Rural Metro Coproration: modeFinance Credit Report

Page 1

Monday, 19 August 2013

RURAL/METRO CORPORATION

MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Company name

RURAL/METRO CORPORATION

Identification number If you want to know more, ASKMORE modeFinance’s credit report.

TM

Almost every day millions of people around the world are wondering the real creditworthiness of the companies with which they are in business. Every day these questions remain unanswered. modeFinance now aims to answer these questions in a simple, complete and immediate way. TM

TM

TM

United States of America

ZIP code and city

85258 - SCOTTSDALE

Address

9221, EAST VIA DE VENTURA +1 8003522309 www.ruralmetro.com feedback@ruralmetro.com

Legal form Account

Consolidated

Incorporation date

1948

NACE 2 Sector

4939 - Other passenger land transport nec

TM

ASKMORE is the modeFinance product which gives the chance to evaluate the credit risk for every company from all around the world.

ASKMORE

Country

Listed Status

Active

MORE Credit limit

Not assessable on the base of the available informations

Black records

Available on request

plans 3 types of reports:

30/06/2010

30/06/2009

30/06/2008

432,527

347,955

301,865

D

D

D

35.00%

35.00%

35.00%

100.00%

100.00%

100.00%

0%

0%

0%

Leverage ratio

-3.85

-3.81

-3.72

Financial Leverage

-2.65

-2.63

-2.57

0.74

0.73

0.73

Current Ratio

1.39

1.64

1.51

Quick Ratio

1.30

1.55

1.42

10.00

14.00

22.00

Return on investement ROI (%)

13.78

15.54

13.94

Return on equity ROE (%)

-3.45

-4.76

-3.77

Asset turnover

1.84

1.67

1.62

Gross Profit/Operating revenue

0.39

0.38

0.38

1.84

1.48

1.28

Turnover (th e) s-peek

Rating

Plus

Basic TM

ASKMORE Basic: This report includes modeFinance ’ s MORE Credit Ratings and MORE Credit Limit to help you in the decision making. It covers all essential information including financial statements of the last three years and descriptive information including trade description and sector analysis. This report type is ideally suited for decisions on transactions with each level of credit risk. TM

Score Probability of default Confidence Level Solvency ratios

Total asset/Total liabilities Liquidity ratios

Cash Cycle Ratio Profitability ratios

Interest Coverage ratios EBIT interest coverage ratio

Analysis and trend of financial strength modeFinance Headquarter Building A - AREA Science Park Padriciano 99 - 34149 Trieste - Italy Ph.: +39 040 375 5337 Fax: +39 040 375 6741 info@modefinance.com TM

key askMORETM is a registered mark of modeFinanceTM

MORE Credit Rating

D not available

non return

C

CC

extremly pathological pathological

CCC

B

BB

BBB

A

AA

AAA

high danger

weak

sufficient

adequate

good

very strong

extremely strong


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Sector Analysis Company

Healthy

Balanced

Vulnerable

Risky

Solvency ratios Leverage ratio

-3.85

0.62

1.58

3.26

2.14

Financial Leverage

-2.65

0.03

0.45

1.03

0.00

Total asset/Total liabilities

0.74

2.61

1.63

1.26

1.01

1.39

1.88

1.14

0.76

0.47

Liquidity ratios Current Ratio Quick Ratio

1.30

1.81

1.08

0.71

0.43

Cash Cycle Ratio

10.00

-1.50

-5.00

-8.00

1.00

Profitability ratios Return on investement ROI (%)

13.78

15.58

5.60

1.04

-10.41

Return on equity ROE (%)

-3.45

19.55

8.98

0.12

-67.43

Asset turnover

1.84

1.72

1.33

1.32

2.02

Gross Profit/Operating revenue

0.39

0.18

0.27

0.16

0.06

1.84

128.30

5.06

0.33

-8.50

Interest Coverage ratios EBIT interest coverage ratio Cash Conversion Cycle (days) Days Sales Of Inventory (DIO)

6

4

4

5

5

Days Sales Outstanding (DSO)

44

39

34

32

41

Days Payable Outstanding (DPO)

9

18

20

24

34

Cash Conversion Cycle (DIO + DSO - DPO)

41

25

20

12

7

-

295

720

547

155

D

A

BB

B

CC

Numer of analyzed companies (Average) Rating

The sector has been chosen according to: international companies in the sector NACE 2 4939 with financial data of year 2010.

