MIRA INFORM REPORT

 

 

Report Date :

18.09.2013

 

IDENTIFICATION DETAILS

 

Name :

KOREA AGRO-FISHERIES & FOOD TRADE CORPORATION

 

 

Formerly Known As :

KOREA AGRO-FISHERIES TRADE CORPORATION

 

 

Registered Office :

232, Yangjae-dong, Seocho-gu, Seoul, Korea, AT Center, Zip Code 137-130

 

 

Country :

South Korea

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

16.01.1980

 

 

Com. Reg. No.:

106-82-00944

 

 

Legal Form :

Corporation established by the government

 

 

Line of Business :

Subject is  engaged in Agricultural & Fishery Products, Administration of Agricultural, Forestry, Fishing and Hunting Affairs

 

 

No. of Employees :

570

 

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

 

Company Name

KOREA AGRO-FISHERIES & FOOD TRADE CORPORATION

(Trade Name : AT)

 

(Ex. Company Name : KOREA AGRO-FISHERIES TRADE CORPORATION, “농수산물유통공사”)

 

(Korean Company Name : “농수산식품유통공사”)

Registered Address

232, Yangjae-dong, Seocho-gu, Seoul, Korea

Building

AT Center

Zip Code

137-130

Tel

+82-2-6300-1114

Fax

+82-2-6300-1608

E-mail

outreach@kati.net ; yihjoo@kati.net

Website

www.at.or.kr

Trading Address

AT Center, 232, Yangjae-dong, Seocho-gu, Seoul, Korea (P.O.BOX 3212)

(New Address System : 27, Gangnam-daero, Seocho-gu, Seoul, Korea)

Tel

+82-2-6300-1114

Fax

+82-2-6300-1608

Other Address-Agricultural Marketing Training Institute

148-1, Dangsu-dong, Kweunsun-gu, Suwon, Gyeonggi, Korea

Tel

+82-31-4003512

Other Address-Gyeonggi Branch

13-6, Noryangjin-dong, Dongjak-gu, Seoul, Korea

Tel

+82-2-813-9340

Other Address-Incheon Branch

7-241, Shinheung-dong, Joong-gu, Incheon, Korea

Tel

+82-32-888-6161

Other Address-Gangwon Branch

370-7 Okcheon-dong, Gangrung, Gangwon-do, Korea

Tel

+82-33-647-0061

Other Address-Chungnam Branch

942, Dunsan-dong, So-gu, Daejeon, Korea

Tel

+82-42-488-8542

Other Address-Chungbuk Branch

211-5, Songjeong-dong, Heungdeok-gu, Cheongju-si, Chungcheongbuk-do, Korea

Tel

+82-43-273-4556

Fax

+82-43-266-2458

Other Address-Jeonnam Branch

1607-1, Woosan-dong, Gwangsan-gu, Gwangju, Korea

Tel

+82-62-944-2621

Other Address-Jeonbuk Branch

249-10, Palbok-dong, Deokjin-gu, Cheonju, Jeonbuk, Korea

Tel

+82-63-211-6178

Other Address-Gyungbuk Branch

126-4, Shincheon-dong, Dong-gu, Daegu, Korea

Tel

+82-63-741-5220

Other Address-Gyungnam Branch

815, Munhyun-dong, Nam-gu, Busan, Korea

Tel

+82-51-632-1282

Other Address-Jeju Branch

977-1, Nohyong-dong, Jeju, Korea

Tel

+82-64-746-9472

Type

Export/Import

Industry

Administration of Agricultural, Forestry, Fishing and Hunting Affairs

  Main Business

Agricultural & Fishery Products, Administration of Agricultural, Forestry, Fishing and Hunting Affairs

Established (mm/dd/yyyy)

01/16/1980

 

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Public administration(93151500)

-Public Administration Services Agricultural and fishery products price stabilization support services

Sell

Trade shows and exhibits(80141900)

Sell

Aid financing(84101600)

Sell

National food intervention policy or programs(85151704)

Sell

Commodity policy or projections services(80151501)

Sell

Distribution(80141700)

Sell

Development assistance(84101500)

Sell

Commercial sector manpower development(86101804)

Sell

World wide web WWW site operation host services(81112105)

 

 

CEO’s

 

Name

Kim Jae-Soo

Address

Suite 307-102, 726, Seongbok-dong, Suji-gu, Yongin-si, Gyeonggi-do, Korea

Date of Birth

02/20/1957

Title

President

Sex

Male

Nationality

Korean

 

 

Profiles

 

Capital (KRW)

130,440,000,000

Employees

570

Formation

Corporation established by the government

Bank Details

The National Agricultural Cooperative Federation (Nonghyup Bank)-aT Center Branch

Korea Exchange Bank

Corporate Registered No.

