We are committed to the principles of mutuality, which means putting you, the customer, first.You can view our which details the core values of our business and explains our service commitments Our profits are invested back into the business and not paid out in the form of dividends to a limited number of shareholders The Charter demonstrates our policy of building lasting relationships with customers, by treating them fairly and producing valuable products and services Status in 1992 in recognition of our commitment to staff development and our ability to provide a balanced training programme for every member of staff