MIRA INFORM REPORT

 

 

Report Date :

18.02.2013

 

IDENTIFICATION DETAILS

 

Name :

CAMERON ROMANIA SA

 

 

Registered Office :

Str. B. P. Hasdeu nr. 1, Campina, 105600, Jud. Prahova

 

 

Country :

Romania

 

 

Financials (as on) :

30.06.2012

 

 

Date of Incorporation :

30.04.1991

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Manufacture of machinery for mining, quarrying and construction Cameron is a leading provider of flow equipment products, systems and services to worldwide oil, gas and process industries.

 

 

No. of Employees :

859 Persons

 

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 – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2011)

Current Rating

(30.06.2012)

Romani

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

ROMANIA - ECONOMIC OVERVIEW

 

Romania, which joined the European Union on 1 January 2007, began the transition from Communism in 1989 with a largely obsolete industrial base and a pattern of output unsuited to the country's needs. The country emerged in 2000 from a punishing three-year recession thanks to strong demand in EU export markets. Domestic consumption and investment fueled strong GDP growth, but led to large current account imbalances. Romania's macroeconomic gains have only recently started to spur creation of a middle class and to address Romania's widespread poverty. Corruption and red tape continue to permeate its business environment. Inflation rose in 2007-08, driven by strong consumer demand and high wage growth, rising energy costs, a nation-wide drought, and a relaxation of fiscal discipline. As a result of the global financial crisis, Romania's GDP fell more than 7% in 2009, prompting Bucharest to seek a $26 billion emergency assistance package from the IMF, the EU, and other international lenders. Drastic austerity measures, as part of Romania's IMF-led agreement, led to a 1.6% GDP contraction in 2010. The economy returned to positive growth in 2011 due to a strong export performance, but in a deflationary environment caused by bountiful crops and weak domestic demand. In March 2011, Romania and the IMF/EU/World Bank signed a 24-month precautionary stand-by agreement, worth $6.6 billion, to promote compliance with fiscal targets, progress on structural reforms, and financial sector stability. The Romanian authorities have announced that they do not intend to draw funds from the facility. Growth slowed to less than 1% in 2012.

Source : CIA


Company name and address

 

CAMERON ROMANIA SA

Str. B. P. Hasdeu nr. 1, Campina, 105600, Jud. Prahova

Tel +40 244 530981 / +40 244 306600/+40 244 337241

Fax +40 244 336553

WEB www.c-a-m.com

 

 

Summary

 

Legal Form

Private Limited Company

 

 

Foundation

established on 30.04.1991 as Intreprinderea Mecanica Campina Private Limited Company

on 30.04.1991 name changed into PCC STEROM SA-JOINT STOCK

on 2005 name changed into Sterom Sa

on 2006 name changed into Cameron Romania Sa

 

 

Trade Register

Reg. Nr. J29/385/1991

Fiscal code RO 1323964

 

 

Capital

RON 60,432,500.00

 

 

Associates

Cameron Netherlands B.v., Holland

100,00000000%

PRODUKTIEWEG 14,9601MA

 

 

 

Principals

Robert Walker

Director

William Clarence Lemmer

Administrator

Sima Eichler Peter

Administrator

Krummel Christopher

Administrator

Sc Acon Audit Srl

Auditor

 

 

Generalities

2892 Manufacture of machinery for mining, quarrying and construction

Cameron is a leading provider of flow equipment products, systems and services to worldwide oil, gas and process industries. Leveraging its global manufacturing, sales and service network, Cameron's 11 operating divisions work with drilling contracto

 Legal office and working spaces at the above mentioned address

 

Working Points:

 

 -   Ploiesti, Str.Republicii, Nr.224

 

 

Real estate

According to the Balance Sheet 2011 the company holds real estates with a book value of 125,023,463 RON, but we do not have any other details on the type and location of these assets.

 

 

Employees

31.12.2001

647 Persons

31.12.2002

793 Persons

31.12.2003

799 Persons

31.12.2004

750 Persons

31.12.2005

700 Persons

31.12.2006

692 Persons

31.12.2007

764 Persons

31.12.2008

781 Persons

31.12.2009

841 Persons

31.12.2010

813 Persons

31.12.2011

845 Persons

30.06.2012

859 Persons

 

 

Annual turnover

31.12.2000

RON

35,563,306.50

 

31.12.2001

RON

79,331,294.60

 

31.12.2002

RON

101,236,522.00

 

31.12.2003

RON

111,123,520.10

 

31.12.2004

RON

133,399,249.70

 

31.12.2005

RON

145,735,782.00

 

31.12.2006

RON

250,825,237.00

 