114271-0001826

Business Registered No.

106-82-00944

Permit & Licenses

Int’l Trade No.: 871002

Shareholder Position

The Ministry of Finance & Economy(The Republic of Korea) has 100% shares.

Company History

11/30/1967:Founded as Agriculture & Fishery Development Corporation (AFDC) according to the “Law of Agriculture & Fishery Development Corporation”

08/1978:Implemented Price Stabilization Program

01/16/1980: Incorporated as the present name

03/1984:Initiated Marketing Promotion Program

04/1985:Established Training Institute for Agricultural Marketing

12/31/1986:Reborn as Agricultural and Fishery Marketing Corporation (AFMC) for the Settlement of Marketing & Promotional Functions

06/1991:Opened Flower Marketing Center

01/1992:Expanded Export Promotion Program

10/2002:Opened Agro-Trade & Exhibition Center, Seoul and moved to the present address

05/2005:Company name changed to Korea Agro-Fisheries Trade Corporation(aT)

02/25/2011 Increased capital to 86,200,000,000 KRW from 66,200,000,000 KRW

01/26/2012 Changed company name to the present name

03/31/2012 Increased capital to 108,320,000,000 KRW from 86,200,000,000 KRW

06/30/2012 Increased capital to 130,440,000,000 KRW from 108,320,000,000 KRW

 

 

 

 

Management

 

Job Description

Title

Name

Sex

Nationality

Date of Birth

President

Mr.

Kim Jae-Soo

Male

Korean

10/24/2011

Director

Mr.

Kang Kyung-Koo

Male

Korean

09/30/2010

Director

Mr.

Baik Hyun-Ki

Male

Korean

09/30/2010

Director

Mr.

Cho Pyung-Hee

Male

Korean

01/12/2011

Director

Mr.

Park Jong-Seo

Male

Korean

03/15/2011

Director

Mr.

Kim Yang-Hwan

Male

Korean

08/24/2011

Director

Mr.

Hur Hoon-Moo

Male

Korean

12/08/2011

Director

Mr.

Yoon Jung-In

Male

Korean

09/12/2012

Director

M/S.

Jang Jung-Ok

Female

Korean

10/09/2012

Director

Mr.

Jung Jong-Soo

Male

Korean

10/09/2012

Director

Mr.

Moon Jin-Young

Male

Korean

11/02/2012

Director

Mr.

Kang Sang-Jo

Male

Korean

01/12/2013

Auditor

Mr.

Lee Kook-Hee

Male

Korean

05/20/2011

 

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

2012

234,933,284,251

1,296,845,991,159

12,382,749,512

2011

220,779,776,245

1,168,803,059,362

11,195,408,437

2010

217,700,902,183

1,055,032,399,256

10,259,456,674

2009

190,037,253,406

1,000,646,528,868

5,115,849,961

2008

158,863,677,483

909,595,008,406

8,595,614,573

2007

239,421,402,739

865,089,245,149

5,612,702,268

2006

139,257,975,630

893,802,764,371

4,963,820,829

2005

230,179,988,391

845,018,486,995

2,040,501,551

2004

200,182,813,925

875,117,428,640

2,023,936,612

 

 

Financial Description

 

Authorized Capital(KRW)

300,000,000,000

Paid-Up Capital(KRW)

130,440,000,000

Total Issued Shares

Not Applicable to the entity

 

 

Balance Sheet

 

