MIRA INFORM REPORT

 

 

Report Date :           

22.05.2012

 

IDENTIFICATION DETAILS

 

Name :

KISWIRE CORD SDN. BHD.

 

 

Registered Office :

C/O Boardroom Corporate Services (Johor) Sdn. Bhd.,  Suite 7e, Level 7, Menara Ansar, No. 65, Jalan Trus, Johor Bahru, Johor Darul Takzim, Zip/Postal Code 80000

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

21.08.2003

 

 

Com. Reg. No.:

625666-K

 

 

Legal Form :

Private Limited Company Limited By Shares

 

 

Line of Business :

Manufacturer and sales of steel cord, bead wire and hose wire

 

 

No. of Employees :

500

 

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

 


 

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 – March 31st, 2012

 

Country Name

Previous Rating

(31.12.2011)

Current Rating

(31.03.2012)

Malaysia

a2

a2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


 Bottom of Form

Identification details  Bottom of Form

 

 

Verified Address

Subject name :              KISWIRE CORD SDN. BHD.

Business address :        Plo 475, Jalan Nibong

Kawasan Perindustrian Tanjung Langsat

Town :                           Pasir Gudang

Province :                      Johor Darul Takzim

Zip/postal code :            81700

Country :                       Malaysia

Tel :                              +60 7 2551475

Fax :                             +60 7 2552475

Website :                      www.kiswire.com

 

Registered address :      C/O BOARDROOM CORPORATE SERVICES (JOHOR) SDN. BHD.

Suite 7E, Level 7, Menara Ansar

No. 65, Jalan Trus

Town :                           Johor Bahru

Province :                      Johor Darul Takzim

Zip/postal code :            80000

Country :                       Malaysia

 

 

Summary details

 

Executive Summary

Date founded or registered :        21/08/2003

Legal form :                               Private Limited Company Limited By Shares

Chief executive :                        Park Chang Hee

Issued & paid up capital :           MYR 125,651,833

Sales turnover :                         MYR 564,954,753 (Non-consolidated 12 months, 31/12/2010)

Net income :                              MYR 75,700,188 (Non-consolidated 12 months, 31/12/2010)

Total fixed assets :                     MYR 611,052,040 (Non-consolidated 12 months, 31/12/2010)

Line of business :                       Manufacturer and sales of steel cord, bead wire and hose wire.

Staff employed :                         500 employees

 

 

Credit risk opinion

 

Company Analysis

Country risk :                             Country risk is minimal

Operation trend :                        Operational trend is progressing

Management experience :           Management is adequately experienced

Financial performance :              Financial performance is good

Organization structure :              Organizational structure is stable

Detrimental :                              No detrimental records found

Payment history :                      No payment delays noted

Comments :                              Larger credit can still be considered.

Statutory details

 

Registry Data

Registration date :                      21/08/2003

Legal form :                               Private Limited Company Limited By Shares

Registration no                          625666-K

Registered authority :                 Companies Commission of Malaysia

Registry status :                        Live/Active

Previous name :                         None reported.

Change of legal form :                 None reported.

 

 

Management / directors

 

Key Management

Name :              Park Chang Hee

Designation :     Managing Director

 

Name :              Bahng Wan Soo

Designation :     Director

 

Name :              Joo Jongdae

Designation :     Director

 

 

Board of directors / other appointments

BOARD OF DIRECTORS/ OTHER APPOINTMENTS

Appointments

Name :                          Bahng Wan Soo

Designation :                 Director

Identification no :            M27191513

Appointment date :         03/08/11

Address :                      Block A, 18-W2, The Straits View Condominium

8, Jalan Permas Selatan

Bandar Baru Permas Jaya

81750 Masai

Johor Darul Takzim

Malaysia

 

Name :                          Lee Cheon Keun

Designation :                 Director

Identification no :            M09069404

Appointment date :         21/03/12

Address :                      South Korea


Name :                          Park Chang Hee

Designation :                 Director

Identification no :            M62184218

Appointment date :         30/01/08

Address :                      Block A, 18-W2, The Straits View Condominium

8, Jalan Permas Selatan

Bandar Baru Permas Jaya

81750 Masai

Johor Darul Takzim

Malaysia

 

