Ethics

We strive for the highest ethical standards with brand partners, associates, customers, our community and shareholders.

Honesty, trust and integrity are essential for meeting the highest standards of corporate governance. They’re not just the responsibility of our senior officers and our board of directors. We’re all responsible. Corporations don’t have a conscience. People do. Our ethics are the sum of all the decisions each of us makes every day. If you want to find out how strong a company’s ethics are, don’t listen to what its people say. Watch what they do. This is even more important in our industry because everything we do is built on relationships. It doesn’t happen in one day on the job, or in one quarter. It is earned relationship by relationship.

We behave ethically when we:

Value and reward open, honest, two-way communication.
Hold our selves accountable for, and are proud of, our decisions and our conduct.
Only make promises we intend to keep—do what we say we’ll do. If things change, let people know.
Avoid any actual or perceived conflict of interest.
Comply with the letter and the spirit of the law.
Acknowledge and apologize for our mistakes, and learn from our errors so we don’t make them again.

We want compliance to be part of our culture, an extension of our code of ethics. Everyone shapes the risk culture of our company. We encourage all associates to identify and bring risk forward. We should thank them for doing so, not penalize them

We value what’s right for our brand partners and customers in everything we do.

We’re proud when we can do what’s right for our customers and community and make a fair profit at the same time. Our customers and brand partners are our friends. We advocate for their best interests. We want them to feel as if they’re part of our family—We put their interests first by:

Starting every discussion with what’s best for them.
Exceeding their expectations—to surprise and delight them.
Investing in relationships that we want to last a lifetime.