Kingstone Companies
KINS
#8376
Rank
$0.22 B
Marketcap
$15.71
Share price
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Change (1 day)
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Change (1 year)

Kingstone Companies - 10-K annual report


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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-KSB
(Mark One)
(x) ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT
OF 1934
For the fiscal year ended December 31, 1996
-------------------------------

( ) TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934
For the transition period from to

Commission file number 0-1665

EXTECH CORPORATION
(Name of small business issuer in its charter)
Delaware 36-2476480
(State or other jurisdiction of (I.R.S Employer
incorporation or organization) Identification No.)

90 Merrick Avenue, East Meadow, New York 11554
(Address of principal executive offices) (Zip Code)

Issuer's telephone number (516) 794-6300

Securities registered under Section 12(b) of the Exchange Act:

Title of each class Name of each exchange on which registered
none

Securities registered under Section 12(g) of the Exchange Act:

Common Stock, $.01 par value
(Title of class)

Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Exchange Act during the past 12 months (or for such
shorter period that the registrant was required to file such reports), and (2)
has been subject to such filing requirements for the past 90 days. Yes X No .

Check if disclosure of delinquent filers in response to Item 405 of
Regulation S-B is not contained in this form, and no disclosure will be
contained, to the best of registrant's knowledge, in definitive proxy or
information statements incorporated by reference in Part III of this Form 10-KSB
or any amendment to this Form 10-KSB.( )

State issuer's revenues for its most recent fiscal year: $1,082,038

State the aggregate market value of the voting stock held by
non-affiliates computed by reference to the price at which the stock was sold,
or the average bid and asked prices of such stock, as of a specified date within
the past 60 days: $1,064,668 as of March 21, 1997

(ISSUERS INVOLVED IN BANKRUPTCY
PROCEEDINGS DURING THE PAST FIVE YEARS)
Check whether the issuer has filed all documents and reports to be
filed by Section 12, 13 or 15(d) of the Exchange Act after the distribution of
securities under a plan confirmed by a court. Yes ___ No ___.

(APPLICABLE ONLY TO CORPORATE REGISTRANTS)
State the number of shares outstanding of each of the issuer's classes
of common equity, as of the latest practicable date: 5,591,367 shares
outstanding as of March 21, 1997

DOCUMENTS INCORPORATED BY REFERENCE

None
PART I

ITEM 1. DESCRIPTION OF BUSINESS

(a) Business Development

(i) International Airport Hotel

EXTECH Corporation (the "Company" or "EXTECH"), through a wholly-owned
subsidiary, IAH, Inc. ("IAH"), operates the International Airport Hotel in San
Juan, Puerto Rico (the "Hotel"). The Hotel is located on the site of the San
Juan International Airport (the "Airport") and occupies the third and fifth
floors of the main terminal building. In addition to its 57 guest rooms, the
Hotel has a lobby area. The Hotel caters generally to commercial and tourist
travelers in transit. IAH also operates a video game room on the terminal level
of the Airport. Reference is also made to Item 6 hereof for additional
information regarding the Hotel.

The Hotel is marketed through brochures, local advertising and in-airport
advertising. Its operations are highly seasonal, with the disproportionate share
of its revenues being generated during the first several months of the calendar
year. Approximately 27% of the total room sales for the Hotel for 1996 were
attributable to one customer.

The Hotel is the only hotel actually located on the site of the Airport. As
such, it has little direct competition for the tourist trade or commercial
travelers seeking only sleeping accommodations at the Airport. The Puerto Rico
Ports Authority (the "Ports Authority"), the owner of the Hotel, had authorized
the construction of an additional hotel in the parking lot of the Airport;
however, the Ports Authority has advised IAH that it has abandoned its plan to
construct such hotel and instead has determined to upgrade and expand the Hotel.
No assurance can be given, however, that an additional hotel or hotels will not
be developed at the site of, or near, the Airport, in which case IAH could
encounter significant competition with respect to the operations of the Hotel.

On July 22, 1988, IAH entered into a Lease Agreement with the Ports
Authority pursuant to which the Ports Authority granted IAH a lease to operate
the Hotel for five years until June 30, 1993, plus, at the option of IAH, an
additional five year term to end June 30, 1998 (subject to agreement as to the
rental amount payable, which the parties agreed to negotiate in good faith).

In 1992, in accordance with the Lease Agreement, IAH exercised its right
for a five year extension of its lease. At the time, the Ports Authority was
uncertain as to whether it wished to build a new hotel in the parking lot of the
Airport or upgrade the existing Hotel (located in the Airport terminal) and,
therefore, requested that IAH accept an 18 month extension of the then existing
term. IAH agreed to an 18 month extension and signed a supplemental lease
agreement with the Ports Authority in May 1992 extending the lease term to
December 31, 1995. IAH is of the belief that, pursuant to the supplemental lease
agreement, it retained the option to continue the lease for a period of five
years to December 31, 2000.
In July 1993, the Assistant  Director of Operations of the Ports  Authority
forwarded to IAH a letter containing the terms of a proposed ten year lease
extension which IAH approved, signed and returned to the Ports Authority.
Although the letter setting forth the terms of the extension agreement with IAH
does not make the Ports Authority's approval conditional upon the approval of
its Board of Directors, the Ports Authority has taken such position and, since
Board of Directors approval was not obtained, the Ports Authority takes the
position that the extension is not in effect. IAH is of the belief that a ten
year agreement has been entered into between IAH and the Ports Authority
pursuant to the foregoing or that, alternatively, it exercised its right to
extend the term of the lease to December 31, 2000.

Based upon IAH's refusal to acknowledge that, effective January 1, 1996, it
occupied the Hotel on a month-to-month basis, in February 1996, the Ports
Authority requested that IAH vacate, surrender and deliver the premises by
February 29, 1996. Following the receipt of such request, IAH brought an action
in the Superior Court of San Juan, Puerto Rico for declaratory judgment and
possessory injunction against the Ports Authority with respect to the Hotel. The
action seeks a declaratory judgment that, among other alternatives, IAH
exercised an option with respect to its lease for the Hotel for an extension of
the term of five years commencing on January 1, 1996 or that the Ports Authority
executed a new lease agreement for a ten year period commencing on such date.