Name :                          Hong Young Chul

Designation :                 Director

Identification no :            M77236787

Appointment date :         19/12/03

Address :                      475-9 Pyeongchang-dong

Jongno-gu, Seoul

South Korea

 

Name :                          Lee Changwoo

Designation :                 Director

Identification no :            M00558155

Appointment date :         20/04/10

Address :                      South Korea

 

Name :                          Joo Jongdae

Designation :                 Director

Identification no :            S2505773

Appointment date :         04/05/10

Address :                      Block D, 18-E1, The Straits View Condominium

8, Jalan Permas Selatan

Bandar Baru Permas Jaya

81750 Masai

Johor Darul Takzim

Malaysia

 

Name :                          Ang Mui Kiow

Designation :                 Company Secretary

Identification no :            630530-01-5426

Appointment date :         21/08/03

Address :                      No. 27,Jalan Nibong 18

Taman Daya

81100 Johor Bahru

Johor Darul Takzim

Malaysia

Staff employed :             500 employees

 


Key Advisors

Auditors :          DELOITTE & TOUCHE

Level 19, Uptown 1

Damansara Uptown

1 Jalan SS21/58

Petaling Jaya 47400

Selangor Darul Ehsan

Malaysia

 

 

Share capital

 

Composition

Authorized Capital :        MYR 150,000,000

No of shares :                150,000,000 Ordinary Shares

Share par value :            MYR 1

Issued capital :              MYR 125,651,833

Paid up capital :             MYR 125,651,833

Changed in capital :       The Subject increased its share capital from MYR 100,000,000 to MYR 150,000,000 on

26-12-2007.

 

 

ownership / shareholders

 

How listed :                   Full List

 

Composition

Shareholder name :        KISWIRE SDN. BHD.

Address :                      Plo 475, Jalan Keluli 2

Pasir Gudang 81707

Johor Darul Takzim

Malaysia

No. of shares :               64,082,435 Ordinary Shares

 

Shareholder name :        KISWIRE SINGAPORE LTD.

Address :                      101 Cecil Street

# 16-10 Tong Eng Building

Singapore 069533

Singapore

No. of shares :               39,003,744 Ordinary Sha

 

Shareholder name :        KISWIRE ARCELORMITTAL LTD.

Address :                      134, Yoosan-dong

Yangsan, Kyungnam

South Korea

No. of shares :               12,564,694 Ordinary Shares


Shareholder name :        HONG DUK ENGINEERING LTD

Address :                      363-5 Samlak-dong

Sasang-ku, Busan

South Korea

No. of shares :               10,000,960 Ordinary Share

 

 

Related companies & corporate Affiliations

 

Structure

 

Name :                          KISWIRE LTD.

Affiliation type :              Ultimate Holding Company

Address :                      475 Mangmi-2dong

Sooyoung-ku, Busan

South Korea

Comments :

Kiswire Ltd. manufactures and sells special steel wire in South Korea and internationally. It offers oil-tempered wire for use in springs for repeated dynamic loads, including engine valve spring; flat and shaped wire for use in die springs, wave and regulator springs, snap and piston rings, and seat return springs; hard drawn steel wire that is used to make springs under static loads for general application, machinery, agriculture, and various applications; and music wire for string for musical instruments, such as pianos and guitars. The company also

offers piano wire that is used to make springs for precision machinery, electronic communication equipment, and automobiles; silk wire for use in precision machinery and electric appliances; bead wire, a reinforced material for tires on automobiles, earthmoving equipment, large trucks, and aircraft; and steel cord, a steel radial tire reinforcement product used in the belt and carcass of the tire.

 

In addition, it provides hose wire to tire manufactures; galvanized PC wire and strand for cabled stayed bridge; galvanized wire for suspension bridge; galvanized steel wire and strand for power transmission industries; PC wire and strand for use in bridges, buildings, anchor, railway sleepers, panels, and concrete pipes; and unbonded PC wire and strand that is used for construction, including earth and rock anchor, PC bridge, retaining wall and dams, and building slabs. Further, the company offers cross laid and parallel laid wire ropes, compacted/swaged wire ropes, non rotating wire ropes, hyrope, elevator wire ropes, suspension bridge wire ropes, corrosion resistance wire ropes, and large diameter wire ropes for offshore industries and mining applications, as well as

control cable, micro cable, and GAC for use in automotive and machinery; Nb3Sn superconductive wire, Sn alloy bar for superconductive precursor, and Cr coating. Kiswire Ltd. was founded in 1945 and is headquartered in Busan, South Korea.


