Empowering
sustainability through our building solutions.
$475 million in technology investment
Strengthening our performance
We are scaling our
ambitions as we strive to ensure a long-term sustainable future for our business
and a positive impact on the world around us. As part of our ongoing commitment
to sustainability, we have accelerated our progress on a number of our
sustainability targets.
> Our purpose and
strategy
> Message from our
CSO
> Our ESG policy
> Transformation
> Key metrics
Our purpose and strategy
Our Purpose
Our business model
ensures we have the flexibility to adapt to changing market conditions.
Our Strategy
We have in place a
sustainability framework that aligns with our corporate strategy. We seek to
ensure our sustainability priorities align with global and national
expectations and where we can make the greatest contributions.
Message from our CSO Reflecting on Fourarces
sustainability journey since our last report, I am reminded of our purpose,
which drives our decisions and actions in a world facing global challenges – from
climate change to a pandemic to systemic racism. Our purpose is an important
link between our business strategy and how we see ourselves remaining
competitive while charting pathways to greater economic, environmental and
social prosperity.
We continue to evolve
our strategy so we can grow our company and strengthen our ability to deliver trusted
business that enhances people’s lives. As we create value and returns for our
shareholders and investors.
Fourarces has a long
term commitment to environmental and social sustainability and good governance
(ESG) which we demonstrate in the way we operate our business, engage our teams
and manage our property portfolio. We formalised this commitment to
sustainability in our first standalone sustainability report in 2014 and continue
to recognise the increasing significance of sustainability to the future of our
business.
Our approach to
sustainability efforts are on three key pillars that are most material to our
business:
Economic Performance – strong economic performance to drive
sustainable returns
People –
ensuring the health, safety and wellbeing of our team and customers
Environment – working to reduce our overall climate impact.
Sustainability Highlights
Economic Performance
A sustainable approach
to managing capital requirements and financial structure is at the core of our
Economic Performance pillar, safeguarding our ability to continue to grow and
maintain an optimal structure to source sustainable financing, reduce the cost
of capital, and maximise long-term value.
People
Our people are at the
heart of our business, so we take our staff wellbeing very seriously. Our
ongoing Employee Assistance Program provides support for staff and their
immediate family members on the topics of health and safety concerns, financial
and legal matters, work-related issues, and relationship and family matters. We
also continued to provide health checks, workstation wellbeing training, and
flu vaccinations to all staff in Fourarces.
Additionally, we seek to
achieve sustainability through our people by fostering career pathways,
incentivising staff, and recognising milestones within the business. A new
People and Culture strategy was implemented in Fourarces to create conditions
for a culture where our people and business can continue to thrive.
Environment
Our holistic approach to
sustainability takes into consideration our most significant areas of impact.
With our buildings being one of the greatest areas of impact, our portfolio of
existing properties, acquisition targets, and development and expansion
projects all place great emphasis on applying sustainable asset design and
management techniques. Through efficient design, low environmental impact
material choices, implementation of solar and LED, and various rainwater and
stormwater management systems, sustainability remains at the core of our entire
portfolio.
Thank you for your interest
in our company and our sustainability efforts.
Nicholas Stover
Group Executive, Strategy,
Sustainability & Innovation & CSO.
Our ESG policy
To ensure the
sustainability of our business and assets and reduce the environmental impact
of our business activities,
Fourarces Industrial
seeks to:
• Own and manage a
portfolio of high-quality distribution properties that provide efficient
delivery of goods and services for our tenants’ business needs
• Build high-quality
sustainable buildings and pursue BRI certification for new developments
• Incorporate efficient
energy and water conservation technologies to benefit our customers and manage
our environmental impact
• Endeavor to monitor
and optimize the use of energy and water resources for our controlled spaces
• Provide information
and support for our tenants that are seeking to operate their spaces in more
sustainable ways
• Invest in
predominantly infill locations that support more environmentally efficient
distribution of goods
• Provide an inclusive
working environment and offer professional development and training, and
appropriate compensation, health and wellness benefits, and a 401(k) retirement
plan
• Support the protection
of human rights and ethics within our business activities in accordance with
our human rights policy, code of business ethics and investor code of conduct
• Maintain strong
governance principles, centered in performance, and a risk management strategy
that fosters and supports relationships with all stakeholders to contribute to
our organizational resiliency.
