The U.S. Justice Department has entered into a deferred prosecution agreement with several U.S. banks on charges of mortgage fraud. The agreements provide that if the banks stay out of legal difficulties for five years then the charges will be dropped. The banks agreed to have monitors in place during the five years and pay a fine. Which of the following best describes what has been done by these arrangements with the banks?

a. There has been a finding of innocence.

b. A nolo contendere plea has been entered.

c. The parties have a corporate integrity agreement.

d. A guilty plea has been entered.