(ii) Pipe Harness Clamp

The Company holds a patent for a specialized clamping device (the "Pipe
Harness Clamp") designed to connect principally underground pipe lines of
similar and dissimilar materials. In July 1991, the Company and an unrelated
third party (the "Licensee") entered into a License and Royalty Agreement (the
"License Agreement") pursuant to which the Licensee was granted the exclusive
right to manufacture, use, market and sell (either directly or on the Licensee's
behalf) the Pipe Harness Clamp.

The License Agreement provides that, among other matters, the Licensee will
pay royalty payments for the license of the Pipe Harness Clamp in an amount
equal to 5% of Net Sales (as defined in the License Agreement) of the Pipe
Harness Clamp until such time as the aggregate amount of the royalty payments
total $1,000,000 and thereafter an amount equal to 2.5% of Net Sales of the Pipe
Harness Clamp (the "Net Sales Royalty"). The License Agreement also provides
that the Licensee will pay a percentage of royalty payments that are payable to
the Licensee pursuant to a certain License and Technical Assistance Agreement
(the "Technical Assistance Agreement"). The Company is to receive, for each
twelve month period that the Technical Assistance Agreement is in effect, 23.68%
of all amounts in excess of $100,000 received by the Licensee in accordance with
the terms of the Technical Assistance Agreement (the "Technical Assistance
Royalty"), the aggregate of which payments to the Company shall not exceed
$1,480,000. Since inception of the License Agreement, the Company had received
an aggregate of approximately $179,891 in Technical Assistance Royalty payments
pursuant to the License Agreement (of which approximately $109,891 was accrued
during 1996), but had received no Net Sales Royalty payments. No assurances can
be given regarding the commercial marketability of the Pipe Harness Clamp.

2
(iii) Robeson Industries Corp.

In February 1993, EXTECH entered into a Subscription and Stock Purchase
Agreement (the "Subscription Agreement") with Robeson Industries Corp.
("Robeson") pursuant to which the Company agreed to purchase from Robeson,
subject to the conditions set forth therein, (i) approximately 15% of the issued
and outstanding shares of capital stock of Robeson and (ii) all of the
outstanding shares of capital stock of Robeson's wholly-owned Hong Kong
subsidiary, Robeson Industries Hong Kong Ltd. ("Hong Kong") (the "Hong Kong
Shares").

In May 1993, the Company advised Robeson that it was terminating the
Subscription Agreement due to the nonfulfillment of certain of the conditions to
the obligation of EXTECH to consummate the transactions contemplated thereby.
The Company also made demand upon Robeson for repayment of the principal amount
of $320,000 loaned by the Company during 1992 and 1993, together with interest
thereon, as well as reimbursement of expenses incurred by the Company in
connection with the Subscription Agreement.

Subsequently, in May 1993, Robeson filed a petition for bankruptcy under
Chapter 11 of the Bankruptcy Act with the United States Bankruptcy Court for the
District of New Jersey (the "Court"). In September 1993, the Company filed a
proof of claim in such proceeding as a secured creditor to recover the
approximate amount of $534,000.

Pursuant to a Plan of Reorganization of Robeson (the "Plan") approved by
the Court, in September 1994, in consideration of the $320,000 in loans made by
the Company to Robeson and other recoverable expenses, the reorganized Robeson
issued to the Company a promissory note (the "Note") in the principal amount of
$385,000. The Note provided for the payment of interest at the rate of 8% per
annum and the repayment of principal in 48 consecutive monthly installments of
varying amounts. Pursuant to the Plan, payment of the Note was secured by a
pledge of the Hong Kong Shares. In addition, pursuant to the Plan, the Company
received a nominal minority equity interest in Robeson.

The first three payments under the Note were received by the Company in
October, November and December 1994. Effective January 1995, Robeson ceased
making payments under the Note. In March 1995, the Company demanded full payment
of the Note, foreclosed its security interest with respect to the Hong Kong
Shares and purchased such shares at an auction sale.

In September 1995, the Company agreed to cancel the Note in consideration
for the issuance by Robeson of a new promissory note in the principal amount of
$125,000 (the "New Note"). The New Note provides for interest at the rate of 8%
per annum and is payable in 27 consecutive monthly installments of $5,000. The
Company has received monthly installments sporadically under the New Note, but
not on a current basis.

3
(iv) Phone America International, Inc.

In February 1996, the Company announced that it had entered into a
non-binding letter of intent to acquire Phone America International, Inc.
("Phone America"), an interexchange telecommunications carrier engaged in the
design, development and marketing of prepaid telephone calling cards and other
telephone products.

Concurrently with the execution of the letter of intent, the Company loaned
$50,000 to Transcends Telecom Corporation ("Transcends"), a wholly-owned
subsidiary of Phone America, for working capital purposes. The note evidencing
the loan was payable on or after August 26, 1996 upon 30 days notice. Payment of
the principal amount of the note, together with interest at the rate of 10% per
annum, was secured by a pledge of certain shares of Phone America Common Stock
as well as by a lien on accounts receivable of Transcends.

Subsequent to February 1996, the Company decided not to consummate the
foregoing transaction due to Phone America's excessive funding requirements.
Thereafter, in November 1996, following the discontinuance of operations by
Transcends and Phone America, Transcends defaulted on its note and the Company
foreclosed on its security interest in Transcend's accounts receivable. The
Company obtained a peaceful surrender of the accounts receivable and has
commenced collection proceedings against the account debtors. However, no
assurances can be given regarding the satisfaction of the full amount due to the
Company under the note.

