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Pangaea Logistics Solutions, Ltd.

panl · NASDAQ Industrials
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Industry Marine Shipping
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FY2023 Annual Report · Pangaea Logistics Solutions, Ltd.
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 10-K

☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2023
 OR

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Commission File Number: 001-36798

PANGAEA LOGISTICS SOLUTIONS, LTD.
(Exact Name of Registrant as Specified in Its Charter)

Bermuda
(State or Other Jurisdiction of Incorporation or
Organization)

c/o Phoenix Bulk Carriers (US) LLC
109 Long Wharf, Newport, RI 02840
(Address of Principal Executive Offices)

Securities registered pursuant to Section 12(b) of the Act: 

98-1205464
(I.R.S. Employer Identification Number)

(401) 846-7790
(Registrant’s Telephone Number, Including Area Code)

Title of each class

Common Shares, $0.0001 par value

Trading Symbol(s)

PANL

Name of each exchange on which registered

The Nasdaq Stock Market LLC

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☐  No ☒ 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Exchange Act.     Yes ☐  No ☒ 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Exchange Act of 1934 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 requirement for the past 90 days.     Yes ☒  No ☐ 

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to
Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).     Yes ☒ No ☐  

Indicate by check mark if disclosure of delinquent filers in response to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of the registrant’s knowledge, in
definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. ☒ 

Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See definition of “accelerated filer” and “large
accelerated filer” in Rule 12b-2 of the Exchange Act. (Check one): 

Large accelerated Filer
Non-accelerated Filer

☐
☐

Accelerated Filer
Smaller reporting company
Emerging growth company

☒
☒
☐

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section
404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒ 

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to
previously issued financial statements. ☐

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive
officers during the relevant recovery period pursuant to §240.10D-1(b). ☐

 
 
 
 
 
 
 
 
 
 
 
  
                                                                                                                                               
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).     Yes ☐    No 

The aggregate market value of the registrant's Common Stock held by non-affiliates at June 30, 2023 was approximately $244.9 million based on the Nasdaq closing price for such shares on that
date. The registrant has no non-voting common equity.

As of March 12, 2024, 46,721,228 shares of Common Shares, $0.0001 par value per share were outstanding.

2

 
 
PART I

PART II

PART III

ITEM 1.
ITEM 1A.
ITEM 1B.
ITEM 2.
ITEM 3.
ITEM 4.

ITEM 5.

ITEM 6.
ITEM 7.

ITEM 7A.
ITEM 8.
ITEM 9.

ITEM 9A.
ITEM 9B.
ITEM 9C.

ITEM 10.
ITEM 11.
ITEM 12.

ITEM 13.
ITEM 14.
ITEM 15.

TABLE OF CONTENTS

BUSINESS
RISK FACTORS
UNRESOLVED STAFF COMMENTS
PROPERTIES
LEGAL PROCEEDINGS
MINE SAFETY DISCLOSURES

MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER
PURCHASES OF EQUITY SECURITIES
SELECTED FINANCIAL DATA
MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF
OPERATIONS
QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL
DISCLOSURE
CONTROLS AND PROCEDURES
OTHER INFORMATION
ITEM 9C. DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS.

DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
EXECUTIVE COMPENSATION
SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED
STOCKHOLDER MATTERS
CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE
PRINCIPAL ACCOUNTANT FEES AND SERVICES
EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

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F-1

 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
In this Annual Report on Form 10-K (this “Form 10-K”), references to “the Company,” “we,” “us” and “our” refer to Pangaea Logistics Solutions Ltd
and its subsidiaries.

SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS

Our disclosure and analysis in this Annual Report on Form 10-K pertaining to our operations, cash flows and financial position, including, in particular, the
likelihood  of  our  success  in  developing  and  expanding  our  business,  include  forward-looking  statements  within  the  meaning  of  the  Private  Securities
Litigation Reform Act of 1995. Statements that are predictive in nature, that depend upon or refer to future events or conditions, or that include words such
as “expects,” “anticipates,” “intends,” “plans,” “believes,” “estimates,” “projects,” “forecasts,” “may,” “should” and similar expressions are forward-looking
statements.

All statements in this Form 10-K that are not statements of either historical or current facts are forward-looking statements. Forward-looking statements
include, but are not limited to, such matters as:

•

•

•

•

•

•

•

•

our future operating or financial results;

our  ability  to  charter-in  vessels  and  to  enter  into  COAs  ("Contract  of  Affreightment"),  voyage  charters,  time  charters  and  forward  freight
agreements, and the performance of our counterparties in such contracts;

our  financial  condition  and  liquidity,  including  our  ability  to  obtain  financing  in  the  future  to  fund  capital  expenditures,  acquisitions  and  other
general corporate activities;

our expectations of the availability of vessels to purchase, the time it may take to construct new vessels, and vessels’ useful lives;

competition in the drybulk shipping industry;

our business strategy and expected capital spending or operating expenses, including drydocking and insurance costs and the ability to expand our
presence in logistics trades and custom supply chain management;

global and regional economic and political conditions and sanctions, including war and piracy; and

statements about shipping market trends, including charter rates and factors affecting supply and demand.

Many  of  these  statements  are  based  on  our  assumptions  about  factors  that  are  beyond  our  ability  to  control  or  predict  and  are  subject  to  risks  and
uncertainties that are described more fully under the “Risk Factors” section of this Form 10-K. Any of these factors or a combination of these factors could
materially affect our future results of operations and the ultimate accuracy of the forward-looking statements. Factors that might cause future results to differ
include, but are not limited to, the following:

•

•

•

•

•

•

•

changes in governmental rules and regulations or actions taken by regulatory authorities;

cybersecurity threats, including the potential misappropriation of assets or sensitive information, corruption of data or operational disruption;

changes in economic and competitive conditions affecting our business, including market fluctuations in charter rates and charterers’ abilities to
perform under existing time charters;

potential liability from future litigation and potential costs due to environmental damage and vessel collisions;

the impact of sanctions on movement of commodities and demand for supply of drybulk vessels;

the length and number of off-hire periods; and

other factors discussed under the “Risk Factors” section of this Form 10-K.

You should not place undue reliance on forward-looking statements contained in this Annual Report on Form 10-K because they are statements about events
that  are  not  certain  to  occur  as  described  or  at  all.  All  forward-looking  statements  in  this  Form  10-K  are  qualified  in  their  entirety  by  the  cautionary
statements contained in this Form 10-K. These forward-looking statements

4

  
 
 
 
 
are not guarantees of our future performance, and actual results and future developments may vary materially from those projected in the forward-looking
statements.

Except  to  the  extent  required  by  applicable  law  or  regulation,  we  undertake  no  obligation  to  release  publicly  any  revisions  to  these  forward-looking
statements to reflect events or circumstances after the date of this Form 10-K or to reflect the occurrence of unanticipated events.

PART I.

ITEM 1. BUSINESS

Introduction

Pangaea  Logistics  Solutions  Ltd.  and  its  subsidiaries  (collectively,  “Pangaea”  or  the  “Company”)  provides  seaborne  drybulk  logistics  and  transportation
services as well as terminal and stevedoring services. Pangaea utilizes its logistics expertise to service a broad base of industrial customers who require the
transportation of a wide variety of drybulk cargoes, including grains, coal, iron ore, pig iron, hot briquetted iron, bauxite, alumina, cement clinker, dolomite
and limestone. The Company addresses the logistics needs of its customers by undertaking a comprehensive set of services and activities, including cargo
loading, cargo discharge, port and terminal operations, vessel chartering, voyage planning, and vessel technical management.

Business overview and Recent Developments

The  Company  provides  ocean  transportation  services  to  clients  utilizing  an  ocean-going  fleet  of  motor  vessels  ("m/v")  in  the  Handymax,  Supramax,
Ultramax and Panamax and Post-Panamax segments. At any time, this fleet may be comprised of a total of 45-60 vessels that are owned or chartered-in on a
short-term basis. During 2023, the Company operated 26 vessels which were wholly-owned or partially-owned through joint ventures. The Company uses
this fleet to transport approximately 22 million tons of cargo annually to nearly 225 ports around the world, averaging approximately 46 vessels in service
daily in 2023 and 49 during 2022.

The Company’s port, projects, and logistics services include cargo loading, cargo discharge, and port and terminal services to vessel and cargo owners. Our
logistics capabilities provide a wide array of services which allow our customers to extend their own services, to more efficiently transport their cargo, and
to  extend  relationships  with  their  own  suppliers  and  customers.  For  some  customers,  the  Company  acts  as  their  ocean  logistics  department,  providing
scheduling,  terminal  operations,  port  services,  and  marketing  functions.  The  Company  has  worked  with  other  customers  on  design,  construction,  and
operation of loading and discharge facilities.

In  addition,  the  Company  focuses  on  fixing  cargo  and  cargo  contracts  for  transportation  on  backhaul  routes.  Backhaul  routes  position  vessels  for  cargo
discharge  in  typical  loading  areas.  Backhaul  routes  allow  us  to  reduce  ballast  days  and  instead  earn  revenues  at  times  and  on  routes  that  are  typically
traveled without paying cargo.

The Company is a leader in the high ice class sector, supported by its operation of the world's largest fleet of dry bulk vessels over 60,000 dwt with Ice-
Class 1A designation. High ice class trading includes service in ice-restricted areas in the Northern Hemisphere during both the winter (Baltic Sea and Gulf
of St. Lawrence) and summer (Arctic Ocean). Trading during the ice seasons have historically provided superior profit margins, rewarding the Company for
its investment in the specialized ships and the expertise it has developed working in these harsh environments.

The Company derives substantially all of its revenue from contracts of affreightment, “COAs”, voyage charters, and time charters. The Company transports
a wide range of fundamental global commodities including grains, coal, iron ore, pig iron, hot briquetted iron, bauxite, alumina, cement clinker, dolomite,
limestone, and other minor bulk cargo.

The Company’s COAs typically extend for a period of one to five years, although some extend for longer periods. A voyage charter is a contract for the
carriage of a specific amount and type of cargo on a load port to discharge port basis, subject to various cargo handling terms. COAs and voyage charters
provide voyage revenue to the Company. A time charter is a contract under which the Company is paid to provide a vessel on a per day basis for a specified
period of time. Time charters provide charter revenues to the Company.

Active risk management is an important part of our business model. The Company believes its active risk management allows it to reduce the sensitivity of
its  revenues  to  market  fluctuations  and  helps  it  to  secure  its  long-term  profitability  and  lower  relative  volatility  of  earnings.  We  manage  market  risk  by
chartering in vessels for periods of less than nine months on average and

5

 
 
 
 
through  a  portfolio  approach  based  upon  owned  vessels,  chartered-in  vessels,  COAs,  voyage  charters,  and  time  charters.  The  Company  tries  to  identify
routes and ports for efficient bunkering to minimize its fuel expense. The Company also seeks to hedge a portion of its exposure to changes in the price of
marine fuels, or bunkers, through fuel swaps; and to fluctuating future freight rates through forward freight agreements. The Company has also entered into
interest rate agreements to fix a portion of our interest rate exposure.

The  Company  employs  the  technical  management  services  of  Seamar  Management  S.A.  which  is  51%  owned  by  the  Company,  and  Bernard  Schulte
Shipmanagment, a third party, for its ice class 1A fleet.

Business Strategy

The  Company’s  principal  business  objectives  are  to  profitably  grow  its  business  and  increase  shareholder  value.  The  Company  expects  to  achieve  these
objectives through the following strategies:

•

•

•

•

Focus on increasing strategic COAs. COA is an agreement providing for the transportation between specified points for a specific quantity of cargo
over a specific time period but without designating specific vessels or voyage schedules, thereby allowing flexibility in scheduling since no vessel
designation is required. COAs can either have a fixed rate or a market-related rate. The Company intends to increase our COA business, in
particular, COAs for cargo discharge in traditional loading areas (backhaul), by leveraging its relationships with existing customers and attracting
new customers. The Company believes that its dedication to solving its customer’s logistics problems, and its reputation and experience in carrying
a wide range of cargoes and transiting less common routes and ports, increases its likelihood of securing strategic COAs. COA’s provide a consistent
cargo base and revenue for our transportation services, around which we attempt to structure other logistics offerings.

Expand capacity and flexibility by renewing its owned fleet and invest in ice class niche. The Company is continually looking to acquire additional
high-quality vessels suited for its business strategy, the needs of its customers and growth opportunities the Company identifies. The Company
believes that its experience as a reliable and serious counterparty in the purchase and sale market for second-hand vessels positions it as a candidate
for acquisition of high quality vessels. The Company currently controls (owns or has an ownership interest in) a fleet of 24 bulk carriers as of
March 14, 2024. The current fleet includes six Ice-Class 1A Panamax, four Post Panamax Ice Class 1A, three Panamax, two Ultramax Ice Class 1C,
two Ultramax and seven Supramax drybulk vessels.

Increase backhaul focus, expand and defend its presence in the niche ice trades and increase fleet efficiency. The Company continues to focus on
backhaul cargoes, including backhaul cargoes associated with COAs, to reduce ballast days and increase expected earnings for well-positioned
vessels. In addition, the Company intends to continue to charter in vessels for periods of less than nine months, on average, to permit it to match its
variable costs to demand. The Company believes that increased vessel utilization and positioning efficiency will enhance its profitability. The
Company demonstrated its commitment to remain the leader in high ice class large bulk carriers by taking delivery of its four newbuilding Post
Panamax Ice Class vessels in 2021.

Focus  on  customized  and  complete  logistics  solutions  within  targeted  dry  bulk  trades.  The  Company  intends  to  leverage  its  experience  in
designing custom loading and discharging systems in critical ports and optimizing vessel operations in ports to provide complete logistics solutions
to its clients. The Company continues to look for opportunities to transport cargo for clients from, or to, rarely used or underdeveloped port facilities
to  expand  its  operations.  The  Company  believes  this  operational  expertise  and  complete  logistics  solutions  will  enhance  the  services  offered,
strengthen our client relationships and generate increased operating margins for the Company.

Competitive Strengths

The Company believes that it possesses a number of competitive strengths in its industry, including:

•

Expertise in certain niche markets and routes. The  Company  has  developed  expertise  and  a  major  presence  in  selected  niche  markets  and  less
commoditized routes, especially the Baltic Sea in winter, the Northern Sea Route between Europe and Asia in summer, and the trade route between
Jamaica and the United States, as well as selected ports, particularly in Newfoundland and Baffin Island. The Company believes that there is less
competition to carry “minor,” as compared to traditional “major,” bulk cargoes, and, similarly, that there is less competition on less commoditized
routes.  The  Company  believes  that  its  experience  in  carrying  a  wide  range  of  cargoes  and  transiting  less  common  routes  and  ports  increases  its
likelihood of securing higher rates and margins than those available for more commoditized cargoes and routes. The Company believes it operates
assets well suited to certain of these routes, including its Ice-

6

 
 
 
 
•

•

•

•

•

•

Class 1A Panamax, Post Panamax Ice Class 1A and Ice-Class 1C Ultramax vessels. The ice-class fleet has historically produced margins that are
superior to the average market rate.

Enhanced vessel utilization and profitability through strategic backhaul and triangulation methods. The Company enhances vessel utilization and
profitability through selecting COAs and other contracts to carry cargo on what would normally be backhaul or ballast legs. In contrast to the typical
practice of incurring charter hire and bunker costs to position an empty vessel in a port or area where cargo is normally loaded, the Company instead
actively  works  with  its  customers  to  secure  cargoes  for  discharge  in  traditional  loading  areas  (backhaul).  This  practice  allows  the  Company  to
position vessels for loading at lower costs than it would bear if it positioned such vessels by traveling unladen or if the Company chartered in vessels
in a loading area. The Company believes that this focus on backhaul cargoes permits them to benefit from ballast bonuses that are paid to position
vessels for fronthaul cargoes or, alternatively, to earn a premium for delivering ships that are in position for fronthaul cargoes.

Strong  relationships  with  major  industrial  customers.  The  Company  has  developed  strong  commercial  relationships  with  a  number  of  major
industrial customers. These customer relationships are based upon the Company’s reputation and specific history of service to these customers. The
Company  believes  that  these  relationships  help  it  generate  recurring  business  with  such  customers  which,  in  some  cases,  are  formalized  through
contracts  for  repeat  business  (COAs).  The  Company  also  believes  that  these  relationships  can  help  create  new  opportunities.  Although  many  of
these relationships have extended over a period of years, there is no assurance that such relationships or business will continue in the future. The
Company  believes  that  its  familiarity  with  local  regulations  and  market  conditions  at  its  routinely  serviced  ports,  particularly  in  Newfoundland,
Baffin Island and Jamaica, provides it with a strong competitive advantage and allows it to attract new customers and secure recurring business.

Logistics  approach  to  commodity  business.  The  Company  seeks  employment  for  its  vessels  in  a  way  that  utilizes  its  expertise  in  enhancing
productivity  of  clients'  supply  chains.  The  Company  focuses  on  movements  of  cargo  beyond  loading  and  discharge  berths  and  looks  for
opportunities  to  add  value  in  clients'  supply  chains.  The  Company  believes  its  additional  efforts  in  providing  complete  logistics  provides  a
competitive advantage and allows it to maintain strong client relationships and generate increased operating margins for the Company.    

Experienced management team. The day-to-day operations of a logistics and transportation services company requires close coordination among
customers, land-based transportation providers and port authorities around the world. Its efficient operation depends on the experience and expertise
of  management  at  all  levels,  from  vessel  acquisition  and  financing  strategy  to  oversight  of  vessel  technical  operations  and  cargo  loading  and
discharge. The Company has a management team of senior executive officers and key employees with extensive experience and relationships in the
commercial, technical, and financial areas of the drybulk shipping industry.

Strong Alignment and Transparency. The  Company  observes  that  many  publicly  traded  shipping  companies  rely  on  service  providers  affiliated
with  senior  management  or  dominant  shareholders  for  fundamental  activities.  Beyond  the  operational  benefits  to  its  customers  of  integrated
commercial  and  technical  management,  the  Company  believes  that  its  shareholders  are  benefited  by  its  strategy  of  performing  many  of  those
activities in-house. Related to these efforts to maximize alignment of interest, the Company believes that the associated transparency of ownership
and authority will be attractive to current and prospective shareholders.

Risk-management  discipline.  The  Company  believes  its  risk  management  strategy  allows  it  to  reduce  the  sensitivity  of  its  earnings  to  market
changes and lower the risk of losses. The Company manages its risks primarily through short-term charter-in agreements of less than nine months,
on  average,  through  the  use  of  forward  freight  agreements  ("FFAs")  and  fuel  hedges,  and  through  modest  leverage.  The  Company  believes  that
shorter-term charters permit it to adjust its variable costs to match demand more rapidly than if it chartered in those vessels for longer periods. The
Company may choose to manage the risks of higher rates for certain future voyages by purchasing and selling FFAs to limit the impact of changes in
chartering rates. Similarly, the Company may choose to manage the risks of increasing fuel costs through bunker hedging transactions in order to
limit the impact of changes in fuel prices on voyage results.

Management

The  Company’s  management  team  consists  of  senior  executive  officers  and  key  employees  with  decades  of  experience  in  the  commercial,  technical,
management and financial areas of the logistics and shipping industries. The Company’s Chief Executive Officer, Mark Filanowski, has over 30 years of
experience in the shipping industry. Other members of its management team, Mads Boye Petersen and Gianni Del Signore, also have extensive experience
in the shipping industry. The Company believes its management team and key employees are well respected in the drybulk sector of the shipping industry

7

 
and,  over  the  years,  has  developed  strong  commercial  relationships  with  industrial  customers  and  lenders.  The  Company  believes  that  the  experience,
reputation and background of its management team will continue to be key factors in its success.

The Company provides logistics services and commercially manages its fleet primarily from offices in Newport, Rhode Island, Copenhagen, Denmark and
Singapore.  Logistics  services  and  commercial  management  include  identifying  cargo  for  transportation,  voyage  planning,  managing  relationships,
identifying vessels to charter in, and operating such vessels.

The  Company’s  Ice-Class  1A  Panamax  vessels  are  technically  managed  by  a  third-party  manager.  The  technical  management  of  the  remainder  of  the
Company’s  owned  fleet  is  performed  in-house  by  our  51%  owned  joint  venture,  Seamar  Management,  S.A..  The  Company’s  technical  management
personnel  have  experience  in  the  complexities  of  oceangoing  vessel  operations,  including  the  supervision  of  maintenance,  repairs,  improvements,
drydocking and crewing. The technical management for the Company’s chartered-in vessels is performed by each respective third party ship owner.

Operations and Assets

The Company is a service business and our customers use the services we provide because they believe the Company adds and creates value for them. To
add value, the Company offers a wide range of logistics services beyond the traditional loading, carriage and discharge of cargoes. The Company works
with  certain  customers  to  review  their  contractual  delivery  terms  and  conditions,  permitting  those  customers  to  reduce  costs  and  certain  risks.  Another
example of value-added services is the formation of a new port in Newfoundland, Canada to load aggregate cargo for export and a temporary port used in
Greenland to load the northernmost dry bulk cargo ever carried. As a result of efforts such as these, in some cases the Company is the de facto logistics
department for certain clients.

The Company’s core offering is the safe, reliable, and timely loading, carriage, and discharge of cargoes for customers. This offering requires identifying
customers,  agreeing  on  the  terms  of  service,  selecting  a  vessel  to  undertake  the  voyage,  working  with  port  personnel  to  load  and  discharge  cargo,  and
documenting the transfers of title upon loading or discharge of the cargo. As a result, the Company spends significant time and resources to identify and
retain  customers  and  source  potential  cargoes  in  its  areas  of  operation.  To  further  expand  its  customer  base  and  potential  cargoes,  the  Company  has
developed expertise in servicing ports and routes subject to severe ice conditions, including the Baltic Sea and the Northern Sea Route.

8

 
 
 
 
 
As of March 14, 2024, the Company operates its fleet of 24 owned or partially owned vessels, which are described in the table below: 

Vessel Name

m/v Bulk Endurance
m/v Bulk Destiny
m/v Nordic Oasis
m/v Nordic Olympic
m/v Nordic Odin
m/v Nordic Oshima
m/v Nordic Orion
m/v Nordic Odyssey
m/v Bulk Valor
m/v Bulk Friendship
m/v Bulk Sachuest
m/v Bulk Spirit
m/v Bulk Independence
m/v Bulk Pride
m/v Bulk Freedom
m/v Bulk Prudence
m/v Bulk Courageous
m/v Bulk Promise
m/v Bulk Concord
m/v Bulk Xaymaca 
m/v Nordic Nuluujaak
m/v Nordic Qinngua
m/v Nordic Sanngijuq
m/v Nordic Siku

(1)

Type

DWT

Year Built

Yard

Ultramax (Ice Class 1C)
Ultramax (Ice Class 1C)
Panamax (Ice Class 1A)
Panamax (Ice Class 1A)
Panamax (Ice Class 1A)
Panamax (Ice Class 1A)
Panamax (Ice Class 1A)
Panamax (Ice Class 1A)
Supramax
Supramax
Supramax
Supramax
Supramax
Supramax
Supramax
Ultramax
Ultramax
Panamax
Panamax
Panamax
Post Panamax (Ice Class 1A)
Post Panamax (Ice Class 1A)
Post Panamax (Ice Class 1A)
Post Panamax (Ice Class 1A)

59,450 
59,450 
76,180 
76,180 
76,180 
76,180 
75,603 
75,603 
58,105 
58,738 
55,618 
52,950 
56,548 
58,749 
52,454 
61,330 
61,393 
78,228 
76,600 
76,561 
95,000 
95,000 
95,000 
95,000 

2017
2017
2016
2015
2015
2014
2011
2010
2013
2011
2010
2009
2008
2008
2005
2014
2013
2013
2009
2006
2021
2021
2021
2021

Oshima Shipbuilding
Oshima Shipbuilding
Oshima Shipbuilding
Oshima Shipbuilding
Oshima Shipbuilding
Oshima Shipbuilding
Oshima Shipbuilding
Oshima Shipbuilding
Tsuneishi Heavy Industries (Cebu)
Nantong Cosco Kawasaki HI
Hyundai Vinashin
Oshima Shipbuilding
Yokohama
Tsuneishi Group (Zhoushan) Shipbuilding Inc.
Tsuneishi Shipbuilding Co. Ltd.
Imabari Shipbuilding
Imabari Shipbuilding Company Limited (Imabari)
Shin Kurushima Toyohashi Shipbuilding Company Limited
Shin Kasado Dockyard Co. Ltd
Imabari SB Marugame
Guangzhou Shipyard International Company Limited
Guangzhou Shipyard International Company Limited
Guangzhou Shipyard International Company Limited
Guangzhou Shipyard International Company Limited

(1) 

Formerly known as m/v Bulk PODS

The  Company  owns  its  vessels  through  separate  wholly-owned  subsidiaries  and  through  joint  venture  entities  with  other  owners,  which  the  Company
consolidates as variable interest entities in its consolidated financial statements.

On September 28, 2020, the Company acquired an additional one-third equity interest in its partially-owned consolidated subsidiary Nordic Bulk Holding
Company Ltd. (“NBHC”) from one of NBHC’s shareholders. The Company owns two-thirds of NBHC after the acquisition. NBHC is a corporation that
was duly organized under the laws of Bermuda in October 2012. The m/v Nordic Orion (“Orion”), the m/v Nordic Odyssey (“Odyssey”), the m/v Nordic
Oshima (“Oshima”), the m/v Nordic Olympic (“Olympic”), the m/v Nordic Odin (“Odin”) and the m/v Nordic Oasis (“Oasis”) are owned by wholly-owned
subsidiaries of NBHC. All of these vessels are time chartered to Pangaea Denmark, a wholly-owned subsidiary of the Company, at fixed rates and also have
a profit share arrangement. Pangaea Denmark commercially operates these vessels in spot and COA trades.

In September 2019, the Company entered into an LLC agreement for the formation of NBP, that, at inception is owned 75% by the Company and 25% by an
independent third party. NBP was established for the purpose of constructing and owning four new-build ice class post-Panamax vessels. The Company
took  delivery  of  Nordic  Nuluujaak,  Nordic  Qinngua,  Nordic  Sanngijuq  and  Nordic  Siku  during  the  second  quarter  through  fourth  quarters  of  2021.  The
independent third party made additional contribution which increased their ownership interest in NBP to 50% at December 31, 2022. No change of control
transactions occurred according to the NBP LLC agreement.

The Company operates a variety of chartered-in drybulk carriers in addition to its owned vessels. These chartered-in vessels, including Panamax, Supramax,
Ultramax, Handymax, and Handysize vessels, play a significant role in the Company's operations. The Company employed an average of 46 vessels at any
one time during 2023 and 49 in 2022. In 2023, the Company owned interests in 26 vessels and chartered in another 185 for one or more voyages. In 2022,
the Company owned interests in 26 vessels and chartered in another 183 for one or more voyages. The Company generally charters in third-party vessels for
periods of less than nine months and, in most cases, less than six months. Chartered-in contracts are negotiated through third-party brokers, who are paid
commission on a percentage of charter cost. The Company believes that shorter-term charters afford it flexibility to match its variable costs to its customers’
service requirements and to respond quickly to market

9

 
volatility. The Company also believes that this combination of owned and chartered-in vessels helps it to more efficiently match its customer demand than
the Company could with only owned vessels or an entirely chartered-in fleet.

Corporate Structure

The  Company  is  a  holding  company  incorporated  under  the  laws  of  Bermuda  as  an  exempted  company  on  April  29,  2014.  The  Company’s  principal
executives operate from the offices of its wholly-owned subsidiary Phoenix Bulk Carriers (US) LLC, which is located at 109 Long Wharf, Newport, Rhode
Island 02840.The phone number at that address is (401) 846-7790. The Company also has offices in Copenhagen, Denmark, Athens, Greece and Singapore.
The Company’s corporate website address is http://www.pangaeals.com.

10

 
 
 
As of March 14, 2024, the Company’s significant subsidiaries are as follows: 

Company Name
Americas Bulk Transport (BVI) Limited
Phoenix Bulk Management Bermuda Limited
Pangaea Logistics Solutions (BVI) Limited (“Pangaea BVI”)
Bulk Ocean Shipping Company (Bermuda) Ltd.
Phoenix Bulk Carriers (US) LLC
Allseas Logistics Bermuda Ltd.
Bulk Trident Ltd. (“Bulk Trident”)
Pangaea Logistics Solutions Denmark A/S. ("Pangaea Denmark") (formerly known
as Nordic Bulk Carriers A/S)
Nordic Bulk Ventures (Cyprus) Limited ("NBV")
109 Long Wharf LLC (“Long Wharf”)
Bulk Nordic Oshima (MI) Corp. (“Bulk Oshima”)
Bulk Nordic Odin (MI) Corp. (“Bulk Odin”)
Bulk Nordic Olympic (MI) Corp. (“Bulk Olympic”)
Bulk Nordic Oasis (MI) Corp.. (“Bulk Oasis”)
Bulk Nordic Odyssey Corp. (MI)
Bulk Nordic Orion Corp. (MI)
Nordic Bulk Holding Company Ltd. (“NBHC”)
Bulk Courageous Corp. ("Bulk Courageous")
Bulk Phoenix Ltd. ("Bulk Newport")
Bulk Valor Corp. ("Bulk Valor")
Bulk Promise Corp. ("Bulk Promise")
Bulk Nordic Five Ltd. (“Five”)
Bulk Nordic Six Ltd. (“Six”)
Bulk Nordic Seven LLC (“Seven”)
Bulk Nordic Eight LLC (“Eight”)
Bulk Nordic Nine LLC (“Nine”)
Bulk Nordic Ten LLC (“Ten”)
Nordic Bulk Partners LLC (“NBP”)
Nordic Bulk Ventures Holding Company Ltd. (“BVH”)
Bulk Freedom Corp. ("Bulk Freedom")
Bulk Pride Corp. ("Bulk Pride")
Bulk Independence Corp. ("Bulk Independence")
Bulk Friendship Corp. ("Bulk Friendship")
Phoenix Bulk 25 Corp. ("Phoenix Bulk 25")
Bulk Sachuest Corp. ("Bulk Sachuest")
Bulk Prudence Corp. ("Bulk Prudence")
Venture Logistics NL Inc. ("VLNL")
Flintstone Ventures Limited ("FVL")
Seamar Management S.A.
Bulk PODS Ltd. ("Bulk PODS")
Bulk Spirit Ltd. ("Bulk Spirit")
Pangaea Logistics Solutions Singapore Pte. Ltd.
Narragansett Bulk Carriers (US) Corp.
Patriot Stevedoring & Logistics, LLC
Bay Stevedoring LLC
Pangaea Logistics Solutions (US) LLC ("PANL US")
Pangaea Baltimore LLC
Pangaea Port Everglades LLC

Country of Organization

British Virgin Islands
Bermuda
British Virgin Islands
Bermuda
Delaware
Bermuda
Bermuda

Denmark
Cyprus
Delaware
Marshall Islands
Marshall Islands
Marshall Islands
Marshall Islands
Marshall Islands
Marshall Islands
Bermuda
Marshall Islands
Bermuda
Marshall Islands
Marshall Islands
Bermuda
Bermuda
Marshall Islands
Marshall Islands
Marshall Islands
Marshall Islands
Marshall Islands
Bermuda
Marshall Islands
Marshall Islands
Marshall Islands
Marshall Islands
Marshall Islands
Marshall Islands
Marshall Islands
Canada
Newfoundland and Labrador
Greece
Marshall Islands
Marshall Islands
Singapore
Rhode Island
Massachusetts
Delaware
Delaware
Delaware
Delaware

Proportion of Ownership
Interest
100%
100%
100%
100%
100%
100%
100%

100%
100%
100%
67%
67%
67%
67%
67%
67%
67%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
50%
100%
100%
100%
100%
100%
100%
100%
100%
50%
100%
51%
100%
100%
100%
100%
50%
100%
100%
100%
100%

(A)
(B)
(C)
(D)
(E)
(F)
(G)

(H)
(H)
(I)
(J)
(J)
(J)
(J)
(K)
(K)
(L)
(G)
(G)
(G)
(G)
(G)
(G)
(G)
(G)
(G)
(G)
(M)
(A)
(G)
(G)
(G)
(G)
(G)
(G)
(G)
(N)
(O)
(P)
(G)
(G)
(H)
(H)
(Q)
(R)
(S)
(R)
(R)

(A) The primary purpose of this corporation is to manage and operate ocean going vessels.
(B) The primary purpose of this entity is to perform certain administrative management functions that have been assigned by PBC.

11

 
 
(C) The primary purpose of this corporation is to provide logistics services to customers by chartering, managing and operating ships. Formerly known as Phoenix Bulk

Carriers (BVI) Limited.

(D) The primary purpose of this corporation is to manage the fuel procurement for all vessels.
(E) The primary purpose of this corporation is to act as the U.S. administrative agent for the Company.
(F) The primary purpose of this corporation is to act as the treasury agent for the Company.
(G) The primary purpose of these entities is owning bulk carriers.
(H) The primary purpose of these entities is to provide logistics services to customers by chartering, managing and operating ships. NBV is the holding company of Pangaea

Denmark. Formerly known as Nordic Bulk Carriers A/S.

(I) Long Wharf is a limited liability company duly organized under the laws of Delaware for the purpose of holding real estate located in Newport, Rhode Island.
(J) The primary purpose of these entities is owning bulk carriers. These companies are wholly-owned by NBHC, which is two-third owned by the Company.
(K) The primary purpose of this entity is to transfer ownership of the m/v Nordic Odyssey and m/v Nordic Orion.
(L) The primary purpose of this entity is to own or lease bulk carriers through wholly-owned subsidiaries. The Company’s interest in Bulk Odyssey, Bulk Orion, Bulk

Oshima, Bulk Olympic, Bulk Odin and Bulk Oasis is through its interest in NBHC.

(M) The primary purpose of this entity is to own or lease bulk carriers through wholly-owned subsidiaries.
(N) The primary purpose of VLNL is to own and operate the deck barge Miss Nora G. Pearl.
(O) The primary purpose of FVL is the carriage of specialized cargo.
(P) This entity is the technical manager of 14 vessels owned and operated by the Company.
(Q) The primary purpose of the company is to manage and operate the Brayton Point Commerce Center Marine Terminal.
(R) The primary purpose of the company is to manage and operate port terminals.
(S) The primary purpose of the company is to manage U.S.-based business activities.

Crewing and Employees

Each  of  our  vessels  is  crewed  with  20-25  independently  contracted  officers  and  crew  members  and,  on  certain  vessels,  directly  contracted  officers.  Our
technical  managers  are  responsible  for  locating,  contracting  and  retaining  qualified  officers  for  its  vessels.  The  crewing  agencies  handle  each  crew
member’s  training,  travel  and  payroll,  and  ensure  that  all  the  crew  members  on  its  vessels  have  the  qualifications  and  licenses  required  to  comply  with
international  regulations  and  shipping  conventions.  The  Company  typically  has  more  crew  members  on  board  than  are  required  by  the  country  of  the
vessel’s flag in order to allow for the performance of routine maintenance duties.

The  Company  employs  approximately  151  shore-based  personnel  and  has  approximately  500  independently  contracted  seagoing  personnel  on  its  owned
vessels. The shore-based personnel are employed in the United States, Athens, Copenhagen and Singapore.

Competition

The Company operates in markets that are highly competitive and based primarily on supply and demand for ocean transport of drybulk commodities. The
Company competes for COAs on the basis of service, price, route history, size, age and condition of the vessel and for charters on the basis of service, price,
vessel availability, size, age and condition of the vessel, as well as on its reputation as an owner and operator. The Company principally competes with
owners and operators of Panamax, Supramax, Ultramax and Handymax bulk carriers. The Company attempts to differentiate itself from other owners and
operators by extending its services to support more of its customers' supply chains and concentrates on established niche markets.

Seasonality

Demand for vessel capacity has historically exhibited seasonal variations and, as a result, fluctuations in charter rates. This seasonality may result in quarter-
to-quarter  volatility  in  the  Company's  operating  results.  The  dry  bulk  carrier  market  is  typically  stronger  in  the  fall  months  in  anticipation  of  increased
consumption of coal and other raw materials in the northern hemisphere during the winter months. Seasonal fluctuation are also observed in harvest times in
the  Northern  and  Southern  Atlantic  trades.  In  addition,  unpredictable  weather  patterns  in  these  months  tend  to  disrupt  vessel  scheduling  and  supplies  of
certain commodities. The Company may earn higher margins on ice-class business in winter and during severe ice trading.

Permits and Authorizations

The Company is required by various governmental and quasi-governmental agencies to obtain certain permits and certificates with respect to its vessels.
The kinds of permits and certificates required depend upon several factors, including the commodity transported, the waters in which the vessel operates,
the nationality of the vessel’s crew and the age of the vessel. The Company has been able to obtain all permits and certificates currently required to permit
its vessels to operate. Additional laws and

12

 
 
 
 
 
 
 
 
regulations, environmental or otherwise, may be adopted which could limit its ability to do business or increase the cost of doing business.

Environmental and Other Regulations

Government  regulation  and  laws  significantly  affect  the  ownership  and  operation  of  the  Company's  vessels.  The  Company  is  subject  to  international
conventions and treaties, national, state and local laws and regulations in force in the countries in which its vessels may operate or are registered. These
regulations relate to safety, health and environmental protection including the storage, handling, emission, transportation and discharge of hazardous and
non-hazardous materials, and the remediation of contamination and liability for damage to natural resources. Compliance with such laws, regulations and
other requirements entails significant expense, including vessel modifications and implementation of certain operating procedures.

A variety of government and private entities subject the Company’s vessels to both scheduled and unscheduled inspections. These entities include the local
port  authorities  (such  as  the  U.S.  Coast  Guard,  harbor  master  or  equivalent),  classification  societies,  flag  state  administrations  (countries  of  registry),
charterers and terminal operators. Certain of these entities require them to obtain permits, certificates or approvals for the operation of its vessels. Failure to
maintain necessary permits, certificates or approvals could require it to incur substantial costs or temporarily suspend the operation of one or more of its
vessels.

Increasing  environmental  concerns  have  created  a  demand  for  vessels  that  conform  to  the  stricter  environmental  standards.  The  Company  is  required  to
maintain operating standards for all of its vessels that emphasize operational safety, quality maintenance, continuous training of its officers and crews and
compliance  with  United  States  and  international  regulations.  The  Company  believes  that  the  operation  of  its  vessels  is  in  substantial  compliance  with
applicable environmental laws and regulations and that its vessels have all material permits, certificates or other approvals necessary for the conduct of its
operations  as  of  the  date  of  this  Form  10-K.  However,  because  such  laws  and  regulations  are  frequently  changed  and  may  impose  increasingly  strict
requirements, the Company cannot predict the ultimate cost of complying with these requirements, or the impact of these requirements on the resale value
or  useful  lives  of  its  vessels.  In  addition,  a  future  serious  marine  incident  that  results  in  significant  oil  pollution  or  otherwise  causes  significant  adverse
environmental impact could result in additional legislation or regulation that could negatively affect the Company’s profitability.

As a global logistics provider, headquartered in the United States, we recognize the impacts of our actions and are focused on establishing safe, responsible,
and  sustainable  policies  and  practices  that  will  enhance  our  business  for  the  long  term.  Transparency  is  an  important  step  toward  sustainability  in  our
industry  and  we  were  pleased  to  present  our  third  concise  Environmental,  Social  and  Governance  (ESG)  report  based  on  the  Marine  Transportation
framework developed by the Sustainability Accounting Standards Board (SASB) during 2023. More specifically over the past several years we have taken
steps to integrate ESG into operations, including:

1.

Renewed our owned fleet with modern second hand and newbuilding vessels with lower overall fuel consumption than
older vessels in order to reduce our fleet’s greenhouse gas emissions. The Company took delivery of four Post Panamax vessels in 2021, which has
significantly improved the fleet's emissions profile. The improvement is measured by fuel consumption per deadweight ton.

2.

We utilize performance monitoring and weather routing services on both our owned and our chartered fleet. Using

sophisticated forecasting algorithms and machine learning, we optimize the speed of our vessels by considering
commercial and environmental concerns while reducing the amount of fuel consumed when the ships encounter adverse
weather and/or currents;

3.

We have established Ship Energy Efficiency Management Plans (SEEMP) to improve the efficiency of our vessels.

Through the SEEMP, we ensure that all our ships are operated efficiently by:

a.
b.
c.

Optimizing the speed of the vessels;
Making course changes to avoid higher fuel consumption caused by rough weather;
Hull cleaning in dry dock to improve speed and reduce fuel consumption;

4.

5.

For our chartered-in fleet we seek to employ the most fuel efficient designs available;

Ballast water treatment systems are currently installed on all vessels;

Use  of  environmental  consultants  to  assess  and  improve  terminal  operations.  As  the  Company  expands  its  operations  to  ports  and  terminals,  it

6.
becomes more exposed to environmental requirements and regulations ashore.

13

 
 
 
 
International Maritime Organization

The  United  Nations’  International  Maritime  Organization,  or  the  IMO,  has  adopted  the  International  Convention  for  the  Prevention  of  Marine  Pollution
from  Ships,  1973,  as  modified  by  the  Protocol  of  1978  relating  thereto,  collectively  referred  to  as  MARPOL  73/78  and  herein  as  “MARPOL,”  the
International Convention for the Safety of Life at Sea of 1974 ("SOLAS Convention"), and the International Convention on Load Lines of 1966 (the "LL
Convention"). MARPOL  entered  into  force  on  October  2,  1983  and  establishes  environmental  standards  related  to  oil  leakage  or  spilling,  air  emissions,
garbage management, sewage, and handling and disposal of noxious liquids, including harmful substances in packaged form. It has been adopted by over
150 nations, including many of the jurisdictions in which the Company's vessels operate. MARPOL sets forth pollution-prevention requirements applicable
to  drybulk  carriers,  among  other  vessels,  and  is  broken  into  six  Annexes,  each  of  which  regulates  a  different  source  of  pollution.  Annex  I  relates  to  oil
leakage or spilling; Annexes II and III relate to harmful substances carried, in bulk, in liquid or packaged form, respectively; and Annexes IV and V relate
to sewage and garbage management, respectively. Annex VI, separately adopted by the IMO in September of 1997, relates to air emissions. New
emissions standards, titled IMO-2020, took effect on January 1, 2020.

In 2013, the IMO's Marine Environmental Protection Committee, or the "MEPC," adopted a resolution amending MARPOL Annex I Condition Assessment
Scheme, or "CAS." These amendments became effective on October 1, 2014 and require compliance with the 2011 International Code on the Enhanced
Programme of Inspections during Surveys of Bulk Carriers and Oil Tankers, or "ESP Code," which provides for enhanced inspection programs. The
Company may need to make certain financial expenditures to comply with these amendments in the future, which could be significant.

Air Emissions

In September of 1997, the IMO adopted Annex VI to MARPOL to address air pollution from vessels. Effective May 2005, Annex VI sets limits on nitrogen
oxide  emissions  from  ships  whose  diesel  engines  were  constructed  (or  underwent  major  conversions)  on  or  after  January  1,  2000.  It  also  prohibits
“deliberate emissions” of “ozone depleting substances,” defined to include certain halons and chlorofluorocarbons. Deliberate emissions are not limited to
times when the ship is at sea; they can for example include discharges occurring in the course of the ship’s repair and maintenance. Emissions of “volatile
organic compounds” from certain tankers, and the shipboard incineration (from incinerators installed after January 1, 2000) of certain substances (such as
polychlorinated biphenyls (PCBs)) are also prohibited. Annex VI also includes a global cap on the sulfur content of fuel oil (see below).

of 

(reduced 

sulfur 
its  70th 

The IMO’s Marine Environment Protection Committee, or MEPC, adopted amendments to Annex VI on October 10, 2008, which amendments were entered
into force on July 1, 2010. The Amended Annex VI seeks to further reduce air pollution by, among other things, implementing a progressive reduction of
the 
ships.
amount 
sulfur  oxide  emissions
On  October  27,  2016,  at 
fuel  oil,
limit 
alternative 
and
International  Air  Pollution  Prevention 
sulfur  content.  Additionally,  at
MEPC 73, amendments to Annex VI to prohibit the carriage of bunkers above 0.5% sulfur on ships were adopted and will take effect March 1, 2020, with
the exception of vessels fitted with exhaust gas cleaning equipment ("scrubbers") which can carry fuel of higher sulfur content. These regulations subject
ocean-going vessels to stringent emissions controls, and may cause us to incur substantial costs, including those related to the purchase, installation and
operation of scrubbers and the purchase of compliant fuel oil.

to  obtain  bunker  delivery  notes 
specify 

from  3.50%)  starting 
certain 

cleaning 
(“IAPP”)  Certificates 

implement  a  global  0.5%  m/m 

limitation  can  be  met  by  using 

from  January  1,  2020.  This 

are  now 
flag 

low-sulfur  compliant 

the  MEPC  agreed 

required 
that 

systems.  Ships 

exhaust  gas 

fuels,  or 

contained 

any 
to 

onboard 

session, 

states 

from 

used 

their 

fuel 

oil 

in 

Sulfur content standards are even stricter within certain “Emission Control Areas,” or (“ECAs”). As of January 1, 2015, ships operating within an ECA
were not permitted to use fuel with sulfur content in excess of 0.1% m/m. Amended Annex VI establishes procedures for designating new ECAs. Currently,
the IMO has designated four ECAs, including specified portions of the Baltic Sea area, North Sea area, North American area and United States Caribbean
area. Ocean-going vessels in these areas will be subject to stringent emission controls and may cause us to incur additional costs. Certain ports in which our
vessels call, including China and Singapore, are currently or may become subject to local regulations that impose stricter emission controls. In December
2021, the member states of the Convention for the Protection of the Mediterranean Sea Against Pollution (the “Barcelona Convention”) agreed to support
the designation of a new ECA in the Mediterranean. On December 15, 2022, MEPC 79 adopted the designation of a new ECA in the Mediterranean, with an
effective date of May 1, 2025. In July 2023, MEPC 80 announced three new ECA proposals, including the Canadian Arctic waters and the North-East

14

 
 
 
 
Atlantic Ocean. If other ECAs are approved by the IMO, or other new or more stringent requirements relating to emissions from marine diesel engines or
port  operations  by  vessels  are  adopted  by  the  U.S.  Environmental  Protection  Agency  (“EPA”)  or  the  states  where  we  operate,  compliance  with  these
regulations  could  entail  significant  capital  expenditures  or  otherwise  increase  the  costs  of  our  operations.  Refer  to  “Capital  Expenditures”  in  Item  7,
Management’s  Discussion  and  Analysis  of  Financial  Condition  and  Results  of  Operations  and  “We  are  subject  to  regulation  and  liability  under
environmental  and  operational  safety  laws  that  could  require  significant  expenditures  or  subject  us  to  increased  liability”  in  Item  1A.  Risk  Factors  for
further details of our plan for compliance and potential costs.

Amended Annex VI also establishes new tiers of stringent nitrogen oxide emissions standards for marine diesel engines, depending on their date of
installation. At the MEPC meeting held from March to April 2014, amendments to Annex VI were adopted which address the date on which Tier III
Nitrogen Oxide (NOx) standards in ECAs will go into effect. Under the amendments, Tier III NOx standards apply to ships that operate in the North
American and U.S. Caribbean Sea ECAs designed for the control of NOx produced by vessels with a marine diesel engine installed and constructed on or
after January 1, 2016. Tier III requirements could apply to areas that will be designated for Tier III NOx in the future. At MEPC 70 and MEPC 71, the
MEPC approved the North Sea and Baltic Sea as ECAs for nitrogen oxide for ships built on or after January 1, 2021. The EPA promulgated equivalent (and
in some senses stricter) emissions standards in 2010 and we are compliant with the Tier I and Tier II requirements for NOx emissions under the EPA
standards and Annex VI. We do not currently own any vessels subject to the Tier III requirements, although we may acquire such vessels in the future. As a
result of these designations or similar future designations, we may be required to incur additional operating or other costs.

As determined at the MEPC 70, the new Regulation 22A of MARPOL Annex VI became effective as of March 1, 2018 and requires ships above 5,000
gross tonnage to collect and report annual data on fuel oil consumption to an IMO database, with the first year of data collection having commenced on
January 1, 2019. The IMO intends to use such data as the first step in its roadmap (through 2023) for developing its strategy to reduce greenhouse gas
emissions from ships, as discussed further below.

As of January 1, 2013, MARPOL made mandatory certain measures relating to energy efficiency for ships. All ships are now required to develop and
implement Ship Energy Efficiency Management Plans (“SEEMP”), and new ships must be designed in compliance with minimum energy efficiency levels
per capacity mile as defined by the Energy Efficiency Design Index (“EEDI”). Under these measures, by 2025, all new ships built will be 30% more energy
efficient than those built in 2014. MEPC 75 adopted amendments to MARPOL Annex VI which brings forward the effective date of the EEDI’s “phase 3”
requirements from January 1, 2025 to April 1, 2022 for several ship types, including gas carriers, general cargo ships, and LNG carriers.

Additionally, MEPC 75 introduced draft amendments to Annex VI which impose new regulations to reduce greenhouse gas emissions from ships. These
amendments introduce requirements to assess and measure the energy efficiency of all ships and set the required attainment values, with the goal of
reducing the carbon intensity of international shipping. The requirements include (1) a technical requirement to reduce carbon intensity based on a new
Energy Efficiency Existing Ship Index (“EEXI”), and (2) operational carbon intensity reduction requirements, based on a new operational carbon intensity
indicator (“CII”). The attained EEXI is required to be calculated for ships of 400 gross tonnage and above, in accordance with different values set for ship
types and categories. With respect to the CII, the draft amendments would require ships of 5,000 gross tonnage to document and verify their actual annual
operational CII achieved against a determined required annual operational CII. Additionally, MEPC 75 proposed draft amendments requiring that, on or
before January 1, 2023, all ships above 400 gross tonnage must have an approved SEEMP on board. For ships above 5,000 gross tonnage, the SEEMP
would need to include certain mandatory content. MEPC 75 also approved draft amendments to MARPOL Annex I to prohibit the use and carriage for use
as fuel of heavy fuel oil (“HFO”) by ships in Arctic waters on and after July 1, 2024. The draft amendments introduced at MEPC 75 were adopted at the
MEPC 76 session in June 2021 and entered into force in November 2022, with the requirements for EEXI and CII certification coming into effect from
January 1, 2023. MEPC 77 adopted a non-binding resolution which urges Member States and ship operators to voluntarily use distillate or other cleaner
alternative fuels or methods of propulsion that are safe for ships and could contribute to the reduction of Black Carbon emissions from ships when operating
in or near the Arctic. MEPC 79 adopted amendments to MARPOL Annex VI, Appendix IX to include the attained and required CII values, the CII rating
and attained EEXI for existing ships in the required information to be submitted to the IMO Ship Fuel Oil Consumption Database. MEPC 79 revised the
EEDI calculation guidelines to include a CO2 conversion factor for ethane, a reference to the updated ITCC guidelines, and a clarification that in case of a
ship with multiple load line certificates, the maximum certified summer draft should be used when determining the deadweight. The amendments will enter
into force on May 1, 2024. In July 2023, MEPC 80 approved the plan for reviewing CII regulations and guidelines, which must be completed at the latest by
January 1, 2026. There will be no immediate changes to the CII framework, including correction factors and voyage adjustments, before the review is
completed.

15

We may incur costs to comply with these revised standards. Additional or new conventions, laws and regulations may be adopted that could require the
installation of expensive emission control systems and could adversely affect our business, results of operations, cash flows and financial condition. The
Company plans to continue to invest in its existing fleet to improve fuel efficiency and comply with these revised standards through its comprehensive IMO
2023 plan.

Safety Management System Requirements

The SOLAS Convention was amended to address the safe manning of vessels and emergency training drills. The Convention of Limitation of Liability for
Maritime Claims (the “LLMC”) sets limitations of liability for a loss of life or personal injury claim or a property claim against ship owners. We believe that
our vessels are in substantial compliance with SOLAS and LLMC standards.

Under Chapter IX of the SOLAS Convention, or the International Safety Management Code for the Safe Operation of Ships and for Pollution Prevention
(the “ISM Code”), our operations are also subject to environmental standards and requirements. The ISM Code requires the party with operational control of
a vessel to develop an extensive safety management system that includes, among other things, the adoption of a safety and environmental protection policy
setting forth instructions and procedures for operating its vessels safely and describing procedures for responding to emergencies. We rely upon the safety
management system that we and our technical management team have developed for compliance with the ISM Code. The failure of a vessel owner or
bareboat charterer to comply with the ISM Code may subject such party to increased liability, may decrease available insurance coverage for the affected
vessels and may result in a denial of access to, or detention in, certain ports.

The ISM Code requires that vessel operators obtain a safety management certificate for each vessel they operate. This certificate evidences compliance by a
vessel’s management with the ISM Code requirements for a safety management system. No vessel can obtain a safety management certificate unless its
manager has been awarded a document of compliance, issued by each flag state, under the ISM Code. GSSM has valid documents of compliance for our
offices and safety management certificates for all of our vessels for which the certificates are required by the IMO. The document of compliance and safety
management certificate are renewed as required.

Regulation II-1/3-10 of the SOLAS Convention governs ship construction and stipulates that ships over 150 meters in length must have adequate strength,
integrity and stability to minimize risk of loss or pollution. Goal-based standards amendments in SOLAS regulation II-1/3-10 entered into force in 2012,
with July 1, 2016 set for application to new oil tankers and bulk carriers. The SOLAS Convention regulation II-1/3-10 on goal-based ship construction
standards for bulk carriers and oil tankers, which entered into force on January 1, 2012, requires that all oil tankers and bulk carriers of 150 meters in length
and above, for which the building contract is placed on or after July 1, 2016, satisfy applicable structural requirements conforming to the functional
requirements of the International Goal-based Ship Construction Standards for Bulk Carriers and Oil Tankers (“GBS Standards”).

Amendments to the SOLAS Convention Chapter VII apply to vessels transporting dangerous goods and require those vessels be in compliance with the
International Maritime Dangerous Goods Code (“IMDG Code”). Effective January 1, 2018, the IMDG Code includes (1) updates to the provisions for
radioactive material, reflecting the latest provisions from the International Atomic Energy Agency, (2) new marking, packing and classification
requirements for dangerous goods, and (3) new mandatory training requirements. Amendments that took effect on January 1, 2020, also reflect the latest
material from the UN Recommendations on the Transport of Dangerous Goods, including (1) new provisions regarding IMO type 9 tank, (2) new
abbreviations for segregation groups, and (3) special provisions for carriage of lithium batteries and of vehicles powered by flammable liquid or gas.
Additional amendments, which came into force on June 1, 2022, include (1) addition of a definition of dosage rate, (2) additions to the list of high
consequence dangerous goods, (3) new provisions for medical/clinical waste, (4) addition of various ISO standards for gas cylinders, (5) a new handling
code, and (6) changes to stowage and segregation provisions.

The IMO has also adopted the International Convention on Standards of Training, Certification and Watchkeeping for Seafarers (“STCW”). As of February
2017, all seafarers are required to meet the STCW standards and be in possession of a valid STCW certificate. Flag states that have ratified SOLAS and
STCW generally employ the classification societies, which have incorporated SOLAS and STCW requirements into their class rules, to undertake surveys
to confirm compliance.

The IMO's Maritime Safety Committee and MEPC, respectively, each adopted relevant parts of the International Code for Ships Operating in Polar Water
(the “Polar Code”). The Polar Code, which entered into force on January 1, 2017, covers design, construction, equipment, operational, training, search and
rescue as well as environmental protection matters relevant to ships operating in the waters surrounding the two poles. It also includes mandatory measures
regarding safety and pollution

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prevention as well as recommendatory provisions. The Polar Code applies to new ships constructed after January 1, 2017, and after January 1, 2018, ships
constructed before January 1, 2017 are required to meet the relevant requirements by the earlier of their first intermediate or renewal survey.

Furthermore, recent action by the IMO’s Maritime Safety Committee and United States agencies indicates that cybersecurity regulations for the maritime
industry are likely to be further developed in the near future in an attempt to combat cybersecurity threats. By IMO resolution, administrations are
encouraged to ensure that cyber-risk management systems are incorporated by ship-owners and managers by their first annual Document of Compliance
audit after January 1, 2021. In February 2021, the U.S. Coast Guard published guidance on addressing cyber risks in a vessel’s safety management system.
This might cause companies to create additional procedures for monitoring cybersecurity, which could require additional expenses and/or capital
expenditures. The impact of future regulations is hard to predict at this time.

In June 2022, SOLAS also set out new amendments that took effect on January 1, 2024, which include new requirements for: (1) the design for safe
mooring operations, (2) the Global Maritime Distress and Safety System (“GMDSS”), (3) watertight integrity, (4) watertight doors on cargo ships, (5) fault-
isolation of fire detection systems, (6) life-saving appliances, and (7) safety of ships using LNG as fuel. These new requirements may impact the cost of our
operations.

Pollution Control and Liability Requirements

The IMO has negotiated international conventions that impose liability for pollution in international waters and the territorial waters of the signatories to
such conventions. For example, the IMO adopted an International Convention for the Control and Management of Ships’ Ballast Water and Sediments (the
“BWM  Convention”)  in  2004.  The  BWM  Convention  entered  into  force  on  September  8,  2017.  The  BWM  Convention  requires  ships  to  manage  their
ballast water to remove, render harmless, or avoid the uptake or discharge of new or invasive aquatic organisms and pathogens within ballast water and
sediments.  The  BWM  Convention’s  implementing  regulations  call  for  a  phased  introduction  of  mandatory  ballast  water  exchange  requirements,  to  be
replaced  in  time  with  mandatory  concentration  limits,  and  require  all  ships  to  carry  a  ballast  water  record  book  and  an  international  ballast  water
management certificate.

On December 4, 2013, the IMO Assembly passed a resolution revising the application dates of the BWM Convention so that the dates are triggered by the
entry into force date and not the dates originally in the BWM Convention. This, in effect, makes all vessels delivered before the entry into force date
“existing vessels” and allows for the installation of ballast water management systems on such vessels at the first International Oil Pollution Prevention
(IOPP) renewal survey following entry into force of the convention. The MEPC adopted updated guidelines for approval of ballast water management
systems (G8) at MEPC 70. At MEPC 71, the schedule regarding the BWM Convention’s implementation dates was also discussed and amendments were
introduced to extend the date existing vessels are subject to certain ballast water standards. Those changes were adopted at MEPC 72. Ships over 400 gross
tons generally must comply with a “D-1 standard,” requiring the exchange of ballast water only in open seas and away from coastal waters. The “D-2
standard” specifies the maximum amount of viable organisms allowed to be discharged, and compliance dates vary depending on the IOPP renewal dates.
Depending on the date of the IOPP renewal survey, existing vessels must comply with the D-2 standard on or after September 8, 2019. For most ships,
compliance with the D-2 standard will involve installing on-board systems to treat ballast water and eliminate unwanted organisms. Ballast water
management systems, which include systems that make use of chemical, biocides, organisms or biological mechanisms, or which alter the chemical or
physical characteristics of the ballast water, must be approved in accordance with IMO Guidelines (Regulation D-3). As of October 13, 2019, MEPC 72’s
amendments to the BWM Convention took effect, making the Code for Approval of Ballast Water Management Systems, which governs assessment of
ballast water management systems, mandatory rather than permissive, and formalized an implementation schedule for the D-2 standard. Under these
amendments, all ships must meet the D-2 standard by September 8, 2024. Costs of compliance with these regulations may be substantial. Additionally, in
November 2020, MEPC 75 adopted amendments to the BWM Convention which would require a commissioning test of the ballast water management
system for the initial survey or when performing an additional survey for retrofits. This analysis will not apply to ships that already have an installed BWM
system certified under the BWM Convention. These amendments entered into force on June 1, 2022. In December 2022, MEPC 79 agreed that it should be
permitted to use ballast tanks for temporary storage of treated sewage and grey water. MEPC 79 also established that ships are expected to return to D-2
compliance after experiencing challenging uptake water and bypassing a BWM system should only be used as a last resort. In July 2023, MEPC 80
approved a plan for a comprehensive review of the BWM Convention over the next three years and the corresponding development of a package of
amendments to the Convention. MEPC 80 also adopted further amendments relating to Appendix II of the BWM Convention concerning the form of the
Ballast Water Record Book, which are expected to enter into force in February 2025. A protocol for ballast water compliance monitoring devices and
unified interpretation of the form of the BWM Convention certificate were also adopted.

