MIRA INFORM REPORT

 

 

Report Date :

02.11.2012

 

IDENTIFICATION DETAILS

 

Name :

TON YI INDUSTRIAL CORP.

 

 

Registered Office :

No.837, Chung Cheng N. Rd., Yongkang Dist., Tainan City 710

 

 

Country :

Taiwan

 

 

Financials (as on) :

30.09.2012

 

 

Date of Incorporation :

14.04.1969

 

 

Com. Reg. No.:

73252657

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturing and sales of TMBP, tinplate, and tin can, etc

 

 

No. of Employees :

About 1,200 Employees

 

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 :

Regular

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 – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2012)

Current Rating

(30.06.2012)

Taiwan

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


Taiwan - ECONOMIC OVERVIEW

 

Taiwan has a dynamic capitalist economy with gradually decreasing government guidance of investment and foreign trade. In keeping with this trend, some large, state-owned banks and industrial firms have been privatized. Exports, led by electronics, machinery, and petrochemicals have provided the primary impetus for economic development. This heavy dependence on exports exposes the economy to fluctuations in world demand. In 2009, Taiwan's GDP contracted 1.9%, due primarily to a 20% year-on-year decline in exports. In 2010 GDP grew 10.9%, as exports returned to the level of previous years, and in 2011, grew 5.2%. However, 2012 growth will likely be less, according to most forecasters, because of softening global demand. Taiwan's diplomatic isolation, low birth rate, and rapidly aging population are major long-term challenges. Free trade agreements have proliferated in East Asia over the past several years, but so far Taiwan has been excluded from this greater economic integration largely because of its diplomatic status with the exception of the landmark Economic Cooperation Framework Agreement (ECFA) signed with China in June 2010. The MA administration has said that the ECFA will serve as a stepping stone toward trade pacts with other regional partners, and negotiations on a deal with Singapore began this year. Follow-on components of ECFA, including deals on trade in goods, services, and investment, have yet to be completed. Taiwan's Total Fertility rate of just over one child per woman is among the lowest in the world, raising the prospect of future labor shortages, falling domestic demand, and declining tax revenues. Taiwan's population is aging quickly, with the number of people over 65 accounting for 10.9% of the island's total population as of 2011. The island runs a large trade surplus, and its foreign reserves are the world's fourth largest, behind China, Japan, and Russia. Since 2005 China has overtaken the US to become Taiwan's second-largest source of imports after Japan. China is also the island's number one destination for foreign direct investment. Three financial memorandums of understanding, covering banking, securities, and insurance, took effect in mid-January 2010, opening the island to greater investments from the mainland's financial firms and institutional investors, and providing new opportunities for Taiwan financial firms to operate in China. Closer economic links with the mainland bring greater opportunities for the Taiwan economy, but also poses new challenges as the island becomes more economically dependent on China while political differences remain unresolved.

 

Source : CIA


Contact Points

 

Company Name:

Ton Yi Industrial Corp.

Supplied Name:

Ton Yi Industrial Corp

Trading Address:

No.837, Chung Cheng N. Rd., Yongkang Dist., Tainan City 710, Taiwan (R.O.C.)

Supplied Address:

837 Chung N Rd Yang Kang District Taiman City

Telephone Number:

+886-6-253-1131

Fax Number:

+886-6-253-5222

E-mail:

tty@tonyi.com.tw  

Website:

www.tonyi.com.tw

Notes: The exact name and address are as above.

 

 

Credit Summary

 

Credit Opinion:

Business connections are permissible.

 

 

Company Identification Details

 

Registered Name:

Ton Yi Industrial Corp.

Registered Address:

No.837, Chung Cheng N. Rd., Yongkang Dist., Tainan City 710, Taiwan (R.O.C.)

Date of Foundation:

1969-4-14

Registration Number:

73252657

Registry:

Department of Commerce, Ministry of Economic Affairs, R.O.C.

Registered Capital:

NTD 17,847,009,180 (USD 608,583,013.04)

(As of 2012.11, 1 NTD = 0.0341 USD)

Paid-up Capital:

NTD 15,791,453,420 (USD 538,488,561.62)

Legal Representatives:

Qingyuan Gao

Legal Form:

Joint Stock Company

Principal Activities:

Manufacturing and sales of TMBP, tinplate, and tin can, etc

Staff:

About 1,200 Employees

Listed at Stock Exchange:

Yes; Stock Symbol: 9907

Date of Last Annual Return:

2012-6-29

 

 

History

 

Subject was incorporated on 1969-4-14 with registered number 73252657 as Joint Stock Company in Taiwan.