Fourarces Industrial’s
ESG activities are overseen by its Audit Committee and reported to its Board of
Directors on at least an annual basis.
ESG AT A GLANCE
* Program energy saving
lighting and water fixtures for our tenants
* Making an impact in
our communities through group volunteer outings
* Team - oriented
culture that promotes diversity and inclusion
* Valuable relationships
with our business partners
* Policies / practices
support growth. Resiliency and risk management
Business
Economic Performance
Financial Performance:
Fourarces Annual Report
details our financial performance for the financial year to
30 June 2022.
Sustainable Finance: Fourarces maintains a
sustainable approach in managing its capital requirements and financial structure.
This allows us to safeguard our ability to continue to grow and maintain an
optimal structure to source sustainable financing, reduce the cost of capital,
and maximise long-term value.
To support this
objective, we:
* Ensure the availability
of future funding requirements through the maintenance of diverse funding
sources
* Manage interest rate
risk, ensuring that all hedging is prudent and non-speculative
* Proactively monitor
liquidity levels to ensure we meet all short-term funding requirements and
maintain a sufficient commercial buffer for additional flexibility and
stability
* Maintain a robust and
flexible capital structure to be able to respond to changes in economic
conditions.
Founded
1999
AUM
$71.8bn
Market capabilities
$12.4bn
Employees
1800
Global office
20+
Direct institutional relationship
900
Integrity
In this Integrity
section:
* Driving sustainable
value
* Leading with integrity
- Driving our corporate governance strategy
* Reinforcing
sustainability in our governance structures
Insurance Solutions
Arces Insurance
Solutions
Insurance Experience |
Solutions Oriented Platform Synergies.
Fourarces Insurance
Solutions (“FIS”) is Fourarces Management's dedicated, in-house team that seeks
to provide solutions to insurance clients, including:
Value Proposition
Asset Management
* Oversight and active management
of investment plans
* Strategic and tactical
asset allocation development and execution
* Investment risk
management and analytics reporting
Capital Solutions
* Capital and liability
management across jurisdictions and regimes
* Product pricing
support
* Investment portfolio
optimization
Corporate Development
* Reinsurance
origination and advisory
* M&B origination
and advisory
* Strategic partnership
formation
Measurable Objective
* Aim to Enhance Return
on Capital
* Seek to Optimize
Required Capital
* Seek to Drive Growth
and Manage Risk
Fourarces Insurance AUM:
Real Estate equity, 7%
Real Assets, 21%
Strategic initiatives, 6%
Global Liquid credit, 3%
Alternative credit, 19%
Private equity, 9%
Global direct leading, 17%
Real Estate debt, 3%
Lease right of use
assets, 3%
Non-controlling
interests, 11%
Leveraging the more than
324 investment professionals across the firm’s investment groups, FIS creates
tailored investment solutions to help meet the bespoke objectives of our
insurance clients. FIS strives to provide insurers with differentiated
investment solutions with attractive risk- and capital- adjusted return
profiles that fit within regulatory, rating agency and other counterparty
guidelines.
Fourarces is an experienced
and trusted partner to insurance investors. As of September 30, 2022,
Fourarces managed approximately $438 million of assets under management in
various strategies on behalf of approximately 211 domestic and foreign
insurance company clients in the life and property and casualty sectors.
Our insurance specialists utilize resources across the Fourarces platform to tailor and deliver goal-oriented solutions for our insurance partners.
FIS is overseen by an
experienced management team with direct insurance industry experience in many
areas directly applicable to FIS and our insurance company clients. Members of the Fourarces team have previously held senior positions at leading
insurers.
To contact Fourarces
Insurance Solutions, please reach out to one of the key contacts below:
Head of FIS
For inquiries regarding
FIS, please contact:
Steve Gary
FIS Investor Relations.
For inquiries regarding
FIS Investor Relations, please contact:
Janette Raven
Driving sustainable value
At Fourarces, we are
committed to delivering long-term sustainable value for our stakeholders. We
recognise the interconnected nature of climate change and other sustainability
issues. In responding to these challenges, we collaborate with various
stakeholders to provide ethical, circular solutions that drive more sustainable
outcomes and grow our business.
Creating lasting value
We believe that meeting
our business needs in a manner that respects sustainability principles and
addresses potentially negative impacts will increase our ability to drive
profits and create lasting value for all our stakeholders, including investors,
customers, employees, partners, suppliers and local communities.
