What changed in this filing

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Item 1. Business

2020-11-16 compared with 2019-10-23 · 207 added, 234 removed, 36 unchanged (92% of the section changed)

This Annual Report on Form 10-K contains

forward-looking statements based on expectations, estimates, and projections as of the date of this filing.

Actual results may

differ materially from those expressed in forward-looking statements.

See Item 1A of Part I—“Risk Factors.”

Odyssey Group International, Inc.

as a Nevada corporation in March 2014.

Our principal executive offices are located at 2372 Morse Ave., Irvine, CA 92614.

The registration

statement effectuating our initial public offering became effective in July 2015.

Currently our shares of common stock are

listed on the Over the Counter (OTC) exchange and there is currently very little public market for our common stock.

the process of applying for quotation on the OTC Electronic Bulletin Board, known as the OTCQB.

As used herein, when we refer to “Odyssey”,

“ODYY,”

This Annual Report

on Form 10-K contains forward-looking statements based on expectations, estimates, and projections as of the date of this filing.

Actual results may differ materially from those expressed in forward-looking statements.

See Item 1A of Part I—“Risk

Factors.”

Odyssey Group International,

was formed as a Nevada corporation in March 2014.

Our principal executive offices are located at 2372 Morse Ave., Irvine,

The registration statement effectuating our initial public offering became effective in July 2015.

Our shares of common

stock are listed on the OTCQB Marketplace (“OTC”) and there is currently very little public market for our common stock.

As used herein, when

we refer to “Odyssey”, “ODYY,”

the “Company,”

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and “our,”

we mean Odyssey Group International, Inc., a Nevada corporation, unless the context indicates otherwise.

Recently the United States Congress passed

the Jumpstart Our Business Startups Act of 2012 (the “JOBS Act”), which provides for certain exemptions from various

reporting requirements applicable to public companies that are reporting companies and are “emerging growth companies.”

we mean Odyssey Group International, Inc., a Nevada corporation, unless the context indicates

Recently the United

States Congress passed the Jumpstart Our Business Startups Act of 2012 (the “JOBS Act”), which provides for certain

exemptions from various reporting requirements applicable to public companies that are reporting companies and are “emerging

growth companies.”

We are an “emerging growth company”

as defined in Section 3(a) of the Exchange Act (as amended by the JOBS Act, enacted

on April 5, 2012), and we will continue to qualify as an “emerging growth company”

until the earliest to occur of:

(a) the last day of the fiscal year during which we have total annual gross revenues of $1,000,000,000 (as such amount is indexed

for inflation every five years by the SEC) or more;

(b) the last day of our fiscal year following the fifth anniversary of the

date of the first sale of our common equity securities pursuant to an effective registration statement under the Securities Act;

(c) the date on which we have, during the previous three-year period, issued more than $1,000,000,000 in non-convertible debt;

as defined in Section 3(a) of the Exchange Act (as amended

by the JOBS Act, enacted on April 5, 2012), and we will continue to qualify as an “emerging growth company”

earliest to occur of:

(a) the last day of the fiscal year during which we have total annual gross revenues of $1,000,000,000 (as

such amount is indexed for inflation every five years by the SEC) or more;

(b) the last day of our fiscal year following the fifth

anniversary of the date of the first sale of our common equity securities pursuant to an effective registration statement under

the Securities Act;

or (d) the date on which we are deemed to be a “large accelerated filer,”

as defined in Exchange Act Rule 12b–2.

Therefore, we expect to continue to be an emerging growth company for the foreseeable future.

Generally, a registrant that registers any

class of its securities under Section 12 of the Exchange Act is required to include in the second and all subsequent annual reports

filed by it under the Exchange Act a management report on internal control over financial reporting and, subject to an exemption

available to registrants that meet the definition of a “smaller reporting company”

in Exchange Act Rule 12b-2, an auditor

attestation report on management’s assessment of internal control over financial reporting.

However, for so long as we continue

to qualify as an emerging growth company, we will be exempt from the requirement to include an auditor attestation report in our

annual reports filed under the Exchange Act, even if we do not qualify as a “smaller reporting company”.

as an emerging growth company, we are able to avail ourselves to the reduced disclosure obligations regarding executive compensation

in our periodic reports and proxy statements and not to present to our stockholders a nonbinding advisory vote on executive compensation,

obtain approval of any golden parachute payments not previously approved or present the relationship between executive compensation

actually paid and our financial performance.

