Arbitration Decision

Arbitration Decision

Order Description

Arbitration Decision Instructions

You are a volunteer Arbitrator for the Better Business Bureau (BBB). You are to arbitrate a case between Kelly and Chris Morris and Slate Moving Company. For this assignment, you will find the following documents:
Request for Arbitration (Attached)
Answer to Arbitration (Attached)
Bill of Lading (the contract between the parties) (Attached)
Moving and Storage Rules of Binding Arbitration (Attached)

As the arbitrator, you will follow the BBB rules and issue a final decision based on the information provided to you.

Assume that you conducted a hearing where Mrs. Morris and Dan Waiters, the owner of Slate Moving Company attended. Mrs. Morris testified to the information that is contained in the request for arbitration and Mr. Waiters testified to the information contained in the Answer. No other information was provided.

Assume that the request was filed in a timely manner.

Request for Arbitration
My name is Kelli Morris. My husband Chris and I moved from Exeter to Newbury in the State of Concord.
We did not cross state lines during the move. We hired Slate Moving Company to pack and move our
household belongings.
In total we had the following items:
1) 73 cardboard packed boxes (40 large, 25 medium, 8 small)
2) 2 couches,
3) 4 upholstered chairs,
4) 1 kitchen table,
5) 2 bedroom dressers,
6) 4 end tables,
7) 1 queen sized bed and bed frame,
8) A washer and dryer and
9) A variety of oil based paintings.
We closed on the house we were selling and could not move into our new house for two days, so Slate
agreed to keep our belongings in their warehouse for that time.
On the day that Slate delivered our belongings, they were 2 hours late, and when they did arrive, it was
a disaster. The furniture and vast majority of the cardboard boxes were soaking wet and ruined. The
bedframe and dresser were broken beyond repair. Items in the cardboard boxes including family
photos, an XBOX One, and several paintings were ruined. Two other boxes of fragile items including
lamps were broken. All items were packed and moved by the moving company.
During the move, we routinely saw the movers handle our items carelessly and roughly. They would
throw cardboard boxes on top of one another, drop furniture on the ground carelessly, stack items on
top of each other without regard for what damage may occur when stacking heavier items on smaller
ones, etc.
There also two boxes of personal items still not located. These included jewelry and clothing.
AIDitionally, our clothes dryer was somehow broken during the move. It worked fine at our old house.
When we hooked it up at our new house, it does not work.
I estimate the cost of replacing/value of these items as follows:
Item Replacement Cost/Value
2 couches $4,000
Bed (mattress and box frame) $1,500
4 Upholstered chairs $1,850
Dresser $650
Bedframe $200
Ruined paintings $1,000
Xbox One $349
Dryer $399
Fragile items $325
Lost boxes (clothing and jewelry) $700
Total Cost $10,973
I determined the value by looking at the cost of buying comparable items to replace these ruined items.
The values are all less than what we actually paid for the items that were ruined.
In aIDition, due to the damage of these items, my husband and I have had to take multiple days off from
work to find replacements and I have had to pay for the Laundromat. We also had to sleep on the floor
for several days and we have endured emotional distress particularly over the loss of our family photos.
We ask the arbitrator to compensate us $5000 for these losses.
________Kelli Morris_______________
________xx/xx/xxxx_________
Complainant Requesting Arbitration Date
________Chris Morris____________ ________xx/xx/xxxx_________
Complainant Requesting Arbitration Date