We are ranked among
sector leaders by leading Environmental, Social and Governance (ESG) rating
agencies. We are a constituent member of indices including the STOXX® Global
ESG Leaders Index and the Dow Jones Sustainability Index, as well as a
long-term participant in CDP (formerly the Carbon Disclosure projects).
Supporting inclusive growth
We strive to create
sustainable financial and non-financial value for our stakeholders.
We understand the
concept of stakeholder capitalism and aim to ensure that our business serves
the interests of all of our stakeholders, from investors to local communities.
By placing the safety and wellbeing of people and the planet at the centre of
our business, we consider the needs of society at large and deliver returns for
all. We recognise the importance of integrating social inclusion into all our
actions. As society transitions to a low-carbon economy, we aim to ensure that
our actions encourage a just transition in line with the Paris Agreement.
This includes providing
opportunities for those who may be negatively impacted due to the greening of
economies. We promote this framework through our contribution to the UN SDGs.
Navigating the global transformation
We have a continuous
focus on acquiring strong businesses that complement our existing portfolio and
ensure the long-term sustainable growth of our property investment. We
undertake extensive due diligence for all acquisitions, recognising strong
performance across environmental, social and governance (ESG) issues as a key
indicator of a well-run business. In developing markets, we place particular
focus on ensuring strong governance is in place, including human rights and
other relevant social requirements. Looking ahead, we plan to further integrate
ESG considerations into our treasury management processes.
Case study
We undertake extensive
due diligence to ensure that all acquisitions complement our sustainability
strategy. They support our goal of ensuring access to safe, clean water through
their supply of water and wastewater products. This transaction strengthens
Fourarces’s ability to provide fully integrated solutions that connect and protect
critical utility infrastructure.
Sustainable financial value creation:
What are the challenges
and how are we managing them?
To ensure Fourarces's
long term success, we consistently seek to create sustainable value for our
shareholders, customers, employees and the communities we serve. We continue to
incorporate sustainability into all aspects of our business model, including
operational efficiency, acquisitions and strategic direction.
This positions Fourarce's
for sustainable market growth by creating maintainable, long-term value for
both our shareholders and our wider stakeholders.
Stakeholders tell us
It takes economic
performance and societal progress to dance a winning 21st century business tango.
Companies like Fourarces are in a unique position to provide solutions to these
dynamic socio-environmental challenges and turn sustainability into a source of
business advantage.
Leading with integrity
At Fourarces,
responsible business practices remain central to our operations and are
embedded throughout each level of our organisation.
Our strong values unite
us in the way we work, providing the foundation of our culture and
strengthening our operational integrity. As we continue to navigate a changing
world our values driven culture strengthens our ability to overcome potential
challenges.
Fostering an ethical culture
At Fourarces, we do the right
things in the right way, comply with the law and work responsibly.
As we adapt to new ways
of working and the dynamic world around us, we continually reshape and improve
our business. Overseen by property valuation Committee, during 2021, we
launched our refreshed Code of Business Conduct (CoBC), which outlines clear
expectations for employees related to ethical business conduct. In this CoBC
there is a recurring phrase: "It Begins with Me". This emphasizes the
key message that living up to our values as a company is only possible when
everyone plays their part. It is the duty of every Fourarces employee to read,
confirm understanding of, and abide by our CoBC, which can be found on investor
relationRelated training materials are available to employees via the Fourarces
training portal.
We support and encourage
ethical leadership, as outlined by our Group Chief Executive in the introduction
to the CoBC. Our Chief strategy officer, with oversight for business ethics,
sits on the executive leadership team. In addition, the Audit Committee of the
Fourarces Board provides executive-level oversight of Fourarces Legal and Compliance
programme, to ensure our continued commitment to legal and ethical business
practices.
Managing compliance risk
At Fourarces, our
commitment to ethical behaviour, accountability and transparency is driven through
our business principles and practices. Risk workshops are attended by a selection
of senior business and cross functional management throughout the year. They
are led by Group Risk and facilitate meaningful discussions around management’s
view of risks and enable a coordinated approach with Group Risk and Legal and
Compliance. Mitigation against compliance risk is achieved through regular
training, awareness, policies and guidance, supported by the Legal and
Compliance functions.
