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However, we accrued for each of Messrs. In addition, we have adopted a Non-Employee Director Stock Option Plan pursuant to which non-employee directors receive an initial grant of options to purchase 25, shares of our common stock upon the effective date of such plan or upon the date of his or her election as a director. On January 12,Messrs. We have successfully applied our technology to our Instant Power line of disposable high-capacity zinc-air batteries and digitex futures token how to leverage trade on bitmex for cellular telephones. The Instant Power Division formerly the Consumer Batteries Division began initial deliveries of disposable cellphone batteries in the first line of commercial consumer products based on Electric Fuel's zinc-air battery technology in the second half of We also offer essential intelligence on retirement strategies and business-building advice for financial advisers. Should any such new developments or changes forex lessons pdf download best forex indicator material, in our opinion, to the Estimated Pro Forma Market Value, appropriate adjustments will be made to the Valuation Range. When applying the comparative market approach, the appraiser would ideally utilize companies identical to the subject company in terms of lines of business, growth, profitability, and composition of earnings. Develop and produce disposable zinc-air batteries for mass-market consumer electronic devices such as cellular phones, personal digital assistants PDAscamcorders, notebook computers and hand-held devices. Should we sell any portion of the technology developed outright to a third party, one-half of all proceeds of the sale are applied as received on account of royalties. Retirement Perspectives. Taxes in these entities paid inand are primarily composed of United States federal alternative minimum taxes. HCII — the company has too narrow of a risk profile by mainly insuring homeowners in Florida. If the shares were sold to us, Messrs. Pro Forma Valuation Minimum.

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Assuming shapeshift zcash vs monero gemini exchange bank not accepted stand-alone conversion of the Company, there simple daily forex trading strategy download software idx virtual trading no assurance that an nifty intraday buy sell signal software crowdfunding binary options and liquid market for the Common Stock would develop or that it would continually meet listing requirements. A major portion of the Company's revenues from cellular telephone products is derived from sales by the Company to a single customer. Affirmative Insurance Holdings, Inc. Pursuant to the terms of this purchase agreement, Mr. Gross exercised hissix-month warrants on wave theory technical analysis s&p 500 swing trading strategy cashless exercise basis in Juneresulting in the acquisition by him ofshares of common stock. Since NovemberDr. Comparatively, the majority of the companies in the Comparable Group experienced declining revenues over the same period. In addition, Israeli employees and employers are required to pay specified sums to the National Insurance Institute, which is similar to the United States Social Security Administration. Department of Transportation's Federal Transit Administration. The information is being provided for general educational purposes only and is not intended to provide legal or tax advice. Long-term bonds with a maturity greater than 20 years made up 2. Jay M. We have also applied our technology to the development of a refuelable zinc-air battery for powering zero emission electric vehicles, which we have successfully demonstrated in "on- the-road" programs in Germany, Sweden, Italy, Israel and the United States. Degani's employment agreement provides for an annual bonus of not less than 1. Pursuant to the employment agreements, we granted each of Messrs. Should we sell any portion of the technology developed outright to a third party, one-half of all proceeds of the sale are applied as received on account of royalties.

Pro Forma Valuation Minimum. Eastman holds a B. Mercer Insurance Group. On May 17, , we entered into a purchase agreement with Koor Industries Ltd. We also recognized revenues from the sale of lifejacket lights. Koretz has also been responsible for our defense and safety applications since January During , in response to our growth in sales, we expanded our marketing efforts with a series of internal management promotions. Our responsibility is to express an opinion on these financial statements based on our audits. These grants are recognized at the time the Company is entitled to such grants, on the basis of the costs incurred and are included as a deduction of research and development costs. An email has been sent to with instructions on resetting your password. Mercury General Corporation.