Response to Request for Arbitration
My name is Dan Waiters. I am the owner of Slate Moving Company. We are a small moving
company that employees 12 people. We move approximately 200 customers per year. I am
familiar with the Morris’ situation and I have talked to the three movers involved in their move.
With this information, I respond to the request for arbitration as follows:
1. I agree to the listing of items in the request.
2. I agree that we stored the belongings at our warehouse.
3. I agree that my movers were late, but it was only one hour late and it was due to
traffic which they could not control and which is aIDressed in the Bill of Lading.
4. I agree that some of the belongings got wet. The roof at our warehouse was
damaged the night that the belongings were there due to snow and ice. The ice
dams on the roof and warmer than expected temperatures that night led to an inch
of rain instead of snow and that caused water to come into the warehouse and
damaged some items including some of the Morris’ items.
5. I do not dispute that the items Mrs. Morris says are ruined are in fact ruined and I do
not dispute the value or replacement cost of those items. The exception is to the
dryer which I aIDress below.
6. My position is that the bill of lading covers all of those issues and that we are not
liable for them. The water leakage that caused the damage was the result of an “act
of God” under the bill of lading.
7. AIDitionally, even if the arbitrator finds that it was not an act of God, or that some
of the items were not damaged by an act of God, the bill of lading specifies that
damages are to be proportioned at .60 per pound which I calculate to be $2400 for
all of their items. I do not believe any special circumstances apply here to warrant
higher payment.
8. I offered Mr. and Mrs. Morris the $2400 but they declined and said they were going
to pursue arbitration.
9. With respect to the dryer, my movers report no problems in moving it. The dryer did
not fall or anything like that. It has no outward physical damage. We did not install
the dryer, we just moved it from one place to the next. It is not our fault that the
dryer is not working. It may be that it was not installed correctly. Our bill of lading
expressly aIDresses this as well and strongly recommends that customers have a
professional install their appliances.
I request that the arbitrator deny the claim and award the Morris’ the $2,400 I offered them.
Our agreement with the BBB arbitration program does not include any amounts beyond
$10,000 nor do we agree to compensation for loss of wages or income, compensation for
mental anguish, punitive damages or legal fees.
________Dan Waiters____________ ________xx/xx/xxxx_________
Respondent Date

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Bill of Lading Waiver and Release
In consideration for receiving certain services from Slate. (“Company”), I agree to the following
Waiver and Release:
I acknowledge that packing, loading, transporting and unloading property creates certain risks
to my property and my person. In particular, property can be broken, dropped, scraped, torn,
scratched, lost, etc., including risks to carpets and hardwood flooring, as well as risk of loss of
cash, checks, bonds, jewelry, deeds, coin and stamp collections, alcohol, prescription
medications, damages to fur or items lined with fur, particleboard furniture, firearms and/or
ammunition, and plasma televisions. COMPANY STRONGLY RECOMMENDS THAT YOU
PERSONALLY MOVE ITEMS OF SIGNIFICANT MONETARY OR PERSONAL WORTH. Further, I agree
that I could be physically injured by use of property damaged in the move, or through physical
impact with furniture, boxes, or vehicles.
I further understand that transporting home appliances or preparing them for use after
transportation is dangerous and could result in injury or damages. In particular, appliances may
be installed improperly and result in flooding, electrocution, or fire. COMPANY STRONGLY
RECOMMENDS THAT YOU HIRE A PROFESSIONAL SERVICE PROVIDER TO INSTALL ALL
APPLIANCES. I acknowledge that installation of home appliances is my personal responsibility
and not Company’s.
I, for myself, my heirs, successors, executors, and subrogates, hereby KNOWINGLY AND
INTENTIONALLY WAIVE AND RELEASE, INDEMNIFY AND HOLD HARMLESS COMPANY, it’s
directors, officers, agents, employees and volunteers from and against any and all claims,
actions, causes of action, liabilities, suits, expenses (including reasonable attorneys’ fees) for
damages to my property or person resulting from COMPANY’S NEGLIGENCE during the move or
resulting from an improperly installed home appliance with the exception that,
notwithstanding, the foregoing, I acknowledge Company may pay the actual loss or damage not
exceeding sixty (60) cents per pound of the weight of any lost or damaged article, unless
