Quarterlytics / Industrials / Marine Shipping / TOP Ships Inc.

TOP Ships Inc.

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FY2019 Annual Report · TOP Ships Inc.
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20-F 1 d8447369_20-f.htm

(Mark One)

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 20-F

 [ ]

REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES
EXCHANGE ACT OF 1934

OR

[X]

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

For the fiscal year ended December 31, 2019

OR

[ ]

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

For the transition period from _________________ to _________________

OR

[ ]

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

Date of event requiring this shell company report _________________

Commission file number 001-37889

TOP SHIPS INC.
(Exact name of Registrant as specified in its charter)

(Translation of Registrant's name into English)

Republic of the Marshall Islands
(Jurisdiction of incorporation or organization)

1 Vasilisis Sofias and Megalou Alexandrou Str, 15124 Maroussi, Greece
(Address of principal executive offices)

Alexandros Tsirikos, (Tel) +30 210 812 8107, info@topships.org
1 Vasilisis Sofias and Megalou Alexandrou Str, 15124 Maroussi, Greece
 (Name, Telephone, E-mail and/or Facsimile number and Address of Company Contact Person)

Securities registered or to be registered pursuant to Section 12(b) of the Act.

Title of each class

Trading Symbol(s)

Common Stock, par value $0.01 per share

Preferred Stock Purchase Rights

TOPS

Securities registered or to be registered pursuant to Section 12(g) of the Act.

Name of each exchange
on which registered

Nasdaq Capital Market

Nasdaq Capital Market

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NONE
(Title of class)

Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act.

NONE
(Title of class)

Indicate the number of outstanding shares of each of the issuer's classes of capital or common stock as of the close of the period
covered by the annual report.

As of December 31, 2019, 8,695,348 shares of common stock, par value $0.01 per share, were outstanding.

Indicate by check mark if the registrant is well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

Yes

No

X

If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to
Section 13 or 15(d) of the Securities Exchange Act of 1934.

Yes

No

X

Note – Checking the box above will not relieve any registrant required to file reports pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934 from their obligations under those Sections.

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities
Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such
reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes

X

No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted
pursuant to Rule 405 of Regulation S-T (Sec.232.405 of this chapter) during the preceding 12 months (or for such shorter period
that the registrant was required to submit such files).

Yes

X

No

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Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or an emerging
growth company.  See the definitions of "large accelerated filer," "accelerated filer," and "emerging growth company" in Rule 12b-2
of the Exchange Act. (Check one):

       Large accelerated filer  ☐

Accelerated filer  ☐

       Non-accelerated filer  ☒

Emerging growth company ☐

If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, 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. ☐
† The term "new or revised financial accounting standard" refers to any update issued by the Financial Accounting Standards Board
to its Accounting Standards Codification after April 5, 2012

Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:

X     U.S. GAAP

    International Financial Reporting Standards as issued by the International Accounting Standards Board
    Other

If "Other" has been checked in response to the previous question, indicate by check mark which financial statement item the
registrant has elected to follow:

________  Item 17

________  Item 18

If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the
Exchange Act).

Yes

No

X

(APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY PROCEEDINGS DURING THE PAST FIVE YEARS)

Indicate by check mark whether the registrant has filed all documents and reports required to be filed by Sections 12, 13 or 15(d) of
the Securities Exchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court.

Yes

No

X

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TABLE OF CONTENTS

PART I
ITEM 1.
ITEM 2.
ITEM 3.
ITEM 4.
ITEM 4A.
ITEM 5.
ITEM 6.
ITEM 7.
ITEM 8.
ITEM 9.
ITEM 10.
ITEM 11.
ITEM 12.
PART II
ITEM 13.
ITEM 14.

ITEM 15.
ITEM 16A.
ITEM 16B.
ITEM 16C.
ITEM 16D.
ITEM 16D.
ITEM 16F.
ITEM 16G.
ITEM 16H.
PART III
ITEM 17.
ITEM 18.
ITEM 19.

IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS
OFFER STATISTICS AND EXPECTED TIMETABLE
KEY INFORMATION
INFORMATION ON THE COMPANY
UNRESOLVED STAFF COMMENTS
OPERATING AND FINANCIAL REVIEW AND PROSPECTS
DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES
MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS
FINANCIAL INFORMATION.
THE OFFER AND LISTING.
ADDITIONAL INFORMATION
QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES

DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES
MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF
PROCEEDS
CONTROLS AND PROCEDURES
AUDIT COMMITTEE FINANCIAL EXPERT
CODE OF ETHICS
PRINCIPAL AUDITOR FEES AND SERVICES
EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES
PURCHASES OF EQUITY SECURITIES BY THE ISSUER AND AFFILIATED PURCHASERS
CHANGE IN REGISTRANT'S CERTIFYING ACCOUNTANT
CORPORATE GOVERNANCE
MINE SAFETY DISCLOSURE

FINANCIAL STATEMENTS
FINANCIAL STATEMENTS
EXHIBITS

Page

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CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS

Matters discussed in this report may constitute forward-looking statements. The Private Securities Litigation Reform Act
of 1995, or the PSLRA, provides safe harbor protections for forward-looking statements in order to encourage companies to provide
prospective information about their business. Forward-looking statements include statements concerning plans, objectives, goals,
strategies,   future   events   or   performance,   and   underlying   assumptions   and   other   statements,   which   are   statements   other   than
statements of historical facts.

TOP Ships Inc. desires to take advantage of the safe harbor provisions of the PSLRA and is including this cautionary
statement in connection with this safe harbor legislation. This annual report and any other written or oral statements made by us or
on our behalf may include forward-looking statements, which reflect our current views with respect to future events and financial
performance. When used in this annual report, statements that are predictive in nature, that depend upon or refer to future events or
conditions,   or   that   include   words   such   as   "anticipate,"   "believe,"   "expect,"   "intend,"   "estimate,"   "forecast,"   "project,"   "plan,"
"potential," "continue," "possible," "likely," "may," "should," and similar expressions identify forward-looking statements.

The forward-looking statements in this annual report are based upon various assumptions, many of which are based, in
turn,   upon   further   assumptions,   including   without   limitation,   management's   examination   of   historical   operating   trends,   data
contained in our records and other data available from third parties. Although we believe that these assumptions were reasonable
when made, because these assumptions are inherently subject to significant uncertainties and contingencies that are difficult or
impossible to predict and are beyond our control, we cannot assure you that we will achieve or accomplish these expectations,
beliefs or projections.

In addition to these assumptions and matters discussed elsewhere herein and in the documents incorporated by reference
herein, important factors that, in our view, could cause actual results to differ materially from those discussed in the forward-
looking statements include the following:

•

•

•

•

•

•

•

•

•

•

•

•

our ability to maintain or develop new and existing customer relationships with major refined product importers and
exporters, major crude oil companies and major commodity traders, including our ability to enter into long-term
charters for our vessels;

our future operating and financial results;

our future vessel acquisitions, our business strategy and expected capital spending or operating expenses, including
any dry-docking and insurance costs;

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

oil and chemical tanker industry trends, including charter rates and vessel values and factors affecting vessel supply
and demand;

our ability to take delivery of, integrate into our fleet, and employ any newbuildings we may order in the future and
the ability of shipyards to deliver vessels on a timely basis;

the aging of our vessels and resultant increases in operation and dry-docking costs;

the ability of our vessels to pass classification inspections and vetting inspections by oil majors and big chemical
corporations;

significant changes in vessel performance, including increased vessel breakdowns;

the creditworthiness of our charterers and the ability of our contract counterparties to fulfill their obligations to us;

our ability to repay outstanding indebtedness, to obtain additional financing and to obtain replacement charters for
our vessels, in each case, at commercially acceptable rates or at all;

changes to governmental rules and regulations or actions taken by regulatory authorities and the expected costs
thereof;

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•

•

•

•

•

•

•

•

•

our ability to comply with additional costs and risks related to our environmental, social and governance policies;

potential liability from litigation and our vessel operations, including discharge of pollutants;

changes in general economic and business conditions;

general domestic and international political conditions, potential disruption of shipping routes due to accidents,
political events, including "trade wars," piracy or acts by terrorists;

changes in production of or demand for oil and petroleum products and chemicals, either globally or in particular
regions;

the strength of world economies and currencies, including fluctuations in charterhire rates and vessel values;

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

the length and severity of the recent coronavirus (COVID-19) outbreak and its impact on the demand for
commercial seaborne transportation and the condition to the financial markets; and

and other important factors described from time to time in the reports filed by us with the U.S. Securities and
Exchange Commission, or the SEC.

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

Any forward-looking statements contained herein are made only as of the date of this annual report, and except to the
extent required by applicable law or regulation we undertake no obligation to update any forward-looking statement or statements
to reflect events or circumstances after the date on which such statement is made or to reflect the occurrence of unanticipated
events. New factors emerge from time to time, and it is not possible for us to predict all or any of these factors. Further, we cannot
assess the impact of each such factor on our business or the extent to which any factor, or combination of factors, may cause actual
results to be materially different from those contained in any forward-looking statement.

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PART I

ITEM 1.

IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS

Not Applicable.

ITEM 2.

OFFER STATISTICS AND EXPECTED TIMETABLE

Not Applicable.

ITEM 3.

KEY INFORMATION

Unless the context otherwise requires, as used in this annual report, the terms "Company," "we," "us," and "our" refer to
TOP Ships Inc. and all of its subsidiaries, and "TOP Ships Inc." refers only to TOP Ships Inc. and not to its subsidiaries. We use the
term deadweight ton, or dwt, in describing the size of vessels. Dwt, expressed in metric tons each of which is equivalent to 1,000
kilograms,   refers   to   the   maximum   weight   of   cargo   and   supplies   that   a   vessel   can   carry.   Throughout   this   annual   report,   the
conversion from Euros, or €, to U.S. dollars, or $, is based on the U.S. dollar/Euro exchange rate of 0.8924 as of December 31,
2019, unless otherwise specified.

A.

Selected Financial Data

The following table sets forth our selected Statement of Comprehensive (Loss)/Income and Balance Sheet Data 
("Historical consolidated financial information)" and other operating data as of and for the periods indicated. Our selected historical
consolidated financial information as of December 31, 2018 and 2019 and for the years ended December 31, 2017, 2018 and 2019
is derived from our audited consolidated financial statements included in "Item 18. Financial Statements" herein. The selected
historical consolidated financial information as of December 31, 2015, 2016 and 2017 and for the years ended December 31, 2015
and 2016 is derived from our audited consolidated financial statements that are not included in this annual report. Our consolidated
financial statements are prepared and presented in accordance with U.S. generally accepted accounting principles, or U.S. GAAP.

The information provided below should be read in conjunction with "Item 4. Information on the Company" and "Item 5.
Operating   and   Financial   Review   and   Prospects"   and   the   consolidated   financial   statements,   related   notes   and   other   financial
information included herein.

Following the one-for-ten reverse stock split of our issued and outstanding common shares effective on February 22, 2016,
a one-for-twenty reverse stock split of our issued and outstanding common shares effective on May 11, 2017, a one-for-fifteen
reverse stock split of our issued and outstanding common shares effective on June 23, 2017, a one-for-thirty reverse stock split of
our   issued  and  outstanding  common  shares  effective   on   August   3,  2017,   a  one-for-two   reverse  stock   split   of   our  issued  and
outstanding common shares effective on October 6, 2017,  a one-for-ten reverse stock split of our issued and outstanding common
shares effective on March 26, 2018 and a one-for-twenty reverse stock split of our issued and outstanding common shares effective
on  August  22,  2019,  all  share  and per  share  amounts  disclosed  throughout  this annual  report, in  the  table  below and  in  our
consolidated   financial   statements   have   been   retroactively   updated   to   reflect   this   change   in   capital   structure,   unless   otherwise
indicated. Please see "Item 4. Information on the Company—History and Development of the Company".

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U.S. Dollars in thousands, except per share data
STATEMENT OF COMPREHENSIVE
(LOSS)/INCOME
Time charter revenues
Time charter revenues from related parties
Voyage charter revenue
Total charter revenue

Voyage expenses
Operating lease expense1
Bareboat charter hire expense1
Amortization of prepaid bareboat charter hire1
Vessel operating expenses
Dry-docking costs
Management fees-related parties
General and administrative expenses
Other operating (income)/loss
Vessel depreciation
Impairment on vessels

2015

2016

2017

2018

2019

13,075
-
-
13,075

370
-
5,274
1,431
4,789
-
1,621
2,983
274
668
3,081

28,433
-
-
28,433

736
-
6,299
1,577
9,913
-
1,824
2,906
(3,137)
3,467
-

39,363
-
-
39,363

999
-
6,282
1,657
13,444
-
4,730
5,805
(914)
5,744
-

39,442
1,606
-
41,048

1,020
-
6,282
1,657
14,826
-
7,765
6,997
-
6,390
-

61,695
1,311
3,082
66,088

3,038
7,054
-
-
22,786
399
2,443
1,730
-
12,392
12,310

Operating (loss)/income

(7,416)

4,848

1,616

(3,889)

3,936

Interest and finance costs
(Loss)/gain on derivative financial instruments
Interest income
Equity (losses)/gains on investments
Other (expense)/income, net
Impairment on unconsolidated joint ventures

Net (loss)/income and comprehensive
(loss)/income
Deemed dividend for beneficial conversion feature
of Series B & E convertible preferred stock
Deemed dividend equivalents on outstanding Series
E Preferred Shares related to redemption value
Series E Preferred Shares Dividend
Deemed dividend on Series E Preferred Shares
realized redemptions
Net loss attributable to common shareholders
Attributable to:
Common stock holders
Non-controlling interests

Loss per share, basic
Loss per share, diluted
Weighted average common shares outstanding,
basic
Weighted average common shares outstanding,
diluted

Other comprehensive loss
Effective portion of changes in fair value of interest
swap contracts
Total other comprehensive loss
Attributable to:
Common stock holders
Non-controlling interests

(719)
(392)
-
-
20
-

(3,093)
(698)
-
-
(5)
-

(15,793)
(301)
13
(27)
1,120
-

(9,662)
1,821
130
291
180
-

(18,077)
1,601
133
778
-
(3,144)

(8,507)

1,052

(13,372)

(11,129)

(14,773)

-

-
-

-
(8,507)

(8,507)
-

(1, 403)

-
-

-
(351)

(351)
-

-

-
-

-

-
-

-
(13,372)

(13,404)
32

-
(11,129)

(11,134)
5

(9,339)

(2,359)
(2,650)

(1,868)
(30,985)

(30,985)
-

$(15,467,280) $
$(15,467,280) $

(319,100) $
(319,100) $

(251) $
(251) $

(12.20) $
(12.20) $

(10.58)
(10.58)

-

-

-
(8,507)

(8,507)
-

1

1

-
(351)

(351)
-

53,169

909,072

2,927,608

53,169

909,072

2,927,608

-
(13,372)

(13,404)
32

-
(11,129)

(11,134)
5

(1,361)
(32,346)

(32,346)
-

1 New guidance on Leases was implemented on January 1, 2019 and as permitted under the transition rules we elected not to
restate comparative figures

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U.S. dollars in thousands, unless otherwise stated
BALANCE SHEET DATA
Current assets
Total assets
Current liabilities, including current portion of long-
term debt
Non-current liabilities
Total debt
Stockholders' and mezzanine equity
Preferred stock
Common stock

2015

2016

2017

2018

2019

5,269
74,006

17,577
22,276
24,226
34,153
-
-

4,541
143,317

20,033
76,022
84,539
45,521
-
-

29,055
220,448

25,581
87,593
103,949
107,274
1
4

5,288
258,488

36,819
117,388
140,655
104,281
1
11

50,742
444,890

75,417
263,716
309,007
105,757
1
87

OTHER FINANCIAL DATA

FLEET DATA
Total number of vessels at end of period
(including leased vessels)
Average number of vessels(1)
Total calendar days for fleet(2)
Total available days for fleet(3)
Total operating days for fleet(4)
Total time charter days for fleet
Total spot (voyage) days for fleet
Fleet utilization(5)