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Once mid-ocean exchange ballast water treatment requirements become mandatory under the BWM Convention, the cost of compliance could increase for
ocean carriers and may have a material effect on our operations. However, many countries already regulate the discharge of ballast water carried by vessels
from country to country to prevent the introduction of invasive and harmful species via such discharges. The U.S., for example, requires vessels entering its
waters from another country to conduct mid-ocean ballast exchange, or undertake some alternate measure, and to comply with certain reporting
requirements. The system specification requirements for trading in the U.S. have been formalized and we have been installing ballast water treatment
systems on our vessels as their special survey deadlines come due. These ballast water treatment systems range in cost from $0.5 million to $0.7 million
each, primarily dependent on the size of the vessel. Refer to “Capital Expenditures” section for further information.

The IMO adopted the International Convention on Civil Liability for Oil Pollution Damage of 1969, as amended by different Protocols in 1976, 1984, and
1992, and amended in 2000 (the “CLC”). Under the CLC and depending on whether the country in which the damage results is a party to the 1992 Protocol
to the CLC, a vessel’s registered owner may be strictly liable for pollution damage caused in the territorial waters of a contracting state by discharge of
persistent oil, subject to certain exceptions. The 1992 Protocol changed certain limits on liability expressed using the International Monetary Fund currency
unit, the Special Drawing Rights. The limits on liability have since been amended so that the compensation limits on liability were raised. The right to limit
liability is forfeited under the CLC where the spill is caused by the shipowner’s actual fault and under the 1992 Protocol where the spill is caused by the
shipowner’s intentional or reckless act or omission where the shipowner knew pollution damage would probably result. The CLC requires ships over 2,000
tons covered by it to maintain insurance covering the liability of the owner in a sum equivalent to an owner’s liability for a single incident. We have
protection and indemnity insurance for environmental incidents. P&I Clubs in the International Group issue the required Bunkers Convention “Blue Cards”
to enable signatory states to issue certificates. All of our vessels are in possession of a CLC State issued certificate attesting that the required insurance
coverage is in force.

The IMO also adopted the International Convention on Civil Liability for Bunker Oil Pollution Damage (the “Bunker Convention”) to impose strict liability
on ship owners (including the registered owner, bareboat charterer, manager or operator) for pollution damage in jurisdictional waters of ratifying states
caused by discharges of bunker fuel. The Bunker Convention requires registered owners of ships over 1,000 gross tons to maintain insurance for pollution
damage in an amount equal to the limits of liability under the applicable national or international limitation regime (but not exceeding the amount calculated
in accordance with the LLMC). With respect to non-ratifying states, liability for spills or releases of oil carried as fuel in ship’s bunkers typically is
determined by the national or other domestic laws in the jurisdiction where the events or damages occur.

Ships are required to maintain a certificate attesting that they maintain adequate insurance to cover an incident. In jurisdictions, such as the United States
where the CLC or the Bunker Convention has not been adopted, various legislative schemes or common law govern, and liability is imposed either on the
basis of fault or on a strict-liability basis.

Anti-Fouling Requirements

In 2001, the IMO adopted the International Convention on the Control of Harmful Anti-fouling Systems on Ships, or the “Anti-fouling Convention.” The
Anti-fouling Convention, which entered into force on September 17, 2008, prohibits the use of organotin compound coatings to prevent the attachment of
mollusks and other sea life to the hulls of vessels. The exteriors of vessels constructed prior to January 1, 2003 that have not been in drydock must, as of
September 17, 2008, either not contain the prohibited compounds or have coatings applied to the vessel exterior that act as a barrier to the leaching of the
prohibited compounds. Vessels of over 400 gross tons engaged in international voyages will also be required to undergo an initial survey before the vessel is
put into service or before an International Anti-fouling System Certificate, or the “IAFS Certificate,” is issued for the first time; and subsequent surveys
when  the  anti-fouling  systems  are  altered  or  replaced.  Vessels  of  24  meters  in  length  or  more  but  less  than  400  gross  tonnage  engaged  in  international
voyages will have to carry a Declaration on Anti-fouling Systems signed by the owner or authorized agent.

In November 2020, MEPC 75 approved draft amendments to the Anti-fouling Convention to prohibit anti-fouling systems containing cybutryne, which
would apply to ships from January 1, 2023, or, for ships already bearing such an anti-fouling system, at the next scheduled renewal of the system after that
date, but no later than 60 months following the last application to the ship of such a system. In addition, the IAFS Certificate has been updated to address
compliance options for anti-fouling systems to address cybutryne. Ships which are affected by this ban on cybutryne must receive an updated IAFS
Certificate no later than two years after the entry into force of these amendments. Ships which are not affected (i.e. with anti-fouling systems which do not
contain cybutryne) must receive an updated IAFS Certificate at the next Anti-fouling application to the vessel. These amendments were formally adopted at
MEPC 76 in June 2021, and entered into force on January 1, 2023.

We have obtained Anti-fouling System Certificates for all of our vessels that are subject to the Anti-fouling Convention.

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Compliance Enforcement

Noncompliance with the ISM Code or other IMO regulations may subject the ship owner or bareboat charterer to increased liability, may lead to decreases
in available insurance coverage for affected vessels and may result in the denial of access to, or detention in, some ports. The USCG and European Union
authorities have indicated that vessels not in compliance with the ISM Code by applicable deadlines will be prohibited from trading in U.S. and European
Union ports, respectively. As of the date of this report, each of our vessels is ISM Code certified. However, there can be no assurance that such certificates
will be maintained in the future. The IMO continues to review and introduce new regulations. It is impossible to predict what additional regulations, if any,
may be passed by the IMO and what effect, if any, such regulations might have on our operations.

International Code for Ships Operating in Polar Waters

The  IMO  in  November  2014  adopted  the  International  Code  for  Ships  Operating  in  Polar  Waters  (the  “Polar  Code”),  and  related  amendments  to  the
International Convention for the Safety of Life at Sea (“SOLAS”) to make it mandatory.

The Polar Code is mandatory under both SOLAS and MARPOL because it contains both safety and environment related provisions. The MEPC adopted the
Polar Code and associated MARPOL amendments in May 2015.

The U.S. Oil Pollution Act of 1990 and Comprehensive Environmental Response, Compensation and Liability Act

The Oil Pollution Act of 1990, ("OPA"), established an extensive regulatory and liability regime for the protection and cleanup of the environment from oil
spills. OPA affects all “owners and operators” whose vessels trade with the United States, its territories and possessions or whose vessels operate in United
States  waters,  which  includes  the  United  States’  territorial  sea  and  its  200  nautical  mile  exclusive  economic  zone  around  the  United  States.  The  United
States  has  also  enacted  the  Comprehensive  Environmental  Response,  Compensation  and  Liability  Act,  or  CERCLA,  which  applies  to  the  discharge  of
hazardous substances other than oil, whether on land or at sea. OPA and CERCLA both define “owner and operator” in the case of a vessel as any person
owning, operating or chartering by demise, the vessel. Both OPA and CERCLA impact the Company’s operations.

Under OPA, vessel owners and operators are “responsible parties” and are jointly, severally and strictly liable (unless the spill results solely from the act or
omission of a third party, an act of God or an act of war) for all containment and clean-up costs and other damages arising from discharges or threatened
discharges of oil from their vessels. OPA defines these other damages broadly to include:

•

•

•

•

•

•

injury to, destruction or loss of, or loss of use of, natural resources and related assessment costs;

injury to, or economic losses resulting from, the destruction of real and personal property;

net loss of taxes, royalties, rents, fees or net profit revenues resulting from injury, destruction or loss of real or personal property, or natural resources;

loss of subsistence use of natural resources that are injured, destroyed or lost;

lost profits or impairment of earning capacity due to injury, destruction or loss of real or personal property or natural resources; and

net cost of increased or additional public services necessitated by removal activities following a discharge of oil, such as protection from fire, safety
or health hazards, and loss of subsistence use of natural resources.

OPA contains statutory caps on liability and damages; such caps do not apply to direct cleanup costs. Effective December 31, 2015, the U.S. Coast Guard
adjusted the limits of OPA liability for non-tank vessels (e.g. drybulk) to the greater of $1,200 per gross ton or $997,100 (subject to periodic adjustment for
inflation). Effective March 23, 2023, the new adjusted limits of OPA liability for non-tank vessels, edible oil tank vessels, and any oil spill response vessels,
to the greater of $1,300 per gross ton or $1,076,000 (subject to periodic adjustment for inflation). These limits of liability do not apply if an incident was
proximately caused by the violation of an applicable U.S. federal safety, construction or operating regulation by a responsible party (or its agent, employee
or  a  person  acting  pursuant  to  a  contractual  relationship),  or  a  responsible  party’s  gross  negligence  or  willful  misconduct.  The  limitation  on  liability
similarly does not apply if the responsible party fails or refuses to (i) report the incident where the responsibility party knows or has reason to know of the
incident; (ii) reasonably cooperate and assist as requested in

19

 
 
 
 
 
connection with oil removal activities; or (iii) without sufficient cause, comply with an order issued under the Federal Water Pollution Act (Section 311 (c),
(e)) or the Intervention on the High Seas Act.

CERCLA contains a similar liability regime whereby owners and operators of vessels are liable for cleanup, removal and remedial costs, as well as damages
for injury to, or destruction or loss of, natural resources, including the reasonable costs associated with assessing same, and health assessments or health
effects studies. There is no liability if the discharge of a hazardous substance results solely from the act or omission of a third party, an act of God or an act
of war. Liability under CERCLA is limited to the greater of $300 per gross ton or $5.0 million for vessels carrying a hazardous substance as cargo and the
greater  of  $300  per  gross  ton  or  $500,000  for  any  other  vessel.  These  limits  do  not  apply  (rendering  the  responsible  person  liable  for  the  total  cost  of
response and damages) if the release or threat of release of a hazardous substance resulted from willful misconduct or negligence, or the primary cause of
the  release  was  a  violation  of  applicable  safety,  construction  or  operating  standards  or  regulations.  The  limitation  on  liability  also  does  not  apply  if  the
responsible person fails or refused to provide all reasonable cooperation and assistance as requested in connection with response activities where the vessel
is subject to OPA.

OPA and CERCLA both require owners and operators of vessels to establish and maintain with the U.S. Coast Guard evidence of financial responsibility
sufficient to meet the maximum amount of liability to which the particular responsible person may be subject. Vessel owners and operators may satisfy their
financial responsibility obligations by providing a proof of insurance, a surety bond, qualification as a self-insurer or a guarantee.

Incidents such as the 2010 Deepwater Horizon oil spill in the Gulf of Mexico may result in additional regulatory initiatives or statutes, including the raising
of  liability  caps  under  OPA  (which  were  raised  on  December  31,  2015).  Compliance  with  any  new  requirements  of  OPA  may  substantially  impact  the
Company’s cost of operations or require it to incur additional expenses to comply with any new regulatory initiatives or statutes. Additional legislation or
regulations applicable to the operation of its vessels that may be implemented in the future could adversely affect its business.

The Company currently maintains pollution liability coverage insurance in the amount of $1.0 billion per incident for each of the Company’s vessels. If the
damages from a catastrophic spill were to exceed the Company’s insurance coverage it could have an adverse effect on its business and results of operation.

OPA  specifically  permits  individual  states  to  impose  their  own  liability  regimes  with  regard  to  oil  pollution  incidents  occurring  within  their  boundaries,
provided they accept, at a minimum, the levels of liability established under OPA and some states have enacted legislation providing for unlimited liability
for oil spills. In some cases, states which have enacted such legislation have not yet issued implementing regulations defining vessel owners’ responsibilities
under these laws. The Company intends to comply with all applicable state regulations in the ports where its vessels call. The Company believes that it is in
substantial  compliance  with  all  applicable  existing  state  requirements.  In  addition,  the  Company  intends  to  comply  with  all  future  applicable  state
regulations in the ports where its vessels call.

Other United States Environmental Initiatives

The U.S. Clean Water Act, or CWA, prohibits the discharge of oil, hazardous substances and ballast water in U.S. navigable waters unless authorized by a
duly-issued permit or exemption, and imposes strict liability in the form of penalties for any unauthorized discharges. The CWA also imposes substantial
liability for the costs of removal, remediation and damages, and complements the remedies available under OPA and CERCLA. Furthermore, many U.S.
states that border a navigable waterway have enacted environmental pollution laws that impose strict liability on a person for removal costs and damages
resulting from a discharge of oil or a release of a hazardous substance. These laws may be more stringent than U.S. federal law.

The EPA and the USCG have also enacted rules relating to ballast water discharge, compliance with which requires the installation of equipment on our
vessels to treat ballast water before it is discharged or the implementation of other port facility disposal arrangements or procedures at potentially substantial
costs, and/or otherwise restrict our vessels from entering U.S. Waters. The EPA will regulate these ballast water discharges and other discharges incidental
to the normal operation of certain vessels within United States waters pursuant to the Vessel Incidental Discharge Act (“VIDA”), which was signed into law
on December 4, 2018 and replaces the 2013 Vessel General Permit (“VGP”) program (which authorizes discharges incidental to operations of commercial
vessels and contains numeric ballast water discharge limits for most vessels to reduce the risk of invasive species in U.S. waters, stringent requirements for
exhaust  gas  scrubbers,  and  requirements  for  the  use  of  environmentally  acceptable  lubricants)  and  current  Coast  Guard  ballast  water  management
regulations  adopted  under  the  U.S.  National  Invasive  Species  Act  (“NISA”),  such  as  mid-ocean  ballast  exchange  programs  and  installation  of  approved
USCG technology for all vessels equipped with ballast water tanks bound for U.S. ports or entering U.S. waters. VIDA establishes a new framework for the
regulation of vessel incidental discharges under Clean Water Act (CWA), requires the EPA to develop

20

 
 
 
 
 
 
 
 
performance standards for those discharges within two years of enactment, and requires the U.S. Coast Guard to develop implementation, compliance, and
enforcement  regulations  within  two  years  of  EPA’s  promulgation  of  standards.  Under  VIDA,  all  provisions  of  the  2013  VGP  and  USCG  regulations
regarding ballast water treatment remain in force and effect until the EPA and U.S. Coast Guard regulations are finalized. Non-military, non-recreational
vessels greater than 79 feet in length must continue to comply with the requirements of the VGP, including submission of a Notice of Intent (“NOI”) or
retention  of  a  PARI  form  and  submission  of  annual  reports.  We  have  submitted  NOIs  for  our  vessels  where  required.  On  October  26,  2020,  the  EPA
published a Notice of Proposed Rulemaking for Vessel Incidental Discharge National Standards of Performance under
VIDA.  Within  two  years  after  the  EPA  publishes  its  final  Vessel  Incidental  Discharge  National  Standards  of  Performance,  the  U.S.  Coast  Guard  must
develop corresponding implementation, compliance and enforcement regulations regarding ballast water. Compliance with the EPA, U.S. Coast Guard and
state  regulations  could  require  the  installation  of  ballast  water  treatment  equipment  on  our  vessels  or  the  implementation  of  other  port  facility  disposal
procedures at potentially substantial cost, or may otherwise restrict our vessels from entering U.S. waters. 

European Union Regulations

In October 2009, the European Union amended a directive to impose criminal sanctions for illicit ship-source discharges of polluting substances, including
minor discharges, if committed with intent, recklessly or with serious negligence and the discharges individually or in the aggregate result in deterioration of
the quality of water. Aiding and abetting the discharge of a polluting substance may also lead to criminal penalties. The directive applies to all types of
vessels,  irrespective  of  their  flag,  but  certain  exceptions  apply  to  warships  or  where  human  safety  or  that  of  the  ship  is  in  danger.  Criminal  liability  for
pollution may result in substantial penalties or fines and increased civil liability claims. Regulation (EU) 2015/757 of the European Parliament and of the
Council  of  29  April  2015  (amending  EU  Directive  2009/16/EC)  governs  the  monitoring,  reporting  and  verification  of  carbon  dioxide  emissions  from
maritime transport, and, subject to some exclusions, requires companies with ships over 5,000 gross tonnage to monitor and report carbon dioxide emissions
annually, which may cause us to incur additional expenses.

The European Union has adopted several regulations and directives requiring, among other things, more frequent inspections of high-risk ships, as
determined by type, age, and flag as well as the number of times the ship has been detained. The European Union also adopted and extended a ban on
substandard ships and enacted a minimum ban period and a definitive ban for repeated offenses. The regulations also provided the European Union with
greater authority and control over classification societies, by imposing more requirements on classification societies and providing for fines or penalty
payments for organizations that failed to comply. Furthermore, the EU has implemented regulations requiring vessels to use reduced sulfur content fuel for
their main and auxiliary engines. The EU Directive 2005/33/EC (amending Directive 1999/32/EC) introduced requirements parallel to those in Annex VI
relating to the sulfur content of marine fuels. In addition, the EU imposed a 0.1% maximum sulfur requirement for fuel used by ships at berth in the Baltic,
the North Sea and the English Channel (the so-called “SOx-Emission Control Area”). As of January 2020, EU member states must also ensure that ships in
all EU waters, except the SOx-Emission Control Area, use fuels with a 0.5% maximum sulfur content.

On September 15, 2020, the European Parliament voted to include greenhouse gas emissions from the maritime sector in the European Union’s carbon
market, the EU Emissions Trading System (“EU ETS”) as part of its “Fit-for-55” legislation to reduce net greenhouse gas emissions by at least 55% by 2030
as compared to 1990 levels. On July 14, 2021, the European Parliament formally proposed its plan, which would involve gradually including the maritime
sector from 2023 and phasing the sector in over a three-year period. This will require shipowners to buy permits to cover these emissions. The Environment
Council adopted a general approach on the proposal in June 2022. On December 18, 2022, the Environmental Council and European Parliament agreed to
include maritime shipping emissions within the scope of the EU ETS on a gradual introduction of obligations for shipping companies to surrender
allowances equivalent to a portion of their carbon emissions: 40% for verified emissions from 2024, 70% for 2025 and 100% for 2026. Most large vessels
will be included in the scope of the EU ETS from the start. Big offshore vessels of 5,000 gross tonnage and above will be included in the 'MRV' on the
monitoring, reporting and verification of CO2 emissions from maritime transport regulation from 2025 and in the EU ETS from 2027. General cargo vessels
and off-shore vessels between 400-5,000 gross tonnage will be included in the MRV regulation from 2025 and their inclusion in EU ETS will be reviewed
in 2026. Furthermore, starting from January 1, 2026, the ETS regulations will expand to include emissions of two additional greenhouse gases: nitrous oxide
and methane. Compliance with the Maritime EU ETS will result in additional compliance and administration costs to properly incorporate the provisions of
the Directive into our business routines. Additional EU regulations which are part of the EU’s "Fit-for-55," could also affect our financial position in terms
of compliance and administration costs when they take effect.

Additionally, on July 25, 2023, the European Council of the European Union adopted the Maritime Fuel Regulation under the FuelEU Initiative of its “Fit-
for-55” package which sets limitations on the acceptable yearly greenhouse gas intensity of the energy used by covered vessels. Among other things, the
Maritime Fuel Regulation requires that greenhouse gas emissions

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from covered vessels are reduced by 2% starting January 1, 2025, with additional reductions contemplated every five years (up to 80% from January 1,
2050).

Greenhouse Gas Regulation

Our industry currently is heavily dependent on the consumption of fossil fuels, which has been linked by certain experts to greenhouse gas emissions and
the warming of the global climate system. We are committed to working to reduce our carbon footprint, including by transitioning to low-carbon fuels while
continuing  to  deliver  for  our  customers.  Our  governance,  strategy,  risk  management  and  performance  monitoring  efforts  with  respect  to  managing  this
challenge continue to evolve.

Currently, the emissions of greenhouse gases from international shipping are not subject to the Kyoto Protocol of the United Nations Framework
Convention on Climate Change, which entered into force in 2005 and pursuant to which adopting countries have been required to implement national
programs to reduce greenhouse gas emissions with targets extended through 2020. International negotiations are continuing with respect to a successor to
the Kyoto Protocol, and restrictions on shipping emissions may be included in any new treaty. In December 2009, more than 27 nations, including the U.S.
and China, signed the Copenhagen Accord, which includes a non-binding commitment to reduce greenhouse gas emissions. The 2015 United Nations
Climate Change Conference in Paris resulted in the Paris Agreement, which entered into force on November 4, 2016 and does not directly limit greenhouse
gas emissions from ships. The U.S. initially entered into the agreement, but on June 1, 2017, former U.S. President Trump announced that the United States
intended to withdraw from the Paris Agreement, and the withdrawal became effective on November 4, 2020. On January 20, 2021, U.S. President Biden
signed an executive order to rejoin the Paris Agreement, which the U.S. officially rejoined on February 19, 2021.

At MEPC 70 and MEPC 71, a draft outline of the structure of the initial strategy for developing a comprehensive IMO strategy on reduction of greenhouse
gas emissions from ships was approved. In accordance with this roadmap, in April 2018, nations at the MEPC 72 adopted an initial strategy to reduce
greenhouse gas emissions from ships. The initial strategy identifies “levels of ambition” to reducing greenhouse gas emissions, including (1) decreasing the
carbon intensity from ships through implementation of further phases of the EEDI for new ships; (2) reducing carbon dioxide emissions per transport work,
as an average across international shipping, by at least 40% by 2030, pursuing efforts towards 70% by 2050, compared to 2008 emission levels; and (3)
reducing the total annual greenhouse emissions by at least 50% by 2050 compared to 2008 while pursuing efforts towards phasing them out entirely. The
initial strategy notes that technological innovation, alternative fuels and/or energy sources for international shipping will be integral to achieve the overall
ambition. These regulations could cause us to incur additional substantial expenses. At MEPC 77, the Member States agreed to initiate the revision of the
Initial IMO Strategy on Reduction of GHG emissions from ships, recognizing the need to strengthen the ambition during the revision process. In July 2023,
MEPC 80 adopted a revised strategy, which includes an enhanced common ambition to reach net-zero greenhouse gas emissions from international shipping
around or close to 2050, a commitment to ensure an uptake of alternative zero and near-zero greenhouse gas fuels by 2030, as well as i). reducing the total
annual greenhouse gas emissions from international shipping by at least 20%, striving for 30%, by 2030, compared to 2008; and ii). reducing the total
annual greenhouse gas emissions from international shipping by at least 70%, striving for 80%, by 2040, compared to 2008. At MEPC 80, the IMO also
announced its intention to develop and approve mid-term greenhouse gas reduction measures by Spring 2025, with entry into force of those measures in
2027. These measures include (1) a goal-based marine fuel standard regulating the phased reduction of the marine fuel's GHG intensity, and (2) a global
carbon pricing mechanism.

The EU made a unilateral commitment to reduce overall greenhouse gas emissions from its member states from 20% of 1990 levels by 2020. The EU also
committed to reduce its emissions by 20% under the Kyoto Protocol’s second period from 2013 to 2020. Starting in January 2018, large ships over 5,000
gross tonnage calling at EU ports are required to collect and publish data on carbon dioxide emissions and other information. Under the European Climate
Law, the EU committed to reduce its net greenhouse gas emissions by at least 55% by 2030 through its “Fit-for-55” legislation package. As part of this
initiative, regulations relating to the inclusion of greenhouse gas emissions from the maritime sector in the European Union’s carbon market, EU ETS, are
also forthcoming.

In  the  United  States,  the  EPA  issued  a  finding  that  greenhouse  gases  endanger  the  public  health  and  safety,  adopted  regulations  to  limit  greenhouse  gas
emissions from certain mobile sources, and proposed regulations to limit greenhouse gas emissions from large stationary sources. However, in March 2017,
former U.S. President Trump signed an executive order to review and possibly eliminate the EPA’s plan to cut greenhouse gas emissions, and in August
2019, the Administration announced plans to weaken regulations for methane emissions. Further, on August 13, 2020, the EPA released rules rolling back
standards to control methane and volatile organic compound emissions from new oil and gas facilities. However, U.S. President Biden recently directed the
EPA to publish a proposed rule suspending, revising, or rescinding certain of these rules. On November 2, 2021, the EPA issued a proposed rule under the
CAA designed to reduce methane emissions from oil and gas sources. The proposed rule would reduce 41 million tons of methane emissions between 2023
and 2035 and cut methane emissions in the oil

22

 
 
and gas sector by approximately 74 percent compared to emissions from this sector in 2005. EPA issued a supplemental proposed rule in November 2022 to
include  additional  methane  reduction  measures.  On  December  2,  2023,  the  Biden  Administration  announced  the  final  rule  that  includes  updated  and
strengthened standards for methane and other air pollutants from new, modified, and reconstructed sources, as well as Emissions Guidelines to assist states
in developing plans to limit methane emissions from existing sources. These new regulations could potentially affect our operations.

Any passage of climate control legislation or other regulatory initiatives by the IMO, the EU, the U.S. or other countries where we operate, or any treaty
adopted at the international level to succeed the Kyoto Protocol or Paris Agreement, that restricts emissions of greenhouse gases could require us to make
significant financial expenditures which we cannot predict with certainty at this time. Even in the absence of climate control legislation, our business may
be indirectly affected to the extent that climate change may result in sea level changes or certain weather events.

International Labor Organization

The International Labour Organization (the “ILO”) is a specialized agency of the UN that has adopted the Maritime Labor Convention 2006 (“MLC 2006”).
A Maritime Labor Certificate and a Declaration of Maritime Labor Compliance is required to ensure compliance with the MLC 2006 for all ships that are
500 gross tonnage or over and are either engaged in international voyages or flying the flag of a Member and operating from a port, or between ports, in
another country. We believe that all of our vessels are in substantial compliance with and are certified to meet MLC 2006.

Vessel Security Regulations

Since the terrorist attacks of September 11, 2001 in the United States, there have been a variety of initiatives intended to enhance vessel security such as the
U.S.  Maritime  Transportation  Security  Act  of  2002  (“MTSA”).  To  implement  certain  portions  of  the  MTSA,  the  USCG  issued  regulations  requiring  the
implementation of certain security requirements aboard vessels operating in waters subject to the jurisdiction of the United States and at certain ports and
facilities, some of which are regulated by the EPA.

Similarly, Chapter XI-2 of the SOLAS Convention imposes detailed security obligations on vessels and port authorities and mandates compliance with the
International Ship and Port Facility Security Code (“the ISPS Code”). The ISPS Code is designed to enhance the security of ports and ships against
terrorism. To trade internationally, a vessel must attain an International Ship Security Certificate (“ISSC”) from a recognized security organization approved
by the vessel’s flag state. Ships operating without a valid certificate may be detained, expelled from, or refused entry at port until they obtain an ISSC. The
various requirements, some of which are found in the SOLAS Convention, include, for example, on-board installation of automatic identification systems to
provide a means for the automatic transmission of safety-related information from among similarly equipped ships and shore stations, including information
on a ship’s identity, position, course, speed and navigational status; on-board installation of ship security alert systems, which do not sound on the vessel but
only alert the authorities on shore; the development of vessel security plans; ship identification number to be permanently marked on a vessel’s hull; a
continuous synopsis record kept onboard showing a vessel's history including the name of the ship, the state whose flag the ship is entitled to fly, the date on
which the ship was registered with that state, the ship's identification number, the port at which the ship is registered and the name of the registered owner(s)
and their registered address; and compliance with flag state security certification requirements.

The USCG regulations, intended to align with international maritime security standards, exempt non-U.S. vessels from MTSA vessel security measures,
provided such vessels have on board a valid ISSC that attests to the vessel’s compliance with the SOLAS Convention security requirements and the ISPS
Code. Future security measures could have a significant financial impact on us. We intend to comply with the various security measures addressed by
MTSA, the SOLAS Convention and the ISPS Code.

The cost of vessel security measures has also been affected by the escalation in the frequency of acts of piracy against ships, notably off the coast of
Somalia, including the Gulf of Aden and Arabian Sea area, as well as off the coast of Western Africa. Substantial loss of revenue and other costs may be
incurred as a result of detention of a vessel or additional security measures, and the risk of uninsured losses could significantly affect our business. Costs are
incurred in taking additional security measures in accordance with Best Management Practices to Deter Piracy, notably those contained in the BMP5
industry standard.

23

 
Inspection by Classification Societies

Every oceangoing vessel must be “classed” by a classification society. The classification society certifies that the vessel is “in class,” signifying that the
vessel  has  been  built  and  maintained  in  accordance  with  the  rules  of  the  classification  society  and  complies  with  applicable  rules  and  regulations  of  the
vessel's country of registry and the international conventions of which that country is a member. In addition, where surveys are required by international
conventions and corresponding laws and ordinances of a flag state, the classification society will undertake them on application or by official order, acting
on behalf of the authorities concerned.

The  classification  society  also  undertakes,  as  requested,  other  surveys  that  may  be  required  by  the  vessel's  flag  state.  These  surveys  are  subject  to
agreements made with the vessel owner and/or to the regulations of the country concerned.

For maintenance of the class certification, annual, intermediate and special surveys of hull and machinery, including the electrical plant, and any special
equipment, are required to be performed as follows:

•

•

•

Annual Surveys: For seagoing ships, annual surveys are conducted within three months, before or after each anniversary of the class period indicated
in the certificate.

Intermediate  Surveys:  Extended  surveys  are  referred  to  as  intermediate  surveys  and  are  typically  conducted  two  and  one-half  years  after
commissioning,  and  two  and  one-half  years  after  each  class  renewal.  Intermediate  surveys  are  to  be  carried  out  at  or  between  the  occasion  of  the
second or third annual survey.

Class  Renewal  Surveys:  Class  renewal  surveys,  also  known  as  special  surveys,  are  carried  out  at  the  intervals  indicated  by  the  character  of
classification for the hull. At the special survey, the vessel is thoroughly examined, including audio-gauging to determine the thickness of the steel
structures. If the steel thickness is found to be less than class requirements, the classification society would prescribe steel renewals which require
drydocking of the vessel. The classification society may grant a one-year grace period for completion of the special survey. Substantial costs may be
incurred for steel renewal in order to pass a special survey if the vessel experiences excessive wear and tear. In lieu of the special survey every four or
five years, depending on whether a grace period was granted, a shipowner has the option of arranging with the classification society for the vessel’s
hull or machinery to be on a continuous survey cycle, in which case every part of the vessel would be surveyed on a continuous five-year cycle. This
process is referred to as continuous class renewal.

All areas subject to survey, as defined by the classification society, are required to be surveyed at least once per class period unless shorter intervals between
surveys are prescribed elsewhere. The period between two subsequent surveys of each area must not exceed five years.

Most vessels undergo regulatory inspection of the underwater parts every 30 to 36 months. If any defects are found, the classification surveyor will issue a
recommendation which must be rectified by the ship owner within prescribed time limits.

The Company expects to perform two special surveys in 2024 at an aggregate total cost of approximately $2.0 million. The Company expects to perform
four intermediate surveys in 2024 at an aggregate total cost of approximately $0.3 million. The Company estimates that offhire related to the surveys and
related repair work is ten to twenty days per vessel, depending on the size and condition of the vessel.

Most insurance underwriters make it a condition for insurance coverage that a vessel be certified as “in class” by a classification society which is a member
of the International Association of Classification Societies. All of the Company’s vessels are certified by Det Norske Veritas, Nippon Kaiji Kiokai or Bureau
Veritas. All new and second-hand vessels that the Company purchases must be certified prior to delivery under its standard purchase contracts, referred to as
the memorandum of agreement or ship building contracts. Certification of second-hand vessels must be verified by a Class Maintenance Certificate issued
within 72 hours prior to delivery. If the vessel is not certified on the date of closing, the Company has the option to cancel the agreement on the basis of
Seller’s default, and not take delivery of the vessel.

Risk of Loss and Insurance

General

The operation of any dry bulk vessel includes risks such as mechanical failure, collision, property loss, cargo loss or damage, and business interruption due
to political circumstances in foreign countries, hostilities and labor strikes. In addition, there is an inherent possibility of marine disaster, including oil spills
(e.g. fuel oil) and other environmental incidents, and the liabilities

24

 
 
 
 
 
 
 
 
 
arising from owning and operating vessels in international trade. OPA, which imposes virtually unlimited liability for certain oil pollution accidents upon
owners, operators and demise charterers of vessels trading in the United States exclusive economic zone, has made liability insurance more expensive for
ship owners and operators trading in the U.S. market.

The Company maintains hull and machinery insurance, war risks insurance, protection and indemnity cover and freight, demurrage and defense cover for its
owned fleet at amounts it believes address the normal risks of its operations. The Company may not be able to maintain this level of coverage throughout a
vessel’s useful life. Furthermore, while the Company believes that its current insurance coverage is adequate, not all risks can be insured, and there can be
no guarantee that any specific claim will be paid, or that the Company will always be able to obtain adequate insurance coverage at reasonable rates.

Hull & Machinery and War Risks Insurance

The Company maintains marine hull and machinery and war risks insurances, which cover the risk of actual or constructive total loss, for all of its vessels.
Vessels are insured for their fair market value, at a minimum, with a deductible of $100,000 per vessel per incident.

Protection and Indemnity Insurance

Protection  and  indemnity  insurance  is  a  form  of  mutual  indemnity  insurance  provided  by  mutual  protection  and  indemnity  associations,  or  P&I
Associations, which insure the Company’s third party liabilities in connection with its shipping activities. This includes third-party liability and other related
expenses resulting from the injury, illness or death of crew, passengers and other third parties, the loss or damage to cargo, claims arising from collisions
with other vessels, damage to other third-party property, pollution arising from oil or other substances and salvage, towing and other related costs, including
wreck removal. Subject to the “capping” discussed below, the Company’s coverage, except for pollution, is unlimited.

The Company’s current protection and indemnity insurance coverage for pollution is $1.0 billion per vessel per incident. The thirteen P&I Associations that
comprise the International Group insure approximately 90% of the world’s commercial tonnage and have entered into a pooling agreement to reinsure each
association’s liabilities. As a member of a P&I Association, which is a member of the International Group, the Company is subject to calls payable to the
associations based on the group’s claim records as well as the claim records of all other members of the individual associations and members of the pool of
P&I Associations comprising the International Group.

Exchange Controls

The Company is an exempted company organized under the Bermuda Companies Act. The Bermuda Companies Act differs in some material respects from
laws generally applicable to United States companies and their stockholders. However, a general permission issued by the Bermuda Monetary Authority,
("BMA"),  results  in  the  Company’s  common  shares  being  freely  transferable  among  persons  who  are  residents  and  non-residents  of  Bermuda.  Each
shareholder, whether a resident or non-resident of Bermuda, is entitled to one vote for each share of stock held by the shareholder.

Although the Company is incorporated in Bermuda, the Company is classified as a non-resident of Bermuda for exchange control purposes by the BMA.
Other  than  transferring  Bermuda  Dollars  out  of  Bermuda,  there  are  no  restrictions  on  its  ability  to  transfer  funds  into  and  out  of  Bermuda  or  to  pay
dividends in currency other than Bermuda Dollars to U.S. residents (or other non-residents of Bermuda) who are holders of its common shares.

In accordance with Bermuda law, share certificates may be issued only in the names of corporations, individuals or legal persons. In the case of an applicant
acting  in  a  special  capacity  (for  example,  as  an  executor  or  trustee),  certificates  may,  at  the  request  of  the  applicant,  record  the  capacity  in  which  the
applicant  is  acting.  Notwithstanding  the  recording  of  any  such  special  capacity,  the  Company  is  not  bound  to  investigate  or  incur  any  responsibility  in
respect of the proper administration of any such estate or trust.

The Company will take no notice of any trust applicable to any of its shares or other securities whether or not the Company had notice of such trust.

25

 
 
 
 
 
 
 
 
 
INDUSTRY AND MARKET CONDITIONS

Market Overview

Ocean going vessels represent the most efficient and often the only means of transporting large volumes of dry cargo over long distances. Dry bulk cargo
includes  both  major  and  minor  commodities  such  as  coal,  iron  ore,  grain,  bauxite,  cement  clinker,  and  limestone.  Dry  bulk  trade  is  influenced  by  the
underlying demand for the dry bulk commodities which in turn is influenced by the level of global economic activity.

The  world’s  fleet  of  vessels  dedicated  to  carrying  dry  bulk  cargoes  is  traditionally  divided  into  six  major  categories,  based  on  a  vessel’s  cargo  carrying
capacity. These categories are: Handysize, Supramax, Ultramax, Panamax, Capesize and Very Large Ore Carrier. Certain routes and geographies are less
accessible  to  certain  vessel  sizes.  For  example,  Panamax  and  Supramax  vessels  are  the  main  dry  bulk  vessel  types  deployed  in  the  Baltic  due  to  draft
restrictions.

Dry bulk vessels are employed through a number of different chartering options. The most common are time charters, spot charters, and voyage charters.
Historically,  charter  rates  have  been  volatile  as  they  are  driven  by  the  underlying  balance  between  vessel  supply  and  demand.  Ice  class  vessels,  when
operating in ice-bound areas, usually command a rate premium to conventional trades.

Dry Bulk Shipping — the Main Participants

In the dry bulk shipping industry there are multiple functions, with individual parties carrying out one or more of such functions. In general, the principal
functions within dry bulk shipping are as follows:

•

•

•

•

•

Ship Owner or Registered Owner — Generally, this is an entity retaining the legal title of ownership over a vessel.

Ship Operator — Generally, this is an entity seeking to generate profit either through the chartering of ships (owned or chartered-in) to others, or from
the  transportation  of  cargoes.  Entities  focusing  on  the  transportation  of  cargoes  may  engage  in  chartering  of  ships  to  other  entities,  but  those
companies focusing on chartering ships to other entities rarely act to carry cargoes for customers.

Shipmanager/Commercial Manager — This is an entity designated to be responsible for the day to day commercial management of the ship and the
best  contact  for  the  ship  regarding  commercial  matters,  including  post  fixture  responsibilities,  such  as  laytime,  demurrage,  insurance  and  charter
clauses. These companies undertake the activities of ship operators but, unlike a ship operator, they do not own or charter-in the vessels at their own
risk.

Technical Manager — This is an entity specifically responsible for the technical operation and technical superintendence of a ship. This company may
also be responsible for hiring, training and supervising ship officers and crew, and for all aspects of the day to day operation of the fleet, including
repair work, spare parts inventory, re-engineering, surveys and dry-docking.

Cargo Owner — This is normally a producer (e.g., a miner), consumer (e.g., a steel mill) or trading house who requires transportation of cargo by a
cargo focused ship operator.

The Company participates in each of these capacities with the exception of cargo owner, although at rare opportunistic times the Company may purchase
cargo for resale after completion of a voyage.

The Freight Market

Dry bulk vessels are employed in the market through a number of different chartering options. The general terms typically found in these types of contracts
are described below.

•

Time Charter. A charter under which the vessel owner or operator is paid charterhire on a per-day basis for a specified period of time. Typically, the
shipowner receives semi-monthly charterhire payments on a U.S. dollar-per-day basis and is responsible for providing the crew and paying vessel
operating  expenses,  while  the  charterer  is  responsible  for  paying  the  voyage  expenses  and  additional  voyage  insurance.  The  ship  owner  is  also
responsible for the vessel’s intermediate and special survey (heavy mandatory maintenance) costs. Under time charters, including trip charters, the
charterer pays all voyage expenses including port, canal and bunker (fuel) costs.

26

 
 
 
 
 
 
 
 
 
•

•

•

•

Trip Charter. A time charter for a trip to carry a specific cargo from a load port to a discharge port at a set daily rate.

Voyage Charter. A charter to carry a specific amount and type of cargo on a load-port to discharge-port basis, subject to various cargo handling terms.
Most  of  these  charters  are  of  a  single  voyage  nature,  as  trading  patterns  do  not  encourage  round  trip  voyage  trading.  The  ship  operator  receives
payment based on a price per ton of cargo loaded on board the vessel. The ship operator is responsible for the payment of all voyage expenses, as well
as the costs of owning or hiring the vessel.

Contract  of  Affreightment. A  contract  of  affreightment,  or  COA,  relates  to  the  carriage  of  multiple  cargoes  over  the  same  route  and  enables  the
service  provider  to  nominate  different  vessels  to  perform  the  individual  voyages.  Essentially,  it  constitutes  a  series  of  voyage  charters  to  carry  a
specified amount of cargo during the term of the CoA, which usually spans a number of months or years. Freight normally is agreed on a U.S. dollar-
per-ton carried basis with bunker cost escalation or de-escalation adjustments.

Bareboat  Charter.  A  bareboat  charter  involves  the  use  of  a  vessel,  usually  over  longer  periods  of  time  (several  years).  In  this  case,  all  voyage
expenses and vessel operating expenses, including maintenance, crewing and insurance, are paid for by the charterer. The owner of the vessel receives
monthly charterhire payments on a U.S. dollar per day basis and is responsible only for the payment of capital costs related to the vessel. A bareboat
charter is also known as a “demise charter” or a “time charter by demise.”

The Company primarily employs its vessels under voyage charters together with COAs and time charters.

Rates

In the time charter (period) market, rates vary depending on the length of the charter period and vessel specific factors such as age, speed, size and fuel
consumption.  In  the  voyage  charter  market,  rates  are  influenced  by  cargo  size,  commodity,  port  dues,  bunker  prices,  and  canal  transit  fees,  as  well  as
delivery and redelivery regions. In general, a larger cargo size is quoted at a lower rate per ton than a smaller cargo size. Routes with costly ports or canals
generally command higher rates. Voyages loading from a port where vessels usually discharge cargo, or discharging at a port where vessels usually load
cargo, are generally quoted at lower rates. These voyages are known as “backhaul” voyages.

In  some  cases,  charters  will  include  an  additional  payment  known  as  a  ballast  bonus.  A  ballast  bonus  is  a  lump  sum  payment  made  to  a  shipowner  or
operator (by the charterer) as compensation for delivering a ship in a particular loading region of the world. For a ship to enter a loading region, an empty
(ballast) leg may be required because there are no inbound cargoes. The ballast bonus should reflect the cost of the empty ballast in terms of time and fuel.
A typical fixture that involves a ballast bonus might be expressed as “freight hire of $10,000 per day, plus a ballast bonus of $100,000 lump sum”.

Within the dry bulk shipping industry, the freight rate indices issued by the Baltic Exchange in London are the references most likely to be monitored. These
references  are  based  on  actual  charter  hire  rates  under  charters  entered  into  by  market  participants  as  well  as  daily  assessments  provided  to  the  Baltic
Exchange  by  a  panel  of  major  shipbrokers.  The  Baltic  Exchange,  an  independent  organization  comprised  of  shipbrokers,  shipping  companies  and  other
shipping  players,  provides  daily  independent  shipping  market  information  and  has  created  freight  rate  indices  reflecting  the  average  freight  rates  for  the
major  bulk  vessel  trading  routes.  The  Baltic  Dry  Index  ("BDI"),  is  a  composite  of  the  Capesize,  Panamax  and  Supramax  timecharter  averages.  It  is
considered a proxy for dry bulk shipping stocks as well as a general shipping market bellwether.

Dry Bulk Trades Requiring Ice Class Tonnage

Ice class vessels are required to serve ports accessed by routes crossing seasonal or year-round ice-covered oceans, lakes, seas or rivers. Ice class vessels are
mainly deployed in the Baltic Sea, the Northern Sea Route (NSR) and the Great Lakes/St. Lawrence Seaway. These regions have experienced strong trade
growth in dry bulk cargoes, driven in particular by increased mining activities supported by strong commodity demand in Asia, decreased level of ice, and
technology advancement in shipping. The Company's ice class vessels also serve a long term customers requirement in the Canadian Arctic.

TAXATION

U.S. Taxation

The following discussion is based upon the provisions of the U.S. Internal Revenue Code of 1986, as amended, or the Code, existing and proposed U.S.
Treasury Department regulations, or the Treasury Regulations, administrative rulings and

27

 
 
 
pronouncements and judicial decisions, all as of the date of this annual report. Unless otherwise noted, references to the “Company” include the Company’s
Subsidiaries. This discussion assumes that we do not have an office or other fixed place of business in the United States.

Taxation of the Company’s Shipping Income: In General

The Company anticipates that it will derive a significant portion of its gross income from the use and operation of vessels in international commerce and
that this income will principally consist of freights from the transportation of cargoes, hire or lease from time or voyage charters and the performance of
services directly related thereto, which the Company refers to as “shipping income”. Shipping income that is attributable to transportation that begins or
ends,  but  that  does  not  both  begin  and  end,  in  the  United  States  will  be  considered  to  be  50%  derived  from  sources  within  the  United  States.  Shipping
income attributable to transportation that both begins and ends in the United States will be considered to be 100% derived from sources within the United
States. The Company is not permitted by law to engage in transportation that gives rise to 100% U.S. source income.
Shipping income attributable to transportation exclusively between non-U.S. ports will be considered to be 100% derived from sources outside the United
States. Shipping income derived from sources outside the United States will not be subject to U.S. federal income tax.

Based upon the Company’s anticipated shipping operations, the Company’s vessels will operate in various parts of the world, including to or from U.S.
ports. Unless exempt from U.S. federal income taxation under Section 883 of the Code, the Company will be subject to U.S. federal income taxation, in the
manner discussed below, to the extent its shipping income is considered derived from sources within the United States.

Application of Section 883 of the Code

Under the relevant provisions of Section 883 of the Code, or Section 883, the Company will be exempt from U.S. federal income taxation on its U.S. source
shipping income if:

(i) It  is  organized  in  a  “qualified  foreign  country,”  which  is  one  that  grants  an  equivalent  exemption  from  tax  to  corporations  organized  in  the
United States in respect of the shipping income for which exemption is being claimed under Section 883, and which the Company refers to as the
Country of Organization Requirement; and
(ii) It can satisfy any one of the following two stock ownership requirements for more than half the days during the taxable year:

•

the Company’s stock is “primarily and regularly traded on an established securities market” located in the United States or a “qualified foreign
country,” which the Company refers to as the Publicly-Traded Test; or

• more than 50% of the Company’s stock, in terms of value, is beneficially owned by any combination of one or more individuals who are residents
of a “qualified foreign country” or foreign corporations that satisfy the Country of Organization Requirement and the Publicly-Traded Test, which
the Company refers to as the 50% Ownership Test.

The U.S. Treasury Department has recognized Bermuda, the country of incorporation of the Company and certain of its subsidiaries, as a “qualified foreign
country”. In addition, the U.S. Treasury Department has recognized Denmark, Canada, Greece, the Marshall Islands, Singapore, British Virgin Islands and
Cyprus, the countries of incorporation of certain of the Company’s vessel-owning subsidiaries, as “qualified foreign countries”. Accordingly, the Company
and its vessel-owning subsidiaries satisfy the Country of Organization Requirement. Therefore, the Company’s eligibility to qualify for exemption under
Section 883 is wholly dependent upon being able to satisfy one of the stock ownership requirements.

As discussed below, for the 2023 taxable year we believe the Company satisfied the Publicly-Traded Test, since on more than half the days in the taxable
year we believe the Company’s common shares were primarily and regularly traded on Nasdaq, an established securities market in the United States.

As to the Publicly-Traded Test, the Treasury Regulations under Section 883 provide, in pertinent part, that stock of a foreign corporation will be considered
to be “primarily traded” on an established securities market in a country if the number of shares of each class of stock that is traded during any taxable year
on all established securities markets in that country exceeds the number of shares in each such class that is traded during that year on established securities
markets in any other single country.
The Publicly-Traded Test also requires our common shares be “regularly traded” on an established securities market. Under the Treasury Regulations, our
common shares are considered to be “regularly traded” on an established securities market if shares representing more than 50% of our outstanding common
shares,  by  both  total  combined  voting  power  of  all  classes  of  stock  entitled  to  vote  and  total  value,  are  listed  on  the  market,  referred  to  as  the  “listing
threshold”. The Treasury Regulations further

28

require that with respect to each class of stock relied upon to meet the listing threshold (i) such class of stock is traded on the market, other than in minimal
quantities, on at least 60 days during the taxable year or 1/6 of the days in a short taxable year, which is referred to as the “trading frequency test”, and (ii)
the aggregate number of shares of such class of stock traded on such market during the taxable year is at least 10% of the average number of shares of such
class of stock outstanding during such year (as appropriately adjusted in the case of a short taxable year), which is referred to as the “trading volume test”.
Even  if  we  do  not  satisfy  both  the  trading  frequency  and  trading  volume  tests,  the  Treasury  Regulations  provide  that  the  trading  frequency  and  trading
volume tests will be deemed satisfied if our common shares are traded on an established securities market in the United States and such stock is regularly
quoted by dealers making a market in our common shares, such the Nasdaq Capital Market, on which our common shares are listed.

Notwithstanding the foregoing, our common shares will not be considered to be regularly traded on an established securities market for any taxable year in
which 50% or more of the vote and value of the outstanding common shares are owned, actually or constructively under certain stock attribution rules, on
more than half the days during the taxable year by persons who each own 5% or more of the value of our common shares, which we refer to as the 5 Percent
Override Rule.

In order to determine the persons who actually or constructively own 5% or more of our common shares, or 5% Shareholders, we are permitted to rely on
those persons that are identified on Schedule 13G and Schedule 13D filings with the U.S. Securities and Exchange Commission as having a 5% or more
beneficial  interest  in  our  common  shares.  In  addition,  an  investment  company  identified  on  a  Schedule  13G  or  Schedule  13D  filing  which  is  registered
under the Investment Company Act of 1940, as amended, will not be treated as a 5% Shareholder for such purposes.

For our 2023 taxable year, we do not believe that we were subject to the 5 Percent Override Rule and, therefore, we believe that we satisfied the Publicly-
Traded Test. There are, however, factual circumstances beyond our control that could cause the Company to lose the benefit of the Section 883 exemption
and thereby become subject to U.S. federal income tax on its U.S. source shipping income. There is, therefore, a risk that the Company could no longer
qualify for exemption under Section 883 for a particular taxable year if 5% Shareholders were to own 50% or more of the outstanding common shares of the
Company on more than half the days during the taxable year. Due to the factual nature of the issues involved, there can be no assurances as to the tax-
exempt status of the Company or any of its subsidiaries.

In the event the 5 Percent Override Rule is triggered, the 5 Percent Override Rule will nevertheless not apply if we can establish that among the closely-held
group of 5% Shareholders, there are sufficient 5% Shareholders that are considered to be “qualified shareholders” for purposes of Section 883 to preclude
non-qualified 5% Shareholders in the closely-held group from owning 50% or more of our common shares for more than half the number of days during the
taxable year.

In any year that the 5 Percent Override Rule is triggered with respect to us, we are eligible for the exemption from tax under Section 883 only if we can
nevertheless satisfy the Publicly-Traded Test (which requires, among other things, showing that the exception to the 5 Percent Override Rule applies) or if
we can satisfy the 50% Ownership Test. In either case, certain substantiation and reporting requirements regarding the identity of our shareholders must be
satisfied in order to qualify for the Section 883 exemption. These requirements are onerous and there is no assurance that we would be able to satisfy them.

Taxation in Absence of the Section 883 Exemption To the extent the benefits of Section 883 are unavailable with respect to any item of U.S. source income,
the Company’s U.S. source shipping income, to the extent not considered to be “effectively connected” with the conduct of a U.S. trade or business, as
described below, would be subject to a 4% tax imposed by Section 887 of the Code on a gross basis, without the benefit of deductions, which we refer to as
the “4% gross basis tax regime”. Since, under the sourcing rules described above, no more than 50% of the Company’s shipping income would be treated as
being derived from U.S. sources, the maximum effective rate of U.S. federal income tax on the Company’s shipping income, to the extent not considered to
be “effectively connected” with the conduct of a U.S. trade or business, would never exceed 2% under the 4% gross basis tax regime.

To the extent the benefits of the Section 883 exemption are unavailable and our U.S. source shipping income is considered to be “effectively connected”
with  the  conduct  of  a  U.S.  trade  or  business,  as  described  below,  any  such  “effectively  connected”  U.S.  source  shipping  income,  net  of  applicable
deductions, would be subject to the U.S. federal corporate income tax imposed at rate of 21%. In addition, we may be subject to the 30% “branch profits”
tax  on  earnings  “effectively  connected”  with  the  conduct  of  such  U.S.  trade  or  business,  as  determined  after  allowance  for  certain  adjustments,  and  on
certain  interest  paid  or  deemed  paid  attributable  to  the  conduct  of  such  U.S.  trade  or  business.  Our  U.S.  source  shipping  income  would  be  considered
“effectively connected” with the conduct of a U.S. trade or business only if:

we have, or are considered to have, a fixed place of business in the United States involved in the earning of U.S. source shipping income;

•
and

29

•
substantially  all  of  our  U.S.  source  shipping  income  were  attributable  to  regularly  scheduled  transportation,  such  as  the  operation  of  a
vessel that followed a published schedule with repeated sailings at regular intervals between the same points for voyages that begin or end in the
United States, or, in the case of income from the chartering of a vessel, were attributable to a fixed place of business in the United States.

We do not have, nor will we permit circumstances that would result in having, any vessel sailing to or from the United States on a regularly scheduled basis.
Based on the foregoing and on the expected mode of our shipping operations and other activities, we believe that none of our U.S. source shipping income
is or will be “effectively connected” with the conduct of a U.S. trade or business.

Gain on Sale of Vessels

Regardless of whether we qualify for exemption under Section 883, we will not be subject to U.S. federal income taxation with respect to gain realized on a
sale of a vessel, provided the sale is considered to occur outside of the United States under U.S. federal income tax principles. In general, a sale of a vessel
will be considered to occur outside of the United States for this purpose if title to the vessel, and risk of loss with respect to the vessel, pass to the buyer
outside of the United States. It is expected that any sale of a vessel by us will be considered to occur outside of the United States.

Taxation of U.S. Holders

The following is a discussion of the material U.S. federal income tax considerations relevant to an investment decision by a U.S. Holder, as defined below,
with respect to our common shares. This discussion does not purport to deal with the tax consequences of owning our common shares to all categories of
investors, some of which may be subject to special rules. You are encouraged to consult your own tax advisors concerning the overall tax consequences
arising in your own particular situation under U.S. federal, state, local or foreign law of the ownership of our common shares.

As used herein, the term U.S. Holder means a beneficial owner of our common shares that (i) is a U.S. citizen or resident, a U.S. corporation or other U.S.
entity taxable as a corporation, an estate, the income of which is subject to U.S. federal income taxation regardless of its source, or a trust if (a) a court
within  the  United  States  is  able  to  exercise  primary  jurisdiction  over  the  administration  of  the  trust  and  one  or  more  U.S.  persons  have  the  authority  to
control all substantial decisions of the trust or (b) the trust has in effect a valid election to be treated as a United States person for U.S. federal income tax
purposes, (ii) owns our common shares as a capital asset, generally, for investment purposes, and (iii) owns less than 10% of our common shares for U.S.
federal income tax purposes.

If a partnership holds our common shares, the tax treatment of a partner will generally depend upon the status of the partner and upon the activities of the
partnership. If you are a partner in a partnership holding our common shares, you are encouraged to consult your own tax advisor regarding this issue.

Distributions

Subject to the discussion below of passive foreign investment companies, or PFICs, any distributions made by us with respect to our common shares to a
U.S. Holder will generally constitute dividends, which may be taxable as ordinary income or “qualified dividend income” as described in more detail below,
to  the  extent  of  our  current  or  accumulated  earnings  and  profits,  as  determined  under  U.S.  federal  income  tax  principles.  Distributions  in  excess  of  our
earnings and profits will be treated first as a nontaxable return of capital to the extent of the U.S. Holder’s tax basis in his common shares on a dollar-for-
dollar basis and thereafter as capital gain. Because we are not a U.S. corporation, U.S. Holders that are corporations will generally not be entitled to claim a
dividends-received deduction with respect to any distributions they receive from us.

Dividends paid on our common shares to a U.S. Holder who is an individual, trust or estate, which we refer to as a U.S. Individual Holder, will generally be
treated  as  “qualified  dividend  income”  that  is  taxable  to  such  U.S.  Individual  Holders  at  preferential  tax  rates  provided  that  (1)  the  common  shares  are
readily tradable on an established securities market in the United States (such as the Nasdaq Capital Market, on which our common shares are listed); (2) we
are not a PFIC for the taxable year during which the dividend is paid or the immediately preceding taxable year (see discussion below); and (3) the U.S.
Individual Holder has owned the common shares for more than 60 days in the 121-day period beginning 60 days before the date on which the common
shares become ex-dividend.

30

There is no assurance that any dividends paid on our common shares will be eligible for these preferential rates in the hands of a U.S. Individual Holder.
Any dividends paid by the Company which are not eligible for these preferential rates will be taxed as ordinary income to a U.S. Individual Holder.

Sale, Exchange or other Disposition of Common Shares

Assuming  we  do  not  constitute  a  PFIC  for  any  taxable  year,  a  U.S.  Holder  generally  will  recognize  taxable  gain  or  loss  upon  a  sale,  exchange  or  other
disposition of our common shares in an amount equal to the difference between the amount realized by the U.S. Holder from such sale, exchange or other
disposition and the U.S. Holder’s tax basis in such common shares. Such gain or loss will be treated as long-term capital gain or loss if the U.S. Holder’s
holding period in the common shares is greater than one year at the time of the sale, exchange or other disposition. Otherwise, it will be treated as short-term
capital gain or loss. A U.S. Holder’s ability to deduct capital losses is subject to certain limitations.

Passive Foreign Investment Company Status and Significant Tax Consequences

Special  U.S.  federal  income  tax  rules  apply  to  a  U.S.  Holder  that  holds  stock  in  a  foreign  corporation  classified  as  a  PFIC  for  U.S.  federal  income  tax
purposes. In general, we will be treated as a PFIC with respect to a U.S. Holder if, for any taxable year in which such holder held our common shares, either
at least 75% of our gross income for such taxable year consists of “passive income” (e.g., dividends, interest, capital gains and rents derived other than in
the active conduct of a rental business), or at least 50% of the average value of the assets held by the corporation during such taxable year produce, or are
held  for  the  production  of,  “passive  income”.  For  purposes  of  determining  whether  we  are  a  PFIC,  we  will  be  treated  as  earning  and  owning  our
proportionate  share  of  the  income  and  assets,  respectively,  of  any  of  our  subsidiary  corporations  in  which  we  own  at  least  25%  of  the  value  of  the
subsidiary’s  stock.  Income  earned,  or  deemed  earned,  by  us  in  connection  with  the  performance  of  services  would  not  constitute  passive  income.  By
contrast, rental income would generally constitute “passive income” unless we were treated under specific rules as deriving our rental income in the active
conduct of a trade or business.

