MIRA INFORM REPORT

 

 

Report Date :

05.02.2013

 

IDENTIFICATION DETAILS

 

Name :

PACIFIC BRANDS WORKWEAR GROUP PTY LTD

 

 

Registered Office :

C/o PACIFIC BRANDS LIMITED, Level 2, 290 Burwood Road, Hawthorn,  Victoria, 3122

 

 

Country :

Australia

 

 

Financials (as on) :

30.06.2012

 

 

Date of Incorporation :

13.09.2006

 

 

Com. Reg. No.:

004055387

 

 

Legal Form :

Australian Proprietary Company

 

 

Line of Business :

Distribution of work wear and related accessories.

 

 

No. of Employees :

9,022 employees (Pacific Brand Group)

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

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 – 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                            : PACIFIC BRANDS WORKWEAR GROUP PTY LTD

Other style / Business name       : CAN'T TEAR EM / HARD YAKKA / KINGGEE / NNT UNIFORMS / STUBBIES

/ STYLECORP

Business address                      : 26-28 King William Street

Town                                        : Broadmeadows

Province                                   : Victoria

Zip/postal code                         : 3047

Country                                     : Australia

Tel                                            : +61 3 92791599

Fax                                           : +61 3 93099640

Website                                    : www.pacificbrands.com.au

 

Registered address                   : C/o PACIFIC BRANDS LIMITED

  Level 2, 290 Burwood Road

Town                                        : Hawthorn

Province                                   : Victoria

Zip/postal code                         : 3122

Country                                     : Australia

 

 

SUMMARY DETAILS

 

Executive Summary

 

Date founded or registered        : 13/09/2006

Legal form                                : Australian Proprietary Company

Chief executive                         : Matthew Claughton

Issued & paid up capital            : AUD 250,000

Sales turnover                           : AUD 1,322,670,000 (Group-consolidated 12 months, 30/06/2012)

Net income                               : AUD -450,847,000 (Group-consolidated 12 months, 30/06/2012)

Total fixed assets                      : AUD 1,256,656,000 (Group-consolidated 12 months, 30/06/2012)

Line of business                        : Distribution of work wear and related accessories.

Staff employed                                     : 9,022 employees (Pacific Brand Group)

 

Company Analysis

 

Country risk                               : Country risk is minimal

Operation trend                         : Operational trend is declining

Management experience            : Management is reasonably experienced

Financial performance               : Financial performance is gradually declining

Organization structure                : Organizational structure is stable

Detrimental                               : No detrimental found

Payment history                        : No payment delays noted

Comments                                : Credit can still be considered as the Subject's group equity balance is stable.

 

STATUTORY DETAILS

 

Registry Data

 

Registration date                                               : 13/09/2006

Legal form                                                        : Australian Proprietary Company

Registration no Australia Company Number        : 004055387

Registered authority                                          : Australian Securities and Investments Commission

Fiscal/ Tax no                                                   : Australia Business Number: 82004055387

Registry status                                                  : Live/Active

Previous name                                                  : YAKKA (AUST.) PTY. LTD.

W.G.D. HOLDINGS PTY. LTD.

W. & G. DEAN PROPRIETARY LIMITED

DEAN & COMPANY PROPRIETARY LIMITED

DEAN & COMPANY LIMITED (initial)

Change of legal form                                         : None reported.

 

 

MANAGEMENT / DIRECTORS

 

Key Management

 

Name                                        : Matthew Claughton

Designation                              : General Manager

 

 

BOARD OF DIRECTORS/ OTHER APPOINTMENTS

 

Appointments

 

Name                            : David Landt Bortolussi

Designation                  : Director

Appointment date          : 09/06/09

Address                        : 24 Kent Road

Surrey Hills, VIC 3127

Australia

Biography                     : Born on 30-07-1969 in Melbourne, Victoria, Australia.

Mr. David L. Bortolussi serves as Chief Financial Officer and Operating Officer of Pacific Brands Limited since June 9, 2009. Prior to his appointment, he was at Foster's Group Limited, recently as Chief Strategy Officer where his responsibilities included corporate strategy, business development, financial planning and operational performance improvement. He has experience in the consumer goods and financial sectors, having held senior consulting roles with McKinsey & Company and PricewaterhouseCoopers where he developed functional capabilities in strategy, operations and finance.