2015

2016

2017

2018

2019

3.0
2.2
810
805
796
796
-

6.0
5.0
1,812
1,812
1,799
1,799
-

7.0
6.8
2,496
2,495
2,491
2,491
-

8.0
7.3
2,670
2,668
2,663
2,663
-

98.91%

99.28%

99.81%

99.81%

12.0
11.1
4,055
4,032
3,959
3,884
75
98.17%

AVERAGE DAILY RESULTS
Time charter equivalent(6)
Vessel operating expenses(7)
General and administrative expenses(8)

U.S. dollars in thousands
Adjusted EBITDA(9)

$
$
$

$

2015

2016

2017

2018

2019

15,961
5,914
3,684

$
$
$

15,396
5,470
1,604

$
$
$

15,403
5,386
2,323

$
$
$

15,031
5,552
2,620

$
$
$

16,233
5,619
427

2015

2016

2017

2018

2019

3,058

$

16,186

$

16,405

$

10,910

$

36,470

(1)

(2)

(3)

(4)

(5)

(6)

Average number of vessels is the number of vessels that constituted our fleet (including chartered in vessels) for the relevant
period, as measured by the sum of the number of days each vessel was a part of our fleet during the period divided by the
number of calendar days in that period.
Calendar days are the total days the vessels were in our possession for the relevant period. Calendar days are an indicator of
the size of our fleet over the relevant period and affect both the amount of revenues and expenses that we record during that
period.
Available days are the number of calendar days less the aggregate number of days that our vessels are off-hire due to
scheduled repairs or scheduled guarantee inspections in the case of newbuildings, vessel upgrades or special or intermediate
surveys   and   the   aggregate   amount   of   time   that   we   spend   positioning   our   vessels.   Companies   in   the   shipping   industry
generally use available days to measure the number of days in a period during which vessels should be capable of generating
revenues.
Operating days are the number of available days in a period less the aggregate number of days that our vessels are off-hire
due to unforeseen technical circumstances. The shipping industry uses operating days to measure the aggregate number of
days in a period that our vessels actually generate revenue.
Fleet utilization is calculated by dividing the number of operating days during a period by the number of available days
during   that   period.   The   shipping   industry   uses   fleet   utilization   to   measure   a   company's   efficiency   in   finding   suitable
employment for its vessels and minimizing the number of days that its vessels are off-hire for reasons other than scheduled
repairs or scheduled guarantee inspections in the case of newbuildings, vessel upgrades, special or intermediate surveys and
vessel positioning.
Time charter equivalent rate, or TCE rate, is a measure of the average daily revenue performance of a vessel.  Our method of
calculating TCE rate is determined by dividing TCE revenues by operating days for the relevant time period. TCE revenues
are revenues minus voyage expenses. Voyage expenses primarily consist of port, canal and fuel costs that are unique to a
particular voyage, which would otherwise be paid by the charterer under a time charter contract, but are payable by us in the
case of a voyage charter, as well as commissions. TCE revenues and TCE rate, which are non-U.S. GAAP measures, provide
additional   supplemental   information   in   conjunction   with   shipping   revenues,   the   most   directly   comparable   U.S.   GAAP
measure. We use  TCE rates  and  TCE revenues  to compare period-to-period changes  in  our  performance  and it  assists
investors and our management in evaluating our financial performance. The following table below reflects the reconciliation
of TCE revenues to revenues as reflected in the consolidated statements of operations and our calculation of TCE rates for
the periods presented.

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U.S. dollars in thousands, except average daily time
charter equivalent and total operating days
On a consolidated basis
Total Revenues*
Less:
Voyage expenses
 Time charter equivalent revenues
Total operating days

$

$

2015

2016

2017

2018

2019

13,075

$

28,433

$

39,363

$

41,048

$

66,088

(370)
12,705
796

$

(736)
27,697
1,799

$

(999)
38,364
2,491

$

(1,020)
40,028
2,663

$

(3,038)
63,050
3,884

Average Daily Time Charter Equivalent (TCE)
*Represents the aggregate of Time charter revenues from third parties, Time charter revenues from Related Parties and Voyage
charter revenue from third parties

15,403

15,031

15,961

16,233

15,396

$

$

$

$

$

(7)

(8)

(9)

Daily vessel operating expenses, which include crew costs, provisions, deck and engine stores, lubricating oil, insurance,
maintenance and repairs are calculated by dividing vessel operating expenses by fleet calendar days for the relevant time
period.
Daily general and administrative expenses are calculated by dividing general and administrative expenses by fleet calendar
days for the relevant time period.
Adjusted Earnings Before Interest, Taxes, Depreciation, Amortization (Adjusted EBITDA), is not a measure prepared in
accordance with U.S. GAAP. We define Adjusted EBITDA as earnings before interest, taxes, depreciation and amortization,
vessel bareboat charter hire expenses (including amortization of prepaid hire), operating lease expenses, asset impairments,
and gains/losses on derivative financial instruments. Adjusted EBITDA is a non-U.S. GAAP financial measure that is used
as a supplemental financial measure by management and external users of financial statements, such as investors, to assess
our financial and operating performance. We believe that this non-GAAP financial measure assists our management and
investors by increasing the comparability of our performance from period to period. This is achieved by excluding the
potentially disparate effects between periods of interest, gain/loss on financial instruments, depreciation and amortization,
vessel bareboat charter hire expenses (including amortization of prepaid hire), operating lease expenses, asset impairments
and which items are affected by various and possibly changing financing methods, capital structure and historical cost basis
and which items may significantly affect results of operations between periods. This non-U.S. GAAP measure should not be
considered in isolation from, as a substitute for, or superior to financial measures prepared in accordance with U.S. GAAP. 
In evaluating Adjusted EBITDA, you should be aware that in the future we may incur expenses that are the same as or
similar to some of the adjustments in this presentation. Our definition of Adjusted EBITDA may not be the same as reported
by other companies in the shipping industry or other industries. Adjusted EBITDA does not represent and should not be
considered as an alternative to operating income or cash flow from operations, as determined in accordance with U.S. GAAP.

U.S. dollars in thousands
Net (loss)/income and comprehensive
(loss)/income

Add: Bareboat charter hire expenses
Add: Amortization of prepaid bareboat charter hire
Add: Operating lease expense
Add: Vessel depreciation
Add: Impairment on vessel
Add: Impairment on unconsolidated joint ventures
Add: Interest and finance costs
Add: Loss/(gain) on derivative financial instruments
Less: Interest income

Adjusted EBITDA

B.

Capitalization and Indebtedness

Not Applicable.

C.

Reasons for the Offer and Use of Proceeds

Not Applicable.

2015

2016

2017

2018

2019

1,052

6,299
1,577
-
3,467
-
-
3,093
698
-

16,186

(13,372)

(11,129)

(14,773)

6,282
1,657
-
5,744
-
-
15,793
301
-

16,405

6,282
1,657
-
6,389
-
-
9,662
(1,821)
(130)

-
-
7,054
12,392
12,310
3,144
18,077
(1,601)
(133)

10,910

36,470

(8,507)

5,274
1,431
-
668
3,081
-
719
392
-

3,058

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D.

Risk Factors

The following risks relate principally to the industry in which we operate and our business in general. Any of these risk
factors could materially and adversely affect our business, financial condition or operating results and the trading price of our
common shares.

RISKS RELATED TO OUR INDUSTRY

The international tanker industry has historically been both cyclical and volatile and this may lead to reductions and

volatility in our charter rates, our vessel values, our revenues, earnings and cash flow results.

The international tanker industry in which we operate is cyclical, with attendant volatility in charter hire rates, vessel
values and industry profitability. For tanker vessels, the degree of charter rate volatility has varied widely. Please see "—The
international oil tanker industry has experienced volatile charter rates and vessel values and there can be no assurance that these
charter rates and vessel values will not decrease in the near future." Currently, all of our vessels are employed on time charters.
However, changes in spot rates and time charter rates can affect the revenues we receive from operations in the event our charterers
default or seek to renegotiate the charter hire, as well as the value of our vessels, even if our vessels are employed under long-term
time charters. Our ability to re-charter our vessels on the expiration or termination of their time or bareboat charters and the charter
rates payable under any renewal or replacement charters will depend upon, among other things, economic conditions in the tanker
markets and several other factors outside of our control. If we enter into a charter when charter rates are low, our revenues and
earnings will be adversely affected. A decline in charter hire rates will also likely cause the value of our vessels to decline.

Fluctuations in charter rates and vessel values result from changes in the supply and demand for vessels and changes in the
supply and demand for oil, chemicals and other liquids our vessels carry. Factors affecting the supply and demand for our vessels
are   outside   of   our   control   and   are   unpredictable.   The   nature,   timing,   direction   and   degree   of   changes   in   the   tanker   industry
conditions are also unpredictable.

Factors that influence demand for tanker vessel capacity include:

•

•

•

•

•

•

•

•

•

•

•

supply and demand for petroleum products and chemicals carried;

changes in oil production and refining capacity resulting in shifts in trade flows for oil products;

the distance petroleum products and chemicals are to be moved by sea;

global and regional economic and political conditions, including "trade wars" and developments in international
trade, national oil reserves policies, fluctuations in industrial and agricultural production, armed conflicts and work
stoppages;

increases in the production of oil in areas linked by pipelines to consuming areas, the extension of existing, or the
development of new pipeline systems in markets we may serve, or the conversion of existing non-oil pipelines to oil
pipelines in those markets;

environmental and other legal and regulatory developments;

economic slowdowns caused by public health events such as the recent COVID-19 outbreak;

currency exchange rates;

weather, natural disasters and other acts of God;

competition from alternative sources of energy, other shipping companies and other modes of transportation; and

international sanctions, embargoes, import and export restrictions, nationalizations, piracy and wars.

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The factors that influence the supply of tanker capacity include:

•

•

•

•

•

•

•

•

•

•

•

the number of newbuilding deliveries;

current and expected newbuilding orders for vessels;

the scrapping rate of older vessels;

vessel freight rates, which are affected by factors that may affect the rate of newbuilding, swapping and laying up of
vessels;

the price of steel and vessel equipment;

technological advances in the design and capacity of vessels;

potential conversion of vessels for alternative use;

changes in environmental and other regulations that may limit the useful lives of vessels;

port or canal congestion;

the number of vessels that are out of service at a given time, namely those that are laid-up, drydocked, awaiting
repairs or otherwise not available for hire, including those that are in drydock for the purpose of installing exhaust
gas cleaning systems, known as scrubbers; and

changes in global petroleum and chemical production.

The factors affecting the supply and demand for tankers have been volatile and are outside of our control, and the nature,
timing and degree of changes in industry conditions are unpredictable. Market conditions have been volatile in recent years and
continued volatility may reduce demand for transportation of oil, petroleum products and chemicals over longer distances and
increase the supply of tankers, which may have a material adverse effect on our business, financial condition, results of operations,
cash flows, ability to pay dividends and existing contractual obligations.

Outbreaks of epidemic and pandemic diseases and governmental responses thereto could adversely affect our business.

Public   health   threats,   such   as   the   COVID-19   outbreak   (as   described   more   fully   below),   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 any outstanding or future newbuilding
projects, as well as the operations of our customers.

The   recent   outbreak   of   coronavirus   COVID-19,   a   virus   causing   potentially   deadly   respiratory   tract   infections   first
identified in China and subsequently spreading around the world, has negatively affected economic conditions, the supply chain and
the labor market regionally as well as globally and may otherwise impact our operations and the operations of our customers and
suppliers.   As   of   March   2020,   the   outbreak   of   COVID-19   has   been   declared   a   pandemic   by   the   World   Health   Organization
("WHO"). Governments in affected countries are imposing travel bans, quarantines and other emergency public health measures. As
of March 15, 2020, the United States has temporarily restricted travel by foreign nationals into the country from a number of areas,
including China and Europe. In addition, on March 18, 2020, the U.S. and Canada agreed to restrict all nonessential travel across
the border. Companies are also taking precautions, such as requiring employees to work remotely, imposing travel restrictions and
temporarily closing businesses. These restrictions, and future prevention and mitigation measures, are likely to have an adverse
impact on global economic conditions, which could materially and adversely affect our future operations. Uncertainties regarding
the economic impact of the COVID-19 outbreak are likely to result in sustained market turmoil, which could also negatively impact
our business, financial condition and cash flows. These measures, though temporary in nature, may continue and increase as
countries attempt to contain the outbreak. As a result of these measures, our vessels may not be able to call on ports, or may be
restricted   from   disembarking   from   ports,   located   in   regions   affected   by   COVID-19.   In   addition   we   may   experience   severe
operational disruptions and delays, unavailability of normal port infrastructure and services including limited access to equipment,
critical goods and personnel, disruptions to crew change, quarantine of ships and/or crew, counterparty solidity, closure of ports and
custom offices, as well as disruptions in the supply chain and industrial production which may lead to reduced cargo demand,
amongst other potential consequences attendant to epidemic and pandemic diseases.  The extent of the COVID-19 outbreak's effect
on our operational and financial performance will depend on future developments, including the duration, spread and intensity of
the outbreak, all of which are uncertain and difficult to predict considering the rapidly evolving landscape. As a result, we cannot
predict the impact it may have on our future operations, which could be material and adverse, particularly if the pandemic continues
to evolve into a severe worldwide health crisis.

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In addition, public health threats such as COVID-19, in any area, including areas where we do not operate, could disrupt
international transportation. Our crews generally work on a rotation basis, with a substantial portion relying on international air
transport for rotation. Any such disruptions could impact the cost of rotating our crews, and possibly impact our ability to maintain
a full crew on all vessels at any given time. Any of these public health threats and related consequences could adversely affect our
financial results.

The international oil tanker industry has experienced volatile charter rates and vessel values and there can be no

assurance that these charter rates and vessel values will not decrease in the near future.

The Baltic Dirty Tanker Index, or the BDTI, a U.S. dollar daily average of charter rates issued by the Baltic Exchange that
takes into account input from brokers around the world regarding crude oil fixtures for various routes and oil tanker vessel sizes,
has been volatile. For example, in 2019, the BDTI reached a high of 1,958 and a low of 610. The Baltic Clean Tanker Index, or
BCTI, a comparable index to the BDTI but for petroleum product fixtures, has similarly been volatile. In 2019, the BCTI reached a
high of 1,031 and a low of 448. Although the BDTI and BCTI were 1,122 and 827, respectively, as of April 7, 2020, there can be no
assurance that the crude oil and petroleum products charter market will increase, and the market could again decline. This volatility
in charter rates depends, among other factors, on (i) the demand for crude oil and petroleum products, (ii) the inventories of crude
oil and petroleum products in the United States and in other industrialized nations, (iii) oil refining volumes, (iv) oil prices, and (v)
any restrictions on crude oil production imposed by the Organization of the Petroleum Exporting Countries, or OPEC, and non-
OPEC oil producing countries.

If the charter rates in the oil tanker market decline from their current levels, our future earnings may be adversely affected,
we may have to record impairment adjustments to the carrying values of our fleet and we may not be able to comply with the
financial covenants in our loan agreements.

Volatile economic conditions throughout the world could have an adverse impact on our operations and financial

results.

Among   other   factors,   we   face   risks   attendant   to   changes   in   economic   environments,   changes   in   interest   rates,   and

instability in the banking and securities markets around the world.

The world economy continues to face a number of challenges. Concerns persist regarding the debt burden of certain
European countries and their ability to meet future financial obligations and the overall stability of the euro. A renewed period of
adverse development in the outlook for the financial stability of European countries, or market perceptions concerning these and
related issues, could reduce the overall demand for oil and chemicals, and thus for shipping and our services, and thereby could
affect our financial position, results of operations and cash available for distribution. In addition, turmoil and hostilities in the
Middle East and other geographic areas and countries may negatively impact the world economy.

A general deterioration in the global economy may also cause a decrease in worldwide demand for certain goods and, thus,
shipping. In the past, economic and governmental factors, together with concurrent declines in charter rates and vessel values, have
had a material adverse effect on our results of operations, financial condition and cash flows, causing the price of our common
shares to decline.

