MIRA INFORM REPORT

 

 

Report Date :

09.11.2012

 

IDENTIFICATION DETAILS

 

Name :

VITERRA LTD

 

 

Registered Office :

124-130 South Terrace, Adelaide, South Australia 5000

 

 

Country :

Australia

 

 

Financials (as on) :

31.10.2011

 

 

Date of Incorporation :

30.10.1998

 

 

Legal Form :

Unlisted Australian Public Company

 

 

Line of Business :

Engaged in marketing & trading of food grains and commodities, animal feed, seed and agricultural chemicals

 

 

No. of Employees :

6,927

 

 

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)

Australia

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

AUSTRALIA - ECONOMIC OVERVIEW

 

Australia's abundant and diverse natural resources attract high levels of foreign investment and include extensive reserves of coal, iron ore, copper, gold, natural gas, uranium, and renewable energy sources. A series of major investments, such as the US$40 billion Gorgon Liquid Natural Gas project, will significantly expand the resources sector. Australia also has a large services sector and is a significant exporter of natural resources, energy, and food. Key tenets of Australia''s trade policy include support for open trade and the successful culmination of the Doha Round of multilateral trade negotiations, particularly for agriculture and services. The Australian economy grew for 17 consecutive years before the global financial crisis. Subsequently, the former RUDD government introduced a fiscal stimulus package worth over US$50 billion to offset the effect of the slowing world economy, while the Reserve Bank of Australia cut interest rates to historic lows. These policies - and continued demand for commodities, especially from China - helped the Australian economy rebound after just one quarter of negative growth. The economy grew by 1.4% during 2009 - the best performance in the OECD - by 2.7% in 2010, and by 1.8% in 2011. Unemployment, originally expected to reach 8-10%, peaked at 5.7% in late 2009 and fell to 5.0% in 2011. As a result of an improved economy, the budget deficit is expected to peak below 4.2% of GDP and the government could return to budget surpluses as early as 2015. Australia was one of the first advanced economies to raise interest rates, with seven rate hikes between October 2009 and November 2010. The GILLARD government is focused on raising Australia''s economic productivity to ensure the sustainability of growth, and continues to manage the symbiotic, but sometimes tense, economic relationship with China. Australia is engaged in the Trans-Pacific Partnership talks and ongoing free trade agreement negotiations with China, Japan, and Korea

Source : CIA


IDENTIFICATION DETAILS

 

Verified Address

Subject name :              VITERRA LTD

Business address :        124-130 South Terrace

Town :                           Adelaide

Province :                      South Australia

Zip/postal code :            5000

Country :                       Australia

Tel :                              +61 8 82117199

Fax :                             +61 8 82311249

Website :                      www.viterra.com

Registered address :      124-130 South Terrace

Town :                           Adelaide

Province :                      South Australia

Zip/postal code :            5000

Country :                       Australia

Postal address :            P.O. Box 1169

Town :                           Adelaide

Province :                      South Australia

Zip/postal code :            5001

Country :                       Australia

 

 

SUMMARY DETAILS

 

Executive Summary

Date founded or registered :        30/10/1998

Legal form :                               Unlisted Australian Public Company

Chief executive :                        Jason Frank William Rees

Issued & paid up capital :           AUD 1,242,969,384.89

Sales turnover :              CAD 11,790,458,000 (Group consolidated 12 months, 31/10/2011)

Net income :                              CAD 265,409,000 (Group consolidated 12 months, 31/10/2011)

Total fixed assets :                     CAD 7,012,631,000 (Group consolidated 12 months, 31/10/2011)

Line of business :                       Marketing & trading of food grains and commodities, animal feed, seed and agricultural chemicals, handling & storage of grain and other bulk commodities, provision of rural services & products to growers and malt manufacturing and marketing.

Staff employed :                         6,927 employees (Viterra Group)

 

 

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 found

Payment history :                      No payment delays noted

 

 

STATUTORY DETAILS

 

Registry Data

Registration date :                                              30/10/1998

Legal form :                                                       Unlisted Australian Public Company

Registration no Australian Company Number:       084962130

Registered authority :                                         Australian Securities & Investments Commission

Fiscal/ Tax no :                                                  Australian Business Number: 59084962130

Registry status :                                                Live/Active

Previous name :                                                 ABB GRAIN LTD (initial)

Change of legal form :                                         None reported.