At Pacific Brands, he is responsible for Finance, Commercial, Corporate Development, Treasury, IT, Shared Services, Risk, Legal, Sourcing & Supply Chain and other Corporate Services.

 

Name                            : John Carl Pollaers

Designation                  : Director

Appointment date          : 03/09/12

Address                        : 12 Regent Street

Brighton East, VIC 3187

Australia

Biography                     : Born on 25-07-1962 in Victoria Park, Western Australia, Australia.

 

Name                            : John Charles Grover

Designation                  : Company Secretary

Appointment date          : 02/04/07

Address                        : 14 Tuxen Street

Balwyn North, VIC 3104

Australia

Biography                     : Born on 22-11-1961 in Melbourne, Victoria, Australia.

Mr. John Grover serves as General Counsel and Company Secretary of Pacific Brands Limited since December 2003. Prior to joining Pacific Brands, he held senior corporate legal roles with Ansell Limited (formerly Pacific Dunlop Limited) and RTZ Limited (formerly CRA Limited). Prior to this, he had an eight year career with an Australian law firm, which included two roles based in South East Asia.

Staff employed                         : 9,022 employees (Pacific Brand Group)

 

 

SHARE CAPITAL

 

Composition

 

Authorized Capital         : AUD 250,000

No of shares                 : 250,000 Ordinary Shares

Share par value             : AUD 1

Issued capital                : AUD 250,000

Paid up capital              : AUD 250,000

 

 

OWNERSHIP / SHAREHOLDERS

 

How listed                     : Full List

 

Composition

 

Shareholder name         : PACIFIC BRANDS HOLDINGS PTY LTD

Address                        : Level 2, 290 Burwood Road

Hawthorn, VIC 3122

Australia

No. of shares                : 250,000 Ordinary Shares

% of shares                  : 100%

 

RELATED COMPANIES & CORPORATE AFFILIATIONS

 

Structure

 

Name                : PACIFIC BRANDS LIMITED

Affiliation type : Ultimate Holding Company

Address            : Level 2, 290 Burwood Road

Hawthorn, VIC 3122

Australia

Comments        : Pacific Brands Limited engages in sourcing, marketing, wholesaling, and retailing consumer  products. Its products include underwear, intimate apparel, socks, hosiery, and bonds outerwear products for women, men, and children under the Berlei, Bonds, Holeproof, Jockey, Razzamatazz, Rio, and Voodoo brands. The company also provides industrial workwear and corporate uniforms to employees and businesses under the Hard Yakka and KingGee, Can't Tear ‘Em, Dowd, NNT, Stylecorp, and Stubbies brands. In addition, it offers homewares, footwear, and outerwear products that include pillows, quilts, bedlinen, towels, carpet underlay; women’s, men’s, and children’s footwear; casual outerwear; and sporting outerwear and equipment under the Sheridan, Tontine, Dunlopillo, Dunlop, Clarks, Hush Puppies, Volley, Everlast, Diesel, Mossimo, Superdry, and Slazenger brands. The company sells its products in the Asia-Pacific region, as well as in the United Kingdom, Europe, the Middle East, and the United States.

Pacific Brands Limited is headquartered in Hawthorn, Australia.

Pacific Brands Limited is listed on the Australian Stock Exchange (ASX) and the New Zealand Stock Market (NZX).

 

Name                : PACIFIC BRANDS HOLDINGS PTY LTD

Affiliation type : Parent Company

Address            : Level 2, 290 Burwood Road

Hawthorn, VIC 3122

Australia

 

Name                : PACIFIC BRANDS (ASIA) LIMITED

Affiliation type : Sister Company

Address            : Langham Place, Level 40, Office Tower

8 Argyle Street

Kowloon

Hong Kong

 

Name                : PACIFIC BRANDS CLOTHING PTY LTD

Affiliation type : Sister Company

Address            : Level 2, 290 Burwood Road

Hawthorn, VIC 3122

Australia

 

Name                : PACIFIC BRANDS FOOTWEAR PTY LTD

Affiliation type : Sister Company

Address            : Level 2, 290 Burwood Road

Hawthorn, VIC 3122

Australia

Related companies and corporate affiliations comments : Other companies of the Pacific Brands Group should be considered affiliates of the Subject.