 

Subject listed on Taiwan Stock Exchange on 1991-1-29.

 

Awards

Year

Awards

2009

Blue chip importer and exporter

2010

Blue chip importer and exporter

2011

Blue chip importer and exporter

 

Standard of Blue chip importer and exporter

 

Unit: USD

Year

Amount

2009

15,000,000

2010

20,000,000

2011

22,000,000

 

 

Shareholders

 

           

Name

Subscription Shares

Uni-President Enterprises Corp.

719,357,425

Xiangju Liang

5,920,028

Toyota Tsusho Corporation

88,549,987

Gao Quan Investment Corporation (Literal Translation)

23,333,700

Junren Chen

3,089,870

Congxian Zhang

2,100,000

 

The information above is that of subject’s major shareholders.

 

 

Subsidiaries & Branches

 

Related Companies

1

Name

Jiangsu Ton Yi Tinplate Co., Ltd.

Address

Tai Shan Road No.1, New Development Zone, Wuxi City, Jiangsu Province, China

Telephone Number

+86-510-8521-5096

Fax Number

+86-510-8521-0124

Email

jty.a2@tonyi.com.tw

2

Name

Fujian Ton Yi Tinplate Co., Ltd.

Address

Nanbei No.2 Road Jiaomei Industry General Developing District, Longhai City, Fujian Province, China

Telephone Number

+86-596-676-6266

Fax Number

+86-596-676-5292

Email

fty@tonyi.com.tw

3

Name

Zhangzhou Ton Yi Industrial Co., Ltd.

Address

Fengshan Industrial Park, Zhangzhou Taiwanese Investment Zone, Fujian Province, China

Telephone Number

+86-596-676-6266

Fax Number

+86-596-676-6867

Email

ztyi@tonyi.com.tw

4

Name

Chengdu Ton Yi Industrial Packing Co., Ltd.

Address

East Section South 2nd Road, Xindu Industrial Zone Of Chengdu Satellite-Down, China

Telephone Number

+86-28-8396-6885

Fax Number

+86-28-8396-5400

Email

cty@tonyi.com.tw

5

Name

Wuxi Ton Yi Industrial Packing Co., Ltd.

Address

Tai Shan Road No.3, New Zone, Wuxi, Jiangsu, China

Telephone Number

+86-510-8521-4650

Fax Number

+86-510-8521-6264

Email

wxtonyi@tonyi.com.tw

6

Name

Tovecan Corporation Ltd.,

Address

Lot A60/I-A61/II, No.7 Street, Vinh Loc Industrial Park, Binh Hung Hoa B Ward, Binh Tan District, Hochiminh City, Vietnam

Telephone Number

+84-8-3765-5214

Fax Number

+84-8-3765-5211

Email

sales@tovecan.com.vn

 

 

Personnel Information

 

Core Management

Directors

1

Name

Qingyuan Gao

Position

Board Director

2

Name

Xiangju Liang

Position

Vice Chairman of the Board Directors

3

Name

Cangsheng Lin

Position

Director

4

Name

Longyi Lin

Position

Director

5

Name

Zhixian Luo

Position

Director

6

Name

Wenlong Yang

Position

Director

7

Name

Jingzhang Guchuan

Position

Director

8

Name

Xiuling Gao

Position

Director

9

Name

Junren Chen

Position

Supervisor

10

Name

Congxian Zhang

Position

Supervisor

11

Name

Zhizhong Chen

Position

Manager

Date of Appointment

2004-7-1

12

Name

Fengfu Chen

Position

Manager

Date of Appointment

2005-7-30

 

Personnel Structure

Total Employees

About 1,200 Employees

 

 

Operation Information

 

Offices & Factories

 

Headquarters

Add

No.837, Chung Cheng N. Rd., Yongkang Dist., Tainan City 710, Taiwan (R.O.C.)

 

Production Information

l         Subject is engaged in manufacturing of TMBP, tinplate, and tin can, etc.

l         Subject’s business has been divided into three major divisions which are TMBP division, Tinplate division, and Tin can division,

l         Subject has plants in Taiwan, mainland China and Vietnam for production and the details of production information as follows for reference.