 

 

MANAGEMENT / DIRECTORS

 

Key Management

Name :                          Dean Edward McQueen

Designation :                 Executive Manager of Grain

Name :                          Gareth Peter Hughes

Designation :                 Executive Manager of Malt

Name :                          Peter Davey

Designation :                 Executive Manager of AgriProducts

Name :                          Jason Frank William Rees

Designation :                 Financial Director

Name :                          Damian Gerard Edwards Fitzgerald

Designation :                 Legal Director

 

 

BOARD OF DIRECTORS/ OTHER APPOINTMENTS

 

Appointments

Name :                          Dean Edward McQueen

Designation :                 Director

Appointment date :         08/11/11

Address :                      Unit 10, 9 Holdfast Promenade

Glenelg, SA 5045

Australia

Biography :                    Born on 18-01-1973 in Rosetown, Canada.

Name :                          Gareth Peter Hughes

Designation :                 Director

Appointment date :         24/11/11

Address :                      14 Sandy Crescent

Salisbury Park, SA 5109

Australia

Biography :                    Born on 03-11-1964 in Christchurch, New Zealand.

Name :                          Peter Davey

Designation :                 Director

Appointment date :         24/11/11

Address :                      25A Church Street

Highgate, SA 5063

Australia

Biography :                    Born on 06-02-1964 in Melbourne, Victoria, Australia.

Name :                          Jason Frank William Rees

Designation :                 Director

Appointment date :         23/03/12

Address :                      18 Torrens Street

Linden Park, SA 5065

Australia

Biography :                    Born on 09-03-1975 in Mount Gambier, South Australia, Australia.

Name :                          Damian Gerard Edwards Fitzgerald

Designation :                 Company Secretary

Appointment date :         27/09/04

Address :                      87 First Avenue

St Peters, SA 5069

Australia

Biography :                    Born on 26-11-1968 in Cummins, South Australia, Australia.

Staff employed :             6,927 employees (Viterra Group)

 

 

Key Advisors

 

Auditors :          PRICEWATERHOUSECOOPERS

Level 14, 91 King William Street

Adelaide, SA 5000

Australia

 

 

SHARE CAPITAL

 

Composition

Authorized Capital :        AUD 1,242,969,384.89

No of shares :                218,763,777 Ordinary Shares

Share par value :            No par value

Issued capital :              AUD 1,242,969,384.89

Paid up capital :             AUD 1,242,969,384.89

 

 

OWNERSHIP / SHAREHOLDERS

 

How listed :                   Full List

Composition

Shareholder name :        VITERRA INC.

Address :                      2625 Victoria Avenue

Regina, Saskatchewan S4T 7T9

Canada

No. of shares :               218,763,777 Ordinary Shares

% of shares : 100%

 

 

RELATED COMPANIES & CORPORATE AFFILIATIONS

 

Structure

Name :                          VITERRA INC.

Affiliation type :              Parent Company

Address :                      2625 Victoria Avenue

Regina, Saskatchewan S4T 7T9

Canada

Comments : Viterra Inc. operates as an integrated agri-business company in Canada and internationally. The company’s Grain Handling and Marketing segment sells commodities comprising grains, oilseeds, and special crops; and provides related ancillary services, such as grain handling, blending, cleaning, and storage. Its Agri-Products segment manufactures, distributes, and retails fertilizers, crop protection products, and seed and seed treatments; and sells private label and third-party crop protection products, including herbicides, insecticides, and fungicides, as well as general merchandise, small agricultural equipment, general merchandise, and wool through a network of retail locations. This segment also offers various financial services, which include loans to feed products customers to purchase feeder cattle, as well as related feed inputs; and distributes bulk fuel. The company’s Processing segment manufactures and markets food ingredients associated with pasta, oats, canola, wheat, and malt barley, as well as feed products and other related products for consumer products companies and food processors. Viterra Inc. was founded in 1924 and is headquartered in Regina, Canada.

 

Name :                          VITERRA ASIA PTE. LTD.

Affiliation type :              Sister Company

Address :                      152 Beach Road

#27-08 Gateway East

Singapore 189721

Singapore

Name :                          VITERRA AUSTRALIA PTY LTD

Affiliation type :              Sister Company

Address :                      124-130 South Terrace

Adelaide, SA 5000

Australia

Name :                          VITERRA S.A .