Each of these are important considerations given that the Company is a smaller insurer, and that smaller insurers are often at a competitive disadvantage in terms of economies of scale. Initiated in Bremen, Germany, inthe Deutsche Post program involved the use of several models of postal vans powered by our zinc-air battery system and the establishment of the infrastructure for refueling and regenerating the batteries. The Company has contracted outside counsel which has handled most of its sizeable liability claims since Environmental Protection Agency has identified particulate emissions from diesel engine emissions as a carcinogen. He is a member of format of trading profit and loss account pdf forex bank careers District of Columbia bar. The percentage ownership of the outstanding common stock reported herein is based on the assumption expressly required by the applicable rules of the Securities and Exchange Commission that only the person whose ownership is being reported has converted his options into shares of common stock. In our opinion, these levels of discounts are appropriate brokerage account merrill lynch transfer ira to wealthfront reflect the previously discussed adjustments for size, earnings prospects, liquidity 1 minute binary options strategy 2020 live charts co uk forex charts eur usd the issue, lack of subscription interest, and the new issue discount. As a nonprofit insurance specialist, First Nonprofit provides a workers compensation program to reduce hazards and minimize losses. In early October, Steven Weisbart, Ph. In addition, FNIC offers specialized insurance coverage generally not widely available through other insurance companies. However, the per-cycle usage time of rechargeable batteries is generally limited, particularly in the case of standard configuration batteries in the range of mAh to mAh. Jay Eastman has been one of our directors since October InUs banks bitstamp bitminer world review. Insurance Broker.

Weisbart accentuated the longer-term issues plaguing the industry in the coming years, including:. Other Commercial. Although the Company should have the capacity to make dividend payments following a successful Offering, Company management currently has no intention to pay dividends to shareholders, although a potential Sponsor could pay regular dividends. From until , Mr. ITEM 8. Electric Fuel Instant Power batteries and chargers are designed to be environmentally benign and recyclable in the same manner as primary alkaline batteries. Taxes in these entities incurred in and are primarily composed of United States federal alternative minimum taxes. All company and product names mentioned may be trademarks or registered trademarks of their respective holders. We're sorry, but the Literature Center checkout function is temporarily unavailable. Any examples provided are for informational purposes only and are not intended to be reflective of actual results and are not indicative of any particular client situation. This shows FNIC had better underwriting profitability than the industry average. The overall growth in direct premiums written in was 9. Ancillary products will support this objective. FNIA is a multi-line brokerage for direct sales of property, casualty, life, accident and health insurance as well as k and b retirement plans. Financial Condition of the Comparable Group.

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We believe that our audits and the reports of the other auditors provide a reasonable basis for our opinion. Go to small business plan sponsors. Exhibit III. In addition, we lease additional space in Beit Shemesh of approximately an additional 34, square feet. Gross purchased six-month warrants to purchase , shares of common stock and one-year warrants to purchase , shares of common stock. For over 30 years, First Nonprofit has provided insurance coverage for nonprofit organizations that it believes are underserved by the commercial market. We will do everything in our power to anticipate and fully understand their needs and wants. Stock Market Conditions. Delivery has occurred. Further, intellectual property created during the course of the employment relationship belongs to us. Additionally, beginning in late we began manufacturing and marketing the Instant Power charger for cellphones and PDAs, which lets wireless users "charge without electricity" and keep talking or working while recharging, even with a dead battery. We have audited the accompanying consolidated balance sheets of Electric Fuel Corporation "the Company" and its subsidiaries as of December 31, and and the related consolidated statements of operations, changes in shareholders' equity and cash flows for each of the two years in the period ended December 31, Loews Corporation. Once your email address is verified, we will send you an email with instructions on how to reset your password.

We're sorry, but the Insights and Intelligence Tool is temporarily unavailable. AssuranceAmerica Corporation. Given the recent economic downturn and lingering low growth economy, many offerings for savings institution conversions have not fulfilled the minimum number of shares offered in the subscription offering phase, and community and syndicated community offerings were necessary to stock option strategy calculator forex strategies forex trading strategies that work the aggregate stock sale. Gross and us, we also entered into a registration rights agreement with Mr. Erie Indemnity Company. Hanover Insurance Group, Inc. Rosenfeld, Lawrence M. Pursuant to a voting rights agreement dated September 30, and as amended December 10,between Mr. Under the laws of Israel, an employee of ours who has been dismissed from service, died in service, retired from service upon attaining retirement age, or left due to poor health, maternity or certain other reasons, is entitled to severance pay at the rate of one month's salary for each year of service. These devices use the proprietary high-rate primary zinc-air technology that we developed in the last two years for portable electronic devices. Furthermore, like state-of-the-art zinc alkaline cells which must be mercury and cadmium free, our products are also completely free of toxic mercury and cadmium additives. SNL Sector Indexes. We believe that the emergence and projected growth of so-called "convergence" products - those which combine wireless communications with computer functions such as data and media transmission, and internet and e- mail connection - will lead to an increased demand for high-power batteries and rechargers. Pro Forma Valuation Minimum. The Instant Power Division formerly the Consumer Batteries Division began initial deliveries of disposable cellphone batteries in the first line of commercial consumer products based on Electric Fuel's zinc-air battery technology in the second half of While coinbase neo kopen is coinbase trust able braced for the worst given the projected path of the storm, the hurricane lost strength over North Carolina and was nowhere near a catastrophe situation for the northeast corridor. In addition, FNIC offers specialized insurance coverage generally not widely available through other insurance companies. Once your email address is zulutrade metatrader 4 mac manager download, we will send you an email with instructions on how to reset your password.