Name :                          KISWIRE SDN. BHD.    

Affiliation type :              Parent Company

Address :                      Plo 475, Jalan Keluli 2

Pasir Gudang 81707

Johor Darul Takzim

Malaysia

 

Name :                          KISWIRE ARCELORMITTAL LTD.

Affiliation type :              Shareholder

Address :                      134, Yoosan-dong

Yangsan, Kyungnam

South Korea

 

Name :                          HONG DUK ENGINEERING LTD

Affiliation type :              Shareholder

Address :                      134, Yoosan-dong

Yangsan, Kyungnam

South Korea

 

Name :                          KISWIRE SINGAPORE LTD.

Affiliation type :              Shareholder

Address :                      101 Cecil Street

# 16-10 Tong Eng Building

Singapore 069533

Singapore

 

Name :                          KISWIRE EUROPE BV

Affiliation type :              Sister Company

Address :                      Kleine Landtong 21

4201 HL Gorinchem

The Netherlands

 

Name :                          KISWIRE (SHANGHAI) TRADING CO., LTD

Affiliation type :              Sister Company

Address :                      C806, Orient International Plaza,

85 Loushanguan Rd

Shanghai

China

 

Name :                          YANGTZE KISWIRE ARCELORMITTAL LTD.

Affiliation type :              Sister Company

Address :                      45 Zhongyang Road

Economic & Technological Development Zone

Nantong City, Jiangsu

China


Name :                          KISWIRE QINGDAO LTD

Affiliation type :              Sister Company

Address :                      No. 600 Chuangye Road

Qingdao Development Zone

Qingdao 266510

China

 

Name :                          VIETNAM KISWIRE ARCELORMITTAL LTD.

Affiliation type :              Sister Company

Address :                      Lot A-5A-CN, Bau Bang IP

Ben Cat Town

Binh Duong Province

Vietnam

 

Related companies and corporate affiliations comments

Other companies of the Kiswire Group should be considered affiliates of the Subject

 

 

Bank & mortgages

 

Bank Details

Name of bank :              HSBC Bank Malaysia Berhad

Address :                      Malaysia

Account details :            Current Account

 

Comments : It is generally not the policy of local banks to provide credit status information to non related parties, however interested parties would be advised to consult first with the Subject if banker's references are required.

 

Mortgages :

 

Total of Charge: FOREIGN CURRENCY

Date of Creation: 01-07-2004

Name of Chargee: HSBC BANK MALAYSIA BERHAD AS SECURITY AGENT

AND TRUSTEE

Charge Status: UNSATISFIED

 

Total of Charge: FOREIGN CURRENCY

Date of Creation: 01-07-2004

Name of Chargee: HSBC BANK MALAYSIA BERHAD AS SECURITY AGENT

AND TRUSTEE

Charge Status: UNSATISFIED

 

Total of Charge: FOREIGN CURRENCY

Date of Creation: 02-12-2004

Name of Chargee: HSBC BANK MALAYSIA BERHAD AS SECURITY AGENT

AND TRUSTEE

Charge Status: UNSATISFIED


Total of Charge: 30,000,000.00

Date of Creation: 25-07-2007

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 30,000,000.00

Date of Creation: 25-07-2007

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: FOREIGN CURRENCY

Date of Creation: 03-09-2008

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: FOREIGN CURRENCY

Date of Creation: 03-09-2008

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: FOREIGN CURRENCY

Date of Creation: 08-01-2009

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 0.00

Date of Creation: 08-01-2009

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 10,000,000.00

Date of Creation: 08-01-2009

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 10,000,000.00

Date of Creation: 08-01-2009

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: FOREIGN CURRENCY

Date of Creation: 08-01-2009

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: FOREIGN CURRENCY

Date of Creation: 08-01-2009

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED


Total of Charge: FOREIGN CURRENCY

Date of Creation: 08-01-2009

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 08-01-2009

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: FOREIGN CURRENCY

Date of Creation: 10-05-2010

Name of Chargee: HSBC BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Legal Fillings

Bankruptcy fillings :        None reported.

Court judgements :         None reported.

Tax liens :                     None reported.

Others :                        None reported.

