UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13D/A
(Rule 13d-101)
Under the Securities Exchange Act of 1934
(Amendment No. 3)
KOOR INDUSTRIES LTD.
(Name of Issuer)
ORDINARY SHARES, PAR VALUE NIS 0.001
(Title of Class of Securities)
500507108(1)
(CUSIP Number)
DISCOUNT INVESTMENT CORPORATION LTD.
THE TRIANGULAR TOWER, 44TH FLOOR
3 AZRIELI CENTER, TEL AVIV 67023
ISRAEL
ATTN: KURT KEREN, ADV.
TELEPHONE #: +972-3-607-5888
(Name, Address and Telephone Number of Person Authorized to Receive
Notices and Communications)
AUGUST 30, 2006
(Date of Event which Requires Filing of this Statement)
If the filing person has previously filed a statement on Schedule 13G to report
the acquisition which is the subject of this Schedule 13D, and is filing this
schedule because of Rule 13d-1(e), 13d-1(f), or 13d-1(g), check the following
box: [_]
* The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter
disclosures provided in a prior cover page.
The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 (the "Act") or otherwise subject to the liabilities of that section of the
Act but shall be subject to all other provisions of the Act (however, see the
Notes).
----------
(1) The CUSIP Number corresponds to the Issuer's American Depository
Shares (individually, an "ADS"), which are publicly traded on the New York Stock
Exchange. Each ADS represents 0.20 Ordinary Share. The ISIN for the Issuer's
Ordinary Shares, which are traded on the Tel Aviv Stock Exchange, is
IL006490127.
Page 1 of 10 pages
SCHEDULE 13D
CUSIP NO. 500507108
--------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Discount Investment Corporation Ltd.
--------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
(a) [X]
(b) [_]
--------------------------------------------------------------------------------
3) SEC USE ONLY
--------------------------------------------------------------------------------
4) SOURCE OF FUNDS
Not applicable
--------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
2(D) OR 2(E) [_]
--------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Israel
--------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES -------------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 5,081,033
EACH -------------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH -------------------------------------------------------------
10) SHARED DISPOSITIVE POWER
5,081,033
--------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
5,081,033
--------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
[_]
--------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
30.8%
--------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON
CO
--------------------------------------------------------------------------------
Page 2 of 10 pages
SCHEDULE 13D
CUSIP NO. 500507108
--------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
IDB Development Corporation Ltd.
--------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
(a) [X]
(b) [_]
--------------------------------------------------------------------------------
3) SEC USE ONLY
--------------------------------------------------------------------------------
4) SOURCE OF FUNDS
Not applicable
--------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
2(D) OR 2(E) [_]
--------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Israel
--------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES -------------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 6,712,047 *
EACH -------------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH -------------------------------------------------------------
10) SHARED DISPOSITIVE POWER
6,712,047 *
--------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
6,712,047 *
--------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
[X]o
--------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
40.7%
--------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON
CO
--------------------------------------------------------------------------------
----------
* Includes (i) 5,081,033 Ordinary Shares held by DIC and (ii) 800 Ordinary
Shares held by a subsidiary of Clal Insurance Enterprises Holdings Ltd.
("CIEH"), a subsidiary of IDB Development, for its own account. Does not include
(i) 565,517 Ordinary Shares and (ii) options to purchase 126,616 Ordinary
Shares, which are exercisable within 60 days of August 30, 2006, all of which
are held for members of the public through, among others, provident funds,
mutual funds, pension funds and insurance policies, which are managed by
companies controlled by CIEH (the "CIEH Shares"). See also Item 5.
o Excludes the CIEH Shares.
Page 3 of 10 pages
SCHEDULE 13D
CUSIP NO. 500507108
--------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
IDB Holding Corporation Ltd.