31.12.2007

RON

378,627,297.00

 

31.12.2008

RON

505,727,226.00

 

31.12.2009

RON

386,983,640.00

 

31.12.2010

RON

587,076,827.00

 

31.12.2011

RON

677,011,157.00

 

30.06.2012

RON

374,427,736.00

 

 

Assets

Figures in RON per

31.12.2010

31.12.2011

30.06.2012

 

1.Incorporation expenses 

0.0

0.0

N/A

 

2.Development expenses

0.0

0.0

N/A

 

3.Concession rights, patents, licences, trademarks, similar rights and assets and other intangible fixed assets

2,059,118.0

1,161,402.0

N/A

 

4.Goodwill

0.0

0.0

N/A

 

5.Down payments and intangible fixed assets in progress

178,925.0

178,925.0

N/A

 

TOTAL INTANGIBLE FIXED ASSETS

2,238,043.0

1,340,327.0

731,517.0

 

1.Land and buildings

115,505,732.0

109,717,099.0

N/A

 

2.Technical installations and machines

159,246,191.0

140,120,088.0

N/A

 

3.Other installations, machinery and furniture

2,230,477.0

1,601,653.0

N/A

 

4.Down payments and tangible fixed assets in progress

7,453,161.0

2,107,951.0

N/A

 

TOTAL TANGIBLE FIXED ASSETS

284,435,561.0

253,546,791.0

230,115,267.0

 

1.Shares in subsidiaries

16,000.0

16,000.0

N/A

 

2.Loans given to subsidiaries

0.0

0.0

N/A

 

3.Participating interests

0.0

0.0

N/A

 

4.Loans given to associates

0.0

0.0

N/A

 

5.Other long term investments

0.0

0.0

N/A

 

6.Other loans

188,310.0

2,804,552.0

N/A

 

TOTAL CAPITAL ASSETS

204,310.0

2,820,552.0

522,166.0

 

NON CURRENT ASSETS - TOTAL

286,877,914.0

257,707,670.0

231,368,950.0

 

1.Raw materials and consumables

97,605,252.0

104,725,086.0

N/A

 

2.Work in progress

23,958,501.0

20,044,389.0

N/A

 

3.Finished goods

5,435,219.0

15,276,779.0

N/A

 

4.Down payments on inventory purchases

1,860,159.0

1,771,040.0

N/A

 

TOTAL INVENTORIES

128,859,131.0

141,817,294.0

139,935,230.0

 

1.Trade receivables

98,552,389.0

147,553,941.0

N/A

 

2.Receivables from subsidiaries

0.0

0.0

N/A

 

3.Receivables from entities in respect of participating interests

0.0

0.0

N/A

 

4.Other receivables

16,025,532.0

11,598,765.0

N/A

 

5.Unpaid subscribed capital

0.0

0.0

N/A

 

TOTAL RECEIVABLES

174,118,435.0

283,538,911.0

144,977,765.0

 

1.Shares in subsidiaries

0.0

0.0

N/A

 

2.Other short-term investments

59,540,514.0

124,386,205.0

N/A

 

TOTAL SHORT-TERM INVESTMENTS

59,540,514.0

124,386,205.0

200,418,229.0

 

IV. PETTY CASH AND BANK ACCOUNTS

1,924,476.0

481,291.0

470,958.0

 

CURRENT ASSETS - TOTAL

304,902,042.0

425,837,496.0

485,802,182.0

 

C. PREPAID EXPENSES

908,566.0

1,325,370.0

2,091,821.0

 

TOTAL ASSETS

592,688,522.0

684,870,536.0

719,262,953.0

 

Liabilities

Figures in RON per

31.12.2010

31.12.2011

30.06.2012

 

1.Debenture loans

0.0

0.0

N/A

 

2.Amounts payable to credit entities

0.0

0.0

N/A

 

3.Down payments received on orders in progress

2,027,655.0

8,388,559.0

N/A

 

4.Commercial debts - suppliers

77,712,958.0

93,644,864.0

N/A

 

5.Commercial bills due

0.0

0.0

N/A

 

6.Amounts payable to subsidiaries

222,545,472.0

240,934,913.0

N/A

 

7.Amounts payable to associates in respect of participating interests 

0.0

0.0

N/A

 

8.Other debts, including fiscal debts and amounts payable to social security

12,694,490.0

16,501,688.0

N/A

 

TOTAL SHORT-TERM DEBTS

314,980,575.0

359,470,024.0

325,550,897.0

 

E.NET CURRENT ASSETS/NET CURRENT DEBTS

-9,169,967.0

67,692,842.0

N/A

 