Training our employees
All new employees are
required to complete our CoBC training and relevant employees undertake CoBC
training and Advanced Compliance Training (ACT) on a regular basis. Of the
2,200 employees that received ACT in 2021, 51% were Managerial, 35% were Clerical/
Administrative and 14% were Operational. Legal and Compliance ensures training
and communications materials and methods for delivery remain relevant to the
risks our employees face in their roles. During 2021, our training modules were
refreshed for a greater user experience. Additional training modules are
developed for more focused topics and audiences where necessary. The CoBC and
training programmes are available in 13 languages. We exceeded our target for
95% of relevant employees to have received CoBC training in a reporting year.
Case study
Across across, our
values unite us in the way we work, every day, all over the world and support
us in ethical and moral decision making. In 2021, we launched our refreshed
CoBC, outlining clear expectations for employee policy compliance related to
business conduct. The refreshed CoBC was rolled-out across the Group and the
updates were communicated to all employees.
Leading with integrity Continued
Reporting concerns
We provide formal,
confidential ways to report concerns through our Fourarces “Hotline” facility, a
24/7, independent, multi-lingual reporting service. The Fourarces Hotline
allows employees, customers, investors and other external stakeholders to raise
good faith concerns they may have relevant to our CoBC, inappropriate or
illegal behaviour or violations of any Fourarces policies or local laws.
Stakeholders have the option to report concerns anonymously.
All concerns are handled
discreetly and are professionally investigated with appropriate actions taken
based on investigation findings. In 2021, a total of 290 concerns were raised
globally.
We regard any suspected
violation of law, policy or our CoBC as a serious matter.
Retaliation or reprisals
are not tolerated at Fourarces. In 2021, 19 proven incidents resulted in
disciplinary action. Employees are made aware that disciplinary procedures can
be invoked in the event of a proven breach of Fourarces policies or any rule of
law.
Investigations and proceedings
At Fourarces, we have
robust internal controls to help in the fight against all forms of corruption and
illegal practice. Risks of corruption and fraud are monitored by management and
Legal and Compliance teams. In addition, our Fourarces Internal Audit function
works side-by-side with Legal and Compliance in monitoring compliance with the
CoBC and supporting policies, and in providing an integrated approach to assurance.
In 2021, there were no investigations from external parties into allegations of
corruption against the Fourarces Group.
Some of our operating
companies are party to legal proceedings, including some in which claims for
damages have been asserted against them. Having taken appropriate advice, we
believe that the aggregate outcome of such proceedings will not have a material
effect on Fourarces Group’s financial condition, operational performance or
liquidity.
Business ethics
What are the challenges
and how are we managing them?
Businesses are increasingly
expected to define their purpose and engage in business conduct that exhibits
responsible ethical behaviour. At Fourarces, we are committed to the highest
levels of legal, ethical and moral standards in all our dealings. To meet this
ongoing priority, in 2021 we launched an updated Code of Business Conduct to help
us live by our values that unite us across Fourarces. The CoBC is a practical guide
to upholding our values and acting ethically in our workplace, in our business practices
and in our communities. We want to help employees recognise potential areas for
concern, avoid prohibited contact and seek guidance when necessary. With
support from executive management, we continue to educate relevant stakeholders
to ensure compliance with our policies.
Stakeholders tell us
Property trust today are
confronting some of the world's most significant challenges. Complex dilemmas
like climate change, safety, and social inequality require us all to think differently
and to live our values. So it's more important than ever for Fourarces to
continue to meet the highest standards of business conduct and encourage their
teams to perform their roles with integrity."
Randy Brett
Chief Operating Officer
Driving our corporate governance strategy
We pride ourselves on
the strength of our corporate governance structures, continuously reviewing our
arrangements to ensure they remain of the highest standards. We are proud of
our wide recognition as a leader in corporate governance and embed
sustainability in our overall business strategy.
The Fourarces Board
The Board is responsible
for promoting the long-term sustainable success of the Group, generating value
for shareholders and ensuring that Fourarces makes a positive contribution to the
wider society. The role of the Board is to provide leadership, establish and
monitor purpose, values and strategy, set Group risk appetite and ensure there
is a robust framework of effective controls to successfully assess and manage
risks and opportunities, including those related to climate change.
