MIRA INFORM REPORT

 

 

Report Date :

17.12.2013

 

IDENTIFICATION DETAILS

 

Name :

KOLON INDUSTRIES, INC.

 

 

Registered Office :

1-23, Byeoryang-dong, Gwacheon-si, Gyeonggi-do

 

 

Country :

South Korea

 

 

Financials (as on) :

30.09.2013

 

 

Date of Incorporation :

05.01.2010

 

 

Com. Reg. No.:

138-81-56604 from 202-81-44660

 

 

Legal Form :

Listed Company

 

 

Line of Business :

Manufacture of Synthetic Resin and Other Plastic Materials

 

 

No. of Employees :

3,788

 


 

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 :

Satisfactory

 

 

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, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

South Korea

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

SOUTH KOREA - ECONOMIC OVERVIEW

 

South Korea over the past four decades has demonstrated incredible growth and global integration to become a high-tech industrialized economy. In the 1960s, GDP per capita was comparable with levels in the poorer countries of Africa and Asia. In 2004, South Korea joined the trillion dollar club of world economies, and is currently the world's 12th largest economy. Initially, a system of close government and business ties, including directed credit and import restrictions, made this success possible. The government promoted the import of raw materials and technology at the expense of consumer goods, and encouraged savings and investment over consumption. The Asian financial crisis of 1997-98 exposed longstanding weaknesses in South Korea's development model including high debt/equity ratios and massive short-term foreign borrowing. GDP plunged by 6.9% in 1998, and then recovered by 9% in 1999-2000. Korea adopted numerous economic reforms following the crisis, including greater openness to foreign investment and imports. Growth moderated to about 4% annually between 2003 and 2007. Korea''s export focused economy was hit hard by the 2008 global economic downturn, but quickly rebounded in subsequent years, reaching 6.3% growth in 2010. The US-South Korea Free Trade Agreement was ratified by both governments in 2011 and went into effect in March 2012. Throughout 2012 the economy experienced sluggish growth because of market slowdowns in the United States, China, and the Eurozone. The incoming administration in 2013, following the December 2012 presidential election, is likely to face the challenges of balancing heavy reliance on exports with developing domestic-oriented sectors, such as services. The South Korean economy''s long term challenges include a rapidly aging population, inflexible labor market, and heavy reliance on exports - which comprise half of GDP.

 

Source : CIA

 


Basic Information

 

Basic

 

Company Name

KOLON INDUSTRIES, INC.

Registered Address

1-23, Byeoryang-dong, Gwacheon-si, Gyeonggi-do, Korea

Building

Kolon Tower

Zip Code

427-709

Tel

+82-2-3677-3114

Fax

+82-2-3677-3389

E-mail

ikolon@kolon.com;ddochi97@kolon.com

Website

www.ikolon.com

Trading Address

10Th FL., Kolon Tower, 1-23, Byeoryang-dong, Gwacheon-si, Gyeonggi-do, Korea

Tel

+82-2-3677-3515

Fax

+82-2-3677-3539

Other Address-FnC Div.

Gt Tower, 1317-27, Seocho-dong, Seocho-gu, Seoul, Korea

Tel

+82-2-3677-8053

Fax

 

Other Address-Gumi Factory

Kolon, 212, Gongdan 2-dong, Gumi-si, Gyeongsangbuk-do, Korea

Tel

+82-54-469-3114

Fax

+82-54-469-3116

Other Address-Gyeongsan Factory

345, Bugi-ri, Jillyang-eup, Gyeongsan-si, Gyeongsangbuk- do, Korea

Tel

+82-53-850-2114

Fax

+82-53-850-2034

Other Address-Gimcheon Factory

300-2, Eungmyeong-dong, Kimcheon-si, Gyeongsangbuk- do, Korea

Tel

+82-54-429-7305

Fax

+82-54-429-7660

Type

Export/Import

Industry

Spinning of Man-Made Fibers

  Main Business

Spandex Yarn, Tire Cord Yarn, PET Film, Nylon Film, Stamping Foil, Window Film, Dry  Film, Engineering Plastic, Sports Wear, Golf Wear, Casual Wear

  Sub Business

Manufacture of Synthetic Resin and Other Plastic Materials

Established (mm/dd/yyyy)

01/05/2010

The Subject owns the premises of registered Gumi Factory, Gyeongsan Factory and Gimcheon Factory.

