16.   ACCEPTANCE OF GIFTS AND LOANS:

We are strongly opposed to having employees accept gifts of any kind from firms, individuals, family members, or members for whom we provide service or who have a direct business relationship with us. It must be made clear that our business decisions are made entirely on the basis of merit, as accurately as can be determined.  If you receive a gift or are asked to accept a gift, promptly contact your supervisor.

Employees are not permitted to borrow money from members or family members of consumers under any circumstances.

Employees are not to commingle, borrow or pledge funds of a member.  Michigan law makes it a misdemeanor, with the possibility of two years in jail, a $25,000 fine, or both, if convicted.

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