Although there is no legal authority directly on point, we believe that, for purposes of determining whether we are a PFIC, the gross income we derive or are
deemed to derive from the time chartering activities of our wholly-owned subsidiaries more likely than not constitutes services income, rather than rental
income. Correspondingly, we believe that such income does not constitute “passive income”, and the assets that we or our wholly-owned subsidiaries own
and operate in connection with the production of such income, in particular, the vessels, do not constitute passive assets for purposes of determining whether
we  are  a  PFIC.  We  believe  there  is  substantial  legal  authority  supporting  our  position  consisting  of  case  law  and  Internal  Revenue  Service,  or  IRS,
pronouncements concerning the characterization of income derived from time charters and voyage charters as services income for other tax purposes. This
position  is  principally  based  upon  the  positions  that  our  time  charter  income  will  constitute  services  income,  rather  than  rental  income  for  other  tax
purposes. Based on our current and anticipated chartering activities, we do not believe that we will be treated as a PFIC for the current or future taxable
years, although no assurance can be given in this regard. We intend to take the position that we were not treated as a PFIC for our 2023 taxable year.

We  note  that  there  is  no  direct  legal  authority  under  the  PFIC  rules  addressing  our  current  and  proposed  method  of  operation.  In  addition,  although  we
intend to conduct our affairs in a manner to avoid being classified as a PFIC with respect to any taxable year, we cannot assure you that the nature of our
operations  will  not  change  in  the  future.  Accordingly,  no  assurance  can  be  given  that  the  IRS  or  a  court  of  law  will  accept  our  position,  and  there  is  a
significant risk that the IRS or a court of law could determine that we are a PFIC.

As discussed more fully below, if we were to be treated as a PFIC for any taxable year, a U.S. Holder would be subject to different taxation rules depending
on whether the U.S. Holder makes an election to treat us as a “Qualified Electing Fund”, which election we refer to as a QEF Election. As an alternative to
making a QEF election, a U.S. Holder should be able to make a “mark-to-market” election with respect to our common shares, as discussed below, and
which election we refer to as a Mark-to-Market Election.

Taxation of U.S. Holders Making a Timely QEF Election

If we were to be treated as a PFIC for any taxable year and a U.S. Holder makes a timely QEF Election, which U.S. Holder we refer to as an Electing
Holder, the Electing Holder must report each year for U.S. federal income tax purposes its pro rata share of our ordinary earnings and our net capital gain, if
any, for our taxable year that ends with or within the taxable year of the Electing Holder, regardless of whether or not distributions were received from us by
the Electing Holder. The Electing Holder’s adjusted tax basis in the common shares will be increased to reflect taxed but undistributed earnings and profits.
Distributions of earnings and profits that had been previously taxed will result in a corresponding reduction in the adjusted tax basis in the common shares
and will not be taxed again once distributed. A U.S. Holder would make a QEF Election with respect to any

31

taxable year that we are a PFIC by filing one copy of IRS Form 8621 with its U.S. federal income tax return. To make a QEF Election, a U.S. Holder must
receive annually certain tax information from us. There can be no assurances that we will be able to provide such information annually. An Electing Holder
would generally recognize capital gain or loss on the sale, exchange or other disposition of our common shares.

Taxation of U.S. Holders Making a Mark-to-Market Election

Alternatively, if we were to be treated as a PFIC for any taxable year and, as we anticipate, our common shares are treated as “marketable stock”, a U.S.
Holder would be permitted to make a Mark-to-Market Election with respect to our common shares, provided the U.S. Holder completes and files IRS Form
8621 in accordance with the relevant instructions and related Treasury Regulations. If that election is made, the U.S. Holder generally would include as
ordinary income in each taxable year the excess, if any, of the fair market value of the common shares at the end of the taxable year over such holder’s
adjusted tax basis in the common shares. The U.S. Holder would also be permitted an ordinary loss in respect of the excess, if any, of the U.S. Holder’s
adjusted tax basis in the common shares over its fair market value at the end of the taxable year, but only to the extent of the net amount previously included
in income as a result of the Mark-to-Market Election. A U.S. Holder’s tax basis in its common shares would be adjusted to reflect any such income or loss
amount. Gain realized on the sale, exchange or other disposition of our common shares would be treated as ordinary income, and any loss realized on the
sale, exchange or other disposition of the common shares would be treated as ordinary loss to the extent that such loss does not exceed the net mark-to-
market gains previously included in income by the U.S. Holder.

Taxation of U.S. Holders Not Making a Timely QEF or Mark-to-Market Election

Finally, if we were to be treated as a PFIC for any taxable year, a U.S. Holder who does not make either a QEF Election or a Mark-to-Market Election for
that year, whom we refer to as a Non-Electing Holder, would be subject to special rules with respect to (1) any excess distribution (i.e., the portion of any
distributions received by the Non-Electing Holder on our common shares in a taxable year in excess of 125% of the average annual distributions received by
the Non-Electing Holder in the three preceding taxable years, or, if shorter, the Non-Electing Holder’s holding period for the common shares), and (2) any
gain realized on the sale, exchange or other disposition of our common shares. Under these special rules:

•

•

the excess distribution or gain would be allocated ratably over the Non-Electing Holders’ aggregate holding period for the common shares;

the amount allocated to the current taxable year and any taxable years before the Company became a PFIC would be taxed as ordinary income; and

•
the amount allocated to each of the other taxable years would be subject to tax at the highest rate of tax in effect for the applicable class of taxpayer
for that year, and an interest charge for the deemed deferral benefit would be imposed with respect to the resulting tax attributable to each such other taxable
year.

These penalties would not apply to a pension or profit-sharing trust or other tax-exempt organization that did not borrow funds or otherwise utilize leverage
in  connection  with  its  acquisition  of  our  common  shares.  If  we  were  a  PFIC,  and  a  Non-Electing  Holder  who  is  an  individual  died  while  owning  our
common shares, such holder’s successor generally would not receive a step-up in tax basis with respect to such common shares.

Taxation of Non-U.S. Holders

A beneficial owner of common shares (other than a partnership) that is not a U.S. Holder is referred to herein as a Non-U.S. Holder.

Dividends on Common Shares

Non-U.S. Holders generally will not be subject to U.S. federal income or withholding tax on dividends received from us with respect to our common shares,
unless  that  dividend  is  effectively  connected  with  the  Non-U.S.  Holder’s  conduct  of  a  trade  or  business  in  the  United  States.  If  the  Non-U.S.  Holder  is
entitled to the benefits of a U.S. income tax treaty with respect to those dividends, that income is taxable, or taxable at the full rate, only if it is attributable
to a permanent establishment maintained by the Non-U.S. Holder in the United States.

Sale, Exchange or Other Disposition of Common Shares

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Non-U.S. Holders generally will not be subject to U.S. federal income or withholding tax on any gain realized upon the sale, exchange or other disposition
of our common shares, unless:

the gain is effectively connected with the Non-U.S. Holder’s conduct of a trade or business in the United States (and, if the Non-U.S. Holder is
•
entitled to the benefits of an income tax treaty with respect to that gain, that gain is attributable to a permanent establishment maintained by the Non-U.S.
Holder in the United States); or

the Non-U.S. Holder is an individual who is present in the United States for 183 days or more during the taxable year of disposition and other

•
conditions are met.

If  the  Non-U.S.  Holder  is  engaged  in  a  U.S.  trade  or  business  for  U.S.  federal  income  tax  purposes,  the  income  from  the  common  shares,  including
dividends and the gain from the sale, exchange or other disposition of the common shares, that is effectively connected with the conduct of that trade or
business will generally be subject to regular U.S. federal income tax in the same manner as discussed in the previous section relating to the taxation of U.S.
Holders. In addition, if you are a corporate Non-U.S. Holder, your earnings and profits that are attributable to the effectively connected income, subject to
certain adjustments, may be subject to an additional branch profits tax at a rate of 30%, or at a lower rate as may be specified by an applicable income tax
treaty.

Backup Withholding and Information Reporting

In general, dividend payments, or other taxable distributions, made within the United States to you will be subject to information reporting requirements.
Such payments will also be subject to “backup withholding” if you are a non-corporate U.S. Holder and you:

•
•

•
•

fail to provide an accurate taxpayer identification number;
are notified by the IRS that you have failed to report all interest or dividends required to be shown on your
U.S. federal income tax returns; or
in certain circumstances, fail to comply with applicable certification requirements.
Non-U.S. Holders may be required to establish their exemption from information reporting and backup
withholding by certifying their status on an applicable IRS Form W-8.

If you are a Non-U.S. Holder and you sell your common shares to or through a U.S. office of a broker, the payment of the proceeds is subject to both U.S.
backup  withholding  and  information  reporting  unless  you  certify  that  you  are  a  non-U.S.  person,  under  penalties  of  perjury,  or  otherwise  establish  an
exemption. If you sell your common shares through a non-U.S. office of a non-U.S. broker and the sales proceeds are paid to you outside the United States,
then  information  reporting  and  backup  withholding  generally  will  not  apply  to  that  payment.  However,  U.S.  information  reporting,  but  not  backup
withholding, will apply to a payment of sales proceeds, including a payment made to you outside the United States, if you sell your common shares through
a non-U.S. office of a broker that is a U.S. person or has some other contacts with the United States. Such information reporting requirements will not apply,
however,  if  the  broker  has  documentary  evidence  that  you  are  a  non-U.S.  person  and  certain  other  conditions  are  met,  or  you  otherwise  establish  an
exemption.

Backup  withholding  is  not  an  additional  tax.  Rather,  you  generally  may  obtain  a  refund  of  any  amounts  withheld  under  backup  withholding  rules  that
exceed your income tax liability by filing a refund claim with the IRS.

Other U.S. Information Reporting Obligations

Individuals who are U.S. Holders (and to the extent specified in applicable Treasury regulations, certain individuals who are Non-U.S. Holders and certain
U.S. entities) who hold “specified foreign financial assets” (as defined in Section 6038D of the Code) are required to file IRS Form 8938 with information
relating to the asset for each taxable year in which the aggregate value of all such assets exceeds $75,000 at any time during the taxable year or $50,000 on
the last day of the taxable year (or such higher dollar amount as prescribed by applicable Treasury regulations). Specified foreign financial assets would
include,  among  other  assets,  our  common  shares,  unless  the  shares  are  held  through  an  account  maintained  with  a  U.S.  financial  institution.  Substantial
penalties  apply  to  any  failure  to  timely  file  IRS  Form  8938,  unless  the  failure  is  shown  to  be  due  to  reasonable  cause  and  not  due  to  willful  neglect.
Additionally, in the event an individual U.S. Holder (and to the extent specified in applicable Treasury regulations, an individual Non-U.S. Holder or a U.S.
entity) that is required to file IRS Form 8938 does not file such form, the statute of limitations on the assessment and collection of U.S. federal income taxes
of  such  holder  for  the  related  tax  year  may  not  close  until  three  years  after  the  date  that  the  required  information  is  filed.  U.S.  Holders  (including  U.S.
entities) and Non-U.S. Holders are encouraged to consult their own tax advisors regarding their reporting obligations under this legislation.

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Changes in Global Tax Laws

Long-standing  international  tax  initiatives  that  determine  each  country’s  jurisdiction  to  tax  cross-border  international  trade  and  profits  are  evolving  as  a
result of, among other things, initiatives such as the Anti-Tax Avoidance Directives, as well as the Base Erosion and Profit Shifting reporting requirements,
mandated and/or recommended by the EU, G8, G20 and Organization for Economic Cooperation and Development, including the imposition of a minimum
global effective tax rate for multinational businesses regardless of the jurisdiction of operation and where profits are generated (Pillar Two). As these and
other tax laws and related regulations change (including changes in the interpretation, approach and guidance of tax authorities), our financial results could
be materially impacted. Given the unpredictability of these possible changes and their potential interdependency, it is difficult to assess whether the overall
effect of such potential tax changes would be cumulatively positive or negative for our earnings and cash flow, but such changes could adversely affect our
financial results.

On December 12, 2022, the European Union member states agreed to implement the OECD’s Pillar Two global corporate minimum tax rate of 15% on
companies with revenues of at least €750 million effective from 2024. Various countries have either adopted implementing legislation or are in the process
of drafting such legislation. Any new tax law in a jurisdiction where we conduct business or pay tax could have a negative effect on our company.

ITEM 1A. RISK FACTORS

An investment in our securities involves a high degree of risk. You should consider carefully the material risks described below, which we believe represent
the material risks related to our business and our securities, together with the other information contained in this Form 10-K, before making a decision to
invest  in  our  securities.  This  Form  10-K  also  contains  forward-looking  statements  that  involve  risks  and  uncertainties.  In  connection  with  such  forward
looking statements, you should also carefully review the cautionary statements referred to under “Special Note Regarding Forward Looking Statements.”
Our  actual  results  could  differ  materially  from  those  anticipated  in  the  forward-looking  statements  as  a  result  of  specific  factors,  including  the  risks
described below.

Summary of Risk Factors

•

The cyclical and volatile nature of the seaborne drybulk transportation industry may lead to significant decreases in charter and freight rates, which
may have an adverse effect on our revenues, earnings and profitability and our ability to comply with our loan covenants.
Further increases in interest rates could adversely affect our cash flow and financial condition.

•
• Any  change  in  drybulk  carrier  capacity  in  the  future  may  result  in  lower  charter  and  freight  rates  which,  in  turn,  will  adversely  affect  our

•

•

•

•

profitability.
The continuing conflict in Ukraine and the Middle East and resulting sanctions by the United States, European Union and other countries have
adversely impact global economic conditions and contribute to inflation and volatility in commodity prices.
The market values of our owned vessels may decrease, which could limit the amount of funds that we can borrow or cause us to breach certain
covenants in our credit facilities and we may incur impairment or a loss if we sell vessels following a decline in their market value.
The state of the global financial markets and economic conditions may adversely impact our ability to obtain additional financing on acceptable
terms and otherwise negatively impact our business.
Changes in the economic and political environment in China and policies adopted by the government to regulate its economy may have a material
adverse effect on our business, financial condition and results of operations.

• Our financial results and operations may be adversely affected by the continuing impacts of the outbreak of COVID-19, and other epidemic and

pandemic diseases and continuing governmental responses in certain jurisdictions, including China.

• Our revenues are subject to seasonal fluctuations, which could affect our operating results and our ability to pay dividends, if any, in the future.
•

If our vessels call on ports located in countries or territories or carry cargo that is the subject of sanctions or embargoes imposed by the U.S., the
European Union, the United Nations, or other governmental authorities, it could lead to monetary fines or penalties and may adversely affect our
reputation and the market for our securities.

• We are subject to complex laws and regulations, including environmental regulations that can adversely affect the cost, manner or feasibility of

doing business.
Changes in fuel prices, that may result from increased oil prices, may adversely affect our profitability.

•

34

•

•

In  the  highly  competitive  international  shipping  industry,  we  may  not  be  able  to  compete  successfully  for  chartered-in  vessels  or  for  vessel
employment and, as a result, we may be unable to charter-in vessels at reasonable rates or employ our vessels profitably.
Increasing scrutiny and changing expectations from investors, lenders and other market participants with respect to our Environmental, Social and
Governance (“ESG”) policies may impose additional costs on us or expose us to additional risks.

• We depend upon a few significant customers for a large part of our revenues and cash flow, and the loss of one or more of these customers could

adversely affect our financial performance.

• We are subject to certain risks with counterparties on contracts and the failure of such counterparties to meet their obligations could cause us to
suffer losses or otherwise adversely affect our business and ability to comply with covenants in our loan agreements, which could impose operating
and financial restrictions on us.

• Obligations associated with being a public company require significant company resources and management attention, and we incur increased costs

•

as a result of being a public company.
Because we purchase and operate secondhand vessels, we may be exposed to increased operating costs which could adversely affect our earnings
and, as our fleet ages, the risks associated with older vessels could adversely affect our ability to obtain profitable charters.

• Our  ability  to  obtain  additional  debt  financing,  or  to  refinance  existing  indebtedness,  may  be  dependent  on  the  performance  and  length  of  our

charter contracts and the creditworthiness of our contract counterparties.

• We depend on our Chief Executive Officer, Chief Operating Officer, Chief Financial Officer and other key employees, and the loss of their services

would have a material adverse effect on our business, results and financial condition.
Exposure to currency exchange rate fluctuations will result in fluctuations in our cash flows and operating results.

•
• United States tax authorities could treat us as a “passive foreign investment company,” which could have adverse United States federal income tax

consequences to U.S. holders.

• We rely on our information systems to conduct our business, and failure to protect these systems against security breaches could adversely affect
our business and results of operations, including on our vessels. Additionally, if these systems fail or become unavailable for any significant period
of time, our business could be harmed.

• Volatility  in  the  broader  securities  markets  and  trading  volume  of  our  common  shares  could  adversely  impact  the  trading  price  of  our  common

•

shares.
Because  we  are  a  foreign  corporation,  you  may  not  have  the  same  rights  that  a  shareholder  in  a  U.S.  corporation  may  have,  and  it  may  not  be
possible for our investors to enforce U.S. judgments against us.

Risks Relating to our Industry

The seaborne drybulk transportation industry is cyclical and volatile, and this may lead to reductions in our charter hire rates, vessel values and results
of operations.

The  international  seaborne  drybulk  transportation  industry  is  cyclical  and  volatile,  and  a  lengthy  downturn  in  the  drybulk  charter  market  could  severely
affect  the  entire  drybulk  shipping  industry.  The  degree  of  charter  and  freight  rate  volatility  for  vessels  has  varied  widely  and  is  due  to  various  factors,
including changing crude oil prices, economic activity in the largest economies, including China, a strong U.S. Dollar and the associated weakening of other
world currencies and the supply of available tonnage. A worsening of current global economic conditions may cause dry bulk charter rates to decline and
thereby adversely affect our ability to charter or re-charter our vessels and any renewal or replacement charters that we enter into, may not be sufficient to
allow us to operate our vessels profitably. In addition, the conflict in Ukraine has continued disrupting energy production grain exports and trade patterns,
including shipping in the Black Sea and elsewhere, and its impact on such markets remains uncertain. Fluctuations in charter hire rates result from changes
in the supply of and demand for vessel capacity and changes in the supply of and demand for energy resources, commodities, semi-finished and finished
consumer and industrial products internationally carried at sea. If we enter into a charter when charter hire rates are low, our revenues and earnings will be
adversely affected. In addition, a decline in charter hire rates is likely to cause the market value of our vessels to decline. We cannot assure you that we will
be able to successfully charter our vessels in the future or renew our existing charters at rates sufficient to allow us to operate our business profitably, meet
our obligations or pay dividends to our shareholders. The factors affecting the supply and demand for vessels are outside of our control, and the nature,
timing and degree of changes in industry conditions are unpredictable.

Although our operating fleet is primarily chartered-in on a short-term basis and lower charter rates result in lower charter hire costs, changes in charter and
freight rates in the drybulk market affect vessel values and earnings on our owned fleet, and may affect our cash flows, liquidity and ability to comply with
the  financial  covenants  in  our  loan  agreements.  An  extended  downturn  in  the  drybulk  carrier  market  may  have  adverse  consequences.  The  value  of  our
common shares could be substantially reduced under these circumstances.

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We employ our vessels under a mix of voyage charters and time charters and COA’s which typically extend for varying lengths of time, from one month to
ten years. As a result, we are exposed to changes in market rates for drybulk carriers and such changes may affect our earnings and the value of our owned
drybulk carriers at any given time. A COA relates to the carriage of multiple cargoes over the same route and enables the COA holder to nominate different
vessels to perform individual voyages. We may not be able to successfully employ our vessels in the future or renew existing contracts at rates sufficient to
allow us to meet our obligations. We are also exposed to volatility in the market rates we pay to charter-in vessels. Fluctuations in charter and freight rates
result from changes in the supply of and demand for vessel capacity and changes in the demand for seaborne carriage of commodities. Because the factors
affecting  the  supply  of  and  demand  for  vessels  are  outside  of  our  control  and  are  unpredictable,  the  nature,  timing,  direction  and  degree  of  changes  in
industry conditions are also unpredictable.

Factors that influence demand for vessel capacity include:

•
•
•
•
•
•
•
•
•
•
•
•

supply of and demand for energy resources, commodities, semi-finished and finished consumer and industrial products;
changes in the exploration or production of energy resources, commodities, semi-finished and finished consumer and industrial products;
the location of regional and global exploration, production and manufacturing facilities;
the location of consuming regions for energy resources, commodities, semi-finished and finished consumer and industrial products;
the globalization of production and manufacturing;
global and regional economic and political conditions, including armed conflicts, terrorist activities, sanctions, embargoes and strikes;
natural disasters and other disruptions in international trade;
disruptions and developments in international trade;
changes in seaborne and other transportation patterns, including the distance cargo is transported by sea;
environmental and other regulatory developments;
currency exchange rates;
international sanctions, embargoes, import and export restrictions, nationalizations, piracy, terrorist attacks and armed conflicts, including the
ongoing Ukrainian-Russian and Israeli-Hamas conflicts;
economic slowdowns caused by public health pandemics;
bunker (fuel) prices; and

•
•
• weather.

Demand for our vessels is dependent upon economic growth in the world’s economies, seasonal and regional changes in demand, changes in the capacity of
the global drybulk fleet and the sources and supply of drybulk cargo transported by sea. Although the current newbuilding orderbook (as a percentage of the
on-the-water fleet) is at a historically low level, a pickup in new ordering could increase global capacity and there can be no assurance that economic growth
will continue in order to absorb this higher supply. Adverse economic, political, social or other developments could have a material adverse effect on our
business and operating results.

The factors that influence the supply of vessel capacity include:

•
•

•
•
•
•
•
•
•

•

the number and size of newbuilding orders and deliveries;
port and canal congestion, including as the result of restrictions or reductions in the capacity of the Panama and Suez Canals due to environmental
or geopolitical factors,
bunker prices;
the scrapping rate of older vessels;
vessel casualties;
speed of vessels being operated;
the number of vessels that are out of service, namely those that are laid-up, dry-docked, awaiting repairs or otherwise not available for hire;
availability of financing for new vessels;
changes in national or international regulations that may effectively cause reductions in the carrying capacity of vessels or early obsolescence of
tonnage; and
changes in environmental and other regulations that may limit the useful lives of vessels or requires technological developments not yet perfected
for commercialization.

Furthermore, the conflict in Ukraine combined with inflationary pressures and/or supply chain disruptions across most major economies have negatively
impacted certain of the countries in which we operate in and may lead to a global economic

36

slowdown,  which  might  in  turn  adversely  affect  demand  for  our  vessels.  In  particular,  the  conflict  in  Ukraine  and  related  sanctions  measures  imposed
against Russia has continued to disrupt energy production and trade patterns, including shipping in the Black Sea and elsewhere, and has impacted the price
of certain dry bulk goods, such as grain, as well as energy and fuel prices. Notably, various jurisdictions have imposed sanctions against Russia directly
targeting the maritime transport of goods originating from Russia, such as of oil products and agricultural commodities such as potash. Such measures, and
the response of targeted jurisdictions to them, have disrupted trade patterns of certain of the goods which we transport and have correspondingly impacted
charter rates for the transport of such goods.

The ongoing conflict between Israel and Hamas, which commenced in October 2023, has resulted in a surge in acts of piracy and assaults on vessels in the
Red Sea. According to reports from the U.S. military, three commercial vessels have been targeted in international waters in the southern Red Sea. Yemen's
Houthi group has claimed responsibility for drone and missile strikes on two vessels near the Cape of Good Hope in southern Africa. These incidents have
significantly extended the duration and expenses of voyages from east to west. While we cannot currently determine the immediate consequences of this
conflict, the continued occurrence of attacks or piracy attempts, as well as the response from the United States, Great Britain, and other governments, or the
continued diversion of vessels from the Suez Canal, may have an adverse impact on our business, financial condition, and operational outcomes.

In  addition  to  the  prevailing  and  anticipated  charter  and  freight  rates,  factors  that  affect  the  rate  of  newbuilding,  scrapping  and  laying-up  include
newbuilding prices, secondhand vessel values in relation to scrap prices, costs of bunker fuels and other operating costs, costs associated with classification
society surveys, normal maintenance and insurance coverage, the efficiency and age profile of the existing drybulk fleet in the market and government and
industry regulation of maritime transportation practices, particularly environmental protection laws and regulations. These factors influencing the supply of
and demand for shipping capacity are outside of our control, and we may not be able to correctly assess the nature, timing and degree of changes in industry
conditions.

We anticipate that the future demand for our drybulk carriers and our logistics services will be dependent upon economic growth in world economies and its
associated industrial production, seasonal and regional changes in demand, changes in the capacity of the global drybulk carrier fleet and the sources and
supply of drybulk cargoes to be transported by sea.

Global economic conditions may continue to negatively impact the drybulk shipping industry.

Major market disruptions and adverse changes in market conditions and regulatory climate in China, the United States, the European Union and worldwide
may adversely affect our business or impair our ability to borrow amounts under credit facilities or any future financial arrangements.

Chinese dry bulk imports have accounted for the majority of global dry bulk transportation growth annually over the last decade. Accordingly, our financial
condition  and  results  of  operations,  as  well  as  our  future  prospects,  would  likely  be  hindered  by  an  economic  downturn  in  any  of  these  countries  or
geographic regions. In recent years China and India have been among the world’s fastest growing economies in terms of gross domestic product, and any
economic slowdown in the Asia Pacific region particularly in China or India may adversely affect demand for seaborne transportation of our products and
our results of operations. Moreover, any deterioration in the economy of the United States or the European Union, may further adversely affect economic
growth in Asia.

Economic  growth  is  uncertain  but  any  slowdown,  including  due  to  supply-chain  disruption,  high  energy  process  and  the  surge  in  inflation  and  related
actions by central banks and geopolitical conditions, could result in a significant risk of recession in many parts of the world in the near term. In particular,
an adverse change in economic conditions affecting China, Japan, India or Southeast Asia generally could have a negative effect on the drybulk market.

Variable rate indebtedness could subject us to interest rate risk, which could cause our debt service obligations to increase significantly.

Our credit facilities use variable interest rates and expose us to interest rate risk. If interest rates increase and we are unable to effectively hedge our interest
rate risk, our debt service obligations on the variable rate indebtedness would increase even if the amount borrowed remained the same, and our profitability
and cash available for servicing our indebtedness would decrease.

We may be adversely affected by developments in the SOFR market, changes in the methods by which SOFR is determined or the use of alternative
reference rates.

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In 2017, the U.K. Financial Conduct Authority announced that it intended to phase out LIBOR, and in 2021, it announced that all LIBOR settings will either
cease to be provided by any administrator or no longer be representative immediately after December 31, 2021, in the case of one-week and two-month U.S.
Dollar settings, and immediately after June 30, 2023, in the case of the remaining U.S. Dollar settings. The Federal Reserve also has advised banks to cease
entering  into  new  contracts  that  use  U.S.  Dollar  LIBOR  as  a  reference  rate.  The  Alternative  Refinance  Rate  Committee,  a  committee  convened  by  the
Federal Reserve that includes major market participants, has identified SOFR, an index calculated by short-term repurchase agreements, backed by U.S.
Treasury securities, as its preferred alternative rate for LIBOR in the U.S.

Although  SOFR  appears  to  be  the  preferred  replacement  rate  for  U.S.  Dollar  LIBOR  and  has  been  adopted  as  the  benchmark  interest  rate  for  our  debt
arrangements, it is unclear if other benchmarks may emerge. The consequences of these developments cannot be entirely predicted, and there can be no
assurance that they will not result in financial market disruptions, significant increases in benchmark interest rates, substantially higher financing costs or a
shortage of available debt financing, any of which could have an adverse effect on our business, financial position and results of operations, and our ability
to pay dividends.

Our  business  is  affected  by  macroeconomic  conditions,  including  rising  inflation,  interest  rates,  market  volatility,  economic  uncertainty,  and  supply
chain constraints.

Various macroeconomic factors could adversely affect our business and the results of our operations and financial condition, including changes in inflation,
interest  rates  and  overall  economic  conditions  and  uncertainties  such  as  those  resulting  from  the  current  and  future  conditions  in  the  global  financial
markets.  For  instance,  inflation  has  negatively  impacted  us  by  increasing  our  labor  costs,  through  higher  wages  and  higher  interest  rates,  and  operating
costs. Supply chain constraints have led to higher inflation, which if sustained could have a negative impact on our operations. If inflation or interest rates
were to significantly increase, our business operations may be negatively affected. Interest rates, the liquidity of the credit markets and the volatility of the
capital markets could also affect the operation of our business and our ability to raise capital on favorable terms, or at all, in order to fund our operations.

The invasion of Ukraine by Russia and resulting sanctions by the United States, European Union and other countries have contributed to inflation,
market disruptions and increased volatility in commodity prices in the United States and a slowdown in global economic growth.

On February 24, 2022, a full-scale military invasion of Ukraine by Russian troops was reported. In response to the attacks on Ukraine, sanctions and other
penalties  have  been  levied  by  the  United  States,  European  Union,  and  other  countries  and  additional  sanctions  and  penalties  have  been  proposed.  The
invasion by Russia and resulting sanctions have had a broad range of adverse impacts on global business and financial markets some of which have had and
may  continue  to  have  adverse  impacts  on  our  business.  These  include  increased  inflation,  significant  market  disruptions  and  increased  volatility  in
commodity  prices  such  as  corn,  oil  and  natural  gas.  Although  the  duration  and  extent  of  the  ongoing  military  conflict  is  highly  unpredictable,  and  the
magnitude  of  the  potential  economic  impact  is  currently  unknown,  Russian  military  actions  and  resulting  sanctions  could  have  a  negative  effect  on  our
financial condition and operating results.

The ongoing conflict between Russia in Ukraine has developed into a war, posing an increasing risk for global economic growth. Major economic sanctions
against Russia are having a considerable impact on oil and gas prices, given the dependence of the EU on oil and gas exports out of Russia combined with
limited  spare  capacity  of  such  commodities  globally.  Energy  prices  have  increased  significantly,  leading  to  major  inflationary  pressures  in  the  major
developed countries that rely heavily on oil and gas exports out of Russia. In addition, the combined Russia/Ukraine region account for approximately one
quarter of global grain production, one of the main cargoes transported by dry bulk vessels, while coal and iron ore exports out of the region have also been
reduced. The above factors can have a material negative impact on demand for dry bulk transportation, while slower economic growth could also negatively
affect demand for dry bulk commodities in the rest of the world, leading to lower dry bulk freight rates.

The  recent  conflict  between  Russia  and  Ukraine  is  having  a  profound  impact  on  global  commodities  prices  including  grain  and  coal,  two  of  the  most
important commodities for dry bulk shipping. Given the importance of the region in export volumes for both grains and coal, a prolonged stoppage could
lead  to  significantly  lower  freight  rates  and  thus  a  decline  in  freight  futures  prices.  Although  coal  supplies  could  potentially  be  sourced  from  elsewhere
partly mitigating the negative impact of the lost volumes, global grain production capacity is limited, and thus the impact of the lost volumes could not be
easily mitigated. In addition, the recent geopolitical turmoil has led to an increase in government protectionism when it comes to commodities, and if such a
trend continues, it could lead to lower bulk commodities trading globally over the long term. The impact of such a scenario on dry bulk shipping will be
negative, leading to lower spot rates and as a result lower freight futures prices.

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Any change in drybulk carrier capacity in the future may result in lower charter and freight rates which, in turn, will adversely affect our profitability.

The  global  drybulk  fleet  has  increased  significantly  over  the  past  10  years  as  a  result  of  the  large  number  of  newbuilding  orders  placed  throughout  this
period. Scrapping of older ships has helped curtail some of this new supply growth, but it has not been enough to materially offset the large net growth in
the fleet. Supply growth momentum has slowed significantly in recent years as less and less newbuilding orders have been placed.

The  market  values  of  our  owned  vessels  may  decrease,  which  could  limit  the  amount  of  funds  that  we  can  borrow  or  cause  us  to  breach  certain
covenants in our credit facilities and we may incur impairment or a loss if we sell vessels following a decline in their market value.

The fair market values of our owned dry bulk vessels have generally experienced high volatility, and you should expect the market values of our vessels to
fluctuate depending on a number of factors including:

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•

prevailing level of charter and freight rates;
general economic and market conditions affecting the shipping industry;
the balance between the supply of and demand for ships of a certain type;
competition from other shipping companies;
types and sizes of vessels;
supply of and demand for vessels;
the availability and cost of other modes of transportation;
cost of newbuildings;
shipyard capacity;
governmental and other regulations, including those that may limit the useful life of vessels;
the prevailing level of charter rates;
the need to upgrade secondhand and previously owned vessels as a result of environmental, safety, regulatory or charterer requirements; and
technological advances.

In addition, as vessels grow older, they generally decline in value. If the market values of our owned vessels decrease, we may not be in compliance with
certain covenants in our credit facilities secured by mortgages on our drybulk vessels unless we provide additional collateral or prepay a portion of the loan
to a level where we are again in compliance with our loan covenants. We were in compliance with all covenants for the years ended December 31, 2023 and
2022.

If we sell one or more of our vessels at a time when vessel prices have fallen and before we have recorded an impairment adjustment to our consolidated
financial statements, the sale proceeds may be less than the vessel’s carrying amount, resulting in a loss and a reduction in earnings. Conversely, if vessel
values are elevated at a time when we wish to acquire additional vessels, the cost of acquisition may increase and this could adversely affect our business,
results of operations, cash flow and financial condition.

The  carrying  amounts  of  vessels  held  and  used  by  us  are  reviewed  for  potential  impairment  when  events  or  changes  in  circumstances  indicate  that  the
carrying amount of a particular vessel may not be fully recoverable. In such instances, an impairment charge would be recognized if the estimate of the
undiscounted  future  cash  flows  expected  to  result  from  the  use  of  the  vessel  and  its  eventual  disposition  is  less  than  the  vessel’s  carrying  amount.  This
assessment is made at the asset group level which represents the lowest level for which identifiable cash flows are largely independent of other groups of
assets. The asset groups are defined by vessel size and classification.

The current state of the global financial markets and economic conditions may adversely impact our ability to obtain additional financing on acceptable
terms and otherwise negatively impact our business.

Global financial markets can be volatile and contraction in available credit may occur as economic conditions change. In recent years, operating businesses
in the global economy have faced weakening demand for goods and services, deteriorating international liquidity conditions, and declining markets which
lead to a general decline in the willingness of banks and other financial institutions to extend credit, particularly in the shipping industry. As the shipping
industry is highly dependent on the availability of credit to finance and expand operations, it may be negatively affected by such changes and volatility.

Also, as a result of concerns about the stability of financial markets generally, and the solvency of counterparties specifically, the cost of obtaining money
from the credit markets may increase if lenders increase interest rates, enact tighter lending

39

standards, refuse to refinance existing debt at all or on terms similar to current debt, and reduce, or cease to provide funding to borrowers. Due to these
factors, additional financing may not be available to the extent required, on acceptable terms or at all. If additional financing is not available when needed,
or  is  available  only  on  unfavorable  terms,  we  may  be  unable  to  expand  or  meet  our  obligations  as  they  come  due  or  we  may  be  unable  to  enhance  our
existing business, complete additional vessel acquisitions or otherwise take advantage of business opportunities as they arise.

Credit markets in the United States and Europe have in the past experienced significant contraction, deleveraging and reduced liquidity, and there is a risk
that the U.S. federal government and state governments and European authorities continue to implement a broad variety of governmental action and/or new
regulation of the financial markets. Global financial markets and economic conditions have been, and continue to be, disrupted and volatile. We face risks
attendant to changes in economic environments, changes in interest rates, and instability in the banking and securities markets around the world, among
other factors which may have a material adverse effect on our results of operations and financial condition and may cause the price of our common shares to
decline.

As  of  December  31,  2023,  we  had  total  outstanding  indebtedness  of  $  100.3  million  under  our  various  credit  facilities  and  a  further  $167.7  million  of
finance lease obligations.

World events could affect our operations and financial results.

Past terrorist attacks, as well as the threat of future terrorist attacks around the world, continue to cause uncertainty in the world’s financial markets and may
affect our business, operating results and financial condition. Continuing conflicts, instability and other recent developments in Ukraine, the Middle East
and elsewhere, and the presence and continuing military actions of U.S. or other armed forces in these regions may lead to additional acts of terrorism and
armed conflict around the world, which may contribute to further economic instability in the global financial markets. Any of these occurrences could have
a material adverse impact on our business, financial condition and results of operations.

We face risks attendant to changes in economic and regulatory conditions around the world.

We face risks attendant to changes in economic environments, changes in interest rates, increasing inflation and the resulting monetary policies of central
governments, instability in the banking and securities markets and trade regulations around the world, among other factors. Major market disruptions and
adverse changes in market conditions and regulatory climate in China, the United States and worldwide may adversely affect our business or impair our
ability to borrow amounts under any future financial arrangements.

Chinese dry bulk imports have accounted for the majority of global dry bulk transportation growth annually over the last decade. Accordingly, our financial
condition  and  results  of  operations,  as  well  as  our  future  prospects,  would  likely  be  hindered  by  an  economic  downturn  in  any  of  these  countries  or
geographic regions. In recent years China and India have been among the world’s fastest growing economies in terms of gross domestic product, and any
economic slowdown in the Asia Pacific region particularly in China or India may adversely affect demand for seaborne transportation of our products and
our results of operations. Moreover, any deterioration in the economy of the United States or the European Union, may further adversely affect economic
growth in Asia.

Economic growth is uncertain but any slowdown, including due to supply-chain disruption, the recent surge in inflation and related actions by central banks
and geopolitical conditions, with a significant risk of recession in many parts of the world in the near term. In particular, an adverse change in economic
conditions affecting China, Japan, India or Southeast Asia generally could have a negative effect on the drybulk market. While global economic activity
levels, led by China, generally stabilized towards the last quarter of 2023, the outlook for China and the rest of the world remains uncertain and dependent
on inflation and present geopolitical instability, including the continuing trade tensions between the United States and China, which could derail recovery
from impacts of COVID-19 and the ongoing conflicts between Ukraine and Russia and Israel and Hamas.

Changes  in  the  economic  and  political  environment  in  China  and  policies  adopted  by  the  government  to  regulate  its  economy  may  have  a  material
adverse effect on our business, financial condition and results of operations.

The Chinese economy differs from the economies of western countries in such respects as structure, government involvement, level of development, growth
rate, capital reinvestment, allocation of resources, bank regulation, currency and monetary policy, rate of inflation and balance of payments position. Prior to
1978,  the  Chinese  economy  was  a  “planned  economy”.  Since  1978,  increasing  emphasis  has  been  placed  on  the  utilization  of  market  forces  in  the
development of the Chinese economy. Annual and five-year State Plans are adopted by the Chinese government in connection with the development of the
economy. Although state-owned enterprises still account for a substantial portion of the Chinese industrial output, in general, the Chinese

40

government is reducing the level of direct control that it exercises over the economy through State Plans and other measures. There is an increasing level of
freedom and autonomy in areas such as allocation of resources, production, pricing and management and a gradual shift in emphasis to a “market economy”
and  enterprise  reform.  Limited  price  reforms  were  undertaken  with  the  result  that  prices  for  certain  commodities  are  principally  determined  by  market
forces. In addition, economic reforms may include reforms to the banking and credit sector and may produce a shift away from the export-driven growth
model that has characterized the Chinese economy over the past few decades. Many of the reforms are unprecedented or experimental and may be subject to
revision, change or abolition based upon the outcome of such experiments. The level of imports to and exports from China could be adversely affected by
the failure to continue market reforms or changes to existing pro-export economic policies. The level of imports to and exports from China may also be
adversely  affected  by  changes  in  political,  economic  and  social  conditions  (including  a  slowing  of  economic  growth)  or  other  relevant  policies  of  the
Chinese  government,  such  as  changes  in  laws,  regulations  or  export  and  import  restrictions,  internal  political  instability,  changes  in  currency  policies,
changes in trade policies and territorial or trade disputes. A decrease in the level of imports to and exports from China could adversely affect our business,
operating results and financial condition.

In  recent  years,  China  and  the  United  States  have  implemented  certain  increasingly  protective  trade  measures  with  continuing  trade  tensions,  including
significant tariff increases, between these countries. Although the United States and China successfully reached an interim trade deal in January 2020 that
de-escalated the trade tensions with both sides rolling back tariffs, the extent to which the trade deal will be successfully implemented is unpredictable. A
decrease in the level of imports to and exports from China could adversely affect our business, operating results and financial condition.

In addition, in September 2020 President Xi Jinping committed his country to achieving carbon neutrality by 2060 at the UN General Assembly, despite that
carbon emissions are currently a prominent part of China’s economic and industrial structure as it relies heavily on nonrenewable energy sources, generally
lacks  energy  efficiency,  and  has  a  rapidly  growing  energy  demand.  Depending  on  how  China  attempts  to  achieve  carbon  neutrality  by  2060,  including
through the reduction in the use of coal, an overall increase in the use of nonrenewable energy as part of the energy consumption mix and through other
means  and  any  reduction  in  the  demand  for  coal  and  related  products  could  have  a  material  adverse  effect  on  our  business,  cash  flows  and  results  of
operations.

We may not be able to obtain financing on acceptable terms, which may negatively impact our planned growth.

As a result of concerns about the stability of financial markets generally and the solvency of counterparties specifically, the ability to obtain money from the
credit markets has become more difficult as many lenders have increased interest rates, enacted tighter lending standards, refused to refinance existing debt
at all or on terms similar to current debt and reduced, and in some cases ceased, to provide funding to borrowers. Due to these factors, we cannot be certain
that financing will be available if needed and to the extent required, on acceptable terms. If financing is not available when needed, or is available only on
unfavorable  terms,  we  may  be  unable  to  enhance  our  existing  business,  complete  additional  vessel  acquisitions  or  otherwise  take  advantage  of  business
opportunities as they arise.

Acts of piracy on ocean-going vessels could adversely affect our business.

Acts of piracy have historically affected ocean-going vessels trading in regions of the world such as the South China Sea, the Indian Ocean and in the Gulf
of Aden off the coast of Somalia and, in particular, the Gulf of Guinea region off Nigeria, which experienced increased incidents of piracy in recent years.
Sea piracy incidents continue to occur, increasingly in the Sulu Sea and the Gulf of Guinea, with drybulk vessels particularly vulnerable to such attacks. In
the past, political conflicts have also resulted in attacks on vessels, mining of waterways and other efforts to disrupt international shipping particularly in the
Arabian  Gulf  region  and  most  recently  in  the  Black  Sea  in  connection  with  the  ongoing  Ukraine-Russia  conflict  and  in  the  Red  Sea  in  connection  with
Israeli-Hamas conflict. Commercial vessels have been attacked in international waters in the southern Red Sea, according to statements by the U.S. military,
with  Yemen’s  Houthi  group  claiming  drone  and  missile  attacks  on  two  Israeli  vessels  in  the  area,  in  response  to  the  ongoing  conflict  in  the  region.  The
perception that our vessels are a potential piracy or terrorist target could have a material adverse impact on our business, financial condition and results of
operations.

Further,  if  these  piracy  attacks  occur  in  regions  in  which  our  vessels  are  deployed  that  insurers  characterize  as  “war  risk”  zones  or  by  the  Joint  War
Committee as “war and strikes” listed areas, premiums payable for such coverage could increase significantly and such insurance coverage may be more
difficult to obtain, if available at all. In addition, crew costs, including costs that may be incurred to the extent we employ on-board security guards, could
increase in such circumstances. We may not be adequately insured to cover losses from these incidents, which could have a material adverse effect on us. In
addition, detention hijacking as a result of an act of piracy against our vessels, or an increase in cost, or unavailability of insurance for our vessels, could
have a material adverse impact on our business, results of operations, cash flows and financial condition, and

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this may result in loss of revenues, increased costs and decreased cash flows to our customers, which could impair their ability to make payments to us
under our charters.

Our  operations  outside  the  United  States  expose  us  to  global  risks,  such  as  political  instability,  terrorist  attacks,  international  hostilities  and  global
public health concerns, which may affect the seaborne transportation industry and adversely affect our business.

We conduct most of our operations outside of the United States, and our business, results of operations, cash flows, financial condition and ability to pay
dividends, if any, in the future may be adversely affected by changing economic, political and government conditions in the countries and regions where our
vessels  are  employed  or  registered.  Moreover,  we  operate  in  a  sector  of  the  economy  that  is  likely  to  be  adversely  impacted  by  the  effects  of  political
conflicts, including the current political instability in Ukraine, in the Middle East and the South China Sea region and other geographic countries and areas,
geopolitical events such as terrorist or other attacks, and war (or threatened war) or international hostilities, such as those between the United States and Iran
or North Korea. Terrorist attacks as well as the frequent incidents of terrorism in the Middle East, and the continuing response of the United States and
others to these attacks, as well as the threat of future terrorist attacks around the world, continues to cause uncertainty in the world's financial markets and
may  affect  our  business,  operating  results  and  financial  condition.  As  a  result  of  the  above,  insurers  have  increased  premiums  and  reduced  or  restricted
coverage  for  losses  caused  by  terrorist  acts  generally.  These  uncertainties  could  also  adversely  affect  our  ability  to  obtain  additional  financing  on  terms
acceptable to us or at all. Any of these occurrences could have a material adverse impact on our operating results, revenues and costs.

Further, governments may turn and have turned to trade barriers to protect their domestic industries against foreign imports, thereby depressing shipping
demand. In particular, beginning in February of 2022, President Biden and several European leaders also announced various economic sanctions against
Russia  in  connection  with  the  aforementioned  conflicts  in  the  Ukraine  region,  which  have  continued  to  expand  over  the  past  two  years  and  which  may
adversely impact our business. The Russian Foreign Harmful Activities Sanctions program includes prohibitions on the import of certain Russian energy
products  into  the  United  States,  including  crude  oil,  petroleum,  petroleum  fuels,  oils,  liquefied  natural  gas  and  coal,  as  well  as  prohibitions  on  all  new
investments in Russia by U.S. persons, among other restrictions. Furthermore, the United States has also prohibited a variety of specified services related to
the  maritime  transport  of  Russian  Federation  origin  crude  oil  and  petroleum  products,  including  trading/commodities  brokering,  financing,  shipping,
insurance (including reinsurance and protection and indemnity), flagging, and customs brokering. These prohibitions took effect on December 5, 2022 with
respect to the maritime transport of crude oil and on February 5, 2023 with respect to the maritime transport of other petroleum products. An exception
exists to permit such services when the price of the seaborne Russian oil does not exceed the relevant price cap; but implementation of this price exception
relies on a recordkeeping and attestation process that allows each party in the supply chain of seaborne Russian oil to demonstrate or confirm that oil has
been purchased at or below the price cap. Violations of the price cap policy or the risk that information, documentation, or attestations provided by parties in
the supply chain are later determined to be false may pose additional risks adversely affecting our business. Our business could also be adversely impacted
by  trade  tariffs,  trade  embargoes  or  other  economic  sanctions  that  limit  trading  activities  by  the  United  States  or  other  countries  against  countries  in  the
Middle East, Asia or elsewhere as a result of terrorist attacks, hostilities or diplomatic or political pressures.

In the past, political instability has also resulted in attacks on vessels, mining of waterways and other efforts to disrupt international shipping, particularly in
the Arabian Gulf region. Acts of terrorism and piracy have also affected vessels trading in regions such as the South China Sea and the Gulf of Aden off the
coast of Somalia.

In addition, public health threats, such as COVID-19, influenza and other highly communicable diseases or viruses, outbreaks of which have from time to
time  occurred  in  various  parts  of  the  world  in  which  we  operate,  including  China,  could  adversely  impact  our  operations,  the  timing  of  completion  of
scheduled dry-dockings and ballast water treatment system installation projects, as well as the operations of our customers.

Any of these occurrences could have a material adverse impact on our future performance, results of operations, cash flows and financial position.

Outbreaks of epidemic and pandemic diseases and governmental responses thereto could adversely affect our business, financial performance, and our
results of operations, including the ability to obtain charters and financing.

Our  operations  are  subject  to  risks  related  to  pandemics,  epidemics  or  other  infectious  disease  outbreaks  and  government  responses  thereto.  COVID-19,
which was initially declared a pandemic by the World Health Organization on March 11, 2020

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and was declared no longer a global health emergency on May 5, 2023, negatively affected economic conditions, supply chains, labor markets, and demand
for certain shipped goods.

The extent to which our business, results of operations and financial condition may be negatively affected by the COVID-19 pandemic or future pandemics,
epidemics or other outbreaks of infectious diseases is highly uncertain and will depend on numerous evolving factors that we cannot predict, including, but
not limited to (i) the duration and severity of the infectious disease outbreak; (ii) the imposition of restrictive measures to combat the outbreak and slow
disease transmission; (iii) the introduction of financial support measures to reduce the impact of the outbreak on the economy; (iv) volatility in the demand
for  and  price  of  oil  and  gas;  (v)  shortages  or  reductions  in  the  supply  of  essential  goods,  services  or  labor;  and  (vi)  fluctuations  in  general  economic  or
financial conditions tied to the outbreak, such as a sharp increase in interest rates or reduction in the availability of credit. We cannot predict the effect that
an outbreak of a new COVID-19 variant or strain, or any future infectious disease outbreak, pandemic or epidemic may have on our business, results of
operations and financial condition, which could be material and adverse.

Our revenues are subject to seasonal fluctuations, which could affect our operating results and our ability to pay dividends, if any, in the future.

We operate our drybulk vessels in markets that have historically exhibited seasonal variations in demand and, as a result, in charter and freight rates. This
seasonality  may  result  in  quarter-to-quarter  volatility  in  our  operating  results,  which  could  affect  our  ability  to  pay  dividends,  if  any,  in  the  future.  The
drybulk  carrier  market  is  typically  stronger  in  the  fall  and  winter  months  due  to  demand  increases  arising  from  agricultural  harvest  and  increased  coal
demand in preparation for winter in the Northern Hemisphere. In addition, unpredictable weather patterns in these months tend to disrupt vessel scheduling
and supplies of certain commodities. This seasonality may adversely affect our operating results and our ability to pay dividends, if any, in the future.

Risks associated with operating ocean-going vessels could affect our business and reputation, which could adversely affect our revenues and the price of
our common shares.

The operation of ocean-going vessels carries inherent risks. These risks include the possibility of:

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a marine accident or disaster;
environmental accidents and pollution;
cargo and property losses or damage;
damage to the environment, including through spillage of fuel, lubricants or other chemicals and substances used in operations;
business  interruptions  caused  by  mechanical  failure,  human  error,  war,  terrorism,  political  action  in  various  countries,  labor  strikes  or  adverse
weather conditions; and
piracy.

These hazards may result in death or injury to persons, loss of revenues or property, the payment of ransoms, environmental damage, higher insurance rates,
damage to our customer relationships and market disruptions, delay or rerouting, any of which may subject us to litigation. As a result, we could be exposed
to substantial liabilities not recoverable under our insurances. Further, the involvement of our vessels in an environmental disaster may harm our reputation
as a safe and reliable vessel owner and operator. Any of these circumstances or events could increase our costs or lower our revenues.

If our vessels suffer damage, they may need to be repaired at a drydocking facility. The costs of drydock repairs are unpredictable and may be substantial.
We may have to pay drydocking costs that our insurance does not cover at all or in full. The loss of revenues while these vessels are being repaired and
repositioned, as well as the actual cost of these repairs, may adversely affect our business and financial condition. In addition, space at drydocking facilities
is  sometimes  limited  and  not  all  drydocking  facilities  are  conveniently  located.  We  may  be  unable  to  find  space  at  a  suitable  drydocking  facility  or  our
vessels may be forced to travel to a drydocking facility that is not conveniently located relative to our vessels' positions. The loss of earnings while these
vessels are forced to wait for space or to travel to more distant drydocking facilities may adversely affect our business and financial condition.

The operation of drybulk carriers entails certain unique operational risks.

The operation of certain ship types, such as drybulk carriers, has certain unique risks. With a drybulk carrier, the cargo itself and its interaction with the ship
can be a risk factor. By their nature, drybulk cargoes are often heavy, dense, easily shifted, and react badly to water exposure. In addition, drybulk carriers
are often subjected to battering treatment during unloading

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operations with grabs, jackhammers (to pry encrusted cargoes out of the hold), and small bulldozers. This treatment may cause damage to the vessel. Vessels
damaged  due  to  treatment  during  unloading  procedures  may  be  more  susceptible  to  breach  at  sea.  Furthermore,  any  defects  or  flaws  in  the  design  of  a
drybulk carrier may contribute to vessel damage. Hull breaches in drybulk carriers may lead to the flooding of the vessels holds. If a drybulk carrier suffers
flooding in its holds, the bulk cargo may become so dense and waterlogged that its pressure may buckle the vessel's bulkheads, leading to the loss of the
vessel.  If  we  are  unable  to  adequately  maintain  our  vessels,  we  may  be  unable  to  prevent  these  events.  Any  of  these  circumstances  or  events  could
negatively impact our business, financial condition, results of operations and our ability to pay dividends, if any, in the future. In addition, the loss of any of
our vessels could harm our reputation as a safe and reliable vessel owner and operator.

If our vessels call on ports located in countries or territories that are the subject of sanctions or embargoes imposed by the U.S., the European Union,
the United Nations, or other governmental authorities, it could lead to monetary fines or other penalties and may adversely affect our reputation and the
market for our securities.

Although no vessels owned or operated by us have called on ports located in countries or territories that are the subject of country-wide or territory-wide
sanctions or embargoes imposed by the U.S. government or other governmental authorities (“Sanctioned Jurisdictions”) in violation of applicable sanctions
or embargo laws, and we endeavor to take precautions designed to mitigate such risk, it is possible that, in the future, our vessels may call on ports located
in Sanctioned Jurisdictions on our charterers’ instructions and/or without our consent. If such activities result in a violation of sanctions or embargo laws,
we could be subject to monetary fines, penalties, or other sanctions, and our reputation and the market for our common shares could be adversely affected.

The applicable sanctions and embargo laws and regulations vary in their application, as they do not all apply to the same covered persons or proscribe the
same activities, and such sanctions and embargo laws and regulations may be amended or expanded over time. Current or future counterparties of ours may
be  affiliated  with  persons  or  entities  that  are  or  may  be  in  the  future  the  subject  of  sanctions  or  embargoes  imposed  by  the  U.S.,  the  EU,  and/or  other
international bodies. If we determine that such sanctions require us to terminate existing or future contracts to which we, or our subsidiaries, are party or if
we are found to be in violation of such applicable sanctions, our results of operations may be adversely affected or we may suffer reputational harm. The
Company,  or  its  respective  counterparty,  have  cancelled  certain  voyages  due  to  countries  around  the  world  imposing  sanctions  against  Russia  over  its
invasion  of  Ukraine.  The  Company  might  be  subject  to  litigation  regarding  canceled  voyages.  Although  the  current  market  remains  strong,  and  the
Company  expects  to  deploy  vessels  on  other  voyage  and  time  charter  arrangements,  the  rates  achieved  may  not  be  at  the  same  levels  as  the  cancelled
voyages.

As  a  result  of  Russia’s  actions  in  Ukraine  and  the  war  between  Israel  and  Hamas,  the  U.S.,  EU  and  United  Kingdom,  together  with  numerous  other
countries, have imposed significant economic sanctions which may adversely affect our ability to operate in the region and also restrict parties whose cargo
we may carry. Sanctions against Russia have also placed significant prohibitions on the maritime transportation of seaborne Russian oil, the importation of
certain Russian energy products and other goods, and new investments in the Russian Federation. These sanctions further limit the scope of permissible
operations and cargo we may carry.

Although  we  believe  that  we  have  been  in  compliance  with  all  applicable  sanctions  and  embargo  laws  and  regulations,  and  intend  to  maintain  such
compliance, there can be no assurance that we will be in compliance in the future, particularly as the scope of certain laws may be unclear and may be
subject to changing interpretations. Any such violation could result in fines, penalties or other sanctions that could negatively impact our ability to access
U.S. capital markets and conduct our business, and could result in some investors deciding, or being required, to divest their interest, or not to invest, in us.
In  addition,  certain  institutional  investors  may  have  investment  policies  or  restrictions  that  prevent  them  from  holding  securities  of  companies  that  have
contracts with countries identified by the U.S. government as state sponsors of terrorism. The determination by these investors not to invest in, or to divest
from, our securities may adversely affect the price at which our securities trade. Additionally, some investors may decide to divest their interest, or not to
invest, in our company simply because we do business with companies that do business in sanctioned countries or territories. Moreover, our charterers may
violate applicable sanctions and embargo laws and regulations as a result of actions that do not involve us or our vessels, and those violations could in turn
negatively  affect  our  reputation.  In  addition,  our  reputation  and  the  market  for  our  securities  may  be  adversely  affected  if  we  engage  in  certain  other
activities, such as lawfully entering into charters with individuals or entities that are not controlled by the governments of countries or territories that are the
subject of certain U.S. sanctions or embargo laws, or engaging in operations associated with those countries or territories pursuant to contracts with third
parties that are unrelated to those countries or territories or entities controlled by their governments. Investor perception of the value of our common shares
may be adversely affected by the consequences of war, the effects of terrorism, civil unrest and governmental actions in the countries or territories that we
operate in.

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We are subject to international safety regulations and the failure to comply with these regulations may subject us to increased liability, may adversely
affect our insurance coverage and may result in a denial of access to, or detention in, certain ports.

The  operation  of  our  vessels  is  affected  by  the  requirements  set  forth  in  the  United  Nations’  International  Maritime  Organization’s  International
Management  Code  for  the  Safe  Operation  of  Ships  and  Pollution  Prevention,  or  ISM  Code.  The  ISM  Code  requires  ship  owners  and  ship  managers  to
develop and maintain an extensive “Safety Management System” that includes the adoption of a safety and environmental protection policy setting forth
instructions and procedures for safe operation for dealing with emergencies. The failure of a shipowner to comply with the ISM Code may subject it to
increased liability, may invalidate existing insurance or decrease available insurance coverage for the affected vessels and may result in a denial of access to,
or detention in, certain ports. Each of the vessels owned or operated by us is ISM Code-certified.

In  addition,  vessel  classification  societies  impose  significant  safety  and  other  requirements  on  our  vessels.  In  complying  with  current  and  future
environmental requirements, vessel owners and operators may incur significant additional costs for maintenance and inspection requirements, in developing
contingency arrangements for potential spills and in obtaining insurance coverage. Government regulation of vessels, particularly in the areas of safety and
environmental protection requirements, can be expected to become stricter in the future and may require us to incur significant capital expenditures to keep
our vessels in compliance.