(v) Other Business Opportunities

During 1996 and 1997, the Company explored a number of business
opportunities in connection with the acquisition and/or operation of sports
franchises and negotiated acquisition agreements in connection therewith.
Although no transactions have been consummated to date, the Company is
continuing to investigate opportunities in this industry.

(vi) General

The Company was incorporated in the State of Delaware on August 25, 1961.
The Company's principal executive offices are located at 90 Merrick Avenue, East
Meadow, New York 11554, and its telephone number at such office is (516)
794-6300.




4
(b)  Business of Issuer

(i) International Airport Hotel


Reference is made to Items 1(a)(i) and 2 hereof.

(ii) Pipe Harness Clamp

Reference is made to Item 1(a)(ii) hereof.

(iii) Other Business Opportunities

Reference is made to Item 1(a)(v) hereof.

(iv) Number of Employees

As of December 31, 1996, the Company and its subsidiaries employed 17
persons.

ITEM 2. DESCRIPTION OF PROPERTY

The executive offices of the Company are located at 90 Merrick Avenue, East
Meadow, New York where approximately 200 square feet of space are occupied on a
month-to-month basis at a monthly rental of $500.

The Hotel is leased by IAH from the Ports Authority. The annual rental
obligation for the Hotel equals the greater of $169,400 or 20% of annual gross
revenues, as defined. Total rent expense under the lease amounted to $189,610
for 1996 as compared to $191,335 for 1995.

Reference is made to Item 1(a)(i) hereof for a discussion of certain
pending litigation with regard to IAH's lease rights in the Hotel.

ITEM 3. LEGAL PROCEEDINGS

Reference is made to Item 1(a)(i) hereof for a discussion of certain
pending litigation with regard to the Hotel.

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

Not applicable.


5
PART II

ITEM 5. MARKET FOR COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

(a) Market Information

The Company's Common Stock is traded in the over-the-counter market on the
National Association of Securities Dealers' Bulletin Board under the symbol
"EXTH". The following table sets forth, for the periods indicated, the high and
low bid prices for the Company's Common Stock as reported by the National
Quotation Bureau, Inc.:

1996 Calendar Year High Low

First Quarter $1/4 $1/16
Second Quarter 7/16 1/4
Third Quarter 7/16 3/8
Fourth Quarter 3/8 3/8

1995 Calendar Year High Low

First Quarter $1/8 $1/16
Second Quarter 1/8 1/8
Third Quarter 1/8 1/16
Fourth Quarter 1/16 1/16

The above quotations reflect interdealer prices, without retail mark-up,
mark-down or commission, and may not necessarily represent actual transactions.

(b) Holders

As of March 21, 1997, there were 3,060 record holders of the Company's
Common Stock.

(c) Dividends

The Company has neither declared nor paid any cash dividends on its Common
Stock during its two most recent fiscal years and the Board of Directors does
not contemplate the payment of dividends in the foreseeable future. Any
decisions as to the future payment of dividends will depend on the earnings and
financial position of the Company and such other factors as the Board of
Directors deems relevant.

(d) Recent Sales of Unregistered Securities

Reference is made to Item 12 hereof for discussion of a private placement
of Common Stock of the Company made pursuant to Section 4(2) of the Securities
Act of 1933, as amended.

6
ITEM 6.  MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION

Results of Operations:

In 1996, the Company had total revenues of $1,118,647 and a net loss of
$5,099 as compared to revenues of $1,024,057 and a net profit of $51,229 for
1995.

Room rental and other departmental revenue for the Hotel decreased by
$13,016 (1.32%) during 1996. The net profit for the Hotel, on a "stand-alone"
basis, was $109,322 in 1996 as compared to $144,351 in 1995.

Interest income increased by $16,929 from 1995 to 1996 due to the receipt
of $800,000 in funds from the private placement of Common Stock discussed under
"Liquidity and Capital Resources".

Royalty income earned during 1996 with respect to the Pipe Harness Clamp
was $109,891 as compared to $19,214 in 1995 (see Item 1(a)(ii)).

In 1996, the Company incurred costs and expenses of $1,119,090 as compared
to $967,152 in 1995, representing an increase of $151,938. The increase was
attributable primarily to an increase of $162,079 in corporate and sundry costs
and expenses arising from the professional fees incurred in connection with,
among other things, the Company's investigation and negotiation of other
business opportunities (see Item 1(a)(v)) and an increase in the salary of an
executive officer of the Company, which increase was granted in view of the
greater amount of effort required to be expended by him in connection with the
aforementioned investigation and negotiation of business opportunities.

Reference is made to Item 1(a)(i) hereof for a discussion of a certain
litigation with the Ports Authority with regard to the Hotel.

Liquidity and Capital Resources:

As of December 31, 1996, the Company had $1,318,121 in cash and cash
equivalents as compared to $644,956 in 1995, representing an increase of
$673,165. Such increase was primarily the result of an $800,000 equity
investment made during 1996 by the President and Chairman of the Board of the
Company and another investor (see Items 5 and 12 hereof).


7
As of December  31,  1996,  the Company  had a working  capital  surplus of
$1,299,647 and had no material commitments for capital expenditures.

Reference is made to Items 1(a)(iii) and (iv) hereof for a discussion of
the status of a certain note in the principal amount of $125,000 issued by
Robeson to the Company in September 1995 and a certain note in the principal
amount of $50,000 issued by Transcends to the Company in February 1996.

Reference is also made to Item 1(a)(i) hereof for a discussion of certain
litigation with the Ports Authority with regard to the Hotel.

ITEM 7. FINANCIAL STATEMENTS

The financial statements required by this Item 7 are included in this
Annual Report on Form 10-KSB following Item 13 hereof.

ITEM 8. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
FINANCIAL DISCLOSURE

There were no changes in accountants due to disagreements on accounting and
financial disclosure during the twenty-four month period ended December 31,
1996.