 

 

financial data

 

Description

Source of financial statement :    Commercial Registry Filings

Financial statement date :          31/12/10

Type of accounts :                     Full audited

Currency :                                 Malaysia, Ringgit (MYR)

Exchange rate :                         1 USD = MYR 3.14 as of 19-05-2012

 

Summarized Financial Information

Consolidation type :                   Non Consolidated                       Non Consolidated           Group Consolidated

Currency :                                 Malaysia, Ringgit (MYR)             Malaysia, Ringgit (MYR) South Korea, Won

(KRW)

Denomination :                          (x1) One                                    (x1) One                                    (x1) One

Date of financial year end :          31/12/10                                    31/12/09                                    31/12/11

Length of accounts :                   12 months                                 12 months                                 12 months

Sale turnover / Income :             564,954,753                              393,221,118                  1,120,070,200,000

Gross profit :                                                                                                                 209,086,100,000

Profit before tax :                       79,376,188                                36,949,176                    136,120,200,000

Net income :                              75,700,188                                27,138,176                   94,114,300,000

Non current assets :                   394,107,456                              373,766,556                  1,205,689,400,000

Current assets :                         216,944,584                              174,009,879                 617,573,000,000

Inventories :                                                                                                                   239,222,700,000

Total assets :                            611,052,040                              547,776,435                  1,823,262,400,000

Current liabilities :                      168,802,941                              156,763,670                 381,603,500,000

Non current liabilities :                108,575,748                              133,039,602                  169,877,700,000

Total liabilities :                          277,378,689                              289,803,272                  551,481,200,000


Share equity :                            333,673,351                             257,973,163                 1,271,781,200,000

Retained earning :                      208,021,518                              132,321,330                  1,001,214,000,000

 

Comments :

The non consolidated financial information above relates to the Subject only. The group’s consolidated financial information above relates to the Subject’s Ultimate Holding Company Kiswire Ltd. and all its subsidiaries which include the Subject.

 

 

Operation details

 

Main activities :                          The Subject engages in manufacturing and sales of steel cord, bead wire and

hose wire.

 

The Subject is ultimately owned by Kiswire Ltd, a public listed company

incorporated in South Korea. Kiswire Ltd is a Korea-based company

engaged in the manufacture of steel products. The company produces wire

ropes, spring wires, prestressed concrete (PC) wires and strands, and steel

cords and bear wires.

Product & services :

·         Steel Cord

·         Bead Wire

·         Hose Wire

 

Purchases

International :                             Asian countries

 

Sales

Local :                          Yes

International :                 Worldwide

Key events :                  11 December 2011

Iskandar gets RM1.73b new investments

 

JOHOR BARU: Iskandar Malaysia, which has so far received committed investments totalling RM77.8 billion, has chalked up 12 new investments worth RM1.73 billion.

 

Prime Minister Datuk Seri Najib Tun Razak, who is on a day-long visit to Iskandar Malaysia, witnessed the exchange of documents between the investors at Iskandar's fifth anniversary celebrations at Puteri Harbour, Nusajaya today.

 

The new investments are between Iskandar Investment Berhad (IIB) and Frost and Sullivan, as well as Multimedia Development Corporation (MDEC) for the establishment of the RM100 million Frost and Sullivan Global Innovation Centre in Medini.

 

IIB and DHL have also agreed to establish the Iskandar Malaysia DHL Supply Chain Centre of Excellence, valued at RM0.5 million in committed investment. University of Reading of Malaysia will establish the University of Reading Malaysia in Educity, Iskandar Malaysia with committed investment of RM135 million.


Other investments include by local developer Ra Ta land Sdn Bhd for a 25-storey twin towers office project in Medini North, Iskandar Malaysia worth RM250 million.

 

Johor Corporation (JCorp) also entered into an agreement with three different investors to lease and sell land in the Tanjung Langsat Industrial Complex (TLIC). The first agreement was between JCorp and Evyap

Sabun Malaysia Sdn Bhd to lease 22.57ha in TLIC to build an integrated oleo-chemical plant worth a committed investment of RM350 million.

 

The second agreement involved JCorp and Kiswire Cord Sdn Bhd worth a committed investment of RM300 million for the sale of 8.1ha of land at TLIC to build a steel plant. The third agreement, for a committed investment of RM250 million, was between Jcorp and Mopuflex Sdn Bhd for the lease of 5.95ha of land at TLIC to set up an E-House for the oil and gas industry and a mobile platform unit for enhanced oil recovery.

