Our three core divisional standards

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Our codes of ethics is to treat people fairly and work to resolve any disagreements.

Nick Smith & Associates Inc. has developed a three-step process to aide in resolution of any issues.

1. We ask that you contact our Service Team in McAllen and give them the details so that they can work with you on satisfying your concerns. You may do that by calling 956-329-2419.
2. If Service is unable to resolve your concerns, you may forward your issues to our Local Affairs Coordinator in writing or e-mail at:
   • Affairs Coordinator
   • Nick Smith & Associates Inc.
   • 2212 Primrose Ave, Ste A
   • McAllen, TX 78504
   • Or e-mail: Compliance@stxcutco.com
   • (Divisional Complaint Form Below)

If you do not reach satisfaction with the Local Affairs Coordinator, then you may ask that the matter be referred to a President of the independent contracted organization.

If Service is unable to resolve your concerns, you may forward your issues to our parent company's Corporate Affairs Coordinator in writing at:

• Corporate Affairs Coordinator
• Cutco Corporation
• 1116 E. State Street
• Olean NY, 14760
• Or e-mail: Corporate Affairs
• Disclaimer: To E-mail our parent company you must log in to your sales representative portal. If you are not a sales representative with us, e-mail will not be an option in step 3.

Additional information can be found at:

• Direct Selling
• DSA Code of Ethics Online Videos