F.TOTAL ASSETS MINUS CURRENT DEBTS

277,707,947.0

325,400,512.0

N/A

 

1.Debenture loans

0.0

0.0

N/A

 

2.Amounts payable to credit entities

0.0

0.0

N/A

 

3.Down payments received on orders in progress

0.0

0.0

N/A

 

4.Commercial debts - suppliers

0.0

0.0

N/A

 

5.Commercial bills due

0.0

0.0

N/A

 

6.Amounts payable to subsidiaries

8,660,056.0

3,956,570.0

N/A

 

7.Amounts payable to associates in respect of participating interests 

0.0

0.0

N/A

 

8.Other debts, including fiscal debts and amounts payable to social security

0.0

0.0

N/A

 

TOTAL LONG-TERM DEBTS

8,660,056.0

3,956,570.0

3,956,570.0

 

1.Provisions for pensions and other similar obligations

2,064,951.0

2,607,574.0

N/A

 

2.Provisions for taxes

0.0

0.0

N/A

 

3.Other provisions

0.0

0.0

N/A

 

TOTAL DEBTS

323,640,631.0

363,426,594.0

329,507,467.0

 

TOTAL PROVISIONS

2,064,951.0

2,607,574.0

2,604,951.0

 

Grants for investments

0.0

0.0

N/A

 

deferred income

0.0

0.0

N/A

 

TOTAL DEFERRED INCOME

0.0

0.0

0.0

 

1.Subscribed and paid capital

60,432,500.0

60,432,500.0

N/A

 

2.Subscribed and unpaid capital

0.0

0.0

N/A

 

3.Assets and liabilities (public sector companies)

0.0

0.0

N/A

 

TOTAL SHARE CAPITAL

60,432,500.0

60,432,500.0

60,432,500.0

 

II. CAPITAL PREMIUM

0.0

0.0

N/A

 

III. REVALUATION RESERVES

36,867,802.0

37,081,812.0

N/A

 

1.Legal reserves

12,086,500.0

12,086,500.0

N/A

 

2.Statutory or contractual reserves

0.0

0.0

N/A

 

3.Reserves representing the revaluation reserve surplus

576,900.0

576,900.0

N/A

 

4.Other reserves

87,469,782.0

87,469,782.0

N/A

 

TOTAL RESERVES

100,133,182.0

100,133,182.0

N/A

 

Own shares

0.0

0.0

N/A

 

Earnings associated to own capital instruments

0.0

0.0

N/A

 

Losses associated to own capital instruments

0.0

0.0

N/A

 

Reported profit or loss (e) Balance account C

0.0

69,335,444.0

N/A

 

Reported profit or loss (e) Balance account D

2,124,888.0

0.0

N/A

 

Profit or loss as per the financial year Balance account C

73,642,158.0

51,853,430.0

N/A

 

Profit or loss as per the financial year Balance account D

0.0

0.0

N/A

 

Profit distribution

1,967,814.0

0.0

N/A

 

SHAREHOLDERS' EQUITY - TOTAL

266,982,940.0

318,836,368.0

387,150,535.0

 

Public patrimony

0.0

0.0

N/A

 

EQUITY - TOTAL

266,982,940.0

318,836,368.0

N/A

 

TOTAL LIABILITIES

592,688,522.0

684,870,536.0

719,262,953.0

 

Notes

Figures in RON per

31.12.2010

31.12.2011

30.06.2012

 

1. Net turnover

587,076,827.0

677,011,157.0

374,427,736.0

 

Own work sold

573,978,730.0

658,314,187.0

374,427,736.0

 

Income from the sale of goods

13,098,097.0

18,696,970.0

0.0

 

Income from interests made by leasing

0.0

0.0

0.0

 

Income from grants related to income corresponding to net turnover

0.0

0.0

0.0

 

-------Balance account C

0.0

0.0

0.0

 

Balance account D

143,080,471.0

216,457,695.0

122,384,142.0

 

3. Production made by the entity for its own purposes and capitalized

0.0

0.0

0.0

 

4. Other operating income

143,238.0

79,931.0

32,038,823.0

 

OPERATING INCOME - TOTAL

444,139,594.0

460,633,393.0

284,082,417.0

 

5. a) Expenses on raw materials and consumables

124,324,560.0

138,551,825.0

63,453,876.0

 

Other expenses supplies and materials

28,269,716.0

32,271,844.0

17,155,474.0

 

b) Other outsourced expenses (electricity and water)

6,196,166.0

7,519,899.0

4,168,963.0

 

c) Expenses on goods

10,451,379.0

13,925,903.0

0.0

 