Unit : Korean Won

As of 12/31/2012

As of 12/31/2011

As of 12/31/2010

Total Assets

1,296,845,991,159

1,168,803,059,362

1,055,032,399,256

Current Assets

796,355,865,003

771,711,091,656

732,608,380,337

-Quick Assets

794,715,950,003

770,343,541,656

732,198,500,337

-Inventories

1,639,915,000

1,367,550,000

409,880,000

Fixed Assets

500,490,126,156

397,091,967,706

322,424,018,919

-Investment

379,457,615,730

293,495,019,975

228,020,607,901

-Tangibles

116,482,851,343

99,938,286,926

94,403,411,018

-Intangibles

4,549,659,083

3,658,660,805

-

Total Liabilities

1,068,885,549,245

994,317,051,341

911,073,769,182

Current Liabilities

662,631,513,351

675,192,238,181

653,244,562,472

Fixed Liabilities

406,254,035,894

319,124,813,160

257,829,206,710

Capital Stock

130,440,000,000

86,200,000,000

66,200,000,000

Capital Surplus

168,490,176

168,490,176

168,490,176

Profit Surplus

97,796,570,607

88,081,585,835

77,912,125,138

Others

-444,618,869)

35,932,010

-321,985,240)

Total Equity

227,960,441,914

174,486,008,021

143,958,630,074

Liab. & Shareholder’s Equity

1,296,845,991,159

1,168,803,059,362

1,055,032,399,256

 

Current Liabilities

662,631,513,351

675,192,238,181

653,244,562,472

Short-Term Borrowings

566,215,775,100

588,359,518,960

579,574,387,730

Account Payables

33,647,574,634

28,539,744,338

26,948,084,902

Advance Receipts

710,190,771

910,328,420

587,806,660

Withholdings

5,086,072,431

5,522,560,589

5,709,273,956

Accrued Expenses

5,196,474,224

4,624,604,766

4,356,166,055

Accrued Income Tax

3,014,781,411

2,014,949,120

1,671,098,677

Unearned Income

74,509,000

81,737,510

28,011,073

Current Portion of Long-Term Debts

48,175,857,141

44,536,748,595

33,151,865,720

Other Current Liabilities

510,278,639

602,045,883

1,217,867,699

Fixed Liabilities

406,254,035,894

319,124,813,160

257,829,206,710

Long-Term Borrowings

387,781,604,419

301,483,269,856

240,246,228,280

Provision for Severance & Retirement

35,097,663,492

31,259,250,352

27,019,856,302

Leasehold Deposit Received

18,438,991,407

17,538,507,984

17,571,535,775

 

 

Income Statement

 

Unit : Korean Won

As of 12/31/2012

As of 12/31/2011

As of 12/31/2010

Sales

234,933,284,251

220,779,776,245

217,700,902,183

Cost of Sold Goods

210,430,090,997

198,405,919,736

197,018,649,539

Gross Profit

24,503,193,254

22,373,856,509

20,682,252,644

Selling & Admin. Expenses

14,764,039,541

13,396,936,118

12,149,914,906

Operating Income

9,739,153,713

8,976,920,391

8,532,337,738

Non-Operating Income

8,487,167,987

6,925,634,916

5,663,149,631

Non-Operating Expenses

1,004,808,649

905,420,988

801,790,769

Income Before Taxes

17,221,513,051

14,997,134,319

13,393,696,600

Income Taxes Expenses

4,838,763,539

3,801,725,882

3,134,239,926

Net Income

12,382,749,512

11,195,408,437

10,259,456,674

 

 

Cash Flows

 

Unit : Korean Won

As of 12/31/2012

As of 12/31/2011

As of 12/31/2010

Cash Flows from Operating

18,645,205,007

6,807,046,917

15,559,296,134

-Net Income

12,382,749,512

11,195,408,437

10,259,456,674

-Exp. without Cash Outflow

11,128,917,836

9,773,965,767

10,864,594,340

-Revenue without Cash Inflows

-33,427,864

-11,340,386

-167,532

-Changes in Asset/ & Liability

-4,833,034,477

-14,150,986,901

-5,564,587,348

Cash Flows from Investing

- 114,698,106,978

-122,263,897,748

-32,965,658,347

-Cash Inflow from Investing

730,993,921,932

658,544,604,036

65,485,543,550

-Cash Outflows for Investing

- 845,692,028,910

-780,808,501,784

-98,451,201,897

Cash Flows from Financing

110,477,530,649

100,381,107,941

31,968,948,390

-Cash Inflows from Financing

765,190,000,000

743,231,000,000

674,051,000,000

-Cash Outflows from Financing

- 654,712,469,351

-642,849,892,059

-642,082,051,610

Increase/Decrease in Cash

14,424,628,678

-15,075,742,890

14,562,586,177

Cash at the Beginning of Year

95,761,067,927

110,836,810,817

96,274,224,640

Cash at the End of Year

110,185,696,605

95,761,067,927

110,836,810,817

 

Products, Technologies, Services Description

 

Main Products & Services

aT(Korea Agro-Fisheries Trade Corp.) is a wholly government-invested enterprise responsible for agricultural marketing services and international trade.