--------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
(a) [X]
(b) [_]
--------------------------------------------------------------------------------
3) SEC USE ONLY
--------------------------------------------------------------------------------
4) SOURCE OF FUNDS
Not applicable
--------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
2(D) OR 2(E) [_]
--------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Israel
--------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES -------------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 6,712,047 *
EACH -------------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH -------------------------------------------------------------
10) SHARED DISPOSITIVE POWER
6,712,047 *
--------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
6,712,047 *
--------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
[X]o
--------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
40.7%
--------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON
CO
--------------------------------------------------------------------------------
----------
* Includes (i) 5,081,033 Ordinary Shares held by DIC and (ii) 800 Ordinary
Shares held by a subsidiary of CIEH for its own account. Does not include the
CIEH Shares. See also Item 5.
o Excludes the CIEH Shares.
Page 4 of 10 pages
SCHEDULE 13D
CUSIP NO. 500507108
--------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Nochi Dankner
--------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
(a) [X]
(b) [_]
--------------------------------------------------------------------------------
3) SEC USE ONLY
--------------------------------------------------------------------------------
4) SOURCE OF FUNDS
Not applicable
--------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
2(D) OR 2(E) [_]
--------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Israel
--------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES -------------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 6,712,047 *
EACH -------------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH -------------------------------------------------------------
10) SHARED DISPOSITIVE POWER
6,712,047 *
--------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
6,712,047 *
--------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
[X]o
--------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
40.7%
--------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON
IN
--------------------------------------------------------------------------------
----------
* Includes (i) 5,081,033 Ordinary Shares held by DIC and (ii) 800 Ordinary
Shares held by a subsidiary of CIEH for its own account. Does not include the
CIEH Shares. See also Item 5.
o Excludes the CIEH Shares.
Page 5 of 10 pages
SCHEDULE 13D
CUSIP NO. 500507108
--------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Shelly Bergman
--------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
(a) [X]
(b) [_]
--------------------------------------------------------------------------------
3) SEC USE ONLY
--------------------------------------------------------------------------------
4) SOURCE OF FUNDS
Not applicable
--------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
2(D) OR 2(E) [_]
--------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Israel
--------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES -------------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 6,712,047 *
EACH -------------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH -------------------------------------------------------------
10) SHARED DISPOSITIVE POWER
6,712,047 *
--------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
6,712,047 *
--------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
[X]o
--------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
40.7%
--------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON
IN
--------------------------------------------------------------------------------
----------
* Includes (i) 5,081,033 Ordinary Shares held by DIC and (ii) 800 Ordinary
Shares held by a subsidiary of CIEH for its own account. Does not include the
CIEH Shares. See also Item 5.
o Excludes the CIEH Shares.
Page 6 of 10 pages
SCHEDULE 13D
CUSIP NO. 500507108
--------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Ruth Manor
--------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
(a) [X]
(b) [_]
--------------------------------------------------------------------------------
3) SEC USE ONLY
--------------------------------------------------------------------------------
4) SOURCE OF FUNDS
Not applicable
--------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
2(D) OR 2(E) [_]
--------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Israel
--------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES -------------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 6,712,047 *
EACH -------------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH -------------------------------------------------------------
10) SHARED DISPOSITIVE POWER
6,712,047 *
--------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
6,712,047 *
--------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
[X]o
--------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
40.7%
--------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON
IN
--------------------------------------------------------------------------------
----------
* Includes (i) 5,081,033 Ordinary Shares held by DIC and (ii) 800 Ordinary
Shares held by a subsidiary of CIEH for its own account. Does not include the
CIEH Shares. See also Item 5.
o Excludes the CIEH Shares.
Page 7 of 10 pages
SCHEDULE 13D
CUSIP NO. 500507108
--------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Avraham Livnat
--------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
(a) [X]
(b) [_]
--------------------------------------------------------------------------------
3) SEC USE ONLY
--------------------------------------------------------------------------------
4) SOURCE OF FUNDS
Not applicable
--------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
2(D) OR 2(E) [_]
--------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Israel
--------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES -------------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 6,712,047 *
EACH -------------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH -------------------------------------------------------------
10) SHARED DISPOSITIVE POWER
6,712,047 *
--------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
6,712,047 *
--------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
[X]o
--------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
40.7%
--------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON
IN
--------------------------------------------------------------------------------
----------
* Includes (i) 5,081,033 Ordinary Shares held by DIC and (ii) 800 Ordinary
Shares held by a subsidiary of CIEH for its own account. Does not include the
CIEH Shares. See also Item 5.
o Excludes the CIEH Shares.