In , the Company formed subsidiary First Nonprofit Consulting FNPC , which began operations in , and management has reported there has been minimal activity. National Security Group Inc. Revenues for were principally derived from recognizing the previously deferred advances from the Deutsche Post as well as from activities relating to the Deutsche Post Field Test extension reflecting payment by the Deutsche Post of expenses we incurred. We rely on certain proprietary technology and seek to protect our interests through a combination of patents, know-how, trade secrets and security measures, including confidentiality agreements. We have also conducted a. Our research, development and production activities are primarily carried out by our Israeli subsidiary, EFL, at its facility in Beit Shemesh, and accordingly we have sales and expenses in New Israeli Shekels. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. In the context of the forward-looking information provided in this annual report and in other reports, please refer to the discussions of risk factors detailed in, as well as the other information contained in, our other filings with the Securities and Exchange Commission. The company also provides commercial liability coverage against third party liability from accidents occurring on the insured's premises or arising out of its operation, as well as writes separate policies to insure commercial property and commercial liability risk on a mono-line basis.

During his tenure he has authored a claim manual for the company, established a reserve advisory reporting system and spearheaded conversion to electronic claims files. The Forward-looking leading trading indicator what indicator tells you pips trading view has assured Boenning that it has relied on its own counsel, accountants and other experts for legal, accounting, tax and similar professional advice. We manufacture, assemble and package all our lifejacket lights in our factory in Etrade where is money after sell candlesticks intraday trade ideas Shemesh, Israel. Industries of particular focus include industrials, water and infrastructure and financial institutions. By the end ofwe were manufacturing and marketing four different models of our Instant Power disposable cellphone batteries, suitable for various models of cellphones produced by Nokia, Motorola, Ericsson and Samsung, and our products were on sale at retail outlets throughout the United States, Europe and Israel, including at such well-known retailers as Circuit City, CompUSA, Fred Meyer Stores, CarToys, and Wal-Mart under the EverActive brand nameand other cellular and retail stores in the United States, and at the Carphone Warehouse, BT Retail, and other cellular and retail stores in the United Kingdom. Our high- energy, high-power zinc-air battery is composed of a zinc anode and an air oxygen reduction cathode. The market value adjustments, which are based on certain financial and other criteria, include among others:. From this sub-group we then began to examine the product offerings, geographical presence, and diversification of each remaining comparable company. Ehrlich was our Vice Chairman of the Board. Before you can register, you must what to factors determine a common stocks total yield dopp stock broker wisconsin your email address. Advisen Insurance Intelligence, April Taxes in these entities paid inand are primarily composed of United States federal alternative minimum taxes. Transactions and balances originally denominated in U. Senior Management Realignment — FNIC realigned management with the strategy of the Company on both a geographic and depth of management basis. First Acceptance Corporation was founded in and is based in Nashville, Tennessee. Even though rechargeable batteries such as, for example, "AA"-size nickel-metal hydride batteries are widely available to run these devices, most consumers are currently choosing to how hard is it to get rich through stocks tech stock valuations primary batteries rather than rechargeables, despite potential savings in life-cycle costs that can be derived from using rechargeables.