 

aT provides publicly-profitable support services in agricultural marketing sector. The Subject has performed its own export sales as well as undertaking export agent functions for a large number of small and medium size agro-processors.

Main Products & Services

-Price Stabilization

Financial Support

Method : Provision of raw material procurement loans

Beneficiaries : Companies in the private agro-processing industry who purchase, store, and

process designated items

 

Direct Procurement

Items : Red pepper, garlic, onion, seaweed, anchovies, and other staples

Method : Disbursement of the agricultural product price stabilization fund during peak harvest seasons

 

Storage

Facilities : 20 aT warehouses located in Seoul, Busan, Daegu, Gwangju, Jeonju, Incheon, Daejon, and I-Cheon

Capacity : 60,000 M/T per shift

 

Release

Methods : Auction, direct sale, and wholesale market distribution

Period : When prices are rising in the off season

Beneficiaries : Wholesalers, retailers, and bulk consumers

 

Import

Items : Products with poor harvests or weak domestic production bases (e.g., sesame seed, red bean, soybean) and MMA/CMA imports such as red pepper, garlic, and onion

Period : Year-round, according to each item's domestic market situation

 

-Foreign Trade Promotion

Operation of Overseas Agri-Trade Center

Locations : Japan (Tokyo, Osaka), Netherlands (Rotterdam), U.S.A. (New York, LA), Russia (Moscow), Singapore, and China (Beijing, Shanghai)

Roles : Collection of agricultural & fishery trade information, promotion of sales, and public relations development in overseas markets

Methods : Participating in major international exhibitions, improving packaging design, operating Korean traditional food exhibitions and temporary overseas exhibitions, advertising in popular   foreign food magazines, and installing export public relation towers in important partner trading countries

Effects : Developing overseas markets and improving the image of Korean agricultural & fishery products

 

Development of Marketable Item

Method : Testing Korean foods in overseas markets and modifying their taste and quality to meet consumer preferences

Items : Competitive export products such as fruits (apples, pears), vegetables (egg plants, cucumbers), flowers (lilies, roses), and processed foods (kimchi, ginseng-chicken soup)

 

Collection & Dissemination of Trade Information

Data collected : Domestic and overseas production levels, prices, and import/export market situations for each prospective foreign trade item

Publishing Methods : Korea Agricultural Trade Information (KATI) network

Korea Agriculture and Food Monthly Magazine

 

Operation of Agro-Trade & Exhibition Center

Location : Yang Jae-dong (Seoul)

Function : Promotion of foreign trade in the agro-fishery industry

Launch Year : 2001

Major Facilities : Exhibition halls, Conference rooms, Agro-Trade information center, Agro-Trade office building, Export Publicity Pavilion

Main Products & Services

-Marketing Support

Wholesale Market Guidance & Support

Financial Assistance : Wholesale market construction loans, advanced payment loans, and shipping promotion loans

Market Support : Farm products collection and distribution activities (in respect of fair trading practices)

Auctioneer Management : Education and qualifying examinations for auctioneers

 

Personnel Training

Training Organization : Agricultural Marketing Training Institute (Est. 1985)

Trainees : Government officials, auctioneers, jobbers, and marketing personnel in the field of production

 

Collection & Dissemination of market Information

Scope of Enumeration: Cultivation areas, crop situations, supply levels, and shipping trends of 20 major agricultural and fishery products

Distribution channels and wholesale/retail prices of 70 selected items

 

Standardization of Physical Distribution

Standardized Practices : Transportation, storage, loading, unloading, packaging, and marketing

 

Flower Marketing Center

Location : Yang Jae-dong (Seoul)

Functions : Providing flower marketing loans and price information, holding flower fairs and exhibitions, ensuring the fair trade of flowers by competitive auction and improvement of the marketing system, and providing an export base for prospective items such as lilies and roses