We have irrevocably elected to comply with new or revised accounting standards even

though we are an emerging growth company.

Odyssey Group International, Inc.

(“Odyssey”

or “the Company”), was formed as a publicly held holding company with an emphasis on the development and acquisition

of medical products and health related technologies.

The Company is focused on building and acquiring assets in areas that have

an identified technological advantage and a substantial market opportunity within significant target markets across the globe.

The corporate mission is to create or acquire

distinct assets, intellectual property, and technologies with an emphasis on acquisition targets that will generate positive cash

Our strategic mission is to deliver financial results, which yield high rates of returns for our shareholders and partners.

The Company’s leadership team has significant experience and capabilities to further refine the technologies and submit to

the appropriate regulatory agencies for marketing approval.

We engaged The Center for Valuation Studies (“CFVS”) to

assist in estimating the fair market value of the assets of the Company for general corporate purposes.

To derive an estimate of

fair market value of the assets, CFVS relied on the information provided by management.

Our business model is to develop or acquire

medical related products, engage third parties to manufacture such products and then distribute the products through various distribution

channels, including third parties.

The Company has significant assets in three different life saving technologies;

Generally, a registrant

that registers any class of its securities under Section 12 of the Exchange Act is required to include in the second and all subsequent

annual reports filed by it under the Exchange Act a management report on internal control over financial reporting and, subject

to an exemption available to registrants that meet the definition of a “smaller reporting company”

in Exchange Act

Rule 12b-2, an auditor attestation report on management’s assessment of internal control over financial reporting.

for so long as we continue to qualify as an emerging growth company, we will be exempt from the requirement to include an auditor

attestation report in our annual reports filed under the Exchange Act, even if we do not qualify as a “smaller reporting

company”.

In addition, as an emerging growth company, we are able to avail ourselves to the reduced disclosure obligations

regarding executive compensation in our periodic reports and proxy statements and not to present to our stockholders a nonbinding

advisory vote on executive compensation, obtain approval of any golden parachute payments not previously approved or present the

relationship between executive compensation actually paid and our financial performance.

We have irrevocably elected to comply

with new or revised accounting standards even though we are an emerging growth company.

Odyssey was formed

as a publicly held holding company with an emphasis on the development and acquisition of medical products and health related technologies.

We are focused on building and acquiring technologies that have a technological advantage and a substantial market opportunity

within significant target markets across the globe.

The corporate mission is to create or acquire distinct technologies and intellectual

property with an emphasis on acquisition targets that will generate positive cash flow.

Our strategic mission is to deliver financial

results, which yield high rates of returns for our shareholders and partners.

The Company’s leadership team has significant

experience and capabilities to further refine the technologies and submit to the appropriate regulatory agencies for marketing

Our business model

is to develop or acquire medical related products, engage third parties to manufacture such products and then distribute the products

through various distribution channels, including third parties.

The Company has product development projects in three different

life saving technologies;

the CardioMap®

heart monitoring and screening device, the Save A Life choking rescue device and a unique neurosteroid drug compound intended to

treat rare brain disorders.

We intend to acquire other technologies

and assets and plan to be a trans-disciplinary product development company involved in the discovery, development and commercialization

of products and technologies that may be applied over various medical markets.

We intend to license, improve and/or develop

our products and identify and select distribution channels.

We intend to establish agreements with distributors to get products

to market quickly as well as to undertake and engage in our own direct marketing efforts.

We will determine the most effective

method of distribution for each unique product that we include in our portfolio.

We intend to engage third party research

and development firms who specialize in the creation of medical products to assist us in the development.

We intend to apply for

trademarks and patents as we develop proprietary products.

Financial Information about Industry Segments

We do not report our revenues or expenses

heart monitoring and screening device, the Save A Life choking rescue device and a

unique neurosteroid drug compound intended to treat rare brain disorders.

We intend to acquire

other technologies and assets and plan to be a multi-disciplinary product development company involved in the discovery, development

and commercialization of products and technologies that may be applied over various medical markets.

We intend to license,

improve and/or develop our products and identify and select distribution channels.

We intend to establish agreements with distributors

to get products to market quickly as well as to undertake and engage in our own direct marketing efforts.

We will determine the

most effective method of distribution for each unique product that we include in our portfolio.