Rosenfeld and Mr. As more fully described below, we intend to transfer the production facilities currently located in Beit Shemesh to a new facility in Jerusalem once the facilities are constructed. In general, we considered operating characteristics and the marketability and liquidity of stocks in our selection process. Growth in the economy will correlate to growth in demand for insurance capacity leading to higher rates. Miller serves as a director, Mr. Pursuant to the employment agreements, we granted each of Messrs. Eastman, Mr. The members of the Committee are familiar with various forms and types of remuneration from joel bernard qtrade why are canadian pot stocks down today news of equity trade 24 day trade dow jones public corporations and their own business experience. Therefore, the Valuation Range provided herein is subject to a re-evaluation prior to the actual completion of the Offering. Comparable Group Median. This electrolyte is the same as the electrolyte used in primary alkaline batteries and rechargeable nickel-cadmium and nickel-metal hydride batteries. Through participation in trade shows in the U. Our corporate headquarters, constituting approximately 3, square feet, are located what time does forex trading start uk screener mt4 New York City and leased for a term of five years expiring in November Historically, the majority of our revenues have been in U. ITEM 7. He has held his current position since and was a MIS manager prior from Deutsche Post has stated that it is interested in adopting emission-free vehicles once such technology is available in large-scale production, and has joined the new Consortium as an Advisory Partner. The increase in cash was primarily the result of the private placements of our securities described. National Association of Insurance Commissioners March Source: Company Annual Statements.

Note: Other includes pooled trusts. Insurance Underwriter. We have obtained the necessary permits under the Israel Dangerous Substances Law, , required for the use of zinc metal, potassium hydroxide and certain other substances in our facilities in Israel. Underwriting Results for Y. We are working to promote retail sales at travel-oriented locations, such as airports and train stations, and later supermarkets, convenience stores and mass retailers. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An email has been sent to with instructions on resetting your password. Our actual results could differ materially from those anticipated in these forward-looking statements as a result of certain factors including, but not limited to, those set forth elsewhere in this report. Management indicated they have explored and begun to implement several initiatives to improve the company:. Moreover, we believe that two other industry trends will have a strong positive impact on the market for our line of primary cellphone batteries and chargers:. Old Republic International Corporation. Source: Company Annual Statements. For example, the California Air Resources Board CARB recently adopted a regulation under which transit agencies with fleets of or more will be required to purchase at least three zero emissions buses by Additionally, if Mr. The development of a public market depends upon the presence in the marketplace of a sufficient number of willing buyers and sellers at any given time and the existence of market makers to facilitate stock trade transactions. The Valuation Range reported herein may be updated periodically at the request of the Company. In the context of the forward-looking information provided in this annual report and in other reports, please refer to the discussions of risk factors detailed in, as well as the other information contained in, our other filings with the Securities and Exchange Commission. Since , Mr. Ehrlich and Harats each exercised , stock options.

Which asset class should see more growth in CIT assets? Management's Discussion and Analysis of Financial Condition and Results of Operations - Liquidity and Capital Resources," above , on the terms described in the following two paragraphs. Weisbart accentuated the longer-term issues plaguing the industry in the coming years, including:. For our marine safety products, we have established our own network of distributors in the U. In July the BIRD Foundation awarded the two companies funding for the joint development of the electric propulsion system. Lord Abbett experts provide analysis and commentary to help individuals and professionals make better investment decisions. Ehrlich and Harats, and 16, Series B warrants identical to those purchased by Messrs. Our research, development and production activities are primarily carried out by our Israeli subsidiary, EFL, at its facility in Beit Shemesh, and accordingly we have sales and expenses in New Israeli Shekels. First Acceptance Corporation primarily distributes its products through retail sales offices. Even if the recent trend is reversed as was the case in previous years , we do not believe that continuing inflation in Israel or delays in the devaluation of the NIS are likely to have a material adverse effect on us, except to the extent that such circumstances have an impact on Israel's economy as a whole. In , we derived revenues principally from the sale of lifejacket lights and consumer batteries. Although we have a line of credit that may be affected by interest rate changes, given our level of borrowing, we do not believe the market risk from interest rate changes is material. A newly increased capital base, together with its affiliation with the Sponsor, will give FNIC flexibility to make necessary improvements to its IT infrastructure and online customer platform and provide it with enhanced investment management services. When applied to the valuation of equity interests, consideration is given to the financial condition and operating performance of the company being appraised relative to those of publicly-traded companies. Combined ratio decreased from However, there can be no assurance that we will obtain any such additional funding. Summary of Adjustments.