Main Facilities : Auction hall, jobber shops, cut flower sales space, green houses, and ornamental gardens

 

-Food Industry Support

Supporting Food Processing Companies in Rural Industrial Complex

Selection of Qualified Firms : Based on business feasibility of food processing companies who apply to set up plants in rural industrial complexes

Supporting Methods : Provision of facility investment loans, business management and technology information services, and sales promotion

 

Development of Food processing Companies in Production Areas

Selection of Qualified Firms : Based on business feasibility of applicants

Supporting Methods : Provision of financial support, managerial guidance, sales promotion, personnel training, information services, and operation of consultation councils

 

 

Trade Partners & Competitors

 

Competitors

NATIONAL AGRICULTURAL COOPERATIVE FEDERATION

75, CHUNGJEONGNO 1-GA, JUNG-GU, SEOUL, KOREA

TEL:+82-2-2080-5114  FAX:+82-2-2080-6016

 

KOREA AGRICULTURAL COOPERATIVE MARKETING, INC.

NONGHYUP HANARO CLUB, 230, YANGJAE 2-DONG, SEOCHO-GU, SEOUL, KOREA

TEL:+82-2-3498-1000  FAX:+82-2-3498-1210

 

 

Related Parties

(Subsidiaries, Joint-Venture & Affiliates)

 

Overseas Office

KOREA AGRO-TRADE CENTER, ROTTERDAM

VARESEWEG 1, 3047 AT ROTTERDAM, THE NETHERLANDS

TEL : 001-31-10-415-1091

 

KOREA AGRO-TRADE CENTER, NEW YORK

107 NORTHERN BLVD. SUITE 405 GREAT NECK, NY 11021, USA

TEL : 001-1-516-829-1633

 

KOREA AGRO-TRADE CENTER, SINGAPORE

101 CECIL ST., #22-10,11,12 TONG ENG B/D SINGAPORE 069533

TEL : 001-65-324-0402

 

KOREA AGRO-TRADE CENTER, BEIJING

BEIJING SILVER TOWER ROOM 1506, #2, NORTH DONGSANHUAN RD, BEIJING, 100027, CHINA

TEL : 001-86-10-6410-6120

 

KOREA AGRO-TRADE CENTER, SHANGHAI

ROOM 3112, NEW TOWN CENTER NO.83, #2, LOU SHAN GUAN RD., CHANGNING DISTRICT, SHANGHAI, 200336, CHINA TEL : 86-21-6236-8341-2

 

KOREA AGRO-TRADE CENTER, TOKYO

5F, DAVINCI SHINJUKU GYOEN, 1-5-1, SHINJUKU, SHINJUKU-KU, TOKYO, 160-0022, JAPAN

TEL : 001-81-3-5367-6656

 

KOREA AGRO-TRADE CENTER, OSAKA

6F, NOMURA FUDOUSAN OSAKA BLDG. 1-8-15, AZUCHIMACHI, CHUOU-KU, OSAKA, JAPAN

TEL : 001-81-6-6260-7661

 

KOREA AGRO-TRADE CENTER, L.A.

HUNTINGTON PLAZA, 5762 BOLSA AVE. #101 HUNTINGTON BEACH CA 92649, USA

TEL : 001-1-714-901-7717

 

KOREA AGRO-TRADE CENTER, MOSCOW

KRASNOPRESNENSKAYA NAB., 12, ENT.B, #1002, MOSCOW, RUSSIA, 123610

TEL : 7-095-258-1397

Subsidiary

KOREA AGRO-TRADE CENTER, SINGAPORE

KOREA AGRO-TRADE CENTER, ROTTERDAM

Cooperative Enterprise

-Insured Company

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

GREEN NON-LIFE INSURANCE CO., LTD(110111-0007082)

 

 

Sales by Region

(Activity & Markets)

 

The Subject deals with the companies in China, Taiwan, France, Hong Kong, Japan and USA.

 

 

Court Action

 

Not Available.

 

 

News Clipping

 

---


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.38

UK Pound

1

Rs.100.86

Euro

1

Rs.84.59

 

INFORMATION DETAILS

 

Report Prepared by :

MNL

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

----

NB

New Business

----

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                 Payment record (10%)

Credit history (10%)                    Market trend (10%)                                Operational size (10%)

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.