Plant

Product

Production Capacity

Certification

Tainan Ton Yi

Tinplate

300,000 MT

JIS, ISO 9001, ISO 14001, OHSAS 18001

Jiangsu Ton Yi

Electrolytic tinning

160,000 MT

ISO 9001, ISO 14001, JIS G3303

Fujian Ton Yi

Electrolytic tinning

160,000 MT

JIS G3303

ISO 9001

TFS

100,000 MT

Zhangzhou Ton Yi

PET cap

--

--

Chengdu Ton Yi

Can

400 million

ISO 9001

Printed tinplates

42 million pieces

Wuxi Ton Yi

Can

400 million

ISO 9001

Printed tinplates

84 million pieces

Tovecan

Can

120 million

ISO 9001

 

Purchase Information

l         The registered activities of subject:

Business Code

Details

--

Manufacturing, processing and trading of iron sheet, printing can and its raw material

--

Manufacturing, processing and trading of plating steel sheet and steel plate

--

Import and export of tin and tinplate machinery

--

Providing services of manufacturing and processing technology about can, plating steel sheet and steel plate

F199990

Other wholesale (ferric oxide, fatty acid, tinwork, stannic oxide)

ZZ99999

Besides licensed business, all other business items those are not banned or restricted.

 

l         The components and raw materials for production are purchased both home and abroad.

l         It is introduced that subject imports some technology from Japan, etc.

 

Sales Information

l         Subject is engaged in sales of TMBP, tinplate, and tin can, etc.

l         Subject’s sales region is in all over the world such as Asia, Europe, America, and Australia, etc.

l         Subject obtained the certifications of JIS, ISO 9001, ISO 14001, and OHSAS 18001.

 

Import and export right:

Import right

Yes

Export right

Yes

 


Settlements

 

Purchase

Domestic Purchase (Taiwan and Mainland, China)

Product

Payment Terms

Proportion

Components and raw materials, etc

COD, CBD, Credit Sales, etc

100%

 

Foreign Purchase

Product

Payment Terms

Proportion

Components and raw materials, etc

CBD

100%

 

Sales

Domestic Markets (Taiwan and Mainland, China)

Product

Sales Terms

Proportion

TMBP, tinplate, and tin can, etc

COD, CBD, Credit Sales, etc

100%

 

Export

Product

Sales Terms

Proportion

TMBP, tinplate, and tin can, etc

CBD, etc

100%

 

 

Balance Sheet

 

Unit: NTD/000

Date

2012-9-30

2011-9-30

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

127,965.00

10,509.00

Notes receivable - net

186,498.00

163,470.00

Accounts receivable - net

349,366.00

374,568.00

Accounts receivable - related parties - net

801,840.00

1,143,502.00

Other financial assets - current

811.00

1,228.00

Inventories

2,773,001.00

3,361,380.00

Other prepayments

41,452.00

21,813.00

Other current assets

384,223.00

371,092.00

Current assets

4,665,156.00

5,447,562.00

Funds and Investments

 

 

Available-for-sale financial assets - non current

97,257.00

156,714.00

Financial assets carried at cost - non current

501,050.00

501,050.00

Debt investments without active market - non current

0.00

0.00

Equity investments under equity method

4,186,421.00

4,460,401.00

Investments

4,186,421.00

4,460,401.00

Other financial assets - non current

5,406.00

9,406.00

Funds and long-term investments

4,790,134.00

5,127,571.00

Fixed Assets

 

 

Cost

 

 

Land

74,774.00

74,774.00

Buildings and structures

5,140,705.00

5,140,705.00

Machinery and equipment

27,566,037.00

27,755,943.00

Testing equipment

181,909.00

181,419.00

Transportation equipment

205,408.00

205,927.00

Office equipment

5,535.00

5,600.00

Other facilities

2,903,538.00

2,938,046.00

Revaluation increment

552,337.00

552,337.00

Cost and revaluation increment

36,630,243.00

36,854,751.00

Accumulated depreciation

-20,677,902.00

-19,901,940.00

Construction in process and prepayment for equipments

65,100.00

140,243.00

Fixed assets

16,017,441.00

17,093,054.00

Intangible Assets

 

 

Intangible assets

150,106.00

185,424.00

OtherAssets

 

 

Other assets

195,360.00

21,306.00

Assets

25,818,197.00

27,874,917.00

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Short-term borrowings

1,064,956.00

2,240,271.00

Short-term notes and bills payable

739,771.00

1,599,315.00

Financial liabilities measured at fair value through profit or loss - current

0.00

7,971.00

Notes payable

24,954.00

35,890.00

Accounts payable

195,383.00

384,361.00

Accounts payable - related parties

32,096.00

128,362.00

Accrued expenses

461,045.00

618,457.00

Long-term liabilities - current portion

1,283,326.00

1,283,326.00

Other current liabilities

30,031.00

226,114.00

Current liabilities

3,831,562.00

6,524,067.00

Long term Liabilities

 