Affiliation type :              Sister Company

Address :                      Rue du Mont-Blanc 7

1201 Genève

Switzerland

Name :                          VITERRA GERMANY GMBH

Affiliation type :              Sister Company

Address :                      Burchardstr 14

20095 Hamburg

Germany

Name :                          VITERRA UKRAINE LLC

Affiliation type :              Sister Company

Address :                      Office #97-A

5/24 Irynyns'ka Street

Kiev - 01034

Ukraine

Name :                          VITERRA S.R.L.

Affiliation type :              Sister Company

Address :                      Via Dei Mille 40

80121 Napoli

Italy

Name :                          VITERRA (SHANGHAI) TRADING CO., LTD.

Affiliation type :              Sister Company

Address :                      Room 1004 Maxdo Centre,

No 8 Xing Yi Road. Hong Qiao Development Zone

Shanghai 200336

China

Name :                          VITERRA INTERNATIONAL GRAIN, S.L.

Affiliation type :              Sister Company

Address :                      Plaza Francesc Macià No7 - 6A

Barcelona 08029

Spain

Name :                          VITERRA (NZ) LIMITED

Affiliation type :              Sister Company

Address :                      Ground Floor, 7A Pacific Rise

Sylvia Park

Mt Wellington, Auckland 1060

New Zealand

Related companies and corporate

affiliations comments

: Other companies of the Viterra Group should be considered affiliates of the Subject.

The Group has operation in Canada, United States, Australia, New Zealand,

Japan, Singapore, China, Switzerland, Italy, Ukraine and Germany.

 

 

BANK & MORTGAGES

 

Bank Details

Name of bank :              HSBC Bank Australia

Address :                      Australia

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 :                   None reported.

Legal Fillings

Bankruptcy fillings :        None reported.

Court judgements :         None reported.

Tax liens :                     None reported.

Others :                        None reported.

 

FINANCIAL DATA

 

Description

Source of financial statement :                Public Record Sources

Financial statement date :                      31/10/11

Type of accounts :                                 Full audited

Currency :                                             Canada, Dollar (CAD)

Exchange rate :                                     1 USD = CAD 0.99 as of 07-11-2012

 

Summarized Financial Information

 

Consolidation type :                   Group Consolidated                    Group Consolidated

Currency :                                 Canada, Dollar (CAD)                 Canada, Dollar (CAD)

Denomination :                          (x1) One                                    (x1) One

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

Length of accounts :                   12 months                                 12 months

Sale turnover / Income : 11,790,458,000              8,256,280,000

Gross profit :                             1,548,319,000                            1,258,567,000

Profit before tax :                       368,115,000                              188,970,000

Net income :                              265,409,000                              145,272,000

Non current assets :                   3,727,129,000                            3,611,395,000

Current assets :                         3,285,502,000                            2,460,270,000

Inventories :                               1,568,410,000                            1,211,887,000

Total assets :                            7,012,631,000                            6,071,665,000

Current liabilities :                      1,590,641,000                            1,184,275,000

Non current liabilities :                1,384,195,000                            1,177,127,000

Total liabilities :                          2,974,836,000                            2,361,402,000

Share equity :                            4,037,795,000                            3,710,263,000

Retained earning :                      799,258,000                              571,013,000

 

Comments : The group’s consolidated financial information above relates to the Subject’s Ultimate Holding Company Viterra Inc. and all its subsidiaries which include the Subject.

 

 

OPERATION DETAILS

 

Main activities : The Subject is engaged in marketing & trading of food grains and commodities, animal feed, seed and agricultural chemicals, handling & storage of grain and other bulk commodities, provision of rural services & products to growers and malt manufacturing and marketing. Viterra Inc. entered the Australian and New Zealand agricultural industries in 2009 when Viterra Inc. successfully acquired the Subject (formerly known as ABB Grain Ltd, Australia).

As of September 18, 2009, the Subject operates as a subsidiary of Viterra, Inc.

Viterra Inc. (Viterra) is a Canada-based vertically integrated international agri-business company. Viterra operates in three interrelated segments:

Grain Handling and Marketing, Agri-products and Processing. Viterra is also involved in other commodity-related businesses. Its Grain Handling and Marketing segment warehouses grain and oilseeds from South

Australia in silos, bunkers and grain sheds. Viterra also owns and operates South Australia’s bulk grain export terminals. Its Agri-products segment is involved in the sale of seed, crop protection and financial products, fertilizer, and equipment to farm customers through a network of retail locations and also involves wool accumulation and sales business in Australia. Its Processing operations provide a range of ingredients for human and livestock consumptions.

