MIRA INFORM REPORT

 

 

Report Date :           

05.04.2012

 

IDENTIFICATION DETAILS

 

Name :

ROLEX SA

 

 

Registered Office :

Rue François-Dussaud 3-5-7, 1227 Les Acacias

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2010 (Rolex Group)

 

 

Date of Incorporation :

17.02.1920

 

 

Com. Reg. No.:

660.0.012.920-4 / 122015

 

 

Legal Form :

Company limited by shares

 

 

Line of Business :

manufacture and sale of the world famous Rolex watches.

 

 

No. of Employees :

6'000-7'999 employees

 

RATING & COMMENTS

 

MIRA’s Rating :

A

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Maximum Credit Limit :

CHF 2'000'000

 

 

Status :

Good

 

 

Payment Behaviour :

No Complaints

 

 

Litigation :

Clear

 

 

NOTES:

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – September 30th, 2011

 

Country Name

Previous Rating

                   (30.06.2011)                  

Current Rating

(30.09.2011)

Switzerland

a1

a1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

Company name

 

ROLEX SA

 

 

Operating address

 

Rue François-Dussaud 3-5-7                                            Branch:

1227 Les Acacias                                                           Route de Jussy 15

Switzerland/CH                                                               Case postale 146

                                                                                     1225 Chêne-Bourg

                                                                                     Switzerland/CH

 

Telephone:                    022 3022200                               022 3022200

Fax:                             022 3002255                               022 3002255

 

Web site:                      http://www.rolex.com

E-mail:                         generaldirektion@rolex-bienne.ch

 

VAT-No.:                      CHE105962823

 

 

Profile

 

Established:                  1905

History:                         1905:    Established from Hans Wilsdorf

Line of Business:           Watch technology

Industry Division:           Manufacturing

Industry-code (NACE):     2652     Manufacture of watches and clocks

Import/Export:               Export

Banks:                         unknown

Organisation level:         Ultimate Parent

 

 

Operational Figures

 

Coverage:                     Group

Employees:                  6'000-7'999

Sales:                          CHF 2-4 Bil

 

 

Activity

 

The business activities of the group includes the manufacture and sale of the world famous Rolex watches.

 

 

Real Estate

 

Real Estate:                    It is understood that the company owns certain property.

 

 

Company Register

 

Company No:                660.0.012.920-4 / 122015

Legal form:                    Company limited by shares

Registration:                 17.02.1920

Legal status:                 active

Responsible Register:    Registre du commerce du canton de Genève

Auditor:                        PricewaterhouseCoopers SA, Genève

History:                        Date of Statutes: 07.09.1981

                                    Date of Statutes: 15.04.2002

                                    Date of Statutes: 25.06.1997

 

Entry            Deleted   Name

18.04.2002                    ROLEX SA

                    28.07.1997  Montres Rolex SA

                    28.07.1997  Rolex Uhren AG (Name translated)

                    28.07.1997  Rolex Watch Co Ltd (Name translated)

28.07.1997    18.04.2002  Montres Rolex SA

 

Entry            Deleted   Legal domicile

active                           Genève, Switzerland

 

Entry            Deleted   Address

06.06.1996                    Rue François-Dussaud 3-5-7, 1200 Genève/GE, Switzerland/CH

                    06.06.1996  Rue François-Dussaud 5, 1200 Genève/GE, Switzerland/CH

 

Entry            Deleted   Capital

28.07.1997                    Share Capital CHF 3'000'000, paidup CHF 3'000'000

 

Entry            Deleted   Capital Structure

28.07.1997                    6'000 Registered shares of CHF 500.--

 

Entry            Deleted   Activity (original Language)

active                           Fabrication et commerce de montres, d'instruments de mesure de temps et de leurs composants et accessoires, tels, qu'écrins, étuis, boîtes, etc. L'activité de la société s'étend également aux secteurs de la bijouterie, des métaux précieux et de leurs traitements, à la fabrication et à l'éventuelle commercialisation de machines de précision dans les domaines mécaniques, électriques, électroniques ou optiques.