8
PART III

ITEM 9. DIRECTORS, EXECUTIVE OFFICERS, PROMOTERS AND CONTROL PERSONS;
COMPLIANCE WITH SECTION 16(a) OF THE EXCHANGE ACT

Directors and Executive Officers

The following table sets forth the positions and offices presently held
with the Company by each Director and executive officer, his age and the year
from which such person's service on the Company's Board of Directors dates:


Positions and Offices Director
Name Age held with the Company Since
---- --- --------------------- -----

Jay M. Haft 61 Chairman of the Board 1989
Morton L. Certilman 65 President and Director 1989
Leon Lapidus 52 Director 1989
Brian K. Ziegler 42 Secretary and Treasurer --

Jay M. Haft has served as the Company's Chairman of the Board since October
1989. Mr. Haft has been engaged in the practice of law for more than the past
five years and serves as counsel to Parker Duryee Rosoff & Haft. He was
previously a senior corporate partner of such firm (1989-1994). Mr. Haft is a
strategic and financial consultant for growth stage companies. He is active in
international corporate finance, mergers and acquisitions, as well as in the
representation of emerging growth companies. He has actively participated in
strategic planning and fund raising for many high-tech companies, leading edge
medical technology companies and technical product, service and marketing
companies. Mr. Haft is a Managing General Partner of Venture Capital Associates,
Ltd. and Gen Am "1" Venture Fund, a domestic and an international venture
capital fund, respectively. Mr. Haft is also a Director of numerous public and
private corporations, including Robotic Vision Systems, Inc., Noise Cancellation
Technologies, Inc., Encore Medial Corporation, Viragen, Inc., PC Service Source,
Inc., DUSA Pharmaceuticals, Inc., Oryx Technology Corp. and Jenna Lane, Inc.,
all of whose securities are traded in the over- the-counter market, and serves
as Chairman of the Board of Noise Cancellation Technologies, Inc., and Jenna
Lane, Inc. Mr. Haft is a member of the Florida Commission for Government
Accountability to the People, Co-President of the Dade Venue of the Miami Ballet
and a Director of the Concert Association of Florida. Mr. Haft received B.A. and
L.L.B. degrees from Yale University.


9
Morton L.  Certilman  has served as the Company's  President  since October
1989. Mr. Certilman has been engaged in the practice of law for more than the
past five years and is a member of the law firm of Certilman Balin Adler &
Hyman, LLP. Mr. Certilman is Chairman of the Long Island Regional Planning
Board, the Northrop/Grumman Master Planning Council and a Director of the Long
Island Association, the New Long Island Partnership and the Long Island Sports
Commission. Mr. Certilman has lectured extensively before bar associations,
builders' institutes, title companies, real estate institutes, banking and law
school seminars, The Practicing Law Institute, The Institute of Real Estate
Management and at annual conventions of such organizations as the National
Association of Home Builders, the Community Associations Institute and the
National Association of Corporate Real Estate Executives. He is a member of the
faculty of the American Law Institute/American Bar Association, as well as the
Institute on Condominium and Cluster Developments of the University of Miami Law
Center. Mr. Certilman has written various articles in the condominium field, is
the author of the New York State Bar Association Condominium Cassette and the
Condominium portion of the State Bar Association book on "Real Property Titles",
and is the editor of the New York Land Report. Mr. Certilman is a member of the
Advisory Board of First American Title Insurance Company of New York and the
American College of Real Estate Lawyers. Mr. Certilman received an L.L.B.
degree, cum laude, from Brooklyn Law School.

Leon Lapidus has been the President of the Mibro Group, a privately held
importer, packager and distributor of hardware, for more than the past five
years. Mr. Lapidus received a B.A. degree from Hunter College and an M.B.A.
degree from the Bernard M. Baruch College of the City of New York. Mr. Lapidus
is the brother-in-law of Mr. Haft.

Brian K. Ziegler has been engaged in the practice of law for more than the
past five years and is a member of the law firm of Certilman Balin Adler &
Hyman, LLP. Mr. Ziegler received a B.S. degree, cum laude, from the Wharton
School of the University of Pennsylvania, and a J.D. degree and an L.L.M. degree
in Taxation from the University of Miami. Mr. Ziegler is the son- in-law of Mr.
Certilman.

Each Director will hold office until the next Annual Meeting of
Stockholders and until his successor is elected and qualified, or until his
earlier resignation or removal. Each executive officer will hold office until
the next regular meeting of the Board of Directors following the next Annual
Meeting of Stockholders and until his successor is elected or appointed and
qualified, or until his earlier resignation or removal.

Section 16(a) Beneficial Ownership Reporting Compliance

To the Company's knowledge, based solely on a review of the copies of Forms
3 and 4 furnished to the Company and written representations that no other
reports were required, during the fiscal year ended December 31, 1996, all
Section 16(a) filing requirements applicable to the Company's officers,
Directors and 10% stockholders were complied with, except that Brian K. Ziegler,
Treasurer and Secretary of the Company, inadvertently failed on a timely basis
to file a Form 5 for a certain gift transaction. This was Mr. Ziegler's first
late filing in connection with Section 16(a) filing requirements.

10
ITEM 10. EXECUTIVE COMPENSATION

(a) Summary Compensation Table

The following table sets forth certain information concerning the
compensation of Morton L. Certilman, President of the Company, for the fiscal
years ended December 31, 1994, 1995 and 1996. No other person who served as an
executive officer of the Company as of December 31, 1996 had a total salary and
bonus for the year then ended in excess of $100,000.

Annual
Compensation
Name and Principal All Other
Position Year Salary Compensation

Morton L. Certilman, 1996 $101,250 -0-*
President 1995 $50,000 -0-*
1994 $40,000 -0-*

____________

* Excludes fees payable during 1994, 1995 and 1996 by the Company to
Certilman Balin Adler & Hyman, LLP, a law firm of which Mr. Certilman
is a member.

