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| May 21, 2013 |
| ARO's philosophy of collection management is driven by an individual client's circumstances and requirements paying particular attention to the sensitive treatment of debtors. We are guided by our Corporate Code of Ethics, compliance with the various Collection Agency Acts and a clear understanding that we are an extension of our client's business. We understand that we can have a dramatic impact our client's image in the marketplace and go to great lengths to protect that image. |