 

Entry            Deleted   Remarks (original Language)

active                           Note: La société exploite un magasin de vente à l'enseigne "Chrono-Time", rue de la Fontaine 3. 

active                           Publishing authority: FOSC.

active                           Board of directors: Administration: 5 à 9 membres 

28.06.2011                    Merger: Reprise des actifs et passifs de Manufacture des Montres Rolex Holding AG, à Biel/Bienne (CH-073-3015893-5), selon contrat de fusion du 15.06.2011 et bilan au 31.12.2010, présentant des actifs de CHF 258'384'023.11, des passifs envers les tiers de CHF 204'820'874.40, soit un actif net de CHF 53'563'148.71. La société reprenante détenant l'ensemble des actions de la société transférante, la fusion ne donne pas lieu à une augmentation du capital, ni à une attribution d'actions.

28.06.2010                    Merger: Reprise des actifs et passifs de PIRSA SA, à Genève (CH-660-0045943-2), selon contrat de fusion du 17.06.2010 et bilan au 31.12.2009, présentant des actifs de CHF 82'952'629.90, des passifs envers les tiers de CHF 5'959'702.66, soit un actif net de CHF 76'992'927.24. La société reprenante détenant l'ensemble des actions de la société transférante, la fusion ne donne pas lieu à une augmentation du capital, ni à une attribution d'actions. Fusion: reprise des actifs et passifs de Beyeler & Cie SA, à Genève (CH-660-0379960-8), selon contrat de fusion du 17.06.2010 et bilan au 31.12.2009, présentant des actifs de CHF 38'241'822.31, des passifs envers les tiers de CHF 52'500, soit un actif net de CHF 38'189'322.31. La société reprenante détenant l'ensemble des actions de la société transférante, la fusion ne donne pas lieu à une augmentation du capital, ni à une attribution d'actions.

30.07.2007                    Merger: Reprise des actifs et passifs de la société Virex SA, à Vernier (CH-660-0576983-7), selon contrat de fusion du 21.06.2007 et bilan au 31.12.2006, présentant des actifs de CHF 7'638'725.87, des passifs envers les tiers de CHF 5'900, soit un actif net de CHF 7'632'825.87. La société reprenante détenant l'ensemble des actions de la société transférante, la fusion ne donne pas lieu à une augmentation du capital, ni à une attribution d'actions.

28.07.1997                    Reports: Communication aux actionnaires: lettre recommandée.

 

 

Official Administration

 

Title                                           Name

President                                    Bertrand Gros, Origin: Lancy, Switzerland, Address: Cologny, Switzerland, joint signature of two

Vice-President                            Pierre-Yves Firmenich, Origin: Genève, Switzerland, Address: Genthod, Switzerland, joint signature of two

Executive Director                       Henri Turrettini, Origin: Genève, Switzerland, Address: Vandoeuvres, Switzerland, joint signature of two, Registered since: 05.09.2006

Executive Director                       Daniel Treves , Origin: France, Address: 1296 Coppet/VD, Switzerland, joint signature of two, Registered since: 08.09.2009

Executive Director                       Franck Riboud , Origin: France, Address: Paris, France, joint signature of two, Registered since: 08.12.2010

Executive Director                       Jean-Claude Killy, Origin: France, Address: Cologny, Switzerland, joint signature of two, Registered since: 11.09.2000

 

 

Management

 

Title                                           Name

General Director                          Gian Riccardo Marini, Origin: Italy, Address: Milan, Italy, joint signature of two, Registered since: 30.09.2011

Director                                      Catherine Thomson, Origin: France, Address: Anthy-sur-Léman, France, joint signature of two, Registered since: 29.03.2001

Director                                      Gérard O'Rourke, Origin: Genève, Switzerland, Address: 1293 Bellevue/GE, Switzerland, joint signature of two, Registered since: 08.02.1999

Director                                      Carole Decosterd, Origin: Pully, Switzerland, Address: Pully, Switzerland, joint signature of two, Registered since: 29.03.2001

Director                                      Arnaud Boetsch, Origin: France, Address: 1253 Vandoeuvres/GE, Switzerland, joint signature of two, Registered since: 14.04.2005

Director                                      Hubert Jochaud du Plessix, Origin: Mies, Switzerland, Address: 1295 Mies/VD, Switzerland, joint signature of two

Director                                      Joël Bellec, Origin: France, Address: Cranves-Sales, France, joint signature of two, Registered since: 12.11.2002