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

key

Sector Analysis - Graphs

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741

AA AAA


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

C

D

CC CCC

B

BB BBB

A

AA AAA

key

Balance Sheet BALANCE SHEET (th e)

30/06/2010

30/06/2009

30/06/2008

Accounting practice

Local GAAP

Local GAAP

Local GAAP

0.81493

0.70751

0.63436

12

12

12

Total assets

235,076

208,685

186,635

Fixed assets

134,470

99,073

96,745

Intangible fixed assets

30,350

27,062

24,400

Tangible fixed assets

41,293

34,736

29,775

Other fixed assets

62,828

37,275

42,569

100,606

109,612

89,890

6,520

6,039

5,364

Debtors

51,814

45,532

48,294

Other current assets

42,272

58,041

36,232

16,484

26,254

10,091

-83,811

-75,514

-69,696

205

175

157

Other shareholders funds

-84,016

-75,690

-69,853

Total liabilities

318,887

284,199

256,331

Non current liabilities

246,453

217,512

196,980

Long term debt

214,006

196,059

176,996

32,447

21,453

19,984

Current liabilities

72,434

66,687

59,351

Loans

5,245

141

237

Creditors

10,524

10,530

10,243

Other current liabilities

56,665

56,016

48,871

235,076

208,685

186,635

30/06/2010

30/06/2009

30/06/2008

Exchange rate USD - EUR Number of months

Current assets Stocks

Cash & cash equivalent Shareholders funds Capital

Other non-current liabilities

Total shareh. funds & liab. NET DEBT (th e) Short term debts Long term debt Cash & cash equivalent Net debt

5,245

141

237

214,006

196,059

176,996

16,484

26,254

10,091

202,766

169,946

167,143

30/06/2010

30/06/2009

30/06/2008

Working capital

47,810

41,041

43,415

Net Current Assets

28,172

42,925

30,539

30/06/2010

30/06/2009

30/06/2008

Days Sales Of Inventory (DIO)

6

6

6

Days Sales Outstanding (DSO)

44

48

58

9

11

12

41

43

52

Days Payable Outstanding (DPO) Cash Conversion Cycle (DIO + DSO - DPO)

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

C

D

CC CCC

B

BB BBB

A

AA AAA

key

Income Statement INCOME STATEMENT (th e)

30/06/2010

30/06/2009

30/06/2008

Accounting practice

Local GAAP

Local GAAP

Local GAAP

0.81493

0.70751

0.63436

12

12

12

Exchange rate USD - EUR Number of months Sales

432,527

347,955

301,865

24

15

-

0

0

0

Operating revenue / turnover

432,527

347,955

301,865

Total operating costs

388,790

315,751

276,088

Costs growth (%)

23

14

-

Service costs

-

-

-

Material costs

-

-

-

Costs of employees

-

-

-

EBITDA

57,726

42,292

33,646

Depreciation

13,989

10,088

7,869

EBIT

43,737

32,204

25,777

-35,054

-21,593

-19,892

192

229

237

35,246

21,822

20,129

23,711

21,822

20,129

8,683

10,611

5,886

-2,243

-1,796

-301

Extr. and other revenue

-

-

-

Extr. and other expenses

-

-

-

P/L before tax + Extr. and other P/L

6,440

8,815

5,584

Taxation

3,582

5,259

2,985

P/L for period

2,859

3,556

2,599

Revenues growth (%) Other revenues +/- variation in inventories and contract in progress + Fixed assets own construction capitalized

Financial P/L Financial revenue Financial expenses Interest paid P/L before tax Extr. and other P/L