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Gel stabilizers(12161807)

Sell

Phenolic resin(13111002)

Sell

Additives(12160000)

Sell

Resins(13111000)

Sell

Polyurethane resins(13111061)

Sell

Petroleum resins(13111060)

Sell

Blank video tapes(45131604)

Sell

Tire cord(25172507)

Sell

Miniature golf courses(90151703)

Sell

Films(13111200)

Sell

Threads(11151600)

Sell

Polyester thread(11151603)

Sell

Nylon thread(11151608)

Sell

Spandex thread(11151611)

 

CEO’s

 

Name

Park Dong-Moon

Address

 

Date of Birth

07/1958

Title

President & CEO

Sex

Male

Nationality

Korean

 

Profiles

 

Capital (KRW)

135,837,700,000

Employees

3,788

Formation

Listed Company (Korea Stock Exchange: 120110) as of 02/01/2010

A Company of KOLON GROUP

Bank Details

Korea Development Bank

Korea Exchange Bank

Woori Bank-Kwacheon Branch

Corporate Registered No.

135311-0013606 from 110111-0030528

Business Registered No.

138-81-56604 from 202-81-44660

Permit & Licenses

Int’l Trade No.: 974679

Shareholder Position

Name

Shares

%

LEE WOONG-RYEOL

300,904

1.08

LEE DONG-CHAN

52,140

0.19

KOLON CORPORATION(110111-0030528)

7,724,595

27.76

NATIONAL PENSION SERVICE(110171-0007134)

2,382,143

8.56

KB ASSET MANAGEMENT CO., LTD.(110111-0572556)

3,423,079

12.30

TREASURY STOCK

594,464

2.14

OTHERS

13,346,373

47.97

TOTAL

27,823,698

100.00

Company History

04/12/1957 Incorporated as Korea Nylon INC.

02/25/1977 Changed company name to KOLON(NYLON) INC.

10/28/1981 Changed company name to the present name

06/01/2007 Acquired KOLON CHEMICAL CO., LTD. (110111-0191405)

11/20/2007 Decided to spin off into two companies, KOLON INDUSTRIES, INC., and KOLN Fashion Material Co., Ltd. as of 03/02/2008

08/2009 Acquired FnC KOLON CORP(110111-0003973)

12/31/2009 Spin off into the Subject Company, KOLON INDUSTRIES, INC.(Newly Established Company and which is taken of the manufacturing business), and KOLON CORPORATION(110111-0030528) as a Holding Company

01/05/2010 Incorporated as the present name

02/01/2010 Listed at Korea Stock Exchange(120110)

05/01/2011 Acquired CAMBRIDGE KOLON CO., LTD.(134111-0000517)

09/30/2012 Acquired KOLON PLASTICS INC.(171311-0003504) and KSI CO., LTD.(171411-0010789)

 

 

 

 

Detailed Information

 

Management

 

Job Description

Title

Name

Nationality

Date of Birth

Education

Chairman & CEO

Mr.

Lee Woong-Ryeol

Korean

1956.04.18

MBA, Gorge Washington University

President & CEO

Mr.

Park Dong-Moon

Korean

1958.07

George Washington  University, USA

Director

Mr.

Song Seok-Jung

Korean

1955.05

Korea University, Korea

Sr. Executive President

Mr.

Hong Sung-An

Korean

1961.07

Busan national University, Korea

Director

Mr.

Numano Ryuichi

Japanese

1952.06.08

慶應義塾大學, Japan

Outside Director

Mr.

Kim Myung-Won

Korean

1947.05.28

Myungji University, Korea

Outside Director

Mr.

Shin Jang-Sub

Korean

1962.01.28

Seoul National University, Korea

Outside Director

Mr.

Choi Nam-Kyu

Korean

1941.11.25

Seoul National University, Korea

Outside Director

Mr.

Nam In-Sik

Korean

1950.01.21

Univ. of Massachusetts

Outside Director

Mr.

Kim Sung-Ho

Korean

1946.10.21

Seoul National University, Korea

Outside Director

Mr.

Kim Jong-Ho

Korean

1947.08

Kyunghee University, Korea

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

(*)09/2013

2,851,365,395,717

3,696,834,407,990

54,647,645,334

(*)2012

4,103,325,509,899

3,561,314,087,017

130,707,394,640

(*)2011

4,063,828,838,425

3,578,931,698,372

185,310,557,004

(*)2010

3,228,788,843,934

3,186,148,737,420

179,435,051,168

(*)Figures are based on the K-IFRS Accounting System.