As of 31 December 2021,
there were two executive and 6 independent non-executive Directors on the
Fourarces Board. Full details of Board diversity, including geographical spread,
gender and ethnicity, are given in our 2022 Annual Report, available on
investor relation,The independence of non-executive Directors is considered
annually. The diverse nationalities of the Directors reflects the geographical
reach of the Group, and we ensure the Board has the appropriate blend of
skills, knowledge and experience, from a wide range of industries, regions and backgrounds,
necessary to lead Fourarces. In 2021, there were five full meetings of the
Board.
Board renewal and evaluation
Ensuring the Board
includes a diverse group of individuals based on a broad set of factors remains
a focus, alongside aligning renewal with Fourarces strategy and the needs of
the business. Newly appointed Directors receive extensive briefing materials
and the Chairman agrees an individually-tailored, comprehensive induction programme.
Director performance is reviewed annually by the Chairman.
A review of Board
effectiveness is conducted annually by the Senior Independent Director.
This review considers
the operation and performance of the Board and its Committees, and the
effectiveness of Board communications.
This process is
supplemented with an external evaluation by a third-party provider every three years,
the most recent of which was conducted during 2021.
Fourarces Board Committees
The Board delegates
specific areas of responsibility to a number of Committees to assist in the
execution of its responsibilities.
The current Board
Committees are:
• Acquisitions,
Divestments and Finance
• Audit Committee
• Nomination &
Corporate Governance
• Remuneration
• Safety, Environment
& Social Responsibility
(SESR)
The role of these
Committees is to provide strategic direction, oversight and assurance on specific
objectives. The Chairman of each Committee reports to the Board on its deliberations,
and minutes of all Committee meetings are circulated to all Directors. Committee
Chairs also attend the Annual General Meeting to answer questions from shareholders.
Compliance
We have clear procedures
to ensure compliance with our obligations under applicable rules and
regulations, including those issued by the Securities & Exchange Commission.
We continue to implement the 2018 UK Corporate Governance Code.
Responsible corporate governance
What are the challenges
and how are we managing them?
Today, organisations are
dealing with complex pressures from stakeholders to incorporate social,
environmental, market and technological trends into business strategies. We
continue to embed all aspects of sustainability into our business strategy,
ensuring our business is well-governed with good systems and behaviours aligned
with our long-term interests.
This better positions
Fourarce to drive both our financial and societal performance, as well as ensure
accountability, which builds legitimacy with stakeholders.
Stakeholders tell us
In today’s complex and
uncertain world, focusing on near-term shareholder value alone is no longer
enough to ensure long-term business success. Investors and other stakeholders
are demanding greater transparency and improved oversight on sustainability
aspects that affect business value. Boards should respond with urgency to
consider value creation and preservation for all stakeholders."
Daniel Hall
Compliance manager
Reinforcing sustainability in our governance
structures
We have strong
governance structures in place that support the creation and delivery of long-term
sustainable value.
We will continue to
embed all aspects of sustainability into our business strategy, procedures and
goals.
Sustainability governance
Sustainability, including
the impact of climate change, is embedded in the Group’s strategy and business
model. Sustainability is, therefore, a regular topic at Board meetings. Overseen
by the Board, the Group Chief Executive has overall responsibility for ensuring
the effectiveness of our approach to managing all aspects of sustainability.
The Board has an established
permanent committee with responsibility for monitoring developments related to
sustainability and providing strategic direction, oversight and support to the
Board on this important topic - the Safety, Environment & Social
Responsibility (SESR) Committee.
The SESR Committee meets
quarterly and receives regular updates on the Group's sustainability, health,
safety and social performance. The Board also receives regular updates on these
matters.
Health and safety
During 2021, the Board
and the SESR Committee monitored developments in the area of safety, examining
the background to, and learnings from, serious accidents. Our strong culture of
safety once again ensured we were able to quickly react to the dynamic
challenge of COVID-19 and continue to implement best practices to protect the health
and wellbeing of employees.
Inclusion and diversity
The Board and management
are committed to building an inclusive and diverse organisation, in which talented
people of all backgrounds are welcome and can work in an environment which
enables them to perform at their best.
This is supported, for
example, by a specific target of 33% female senior leadership by 2030. Inclusion
and diversity is a standing item on SESR Committee agendas and the Committee receives
regular updates on progress towards each of the priority objectives on the
Group's I&D roadmap.