shipper establishes special circumstances that would justify a higher payment. Special
circumstances would include extreme or gross negligence or mishandling of Shipper’s items by
Company or other circumstances that would warrant higher payment.
I agree that I may not bring any claim for lost or damaged items more than nine (9) months
after the move. By bringing a claim, I agree to permit Company any reasonable means to
investigate my claim. I further acknowledge that Company is not responsible for the contents of
any box it did not pack. And, Company’s responsibility only extends to items while under its
care and custody and terminates when it leaves the premises.
The following exceptions also apply:
SECTION 1: The carrier or party in possession shall not be liable for loss, damage or delay
caused by or resulting:
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(a) From an act, omission or order of shipper;
(b) From defect or inherent vice of the article, including susceptibility to damage because of
atmospheric conditions such as temperature and humidity or changes therein;
(c) From (1) hostile or warlike action in time of peace or war, including action in hindering,
combating or defending against an actual, impending or expected attack (A) by any government
or sovereign power, or by any authority maintaining or using military, naval or air forces; or (B)
by military, naval or air forces; or (C) by an agent of any such government, power, authority or
forces; (2) any weapon of war employing atomic fission or radioactive force whether in time of
peace or war; (3) insurrection, rebellion, revolution, civil war, usurped power, or action taken
by governmental authority in hindering, combating, or defending against such an occurrence;
(4) seizure or destruction under quarantine or customs regulations;5) confiscation by order of
any government or public authority; or (6) risks of contraband or illegal transportation or trade.
(d) From terrorist activity, including action in hindering or defending against an actual expected
terrorist activity. Such loss or damage is excluded regardless of any other cause or event that
contributes concurrently or in any sequence to the loss. The term ‘terrorist activity’ means any
activity which is unlawful under the laws of the United States or any State and which involves
any of the following: (1) the hijacking or sabotage of any conveyance (including an aircraft,
vessel, cab, truck, van, trailer, container or vehicle) or warehouse or other building; (2) the
seizing or detaining, and threatening to kill, injure, or continue to detain, another individual in
order to compel a third person (including an governmental organization) to do or abstain from
doing any act as an explicitly or implicit condition for the release of the individual seized or
detained; (3) an assassination; (4) the use of any (A) biological agent, chemical agent, or nuclear
weapon or device, or (B) explosive, firearm, or other weapon or dangerous device (other than
for mere personal monetary gain), with intent to endanger, directly or indirectly, the safety of
one or more individuals or to cause substantial damage to property; or (5) a threat, attempt, or
conspiracy to do any of the foregoing.
(e) From delay caused by strikes, lockouts, labor disturbances, riots, civil commotions, or the
acts of any person or persons taking part in any such occurrence or disorder, and from loss or
damage when carrier, after notice to shipper or consignee of a potential risk of loss or damage
to the shipment from such causes, is instructed by the shipper to proceed with such
transportation and/or delivery, notwithstanding such risk.
(f) From Acts of God.
SECTION 2: The carrier shall not be liable for delay caused by highway obstruction, or faulty or
impassable highways, or lack of capacity of any highway, bridge or ferry, or caused by
breakdown or mechanical defect of vehicles or equipment, or from any cause other than
negligence of the carrier; nor shall the carrier be bound to transport by any particular schedule,
means, vehicle or otherwise than with reasonable dispatch. Every carrier shall have the right in
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case of physical necessary to forward said property by any carrier or route between the point of
shipment and the point of destination.
SECTION 3: If a dispute arises between the Company and Shipper, both parties agree to
attempt to resolve the dispute between them. If this is not successful, the parties agree to
submit their claim to the Better Business Bureau Arbitration program and follow the BBB
Moving and Storage Rules of Binding Arbitration. The parties agree to be bound by the
Arbitrators result.
________Kelli Morris_______________
________xx/xx/xxxx_________
________Chris Morris____________ ________xx/xx/xxxx_________