 

Long-term borrowings

3,641,685.00

2,213,752.00

Long-term liabilities

3,641,685.00

2,213,752.00

Reserves

 

 

Reserve for land revaluation increment tax

197,039.00

197,039.00

Reserves

197,039.00

197,039.00

Other Liabilities

 

 

Other liabilities

20,285.00

25,276.00

Liabilities

7,690,571.00

8,960,134.00

Stockholders' Equity

 

 

Capital

 

 

Common stock

15,791,453.00

15,791,453.00

Capital Surplus

 

 

Capital surplus - additional paid-in capital

58,271.00

58,271.00

Capital surplus - treasury stock transactions

169,088.00

169,088.00

Capital surplus - donated assets received

819.00

819.00

Capital surplus - long-term equity investments

87,548.00

87,548.00

Capital surplus

315,726.00

315,726.00

Retained Earnings

 

 

Legal reserve

1,156,779.00

1,058,334.00

Special reserve

0.00

0.00

Unappropriated retained earnings

73,009.00

892,666.00

Retained earnings

1,229,788.00

1,951,000.00

Stockholders' Equity and Other adjustment

 

 

Cumulative translation adjustments

761,889.00

932,622.00

Net loss not recognized as pension cost

0.00

-164,245.00

Unrealized gains (losses) on financial instruments

-281,660.00

-222,203.00

Unrealized Revaluation Increment

310,430.00

310,430.00

Equity adjustments

790,659.00

856,604.00

Stockholders‘ equity

18,127,626.00

(USD 618,152,046.60)

18,914,783.00

(USD 644,994,100.30)

Number of treasury stock acquired by the company and subsidiaries (unit: share)

0.00

0.00

 

0.00

0.00

(As of 2012.11, 1 NTD = 0.0341 USD)

 

 

Profit and Loss Account

 

Unit: NTD/000

Date

2012-1-1~2012-9-30

2011-1-1~2011-9-30

Sales

17,160,946.00

(USD 585,188,258.60)

17,045,526.00

(USD 581,252,436.60)

Sales returns

1,017.00

1,440.00

Sales discounts and allowances

101.00

3,117.00

Sales

17,159,828.00

17,040,969.00

Operating income

17,159,828.00

17,040,969.00

Operating costs

16,265,019.00

15,143,759.00

Gross profit (loss) from operations

894,809.00

1,897,210.00

Unrealized gains on intercompany transactions

-17,142.00

176,953.00

Realized gains on intercompany transactions

139,010.00

52,663.00

Selling expense

700,812.00

677,259.00

General and administrative expenses

190,752.00

216,175.00

Operating expenses

891,564.00

893,434.00

Operating income (loss)

159,397.00

879,486.00

Non-Operating Income

 

 

Interest income

88.00

51.00

Income from long-term equity investments under the equity method

0.00

130,208.00

Dividends

25,182.00

1,326.00

Investment income

25,182.00

131,534.00

Gains on disposal of fixed assets

413.00

543.00

Gains on sale of investments

0.00

1,421.00

Foreign exchange gains

0.00

111,906.00

Revaluation gain on financial assets

6.00

0.00

Miscellaneous income

34,860.00

28,808.00

Non-operating revenues and gains

60,549.00

274,263.00

Non-Operating Expenses

 

 

Interest expense

87,026.00

79,569.00

Losses from long-term equity investments under the equity method

81,440.00

0.00

Investment loss

81,440.00

0.00

Loss on disposal of fixed assets

26.00

56,575.00

Foreign exchange losses

10,108.00

0.00

Revaluation loss on financial liabilities

0.00

8,374.00

Miscellaneous disbursements

50.00

751.00

Non-operating expenses and losses

178,650.00

145,269.00

Income from continuing operations before income tax

41,296.00

1,008,480.00

Income tax expense (benefit)

18,822.00

148,878.00

Income from continuing operations

22,474.00

859,602.00

Net income (loss)

22,474.00

(USD 766,363.40)

859,602.00

(USD 29,312,428.20)

Primary Earnings per Share

 

 

Primary earnings per share

0.01

0.54

Diluted earnings per share

 

 

Diluted earnings per share

0.01

0.54

(As of 2012.11, 1 NTD = 0.0341 USD)

 

 

Cash Flows

 

Unit: NTD/000

Date

2012-1-1~2012-9-30

2011-1-1~2011-9-30

Net Income (Loss)

22,474

859,602

Adjustments to Reconcile Net Income to Net Cash Provided by (Used in) Operating Activities

 

 