30/06/2010

30/06/2009

30/06/2008

Costs of Good Sold

264,647

215,984

186,588

Gross Profit

167,880

131,972

115,277

Other Operating Expenses

124,143

99,768

89,500

30/06/2010

30/06/2009

30/06/2008

16,848

13,644

10,468

-

-

-

Cash flow Added value

30/06/2010 Number of employees

8,152

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

30/06/2009 7,922

30/06/2008 7,869

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

key

Evolutions and trends

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741

AA AAA


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Qualitative information Full overview

This company is engaged in the provision of ambulance and emergency services. The company was founded in 1948, and it has its headquarters located in Scottsdale, state of Arizona in the United States. The company is a leading provider of emergency and non - emergency medical transportation services, fire protection and other safety - related services to municipal, residential, commercial, and residential customers in approximately 440 communities. Its services include: 911 Emergency Ambulance (EMT and Paramedic Training, Water Safety Programs, Fire Prevention Programs, Injury Prevention Programs, Smoke Detector Programs, CPR Training and Flu Shots in select locations); Interfacility Ambulance (Basic Life Support, Advanced Life Support, Neonatal Transportation, Critical Care Transportation and Wheelchair Transportation); Special Event Ambulance (State Fairs, Concerts, Block Parties, Marathons, Golf Tournaments and Cycling Events); Community Fire Protection (Fire Prevention, Fire Suppression, Emergency Medical Services, Fire Inspection Services and Community Health and Safety Programs); Industrial Fire Protection (Airport Rescue and Firefighting, Industry - Specific Fire Protection, On - Site Emergency Medical Response, On - Site Medical Services and Security Services); Wildland Fire Protection (Hotshot Crews, Hand Crews, Multi - Agency Command Systems and Specialized Apparatus and Equipment); and Other Services (Up to three wireless alarm pendants can be programmed into each unit, Waterproof pendant that can be worn in the bath or shower, Inactivity alarm and Optional wireless door indicator).

History

Not available.

Primary business line

Engaged in the provision of ambulance and emergency services.

Secondary business line

Not available.

Main activity

Services.

Secondary activity

Not available.

Main products and services

911 Emergency Ambulance (EMT and Paramedic Training, Water Safety Programs, Fire Prevention Programs, Injury Prevention Programs, Smoke Detector Programs, CPR Training and Flu Shots in select locations); Interfacility Ambulance (Basic Life Support, Advanced Life Support, Neonatal Transportation, Critical Care Transportation and Wheelchair Transportation); Special Event Ambulance (State Fairs, Concerts, Block Parties, Marathons, Golf Tournaments and Cycling Events); Community Fire Protection (Fire Prevention, Fire Suppression, Emergency Medical Services, Fire Inspection Services and Community Health and Safety Programs); Industrial Fire Protection (Airport Rescue and Firefighting, Industry - Specific Fire Protection, On - Site Emergency Medical Response, On - Site Medical Services and Security Services); Wildland Fire Protection (Hotshot Crews, Hand Crews, Multi - Agency Command Systems and Specialized Apparatus and Equipment); and Other Services (Up to three wireless alarm pendants can be programmed into each unit, Waterproof pendant that can be worn in the bath or shower, Inactivity alarm and Optional wireless door indicator).

Size estimate

A leading provider of emergency and non - emergency medical transportation services, fire protection and other safety - related services to municipal, residential, commercial, and residential customers in approximately 440 communities.

Strategy, organization and policy

Not available.

Strategic alliances

Not available.

Membership of a network

Not available.

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

key

Main brand names

Not available.

Main domestic country

United States of America.

Main foreign countries or regions

Not available.

Main production sites

Not available.

Main distribution sites

Not available.

Main sales representation sites

Not available.

Main customers

Not available.

Black records Available on request.

