Composite reliabilities and construct validity were then assessed. Composite reliability of indicators needed to exceed the cut-off value of .70 ( Hair et al., 1998). Table 3 presents the factor loadings of the observed variables on the latent constructs and the composite reliability and construct validity. The convergent and discriminant validity of the constructs was examined to evaluate the construct validity. The average variance extracted (AVE) was calculated to check the convergent validity of constructs; and the AVE needs to be higher than .5 ( Hair et al., 1998). The discriminant validity of constructs was assessed when the AVE was compared to the squared correlation between latent constructs ( Fornell and Lacker, 1981). The squares correlations between constructs were less than the AVE, suggesting discriminant validity ( Fornell and Lacker, 1981).