 

Financial Description

 

Authorized Capital(KRW)

250,000,000,000

Paid-Up Capital(KRW)

139,118,490,000

Total Issued Shares

27,823,698

 

 

Balance Sheet

 

Unit : Korean Won

01/01/2013~09/30/2013

As of 12/31/2012

As of 12/31/2011

Total Assets

3,696,834,407,990

3,561,314,087,017

3,578,931,698,372

Current Assets

1,428,771,712,453

1,398,243,507,828

1,437,412,190,597

Cash & Cash Equivalents

62,746,694,183

105,651,447,519

96,153,894,887

Other Finance Assets

40,000,000,000

30,000,000,000

-

Trade Receivables & Other Receivables

614,354,459,362

628,023,787,047

692,004,432,363

Inventories

677,792,868,680

609,940,905,170

605,994,032,684

Other Current Assets

33,877,690,228

24,627,368,092

43,259,830,663

Non-Current Assets

2,268,062,695,537

2,163,070,579,189

2,141,519,507,775

Non-Current Financial Instruments

41,500,000

41,500,000

59,500,000

Trade Receivables & Other Receivables

56,363,151,070

54,855,137,777

30,883,990,566

Marketable Financial Instruments

106,886,259,601

131,821,981,713

198,844,619,749

Investment_Related Companies

648,714,320,538

568,499,343,010

548,136,777,634

Tangibles

1,342,887,617,115

1,292,545,231,488

1,254,302,332,356

Investment_Real Estates

14,034,110,478

14,213,479,306

14,634,420,748

Intangibles

93,092,248,363

93,579,105,249

91,978,366,041

Other Non-Current Assets

6,043,488,372

7,514,800,646

2,679,500,681

Total Liabilities

2,175,211,831,308

2,050,071,010,679

2,101,957,415,821

Current Liabilities

1,590,495,375,302

1,277,220,441,541

1,446,840,927,583

Trade Payables & Other Payables

480,720,417,276

463,746,028,210

550,554,337,045

Short-Term Borrowings

1,045,118,281,443

744,721,919,652

801,540,927,589

Other Current Liabilities

47,292,164,026

61,029,885,586

52,029,624,983

Accrued Income Tax

17,364,512,557

7,722,608,093

42,716,037,966

Non-Current Liabilities

584,716,456,006

772,850,569,138

655,116,488,238

Long-Term Trade Payables & Other Payables

56,249,679,370

58,760,901,536

51,981,186,930

Long-Term Borrowings

435,828,371,657

604,357,066,255

487,000,000,000

Other Non-Current Financial Instruments

1,189,688,197

1,207,400,759

1,210,038,383

Provision for Severance & Retirement

61,732,302,907

52,179,612,659

42,651,424,237

Deferred Income Tax Credit

10,268,957,687

36,203,288,606

52,831,592,828

Other Non-Current Non-Financial Instruments

19,447,456,188

20,142,299,323

19,442,245,860

Capital Stock

139,118,490,000

139,118,490,000

139,016,160,000

Capital Surplus

895,427,734,125

895,427,734,125

895,197,595,236

Treasury Stock

-127,349,033,682

-127,349,033,682

-127,349,033,682

Profit Surplus

566,393,154,169

535,029,269,320

450,285,204,429

Others

48,032,232,070

69,016,616,575

119,824,356,568

Total Equity

1,521,622,576,682

1,511,243,076,338

1,476,974,282,551

Liab. & Shareholder’s Equity

3,696,834,407,990

3,561,314,087,017

3,578,931,698,372

 

 

Income Statement

 

Unit : Korean Won

01/01/2013~09/30/2013

As of 12/31/2012

As of 12/31/2011

Sales

2,851,365,395,717

4,103,325,509,899

4,063,828,838,425

Cost of Sold Goods

2,099,717,581,115

2,969,428,124,009

2,969,915,704,021

Gross Profit

751,647,814,602

1,133,897,385,890

1,093,913,134,404

Selling & Admin. Expenses

621,350,489,702

876,801,485,612

792,381,173,617

Operating Income

130,297,324,900

257,095,900,278

301,531,960,787

Other Operating Income

22,769,595,805

34,660,725,837

41,339,577,282

Other Operating Expenses

51,748,301,506

79,295,967,549

48,096,854,156

Finance Income

19,012,246,428

16,918,547,021

8,958,435,119

Finance Expenses

-45,739,982,719

-70,690,196,794

-75,176,497,682

 Profits from Investment on Related/Subsidiary Companies

-1,129,210,000

 

 

Income Before Taxes

73,461,672,908

158,689,008,793

228,556,621,350

Income Taxes Expenses

18,814,027,574

27,981,614,153

43,246,064,346

Net Income

54,647,645,334

130,707,394,640

185,310,557,004

 

 

Cash Flows

 