Director                                      Rafael Rolli, Origin: Uetendorf, Switzerland, Address: 1295 Tannay/VD, Switzerland, joint signature of two, Registered since: 22.04.2010

Deputy Director                           François Paschoud, Origin: Lutry, Switzerland, Address: 1174 Montherod /VD, Switzerland, joint signature of two, Registered since: 26.03.2003

Deputy Director                           Maria Calvani, Origin: Italy, Address: 1223 Cologny/GE, Switzerland, joint signature of two, Registered since: 29.03.2001

Deputy Director                           Philippe Bentele, Origin: Saint-Gall, Switzerland, Address: Chêne-Bourg, Switzerland, joint signature of two, Registered since: 12.11.2002

Deputy Director                           Robin Kreis, Origin: Zihlschlacht, Switzerland, Address: La Roche-sur-Foron, France, joint signature of two, Registered since: 12.11.2002

Deputy Director                           Rebecca Irvin, Origin: Elgg, Switzerland, Address: Chêne-Bourgeries, Switzerland, joint signature of two, Registered since: 12.02.1998

Deputy Director                           Michel Sauvat, Origin: France, Address: Annecy-le-Vieux, France, joint signature of two, Registered since: 12.11.2002

Deputy Director                           Xavier Reuse, Origin: Saxon, Switzerland, Address: Saint-Sulpice/VD, Switzerland, joint signature of two, Registered since: 23.03.2004

Vice-Director                               Thierry Penet, Origin: France, Address: Sillingy/GE, France, joint signature of two, Registered since: 12.11.2002

Vice-Director                               Ulrik von Barnekow, Origin: Villars-sur-Glâne, Switzerland, Address: Avry-sur-Matran, Switzerland, joint signature of two, Registered since: 29.03.2001

Vice-Director                               Christian Bezençon, Origin: Eclagnens, Switzerland, Address: 1092 Belmont-sur-Lausanne/VD, Switzerland, joint signature of two, Registered since: 05.04.2007

Vice-Director                               Martin Parker, Origin: United Kingdom, Address: 1233 Bernex/GE, Switzerland, joint signature of two, Registered since: 05.04.2007

Vice-Director                               Sergio Valceschini , Origin: Yverdon-les-Bains, Switzerland, Address: Le Vaud, Switzerland, joint signature of two, Registered since: 12.11.2002

Vice-Director                               Marius Davoli , Origin: Orsières, Switzerland, Address: 1264 St-Cergue/VD, Switzerland, joint signature of two, Registered since: 12.11.2002

Vice-Director                               Catherine O'Rourke, Origin: Walzenhausen, Switzerland, Address: 1293 Bellevue/GE, Switzerland, joint signature of two, Registered since: 12.02.1998

Vice-Director                               Christophe Bouillard , Origin: France, Address: Collonges-sous-Salève, France, joint signature of two, Registered since: 12.11.2002

Vice-Director                               Philippe Bourban , Origin: Nendaz, Switzerland, Address: Basse-Nenadz, Switzerland, joint signature of two, Registered since: 28.04.2006

Vice-Director                               Virginie Chevailler, Origin: Saint-Sulpice, Switzerland, Address: Lausanne, Switzerland, joint signature of two, Registered since: 19.06.2009

Vice-Director                               Jean-Luc Ecuyer , Origin: Envy, Switzerland, Address: Avully, Switzerland, joint signature of two, Registered since: 05.04.2007

Vice-Director                               Frédéric Oulevey , Origin: Chesalles-sur-Moudon, Switzerland, Address: St.George, Switzerland, joint signature of two, Registered since: 23.03.2004

Vice-Director                               Jean-Pierre Pasquier, Origin: Genève, Switzerland, Address: Onex, Switzerland, joint signature of two, Registered since: 26.03.2003

Vice-Director                               Zarko Stevic , Origin: Grosshöchstetten, Switzerland, Address: Morges, Switzerland, joint signature of two, Registered since: 23.03.2004

Vice-Director                               Patrick Marchand , Origin: Lausanne, Switzerland, Address: 1000 Lausanne/VD, Switzerland, joint signature of two, Registered since: 09.03.2011