European countries have recently experienced relatively slow growth. Over the past several years, the credit markets in
Europe   have   experienced   significant   contraction,   deleveraging   and   reduced   liquidity,   and   European   authorities   continue   to
implement a broad variety of governmental action and/or new regulation of the financial markets. Worldwide economic conditions
have in the past impacted, and could  in  the future impact, lenders' willingness  to  provide credit to us  and our customers.  If
economic conditions in Europe preclude or limit financing, we may not be able to obtain financing on terms that are acceptable to
us, or at all, even if conditions outside Europe remain favorable for lending.

The current state of the global financial markets and current economic conditions may adversely impact our results of
operation, financial condition, cash flows and ability to obtain financing or refinance our existing and future credit facilities on
acceptable terms, which may negatively impact our business.

Global financial markets and economic conditions have been, and continue to be, volatile. Beginning in February 2020,
due in part to fears associated with the spread of COVID-19 (as more fully described below), global financial markets and starting
in late February, financial markets in the U.S. experienced even greater relative volatility and a steep and abrupt downturn, which
volatility and downturn may continue as COVID-19 continues to spread. Credit markets and the debt and equity capital markets
have been distressed and the uncertainty surrounding the future of the global credit markets has resulted in reduced access to credit
worldwide, particularly for the shipping industry. These issues, along with significant write-offs in the financial services sector, the
re-pricing of credit risk and the current weak economic conditions, have made, and will likely continue to make, it difficult to
obtain additional financing. The current state of global financial markets and current economic conditions might adversely impact
our ability to issue additional equity at prices that will not be dilutive to our existing shareholders or preclude us from issuing equity
at all. Economic conditions and the economic slow-down resulting from COVID-19 and the intentional governmental responses to
the virus may also adversely affect the market price of our common shares.

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Also,   as   a   result   of   concerns   about   the   stability   of   financial   markets   generally,   and   the   solvency   of   counterparties
specifically, the availability and cost of obtaining money from the public and private equity and debt markets has become more
difficult. 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 and other market participants,
including equity and debt investors, and some have been unwilling to invest on attractive terms or even at all. Due to these factors,
we cannot be certain that financing will be available if needed and to the extent required, or that we will be able to refinance our
existing and future credit facilities, on acceptable terms or at all. If financing or refinancing is not available when needed, or is
available only on unfavorable terms, we may be unable to 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.
The recent COVID-19 outbreak has negatively impacted, and may continue to negatively impact, global economic activity, demand
for energy, and funds flows and sentiment in the global financial markets. Continued economic disruption caused by the continued
failure to control the spread of the virus could significantly impact our ability to obtain additional debt financing.

Volatility of LIBOR and potential changes of the use of LIBOR as a benchmark could affect our profitability, earnings

and cash flow.

The   London   Interbank   Offered   Rate   ("LIBOR")   is   the   subject   of   recent   national,   international   and   other   regulatory
guidance and proposals for reform. These reforms and other pressures may cause LIBOR to be eliminated or to perform differently
than in the past. The consequences of these developments cannot be entirely predicted, but could include an increase in the cost of
our variable rate indebtedness and obligations. LIBOR has been volatile in the past, with the spread between LIBOR and the prime
lending   rate   widening   significantly   at   times.   Because   the   interest   rates   borne   by   a   significant   portion   of   our   outstanding
indebtedness fluctuates with changes in LIBOR, significant changes in LIBOR would have a material effect on the amount of
interest payable on our debt, which in turn, could have an adverse effect on our financial condition.

Furthermore, the calculation of interest in most financing agreements in our industry has been based on published LIBOR
rates. Due in part to uncertainty relating to the LIBOR calculation process, in recent years, it is likely that LIBOR will be phased
out in the future. As a result, lenders have insisted on provisions that entitle the lenders, in their discretion, to replace published
LIBOR as the base for the interest calculation with their cost-of-funds rate. If we are required to agree to such a provision in future
financing agreements, our lending costs could increase significantly, which would have an adverse effect on our profitability,
earnings and cash flow. In addition, the banks currently reporting information used to set LIBOR will likely stop such reporting
after   2021,   when   their   commitment   to   reporting   information   ends.   The   Alternative   Reference   Rate   Committee,   a   committee
convened by the Federal Reserve that includes major market participants, has proposed an alternative rate to replace U.S. Dollar
LIBOR: the Secured Overnight Financing Rate, or "SOFR." The impact of such a transition from LIBOR to SOFR could be
significant for us.

In order to manage our exposure to interest rate fluctuations, we may from time to time use interest rate derivatives to
effectively fix some of our floating rate debt obligations. No assurance can however be given that the use of these derivative
instruments, if any, may effectively protect us from adverse interest rate movements. The use of interest rate derivatives may affect
our results through mark to market valuation of these derivatives. Also, adverse movements in interest rate derivatives may require
us to post cash as collateral, which may impact our free cash position. Interest rate derivatives may also be impacted by the
transition from LIBOR to SOFR or other alternative rates.

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 will operate or are
registered,   which   can   significantly   affect   the   operation   of   our   vessels.   These   regulations   include,   but   are   not   limited   to   the
International Convention for the Prevention of Pollution from Ships of 1973, as from time to time amended and generally referred
to as MARPOL, including the designation of Emission Control Areas, or ECAs, thereunder, the International Convention on Load
Lines of 1966, the International Convention on Civil Liability for Oil Pollution Damage of 1969, generally referred to as CLC, the
International Convention on Civil Liability for Bunker Oil Pollution Damage, or Bunker Convention, the International Convention
for the Safety of Life at Sea of 1974, or SOLAS, the International Safety Management Code for the Safe Operation of Ships and for
Pollution Prevention, or ISM Code, the International Convention for the Control and Management of Ships' Ballast Water and
Sediments, or the BWM Convention, the U.S. Oil Pollution Act of 1990, or OPA, the Comprehensive Environmental Response,
Compensation and Liability Act, or CERCLA, the U.S. Clean Water Act, the U.S. Clean Air Act, the U.S. Outer Continental Shelf
Lands Act, the U.S. Maritime Transportation Security Act of 2002, or the MTSA, and European Union regulations. 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, 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.

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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. Under OPA, for example, owners,
operators and bareboat charterers are jointly and severally strictly liable for the discharge of oil within the 200-mile exclusive
economic zone around the United States. Events such as the 2010 explosion of the Deepwater Horizon and the subsequent release
of oil into the Gulf of Mexico, or other events, may result in further regulation of the shipping industry, and modifications to
statutory liability schemes, which could have a material adverse effect on our business, financial condition, results of operations and
cash flows. An oil spill could result in significant liability, including fines, penalties and criminal liability and remediation costs for
natural resource damages under other federal, state and local laws, as well as third-party damages. We are required to satisfy
insurance and financial responsibility requirements for potential oil (including marine fuel) spills and other pollution incidents.
Although insurance covers 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, if any, in the future.

We are subject to international safety regulations and requirements imposed by classification societies 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, ship managers and bareboat charterers 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 and describing procedures for dealing with emergencies. We expect that any vessels that we acquire in the future will be
ISM Code-certified when delivered to us. The failure of a shipowner or bareboat charterer 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, including United States and European Union ports.

In addition, 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 International Convention for Safety of Life at Sea. If a vessel does
not maintain its class and/or fails any annual survey, intermediate survey or special survey, the vessel will be unable to trade
between ports and will be unemployable, which will negatively impact our revenues and results from operations.

Climate change and greenhouse gas restrictions may adversely impact our operations and markets.

Due to concern over the risk of climate change, a number of countries and the IMO have adopted, or are considering the
adoption of, regulatory frameworks to reduce greenhouse gas emissions. These regulatory measures may include, among others,
adoption of cap and trade regimes, carbon taxes, increased efficiency standards and incentives or mandates for renewable energy.
More specifically, on October 27, 2016, the International Maritime Organization's Marine Environment Protection Committee
("MEPC") announced its decision concerning the implementation of regulations mandating a reduction in sulfur emissions from
3.5% currently to 0.5% as of the beginning of January 1, 2020. Additionally, 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.

Since January 1, 2020, ships have to either remove sulfur from emissions or buy fuel with low sulfur content, which may
lead to increased costs and supplementary investments for ship owners. The interpretation of "fuel oil used on board" includes use
in main engine, auxiliary engines and boilers. Shipowners may comply with this regulation by (i) using 0.5% sulfur fuels on board,
which are available around the world but at a higher cost; (ii) installing scrubbers for cleaning of the exhaust gas; or (iii) by
retrofitting vessels to be powered by liquefied natural gas, which may not be a viable option due to the lack of supply network and
high costs involved in this process. Costs of compliance with these regulatory changes may be significant and may have a material
adverse effect on our future performance, results of operations, cash flows and financial position.

In addition, although the emissions of greenhouse gases from international shipping currently are not subject to the Kyoto

Protocol to the United Nations Framework Convention on Climate Change, which required adopting countries to implement
national programs to reduce emissions of certain gases, or the Paris Agreement (discussed further below), a new treaty may be
adopted in the future that includes restrictions on shipping emissions. Compliance with changes in laws, regulations and obligations
relating to climate change could increase our costs related to operating and maintaining our vessels and require us to install new
emission controls, acquire allowances or pay taxes related to our greenhouse gas emissions or administer and manage a greenhouse
gas emissions program. Revenue generation and strategic growth opportunities may also be adversely affected.

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Adverse effects upon the oil and gas industry relating to climate change, including growing public concern about the

environmental impact of climate change, may also adversely affect demand for our services. For example, increased regulation of
greenhouse gases or other concerns relating to climate change may reduce the demand for oil and gas in the future or create greater
incentives for use of alternative energy sources. In addition, the physical effects of climate change, including changes in weather
patterns, extreme weather events, rising sea levels, scarcity of water resources, may negatively impact our operations. Any long-
term material adverse effect on the oil and gas industry could have a significant financial and operational adverse impact on our
business that we cannot predict with certainty at this time.

We don't plan to install scrubbers and may have to pay more for fuel which could adversely affect our business, results

of operations and financial condition.

Effective January 1, 2020 all vessels must comply with the IMO's low sulfur fuel oil ("LSFO") requirement, which cuts

sulfur levels from 3.5% to 0.5%. Shipowners may comply with this regulation by (i) using 0.5% sulfur fuels, which is available in
most ports globally but at a higher cost than high-sulfur fuel oil ("HSFO"); (ii) installing scrubbers for cleaning of the exhaust gas;
or (iii) by retrofitting vessels to be powered by liquefied natural gas, which may not be a viable option due to the lack of supply
network and high costs involved in this process. Costs of compliance with these regulatory changes may be significant and may
have a material adverse effect on our future performance, results of operations, cash flows and financial position.

While 50% our fleet is scrubber-fitted, in light of operating and economic uncertainties surrounding the use of scrubbers,

we have chosen not to purchase and install these units on the vessels of our fleet that aren’t scrubber-fitted. However, we may, in the
future, determine to purchase scrubbers for installation on our vessels. While scrubbers rely on technology that has been developed
over a significant period of time for use in a variety of applications, their use for maritime applications is a more recent
development. Each vessel will require physical modifications to be made in order to install a scrubber, the scope of which will
depend on, among other matters, the age and type of vessel, its engine and its existing fixtures and equipment. The purchase and
installation of scrubbers will involve significant capital expenditures, currently estimated at $1.5 million per vessel, and the vessel
will be out of operation for more than 30 days in order for the scrubbers to be installed. In addition, future arrangements that we
may enter into with respect to shipyard drydock capacity to implement these scrubber installations may be affected by delays or
issues affecting vessel modifications being undertaken by other vessel owners at those shipyards, which could cause our vessels to
be out of service for even longer periods or installation dates to be delayed. In addition, as there is a limited operating history of
scrubbers on vessels such as those owned and operated by us, the operation and maintenance of scrubbers and related ongoing costs
to these vessels is uncertain. Any unforeseen complications or delays in connection with acquiring, installing, operating or
maintaining scrubbers installed on our vessels could adversely affect our business, results of operations and financial condition.

Furthermore, it is uncertain how the availability of HSFO and LSFO around the world will be affected by implementation

of the IMO 2020 Regulations, as well as the prices of HSFO and LSFO generally and the price differential between the two fuels
after January 1, 2020, are also uncertain. If LSFO is unavailable in port and we or our charterers cannot obtain a temporary waiver
to refuel and use HSFO for the next voyage, we or our charterers could be subject to fines by regulatory authorities and be in
violation of the charter agreements. Scarcity and the quality in the supply of LSFO, or a higher-than-anticipated difference in the
costs between the two types of fuel, may cause us to pay more for fuel than scrubber-fitted vessels, which could adversely affect our
business, results of operations and financial condition.

There is limited operating history of using LSFO on our vessels and new compliant fuel blends which have been
introduced but the vessel performance, economic impact and timing of using such fuels on our vessels is still evolving. In addition,
our vessels will likely incur higher fuel costs associated with using more expensive compliant fuel. Currently these costs are borne
by our charterers but in case we enter into a spot or voyage charter in the future, such costs may be material and could adversely
affect our business, results of operations and financial condition.

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Our vessels may suffer damage due to the inherent operational risks of the tanker industry and we may experience

unexpected dry-docking costs, which may adversely affect our business and financial condition.

The operation of an ocean-going vessel carries inherent risks. Our vessels and their cargoes are at risk of being damaged or
lost because of events such as marine disasters, bad weather and other acts of God, business interruptions caused by mechanical
failures, grounding, fire, explosions and collisions, human error, war, terrorism, piracy, diseases (such as the recent outbreak of
COVID-19), quarantine and other circumstances or events. 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 or delay
or re-routing, which may also subject us to litigation. In addition, the operation of tankers has unique operational risks associated
with the transportation of oil or chemicals. An oil or chemical spill may cause significant environmental damage, and the costs
associated with a catastrophic spill could exceed the insurance coverage available to us. Compared to other types of vessels, tankers
are exposed to a higher risk of damage and loss by fire, whether ignited by a terrorist attack, collision, or other cause, due to the
high flammability and high volume of the oil and chemicals transported in such tankers.

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

The market value of our vessels, and those we may acquire in the future, may fluctuate significantly, which could cause
us to incur losses if we decide to sell them following a decline in their market values or we may be required to write down their
carrying value, which will adversely affect our earnings.

The fair market value of our vessels may increase and decrease depending on the following factors:

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general economic and market conditions affecting the shipping industry;

prevailing level of charter rates;

competition from other shipping companies;

types, sizes and ages of vessels;

the availability of other modes of transportation;

supply and demand for vessels;

shipyard capacity;

cost of newbuildings;

price of steel;

governmental or other regulations; and

technological advances.

If we sell any vessel at a time when vessel prices have fallen, the sale price may be less than the vessel's carrying amount
in our financial statements, in which case we will realize a loss. Vessel prices can fluctuate significantly, and in the case where the
market value falls below the carrying amount, we will evaluate the vessel for a potential impairment adjustment.  If the estimate of
undiscounted cash flows, excluding interest charges, expected to be generated by the use of the vessel is less than its carrying
amount, we may be required to write down the carrying amount of the vessel to its fair value in our financial statements and incur a
loss and a reduction in earnings. See "Item 5. Operating and Financial Review and Prospects—A. Operating Results—Critical
Accounting Policies—Impairment of Vessels."

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An over-supply of tanker capacity may lead to reductions in charter hire rates and profitability.

The market supply of tankers is affected by a number of factors such as demand for energy resources, crude oil, petroleum
products and chemicals, as well as strong overall economic growth of the world economy. If the capacity of new tankers delivered
exceeds the capacity of such tankers being scrapped and lost, vessel capacity will increase, which could lead to reductions in charter
rates. As of April 3, 2020, newbuilding orders have been placed for an aggregate of approximately 7.6% of the existing global
tanker fleet with the bulk of deliveries expected during 2021.

