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that is not retained by ARB in the ordinary course of business. The penalty in this case was also based on confidential settlement

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Page 1: that is not retained by ARB in the ordinary course of business. The penalty in this case was also based on confidential settlement
Page 2: that is not retained by ARB in the ordinary course of business. The penalty in this case was also based on confidential settlement
Page 3: that is not retained by ARB in the ordinary course of business. The penalty in this case was also based on confidential settlement
Page 4: that is not retained by ARB in the ordinary course of business. The penalty in this case was also based on confidential settlement