 

The Multimedia University and University of Southern California also inked an agreement to establish a Cinematic Arts programme at Educity. Other investments were between Multimedia University with Iskandar Education Enterprise Sdn Bhd, UM Land with Seri Alam Properties Sdn Bhd and Raffles Campus Pte Ltd for the  development of an international school, Plus Berhad and Propel Berhad as well as between Iskandar Malaysia Studios Sdn Bhd with Universiti Teknologi Mara. -- Bernama

 

Property & Assets

Premises :                    The Subject operates from premises located at the verified heading address consisting of

production facilities, warehouse and administrative office.

Branches :                    None reported.

 

 

Summarized country risk

 

Gross Domestic Products (GDP) & Economic Overview

 

Central bank                                          :   Central Bank of Malaysia

 

Reserve of foreign exchange & gold         :   US$135.9 billion as of 30 April 2012

Gross domestic product - GDP               :   US$ 247.781 billion

 

GPP (Purchasing power parity)               :   442.01 billion of International dollars

 

GDP per capita - current prices               :   US$ 8,624

 

GDP - composition by sector                  :   agriculture: 9.4% industry: 40.9% services: 49.7%

 

Inflation                                                 2008: 5.4%

2009: 0.6%

2010: 1.7%

 

Unemployment                                      2008 : 3.3 %

2009 : 3.6 %

2010: 3.3 %

Public debt

(General Government gross

debt as a % GDP)                                  2008: 42.8  %

2009: 55.4 %

2010:   54.2%

 

Government bond ratings                        Standard & Poor's: A-/Stable/A-2

Moody's rating: A3

Moody's outlook: STA

 

Market value of publicly traded shares      US$ 420 billion

 

Largest companies in the country           :   CIMB Group Holdings (Banking), Sime Darby (Conglomerates), Public Bank (Banking), Maybank (Banking), Tenaga Nasional(Utilities), Petronas Chemicals, Maxis Berhad

 

Trade & Competitiveness Overview

Total exports                                         US$210.3 billion

 

Exports commodities                             electronic equipment, petroleum and liquefied natural gas, wood and

wood products, palm oil, rubber, textiles, chemicals

 

Total imports                                         US$156.2 billion

 

Imports commodities                              electronics, machinery, petroleum products, plastics, vehicles, iron and

steel products, chemicals

 

Export - major partners                           US 15.6%, Singapore 14.6%, Japan 9.1%, China 8.8%, Thailand 5%,

HongKong 4.6%

 

Import - major partners                           Japan 13%, China 12.9%, Singapore 11.5%, US 10.8%, Taiwan 5.7%,

Thailand 5.3%, South Korea 4.9%, Germany 4.6%, Indonesia 4.2%

 

FDI Inflows                                            2007: US$8,538 million

2008: US$7,318 million

2009: US$1,381 million

 

FDI Outflows                                          2007: US$11,280 million

2008: US$14,988 million

2009: US$8,038 million

 

Best countries for doing business            21 out of 183 countries

 

Global competitiveness ranking               26 (ranking by country on a basis of 133, the first is the best)

 

Country and Population Overview

Total population                                    : 28.23 million

Total area                                             : 329,847 km2

Capital                                                 :  Kuala Lumpur

Currency                                                                                                      :   Malaysia Ringgits (MYR)

Internet users as % of total population  : 57.61%

 

 


Payment history

 

Purchase Term

International :                 L/C, D/P, Telegraphic transfer, D/A, Credit 30-120 days

 

Sales Term

Local :                          Prepayment, D/P, Bank transfer, D/A, Credit 30-120 days

International :                 L/C, D/P, Telegraphic transfer, D/A, Credit 30-120 days

 

Trade Reference/ Payment Behaviour

Comments :                  As local and international trade references were not supplied, the Subject's payment

track record history cannot be appropriately determined but based on our research, payments are believed to be met without delay.

 

Investigation Note

Sources :                      Interviews and material provided by the Subject

Other official and local business sources


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.68

UK Pound

1

Rs.86.52

Euro

1

Rs.69.86

 

INFORMATION DETAILS

 

Report Prepared by :

MNL

 

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%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

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