We exist for our customers, employees, stockholders, and the communities; and glorify God in everything we do.  Thus, we:

• Provide an array of creative, innovative products and services, and strive to foster and maintain long-term customer relationship founded on mutual trust and confidence;
• Recognize and reward excellence, promote the well-being and uphold the dignity of our employees;
• Exercise prudent management of resources and consistently generate high returns for our stockholders; and
• Fulfill our social responsibility as a worthy corporate citizen by uplifting the quality of life in the communities where we work and serve.