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MIRA
INFORM REPORT
|
Report Date : |
15.12.2008 |
IDENTIFICATION
DETAILS
|
Name : |
RMT TOOLS (INDIA)
PRIVATE LIMITED |
|
|
|
|
Registered Office : |
Opposite Friend Industries,
Amloh Road, Mandi Gubindgarh, District Fatehgarh Sahib, Mandi Gobindgarh -147
301, Punjab |
|
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|
|
Country : |
India |
|
|
|
|
Financials (as on) : |
31.03.2008 |
|
|
|
|
Date of Incorporation : |
21.08.1995 |
|
|
|
|
Com. Reg. No.: |
16 -16921 |
|
|
|
|
CIN No.: [Company
Identification No.] |
U28939PB1995PTC016921 |
|
|
|
|
TAN No.: [Tax
Deduction & Collection Account No.] |
PTLR11958C |
|
|
|
|
PAN No.: [Permanent
Account No.] |
AAACR8109E |
|
|
|
|
Legal Form : |
Private Limited Liability
Company |
|
|
|
|
Line of Business : |
Manufacturer of
Rolling Mill Parts. |
RATING &
COMMENTS
|
MIRA’s Rating : |
Ba |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
Maximum Credit Limit : |
USD 20000 |
|
|
|
|
Status : |
Satisfactory |
|
|
|
|
Payment Behaviour : |
Regular |
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|
|
|
Litigation : |
Clear |
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|
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|
Comments : |
Subject is a well
established and reputed company having satisfactory track. Directors are
reported as experience and respectable businessmen. Trade relations are
reported as fair. Business is active.
Payments are usually correct and as per commitments. The company can
be considered normal for business dealings at usual trade terms and
conditions. |
LOCATIONS
|
Registered Office/ Factory : |
Opposite Friend
Industries, Amloh Road, Mandi Gubindgarh, District Fatehgarh Sahib, Mandi Gobindgarh
-147 301, Punjab |
|
Tel. No.: |
91-1765-255642/ 309642/ 257477/ 645540 |
|
Mobile No.: |
91-9872071006/ 9216506376 |
|
Fax No.: |
91-1765-252291/ 242484 |
|
E-Mail : |
|
|
Website : |
DIRECTORS
|
Name : |
Mr. Avtar Singh |
|
Designation : |
Director |
|
Address : |
House No. 1006, Sector
- 71, Mohali , Punjab, India. |
|
Age : |
51 Years |
|
Qualification : |
Graduate |
|
Date of Appointment : |
21.08.1995 |
|
|
|
|
Name : |
Mr. Pawan Kumar |
|
Designation : |
Director |
|
Address : |
Gurunanak Colony,
Mawdi Gubi, Faithgarh Sahib – 147 301, Punjab, India. |
|
Age : |
49 Years |
|
Qualification : |
Post Graduate |
|
Date of Appointment : |
21.08.1995 |
|
|
|
|
Name : |
Mr. Kamaljit
Singh |
|
Designation : |
Director |
|
|
|
|
Name : |
Mr. Jaswant Kaur |
|
Designation : |
Board of Director
(Resigned form Board of Directos w.e.f. 22.12.2004) |
|
Address : |
Gurunanak Colony,
Mawdi Gubi, Faithgarh Sahib – 147 301, Punjab, India. |
|
Date of Appointment : |
22.12.2004 |
|
|
|
|
Name : |
Mr. Balbir Kaur |
|
Designation : |
Board of Director
(Resigned form Board of Directos w.e.f. 22.12.2004) |
|
Address : |
House No. 1006,
Sector - 71, Mohali, Punjab, India. |
|
Date of Appointment : |
22.12.2004 |
MAJOR SHAREHOLDERS
/ SHAREHOLDING PATTERN
(As on 30.09.2008)
|
Names of Shareholders |
No. of Shares |
|
|
|
|
Avtar Singh |
4515 |
|
Balbir Kaur |
15500 |
|
Pawan Kumar |
20195 |
|
Kamaljeet Singh |
3300 |
|
Narinder Singh |
1800 |
|
Ramanjeet Kaur |
1800 |
|
Sarwan Singh |
1800 |
|
R Kaur |
1800 |
|
Ujal Didar Singh |
1800 |
|
Kamaljeet Kaur |
1800 |
|
Surinder Kaur |
14300 |
|
Sadhu Singh |
3000 |
|
Jaswant Kaur |
6000 |
|
Bant Singh |
1800 |
|
Harbans Kaur |
1800 |
|
|
|
|
Total |
81210 |
(As on 30.09.2008)
|