(b) Option Grants

No grants of stock options were made to Mr. Certilman during the fiscal
year ended December 31, 1996.

(c) Aggregated Option Exercises and Fiscal Year-End Option Value

Mr. Certilman did not exercise any options during the year ended December
31, 1996 and held no options as of such date.

(d) Long-Term Incentive Plan Awards

No awards were made to Mr. Certilman during the fiscal year ended December
31, 1996 under any long-term incentive plan.



11
(e)  Compensation of Directors

Each Director is entitled to receive a $500 fee for each Directors' meeting
he attends. In addition, Directors are reimbursed for travel expenses incurred
in connection with attendance at such meetings.

(f) Employment Contracts, Termination of Employment and Change-in-Control
Arrangements

Not applicable.

ITEM 11. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

The following table sets forth certain information as of March 27, 1997
regarding the beneficial ownership of the Company's shares of Common Stock by
(i) each person who is known by the Company to beneficially own or exercise
voting or dispositive control over more than 5% of the Company's Common Stock,
(ii) each present Director and (iii) all of the Company's present executive
officers and Directors as a group:

Approximate
Name and Address Number of Shares Percentage
of Beneficial Owner Beneficially Owned of Class

Morton L. Certilman............ 2,611,893(1)(2)(3) 46.7%
The Financial Center
at Mitchel Field
90 Merrick Avenue
East Meadow, New York

Adam R. Lieberman.................. 1,800,000(2)(4) 32.2%
125 Baylis Road
Melville, New York

Jay M. Haft.................... 910,393(1)(5) 16.3%
201 S. Biscayne Blvd.
Suite 3000
Miami, Florida

Leon Lapidus................... 20,000 *
111 Sinnott Road
Scarborough Ontario
M1L 4S6 Canada

All executive officers
and Directors as a group
(4 persons).................... 3,587,286(3)(5)(6) 64.2%

12
*       Less than 1%.

(1) Messrs. Certilman and Haft have previously filed a Schedule 13D and
amendments thereto under the Securities Exchange Act of 1934, as
amended, with respect to their respective equity interests in the
Company. In view of their intention to consult with each other with
respect to the acquisition, voting and disposition of their respective
shares, Messrs. Certilman and Haft may be deemed a group. Accordingly,
the group of Messrs. Certilman and Haft beneficially owns 3,522,286
shares of Common Stock. Such amount represents approximately 63.0% of
the outstanding shares of Common Stock of the Company. However, each of
Messrs. Certilman and Haft independently makes his own decisions with
respect to the acquisition, voting and disposition of the shares of
Common Stock directly owned by him. Further, neither Mr. Certilman nor
Mr. Haft has any economic interest in the shares of Common Stock
directly owned by the other.

(2) Pursuant to a certain Amended and Restated Voting Trust Agreement,
dated as of December 30, 1996, between Sterling Foster Holding Corp.
("SFHC") and Mr. Certilman, as voting trustee (the "Voting Trust
Agreement"), SFHC transferred voting control over all 1,800,000 shares
of Common Stock of the Company it presently owns to Mr. Certilman
during the three year term of the Voting Trust Agreement.

(3) Includes 1,800,000 shares held by Mr. Certilman pursuant to the Voting
Trust Agreement and 360,000 shares held in a retirement trust for his
benefit.

(4) The shares are registered in the name of SFHC; Mr. Lieberman is the
beneficial owner of these shares by reason of his position as President
and sole stockholder of SFHC.

(5) Includes 12,500 shares held in a retirement trust for the benefit of
Mr. Haft.

(6) Includes 5,000 shares held in a retirement trust for the benefit of an
executive officer and 20,000 shares held by such executive officer's
wife. Such executive officer disclaims beneficial ownership of the
shares owned by his wife.

ITEM 12. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

Pursuant to a certain Subscription Agreement, dated June 3, 1996, by and
between the Company, Mr. Certilman, Mr. Haft, and SFHC, the Company issued
3,200,000 shares of Common Stock at a price of $0.25 per share (the "Offering")
for a total subscription price of $800,000. Of such amount, $450,000 was paid by
SFHC for the purchase of 1,800,000 shares and $175,000 was paid by each of Mr.
Haft and Mr. Certilman for the purchase of 700,000 shares each. The proceeds of
the Offering were intended to be used in connection with the business
opportunities described in Item 1(a)(v) hereof.

13
Certilman Balin Adler & Hyman,  LLP, a law firm of which Mr. Certilman is a
member, serves as counsel to the Company. It is presently anticipated that such
firm will continue to represent the Company and/or its affiliates and will
receive fees for its services at rates and in amounts not greater than would be
paid to unrelated law firms performing similar services.

ITEM 13. EXHIBITS, LIST AND REPORTS ON FORM 8-K

(a) Exhibits

Exhibit
Number Description of Exhibit
- ------ ----------------------

3(a) Certificate of Incorporation, as amended(1)

3(b) By-laws, as amended(2)

9 Amended and Restated Voting Trust Agreement, dated December 30, 1996,
among Sterling Foster Holding Corp. and Morton L. Certilman, as voting
trustee.

10(a) Agreement, dated July 22, 1988, between the Ports Authority and IAH(1)

10(b) Resolution of Board of Directors of Ports Authority, dated August 10,
1994, regarding rental obligation of the Hotel(3)

10(c) Amended and Restated 1990 Stock Option Plan(1)

10(d) License and Royalty Agreement, dated July 1991, among the Company,
IFTI Capital Appreciation Management Corporation, and NPS Products,
Inc.(4)

10(e) Subscription Agreement, dated as of June 3, 1996, between Mr.
Certilman, Mr. Haft, SFHC and the Company (5)

21 Subsidiaries of the Registrant(4)

27 Financial Data Schedule.

__________
(1) Denotes document filed as an exhibit to the Company's Annual Report on
Form 10-KSB for the year ended December 31, 1993 and incorporated
herein by reference.