Vice-Director                               Yvan Jacquemyns, Origin: Menzingen, Switzerland, Address: Grand-Saconnex, Switzerland, joint signature of two, Registered since: 28.04.2006

Vice-Director                               Joël Boex, Origin: France, Address: Arenthon, France, joint signature of two, Registered since: 12.11.2002

Vice-Director                               Alain Joly, Origin: France, Address: Allonzier-la-Caille, France, joint signature of two, Registered since: 26.03.2003

Vice-Director                               Roland Ourny, Origin: Bois, Switzerland, Address: Genève, Switzerland, joint signature of two, Registered since: 26.03.2003

Vice-Director                               Vincent Schirinzi, Origin: Genève, Switzerland, Address: Chéserex, Switzerland, joint signature of two, Registered since: 05.04.2007

Vice-Director                               Yann DuPasquier, Origin: Fleurier, Switzerland, Address: 1227 Carouge /GE, Switzerland, joint signature of two, Registered since: 29.03.2001

Vice-Director                               Stéphane Buffet, Origin: Oberehrendingen, Switzerland, Address: 1242 Satigny /GE, Switzerland, joint signature of two, Registered since: 12.11.2002

Vice-Director                               Charles-Antoine de Pesters, Origin: Netherlands, Address: 1223 Cologny /GE, Switzerland, joint signature of two, Registered since: 29.03.2001

Vice-Director                               Ludiwine Arpino, Origin: France, Address: Echenevex, France, joint signature of two, Registered since: 28.04.2006

Vice-Director                               Robert Alpiger , Origin: Alt St.Johann, Switzerland, Address: 1278 La Rippe/VD, Switzerland, joint signature of two, Registered since: 08.09.2009

Vice-Director                               Colette Sartory, Origin: France, Address: Franclens, France, joint signature of two, Registered since: 27.08.1998

Vice-Director                               Jean-Noël Bioul, Origin: Veyrier, Switzerland, Address: 1252 Meinier/GE, Switzerland, joint signature of two, Registered since: 29.03.2001

Vice-Director                               José Carrera, Origin: Gränichen, Switzerland, Address: Bernex, Switzerland, joint signature of two, Registered since: 12.11.2002

Vice-Director                               Matteo Mazzanti, Origin: Italy, Address: 1279 Chavannes-de-Bogis/VD, Switzerland, joint signature of two, Registered since: 23.03.2004

Vice-Director                               Nicholas Jellicoe, Origin: United Kingdom, Address: Jongny, Switzerland, joint signature of two, Registered since: 28.07.1997

Vice-Director                               Jean-Luc Passuello, Origin: France, Address: Eche nevex, Switzerland, joint signature of two, Registered since: 12.11.2002

Vice-Director                               Philip Mandelbaum, Origin: Pully, Switzerland, Address: Epalinges, Switzerland, joint signature of two, Registered since: 08.02.1999

Vice-Director                               Raymond Schertenleib, Origin: Heimiswil, Switzerland, Address: Menthon-St-Bernard, France, joint signature of two

Vice-Director                               Eric Fenner, Origin: Brüttelen, Switzerland, Address: Bonne, France, joint signature of two

Vice-Director                               Laurent Yenny, Origin: Hauteville, Switzerland, Address: Andilly, France, joint signature of two, Registered since: 07.01.1997

Vice-Director                               Christophe Currat, Origin: Fribourg, Switzerland, Address: Collonges-sous-Salève, France, joint signature of two, Registered since: 22.04.1998

 

 

Financial Data Rolex Group

 

Consolidation:               consolidated

Industry:                       Trade/Industry

 

Fiscal year end:                                     31.12.2010        31.12.2009        31.12.2008        31.12.2007        31.12.2006

Number of months:                                       12                    12                    12                    12                    12

Currency:                                                mil. CHF           mil. CHF           mil. CHF           mil. CHF           mil. CHF

Remarks:                                                   about                about                about                about                about

 

Operating revenue                                          3'800.0              3'400.0             3'600.0              3'500.0             2'900.0

Capital                                                                3.0                   3.0                   3.0                   3.0                   3.0

 

Employees  at year end                                    6'500                6'350                6'200                6'200                5'800

 

 

Owner/-s

 

No. of Owner/-s:            2

Owner:                         The company is domestic owned.