We intend to engage

third party research and development firms who specialize in the creation of medical products to assist us in the development.

We intend to apply for trademarks and patents as we develop proprietary products.

For a complete description

of our business, financial condition, results of operations and other important information, we refer you to our filings with the

SEC that are incorporated by reference in this Annual Report, including our Annual

Report on Form 10-K for the year ended July 31, 2019 and our Quarterly

Reports on Form 10-Q for the periods ended October 31, 2019, January 31, 2020 and April 30, 2020, as amended by the filings

of Form 10K/A for the period ended July 31, 2019 and Quarterly Reports on Form 10-Q/A for the periods ended October 31, 2019, January

31, 2020 and April 30, 2020 filed and with the Securities and Exchange Commission on November 13, 2020.

For instructions on how

to find copies of these documents, see the section entitled “Where You Can Find More Information”.

Financial Information about Industry

We do not report our

revenues or expenses by segment.

See financial statements.

1 unchanged sentence

Once the U.S.

Food and Drug Administration

(the “FDA”) clears us to market the CardioMap®

and Save a Life products, we intend to enter into agreements with

qualified distributors throughout the United States and world, including:

Europe, South America, Africa, India and China.

to require such distributors to pay to our company an initial license fee as well as royalties based on gross sales.

exclusivity, we will bill based on a mutually agreeable semi-annual or quarterly sales minimum.

We have determined to focus on

international growth because generally such international license agreements provide a stronger path to revenue and earnings than

purely domestic products.

Our objective is to grow revenue through

marketing and sales of each of our current products, CardioMap®

and Save a Life.

Although no assurances can be given, management

anticipates company growth from the following areas:

and Drug Administration (the “FDA”) clears us to market the CardioMap®

and Save a Life products, we intend to enter

into agreements with qualified distributors throughout the United States and internationally, including:

Europe, South America,

Africa, India and China.

We intend to require such distributors to pay us an initial license fee, as well as royalties based on

Retaining exclusivity, we will bill based on a mutually agreeable semi-annual or quarterly sales minimum.

determined to focus on international growth because, generally, such international license agreements provide a stronger path to

revenue and earnings than purely domestic products.

Our objective is to

grow revenue through marketing and sales of each of our products, CardioMap®

and Save a Life, once they gain regulatory approvals.

Although no assurances can be given, management anticipates company growth from the following areas:

Distribution or License Agreements.

In most cases, we will enter into distribution agreements with companies who already have sales professionals that already have experience selling through a variety of sales methods.

In most cases, we will enter into distribution agreements with companies who have sales professionals with experience selling through a variety of sales methods.

These distribution agreements will allow us to more quickly achieve sales and revenue in the health products industries.

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for additional proprietary uses of the product.

We intend to identify and find new areas of the human body to map utilizing CardioMap®

We intend to identify new areas of the human body to map utilizing CardioMap®

technology such as the brain, liver and kidney.

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We intend to market any new products that may be developed or acquired.

We intend to, as capital resources permit, develop such opportunities if and when they present themselves.

We intend, as capital resources permit, to develop such opportunities if and when they present themselves.

About CardioMap®

CardioMap®

System will be an internet service based on the new development of Dispersion Mapping Method

in ECG analysis for the early, non-invasive testing of coronary heart disease (CHD).

The heart monitoring system is in a prototype

stage and will provide high quality 3-D visualization and diagnosis of the heart using advanced signal analysis.

The Company owns technology and the marketing

and distribution rights related to CardioMap®.

CardioMap®

measures disease or stress levels, along with current heart conditions

as a 3D image supplementing the line drawing electrocardiogram (ECG), but with device sensitivity that surpasses standard ECG analyzers.

It is highly portable and provides a rapid analysis in 30 or 60 seconds.

The device is connected through the Internet to the central

server that converts the electric conductivity of the cardiac tissue into a three-dimensional, color-coded and easy-to-interpret

visual portrait.

The CardioMap®

is in advanced prototype stages of development and is not yet cleared by the FDA.

System will be an internet service based on the new development of Dispersion Mapping Method in ECG analysis for the

early, non-invasive testing of a heart disease (“CHD”).

The heart monitoring system is intended to provide high quality

3-D visualization and diagnosis of the heart using advanced signal analysis.

The product is being designed for use in a professional

setting or in remote settings including home use.