An over-supply of oil tankers has already resulted in an increase in oil tanker charter hire rate volatility. If this volatility
persists, we may not be able to find profitable charters for our vessels, which could have a material adverse effect on our business,
results of operations, cash flows, financial condition and ability to pay dividends.

Our vessels may call on ports located in countries that are subject to restrictions, sanctions, or embargoes imposed by
the   U.S.,   the   European   Union,   the   United   Nations,   China,   or   other   governments,   which   could   lead   to   monetary   fines   or
adversely affect our business, reputation and the market for our common shares.

None  of  our  vessels  called  on  ports  located  in  countries  or  territories   subject  to  country-wide or  territory-wide   U.S.
sanctions or embargoes or countries identified by the U.S. government or other authorities as state sponsors of terrorism during
2019. While we intend to comply with all applicable sanctions and embargo laws and regulations, our vessels may call on ports in
these countries or territories on charterers' instructions in the future, and there can be no assurance that we will maintain such
compliance, particularly as the scope of certain laws may be unclear and may be subject to changing interpretations. The U.S.
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 strengthened 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 imposed by the Trump administration, the European Union, China 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. Currently, we do not believe that any of our existing counterparties are affiliated with persons or entities that are
subject to such sanctions.

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 severely 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 common shares may adversely affect the price at which our common shares trade. 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 entering into charters with individuals or entities in countries
subject to U.S. sanctions and embargo laws that are not controlled by the governments of those countries, or engaging in operations
associated with those countries pursuant to contracts with third parties that are unrelated to those countries 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 these and surrounding countries.

Political instability, terrorist or other attacks, war, international hostilities and public health threats can affect the

tanker industry, which may 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 available cash 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 the Middle East and the
South China Sea region and other geographic countries and areas, geopolitical events such as the withdrawal of the U.K. from the
European Union, or "Brexit," terrorist or other attacks, and war (or threatened war) or international hostilities, such as those
between the United States and North Korea.

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Terrorist attacks such as those in Paris on November 13, 2015, Manchester on May 22, 2017, and 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. Continuing conflicts and recent developments in the Middle East, including increased
tensions between the U.S. and Iran, as well as the presence of U.S. or other armed forces in Iraq, Syria, Afghanistan and various
other 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. 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. Additionally, Brexit, or similar events in other jurisdictions, could impact global markets,
including foreign exchange and securities markets; any resulting changes in currency exchange rates, tariffs, treaties and other
regulatory matters could in turn adversely impact our business and operations.

Further,   governments   may   turn   and   have   turned   to   trade   barriers   to   protect   their   domestic   industries   against   foreign
imports, thereby depressing shipping demand. In particular, leaders in the United States and China have implemented certain
increasingly protective trade measures. The results of the 2016 presidential election and the potential results of the upcoming 2020
presidential election in the United States have created significant uncertainty about the future relationship between the United
States, China and other exporting countries, including with respect to trade policies, treaties, government regulations and tariffs. For
example, in March 2018, President Trump announced tariffs on imported steel and aluminum into the United States that could have
a negative impact on international trade generally and in January 2019, the United States announced expanded sanctions against
Venezuela, which may have an effect on its oil output and in turn affect global oil supply. There have also been continuing trade
tensions, including significant tariff increases, between the United States and China. Protectionist developments, or the perception
that they may occur, may have a material adverse effect on global economic conditions, and may significantly reduce global trade.
Moreover, increasing trade protectionism may cause an increase in (a) the cost of goods exported from regions globally, (b) the
length of time required to transport goods and (c) the risks associated with exporting goods. Such increases may significantly affect
the quantity of goods to be shipped, shipping time schedules, voyage costs and other associated costs, which could have an adverse
impact on our charterers' business, operating results and financial condition and could thereby affect their ability to make timely
charter hire payments to us and to renew and increase the number of their time charters with us. This could have a material adverse
effect on our business, results of operations, financial condition and our ability to pay any cash distributions to our stockholders.

In January 2020, in response to certain perceived terrorist activity, the United States launched an airstrike in Baghdad that
killed a high-ranking Iranian general, increasing hostilities between the U.S. and Iran. This attack or further escalations between the
U.S. and Iran that may follow, could result in retaliation from Iran that could potentially affect the shipping industry, through
increased attacks on vessels in the Strait of Hormuz (which already experienced an increased number of attacks on and seizures of
vessels in 2019), or by potentially closing off or limiting access to the Strait of Hormuz, where a significant portion of the world's
oil supply passes through. Any restriction on access to the Strait of Hormuz, or increased attacks on vessels in the area, could
negatively impact our earnings, cash flow and results of operations.

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

In addition, public health threats, such as the coronavirus, 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, and the operations of our customers.

The U.K.'s withdrawal from the European Union may have a negative effect on global economic conditions, financial

markets and our business.

In June 2016, a majority of voters in the U.K. elected to withdraw from the EU in a national referendum, a process that the
government of the U.K. formally initiated in March 2017. Since then, the U.K. and the EU have been negotiating the terms of a
withdrawal agreement, which was approved in October 2019 and ratified in January 2020. The U.K. formally exited the EU on
January 31, 2020, although a transition period remains in place until December 2020, during which the U.K. will be subject to the
rules and regulations of the EU while continuing to negotiate the parties' relationship going forward, including trade deals. There is
currently   no   agreement   in   place   regarding   the   aftermath   of   the   withdrawal,   creating   significant   uncertainty   about   the   future
relationship between the U.K. and the EU, including with respect to the laws and regulations that will apply as the U.K. determines
which EU-derived laws to replace or replicate following the withdrawal. Brexit has also given rise to calls for the governments of
other EU member states to consider withdrawal. These developments and uncertainties, or the perception that any of them may
occur, have had and may continue to have a material adverse effect on global economic conditions and the stability of global
financial markets, and may significantly reduce global market liquidity and restrict the ability of key market participants to operate
in certain financial markets. Any of these factors could depress economic activity and restrict our access to capital, which could
have a material adverse effect on our business and on our consolidated financial position and results of operations. Additionally,
Brexit or similar events in other jurisdictions, could impact global markets, including foreign exchange and securities markets; any
resulting changes in currency exchange rates, tariffs, treaties and other regulatory matters could in turn adversely impact  our
business and operations.

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Brexit  contributes  to  considerable  uncertainty  concerning   the  current  and  future  economic  environment.  Brexit  could
adversely affect European or worldwide political, regulatory, economic or market conditions and could contribute to instability in
global political institutions, regulatory agencies and financial markets.

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 Arabian Sea, the Red Sea, the Gulf of Aden off the coast of Somalia, South China Sea, Sulu Sea, Celebes Sea, the Indian Ocean
and in particular, the Gulf of Guinea, region off Nigeria, which experienced increase incidents of privacy in 2019. Sea piracy
incidents continue to occur. Acts of piracy could result in harm or danger to the crews that man our vessels.  If insurers or the Joint
War Committee characterize the regions in which our vessels are deployed as "war risk" zones or "war and strikes" listed areas,"
respectively, premiums payable for insurance coverage could increase significantly and such 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 onboard security
guards, could increase in such circumstances. We may not be adequately insured to cover losses from these incidents, least of all for
bearing the cost of the applicable deductible(s) or unforeseen charges/costs, which could have a material adverse effect on us. In
addition, 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, financial condition and ability to
pay dividends and 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.

An economic slowdown or changes in the economic and political environment in the Asia Pacific region could have a

material adverse effect on our business, financial condition and results of operations.

We anticipate a significant number of the port calls made by our vessels will continue to involve the loading or discharging
of cargoes in ports in the Asia Pacific region. As a result, any negative changes in economic conditions in any Asia Pacific country,
particularly in China, may have a material adverse effect on our business, financial condition and results of operations, as well as
our future prospects. Before the global economic financial crisis that began in 2008, China had one of the world's fastest growing
economies in terms of gross domestic product, or GDP, which had a significant impact on shipping demand. The year-over-year
growth rate of China's GDP was approximately 6.1% for the year ended December 31, 2019, as compared to approximately 6.6%
for the year ended December 31, 2018, and continues to remain below pre-2008 levels. We cannot assure you that the Chinese
economy will not experience a significant contraction in the future, especially in light of the impact of COVID-19. Furthermore,
there is a rising threat of a Chinese financial crisis resulting from massive personal and corporate indebtedness and "trade wars".
The International Monetary Fund has warned that continuing trade tensions, including significant tariff increases, between the
United States and China are expected to result in a 0.8% cumulative reduction of global GDP in 2020. We cannot assure you that
the Chinese economy will not experience a significant contraction in the future.

Although state-owned enterprises still account for a substantial portion of the Chinese industrial output, in general, the

Chinese 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 refined petroleum products are principally determined by market forces. Many of the reforms
are unprecedented or experimental and may be subject to revision, change or abolition based upon the outcome of such
experiments. If the Chinese government does not continue to pursue a policy of economic reform, the level of imports to and
exports from China could be adversely affected by changes to these economic reforms by the Chinese government, as well as by
changes in political, economic and social conditions or other relevant policies of the Chinese government, such as changes in laws,
regulations or export and import restrictions. Notwithstanding economic reform, the Chinese government may adopt policies that
favor domestic shipping and tanker companies and may hinder our ability to compete with them effectively. For example, China
imposes a tax for non-resident international transportation enterprises engaged in the provision of services of passengers or cargo,
among other items, in and out of China using their own, chartered or leased vessels. The regulation may subject international
transportation companies to Chinese enterprise income tax on profits generated from international transportation services passing
through Chinese ports. This could have an adverse impact on our charterers' business, operating results and financial condition and
could thereby affect their ability to make timely charter hire payments to us and to renew and increase the number of their time
charters with us. Moreover, an economic slowdown in the economies of the European Union and other Asian countries may further
adversely affect economic growth in China and elsewhere.

In addition, concerns regarding the possibility of sovereign debt defaults by European Union member countries, including

Greece, have in the past disrupted financial markets throughout the world, and may lead to weaker consumer demand in the
European Union, the United States, and other parts of the world. The possibility of sovereign debt defaults by European Union
member countries, including Greece, and the possibility of market reforms to float the Chinese renminbi, either of which
development could weaken the Euro against the Chinese renminbi, could adversely affect consumer demand in the European Union.
Moreover, the revaluation of the renminbi may negatively impact the United States' demand for imported goods, many of which are
shipped from China. Future weak economic conditions could have a material adverse effect on our business, results of operations
and financial condition and our ability to pay dividends to our stockholders. Our business, financial condition, results of operations,
as well as our future prospects, will likely be materially and adversely affected by another economic downturn in any of the
aforementioned countries and regions.

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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 inspection and related procedures in countries of origin
and destination. Inspection procedures can result in the seizure of, delay in the loading, off-loading or delivery of, the contents of
our vessels or 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. Furthermore, 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.

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. Additionally, if these systems fail or become unavailable
for any significant period of time, our business could be harmed.

The efficient operation of our business is dependent on computer hardware and software systems. Information systems are
vulnerable to security breaches by computer hackers and cyber terrorists. We rely on industry-accepted security measures and
technology   to   securely   maintain   confidential   and   proprietary   information   kept   on   our   information   systems.   However,   these
measures and technology may not adequately prevent cybersecurity breaches, the access, capture or alteration of information by
criminals, the exposure or exploitation of potential security vulnerabilities, the installation of malware or ransomware, acts of
vandalism, computer viruses, misplaced data or data loss. In addition, the unavailability of the information systems or the failure of
these systems to perform as anticipated for any reason could disrupt our business and could result in decreased performance and
increased operating costs, causing our business and results of operations to suffer. Any significant interruption or failure of our
information systems or any significant breach of security could adversely affect our business, results of operations and financial
condition, as well as our cash flows, including cash available for dividends to our stockholders.

RISKS RELATED TO OUR COMPANY

We are subject to litigation and we may be subject to similar or other litigation in the future.

We and certain of our current executive officers were defendants in purported class-action lawsuits pending in the U.S.
District Court for the Eastern District of New York, brought on behalf of our shareholders.  The lawsuits alleged violations of
Sections 9, 10(b), 20(a) and/or 20A of the Securities Exchange Act of 1934, as amended, or the Exchange Act and Rule 10b-5
promulgated   hereunder.   In   connection   with   these   lawsuits,   certain   co-defendants   requested   that   we   indemnify   and   hold   them
harmless against all losses, including reasonable costs of defense, arising from the litigation, pursuant to the provisions of the
Common Stock Purchase Agreement between us and Kalani.

On August 3, 2019 the Eastern District Court of New York dismissed the case with prejudice.  On August 26, 2019,
plaintiffs appealed the dismissal to the United States Court of Appeals for the Second Circuit. We filed our response briefs on
November 26 and November 27, 2019, and plaintiffs/appellants filed their reply brief on December 11, 2019. The Court of Appeals
held oral argument on March 10, 2020 and took the matter under advisement. On April 2, 2020, the Court of Appeals issued a
summary order affirming the District Court's decision dismissing Plaintiffs' claims and denying leave to amend. The Court of
Appeals is scheduled to issue a mandate making the decision effective on April 23, 2020 if Plaintiffs do not file a motion for
reargument.

We believe these claims to be without merit and intend to continue to defend these lawsuits vigorously. Furthermore, we
may, from time to time, be a party to other litigation in the normal course of business. Monitoring and defending against legal
actions, whether or not meritorious, is time-consuming for our management and detracts from our ability to fully focus our internal
resources on our business activities. In addition, our legal fees and costs incurred in connection with such activities and any legal
fees of co-defendants for which we are deemed responsible may be significant and we could, in the future, be subject to judgments
or enter into settlements of claims for significant monetary damages. A decision adverse to our interests could result in the payment
of substantial damages and could have a material adverse effect on our cash flow, results of operations and financial position.

With respect to any litigation, our insurance may not reimburse us or may not be sufficient to reimburse us for the
expenses or losses we may suffer in contesting and concluding such lawsuit. Furthermore, our insurance does not cover legal fees
associated with co-defendants. Substantial litigation costs, including the substantial self-insured retention that we are required to
satisfy before any insurance applied to the claim, or an adverse result in any litigation may adversely impact our business, operating
results or financial condition.

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As of the date of this annual report our fleet consists of ten tankers. Any limitation in the availability or operation of

these vessels could have a material adverse effect on our business, results of operations and financial condition.

As of the date of this annual report, our fleet consists of eight 50,000 dwt MR product tankers and two 157,000 dwt
Suezmax crude oil tankers that we have bareboat chartered-in via sale and leaseback agreements, or SLBs. Our MR product tanker
fleet consists of M/T Stenaweco Energy, M/T Stenaweco Evolution, M/T Nord Valiant, M/T Stenaweco Excellence, M/T Eco
California, M/T Eco Marina Del Ray and M/T Eco Los Angeles and M/T Eco City of Angels. Our Suezmax fleet consists of M/T
Eco   Bel   Air   and   M/T   Eco   Beverly   Hills.     Furthermore,   we   have   a   50%   interest   in   M/T   Palm   Springs,   a   50,000   dwt
product/chemical tanker vessel that we have agreed to sell subject to customary closing conditions.  If these vessels are unable to
generate revenue as a result of off hire time, early termination of the applicable time charter or otherwise, our business, results of
operations, financial condition and ability to pay dividends on our common shares could be materially adversely affected.

We expect to be dependent on a limited number of customers for a large part of our revenues, and failure of such
counterparties to meet their obligations could cause us to suffer losses or negatively impact our results of operations and cash
flows.