(2) Denotes document filed as an exhibit to the Company's Annual Report on
Form 10-KSB for the year ended December 31, 1989 and incorporated
herein by reference.

(3) Denotes document filed as an exhibit to the Company's Annual Report on
Form 10-KSB for the year ended December 31, 1994 and incorporated
herein by reference.

(4) Denotes document filed as an exhibit to the Company's Annual Report on
Form 10-K for the year ended December 31, 1991 and incorporated herein
by reference.

(5) Denotes document filed as an exhibit to the Company's Current Report on
Form 8-K for an event dated June 3, 1996 and incorporated herein by
reference.

14
(b)  Reports on Form 8-K

No report on Form 8-K was filed by the Company during the last quarter of
the fiscal year ended December 31, 1996.


15
EXTECH CORPORATION AND SUBSIDIARIES

REPORT ON AUDITS OF
CONSOLIDATED FINANCIAL STATEMENTS

TWO YEARS ENDED DECEMBER 31, 1996
INDEX

Page

Independent auditors' report F-2


Consolidated balance sheet F-3


Consolidated statements of operations F-4


Consolidated statement of stockholders' equity F-5


Consolidated statements of cash flows F-6


Notes to consolidated financial statements F-7 - F-10
CONSOLIDATED FINANCIAL STATEMENTS
Report of Independent Certified Public Accountants




Board of Directors and Stockholders
EXTECH CORPORATION
East Meadow, New York

We have audited the accompanying consolidated balance sheet of EXTECH
CORPORATION and Subsidiaries as of December 31, 1996 and the related
consolidated statements of operations, stockholders' equity and cash flows for
each of the years in the two-year period ended December 31, 1996. These
consolidated financial statements are the responsibility of the Company's
management. Our responsibility is to express an opinion on these consolidated
financial statements based on our audits.

We conducted our audits in accordance with generally accepted auditing
standards. 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 audit includes examining, on a test basis, evidence supporting
the amounts and disclosures in the financial statements. An audit also includes
assessing the accounting principles used and significant estimates made by
management, as well as evaluating the overall financial statement presentation.
We believe that our audit provides a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present
fairly, in all material respects, the financial position of EXTECH CORPORATION
and Subsidiaries as of December 31, 1996 and the results of their operations and
their cash flows for each of the years in the two-year period ended December 31,
1996 in conformity with generally accepted accounting principles.





HOLTZ RUBENSTEIN & CO., LLP


Melville, New York
February 25, 1997





F-2
EXTECH CORPORATION AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEET

DECEMBER 31, 1996

ASSETS
------

CURRENT ASSETS:
Cash and cash equivalents $1,318,121
Accounts receivable, net of allowance for doubtful
accounts of approximately $500 50,591
Notes receivable, net of allowance for doubtful accounts
of approximately $48,000 (Note 4) 81,856
Inventories 6,400
Prepaid expenses and other current assets 122,479
-------
Total current assets 1,579,447

PROPERTY AND EQUIPMENT, net (Note 3) 153,595

OPERATING EQUIPMENT, net 9,529

$1,742,571
==========

LIABILITIES AND STOCKHOLDERS' EQUITY
------------------------------------

CURRENT LIABILITIES:
Accounts payable $ 1,974
Accrued expenses (Notes 5 and 6) 123,626
Debentures payable (Note 7) 154,200
-------
Total current liabilities 279,800

MINORITY INTEREST 560

COMMITMENT AND CONTINGENCY (Note 10)

STOCKHOLDERS' EQUITY: (Note 11)
Common stock, $.01 par value; authorized 10,000,000 shares;
issued and outstanding 5,591,367 shares 55,914
Capital in excess of par 5,264,950
Deficit (3,858,653)
----------
1,462,211

$1,742,571
==========

See notes to consolidated financial statements

F-3
EXTECH CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

Years Ended
December 31,
------------
1996 1995
---- ----
REVENUES: (Note 13)
Rooms $ 936,976 $ 924,381
Other operating departments 32,958 58,569
Interest, net 38,822 21,893
Royalty income 109,891 19,214
------- ------

Total revenues 1,118,647 1,024,057
--------- ---------

COSTS AND EXPENSES:
Administrative and general 124,697 111,234
Bad debt (recovery) (21,174) 5,195
Corporate and sundry (Note 8) 352,225 190,146
Departmental 380,711 381,192
Depreciation and amortization 51,544 51,901
Energy costs 14,285 16,701
Lease rentals (Note 10) 189,610 191,335
Property operation and maintenance 26,605 18,761
Real estate and personal property taxes 587 687
------- -------

Total costs and expenses 1,119,090 967,152
--------- -------

(LOSS) INCOME BEFORE INCOME TAXES (443) 56,905

INCOME TAXES (Note 9) 4,656 5,676
----- -----

NET (LOSS) INCOME $ (5,099) $ 51,229
====== ======

(LOSS) INCOME PER COMMON SHARE (Note 12) $ (.001) $.02
===== ====

WEIGHTED AVERAGE NUMBER OF SHARES
OF COMMON STOCK OUTSTANDING (Note 12) 4,236,176 2,391,367
========= =========


See notes to consolidated financial statements

F-4
EXTECH CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY

<TABLE>
<CAPTION>
Capital
Common Stock in Excess
Shares Amount of Par Deficit Total
------ ------ ------ ------- -----
<S> <C> <C> <C> <C> <C>
Balance, January 1, 1995 2,391,367 $ 23,914 $4,496,950 $(3,904,783) $ 616,081

Net income for the year - - - 51,229 51,229
--------- ------ --------- --------- -------

Balance, December 31, 1995 2,391,367 23,914 4,496,950 (3,853,554) 667,310

Issuance of stock 3,200,000 32,000 768,000 - 800,000

Net loss for the year - - - (5,099) (5,099)
--------- ------ --------- --------- -------