Category |
Percentage |
|
|
|
|
Directors or relative of directors |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer of
Rolling Mill Parts. |
|
|
|
|
Products : |
COUPLING STANDS STRAIGHTENING MACHINE ROLLER GUIDE BOX MAGNETIC SEPARATOR
GEARS & GEAR BOXES SLAG GRINDING MACHINE FLYWHEEL |
|
|
|
|
Exports : |
|
|
Country : |
|
|
|
|
|
Terms : |
|
|
Selling : |
L/C |
|
|
|
|
Purchasing : |
L/C |
GENERAL
INFORMATION
|
Suppliers : |
· Akomkar Alloys Private Limited · Bharat Steel Centre · Suresh Iron and Steel Company · Shree Jagdamba Traders · Subhash Ispat Private Limited · Mahajan Enterprises · Lali and OCmpany · Kalsi IT Solutions · J K Enterprises · Gupta Traders · Deepak Singal Engineering And Builder Private Limited · AML Steels Limited · Riza Steel And Power Private Limited · Mountain Steels Private Limited · Dynamic Rolls |
|
|
|
|
Customers : |
· Manufacturers · Punjab Forging and Casting Private Limited · Sri Ganga Steel Enterprises Private Limited · GP Ispat Private Limited · Prem Steel and Allied Industries. · O.P. Group, (T.N.) · G.P. Ispat, Raipur · P.M.P. Group, (T.N.) · A.M.L. Steel Group, (T.N.) · Jai Bharat, (H.P.) · Mountain Steel, (H.P.) · Suraj Ispat (Gujrat) · Jai Hind (T.N.) · World Wide (Kerala) · Jai Jawala (H.P.) · Pren Steel (Bansal Group) (P.B.) · Sundershan Steel (J&K) · Chamunda Group (Gujrat) · Neelkanth (Gujrat) · Shri Krishna Steel (P.B) · Anil Steel Alloys (Karnataka) · Kiran Group (Gujrat) · Aml Steel.Paundichari ( T.N ), Autoamatic Bar Mill · P.M.P. Steel Rolling Mills Ltd. Chennai. ( Autoamatic Plant ) · Mountain Steel, Baddi ( H.P ), Automatic Bar Plant · Prime Pearl, ( Kajakistan ) · Qatar Steel ( Doha Qatar ) · World Wide Steel, T.N · G. P. Ispat P. Limited, Raipur.( Automatic Tmt Bar Mill ) · Hooghli Alloy & Steels , Calcutta · Saini Alloys, Raipur , C.G ) ( Structure Plant ) · Sudarshan Steel Rolling Mills, Jammu. ( Automatic Plant ) · Super Steels, Raipur. · Rija Steel, Raipur · Jai Jwala Steel, Baddi ( H. P ) · Jai Hind Wire Rod Mills Limited, Salem , Tamilnadu. · Mahamaya Ispat, Raipur |
|
|
|
|
No. of Employees : |
90 |
|
|
|
|
Bankers : |
· State Bank of Bikaner and Jaipur Harchand Mill Road, Motia Khan, Mandi Gobindgarh – 147001, Punjab, India
· HDFC Bank Limited |
|
|
|
|
Facilities : |
Cash Credit Limit
of Rs. 0.500 Millions |
|
|
|
|
Banking
Relations : |
- |
|
|
|
|
Auditors : |
|
|
Name : |
Goyal Dewan and Associates Chartered Accountants |
|
Address : |
Motia Khan, Mandi Gobindgarh – 147301, Punjab, India |
|
|
|
|
Sister Concerns : |
·
R M T International (Manufacturers of
Rolling Mill Parts) ·
Northern Indian Heavy Forge, Village Kumbh (Forging unit) |
CAPITAL STRUCTURE
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
100000 |
Equity shares |
Rs. 10/- each |
Rs. 1.000 million |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
81210 |
Equity shares |
Rs. 10/-
each |
Rs. 0.812
million |
|
|
|
|
|
FINANCIAL DATA
[all figures are in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2008 |
31.03.2007 |
31.03.2006 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
0.812 |
0.812 |
0.812 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
3.254 |
3.217 |
0.744 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
4.066 |
4.029 |
1.556 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
2.749 |
2.471 |
2.760 |
|
|
2] Unsecured Loans |
2.620 |
0.533 |
2.941 |
|
|
TOTAL BORROWING |
5.369 |
3.004 |
5.701 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
9.435 |
7.033 |