BBB® Moving and Storage Rules of Binding Arbitration
BBB ARBITRATION
Your Better Business Bureau® (BBB) is a nonprofit organization supported by local businesses. BBB promotes trust in the marketplace by fostering the highest ethical relationship between businesses and the public.
Your BBB assists in the resolution of disputes between movers and shippers. BBBs have a national reputation for fairness because they remain impartial in a dispute. They do not take sides but work to get the problem settled as quickly as possible.
If you have a moving and/or storage dispute, BBB can offer you several ways to resolve it. Arbitration is one dispute resolution (DR) option: BBB provides a professionally trained arbitrator who will listen to both sides, weigh the evidence and make a decision about the dispute.
What is arbitration?
Arbitration is an informal process in which two parties present their views of a dispute to an impartial third party, an arbitrator, who will decide how to resolve the dispute.
Some movers participating in BBB DR programs have agreed to arbitrate disputes with their customers within defined limits. Other movers ask BBB to provide arbitration on a case-by-case basis.
The issues and the types of awards that the arbitrator may consider in your case will be outlined in a document called the Agreement to Arbitrate. BBB will work with you to write the Agreement to Arbitrate so it is based on the facts of your case. The arbitrator will be asked to make a decision that he or she believes is fair based on the facts of your case.
Who is the arbitrator?
BBB arbitrators are individuals from your community who have been approved as arbitrators by BBB. Arbitrators do not necessarily have specific expertise in the matter to be arbitrated, but can call upon the assistance of an expert when necessary. Arbitrators pledge to make an impartial decision, and do not have any affiliation with either party in the dispute.
The arbitration hearing
BBB will consult with the parties and the arbitrator(s) in scheduling an arbitration hearing. While most cases require only a single hearing, aIDitional hearings may be scheduled if the arbitrator deems it necessary.
Do I need an attorney?
You may choose to consult with an attorney about arbitration under these Rules, the remedies that may be awarded in arbitration, and how to best present your case in arbitration. While you do not need to be represented by an attorney in the arbitration process, you may decide that it is in your best interests to do so.
How to prepare for arbitration
Before coming to your arbitration hearing, you should prepare an outline of your argument to help you in your presentation. You may want to use the checklist at the end of this section to assist you in your preparation.
Also before coming to the hearing, you should prepare a list of questions you want to ask the other party.
What will happen at the hearing?
You will have an opportunity to state the facts as you see them. Each party also will have the opportunity to ask questions of the other party.
The arbitrator may also ask questions to clear up uncertain areas and to gain a fuller understanding of the dispute.
After each side has presented its case and the questioning is completed, you should be prepared to give a summary of your position. Deal with any questions that have not been answered and tell the arbitrator exactly what you think the decision should be and why.
Remember that the sole purpose of the hearing is to allow the arbitrator to gather and sort the facts in order to make a fair decision. You should be prepared to convince the arbitrator that your position is right and that it supports the remedies/outcome you seek from the arbitration process.
A cooperative, good faith approach works best. You are there because a disagreement exists, but keep that disagreement factual and within the bounds of normal courtesy and conventional language. Arbitrators may not have technical expertise, so your presentation may be more productive if you can use layman’s terms to describe what happened.
An arbitration checklist
This checklist will help you prepare for your arbitration hearing. Use whichever items are appropriate to your case; some may not apply.
1. Organize your materials in the order you wish to present them. This will help you present your case clearly and logically.
2. Clearly state what the problem is and why you think the other party is responsible.
3. List in chronological order the actions you took to resolve the dispute, including:
o individuals with whom you spoke;
o when you spoke with them;
o what they told you and/or what actions they took;
o other business/service persons involved:
§ Who were they?
§ When did they get involved?
§ How did they become involved?
§ What did they tell you and/or what actions did they take? Written statements or the presence of witnesses can help substantiate the facts of your case.
4. Collect and bring to the hearing all available written information relating to your dispute. Bring original documents, if possible, and bring copies for the arbitrator and the other party. If you do not have certain documents, you may be able to get copies from the mover, bank or credit card company. Documents that might be useful include:
o Any estimates, written agreement, purchase order, and proof of payment.
o Correspondence between you and the other party.
o Other documents which may support your case, e.g., newspaper/magazine articles, photographs, court decisions and legal documents, consumer group information, and brochures.
5. List any witnesses who may have information about your complaint. Try to contact them and ask them to testify in person or to submit written statements. You are responsible for your witness’ submission of information. If you want them to testify in person, keep them informed about the time and place of the hearing.
The arbitrator will accept all relevant evidence presented at the hearing. The arbitrator will decide the importance of each piece of evidence after the hearing is closed. It is better to be over prepared than under prepared.