Balance, December 31, 1996 5,591,367 $ 55,914 $5,264,950 $(3,858,653) $1,462,211
========= ====== ========= ========= =========


</TABLE>




See notes to consolidated financial statements

F-5
EXTECH CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS
<TABLE>
<CAPTION>
Years Ended
December 31,
------------

1996 1995
---- ----
<S> <C> <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
Net (loss) income ....................... $ (5,099) $ 51,229
Adjustments to reconcile net (loss) income to net
cash (used in) provided by operating activities:
Depreciation and amortization 51,544 51,901
Bad debts (20,948) 5,195
Changes in operating assets and liabilities:
(Increase) decrease in assets:
Accounts receivable 1,830 (1,048)
Inventories 790 4,514
Prepaid expenses and other assets (115,592) 36,544
Increase (decrease) in liabilities:
Accounts payable (1,582) (632)
Accrued expenses (15,875) 2,484
------- -----
Net cash (used in) provided by operating activities (104,932) 150,187
-------- -------

CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of property and equipment (175) (4,425)
Notes receivable - net (21,728) 16,835
------- ------
Net cash (used in) provided by investing activities (21,903) 12,410
------- ------

CASH FLOWS FROM FINANCING ACTIVITIES:
Issuance of common stock 800,000 -
------- -------
Net cash provided by financing activities 800,000 -
------- -------

Net increase in cash and cash equivalents 673,165 162,597

Cash and cash equivalents, beginning of year 644,956 482,359
------- -------

Cash and cash equivalents, end of year $1,318,121 $644,956
========= =======
</TABLE>




See notes to consolidated financial statements

F-6
EXTECH CORPORATION AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

YEARS ENDED DECEMBER 31, 1996 AND 1995


1. Summary of Significant Accounting Policies:

a. Description of business

The Company's operations are within one industry as lodging sales and
related revenues accounted for substantially all revenues during the two-year
period ended December 31, 1996.

b. Principles of consolidation

The consolidated financial statements include the accounts of the
Company, its wholly-owned subsidiaries and a 90% owned inactive subsidiary. All
intercompany transactions and balances have been eliminated.

c. Inventories

Inventories, consisting of merchandise and supplies, are stated at the
lower of cost or market. Cost is determined on a first-in, first-out basis.

d. Property and equipment

Property and equipment are stated at cost. Depreciation is provided
using the straight-line method over the estimated useful lives of the related
assets. Leasehold improvements are being amortized using the straight-line
method over the remaining term of the lease.

e. Concentration of credit risk

The Company invests its excess cash in deposits and money market
accounts with major financial institutions. The Company has not experienced
losses related to these investments.

f. Statement of cash flows

For purposes of the statement of cash flows, the Company considers all
highly liquid debt instruments with a maturity of three months or less, as well
as bank money market accounts, to be cash equivalents.

g. Estimates

The preparation of financial statements in conformity with generally
accepted accounting principles requires management to make estimates and
assumptions that affect the reported amounts of assets and liabilities and
disclosure of contingent assets and liabilities at the date of the financial
statements and the reported amounts of revenues and expenses during the
reporting period Actual results could differ from those estimates.

2. Supplementary Information - Statement of Cash Flows:

Cash paid for income taxes was $7,141 and $5,452 during the years ended
December 31, 1996 and 1995, respectively.


F-7
3.     Property and Equipment:

At December 31, 1996, property and equipment consists of the following:

Furniture, fixtures and equipment $360,360
Leasehold improvements 134,384
-------
494,744
Less accumulated depreciation and amortization 341,149
-------
$153,595
=======

4. Notes Receivable:

a. During the period December 1992 to March 1993, the Company entered
into various loans with Robeson Industries Corp. ("Robeson") (an unrelated third
party) in the aggregate amount of $320,000. The notes were secured by a pledge
of all of the issued and outstanding shares of Robeson Industries Hong Kong Ltd.
("Robeson Hong Kong"). In May 1993, Robeson filed a petition for bankruptcy
under Chapter 11 of the Bankruptcy Act. In September 1993, the Company filed a
proof of claim in such proceeding as a secured creditor to recover such
advances, related accrued interest and other costs.

In September 1994, pursuant to a Plan of Reorganization (the "Plan"),
Robeson issued to the Company a promissory note (the "Note") in the principal
amount of $385,000. The Note provided for the payment of interest at the rate of
8% per annum and the repayment of principal in 48 consecutive monthly
installments. Such installments were to cover an aggregate of 5% of the
principal amount of the Note during the initial six months, an additional 7.5%
thereof during the following six months, an additional 37.5% thereof during the
following 12 months, an additional 25% thereof during the following 12 months
and the final 25% thereof during the last 12 months of the Note. The Note was
secured by all the outstanding shares of capital stock of Robeson's wholly-owned
Hong Kong subsidiary. In addition, pursuant to the Plan, the Company received a
nominal minority equity interest in Robeson.

The first three payments under the Note were received by the Company
in October, November and December 1994. Effective January 1995, Robeson ceased
making payments under the Note. In March 1995, the Company demanded full payment
of the Note, foreclosed its security interest with respect to the Hong Kong
stock and purchased such shares at an auction sale. In September 1995, the
Company agreed to cancel the Note in consideration for the issuance by Robeson
of a new promissory note in the principal amount of $125,000 (the "New Note").
The New Note provides for interest at the rate of 8% per annum and is payable in
27 consecutive monthly installments of $5,000.

b. In February 1996, the Company signed a letter of intent to acquire
Phone America International, Inc. ("Phone America"), an interexchange
telecommunications carrier engaged in the design, development and marketing of
prepaid telephone calling cards and other telephone products. Additionally, the
Company advanced $50,000 to Transcends Telecom Corporation ("Transcends"), a
wholly-owned subsidiary of Phone America, and entered into a Loan and Security
Agreement. Subsequent to February 1996, the Company decided not to pursue this
acquisition. Thereafter, in November 1996, Transcends defaulted on its note and
the Company foreclosed on its security interest in Transcend's accounts
receivable. The Company obtained a peaceful surrender of the accounts receivable
and has commenced collection proceedings against the account debtor.