Once FDA cleared, CardioMap®

could provide

a better level of diagnosis with its improved sensitivity levels that can detect early warning signs that would normally be invisible

with standard ECG devices.

The system can dramatically cut the costs associated with the detection of ischemic heart disease and

could prove to be an invaluable testing device for cardiologists, physicians, clinics, hospitals, the fitness industry, sports

teams, emergency facilities and general public.

could provide a better level of diagnosis with its improved sensitivity levels that can detect early warning signs that would normally

be invisible with standard ECG devices.

The system is designed to dramatically cut the costs associated with the detection of ischemic

heart disease and will prove to be an invaluable testing device for cardiologists, physicians, clinics, hospitals, the fitness

industry, sports teams, emergency facilities and general public.

CardioMap®

was developed by VE Science Technology LLC, from whom we have purchased

the product rights.

About Save a Life Choking Rescue

On June 27, 2019, Odyssey entered into a

Definitive Agreement with Dr.

James De Luca (“De Luca”), inventor and Murdock Capital Partners (“MCP”),

advisors to De Luca, to acquire the intellectual property, know-how and patents for a life-saving medical device currently in development.

The Company acquired intellectual property rights, namely, United States Letters Patent No.

7,559,921, entitled “Device for

Removing a Lodged Mass”

which issued on July 14, 2009 and which was reissued on June 2, 2015 and received U.S.

Reissue Patent

Re 45,535 and United States Patent Number 8,454,624 also entitled “Device for Removing a Lodged Mass”

issued on June 4, 2013.

As consideration for the patent and intellectual

property, the Company granted stock options totaling 600,000 shares of the Company’s stock, vesting on certain milestones.

The options will be split between De Luca and MCP.

The Company also granted Dr.

De Luca, 20,000 common shares of stock.

Upon commercial

sales of the product, the Company will also pay a three percent (3%) royalty on the net profit of each device sold, once it is

approved by all necessary regulatory bodies.

The Save a Life (“SAL”)

Choking Rescue Device will be the only FDA cleared device that uses a patented “Negative Pressure”

design to dislodge

objects from the throat.

It is an instantaneous, one step action that anyone can operate.

A working prototype has been tested successfully

A development program for further refining the design and submitting for FDA clearance has been created.

In June 2019,

the Company acquired the issued patents number RE45, 535 E and patent number 8,454,624 B2 for the choking rescue device.

The Company believes its choking rescue

device will quickly become the “accepted”

standard and leader in the treatment of choking incidents globally.

The Company’s

device is designed to quickly, safely and economically address a medical situation that occurs often, is indiscriminate of time

and place, is complex, time-sensitive, and if treated incorrectly can cause unintended or unexpected injury and even death.

The Save a Life choking rescue device

is a patented, safe, and easy to use for removing a lodged mass or bolus from the throat of a choking victim.

The device includes

a pump for creating a vacuum chamber which is connected seamlessly with a replaceable/disposable mouthpiece.

In an emergency the

SAL may be easily inserted into the victim’s mouth which depresses the tongue providing a clear, trauma-free application.

By pressing a button on the device, the device will deliver the appropriate amount of instantaneous vacuum to dislodge the mass

or bolus in the throat without harm or damage to the victim.

The application is instantly effective as the device is operational

and effective in a matter of seconds.

The Save a Life has a number of advantages

and features.

was developed by VE Science Technology LLC, from

whom we have purchased the product rights.

In order to sell, market and distribute the CardioMap®

product, clearance from the

FDA is required.

Such clearance has not been obtained at this time.

Product Development

Engineering Model

Clinical Trial

FDA Submission

The product development

plan is an estimate and is subject to change based on funding, technical risks and regulatory approvals.

About Save-a-Life®

The Save a Life®

(“SAL”) choking rescue device is in development and being designed to be a safe, and easy to use device for removing

a lodged mass or bolus from the throat of a choking victim.

The device includes a pump for creating a vacuum chamber, which is

connected seamlessly with a replaceable/disposable mouthpiece.

In an emergency the SAL may be easily inserted into the victim’s

mouth, which depresses the tongue providing a clear application.

By pressing a button on the device, the device will deliver the

appropriate amount of instantaneous vacuum to dislodge the mass or bolus in the throat without harm or damage to the victim.

application will be instantly effective as the device is operational and effective in a matter of seconds.