Page 8 of 10 pages
This amendment No. 3 amends and supplements the Statement on Schedule 13D
in respect of the Ordinary Shares, par value NIS 0.001 each ("Ordinary Shares"),
of Koor Industries Ltd. (the "Issuer"), initially filed by IDB Development
Corporation Ltd., IDB Holding Corporation Ltd., Mr. Nochi Dankner, Mrs. Shelly
Bergman, Mrs. Ruth Manor and Mr. Avraham Livnat (collectively, the "Initial
Reporting Persons"), with the Securities and Exchange Commission on June 6, 2005
(as amended from time to time, the "Statement"). The Initial Reporting Persons
together with Discount Investment Corporation Ltd. ("DIC") are hereinafter
referred to as the "Reporting Persons."
Capitalized terms used herein but not otherwise defined herein shall have
the meanings ascribed to such terms in the Statement.
The following amends and supplements Items 2, 4, 5, 6 and 7 of the
Statement.
ITEM 2. IDENTITY AND BACKGROUND
(a) - (c)
As of August 30, 2006:
o IDB Development owned approximately 76% of the outstanding shares of
DIC.
o In addition to approximately 31.02% of the outstanding shares of IDB
Holding owned by Ganden, which is controlled by Nochi Dankner and
Shelly Bergman through Ganden Holdings, Ganden owned approximately
6.7% of the outstanding shares of IDB Holding, and Ganden Holdings
itself owned directly approximately 11.7% of the outstanding shares of
IDB Holding. These additional shares of IDB Holding are not subject to
the Shareholders Agreement. Substantially all of these additional
shares of IDB Holding owned by Ganden and Ganden Holdings were
acquired with borrowed funds and are subject to the rights of each
respective shareholder's lending institution in the event of default.
The name, citizenship, residence or business address and present principal
occupation of the directors and executive officers of DIC, IDB Development and
IDB Holding are the same as set forth in Schedules A, B and C, respectively,
attached to amendment No. 2 of the Statement and incorporated herein by
reference, except that Mr. Rolando Eisen and Mr. Shmuel Lachman ceased to be
directors of IDB Holding.
(d) None of the Reporting Persons or, to the knowledge of the Reporting
Persons, any director or executive officer of DIC, IDB Development and IDB
Holding referred to above, has, during the last five years, been convicted in
any criminal proceeding, excluding traffic violations and similar misdemeanors.
(e) None of the Reporting Persons or, to the knowledge of the Reporting
Persons, any director or executive officer of DIC, IDB Development and IDB
Holding referred to above, has, during the last five years, been a party to a
civil proceeding of a judicial or administrative body of competent jurisdiction
which as a result of such proceeding was or is subject to a judgment, decree or
final order enjoining future violations of, or prohibiting or mandating
activities subject to, Federal or state securities laws or finding any violation
with respect to such laws.
ITEM 4. PURPOSE OF TRANSACTION.
On August 30, 2006, DIC commenced a tender offer to purchase up to 890,000
Ordinary Shares (including Ordinary Shares represented by American Depositary
Shares, each of which represents 0.20 of an Ordinary Share) on the terms and
subject to the conditions set forth in the Offer to Purchase, dated August 30,
2006 (including Annex D thereto, the "Offer Document"). A copy of the Offer
Document is filed as Exhibit 1 to this amendment No. 3 and is incorporated by
reference herein.
On August 30, 2006, DIC issued a press release announcing that it had commenced
the tender offer referred to above. A copy of the press release is filed as
Exhibit 2 to this amendment No. 3 and is incorporated by reference herein.
ITEM 5. INTEREST IN SECURITIES OF THE ISSUER.