During   2019,   95%   of   our   revenues   derived   from   seven   charterers,   Stena   Weco   A/S,   BP   Shipping   Limited   ("BP"),
Clearlake Shipping Pte Ltd ("Clearlake"), Central Tanker Chartering Inc, Dampskibsselskabet NORDEN A/S ("DS Norden A/S"),
Shell   Tankers   Singapore   Private   Limited   ("Shell")   and   Cargill   International   SA   ("Cargill").   Such   agreements   subject   us   to
counterparty risks. The ability 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 and may include, among other things, general economic conditions, the condition of
the maritime industry, the overall financial condition of the counterparty, charter rates received for specific types of vessels, work
stoppages   or   other   labor   disturbances,   including   as   a   result   of   the   recent   outbreak   of   COVID-19   and   various   expenses.   The
combination of a reduction of cash flow resulting from declines in world trade, a reduction in borrowing bases under reserve-based
credit facilities  and the lack of  availability of debt  or  equity financing  may result  in a  significant reduction  in  the ability of
charterers to make charter payments to us. In addition, in depressed market conditions, charterers and customers may no longer
need a vessel that is then under charter or contract or may be able to obtain a comparable vessel at lower rates. As a result,
charterers and customers may seek to renegotiate the terms of their existing charter agreements or avoid their obligations under
those contracts. Should one of our counterparties fail to honor its obligations under agreements with us, we could sustain significant
losses that could have a material adverse effect on our business, financial condition, results of operations and cash flows.

The bareboat charters treated as financing, in connection with our SLBs contain restrictive covenants that may limit

our liquidity and corporate activities, and could have an adverse effect on our financial condition and results of operations.

The bareboat charters in connection with the SLBs of our fleet contain, and any future SLBs we may enter into are
expected   to   contain,   customary   covenants   and   termination   event   clauses,   including   cross-default   provisions   and   restrictive
covenants and performance requirements that may affect our operational and financial flexibility. Such restrictions could affect, and
in many respects limit or prohibit, among other things, our ability to incur additional indebtedness, pay dividends, create liens, sell
assets, or engage in mergers or acquisitions. These restrictions could also limit our ability to plan for or react to market conditions
or meet extraordinary capital needs or otherwise restrict corporate activities. There can be no assurance that such restrictions will
not adversely affect our ability to finance our future operations or capital needs.

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Our bareboat charters in connection with the SLBs  require us to maintain specified financial ratios, satisfy financial

covenants and contain cross-default clauses and other representations, including the following:

•

•

•

maintain a consolidated leverage ratio of not more than 75% (and in one case 80%);

maintain minimum free liquidity of $1.0 million per Suezmax tanker $0.75 million per owned MR tanker and $0.5
million per bareboated chartered-in MR tanker; and

assure no change of control of the company takes place, except with the lessors prior written consent.

As of December 31, 2019, we are in compliance with the consolidated leverage ratio and the minimum free liquidity

covenants in our SLBs.

As a result of the restrictions in our bareboat charters in connection with our SLBs, or similar restrictions in our future
SLBs, we may need to seek permission from the owners of our leased vessels in order to engage in certain corporate actions. Their
interests may be different from ours and we may not be able to obtain their permission when needed. This may prevent us from
taking actions that we believe are in our best interest, which may adversely impact our revenues, results of operations and financial
condition.

A failure by us to meet our payment and other obligations, including our financial covenant requirements, could lead to
defaults under our bareboat charters in connection with our SLB or any future SLBs. If we are not in compliance with our covenants
and we are not able to obtain covenant waivers or modifications, the current or future owners of our leased vessels, as appropriate,
could retake possession of our vessels or require us to pay down our indebtedness to a level where we are in compliance with our
covenants or sell vessels in our fleet. Events beyond our control, including changes in the economic and business conditions in the
shipping markets in which we operate, interest rate developments, changes in the funding costs of our banks, changes in vessel
earnings and asset valuations and outbreaks of epidemic and pandemic of diseases, such as the recent outbreak of COVID-9, may
affect our ability to comply with these covenants. We could lose our vessels if we default on our bareboat charters in connection
with the SLBs, which would negatively affect our revenues, results of operations and financial condition.

Servicing current and future debt (including SLBs) will limit funds available for other purposes and impair our ability

to react to changes in our business.

We must dedicate a portion of our cash flow from operations to pay the principal and interest on our indebtedness. These
payments limit funds otherwise available for working capital, capital expenditures and other purposes. As of December 31, 2019,
we   had  a   total   indebtedness   of  $316.6  million,   excluding   deferred   finance   fees.   Our   current   or   future   debt   could   have   other
significant consequences on our operations. For example, it could:

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increase our vulnerability to general economic downturns and adverse competitive and industry conditions;

require us to dedicate a substantial portion, if not all, of our cash flow from operations to payments on our
indebtedness, thereby reducing the availability of our cash flow to fund working capital, capital expenditures and
other general corporate purposes;

limit our flexibility in planning for, or reacting to, changes in our business and the industry in which we operate;

place us at a competitive disadvantage compared to competitors that have less debt or better access to capital;

limit our ability to raise additional financing on satisfactory terms or at all; and

adversely impact our ability to comply with the financial and other restrictive covenants of our current or future
financing arrangements, which could result in an event of default under such agreements.

Furthermore, our current or future interest expense could increase if interest rates increase. If we do not have sufficient
earnings, we may be required to refinance all or part of our current or future debt, sell assets, borrow more money or sell more
securities, and we cannot guarantee that the resulting proceeds therefrom, if any, will be sufficient to meet our ongoing capital and
operating needs.

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If we fail to manage our planned growth properly, we may not be able to successfully expand our market share.

We intend to continue to grow our fleet in the future in line with our strategy. Our future growth will primarily depend on

our ability to:

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generate excess cash flow for investment without jeopardizing our ability to cover current and foreseeable working
capital needs (including debt service);

raise equity and obtain required financing for our existing and new operations;

locate and acquire suitable vessels;

identify and consummate acquisitions or joint ventures;

integrate any acquired business successfully with our existing operations;

our manager ability to hire, train and retain qualified personnel and crew to manage and operate our growing
business and fleet;

enhance our customer base; and

manage expansion.

Growing any business by acquisition presents numerous risks such as undisclosed liabilities and obligations, difficulty in
obtaining  additional  qualified  personnel,   managing  relationships   with   customers   and  suppliers   and  integrating   newly   acquired
operations into existing infrastructures. We may not be successful in executing our growth plans and we may incur significant
additional expenses and losses in connection therewith.

Our ability to obtain additional debt financing may be dependent on our ability to charter our vessels, the performance

of our charters and the creditworthiness of our charterers.

Our inability to re-charter our vessels and the actual or perceived credit quality of our charterers, and any defaults by them,
may materially affect our ability to obtain the additional capital resources that we will require to purchase additional vessels or may
significantly increase our costs of obtaining such capital. Our inability to obtain financing, or receiving financing at a higher than
anticipated cost, may materially affect our results of operation and our ability to implement our business strategy.

The industry for the operation of tanker vessels and the transportation of oil, petroleum products and chemicals is
highly competitive and we may not be able to compete for charters with new entrants or established companies with greater
resources.

We will employ our tankers and any additional vessels we may acquire in a highly competitive market that is capital
intensive and highly fragmented. The operation of tanker vessels and the transportation of cargoes shipped in these vessels, as well
as the shipping industry in general, is extremely competitive. Competition arises primarily from other vessel owners, including
major oil companies as well as independent tanker shipping companies, some of whom have substantially greater resources than we
do. Competition for the transportation of oil, petroleum products and chemicals can be intense and depends on price, location, size,
age, condition and the acceptability of the vessel and its operators to the charterers. Due in part to the highly fragmented market,
competitors with greater resources could enter and operate larger fleets through consolidations or acquisitions that may be able to
offer better prices and fleets than us.

A limited number of financial institutions hold our cash.

A limited number of financial institutions, including institutions located in Greece, hold all of our cash. Our cash balances
have been deposited from time to time with banks in Monaco, Germany, Holland, United Kingdom, Greece and Switzerland
amongst   others.   Our   cash   balances   are   not   covered   by   insurance   in   the   event   of   default   by   these   financial   institutions.   The
occurrence of such a default could have a material adverse effect on our business, financial condition, results of operations and cash
flows, and we may lose part or all of our cash that we deposit with such banks.

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Uncertainty related to the Greek sovereign debt crisis may adversely affect our operating results.

Uncertainty related to the Greek sovereign debt crisis may adversely affect our operating results. Greece experienced a
macroeconomic downturn in recent years, including as a result of the sovereign debt crisis and the related austerity measures
implemented by the Greek government. As a result, our operations in Greece may be subjected to new regulations or regulatory
action that may require us to incur new or additional compliance or other administrative costs and may require that we or Central
Shipping Inc, which we refer to as our Fleet Manager or CSI, a related party affiliated with the family of Mr. Evangelos J. Pistiolis,
our President, Chief Executive Officer and Director, pay to the Greek government new taxes or other fees. We and our Fleet
Manager also face the risk that strikes, work stoppages, civil unrest and violence within Greece may disrupt our and our Fleet
Manager's shore side operations located in Greece. The Greek government's taxation authorities have increased their scrutinization
of individuals and companies to secure tax law compliance. If economic and financial market conditions remain uncertain or
deteriorate further, the Greek government may impose further changes to tax and other laws to which we and our Fleet Manager
may be subject or change the ways they are enforced, which may adversely affect our business, operating results, and financial
condition.

Our President, Chief Executive Officer and Director, who may be deemed to beneficially own, directly or indirectly,

100% of our Series D Preferred Shares has control over us.

As of April 10, 2020, Lax Trust, which is an irrevocable trust established for the benefit of certain family members of our
President, Chief Executive Officer and Director, Mr. Evangelos Pistiolis, may be deemed to beneficially own, directly or indirectly,
all of the 100,000 outstanding shares of our Series D Preferred Shares. Each Series D Preferred Share carries 1,000 votes. By its
ownership of 100% of our Series D Preferred Shares, Lax Trust has control over our actions.

As of April 10, 2020, the Lax Trust may be deemed to own all of the outstanding shares of Family Trading Inc., a company
related to Mr. Evangelos Pistiolis, our President, Chief Executive Officer and Director, or Family Trading, and Tankers Family Inc.,
which   in   aggregate   and   on   an   as   converted   basis   own   approximately   12.8%   of   our   outstanding   common   shares,   including
17,274,140 common shares issuable upon the conversion of 10,364 Series E Perpetual Convertible Preferred Shares ("Series E
Preferred Shares") held by Family Trading. Due to the number of shares that the Lax Trust may be deemed to own, it has the power
to exert considerable influence over our actions and to effectively control the outcome of matters on which our shareholders are
entitled to vote, including the election of our directors and other significant corporate actions. The interests of the Lax Trust or the
family of Mr. Pistiolis may be different from your interests.

We may be unable to attract and retain key management personnel and other employees in the international tanker

shipping industry, which may negatively impact the effectiveness of our management and our results of operations.

Our success depends to a significant extent upon the abilities and efforts of our management team. All of our executive
officers are employees of Central Mare Inc., or Central Mare, a related party affiliated with the family of Mr. Evangelos J. Pistiolis,
our President, Chief Executive Officer and Director, and we have entered into agreements with Central Mare for the compensation
of Mr. Evangelos J. Pistiolis; Alexandros Tsirikos, our Chief Financial Officer and Director; Vangelis G. Ikonomou our Chief
Operating Officer and Konstantinos Patis, our Chief Technical Officer. The loss of any of these individuals could adversely affect
our business prospects and financial condition. Difficulty in hiring and retaining personnel could adversely affect our results of
operations. We do not maintain "key man" life insurance on any of our officers.

If labor interruptions are not resolved in a timely manner, they could have a material adverse effect on our business,

results of operations, cash flows, financial condition and available cash.

Our Fleet Manager, is responsible for recruiting, mainly through a crewing agent, the senior officers and all other crew
members for our vessels and all other vessels we may acquire. 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 as we expect and could have a material
adverse effect on our business, results of operations, cash flows, financial condition and available cash.

If we expand our business, we will need to improve our operations and financial systems and staff; if we cannot

improve these systems or recruit suitable employees, our performance may be adversely affected.

Our current operating and financial systems may not be adequate if we implement a plan to expand the size of our fleet,
and our attempts to improve those systems may be ineffective. If we are unable to operate our financial and operations systems
effectively or to recruit suitable employees as we expand our fleet, our performance may be adversely affected.

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A drop in spot charter rates may provide an incentive for some charterers to default on their charters, which could

affect our cash flow and financial condition.

When we enter into a time charter or bareboat charter, rates under that charter are fixed throughout the term of the charter.
If the spot charter rates in the tanker shipping industry become significantly lower than the time charter equivalent rates that some
of our charterers are obligated to pay us under our then existing charters, the charterers may have incentive to default under that
charter or attempt to renegotiate the charter. If our charterers fail to pay their obligations, we would have to attempt to re-charter our
vessels at lower charter rates, and as a result we could sustain significant losses which could have a material adverse effect on our
cash   flow   and   financial   condition,   which   would   affect   our   ability   to   meet   our   current   or   future   loans   or   current   leaseback
obligations. If our current or future lenders choose to accelerate our indebtedness and foreclose their liens, or if the owners of our
leased vessels choose to repossess vessels in our fleet as a result of a default under the SLBs, our ability to continue to conduct our
business would be impaired.

An increase in operating costs could decrease earnings and available cash.

Vessel operating costs include the costs of crew, fuel (for spot chartered vessels), provisions, deck and engine stores,
insurance and maintenance and repairs, which depend on a variety of factors, many of which are beyond our control. Some of these
costs, primarily relating to insurance and enhanced security measures, have been increasing. If any vessels we have or will acquire
suffer damage, they may need to be repaired at a dry-docking facility. The costs of dry-docking repairs are unpredictable and can be
substantial. Increases in any of these expenses could decrease our earnings and available cash.

The aging of our fleet may result in increased operating costs in the future, which could adversely affect our earnings.

In general, the cost of maintaining a vessel in good operating condition increases with the age of the vessel. As our fleet
ages, operating and other costs will increase. In the case of bareboat charters, operating costs are borne by the bareboat charterer.
Cargo insurance rates also increase with the age of a vessel, making older vessels less desirable to charterers. Governmental
regulations, including environmental regulations, safety or other equipment standards related to the age of vessels may require
expenditures for alterations or the addition of new equipment to our vessels and may restrict the type of activities in which our
vessels may engage. As our fleet ages, market conditions might 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, our revenue will decline at the end of a

vessel's useful life, which would adversely affect our business, results of operations and financial condition.

Unless we maintain reserves or are able to borrow or raise funds for vessel replacement, we will be unable to replace the
vessels in our fleet upon the expiration of their remaining useful lives, which we estimate to be 25 years from the date of initial
delivery from the shipyard. Our cash flows and income are dependent on the revenues earned by the chartering of our vessels to
customers. If we are unable to replace the vessels in our fleet upon the expiration of their useful lives, our business, results of
operations and financial condition will be materially and adversely affected.

Purchasing and operating secondhand vessels may result in increased operating costs and vessels off-hire, which could

adversely affect our earnings.

We may expand our fleet through the acquisition of secondhand vessels. While we rigorously inspect previously owned or
secondhand vessels prior to purchase, this does not normally 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 such vessels prior to purchase. Any such hidden defects or
problems, when detected, may be expensive to repair, and if not detected, may result in accidents or other incidents for which we
may become liable to third parties. Also, when purchasing previously owned vessels, we do not receive the benefit of warranties
from the builders if the vessels we buy are older than one year. In general, the costs to maintain a vessel in good operating condition
increase with the age and type of the vessel. In the case of chartered-in vessels, we run the same risks.

Governmental regulations, safety or other equipment standards related to the age of vessels may require expenditures for
alterations, or the addition of new equipment, to our vessels and may restrict the type of activities in which the vessels 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.

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We may not have adequate insurance to compensate us if we lose any vessels that we acquire.

We carry insurance for all vessels we acquire against those types of risks commonly insured against by vessel owners and
operators.   These   insurances   include   hull   and   machinery   insurance,   protection   and   indemnity   insurance   (which   includes
environmental   damage   and   pollution   insurance   coverage),   freight   demurrage   and   defense   and  war  risk  insurance.   Reasonable
insurance rates can best be obtained when the size and the age/trading profile of the fleet is attractive. As a result, rates become less
competitive as a fleet downsizes.

In the future, we may not be able to obtain adequate insurance coverage at reasonable rates for the vessels we acquire. The
insurers may not pay particular claims. Our insurance policies also contain deductibles for which we will be responsible as well as
limitations and exclusions that may increase our costs or lower our revenue.