On July 14, 2021, the European Commission formally proposed its plan to gradually include the maritime sector in the EU Emissions Trading System (“EU
ETS”)  from  2024  by  phasing  the  sector  into  the  EU  ETS  requirements  over  a  three-year  period.  Effective  January  1,  2024,  the  scope  of  ETS  has  been
expanded to include maritime transport emissions, with a two-year phase-in period. This will require shipowners to buy permits to cover greenhouse gas
emissions  and  is  expected  to  affect  our  vessels  from  January  1,  2024.  The  European  Commission’s  plan  will  permit  vessel  owners  to  pass  the  costs  of
compliance with the EU ETS onto charterers for vessel emissions during on-hire periods. If we are unable to pass on these additional costs to our customers
during on-hire periods, this could have a material adverse effect on our financial position. During off-hire periods, we will need to develop a strategy for
purchasing EU ETS allocations at favorable rates. If we are unable to obtain favorable rates or are unable to implement adequate processes to manage the
purchasing and surrendering of EU ETS allocations, it could have a material adverse effect on the Company’s financial position.

We are subject to complex laws and regulations, including environmental regulations that can adversely affect the cost, manner or feasibility of doing
business.

Our operations are subject to numerous laws and regulations in the form of international conventions and treaties, national, state and local laws and national
and international regulations in force in the jurisdictions in which our vessels operate or are registered, which can significantly affect the ownership cost and
operation of our vessels. These requirements include, but are not limited to, European Union Regulations, the International Convention for the Prevention of
Pollution from Ships of 1975, the International Maritime Organization, or IMO, International Convention for the Prevention of Marine Pollution of 1973,
the IMO International Convention for the Safety of Life at Sea of 1974, the International Convention on Load Lines of 1966, the U.S. Oil Pollution Act of
1990,  or  OPA,  the  U.S.  Comprehensive  Environmental  Response,  Compensation  and  Liability  Act  of  1980,  or  CERCLA,  the  U.S.  Clean  Air  Act,  U.S.
Clean Water Act, the U.S. Marine Transportation Security Act of 2002 and the International Code for Ships Operating in Polar Waters.

Compliance with such laws, regulations and standards, where applicable, may require installation of costly equipment or operational changes and may affect
the resale value or useful lives of our vessels. We may also incur additional costs in order to comply with other existing and future regulatory obligations,
including,  but  not  limited  to,  costs  relating  to  air  emissions  including  greenhouse  gases,  the  management  of  ballast  waters,  maintenance  and  inspection,
development and implementation of emergency procedures and insurance coverage or other financial assurance of our ability to address pollution incidents.
These  costs  could  have  a  material  adverse  effect  on  our  business,  results  of  operations,  cash  flows  and  financial  condition.  A  failure  to  comply  with
applicable  laws  and  regulations  may  result  in  administrative  and  civil  penalties,  criminal  sanctions  or  the  suspension  or  termination  of  our  operations.
Environmental laws often impose strict liability for remediation of spills and releases of oil and hazardous substances, which could subject us to liability
without regard to whether we were negligent or at fault.

We are required to satisfy insurance and financial responsibility requirements for potential oil (including marine fuel) spills and other pollution incidents.
Although we have arranged insurance to cover certain environmental risks, there can be no assurance that such insurance will be sufficient to cover all such
risks or that any claims will not have a material adverse effect on our business, results of operations, cash flows and financial condition and our ability to
pay dividends.

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Regulations relating to ballast water discharge may adversely affect our revenues and profitability.

The UN International Maritime Organization has imposed updated guidelines for ballast water management systems specifying the maximum amount of
viable organisms allowed to be discharged from a vessel’s ballast water. Depending on the date of the IOPP renewal survey, existing vessels constructed
before September 8, 2017 must comply with the updated D-2 standard on or after September 8, 2019. For most vessels, compliance with the D-2 standard
will involve installing on-board systems to treat ballast water and eliminate unwanted organisms. Ships constructed on or after September 8, 2017 are to
comply  with  the  D-2  standards  on  or  after  September  8,  2017  and  the  costs  of  compliance  may  be  substantial  and  adversely  affect  our  revenues  and
profitability.

Furthermore,  United  States  regulations  are  currently  changing.  Although  the  2013  Vessel  General  Permit  (“VGP”)  program  and  U.S.  National  Invasive
Species Act (“NISA”) are currently in effect to regulate ballast discharge, exchange and installation, the Vessel Incidental Discharge Act (“VIDA”), which
was signed into law on December 4, 2018, requires that the EPA develop national standards of performance for approximately 30 discharges, similar to
those  found  in  the  VGP  within  two  years.  On  October  26,  2020,  the  EPA  published  a  Notice  of  Proposed  Rulemaking  for  Vessel  Incidental  Discharge
National Standards of Performance under VIDA. On October 18, 2023, the EPA published a supplemental notice of the proposed rule sharing new ballast
water data received from the U.S. Coast Guard (“USCG”) and providing clarification on the proposed rule. The public comment period for the proposed
rule ended on December 18, 2023. Once EPA finalizes the rule (possibly by Fall 2024), USCG must develop corresponding implementation, compliance
and  enforcement  regulations  regarding  ballast  water  within  two  years.  The  new  regulations  could  require  the  installation  of  new  equipment,  which  may
cause us to incur substantial costs.

Increased inspection procedures and tighter import and export controls could increase costs and disrupt our business.

International shipping is subject to various security and customs inspections and related procedures in countries of origin, destination and trans-shipment
points. Inspection procedures may result in the seizure of the contents of our vessels, delays in the loading, offloading or delivery of our vessels and the
levying of customs duties, fines or other penalties against us.

It is possible that changes to inspection procedures could impose additional financial and legal obligations on us. Changes to inspection procedures could
also  impose  additional  costs  and  obligations  on  our  customers  and  may,  in  certain  cases,  render  the  shipment  of  certain  types  of  cargo  uneconomical  or
impractical. Any such changes or developments may have a material adverse effect on our business, financial condition and results of operations.

Maritime claimants could arrest one or more of our vessels, which could interrupt our cash flow.

Crew  members,  suppliers  of  goods  and  services  to  a  vessel,  shippers  of  cargo  and  other  parties  may  be  entitled  to  a  maritime  lien  against  a  vessel  for
unsatisfied debts, claims or damages. In many jurisdictions, a claimant may seek to obtain security for its claim by arresting a vessel through foreclosure
proceedings. The arrest or attachment of one or more of our vessels could interrupt our cash flow and require us to pay large sums of money to have the
arrest or attachment lifted. In addition, in some jurisdictions, such as South Africa, under the “sister ship” theory of liability, a claimant may arrest both the
vessel which is subject to the claimant's maritime lien and any “associated” vessel, which is any vessel owned or controlled by the same owner. Claimants
could attempt to assert “sister ship” liability against a vessel in our fleet for claims relating to another of our vessels.

Governments could requisition our vessels during a period of war or emergency, resulting in a loss of earnings.

A government could requisition one or more of our vessels for title or for hire. Requisition for title occurs when a government takes control of a vessel and
becomes her owner, while requisition for hire occurs when a government takes control of a vessel and effectively becomes her charterer at dictated charter
rates.  Generally,  requisitions  occur  during  periods  of  war  or  emergency,  although  governments  may  elect  to  requisition  vessels  in  other  circumstances.
Although we would be entitled to compensation in the event of a requisition of one or more of our vessels, the amount and timing of payment would be
uncertain. Government requisition of one or more of our vessels may negatively impact our revenues and reduce the amount of dividends, if any, in the
future.

Changes in fuel prices may adversely affect profits.

Fuel, or bunkers, is typically the largest expense of our operating business and therefore, changes in the price of fuel may adversely affect our profitability.
When we operate vessels under COAs or voyage charters, we are responsible for all voyage costs, including bunkers. The price and supply of fuel can be
unpredictable and fluctuates based on events outside our control, including geopolitical developments, supply and demand for oil and gas, actions by the
Organization  of  the  Petroleum  Exporting  Countries,  or  OPEC,  and  other  oil  and  gas  producers,  war  and  unrest  in  oil  producing  countries  and  regions,
regional

46

production  patterns  and  environmental  concerns.  Furthermore,  fuel  may  become  significantly  more  expensive  in  the  future,  which  may  reduce  our
profitability.

We continually monitor the market volatility associated with bunker prices and seek to hedge our exposure to changes in the price of marine fuels with our
bunker  hedging  program.  Please  see  “The  Company’s  Management  and  Discussion  Analysis  of  Financial  Condition  and  Results  of  Operations  -
Quantitative and Qualitative Disclosures about Market Risks - Fuel Swap Contracts.”

In the highly competitive international shipping industry, we may not be able to compete successfully for chartered-in vessels or for vessel employment
and, as a result, we may be unable to charter-in vessels at reasonable rates or employ our vessels profitably.

We charter-in and employ vessels in a highly competitive market that is capital intensive and highly fragmented. Competition arises primarily from other
vessel owners and operators, some of whom have substantially greater resources than we do. Competition for seaborne transportation of drybulk cargo by
sea is intense and depends on the charter or freight rate and on the location, size, age, condition and acceptability of a vessel and its operators. Due to the
highly fragmented market, competitors with greater resources are able to operate larger fleets and may be able to offer lower charter or freight rates and
higher quality vessels than we are able to offer. If we are unable to successfully compete with other drybulk shipping operators, we may be unable to retain
customers or attract new customers, which would have an adverse impact on our results of operations.

Labor interruptions could disrupt our business.

Our vessels are manned by masters, officers and crews that are contracted by our technical managers. If not resolved in a timely and cost-effective manner,
industrial action or other labor unrest could prevent or hinder our operations from being carried out normally and could have a material adverse effect on our
business, financial condition, results of operations and cash flows, and on our ability to pay dividends.

Increasing  scrutiny  and  changing  expectations  from  investors,  lenders  and  other  market  participants  with  respect  to  our  Environmental,  Social  and
Governance ("ESG") policies may impose additional costs on us or expose us to additional risks.

Companies  across  all  industries  are  facing  increasing  scrutiny  relating  to  their  ESG  policies.  Investor  advocacy  groups,  certain  institutional  investors,
investment funds, lenders and other market participants are increasingly focused on ESG practices and in recent years have placed increasing importance on
the implications and social cost of their investments.

In February 2021, the Acting Chair of the SEC issued a statement directing the Division of Corporation Finance to enhance its focus on climate-related
disclosure in public company filings and in March 2021 the SEC announced the creation of a Climate and ESG Task Force in the Division of Enforcement
(the “Task Force”). The Task Force’s goal is to develop initiatives to proactively identify ESG-related misconduct consistent with increased investor reliance
on climate and ESG-related disclosure and investment. To implement the Task Force’s purpose, the SEC has taken several enforcement actions, with the
first enforcement action taking place in May 2022, and proposed new rules. On March 21, 2022, the SEC proposed that all public companies are to include
extensive  climate-related  information  in  their  SEC  filings.  On  May  25,  2022,  SEC  proposed  a  second  set  of  rules  aiming  to  curb  the  practice  of
"greenwashing" (i.e., making unfounded claims about one's ESG efforts) and would add proposed amendments to rules and reporting forms that apply to
registered investment companies and advisers, advisers exempt from registration, and business development companies.

The increased focus and activism related to ESG and similar matters may hinder access to capital, as investors and lenders may decide to reallocate capital
or to not commit capital as a result of their assessment of a company’s ESG practices. Companies which do not adapt to or comply with investor, lender or
other  industry  shareholder  expectations  and  standards,  which  are  evolving,  or  which  are  perceived  to  have  not  responded  appropriately  to  the  growing
concern  for  ESG  issues,  regardless  of  whether  there  is  a  legal  requirement  to  do  so,  may  suffer  from  reputational  damage  and  the  business,  financial
condition, and/or stock price of such a company could be materially and adversely affected.

We  may  face  increasing  pressures  from  investors,  lenders  and  other  market  participants,  who  are  increasingly  focused  on  climate  change,  to  prioritize
sustainable  energy  practices,  reduce  our  carbon  footprint  and  promote  sustainability.  As  a  result,  we  may  be  required  to  implement  more  stringent  ESG
procedures or standards so that our existing and future investors and lenders remain invested in us and make further investments in us, especially given the
highly focused and specific trade of drybulk transportation in which we are engaged. If we do not meet these standards, our business and/or our ability to
access capital could be harmed.

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These limitations in both the debt and equity capital markets may affect our ability to grow as our plans for growth may include accessing the equity and
debt capital markets. If those markets are unavailable, or if we are unable to access alternative means of financing on acceptable terms, or at all, we may be
unable to implement our business strategy, which would have a material adverse effect on our financial condition and results of operations and impair our
ability to service our indebtedness. Further, it is likely that we will incur additional costs and require additional resources to monitor, report and comply with
wide ranging ESG requirements. The occurrence of any of the foregoing could have a material adverse effect on our business and financial condition.

Our  insurance  may  not  be  adequate  to  cover  our  losses  that  may  result  from  our  operations  due  to  the  inherent  operational  risks  of  the  seaborne
transportation industry.

We carry insurance to protect us against most of the accident-related risks involved in the conduct of our business, including marine hull and machinery
insurance, protection and indemnity insurance, which include pollution risks, crew insurance and war risks insurance. However, we may not be adequately
insured to cover all of our potential losses, which could have a material adverse effect on us. Additionally, our insurers may refuse to pay particular claims,
and our insurance may be voidable by the insurers if we take, or fail to take, certain action, such as failing to maintain certification of our vessels with the
applicable  maritime  regulatory  organizations.  Any  significant  uninsured  or  under-insured  loss  or  liability  could  have  a  material  adverse  effect  on  our
business,  financial  condition,  results  of  operations  and  cash  flows  and  our  ability  to  pay  dividends.  In  addition,  we  may  not  be  able  to  obtain  adequate
insurance coverage at reasonable rates in the future during adverse insurance market conditions.

In  addition,  we  do  not  carry  loss-of-hire  insurance,  which  covers  the  loss  of  revenues  during  extended  vessel  off-hire  periods,  such  as  those  that  occur
during  an  unscheduled  drydocking  due  to  damage  to  the  vessel  from  accidents.  Accordingly,  any  loss  of  a  vessel  or  extended  vessel  off-hire,  due  to  an
accident or otherwise, could have a material adverse effect on our business, financial condition, results of operations and our ability to pay dividends.

The  logistics  industry  has  its  own  set  of  risks,  including  infrastructure  issues,  operational  efficiencies,  lack  of  digital  culture  and  training,  labor
relations and operational costs. We may not be able to provide logistics solutions to our customers in the face of obstacles created as a result of one of
these factors.

The  Company  has  dedicated  resources  to  developing  logistics  solutions  for  our  customers.  These  solutions  may  depend  on  infrastructure  quality  and
improvement, the ability to hire qualified personnel, the ability to coordinate operations, development of digital integration and collaboration with suppliers
and customers, and the ability to contain costs. If we are unable to facilitate these solutions due to any of these factors, we will not be able to continue
developing such solutions.

Failure to comply with the U.S. Foreign Corrupt Practices Act could result in fines, criminal penalties, charter terminations and an adverse effect on
our business.

We may operate in a number of countries throughout the world, including countries known to have a reputation for corruption. We are committed to doing
business  in  accordance  with  applicable  anti-corruption  laws  and  have  adopted  a  code  of  business  conduct  and  ethics  which  is  consistent  and  in  full
compliance  with  the  U.S.  Foreign  Corrupt  Practices  Act  of  1977,  as  amended  (the  “FCPA”).  We  are  subject,  however,  to  the  risk  that  we,  our  affiliated
entities  or  our  or  their  respective  officers,  directors,  employees  and  agents  may  take  actions  determined  to  be  in  violation  of  such  anti-corruption  laws,
including the FCPA. Any such violation could result in substantial fines, sanctions, civil and/or criminal penalties and curtailment of operations in certain
jurisdictions, and might adversely affect our business, results of operations or financial condition. In addition, actual or alleged violations could damage our
reputation  and  ability  to  do  business.  Furthermore,  detecting,  investigating  and  resolving  actual  or  alleged  violations  is  expensive  and  can  consume
significant time and attention of our senior management.

Risks Relating to Our Company

Our business strategy includes chartering-in vessels, and we may not be able to charter-in suitable vessels.

Our  business  strategy  depends,  in  large  part,  on  our  ability  to  charter-in  vessels.  If  we  are  not  able  to  find  suitable  vessels  to  charter-in,  or  to  charter-in
vessels at what we deem to be a reasonable rate, we may not be able to operate profitably or perform our contractual obligations. As a result, we may need
to adjust our business strategy, and we may experience material adverse effects on our business, financial condition and results of operations. In addition, if
we charter-in a vessel and shipping rates subsequently decrease, or we are unable to secure employment for such a vessel, our obligation under the charter
may adversely affect our financial condition and results of operations.

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We  depend  upon  a  few  significant  customers  for  a  large  part  of  our  revenues  and  cash  flow,  and  the  loss  of  one  or  more  of  these  customers  could
adversely affect our financial performance.

We expect to derive a significant part of our revenue and cash flow from a relatively small number of repeat customers. For the year ended December 31,
2023,  two  customers  accounted  for  more  than  10%  of  total  revenue  and  all  of  our  top  ten  customers,  representing  57%  of  total  revenue,  are  repeat
customers. If one or more of our significant customers is unable to perform under one or more charters or COAs and we are not able to find a replacement
charter or COA; or if a customer exercises certain rights to terminate the charter or COA, we could suffer a loss of revenues that could materially adversely
affect our business, financial condition, results of operations and cash available for distribution as dividends to our shareholders.

We could lose a customer or the benefits of a charter or COA if, among other things:

•
•

the customer fails to make charter payments because of its financial inability, disagreements with us or otherwise; or
the customer terminates the charter because we do not perform in accordance with such charter and do not cure such failures within a specified
period.

If we lose a key customer, we may be unable to obtain replacement charters or COAs on comparable terms or at all. The loss of any of our customers,
COAs, charters or vessels, or a decline in payments under our agreements, could have a material adverse effect on our business, results of operations and
financial condition and our ability to pay dividends to our shareholders.

We are a holding company, and depend on the ability of our subsidiaries, through which we operate our business, to distribute funds to us in order to
satisfy our financial obligations or to make dividend payments.

We are a holding company, and our subsidiaries conduct all of our operations and own all of our operating assets. The equity interests in our vessel-owning
subsidiaries represent a significant portion of our operating assets. As a result, our ability to satisfy our financial obligations and to pay dividends to our
shareholders depends on the ability of our subsidiaries to generate profits available for distribution to us and, to the extent that they are unable to generate
profits, we will be unable to pay dividends to our shareholders.

We are subject to certain risks with counterparties on contracts and the failure of such counterparties to meet their obligations could cause us to suffer
losses or otherwise adversely affect our business and ability to comply with covenants in our loan agreements.

We  enter  into  various  contracts  that  are  material  to  the  operation  of  our  business,  including  COAs,  time  charters  and  voyage  charters  under  which  we
employ our vessels, and charter agreements under which we charter-in vessels. We also enter into loan agreements and hedging agreements, such as bunker
swap agreements and forward freight agreements, or FFAs. Such agreements subject us to counterparty risks. The ability and willingness of each of our
counterparties to perform its obligations under a contract with us will depend on a number of factors that are beyond our control, including, among other
things, general economic conditions, the condition of the drybulk shipping industry, the overall financial condition of our counterparty, prevailing prices for
drybulk cargoes, rates received for specific types of vessels and voyages, and various expenses. In addition, in depressed market conditions, our customers
may no longer need us to carry a cargo that is currently under contract or may be able to obtain carriage at a lower rate. If our customers fail to meet their
obligations to us or attempt to renegotiate our agreements, it may be difficult to secure suitable substitute employment for the vessel, and any new charter
arrangements we secure may be at lower rates or, if our counterparties fail to deliver a vessel we have agreed to charter-in, or if a counterparty otherwise
fails to honor its obligations to us under a contract, we could sustain significant losses, which could have a material adverse effect on our business, financial
condition, results of operations, cash flows, ability to pay dividends to holders of our common shares in the amounts anticipated or at all and compliance
with covenants in our secured loan agreements.

Charterers are sensitive to the commodity markets and may be impacted by market forces affecting commodities and/or uncertain industry conditions. In
depressed market conditions, charterers may have incentive to renegotiate their charters or default on their obligations under charters. Should a charterer in
the future fail to honor its obligations under agreements with us, it may be difficult to secure substitute employment for such vessel, and any new charter
arrangements we secure on the spot market or on charters may be at lower rates, depending on the then existing charter rate levels, compared to the rates
currently  being  charged  for  our  vessels.  In  addition,  if  the  charterer  of  a  vessel  in  our  fleet  that  is  used  as  collateral  under  one  or  more  of  our  loan
agreements defaults on its charter obligations to us, such default may constitute an event of default under our loan agreements, which may allow the bank to
exercise remedies under our loan agreements.

Although we assess the creditworthiness of our counterparties, a prolonged period of difficult industry conditions could lead to changes in a counterparty’s
liquidity and increase our exposure to credit risk and bad debts. In addition, we may offer extended

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payment terms to our customers in order to secure contracts, which may lead to more frequent collection issues and adversely affect our financial results and
liquidity.

Additionally, we are subject to certain risks as a result of using our vessels as collateral. If we are in breach of financial covenants contained in our loan
agreements, we may not be successful in obtaining waivers and amendments. If our indebtedness is accelerated, it may be difficult in the current financing
environment for us to refinance our debt or obtain additional financing and we could lose our vessels if our lenders foreclose on their liens.

We may be unable to comply with covenants in our credit facilities or any financial obligations that impose operating and financial restrictions on us.

Our credit facilities and finance leases, which are secured by mortgages on our vessels, impose certain operating and financial restrictions on us, mainly to
ensure that the market value of the mortgaged vessel under the applicable credit facility does not fall below a certain percentage of the outstanding amount
of  the  loan,  which  we  refer  to  as  the  collateral  maintenance  or  loan  to  value  ratio.  In  addition,  certain  of  our  credit  facilities  include  other  financial
covenants, which require us to, among other things, maintain:

a consolidated leverage ratio of not more than 200%;
a consolidated debt service coverage ratio of not less than 120%;

•
•
• Minimum consolidated net worth of $45 million plus, with respect to any vessel purchased or leased by the Guarantor or its subsidiaries, for so

long as such vessels are legally or economically owned, 25% of the purchase price or (finance) lease amount of such vessels;
consolidated minimum liquidity of not less than $18 million.

•

In general, the operating restrictions that are contained in our credit facilities may prohibit or otherwise limit our ability to, among other things:

effect changes in management of our vessels;
sell or dispose of any of our assets, including our vessels;
declare and pay dividends;
incur additional indebtedness;

•
•
•
•
• mortgage our vessels; and
•

incur and pay management fees or commissions.

Non-compliance with any of our financial covenants or operating restrictions contained in our credit facilities may constitute an event of default under our
credit facilities, which, unless cured within the grace period set forth under the applicable credit facility, if applicable, or waived or modified by our lenders,
provides our lenders with the right to, among other things, require us to post additional collateral, enhance our equity and liquidity, increase our interest
payments,  pay  down  our  indebtedness  to  a  level  where  we  are  in  compliance,  sell  vessels  in  our  fleet,  reclassify  our  indebtedness  as  current  liabilities,
accelerate  our  indebtedness,  or  foreclose  their  liens  on  our  vessels  and  the  other  assets  securing  the  credit  facilities,  which  would  impair  our  ability  to
continue  to  conduct  our  business.  As  of  December  31,  2023,  we  are  in  compliance  with  covenants  contained  in  our  debt  agreements.  Please  read
“Management’s Discussion and Analysis of Financial Condition and Results of Operations - Liquidity and Capital Resources - Borrowing Activities.”

Furthermore, certain of our credit facilities contain a cross-default provision that may be triggered by a default under one of our other credit facilities. A
cross-default provision means that a default on one loan would result in a default on certain other loans. Because of the presence of cross-default provisions
in  certain  of  our  credit  facilities,  the  refusal  of  any  one  lender  under  our  credit  facilities  to  grant  or  extend  a  waiver  could  result  in  certain  of  our
indebtedness being accelerated. If our secured indebtedness is accelerated in full or in part, it would be very difficult in the current financing environment
for us to refinance our debt or obtain additional financing and we could lose our vessels and other assets securing our credit facilities if our lenders foreclose
their liens, which would adversely affect our ability to conduct our business.

We may be unable to effectively manage our growth strategy.

One of our principal business strategies is to continue to expand capacity and flexibility by increasing our owned fleet as we secure additional demand for
our services. Our growth strategy will depend upon a number of factors, some of which may not be within our control. These factors include our ability to:

•

enter into new contracts for the transportation of cargoes;

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•
•
•
•

•
•
•
•

develop customized logistics solutions within targeted dry bulk trades;
locate and acquire suitable vessels for acquisitions at attractive prices;
obtain required financing for our existing and new operations;
integrate any acquired vessels successfully with our existing operations, including obtaining any approvals and qualifications necessary to operate
vessels that we acquire;
enhance our customer base;
hire, train and retain qualified personnel and crew to manage and operate our growing business and fleet;
identify additional new markets; and
improve our operating, financial and accounting systems and controls.

We may undertake future financings to finance our growth. Our failure to effectively identify, purchase, develop and integrate any vessels could adversely
affect  our  business,  financial  condition  and  results  of  operations.  The  number  of  employees  that  perform  services  for  us  and  our  current  operating  and
financial systems may not be adequate as we implement our plan to expand the size of our fleet, and we may not be able to effectively hire more employees
or adequately improve those systems. Finally, acquisitions may require additional equity issuances or debt issuances (with amortization payments), both of
which could lower our available cash. If any such events occur, our financial condition may be adversely affected.

Growing any business presents numerous risks such as difficulty in obtaining additional qualified personnel and managing relationships with customers and
suppliers. The expansion of our fleet may impose significant additional responsibilities on our management and staff, and may necessitate that we increase
the  number  of  personnel.  We  cannot  give  any  assurance  that  we  will  be  successful  in  executing  our  growth  plans  or  that  we  will  not  incur  significant
expenses and losses in connection with our future growth.

Investment in forward freight agreements and other derivative instruments could result in losses.

We manage our market exposure using forward freight agreements, or FFAs, and other derivative instruments, such as bunker hedging contracts. FFAs are
cash-settled  derivative  contracts  based  on  future  freight  delivery  rates  and  other  derivative  instruments.  FFAs  may  be  used  to  hedge  exposure  to  the
changing rates by providing for the purchase or sale of a contracted charter rate along a specified route or combination of routes and over a specified period
of time. Upon settlement, if the contracted charter rate is less than the settlement rate, the seller of the FFA is required to pay the buyer an amount equal to
the difference between the contracted rate and the settlement rate, multiplied by the number of days in the specified period. Conversely, if the contracted rate
is greater than the settlement rate, the buyer is required to pay the seller the settlement sum. If we take positions in FFAs and do not correctly anticipate rate
movements  for  the  specified  vessel  route  or  routes  and  relevant  time  period  or  our  assumptions  regarding  the  relative  relationships  of  certain  vessels’
earnings,  routes  and  other  factors  relevant  to  the  FFA  markets  are  incorrect,  we  could  suffer  losses  in  settling  or  terminating  our  FFAs.  In  addition,  we
normally do not designate our FFAs for special hedge accounting and, as such, our use of such derivatives may lead to material fluctuations in our results of
operations.

We also seek to manage our exposure to volatility in the market price of bunkers by entering into bunker hedging contracts. There can be no assurance that
we  will  be  able  to  successfully  limit  our  risks,  leaving  us  exposed  to  unprofitable  contracts  and  we  may  suffer  significant  losses  from  these  hedging
activities.

Our long-term COAs, single charter bookings and time-charter agreements may result in significant fluctuations in our quarterly results, which may
adversely affect our liquidity, as well as our ability to satisfy our financial obligations.

As part of our business strategy, we enter into long-term COAs, single charter bookings and time-charter agreements. We evaluate entering into long-term
positions based on the expected return over the full term of the contract. However, long-term contracts that we believe provide attractive returns over their
full  term  may  produce  losses  over  portions  of  the  contract  period.  We  may  be  required  to  provide  additional  margin  collateral  in  connection  with  FFA
positions that are settled through clearinghouses, depending upon movements in the FFA markets. These interim losses, fluctuations in our quarterly results
or incremental collateral requirements may adversely affect our financial liquidity, as well as our ability to satisfy our financial obligations.

We depend on COAs, which could require us to operate at unfavorable rates for a certain amount of time or subject us to other operating risks.

A significant portion of our revenues are derived from COAs. While COAs provide a relatively stable and predictable source of revenue, they typically fix
the rate we are paid for our drybulk shipping services. Once we have entered into a COA, if we have not correctly anticipated vessel rates, location and
availability for our owned or chartered-in fleet to fulfill the COA, we could

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suffer losses. Moreover, factors beyond our control may cause a COA to become unprofitable. Nevertheless, we would be obligated to continue to perform
for  the  term  of  the  COA.  In  addition,  factors  beyond  our  control,  such  as  vessel  availability,  port  delays,  changes  in  government  or  industry  rules  or
regulation, industrial actions or acts of terrorism or war, could affect our ability to perform our obligations under our COAs, which could result in breach of
contract or other claims by our COA counterparties. Any of these occurrences could have a material adverse effect on our business, financial condition and
results of operations and financial condition.

We are a “smaller reporting company” and an "accelerated filer" and we cannot be certain if the reduced disclosure requirements applicable to smaller
reporting companies will make our common shares less attractive to investors.

We  are  a  “smaller  reporting  company,”  as  defined  in  the  Securities  Act  of  1934,  and  may  choose  to  rely  on  scaled  disclosure  requirements  available  to
smaller  reporting  companies.  On  June  28,  2018,  the  Commission  adopted  amendments  to  the  definition  of  “smaller  reporting  company”  that  became
effective on September 10, 2018. Under the new definition, generally, a company qualifies as a “smaller reporting company” if it has public float of less
than $250 million; or it has less than $100 million in annual revenues and no public float or public float of less than $700 million.

The scaled disclosure requirements for smaller reporting companies permit us to include less extensive narrative disclosure than required of other reporting
companies, particularly in the description of executive compensation and to provide audited financial statements for two fiscal years, in contrast to other
reporting companies, which must provide audited financial statements for three fiscal years.

Investors  may  find  our  common  shares  and  the  price  of  our  common  shares  less  attractive  because  we  rely,  or  may  rely,  on  these  exemptions.  If  some
investors find our common shares less attractive as a result, there may be a less active trading market for our common shares and the price of our common
shares may be more volatile.

Obligations associated with being a public company require significant company resources and management attention, and we incur increased costs as
a result of being a public company.

We are subject to the reporting requirements of the Securities Exchange Act of 1934, as amended, or the Exchange Act, and the rules and regulations of the
SEC, including Sarbanes-Oxley, and requirements of the NASDAQ Global Select Market. These requirements and rules may place a strain on our systems
and resources. For example, the Exchange Act requires that we file annual, quarterly and current reports with respect to our business and financial condition
and  Sarbanes-Oxley  requires  that  we  document  and  maintain  effective  disclosure  controls  and  procedures  and  internal  control  over  financial  reporting.
These  reporting  and  other  obligations  place  significant  demands  on  our  management,  administrative,  operational  and  accounting  resources  and  we  incur
significant legal, accounting and other expenses as a result. The expenses incurred by public companies, generally, for reporting and corporate governance
purposes have been increasing and the costs we incur for such purposes may strain our resources. We may implement additional financial and management
controls  and  procedures,  reporting  and  business  intelligence  systems,  create  or  outsource  an  internal  audit  function,  or  hire  additional  accounting  and
finance  staff.  If  we  are  unable  to  accomplish  these  objectives  in  a  timely  and  effective  fashion,  our  ability  to  comply  with  the  financial  reporting
requirements  and  other  rules  that  apply  to  reporting  companies  could  be  impaired.  In  addition,  our  limited  management  resources  may  exacerbate  the
difficulties  in  complying  with  these  reporting  and  other  requirements  while  focusing  on  executing  our  business  strategy.  Our  incremental  general  and
administrative  expenses  as  a  publicly  traded  corporation  include  costs  associated  with  preparing  reports  to  shareholders,  tax  returns,  investor  relations,
registrar  and  transfer  agent’s  fees,  incremental  director  and  officer  liability  insurance  costs  and  director  compensation.  Any  failure  to  maintain  effective
internal  control  over  financial  reporting  could  have  a  material  adverse  effect  on  our  business,  prospects,  liquidity,  results  of  operations  and  financial
condition.  Furthermore,  if  we  are  unable  to  satisfy  our  obligations  as  a  public  company,  we  could  be  subject  to  delisting  of  our  common  shares,  fines,
sanctions and other regulatory action.

A  failure  to  pass  inspection  by  classification  societies  could  result  in  vessels  being  unemployable  until  they  pass  inspection,  resulting  in  a  loss  of
revenues from such vessels for that period.

The  hull  and  machinery  of  every  commercial  vessel  must  be  classed  by  a  classification  society  authorized  by  its  country  of  registry.  The  classification
society certifies that a vessel is safe and seaworthy in accordance with the applicable rules and regulations of the country of registry of the vessel and the
United Nations Safety of Life at Sea Convention. Our owned fleet is currently enrolled with DNV GL Group (DNV), and Nippon Kaiji Kyokai (NK).

A vessel must undergo annual surveys, intermediate surveys and special surveys. In lieu of a special survey, a vessel’s machinery may be on a continuous
survey cycle, under which the machinery would be surveyed periodically over a five-year

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period.  Our  vessels  are  on  special  survey  cycles  for  hull  inspection  and  continuous  survey  cycles  for  machinery  inspection.  Every  vessel  must  undergo
regulatory surveys of its underwater parts every 30 to 60 months.

If  a  vessel  fails  any  annual  survey,  intermediate  survey  or  special  survey,  the  vessel  may  be  unable  to  trade  between  ports  and,  therefore,  would  be
unemployable, potentially causing a negative impact on our revenues due to the loss of revenues from such vessel until it was able to trade again.

Because we purchase and operate secondhand vessels, we may be exposed to increased operating costs which could adversely affect our earnings and,
as our fleet ages, the risks associated with older vessels could adversely affect our ability to obtain profitable charters.

As part of our current business strategy to increase our owned fleet, we may acquire new and secondhand vessels. While we rigorously inspect previously
owned  or  secondhand  vessels  prior  to  purchase,  this  does  not  provide  us  with  the  same  knowledge  about  their  condition  and  cost  of  any  required  (or
anticipated) repairs that we would have had if these vessels had been built for and operated exclusively by us. Accordingly, we may not discover defects or
other problems with secondhand vessels prior to purchasing or chartering-in, or may incur costs to terminate a purchase agreement. Any such hidden defects
or problems may require us to put a vessel into drydock, which would reduce our fleet utilization and increase our operating costs. If a hidden defect or
problem is not detected, it may result in accidents or other incidents for which we may become liable to third parties.

In general, the costs to maintain a vessel in good operating condition increase with the age of the vessel. Older vessels are typically less fuel-efficient than
more recently constructed vessels due to improvements in engine technology. Cargo insurance rates increase with the age of a vessel, making older vessels
less desirable to charterers.

Furthermore, governmental regulations, safety or other equipment standards related to the age of vessels may require expenditures for alterations, or the
addition of new equipment and may restrict the type of activities in which the vessel may engage. As our vessels age, market conditions may not justify
those expenditures or enable us to operate our vessels profitably during the remainder of their useful lives.

Unless we set aside reserves or are able to borrow funds for vessel replacement, we will be unable to replace the vessels in our fleet at the end of their
useful lives.

We estimate the useful life of our vessels to be 25 or 30 years from the date of initial delivery from the shipyard. The remaining estimated useful lives of our
vessels  range  from  11  to  23  years,  depending  on  the  age  and  type  of  vessel.  The  average  age  of  our  owned  drybulk  carriers  at  the  time  of  this  filing  is
approximately 10 years. A portion of our cash flows and income are dependent on the revenues earned by employing our vessels. If we are unable to replace
the vessels in our fleet at the end of their useful lives, our business, results of operations, financial condition and ability to pay dividends could be materially
and adversely affected. We currently do not maintain reserves for vessel replacements. We intend to finance vessel replacements from internally generated
cash flow, borrowings under our credit facilities or additional equity or debt offerings.

Our ability to obtain additional debt financing, or to refinance existing indebtedness, may be dependent on the performance and length of our COAs
and charters, and the creditworthiness of our contract counterparties.

The performance and length of our COAs and charters and the actual or perceived credit quality of our contract counterparties, and any defaults by them,
may materially affect our ability to obtain the additional capital resources required to purchase additional vessels or may significantly increase our costs of
obtaining  such  capital.  Our  inability  to  obtain  additional  financing  on  acceptable  terms  or  at  all  may  materially  affect  our  results  of  operations  and  our
ability to implement our business strategy.

We have and may continue to partially finance the acquisition of vessels with borrowings drawn under credit facilities or finance lease obligations. While
we may refinance amounts drawn under our credit facilities with the net proceeds of future debt and equity offerings, we cannot assure you that we will be
able to do so at interest rates and on terms that are acceptable to us or at all. If we are not able to refinance these amounts with the net proceeds of debt and
equity offerings at an interest rate or on terms acceptable to us or at all, we will have to dedicate a larger portion of our cash flow from operations to pay the
principal  and  interest  of  this  indebtedness.  If  we  are  not  able  to  satisfy  these  obligations,  we  may  have  to  undertake  alternative  financing  plans  or  sell
vessels. The actual or perceived credit quality of our contract counterparties, any defaults by them and the market value of our fleet, among other things,
may materially affect our ability to obtain alternative financing. In addition, debt service payments under our credit facilities, finance lease obligations or
alternative financing may limit funds otherwise available for working capital, capital expenditures, the payment of dividends and other purposes. If we are
unable to meet our debt obligations, or if we otherwise default under our credit facilities or alternative financing arrangements, our lenders could declare the
debt, together with accrued interest and fees, to be immediately due and payable and foreclose on our fleet, which

53

could result in the acceleration of other indebtedness that we may have at such time and the commencement of similar foreclosure proceedings by other
lenders.

We  depend  on  our  Chief  Executive  Officer,  Chief  Operating  Officer,  Chief  Financial  Officer  and  other  key  employees,  and  the  loss  of  their  services
would have a material adverse effect on our business, results and financial condition.

We depend on the efforts, knowledge, skill, reputations and business contacts of our Chief Executive Officer, Mark Filanowski, our Chief Financial Officer,
Gianni Del Signore, our Chief Operating Officer, Mads Boye Petersen and other key employees. Accordingly, our success will depend on the continued
service of these individuals. We do not have employment agreements with our executive officers or employees. We may experience departures of senior
executive officers and other key employees, and we cannot predict the impact that any of their departures would have on our ability to achieve our financial
objectives. The loss of the services of any of them could have a material adverse effect on our business, results of operations and financial condition.

Exposure to currency exchange rate fluctuations will result in fluctuations in our cash flows and operating results.

We may generate our revenues and incur some of our operating expenses and general and administrative expenses in currencies other than the U.S. dollar.
This  difference  could  lead  to  fluctuations  in  our  revenues  and  vessel  operating  expenses,  which  would  affect  our  financial  results.  Expenses  incurred  in
foreign currencies increase when the value of the U.S. dollar falls, which would reduce our profitability. Our operating results could suffer as a result.

We may be subject to litigation, arbitration and other proceedings that could have an adverse effect on our business

We may be, from time to time, involved in various litigation matters arising in the ordinary course of business, or otherwise. These matters may include,
among  other  things,  contract  disputes,  personal  injury  claims,  environmental  matters,  governmental  claims  for  taxes  or  duties,  securities,  or  maritime
matters. The potential costs to resolve any claim or other litigation matter, or a combination of these, may have a material adverse effect on us because of
potential negative outcomes, the costs associated with asserting our claims or defending such lawsuits, and the diversion of management's attention to these
matters.

United  States  tax  authorities  could  treat  us  as  a  “passive  foreign  investment  company,”  which  could  have  adverse  United  States  federal  income  tax
consequences to U.S. holders

A foreign corporation will be treated as a “passive foreign investment company,” or a PFIC, for United States federal income tax purposes if either (1) at
least 75% of its gross income for any taxable year consists of certain types of “passive income” or (2) at least 50% of the average value of the corporation's
assets produce or are held for the production of those types of “passive income.” For purposes of these tests, “passive income” includes dividends, interest,
and gains from the sale or exchange of investment property and rents and royalties other than rents and royalties which are received from unrelated parties
in  connection  with  the  active  conduct  of  a  trade  or  business.  For  purposes  of  these  tests,  income  derived  from  the  performance  of  services  does  not
constitute “passive income.” United States shareholders of a PFIC are subject to a disadvantageous United States federal income tax regime with respect to
the income derived by the PFIC, the distributions they receive from the PFIC and the gain, if any, they derive from the sale or other disposition of their
shares in the PFIC.

Based on our proposed method of operation, we do not expect that we will be a PFIC with respect to any taxable year. In this regard, we intend to treat the
gross income we derive or are deemed to derive from our time chartering activities as services income, rather than rental income. Accordingly, we believe
that our income from our time chartering activities does not constitute “passive income,” and the assets that we own and operate in connection with the
production of that income do not constitute assets that produce, or are held for the production of, passive income for purposes of determining whether the
Company is a PFIC.

There is, however, no direct legal authority under the PFIC rules addressing our proposed characterization of income for United States federal income tax
purposes. Accordingly, in the absence of any legal authority specifically relating to the United States Internal Revenue Code of 1986, as amended, or the
“Code,” provisions governing PFICs, the IRS or a court could disagree with our position. Moreover, although we intend to conduct our operations in such a
manner as to avoid being classified as a PFIC, there can be no assurance that we would not constitute a PFIC for any future taxable year if there were to be
changes in the nature and extent of our operations.

If  the  IRS  were  to  find  that  we  are  or  have  been  a  PFIC  for  any  taxable  year,  our  United  States  shareholders  will  face  adverse  United  States  tax
consequences.  Under  the  PFIC  rules,  unless  those  shareholders  make  an  election  available  under  the  Code  (which  election  could  itself  have  adverse
consequences for such shareholders, such shareholders would be liable to pay United

54

States federal income tax at the then prevailing income tax rates on ordinary income plus interest upon excess distributions and upon any gain from the
disposition of our common shares, as if the excess distribution or gain had been recognized ratably over the shareholder’s holding period of our common
shares.

Based on our current and expected composition of assets and income, it is not anticipated that we will be treated as a PFIC. Actual PFIC status for any
taxable year, however, will not be determinable until after the end of such taxable year. Accordingly, there can be no assurances regarding our status as a
PFIC  for  the  current  taxable  year  or  any  future  taxable  year.  United  States  Shareholders  are  urged  to  consult  with  their  own  tax  advisors  regarding  the
possible application of the PFIC rules.

We may have to pay tax on United States source income, which would reduce our earnings.

Under sections 863(c)(3) and 887(a) of the Code, 50% of the gross shipping income of a vessel owning or chartering corporation, such as ourselves and our
subsidiaries, that is attributable to transportation that begins or ends, but that does not both begin and end, in the United States may be subject to a 4%
United States federal income tax without allowance for deduction, unless that corporation qualifies for exemption from tax under section 883 of the Code
and the applicable Treasury Regulations promulgated thereunder.

If we or our subsidiaries are not entitled to exemption under section 883 for any taxable year, we or our subsidiaries could be subject for those years to an
effective 2% United States federal income tax on the shipping income these companies derive during the year that are attributable to the transport of cargoes
to or from the United States. The imposition of this taxation would have a negative effect on our business and would result in decreased earnings available
for distribution to our shareholders.

Changes in tax laws and unanticipated tax liabilities could materially and adversely affect the taxes we pay, results of operations and financial results.

We are subject to income and other taxes in the United States and foreign jurisdictions, and our results of operations and financial results may be affected by
tax and other initiatives around the world. For instance, there is a high level of uncertainty in today’s tax environment stemming from global initiatives put
forth by the Organisation for Economic Co-operation and Development’s (“OECD”) two-pillar base erosion and profit shifting project. In October 2021,
members of the OECD put forth two proposals: (i) Pillar One reallocates profit to the market jurisdictions where sales arise versus physical presence; and
(ii) Pillar Two compels multinational corporations with €750 million or more in annual revenue to pay a global minimum tax of 15% on income received in
each  country  in  which  they  operate.  The  reforms  aim  to  level  the  playing  field  between  countries  by  discouraging  them  from  reducing  their  corporate
income taxes to attract foreign business investment. Over 140 countries agreed to enact the two-pillar solution to address the challenges arising from the
digitalization  of  the  economy  and,  in  2024,  these  guidelines  were  declared  effective  and  must  now  be  enacted  by  those  OECD  member  countries.  It  is
possible that these guidelines, including the global minimum corporate tax rate measure of 15%, could increase the burden and costs of our tax compliance,
the amount of taxes we incur in those jurisdictions and our global effective tax rate, which could have a material adverse impact on our results of operations
and financial results.

Information  technology  failures  and  data  security  breaches,  including  as  a  result  of  cybersecurity  attacks,  could  negatively  impact  our  results  of
operations and financial condition, subject us to increased operating costs, and expose us to litigation.

We rely on our computer systems and network infrastructure across our operations, including on our vessels. The safety and security of our vessels and
efficient operation of our business, including processing, transmitting and storing electronic and financial information, are dependent on computer hardware
and  software  systems.  Our  vessels  rely  on  information  systems  for  a  significant  part  of  their  operations,  including  navigation,  provision  of  services,
propulsion, machinery management, power control, communications and cargo management. Despite our implementation of security and back-up measures,
all of our technology systems are vulnerable to damage, disability or failures due to physical theft, fire, power loss, telecommunications failure, operational
error, or other catastrophic events. Our technology systems are also subject to cybersecurity attacks including malware, other malicious software, phishing
email attacks, attempts to gain unauthorized access to our data, the unauthorized release, corruption or loss of our data, loss or damage to our data delivery
systems, and other electronic security breaches. In addition, as we continue to grow the volume of transactions in our businesses, our existing IT systems
infrastructure, applications and related functionality may be unable to effectively support a larger scale operation, which can cause the information being
processed to be unreliable and impact our decision-making or damage our reputation with customers.

Despite our efforts to ensure the integrity of our systems and prevent future cybersecurity attacks, it is possible that our business, financial and other systems
could be compromised, especially because such attacks can originate from a wide variety

55

of  sources  including  persons  involved  in  organized  crime  or  associated  with  external  service  providers.  Those  parties  may  also  attempt  to  fraudulently
induce employees, customers or other users of our systems to disclose sensitive information in order to gain access to our data or use electronic means to
induce  the  company  to  enter  into  fraudulent  transactions.  A  successful  cyber-attack  could  materially  disrupt  our  operations,  including  the  safety  of  our
vessel operations. Past and future occurrences of such attacks could damage our reputation and our ability to conduct our business, impact our credit and
risk exposure decisions, cause us to lose customers or revenues, subject us to litigation and require us to incur significant expense to address and remediate
or otherwise resolve these issues, which could have a material adverse effect on our business, financial condition, results of operations and cash flows.

Further, data protection laws apply to us in certain countries in which we do business. Specifically, the EU General Data Protection Regulation, or GDPR,
which was applicable beginning May 2018, increases penalties up to a maximum of 4% of global annual turnover for breach of the regulation. The GDPR
requires mandatory breach notification, the standard for which is also followed outside the EU (particularly in Asia). Non-compliance with data protection
laws could expose us to regulatory investigations, which could result in fines and penalties. In addition to imposing fines, regulators may also issue orders to
stop processing personal data, which could disrupt operations. We could also be subject to litigation from persons or corporations allegedly affected by data
protection violations. Violation of data protection laws is a criminal offense in some countries, and individuals can be imprisoned or fined. Any violation of
these laws or harm to our reputation could have a material adverse effect on our earnings, cash flows and financial condition.

Moreover, our risk of cyber-attack and other sources of security breaches and incidents may be elevated as a result of the ongoing conflicts between Russia
and Ukraine and the Israel-Hamas conflict. To the extent such attacks have collateral effects on global critical infrastructure or financial institutions, such
developments could adversely affect our business, operating results and financial condition. At this time, it is difficult to assess the likelihood of such threat
and any potential impact.

Further,  in  July  2023,  the  SEC  adopted  amendments  to  its  rules  on  cybersecurity  risk  management,  strategy,  governance,  and  incident  disclosure.  The
amendments  require  us  to  report  material  cybersecurity  incidents  involving  our  information  systems  and  periodic  reporting  regarding  our  policies  and
procedures to identify and manage cybersecurity risks, amongst other disclosures.

Risks Related To Our Common Shares

Future sales of our common shares could cause the market price of our common shares to decline.

The  market  price  of  our  common  shares  could  decline  due  to  sales  of  a  large  number  of  shares  in  the  market,  including  sales  of  shares  by  our  large
shareholders, or the perception that these sales could occur. These sales could also make it more difficult or impossible for us to sell equity securities in the
future at a time and price that we deem appropriate to raise funds through future offerings of common shares.

We may need to raise additional capital in the future, which may not be available on favorable terms or at all or which may dilute our common shares
or adversely affect its market price.

We  may  require  additional  capital  to  expand  our  business  and  increase  revenues,  add  liquidity  in  response  to  negative  economic  conditions,  meet
unexpected liquidity needs caused by industry volatility or uncertainty and reduce our outstanding indebtedness under our existing facilities. To the extent
that our existing capital and borrowing capabilities are insufficient to meet these requirements and cover any losses, we will need to raise additional funds
through  debt  or  equity  financings,  including  offerings  of  our  common  shares,  securities  convertible  into  our  common  shares,  or  rights  to  acquire  our
common shares, or curtail our growth and reduce our assets or restructure arrangements with existing security holders. Any equity or debt financing, or
additional borrowings, if available at all, may be on terms that are not favorable to us. Equity financings could result in dilution to our shareholders, as
described further below, and the securities issued in future financings may have rights, preferences and privileges that are senior to those of our common
shares. If our need for capital arises because of significant losses, the occurrence of these losses may make it more difficult for us to raise the necessary
capital. If we cannot raise funds on acceptable terms if and when needed, we may not be able to take advantage of future opportunities, grow our business or
respond to competitive pressures or unanticipated requirements.

Future issuances of our common shares could dilute our shareholders’ interests in our company.

We may, from time to time, issue additional common shares to support our growth strategy, reduce debt or provide us with capital for other purposes that
our Board of Directors believes to be in our best interest. To the extent that an existing shareholder does not purchase additional shares that we issue, that
shareholder’s interest in our company will be diluted, which

56

means that its percentage of ownership in our company will be reduced. Following such a reduction, that shareholder’s common shares would represent a
smaller percentage of the vote in our Board of Directors’ elections and other shareholder decisions.

Volatility in the market price and trading volume of our common shares could adversely impact the trading price of our common shares.

The  stock  market  in  recent  years  has  experienced  significant  price  and  volume  fluctuations  that  have  often  been  unrelated  or  disproportionate  to  the
operating performance of companies like us. These broad market factors may materially reduce the market price of our common shares, regardless of our
operating  performance.  The  market  price  of  our  common  shares,  which  has  experienced  significant  price  fluctuations  in  the  past  twelve  months,  could
continue to fluctuate significantly for many reasons, including in response to the risks described herein or for reasons unrelated to our operations, such as
reports by industry analysts, investor perceptions or negative announcements by our competitors or suppliers regarding their own performance, as well as
industry conditions and general financial, economic and political instability.

Classified Board of Directors.

Our Board of Directors is divided into three classes serving staggered, three-year terms. This classified board provision could discourage a third party from
making a tender offer for our shares or attempting to obtain control of us. It could also delay shareholders who do not agree with the policies of our Board of
Directors from removing a majority of our Board of Directors for up to two years.

We are incorporated in Bermuda and it may not be possible for our investors to enforce U.S. judgments against us.

We are incorporated in Bermuda and substantially all of our assets are located outside the United States. In addition, one of our directors is a non-resident of
the United States, and all or a substantial portion of such director’s assets are located outside the United States. As a result, it may be difficult or impossible
for U.S. investors to serve process within the United States, upon us or our directors and executive officers, or to enforce a judgment against us for civil
liabilities in United States courts.

In addition, you should not assume that courts in the countries in which we are incorporated or where our assets are located would enforce judgments of
United States courts obtained in actions against us based upon the civil liability provisions of applicable United States federal and state securities laws or
would enforce, in original actions, liabilities against us based on those laws.

Because we are a foreign corporation, you may not have the same rights that a shareholder in a U.S. corporation may have.

We are a Bermuda exempted company. Our memorandum of association and bye-laws and the Companies Act, 1981 of Bermuda, or the Companies Act,
govern our affairs. The Companies Act does not as clearly establish your rights and the fiduciary responsibilities of our directors as do statutes and judicial
precedent in some United States jurisdictions. Therefore, you may have more difficulty in protecting your interests as a shareholder in the face of actions by
the  management,  directors  or  controlling  shareholders  than  would  shareholders  of  a  corporation  incorporated  in  a  United  States  jurisdiction.  There  is  a
statutory remedy under Section 111 of the Companies Act which provides that a shareholder may seek redress in the courts as long as such shareholder can
establish that our affairs are being conducted, or have been conducted, in a manner oppressive or prejudicial to the interests of some part of the shareholders,
including such shareholder. However, you may not have the same rights that a shareholder in a United States corporation may have.

ITEM 1B. UNRESOLVED STAFF COMMENTS

Not applicable.

ITEM 1C. CYBERSECURITY

Our  Board  of  Directors  oversees  our  risk  management  process,  including  risks  from  cybersecurity  threats.  Our  Board  of  Directors  reviews  strategic  risk
exposure,  and  members  of  our  management  are  responsible  for  addressing  the  material  risks  we  face  on  a  day-to-day  basis.  Our  Board  of  Directors
administers  its  cybersecurity  risk  oversight  function  directly  as  a  whole  as  well  as  through  our  Audit  Committee.  Our  Board  and  our  Audit  Committee
receive updates from time to time from our management as appropriate on cybersecurity.

57

 
 
Our Chief Financial Officer and our Information Technology department are primarily responsible to assess and manage material risks from cybersecurity
threats  and  oversee  key  cybersecurity  policies  and  processes.  They  are  informed  about  policies  and  processes  to  monitor  the  prevention,  detection,
mitigation, and remediation of cybersecurity incidents. Our Global IT Director has 20 years of experience in the design, implementation, and support of
information technology infrastructures.

Network and information systems and other technologies play an important role in our business activities. We also obtain certain confidential, proprietary
and personal information about our charterers, personnel, and vendors. To protect our data, we have employed cybersecurity protocols which are designed to
work in tandem with internal controls to safeguard our information technology environment. Our information technology infrastructure is designed with
commercial  flexibility,  data  integrity,  and  safety  in  mind.  We  utilize  a  layered  approach  of  systems  and  policies  intended  to  provide  a  secure  operating
environment  and  promote  business  continuity.  Our  hardware  and  software  systems  are  equipped  with  technology  intended  to  offer  access  and  intrusion
protection, software and communications systems protections, and mitigate cybersecurity threats.

We  have  established  policies  and  processes  for  assessing,  identifying,  and  managing  material  risk  from  cybersecurity  threats,  and  have  integrated  these
processes into our overall risk management systems and processes. We routinely assess material risks from cybersecurity threats, including any potential
unauthorized occurrence on or conducted through our information systems that may result in adverse effects on the confidentiality, integrity, or availability
of our information systems or any information maintained in them.

We utilize industry standard software packages such as RSA and Cisco Firepower to secure our networks. We conduct regular risk assessments to identify
cybersecurity threats. These risk assessments include identifying reasonably foreseeable potential internal and external risks, the likelihood of occurrence
and any potential damage that could result from such risks, and the sufficiency of existing policies, procedures, systems, controls, and other safeguards in
place to manage such risks. As part of our risk management process, we may engage third party experts to help identify and assess risks from cybersecurity
threats.  For  example,  we  perform  penetration  tests,  data  recovery  testing,  security  audits  and  risk  assessments  throughout  the  year.  We  hold  online
cybersecurity training for our employees. Our risk management process also encompasses cybersecurity risks associated with our use of third-party service
providers.  Following  these  risk  assessments,  we  design,  implement,  and  maintain  safeguards  intended  to  minimize  the  identified  risks;  address  any
identified gaps in existing safeguards; update existing safeguards as necessary; and monitor the effectiveness of our safeguards.

While we develop and maintain protocols, controls, and systems, that seek to prevent cybersecurity incidents from occurring, we must constantly monitor
and  update  these  protocols,  controls,  and  systems  in  the  face  of  sophisticated  and  rapidly  evolving  attempts  to  overcome  them.  The  occurrence  of
cybersecurity incidents could cause a variety of material adverse impacts on our business, although no such incident has had any such impact to date. For
additional information regarding whether any risks from cybersecurity threats, including as a result of any previous cybersecurity incidents, have materially
affected or are reasonably likely to materially affect our company, including our business strategy, results of operations, or financial condition, please refer
to  Item  1A,  “Risk  Factors,”  in  this  report,  including  the  risk  factor  entitled  “Security  breaches  and  other  disruptions  to  our  information  technology
infrastructure  could  interfere  with  our  operations  and  expose  us  to  liability.”  and  Item  1,  “Business  –  Environmental  and  Other  Regulations  -  Safety
Management System Requirements” in this report.

 ITEM 2. PROPERTIES

Phoenix Bulk Carriers (US) LLC, the administrative agent for the Company, maintains office space at 109 Long Wharf, Newport, Rhode Island 02840. The
building  is  owned  by  109  Long  Wharf  LLC  (“Long  Wharf”),  a  wholly-owned  subsidiary  of  the  Company  since  September  1,  2014.  Long  Wharf  was
previously owned by certain of the Company’s Executive Officers and Directors. The Company leases office space in Copenhagen, Athens, Singapore and
Port Everglades.  

ITEM 3. LEGAL PROCEEDINGS

We have not been involved in any legal proceedings which we believe are likely to have, or have had a significant effect on our business, financial position,
results of operations or cash flows, nor are we aware of any proceedings that are pending or threatened which we believe are likely to have a significant
effect on our business, financial position, results of operations or liquidity. From time to time, we may be subject to legal proceedings and claims in the
ordinary course of business, principally personal injury and property casualty claims. We expect that these claims would be covered by insurance, subject to
customary deductibles. Those claims, even if lacking merit, could result in the expenditure of significant financial and managerial resources. 

ITEM 4. MINE SAFETY DISCLOSURES

58

 
Not applicable.

59

 
PART II

ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF
EQUITY SECURITIES

Market Information

Our common shares have been traded on The Nasdaq Capital Market under the symbol PANL since our common shares began public trading on October 3,
2014.The Company's internet address is www.pangaeals.com.

Holders of Record

As  of  the  close  of  business  on  March  14,  2024,  there  were  approximately  14  stockholders  of  record  of  our  common  stock.  The  actual  number  of
stockholders is greater than this number of record holders, and includes stockholders who are beneficial owners, but whose shares are held in street name by
brokers and other nominees. This number of holders of record also does not include stockholders whose shares may be held in trust by other entities.

Dividends 

Under our By-laws, our board of directors may declare dividends or distributions out of contributed surplus and may also pay interim dividends to be paid in
cash, shares of the Company’s stock or any combination thereof. Our board of directors’ objective is to generate competitive returns for our shareholders.
Any dividends declared will be in the sole discretion of the board of directors and will depend upon earnings, restrictions in our debt agreements described
later in this prospectus, market prospects, current capital expenditure programs and investment opportunities, the provisions of Bermuda law affecting the
payment of distributions to shareholders and other factors. Under Bermuda law, the board of directors has no discretion to declare or pay a dividend if there
are reasonable grounds for believing that the Company is, or would after the payment be, unable to pay its liabilities as they become due or the realizable
value of the Company’s assets would thereby be less than its liabilities.