In order to sell, market

and distribute the Save-a-Life product, clearance from the FDA is required.

Such clearance has not been obtained at this time.

The Development Plan for commercializing the Save-a-Life product is below.

Product Development

Engineering Model

Clinical Trial

FDA Submission

Complete –

in testing phase

Product development

plan are estimates only and are subject to change based on funding, technical risks and regulatory approvals.

The Save a Life

has a number of advantages and features.

The highlights are:

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The product is designed to be used by adults and children.

The tongue depressor vacuum tube is inserted

versus trying to place and keep a mask on a traumatized patient.

The tongue depressor vacuum tube is inserted versus trying to place and keep a mask on a traumatized patient.

Management also believes the product can be self-administered.

- Smart Patented Design - The product is designed specifically to immobilize the palate from reflex spasm and open the

air passage using a replaceable tongue depressor vacuum tube.

A controlled vacuum action (manual or CO2 powered), with specific

negative pressure, has been carefully calculated enabling the lifting of a lodged mass from the throat, so it may be ejected by

reflexive coughing.

This device utilizes a negative pressure to gently uplift the object from the larynx, at which point it will

be coughed upward and outward reflexively.

Smart Patented Design - The product is designed specifically to immobilize the palate from reflex spasm and open the air passage using a replaceable tongue depressor vacuum tube.

A controlled vacuum action (manual or CO2 powered), with specific negative pressure, has been carefully calculated enabling the lifting of a lodged mass from the throat, so it may be ejected by reflexive coughing.

This device utilizes a negative pressure to gently uplift the object from the larynx, at which point it will be coughed upward and outward reflexively.

Used on Anyone –

The SAL can be used on infants (20 months plus) to elderly adults.

Also, it can be use on pregnant

women and others who the Heimlich maneuver cannot help.

About Orphan Drugs for Niemann Picks

and Amyotrophic Lateral Sclerosis (“ALS”)

On June 27, 2019, Odyssey entered into a

Definitive Agreement with Prevacus, Inc.

(“Prevacus”), a biotechnology company, to form a Joint Venture (“JV”)

relating to the development of a neurosteroid for treating two orphan disorders, Amyotrophic Lateral Sclerosis (“ALS”)

and Niemann Picks disease.

Prevacus will contribute to the JV, the chemical compound and Odyssey will be responsible for funding

the JV through Phase One clinical trials.

The JV company will own the patents.

Each party will own the JV company equally.

to the JV, the two companies have entered into a share exchange agreement whereby Prevacus will receive three million shares of

Odyssey common stock and Odyssey will receive one million shares of Prevacus stock.

The chemical compound for the neurosteroid

being developed has issued patents, and as consideration for the patented compound, Odyssey will issue Prevacus two million shares

of its common stock.

Prevacus, a leading biotech company in

the area of neurological disorders and brain trauma has a neurosteroid compound intended to treat rare brain disorders, such

as ALS, Niemann Pick’s disease, Krabbe’s Disease, Metachromatic Leukodystrophy and other leukodystrophies.

rare diseases are considered to have orphan drug status by the FDA.

Orphan drug status is granted by the FDA and is

intended to give companies that are researching cures for rare diseases that affect a small percentage of the population, a

seven-year exclusive right to develop a cure and favorable tax considerations.

The FDA Office of Orphan Products

Development determines if a drug qualifies as an orphan product and drug status can be granted for new drugs,

already approved drugs, or drugs that are already on the market.

The Prevacus and Odyssey joint venture will

seek a solution to improve function and lifespan in pediatric disorders where de-myelination and cell death is widespread in the

cortex and cerebellum regions of the brain.

The SAL is designed to be used on infants (20 months plus) to elderly adults.

Also, it can be use on pregnant women and others who the Heimlich maneuver cannot help.

About the neurosteroid PRV-001

The Prevacus neurosteroid,

PRV-001 will seek to improve function and lifespan in pediatric disorders where de-myelination and cell death is widespread in

the cortex and cerebellum regions of the brain.

The new chemical entity is designed to work through gene amplification to simultaneously

remove intra-neuronal debris while promoting antioxidant capacity and myelin repair/cell proliferation.

Disorders like Niemann

Pick Type C disease are multi-faceted in their pathology and require a treatment that can work at many levels to stop progression.