We may be subject to increased premium payments, or calls, as we obtain some of our insurance through protection and

indemnity associations.

We may be subject to increased premium payments, or calls, in amounts based on our claim records and the claim records
of our Fleet Manager as well as the claim records of other members of the protection and indemnity associations through which we
receive   insurance   coverage   for   tort   liability,   including   pollution-related   liability.   In   addition,   our   protection   and   indemnity
associations   may  not   have   enough   resources   to  cover   claims   made   against   them.   Our   payment   of   these   calls   could   result   in
significant expense to us, which could have a material adverse effect on our business, results of operations and financial condition.

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. 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. If we do not meet these standards, our business and/or our ability to
access capital could be harmed.

Additionally, certain investors and lenders may exclude shipping companies, such as us, from their investing portfolios

altogether due to environmental, social and governance factors.  These limitations in both the debt and equity capital markets may
affect our ability to develop 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.

Technological innovation and quality and efficiency requirements from our customers could reduce our charter hire

income and the value of our vessels.

Our customers, in particular those in the oil industry, have a high and increasing focus on quality and compliance standards
with their suppliers across the entire supply chain, including the shipping and transportation segment. Our continued compliance
with these standards and quality requirements is vital for our operations. Charter hire rates and the value and operational life of a
vessel are determined by a number of factors including the vessel's efficiency, operational flexibility and physical life. Efficiency
includes speed, fuel economy and the ability to load and discharge cargo quickly. Flexibility includes the ability to enter harbors,
utilize related docking facilities and pass through canals and straits. The length of a vessel's physical life is related to its original
design and construction, its maintenance and the impact of the stress of operations. If new vessels are built that are more efficient or
more flexible or have longer physical lives than our vessels, competition from these more technologically advanced vessels could
adversely   affect   the   amount   of   charter   hire   payments   we   receive   for   our   vessels,   and   the   resale   value   of   our   vessels   could
significantly decrease which may have a material adverse effect on our future performance, results of operations, cash flows and
financial position.

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The smuggling of drugs or other contraband onto our vessels may lead to governmental claims against us.

Our vessels may call in ports where smugglers may attempt to hide drugs and other contraband on vessels, with or without
the knowledge of crew members. To the extent our vessels are found with contraband, whether inside or attached to the hull of our
vessel and whether with or without the knowledge of any of our crew, we may face governmental or other regulatory claims that
could have an adverse effect on our business, results of operations, cash flows, financial condition and ability to pay dividends.

Maritime claimants could arrest our vessels or vessels we acquire, 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 that vessel for unsatisfied debts, claims or damages. In many jurisdictions, a maritime lienholder may enforce
its lien by "arresting" or "attaching" a vessel through foreclosure proceedings. The arrest or attachment of one or more of our
vessels   or   vessels   we   acquire   could   result   in   a   significant   loss   of   earnings   for   the   related   off-hired   period.   In   addition,   in
jurisdictions where the "sister ship" theory of liability applies, a claimant may arrest 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. In countries with "sister
ship" liability laws, claims might be asserted against us or any of our vessels for liabilities of other vessels that we own.

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

of earnings.

A government could requisition vessels for title or hire. Requisition for title occurs when a government takes control of a
vessel and becomes the owner. Requisition for hire occurs when a government takes control of a vessel and effectively becomes the
charterer at dictated charter rates. Generally, requisitions occur during a period of war or emergency. Government requisition of any
of our vessels or vessels we acquire could negatively impact our revenues should we not receive adequate compensation.

U.S. federal tax authorities could treat us as a "passive foreign investment company," which could have adverse U.S.

federal income tax consequences to U.S. shareholders.

A foreign corporation will be treated as a "passive foreign investment company," or PFIC, for U.S. 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, 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. Income derived from the performance of services does not constitute "passive income" for this
purpose. U.S. shareholders of a PFIC are subject to a disadvantageous U.S. 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.

In general, income derived from the bareboat charter of a vessel should be treated as "passive income" for purposes of
determining whether a foreign corporation is a PFIC, and such vessel should be treated as an asset which produces or is held for the
production of "passive income."  On the other hand, income derived from the time charter of a vessel should not be treated as
"passive income" for such purpose, but  rather should be treated as services income; likewise, a time chartered vessel  should
generally not be treated as an asset which produces or is held for the production of "passive income."

We believe that we were not a PFIC for our 2014 through 2019 taxable years and do not expect to be treated as a PFIC in
subsequent taxable years. 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 passive assets.

There   is,   however,   no   direct   legal   authority   under   the   PFIC   rules   addressing   our   proposed   method   of   operation.
Accordingly, no assurance can be given that the United States Internal Revenue Service, or IRS, or a court of law will accept our
position, and there is a risk that the IRS or a court of law could determine that we are a PFIC. Moreover, no assurance can be given
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.

Our   U.S.   shareholders   may   face   adverse   U.S.   federal   income   tax   consequences   and   certain   information   reporting
obligations as a result of us being treated as a PFIC.  Under the PFIC rules, unless those shareholders make an election available
under the Code (which election could itself have adverse consequences for such shareholders, as discussed below under "Taxation–
U.S. Federal Income Consequences—U.S. Federal Income Taxation of U.S. Holders"), such shareholders would be liable to pay
U.S. 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 their common shares, as if the excess distribution or gain had been recognized ratably over the
shareholder's holding period of the common shares.  See "Taxation —U.S. Federal Income Consequences—U.S. Federal Income
Taxation of U.S. Holders" for a more comprehensive discussion of the U.S. federal income tax consequences to U.S. shareholders
as a result of our status as a PFIC.

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

Under the U.S. Internal Revenue Code of 1986, or 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 begin and end, in the United States is characterized as U.S. source shipping income and such income is subject to a 4% U.S.
federal income tax without allowance for deduction, unless that corporation qualifies for exemption from tax under Section 883 of
the Code. Although we have qualified for this statutory exemption in previous taxable years and have taken this position for U.S.
federal income tax return reporting purposes in such taxable year, there are factual circumstances beyond our control that could
cause us to lose the benefit of the exemption and thereby become subject to U.S. federal income tax on our U.S. source shipping
income. For example, we would fail to qualify for exemption under Section 883 of the Code for a particular tax year if shareholders,
each of whom owned, actually or under applicable constructive ownership rules, a 5% or greater interest in the vote and value of
our common shares, owned in the aggregate 50% or more of the vote and value of such stock, and "qualified shareholders" as
defined by the Treasury regulation under Section 883 of the Code did not own, directly or under applicable constructive ownership
rules, sufficient shares in our closely-held block of common shares to preclude the shares in that closely-held block that are not so
owned from representing 50% or more of the value of our common shares for more than half of the number of days during the
taxable year. Establishing such ownership by qualified shareholders will depend upon the status of certain of our direct or indirect
shareholders   as   residents   of   qualifying   jurisdictions   and   whether   those   shareholders   own   their   shares   through   bearer   share
arrangements. In addition, such shareholders will also be required to comply with ownership certification procedures attesting that
they are residents of qualifying jurisdictions, and each intermediary or other person in the chain of ownership between us and such
shareholders must undertake similar compliance procedures. Due to the factual nature of the issues involved, we may not qualify for
exemption under Section 883 of the Code for any future taxable year. We intend to take the position for U.S. federal income tax
reporting purposes that we are not subject to U.S. federal income taxation for the 2019 taxable year because more than 50% of our
stock was not owned by non-qualified shareholders that each held 5% or more of our stock.

We are a "foreign private issuer," which could make our common shares less attractive to some investors or otherwise

harm our stock price.

We are a "foreign private issuer," as such term is defined in Rule 405 under the Securities Act. As a "foreign private issuer"
the rules governing the information that we disclose differ from those governing U.S. corporations pursuant to the Exchange Act.
We are not required to file quarterly reports on Form 10-Q or provide current reports on Form 8-K disclosing significant events
within four days of their occurrence. In addition, our officers and directors are exempt from the reporting and "short-swing" profit
recovery provisions of Section 16 of the Exchange Act and related rules with respect to their purchase and sales of our securities.
Our exemption from the rules of Section 16 of the Exchange Act regarding sales of common shares by insiders means that you will
have less data in this regard than shareholders of U.S. companies that are subject to the Exchange Act. Moreover, we are exempt
from the proxy rules, and proxy statements that we distribute will not be subject to review by the Commission. Accordingly there
may be less publicly available information concerning us than there is for other U.S. public companies. These factors could make
our common shares less attractive to some investors or otherwise harm our stock price.

RISKS RELATED TO OUR COMMON SHARES

Our   share   price   may   continue   to   be   highly   volatile,   which  could   lead   to   a   loss   of   all   or   part   of   a   shareholder's

investment.

The market price of our common shares has fluctuated widely since our common shares began trading in July of 2004 on
the Nasdaq Stock Market LLC, or Nasdaq. Over the last few years, the stock market has experienced price and volume fluctuations,
especially due to factors relating to the recent outbreak of COVID-19. This volatility has sometimes been unrelated to the operating
performance of particular companies. During 2019, the price of our common shares experienced a high of $22.00 in January and a
low of $0.65 in November. This market and share price volatility relating to the effects of COVID -19, as well as general economic,
market or political conditions, has and could further reduce the market price of our common shares in spite of our operating
performance and could also increase our cost of capital, which could prevent us from accessing debt and equity capital on terms
acceptable to us or at all.

The market price of our common shares is affected by a variety of factors, including:

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fluctuations in the availability or the price of oil and chemicals;

fluctuations in foreign currency exchange rates;

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announcements by us or our competitors;

changes in our relationships with customers or suppliers;

actual or anticipated fluctuations in our semi-annual and annual results and those of other public companies in our
industry;

changes in United States or foreign tax laws;

actual or anticipated fluctuations in our operating results from period to period;

shortfalls in our operating results from levels forecast by securities analysts;

market conditions in the shipping industry and the general state of the securities markets;

business interruptions caused by the recent outbreak of COVID-19;

mergers and strategic alliances in the shipping industry;

changes in government regulation;

a general or industry-specific decline in the demand for, and price of, shares of our common shares resulting from
capital market conditions independent of our operating performance;

the loss of any of our key management personnel;

our failure to successfully implement our business plan; and

issuance of shares.

There is no guarantee of a continuing public market for you to resell our common shares.

Our common shares currently trade on the Nasdaq Capital Market. We cannot assure you that an active and liquid public
market for our common shares will continue and you may not be able to sell your common shares in the future at the price that you
paid for them or at all. The price of our common shares may be volatile and may fluctuate due to factors such as:

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actual or anticipated fluctuations in our quarterly and annual results and those of other public companies in our
industry;

mergers and strategic alliances in the shipping industry;

market conditions in the shipping industry and the general state of the securities markets;

changes in government regulation;

shortfalls in our operating results from levels forecast by securities analysts; and

announcements concerning us or our competitors.

Further, a lack of trading volume in our stock may affect investors' ability to sell their shares. Our common shares have
been experiencing low daily trading volumes in the market. As a result, investors may be unable to sell all or any of their shares in
the desired time period, or may only be able to sell such shares at a significant discount to the previous closing price.

Nasdaq may delist our common shares from its exchange which could limit your ability to make transactions in our

securities and subject us to additional trading restrictions.

On December 26, 2019, we received a written notification from Nasdaq indicating that because the closing bid price of our
common shares for the last 30 consecutive business days was below $1.00 per share, we no longer meet the minimum bid price
requirement under Nasdaq rules. Pursuant to the Nasdaq Listing Rules, the applicable grace period to regain compliance is 180
days, or until June 23, 2020. We intend to monitor the closing bid price of our common shares between now and June 23, 2020 and
are considering our options, including a reverse stock split, in order to regain compliance with the Nasdaq Capital Market minimum
bid price requirement.  We can cure this deficiency if the closing bid price of our common shares is $1.00 per share or higher for at
least ten consecutive business days during the grace period.

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On July 27, 2016, we transferred our Nasdaq listing from the Nasdaq Global Select Market to the Nasdaq Capital Market.
Our common shares continue to trade on Nasdaq under the symbol "TOPS". The Nasdaq Capital Market is a continuous trading
market   that   operates   in   substantially   the   same   manner   as   the   Nasdaq   Global   Select   Market.   We   then   fulfilled   the   listing
requirements of the Nasdaq Capital Market and the approval of the transfer cured our deficiency under Nasdaq Listing Rule 5450(b)
(1)(C).

On June 27, 2017, we received written notification from Nasdaq, indicating that because the closing bid price of our
common shares for the last 30 consecutive business days was below $1.00 per share, we no longer met the minimum bid price
requirement for the Nasdaq Capital Market, set forth in Nasdaq Listing Rule 5450(a)(1). Pursuant to the Nasdaq Listing Rules, the
applicable grace period to regain compliance was 180 days, or until December 26, 2017. We regained compliance on August 17,
2017.

On October 10, 2017, we received written notification from Nasdaq indicating that because the closing bid price of our
common shares for the last 30 consecutive business days was below $1.00 per share, we no longer meet the minimum bid price
requirement for the Nasdaq Capital Market, set forth in Nasdaq Listing Rule 5450(a)(1). Pursuant to the Nasdaq Listing Rules, the
applicable grace period to regain compliance is 180 days, or until April 9, 2018. After requesting a grace period from Nasdaq, we
regained compliance on April 11, 2018.

On March 11, 2019, we received written notification from Nasdaq, indicating that because the closing bid price of our
common shares for the last 30 consecutive business days was below $1.00 per share, we no longer met the minimum bid price
requirement for the Nasdaq Capital Market, set forth in Nasdaq Listing Rule 5450(a)(1). Pursuant to the Nasdaq Listing Rules, the
applicable grace period to regain compliance is 180 days, or until September 9, 2019.

On August 22, 2019 we effectuated a 20 to 1 reverse stock split in order to regain compliance with Nasdaq Listing Rule

5450(a)(1). As a result, we regained compliance on September 5, 2019.

A   continued   decline   in   the   closing   price   of   our   common   shares   on   Nasdaq   could   result   in   suspension   or   delisting
procedures in respect of our common shares. The commencement of suspension or delisting procedures by an exchange remains, at
all times, at the discretion of such exchange and would be publicly announced by the exchange. If a suspension or delisting were to
occur, there would be significantly less liquidity in the suspended or delisted securities. In addition, our ability to raise additional
necessary capital through equity or debt financing would be greatly impaired. Furthermore, with respect to any suspended or
delisted common shares, we would expect decreases in institutional and other investor demand, analyst coverage, market making
activity and information available concerning trading prices and volume, and fewer broker-dealers would be willing to execute
trades with respect to such common shares. A suspension or delisting would likely decrease the attractiveness of our common
shares to investors, will constitute a breach under certain of our credit agreements and constitute an event of default under certain
classes of our preferred stock and cause the trading volume of our common shares to decline, which could result in a further decline
in the market price of our common shares.

Finally, if the volatility in the market continues or worsens, it could have a further adverse effect on the market price of our

common shares, regardless of our operating performance.

We   issued   7,544,475   and   109,009,808   common   shares   during   2019   and   2020,   respectively,   through   various

transactions. Shareholders may experience significant dilution as a result of our offerings.

We have already sold large quantities of our common shares pursuant to previous public and private offerings of our equity
and equity-linked securities.  We currently have an effective registration statement on Form F-3 (333-234281), for the sale of
$200,000,000   of   which   we   have   sold   $18   million.   We   also   have   10,364   Series   E   Preferred   Shares   outstanding,   which   are
convertible into approximately 17,274,140 common shares as of the date of this report and the Class B Warrants, discussed in Item
4.   Information   on   the   Company—A.   History   and   Development   of   the   Company   and   Item   10.   Additional   information—B.
Memorandum   and   Articles   of   Association—2019   Class   A   Warrants   and   Class   B   Warrants   below,   exercisable   into   4,200,000
common shares.  All of the Series E Preferred Shares are held by Family Trading.