Manufacturer's suggested retail prices do not necessarily correspond to the prices charged by our distributors, which may be higher or lower. Electric Fuel Instant Power batteries and chargers are designed to be environmentally benign and recyclable in the same manner as primary alkaline batteries. Rosenfeld serves as director and member of the Executive Compensation Committees. Insurance Journal, May 24, The Compensation Committee, also created in Decemberrecommends annual compensation why is bitcoin cash not available on coinbase where can i trade ripple cryptocurrency for the Chief Executive Officer and Chief Financial Officer and reviews annual compensation arrangements for all officers and significant employees. Unico American Corporation. Retirement benefits are based on the level of contributions, plus earnings, that have accumulated in the account at the time of retirement. Binational Industrial Research and Development Foundation BIRD also began participating in our research and development efforts by sponsoring a joint project to develop a hybrid propulsion system for transit buses with General Electric Corporate Research and Development. An example of differentiation in battery selection along the lines of power can be seen in new PDAs that incorporate wireless communications. Navigators Group, Inc. Despite the very strong level of risk-adjusted capital, the rating could be negatively impacted by continued weak operating results relative to the current rating level. The cryptocurrency market share chart bitcoin legacy trade of these batteries does not currently provide sufficient power for high- current digital cellphone applications. The duration of the FNIC bond portfolio is 3. Exhibit III. Insurance Underwriter. Cost is determined as follows:. On August 1, we sued ElectroFuel, Inc. To the extent that such factors can be foreseen, they have been factored into our analysis. Gross' principal occupation for the past five years has been as a private investor in various publicly-held corporations, including Electric Fuel. Universal Insurance Holdings, Inc. From October until AprilMr. FNIA appears three times in the top ten agents chart in what brokers trade bitcoin futures how to profit from trading options to trifurcate premiums among retail, wholesale, and direct. Ehrlich or Mr. Defined Contribution Plans. Ben Haim has over twelve years of industrial and engineering experience.

Mercer Insurance Group. Ehrlich and Harats or their designees as directors. Furthermore, FNIC increased the weighting of its most popular business line, commercial and multi-peril, to Additionally, we have the right, on at least 90 days' notice to the executive, unilaterally to extend the initial term of the executive's agreement for a period of one year i. Cavanaugh has primarily worked on transactions including merger and acquisition how much does it cost to sell your bitcoin coinbase verification email link is unable to open and capital raises. It also provides premium financing to its insureds, as well as third party insureds. Under the terms of his agreement, Dr. Quick Links. As part of the Investment Banking Group, Mr. Notes 7 tastyworks wont fill edit short name tradestation 8. As required by law, the Audit Committee operates pursuant to a charter.

An area of increased development has been that of fuel cell powered vehicles, spearheaded by the Ballard Corporation's solid polymer electrolyte hydrogen-air fuel cell program. Upon Mr. Quick links order lit 0 track funds 0 Tracked Funds. All the shares of common stock issued to Koor in May were subsequently registered for resale pursuant to a registration statement on Form S-3 that was declared effective on June 27, In connection with a stock purchase agreement dated September 30, between Leon S. Degani by means of a non-recourse promissory note secured by the shares of common stock and warrants purchased. Other consumer and industrial applications based on the same zinc-air cells are currently under development. Such batteries are produced in the U. We conduct our research, development and production activities primarily through EFL at its facility in Beit Shemesh, Israel. Some of the batteries are expected to be incorporated in hybrid power packs designed for use with the Land Warrior System, an integrated, modular soldier system that enhances the command and control, survivability, mobility and sustainment capabilities of individual infantry soldiers and small infantry units. See Chart 3. In , the Company formed subsidiary First Nonprofit Consulting FNPC , which began operations in , and management has reported there has been minimal activity. Electric Fuel Instant Power batteries and chargers are designed to be environmentally benign and recyclable in the same manner as primary alkaline batteries.

Go to my accounts. Comparable Group Mean. Fleet operators require a long operating range, large payload capacity, operating flexibility, all-weather performance, fast vehicle turnaround and competitive life-cycle costs. From October until April , Mr. You have 0 funds on your mutual fund watch list. NiMH hydride batteries are still commonly sold alongside Li-ion packs. The market value adjustments, which are based on certain financial and other criteria, include among others:. Koretz has also been responsible for our defense and safety applications since January During , we paid each of Messrs. General Electric's portion of the project was to develop the EMS Energy Management System, which manages and controls all the various energy suppliers and consumers of the bus. Ehrlich, Harats and Miller until the earlier of December 10, or our fifth annual meeting of stockholders after December 10, Mercury General Corporation. Previous Demutualization Offerings. Therefore, we conclude that no adjustment is warranted for the Stock Market Conditions. On July 12, , we announced that we had successfully completed the first actual driving tests of our all-battery electric bus.