F-8
5.     Accrued Expenses:

At December 31, 1996, accrued expenses consists of the following:

Rent $ 63,965
Professional fees 14,200
Payroll and related costs 15,836
Deferred compensation (Note 6) 14,100
Room tax 7,082
Other 8,443
-----

$123,626
========
6. Deferred Compensation:

The Company has an agreement to pay special compensation to certain
employees who at the date of retirement have accumulated 20 years of
uninterrupted service. Maximum amount payable per employee is $3,000. At the
effective date, there were seven employees covered by this plan, four of them
with 15 years of accumulated service. The accrual is being done pro-ratably from
the inception of the plan to the date each employee is eligible for benefits. At
December 31, 1996, there was $14,100 shown as accrued expenses payable.

7. Debentures Payable:

In 1971, the Company, pursuant to a plan of arrangement, issued a series
of debentures which matured in 1977. As of December 31, 1996, $154,200 of these
debentures have not been presented for payment. Accordingly, this balance has
been included as a current liability in the accompanying consolidated balance
sheet. Interest has not been accrued on the remaining debentures payable. In
addition, no interest or other charges have been accrued with regard to any
escheat obligation of the Company.

8. Related Party Transaction:

During the years ended December 31, 1996 and 1995, the Company leased its
corporate office facility from a partnership of which a stockholder/officer is a
member. Rent expense amounted to $6,000 for each of the years ended December 31,
1996 and 1995.

9. Income Taxes:

The 1996 and 1995 income of IAH, Inc., a wholly-owned subsidiary has been
calculated excluding the loss of EXTECH, as it is separately taxed under the
laws of Puerto Rico. A provision of $4,656 and $5,676, respectively, has been
made for this tax liability.

For federal income taxes, the Company has a net operating loss
carryforward of approximately $613,000 available to offset future taxable income
and approximately $1,500,000 of capital loss carryforwards available to offset
future capital gains. In addition, the Company has general business tax credit
carryforwards available to reduce future income taxes of approximately $33,000.
If not utilized, these credits are scheduled to expire in various amounts
through 2010. The Company incurred operating losses during the past four years
and losses are expected in the early subsequent periods. As a result, the
Company has not recorded a deferred tax asset in 1996 due to the fact that a
100% valuation allowance would be needed.

10. Commitment and Contingency:

IAH, Inc. leases the International Airport Hotel property pursuant to an
operating lease with the Puerto Rico Ports Authority ("Ports Authority"), which
expired in December 1995. IAH is of the belief that pursuant to a supplemental
lease agreement, it retained the option to continue the lease for a period of
five years to December 31, 2000. The lease agreement provides for the annual
rental payments to be equal to the greater of $169,400 or 20% of the annual
gross revenues, as defined, effective January 1, 1994. Total rent expense under
this lease amounted to $189,610 for 1996 and $191,335 for 1995.

F-9
10.    Commitment and Contingency:  (Cont'd)

Based upon IAH's refusal to acknowledge that, effective January 1, 1996,
it occupied the Hotel on a month-to-month basis, in February 1996, the Ports
Authority requested that IAH vacate, surrender and deliver the premises by
February 29, 1996. Following the receipt of such request, IAH brought an action
in the Superior Court of San Juan, Puerto Rico for declaratory judgment and
possessory injunction against the Ports Authority with respect to the Hotel. The
action seeks a declaratory judgment that, among other alternatives, IAH
exercised an option with respect to its lease for the Hotel for an extension of
the term of five years commencing on January 1, 1996 or that the Ports Authority
executed a new lease agreement for a ten year period commencing on such date.

11. Stockholders' Equity:

a. Stock options

The Company maintains a stock option plan which provides for the
granting of options to individuals rendering service to the Company to purchase
up to 300,000 shares of common stock of the Company. Such options may be either
incentive stock options or non-statutory stock options.
No options have been granted as of December 31, 1996.

b. Common shares reserved

Stock Option Plan 300,000
=======

12. (Loss) Income Per Share:

Net (loss) income per common share was computed using the weighted
average number of shares of common stock outstanding during each period
presented.

13. Major Customer:

Sales to a major customer approximated 27% and 15% of total room sales
for the years ended December 31, 1996 and 1995, respectively.

14. Fair Value of Financial Instruments:

The methods and assumptions used to estimate the fair value of the
following classes of financial instruments were:

Current Assets and Current Liabilities: The carrying amount of cash
and temporary cash investments, current receivables and payable and
certain other short-term financial instru ments approximate their fair
value.

The carrying amount and fair value of the Company's financial instruments
at December 31, 1996 are as follows:
Carrying Fair
Amount Value
------ -----

Cash and cash equivalents $1,318,121 $1,318,121
Accounts receivables 50,591 50,591
Notes receivable 81,856 81,856
Debentures payable 154,200 154,200
Other current liabilities 125,600 125,600



F-10
SIGNATURES


In accordance with Section 13 or 15(d) of the Securities Exchange Act
of 1934, the registrant caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.


EXTECH CORPORATION


Dated: April 15, 1997 By: /s/ Morton L. Certilman
-----------------------
Morton L. Certilman,
President

In accordance with the Securities Exchange Act of 1934, this report has
been signed below by the following persons on behalf of the registrant and in
the capacities and on the dates indicated.

Signatures Capacity Date
---------- -------- ----

Chairman of the Board
/s/Jay M. Haft of Directors April 15, 1997
- ----------------------
Jay M. Haft
President and Director
(Principal Executive,
Financial and Accounting
/s/Morton L. Certilman Officer) April 15, 1997
- ----------------------
Morton L. Certilman

/s/ Leon Lapidus Director April 15, 1997
- ----------------
Leon Lapidus