Product & services :       Barley grains

Oats grains

Triticale

Canola

Pulses

Crop protection

Fertiliser

Wool

Malt

Wheat

Oilseeds

Brand :                          Viterra

 

Purchases

Local :                          Yes

International :                 Worldwide

 

Sales

Local :                          Yes

International :                 Singapore, Japan, India, Thailand, Vietnam, South Korea, Indonesia, China,

Philippines, Russia, Malaysia

Key events :                  September 26, 2012

Viterra Provides Update on Glencore Transaction

CALGARY, ALBERTA--(Marketwire - Sept. 26, 2012) - Viterra Inc. (Viterra)

(TSX:VT) (ASX:VTA) provided an update today regarding the status of

regulatory approvals of Glencore International plc (Glencore)'s proposed

acquisition of Viterra.

While the closing of the transaction remains subject to the satisfaction or

waiver of all applicable conditions, the sole remaining regulatory approval

is the approval of the Ministry of Commerce of the People's Republic of

China (MOFCOM) under the Chinese Anti-Monopoly Law.

Glencore and Viterra continue to engage with MOFCOM to ensure

approval as soon as possible. In order to accommodate MOFCOM's review

process, Viterra and Glencore have extended the outside date for

completion of the acquisition by one month to November 15, 2012.

MOFCOM is expected to provide its approval within this timeframe. Viterra

and Glencore will advise the market once MOFCOM approval has been

received of the subsequent closing date on which the acquisition will occur.

About Viterra

Viterra provides premium quality ingredients to leading global food

manufacturers. Headquartered in Canada, the global agri-business has

operations across Canada, the United States, Australia, New Zealand and

China, as well as a growing international presence that extends to offices in

Japan, Singapore, Vietnam, Switzerland, Italy, Ukraine, Germany, Spain

and India. Driven by an entrepreneurial spirit, Viterra operates three distinct

business segments: Grain Handling and Marketing, Agri-products and

Processing. Viterra's expertise, close relationships with producers and

superior logistical assets allows Viterra to consistently meet the needs of

the most discerning end-use customers, helping to fulfill nutritional needs of

people around the world.

About Glencore

Glencore is one of the world's leading integrated producers and marketers

of commodities, headquartered in Baar, Switzerland, and listed on the

London and Hong Kong Stock Exchanges. Glencore has worldwide

activities in the production, sourcing, processing, refining, transporting,

storage, financing and supply of Metals and Minerals, Energy Products and

Agricultural Products.

Source: www.viterra.com

15 March, 2012

Viterra invests in an Australian container packing facility, broadening its

grain origination capabilities

Calgary, Alberta - March 15, 2012 - Viterra Inc. ("Viterra") (TSX:VT)

(ASX:VTA) is broadening its Australian grain operations and origination

capabilities with the acquisition of IPS Logistics' ("IPS") container packing

operation in Narrabri, New South Wales.

"The acquisition will complement Viterra's existing grain container

operations in southern and eastern Australia," said Dean McQueen,

Viterra's Executive Manager for Grain in Australia. "These additional assets

in northern New South Wales will allow Viterra to originate and containerize

grain beyond our current footprint."

The acquired assets include 75,000 tonnes of storage, a packing facility

with the capacity to load more than 10,000 shipping containers annually

and integrated rail access to facilities at Port Botany, the second largest

container shipping port in Australia.

Viterra currently operates grain container packing facilities at Port Adelaide

and Two Wells in South Australia, Laverton and Dooen in Victoria and is

currently constructing a container packing facility adjacent to the

Company's new malt plant near Sydney. The newly acquired facility at

Narrabri will provide access to an additional Department of Agriculture,

Fisheries and Forestry ("DAFF") Biosecurity registered establishment for

export certification container packing.

"IPS has a history of providing exemplary customer service, which Viterra

will strive to build on with our 20 years of experience in packing grain

containers in Australia and long-standing relationships with transport

providers and shipping lines," said Mr McQueen.

The transaction is pending completion of the customary closing

requirements, including approval by the Foreign Investment Review Board

("FIRB").

Source: www.viterra.com

History : ABB traces its origins to the former Australian Barley Board, and due to the

company's expanded operations into different areas, it demutualised to

become ABB Grain on 1 July 1999.

