We strictly operate with high ethical standards in our business. It is our policy to give a share of our income to charities serving old people such as age concern. Because of special association with old age people, we are planning to give 5% of our total income before expenses to Age Concern. We calculate our giving on total income received after any introductory fee and commission-sharing paid out to other agents/introducers, and before all our own costs, staff commission and pay, overheads and expenses.