(a), (b) Percentages are based on 16,487,953 Ordinary Shares outstanding as
of August 30, 2006 (excluding 15,799 Ordinary Shares owned by a wholly owned
subsidiary of the Issuer), as the Issuer advised the Reporting Persons.
As of August 30, 2006:
Page 9 of 10 pages
DIC directly owns 5,081,033 Ordinary Shares, and may be deemed to share the
power to vote and dispose of these Ordinary Shares, constituting approximately
30.8% of the Ordinary Shares outstanding. The 5,081,033 Ordinary Shares do not
include 672,174 Ordinary Shares which DIC may be required to purchase pursuant
to Anfield's put option described in Item 4 of amendment No. 2 of the Statement,
and up to 485,195 Ordinary Shares which DIC may be required to purchase pursuant
to the Management Option described in Item 4 of amendment No. 1 of the
Statement.
IDB Development directly owns 1,630,214 Ordinary Shares, and may be deemed
to share the power to vote and dispose of these Ordinary Shares, constituting
approximately 9.9% of the Ordinary Shares outstanding. IDB Development may also
be deemed to be the beneficial owner, and to share the power to vote and
dispose, of the 5,081,033 Ordinary Shares owned by DIC, and the 800 Ordinary
Shares held by a subsidiary of CIEH for its own account. As a result, IDB
Development may be deemed to be the beneficial owner, and to share the power to
vote and dispose, of a total of 6,712,047 Ordinary Shares in the aggregate,
constituting approximately 40.7% of the Ordinary Shares outstanding.
IDB Holding and the Reporting Persons who are natural persons may be deemed
to share the power to vote and dispose of the aggregate of 6,712,047 Ordinary
Shares beneficially owned by DIC and IDB Development, constituting approximately
40.7% of the Ordinary Shares then outstanding.
Information provided to the Reporting Persons indicates that the executive
officers and directors of DIC, IDB Development and IDB Holding did not
beneficially own as of August 30, 2006 any Ordinary Shares.
(c) The Reporting Persons have not effected any transactions in the
Ordinary Shares, and information provided to the Reporting Persons indicates
that none of the executive officers and directors of DIC, IDB Development and
IDB Holding purchased or sold any Ordinary Shares, during the period following
the date of the event which required the filing of the previous amendment of the
Statement, namely from July 4, 2006 through August 30, 2006.
ITEM 6. CONTRACTS, ARRANGEMENTS, UNDERSTANDING OR RELATIONSHIPS WITH RESPECT TO
SECURITIES OF THE ISSUER.
None, except for the Offer Document described in Item 4 above, which
description is incorporated herein by reference.
ITEM 7. MATERIAL TO BE FILED AS EXHIBITS.
Exhibit 1: Offer Document, dated August 30, 2006 (incorporated by reference
to Exhibits (a)(1) and (a)(2) to the Form CB filed by DIC with
the Securities and Exchange Commission on August 30, 2006)
Exhibit 2: Press Release, dated August 30, 2006 (incorporated by reference
to Exhibit (a)(10) to the Form CB filed by DIC with the
Securities and Exchange Commission on August 30, 2006)
SIGNATURES
After reasonable inquiry and to the best knowledge and belief of the
undersigned, the undersigned certifies that the information set forth in this
amendment No. 3 is true, complete and correct.
Dated: September 7, 2006
DISCOUNT INVESTMENT CORPORATION LTD.
IDB DEVELOPMENT CORPORATION LTD.
IDB HOLDING CORPORATION LTD.
NOCHI DANKNER
SHELLY BERGMAN
RUTH MANOR
AVRAHAM LIVNAT
By: Discount Investment Corporation Ltd.
(signed)
By: _______________________________
Michel Dahan and Kurt Keren, authorized signatories of
Discount Investment Corporation Ltd., for itself and on
behalf of IDB Development Corporation Ltd., IDB Holding
Corporation Ltd., Nochi Dankner, Shelly Bergman, Ruth Manor
and Avraham Livnat pursuant to agreements annexed as
Exhibits 4 through 9 to amendment No. 2 of the Statement.
Page 10 of 10 pages