 

 

BANK & MORTGAGES

 

Bank Details

 

Name of bank               : National Australia Bank

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            : 30/06/12

Type of accounts                      : Full audited

Currency                                   : Australia Dollar (AUD)

Exchange rate                           : 1 USD = AUD 0.96 as of 04-02-2013

 

Summarized Financial Information

 

Consolidation type                    : Group Consolidated Group Consolidated

Currency                                   : Australia Dollar (AUD)              Australia Dollar (AUD)

Denomination                            : (x1) One                                 (x1) One

Date of financial year end          : 30/06/12                                  30/06/11

Length of accounts                  : 12 months                               12 months

Sale turnover / Income               : 1,322,670,000              1,614,598,000

Gross profit                              : 613,068,000                            753,088,000

Operating profit                                     : -404,864,000                           -62,254,000

Profit before tax                        : -430,917,000                           -97,886,000

Net income                               : -450,847,000                           -131,485,000

Non current assets                    : 690,630,000                            1,186,934,000

Current assets                           : 566,026,000                            635,141,000

Inventories                                : 244,263,000                            262,479,000

Total assets                              : 1,256,656,000              1,822,075,000

Current liabilities                        : 206,246,000                            240,703,000

Non current liabilities                 : 361,729,000                            396,473,000

Total liabilities                           : 567,975,000                            637,176,000

Share equity                             : 688,681,000                            1,184,899,000

Retained earning                       : -97,060,000                             -247,149,000

Comments                                : The group’s consolidated financial information above relates to the Subject’s

Ultimate Holding Company Pacific Brands Limited and all its subsidiaries which include the Subject.

 

 

OPERATION DETAILS

 

Main activities                           : The Subject is engaged in distribution of work wear and related accessories.

The Subject is ultimately owned by Pacific Brands Limited.

Pacific Brands Limited engages in sourcing, marketing, wholesaling, and retailing consumer products. Its products include underwear, intimate apparel, socks, hosiery, and bonds outerwear products for women, men, and children under the Berlei, Bonds, Holeproof, Jockey, Razzamatazz, Rio, and Voodoo brands. The company also provides industrial workwear and corporate uniforms to employees and businesses under the Hard Yakka and KingGee, Can't Tear ‘Em, Dowd, NNT, Stylecorp, and Stubbies brands. In addition, it offers homewares, footwear, and outerwear products that include pillows, quilts, bedlinen, towels, carpet underlay; women’s, men’s, and children’s footwear; casual outerwear; and sporting outerwear and equipment under the Sheridan, Tontine, Dunlopillo, Dunlop, Clarks, Hush Puppies, Volley, Everlast, Diesel, Mossimo, Superdry, and Slazenger brands. The company sells its products in the Asia-Pacific region, as well as in the United Kingdom, Europe, the Middle East, and the United States.

Pacific Brands Limited is headquartered in Hawthorn, Australia.

Pacific Brands Limited is listed on the Australian Stock Exchange (ASX).

Product & services                    : Industrial workwear

Protective clothing

Corporate uniforms

Footwear

Headgear

Eyewear

Brand                                       : CAN'T TEAR EM

HARD YAKKA

KINGGEE

NNT UNIFORMS

STUBBIES

STYLECORP

 

Purchases

 

International                              : Mainly from Asia

 

Sales

 

Local                                        : Yes

International                              : Oceania

Key events                                : 23 October 2012

Pacific Brands CEO John Pollaers’ new ‘heroes’ John Pollaers, the new CEO at the clothing and footwear wholesaler Pacific Brands, told LeadingCompany today about his plans to make designers the “heroes” of the brands in his company's stable. Many of these brands are iconic – Bonds, Berlie, Holeproof, Hard Yakka, King Gee and Sheridan sheets.

Pollaers talked with long-suffering shareholders at today’s annual general meeting about his impressions of his “exciting first 50 days” as CEO of Pacific Brands. “Most of our well-known and respected brands are in better shape than I expected,” Pollaers told shareholders. Speaking after the meeting to LeadingCompany, Pollaers elaborated on the points he made in his presentation to shareholders about his plans to revive the company.

The current state of play Pollaers has no good financial news to revive the spirits of shareholders, who’ve been driven close to despair by the $450.7 million loss announced in the full-year financial results in August. Year to date, group sales are down.

Pollaers’ spirits, however, are high and at the meeting he wanted to pass on some of this fervour to shareholders. “Short term, the trading environment remains challenging,” Pollaers said. “But now I want to share with you why I took on the role as your CEO and why I am optimistic about the future.”

