Our beliefs: This Company was founded on the belief that all of us are subject to a higher and divine authority, and that we should aspire to goodness, integrity, fairness, respect and those virtues which we think are consistent with divine will. We believe that possession of these qualities develops self-esteem, merits the approval of others and enhances both private and public welfare. We believe in the traditions of freedom and liberty that exist in the United States. We believe in the free enterprise system, fair competition, compliance with law, the incentives of profit and personal gain and the importance of capital accumulation. We also believe that profit or personal gain must never come at the expense of personal integrity or the public welfare, and that a balance must be struck between the inequalities which come with freedom on the one hand and aspirations for equality on the other. We recognize that our competitive economic system makes it essential that we place constant and primary focus on satisfying the needs of our customers, without whom there is no corporate purpose. We also understand that our business will not survive if it does not meet the legitimate needs and aspirations of our employees and shareholders. Our challenge is to provide the leadership which will inspire all who work with the Company to exert the uncommon effort that is essential to achieving excellence and success. We all should recognize that in these efforts we should not lose sight of our fundamental responsibilities to our families, to our communities, and to our society as a whole. In both our underlying philosophy and our Mission, we recognize our concurrent responsibilities to four stakeholder groups:

• Our Customers
 • Our Employees
• Our Communities

One of our primary challenges and responsibilities is to achieve profit and growth objectives, while fulfilling obligations to all stakeholders in a balanced and thoughtful way. Profit is essential, but should not be an end in itself. Our intent is to be a company which creates value for and builds beneficial, enduring, and mutually reinforcing relationships with all of our stakeholders and others with whom we have business relationships. All of us should conduct ourselves so the following objectives are met:
• Business affairs reflect complete integrity.
• Products and services serve useful, constructive purposes.
• Opportunities are provided for employees to progress toward personal goals and receive competitive compensation and benefits.
• The Company will generate profits which will provide capital for its future growth and shareholders a return on investment.
• We contribute to the welfare of our communities and our nation.
• Business activities reflect a proper concern for the health and safety of our employees, customers, and neighbors and for the quality of our environment.
• Employment in the Company enhances, rather than jeopardizes, the proper functioning of the family, which we believe to be the foundation of society.