In addition, since we are a holding company with no material assets other than the shares of our subsidiaries through which we conduct our operations, our
ability  to  pay  dividends  will  depend  on  our  subsidiaries’  distributing  to  us  their  earnings  and  cash  flows.  The  Company  paid  a  quarterly  cash  dividend
ranging from $0.035 to $0.10 per common share commencing in May 2019. We cannot assure you that we will be able to pay regular quarterly dividends,
and our ability to pay dividends will be subject to the limitations set forth above and in the section of this Form 10-K titled “Risk Factors.” The Company
has dividends payable of $1.1 million at December 31, 2023. On February 15, 2024, the Company's Board of Directors declared a quarterly cash dividend of
$0.10 per common share, to be paid on March 15, 2024, to all shareholders of record as of March 1, 2024.

Use of Proceeds

Not applicable

Purchases of Equity Securities by Issuer and Affiliates

Not applicable

Securities Authorized for Issuance Under Equity Compensation Plan

See Part III, Item 12 for information regarding securities authorized for issuance under our equity compensation plan.

 ITEM 6. SELECTED FINANCIAL DATA

60

 
 
 
 
 
 
 
 
 
(in thousands, except shipping days data)

Selected Data from the Consolidated Statements of Income
Voyage revenue
Charter revenue
Terminal & stevedore revenue

Total revenue
Voyage expense
Charter hire expense
Vessel operating expenses
Terminal Expenses

Total cost of transportation and service revenue
Vessel depreciation and amortization
Gross Profit
Other operating expenses
Loss on impairment of vessels
Loss on sale of vessels
Income from operations
Total other expense, net
Net income
Income attributable to noncontrolling interests

Net income attributable to Pangaea Logistics Solutions Ltd.

Net income from continuing operations per common share information
Basic income per share
Diluted income per share
Weighted-average common shares Outstanding - basic
Weighted-average common shares Outstanding - diluted
Cash dividends declared per share

Adjusted EBITDA 

(1)

(2)

Shipping Days 
Voyage days
Time charter days
Total shipping days

TCE Rates ($/day)

Selected Data from the Consolidated Balance Sheets
Cash and cash equivalents
Total assets
Total secured debt, including obligations under finance leases
Total shareholders' equity

Selected Data from the Consolidated Statements of Cash Flows
Net cash provided by operating activities
Net cash used in investing activities
Net cash used in by financing activities

61

As of and for the years ended December 31,

2023

2022

$

$

$
$

$

$

$
$
$
$

$
$
$

468,581  $
23,716 
6,971 
499,268 
227,435 
111,034 
55,784 
5,809 
400,061 
29,339 
69,868 
23,512 
— 
1,739 
44,617 
(16,079)
28,538 
(2,214)
26,323  $

0.59  $
0.58  $

44,774 
45,475 

0.40  $

640,034 
59,673 
— 
699,707 
262,089 
222,332 
56,859 
— 
541,280 
29,377 
129,050 
20,216 
3,008 
318 
105,508 
(20,000)
85,508 
(6,016)
79,490 

1.79 
1.76 
44,399 
45,060 
0.30 

79,724 

140,898 

14,922 
1,789 
16,711 

15,849  $

99,038  $
705,180  $
264,435  $
370,196  $

53,787  $
(15,982) $
(67,152) $

15,237 
2,478 
17,715 

24,434 

128,385 
748,241 
299,481 
368,722 

134,801 
(28,509)
(34,117)

 
 
 
 
 
 
 
Amounts in the table above have been calculated based on unrounded numbers. Accordingly, certain amounts may not appear to recalculate due to the effect of rounding.

(1)

(2)

Adjusted EBITDA represents operating earnings before interest expense, interest income, income taxes, depreciation and amortization, loss on sale of vessels, share-
based  compensation  and  other  non-operating  income  and/or  expense,  and  other  non-recurring  items,  if  any.  Adjusted  EBITDA  is  included  because  it  is  used  by
management and certain investors to measure operating performance and is also reviewed periodically as a measure of financial performance by Pangaea's Board of
Directors. Adjusted EBITDA is not an item recognized by the generally accepted accounting principles in the United States of America, or U.S. GAAP, and should not
be  considered  as  an  alternative  to  net  income,  operating  income,  or  any  other  indicator  of  a  company's  operating  performance  required  by  U.S.  GAAP.  Pangaea’s
definition of Adjusted EBITDA used here may not be comparable to the definition of EBITDA used by other companies.

Shipping days are defined as the aggregate number of days in a period during which its owned or chartered-in vessels are performing either a voyage charter (voyage
days) or time charter (time charter days).

The reconciliation of gross profit to net transportation and service revenue and income from operations to Adjusted EBITDA is as follows:

(in thousands)

(4)

Net Transportation and Service Revenue 
Gross Profit 
Add:
Vessel Depreciation and Amortization

(3)

Net transportation and service revenue

Adjusted EBITDA
Net Income

Interest expense, net
Depreciation and amortization

EBITDA

Loss on sale of vessel
Loss on impairment of vessels

Share-based compensation
Unrealized gain on derivative instruments, net
Other non-recurring items

Adjusted EBITDA

Years Ended December 31,
2022
2023

69,868  $

129,050 

29,339 
99,207  $

28,538  $
13,916 
30,070 
72,524  $
1,739 
— 
2,088 
2,925 
448 
79,724  $

29,377 
158,427 

85,508 
21,490 
29,490 
136,487 
318 
3,008 
1,768 
(682)
— 
140,898 

$

$

$

$

$

Amounts in the table above have been calculated based on unrounded numbers. Accordingly, certain amounts may not appear to recalculate due to the effect of rounding.

(3)

Net transportation and service revenue represents total revenue less the total direct costs of transportation and services, which includes charter hire, voyage and vessel
operating expenses, and terminal & stevedore expenses. Net transportation and service revenue is included because it is used by management and certain investors to
measure  performance  by  comparison  to  other  logistic  service  providers.  Net  transportation  and  service  revenue  is  not  an  item  recognized  by  the  generally  accepted
accounting principles in the United States of America, or U.S. GAAP, and should not be considered as an alternative to net income, operating income, or any other
indicator  of  a  company's  operating  performance  required  by  U.S.  GAAP.  Pangaea’s  definition  of  net  transportation  and  service  revenue  used  here  may  not  be
comparable to an operating measure used by other companies.

(4)

Gross profit represents total revenue less total cost of transportation and service revenue and less vessel depreciation and amortization.

62

 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

The following discussion should be read in conjunction with our consolidated financial statements and footnotes thereto contained in this report.

Forward Looking Statements

All statements other than statements of historical fact included in this Form 10-K including, without limitation, statements under “Management’s Discussion
and  Analysis  of  Financial  Condition  and  Results  of  Operations”  regarding  our  financial  position,  business  strategy  and  the  plans  and  objectives  of
management  for  future  operations,  are  forward  looking  statements.  When  used  in  this  Form  10-K,  words  such  as  “anticipate,”  “believe,”  “estimate,”
“expect,” “intend” and similar expressions, as they relate to us or our management, identify forward looking statements. Such forward looking statements
are  based  on  the  beliefs  of  management,  as  well  as  assumptions  made  by,  and  information  currently  available  to,  our  management.  Actual  results  could
differ materially from those contemplated by the forward looking statements as a result of the risk factors and other factors detailed in our filings with the
Securities  and  Exchange  Commission,  including  the  risk  factors  set  forth  in  Part  I,  Item  1A,  above.  All  subsequent  written  or  oral  forward  looking
statements attributable to us or persons acting on our behalf are qualified in their entirety by this paragraph.

Overview 

Critical Accounting Policies and Estimates

As discussed in Note 3, "Summary of Significant Accounting Policies," of our Financial Statements, which more fully describes our significant accounting
policies, the preparation of consolidated financial statements in accordance with U.S. GAAP requires us to exercise judgment in the process of applying our
accounting  policies.  It  also  requires  that  we  make  estimates  and  assumptions  about  future  events  that  affect  the  amounts  reported  in  the  consolidated
financial  statements  and  accompanying  notes.  The  accounting  policies  and  estimates  that  we  believe  are  most  critical  to  the  portrayal  of  our  financial
condition and results of operations are listed below. We believe these policies require the most difficult, subjective, and complex judgments in estimating the
effect of inherent uncertainties.

Revenue Recognition: Revenues are generated from time charters and voyage charters. Time charter revenues are recognized on a straight-line basis over
the term of the respective time charter agreements as service is provided. Voyage revenues represent revenues earned by the Company, principally from
providing transportation services under voyage charters. A voyage charter involves the carriage of a specific amount and type of cargo on a load port to
discharge  port  basis,  subject  to  various  cargo  handling  terms.  Under  a  voyage  charter,  the  service  revenues  are  earned  and  recognized  ratably  over  the
duration of the voyage. A contract is accounted for when it has approval and commitment from both parties, the rights and payment terms are identified, the
contract has commercial substance and collectability of consideration is probable.

Estimated losses under a voyage charter are provided for in full at the time such losses become probable. Demurrage, which is included in voyage revenues,
represents payments by the charterer to the vessel owner when loading and discharging time exceed the stipulated time in the voyage charter. Demurrage is
measured in accordance with the provisions of the respective charter agreements and the circumstances under which demurrage revenues arise. Demurrage
revenue  is  included  in  the  calculation  of  voyage  revenue  and  recognized  ratably  over  the  duration  of  the  voyage  to  which  it  pertains.  Voyage  revenue
recognized is presented net of address commissions.

Charter revenues relate to a time charter arrangement under which the Company is paid to provide transportation services on a per day basis for a specified
period of time. Revenues from time charters are earned and recognized on a straight-line basis over the term of the charter, as the charters do not fall under
the scope of ASC 606. Revenue is not earned when vessels are offhire.

Terminal & Stevedore Revenue. Terminal & Stevedore revenue is derived from inbound and outbound cargo handling services at ports which the Company
operates in. Gross revenue is earned typically based on a per-unit rate for volumes handled.

Long-lived Assets Impairment Considerations: The carrying values of the Company’s vessels may not represent their fair market value or the amount that
could be obtained by selling the vessel at any point in time because the market prices of second-hand vessels tend to fluctuate with changes in charter rates
and the pricing of new vessels, which tend to be cyclical. The carrying value of each group of vessels classified as held and used are reviewed for potential
impairment when events or changes in circumstances indicate that the carrying value of a particular group may not be fully recoverable. In such instances,
an

63

 
 
 
 
 
 
 
 
 
impairment charge would be recognized if the estimate of the undiscounted future cash flows expected to result from the use of the group and its eventual
disposition is less than its carrying value. This assessment is made at the assets group level, which represents the lowest level for which identifiable cash
flows are largely independent of other groups of assets. The asset groups established by the Company are defined by vessel size and major characteristic or
trade.

The significant factors and assumptions used in the undiscounted projected net operating cash flow analysis include the Company’s estimate of future time
charter equivalent "TCE" rates based on current rates under existing charters and contracts. When existing contracts expire, the Company uses an estimated
TCE based on actual results and extends these rates out to the end of the vessel’s useful life. TCE rates can be highly volatile, may affect the fair value of
the Company’s vessels and may have a significant impact on the Company’s ability to recover the carrying amount of its fleet. Accordingly, the volatility is
contemplated in the undiscounted projected net operating cash flow by using a sensitivity analysis based on percent changes in the TCE rates. The Company
prepares a series of scenarios in an attempt to capture the range of possible trends and outcomes. Projected net operating cash flows are net of brokerage and
address commissions and assume no revenue on scheduled offhire days. The Company uses the current vessel operating expense budget, estimated costs of
drydocking and historical general and administrative expenses as the basis for its expected outflows, and applies an inflation factor it considers appropriate.
The net of these inflows and outflows, plus an estimated salvage value, constitutes the projected undiscounted future cash flows. If these projected cash
flows do not exceed the carrying value of the asset group, an impairment charge would be calculated. Measurement of the impairment loss is based on the
fair value of the asset as provided by third parties.

In both the first and fourth quarters of 2023, the Company identified triggering events associated with the sale of vessels, where the carrying value exceeded
their  fair  value.  On  January  18,  2023,  the  Company  entered  into  a  memorandum  of  agreement  to  sell  the  m/v  Bulk  Newport  for  $8.9  million  in  net
consideration after brokerage commissions, resulting in a recorded loss on sale of $1.2 million in the first quarter of 2023. Similarly, on October 17, 2023,
the Company signed a memorandum of agreement to sell the m/v Bulk Trident for $9.5 million in net consideration after brokerage commissions, resulting
in a loss on sale of $0.6 million in the fourth quarter of 2023.

The  Company  conducted  an  impairment  analysis  on  each  asset  group  and  determined  that  the  estimated  undiscounted  future  cash  flows  exceeded  their
carrying amounts. Therefore, no additional loss on impairment was recognized. Also the Company concluded that no other triggering event had occurred
during the remaining period of the 2023 which would require impairment testing.

During the first quarter of 2022, the Company determined that a triggering event occurred related to the sale of a vessel, as the carrying value exceeded its
fair value. On April 20, 2022, the Company signed a memorandum of agreement to sell the m/v Bulk Pangaea for a total net consideration of $8.6 million
after brokerage commissions. As a result, we recorded an impairment charge of $3.0 million in the first quarter of 2022. The impairment analysis did not
indicate any impairment on the remaining fleet. Also the Company concluded that no triggering event had occurred during the remaining period of the 2022
which would require impairment testing.

64

The table set forth below indicates the purchase price of the Company’s vessels and the net carrying amount of each vessel as of December 31, 2023.

(In thousands of U.S. dollars)

Vessel Name

Date Acquired

Size

Year Build

Purchase Price

Net Carrying
Amount

m/v Bulk Endurance
m/v Bulk Destiny
m/v Bulk Prudence
m/v Bulk Courageous
m/v Nordic Oasis
m/v Nordic Olympic
m/v Nordic Odin
m/v Nordic Oshima
m/v Nordic Orion
m/v Nordic Odyssey
m/v Bulk Valor
m/v Bulk Friendship
m/v Bulk Sachuest
m/v Bulk Independence
m/v Bulk Pride
m/v Bulk Freedom
m/v Bulk Spirit
m/v Bulk Xaymaca
m/v Bulk Concord
m/v Bulk Promise
m/v Nordic Nuluujaak
m/v Nordic Qinngua
m/v Nordic Sanngijuq
m/v Nordic Siku
Miss Nora G. Pearl

Total

January 2017
January 2017
June 2023
April 2021
January 2016
February 2015
February 2015
September 2014
April 2012
April 2012
June 2021
September 2019
October 2022
May 2019
December 2017
June 2017
February 2019
August 2018
February 2022
July 2021
May 2021
June 2021
September 2021
November 2021
November 2017

UMX - 1C
UMX - 1C
UMX
UMX
PMX-1A
PMX-1A
PMX-1A
PMX-1A
PMX-1A
PMX-1A
SMX
SMX
SMX
SMX
SMX
SMX
SMX
PMX
PMX
PMX
Post Panamax 1A
Post Panamax 1A
Post Panamax 1A
Post Panamax 1A
Deck Barge

2017
2017
2014
2013
2016
2015
2015
2014
2011
2010
2013
2011
2010
2008
2008
2005
2009
2006
2009
2013
2021
2021
2021
2021
1979

$

$

28,000  $
24,000 
26,650 
16,798 
32,600 
32,600 
32,625 
33,709 
32,363 
32,691 
18,182 
14,447 
17,364 
14,393 
14,023 
9,016 
13,000 
14,010 
19,900 
18,633 
38,424 
38,471 
37,920 
37,935 
3,833 
601,586  $

21,859 
18,770 
26,534 
15,145 
24,854 
23,306 
23,412 
22,938 
19,790 
18,950 
16,434 
12,811 
16,487 
13,753 
11,194 
8,150 
12,970 
11,624 
18,966 
16,970 
36,088 
36,019 
35,623 
36,010 
1,821 
500,477 

Recent Accounting Pronouncements

On  of  January  1,  2023,  we  adopted  ASU  No.  2016-13,  "Financial  Instruments—Credit  Losses"  ("ASU  2016-13").  ASU  2016-13  amends  the  current
financial instrument impairment model by requiring entities to use a forward-looking approach based on expected losses to estimate credit losses on certain
types of financial instruments, including trade receivables. The adoption of the accounting standard did not have any material impact on our consolidated
financial statements.

In March 2020, the FASB issued ASU No. 2020-04, “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial
Reporting,”  which  provides  optional  expedients  and  exceptions  for  applying  generally  accepted  accounting  principles  (“GAAP”)  to  contracts,  hedging
relationships and other transactions that reference LIBOR or another reference rate expected to be discontinued because of reference rate reform. In January
2021, the FASB issued ASU No. 2021-01, “Reference Rate Reform (Topic 848): Scope,” which clarified that certain optional expedients and exceptions in
Topic 848 apply to derivatives that are affected by the discounting transition due to reference rate reform. In December 2022, the FASB issued ASU No.
2022-06, "Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848," which defers the sunset date of Topic 848 from December 31,
2022 to December 31, 2024, after which entities will no longer be permitted to apply the relief under Topic 848. The Company is currently evaluating the
impact that adopting this new accounting standard will have on its consolidated financial statements and related disclosures.

65

 
 
 
 
In  November  2023,  the  Financial  Accounting  Standards  Board  (“FASB”)  issued  Accounting  Standards  Update  (“ASU”)  2023-07,  Improvements  to
Reportable Segment Disclosures (“ASU 2023-07”), which amends the existing segment reporting guidance (ASC Topic 280 — Segment Reporting (“ASC
280”)) to improve reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses that are regularly
provided  to  the  chief  operating  decision  maker  (“CODM”)  and  included  within  each  reported  measure  of  segment  profit  or  loss,  an  amount  for  other
segment items by reportable segment and a description of its composition, the title and position of the CODM and an explanation of how the CODM uses
the reported measure(s) of segment profit or loss in assessing segment performance and deciding how to allocate resources. In addition, companies with a
single reporting segment will have to provide all of the disclosures required by ASC 280, including the significant segment expense disclosures.
The amendments in this update are effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after
December 15, 2024. Early adoption is permitted. The Company is currently evaluating the impact of our pending adoption of this standard on its financial
statement disclosures.

Important Financial and Operational Terms and Concepts

The Company uses a variety of financial and operational terms and concepts when analyzing its performance.

These include revenue recognition, deferred revenue, allowance for credit losses, vessels and depreciation and long-lived assets impairment considerations,
as defined above as well as the following:

Voyage Expenses. The Company incurs expenses for voyage charters, including bunkers (fuel), port charges, canal tolls, brokerage commissions and cargo
handling operations, which are expensed as incurred.

Charter Expenses. The Company charters in vessels to supplement its owned fleet to support its voyage charter operations. The Company hires vessels
under  time  charters  with  third  party  vessel  owners,  and  recognizes  the  charter  hire  payments  as  an  expense  on  a  straight-line  basis  over  the  term  of  the
charter. Charter hire payments are typically made in advance, and the unrecognized portion is reflected as advance hire in the accompanying consolidated
balance sheets. Under the time charters, the vessel owner is responsible for the vessel operating costs such as crews, maintenance and repairs, insurance, and
stores.

Vessel Operating Expenses. Vessel operating expenses represent the cost to operate the Company’s owned vessels. Vessel operating expenses include crew
hire and related costs, the cost of insurance, expenses relating to repairs and maintenance, the cost of spares and consumable stores, tonnage taxes, other
miscellaneous  expenses,  and  technical  management  fees.  These  expenses  are  recognized  as  incurred.  Technical  management  services  include  day-to-day
vessel  operations,  performing  general  vessel  maintenance,  ensuring  regulatory  and  classification  society  compliance,  arranging  the  hire  of  crew,  and
purchasing stores, supplies, and spare parts. 

Terminal  &  Stevedore  Expenses.  Terminal  &  Stevedore  expenses  represent  the  cost  to  provide  the  Company's  cargo  handling  services.  Terminal  &
Stevedore expenses include direct labor and related costs, the cost of insurance, expenses relating to repairs and maintenance of shore based equipment,
trucking, and other direct miscellaneous expenses.

Fleet Data. The Company believes that the measures for analyzing future trends in its results of operations consist of the following:

• Shipping days.  The  Company  defines  shipping  days  as  the  aggregate  number  of  days  in  a  period  during  which  its  owned  or  chartered-in  vessels  are
performing either a voyage charter (voyage days) or a time charter (time charter days).

• Daily vessel operating expenses. The Company defines daily vessel operating expenses as vessel operating expenses divided by ownership days for the
period. Vessel operating expenses include crew hire and related costs, the cost of insurance, expenses relating to repairs and maintenance, the costs of spares
and consumable stores, tonnage taxes, other miscellaneous expenses, and technical management fees.

• Chartered in days. The Company defines chartered in days as the aggregate number of days in a period during which it chartered in vessels from third
party vessel owners.

• Time Charter Equivalent ‘‘TCE’’ rates. The Company defines TCE rates as total revenues less voyage expenses divided by the length of the voyage, which
is consistent with industry standards. TCE rate is a common shipping industry performance measure used primarily to compare daily earnings generated by
vessels on time charters with daily earnings generated by vessels on

66

 
 
 
 
 
 
 
 
voyage  charters,  because  rates  for  vessels  on  voyage  charters  are  generally  not  expressed  in  per-day  amounts  while  rates  for  vessels  on  time  charters
generally are expressed in per-day amounts.

Business Overview

The  dry  bulk  sector  of  the  transportation  and  logistics  industry  is  cyclical  and  can  be  volatile  due  to  changes  in  supply  of  vessels  and  demand  for
transportation of dry bulk commodities. After reaching levels not seen in over a decade in 2021, the dry bulk freight market remained strong in historical
terms in the first half of 2022 before slowing down in the second half of the year due to decreased freight demand. This slowdown continued through the
first  quarter  of  2023,  with  signs  of  improvement  throughout  the  remainder  of  2023.  The  Baltic  Dry  Index  (“BDI”),  a  measure  of  dry  bulk  market
performance,  averaged  1,426  for  2023,  compared  to  an  average  of  1,832  for  2022,  down  approximately  22%.  More  specifically,  and  reflecting  the
composition of the Company's fleet, the average published market rates for Supramax and Panamax vessels decreased approximately 43% from an average
of $20,012 in 2022 to $11,391 in 2023. We have historically experienced fluctuations in our results of operations on a quarterly and annual basis due to the
volatility of the dry bulk sector. We expect to experience continued fluctuations in our operating results in the foreseeable future due to a variety of factors,
including cargo demand for vessels, supply of vessels, competition, and seasonality.

Effect of Inflation

High inflation in the United States and in many of the global economies where the Company operates has impacted vessel operating costs, including crew
travel, transportation of equipment and spares, and drydocking costs. We expect crew payroll expenses to continue to increase over the near and medium
future, and other inflated cost changes may make our vessel daily operating costs higher. Increases in the cost of fuel consumed on voyages are usually
absorbed by cargo market rates passed on to customers or covered by fuel cost pass through under the terms of long-term contracts. Because interest rates
on a large portion of the Company’s long-term debt, and finance leases is fixed or capped, the impact of higher interest rates on the Company’s earnings is
limited.

TCE Performance

For the year ended December 31, 2023, the Company's TCE rates were down 35% to $15,849 from $24,434 for the year ended December 31, 2022, while
the overall dry bulk market rates declined by approximately 43% for the year ended December 31, 2023. The Company's achieved TCE rate for the year
ended  December  31,  2023  outperformed  the  average  of  the  Baltic  Panamax  and  Supramax  market  indexes  and  exceeded  the  average  market  rates  by
approximately 39% due to its long-term contracts of affreightment, ("COAs"), its specialized fleet and its cargo-focused strategy.

2023 Highlights

• Net income attributable to Pangaea Logistics Solutions Ltd. was $26.3 million for twelve months ended December 31, 2023 as compared to $79.5

million for the same period of 2022.

• Diluted net income per share was $0.58 for twelve months ended December 31, 2023, as compared to $1.76 for the same period of 2022.
•

Time Charter Equivalent ("TCE") rates earned by Pangaea was $15,849 per day for twelve months ended December 31, 2023 and $24,434 per day
for the same period of 2022.

• Adjusted EBITDA was $79.7 million for twelve months ended December 31, 2023, as compared to $140.9 million for the same period of 2022.
• At the end of the year, Pangaea had $99.0 million in cash, and cash equivalents.

Results of Operations

Fiscal Year Ended December 31, 2023 Compared to Fiscal Year Ended December 31, 2022 

Revenues

Pangaea’s  revenues  are  derived  predominantly  from  voyage  charters  and  time  charters.  Total  revenue  for  the  fiscal  year  ended  December  31,  2023,  was
$499.3 million compared to $699.7 million, for the same period in 2022, a 29% decrease. The number of shipping days decreased 6% to 16,711 in the fiscal
year ended December 31, 2023, from 17,715 for the same period in 2022. The revenue decrease was primarily due to a 35% decrease in the average TCE
rate, which was $15,849 per day for the twelve months ended December 31, 2023, compared to $24,434 per day for the same period in 2022.

67

 
 
 
 
 
 
Components of revenue are as follows:

Voyage revenues decreased by 27% for the fiscal year ended December 31, 2023 to $468.6 million from $640.0 million for the same period in 2022. The
decrease in voyage revenues was primarily due to lower average TCE rates earned throughout 2023 due to declined market rates. The number of voyage
days decreased 2% to 14,922 for the twelve months ended December 31, 2023 from 15,237 for the same period in 2022.

Charter revenues decreased to $23.7 million from $59.7 million, or 60%, for the year ended December 31, 2023 compared to the same period in 2022.
The decrease in charter revenues was due to a decrease in time charter days as well as a decrease in charter hire rates evidenced by the decrease in index
rates for Panamax and Supramax vessels of approximately 43% compared to the same period of 2022. The time charter days were down 28% to 1,789 in
the twelve months ended December 31, 2023 from 2,478 in the twelve months ended December 31, 2022. The time charter revenue per day was $13,258
for the twelve months ended December 31, 2023 compared to $24,078 for the same period of 2022. The optionality of our chartering strategy, in which
the Company charters vessels in on short term periods with market available days during the charter period, allows the Company to selectively release
excess ship days, if any, into the market under time charter arrangements.

Terminal & Stevedore revenues increased to $7.0 million, for the twelve months ended December 31, 2023, as a result of the company's acquisition of
port and terminal operations in June 2023.

Voyage Expenses

Voyage  expenses  for  the  fiscal  year  ended  December  31,  2023  were  $227.4  million  compared  to  $262.1  million  for  the  year  ended  2022,  a  decrease  of
approximately 13%. The decrease is primarily due to a decrease in bunker consumption expense of $40.7 million driven by a decrease in bunker fuel prices,
partially offset by an increase in port charges and canal tolls of $2.3 million. Total costs of bunkers consumed decreased by 25% for the twelve months
ended December 31, 2023 compared to the same period in 2022. The port charges and canal tolls increased primarily due to an increase in the market cost of
canal tolls over the period.

 Charter Hire Expenses

The Company charters in vessels, typically on short term basis, from other shipowners to supplement its owned fleet. Charter hire expenses paid to third
party shipowners were $111.0 million for the year ended December 31, 2023, compared to $222.3 million for the year ended December 31, 2022, a 50%
decrease.  The  decrease  in  charter  hire  expenses  was  primarily  due  to  a  decrease  in  market  rates  to  charter-in  vessels  and  a  decrease  in  the  number  of
chartered-in days from 8,971 days in the twelve months ended December 31, 2022 to 7,933 days for the twelve months ended December 31, 2023. Charter
hire expenses on a per day basis were $13,996 for the twelve months ended December 31, 2023 and $24,783 for the same period in 2022. The average
published market rates for Supramax and Panamax vessels decreased approximately 43% from an average of $20,012 in 2022 to $11,391 in the same period
of 2023. The Company's flexible charter-in strategy allows it to supplement its owned fleet with short term chartered-in tonnage at prevailing market prices,
when needed, to meet cargo demand.

Vessel Operating Expenses

Vessel operating expenses for the year ended December 31, 2023 were $55.8 million, compared to $56.9 million for the same period in 2022, a decrease of
approximately  2%.  Ownership  days  for  the  twelve  months  ended  December  31,  2023  and  2022  were  8,988  and  8,962,  respectively.  Excluding  technical
management  fees,  vessel  operating  expenses  on  a  per  day  basis  were  $5,703  for  the  twelve  months  ended  December  31,  2023  and  $5,804  for  the  same
period in 2022. Technical management fees were approximately $4.5 million and $4.8 million for the twelve months ended December 31, 2023 and 2022,
respectively. The decrease in vessel operating expenses was also attributable a decrease in crew expenses due to a decrease in crewing costs, crew changes
and  expenses  related  to  COVID-19  and  the  war  in  Ukraine  in  the  prior  year.  The  Company  continues  to  face  general  inflationary  pressures  particularly
impacting the cost of lubes, stores and spares.

Terminal & Stevedore Expenses

Terminal & Stevedore expenses increased to $5.8 million for the twelve months ended December 31, 2023, as a result of the company's acquisition of port
and terminal operations in June 2023.

68

 
 
 
General and Administrative Expenses

General and administrative expenses increased from $20.1 million for the year ended December 31, 2022 to $22.8 million for the year ended December 31,
2023. The increase was primarily due to an increase in costs associated with the acquisition of port and terminal operations in June of 2023.

Depreciation and Amortization

We depreciate the cost of our vessels on a straight-line basis over the expected useful life of each vessel. Depreciation is based on the cost of the vessel less
its estimated residual value. We estimate the useful life of our vessels ranging between 25 years to 30 year from the date of initial delivery from the shipyard
to the original owner. We estimate the scrap rate to be $300/lwt to compute each vessel's residual value.

Depreciation and amortization expense increased $0.6 million or 2%. The increase was primarily due to the increase in ownership days to 8,988 days in
2023 from 8,962 days in 2022. The increase in ownership days is due to the acquisition of vessels, offset by vessel sales in the current year, which was part
of a fleet renewal plan. The increase in depreciation and amortization expense was due to an increase in drydocking amortization. Three drydockings were
completed in 2023 and four drydockings were completed in 2022.

Loss on sale of vessels

The  Company  recorded  a  loss  of  $1.7  million  on  the  sale  of  the  m/v  Bulk  Trident  and  m/v  Bulk  Newport  in  the  year  ended  December  31,  2023.  The
Company recorded a loss of $0.3 million on the sale of the m/v Bulk Pangaea in the year ended December 31, 2022.

Impairment of vessels

During the twelve months ended December 31, 2022, the Company recorded $3.0 million of impairment of vessel assets. On April 20, 2022 the Company
entered into an agreement to sell the Bulk Pangaea for $8.8 million, the sale was finalized and the vessel delivered to its new owner on June 23, 2022. No
loss on impairment of vessels were recorded in the year ended December 31, 2023.

Unrealized (Loss) Gain on Derivative Instruments

The Company assesses risk associated with fluctuating future freight rates and bunker prices, when appropriate, actively hedges identified economic risk
that may impact the operating income of long-term cargo contracts with forward freight agreements or bunker swaps. The usage of such derivatives can lead
to  fluctuations  in  the  Company’s  reported  results  from  operations  on  a  period-to-period  basis.  The  Company  recorded  an  unrealized  loss  on  derivative
instruments  of  $2.9  million  in  the  year  ended  December  31,  2023  and  an  unrealized  gain  on  derivative  instruments  of  $0.7  million  in  the  year  ended
December 31, 2022, respectively. Refer to Note 7 Margin Account, Derivative and Fair Value Measures to the consolidated financial statements for further
information.

Liquidity and Capital Resources

Liquidity and Cash Needs

The  Company  has  historically  financed  its  capital  requirements  with  cash  flow  from  operations,  the  issuance  of  common  stock,  proceeds  from  non-
controlling  interests,  and  proceeds  from  long-term  debt  and  finance  lease  financing  arrangements.  The  Company  has  used  its  capital  primarily  to  fund
operations,  vessel  acquisitions,  and  the  repayment  of  debt  and  the  associated  interest  expense.  The  Company  may  consider  debt  or  additional  equity
financing alternatives from time to time. However, if market conditions deteriorate, the Company may be unable to raise additional debt or equity financing
on acceptable terms or at all. As a result, the Company may be unable to pursue opportunities to expand its business.

At December 31, 2023 and 2022, the Company had working capital of $86.5 million and $130.3 million, respectively. The decrease in working capital was
primarily  driven  by  (i)  $34.5  million  of  cash  acquisitions,  including  the  m/v  Bulk  Prudence  and  the  port  and  terminal  operation  in  June  of  2023,  (ii)
$20.4  million  reclassifications  of  long-term  debt  to  current  portion  of  long-term  debt,  and  (iii)  partially  offset  by  proceeds  from  the  sale  of  vessels  and
operating income generated during the twelve months ended December 31, 2023.

69

 
 
 
 
 
Considerations made by management in assessing the Company’s ability to continue as a going concern are its ability to consistently generate positive cash
flows from operations, which were approximately $53.8 million in 2023, and $134.8 million in 2022; its excess of cash and cash restricted by facility agents
over the current portion of secured long-term debt and finance lease obligations, and its focus on contract employment (COAs). In addition, the Company
has demonstrated its ability to adapt to changing market conditions by changing the chartered-in profile to meet its cargo commitments and react to volatile
market rates. The Company believes that future operating cash flows together with cash on hand, availability of borrowings, and contributions from non-
controlling interests will be sufficient to meet our future operating and capital expenditure cash requirements for the next 12 months and the foreseeable
future.  For  more  information  on  the  results  of  operations,  see  Part  II.  ITEM  7.  MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL
CONDITION AND RESULTS OF OPERATIONS - Results of Operations.

The  table  below  summarizes  our  primary  sources  and  uses  of  cash  for  the  fiscal  years  ended  December  31,  2023  and  2022.  We  have  derived  these
summarized statements of cash flows from the consolidated financial statements included elsewhere in this Annual Report on Form 10-K. Amounts in the
table below have been calculated based on unrounded numbers. Accordingly, certain amounts may not appear to recalculate due to the effect of rounding.

(in millions)
Net cash provided by/(used in):
Operating activities:

Net income adjusted for non-cash items
Changes in operating assets and liabilities, net

Operating activities
Investing activities
Financing activities

Net change

Operating Activities  

2023

2022

$

$

65.0  $
(11.2)
53.8 
(16.0)
(67.2)
(29.3) $

122.8 
12.0 
134.8 
(28.5)
(34.1)
72.2 

Net cash provided by operating activities during the year ended December 31, 2023 was $53.8 million, compared to net cash provided by operating
activities of $134.8 million during the year ended December 31, 2022. The cash flows from operating activities decreased compared to the same period in
the prior year primarily due to the decrease in income from operations, and timing of customer receipts and supplier payments.

Investing Activities  

Net cash used in investing activities during the twelve months ended December 31, 2023 was $16.0 million compared to net cash used in investing activities
was $28.5 million for the same period in 2022. During the year ended December 31, 2023, the Company (i) paid $27.3 million for the purchase of one
vessel and other vessel improvements and (ii) paid $7.2 million net, for cash acquisition of a port and terminal operation. This use of cash was partially
offset by the proceeds from the sale of two vessels for $17.3 million. Net cash used in investing activities of $28.5 million in 2022 primarily consists of
$35.7 million for vessel acquisitions partially offset by the proceeds from the sale of one vessel for $8.4 million.

Financing Activities  

Net cash used in financing activities in 2023 was $67.2 million compared to net cash used in financing activities of $34.1 million for the same period of
2022. During the twelve months ended December 31, 2023, the Company repaid $15.8 million of long term debt, and $20.2 million of finance leases. The
Company also paid $18.1 million of common stock cash dividends and $10.4 million cash dividends to non-controlling interests.

Net cash used in financing activities was $34.1 million for 2022. During the twelve months ended December 31, 2022, the Company received $8.5 million
in proceeds from long-term debt, $15.0 million in proceeds from finance leases. The Company repaid $15.4 million of long term debt, $15.8 million of
finance leases and $5.0 million of other long term liabilities. The Company also paid $13.4 million of common stock cash dividends and $5.0 million cash
dividends to non-controlling interests.

70

 
 
 
 
Capital Expenditures

The Company’s capital expenditures relate to the purchase of vessels and interests in vessels, and to capital improvements to its vessels which are expected
to enhance the revenue earning capabilities and safety of these vessels. The Company’s owned or partially owned and controlled fleet at December 31, 2023
includes: nine Panamax drybulk carriers (six of which are Ice-Class 1A); seven Supramax drybulk carriers, two Ultramax Ice-Class IC, two Ultramax and
four Post Panamax Ice Class 1A drybulk vessels.

In addition to vessel acquisitions that the Company may undertake in future periods, its other major capital expenditures include funding its program of
regularly  scheduled  drydockings  necessary  to  make  improvements  to  its  vessels,  as  well  as  to  comply  with  international  shipping  standards  and
environmental  laws  and  regulations.  This  includes  installation  of  BWTS  required  under  new  regulations,  the  cost  of  which  will  be  $0.5  million  to  $0.7
million  per  vessel.  The  Company  has  some  flexibility  regarding  the  timing  of  drydocking,  but  the  total  cost  is  unpredictable.  The  Company  expects  to
perform two special surveys in 2024 at an aggregate total cost of approximately $2.0 million. The Company expects to perform four intermediate surveys in
2024 at an aggregate total cost of approximately $0.3 million. The Company estimates that offhire related to the surveys and related repair work is ten to
twenty days per vessel, depending on the size and condition of the vessel. Funding of these requirements is anticipated to be met with cash from operations.
The Company anticipates that this process of recertification will require it to reposition these vessels from a discharge port to shipyard facilities, which will
reduce the Company’s available days and operating days during that period.

71

 
 
Borrowing Activities

Long-term debt consists of the following:  

(2) (3)

Bulk Nordic Odyssey (MI) Corp., Bulk Nordic Orion (MI) Corp.
Senior Secured Term Loan Facility 
Bulk Nordic Oshima (MI) Corp., Bulk Nordic Odin (MI) Corp., Bulk
Nordic Olympic (MI) Corp., Bulk Nordic Oasis (MI) Corp. Secured
Term Loan Facility 
The Amended Senior Facility - Dated May 13, 2019 (formerly The
Amended Senior Facility - Dated December 21, 2017) 

(2) (3) (4)

(4)

December 31,
2023

December 31,
2022

Interest Rate
(%) 

(1)

Maturity Date

12,512,080 

14,395,409 

2.95 %

December 2027

39,800,000 

44,600,000 

3.38 %

June 2027

– Bulk Nordic Six Ltd. - Tranche A 

(2)

9,033,325 

10,099,993 

– Bulk Nordic Six Ltd. - Tranche B
– Bulk Pride - Tranche C 
– Bulk Independence - Tranche E 

(2)

(2)

Bulk Valor Corp. Loan and Security Agreement 
Bulk Promise Corp.
Bulk Sachuest 

(2)

(2)

(2)

109 Long Wharf Commercial Term Loan
Total
Less: unamortized bank fees 

(5)

Less: current portion

Secured long-term debt, net

— 
1,900,000 
9,500,000 
10,087,642 
9,685,334 
7,733,094  $

— 

100,251,475  $
(1,053,440)
99,198,035  $
(30,751,726)
68,446,309  $

2,070,000 
3,000,000 
10,500,000 
11,424,507 
11,069,630 
8,500,000 

374,466 
116,034,005 
(1,431,736)
114,602,269 
(15,782,530)
98,819,739 

$

$

$

$

4.39 %

— %
5.39 %
3.54 %
3.29 %
5.45 %
6.19 %

— %

May 2024
Paid in full in
January 10, 2023
May 2024
May 2024
June 2028
October 2027
October 2029
Paid in full in
January 24, 2023

(1)

(2)

(3)

(4)

(5)

As of December 31, 2023.
Interest rates on the loan facilities are fixed.
The borrowers under this facility are owned by NBHC. The Company has two-third's ownership interest and STST has one-third ownership interest in NBHC.
NBHC is consolidated in accordance with ASC 810-10 and as such, amounts pertaining to the non-controlling ownership held by the third parties in the financial
position of NBHC are reported as non-controlling interest in the accompanying balance sheets.
This facility is cross-collateralized by the vessels m/v Bulk Endurance, m/v Bulk Pride, and m/v Bulk Independence and is guaranteed by the Company.
A portion of unamortized debt issuance costs were reclassified as a reduction of the finance leases liabilities. Refer to Note 10 "Finance Leases" for additional
information.

The Bulk Nordic Odyssey (MI) Corp., Bulk Nordic Orion (MI) Corp. Senior Secured Term Loan Facility - Dated December 23, 2020.

The  agreement  advanced  $18,000,000  in  respect  of  the  m/v  Nordic  Odyssey  and  m/v  Nordic  Orion.  The  agreement  requires  repayment  of  the
advance in 28 equal quarterly principal and interest installments of $571,821 beginning on March 23, 2021 and a balloon payment of $4,400,000
due with the final installment in December 2027. Interest on this advance is fixed at 2.95%.

The loan is secured by a first preferred mortgage on the m/v Nordic Odyssey and m/v Nordic Orion, the assignment of earnings, insurances and
requisite  compensation  of  the  entity,  and  by  guarantees  of  its  shareholders.  Additionally,  the  agreement  contains  a  collateral  maintenance  ratio
clause which requires the fair market value of the vessel plus the net realizable value of any additional collateral previously provided, to remain
above defined ratios. As of December 31, 2023 and 2022 the Company was in compliance with its financial covenants.

72

Bulk Nordic Oshima (MI) Corp., Bulk Nordic Odin (MI) Corp., Bulk Nordic Olympic (MI) Corp., and Bulk Nordic Oasis (MI) Corp. Facility Agreement
dated April 26, 2021

On April 26, 2021, NBHC entered into a new Senior Secured Term Loan Facility with two new lenders. The agreement advanced $53.0 million in
respect  of  the  m/v  Nordic  Oshima,  m/v  Nordic  Olympic,  m/v  Nordic  Odin  and  m/v  Nordic  Oasis.  The  agreement  requires  repayment  of  the
advance  in  24  equal  quarterly  principal  installments  of  $1,200,000  beginning  on  June  15,  2021  and  a  balloon  payment  of  $24,200,000  due  in
March 2027. Interest on this advance is fixed at 3.38% effective May 5, 2021. The Loan is secured by a first lien on m/v Nordic Bulk Oshima, m/v
Nordic Bulk Odin, m/v Nordic Bulk Olympic and m/v Nordic Bulk Oasis. The Company used a portion of the proceeds of the loan to repay the
outstanding  balance  of  $51.5  million  for  the  Nordic  Oshima,  Nordic  Odin,  Nordic  Olympic  and  Nordic  Oasis  loan  facilities  which  was  set  to
mature on October 1, 2021. As of December 31, 2023 and 2022 the Company was in compliance with its financial covenants.

The Amended Senior Facility - Dated May 13, 2019 (previously identified as The Amended Senior Facility - Dated December 21, 2017)

On  May  13,  2019,  the  Company,  through  its  wholly  owned  subsidiaries,  Bulk  Endurance,  Bulk  Pride  and  Bulk  Independence  entered  into  the
Second Amendatory Agreement, (the "Second Amendment"), amending and supplementing the First Amendatory Agreement dated December 17,
2017.  The  Second  Amendment  advanced  $14,000,000  under  Tranche  E  in  respect  to  the  m/v  Bulk  Independence,  extended  maturity  dates  on
Tranche  A,  B,  and  C  to  May  2024,  and  reduced  applicable  interest  rate  margin  on  Tranche  A,  B,  and  C  to  1.70%  for  the  first  eight  quarters
following the drawdown of Tranche E, and 2.40% thereafter.

Bulk Endurance Tranche A and B

The amended agreement advanced $19,500,000 in respect of the m/v Bulk Endurance on January 7, 2017, in two tranches. The agreement
requires repayment of Tranche A, totaling $16,000,000, in three equal quarterly installments of $100,000 beginning on April 7, 2017 and
27 equal quarterly installments of $266,667. A balloon payment of $8,766,658 is due with the final installment in May 2024. Interest on
this  advance  was  fixed  at  3.69%  through  March  2021,  fixed  at  4.39%  through  December  2021,  and  fixed  at  3.46%  thereafter.  The
agreement  also  advanced  $3,500,000  under  Tranche  B,  which  is  payable  in  28  equal  quarterly  installments  of  $65,000  beginning  on
September 27, 2017, and a balloon payment of $1,745,000 due with the final installment in May 2024. Interest on this advance is floating
at LIBOR plus 1.70% (3.63% at December 31, 2022) through March 2021, and thereafter at LIBOR plus 2.4%. The loan was repaid in full
on January 10, 2023.

Bulk Pride Tranche C and D

The amended agreement advanced $10,000,000 in respect of the m/v Bulk Pride on December 21, 2017, in two tranches. The agreement
requires  repayment  of  Tranche  C,  totaling  $8,500,000,  in  26  equal  quarterly  installments  of  $275,000  beginning  in  March  2018  and  a
balloon payment of $1,350,000 due with the final installment in May 2024. Interest on this advance was fixed at 4.69% through March
2021, fixed at 5.39% through December 2021, and fixed at 3.6% thereafter. The agreement also advanced $1,500,000 under Tranche D,
which is payable in 4 equal quarterly installments of $375,000 beginning in September 2018. Tranche D was fully repaid in June 2019.

Bulk Independence Tranche E

The  amended  agreement  advanced  $14,000,000  under  Tranche  E  in  respect  of  the  m/v  Bulk  Independence  on  May  13,  2019,  which
requires repayment of 20 equal quarterly installments of $250,000 beginning in September 2019 and a balloon payment of $9,000,000 due
with  the  final  installment  in  May  2024.  Interest  on  this  advance  was  fixed  at  3.48%  through  March  31,  2020,  fixed  at  2.84%  through
December 31, 2021 and fixed at 3.54% thereafter.

The  loan  is  secured  by  first  preferred  mortgages  on  the  m/v  Bulk  Endurance,  the  m/v  Bulk  Pride  and  the  m/v  Bulk  Independence,  the
assignment  of  earnings,  insurances  and  requisite  compensation  of  the  entity,  and  by  guarantees  of  its  shareholders.  Additionally,  the
agreement contains a minimum liquidity requirement, positive working capital of the borrower and a collateral maintenance ratio clause
which requires the fair market value

73

of  the  vessel  plus  the  net  realizable  value  of  any  additional  collateral  previously  provided,  to  remain  above  defined  ratios.  At
December 31, 2023 and 2022, the Company was in compliance with these covenants.

The Bulk Freedom Corp. Loan Agreement -- Dated June 14, 2017

The agreement advanced $5,500,000 in respect of the m/v Bulk Freedom on June 14, 2017. The agreement requires repayment of the loan in 8
quarterly installments of $175,000 and 12 quarterly installments of $150,000 beginning on September 14, 2017. A balloon payment of $2,300,000
is due on June 14, 2022 with the final installment. The loan was repaid in full on June 13, 2022.

109 Long Wharf Commercial Term Loan

Initial amount of $1,096,000 entered into on May 27, 2016. The Long Wharf Construction to Term Loan was repaid from the proceeds of this new
facility.  The  loan  is  payable  in  120  equal  monthly  installments  of  $9,133.  Interest  is  floating  at  the  30  day  LIBOR  plus  2.00%.  The  loan  is
collateralized by all real estate located at 109 Long Wharf, Newport, RI, and a corporate guarantee of the Company. The loan contains a maximum
loan to value covenant and a debt service coverage ratio. The loan was repaid in full on January 25, 2023. At December 31, 2022, the Company
was in compliance with these covenants.

The Bulk Valor Corp. Loan Agreement -- Dated June 17, 2021

The  agreement  advanced  $13,350,000  in  respect  of  the  m/v  Bulk  Valor  on  June  17,  2021.  The  agreement  requires  repayment  of  the  loan  in  28
quarterly installments commencing on September 17, 2021. A balloon payment is due on June 17, 2028. Interest on this advance is fixed at 3.29%.
The loan is secured by a first preferred mortgage on the m/v Bulk Valor, the assignment of earnings, insurances and requisite compensation of the
entity, and by guarantees of its shareholders. As of December 31, 2023 and 2022 the Company was in compliance with its financial covenants.

The Bulk Promise Corp. Loan Agreement -- Dated July 12, 2021

The agreement advanced $12,800,000 in respect of the m/v Bulk Promise on July 7, 2021. The agreement requires repayment of the loan in 24
quarterly installments of $346,074 commencing on October 15, 2021. A balloon payment of $4,494,224 is due on October 15, 2027. Interest on
this advance was fixed at 5.45% on July 15, 2022 through maturity. The loan is secured by a first preferred mortgage on the m/v Bulk Promise, the
assignment of earnings, insurances and requisite compensation of the entity, and by guarantees of its shareholders. As of December 31, 2023 and
2022 the Company was in compliance with its financial covenants.

The Bulk Sachuest Corp. Loan Agreement -- Dated October 13, 2022

The agreement advanced $8,500,000 in respect of the m/v Bulk Sachuest on October 13, 2022. The agreement requires repayment of the loan in 27
quarterly installments commencing on January 13, 2023. A balloon payment is due on October 13, 2029. Interest on this advance is fixed at 6.19%.
The loan is secured by a first preferred mortgage on the
m/v Bulk Sachuest, the assignment of earnings, insurances and requisite compensation of the entity, and by guarantees of its shareholders. As of
December 31, 2023 and 2022 the Company was in compliance with its financial covenants.

The future minimum annual payments under the debt agreements are as follows: 

2024
2025
2026
2027
2028
Thereafter

Related Party Transactions

74

Years ending December 31,

$

$

30,751,726 
10,476,019 
10,638,024 
39,955,014 
5,322,454 
3,108,240 
100,251,477 

 
 
 
 
Amounts and notes payable to related parties consist of the following:

Included in accounts payable and accrued expenses on the consolidated
balance sheets:
Trade payables due to Seamar 

(i)

December 31, 2022

Activity

December 31, 2023

$

1,643,806  $

(153,746) $

1,490,060 

i.

Seamar Management S.A. ("Seamar") is a joint venture of which the Company owns 51% at December 31, 2023 and 2022.

Under the terms of a technical management agreement between the Company and Seamar Management S.A. (Seamar), an equity method investee, Seamar
is responsible for the day-to-day operation of some of the Company’s owned vessels. During the years ended December 31, 2023 and 2022, the Company
incurred  technical  management  fees  of  $3,328,800  and  $3,280,920  under  this  arrangement,  which  is  included  in  vessel  operating  expenses  in  the
consolidated  statements  of  income.  The  total  amounts  payable  to  Seamar  at  December  31,  2023  and  2022,  (including  amounts  due  for  vessel  operating
expenses), were $1,490,060 and $1,643,806, respectively. 

Off-Balance Sheet Arrangements

We do not have any off-balance sheet arrangements as of December 31, 2023 or 2022.

ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES

Not applicable for a smaller reporting company.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA 

This information appears following Item 15 of this Report and is included herein by reference. 

ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None. 

ITEM 9A. CONTROLS AND PROCEDURES.

Evaluation of Disclosure Controls and Procedures

With the participation of our Chief Executive Officer and Chief Financial Officer, we have evaluated the effectiveness of our disclosure controls and
procedures as of December 31, 2023. The term "disclosure controls and procedures," as defined in Rules 13a-15(e) and 15d-15(e) under the Securities
Exchange Act of 1934, as amended (the "Exchange Act"), means controls and other procedures of a company that are designed to ensure that information
required to be disclosed by a company in the reports that it files or submits under the Exchange Act is recorded, processed, summarized, and reported within
the time periods specified in the U.S. Securities and Exchange Commission's rules and forms. Disclosure controls and procedures include, without
limitation, controls and procedures designed to ensure that information required to be disclosed by a company in the reports that it files or submits under the
Exchange Act is accumulated and communicated to the company's management, including its principal executive and principal financial officers, as
appropriate, to allow timely decisions regarding required disclosure. Management recognizes that any controls and procedures, no matter how well designed
and operated, can provide only reasonable assurance of achieving their objectives, and management necessarily applies its judgment in evaluating the cost-
benefit relationship of possible controls and procedures. Based on the evaluation of our disclosure controls and procedures as of December 31, 2023, our
Chief Executive Officer and Chief Financial Officer concluded that, as of such date, our disclosure controls and procedures were effective at the reasonable
assurance level.

75

 
 
 
 
 
 
 
 
 
Changes in Internal Controls over Financial Reporting

There were no changes in our internal control over financial reporting during the fiscal year covered by this report that materially affected, or are reasonably
likely to materially affect, our internal control over financial reporting.

Management's Report on Internal Control Over Financial Reporting

Management of Pangaea Logistic Solutions Ltd. (the "Company") is responsible for establishing and maintaining adequate internal control over financial
reporting as is defined in Exchange Act Rules 13a-15(f) and 15d-15(f). The Company’s internal control system was designed to provide reasonable
assurance to the Company’s management, Board of Directors, and shareholders regarding the preparation and fair presentation of the Company’s published
financial statements in accordance with generally accepted accounting principles. The Company’s internal control over financial reporting includes those
policies and procedures that:

•

•

•

pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the
Company;
provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally
accepted accounting principles, and that receipts and expenditures are being made only in accordance with authorizations of management of the
Company; and
provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of our assets that could have
a material effect on the financial statements.

There are inherent limitations to the effectiveness of any system of internal control over financial reporting. Accordingly, even an effective system of
internal control over financial reporting can only provide reasonable assurance with respect to financial statement preparation and presentation in
accordance with accounting principles generally accepted in the United States of America. Our internal controls over financial reporting are subject to
various inherent limitations, including cost limitations, judgments used in decision making, assumptions about the likelihood of future events, the soundness
of our systems, the possibility of human error, and the risk of fraud. Moreover, projections of any evaluation of effectiveness to future periods are subject to
the risk that controls may be inadequate because of changes in conditions and the risk that the degree of compliance with policies or procedures may
deteriorate over time.

Management assessed the effectiveness of the Company’s internal control over financial reporting as of December 31, 2023. In making its assessment of
internal control over financial reporting, management used the criteria issued by the Committee of Sponsoring Organizations ("COSO") of the Treadway
Commission in May 2013.

Based on the results of this assessment, management, including our Chief Executive Officer, Chief Financial Officer, and Chief Accounting Officer, has
concluded that, as of December 31, 2023, the Company’s internal control over financial reporting was effective, except as described below relating to the
acquisition of Port and Terminal Operation.

The Company acquired the Port and Terminal Operation on June 1, 2023. The new acquisition's total assets and revenues both constituted approximately 1%
of the Company’s consolidated total assets and revenues as shown on our consolidated financial statements as of and for the year ended December 31, 2023.
As the acquisition occurred during the second quarter of 2023, the Company excluded Port and Terminal Operation from the scope of the assessment of the
effectiveness of the Company’s internal control over financial reporting and, with respect to the portion of disclosure controls and procedures that are
subsumed by internal control over financial reporting of Port and Terminal Operation, the Company's disclosure controls and procedures. This exclusion is
in accordance with the general guidance issued by the Staff of the Securities and Exchange Commission that an assessment of a recently-acquired business
may be omitted from the scope in the year of acquisition if specified conditions are satisfied.

Attestation Report of the Registered Public Accounting Firm on Internal Control over Financial Reporting

The Company’s internal control over financial reporting as of December 31, 2023 has been audited by Grant Thornton LLP, an independent registered
public accounting firm, as stated in their report which is included herein.

ITEM 9B. OTHER INFORMATION.

None.

76

  
 
ITEM 9C. DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS.

None.

77

PART III

ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

Directors and Executive Officers

Our current directors and executive officers are as follows: 

Name
Mark L. Filanowski
Gianni Del Signore
Mads Boye Petersen
Carl Claus Boggild
Anthony Laura
Richard T. du Moulin
Eric S. Rosenfeld
David D. Sgro
Karen H. Beachy

Age
69
41
44
67
71
77
66
47
52

Position
Chief Executive Officer and Director
Chief Financial Officer
Chief Operating Officer
Lead Independent Director
Director
Chairman of the Board, Director
Director
Director
Director

Class I Directors with Terms Expiring in 2024

Eric S. Rosenfeld. Mr. Rosenfeld serves as a director of the Company. Eric Rosenfeld of New York, New York, U.S.A., has been the President and Chief
Executive Officer of Crescendo Partners, L.P., a New York based investment firm, since its formation in November 1998. Prior to forming Crescendo
Partners, he held the position of Managing Director at CIBC Oppenheimer and its predecessor company Oppenheimer & Co., Inc. for 14 years. Mr.
Rosenfeld currently serves on the board at Aecon Group, Inc., a construction company, and Algoma Steel, Inc., a fully integrated producer of hot and cold
rolled steel products. Mr. Rosenfeld has also served as Chairman and CEO for Arpeggio Acquisition Corporation, Rhapsody Acquisition Corporation, Trio
Merger Corp, Quartet Merger Corp and Harmony Merger Corp., all blank check corporations that later merged with Hill International, Primoris Services
Corporation, SAExploration Holdings, Pangaea Logistics Solutions Ltd and NextDecade Corporation respectively. Mr. Rosenfeld has also served as the
Chief SPAC Officer of Legato Merger Corp and Legato Merger Corp II., blank check corporations that later merged with Algoma Steel, Inc. and Southland
Holdings, respectively. Mr. Rosenfeld is currently the Chief SPAC Officer of Legato Merger Corp. III, a blank check corporation. Mr. Rosenfeld is also
currently the CEO of Allegro Merger Corp, a non-listed shell company. He was also a director of Primo Water Corp, a water delivery and filtration
company, CPI Aero (Chairman Emeritus), a company engaged in the contract production of structural aircraft parts, Canaccord Genuity Group, a full-
service financial services company, NextDecade Corporation, a development stage company building natural gas liquefaction plants, Absolute Software
Corp., a leader in firmware-embedded endpoint security and management for computers and ultraportable devices, AD OPT Technologies, an airline crew
planning service, Sierra Systems Group Inc., an information technology, management consulting and systems integration firm, Emergis Inc., an electronic
commerce company, Hill International, a construction management firm, Matrikon Inc. a company that provides industrial intelligence solutions, DALSA
Corp., a digital imaging and semiconductor firm, HIP Interactive, a video game company, GEAC Computer, a software company, Computer Horizons Corp.
(Chairman), an IT services company, Pivotal Corp, a cloud software firm, Call-Net Enterprises, a telecommunication firm Primoris Services Corporation, a
specialty construction company, and SAExploration Holdings, a seismic exploration company.

Mr. Rosenfeld is a regular guest lecturer at Columbia Business School and has served on numerous panels at Queen’s University Business Law School
Symposia, McGill Law School, the World Presidents’ Organization, and the Value Investing Congress. He is a senior faculty member at the Director’s
College. He is a guest lecturer at Tulane Law School. He has also been a regular guest host on CNBC. Mr. Rosenfeld received an A.B. in economics from
Brown University and an M.B.A. from the Harvard Business School. The board nominated Mr. Rosenfeld to be a director because he has extensive
experience serving on the boards of multinational public companies and in capital markets and mergers and acquisitions transactions. Mr. Rosenfeld also has
valuable experience in the operation of a worldwide business faced with a myriad of international business issues. Mr. Rosenfeld’s leadership and
consensus-building skills, together with his experience as senior independent director of all boards on which he currently serves, make him an effective
board member.