 

Class:                          50-99%

Name:                          Fondation Hans Wilsdorf

City/Country:                 Carouge GE, Switzerland/CH

Interest:                        95.00% voting right, 95.00% capital interest

 

Class:                          0-9%

Name:                          Rolex Holding SA

City/Country:                 Les Acacias, Switzerland/CH

Interest:                        5.00% voting right, 5.00% capital interest

 

 

Sisters

 

Name:                          Rolex Holding SA

City/Country:                 Les Acacias, Switzerland/CH

 

 

Investments

 

Class:                          100%

Name:                          DONIAR SA

City/Country:                 Biel/Bienne, Switzerland/CH

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Relogios Rolex Ltda

City/Country:                 Sao Paulo, Brazil/BR

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Relojes Rolex Argentina SAI

City/Country:                 Buenos Aires, Argentina/AR

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Relojes Rolex de Mexico SA de CV

City/Country:                 Mexico City, Mexico/MX

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Australia Pty Ltd

City/Country:                 Melbourne, Australia/AU

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex (Beijing) Limited

City/Country:                 Beijing, China/CN

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Benelux SA

City/Country:                 Bruxelles 1, Belgium/BE

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Canada Ltd

City/Country:                 Toronto, Canada/CA

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Centre Ltd

City/Country:                 Taipei, Taiwan/TW

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex de Venezuela CA

City/Country:                 Caracas, Venezuela/VE

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Deutschland GmbH

City/Country:                 Köln, Germany/DE

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Espana SA

City/Country:                 Madrid, Spain/ES

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex France SA

City/Country:                 Paris, France/FR

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex (Guangzhou) Limited

City/Country:                 Guangzhou, China/CN

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Hellas SA

City/Country:                 Athens, Greece/GR

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex (Hong Kong) Limited

City/Country:                 Central, Hong Kong/HK

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Italia SpA

City/Country:                 Milano, Italy/IT

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex (Japan) Limited

City/Country:                 Tokyo, Japan/JP

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Korea Ltd

City/Country:                 Seoul, South Korea/KR

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex S.A.B. (Thailand) Ltd

City/Country:                 Bangkok, Thailand/TH

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex (Shanghai) Limited

City/Country:                 Shanghai, China/CN

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Singapore Private Ltd

City/Country:                 Singapore, Singapore/SG

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Watch Company (South Africa) Pty Ltd

City/Country:                 Sandton, South Africa/ZA

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Rolex Watch USA Inc

City/Country:                 New York, United States of America/US

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          The Rolex Watch Co. Private Ltd

City/Country:                 Mumbai, India/IN

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          The Rolex Watch Company Limited

City/Country:                 London, United Kingdom/GB

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          50-99%

Name:                          Manufacture des Montres Rolex S.A.

City/Country:                 Biel/Bienne, Switzerland/CH

Interest:                        99.40% voting right, 99.40% capital interest

 

Class:                          50%

Name:                          Rolex Promotions SA

City/Country:                 Les Acacias, Switzerland/CH

Interest:                        50.00% voting right, 50.00% capital interest

 

Class:                          0-9%

Name:                          CSEM Centre Suisse d'Electronique et de Microtechnique SA - Recherche et Développement

City/Country:                 Neuchâtel, Switzerland/CH

Interest:                        6.00% voting right, 6.00% capital interest

 

 

Legal Actions

 

Control date       Year                       No.             Amount CHF     Status

14.03.2012          2012                           0

14.03.2012          2011                           2                       511'760.-- Closed legal actions

14.03.2012          2010                           0

14.03.2012          2009                           0

14.03.2012          2008                           0

14.03.2012          2007                           0

 

An updated legal action check is only available against proof of interest. e.g. a copy of an enquiry letter, and order or invoice relating to the subject company.

 

 

Credit Information

 

Financial Situation:        The financial situation is considered to be good.

 

Payment experiences:   Financial obligations are met as appropriate.

 

Maximum Credit:           CHF 2'000'000

 

 

 


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.51.05

UK Pound

1

Rs.81.09

Euro

1

Rs.67.39

 

 

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

Capability to overcome financial difficulties seems comparatively below average.

 

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

----

NB

New Business

----

 

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%)

 

 

 

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.