6. Expenses on personnel, of which:

51,372,550.0

57,367,785.0

31,218,292.0

 

a) Salaries and benefits

40,405,382.0

45,009,361.0

24,349,133.0

 

b) Insurance and social security costs

10,967,168.0

12,358,424.0

6,869,159.0

 

7. a) Adjustments of the value of tangible and intangible fixed assets

32,867,666.0

37,835,204.0

16,836,770.0

 

a.1) Expenses

34,097,799.0

37,835,204.0

16,836,770.0

 

a.2) Income

1,230,133.0

0.0

0.0

 

b) Adjustments of the value of current assets

229,566.0

2,638,933.0

0.0

 

b.1) Expenses

836,988.0

2,638,933.0

0.0

 

b.2) Income

607,422.0

0.0

0.0

 

8. Other operating costs

74,422,868.0

92,141,234.0

59,825,660.0

 

8.1. Expenses on third party services

66,408,979.0

86,742,806.0

44,202,055.0

 

8.2. Expenses on other taxes, duties and similar charges

2,161,552.0

1,659,691.0

873,112.0

 

8.3. Expenses on compensations, donations and assigned assets

5,852,337.0

3,738,737.0

14,750,493.0

 

Expenses with refinancing interest rates of leasing entities

0.0

0.0

0.0

 

Adjustments of provisions

-106,100.0

542,623.0

-555,544.0

 

Expenses

0.0

542,623.0

0.0

 

income

106,100.0

0.0

555,544.0

 

OPERATING EXPENSES - TOTAL

328,028,371.0

382,795,250.0

192,103,491.0

 

 - Profit

116,111,223.0

77,838,143.0

91,978,926.0

 

 - Loss

0.0

0.0

0.0

 

9. Income from participating interests, of which:

0.0

0.0

0.0

 

income obtained from subsidiaries

0.0

0.0

0.0

 

10. Income from other financial investments and loans which are part of intangible fixed assets (acc. 763), of which:

0.0

0.0

0.0

 

income obtained from subsidiaries

0.0

0.0

0.0

 

11. Income from interest rates, of which:

95,065.0

124,059.0

138,859.0

 

income obtained from subsidiaries

0.0

0.0

0.0

 

Other financial income

141,631,942.0

115,186,137.0

0.0

 

FINANCIAL INCOME - TOTAL

141,727,007.0

115,310,196.0

138,859.0

 

12. Value adjustments in respect of capital assets and investments as current assets

0.0

0.0

0.0

 

Expenses

0.0

0.0

0.0

 

income

0.0

0.0

0.0

 

13. Interest expenses

9,942,016.0

8,761,703.0

4,714,449.0

 

of which, expenses in respect of subsidiaries

9,942,016.0

0.0

0.0

 

Other financial expenses

165,797,822.0

120,269,390.0

4,113,050.0

 

FINANCIAL EXPENSES - TOTAL

175,739,838.0

129,031,093.0

8,827,499.0

 

 - Financial profit

0.0

0.0

0.0

 

 - Financial loss

34,012,831.0

13,720,897.0

8,688,640.0

 

 - Current profit

82,098,392.0

64,117,246.0

83,290,286.0

 

 - Current loss

0.0

0.0

0.0

 

15. Extraordinary income

0.0

0.0

0.0

 

16. Extraordinary expenses

0.0

0.0

0.0

 

 - Extraordinary profit

0.0

0.0

0.0

 

 - Extraordinary loss

0.0

0.0

0.0

 

TOTAL INCOME

585,866,601.0

575,943,589.0

284,221,276.0

 

TOTAL EXPENSES

503,768,209.0

511,826,343.0

200,930,990.0

 

 - Gross profit

82,098,392.0

64,117,246.0

83,290,286.0

 

 - Gross loss

0.0

0.0

0.0

 

18. Income tax

8,456,234.0

12,263,816.0

14,976,598.0

 

19. Other taxes which are not recorded above

0.0

0.0

0.0

 

 - Net profit

73,642,158.0

51,853,430.0

68,313,688.0

 

 - Net loss

0.0

0.0

0.0

 

Net result

73,642,158.0

51,853,430.0

68,313,688.0

 

Additional information

Figures in RON per

31.12.2010

31.12.2011

30.06.2012

 

Outstanding payments-total, of which: - TOTAL

1,895,346.0

1,318,658.0

0.0

 

Accounts payable outstanding- total, of which: - TOTAL

1,895,346.0

1,318,658.0

0.0

 

over 30 days - TOTAL

1,839,783.0

N/A

0.0

 

over 90 days - TOTAL

55,563.0

N/A

0.0

 

over 1 year - TOTAL

0.0

N/A

0.0

 