Mark L. Filanowski. Mr. Filanowski was appointed to the position of Chief Executive Officer of the Company in December 2021. He served as Pangaea’s
Chief Operating Officer from 2016 until his appointment as CEO, was a consultant to the Company from 2014 to 2016, and he has been a board member of
the Company since 2014. Mr. Filanowski formed Intrepid Shipping LLC with another board member, Richard du Moulin, in 2002. From 1989 to 2002, he
served as Chief Financial Officer and Senior Vice President at Marine Transport Corporation. Mr. Filanowski was Vice President and Controller at

78

 
 
 
 
Armtek Corporation from 1984 to 1988. Mr. Filanowski started his career at Ernst & Young and worked as a Certified Public Accountant at EY from 1976
to 1984. He has served as the Chairman of the Board at Arvak and at Shoreline Mutual (Bermuda) Ltd., both marine insurance companies. He earned a BS
from  the  University  of  Connecticut  and  an  MBA  from  New  York  University.  Mr.  Filanowski’s  experience  in  many  aspects  of  the  shipping  industry,  his
participation as a director on other independent company boards, and his financial background, qualifications, and experience, make him a valuable part of
the Company’s board.

Anthony Laura. Mr. Laura is a founder of Pangaea and served as its Chief Financial Officer from the Company's inception until his retirement in April
2017.  Prior  to  co-founding  Bulk  Partners  Ltd.,  the  predecessor  to  Pangaea,  in  1996,  Mr.  Laura  spent  10  years  as  CFO  of  Commodity  Ocean  Transport
Corporation  (COTCO).  Mr.  Laura  also  served  as  Chief  Financial  Officer  at  Navinvest  Marine  Services  from  1986  to  2002.  Mr.  Laura  is  a  graduate  of
Fordham University. 

Class II Directors with Terms Expiring in 2025

Carl Claus Boggild. Mr. Boggild is a founder of Pangaea and served as its President (Brazil) from the Company's inception until his retirement in 2016.
Prior to co-founding Bulk Partners Ltd., the predecessor company to Pangaea, in 1996, Mr. Boggild was Director of Chartering and Operations at the Korf
Group of Germany. He also was a partner at Trasafra Ltd., a Brazilian agent for the largest independent grain parcel operator from Argentina and Brazil to
Europe. He worked for Hudson Trading and Chartering where he was responsible for Brazilian related transportation services. As President of COTCO, he
was responsible for the operations of its affiliate Handy Bulk Carriers Corporation. Prior to becoming President of COTCO, Mr. Boggild was an Executive
Vice President and was responsible for its Latin American operations. Mr. Boggild holds a diploma in International Maritime Law. Mr. Boggild’s
qualifications to sit on our board include his operational experience and deep knowledge of the shipping industry.

David D. Sgro. Mr. Sgro serves as a director of the Company. Mr. Sgro served as Quartet’s chief financial officer, secretary, and a member of its Board of
Directors. He has been the Head of Research of Jamarant Capital Mgmt. since its inception in 2015. From 2005 through 2021, Mr. Sgro was an employee of
Crescendo Partners, where he completed his tenure as a Senior Managing Director of the firm. Mr. Sgro presently serves or has served on the board of
directors of Legato Merger Corp. III, Algoma Steel, Inc., Legato Merger Corp. II, Legato Merger Corp., Allegro Merger Corp., Hill International,
NextDecade Corporation, Trio, Primoris Services Corporation, Bridgewater Systems, Inc., SAExploration Holdings, Harmony Merger Corp., Imvescor
Restaurant Group, BSM Technologies and COM DEV International Ltd. Mr. Sgro attended Columbia Business School and prior to that, Mr. Sgro worked as
an analyst and then senior analyst at Management Planning, Inc., a firm engaged in the valuation of privately held companies. Simultaneously, Mr. Sgro
worked as an associate with MPI Securities, Management Planning, Inc.’s boutique investment banking affiliate. Mr. Sgro received a B.S. in Finance from
The College of New Jersey and an M.B.A. from Columbia Business School. In 2001, he became a Chartered Financial Analyst (CFA®) Charterholder. Mr.
Sgro is an adjunct faculty member at the College of New Jersey and a regular guest lecturer at Columbia Business School.

Class III Directors with Terms Expiring in 2026

Richard T. du Moulin. Mr. du Moulin is currently the President of Intrepid Shipping LLC, a position he has held since he founded Intrepid in 2002. From
1974, he spent 15 years with OMI Corporation, where he served as Executive Vice President, Chief Operating Officer, and as a member of the company's
Board of Directors. From 1998 to 2002, Mr. du Moulin served as Chairman and Chief Executive Officer of Marine Transport Corporation. From 1989 to
1998, Mr. du Moulin served as Chairman and CEO of Marine Transport Lines. Mr. du Moulin is a member of the Board Trustees of the Seamen's Church
Institute of New York and New Jersey. He currently serves as a Director of Teekay Tankers and an advisor to Hudson Structured Capital Management. Mr.
du Moulin served as Chairman of Intertanko, the leading trade organization for the tanker industry, from 1996 to 1999. Mr. du Moulin served in the US
Navy  and  is  a  recipient  of  the  US  Coast  Guard's  Distinguished  Service  Medal.  He  received  a  BA  from  Dartmouth  College  and  an  MBA  from  Harvard
University. Mr. du Moulin’s qualifications to sit on our board include his operational experience and deep knowledge of the shipping industry.

Karen H. Beachy. Ms. Beachy serves as a director of Oceaneering International (NYSE: OII), a global provider of engineered services and products for the
offshore  energy,  defense,  aerospace,  and  entertainment  industries.  In  March  2022,  Ms.  Beachy  was  named  to  the  board  of  Pangea  Logistics  Solutions
(NASDQ: PANL), a Rhode Island based company that transports a wide variety of dry bulk cargoes and provides its customers with a comprehensive set of
services and activities, including cargo loading, cargo discharge, vessel chartering, and voyage planning. Ms. Beachy founded her strategic consulting firm,
Think  B3  Consulting,  in  January  2021  and  worked  with  The  Alliance  Risk  Group,  a  consulting  that  helps  energy  leaders  develop  and  enhance  their
integrated risk management and smart, clean resilient grid solutions. Prior to starting her consulting firm and joining Oceaneering, Ms. Beachy served as the
Senior  Vice  President  of  Growth  and  Strategy  at  Black  Hills  Corporation,  an  investor-owned  electric  and  gas  utility  in  the  Midwest,  where  she  was
responsible for corporate planning, business

79

development,  process  improvement,  enterprise  data  and  analytics,  natural  gas  retail  marketing,  products  and  services,  energy  innovation  and  asset
optimization. Ms. Beachy began her tenure at Black Hills in Rapid City, South Dakota in 2014 as the Director of Supply Chain and was promoted to Vice
President of Supply Chain in 2016. She was responsible for sourcing, procurement, fleet, and materials management. Ms. Beachy worked at Vectren (now
CenterPoint Energy) Corporation, an electric and gas utility in Indiana and Ohio, from 2010 to 2014 where Ms. Beachy led the gas operations division in
Ohio and worked in supply chain. From 1995 to 2008, Ms. Beachy worked at Louisville Gas and Electric/Kentucky Utilities, an electric and gas utility in
Kentucky  and  Western  Virginia,  where  she  held  several  positions  in  corporate  development,  products  and  services,  electric  operations,  and  supplier
diversity.  In  2007,  Ms.  Beachy  completed  an  expatriate  assignment  in  Germany  with  E.ON,  a  European  electric  utility,  where  she  served  as  a  project
manager in the global liquified natural gas procurement group. Throughout her career, Ms. Beachy has served on several non-profit Boards with a focus on
supporting and growing young people and entrepreneurs in the communities where she lived and worked. Ms. Beachy holds a bachelor’s degree in political
science and a master’s degree in management from Purdue University.

Delinquent Section 16(a) Reports

Section 16(a) of the Exchange Act requires our Section 16 officers and directors and persons who own more than 10% of a registered class of our equity
securities, to file reports of ownership and changes in ownership with the SEC. SEC regulations require our Section officers, directors, and greater than 10%
shareholders to provide us with copies of all Section 16(a) forms they file. Based solely on our review of these forms, during 2023 all of our Section 16
officers, directors, and greater than 10% shareholders complied with all Section 16(a) filing requirements applicable to them.

Code of Ethics

In October 2014, our board of directors adopted a code of ethics that applies to directors, officers, and employees of ours and of any subsidiaries we may
have  in  the  future  (including  our  principal  executive  officer,  our  principal  financial  officer,  our  principal  accounting  officer  or  controller,  and  persons
performing similar functions). We will provide, without charge, upon request, copies of our code of ethics. Requests for copies of our code of ethics should
be sent in writing to Pangaea Logistics Solutions Ltd., 109 Long Wharf, Newport, RI 02840.

Corporate Governance

Audit Committee

The  Company’s  Audit  Committee  is  comprised  of  David  Sgro,  Anthony  Laura  and  Karen  Beachy,  each  of  whom  qualifies  as  independent  under  the
applicable Nasdaq listing requirements and SEC rules.

The Board of Directors has determined that David Sgro is an audit committee “financial expert” as such term is defined in applicable SEC rules, and that he
has the requisite financial management expertise within the meaning of Nasdaq rules and regulations. The Audit Committee is responsible for, among other
duties, appointing and overseeing the work of, and relationship with, the independent auditors, including reviewing their formal written statement describing
the Company’s internal quality-control procedures and any material issues raised by the internal quality-control review or peer review of the Company or
any  inquiry  or  investigation  by  governmental  or  professional  authorities  and  their  formal  written  statement  regarding  auditor  independence;  reading  and
discussing with management and the independent auditors the annual audited financial statements and quarterly financial statements, and preparing annually
a report to be included in the Company’s proxy statement; providing oversight of the Company’s accounting and financial reporting principles, policies,
controls, procedures and practices; and discussing with management polices with respect to risk assessment and risk management. In addition, the Board of
Directors has tasked the Audit Committee with reviewing transactions with related parties.

Nominating and Corporate Governance Committee

The Company’s Nominating and Governance Committee is comprised of Richard du Moulin, Eric Rosenfeld and Carl Claus Boggild, each of whom
qualifies as independent under the applicable Nasdaq listing requirements and SEC rules.

The Nominating and Governance Committee, among other duties, assists the Board of Directors in identifying and evaluating qualified individuals to
become members of the Board of Directors, and proposing nominees for election to the Board of Directors and to fill vacancies; considers nominees duly
recommended by shareholders for election to the Board of Directors; and evaluates annually the independence of each member of the Board of Directors
under applicable Nasdaq listing requirements and SEC rules.

80

 
 
 
 
 
Guidelines for Selecting Director Nominees

The guidelines for selecting nominees, which are specified in our Nominating and Corporate Governance Committee Charter, generally provide that persons
to be nominated:

•
•

•

should have demonstrated notable or significant achievements in business, education or public service;
should possess the requisite intelligence, education and experience to make a significant contribution to the board of directors and bring a
range of skills, diverse perspectives and backgrounds to its deliberations; and
should have the highest ethical standards, a strong sense of professionalism and intense dedication to serving the interests of our stockholders.

The  Nominating  and  Corporate  Governance  Committee  will  consider  a  number  of  qualifications  relating  to  management  and  leadership  experience,
background,  integrity  and  professionalism  in  evaluating  a  person’s  candidacy  for  membership  on  the  board  of  directors.  The  nominating  and  Corporate
Governance committee may require certain skills or attributes, such as financial or accounting experience, to meet specific board needs that arise from time
to time and will also consider the overall experience and makeup of its members to obtain a broad and diverse mix of board members. The nominating and
Corporate Governance committee does not distinguish among nominees recommended by stockholders and other persons.

There have been no material changes to the procedures by which security holders may recommend nominees to our board of directors. 

Compensation Committee

The Company’s Compensation Committee is comprised of independent directors Richard du Moulin, Eric Rosenfeld, David Sgro and Karen Beachy. The
Compensation  Committee  reviews  and  approves  compensation  paid  to  the  Company’s  officers  and  directors  and  administers  the  Company’s  incentive
compensation plans, including authority to make and modify awards under such plans. The Compensation Committee Charter is available on the Company’s
website at www.pangaeals.com.

Compensation Committee Interlocks and Insider Participations

As of December 31, 2023, none of the members of our compensation committee will be, or will have at any time during the past year been, one of our
officers or employees. None of our executive officers currently serves or in the past year has served as a member of the board of directors or compensation
committee of any entity that has one or more executive officers serving on our board of directors or compensation committee. 

ITEM 11. EXECUTIVE COMPENSATION

The  Company’s  senior  executives  are  generally  awarded  merit  increases  and  annual  incentive  compensation  in  December  of  each  year,  following
completion of annual performance review cycle.

The Company does not have employment agreements with any of its senior executives, including its executive officers.

Summary Compensation Table of the Company’s Named Executive Officers

Smaller reporting companies meet the Regulation S-K Item 402 disclosure requirements by providing the shorter disclosures required under the Securities
Act of 1934, specifically, the total compensation of the Company’s named executive officer’s which consists of (i) the Company’s Chief Executive Officer,
(ii) each of the Company’s next two most highly compensated executive officers, other than its Chief Executive Officer, who served as an executive officer
at December 31, 2023 and whose total compensation exceeded $100,000, and (iii) two individuals for whom disclosure would have been required but who
were  not  serving  as  executive  officers  of  the  Company  at  December  31,  2023.  The  following  table  sets  forth  the  total  compensation  for  the  fiscal  years
ended December 31, 2023 and 2022:

81

 
 
 
 
 
 
 
 
 
 
 
Name and Principal Position
Mark L. Filanowski

Chief Executive Officer
(Principal Executive Officer)

Gianni Del Signore

Chief Financial Officer
(Principal Financial Officer)

Mads Rosenberg Boye Petersen 

(2)

Chief Operating Officer

Year
2023
2022

2023
2022

2023
2022

$
$

$
$

$
$

Salary and
Compensation

Cash Bonus

All Other
Compensation

(1)

450,000  $
250,000  $

600,000  $
1,350,000  $

386,452  $
207,196  $

Total

1,436,452 
1,807,196 

300,000  $
200,000  $

275,000  $
450,000  $

406,990  $
201,853  $

981,990 
851,853 

350,000  $
223,770  $

375,000  $
600,000  $

213,740  $
116,833  $

938,740 
940,603 

(1)

(2)

All other compensation includes employer matching contribution to the 401(k) plan and vesting of restricted share grants.
On February 22, 2022, Mads Rosenberg Boye Petersen was appointed as Chief Operating Officer, effective on April 1, 2022. The information in above table represents
the period from January 1, 2022 to December 31, 2022.

Narrative Disclosure to Summary Compensation Table

The Company does not have employment agreements with any of its named executive officers. Bonuses paid to our named executive officers are purely
discretionary, as determined by our Compensation Committee, and may be paid in the year following the calendar year to which they relate.

The  Company  maintains,  and  the  named  executive  officers  participate  in,  a  401(k)  retirement  savings  plan.  Each  participant  who  is  a  United  States
employee may contribute to the 401(k) plan, through payroll deductions, up to 90% of his or her salary limited to the maximum allowed by the Internal
Revenue Service regulations. All amounts contributed by employee participants and earnings on these contributions are fully vested at all times and are not
taxable to participants until withdrawn. Employee participants may elect to invest their contributions in various established funds. The Company also makes
matching contributions to the accounts of all plan participants.

Except as set forth above, the Company’s named executive officers generally participate in the same programs as its other employees.

Outstanding Equity Awards at Fiscal Year-End

As of December 31, 2023, the Company’s named executive officers held the following outstanding equity or equity-based awards, all of which are earned:

82

 
 
 
 
 
Mark Filanowski
Chief Executive Officer

Gianni Del Signore
Chief Financial Officer

Mads Rosenberg Boye Petersen
Chief Operating Officer

Stock Award Grant Date

Number of Shares or Units of
Stock That Have Not Vested

Market Value of Shares or
Units of Stock That Have
Not Vested 

(1)

01/02/23
01/02/22
12/28/20
12/31/19
01/02/19

01/02/23
01/02/22
12/28/20
12/31/19
01/02/19

01/02/23
01/02/22
12/15/20
12/15/19
01/02/19

81,301  $
35,000  $
33,334  $
16,667  $
15,000  $
181,302 

50,813  $
30,000  $
36,667  $
18,334  $
16,667  $
152,481 

60,976  $
30,000  $
20,000  $
10,000  $
6,667  $

127,643 

669,920 
288,400 
274,672 
137,336 
123,600 
1,493,928 

418,699 
247,200 
302,136 
151,072 
137,336 
1,256,443 

502,442 
247,200 
164,800 
82,400 
54,936 
1,051,778 

(1)

 Market value is calculated by multiplying the number of restricted stock awards that have not vested by $8.24, which was the closing price of our common stock on the

Nasdaq Global Select Market on December 29, 2023, the last trading day of 2023. 

Retirement Benefits, Termination, Severance and Change in Control Payments

As of December 31, 2023, none of the Company’s officers, including its named executive officers, have any retirement benefits (other than their right to
participate in the Company’s 401(k) retirement plan, as described above) or have any rights to severance payments.

Compensation of Non-Employee Directors.

Under  the  compensation  program  for  our  non-employee  directors,  non-employee  directors  received  a  combination  of  cash  compensation  and  restricted
shares of our common stock, pursuant to the 2014 Long-Term Incentive Plan (the "2014 Plan"), as payment for services rendered as such members. See
ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS -
Equity Compensation Plan Information for additional information on the 2014 Plan.

Our  director  compensation  policy  provides  that  each  director  elected  or  appointed  to  the  Board  is  granted  a  RSU  award  with  a  grant-date  fair  value  of
approximately $100,000 calculated in accordance with ASC 718. Refer to Note 14, "Stock Incentive Plans and Non-Controlling Interest", to our financial
statements contained herein.

83

 
 
The following table sets forth compensation paid to or earned by our non-employee directors during 2023:  

(1)

Name 
Richard DuMoulin
Eric Rosenfeld
David Sgro
Anthony Laura
Claus Boggild
Karen H Beachy

Fees Earned or
Paid in Cash

Stock Awards 

(2)

Total

$
$
$
$
$
$

97,500  $
97,500  $
97,500  $
82,500  $
82,500  $
90,000  $

100,000  $
100,000  $
100,000  $
100,000  $
100,000  $
100,000  $

197,500 
197,500 
197,500 
182,500 
182,500 
190,000 

(1)

(2)

Information  for  Messrs.  Filanowski,  who  served  as  a  member  of  our  board  of  directors  in  2023,  are  not  included  in  this  table  because  he  did  not  receive
additional compensation for his services rendered as a member of our board of directors.
Represents  the  grant-date  fair  value  calculated  in  accordance  with  ASC  718.  Refer  to  Note  13,  "Stock  Incentive  Plans  and  Non-Controlling  Interest"  for
additional information.

We also reimburse our directors for reasonable and necessary out-of-pocket expenses incurred in attending Board and committee meetings or performing
other services for us in their capacities as directors.

84

 
 
 
ITEM  12.  SECURITY  OWNERSHIP  OF  CERTAIN  BENEFICIAL  OWNERS  AND  MANAGEMENT,  AND  RELATED  STOCKHOLDER
MATTERS

Equity Compensation Plan Information 

Plan Category
Equity compensation plans approved by
shareholders
Total

(a) Number of securities to
be issued upon exercise of
outstanding options, warrants,
and rights 

(b) Weighted-average
exercise price of
outstanding options,
warrants, and rights

(c) Number of securities remaining
available for future issuance under
equity compensation plans (excluding
securities reflected in column (a)) 

—  
—  

—  
—  

1,362,000 
1,362,000 

During 2014, the Company adopted, and our shareholders approved, the 2014 Share Incentive Plan (the “2014 Plan”). The purpose of the 2014 Plan is to
assist in attracting, retaining, motivating, and rewarding certain key employees, officers, directors, and consultants of the Company and its affiliates and
promoting the creation of long-term value for our shareholders by closely aligning the interests of such individuals with those of such shareholders. The
2014  Plan  authorizes  the  award  of  share-based  incentives  to  encourage  eligible  employees,  officers,  directors,  and  consultants,  as  described  below,  to
expend maximum effort in the creation of shareholder value.

On August 5, 2022, the Company's shareholders approved an amendment and restatement of the 2014 Plan that was adopted by the Board on May 6, 2022.
The PANGAEA LOGISTICS SOLUTIONS LTD. 2014 SHARE INCENTIVE PLAN (as amended and restated by the Board of Directors on May 6, 2022),
(the "Amended Plan"), increased the aggregate number of common shares with respect to which awards may be granted under the Amended Plan, such that
the total number of shares made available for grant is 6,200,000. There are 1,362,000 shares available for future issuance under the equity compensation
plans as of December 31, 2023.

Security Ownership of Certain Beneficial Owners

The following table sets forth information regarding the beneficial ownership of our common stock as of March 12, 2024 by:

•
•
•

each person known by us to be the beneficial owner of more than 5% of our outstanding shares of common stock;
each of our officers and directors; and
all of our officers and directors as a group.

Unless otherwise indicated, we believe that all persons named in the table have sole voting and investment power with respect to all shares of common stock
beneficially owned by them.

85

 
 
 
 
 
 
 
 
(1)

(3)

 Name and Address of Beneficial Owner 
Directors and Executive Officers:
Lagoa Investments 
c/o Phoenix Bulk Carriers (US) LLC
109 Long Wharf
Newport, RI 02840
Gianni DelSignore* 
109 Long Wharf 
Newport, RI 02840
Richard T. du Moulin*
52 Elm Avenue
Larchmont, NY 10538
(4)
Mark L. Filanowski 
109 Long Wharf
Newport, RI 02840
Mads Rosenberg Boye Petersen *
109 Long Wharf
Newport, RI 02840
Eric S. Rosenfeld
777 Third Ave, 37th Floor
New York, NY 10017
David D. Sgro* 
777 Third Ave, 37th Floor
New York, NY 10017
Karen H. Beachy *
4579 Thorpe Ct
Sparks, NV 89436

 *

All Directors and Officers as a Group

Five Percent Holders:
Lagoa Investments
Edward Coll and Julia Coll Irrevocable Trust for the benefit of Andrew
Coll, James Coll and Aidan Coll
BlackRock, Inc.

 *Less than 1%.

Amount and Nature of Beneficial
Ownership

Approximate Percentage of Beneficial
Ownership 

(2)

8,342,193 

17.86 %

333,368 

243,041 

405,683 

583,676 

599,617 

324,583 

44,593 

10,876,754 

8,342,193 

4,802,070 
2,516,994 

0.71 %

0.52 %

0.87 %

1.25 %

1.28 %

0.69 %

0.10 %

23.28 %

17.86 %

10.28 %
5.39 %

(1)

(2)

(3)

(4)

Unless otherwise indicated, the business address of each of the individuals is c/o Phoenix Bulk Carriers (US) LLC, 109 Long Wharf, Newport, Rhode Island 02840.

The beneficial ownership of the common shares by the shareholders set forth in the table is determined in accordance with Rule 13d-3 under the Exchange Act, and the
information is not necessarily indicative of beneficial ownership for any other purpose. Under such rule, beneficial ownership includes any common shares as to which
the shareholder has sole or shared voting power or investment power and also any common shares that the shareholder has the right to acquire within 60 days. The
percentage of beneficial ownership is calculated based on 46,721,228 outstanding common shares. Unless otherwise indicated, we believe that all persons named in the
table have sole voting and investment power with respect to all common shares beneficially owned by them.

Shares owned by Lagoa Investments. Mr. Boggild is the Managing Director of Lagoa Investments and solely for purposes of reporting beneficial ownership of such
shares pursuant to Section 13(d) of the Exchange Act, Mr. Boggild may be deemed to be the beneficial owner of the shares held by Lagoa Investments.

Shares owned by Mark Filanowski include 61,007 common shares held by his family members.

86

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ITEM 13. CERTAIN RELATIONSHIPS, RELATED PARTY TRANSACTIONS AND DIRECTOR INDEPENDENCE 

All ongoing and future transactions between us and any of our officers and directors or their respective affiliates will be on terms believed by us to be no
less favorable to us than are available from unaffiliated third parties. Such transactions will require prior approval by our audit committee and a majority of
our disinterested independent directors, in either case who had access, at our expense, to our attorneys or independent legal counsel. We will not enter into
any such transaction unless our audit committee and a majority of our disinterested independent directors determine that the terms of such transaction are no
less favorable to us than those that would be available to us with respect to such a transaction with unaffiliated third parties.

Related Party Policy

Our Code of Ethics requires us to avoid, wherever possible, all related party transactions that could result in actual or potential conflicts of interests, except
under  guidelines  approved  by  the  board  of  directors  (or  the  audit  committee).  Related-party  transactions  are  defined  as  transactions  in  which  (1)  the
aggregate amount involved will or may be expected to exceed $120,000 in any calendar year, (2) we or any of our subsidiaries is a participant, and (3) any
(a) executive officer, director or nominee for election as a director, (b) greater than 5% beneficial owner of our shares of common stock, or (c) immediate
family member, of the persons referred to in clauses (a) and (b), has or will have a direct or indirect material interest (other than solely as a result of being a
director or a less than 10% beneficial owner of another entity). A conflict of interest situation can arise when a person takes actions or has interests that may
make it difficult to perform his or her work objectively and effectively. Conflicts of interest may also arise if a person, or a member of his or her family,
receives improper personal benefits as a result of his or her position.

We also require each of our directors and executive officers to complete a directors’ and officers’ questionnaire that elicits information about related party
transactions.

These  procedures  are  intended  to  determine  whether  any  such  related  party  transaction  impairs  the  independence  of  a  director  or  presents  a  conflict  of
interest on the part of a director, employee or officer.

Related Party Transactions

For  more  information,  please  read  “Management’s  Discussion  and  Analysis  of  Financial  Condition  and  Results  of  Operations  —  Liquidity  and  Capital
Resources — Related Party Transactions.”

Director Independence

We  have  determined  that  Richard  du  Moulin,  Eric  Rosenfeld,  David  Sgro,  Anthony  Laura,  Carl  Claus  Boggild  and  Karen  Beachy  are  “independent
directors” under the Nasdaq listing rules, which is defined generally as a person other than an officer or employee of the Company or its subsidiaries or any
other individual having a relationship, which, in the opinion of the Company’s board of directors would interfere with the director’s exercise of independent
judgment in carrying out the responsibilities of a director.

ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES

The firm of Grant Thornton LLP acts as our independent registered public accounting firm. The following is a summary of fees paid to Grant Thornton LLP
for services rendered.

Audit Fees

Audit  fees  consist  of  the  fees  and  expenses  for  professional  services  rendered  in  connection  with  the  audit  of  the  Company’s  consolidated  financial
statements,  reviews  of  the  consolidated  financial  statements  included  in  each  of  the  Company’s  Quarterly  Reports  on  Form  10-Q  and  fees  for  services
related  to  the  Company’s  registration  statements,  consents,  and  assistance  with  and  review  of  documents  filed  with  the  SEC.  During  the  years  ended
December 31, 2023 and 2022, the Company incurred an aggregate of $961,144 and $899,411 in audit fees, respectively.

Audit-related fees

During each of the years ended December 31, 2023 and 2022, the Company incurred audit-related fees of $65,000 and $62,500, respectively, consisting of
the fees and expenses for the audit of Nordic Bulk Holding Company Ltd., a subsidiary of the Company.

87

 
 
 
 
 
 
 
 
 
 
 
Tax Fees

During the year ended December 31, 2023, the Company incurred tax related fees of $14,000. During the year ended December 31, 2022, the Company
incurred tax related fees of $14,000.

All Other Fees

During the years ended December 31, 2023 and 2022, there were no fees billed for services provided by our independent registered public accounting firm
other than those set forth above. 

Pre-Approval of Audit and Non-Audit Services

Our Audit Committee charter provides that all audit services and non-audit services must be pre-approved by the Audit Committee. The Audit Committee
may delegate authority to grant pre-approvals of audit and permitted non-audit services to a subcommittee consisting of one or more members of the Audit
Committee,  provided  that  any  pre-approvals  granted  by  any  such  subcommittee  must  be  presented  to  the  full  Audit  Committee  at  its  next  scheduled
meeting.  From  time  to  time,  the  Audit  Committee  has  delegated  to  the  Chairman  of  the  committee  the  authority  to  pre-approve  audit,  audit-related  and
permitted non-audit services.

All non-audit services were reviewed with the Audit Committee or the Chairman, which concluded that the provision of such services by Grant Thornton
LLP were compatible with the maintenance of such firm's independence in the conduct of their respective auditing functions.

88

 
 
 
 
ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES 

Contents

Report of Independent Registered Public Accounting Firm (PCAOB ID: 248)

Consolidated Financial Statements:

Consolidated Balance Sheets

Consolidated Statements of Income

Consolidated Statements of Changes in Stockholders' Equity

Consolidated Statements of Cash Flows

Notes to Consolidated Financial Statements

F-1

Page

F-2

F-5

F-6

F-7

F-8

F-9

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Board of Directors and Stockholders
Pangaea Logistic Solutions Ltd.

Opinion on the financial statements
We have audited the accompanying consolidated balance sheets of Pangea Logistics Solutions Ltd. (a Bermuda corporation) and subsidiaries (the
“Company”) as of December 31, 2023 and 2022, the related consolidated statements of income, changes in stockholders’ equity, and cash flows for each of
the two years in the period ended December 31, 2023, and the related notes (collectively referred to as the “financial statements”). In our opinion, the
financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2023 and 2022, and the results of its
operations and its cash flows for each of the two years in the period ended December 31, 2023, in conformity with accounting principles generally accepted
in the United States of America.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (“PCAOB”), the Company’s
internal control over financial reporting as of December 31, 2023, based on criteria established in the 2013 Internal Control—Integrated Framework issued
by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”), and our report dated March 14, 2024 expressed an unqualified
opinion.

Basis for opinion
These financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on the Company’s financial
statements based on our audits. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company
in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable
assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing
procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to
those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also
included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the
financial statements. We believe that our audits provide a reasonable basis for our opinion.

Critical audit matter
The critical audit matters communicated below are matters arising from the current period audit of the financial statements that were communicated or
required to be communicated to the audit committee and that: (1) relate to accounts or disclosures that are material to the financial statements and (2)
involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion
on the financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing a separate opinions on the
critical audit matter or on the accounts or disclosures to which they relate.

Vessel Impairment Analysis

As described further in Note 3 to the financial statements, the Company identified a triggering event which required management to evaluate each vessel
asset group for impairment. As a result, an impairment analysis was performed for each vessel asset group to determine whether the estimated undiscounted
future cash flows exceed the vessel asset group’s carrying amount. We identified the Company’s vessel impairment analysis as a critical audit matter.

The principal considerations for our determination that the Company’s vessel impairment analysis is a critical audit matter is that the impairment analysis
for each vessel asset group requires management to make significant estimates and assumptions related to forecasts of future cash flows, including but not
limited to revenue growth rates, projected expenses, drydocking costs and estimated vessel salvage values. Evaluating the reasonableness of these estimates
and projections require significant auditor judgment.

Our audit procedures related to the Company’s vessel impairment analysis included the following, among others.

• We tested the design and operating effectiveness of internal controls over the Company's vessel impairment analysis.

F-2

• We evaluated the reasonableness of the projected time charter equivalent (TCE) rates and projected expenses, including drydocking costs, used in
management's undiscounted cash flow analysis for each vessel asset group for consistency with historical data and changes in the business.

• We agreed the inputs included in management's estimated salvage value calculation to third-party sources.
• We performed sensitivity analyses on the projected revenue, expenses, and useful lives used in the impairment analysis to evaluate the impact on

the conclusions reached.

Valuation of Accounts Receivable

As described further in Note 3 to the financial statements, the Company had a significant customer who accounted for 37% of the trade receivable balance
as of December 31, 2023. These accounts receivable relate to services performed under a contract of affreightment during 2023. We identified the valuation
of the accounts receivable as a critical audit matter.

The principal considerations for our determination that the measurement of the receivable is a critical audit matter is that there is a degree of estimation
uncertainty resulting from management judgment of the customer’s ability to meet its remaining payment obligation under the contract. Given the
customer’s balance is past due, management qualitatively evaluated whether any credit losses exist, including consideration of alternative funding sources
the customer may use to meet the obligation. Management’s qualitative evaluation of the measurement of receivables and the determination of the
customer’s ability and intent to remit payment required a high degree of auditor judgment and an increased extent of effort to assess the reasonableness of
management’s estimates and assumptions.

Our audit procedures related to the measurement of the receivable included the following, among others.

• We tested the design and operating effectiveness of internal controls over the assessment of the receivable.
• We tested management’s process related to the qualitative assessment and obtained an understanding of the relevant facts and circumstances related

to the status of collection

• We confirmed the outstanding balance, intent to pay and the existence and accuracy of agreements with the customer as of December 31, 2023.
• We inspected guarantees from the ultimate parent company of the customer (“Parent”) and financial information of the Parent and corroborated

their ability to pay.

• We inspected support for cash collections subsequent to year-end

/s/ GRANT THORNTON LLP

We have served as the Company’s auditor since 2013.

Boston, Massachusetts
March 14, 2024

F-3

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Board of Directors and Stockholders
Pangaea Logistic Solutions Ltd.

Opinion on Internal Control over Financial Reporting

We have audited the internal control over financial reporting of Pangaea Logistics Solutions Ltd. (a Bermuda corporation) and subsidiaries (the “Company”)
as of December 31, 2023, based on criteria established in the 2013 Internal Control—Integrated Framework issued by the Committee of Sponsoring
Organizations of the Treadway Commission (“COSO”). In our opinion, the Company maintained, in all material respects, effective internal control over
financial reporting as of December 31, 2023, based on criteria established in the 2013 Internal Control—Integrated Framework issued by COSO.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (“PCAOB”), the consolidated
financial statements of the Company as of and for the year ended December 31, 2023, and our report dated March 14, 2024 expressed an unqualified on
those financial statements.

Basis for opinion

The Company’s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of
internal control over financial reporting, included in the accompanying Management’s Report on Internal Control Over Financial Reporting. Our
responsibility is to express an opinion on the Company’s internal control over financial reporting based on our audit. We are a public accounting firm
registered with the PCAOB and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the
applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable
assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an
understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing and evaluating the design and operating
effectiveness of internal control based on the assessed risk, and performing such other procedures as we considered necessary in the circumstances. We
believe that our audit provides a reasonable basis for our opinion.

Our audit of, an opinion on, the Company’s internal control over financial reporting does not include the internal control over financial reporting of Pangaea
Baltimore LLC, a wholly-owned subsidiary whose financial statements reflect total assets and total revenue constituting less than one percent, respectively,
and Pangaea Port Everglades LLC, a wholly-owned subsidiary, whose financial statements reflect total assets and revenues constituting of one percent,
respectively, of the related consolidated financial statements as of and for the year ended December 31, 2023. As indicated in Management’s Report, these
subsidiaries were acquired during 2023. Management’s assertion on the effectiveness of the Company’s internal control over financial reporting excluded
the internal control over financial reporting of Pangaea Baltimore LLC and Pangaea Port Everglades LLC.

Definition and limitations of internal control over financial reporting

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting
and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company’s internal control
over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly
reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit
preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being
made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or
timely detection of unauthorized acquisition, use, or disposition of the company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of
effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of
compliance with the policies or procedures may deteriorate.

/s/ GRANT THORNTON LLP

Boston, Massachusetts
March 14, 2024

F-4

Pangaea Logistics Solutions Ltd.
Consolidated Balance Sheets

Assets
Current Assets
Cash and cash equivalents
Accounts receivable (net of allowance of $5,657,837 and $4,367,848 at December 31, 2023 and 2022,
respectively)
Bunker inventory
Advance hire, prepaid expenses and other current assets
Total current assets
Fixed assets, at cost, net of accumulated depreciation of $127,015,253 and $108,844,668, at December 31,
2023 and 2022, respectively
Finance lease right of use assets, at cost, net of accumulated depreciation of $10,393,823 and $12,139,654
at December 31, 2023 and 2022, respectively
Goodwill
Other Non-current Assets

Total assets

Liabilities and stockholders' equity
Current liabilities
Accounts payable, accrued expenses and other current liabilities
Deferred revenue
Current portion of long-term debt
Current portion of finance lease liabilities
Dividends payable
Total current liabilities

Secured long-term debt, net
Finance lease liabilities
Long-term liabilities - other - Note 11

Commitments and contingencies - Note 12

Stockholders' equity:
Preferred stock, $0.0001 par value, 1,000,000 shares authorized and no shares issued or outstanding
Common stock, $0.0001 par value, 100,000,000 shares authorized, 46,466,622 and 45,898,395 shares
issued and outstanding at December 31, 2023 and 2022, respectively
Additional paid-in capital
Retained Earnings
Total Pangaea Logistics Solutions Ltd. equity
Non-controlling interests
Total stockholders' equity

Total liabilities and stockholders' equity

The accompanying notes are an integral part of these consolidated financial statements

F-5

December 31, 2023

December 31, 2022

$

99,037,866  $

128,384,606 

47,891,501 
16,556,266 
28,340,246 
191,825,879 

36,755,149 
29,104,436 
28,266,831 
222,511,022 

474,265,171 

476,524,752 

30,393,823 
3,104,800 
5,590,295 
705,179,968  $

43,921,569 
— 
5,284,127 
748,241,470 

35,836,262  $
15,629,886 
30,751,726 
21,970,124 
1,146,321 
105,334,319 

68,446,309 
143,266,867 
17,936,540 

38,554,131 
20,883,958 
15,782,530 
16,365,075 
626,178 
92,211,872 

98,819,739 
168,513,939 
19,974,390 

— 

— 

4,648 
164,854,546 
159,026,799 
323,885,993 
46,309,940 
370,195,933 
705,179,968  $

4,590 
162,894,080 
151,327,392 
314,226,062 
54,495,468 
368,721,530 
748,241,470 

$

$

$

 
 
 
 
 
 
 
 
 
 
 
 
Pangaea Logistics Solutions Ltd.
Consolidated Statements of Income

Revenues:

Voyage revenue
Charter revenue
Terminal & stevedore revenue

Total revenue

Operating expenses:
Voyage expense
Charter hire expense
Terminal & stevedore expenses
Vessel operating expenses
General and administrative
Depreciation and amortization
Loss on impairment of vessels
Loss on sale of vessels
Total operating expenses

Income from operations

Other (expense) income:

Interest expense
Interest income
Income attributable to Non-controlling interest recorded as long-term liability interest expense
Unrealized (loss) gain on derivative instruments
Other income

Total other expense, net

Net income
Income attributable to noncontrolling interests

Net income attributable to Pangaea Logistics Solutions Ltd.

Earnings per common share:
Basic

Diluted

Weighted average shares used to compute earnings per common share
Basic

Diluted

The accompanying notes are an integral part of these consolidated financial statements

F-6

Years ended December 31,
2022
2023

$

468,580,914  $
23,715,895 
6,971,025 
499,267,834 

640,033,668 
59,673,238 
— 
699,706,906 

227,434,670 
111,033,537 
5,809,025 
55,783,562 
22,780,937 
30,070,395 
— 
1,738,511 
454,650,637 

262,088,555 
222,332,197 
— 
56,859,340 
20,103,346 
29,489,810 
3,007,809 
318,032 
594,199,089 

44,617,197 

105,507,817 

(17,025,547)
3,572,134 
(462,150)
(2,925,347)
761,485 
(16,079,425)

28,537,772 
(2,214,472)
26,323,300  $

(15,704,233)
932,069 
(6,717,414)
682,323 
807,142 
(20,000,113)

85,507,704 
(6,016,291)
79,491,413 

0.59  $

0.58  $

1.79 

1.76 

44,773,899 

45,475,453 

44,398,987 

45,059,587 

$

$

$

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pangaea Logistics Solutions Ltd. Consolidated Statements of Changes in Stockholders' Equity

Common Stock

Amount

Additional Paid-
in Capital

Retained
Earnings

4,562  $
— 

161,534,280  $
1,767,726 

85,663,375  $

— 

Total Pangaea
Logistics 
Solutions Ltd.
Equity
247,202,217  $
1,767,726 

Non-
Controlling
Interest

Total
Stockholders'
Equity

Shares
45,617,840  $

— 

280,555 
— 
— 
— 

45,898,395  $

— 

28 
— 
— 
— 
4,590  $
— 

(407,926)
— 
— 
— 

162,894,080  $
2,087,807 

— 
— 
(13,827,396)
79,491,413 
151,327,392  $

— 

— 

(407,898)
— 
(13,827,396)
79,491,413 
314,226,062  $
2,087,807 

(127,283)

568,227 

58 

(127,341)

53,479,177  $

— 

— 
(5,000,000)
— 
6,016,291 
54,495,468  $

— 

— 

300,681,394 
1,767,726 

(407,898)
(5,000,000)
(13,827,396)
85,507,704 
368,721,530 
2,087,807 

(127,283)

(10,400,000)
(18,623,893)
28,537,772 
370,195,933 

Balance at December 31, 2023

46,466,622  $

— 
— 
— 

— 
— 
— 
4,648  $

— 
— 
— 

164,854,546  $

— 
(18,623,893)
26,323,300 
159,026,799  $

— 
(18,623,893)
26,323,300 
323,885,993  $

(10,400,000)
— 
2,214,472 
46,309,940  $

Balance at December 31, 2021
Share-based compensation
Issuance of restricted shares, net of
forfeitures
Distribution to Non-Controlling Interests
Common Stock Dividend
Net income
Balance at December 31, 2022
Share-based compensation
Issuance of restricted shares, net of
forfeitures
Distribution to Non-Controlling
interests
Common Stock Dividend
Net income

The accompanying notes are an integral part of these consolidated financial statements

F-7

Pangaea Logistics Solutions, Ltd.
Consolidated Statements of Cash Flows

Operating activities
Net income
Adjustments to reconcile net income to net cash provided by operations:

Depreciation and amortization expense
Amortization of deferred financing costs
Amortization of prepaid rent
Unrealized loss (gain) on derivative instruments
Income from equity method investee
Earnings attributable to non-controlling interest recorded as interest expense
Provision for doubtful accounts
Loss on impairment of vessels
Loss on sales of vessels
Drydocking costs
Share-based compensation
Change in operating assets and liabilities:

Accounts receivable
Bunker inventory
Advance hire, prepaid expenses and other current assets
Accounts payable, accrued expenses and other current liabilities
Deferred revenue

Net cash provided by operating activities

Investing activities
Purchase of vessels and vessel improvements
Proceeds from sale of vessels
Acquisitions, net of cash acquired
Purchase of equipment and internal use software
Contribution to non-consolidated subsidiaries and other investments
Dividends received from equity method investments
Net cash used in investing activities

Financing activities
Proceeds from long-term debt
Payments of financing and issuance costs
Payments of long-term debt
Proceeds from finance leases
Payments on finance lease obligation
Payments on other long-term liability
Dividends paid to non-controlling interests
Common stock accrued dividends paid
Cash paid for incentive compensation shares relinquished
Payments to non-controlling interest recorded as long-term liability
Net cash used in financing activities

Net (decrease) increase in cash and cash equivalents
Cash and cash equivalents at beginning of period

Cash and cash equivalents at end of period

Supplemental cash flow items:

Cash paid for interest

The accompanying notes are an integral part of these consolidated financial statements

F-8

Years ended December 31,

2023

2022

$

28,537,772  $

85,507,704 

30,070,395 
946,593 
121,532 
2,925,347 
(684,470)
462,150 
2,938,879 
— 
1,738,511 
(4,154,283)
2,087,807 

(14,075,231)
12,548,170 
(342,776)
(4,079,047)
(5,254,072)
53,787,277 

(27,264,044)
17,271,489 
(7,200,000)
— 
(427,270)
1,637,500 
(15,982,325)

— 
— 
(15,782,528)
— 
(20,238,131)
— 
(10,400,000)
(18,103,750)
(127,283)
(2,500,000)
(67,151,692)

(29,346,740)
128,384,606  $
99,037,866  $

29,489,810 
1,005,487 
122,343 
(682,323)
(807,142)
6,717,414 
2,377,389 
3,007,809 
318,032 
(6,019,126)
1,767,726 

15,126,727 
(1,956,676)
19,086,893 
(8,939,313)
(11,321,354)
134,801,400 

(35,740,482)
8,400,000 
— 
(653,452)
(515,162)
— 
(28,509,096)

8,500,000 
(466,544)
(15,443,115)
15,000,000 
(15,834,059)
(5,000,000)
(5,000,000)
(13,414,984)
(407,898)
(2,050,000)
(34,116,600)

72,175,704 
56,208,902 
128,384,606 

18,850,078  $

14,906,972 

$
$

$

 
 
 
 
 
 
 
 
 
 
NOTE 1 - GENERAL INFORMATION

Pangaea  Logistics  Solutions  Ltd.  and  its  subsidiaries  (collectively,  the  “Company”  or  “Pangaea”)  provides  seaborne  drybulk  logistics  and  transportation
services. Pangaea utilizes its logistics expertise to service a broad base of industrial customers who require the transportation of a wide variety of drybulk
cargoes,  including  grains,  pig  iron,  hot  briquetted  iron,  bauxite,  alumina,  cement  clinker,  dolomite  and  limestone.  The  Company  addresses  the  logistics
needs of its customers by undertaking a comprehensive set of services and activities, including cargo loading, cargo discharge, vessel chartering, voyage
planning, and technical vessel management.

At December 31, 2023 the Company owned three Panamax, two Ultramax Ice Class 1C, two Ultramax and seven Supramax vessels.

The Company owns two-thirds of consolidated subsidiary Nordic Bulk Holding Company Ltd. (“NBHC”) which owns a fleet of six Panamax Ice Class 1A
drybulk vessels. The Company owns 50% of Nordic Bulk Partners LLC. ("NBP") which owns a fleet of four Post Panamax Ice Class 1A drybulk vessels.
The  Company  also  has  a  50%  interest  in  the  owner  of  a  deck  barge.  On  June  1,  2023,  the  Company  completed  the  acquisition  of  port  and  terminal
operations in Fort Lauderdale, Florida and Baltimore, Maryland.

NOTE 2 – NATURE OF ORGANIZATION

The consolidated financial statements include the operations of Pangaea Logistics Solutions Ltd. and its wholly-owned subsidiaries (collectively referred to
as “the Company”), as well as other entities consolidated pursuant to Accounting Standards Codification (“ASC”) 810, Consolidation. A summary of the
Company’s consolidation policy is provided in Note 3. A summary of the Company’s variable interest entities is provided at Note 5. At December 31, 2023
and 2022, entities that are consolidated pursuant to ASC 810-10 include the following wholly-owned subsidiaries:

•

•

•

Bulk Partners (Bermuda) Ltd. (“Bulk Partners”) – a corporation that was duly organized under the laws of Bermuda. The primary purpose of
this corporation is a holding company.

Phoenix Bulk Carriers (BVI) Limited – a corporation that was duly organized under the laws of the British Virgin Islands. The primary purpose
of this corporation is to provide logistics services to its customers, and to manage and operate ocean-going vessels. The Company was renamed
Pangaea Logistics Solutions (BVI) Limited ("Pangaea BVI") in 2023.

Phoenix  Bulk  Management  Bermuda  Limited  (“PBM”)  –  a  corporation  that  was  duly  organized  under  the  laws  of  Bermuda.  Certain  of  the
administrative management functions of PBC have been assigned to PBM.

• Americas  Bulk  Transport  (BVI)  Limited  –  a  corporation  that  was  duly  organized  under  the  laws  of  the  British  Virgin  Islands.  The  primary

purpose of this corporation is to charter ships.

•

•

Bulk  Ocean  Shipping  (Bermuda)  Ltd.  –  a  corporation  that  was  duly  organized  under  the  laws  of  Bermuda.  The  primary  purpose  of  this
corporation is to manage the fuel procurement of the chartered vessels.

Phoenix Bulk Carriers (US) LLC – a corporation that duly organized under the laws of Delaware. The primary purpose of this corporation is to
act as the U.S. administrative agent for the Company.

• Allseas Logistics Bermuda Ltd. – a corporation that was duly organized under the laws of Bermuda. The primary purpose of this corporation is

the Treasury Agent for the group of Companies.

• Narragansett  Bulk  Carriers  (US)  Corp.  -  a  corporation  organized  in  July  2012  under  the  laws  of  Rhode  Island.  The  primary  purpose  of  this

corporation is to manage and operate ocean-going vessels.

•

Bulk Pangaea Limited (“Bulk Pangaea”) – a corporation that was duly organized under the laws of Bermuda. Bulk Pangaea was established in
September 2009 for the purpose of acquiring the m/v Bulk Pangaea.

F-9

 
 
 
 
•

•

•

Bulk Trident Ltd. (“Bulk Trident”) – a corporation that was duly organized under the laws of Bermuda. Bulk Trident was established in August
2012 for the purpose of acquiring the m/v Bulk Trident.

Bulk Phoenix Ltd. (“Bulk Phoenix”) – a corporation that was duly organized under the laws of Bermuda. Bulk Phoenix was established in July
2013 for the purpose of acquiring the m/v Bulk Newport.

109 Long Wharf LLC (“Long Wharf”) – a limited liability company that was duly organized under the laws of Delaware for the objective and
purpose of holding real estate located in Newport, Rhode Island.

• Nordic Bulk Ventures (Cyprus) Limited (“NBV”) – a corporation that was duly organized in April 2009 under the laws of Cyprus. NBV is the
holding  company  of  Nordic  Bulk  Carriers  AS  (“NBC”).  NBC's  name  was  changed  to  Pangaea  Logistics  Solutions  Denmark  AS  ("Pangaea
Denmark") in  2023.  Pangaea  Denmark  specializes  in  ice  trading,  as  well  as  the  carriage  of  a  wide  range  of  commodities,  including  cement
clinker, steel scrap, fertilizers, and grains.

•

Pangaea Logistics Solutions Singapore Pte. Ltd. ("Pangaea Singapore") - a corporation that was duly organized in March 2014 under the laws of
Singapore. Pangaea Singapore focuses on chartering and operating bulk carriers trading in a wide range of commodities; and is a wholly-owned
subsidiary of Pangaea Denmark.

• Nordic  Bulk  Ventures  Holding  Company  Ltd.  (“BVH”)  –  a  corporation  that  was  duly  organized  under  the  laws  of  Bermuda.  BVH  was
established  in  August  2013  for  the  purpose  of  owning  Bulk  Nordic  Five  Ltd.  (“Five”)  and  Bulk  Nordic  Six  Ltd.  (“Six”).  Five  and  Six  are
corporations that were duly organized under the laws of Bermuda in November 2013 for the purpose of owning m/v Bulk Destiny and m/v Bulk
Endurance, Ultramax newbuildings delivered in January 2017. The Company acquired its joint venture partner's 50% interest in January 2017
for $0.8 million after which BVH is a wholly-owned subsidiary of the Company.

•

•

•

•

•

•

•

•

•

•

Bulk  Freedom  Corp.  (“Bulk  Freedom”)  –  a  corporation  that  was  duly  organized  under  the  laws  of  the  Marshall  Islands.  Bulk  Freedom  was
established in May 2017 for the purpose of acquiring the m/v Bulk Freedom.

Bulk Pride Corp. (“Bulk Pride”) – a corporation that was duly organized under the laws of the Marshall Islands. Bulk Pride was established in
October 2017 for the purpose of acquiring the m/v Bulk Pride.

Flintstone Ventures Limited ("FVL") - a corporation that was duly organized under the laws of the Province of Nova Scotia on March 17, 2017.
FVL focuses on the carriage of specialized cargo.

Bulk PODS Ltd. (“Bulk PODS”) – a corporation that was duly organized under the laws of the Marshall Islands. Bulk PODS was established in
April 2018 for the purpose of acquiring the m/v Bulk PODS. The vessel was renamed m/v Bulk Xaymaca in 2022.

Bulk Spirit Ltd. (“Bulk Spirit”) – a corporation that was duly organized under the laws of the Marshall Islands. Bulk Spirit was established in
October 2018 for the purpose of acquiring the m/v Bulk Spirit.

Bulk  Independence  Ltd.  (“Bulk  Independence”)  –  a  corporation  that  was  duly  organized  under  the  laws  of  the  Marshall  Islands.  Bulk
Independence was established in May 2019 for the purpose of acquiring the m/v Bulk Independence.

Bulk Friendship Ltd. (“Bulk Friendship”) – a corporation that was duly organized under the laws of the Marshall Islands. Bulk Friendship was
established in September 2019 for the purpose of acquiring the m/v Bulk Friendship.

Bulk Courageous Corp. (“Bulk Courageous”) – a corporation that was duly organized under the laws of the Marshall Islands. Bulk Courageous
was established in January 2021 for the purpose of acquiring the m/v Bulk Courageous.

Bulk Valor Corp. (“Bulk Valor”) – a corporation that was duly organized under the laws of the Marshall Islands. Bulk Valor was established in
May 2021 for the purpose of acquiring the m/v Bulk Valor.

Bulk  Promise  Corp.  (“Bulk  Promise”)  –  a  corporation  that  was  duly  organized  under  the  laws  of  the  Marshall  Islands.  Bulk  Promise  was
established in April 2021 for the purpose of acquiring the m/v Bulk Promise.

F-10

•

•

•

•

•

•

•

Phoenix Bulk 25 Corp. (“Phoenix Bulk 25”) – a corporation that was duly organized under the laws of the Marshall Islands. Phoenix Bulk 25
was established in November 2021 for the purpose of acquiring the m/v Bulk Concord.

Bulk  Sachuest  Corp.  (“Bulk  Sachuest")  –  a  corporation  that  was  duly  organized  under  the  laws  of  the  Marshall  Islands.  Bulk  Sachuest  was
established in August 2022 for the purpose of acquiring the m/v Bulk Sachuest.

Bulk Prudence Corp. (“Bulk Prudence") – a corporation that was duly organized under the laws of the Marshall Islands. Bulk Prudence was
established in April 2023 for the purpose of acquiring the m/v Bulk Prudence.

Pangaea Logistics Solutions (US) LLC ("PANL US") – a corporation that was duly organized under the laws of Delaware, was established in
2019 for the purpose of managing the Company's U.S.-based business activities.

Pangaea  Baltimore  LLC  -  a  corporation  that  was  duly  organized  under  the  laws  of  Delaware,  was  established  in  2023  for  the  purpose  of
acquiring Terminal and Stevedore operations at Port Baltimore, Maryland.

Pangaea Port Everglades LLC - a corporation that was duly organized under the laws of Delaware, was established in 2023 for the purpose of
acquiring Terminal and Stevedore operations at Port Everglades, Florida.

Bay Stevedoring LLC - a corporation that was duly organized under the laws of Delaware, was established in 2019 for the primary purpose of
managing and operating a port terminal in Louisiana.

At December 31, 2023 and 2022, entities that are consolidated pursuant to ASC 810-10, but which are not wholly-owned, include the following: 

• Nordic Bulk Holding Company Ltd. (“NBHC”) - a corporation that was duly organized under the laws of Bermuda. NBHC was established in
October 2012, for the purpose of owning Bulk Nordic Odyssey Ltd. (“Bulk Odyssey”) and Bulk Nordic Orion Ltd. (“Bulk Orion”) and to invest
in  additional  vessels  through  its  wholly-owned  subsidiaries.  On  September  28,  2020,  the  Company  acquired  an  additional  one-third  equity
interest in its partially-owned consolidated subsidiary Nordic Bulk Holding Company Ltd. (“NBHC”) from one of NBHC’s shareholders. The
Company owns two-thirds equity interest of NBHC after the acquisition and the remainder one-third equity interest is owned by a third-party at
December 31, 2023. The Company determined that NBHC is a VIE and that it is the primary beneficiary of NBHC, as it has the power to direct
its  activities  through  time  charter  arrangements  with  Pangaea  Denmark  covering  all  of  its  owned  vessels.  Accordingly,  the  Company  has
consolidated NBHC for the years ended December 31, 2023 and 2022. Bulk Odyssey, Bulk Orion, Bulk Nordic Oshima Ltd. (“Bulk Oshima”),
Bulk Nordic Olympic Ltd. (“Bulk Olympic”), Bulk Nordic Odin Ltd. (“Bulk Odin”) and Bulk Nordic Oasis Ltd. (“Bulk Oasis”), corporations
duly organized under the laws of Bermuda between March 2012 and February 2015, are owned by NBHC. These entities were established for
the purpose of owning m/v Nordic Odyssey, m/v Nordic Orion, m/v Nordic Oshima, m/v Nordic Olympic, m/v Nordic Odin and m/v Nordic
Oasis,  respectively.  On  December  23,  2020  NBHC  formed  two  new  wholly  owned  subsidiaries,  Bulk  Nordic  Odyssey  (MI)  Corp.,  and  Bulk
Nordic  Orion  (MI)  Corp.  for  the  purpose  of  transferring  ownership  of  the  m/v  Nordic  Odyssey  and  m/v  Nordic  Orion  to  these  companies
respectively. On January 21, 2021 NBHC formed four new wholly owned subsidiaries, Bulk Nordic Oasis (MI) Corp., Bulk Nordic Odin (MI)
Corp.,  Bulk  Nordic  Olympic  (MI)  Corp.,  and  Bulk  Nordic  Oshima  (MI)  Corp.  for  the  purpose  of  transferring  ownership  of  the  m/v  Nordic
Oasis, m/v Nordic Odin, m/v Nordic Olympic and m/v Nordic Oshima to these companies respectively.

• Venture Logistics NL Inc. ("VLNL") - a corporation that was duly organized m/v in Newfoundland and Labrador, Canada on October 19, 2018.
VLNL  was  established  for  the  purpose  of  owning  and  operating  a  deck  barge.  At  December  31,  2023  the  Company  had  a  50%  ownership
interest in VLNL with the other 50% ownership interest owned by the independent third-party.

• Nordic Bulk Partners LLC. (“NBP”) – a corporation that was duly organized under the laws of the Marshall Island. NBP was established in
September  2019  for  the  purpose  of  providing  funding  to  Bulk  Seven,  Bulk  Eight,  Bulk  Nine,  and  Bulk  Ten  for  the  construction  of  four
newbuilding vessels and subsequently at completion and delivery of the newbuilding vessels owning Bulk Seven, Bulk Eight, Bulk Nine, and
Bulk Ten. Bulk Seven, Bulk Eight, Bulk Nine and Bulk Ten are corporations that were duly organized under the laws of the Marshall Islands in
September  2019  for  the  purpose  of  constructing  and  owning  Post-Panamax  newbuilding  vessels  named  m/v  Nordic  Nuluujaak,  m/v  Nordic
Qinngua, m/v Nordic Sanngijuq and m/v Nordic Siku, respectively, the four newbuilding vessels were delivered in 2021. At December 31, 2023
the Company had a 50% ownership interest in NBP with the other 50% ownership interest owned by the independent third-party.

F-11

NOTE 3 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

This summary of significant accounting policies of the Company and its subsidiaries is presented to assist in understanding the Company’s consolidated
financial  statements.  These  accounting  policies  conform  to  accounting  principles  generally  accepted  in  the  United  States,  and  have  been  applied  in  the
preparation of the consolidated financial statements.

Basis of Presentation

The accompanying consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles ("U.S. GAAP").
The  accompanying  consolidated  financial  statements  present  separately  our  financial  position,  results  of  operations,  cash  flows,  and  changes  in
shareholders’ equity.