Pollaers has visited every major business site in Australia, China, Hong Kong and Indonesia. He has examined the supply chain and caught up with suppliers.

“I have completed a thorough review of each business with management taking me through the current state of play, their business plans, and discussing the opportunities in front of them – and I am pleased to say there are a great many opportunities available to the company, and of course there are some challenges,” Pollaers said.

From beer to bras Pollaers was seen by some as a controversial appointment, coming as he does from outside the clothing and footwear sector. His predecessor, Sue Morphett, had 16 years with Pacific Brand, including the last five years in the top job.

Pollaers was, for a short time, the CEO of the beer maker, Foster’s Group, before Foster’s was bought out by SABMiller. His history is in the liquor industry. Prior to Fosters, he was with cocktail maker, Diageo.

Analysts, however, point to Pollaers’ “big brand” experience, working in difficult market conditions and experience with wholesale and retail. Pollaers tells LeadingCompany his understanding of consumer products and of turnarounds is applicable to his current role. “I have more than 20 years in consumer products, and that means really working back from consumer through to retail. I have done seven or eight turnarounds over that time. Facing these circumstances is something I am very used to.”

Pollaers’ strategy

1. Shift the focus to customers and consumers With the internal pain behind the company (staff sacked, brands jettisoned, writedowns taken), Pollaers will turn his attention to the market. Work with retailers on the presentation and position of Pacific Brands products in store will lead to some growth in the brands, he says.

In promoting the brands, Pollaers will elevate the design, research and development capability of Pacific Brands. “The amount of technical innovation that happens is very impressive, and we need to invest more in communicating those things,” he tells Leading Company.

Pollaers wants to work faster, too. “From here on in we will be more ambitious, tenacious and relentless in our execution.

2. More retail and online

Pollaers sees online sales and social media as a key plank in rebuilding customers’ enthusiasm for the brands. While this has traditionally been seen as problematic for wholesalers – putting them in competition with the retailers that are their customers – Pollaers says it is integral to modern wholesaling.

“The reality for any brand business globally now is that you need excellence in wholesale, direct retail and online sales capability. It is not a question of trading one off against the other, but rather ensuring we have amazing wholesale relationships that bring our brands to life; a direct retail presence that demonstrates the quality of our entire range; and online capability that keeps our brands relevant and accessible in Australia and internationally."

3. Expand overseas

China is no longer just a place for manufacturers to outsource to; it is also

a big market opportunity.

Pollaers tells LeadingCompany that the first two planks of the strategy are the immediate focus, but overseas markets “will evolve”. He says: “The most significant focus is investing and getting retail and online strengthened because its takes longer to expand the sales and distribution networks into other markets.

“But Sheridan is a good example. It already has China and Hong Kong among its top five customers, and has significant presence in retail through concession stores and dedicated outlets. The question we can explore is, couldn’t we do that with other brands?”

The brands mentioned are Bonds, Sheridan and “workwear”.

4. Stay ahead in supply chain

There is not much more efficiency to be had in supply chain, says Pollaers, after his own first-hand examination of the systems at Pacific Brands. The answer is a watching brief on supply chain management. “The days of massive cost reductions through outsourcing are over for most manufacturers, but there are always areas for continued improvement.”

5. “Breakthrough performance”

Last, but most critical to success is fostering the talents of the company's people, says Pollaers. He plans to foster a “breakthrough performance environment”, a leadership model that is promoted as a way to improve innovation. “Having had the opportunity to meet many people in our company, I can see that we have both great depth and diversity of talent. I have no doubt that this talent will thrive when we provide the right coaching, mentoring, feedback and end-to-end accountability.”

Pollaers saw a “strong desire to work better as a team” and plans to encourage greater ambition and performance. “We will build on the solid experience in the business and expand our risk taking and innovation capability. Commercial and sensible risk-taking needs to be encouraged and to become part of the culture at all levels.”

Source                                      : www.leadingcompany.com.au

 

Property & Assets

 

Premises                                  : The Subject operates from premises located at the verified heading address consisting of an administrative office and warehouse.

Branches                                  : None reported.

 

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

 

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

 

Sales Term

 

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

International                                          : Prepayment, 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.52.97

UK Pound

1

Rs.83.17

Euro

1

Rs.72.20

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

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.