Depreciation Expense

814,922

825,355

Amortization Expense

30,620

29,711

Provision (Reversal of Provision) for Bad Debts Losses

1,899

208

Difference Between Net Pension Cost and Plan Contribution

-22,220

-13,171

Loss (Gain) on Decline (Recovery) in Market Value, Scrap and Obsolescence of Inventories

77,000

-126,000

Investment Loss (Income) Recognized under Equity Method

81,440

-130,208

Loss (Gain) on Disposal of Property, Plant and Equipment

-387

56,032

Property, Plant and Equipment Transferred to Expenses

0

0

Loss (Gain) on Disposal of Other Assets

0

0

Loss (Gain) on Disposal of Investments

0

-1,421

Unrealized Revaluation Loss (Gain) on Financial Assets and Liabilities

0

7,971

Unrealized Gain (Loss) on Intercompany Transactions

-17,142

176,953

Realized Loss (Gain) on Intercompany Transactions

-139,010

-52,663

Unrealized Exchange Loss (Gain)

10,276

-50,456

Loss (Gain) on Deferred Income Tax

13,172

11,905

Other Adjustments to Reconcile Net Income

0

0

Changes in Operating Assets and Liabilities

 

 

Decrease (Increase) in Financial Assets Held for Trading

0

0

Decrease (Increase) in Notes Receivable

38,970

75,774

Decrease (Increase) in Accounts Receivable

-85,804

-29,852

Decrease (Increase) in Accounts Receivable - Related Parties

-244,401

-533,074

Decrease (Increase) in Inventories

241,848

-33,582

Decrease (Increase) in Other Prepayments

-30,430

-12,551

Decrease (Increase) in Other Current Assets

-1,910

-57,230

Decrease (Increase) in Other Financial Assets

15,278

-498

Increase (Decrease) in Notes Payable

-6,950

5,570

Increase (Decrease) in Accounts Payable

95,564

219,061

Increase (Decrease) in Accounts Payable - Related Parties

22,159

5,477

Increase (Decrease) in Accrued Expenses

-157,051

-310,475

Increase (Decrease) in Other Current Liabilities

-11,833

25,706

Net Cash Provided by (Used in) Operating Activities

748,484

948,144

Cash Flows from Investing Activities

 

 

Proceeds from Disposal of Financial Assets Carried at Cost

0

1,548

Purchase of Property, Plant and Equipment

-74,682

-242,761

Proceeds from Disposal of Property, Plant and Equipment

120

1,945

Proceeds from Disposal of Rental Assets and Idle Assets

0

0

Decrease (Increase) in Other Financial Assets

0

770

Net Cash Provided by (Used in) Investing Activities

-74,562

-238,498

Cash Flows from Financing Activities

 

 

Increase (Decrease) in Short-term Loans

921,667

1,901,830

Increase (Decrease) in Short-term Notes and Bills Payable

639,785

1,449,342

Proceeds from Long-term Debt

2,658,214

3,752,399

Repayment of Long-term Debt

-3,941,540

-6,604,761

Increase (Decrease) in Guarantee Deposits Received

0

0

Increase (Decrease) in Other Liabilities

10

0

Cash Dividends Paid

-868,530

-1,203,158

Net Cash Provided by (Used in) Financing Activities

-590,394

-704,348

Effect of Exchange Rate Changes

-158

92

Net Increase (Decrease) in Cash and Cash Equivalents

83,370

5,390

Cash and Cash Equivalents, Beginning of year

44,595

5,119

Cash and Cash Equivalents, End of year

127,965

10,509

Supplemental Cash Flow Information

 

 

Interest Paid

85,936

84,394

Capitalized Interest

(405)

(906)

Interest Paid- Excluding Capitalized Interest

85,531

83,488

Income Tax Paid

102,174

327,291

Non-cash Investing and Financing Activities

 

 

Current Portion of Long-term Liabilities

1,283,326

1,283,326

Unrealized Valuation Gains or Losses on Financial Instruments

38,867

96,533

Cumulative Translation Adjustments

(198,337)

458,135

Others

(822)

0

Bankers

 

Subject declined to disclose its bank details; from other source we cannot obtain the relevant information, either.

 

 

Public Record

 

Mortgage

No chattel mortgage record of subject has been found within the recent 3 months.

 

Lawsuit

Up to date of reporting, no existing or latent litigation of the subject has been found.

 

 

Interview Details

 

Name

Mr. Sun

Department

Sales Department


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.53.79

UK Pound

1

Rs.86.77

Euro

1

Rs.69.71

 

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.