Outstanding payments to social security- total, of which: - TOTAL

0.0

0.0

0.0

 

contributions to social security payable by employers, employees and other assimilated entities - TOTAL

0.0

0.0

0.0

 

contributions to the social health insurance fund - TOTAL

0.0

0.0

0.0

 

contribution to the additional state pension system - TOTAL

0.0

0.0

0.0

 

contributions to the unemployment fund - TOTAL

0.0

0.0

0.0

 

other social liabilities - TOTAL

0.0

0.0

0.0

 

Payments due to special funds and other funds - TOTAL

0.0

0.0

0.0

 

Payments due to other creditors - TOTAL

0.0

0.0

0.0

 

Taxes and fees unpaid to the public budget on the date due - TOTAL

0.0

0.0

0.0

 

Taxes and fees unpaid to the local budget on the date due - TOTAL

0.0

0.0

0.0

 

Bank credits which were not reimbursed on the date due - total, of which: - TOTAL

0.0

0.0

0.0

 

 back payments after 30 days - TOTAL

0.0

N/A

0.0

 

back payments after 90 days - TOTAL

0.0

N/A

0.0

 

back payments after 1 year - TOTAL

0.0

N/A

0.0

 

Past due interest - TOTAL

0.0

0.0

0.0

 

Average number of employees

813

845

859

 

Specific tangible fixed assets

Figures in RON per

31.12.2010

31.12.2011

30.06.2012

 

Lands

17,897,111.0

17,897,111.0

N/A

 

Buildings

106,640,683.0

107,126,352.0

N/A

 

Technical installations and machines

265,119,988.0

273,943,071.0

N/A

 

 

 

Banks

RBS BANK (ROMANIA) SA, Ploiesti

Banca Comerciala Romana, Campina

 

 

 

The subject is registered in the Electronic Archive for Secured Transactions, as having credits at:

RBS BANK (ROMANIA) SA,   Ploiesti     

These credits are guaranteed with cash-flow

 

 

Payment behavior

As far as known, prompt (29)

 

 

 

According to the information registered at the Ministry of Finance, the company has no overdue debts to the State budget as of 31.12.2012.

 

There are no related to the subject at the Payment Incidents Bureau (CIP) in the period 15.02.2006 - 15.02.2013.

 

 

 

There are no related to the subject company at the Insolvency Proceedings Bulletin.

There are no records related to the subject company in our debt collection department.

 

 

Solvency

Business connections are permissible (21)

Max. credit: EUR 1.500.000,00

 

 

 

Financial analysis - 2011

* Liquidity ratios

   -current ratio:                                                     1,18  satisfactory

   -quick ratio:                                                          0,79  medium

* Solvency ratios

   -leverage ratio:                                                   1,14  very good

   -long and medium term debts' ratio:               0,01  very good

* Profitability ratios

   -financial profitability:                                       16,26% medium

   -gross profit margin's ratio:                              9,47% medium

   -return on assets (economic profitability):      7,57% medium

* Activity ratios

   -turnover of assets:                                           0,99

   -average debt cashing period:                          150,77  days

By providing a credit rating index we define the risk of establishing business contacts. The credit rating index may vary from 100 to 600 points as follows:

0         new company or no official

          or other information available

100-150   very good

151-220   good

221-320   average

321-399   strained

400-500   weak

501-600   insufficient

 

Exchange rate

Per 30.06.2012

USD 1,-- = RON 3.3851

EUR 1,-- = RON 4.3888

Per 31.12.2011

USD 1,-- = RON 3.0486

EUR 1,-- = RON 4.2379

Per 31.12.2010

USD 1,-- = RON 3.1779

EUR 1,-- = RON 4.2099

Per 31.12.2009

USD 1,-- = RON 3.0493

EUR 1,-- = RON 4.2373

Per 31.12.2008

USD 1,-- = RON 2.5189

EUR 1,-- = RON 3.6827

Per 31.12.2007

USD 1,-- = RON 2.4383

EUR 1,-- = RON 3.3373

 

 

About

This report belongs only to the addressee.

The report contains commercial and financial information obtained from official sources and from the subject. Any responsibility for the above-mentioned information or for the minor mistakes that may arise in this report is declined.The addressee may process and use the information only for the purpose this report was ordered and must comply with the above-mentioned conditions.

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.53.99

UK Pound

1

Rs.83.72

Euro

1

Rs.72.08

 

 

INFORMATION DETAILS

 

Report Prepared by :

PRL

 

 

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.