Unit : Korean Won

01/01/2013~09/30/2013

As of 12/31/2012

As of 12/31/2011

Operating Activities Cash Flows

115,820,239,481

249,300,181,533

243,266,332,241

Net Income

54,647,645,334

130,707,394,640

185,310,557,004

Adjustment

194,065,271,984

275,236,981,810

253,081,669,630

Changes in Asset/ & Liability

-104,051,231,563

-97,271,162,871

-185,586,639,142

Income Taxes

-28,841,446,274

-59,373,032,046

-9,539,255,251

Cash Flows from Investing

-226,675,271,483

-204,170,589,115

-131,586,587,596

Cash Flows from Financing

67,991,957,453

-35,498,334,694

-71,195,635,430

Increase/Decrease in Cash

-42,863,074,549

9,631,257,724

41,410,697,372

Cash at the Beginning of Year

105,651,447,519

96,153,894,887

54,732,240,559

Cash at the End of Year

62,746,694,183

105,651,447,519

96,153,894,887

 

Products, Technologies, Services Description

 

Main Products & Services

Nylon Yarn, Films, Polyester Yarn, Spandex Yarn, Tire Cord Yarn, PET Film, Nylon Film, Stamping Foil, Window Film, Dry Film, Engineering Plastic, Fashion Business

 

Brand Name: N-SDY1, P-SDY, PTC AKILEN, Secura, CM-N6, CM-PBT, EPD-6, BASE FILM, NYLON FILM, EXTREME, TREKKING, TRANSITION, PERFORMANCE, KIDS

 

Trade Partners & Competitors

 

Suppliers

SAMNAM PETROCHEMICAL CO., LTD.( 110111-0557061)

KP CHEMICAL CORP(230111-0082112)

HONAM PETRO CHEMICAL CORPORATION(110111-0193196)

SK CHEMICALS CO., LTD(130111-0005727)

ASAHI

SOLUTIA

INVISTA

Customers

SAMSUNG ELECTRONICS CO,.LTD(130111-0006246)

LG.PHILIPS LCD CO., LTD.( 110111-0393134)

SKC LTD(130111-0001585)

HYUNDAI MOBIS CO., LTD.(110111-0215536)

 

GOODYEAR

BRIDGESTONE

MICHELIN

CONTINENTAL

Competitors

HYOSUNG CORPORATION(110111-0030497)

KP CHEMTECH(230111-0100443)

HUVIS CORPORATION(110111-2102070)

 

TOK

DUPONT

ETERNAL

HITACHI-JAPAN

ASHAI-JAPAN

 

Related Parties (Subsidiaries, Joint-Venture & Affiliates)

 

Affiliates-Domestic

KOLON PHARMACEUTICAL CO., LTD.(110111-0256259)

(42.53% held by the subject company)

 

KOLON CORPORATION(110111-0030528)

KTP INDUSTRIES INC.(171311-0003504)

KOLON GLOTECH INC. (110111-0524838)

(53.84% held by the subject company)

 

KOLON FASHION CORPORATION(110111-2127292)

NEOVIEWKOLON CO., LTD (134211-0040660)

KF&T INDUSTRIES INC.(230111-0091824)

KOLON LIFE SCIENCE CO., LTD.(110111-1948277)

CELLVIC DEVELOPMENT CORPORATION(131111-0031292)

CRYOTECH CO., LTD.(191211-0010226)

KOLON FASHION MATERIAL INC.(135311-0011139)

(67.13% held by the subject company)

 

KOLON EVERAY CO., LTD.(176011-0054417)

FNC KOLON CORP.(110111-0003973)

CAMBRIDGE MEMBERS CO., LTD.(134111-0000517)

KOLONWELLCARE CO., LTD.(110111-2930299)

SWEET MEAL CO., LTD.(110111-2925604)

SURPLUS GLOBAL, INC.(110111-1921140)

KOLON MOTORS CO., LTD.(131111-0209708)

KOLON ENGINEERING & CONSTRUCTION CO., LTD.(110111-0036502)

KOLON CONSTRUCTION & CONSULTING CO., LTD.(170111-0230756)

I PACIFIC PARTNERS INC.(110111-1902786)

KOLON I' NETWORKS CORP.(110111-0712350)

DEOK PYEONG LAND CO., LTD.(134411-0024149)

KOLON ENVIRONMENTAL SERVICE CO., LTD.(135311-0005893)

GREEN NARAE INC(161511-0078133)

KESCO LANDSCAPE CO., LTD.(135311-0009572)

KOLON BENIT CO., LTD.(135311-0003920)

MAUNA OCEAN DEVELOPMENT CO., LTD.(171211-0045128)

EFMC (ENVIRONMENTAL FACILITIES MANAGEMENT CORPORATION 110111-1458739 )

ENVY SYSTEM INC.(110111-1028798)

GREEN HWASUN INC.(160111-0199459)

GREEN GYEONGSAN INC.(160111-0203622)

GREEN SUNCHANG INC.(160111-0134942)

ON ORGANICNANO ELECTROIC SYSEMS INC.(200111-0255228)

KOREA EPLATFORM CO., LTD.(110111-2008921)

Affiliates-Overseas

PT. KOLON INA

KOLON USA INC.