The chemical compound for the neurosteroid being developed has issued patents.

Toxicology studies have been performed and show

a 380-fold safety margin.

Preclinical efficacy studies show improvements in cognitive function and neuromotor performance.

We believe that the primary competition

for our services is from existing companies offering EKG equipment and anti-choking devices, as well as other pharmaceutical companies

engaged in the development of Orphan drugs.

Disorders like Nieman Pick

Type C disease are multi-faceted in their pathology and require a treatment that can work at many levels to stop progression.

chemical compound for the neurosteroid being developed has completed initial safety tests in mice.

Toxicology studies have been

performed and show a 380-fold safety margin.

Preclinical efficacy studies show improvements in cognitive function and neuromotor

In order to sell the PRV-001 neurosteroid, further development and clinical studies are required.

PRV-001 will also

require approval by the FDA in order to be sold in the United States.

Product Development

Pre-clinical Animal Studies

FDA Submission

Safety study complete

The product development

plan is an estimate only and is subject to change based on funding, technical risks and regulatory approvals.

We believe that the

primary competition for our products and services is from existing companies offering EKG equipment and anti-choking devices, as

well as other pharmaceutical companies engaged in the development of Orphan drugs.

Governmental Regulation

Product Regulation

The processing, formulation,

safety, manufacturing, packaging, labeling, advertising and distribution of our products may be subject to certain regulation by

one or more federal agencies, including the FDA, Housing and Human Services (the “HHS”), the Federal Trade Commission

(the “FTC”), the Consumer Product Safety Commission (the “CPSC”), the United States Department of Agriculture

(the “USDA”) and the Environmental Protection Agency (the “EPA”), and by various agencies of the states

and localities in which our products are sold.

In order to sell, market and distribute

the CardioMap®, the Save a Life or the drug compound products, clearance or approval from the FDA is required.

Such clearance

or approval has not been obtained at this time and our products are not currently available for commercial sale.

Any products we eventually

sell in foreign countries are also subject to regulation under various national, local and international laws that include provisions

governing, among other things, the formulation, manufacturing, packaging, labeling, advertising and distribution of drugs and medical

Government regulations in foreign countries may prevent or delay the introduction, or require the reformulation, of some

of our products.

At the date hereof, we have three employees

(one full-time and two part-time) and intend to hire additional employees in the foreseeable future.

processing, formulation, safety, manufacturing, packaging, labeling, advertising and distribution of our products may be subject

to certain regulation by one or more federal agencies, including the FDA, Housing and Human Services (the “HHS”), the

Federal Trade Commission (the “FTC”), the Consumer Product Safety Commission (the “CPSC”), the United States

Department of Agriculture (the “USDA”) and the Environmental Protection Agency (the “EPA”), and by various

agencies of the states and localities in which our products are sold.

In order to sell, market

and distribute the CardioMap®, the Save a Life or the drug compound products, clearance or approval from the FDA is required.

Such clearance or approval has not been obtained at this time and our products are not currently available for commercial sale.

products we eventually sell in foreign countries are also subject to regulation under various national, local and international

laws that include provisions governing, among other things, the formulation, manufacturing, packaging, labeling, advertising and

distribution of drugs and medical products.

Government regulations in foreign countries may prevent or delay the introduction,

or require the reformulation, of some of our products.

At the date hereof,

we have three employees (one full-time and two part-time) and intend to hire additional employees in the foreseeable future.

Where you can find more information

The Company’s

Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and amendments to reports filed pursuant

to Sections 13(a) and 15(d) of the Securities Exchange Act of 1934, as amended (“Exchange Act”), are filed with the

Securities and Exchange Commission (the “SEC”).

Such reports and other information filed by the Company with

the SEC are available free of charge on the Company’s website at http://www.odysseygi.com when such reports are

available on the SEC website.

The public may read and copy any materials filed by the Company with the SEC at the SEC’s Public

Reference Room at 100 F Street, NE, Room 1580, Washington, DC 20549.

The public may obtain information on the operation of the

Public Reference Room by calling the SEC at 1-800-SEC-0330.

The SEC maintains an Internet site that contains reports, proxy and

information statements and other information regarding issuers that file electronically with the SEC at www.sec.gov.

of these websites are not incorporated into this filing.

Further, the Company’s references to the URLs for these websites

are intended to be inactive textual references only.

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-K

Item 1. Business