All intercompany balances and transactions have been eliminated. Certain reclassifications have been made to prior periods to conform to current period
presentation.

Principles of Consolidation

The purpose of consolidated financial statements is to present the financial position and results of operations of a company and its subsidiaries as if the
group  were  a  single  company.  The  first  step  in  the  Company’s  consolidation  policy  is  to  determine  whether  an  entity  is  to  be  evaluated  for  potential
consolidation based on its outstanding voting interests or its variable interests. Accordingly, the Company first determines whether the entity is a Variable
Interest Entity (“VIE”) pursuant to the provisions of ASC 810-10. If the entity is a VIE, consolidation is based on the entity’s variable interests and not its
outstanding voting shares. If the entity is not determined to be a VIE, the Company evaluates the entity based on its outstanding voting interests.

Amounts  pertaining  to  the  non-controlling  interests  and  redeemable  noncontrolling  interests  held  by  third  parties  in  the  financial  position  and  operating
results  of  the  Company’s  subsidiaries  and/or  consolidated  VIEs  are  reported  as  non-controlling  interest  and  redeemable  noncontrolling  interests  in  the
accompanying consolidated balance sheets.

As part of the Company’s consolidation process, all intercompany balances and transactions are eliminated in the consolidated financial statements.

Use of Estimates

The  preparation  of  financial  statements  in  conformity  with  accounting  principles  generally  accepted  in  the  United  States  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.
Significant  estimates  include  the  percentage  completion  of  spot  voyages,  the  establishment  of  the  allowance  for  doubtful  accounts  and  the  estimate  of
salvage value used in determining vessel depreciation expense.

Revenue Recognition

Voyage revenues represent revenues earned by the Company, principally from providing transportation services under voyage charters. A voyage charter
involves the carriage of a specific amount and type of cargo on a load port to discharge port basis, subject to various cargo handling terms. Under a voyage
charter, the service revenues are earned and recognized ratably over the duration of the voyage. Estimated losses under a voyage charter are provided for in
full  at  the  time  such  losses  become  probable.  The  voyage  contract  generally  has  standard  payment  terms  of  95%  freight  paid  within  three  days  after
completion of loading.

Demurrage, which is included in voyage revenues, represents payments by the charterer to the vessel owner when loading and discharging time exceed the
stipulated  time  in  the  voyage  charter.  The  voyage  charter  party  generally  has  a  “demurrage”  or  “despatch”  clause.  As  per  this  clause,  the  charterer
reimburses the Company for any potential delays exceeding the allowed laytime as per the charter party clause at the ports visited which is recorded as
demurrage  revenue.  Conversely,  the  charterer  is  given  credit  if  the  loading/discharging  activities  happen  within  the  allowed  laytime  known  as  despatch
resulting in a reduction in revenue. In a voyage charter contract, the performance obligations begin to be satisfied once the vessel begins loading the cargo.
The  demurrage  and  despatch  represent  variable  consideration  which  is  estimated  at  contract  inception.  Voyage  revenue  recognized  is  presented  net  of
address commissions.

F-12

 
 
 
 
 
Charter revenues relate to a time charter arrangement under which the Company is paid to provide transportation services on a per day basis for a specified
period of time. Revenues from time charters are earned and recognized on a straight-line basis over the term of the charter, as the charters do not fall under
the scope of ASC 606. Revenue is not earned when vessels are offhire.

Costs incurred in fulfillment of a contract that meet certain criteria are deferred and recognized when or as the related performance obligations are satisfied.
The contract fulfillment costs consist primarily of the fuel consumption that is incurred by the Company from the latter of the end of the previous vessel
employment and the contract date until the arrival at the loading port in addition to any port expenses incurred prior to arrival at the load port, as well as any
charter  hire  expenses  for  third  party  vessels  that  are  chartered-in. The  fuel  consumption  and  any  port  expenses  incurred  prior  to  arrival  at  the  load  port
during  this  period  are  capitalized  and  recorded  in  Bunker  inventory  and  Advance  hire,  prepaid  expenses  and  other  current  assets,  respectively  in  the
Consolidated Balance Sheets and are amortized ratably over the total transit time of the voyage from arrival at the loading port until the vessel departs from
the discharge port and expensed as part of Voyage expense. As of December 31, 2023 and 2022, the Company recognized $2.0 million and $2.3 million,
respectively,  of  deferred  costs  which  represents  bunker  expenses  and  charter  hire  expenses  incurred  prior  to  commencement  of  loading.  These  costs  are
recorded in Advance hire, prepaid expenses and other current assets in the Consolidated Balance Sheet and are expensed as part of Voyage expense and
Charter hire expense. Similarly, for any third party vessels that are chartered-in, the charter hire expenses during this period are capitalized and recorded in
Advance hire, prepaid expenses and other current assets in the Consolidated Balance Sheets and are expensed as part of Charter hire expense.

The performance obligations under our contracts are transportation services, which are received and consumed by our customers over time, as we perform
the services. Revenues are recognized using the input method, proportionate to the days elapsed since the service commencement compared to the total days
anticipated to complete the service. Under the ASC 606 revenue recognition standard, voyage revenue is recognized over the period between load port and
discharge port. Costs to fulfill contracts for voyages for which loading has not commenced are recognized as assets and amortized pro rata over the period
between load and discharge. Costs to obtain a contract are expensed as incurred, as provided by a practical expedient, since all such costs are expected to be
amortized over less than one year.    

Assets  and  liabilities  related  to  our  voyage  contracts  with  customers  are  reported  on  a  contract-by-contract  basis  at  the  end  of  each  reporting
period.  Contract  assets  also  include  accounts  receivable  for  amounts  billed  and  currently  due  from  customers,  which  are  reported  at  their  net  estimated
realizable  value.  The  Company  maintains  reserves  against  its  accounts  receivable  for  potential  credit  losses,  which  were  immaterial  for  the  years  ended
December 31, 2023 and 2022, respectively. Other contract assets include accrued receivables which arise when revenue is recognized in advance of billing
for certain voyage contracts and hire paid to ship-owners in advance. Contract liabilities consist of deferred revenue which arises when amounts are billed to
or collected from customers in advance of revenue recognition and are recognized within twelve months of the balance sheet date.

In  a  stevedore  service  contract,  the  Company  is  paid  to  provide  cargo  handling  services  on  a  per  unit  basis  for  a  specified  quantity  of  cargo.  The
consideration in such a contract is determined on the basis of a rate per unit of cargo handled. The contract may contain minimum quantities. Revenues from
stevedore service contracts are earned and recognized on a per unit basis as completed over the performance period.

As  a  practical  expedient,  the  Company  has  elected  not  to  disclose  the  aggregate  amount  of  the  transaction  price  allocated  to  unsatisfied  performance
obligations for our contracts that had an original expected duration of less than one year.

Deferred Revenue

Billings  for  services  for  which  revenue  is  not  recognized  in  the  current  period  are  recorded  as  deferred  revenue.  Deferred  revenue  recognized  in  the
accompanying consolidated balance sheets is expected to be realized within twelve months of the balance sheet date. All deferred revenue recorded on the
consolidated balance sheets as of December 31, 2022 and December 31, 2021 was recognized during 2023 and 2022, respectively.

Voyage Expenses

The Company incurs expenses for voyage charters that include bunkers (fuel), port charges, canal tolls, broker commissions and cargo handling operations,
which are expensed as incurred.

F-13

 
 
 
 
Charter Expenses

The Company charters in vessels to supplement its owned fleet to support its voyage charter operations. The Company hires vessels under time charters
with third party vessel owners, and recognizes the charter hire payments as an expense on a straight-line basis over the term of the charter. Charter hire
payments are typically made in advance, and the unrecognized portion is reflected as advance hire in the accompanying consolidated balance sheets. Under
time charters, the vessel owner is responsible for the vessel operating costs such as crews, maintenance and repairs, insurance, and stores.

Vessel Operating Expenses

Vessel  operating  expenses  (“VOE”)  represent  the  cost  to  operate  the  Company’s  owned  vessels.  VOE  include  crew  wages  and  related  costs,  the  cost  of
insurance, expenses relating to repairs and maintenance, the cost of spares and consumables, other miscellaneous expenses, and technical management fees.
Technical management services include day-to-day vessel operations, performing general vessel maintenance, ensuring regulatory and classification society
compliance, arranging the hire of crew and purchasing stores, supplies and spare parts. These expenses are recognized as incurred.

Terminal & Stevedore Expenses

Terminal & Stevedore expenses represent the cost to provide the Company's cargo handling services. Terminal & Stevedore expenses include direct labor
and related costs, the cost of insurance, expenses relating to repairs and maintenance of shore based equipment, trucking, and other direct miscellaneous
expenses.

Concentrations of Credit Risk

The Company’s financial instruments that are exposed to concentrations of credit risk consist primarily of cash equivalents, trade receivables and derivative
instruments. The Company maintains its cash accounts with various high-quality financial institutions in the United States, Germany, and Bermuda. The
Company  performs  periodic  evaluations  of  the  relative  credit  standing  of  these  financial  institutions.  The  Company  does  not  believe  that  significant
concentration of credit risk exists with respect to these cash equivalents. Trade accounts receivable are recorded at the invoiced amount, and do not bear
interest. The Company performs ongoing credit evaluations of its customers’ financial condition, but does not require collateral. Historically, credit risk with
respect  to  trade  accounts  receivable  has  been  considered  minimal  due  to  the  long-standing  relationships  with  significant  customers,  and  their  relative
financial stability. However, current economic conditions could impact the collectability of certain customers' trade receivables, which could have a material
effect on the Company's results of operations. Derivative instruments are recorded at fair value. The Company does not have any off-balance sheet credit
exposure related to its customers.

At  December  31,  2023,  two  customers  collectively  represented  57%  of  the  Company’s  trade  accounts  receivable,  one  accounted  for  35%  and  the  other
accounted for 22%. At December 31, 2022, there were two customers that accounted for 37% of the Company’s trade accounts receivable, one accounted
for 21% and the other accounted for 16%.

At  December  31,  2023,  twenty-seven  customers  in  the  United  States,  and  three  customers  in  Canada,  account  for  70%  of  accounts  receivable.  At
December  31,  2022,  fourteen  customers  in  the  United  States,  four  customers  in  Canada,  fifteen  customers  in  Singapore,  and  one  customer  in  Barbados
accounted for 68% of accounts receivable.

For  the  year  ended  December  31,  2023,  the  Company  had  three  countries  that  accounted  for  at  least  10%  of  revenue;  the  United  States  (thirty-nine
representing  29%),  Canada  (four  representing  15%),  and  The  United  Kingdom  (thirteen  representing  12%).  For  the  year  ended  December  31,  2022,  the
Company had one country that accounted for at least 10% of revenue; the United States (twenty-seven representing 25%).

For the year ended December 31, 2023, two customers accounted for 10% or more of total revenue. For the year ended December 31, 2022, one customer
accounted for 10% or more of total revenue.

Cash and Cash Equivalents

Cash comprises cash on hand. Cash equivalents are short-term, highly liquid investments that are readily convertible to known amounts of cash, are subject
to an insignificant risk of change in value, and have original maturities of three months or less.

Allowance for Credit Losses

F-14

 
 
 
 
 
 
 
 
 
 
 
The Company provides a specific reserve for significant outstanding accounts that are considered potentially uncollectible in whole or in part. In addition,
the Company’s policy based on experience is to establish a reserve equal to approximately 25% of accounts receivable balances that are 90-360 days past
due and approximately 50% of accounts receivable balances that are 360 or more days past due, and which are not otherwise reserved. The reserve estimates
are  adjusted  as  additional  information  becomes  available,  or  as  payments  are  made.  At  December  31,  2023  and  2022,  the  Company  has  provided  an
allowance for credit losses of $5,657,837 and $4,367,848 respectively, for amounts that are not expected to be fully collected. The provision for credit losses
was $2,938,879 in 2023 and $2,377,389 in 2022. In 2023, the Company had write-offs totaling $1,648,890 as these amounts were deemed uncollectible. In
contrast, there were no write-offs for the Company in 2022.

Bunker Inventory

Inventory is primarily comprised of fuel oil purchased and stored onboard a vessel. Inventory is measured at the lower of cost under the first-in, first-out
method or net realizable value.

Advance Hire, Prepaid Expenses and Other Current Assets

Advance hire represents payment to ship owners under time-charters for days subsequent to the balance sheet date. Hire is typically paid in advance for the
following fifteen days, but intervals vary by time-charter contract. Prepaid expenses include advance funding to the technical manager for vessel operating
expenses,  lubricating  oils  and  stores  kept  on  board  owned  vessels,  certain  voyage  expenses  paid  in  advance  and  direct  costs  incurred  to  fulfill  a  COA
("Contract of Affreightment"). These specifically identified costs are used to satisfy the contract and are expected to be recovered over the term of the COA.
Such  costs  are  amortized  on  a  straight-line  basis  and  charged  equally  to  each  of  the  voyages  under  the  contract.  Accrued  receivables  include  accrued
demurrage  and  balance  of  freight  receivable.  Other  assets  include  deposits  held  by  counterparties  to  various  derivative  instruments  and  the  fair  value  of
derivative instruments when it exceeds the settlement price of the instrument.

At December 31, advance hire, prepaid expenses and other current assets were comprised of the following:

Advance hire
Prepaid expenses
Accrued receivables
Cash margin on deposit
Derivative assets
Other current assets

Total

2023

2022

$

$

2,509,313  $
7,072,634 
5,777,596 
3,751,257 
3,384,137 
5,845,309 
28,340,246  $

3,491,835 
4,777,648 
7,721,500 
3,239,947 
4,892,144 
4,143,757 
28,266,831 

F-15

 
 
 
 
 
 
Other Non-current Assets

At December 31, other non-current assets were comprised of the following:

Name
Intangible Assets - Note 15: Acquisitions
Investment in Seamar Managements S.A.
Investment in Pangaea Logistics Solutions (US) LLC
Investment in Narragansett Bulk Carriers (US) Corp
Other investments

Total

Vessels and Depreciation

2023

2022

$

$

1,777,063  $
706,655 
1,667,093 
519,975 
919,509 
5,590,295  $

— 
598,725 
3,954,605 
234,141 
496,656 
5,284,127 

Vessels are stated at cost, which includes contract price and acquisition costs. Significant improvements to vessels are capitalized; maintenance and repairs
that do not improve or extend the lives of the vessels are expensed as incurred. Depreciation is provided using the straight-line method over the remaining
estimated useful lives of the vessels (excluding the time a vessel is in dry dock), based on cost less salvage value. Each vessel’s salvage value is equal to the
product of its lightweight tonnage and an estimated scrap rate of $300 per ton, which was determined by reference to quoted rates and is reviewed annually.
The Company estimates the useful life of its vessels to be 25 years to 30 years from the date of initial delivery from the shipyard. The remaining estimated
useful lives of the current fleet are 11 - 23 years. The Company does not incur depreciation expense when vessels are taken out of service for dry docking.

Vessels held for sale are carried at estimated fair value less cost to sell. No additional depreciation expense is recorded for vessels categorized as held for
sale.   

Deferred Drydock Cost

Significant upgrades made to the vessels during dry docking are capitalized when incurred and amortized on a straight-line basis over the 5 year period until
the next dry docking for vessels younger than 15 years, and over the 2.5 year period until next dry docking for vessels older than 15 years at time of dry
docking. Costs capitalized as part of the dry docking include direct costs incurred to meet regulatory requirements that add economic life to the vessel, that
increase the vessel’s earnings capacity or which improve the vessel’s efficiency. Direct costs include the shipyard costs, parts, inspection fees, steel, blasting
and painting. These costs are recorded in Fixed assets, net or Finance lease right of use assets, net on the Consolidated Balance Sheets. Expenditures for
normal maintenance and repairs, whether incurred as part of the dry docking or not, are expensed as incurred. Unamortized dry-docking costs of vessels that
are sold are written off and included in the calculation of the resulting gain or loss on sale.

Long-lived Assets Impairment Considerations

The Company evaluates the recoverability of its fixed assets and other assets in accordance with ASC 360-10-15, Impairment or Disposal of Long-Lived
Assets,  which  requires  impairment  losses  to  be  recorded  on  long-lived  assets  used  in  operations  when  indicators  of  impairment  are  present  and  the
undiscounted cash flows estimated to be generated by those assets are less than their carrying amounts. If indicators of impairment are present, we perform
an analysis of the anticipated undiscounted future net cash flows to be derived from the related long-lived assets. Our assessment is made at the asset group
level, which represents the lowest level for which identifiable cash flows are largely independent of other groups of assets. The asset groups established by
the Company are defined by vessel size and major characteristic or trade.

The significant factors and assumptions used in the undiscounted projected net operating cash flow analysis include the Company’s estimate of future time
charter equivalent "TCE" rates based on current rates under existing charters and contracts. When existing contracts expire, the Company uses an estimated
TCE based on actual results and extends these rates out to the end of the vessel’s useful life. TCE rates can be highly volatile, may affect the fair value of
the Company’s vessels and may have a significant impact on the Company’s ability to recover the carrying amount of its fleet. Accordingly, the volatility is
contemplated in the undiscounted projected net operating cash flow by using a sensitivity analysis based on percent changes in the TCE rates. The Company
prepares a series of scenarios in an attempt to capture the range of possible trends and outcomes. Projected net operating cash flows are net of brokerage and
address commissions and assume no revenue on scheduled offhire

F-16

 
 
 
days. The Company uses the current vessel operating expense budget, estimated costs of drydocking and historical general and administrative expenses as
the basis for its expected outflows, and applies an inflation factor it considers appropriate. The net of these inflows and outflows, plus an estimated salvage
value,  constitutes  the  projected  undiscounted  future  cash  flows.  If  these  projected  cash  flows  do  not  exceed  the  carrying  value  of  the  asset  group,  an
impairment charge would be calculated. Measurement of the impairment loss is based on the fair value of the asset as provided by third parties.

In both the first and fourth quarters of 2023, the Company identified triggering events associated with the sale of vessels, where the carrying value exceeded
their  fair  value.  On  January  18,  2023,  the  Company  entered  into  a  memorandum  of  agreement  to  sell  the  m/v  Bulk  Newport  for  $8.9  million  in  net
consideration after brokerage commissions, resulting in a recorded loss on sale of $1.2 million in the first quarter of 2023. Similarly, on October 17, 2023,
the Company signed a memorandum of agreement to sell the m/v Bulk Trident for $9.5 million in net consideration after brokerage commissions, resulting
in a loss on sale of $0.6 million in the fourth quarter of 2023.

The  Company  conducted  an  impairment  analysis  on  each  asset  group  and  determined  that  the  estimated  undiscounted  future  cash  flows  exceeded  their
carrying amounts. Therefore, no additional loss on impairment was recognized. Also the Company concluded that no other triggering event had occurred
during the remaining period of the 2023 which would require impairment testing.

During the first quarter of 2022, the Company determined that a triggering event occurred related to the sale of a vessel, as the carrying value exceeded its
fair value. On April 20, 2022, the Company signed a memorandum of agreement to sell the m/v Bulk Pangaea for a total net consideration of $8.6 million
after brokerage commissions. As a result, we recorded an impairment charge of $3.0 million in the first quarter of 2022. The impairment analysis did not
indicate any impairment on the remaining fleet. Also the Company concluded that no triggering event had occurred during the remaining period of the 2022
which would require impairment testing.

Financing Costs

Qualifying  expenses  associated  with  commercial  financing  and  fees  paid  to  financial  institutions  to  obtain  financing  are  carried  as  a  reduction  of  the
outstanding debt and amortized over the term of the arrangement using the effective interest method. The unamortized portion is included as a reduction of
secured long-term debt on the consolidated balance sheets.

The components of net debt issuance costs and bank fees, which are included in secured long-term debt on the consolidated balance sheets are as follows: 

Debt issuance costs and bank fees paid to financial institutions
Less: accumulated amortization

Unamortized debt issuance costs and bank fees

Amortization included in interest expense

Accounts Payable and Accrued Expenses

The components of accounts payable and accrued expenses are as follows: 

Accounts payable
Accrued expenses
Bunkers suppliers
Charter hire payable
Other accrued liabilities

Total

F-17

December 31,

2023

7,599,543  $
(4,109,086)
3,490,457  $

2022

7,627,351 
(3,162,492)
4,464,859 

946,593  $

1,005,487 

December 31,

2023

2022

6,277,693  $
14,038,418 
4,393,533 
8,112,701 
3,013,917 
35,836,262  $

9,979,451 
11,795,973 
6,526,725 
9,337,941 
914,041 
38,554,131 

$

$

$

$

$

 
 
 
 
 
 
 
 
Taxation

Changes to Bermuda tax policies may impact our financial position. Under current Bermuda law, we are not subject to tax on income, profits, withholding,
capital gains or capital transfers. Furthermore, we obtained from the Minister of Finance of Bermuda under the Exempted Undertakings Tax Protection Act
1966  (as  amended)  (the  “EUTP  Act”)  an  assurance  that,  in  the  event  Bermuda  enacts  legislation  imposing  tax  computed  on  profits,  income,  any  capital
asset,  gain  or  appreciation,  or  any  tax  in  the  nature  of  estate  duty  or  inheritance  tax,  then  the  imposition  of  the  tax  will  not  be  applicable  to  us  or  our
operations or to our ordinary shares, debentures or other obligations except insofar as such tax applies to persons ordinarily resident in Bermuda or to any
taxes payable by us in respect of real property owned or leased by us in Bermuda until March 31, 2035. As a result of changes made to the EUTP Act by the
CIT Act (as defined below), this assurance has been made subject to the application of any taxes pursuant to the CIT Act, as described further below.

In the 2023 Budget, the Bermuda government announced the formation of an International Tax Working Group consisting of specialists in international tax
matters and representatives of various bodies whose members may be directly impacted by such to examine how Bermuda can appropriately implement the
Global Minimum Tax initiative. The Working Group reported its findings and provided recommendations to the Bermuda Government in July 2023. The
Bermuda Government subsequently issued three public consultation papers as part of its considerations on the introduction of a corporate income tax in
Bermuda, on August 8, 2023, October 5, 2023 and November 10, 2023. On December 15, 2023, the Bermuda House of Assembly passed the Corporate
Income Tax Act, 2023 (the “CIT Act”) which was also passed by the Senate on December 18, 2023 and will become fully operative with respect to the
imposition of corporate income tax on January 1, 2025.

Under the CIT Act, Bermuda corporate income tax will be chargeable in respect of fiscal years beginning on or after January 1, 2025 and will apply only to
Bermuda  entities  that  are  part  of  MNE  groups  with  EUR  750  million  or  more  in  annual  revenues  in  at  least  two  of  the  four  fiscal  years  immediately
preceding the fiscal year in question (“Bermuda Constituent Entity Group”). Where corporate income tax is chargeable to a Bermuda Constituent Entity
Group, the amount of corporate income tax chargeable for a fiscal year shall be (1) 15% of the net taxable income of the Bermuda Constituent Entity Group
less  (2)  tax  credits  applicable  to  the  Bermuda  Constituent  Entity  Group  under  Part  4  of  the  CIT  Act,  or  as  prescribed.  The  CIT  Act  introduces  certain
“qualified refundable tax credits” which are set to be developed during 2024 to incentivize companies to support Bermuda residents through investments in
key  areas  such  as  education,  healthcare,  housing,  and  other  projects  to  help  develop  Bermuda’s  workforce.  Bermuda  will  continue  to  monitor  further
developments around the world as other jurisdictions address the OECD’s standards.

The imposition of a Bermuda corporate income tax could, if applicable to the Company (or any Bermuda incorporated subsidiary of the Company), have a
material adverse effect on the Company’s financial condition and results of operations.

Pangaea Denmark, a wholly-owned subsidiary of the Company, is subject to a Danish tonnage tax. Pangaea Denmark is not taxed on the basis of their actual
income  derived  from  their  business  but  on  an  alternative  income  determination  based  on  the  net  tons  carrying  capability  of  their  fleet.  As  the  tax  is  not
determined based on taxable income, Pangaea Denmark’s tax expense of approximately $417,000 and $443,000 is included within voyage expenses in the
accompanying consolidated statements of income as of December 31, 2023 and 2022, respectively.

Shipping  income  derived  from  sources  outside  the  United  States  is  not  subject  to  any  Unites  States  federal  income  tax.  U.S.  sourced  income  from  the
international operation of ships that is considered qualified income and earned by a qualified foreign corporation can also be considered exempt from U.S.
federal  income  taxation.  The  exemption  requires  a  number  of  tests  be  met  including  qualifying  income  earned  subject  to  an  equivalent  exemption  in  a
qualified  country  and  a  qualified  foreign  corporation  meeting  the  qualified  foreign  country,  qualified  income,  stock  ownership  tests  and  substantiation
requirements. The Company believes it meets all of the tests to qualify for an exemption from income under Internal Revenue Code section 883. To the
extent  the  Company  is  unable  to  qualify  for  the  exemption,  the  Company  would  be  subject  to  U.S.  federal  income  taxation  of  4%  of  its  U.S.  shipping
income on a gross basis without deductions. If certain other conditions are present, as defined in the Code, U.S. source shipping income, net of applicable
deductions, may be subject to federal income tax of up to 21% and a 30% branch profits tax. The company believes that none of its U.S. source shipping
income is effectively connected with the conduct of a U.S. trade or business.

The  earnings  from  shipping  operations  of  the  Company  are  not  subject  to  U.S.  or  foreign  income  taxation.  However,  due  to  the  U.S.  based  terminal
acquisitions that occurred in June 2023, the company's operations within these terminals is subjected to U.S. income taxation from its US-based operations.
On  June  1,  2023,  the  Company  acquired  two  port  terminal  operations,  one  in  Baltimore,  Maryland  and  the  other  in  Ft.  Lauderdale,  Florida.  These
acquisitions expanded the Company's income that is subject to United States taxes on fully consolidated companies. Consequently, the Company continues
to record income tax benefit or expense and deferred tax assets or liabilities for the year ended December 31, 2023 and December 31, 2022, which were
immaterial for both periods.

F-18

 
 
 
 
 
Where required, the Company complies with income tax filings in its various jurisdictions of operations. As of December 31, 2023 and 2022, the Company
is not subject to U.S. federal or foreign examinations by tax authorities for years before 2018.

Restricted Common Share Awards

Compensation cost of restricted share awards is measured using the grant date fair value of the Company's common shares, as quoted on the Nasdaq Capital
Market, multiplied by the total number of shares granted with no forfeiture rate applied. Compensation cost is amortized according to the vesting period
indicated in the grant agreement. Total compensation cost recognized during the years ended December 31, 2023 and 2022 is $2,087,807 and $1,767,726,
respectively, which is included in general and administrative expenses in the consolidated statements of income.

Dividends

Dividends on common stock are recorded when declared by the Board of Directors. Refer to Note 14, "Stock Incentive Plans and Non-controlling interest"
for additional information related to common stock dividends. 

Noncontrolling Interests

Noncontrolling interests represent ownership interests attributable to third parties in certain consolidated subsidiaries and VIEs. The portion of equity not
owned  by  us  in  such  entities  is  reflected  as  Noncontrolling  interests  within  the  equity  section  of  the  Consolidated  Balance  Sheets  and,  in  the  case
of Redeemable noncontrolling interests, within the long-term liabilities section of the Consolidated Balance Sheets.

Earnings per Common Share

Basic earnings per share ("EPS") is computed by dividing income available to common stockholders by the weighted-average number of common shares
outstanding during the period.

Diluted EPS is computed using the treasury stock method. Under this method, the amount of unrecognized compensation cost related to future services by
employees  who  were  awarded  restricted  shares  is  assumed  to  be  used  to  repurchase  common  stock  at  the  average  market  price  during  the  period.  The
incremental shares (nonvested less repurchased) are considered to be outstanding for diluted EPS. The Company does not have any anti-Dilutive Securities.

Foreign Exchange

The Company conducts all of its business in U.S. dollars; the functional currency of the Company is the US dollar. Accordingly, transactions denominated
in  currencies  other  than  the  functional  currency  are  measured  and  recorded  in  the  functional  currency  at  the  exchange  rate  in  effect  on  the  date  of  the
transactions. There are no foreign exchange transaction gains or losses reflected in the consolidated statements of income.

Derivatives and Hedging Activities

The Company accounts for derivatives in accordance with the provisions of ASC 815, Derivatives and Hedging. The Company uses interest rate swaps to
reduce market risks associated with its operations, principally changes in variable interest rates on its bank debt. Additionally, the Company uses forward
freight agreements to protect against changes in charter rates and bunker (fuel) swaps to protect against changes in fuel prices. The Company’s interest rate
swaps,  forward  freight  agreements  (FFAs)  and  bunker  swaps  have  not  qualified  for  hedge  accounting  treatment.  As  such,  unrealized  gains  or  losses  are
recognized as a component of Other expense in the Consolidated Statements of Income. Derivative instruments are measured at fair value and are recorded
as assets or liabilities.

The Company is exposed to credit loss in the event of nonperformance by the counterparty to the interest rate swaps, forward freight agreements and bunker
hedges.

F-19

 
 
 
 
Segment Reporting

Operating segments are components of a business that are evaluated regularly by the chief operating decision maker ("CODM") for the purpose of assessing
performance and allocating resources. Based on the information that the CODM uses, including consideration of whether discrete financial information is
available for the business activities, the Company has identified multiple operating segments which have been aggregated based on considerations such as
the nature of its services, customers, operations and economic characteristics. The Company has determined that it operates under one reportable segment.

Fair Value of Financial Instruments

The carrying amounts of cash and cash equivalents, accounts receivable, accounts payable and short-term debt approximate fair value due to the short-term
maturities of these instruments. The carrying amount of the Company’s floating rate long-term debt approximates its fair value due to the variable interest
rates associated with these related credit facilities.

At December 31, 2023, the Company has six fully fixed rate debt facilities. At December 31, 2022, the Company has five fully fixed rate debt facilities and
one  facility  which  was  fixed  in  part.  The  aggregate  carrying  amounts  and  fair  values  of  the  long-term  debt  associated  with  the  fixed  rate  borrowing
arrangements are as follows: 

Carrying amount of fixed rate long-term debt
Fair value of fixed rate long-term debt

December 31,

2023
100,251,477  $
92,792,065  $

$
$

2022
113,589,539 
103,455,979 

Fair  values  of  these  debt  obligations  were  estimated  based  on  quoted  market  prices  for  the  same  or  similar  issues  of  debt  with  the  same  remaining
maturities, which is considered Level 2 in the fair value hierarchy established by ASC 820.

Leases

During time charter agreements, the charterers have substantive decision-making rights to direct how and for what purpose the vessel is used. As such, the
Company had identified that time charter agreements contain a lease. Accordingly, the Company accounts for amounts earned under these agreements in
accordance with Topic 842. During time charter agreements, the Company is responsible for operating and maintaining the vessels. These costs are recorded
as vessel operating expense in the Consolidated Statements of Income.

At  December  31,  2023,  the  Company  had  ten  vessels  chartered  to  customers  under  time  charters  that  contain  leases.  These  10  leases  varied  in  original
length from 21 days to 180 days. At December 31, 2023, lease payments due under these arrangements totaled approximately $12,525,000 and each of the
time charters were due to be completed in one hundred eighty days or less.

At December 31, 2022, the Company had four vessels chartered to customers under time charters that contain leases. These four leases varied in original
length from 20 days to 105 days. At December 31, 2022, lease payments due under these arrangements totaled approximately $2,789,000 and each of the
time charters were due to be completed in one hundred five days or less.

The Company does not have any sales-type or direct financing leases.

Adoption of the lessee provisions of this guidance did not have a material impact on the Company's consolidated financial statements because the Company
does not have any vessels chartered in (operating leases) for longer than one year and the practical expedient relating to leases with terms of 12 months or
less was elected. Furthermore, the Company's finance lease right of use assets and finance lease liabilities were referred to as "assets under finance lease"
and "obligations under finance leases" in prior period financial statements, but no other changes resulted from adoption of the standard. In addition, the
Company has four non-cancelable office leases and non-cancelable office equipment leases and the lease assets and liabilities are not material.

Recently issued accounting standards

From time to time, new accounting pronouncements are issued by the Financial Accounting Standards Board, or FASB, or other standard setting bodies.
Recently issued standards typically do not require adoption until a future effective date. Prior to

F-20

 
 
 
 
 
 
their effective date, the Company evaluates the pronouncements to determine the potential effects of adoption on our consolidated financial statements.

As  of  January  1,  2023,  we  adopted  ASU  No.  2016-13,  "Financial  Instruments—Credit  Losses"  ("ASU  2016-13").  ASU  2016-13  amends  the  current
financial instrument impairment model by requiring entities to use a forward-looking approach based on expected losses to estimate credit losses on certain
types of financial instruments, including trade receivables. The adoption of the accounting standard did not have any material impact on our consolidated
financial statements.

In March 2020, the FASB issued ASU No. 2020-04, “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial
Reporting,”  which  provides  optional  expedients  and  exceptions  for  applying  generally  accepted  accounting  principles  (“GAAP”)  to  contracts,  hedging
relationships and other transactions that reference LIBOR or another reference rate expected to be discontinued because of reference rate reform. In January
2021, the FASB issued ASU No. 2021-01, “Reference Rate Reform (Topic 848): Scope,” which clarified that certain optional expedients and exceptions in
Topic 848 apply to derivatives that are affected by the discounting transition due to reference rate reform. In December 2022, the FASB issued ASU No.
2022-06, "Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848," which defers the sunset date of Topic 848 from December 31,
2022 to December 31, 2024, after which entities will no longer be permitted to apply the relief under Topic 848. The Company is currently evaluating the
impact that adopting this new accounting standard will have on its consolidated financial statements and related disclosures.

In  November  2023,  the  Financial  Accounting  Standards  Board  (“FASB”)  issued  Accounting  Standards  Update  (“ASU”)  2023-07,  Improvements  to
Reportable Segment Disclosures (“ASU 2023-07”), which amends the existing segment reporting guidance (ASC Topic 280 — Segment Reporting (“ASC
280”)) to improve reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses that are regularly
provided  to  the  chief  operating  decision  maker  (“CODM”)  and  included  within  each  reported  measure  of  segment  profit  or  loss,  an  amount  for  other
segment items by reportable segment and a description of its composition, the title and position of the CODM and an explanation of how the CODM uses
the reported measure(s) of segment profit or loss in assessing segment performance and deciding how to allocate resources. In addition, companies with a
single reporting segment will have to provide all of the disclosures required by ASC 280, including the significant segment expense disclosures.
The amendments in this update are effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after
December 15, 2024. Early adoption is permitted. The Company is currently evaluating the impact of our pending adoption of this standard on its financial
statement disclosures.

NOTE 4 - CASH AND CASH EQUIVALENTS

Cash and cash equivalents include short-term deposits with an original maturity of less than three months. The following table provides a reconciliation of
cash and cash equivalents reported within the consolidated balance sheets that sum to the total of the same amounts shown in the consolidated statement of
cash flows:

Money market accounts – cash equivalents
(1)
Time deposit accounts - cash equivalents 
Cash 

(2)

Total cash and cash equivalents

December 31, 2023

December 31, 2022

$

$

38,556,005  $
10,206,500 
50,275,361 
99,037,866  $

33,689,361 
46,000,000 
48,695,245 
128,384,606 

(1)

(2)

 It consists of cash deposits at various major banks with interest rates ranging from 5.48% to 5.69%.
 It consists of cash deposits at various major banks.

F-21

 
As of December 31, 2023 and December 31, 2022, we held cash and cash equivalents in the following subsidiaries:

(1)

Cash and cash equivalents
Pangaea 
(2)
NBHC 
NBP and Deck Barge 

(3)

Total cash and cash equivalents

December 31, 2023

December 31, 2022

$

$

81,652,679  $
11,948,547 
5,436,640 
99,037,866  $

85,398,332 
34,718,529 
8,267,745 
128,384,606 

(1)

(2)

(3)

 Held by 100% owned Pangaea consolidated subsidiaries
 Held by a 67% owned Pangaea consolidated subsidiary
 Held by a 50% owned Pangaea consolidated subsidiary

NOTE 5 - VARIABLE INTEREST ENTITIES

The Company has evaluated all of its wholly and partially-owned entities, as well as entities with common ownership or other relationships, pursuant to
ASC 810. A summary of the Company’s consolidation policy is provided in Note 3. The Company has concluded that Bulk Trident, Bulk Phoenix, Bulk
Freedom, Bulk Pride, Bulk PODS, Bulk Spirit, Bulk Independence, Bulk Friendship, Bulk Courageous, Bulk Valor, Bulk Promise, Phoenix Bulk 25, Bulk
Sachuest,  Bulk  Prudence,  NBV,  Long  Wharf,  NBHC,  BVH,  NBP,  FVL,  VBC,  VNLN  and  Pangaea  Logistics  Solutions  (US)  LLC  are  the  VIEs  at
December 31, 2023. The Company has concluded that Bulk Pangaea, Bulk Trident, Bulk Phoenix, Bulk Freedom, Bulk Pride, Bulk PODS, Bulk Spirit,
Bulk  Independence,  Bulk  Friendship,  Bulk  Courageous,  Bulk  Valor,  Bulk  Promise,  Phoenix  Bulk  25,  Bulk  Sachuest,  NBV,  Long  Wharf,  NBHC,  BVH,
NBP, FVL, VBC, and VNLN are the VIEs at December 31, 2022. We consolidate a VIE when we have a variable interest in an entity for which we are the
primary beneficiary such that we have (i) the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance and
(ii) the obligation to absorb losses of or the right to receive benefits from the VIE that could potentially be significant to the VIE. The results of operations
and financial position of these VIEs are included in our consolidated financial statements.

The  aggregate  carrying  values  of  the  VIEs’  assets  and  liabilities,  after  elimination  of  any  intercompany  transactions  and  balances,  in  the  consolidated
balance sheets were as follows:

(Dollars in millions, figures may not foot due to
rounding)

Total assets
Total liabilities
Total stockholders' (deficit)/equity
Non-controlling interest 

(2)

December 31, 2023

Ship-owning
(1)

$
$
$
$

100.3  $
101.6  $
(1.3) $
—  $

NBHC

NBV

Long Wharf

VLNL

NBP

PANL US

96.5  $
50.4  $
46.2  $
45.3  $

53.3  $
22.9  $
30.3  $
—  $

1.9  $
1.9  $
—  $
—  $

0.6  $
0.1  $
0.6  $
1.1  $

144.1  $
135.6  $
8.5  $
—  $

3.2 
1.1 
2.2 
— 

(Dollars in millions, figures may not foot due to
rounding)
Total assets
Total liabilities
Total stockholders' (deficit)/equity
Non-controlling interest 

(2)

Ship-owning
(1)

$
$
$
$

116.6  $
123.4  $
(6.8) $
—  $

NBHC

NBV

Long Wharf

VLNL

NBP

PANL US

128.1  $
57.8  $
70.3  $
53.3  $

62.3  $
30.2  $
32.1  $
—  $

1.9  $
1.9  $
—  $
—  $

0.5  $
—  $
0.5  $
1.2  $

152.0  $
143.9  $
8.1  $
—  $

— 
— 
— 
— 

December 31, 2022

(1)

(2)

Includes all wholly-owned subsidiaries, refer to Note 2 "Nature of Organization" for additional information.
Non-controlling interest is held by third parties.

F-22

 
 
NOTE 6 - FIXED ASSETS

At December 31, fixed assets consisted of the following: 

Vessels and vessel upgrades
Capitalized dry docking

Accumulated depreciation and amortization
Vessels, vessel upgrades and capitalized dry docking, net

Land and building
Computers, equipment and internal use software
Other fixed assets
Accumulated depreciation
Other fixed assets, net

$

2023
576,153,211  $
18,408,282 
594,561,493 
(124,477,977)
470,083,516 

2,571,585 
4,147,346 
6,718,931 
(2,537,276)
4,181,655 

2022
565,107,408 
15,409,851 
580,517,259 
(106,652,852)
473,864,407 

2,541,085 
2,311,076 
4,852,161 
(2,191,816)
2,660,345 

Total fixed assets, net

$

474,265,171  $

476,524,752 

At December 31, vessels under finance leases consisted of the following: 

Vessels under finance lease
Accumulated depreciation and amortization

Vessels under finance lease, net

2023

40,933,207 
(10,539,384)

2022

56,061,223 
(12,139,654)

30,393,823  $

43,921,569 

$

$

F-23

 
 
 
 
The net carrying value of the Company’s fleet consists of the following: 

Owned vessels

(2) (4)

(2) (4)

(1)

(1)

(1)

(1)

(1)

(1)

(2) (4)

m/v NORDIC ODYSSEY 
m/v NORDIC ORION 
m/v NORDIC OSHIMA 
m/v NORDIC OLYMPIC 
m/v NORDIC ODIN 
m/v NORDIC OASIS 
m/v NORDIC NULUUJAAK 
(2) (4)
m/v NORDIC QINNGUA 
m/v NORDIC SANNGIJUQ 
m/v NORDIC SIKU 
m/v BULK ENDURANCE
m/v BULK PRUDENCE
m/v BULK COURAGEOUS 
m/v BULK CONCORD 
m/v BULK NEWPORT
m/v BULK FREEDOM
m/v BULK PRIDE
m/v BULK SPIRIT 
m/v BULK SACHUEST
m/v BULK INDEPENDENCE
m/v BULK FRIENDSHIP 
m/v BULK VALOR
m/v BULK PROMISE
MISS NORA G. PEARL 

(4)

(4)

(4)

(3)

(4)

Other fixed assets, net

Total fixed assets, net

m/v BULK XAYMACA
m/v BULK DESTINY
m/v BULK TRIDENT

Vessels under finance lease 

(4)

December 31,

2023

2022

18,949,524 
19,789,942 
22,938,264 
23,306,330 
23,411,836 
24,853,935 
36,088,312 
36,018,502 
35,623,004 
36,009,984 
21,859,034 
26,533,530 
15,145,246 
18,965,726 
— 
8,150,075 
11,194,335 
12,970,111 
16,487,253 
13,752,517 
12,810,712 
16,434,083 
16,970,026 
1,821,235 
470,083,516  $

4,181,655 
474,265,171  $

20,685,092 
21,406,429 
24,292,108 
24,627,857 
24,726,033 
26,232,723 
37,518,857 
37,428,322 
37,000,230 
37,393,171 
23,106,438 
— 
15,755,839 
19,394,966 
10,211,578 
7,464,118 
12,174,942 
11,703,170 
17,188,278 
14,879,681 
13,680,578 
17,106,444 
17,619,467 
2,268,086 
473,864,407 

2,660,345 
476,524,752 

11,623,719 
18,770,104  $

— 

30,393,823  $

13,082,596 
19,814,777 
11,024,196 
43,921,569 

$

$

$

$

(1)

2022.

(2)

(3)

(4)

Vessels are owned by NBHC, a consolidated joint venture in which the Company has a two-third ownership interest at December 31, 2023         and December 31,

Vessels are owned by NBP, a consolidated joint venture in which the Company has a 50% ownership interest at December 31, 2023 and 2021.

Barge is owned by a 50% owned consolidated subsidiary.

Refer to Note 10, "Finance Leases," of our Financial Statements for additional information related to the vessels under finance lease.

F-24

 
 
The Company capitalized dry-docking costs on three vessels in 2023 and four vessels in 2022. The amortization period of the capitalized dry docking costs
is within the remaining useful life of these vessels and is amortized over the estimated period to next drydocking. The Company capitalized drydocking
costs totaling $4.2 million and $6.0 million in the twelve months ended December 31, 2023 and 2022, respectively. These costs are recorded in Fixed assets,
net or Finance lease right of use assets, net in the Consolidated Balance Sheets.

F-25

NOTE 7 - MARGIN ACCOUNTS, DERIVATIVES AND FAIR VALUE MEASURES

Margin Accounts

During December 31, 2023 and 2022, the Company was party to forward freight agreements and fuel swap contracts in order to mitigate the risk associated
with volatile freight rates and fuel prices. Under the terms of these contracts, the Company is required to deposit funds in margin accounts if the market
value of the hedged item declines. The funds are required to remain in margin accounts as collateral until the market value of the items being hedged return
to  preset  limits.  The  margin  accounts  are  included  in  advance  hire,  prepaid  expenses  and  other  current  assets  in  the  consolidated  balance  sheets  at
December 31, 2023 and 2022. 

Forward Freight Agreements

The  Company  assesses  risk  associated  with  fluctuating  future  freight  rates  and,  when  appropriate,  hedges  identified  economic  risk  with  appropriate
derivative instruments, specifically FFAs. These economic hedges do not usually qualify for hedge accounting under ASC 815 and as such, the usage of
such derivatives can lead to fluctuations in the Company’s reported results from operations on a period-to-period basis.

Fuel Swap Contracts

The Company continuously monitors the market volatility associated with bunker prices and seeks to reduce the risk of such volatility through a bunker
hedging program. The Company enters into fuel swap contracts that are not designated for hedge accounting under ASC 815 and as such, the usage of such
derivatives can lead to fluctuations in the Company’s reported results from operations on a period-to-period basis.

Interest rate cap

The Company’s objectives in using interest rate derivatives are to add stability to interest expense and to manage its exposure to interest rate movements. To
accomplish these objectives, the Company primarily uses interest rate swaps and interest rate caps as part of its interest rate risk management strategy.
Interest rate caps designated as cash flow hedges involve the receipt of variable amounts from a counterparty if interest rates rise above the strike rate on the
contract. In January 2020, the Company entered into four interest rate cap contracts with total notional amount of $115.04 million as of December 31, 2023
at a cost of $628,000 to mitigate the risk associated with increases in interest rates on our sale and lease back financing arrangements of the four new-
building vessels. In the event that the three-month SOFR rate rises above the applicable strike rate of 3.51%, the Company would receive quarterly
payments related to the spread difference. These interest rate cap agreements do not qualify for hedge accounting treatment.

The estimated fair values of the Company’s forward freight agreements and fuel swap contracts are based on market prices obtained from an independent
third-party valuation specialist based on published indices. Such quotes represent the estimated amounts the Company would receive or pay to terminate the
contracts. The interest rate caps contracts are valued using analysis obtained from independent third party valuation specialists based on market observable
inputs, representing Level 2 assets.

The following table summarizes assets and liabilities measured at fair value on a recurring basis at December 31, 2023 and December 31, 2022:

Asset Derivative

Liability Derivative

Derivative instruments

Balance Sheet
Location

Margin accounts 

(1)

Other current assets

Forward freight agreements 

(2)

Other current assets

Fuel swap contracts 

(2)

Other current assets

Interest rate cap 

(2)

Other current assets

$

$

$

$

12/31/2023

12/31/2022

3,751,257  $

3,239,947 

—  $

—  $

— 

— 

3,384,137  $

4,892,144 

Balance Sheet
Location
Other current
liabilities
Other current
liabilities
Other current
liabilities
Other current
liabilities

12/31/2023

12/31/2022

—  $

— 

1,217,820  $

164,787 

523,233  $

158,926 

—  $

— 

$

$

$

$

F-26

  
 
(1)

(2)

 The fair value measurements were all categorized within Level 1 of the fair value hierarchy.
 These fair value measurements were all categorized within Level 2 of the fair value hierarchy.

The three levels of the fair value hierarchy established by ASC 820, Fair Value Measurements and Disclosures, in order of priority are as follows:

Level 1 – Quoted prices in active markets for identical assets or liabilities. Our Level 1 fair value measurements include cash, money-market accounts and
time deposit accounts.

Level 2 – Quoted prices for similar assets and liabilities in active markets or inputs that are observable.
Level 3 – Inputs that are unobservable (for example cash flow modeling inputs based on assumptions).

The following table presents the effect of our derivative financial instruments on the consolidated statements of operations for the twelve months ended
December 31, 2023 and 2022:

Derivative instruments

Forward freight agreements
Fuel Swap Contracts
Interest rate cap

Unrealized gain (loss) on derivative instruments
For the year ended December 31,

2023

2022

$
$
$

(1,053,033) $
(364,307) $
(1,508,007) $

(2,284,368)
(1,206,679)
4,173,370 

The estimated fair values of the Company’s forward freight agreements and fuel swap contracts are based on market prices obtained from an independent
third-party valuation specialist. Such quotes represent the estimated amounts the Company would receive to terminate the contracts.

F-27

 
 
 
NOTE 8 - RELATED PARTY TRANSACTIONS

Amounts and notes payable to related parties consist of the following:

Included in accounts payable and accrued expenses on the consolidated
balance sheets:
Trade payables due to Seamar 

(i)

$

1,643,806  $

(153,746)   $

1,490,060 

December 31, 2022

Activity

December 31, 2023

i.

Seamar Management S.A. ("Seamar") Seamar Management S.A. ("Seamar") is a joint venture of which the Company owns 51% at December 31, 2023 and 2022.

Under the terms of a technical management agreement between the Company and Seamar Management S.A. (Seamar), an equity method investee, Seamar
is responsible for the day-to-day operation of some of the Company’s owned vessels. During the years ended December 31, 2023 and 2022, the Company
incurred  technical  management  fees  of  $3,328,800  and  $3,280,920  under  this  arrangement,  which  is  included  in  vessel  operating  expenses  in  the
consolidated  statements  of  income.  The  total  amounts  payable  to  Seamar  at  December  31,  2023  and  2022,  (including  amounts  due  for  vessel  operating
expenses), were $1,490,060 and $1,643,806, respectively. 

F-28

 
 
 
   
 
NOTE 9 - SECURED LONG-TERM DEBT

Long-term debt consists of the following:  

(2) (3)

Bulk Nordic Odyssey (MI) Corp., Bulk Nordic Orion (MI) Corp.
Senior Secured Term Loan Facility 
Bulk Nordic Oshima (MI) Corp., Bulk Nordic Odin (MI) Corp., Bulk
Nordic Olympic (MI) Corp., Bulk Nordic Oasis (MI) Corp. Secured
Term Loan Facility 
The Amended Senior Facility - Dated May 13, 2019 (formerly The
Amended Senior Facility - Dated December 21, 2017) 

(2) (3)

(4)

December 31,
2023

December 31,
2022

Interest Rate (%)
(1)

Maturity Date

$

12,512,080  $

14,395,409 

2.95 %

December 2027

39,800,000 

44,600,000 

3.38 %

June 2027

– Bulk Nordic Six Ltd. - Tranche A 

(2)

9,033,325 

10,099,993 

– Bulk Nordic Six Ltd. - Tranche B
– Bulk Pride - Tranche C 
– Bulk Independence - Tranche E 

(2)

(2)

Bulk Valor Corp. Loan and Security Agreement 
Bulk Promise Corp. 
Bulk Sachuest 

(2)

(2)

(2)

109 Long Wharf Commercial Term Loan
Total
Less: unamortized bank fees 

(5)

Less: current portion

Secured long-term debt, net

— 
1,900,000 
9,500,000 
10,087,642 
9,685,334 
7,733,094 

— 

100,251,475  $
(1,053,440)
99,198,035  $
(30,751,726)
68,446,309  $

$

$

$

2,070,000 
3,000,000 
10,500,000 
11,424,507 
11,069,630 
8,500,000 

374,466 
116,034,005 
(1,431,736)
114,602,269 
(15,782,530)
98,819,739 

4.39 %

— %
5.39 %
3.54 %
3.29 %
5.45 %
6.19 %

— %

May 2024
Paid in full in
January 10, 2023
May 2024
May 2024
June 2028
October 2027
October 2029
Paid in full in
January 24, 2023

(1)

(2)

(3)

(4)

(5)

As of December 31, 2023.
Interest rates on the loan facilities are fixed.
The borrowers under this facility are owned by NBHC. The Company has two-third's ownership interest and STST has one-third ownership interest in NBHC.
NBHC is consolidated in accordance with ASC 810-10 and as such, amounts pertaining to the non-controlling ownership held by the third parties in the financial
position of NBHC are reported as non-controlling interest in the accompanying balance sheets.
This facility is cross-collateralized by the vessels m/v Bulk Endurance, m/v Bulk Pride, and m/v Bulk Independence and is guaranteed by the Company.
A portion of unamortized debt issuance costs were reclassified as a reduction of the finance leases liabilities. Refer to Note 10 "Finance Leases" for additional
information.

The Bulk Nordic Odyssey (MI) Corp., Bulk Nordic Orion (MI) Corp. Senior Secured Term Loan Facility - Dated December 23, 2020.

The  agreement  advanced  $18,000,000  in  respect  of  the  m/v  Nordic  Odyssey  and  m/v  Nordic  Orion.  The  agreement  requires  repayment  of  the
advance in 28 equal quarterly principal and interest installments of $571,821 beginning on March 23, 2021 and a balloon payment of $4,400,000
due with the final installment in December 2027. Interest on this advance is fixed at 2.95%.

The loan is secured by a first preferred mortgage on the m/v Nordic Odyssey and m/v Nordic Orion, the assignment of earnings, insurances and
requisite  compensation  of  the  entity,  and  by  guarantees  of  its  shareholders.  Additionally,  the  agreement  contains  a  collateral  maintenance  ratio
clause which requires the fair market value of the vessel plus the net realizable value of any additional collateral previously provided, to remain
above defined ratios. As of December 31, 2023 and 2022 the Company was in compliance with its financial covenants.

F-29

 
Bulk Nordic Oshima (MI) Corp., Bulk Nordic Odin (MI) Corp., Bulk Nordic Olympic (MI) Corp., and Bulk Nordic Oasis (MI) Corp. Facility Agreement
dated April 26, 2021

On April 26, 2021, NBHC entered into a new Senior Secured Term Loan Facility with two new lenders. The agreement advanced $53.0 million in
respect of the m/v Nordic Oshima, m/v Nordic Olympic, m/v Nordic Odin and m/v Nordic Oasis. The agreement requires repayment of the
advance in 24 equal quarterly principal installments of $1,200,000 beginning on June 15, 2021 and a balloon payment of $24,200,000 due in
March 2027. Interest on this advance is fixed at 3.38% effective May 5, 2021. The Loan is secured by a first lien on m/v Nordic Bulk Oshima, m/v
Nordic Bulk Odin, m/v Nordic Bulk Olympic and m/v Nordic Bulk Oasis. The Company used a portion of the proceeds of the loan to repay the
outstanding balance of $51.5 million for the Nordic Oshima, Nordic Odin, Nordic Olympic and Nordic Oasis loan facilities which was set to
mature on October 1, 2021. As of December 31, 2023 and 2022 the Company was in compliance with its financial covenants.

The Amended Senior Facility - Dated May 13, 2019 (previously identified as The Amended Senior Facility - Dated December 21, 2017)

On May 13, 2019, the Company, through its wholly owned subsidiaries, Bulk Endurance, Bulk Pride and Bulk Independence entered into the
Second Amendatory Agreement, (the "Second Amendment"), amending and supplementing the First Amendatory Agreement dated December 17,
2017. The Second Amendment advanced $14,000,000 under Tranche E in respect to the m/v Bulk Independence, extended maturity dates on
Tranche A, B, and C to May 2024, and reduced applicable interest rate margin on Tranche A, B, and C to 1.70% for the first eight quarters
following the drawdown of Tranche E, and 2.40% thereafter.

Bulk Endurance Tranche A and B

The amended agreement advanced $19,500,000 in respect of the m/v Bulk Endurance on January 7, 2017, in two tranches. The agreement
requires repayment of Tranche A, totaling $16,000,000, in three equal quarterly installments of $100,000 beginning on April 7, 2017 and
27 equal quarterly installments of $266,667. A balloon payment of $8,766,658 is due with the final installment in May 2024, resulting in
its  reclassification  to  the  current  portion  of  long-term  debt.  Interest  on  this  advance  was  fixed  at  3.69%  through  March  2021,  fixed  at
4.39%  through  December  2021,  and  fixed  at  3.46%  thereafter.  The  agreement  also  advanced  $3,500,000  under  Tranche  B,  which  is
payable in 28 equal quarterly installments of $65,000 beginning on September 27, 2017, and a balloon payment of $1,745,000 due with
the final installment in May 2024. Interest on this advance is floating at LIBOR plus 1.70% (3.63% at December 31, 2022) through March
2021, and thereafter at LIBOR plus 2.4%. The loan was repaid in full on January 10, 2023.

Bulk Pride Tranche C and D

The amended agreement advanced $10,000,000 in respect of the m/v Bulk Pride on December 21, 2017, in two tranches. The agreement
requires  repayment  of  Tranche  C,  totaling  $8,500,000,  in  26  equal  quarterly  installments  of  $275,000  beginning  in  March  2018  and  a
balloon payment of $1,350,000 due with the final installment in May 2024, resulting in its reclassification to the current portion of long-
term debt. Interest on this advance was fixed at 4.69% through March 2021, fixed at 5.39% through December 2021, and fixed at 3.6%
thereafter.  The  agreement  also  advanced  $1,500,000  under  Tranche  D,  which  is  payable  in  4  equal  quarterly  installments  of  $375,000
beginning in September 2018. Tranche D was fully repaid in June 2019.

Bulk Independence Tranche E

The  amended  agreement  advanced  $14,000,000  under  Tranche  E  in  respect  of  the  m/v  Bulk  Independence  on  May  13,  2019,  which
requires repayment of 20 equal quarterly installments of $250,000 beginning in September 2019 and a balloon payment of $9,000,000 due
with the final installment in May 2024, resulting in its reclassification to the current portion of long-term debt. Interest on this advance
was fixed at 3.48% through March 31, 2020, fixed at 2.84% through December 31, 2021 and fixed at 3.54% thereafter.

The  loan  is  secured  by  first  preferred  mortgages  on  the  m/v  Bulk  Endurance,  the  m/v  Bulk  Pride  and  the  m/v  Bulk  Independence,  the
assignment  of  earnings,  insurances  and  requisite  compensation  of  the  entity,  and  by  guarantees  of  its  shareholders.  Additionally,  the
agreement contains a minimum liquidity requirement, positive working capital of the borrower and a collateral maintenance ratio clause
which requires the fair market value of the vessel plus the net realizable value of any additional collateral previously provided, to

F-30

remain above defined ratios. At December 31, 2023 and 2022, the Company was in compliance with these covenants.

The Bulk Freedom Corp. Loan Agreement -- Dated June 14, 2017

The agreement advanced $5,500,000 in respect of the m/v Bulk Freedom on June 14, 2017. The agreement requires repayment of the loan in 8
quarterly installments of $175,000 and 12 quarterly installments of $150,000 beginning on September 14, 2017. A balloon payment of $2,300,000
is due on June 14, 2022 with the final installment. The loan was repaid in full on June 13, 2022.

109 Long Wharf Commercial Term Loan

Initial amount of $1,096,000 entered into on May 27, 2016. The Long Wharf Construction to Term Loan was repaid from the proceeds of this new
facility. The loan is payable in 120 equal monthly installments of $9,133. Interest is floating at the 30 day LIBOR plus 2.00%. The loan is
collateralized by all real estate located at 109 Long Wharf, Newport, RI, and a corporate guarantee of the Company. The loan contains a maximum
loan to value covenant and a debt service coverage ratio. The loan was repaid in full on January 25, 2023. At December 31, 2022, the Company
was in compliance with these covenants.