Evidence will not be accepted after the hearing if it was possible to present that evidence at the hearing, or if the arbitrator has already rendered a decision.
In summary
• Organize your case.
• Back up your position with evidence. A clear, concise and well-organized presentation supported by relevant facts and good documentation will help the arbitrator fulfill his or her responsibility. BBB® Moving and Storage Rules of Binding Arbitration 1. Definitions 2. Scope of arbitration 3. Remedies 4. Agreement to Arbitrate 5. Selecting your arbitrator 6. Qualifying the arbitrator 7. Communicating with the arbitrator 8. Your representative 9. Hearing notice 10. Manner in which hearing is conducted 11.Your absence from the hearing 12. Attendance at hearings 13. Cameras and recording devices 14. Oath of participants 15. Hearing procedures 16. Admission of evidence at the hearing 17. Inspection by the arbitrator 18. Technical experts 19. Written statements/documents 20. Subpoenas 21. Admission of evidence after initial hearing 22. Closing the hearing 23. Settlement 24. Time limits 25. The decision 26. Timely objections 27. Change of time 28. Confidentiality 29. Judicial proceedings/exclusion of liability 30. Interpretation of rules/right to discontinue arbitration
1. DEFINITIONS The following list defines key words as they are used in these Rules: A. Arbitration is a process in which two or more persons agree to let an impartial person decide their dispute. B. Arbitrator refers to the individual selected to conduct your arbitration and make a decision in your dispute. Any action taken or decision made by a panel shall be by majority vote. C. BBB refers to the Better Business Bureau that is administering the arbitration. D. Days refers to calendar days. E. Decision refers to the written document signed by the arbitrator and sent to the parties. F. Parties refers to the shipper, the moving company and any other person or company that has committed to arbitrate or has signed an Agreement to
Arbitrate under these Rules. These rules often refer to the individual parties in an arbitration as the “shipper” and the “moving company.” G. Shall is mandatory; may is discretionary. H. Shipper is the person whose goods are transported by the moving company. I. You refers to the parties involved in the dispute being arbitrated. 2. SCOPE OF ARBITRATION Disputes involving a complaint of a deficiency or problem in the service involved in the commercial transaction between the parties may be arbitrated under these Rules, as long as the parties agree to arbitrate the dispute after it arises. If an agreement between a mover and a shipper is signed before the dispute arises and requires that both parties arbitrate disputes through BBB or under any BBB binding arbitration rules, then any arbitration under that agreement will be conducted using BBB Rules of Binding Arbitration for Disputes Subject to Pre-Dispute Binding Arbitration Clauses. The following claims shall not be considered unless specifically agreed in writing by all parties that the arbitrator may consider them: • Claims seeking criminal penalties; • Claims seeking compensation for damages or injuries caused by a defective product; • Claims for personal injuries; • Claims where no deficiency or problem is alleged in the product or services involved in the transaction; • Claims that are the subject of a lawsuit filed by the shipper, or that have been resolved by a previous court action, arbitration or settlement between the parties. The decision as to whether your dispute (or any part of it) can be arbitrated rests solely with BBB or the arbitrator. Before commencing the arbitration process, BBB will notify the parties of any fees that may be required. 3. REMEDIES The following remedies may be awarded in an arbitration proceeding: a) release of contractual obligations between the parties; b) full or partial refund of the cost of the service involved in the transaction, including sales tax and other direct incidental costs associated with the sale of the service; c) completion of promised work or fulfillment of contractual obligations; and/or d) the amount of any actual out of pocket loss or property damage, not to exceed $10,000, caused by the provision of the service. AIDitional remedies may be awarded in an arbitration proceeding only if the remedy is included in the mover’s commitment with BBB or the parties agree in writing that the arbitrator may award the specific remedy. The following may not be awarded in BBB arbitration unless it is specifically agreed by all parties that the
arbitrator may award them: compensation for loss of wages or income, compensation for mental anguish, punitive damages or legal fees. 4. AGREEMENT TO ARBITRATE BBB shall prepare an Agreement to Arbitrate that briefly describes the nature of the dispute and the decision sought as they are viewed by you and any other party. The Agreement to Arbitrate shall include only those claims that fall within the scope of these Rules, unless both parties agree to arbitrate aIDitional claims in your case. The Agreement to Arbitrate is intended to be a general outline of the dispute, not an argument of your case. BBB shall give the Agreement to Arbitrate to each party prior to the hearing. Each party shall sign the Agreement to Arbitrate and return it to BBB within five days of receiving it. Failure to return the signed Agreement within this time period may result in a delay of the resolution of your case. You should contact the BBB at once if you disagree with the general description of your case and/or the decision you are seeking. Parties should not contact BBB if they think the description of the other party’s case is in error; that is an issue for the arbitrator to decide. 5. SELECTING YOUR ARBITRATOR BBB shall select the arbitrator in a procedure designed to avoid any conflict of interest and to provide the parties with an impartial arbitrator to hear their case. BBB maintains a pool of qualified, experienced arbitrators, from which BBB shall select the arbitrator who will decide your dispute. BBB shall inform the arbitrator(s) of the identities of the parties and the attorneys, if any. If an arbitrator finds that he or she has a conflict of interest with any party or attorney, the arbitrator(s) shall recuse himself or herself. At BBB’s option, BBB may appoint a panel of three arbitrators. BBB shall determine which arbitrator will serve as the chair of the panel to preside over the hearing. BBB may use variations of this selection process, provided that the alternative procedure shall also result in the appointment of an impartial arbitrator. 6. QUALIFYING THE ARBITRATOR The arbitrator shall sign an oath pledging to make an impartial decision in your dispute. If the arbitrator believes that he or she cannot make an impartial decision, the arbitrator shall refuse to serve.
