• Always remember that success lies at the end of a road paved by satisfied customers and therefore our needs are only met after the needs of our customers have been satisfied. • Run our operations with the highest integrity.

• Exceed the rules for ethical and legal conduct.

• Understand that a satisfied customer has the best coverage available, according to that customer's individual circumstances and that that customer is fully informed on all prospects of the insurance being offered.

• Make it known by word, attitude and action that each person who deals with our firm is important to us.

• Treat our employees fairly and provide an environment that encourages growth and rewards them their efforts in helping us meet our goals. Our employees provide the paving stones our customers use to build our road to success.

• Deal with our markets fairly with regard to their needs and wishes and to co-operate with them in implementing and obtaining the objectives set out by them with regard to quality and quantity of business because they make the paving stones.

• Promote and facilitate the continuing education of our employees.

• Realize the vital nature of our community and the environment in which we live and work.

• Be a responsible corporate citizen by providing physical, moral and/or financial support to those less fortunate.

• Practice excellence in all dealings with our fellow human beings whether it be business or personal, and to recognize that while we may never achieve it, we shall always strive for perfection.