Auditor/Advisor/Bank name

type

address

PRICEWATERHOUSECOOPERS LLP Computershare Trust Company

Auditor Transfer Agent

-

Board name

date of birth

nationality

function

Mr Conrad A Conrad Mr Eugene I Davis Mr Michael P Dimino Mr Earl P Holland Mr Christopher S Shackelton Mr Henry G Walker

-

-

Chairman of the Board Director President Chief Executive Officer and Director Director Director Director

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741

AA AAA


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Shareholders (the first twenty shareholders ordered by Direct %) Rating:

WP ROCKET HOLDINGS INC. Country ISO code

US

Operating Revenue (MIL $)

NACE Rev. 2, Core code Direct % Total % Address : Not available

MO -

Total Assets (MIL $) Number of Employees Information date

8152 10/2012

Rating:

BB

Country ISO code NACE Rev. 2, Core code Direct %

US -

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees

Total % Address : Not available

-

WARBURG PINCUS LLC

Information date

346.3

1.6 200 06/2013

Subsidiaries (the first twenty subsidiaries ordered by Direct %) Rating:

RURAL/METRO FIRE DEPARTMENT., INC. Country ISO code NACE Rev. 2, Core code

US -

Operating Revenue (MIL $) Total Assets (MIL $)

Direct % Total %

WO

Number of Employees Information date

US MO

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees

Total %

-

Information date

Total %

US MO

Total %

04/2013

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees

-

Information date

0.74 12 04/2013

Rating:

KEEFE & KEEFE INC Country ISO code NACE Rev. 2, Core code Direct %

1.4 50

Rating:

FIRE SERVICE RESEARCH CO OF OREGON Country ISO code NACE Rev. 2, Core code Direct %

870 03/2010

Rating:

EASTERN AMBULANCE SERVICE, INC Country ISO code NACE Rev. 2, Core code Direct %

61.5 -

US MO

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees

-

Information date

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

0.63 15 04/2013

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Rating:

LASALLE AMBULANCE INC Country ISO code NACE Rev. 2, Core code Direct % Total %

US MO -

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

US MO -

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

US MO -

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

US MO -

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

Rating:

METRO CARE CORP. Country ISO code NACE Rev. 2, Core code Direct % Total %

2 60 04/2013

Rating:

RURAL/METRO OF NORTH FLORIDA, INC. Country ISO code NACE Rev. 2, Core code Direct % Total %

84.3 2000 04/2013

Rating:

RURAL METRO OF OREGON, INC. Country ISO code NACE Rev. 2, Core code Direct % Total %

1.9 45 04/2013

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741

0.2 4 01/2013


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

ASKMORE rating guide General vision

A credit rating is an opinion of the general creditworthiness of an obligor (issuer rating), or the creditworthiness of an obligor in respect of a specific debt security, or other financial obligation (issue rating), based on relevant risk factors. The Multi Objective Rating Evaluation (MORE) model is essentially used to assess the level of distress of industrial companies by using data included in financial statements. The basic idea of the model is to analyze a set of financial and economic ratios in a predictive corporate bankruptcy model with the purpose of creating a fundamental credit rating model for each industrial sector. Results of the model are obtained by applying newly developed numerical methodologies, drawing together financial theory, data mining and engineering design methodologies. The heart of MORE is a multi dimensional and multi objective algorithm that produces a classification of each company, by taking into account any attributes (such as sector and country) characterizing a firm. The model gives the opportunity to assign a rating to a company even without considering a complete data analysis and allows to process quality information. It induces a better understanding of a company’s strength and weakness thanks to sophisticated data mining tools and taking into account the analyst knowledge. The MORE rating vision is to look at the fundamental economics of the company. The main idea is to evaluate the rating observing every aspect of the economical and financial behavior of the company: better is the equilibrium between the different aspects, better will be the final rating. This is done studying, evaluating and aggregating the most important sections of the financial and economic behavior of a company such as: profitability, liquidity, solvency, interest coverage and efficiency.

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Rating scale Rating class

Rating macro class

The company’s capacity to meet its financial commitments is extremely strong.

AAA AA

Assessment

Healthy

The company has very strong creditworthiness. The company has a high solvency.

A

Capital structure and economic equilibrium are considered adequate.

BBB Balanced BB

The companyï¿ 21 s performances are adequate considering the sector and the country in which it is operating.