Purchasers of the common shares we sell, as well as our existing shareholders, will experience significant dilution if we
sell shares at prices significantly below the price at which they invested. In addition, we may issue additional common shares or
other equity securities of equal or senior rank in the future in connection with, among other things, debt prepayments, future vessel
acquisitions, redemptions of our Series E Preferred Shares, or our equity incentive plan, without shareholder approval, in a number
of circumstances. Our existing shareholders may experience significant dilution if we issue shares in the future at prices below the
price at which previous shareholders invested.

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Our issuance of additional shares of common shares or other equity securities of equal or senior rank would have the

following effects:

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our existing shareholders' proportionate ownership interest in us will decrease;

the amount of cash available for dividends payable on the shares of our common shares may decrease;

the relative voting strength of each previously outstanding common share may be diminished; and

the market price of the shares of our common shares may decline.

Future issuances or sales, or the potential for future issuances or sales, of our common shares may cause the trading

price of our securities to decline and could impair our ability to raise capital through subsequent equity offerings.

We have issued a significant number of our common shares and we may do so in the future. Shares to be issued in future
equity offerings could cause the market price of our common shares to decline, and could have an adverse effect on our earnings per
share if and when we become profitable. In addition, future sales of our common shares or other securities in the public markets, or
the perception that these sales may occur, could cause the market price of our common shares to decline, and could materially
impair our ability to raise capital through the sale of additional securities.

The market price of our common shares could decline due to sales, or the announcements of proposed sales, of a large
number of common shares in the market, including sales of common shares by our large shareholders, or the perception that these
sales could occur. These sales or the perception that these sales could occur could also depress the market price of our common
shares and impair our ability to raise capital through the sale of additional equity securities or make it more difficult or impossible
for us to sell equity securities in the future at a time and price that we deem appropriate. We cannot predict the effect that future
sales of common shares or other equity-related securities would have on the market price of our common shares.

Our Third Amended and Restated Articles of Incorporation, as amended, authorize our Board of Directors to, among other
things, issue additional shares of common or preferred stock or securities convertible or exchangeable into equity securities, without
shareholder approval. We may issue such additional equity or convertible securities to raise additional capital. The issuance of any
additional   shares   of   common   or   preferred   stock   or   convertible   securities   could   be   substantially   dilutive   to   our   shareholders.
Moreover, to the extent that we issue restricted stock units, stock appreciation rights, options or warrants to purchase our common
shares in the future and those stock appreciation rights, options or warrants are exercised or as the restricted stock units vest, our
shareholders may experience further dilution. Holders of shares of our common shares have no preemptive rights that entitle such
holders to purchase their pro rata share of any offering of shares of any class or series and, therefore, such sales or offerings could
result in increased dilution to our shareholders.

Future issuance of common shares may trigger anti-dilution provisions in our Series E Preferred Shares and affect the

interests of our common shareholders.

The Series E Preferred Shares contain anti-dilution provisions that could be triggered by the issuance of common shares in
a future offering, depending on their offering price. For instance, the issuance by us of common shares for less than $20.00 per
common   share,   which   is   the   current   fixed   conversion   price   of   the   Series   E   Preferred   Shares,   could   result   in   an   adjustment
downward of the Series E Preferred Shares conversion price and an increase in the number of common shares each Series E Share
is converted into. These adjustments could affect the interests of our common shareholders and the trading price for our common
shares. Furthermore the Series E Preferred Shares holders have the option to replace the fixed conversion price with a variable
conversion price, namely 80% of the lowest daily Volume-Weighted Average Price ("VWAP")  of our common shares over the 20
consecutive trading days expiring on the trading day immediately prior to the date of delivery of an exercise notice (but in no event
can this variable conversion price be less than $0.60) and purchase such proportionate number of shares based on the variable
conversion price in effect on the date of conversion. If using the variable conversion price of the Series E Preferred Shares, as of
April 10, 2020, the Series E Preferred Shares have a conversion price of $0.60 and are converted into 17,274,140 common shares
per Series E Share, as may be further adjusted. Moreover, future issuance of other equity or debt convertible into or issuable or
exchangeable for common shares at a price per share less than the then current conversion price of the Series E Preferred Shares
would result in similar adjustments.

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We are incorporated in the Republic of the Marshall Islands, which does not have a well-developed body of corporate
law and as a result, shareholders may have fewer rights and protections under Marshall Islands law than under a typical
jurisdiction in the United States.

Our corporate affairs are governed by Our Third Amended and Restated Articles of Incorporation and Amended and
Restated By-laws, as further amended, and by the Marshall Islands Business Corporations Act, or BCA. The provisions of the BCA
resemble provisions of the corporation laws of a number of states in the United States. However, there have been few judicial cases
in the Republic of the Marshall Islands interpreting the BCA. The rights and fiduciary responsibilities of directors under the law of
the Republic of the Marshall Islands are not as clearly established as the rights and fiduciary responsibilities of directors under
statutes or judicial precedent in existence in certain United States jurisdictions. Shareholder rights may differ as well. While the
BCA does specifically incorporate the non-statutory law, or judicial case law, of the State of Delaware and other states with
substantially similar legislative provisions, our public shareholders may have more difficulty in protecting their interests in the face
of actions by the management, directors or controlling shareholders than would shareholders of a corporation incorporated in a
United States jurisdiction.

It may not be possible for investors to serve process on or enforce U.S. judgments against us.

We and all of our subsidiaries are incorporated in jurisdictions outside the U.S. and substantially all of our assets and those
of our subsidiaries are located outside the U.S. In addition, all of our directors and officers are non-residents of the U.S., and all or a
substantial portion of the assets of these non-residents are located outside the U.S. As a result, it may be difficult or impossible for
U.S. investors to serve process within the U.S. upon us, our subsidiaries or our directors and officers or to enforce a judgment
against us for civil liabilities in U.S. courts. In addition, you should not assume that courts in the countries in which we or our
subsidiaries are incorporated or where our assets or the assets of our subsidiaries are located (1) would enforce judgments of U.S.
courts obtained in actions against us or our subsidiaries based upon the civil liability provisions of applicable U.S. federal and state
securities laws or (2) would enforce, in original actions, liabilities against us or our subsidiaries based on those laws.

Our By-laws provide that the High Court of the Republic of Marshall Islands shall be the sole and exclusive forum for
certain disputes between us and our shareholders, which could limit our shareholders' ability to obtain a favorable judicial
forum for disputes with us or our directors, officers, or employees.

Our By-laws provide that, unless we consents in writing to the selection of an alternative forum, the High Court of the
Republic of Marshall Islands, shall be the sole and exclusive forum for (i) any shareholders' derivative action or proceeding brought
on behalf of the Corporation, (ii) any action asserting a claim of breach of a fiduciary duty owed by any director, officer or other
employee of the Corporation to the Corporation or the Corporation's shareholders, (iii) any action asserting a claim arising pursuant
to any provision of the Business Corporations Act of the Republic of the Marshall Islands, or (iv) any action asserting a claim
governed by the internal affairs doctrine.  This forum selection provision may limit a shareholder's ability to bring a claim in a
judicial forum that it finds favorable for disputes with us or our directors, officers, or other employees, which may discourage
lawsuits with respect to such claims.

We may not achieve the intended benefits of having a forum selection provision if it is found to be unenforceable.

Our By-laws include a forum selection provision as under the section herein entitled "Description of Share Capital –
Shareholders' Derivative Actions". However, the enforceability of similar forum selection provisions in other companies' governing
documents has been challenged in legal proceedings, and it is possible that in connection with any action a court could find the
forum selection provision contained in our By-laws to be inapplicable or unenforceable in such action. If a court were to find the
forum selection provision to be inapplicable to, or unenforceable in respect of, one or more of the specified types of actions or
proceedings, we may incur additional costs associated with resolving such action in other jurisdictions, which could adversely affect
our business, financial condition and results of operations.

Anti-takeover provisions in our organizational documents could have the effect of discouraging, delaying or preventing

a merger, amalgamation or acquisition, which could reduce the market price of our common shares.

Several provisions of our Third Amended and Restated Articles of Incorporation and Amended and Restated By-laws, as
further amended, could make it difficult for our shareholders to change the composition of our Board of Directors in any one year,
preventing them from changing the composition of management. In addition, the same provisions may discourage, delay or prevent
a merger or acquisition that shareholders may consider favorable.

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authorizing our Board of Directors to issue "blank check" preferred stock without shareholder approval;

providing for a classified Board of Directors with staggered, three-year terms;

prohibiting cumulative voting in the election of directors;

authorizing the removal of directors only for cause and only upon the affirmative vote of the holders of at least 80%
of the outstanding shares of our capital stock entitled to vote for the directors;

prohibiting shareholder action by written consent unless the written consent is signed by all shareholders entitled to
vote on the action;

limiting the persons who may call special meetings of shareholders; and

establishing advance notice requirements for nominations for election to our Board of Directors or for proposing
matters that can be acted on by shareholders at shareholder meetings.

In addition, we have entered into a stockholders rights agreement, or the Stockholders Rights Agreement, that makes it
more difficult for a third-party to acquire us without the support of our Board of Directors. See "Item 10. Additional Information—
B. Memorandum and Articles of Association—Stockholders Rights Agreement." These anti-takeover provisions could substantially
impede the ability of public shareholders to benefit from a change in control and, as a result, may reduce the market price of our
common shares and your ability to realize any potential change of control premium.

RISKS RELATED TO OUR RELATIONSHIP WITH OUR FLEET MANAGER AND ITS AFFILIATES

We are dependent on our Fleet Manager to perform the day-to-day management of our fleet.

Our executive management team, provided by Central Mare, consists of Evangelos J. Pistiolis; Alexandros Tsirikos, our
Chief   Financial   Officer   and   Director;   Vangelis   G.   Ikonomou   our   Chief   Operating   Officer   and   Konstantinos   Patis,   our   Chief
Technical Officer. We subcontract the day-to-day vessel management of our fleet, including crewing, maintenance and repair to our
Fleet Manager. Furthermore, upon delivery of any vessels we may acquire, we expect to subcontract their day-to-day management
to our Fleet Manager. Our Fleet Manager is a related party affiliated with the family of Mr. Pistiolis. We are dependent on our Fleet
Manager for the technical and commercial operation of our fleet as well as for all accounting and reporting functions and the loss of
our Fleet Manager's services or its failure to perform obligations to us could materially and adversely affect the results of our
operations. If our Fleet Manager suffers material damage to its reputation or relationships it may harm our ability to:

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continue to operate our vessels and service our customers;

renew existing charters upon their expiration;

obtain new charters;

obtain financing on commercially acceptable terms;

obtain insurance on commercially acceptable terms;

maintain satisfactory relationships with our customers and suppliers; and

successfully execute our growth strategy.

Our Fleet Manager is a privately held company and there may be limited or no publicly available information about it.

Our Fleet Manager is a privately held company. The ability of our Fleet Manager to provide services for our benefit will
depend in part on its own financial strength. Circumstances beyond our control could impair our Fleet Manager's financial strength,
and there may be limited publicly available information about its financial condition. As a result, an investor in our common shares
might have little advance warning of problems affecting our Fleet Manager, even though these problems could have a material
adverse effect on us.

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Our Fleet Manager may have conflicts of interest between us and its other clients.

We subcontract the day-to-day vessel management of our fleet, including crewing, maintenance and repair to our Fleet
Manager. Our Fleet Manager may provide similar services for vessels owned by other shipping companies, and it also may provide
similar services to companies with which our Fleet Manager is affiliated. These responsibilities and relationships could create
conflicts of interest between our Fleet Manager's performance of its obligations to us, on the one hand, and our Fleet Manager's
performance of its obligations to its other clients, on the other hand. These conflicts may arise in connection with the crewing,
supply provisioning and operations of the vessels in our fleet versus vessels owned by other clients of our Fleet Manager. In
particular, our Fleet Manager may give preferential treatment to vessels owned by other clients whose arrangements provide for
greater economic benefit to our Fleet Manager. These conflicts of interest may have an adverse effect on our results of operations.

ITEM 4.

INFORMATION ON THE COMPANY

A.

History and Development of the Company

Our predecessor, Ocean Holdings Inc., was formed as a corporation in January 2000 under the laws of the Republic of the
Marshall Islands and renamed Top Tankers Inc. in May 2004. In December 2007, Top Tankers Inc. was renamed TOP Ships Inc.
Our common shares are currently listed on Nasdaq under the symbol "TOPS." The current address of our principal executive office
is 1 Vasilisis Sofias and Megalou Alexandrou Str, 15124 Maroussi, Greece. The telephone number of our registered office is +30
210 812 8000. The SEC maintains an Internet site that contains reports, proxy and information statements, and other information
regarding issuers that file electronically with the SEC. The address of the SEC's Internet site is http://www.sec.gov.  The address of
our Internet site is https://www.topships.org.

On February 1, 2017, the Commission declared effective our registration statement on Form F-1, which covered the
registration   of   (i)   $200,000,000   common   shares   (including   preferred   stock   purchase   rights),   preferred   shares,   debt   securities,
warrants, purchase contracts, rights and units and (ii) 0.3 common shares offered for resale by Yorkville underlying the Series B
Convertible Preferred Shares issued in the Private Placement.

On February 2, 2017, we launched a registered equity line for the sale of up to $3,099,367 of our common shares from
time to time to Kalani Investments Limited, or Kalani, over the next 24 months pursuant to the Purchase Agreement between us and
Kalani   dated   February   2,   2017.     On   March   17,   2017,   we   expanded   the   registered   equity   line   to   allow   for   the   sale   of   up   to
$6,940,867  of  our  common  shares  from time  to time to  Kalani  pursuant  to an amendment  to  the Purchase Agreement  dated
February 2, 2017, or the First Amendment.  On March 27, 2017, we further expanded the registered equity line to allow for the sale
of up to $12,540,867 of our common shares to Kalani, or the Second Amendment.  On April 4, 2017, we further expanded the
registered equity line to allow for the sale of up to $20,340,867 of our common shares, or the Third Amendment.  On April 27,
2017, we further expanded the registered equity line to allow for the sale of up to $40,340,867 of our common shares to Kalani, or
the Fourth Amendment. On October 12, 2017 we announced that we have issued and sold the total dollar amount of common shares
under the registered equity line and sold a total of 31,638 common shares.

On February 17, 2017, we closed a private placement with Xanthe Holdings Ltd, or Xanthe, a non-U.S. institutional
investor non-affiliated with us but affiliated with Kalani for the sale of 7,500 newly issued Series C Convertible Preferred Shares,
which were convertible into our common shares, for $7.5 million pursuant to a securities purchase agreement, or the Series C
Transaction. Series C shares were fully converted into 45,232 common shares by October 31, 2017.

On February 20, 2017, we, through our wholly-owned subsidiary, Style Maritime Ltd., acquired a 40% ownership interest
in Eco Seven Inc., a Marshall Islands corporation, or Eco Seven, from Malibu Shipmanagement Co., a Marshall Islands corporation
and wholly-owned subsidiary of the Lax Trust for an aggregate purchase price of $6.5 million, pursuant to a share purchase
agreement, or the Eco Seven Transaction. Eco Seven was a party to a newbuilding contract for the construction of M/T Stenaweco
Elegance, a 50,118 dwt product/chemical tanker that was delivered from Hyundai on February 28, 2017. Eco Seven was also a party
to a time charter agreement that commenced upon the vessel's delivery at a rate of $16,500 per day for the first three years, and at
the charterer's option, $17,500 for the first optional year and $18,500 for the second optional year. The Eco Seven Transaction was
approved by a special committee of our board of directors, or the Transaction Committee, of which the majority of the directors
were independent. In the course of its deliberations, the Transaction Committee hired and obtained a fairness opinion from an
independent financial advisor.