7.257 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
4.206 |
4.909 |
2.794 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.000 |
0.000 |
0.000 |
|
|
DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
0.000
|
0.000 |
0.000 |
|
|
Sundry Debtors |
4.810
|
3.013 |
0.687 |
|
|
Cash & Bank Balances |
3.046
|
0.242 |
0.465 |
|
|
Other Current Assets |
2.546
|
6.968 |
8.347 |
|
|
Loans & Advances |
1.886
|
1.215 |
0.662 |
|
Total
Current Assets |
12.288
|
11.438 |
10.161 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Current Liabilities |
7.064
|
9.318 |
5.703 |
|
|
Provisions |
0.000
|
0.000 |
0.000 |
|
Total
Current Liabilities |
7.064
|
9.318 |
5.703 |
|
|
Net Current Assets |
5.224
|
2.120 |
4.458 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.005 |
0.004 |
0.005 |
|
|
|
|
|
|
|
|
TOTAL |
9.435 |
7.033 |
7.257 |
|
PROFIT & LOSS
ACCOUNT
|
PARTICULARS |
31.03.2008 |
31.03.2007 |
31.03.2006 |
|
|
Sales Turnover |
38.093 |
40.328 |
24.718 |
|
|
Other Income |
0.000 |
0.000 |
0.000 |
|
|
Total Income |
38.093 |
40.328 |
24.718 |
|
|
|
|
|
|
|
|
Profit/(Loss) Before Tax |
0.036 |
2.540 |
0.001 |
|
|
Provision for Taxation |
0.000 |
0.067 |
0.000 |
|
|
Profit/(Loss) After Tax |
0.036 |
2.473 |
0.001 |
|
|
|
|
|
|
|
|
Expenditures : |
|
|
|
|
|
|
Depreciation & Amortization |
0.000 |
0.000 |
0.429 |
|
|
Other Expenditure |
0.648 |
37.788 |
24.288 |
|
Total Expenditure |
38.057 |
37.788 |
24.717 |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2008 |
31.03.2007 |
31.03.2006 |
|
PAT / Total Income |
(%) |
0.09
|
6.13 |
0.00 |
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
0.09
|
6.29 |
0.00 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
0.22
|
6.29 |
0.00 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.01
|
0.63 |
0.00 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
3.06
|
2.31 |
7.32 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
1.74
|
1.23 |
1.78 |
LOCAL AGENCY FURTHER
INFORMATION
Trade References:
v
Mountain Steels, Himachal Pradesh
v
A M L Steels, Tamilnadu
v
G P Ispat, Chandigarh
Form 8:-
|
Name of the Company |
RMT TOOLS (INDIA) PRIVATE LIMITED |
|
Presented by |
Mr. Pawan Kumar |
|
Date and description of the instrument creating or evidencing the charge |
Hypothecation Agreement dated 14.03.1997 |
|
Amount secured by the charge /amount owing on security of the charge |
Cash Credit Limit of Rs. 0.500 Millions |
|
Short Particular of the property charged. If the property acquired is
subject to change date of acquisition of property should be given |
v Hypothecation of
goods, Book debts v Equitable
Mortgage of company land & building |
|
Gist of the terms and conditions and extent and operation of the
charge. |
Rate of Interest 14.5%, Margin 25%. Repayable on demand. |
|
Names, address and description of the persons entitled to charge |
State Bank of Bikaner & Jaipur, Mandi Gobindgarh |
|
Date and brief description of instrument modifying the charge |
Form C-2, Agreement of Hypothecation of Goods & Assets dated
22.02.2005 and FORM C-5 Letter regarding the grant of individual limits
within the overall limit dated 22.02.2005 and recital letter of extension of
equitable mortgage. |
|
7. Particular of modification specifying the terms and conditions or
the extent or operation of the charge in which modification is made and the
details of modification |
a) Working capital limit enhanced from Rs. 0.750 Millions to Rs. 1.500
Millions. b) Rate of Interest 0.75% below Bank PLR with a minimum of 10% p.a. at