In 2004, ABB merged with the South Australian storage and handling

company AusBulk and the holding company United Grower Holdings. This

brought the control of the two major grain handlers, along with several of

AusBulk's divisions. Since its merger with AusBulk, ABB’s supply chain

has involved operations in storage and handling and logistics. This includes

a significant network of silos and export shipping terminals in South

Australia and the eastern states of Australia, incorporating joint ownership

of Australian Bulk Alliance, or ABA, with Japanese trading company

Sumitomo.

ABB’s malting division, Joe White Maltings, is Australia's largest producer

of malt with the capacity to produce 500,000 tonnes per annum.The eight

malting plants located across Australia include the largest malthouse in the

southern hemisphere, situated in Perth, Western Australia.

The company also provides rural services including fertiliser and

agrichemical supply and wool and livestock activities. The latter have been

supported by the acquisitions of Adelaide Wool Company, Wardle Co and

Stawool in 2007.

The company also has significant operations in New Zealand focused on

the trading and distribution of grains and proteins. In 2007, ABB

established a joint venture in Ukraine with French malting company Soufflet

to accumulate grain, manage supply chain activities and market grain.

On 19 May 2009 it was announced that ABB would be acquired by Viterra,

the largest grain handler in Canada in September 2009, if voted ahead by

the shareholders. The Head Office would be relocated to Regina, with the

worldwide malting headquarters remaining in Adelaide. The two companies

together are responsible for 37 percent of the world's exports of wheat,

canola and barley.

On 9 September 2009, shareholders voted in favour of the merger with

Viterra.

Property & Assets

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

address consisting of an administrative office.

Branches : In addition, the Subject operates in Western Australia, South Australia,

Tasmania, Victoria, New South Wales and Queensland.

 

 

SUMMARIZED COUNTRY RISK

 

Gross Domestic Products (GDP) & Economic Overview

Central bank :                                        Reserve Bank of Australia

Reserve of foreign exchange & gold :       US$ 43.879 billion

Gross domestic product - GDP :             US$ 1.586 trillion

GPP (Purchasing power parity) :             954.296 billion of International dollars

GDP per capita - current prices :             US$ 68,916

GDP - composition by sector :                agriculture: 4%

industry: 25.6%

services: 70.4%

Inflation :                                               2009: 1.8%

2010: 2.8%

2011: 3.4%

Unemployment rate :                              2009: 5.6%

2010: 5.2%

2011: 5.1%

Public debt

(General Government gross debt as

a % GDP)

: 2009: 16.9%

2010: 20.4%

2011: 22.9%

Government bond ratings :                      Standard & Poor's: AAA/Stable/A-1+

Moody's rating: Aaa

Moody's outlook: STA

Market value of publicly traded

shares

: US$1.258 trillion

Largest companies in the country :          Commonwealth Bank (Banking), BHP Billiton (Materials), Westpac Banking

Group (Banking), Rio Tinto (Materials), National Australia Bank (Banking),

ANZ Banking (Banking), Telstra (Telecommunications)

 

Trade & Competitiveness Overview

 

Total exports :                           US$210.7 billion

Exports commodities :               Coal, iron ore, gold, meat, wool, alumina, wheat

Total imports :                           US$187.2 billion

Imports commodities :                Machinery and transport equipment, computers and office machines,

telecommunication equipment and parts, crude oil and petroleum products

Export - major partners :             Japan 18.9%, China 14.2%, South Korea 8%, US 6%, NZ 5.6%, India

5.5%, UK 4.2%

Import - major partners :             China 15.5%, US 12.8%, Japan 9.6%, Singapore 5.6%, Germany 5.2%,

UK 4.3%, Thailand 4.2%

FDI Inflows :                              2008: US$46,843 million

2009: US$25,716 million

2010: US$32,472 million

FDI Outflows :                            2008: US$33,604 million

2009: US$16,160 million

2010: US$26,431 million

Best countries for doing business : 10 out of 183 countries

Global competitiveness ranking : 20 (ranking by country on a basis of 142, the first is the best)

 

Country and Population Overview

 

Total population :           22.23 million

Total area :                    7,692,024 km2

Capital :                        Canberra

Currency :                     Australian dollars (AUD)

Internet users as % of total

population

: 76%

 

PAYMENT HISTORY

 

Purchase Term

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

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

Sales Term

Local : Cash against document, Prepayment, Bank transfer, D/P, Credit 30-120 days

International : L/C, Telegraphic transfer, D/P, 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.54.44

UK Pound

1

Rs.87.00

Euro

1

Rs.69.47

 

 

INFORMATION DETAILS

 

Report Prepared by :

PDT

 

 

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.