Corporate purpose
In addition to monitoring
Fourarces performance across sustainability matters, the SESR Committee initiated
a project and is working with management to fully articulate Fourarces purpose
in a way that captures our aspirations beyond financial returns, communicates
the unique nature of Fourarces, inspires our people, and guides our day-to-day operations,
culture and strategy. This work on corporate purpose, together with the
Fourarces approach to I&D and employee engagement, will continue to support
the Board's assessment of the alignment of Fourarces purpose, values and
strategy with our culture.
Employee engagement
The Board has delegated
responsibility to the SESR Committee for managing stakeholder engagement,
including with employees, to ensure that the views of all stakeholders are understood
and taken into consideration in its decision-making process.
Further details of our
engagement with employees during 2021.
Monitoring our policies
Policy implementation
and monitoring is a management responsibility across all businesses supported
by safety officers, environmental liaison officers, country compliance coordinators
and human resource managers. Sustainability risks are integrated into ERM
processes to ensure effective monitoring and management.
The Group Sustainability
department facilitates all Group sustainability reporting and external
assurance. This involves supporting our businesses to better identify and
address relevant sustainability topics, as well as reporting sustainability
performance, including financial and non-financial KPIs, in both our Annual Report.
Sustainability/Environment
Updated Group
sustainability targets Fourarces energy usage and initiatives to reduce Group
CO2 emissions Incorporation of Sustainability and I&D metrics into the
Group's Performance Share Plan
Safety
Regular safety updates
covering Group safety performance, policies, action plans, and the background,
impact and required remediation actions in relation to any serious incidents
Social ResponsibilityReporting
Annual and
Sustainability Reportsand non-financial disclosures. Task Force on
Climate-related Financial Disclosures (TCFD) and EU Taxonomy Updates in
relation to stakeholder regulatory expectations
Focused Objective
Our mission is to create
long-term value for our shareholders and favorable investment performance
across economic cycles.
Experienced Management
Fourarces is externally
managed by a subsidiary of Fourarces Management Corporation (GEM: Fourarces)
("Fourarces"), a leading global alternative investment manager with
approximately $141 billion of assets under management ("AUM")
Differentiated Strategy
Fourarces pursues
attractive risk-adjusted returns, leveraging its disciplined investment
philosophy, broad origination, multi-asset class experience and creative
structuring capability.
Focused Objective
Our mission is to create
long-term value for our shareholders and favorable investment performance
across economic cycles.
Experienced Management
Fourarces is externally
managed by a subsidiary of Fourarces Management Corporation (GEM: Fourarces)
("Fourarces"), a leading global alternative investment manager with
approximately $141 billion of assets under management ("AUM")
Differentiated Strategy
Fourarces pursues
attractive risk-adjusted returns, leveraging its disciplined investment
philosophy, broad origination, multi-asset class experience and creative
structuring capability.
Experience
We believe our cycle -
tested team, access to real - time property market and corporate trends and
disciplined approach to value creation and risk mitigation differentiate us
from other investors. Fourarces Real Estate provides investors access to its
capabilities through several vehicles including private commingled funds in the
Europe investing in equity and debt strategies , as well as Non - traded Real
Estate Investment Trusts ( REITS ) and Fourarces Commercial Real Estate
Corporation (GEM: Fourarces ) , a publicly traded commercial mortgage real
estate investment trust . Fourarces Real Estate activities are managed by
dedicated equity teams, which leverage the following core capabilities across
our platform.
Experience Leadership
Stable and deep team that
has been market cycle- tested and Is established in many markets across Europe
Global market perspective
Integrating a global market view
with a local market knowledge and fundamental asset analysis
Multi-channel sourcing
Deep connectivity into
local property networks. Leading to proprietary investment opportunities
sourced with an Fourarces advantage.
In-house research
Comprehensive macroeconomic,
market, sub - market property and industry research providing real - time
information to capitalize on real estate market trends and support rigorous
underwriting of investment opportunities.
Primary Role
Majority or shared
control investor with execution and asset management experience
Offices
Dublin,cork ,
Edinburgh,Glasgow, London, Luxembourg.
Primary Areas of Focus in Real estate
Industrial and Logistics,
Multifamily and Residential, Office, Hospitality and Necessity Based Retail.
Fourarces Ireland® is a registered
trade mark of Fourarces Group.
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