monthly rests. c) Margin: Stocks 25%, Book debts 40% d) Operation of Charge 100% |
|
Corporation identity number or foreign
company registrations number of the company
|
U28939PB1995PTC016921 |
|
Name of the company |
RMT TOOLS (INDIA) PRIVATE LIMITED |
|
Address |
Amloh Road, Mandi Gubindgarh, District Fatehgarh Sahib -147301,
Punjab, India |
|
This Form is for |
Modification of charge |
|
Type of Charges |
Hypothecation |
|
Particular of the charge holder |
State Bank of Bikaner and Jaipur Address: Branch Office, Mandi Gobidgarh,
Punjab – 147 301 |
|
Nature or description of the instrument
creating charge |
Agreement of hypothecation of goods and
assets. |
|
Date of the instrument creating charge |
15.04.2006 |
|
Amount Secure by the charge |
Rs. 2.200 millions |
|
Brief of the principal terms and conditions
and extent and operation of the charge |
·
C.C Limit 10.50% p.a ·
Margin: 25% ·
Term Loan 11% p.a ·
Repayment: 60 months Installments. |
|
Description of the property charge whether
it is a charge on |
Immovable property |
|
Brief
description of the instrument modifying the charge under section 135 |
Agreement of hypothecation of goods and
assets. |
|
Date of instrument modifying the charge |
15.04.2006 |
|
Particulars of the Present modification |
Credit facilities enhances from Rs. 1.500
millions to Rs. 2.200 millions |
Fixed Assets:
·
Land
·
Shed and Building
·
Plant and Machinery
·
Electric Fitting
·
Furniture and Fixture
·
Scooter
·
Computers
·
Air conditioner
·
Car
·
Fax Machine
·
Crane
Website Details
Profile:
Subject located in Northern India in Mandi Gobindgarh (PB),
known as the steel hub of India. It is their honor to submit that their concern
came into existence in 1995 & In a short span of time, it has become one of
the manufacturers of complete steel rolling mill plants. This is only because
of three following points, which they had adopted strictly.
·
Quality
·
Time Bound Services
·
Competitive Prices
The company is involved in manufacturing of complete Steel Rolling Mill plants and
its allied machinery like Flywheels (C.I/M.S Casted) 1M.T to 20M.T Dynamically
balanced with forged class IV shafts, C.I Pulleys up to 80” of Diameter,
Plumber Blocks, Full range of Gear Couplings, Reduction Gear Boxes of desired
Ratio, Pinion Stands up to 28” CRS, Mill sands Either C.I or M.S made, up to
28” CRS. Another option to have these one in Fiber type or Bearing type and
complete Range of Bearing Machines.
They have already supplied the Steel Rolling Mill Plants/Machinery in almost
all the parts of Country. More then 50 of their regular customers. The
manufacturing unit is systematic Engineering Company, which leans to its job in
a systematic way to manufacture machinery. The drawings are prepared first
before carry on to a job the design is studied thoroughly by the Engineers.
That is sent to get into the shape. They provide thoroughly specified
quotations to the customers at no cost. They provide consultancy to re-arrange
/ modify the existing Steel Plants and suggest necessary modifications required
for better milking of steel plants. The unique design of Steel Rolling Mill
Machinery facilitates diversify the product range by changing only roll set in
least time. The products are manufactured in accordance with ISO 9001:2000
standars by using internationally specified materials/tchniques. With a good
hold in the Indian market, they are now exporting machinery to various
countries. The worthy enquiries are solicited.
