is the cornerstone of all we do and say on a daily basis in providing the products and services to our clients. The foundation of our business, our employees’ livelihood and our future as a company is based on the trust and respect we have from our many lenders, equity partners and vendors we transact business with. As a company we are entrusted with several hundred million dollars a year and we must never fracture that trust by compromising our integrity because it is paramount to our future success.