The Bulk Valor Corp. Loan Agreement -- Dated June 17, 2021

The  agreement  advanced  $13,350,000  in  respect  of  the  m/v  Bulk  Valor  on  June  17,  2021.  The  agreement  requires  repayment  of  the  loan  in  28
quarterly installments commencing on September 17, 2021. A balloon payment of $3,500,000 is due on June 17, 2028. Interest on this advance is
fixed  at  3.29%.  The  loan  is  secured  by  a  first  preferred  mortgage  on  the  m/v  Bulk  Valor,  the  assignment  of  earnings,  insurances  and  requisite
compensation of the entity, and by guarantees of its shareholders. As of December 31, 2023 and 2022 the Company was in compliance with its
financial covenants.

The Bulk Promise Corp. Loan Agreement -- Dated July 12, 2021

The agreement advanced $12,800,000 in respect of the m/v Bulk Promise on July 7, 2021. The agreement requires repayment of the loan in 24
quarterly installments of $346,074 commencing on October 15, 2021. A balloon payment of $4,494,224 is due on October 15, 2027. Interest on
this advance was fixed at 5.45% on July 15, 2022 through maturity. Interest on this advance was floating at three-month LIBOR plus 2.30% prior
to July 15, 2022. The loan is secured by a first preferred mortgage on the m/v Bulk Promise, the assignment of earnings, insurances and requisite
compensation of the entity, and by guarantees of its shareholders. As of December 31, 2023 and 2022 the Company was in compliance with its
financial covenants.

The Bulk Sachuest Corp. Loan Agreement -- Dated October 13, 2022

The agreement advanced $8,500,000 in respect of the m/v Bulk Sachuest on October 13, 2022. The agreement requires repayment of the loan in 27
quarterly installments commencing on January 13, 2023. A balloon payment is due on October 13, 2029. Interest on this advance is fixed at 6.19%.
The loan is secured by a first preferred mortgage on the m/v Bulk Sachuest, the assignment of earnings, insurances and requisite compensation of
the entity, and by guarantees of its shareholders. As of December 31, 2023 and 2022 the Company was in compliance with its financial covenants.

F-31

The future minimum annual payments under the debt agreements are as follows: 

2024
2025
2026
2027
2028
Thereafter

NOTE 10 - FINANCE LEASES

Years ending December 31,
30,751,726 
$
10,476,019 
10,638,024 
39,955,014 
5,322,454 
3,108,240 
100,251,477 

$

At  December  31,  2023,  the  Company's  fleet  includes  three  vessels  (Bulk  Xaymaca,  Bulk  Destiny,  and  Bulk  Trident)  financed  under  sale  and  leaseback
financing arrangements accounted for as finance leases in accordance with ASC 840, prior to adoption of ASC 842 on January 1, 2019. Bulk Spirit, Bulk
Friendship, Bulk Courageous, Bulk Concord, Nordic Nuluujaak, Nordic Qinngua, Nordic Sanngijuq and Nordic Siku are under finance leases in accordance
with ASC 842. These leases are secured by the assignment of earnings and insurances and by guarantees of the Company. The Company will own these
vessels at the end of lease term.

Bulk Trident Bareboat Charter Agreement dated June 7, 2018

The selling price of the m/v Bulk Trident was $13.0 million and the fair value was estimated to be the same. The Company simultaneously leased the vessel
back from the buyer. The minimum lease payments fluctuate based on three-month LIBOR and are payable monthly over the eight-year lease term. The
lessor has transitioned from 3-month LIBOR to 3-month SOFR starting from July 1, 2023. The Company has the option to purchase the vessel at the end of
the third year of the lease or thereafter, or in the case of default by the lessor, at any time during the lease term. The Company will own this vessel at the end
of the lease term. On October 6, 2023, the Company exercised its purchase option on the m/v Bulk Trident lease for approximately $4.6 million, and the
transaction was completed on November 14, 2023.

Bulk PODS Bareboat Charter Agreement dated August 1, 2018

The selling price of the m/v Bulk PODS was $14.8 million and the fair value was estimated to be the same. The Company simultaneously leased the vessel
back from the buyer. The minimum lease payments fluctuate based on three-month LIBOR and are payable monthly over the eight-year lease term. The
lessor has transitioned from 3-month LIBOR to 3-month SOFR starting from July 1, 2023. The Company has the option to purchase the vessel at the end of
the third year of the lease or thereafter, or in the case of default by the lessor, at any time during the lease term. Interest is floating at SOFR plus 1.96%
(7.33% including the margin, at December 31, 2023). The Company will own this vessel at the end of the lease term. The m/v Bulk Pods was renamed to
m/v Bulk Xaymaca in February of 2022.

Bulk Spirit Bareboat Charter Agreement dated March 7, 2019

In February 2019, the Company acquired the m/v Bulk Spirit for $13.0 million, which is the estimated fair value and simultaneously entered into a failed
sale and leaseback of the vessel. The Company determined that the transfer of the vessel to the lessor was not a sale in accordance with ASC 606, because
control  of  the  vessel  was  not  transferred  to  the  lessor.  The  lease  is  classified  as  finance  lease  in  accordance  with  ASC  842,  because  the  lease  transfers
ownership of the vessel to the Company by the end of the lease term. The minimum lease payments include interest at 5.10% for the first five years. Interest
fluctuates based on the three-month LIBOR for the remaining three years of the eight-year lease term. The Company has the option to purchase the vessel at
the end of the second year of the lease or thereafter, or in the case of default by the lessor, at any time during the lease term. The Company is obligated to
repurchase  the  vessel  at  the  end  of  the  lease  term.  A  balloon  payment  of  $3.9  million  is  due  with  the  final  lease  payment  in  March  2027.  This  lease  is
secured by the assignment of earnings and insurances and by a guarantee of the Company.

Bulk Friendship Bareboat Charter Agreement dated May 14, 2019

F-32

 
 
 
In September 2019, the Company acquired the m/v Bulk Friendship for $14.1 million, which is the estimated fair value and simultaneously entered into a
failed sale and leaseback of the vessel. The Company determined that the transfer of the vessel to the lessor was not a sale in accordance with ASC 606,
because  control  of  the  vessel  was  not  transferred  to  the  lessor.  The  lease  is  classified  as  finance  lease  in  accordance  with  ASC  842,  because  the  lease
includes a fixed price purchase option, which the Company expects to exercise at the end of the lease term. The minimum lease payments include imputed
interest at 5.29%. The Company has the option to purchase the vessel at the end of the third year of the lease or thereafter, or in the case of default by the
lessor, at any time during the lease term. In the event the Company has not exercised any of the purchase options during the term of the charter then the
Company shall have a final purchase option to purchase the vessel at the end of the fifth year at a fixed price of $7.8 million. This lease is secured by the
assignment of earnings and insurances and by a guarantee of the Company.

Bulk Nordic Five Ltd. Amendment and Restatement of Bareboat Charter Agreement dated July 1, 2021

On July 6, 2021, the Company, through its wholly owned subsidiary, Bulk Nordic Five Ltd., and the existing lender agreed to amend and restate the original
Bareboat  Charter  dated  October  27,  2016.  The  amended  agreement  extends  the  lease  maturity  date  to  April  2028  with  a  purchase  obligation  of
$6.95 million. The Company also fixed the interest rate through maturity at 3.97%. The bareboat charter party is secured by a first preferred mortgage on
the m/v Bulk Destiny, the assignment of earnings, insurances and requisite compensation of the entity, and by guarantees of its shareholders. The Company
will own this vessel at the end of the lease term. The lease contains a minimum liquidity requirement, positive working capital of the lessee and a collateral
maintenance ratio clause which requires the fair market value of the vessel plus the net realizable value of any additional collateral previously provided, to
remain above defined ratios. At December 31, 2023 and 2022, the Company was in compliance with these covenants.

Bulk Courageous Corp Bareboat Charter Agreement dated April 8, 2021

In April 2021, the Company took delivery of the m/v Bulk Courageous for $16.5 million and simultaneously entered into a failed sale and leaseback of the
vessel. The Company determined that the transfer of the vessel to the lessor was not a sale in accordance with ASC 606, because control of the vessel was
not transferred to the lessor. The lease is classified as finance lease in accordance with ASC 842, because the lease includes a fixed price purchase obligation
at the end of the lease term. The minimum lease payments fluctuate based on three-month LIBOR and are payable quarterly over the seven-year lease term.
Interest is floating at three-month LIBOR plus 2.75%. On July 8th, 2021, the company fixed interest on the lease at 3.93%. The Company has the option to
purchase the vessel in the case of default by the lessor, at any time during the lease term. The purchase obligation at the end of the lease term is at a fixed
price of $3.6 million. This lease is secured by the assignment of earnings and insurances and by a guarantee of the Company.

Bulk Concord Bareboat Charter Agreement dated January 27, 2022

In February 2022, the Company acquired the m/v Bulk Concord for $19.9 million, which is the estimated fair value, and simultaneously entered into a failed
sale and leaseback of the vessel. The Company determined that the transfer of the vessel to the lessor was not a sale in accordance with ASC 606, because
control of the vessel was not transferred to the lessor. The lease is classified as finance lease in accordance with ASC 842, because the lease includes a fixed
price purchase option, which the Company expects to exercise at the end of the lease term. The minimum lease payments include imputed interest at 4.67%.
The Company has the option to purchase the vessel at the end of the third year of the lease or thereafter, or in the case of default by the lessor, at any time
during the lease term. In the event the Company has not exercised any of the purchase options during the term of the charter then the Company shall have a
final  purchase  option  to  purchase  the  vessel  at  the  end  of  the  seventh  year  at  a  fixed  price  of  $3.0  million.  This  lease  is  secured  by  the  assignment  of
earnings and insurances and by a guarantee of the Company.

Bulk Nordic Seven LLC, Bulk Nordic Eight LLC, Bulk Nordic Nine LLC and Bulk Nordic Ten LLC Bareboat Charter Agreements dated September 27, 2019

During 2021, the Company took delivery of four new post-Panamax dry bulk vessels and simultaneously entered into the failed sale and leasebacks of the
vessels. These vessels are: 1) m/v Nordic Nuluujaak delivered on May of 2021 with a purchase price of $38.4 million, 2) m/v Nordic Qinngua delivered on
June of 2021 with a purchase price of $38.4 million, 3) m/v Nordic Sanngijuq delivered on September of 2021 with a purchase price of $37.9 million, and
4) m/v Nordic Siku delivered on November of 2021 with a purchase price of $37.9 million. The Company determined that the transfers of these vessels to
the lessor were not sales in accordance with ASC 606, because control of the vessels were not transferred to the lessor. These leases are classified as finance
leases in accordance with ASC 842, because these leases include a fixed price purchase obligation at the end of the lease term.

F-33

The lease agreements obligate the Company to sell the vessels upon completion of construction at the lesser of approximately $32 million or 85% of fair
market value at closing. Following the sales, the Company was obligated to charter the vessels from the buyer under a bareboat charter for a period of 15
years from the date of delivery with a fixed purchase price of $2.5 million each at the end of lease term. The minimum lease payments fluctuate based on
three-month LIBOR and are payable monthly over the fifteen-year lease term. The lessor has transitioned from 3-month LIBOR to 3-month SOFR starting
from July 1, 2023. Interest is floating at three-month SOFR plus 3.81% (9.16% including the margin, at December 31, 2023). The Company has the option
to purchase these vessels starting in year 5 at 101% of then outstanding principal. These leases are secured by the assignment of earnings and insurances and
by a guarantee of the Company.

Finance lease consists of the following as of December 31, 2023: 

December 31, 2023 December 31, 2022

(unaudited)

Interest Rate
(%) 

(1)

Maturity Date

Bulk PODS Ltd.

$

4,763,020  $

6,606,770 

7.33 %

(4)

(2)

(3)

(2)

Bulk Trident Ltd. 
Bulk Spirit Ltd.
Bulk Nordic Five Ltd. 
Bulk Friendship Corp. 
Bulk Nordic Seven LLC 
(3)
Bulk Nordic Eight LLC
Bulk Nordic Nine LLC
(3)
Bulk Nordic Ten LLC
Bulk Courageous Corp. 
Phoenix Bulk 25 Corp. 
Total
Less: unamortized issuance costs, net

(2)

(2)

(3)

Less: current portion

Secured long-term debt, net

— 
7,486,979 
11,595,861 
8,471,002 
28,482,063 
28,473,392 
28,591,644 
28,712,632 
9,000,000 
12,097,410 
167,674,003  $
(2,437,012)
165,236,991  $
(21,970,124)
143,266,867  $

5,551,836 
8,627,604 
13,142,885 
9,507,875 
30,100,318 
30,088,514 
30,163,750 
30,276,595 
10,200,000 
13,645,990 
187,912,137 
(3,033,123)
184,879,014 
(16,365,075)
168,513,939 

$

$

$

December 2027
Paid in full in
November 14, 2023
February 2027
April 2028

5.10 %
3.97 %
5.29 % September 2024
7.06 %
7.06 %
7.06 % September 2036
7.06 % November 2036
3.93 %
4.67 %

April 2028
February 2029

May 2036
June 2036

(1)

(2)

(3)

(4)

As of December 31, 2023 including the effect of interest rate cap if any.
Interest rates on the loan facilities are fixed.
The Company entered into an interest rate cap through Q2 of 2026 and Q4 2026 which caps the LIBOR rate at 3.25%. On July 31, 2023, the Company transitioned
from the LIBOR rate to secured overnight financing rate ("SOFR").
On October 6, 2023, the Company exercised its purchase option on the m/v Bulk Trident lease for approximately $4.6 million, and the transaction was completed
on November 14, 2023.

F-34

Future minimum lease payments under finance leases with initial or remaining terms in excess of one year at December 31, 2023 were:

2024
2025
2026
2027
2027
Thereafter

Total minimum lease payments
Less amount representing interest
Present value of minimum lease payments
Less current portion
Less issuance costs

Long-term portion

NOTE 11 - OTHER LONG-TERM LIABILITIES

Year ending December 31,
34,985,770 
$
25,366,510 
23,877,184 
24,796,131 
29,434,485 
114,985,465 
253,445,545 
85,771,542 
167,674,003 
(21,970,124)
(2,437,012)
143,266,867 

$
$

$

In September 2019, the Company entered into an LLC agreement for the formation of NBP, that, at inception is owned 75% by the Company and 25% by an
independent third party. NBP was established for the purpose of constructing and owning four new-build ice class post Panamax vessels. The third party has
committed to contribute additional funding during the construction phase, which increased their ownership of NBP to 50% at the time of delivery of the
new-build  ice  class  post  Panamax  vessels.  The  agreement  contains  both  put  and  call  option  provisions.  Accordingly,  the  Company  may  be  obligated,
pursuant to the put option, or entitled to, pursuant to the call option, to purchase the third party's interest in NBP beginning anytime after September 2026.
The  put  option  and  call  option  are  at  fixed  prices  which  are  not  significantly  different  from  each  other,  starting  at  $4.0  million  per  vessel  on  the  fourth
anniversary from completion and delivery of each vessel and declining to $3.7 million per vessel on or after the seventh anniversary from completion and
delivery of each vessel. If neither put nor call option is exercised, the Company is obligated to purchase the vessels from NBP at a fixed price. Pursuant to
ASC  480,  Distinguishing  Liabilities  from  Equity,  the  Company  has  recorded  the  third  party's  interest  in  NBP  as  a  Long  term  liabilities  -  Other.  The
Company  took  delivery  of  Nordic  Nuluujaak,  Nordic  Qinngua,  Nordic  Sanngijuq  and  Nordic  Siku  during  the  second  quarter  through  fourth  quarters  of
2021, the independent third party made additional contribution of $9.2 million which increased their ownership interest in NBP to 50% at December 31,
2021. As of December 31, 2023, the independent third party retains a 50% ownership interest in NBP. Earnings attributable to the third party’s interest in
NBP are recorded in Interest expense, non-controlling interest.

On  September  28,  2020,  the  Company  acquired  an  additional  one-third  equity  interest  in  its  partially-owned  consolidated  subsidiary  NBHC  from  its
shareholders. The Company owned a one-third of equity interest of NBHC, a joint-venture formed in October 2012 for the purpose of owning Bulk Nordic
Odyssey Ltd. (“Bulk Odyssey”) and Bulk Nordic Orion Ltd. (“Bulk Orion”) and to invest in additional vessels through its wholly-owned subsidiaries. The
acquisition  increases  the  Company’s  equity  interest  in  NBHC  to  66.7%.  The  purchase  price  of  the  equity  interest  was  $22.5  million,  including  a
$15.0  million  cash  payment  upon  closing  and  $7.5  million  of  deferred  consideration,  at  a  six-month  LIBOR  plus  3.5%,  in  three  equal  installments  of
$2.5 million due on the first, second, and third anniversaries of September 28, 2020. The Company made the first installment of $2.5 million in September
2021 and paid off the note payable of $5.0 million in September of 2022. NBHC will continue to be a consolidated entity in the Company’s consolidated
financial statements pursuant to ASC 810-10. The portion of NBHC not owned by the Company will continue to be recognized as non-controlling interest in
the Company’s consolidated financial statements.

F-35

The components of Other Long-term Liabilities are as follows:

Beginning Balance
Payments to non-controlling interest recorded as long-term liability
Earnings attributable to non-controlling interest recorded as interest expense
Reclassification of deferred consideration related to acquisition of non-controlling interest
Payments on other long-term liability

Ending balance

NOTE 12 - COMMITMENTS AND CONTINGENCIES

$

$

12/31/2023
19,974,390  $
(2,500,000)
462,150 
— 
— 

17,936,540  $

12/31/2022
17,806,976 
(2,050,000)
6,717,414 
2,500,000 
(5,000,000)
19,974,390 

The Company has also entered into a LLC agreement with the non-controlling interest holder of NBP which includes certain obligations as described in
Note 11.   

Long-term Contracts Accounted for as Operating Leases

The  Company  leases  office  space  for  its  Copenhagen  operations.  The  lease  expires  in  December  2025,  at  which  time  the  lease  continues  on  a  month  to
month basis with a non-cancelable period of six months.

The Company leases office space for its Singapore operations. In July 2023, the Company renewed its lease for a two year period. At December 31, 2023,
the remaining lease term is twenty months.

For  the  twelve  months  ended  December  31,  2023  and  2022,  the  Company  recognized  approximately  $0.2 million  as  lease  expense  for  office  leases  in
General and Administrative Expenses.

Legal Proceedings and Claims

The Company is subject to certain asserted claims arising in the ordinary course of business. The Company intends to vigorously assert its rights and defend
itself in any litigation that may arise from such claims. While the ultimate outcome of these matters could affect the results of operations of any one year,
and while there can be no assurance with respect thereto, management believes that after final disposition, any financial impact to the Company would not
be material to its consolidated financial position, results of operations, or cash flows. 

NOTE 13 - NET INCOME PER COMMON SHARE

The computation of basic net income per share is based on the weighted average number of common stock outstanding for the year ended December 31,
2023 and 2022. Diluted net income per share gives effect to restricted stock awards.

The following table summarizes the calculation of basic and diluted income per share:

Net income
Weighted Average Shares - Basic
Dilutive effect of restricted stock awards
Weighted Average Shares - Diluted
Basic net income per share
Diluted net income per share

For the Years Ended

December 31, 2023

December 31, 2022

$

$
$

26,323,300  $
44,773,899 
701,554 
45,475,453 

0.59  $
0.58  $

79,491,413 
44,398,987 
660,600 
45,059,587 
1.79 
1.76 

F-36

 
NOTE 14 - STOCK INCENTIVE PLANS AND NON-CONTROLLING INTEREST

Common stock

The Company has 100,000,000 shares of common stock ($0.0001 par value) authorized, of which 46,466,622 were issued as of December 31, 2023.

Restricted Securities

On August 5, 2022, the Company's shareholders approved an amendment and restatement of the 2014 Plan that was adopted by the Board on May 6, 2022.
The PANGAEA LOGISTICS SOLUTIONS LTD. 2014 SHARE INCENTIVE PLAN (as amended and restated by the Board of Directors on May 6, 2022),
(the "Amended Plan"), increased the aggregate number of common shares with respect to which awards may be granted under the Amended Plan, such that
the total number of shares made available for grant is 6,200,000. As of December 31, 2023, there were 1,362,000 common shares available for grants of
awards under the 2014 Incentive Plan.

At December 31, 2023, shares issued to employees under the Amended Plan totaled 3,579,569 after forfeitures. These restricted shares vest at the rate of
one-third of the total granted on each of the third, fourth and fifth anniversaries of the vesting commencement date.

Total non-cash compensation cost recognized during the years ended December 31, 2023 and 2022 is $2,087,807 and $1,767,726, respectively, which is
included in general and administrative expenses in the consolidated statements of operations.

A summary of activity related to outstanding restricted securities for fiscal years 2023 and 2022 is presented in the table below:

Unvested shares at December 31, 2021
Granted
Vested
Forfeited

Unvested shares at December 31, 2022
Granted
Vested
Forfeited

Unvested shares at December 31, 2023

Fair value of restricted shares vested
Unrecognized compensation cost for restricted shares
Weighted average remaining period to expense restricted shares (years)

F-37

Restricted Shares

Weighted-Average
Grant-Date Fair Value
Per Share

1,612,859  $
460,045  $
(624,573) $
(81,021) $
1,367,310  $
607,111  $
(536,593) $
(14,168) $
1,423,660  $

2.91 
4.09 
3.42 
3.03 

3.07 
5.53 
3.45 
3.04 

3.97 

Fiscal Years Ended December 31,
2022
2023

$
$

3,014,568  $
3,685,460  $

3.33

2,690,011 
2,585,307 
2.92

 
 
 
 
Dividends

Dividends payable consist of the following:

Balance at December 31, 2021
Accrued dividend
Paid in cash
Balance at December 31, 2022
Accrued dividend
Paid in cash

Balance at December 31, 2023

Dividends payable 

(1)

213,765 
481,693 
(69,280)
626,178 
668,536 
(148,393)
1,146,321 

$

$

(1)

 Accrued dividends on unvested restricted shares under the Company's incentive compensation plan.

Noncontrolling Interests

Amounts  pertaining  to  the  non-controlling  ownership  interest  held  by  third  parties  in  the  financial  position  and  operating  results  of  the  Company’s
subsidiaries  and/or  consolidated  VIEs  are  reported  as  non-controlling  interest  in  the  accompanying  consolidated  balance  sheets.  The  non-controlling
ownership  interest  attributable  to  NBHC  and  its  wholly-owned  shipowning  subsidiaries  amounts  to  approximately  $45,252,000  and  $53,292,000  at
December 31, 2023 and 2022, respectively.

Non-controlling interest attributable to VLNL was approximately $1,058,000 and $1,203,000 at December 31, 2023 and 2022, respectively.

NOTE 15 - ACQUISITIONS

On March 24, 2023, the Company signed a Members Interest Purchase Agreement for the acquisition of marine port terminal operations for a purchase
price of $7.2 million. On June 1, 2023, the Company completed the acquisition for a total purchase price of $9.3 million including acquired net working
capital. Under the terms of the agreement, Pangaea acquired all onshore assets, licenses and business operations related to the sellers terminal operation.
This acquisition aims to enhance our logistics capabilities and aligns with our strategic objective of catering to customers beyond the realm of maritime
transportation.

The following table summarizes the preliminary allocation of the purchase price to the estimated fair values of the assets acquired and liabilities assumed:

Net working capital, excluding cash
Property, plant and equipment
Goodwill
Other intangible assets
Fair value of net assets acquired, excluding cash and cash equivalents
Cash and cash equivalents

Fair value of net assets acquired

$

$

1,772,889 
1,844,100 
3,104,800 
2,251,100 
8,972,889 
326,888 
9,299,777 

F-38

 
 
NOTE 16 - UNAUDITED QUARTERLY DATA

(Dollars in millions, except share and per share amounts. Figures may
not foot due to rounding)
Revenues:
Voyage revenue
Charter revenue
Terminal & stevedore revenue

Expenses:

Voyage expense
Charter hire expense
Vessel operating expenses
Terminal & Stevedore Expenses
General and administrative
Depreciation and amortization
Loss on impairment of vessels
Loss on sale of vessel

Total expenses
Income from operations
Other income (expense):

Interest expense
Interest income
Income attributable to Non-controlling interest recorded as long-term
liability interest expense
Unrealized gain (loss) on derivative instruments
Other (expense) income

Total other income (expense), net

Net income
Income attributable to noncontrolling interests

Net income attributable to Pangaea Logistics Solutions Ltd.

Earnings (loss) per common share:

Basic

Diluted
Weighted average shares used to compute earnings per common share

$

$

$

2023

2022

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

$

108.0  $
5.7 
— 
113.7 

110.5  $
7.1 
0.5 
118.1 

127.9  $
3.8 
3.9 
135.6 

122.3  $
7.1 
2.5 
131.9 

176.3  $
15.4 
— 
191.7 

173.2  $
22.4 
— 
195.6 

173.2  $
11.3 
— 
184.5 

56.8 
22.6 
13.6 
— 
5.7 
7.3 
— 
1.2 
107.2 
6.5 

(4.3)
1.0 

0.1 
(0.4)
0.4 
(3.1)

54.5 
29.1 
13.2 
0.4 
5.9 
7.1 
— 
— 
110.2 
7.9 

(4.1)
1.0 

(0.9)
(1.3)
0.2 
(5.1)

59.1 
25.5 
14.3 
3.5 
5.5 
8.1 
— 
— 
115.9 
19.7 

(4.3)
0.8 

(0.3)
4.5 
(0.2)
0.5 

57.1 
33.9 
14.7 
1.9 
5.7 
7.5 
— 
0.6 
121.3 
10.6 

(4.3)
0.7 

0.6 
(5.7)
0.3 
(8.4)

65.3 
77.7 
13.2 
— 
5.3 
7.3 
3.0 
— 
171.8 
19.9 

(3.4)
— 

(1.8)
7.5 
0.1 
2.4 

67.9 
65.7 
12.9 
— 
5.1 
7.3 
— 
0.3 
159.2 
36.4 

(3.7)
— 

(1.7)
(3.5)
0.1
(8.7)

74.7 
50.8 
15.4 
— 
5.8 
7.4 
— 
— 
154.1 
30.4 

(4.4)
0.3 

(2.4)
(4.5)
0.3
(10.7)

3.4 
0.1 
3.5  $

2.8 
0.1 
2.8  $

20.2 
(1.3)
18.9  $

2.2 
(1.0)
1.1  $

22.3 
(2.3)
20.0  $

27.7 
(2.5)
25.2  $

19.6 
(1.0)
18.7  $

117.3 
10.6 
— 
127.9 

54.2 
28.2 
15.4 
— 
3.9 
7.5 
— 
— 
109.2 
18.7 

(4.3)
0.6 

(0.8)
1.2 
0.3 
(2.9)

15.8 
(0.3)
15.5 

0.08  $

0.08  $

0.06  $

0.06  $

0.42  $

0.42  $

0.03  $

0.03  $

0.45  $

0.45  $

0.56  $

0.56  $

0.42  $

0.42  $

0.35 

0.34 

Basic

Diluted

44,712,290  44,775,438  44,775,438  44,815,282  44,388,960  44,430,487  44,415,575  44,435,664 

45,116,719  45,127,972  45,081,668  45,392,225  45,192,983  45,070,533  44,640,278  44,985,969 

F-39

 
NOTE 17 - SUBSEQUENT EVENTS

On February 15, 2024, the Company's Board of Directors declared a quarterly cash dividend of $0.10 per common share, to be paid on March 15, 2024, to
all shareholders of record as of March 1, 2024.

F-40

Pursuant to the requirements of the Section 13 or 15 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed
on its behalf by the undersigned, thereunto duly authorized on March 14, 2024.

SIGNATURES

PANGAEA LOGISTICS SOLUTIONS LTD.

/s/ Mark L. Filanowski

By:
Mark L. Filanowski
Chief Executive Officer
(Principal Executive Officer)

/s/ Gianni Del Signore

By:
Gianni Del Signore
Chief Financial Officer
(Principal Financial and Accounting Officer)

1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
POWER OF ATTORNEY

Each person whose signature appears below constitutes and appoints Mark L. Filanowski and Gianni DelSignore and each of them, as attorney-in-fact with
full power of substitution and re-substitution, for him or her and in his or her name, place or stead, in any and all capacities, to sign any and all amendments
to this annual report on Form 10-K, and to file the same, with exhibits thereto and other documents in connection therewith, with the Securities and
Exchange Commission, granting unto said attorneys-in-fact and agents, and each of them, full power and authority to do and perform each and every act and
thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as he or she might or could do in person, hereby
ratifying and confirming all that said attorneys-in-fact and agents, or their or his substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.

Pursuant to the requirements of the Securities Act of 1933, as amended, this annual report on Form 10-K has been signed by the following persons in the
capacities and on the dates indicated.

Signature

Title

/s/ Mark L. Filanowski
Mark L. Filanowski

/s/ Gianni DelSignore
Gianni DelSignore

/s/ Carl Claus Boggild
Carl Claus Boggild

/s/ Richard T. du Moulin
Richard T. du Moulin

/s/ Anthony Laura
Anthony Laura

/s/ Eric S. Rosenfeld
Eric S. Rosenfeld

/s/ David D. Sgro
David D. Sgro

/s/ Karen H. Beachy
Karen H. Beachy

    Chief Executive Officer and Director
(Principal Executive Officer)

Chief Financial Officer, Principal
Financial and Accounting Officer

Date

March 14, 2024

March 14, 2024

Director

March 14, 2024

Chairman of the Board, Director

March 14, 2024

March 14, 2024

March 14, 2024

March 14, 2024

March 14, 2024

Director

Director

Director

Director

2

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Exhibit no.

3.1

3.2

10.1

10.2

10.3

10.4

10.5

10.6

10.7

10.8

10.9

10.10

10.11

10.12

10.13

10.14

10.15

10.16

10.17

23.1
31.1
31.2
32.1
32.2
97.1
101.INS
101.SCH
101.CAL
101.DEF
101.LAB
101.PRE
104

Description
Certificate of Incorporation of the Company, as amended (incorporated by reference to Exhibit 3.1 of the Registrant's Current Report on Form S-1 filed
on February 4, 2015).
Bye-laws of Company (incorporated by reference to Exhibit 3.2 of the Registrant's Current Report on Form S-1 filed on February 4, 2015.)
Purchase Agreement by and between Bulk Nordic Five Ltd. and Nicole Navigation S.A. dated October 27, 2016 (incorporated by reference to Exhibit
10.30 of the Registrant's Current Report on Form 10-K filed on March 22, 2017).
Nordic Bulk Six Ltd. Loan Agreement (incorporated by reference to Exhibit 10.32 of the Registrant's Current Report on Form 10-K filed on March 22,
2017).
Purchase Agreement Addendum by and between Bulk Nordic Five Ltd. and Nicole Navigation S.A. dated October 27, 2016 (incorporated by reference
to Exhibit 10.34 of the Registrant's Current Report on Form 10-K filed on March 22, 2017).
Bareboat Charter Party Dated May 23, 2018 (incorporated by reference to Exhibit 10.43 of the Registrant's Current Report on Form 10-Q filed on
August 7, 2018).
Bareboat Charter Party Dated August 2, 2018 (incorporated by reference to Exhibit 10.43 of the Registrant's Current Report on Form 10-Q filed on
November 8, 2018).
Bareboat Charter Party Dated February 21, 2019 (incorporated by reference to Exhibit 10.44 of the Registrant's Current Report on Form 10-Q filed on
May 15, 2019).
The Amended Senior Facility - Dated May 13, 2019 (incorporated by reference to Exhibit 10.45 of the Registrant's Current Report on Form 10-Q filed
on August 12, 2019).
Bulk Friendship Bareboat Charter Party Dated September 10th 2019 (incorporated by reference to Exhibit 10.46 of the Registrant's Current Report on
Form 10-Q filed on November 7, 2019).
Limited Liability Company Agreement of Nordic Bulk Partners LLC. (incorporated by reference to Exhibit 10.18 of the Registrant's Current Report on
Form 10-K filed on March 23, 2020).
Bareboat Charter Party Dated September 27, 2019 (incorporated by reference to Exhibit 10.19 of Registrant's Current Report on Form 10-K filed on
March 23, 2020).
Bulk Nordic Odyssey (MI) Corp., Bulk Nordic Orion (MI) Corp. Senior Secured Term Loan Facility (incorporated by reference to Exhibit 10.19 of
Registrant's Current Report on Form 10-K filed on March 23, 2020).

Bulk Courageous Bareboat Charter dated March 27, 2021 (incorporated by reference to Exhibit 10.1 of Registrant's Current Report on Form 10-Q filed

on August 10, 2021).

Bulk Valor Corp. Loan and Security Agreement dated as of June 17, 2021 (incorporated by reference to Exhibit 10.2 of Registrant's Current Report on

Form 10-Q filed on August 10, 2021).

Bulk Nordic Five Ltd. Amendment and Restatement Agreement of Bareboat Charter dated July 1, 2021 (incorporated by reference to Exhibit 10.1 of
Registrant's Current Report on Form 10-Q filed on November 9, 2021).

Bulk Promise Corp. Loan and Security Agreement dated as of July 7, 2021 (incorporated by reference to Exhibit 10.2 of Registrant's Current Report on

Form 10-Q filed on November 9, 2021).

Bareboat Charter Party by and between Phoenix Bulk 25 Corp. and Delta Partner Ltd Dated January 27, 2022 (incorporated by reference to Exhibit
10.1of Registrant's Current Report on Form 10-Q filed on May 10, 2022).
Bulk Sachuest Corp. Loan and Security Agreement dated as of October 13, 2022 (incorporated by reference to Exhibit 10.17 of Registrant's Current
Report on Form 10-K dated March 15, 2022).
Consent of Grant Thornton LLP. *
Certification of Principal Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002*
Certification of Principal Financial and Accounting Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002*
Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002*
Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002*
Policy Relating to Recovery of Erroneously Awarded Compensation*
XBRL Instance Document*
XBRL Taxonomy Extension Schema*
XBRL Taxonomy Extension Calculation Linkbase*
XBRL Taxonomy Extension Definition Linkbase*
XBRL Taxonomy Extension Label Linkbase*
XBRL Taxonomy Extension Presentation Linkbase*
Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101)

* Filed herewith

3

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We have issued our reports dated March 14, 2024, with respect to the consolidated financial statements and internal control over financial
reporting included in the Annual Report of Pangaea Logistics Solutions Ltd. on Form 10-K for the year ended December 31, 2023. We
consent to the incorporation by reference of said reports in the Registration Statements of Pangaea Logistics Solutions Ltd. on Forms S-8 (File
No. 333-267582).

Exhibit 23.1

/s/ GRANT THORNTON LLP

Boston, Massachusetts
March 14, 2024

 
 
Exhibit 31.1

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Mark L. Filanowski, certify that:

1

2

3

4

I have reviewed this annual report on Form 10-K for the year ended December 31, 2023, of Pangaea Logistics Solutions Ltd.;

Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the
statements  made,  in  light  of  the  circumstances  under  which  such  statements  were  made,  not  misleading  with  respect  to  the  period  covered  by  this
report;

Based  on  my  knowledge,  the  financial  statements,  and  other  financial  information  included  in  this  report,  fairly  present  in  all  material  respects  the
financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

The  registrant’s  other  certifying  officer  and  I  are  responsible  for  establishing  and  maintaining  disclosure  controls  and  procedures  (as  defined  in
Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f))
for the registrant and have:

a) Designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls  and  procedures  to  be  designed  under  our  supervision,  to
ensure  that  material  information  relating  to  the  registrant,  including  its  consolidated  subsidiaries,  is  made  known  to  us  by  others  within  those
entities, particularly during the period in which this report is being prepared;

b) Designed  such  internal  control  over  financial  reporting,  or  caused  such  internal  control  over  financial  reporting  to  be  designed  under  our
supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external
purposes in accordance with generally accepted accounting principles;

c) Evaluated  the  effectiveness  of  the  registrant’s  disclosure  controls  and  procedures  and  presented  in  this  report  our  conclusions  about  the

effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent

fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5

The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the
registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

a) All material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the

registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control

over financial reporting.

Date: March 14, 2024

/s/ Mark L. Filanowski
Mark L. Filanowski
Chief Executive Officer
(Principal Executive Officer)

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Exhibit 31.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Gianni DelSignore, certify that:

1

2

3

4

I have reviewed this annual report on Form 10-K for the year ended December 31, 2021, of Pangaea Logistics Solutions Ltd.;

Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the
statements  made,  in  light  of  the  circumstances  under  which  such  statements  were  made,  not  misleading  with  respect  to  the  period  covered  by  this
report;

Based  on  my  knowledge,  the  financial  statements,  and  other  financial  information  included  in  this  report,  fairly  present  in  all  material  respects  the
financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

The  registrant’s  other  certifying  officer  and  I  are  responsible  for  establishing  and  maintaining  disclosure  controls  and  procedures  (as  defined  in
Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f))
for the registrant and have:

a) Designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls  and  procedures  to  be  designed  under  our  supervision,  to
ensure  that  material  information  relating  to  the  registrant,  including  its  consolidated  subsidiaries,  is  made  known  to  us  by  others  within  those
entities, particularly during the period in which this report is being prepared;

b) Designed  such  internal  control  over  financial  reporting,  or  caused  such  internal  control  over  financial  reporting  to  be  designed  under  our
supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external
purposes in accordance with generally accepted accounting principles;

c) Evaluated  the  effectiveness  of  the  registrant’s  disclosure  controls  and  procedures  and  presented  in  this  report  our  conclusions  about  the

effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent

fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5

The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the
registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

a) All material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the

registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control

over financial reporting.

Date: March 14, 2024

/s/ Gianni DelSignore
Gianni DelSignore
Chief Financial Officer
(Principal Financial Officer)

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.1

In connection with the Annual Report of Pangaea Logistics Solutions Ltd. (the “Company”) on Form 10-K for the year ended December 31, 2023, as filed
with the Securities and Exchange Commission on the date hereof (the “Report”), I, Mark L. Filanowski, Chief Executive Officer of the Company, certify,
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of my knowledge: 
1

The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

2

The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Date: March 14, 2024

/s/ Mark L. Filanowski
Mark L. Filanowski
Chief Executive Officer
(Principal Executive Officer)

 
 
 
 
 
 
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.2

In connection with the Annual Report of Pangaea Logistics Solutions Ltd. (the “Company”) on Form 10-K for the year ended December 31, 2021, as filed
with  the  Securities  and  Exchange  Commission  on  the  date  hereof  (the  “Report”),  I,  Gianni  DelSignore,  Chief  Financial  Officer,  certify,  pursuant  to  18
U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of my knowledge: 
The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
1

2

The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Date: March 14, 2024

/s/ Gianni DelSignore
Gianni DelSignore
Chief Financial Officer
(Principal Financial Officer)

 
 
 
 
POLICY REGARDING THE RECOVERY OF ERRONEOUSLY AWARDED COMPENSATION

PANGAEA LOGISTICS SOLUTIONS LTD.

I.

Introduction

The Board of Pangaea Logistics Solutions Ltd., a Bermuda exempted corporation incorporated under the laws of Bermuda (the “Company”), is dedicated to
maintaining  and  enhancing  a  culture  that  emphasizes  integrity  and  accountability  and  that  reinforces  the  Company’s  pay-for-performance  compensation
philosophy. In accordance with the applicable rules of The Nasdaq Stock Market (the “Exchange Rules”), and Section 10D and Rule 10D-1 of the Securities
Exchange  Act  of  1934,  as  amended  (the  “Exchange Act”),  the  Board  has  therefore  adopted  this  Policy,  which  provides  for  the  recoupment,  otherwise
referred  to  as  “clawback”,  of  certain  erroneously  awarded  Incentive-Based  Compensation  from  Executive  Officers  in  the  event  of  an  Accounting
Restatement resulting from material noncompliance with financial reporting requirements under the federal securities laws, and which is intended to comply
with Section 954 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. All capitalized terms used and not otherwise defined herein shall
have the meanings set forth in Section II.

II.

Definitions

(1) “Accounting Restatement”  means  an  accounting  restatement  due  to  the  material  noncompliance  of  the  Company  with  any  financial  reporting
requirement under the securities laws, including any required accounting restatement to correct an error in previously issued financial statements
that is material to the previously issued financial statements (a “Big R” or reissuance restatement), or that would result in a material misstatement if
the error were corrected in the current period or left uncorrected in the current period (a “little r” or revision restatement). For the avoidance of
doubt,  in  no  event  will  a  restatement  of  the  Company’s  financial  statements  that  is  not  due  in  whole  or  in  part  to  the  Company’s  material
noncompliance  with  any  financial  reporting  requirement  under  applicable  law  (including  any  rule  or  regulation  promulgated  thereunder)  be
considered an Accounting Restatement under this Policy. For example, a restatement due exclusively to a retrospective application of any one or
more of the following will not be considered an Accounting Restatement under this Policy: (i) a change in accounting principles; (ii) revision to
reportable segment information due to a change in the structure of the Company’s internal organization; (iii) reclassification due to a discontinued
operation;  (iv)  application  of  a  change  in  reporting  entity,  such  as  from  a  reorganization  of  entities  under  common  control;  and  (v)  revision  for
stock splits, reverse stock splits, stock dividends or other changes in capital structure.

(2) “Board” means the Board of Directors of the Company.

(3) “Clawback  Eligible  Incentive  Compensation”  means  all  Incentive-Based  Compensation  Received  by  an  Executive  Officer  (i)  on  or  after  the
effective date of the applicable Exchange rules adopted in order to comply with Rule 10D-1, (ii) after beginning service as an Executive Officer,
(iii)  who  served  as  an  Executive  Officer  at  any  time  during  the  applicable  performance  period  relating  to  the  applicable  Incentive-Based
Compensation  (whether  or  not  such  Executive  Officer  is  serving  as  such  at  the  time  the  Erroneously  Awarded  Compensation  is  required  to  be
repaid  to  the  Company),  (iv)  while  the  Company  has  a  class  of  securities  listed  on  a  national  securities  exchange  or  a  national  securities
association, and (v) during the applicable Clawback Period (as defined below).

(4) “Clawback Period” means, with respect to any Accounting Restatement, the three completed fiscal years of the Company immediately preceding
the  Restatement  Date  (as  defined  below),  and  if  the  Company  changes  its  fiscal  year,  any  transition  period  of  less  than  nine  months  within  or
immediately following those three completed fiscal years.

(5) “Committee” means the Compensation  Committee  of  the  Company  (if  composed  entirely  of  independent  directors,  or  in  the  absence  of  such  a

committee, a majority of independent directors serving on the Board).

(6) “Erroneously Awarded Compensation” means, with respect to each Executive Officer in connection with an Accounting Restatement, the amount
of Clawback Eligible Incentive Compensation that exceeds the amount of Incentive-Based Compensation that otherwise would have been Received
had it been determined based on the restated amounts, computed without regard to any taxes paid.

(7) “Exchange” means the Nasdaq Stock Market.

(8) “Executive Officer” means each individual who is (a) a current or former executive officer, as determined by the Committee (as defined below) in
accordance with Section 10D and Rule 10D-1 of the Exchange Act and the listing standards of the Exchange, (b) a current or former employee who
is classified by the Committee as an executive officer of the Company, which includes without limitation any of the

#10855402v1 - Pangaea Logiscs Soluons Ltd. Clawback Policy

 
Company’s  president,  principal  financial  officer,  principal  accounting  officer  (or  if  there  is  no  such  accounting  officer,  the  controller),  vice
president in charge of a principal business unit, division or function (such as sales, administration or finance), and any other person who performs
policy-making functions for the Company (including executive officers of a parent or subsidiary if they perform policy-making functions for the
Company), and (3) an employee who may from time to time be deemed subject to the Policy by the Committee. For the avoidance of doubt, the
identification  of  an  executive  officer  for  purposes  of  this  Policy  shall  include  each  executive  officer  who  is  or  was  identified  pursuant  to  Item
401(b) of Regulation S-K.

(9) “Financial  Reporting  Measures”  means  measures  that  are  determined  and  presented  in  accordance  with  the  accounting  principles  used  in
preparing the Company’s financial statements, and all other measures that are derived wholly or in part from such measures. Stock price and total
shareholder  return  (and  any  measures  that  are  derived  wholly  or  in  part  from  stock  price  or  total  shareholder  return)  shall,  for  purposes  of  this
Policy,  be  considered  Financial  Reporting  Measures.  For  the  avoidance  of  doubt,  a  Financial  Reporting  Measure  need  not  be  presented  in  the
Company’s financial statements or included in a filing with the SEC.

(10)“Incentive-Based Compensation” shall have the meaning set forth in Section III below.

(11)“Exchange Effective Date” means October 2, 2023.

(12)“Policy” means this Clawback Policy, as the same may be amended and/or restated from time to time.

(13)Incentive-Based Compensation will be deemed “Received” in the Company’s fiscal period during which the Financial Reporting Measure specified
in  the  Incentive-Based  Compensation  documentation  is  attained,  even  if  (a)  the  payment  or  grant  of  the  Incentive-Based  Compensation  to  the
Executive Officer occurs after the end of that period or (b) the Incentive-Based Compensation remains contingent and subject to further conditions
thereafter, such as time-based vesting.

(14)“Restatement Date” means the earlier to occur of (i) the date the Board, a committee of the Board, or the officer(s) of the Company authorized to
take  such  action  if  Board  action  is  not  required,  concludes,  or  reasonably  should  have  concluded,  that  the  Company  is  required  to  prepare  an
Accounting  Restatement,  or  (ii)  the  date  a  court,  regulator  or  other  legally  authorized  body  directs  the  Company  to  prepare  an  Accounting
Restatement.

(15)“SARs” means shareholder appreciate rights.

(16)“SEC” means the U.S. Securities and Exchange Commission.

III.

Incentive-Based Compensation

“Incentive-Based  Compensation”  shall  mean  any  compensation  that  is  granted,  earned  or  vested  wholly  or  in  part  upon  the  attainment  of  a  Financial
Reporting Measure.

 For purposes of this Policy, specific examples of Incentive-Based Compensation include, but are not limited to:

• Non-equity incentive plan awards that are earned based, wholly or in part, on satisfaction of a Financial Reporting Measure performance goal;
•

Bonuses  paid  from  a  “bonus  pool,”  the  size  of  which  is  determined,  wholly  or  in  part,  based  on  satisfaction  of  a  Financial  Reporting  Measure
performance goal;

• Other cash awards based on satisfaction of a Financial Reporting Measure performance goal;
•

Restricted stock, restricted stock units, performance share units, stock options and SARs that are granted or become vested, wholly or in part, on
satisfaction of a Financial Reporting Measure performance goal; and
Proceeds received upon the sale of shares acquired through an incentive plan that were granted or vested based, wholly or in part, on satisfaction of
a Financial Reporting Measure performance goal.

•

For purposes of this Policy, Incentive-Based Compensation excludes:

• Any base salaries (except with respect to any salary increases earned, wholly or in part, based on satisfaction of a Financial Reporting Measure

•

performance goal);
Bonuses paid solely at the discretion of the Committee or Board that are not paid from a “bonus pool” that is determined by satisfying a Financial
Reporting Measure performance goal;
Bonuses paid solely upon satisfying one or more subjective standards and/or completion of a specified employment period;

•
• Non-equity incentive plan awards earned solely upon satisfying one or more strategic measures (e.g., consummating a merger or divestiture) or

operational measures (e.g., completion of a project, acquiring a specified number of vessels, attainment of a certain market share); and

2

 
•

Equity awards that vest solely based on the passage of time and/or satisfaction of one or more non-Financial Reporting Measures (e.g., a time-
vested award, including time-vesting stock options or restricted share rights).

IV.

Administration and Interpretation

This Policy shall be administered by the Committee and/or the Board, and any determinations made by the Committee and/or the Board shall be final and
binding on all affected individuals. The Committee and/or the Board shall determine the amount of any Erroneously Awarded Compensation Received by
each  Executive  Officer  and  shall  promptly  deliver  written  notice  to  each  Executive  Officer  containing  the  amount  of  any  Erroneously  Awarded
Compensation and a demand for repayment or return of such compensation, as applicable. For the avoidance of doubt, recovery of Erroneously Awarded
Compensation  is  on  a  “no  fault”  basis,  meaning  that  it  will  occur  regardless  of  whether  the  Executive  Officer  engaged  in  misconduct  or  was  otherwise
directly or indirectly responsible, in whole or in part, for the Accounting Restatement.

The Committee is authorized to interpret and construe this Policy and to make all determinations and to take such actions as may be necessary, appropriate,
or  advisable  for  the  administration  of  this  Policy  and  for  the  Company’s  compliance  with  the  Exchange  Rules,  Section  10D,  Rule  10D-1  and  any  other
applicable law, regulation, rule or interpretation of the SEC or the Exchange promulgated or issued in connection therewith.

V.

Recovery of Erroneously Awarded Compensation

(1) In  the  event  of  an  Accounting  Restatement,  the  Committee  shall  promptly  determine  in  good  faith  the  amount  of  any  Erroneously  Awarded
Compensation Received in accordance with the Exchange Rules and Rule 10D-1 for each Executive Officer in connection with such Accounting
Restatement and shall promptly thereafter provide each Executive Officer with a written notice containing the amount of Erroneously Awarded
Compensation (without regard to any taxes paid thereon by the Executive Officer) and a demand for repayment or return, as applicable.

a. Cash Awards.  With  respect  to  cash  awards,  the  Erroneously  Awarded  Compensation  is  the  difference  between  the  amount  of  the  cash
award  (whether  payable  as  a  lump  sum  or  over  time)  that  was  Received  and  the  amount  that  should  have  been  received  applying  the
restated Financial Reporting Measure.

b. Cash Awards Paid from Bonus Pools. With respect to cash awards paid from bonus pools, the Erroneously Awarded Compensation is the
pro  rata  portion  of  any  deficiency  that  results  from  the  aggregate  bonus  pool  that  is  reduced  based  on  applying  the  restated  Financial
Reporting Measure.

c. Equity  Awards.  With  respect  to  equity  awards,  if  the  shares,  options  or  SARs  are  still  held  at  the  time  of  recovery,  the  Erroneously
Awarded Compensation is the number of such securities Received in excess of the number that should been received applying the restated
Financial  Reporting  Measure  (or  the  value  in  excess  of  that  number).  If  the  options  or  SARs  have  been  exercised,  but  the  underlying
shares have not been sold, the Erroneously Awarded Compensation is the number of shares underlying the excess options or SARs (or the
value thereof). If the underlying shares have already been sold, then the Committee and/or Board shall determine the amount which most
reasonably estimates the Erroneously Awarded Compensation.

d. Compensation Based on Stock Price or Total Shareholder Return. For Incentive-Based Compensation based on (or derived from) stock
price or total shareholder return, where the amount of Erroneously Awarded Compensation is not subject to mathematical recalculation
directly  from  the  information  in  the  applicable  Accounting  Restatement,  (i)  the  amount  shall  be  determined  by  the  Committee  and/or
Board  based  on  a  reasonable  estimate  of  the  effect  of  the  Accounting  Restatement  on  the  stock  price  or  total  shareholder  return  upon
which  the  Incentive-Based  Compensation  was  Received;  and  (ii)  the  Committee  and/or  Board  shall  maintain  documentation  of  such
determination  of  that  reasonable  estimate  and  provide  such  documentation  to  the  Exchange  in  accordance  with  applicable  listing
standards.

(2) The  Committee  shall  have  discretion  to  determine  the  appropriate  means  of  recovering  Erroneously  Awarded  Compensation  based  on  the

particular facts and circumstances. Notwithstanding the

3

foregoing,  except  as  set  forth  in  Section  VI  below,  in  no  event  may  the  Company  accept  an  amount  that  is  less  than  the  amount  of
Erroneously Awarded Compensation in satisfaction of an Executive Officer’s obligations hereunder.

(3) To the extent that the Executive Officer has already reimbursed the Company for any Erroneously Awarded Compensation Received under
any duplicative recovery obligations established by the Company or applicable law, it shall be appropriate for any such reimbursed amount to
be  credited  to  the  amount  of  Erroneously  Awarded  Compensation  that  is  subject  to  recovery  under  this  Policy.  To  the  extent  that  the
Erroneously Awarded Compensation is recovered under a foreign recovery regime, the recovery would meet the obligations of Rule 10D-1.
(4) To the extent that an Executive Officer fails to repay all Erroneously Awarded Compensation to the Company when due, the Company shall
take all actions reasonable and appropriate to recover such Erroneously Awarded Compensation from the applicable Executive Officer. The
applicable Executive Officer shall be required to reimburse the Company for any and all expenses reasonably incurred (including legal and
other collection related fees) by the Company in recovering such Erroneously Awarded Compensation.

VI.

Discretionary Recovery

Notwithstanding anything herein to the contrary, the Company shall not be required to take the actions contemplated by Section V above if the Committee
determines that recovery would be impracticable and any of the following three conditions are met.

(1) The Committee has determined that the direct expenses, such as reasonable legal expenses and consulting fees, paid to a third party to assist in
enforcing the Policy would exceed the amount to be recovered. In order for the Committee to make this determination, the Company must make a
reasonable attempt to recover the Erroneously Awarded Compensation, document such attempt(s) to recover, and provide such documentation to
the Exchange;

(2) Recovery would violate home country law where that law was adopted prior to November 28, 2022, provided that, before determining that it would
be  impracticable  to  recover  any  amount  of  Erroneously  Awarded  Compensation  based  on  violation  of  home  country  law,  the  Company  has
obtained an opinion of home country counsel, acceptable to the Exchange, that recovery would result in such a violation and a copy of the opinion
is provided to Exchange;

(3) Recovery would likely cause an otherwise tax-qualified retirement plan, under which benefits are broadly available to employees of the Company,
to  fail  to  meet  the  requirements  of  Section  401(a)(13)  or  Section  411(a)  of  the  Internal  Revenue  Code  of  1986,  as  amended,  and  regulations
thereunder.

VII.

 Recoupment Period Covered and Amount

If  an  Accounting  Restatement  occurs,  the  Committee  shall  review  all  Incentive-Based  Compensation  that  was  granted,  vested  or  earned  on  the  basis  of
having met or exceeded Financial Reporting Measures and that was Received by an Executive Officer during the Clawback Period. With respect to each
Executive  Officer,  the  Committee  shall,  as  provided  under  this  Policy,  seek  to  require  the  forfeiture  or  repayment  of  (1)  the  Erroneously  Awarded
Compensation, whether vested or unvested and including proceeds received upon the sale of shares acquired through an incentive plan that were granted or
vested  based  wholly  or  in  part  on  satisfying  a  Financial  Reporting  Measure,  Received  during  the  Clawback  Period  in  the  event  of  an  Accounting
Restatement, and (2) to the extent the Executive Officer engages in Detrimental Conduct, applicable Incentive-Based Compensation received thereafter.

Compensation shall be deemed to have been Received in the fiscal period in which the Financial Reporting Measure is attained, even if the Incentive-Based
Compensation is not actually paid until a later date or where the compensation is subject to additional service-based or non-financial goal-based vesting
conditions after the period ends. The amount to be recovered will be as provided for in this Policy.

VIII. Method of Recovery of Erroneously Awarded Compensation

The Committee will determine, in its sole discretion, the method for recovering Erroneously Awarded Compensation hereunder, which may include, without
limitation:

(1) Requiring reimbursement of cash Incentive-Based Compensation previously paid;
(2) Seeking recovery of any gain realized on the granting, vesting, exercise, settlement, sale, transfer or other disposition of any equity or equity-based

awards;

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(3) Offsetting the recouped amount from any compensation otherwise owed by the Company or its affiliates to the Executive Officer;
(4) Cancelling  outstanding  vested  or  unvested  equity  or  equity-based  awards  and/or  reducing  outstanding  future  payments  due  or  possibly  due  in

respect of amounts already Received; and/or

(5) Taking any other remedial and recovery action permitted by law, as determined by the Committee.

IX.

Disclosure Requirements

The Company shall file all disclosures with respect to this Policy in accordance with the requirements of the federal securities laws, including the disclosure
required by the rules and applicable filings required to be made with the SEC.

X.

No Indemnification

The Company shall not be permitted to insure or indemnify any Executive Officer against (i) the loss of any Erroneously Awarded Compensation that is
repaid, returned or recovered pursuant to the terms of this Policy, or (ii) any claims relating to the Company’s enforcement of its rights under this Policy.
Further, the Company shall not enter into any agreement that exempts any Incentive-Based Compensation that is granted, paid or awarded to an Executive
Officer from the application of this Policy or that waives the Company’s right to recovery of any Erroneously Awarded Compensation, and this Policy shall
supersede any such agreement (whether entered into before, on or after the Effective Date of this Policy). While an Executive Officer may purchase a third-
party insurance policy to fund potential recovery obligations under this Policy, the Company may not pay or reimburse the Executive Officer for premiums
for such an insurance policy.

XI.

Effective Date

This Policy shall be effective as of the Exchange Effective Date.

XII.

Amendment; Termination

The Committee and thereafter, the Board, may amend this Policy from time to time in its discretion and shall amend this Policy as it deems necessary to
comply with the requirements of any federal securities laws, SEC rule or the rules of any national securities exchange or national securities association on
which the Company’s securities are then listed. Notwithstanding anything in this Section XII to the contrary, no amendment or termination of this Policy
shall  be  effective  if  such  amendment  or  termination  would  (after  taking  into  account  any  actions  taken  by  the  Company  contemporaneously  with  such
amendment or termination) cause the Company to violate any federal securities laws, SEC rule, or the rules of any national securities exchange or national
securities association on which the Company’s securities are then listed.

XIII. Other Recovery Rights

This  Policy  will  be  applied  to  the  fullest  extent  of  the  law.  The  Board  and/or  the  Committee  may,  to  the  fullest  extent  of  the  law,  require  that  any
employment agreement, equity award agreement, or other plan, agreement or arrangement providing for incentive compensation shall, as a condition to the
grant,  receipt  or  vesting  of  any  benefit  thereunder,  require  an  Executive  Officer  to  agree  to  abide  by  the  terms  of  this  Policy,  including  requiring  the
execution of the attestation and acknowledgement set forth in Exhibit A to this Policy. Any right of recoupment under this Policy is in addition to, and not in
lieu of, any other remedies or rights of recoupment that may be available to the Company pursuant to the terms of any similar policy in any employment
agreement, equity or equity-based plan or award agreement, or other plan, agreement or arrangement providing for incentive compensation and any other
legal  remedies  available  to  the  Company.  However,  this  Policy  shall  not  provide  for  recovery  of  Incentive-Based  Compensation  that  the  Company  has
already recovered pursuant to Section 304 of the Sarbanes-Oxley Act or other recovery obligations.

XIV.

Successors

This  Policy  shall  be  binding  and  enforceable  against  all  Executive  Officers  and  their  beneficiaries,  executors,  administrators,  permitted  transferees,
permitted assignees or other legal representatives, and shall inure to the benefit of any successor or assignee of the Company.

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Exhibit A

ATTESTATION AND ACKNOWLEDGEMENT OF POLICY REGARDING THE RECOVERY OF ERRONEOUSLY AWARDED
COMPENSATION

By my signature below, I acknowledge and agree that:

•

•

I have received and read the attached Policy Regarding the Recovery of Erroneously Awarded Compensation (this “Policy”).

I hereby agree to abide by all of the terms of this Policy both during and after my employment with the Company, including, without limitation,
by promptly repaying or returning any Erroneously Awarded Compensation to the Company as determined in accordance with this Policy.

Signature:_____________________

Printed Name:_________________

Date:________________________

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