B

The company presents vulnerable signals with regards to its fundamentals. Vulnerable

CCC

The company shows signals of high vulnerability.

CC C D

The company has a dangerous disequilibrium on the capital structure and on its economic and financial fundamentals.

Risky

The company shows considerable pathological situations. The company has not any longer the capacity to meet its financial commitments.

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Fundamental Credit Rating Ratios Analysis area

Ratio

Assessment This measures the level of total liabilities of the company in comparison

Leverage ratio

with equity.

Solvency ratios

Financial ratios

Assets to debt

This indicates company’s solvency. The company shows a level of deficit when the value of this ratio is under one unit.

Fixed Assets coverage ratio

This is calculated only for holdings. It measures the capital structure i.e. whether a company covers the fixed assets with long term capital.

Current ratio

This measures whether a company has sufficient short-term assets to cover its short-term liabilities.

Liquidity ratios This compares current liabilities only to those assets that can be readily

Quick ratio

turned into cash.

Return on Investement(ROI)

This measures the profitability of company investments without regard to the way the investment is financed.

Return on Equity(ROE)

This measures the profitability of the equity.

Asset turnover

This indicates the investments turnover with regards to sales. The level assumed from the ratio depends on the sector in which the company operates.

Profit margin

This indicates the profitability of sales.

Interest Paid coverage

This indicate the ability of the company to cover interest expenses through the economic margins (Gross profit and EBIT) and through the cash flow from operating activities.

Profitability and economic ratios

Interest coverage ratio

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

MORE Credit Limit, Probability of default and Confidence Level MORE Credit Limit

MORE Credit limit is the estimation of the amount of maximum credit that is possible to assign on a commercial relationship with the analyzed company with an outlook of one year. modeFinance used the following values associated with the company analyzed while computing the credit limit:

• Size; • Years in Business; • Average number of suppliers; • Liquidity of the company and the comparison with its sector; • The funds dedicated to be paid to suppliers; • The likelihood that a company may pay its debts in the next 12 months (MORE Ratings).

The credit limit in this report is merely a suggested value of commercial credit limit calculated on the basis of annual public data. This value should be reviewed by paying attention to the Confidence Level value and by using other information such as other business information, news... etc; and private information such as the relationship with client, history of payments, guarantees and the knowledge of the sector.

Probability of default e Confidence Level

In addition to the MORE Rating, modeFinance also estimates the probability of default and provides a level of confidence. The probability of default is the degree of certainty (in quantitative terms) that the company will go into default. As the probability of default is strongly affected by the economic climate that the company is operating in, companies in the same MORE class will not necessarily have the same probability of default. The MORE model can produce a MORE rating even if there is missing data by using an associated confidence level:

Confidence =

P Available Information P Total Information

The level of confidence does not indicate financial confidence in the company. It is a reflection of the variations in availability of financial data across Europe due to filing regulations and suggests the degree of financial detail the MORE rating is able to take into account for each company. For companies with fully populated records a confidence level of 100% would be applied: companies where no financial data is provided, 0%. This puts the MORE rating in a context for the user and aids interpretation.

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


RURAL/METRO CORPORATION

Monday, 19 August 2013 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Notes and disclaimer NOTES

modeFinance has based the present analysis on the company available financial statements, coming from one or more of the following sources: local providers, Commercial Register (Companies House), websites, modeFinance’s database etc.

DISCLAIMER

All Rights Reserved. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior permission of the publisher modeFinance. The facts of this report are believed to be correct at the time of publication but cannot be guaranteed. Please note that the findings, conclusions and recommendations that modeFinance delivers will be based on information gathered in good faith from both primary and secondary sources, whose accuracy we are not always in a position to guarantee. As such modeFinance can accept no liability whatever for actions taken based on any information that may subsequently prove to be incorrect.

Contacts

Info web

modeFinance MORE rating AREA Science Park 34149 Trieste, via Padriciano 99 - ITALY info@modefinance.com www.modefinance.com

Phone

+39 040 3755337

Company Products Where

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


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