If a financial, competitive, professional, family or social relationship exists between the arbitrator and one of the parties (even if the arbitrator believes the relationship is so minor as to have no effect on the decision), it shall be revealed to all parties, and you may decide that this arbitrator should not serve in your case. BBB reserves the right to reject any arbitrator for any reason that it believes will affect the credibility of the arbitration process. 7. COMMUNICATING WITH THE ARBITRATOR You or anyone representing you shall not communicate in any way with the arbitrator about your dispute except (a) at an inspection or hearing for which the other party has received notice but does not appear, or (b) when all other parties are present or have given their written permission. All other communication with the arbitrator must be sent through BBB. Violation of this rule may result in your case being discontinued. 8. YOUR REPRESENTATIVE You may present your own case or have someone represent you. If your representative is a lawyer, you must give the lawyer’s name and aIDress to BBB at least 21 days before the hearing. BBB shall notify the other parties to give them an opportunity to obtain lawyers if they want. Your failure to give BBB advance notice of legal representation may result in a rescheduling of your hearing. You are responsible for any fees charged by your representative. 9. HEARING NOTICE BBB shall set a date, time (during normal business hours) and place for your arbitration hearing. The hearing shall be set with due regard for the schedule of the parties and the arbitrator. Notice of the date, time, and place of the hearing shall be sent to you at least 10 days in advance of the hearing unless the parties agree otherwise. Contact BBB immediately if you object to the date, time or place stated in your notice. If an unforeseen emergency arises that prevents you from attending a hearing, call BBB before the scheduled hearing time. The arbitrator shall decide whether to reschedule the arbitration hearing or maintain the current hearing date permitting the absent party to present the case in accordance with Rule 11. To the extent practical, BBB shall arrange for the hearing to be held at a BBB location convenient to the shipper. BBB reserves the right to make the final decision as to the date, time and place for
the arbitration hearing. 10. MANNER IN WHICH HEARING IS CONDUCTED Most arbitrations involve in-person hearings. However, BBB, at a party’s request or at BBB’s option, may arrange to have one or both parties participate by telephone, in writing, or by electronic communication. 11. YOUR ABSENCE FROM THE HEARING If one party does not attend a hearing after receiving proper notice from BBB, the arbitrator shall proceed with the hearing and receive evidence from the other party. One party’s absence will not result in an automatic decision against that party. The party who did not attend the hearing shall be given an opportunity to present its position in writing within time limits set by BBB. All evidence will be provided to the other party for review and comments within specified time limits. If parties do not submit evidence within the time limits, the arbitrator shall make a decision without this aIDitional documentation. 12. ATTENDANCE AT HEARING BBB staff may attend the hearing in an administrative capacity. The parties, any representatives, and their witnesses may attend the hearing, although the arbitrator may determine that one or more non-party witnesses should be present in the hearing room only while that witness is giving testimony. For any observer to attend a hearing, BBB will first determine that reasonable accommodations exist and then make sure that the parties and the arbitrator have no objection to the presence of an observer. If there is room and no objection, the observer shall be permitted to attend the hearing subject to BBB’s directions regarding the proper conduct. 13. CAMERAS AND RECORDING DEVICES Unless there is approval of all parties and the arbitrator, no one is permitted to bring cameras, lights, recording devices, or any other equipment into the hearing. However, BBB may make an audio recording of the hearing if requested by the arbitrator, and any such audio recording may only be used by the arbitrator for the sole purpose of assisting the arbitrator in writing his/her decision and reasons, or by BBB for training and administrative purposes. 14. OATH OF PARTICIPANTS You and your witnesses shall be placed under oath at the hearing by the arbitrator or BBB staff administering your hearing.
15. HEARING PROCEDURES The arbitrator will decide on the order and the procedures to follow for you to present your side of the dispute. You shall be given an opportunity to make a personal presentation of your case, and you may present witnesses and evidence in support of your case. You shall also be given the opportunity to question the other parties, their witnesses and their evidence. After everyone has presented his or her case, each party shall be given the opportunity to make a closing statement. If the arbitrator determines that aIDitional information is necessary in order to make a fair decision, the arbitrator may direct that this aIDitional evidence be submitted at a subsequent hearing or in any manner dee

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