TISSUEGENE INC.

QINGDAO KOLON GLOTECH INC.

KOLON NANJING CO., LTD.

ZHANGJIAGANG KOLON GLOTECH INC.

PT. KOLON LANGGENG

BEIJING KOLON GLOTECH, INC.

KOLON GP CHEMICAL (SUZHOU) CO., LTD.

KOLON INT'L(H.K) LTD.

KOLON IMPERIAL GRAPHICS PLC.

IMPERIAL GRAPHICS GROUP SERVICES LTD.

IMPERIAL GRAPHICS PRODUCTS LTD.

KOLON(U.K) LTD.

BEIJING MI JO DESIGN CO., LTD.

KOLON GLOTECH U.S.A. CORP.

FNC KOLON SHANGHAI CORP.

FNC KOLON USA CORP.

Overseas Office

KOLON USA INC.

3 SPERRY ROAD, FAIRFIELD, N.J. 07004 U.S.A

TEL:+1-973-575-2550 FAX:+1-973-575-1332, 6628

 

P.T KOLON INA.

JL. RAYA JAKARTA-SERANG KM80, DESA KESERANGAN KABUPATEN SERANG JAWA, BARAT, INDONESIA

TEL:+62-254-281-234 / 282-222 FAX:+62-254-281-555

 

SIAM TIRE CORD CO., LTD.

46/1 MOO 9 BANGNA-TRAD ROAD, K.M 39 BANGWUA BANGPAKONG, CHACHEONGSAO, 24130 THAILAND

TEL:+66-38-538-555 FAX:+:66-38-538-399

 

TOKYO OFFICE

DAIICHI HIBIYA BLDG. 9/F, 18-21, 1-CHOME, SHINBASHI, MINATO-KU, TOKYO, JAPAN

TEL:+81-3-3502-5509/3503-9986 FAX:+81-3-3508-2105

 

OSAKA OFFICE

SHINBO BLDG. 3/F 1-11, 3-CHOME, BINGOMACHI, CHUO-KU, OSAKA, JAPAN

TEL:++81-6-6204-1007 FAX : 81-6-6204-1155

 

BEIJING OFFICE

ROOM 718, BEIJING HUAPU INTERNATIONAL PLAZA, #19, CHAOYANG MEN WAI STREET, BEIJING, CHINA

TEL:+86-10-6599-2716 FAX:+86-10-6599-2715

 

FRANKFURT OFFICE

ARABELLA CENTER 2 OG, LYONER STRASSE 44-48 60528, FRANKFURT / MAIN, GERMANY

TEL:+49-69-962-21510 FAX:+49-69-962-21515

 

KOLON NANJING CO., LTD.

210046, HENG JING ROAD, NANJING ECONOMIC & TECHNOLOGICAL DEVELOPMENT ZONE, QIXIA DISTRICT, NANJING CITY, JIANGSU PROVINCE, CHINA

TEL:+1-86-25-8557-3500 FAX:+1-86-25-8557-1592

Cooperative Enterprise

CHEMTEX-USA

TORAY-JAPAN

 

-Insured Company

SAMSUNG FIRE & MARINE INSURANCE CO., LTD.(110111-0005078)

 

Sales by Region (Activity & Markets)

 

The Subject exports to China, USA, Europe and South America.

 

Court Action

 

Case No.

Court

Plaintiff(s)/ Creditor(s)/ Applicant(s)

Defendant(s)/ Debtor(s)/ Respondent(s)

Cause

Amount (KRW)

Status

Case No. 3:09cv58

In The United States District Court For The Eastern District of Virginia Richmond Division

E. I. DU PONT DE NEMOURS AND COMPANY

The Subject Company

Infringement of Trade Secret

1,048,716,900,000

The Subject has been defeated at 1st round(11/22/2011), and  is supposed to apply for 2nd round.

 

 

News Clipping

 

Not Available

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.10

UK Pound

1

Rs.101.27

Euro

1

Rs.85.43

 

 

INFORMATION DETAILS

 

Report Prepared by :

NNA

 

 

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

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NB

New Business

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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.