Turnkey Based Projects:
Subject is specialized in Turnkey Based projects. The
project from starting to end is done the supervision and a client has to just
describe the capacity requirement. They send every type of skilled person and
each and every work is done as per their scheduled. From civil work to shed,
EOT Cranes, Electrical work each part is handled by us. This helps client to
free from any type of stress and they can do the same work in less cost because
they are specializes in their area and they know from where they save clients
precious money and time.
They have the responsibility to provide the desired production in committed
time and project in completed with in the time period as per the requirement of
the Client.
Areas covered under Turnkey Based projects
- Machinery Manufacturing
- Shed
- Electrical Work
- Furnace
- Cooling Bed
- Erection of machinery
- EOT Cranes
- Workshop
- Trial Run of the Plant
- Motors
- TMT Plant
- Spare Accessories
- Allied Machinery
What
client has to provide
- Civil Work
- Transportation
- Accommodation
- Food
CMT REPORT (Corruption,
Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts, India Prisons Service,
Interpol, etc.
1] INFORMATION ON
DESIGNATED PARTY
No records exist designating subject or any of its beneficial owners,
controlling shareholders or senior officers as terrorist or terrorist
organization or whom notice had been received that all financial transactions
involving their assets have been blocked or convicted, found guilty or against
whom a judgement or order had been entered in a proceedings for violating
money-laundering, anti-corruption or bribery or international economic or
anti-terrorism sanction laws or whose assets were seized, blocked, frozen or
ordered forfeited for violation of money laundering or international
anti-terrorism laws.
2] Court Declaration :
No records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No
available information exist that suggest that subject or any of its principals
have been formally charged or convicted by a competent governmental authority
for any financial crime or under any formal investigation by a competent
government authority for any violation of anti-corruption laws or international
anti-money laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
The market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE
GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
The Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws,
regulations or policies that prohibit, restrict or otherwise affect the terms
and conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE
RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs. 48.71 |
|
UK Pound |
1 |
Rs. 72.85 |
|
Euro |
1 |
Rs. 64.70 |
SCORE & RATING
EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
5 |
|
PAID-UP CAPITAL |
1~10 |
5 |
|
OPERATING SCALE |
1~10 |
5 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
6 |
|
--PROFITABILIRY |
1~10 |
4 |
|
--LIQUIDITY |
1~10 |
5 |
|
--LEVERAGE |
1~10 |
5 |
|
--RESERVES |
1~10 |
5 |
|
--CREDIT LINES |
1~10 |
5 |
|
--MARGINS |
-5~5 |
- |
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
YES |
|
--LITIGATION |
YES/NO |
NO |
|
--OTHER ADVERSE INFORMATION |
YES/NO |
NO |
|
MERIT POINTS |
|
|
|
--SOLE DISTRIBUTORSHIP |
YES/NO |
NO |
|
--EXPORT ACTIVITIES |
YES/NO |
YES |
|
--AFFILIATION |
YES/NO |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
TOTAL |
|
45 |
This score serves as a reference to assess SC’s credit risk
and to set the amount of credit to be extended. It is calculated from a composite
of weighted scores obtained from each of the major sections of this report. The
assessed factors and their relative weights (as indicated through %) are as
follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit history
(10%) Market trend
(10%) Operational
size (10%)
RATING
EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest capability
for timely payment of interest and principal sums |
Unlimited |
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit
transaction. It has above average (strong) capability for payment of interest
and principal sums |
Large |
|
56-70 |
A |
Financial & operational base are regarded healthy. General
unfavourable factors will not cause fatal effect. Satisfactory capability for
payment of interest and principal sums |
Fairly Large |
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
26-40 |
B |
Unfavourable & favourable factors carry similar weight in credit
consideration. Capability to overcome financial difficulties seems
comparatively below average/normal. |
Small |
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with
full security |
|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
|
NR |
In view of the lack of information, they have no basis upon which to
recommend credit dealings |
No Rating |
|