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Throughout 2017, we issued multiple promissory notes to Kalani and Xanthe. On February 6, 2017, we entered into a note
purchase agreement and issued a $3.5 million 6% Original Issue Discount Promissory Note to Kalani for cash consideration of $3.3
million, with a mandatory redemption no later than May 15, 2017. On March 22, 2017, we entered into a note purchase agreement
and issued a $5.0 million 4% Original Issue Discount Promissory Note to Kalani for cash consideration of $4.8 million, with a
mandatory redemption no later than October 7, 2017. On March 28, 2017, we entered into a note purchase agreement and issued an
unsecured promissory note to Kalani in the principal amount of $10 million for cash consideration of $10 million, with a mandatory
redemption no later than August 25, 2017.  On April 5, 2017, we entered into a note purchase agreement and issued an unsecured
promissory   note   to   Kalani   in   the   principal   amount   of   $7.7   million   for   cash   consideration   of   $7.7   million,   with   a   mandatory
redemption no later than September 4, 2017.  On May 15, 2017, we entered into a note purchase agreement and issued an unsecured
promissory note to Xanthe in the  principal amount  of  $5.0 million for  cash consideration  of  $5.0 million, with a  mandatory
redemption no later than August 23, 2017.  On June 26, 2017, we entered into a note purchase agreement and issued an unsecured
promissory   note   to   Kalani   in   the   principal   amount   of   $3.0   million   for   cash   consideration   of   $3.0   million,   with   a   mandatory
redemption no later than October 24, 2017. On July 12, 2017, we entered into a note purchase agreement and issued an unsecured
promissory note to Xanthe in the  principal amount  of  $3.1 million for  cash consideration  of  $3.0 million, with a  mandatory
redemption no later than November 7, 2017. On September 15, 2017, we issued an unsecured promissory note in the amount of
$2.0 million with an original issue discount of 1% to Xanthe.  As of December 31, 2018 all of the promissory notes issued to Kalani
and Xanthe had been settled.

On March 27, 2017, pursuant to the management agreement between us and Central Shipping Monaco SAM ("CSM"), a
related party affiliated with the family of Mr. Evangelos J. Pistiolis, than was our Fleet Manager from March 10, 2014 to December
31, 2018, our board of directors granted to CSM a $1.25 million cash performance fee for its dedication and provision to us of high
quality ship management and newbuilding supervision services during 2016.

On March 27, 2017, our board of directors granted to our executive officers an aggregate cash bonus of $1.5 million in

consideration of the successful completion of our newbuilding program in 2016.

On March  30, 2017, we, through our wholly-owned  subsidiary Style Maritime Ltd., acquired  another  9% ownership
interest in Eco Seven from Malibu Shipmanagement Co., a Marshall Islands corporation and wholly-owned subsidiary of the Lax
Trust, for an aggregate purchase price of $1.5 million, or the Eco Seven Extended Transaction. Pursuant to the Eco Seven Extended
Transaction, our ownership interest in Eco Seven increased to 49%.  On May 30, 2017, we announced that we entered into an
agreement with Eco Seven to purchase for $6.5 million, an additional 41% interest, increasing our interest to 90% ownership in Eco
Seven.

On March 30, 2017, we, through our wholly-owned subsidiary, Lyndon International Co., acquired a 49% ownership
interest in City of Athens from Fly Free Company, a Marshall Islands corporation and wholly-owned subsidiary of the Lax Trust,
for an aggregate purchase price of $4.2 million, or the City of Athens Transaction. City of Athens was party to a newbuilding
contract for the construction of M/T Eco Holmby Hills, a 50,000 dwt newbuilding product/chemical delivered from Hyundai in
March 2018.

On   March   30,   2017,   we,   through   our   wholly-owned   subsidiary,   Gramos   Shipping   Company   Co.,   acquired   a   49%
ownership interest in Eco Nine from Maxima International Co., a Marshall Islands corporation and wholly-owned subsidiary of the
Lax Trust, for an aggregate purchase price of $3.5 million, or the Eco Nine Transaction.  Eco Nine was party to a newbuilding
contract for the construction of M/T Eco Palm Springs, a 50,000 dwt newbuilding product/chemical delivered from Hyundai in May
2018.

The   Eco   Seven   Extended   Transaction,   the   City   of   Athens   Transaction   the   Astarte   Transaction   and   the   Eco   Nine
Transaction were approved by a special committee of our board of directors, or the Transaction Committee, of which the majority
of the directors were independent. In the course of its deliberations, the Transaction Committee hired and obtained a fairness
opinion from an independent financial advisor.

On June 27, 2017, we received written notification from Nasdaq, indicating that because the closing bid price of our
common shares for the last 30 consecutive business days was below $1.00 per share, we no longer met the minimum bid price
requirement for the Nasdaq Capital Market, set forth in Nasdaq Listing Rule 5450(a)(1). We regained compliance on August 17,
2017.

On October 10, 2017, we received written notification from Nasdaq indicating that because the closing bid price of our
common shares for the last 30 consecutive business days was below $1.00 per share, we no longer met the minimum bid price
requirement for the Nasdaq Capital Market, set forth in Nasdaq Listing Rule 5450(a)(1). We regained compliance on April 11,
2018.

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On November 3, 2017 we held our Special Meeting of Shareholders where our shareholders approved and adopted one or
more amendments to our Amended and Restated Articles of Incorporation to effect one or more reverse stock splits of our issued
common shares at a ratio of not less than one-for-two and not more than one-for-10,000 and in the aggregate at a ratio of not more
than one-for-10,000, inclusive, with the exact ratio to be set at a whole number within this range to be determined by our board of
directors and authorized our board of directors to implement any such reverse stock split by filing any such amendment with the
Registrar of Corporations of the Republic of the Marshall Islands.

On November 7, 2017, we entered into a Common Stock Purchase Agreement, or the First Purchase Agreement, with
Crede CG III, Ltd., or Crede CG, pursuant to which we agreed to sell up to $25 million of our common shares to Crede CG over a
period of 24 months, subject to certain limitations. On December 14, 2017 the First Purchase Agreement was completed.

On November 13, 2017, we entered into a Note Purchase Agreement with Crede Capital Group LLC, or Crede, pursuant to
which we issued an unsecured promissory note in the original principal amount of $12.5 million with a single revolving option for
additional $5.0 million that we exercised on November 20, 2017. As of December 31, 2018, the promissory note has been settled.

On November 24, 2017, we acquired for $3.6 million all of the outstanding shares of PCH77 Shipping Company Limited,
a Marshall Islands company that owned a new building contract for M/T Eco California, a high specification 50,000 dwt Medium
Range ("MR") product/chemical tanker delivered from Hyundai in South Korea in January 2019 from an entity affiliated with Mr.
Evangelos   Pistiolis.   The   abovementioned   transaction   was   approved   by   a   special   committee   of   our   board   of   directors,   or   the
Transaction   Committee,   of   which   all   of   the   directors   were   independent.   In   the   course   of   its   deliberations,   the   Transaction
Committee hired and obtained a fairness opinion from an independent financial advisor. Upon its delivery, the vessel was be
employed under a time charter with Shell for a firm duration of two years with a charterer's option to extend for one additional year.
The rate of the charter consists of a fixed amount per day plus a 50% profit share for earned rates over the fixed amount.

On December 11, 2017, we entered into a Common Stock Purchase Agreement, or the Second Purchase Agreement, with
Crede CG pursuant to which we agreed to sell up to $25 million of our common shares to Crede CG over a period of 24 months,
subject to certain limitations. We received proceeds, amounting to $14.8 million pursuant to sales of our common stock under the
Second Purchase Agreement and we issued 402,500 common shares. We terminated the Second Crede Purchase Agreement on May
23, 2018.

On   December   14,   2017,   we   entered   into   a   Note   Purchase   Agreement   with   Crede,   pursuant   to   which   we   issued   an
unsecured promissory note in the original principal amount of $12,500,000 with revolving options for two additional $5.0 million
notes to Crede.

On January 2, 2018, the Compensation Committee recommended to our board of directors and the board of directors
approved an award of $2.25 million, in cash as incentive compensation to Mr. Evangelos Pistiolis, or his nominee, to be distributed
at his own discretion amongst executives.

On January 2, 2018, the Compensation Committee recommended to our board of directors and the board of directors

approved an award of $1.25 million in cash as incentive compensation to CSM.

On January 5, 2018, we entered into an Amendment to the Note Purchase Agreement with Crede, pursuant to which we
issued an unsecured promissory note in the original principal amount of $5.369 million with a single revolving option for an
additional $4.631 million. On February 9, 2018 the Note Purchase Agreement was further amended to increase the last revolving
option to $6.4 million and on the same date we exercised the said option in full.

On January 31, 2018, we acquired:

•

100% of the issued and outstanding shares of PCH Dreaming Inc., a Marshall Islands company that had entered into
a new building contract for a high specification 50,000 dwt Medium Range ("MR") product/chemical tanker, M/T
Eco Marina Del Ray, delivered from Hyundai Mipo Dockyard Co., Ltd. in South Korea in March 2019. We acquired
the shares from an entity affiliated with our Chief Executive Officer for an aggregate purchase price of $3.95
million.

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•

•

•

100% of the issued and outstanding shares of South California Inc., a Marshall Islands company that has entered into
a new building contract for a high specification, scrubber-equipped, 157,000 dwt Suezmax Crude Oil Carrier (M/T
Eco Bel Air) delivered from Hyundai Samho Heavy Industries Co. Ltd. in South Korea in April 2019. We acquired
the shares from an entity affiliated with our Chief Executive Officer for an aggregate purchase price of $8.95
million.

100% of the issued outstanding shares of Malibu Warrior Inc., a Marshall Islands company that has entered into a
new building contract for a high specification, scrubber-equipped, 157,000 dwt Suezmax Crude Oil Carrier (M/T
Eco Beverly Hills) delivered from Hyundai Samho Heavy Industries Co. Ltd. in South Korea and in May 2019. We
acquired the shares from an entity affiliated with our Chief Executive Officer for an aggregate purchase price of
$8.95 million.

10% of the issued and outstanding shares of Eco Seven Inc., a Marshall Islands company that owned M/T Stena
Elegance, a high specification 50,000 dwt MR product/chemical tanker delivered in February 2017 from Hyundai
Vinashin. We acquired the shares from an entity affiliated with our Chief Executive Officer for an aggregate
purchase price of $1.6 million.  As a result of the transaction we own 100% of the issued and outstanding shares of
Eco Seven Inc.

Each of the acquisitions was approved by a special committee of our board of directors, (the "Transaction Committee"), of
which all of the directors were independent. In the course of its deliberations, the Transaction Committee hired and obtained an
opinion on the fairness of the consideration of this transaction from two independent financial advisors.

On February 20, 2018 we appointed AST as our new transfer agent and registrar. All of our directly held common shares
have been transferred from Computershare to AST's platform, with no action required by any shareholder regarding the change in
our transfer agent. (AST can be reached as follows: American Stock Transfer & Trust Company, 55 Challenger Road Ridgefield
Park, NJ 07660, Office: 201-806-4181).

On March 12, 2018 our 50% owned subsidiaries, City of Athens and Eco Nine entered into a loan agreement with ABN
Amro Bank for a senior debt facility of up to $35.9 million to fund, the delivery of M/T Eco Holmby Hills and M/T Eco Palm
Springs ($17.9 million for each vessel).

On March 15, 2018, our 50% owned subsidiary City of Athens took delivery of M/T Eco Holmby Hills, a 50,000 dwt
newbuilding   product/chemical   tanker   constructed   at   the   Hyundai   Mipo   Vinashin   shipyard.   On   March   20,   2018   the   vessel
commenced its time charter agreement with Clearlake Shipping Pte Ltd.

On March 26, 2018, we effected a 1-for-10 reverse stock split.

In April of 2018, we extended the firm period of the time charter of M/T Eco Fleet with BP Shipping Limited for six

months.

On May 25, 2018, we entered into an Equity Distribution Agreement, or the Equity Distribution Agreement, with Maxim
Group LLC, or Maxim, as sales agent, under which we were permitted to offer and sell, from time to time through Maxim, up to
$14.25   million   of   our   common   shares,   par   value   $0.01   per   share.   On   July   23,   2018,   we   terminated   the   Equity   Distribution
Agreement.

On May 23, 2018, we took delivery of our 50% owned 49,703 dwt newbuilding product/chemical tanker M/T Eco Palm
Springs, constructed at the Hyundai Mipo Vinashin shipyard and on May 26, 2018 the vessel commenced its three year time charter
employment with Clearlake Shipping Pte Ltd.

In June of 2018, we entered into an interest rate swap agreement, or IRS, in order to hedge our exposure to changes in the
interest rate of our Alpha Bank facility. Furthermore in June of 2018, our unconsolidated 50% subsidiaries City of Athens Inc. and
Eco Nine Inc. entered into two separate IRSs in order to hedge their exposure to changes in the interest rates of their ABN Amro
Bank facilities. As a result of these new IRSs both we and our unconsolidated 50% subsidiaries had, as of the date of the IRS, fully
hedged our exposure to fluctuations in interest rates in relation to all post-delivery debt facilities then outstanding.

On June 29, 2018, we entered into a SLB and a 5 year time charter with Cargill, for our vessel M/T Eco Marina Del Ray.

On September 7, 2018 we took delivery of M/T Eco Palm Desert, a 50,000 dwt newbuilding product/chemical tanker

constructed at the Hyundai Mipo Vinashin shipyard.

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On October 24, 2018, we entered into a Securities Purchase Agreement with one institutional investor, pursuant to which
we sold 100,000 of our common shares in a registered direct offering. We also issued warrants to purchase up to 175,000 shares at
an exercise price of $30 per share. Maxim Group LLC acted as the exclusive placement agent for the offering.

In October 2018, we agreed to enter into a three year time charter employment with Clearlake Shipping Pte Ltd for our

product/chemical tanker M/T Eco Fleet.

In   November   2018,   we   agreed   a   new   time   charter   employment   contract   for   2   years   with   BP   Shipping   Ltd   for   our

product/chemical tanker M/T Eco Revolution to commence in January 2019.

On December 21, 2018 we entered into an SLB with Bank of Communications Financial Leasing Company ("BoComm
Leasing"), a non-affiliated party, for M/T Nord Valiant and M/T Eco California. Consummation of the SLB took place on January
17, 2019 for M/T Nord Valiant and on January 30, 2019 for M/T Eco California. Following the sale, we bareboat chartered back
M/T Nord Valiant for five years and for the M/T Eco California for seven years at a bareboat hire of $5,875 per day and $6,550 per
day respectively. As part of this transaction, we have continuous options, after the third year, to buy back the vessels at purchase
prices stipulated in the bareboat agreement depending on when the option is exercised. The gross proceeds from the sale were $21.7
million for M/T Nord Valiant and $24.1 million for M/T Eco California. We used $18.5 million of the SLB proceeds to prepay in
full the outstanding loan on M/T Nord Valiant (Tranche C of the ABN Facility).

On December 3, 2018 we entered into an SLB with China Merchants Bank Financial Leasing ("CMBFL"), a non-affiliated
party, for M/T Eco Bel Air and M/T Eco Beverly Hills. Consummation of the SLB took place in April and May 2019 respectively.
Following the sale, we bareboat chartered back the vessels for a period of seven years at a bareboat hire of $1.5 million per quarter
per vessel. As part of this transaction, we have continuous options, after the third year, to buy back the vessels at purchase prices
stipulated in the bareboat agreement depending on when the option is exercised. The gross proceeds from the sale were $91.4
million for both vessels.

On January 11, 2019, we entered into a warrant exchange agreement with the sole holder of the 2018 Warrants for the
reduction of the exercise price of said warrants from $30.0 to $20.40. On the same date 300,000 2018 Warrants were exercised into
15,000 common shares. On February 5, 2019, we entered an amendment of the 2018 Warrants for the reduction of the exercise price
of said warrants from $20.40 to $14.00. On the same date 714,285 2018 Warrants were exercised into 35,714 common shares.
Between February 21 and February 25, 2019 the remaining 932,715 2018 Warrants were exercised into 46,636 common shares.

On January 30, 2019, we took delivery of M/T Eco California. On February 4, 2019 the vessel commenced its' time charter

agreement with Shell Tankers Singapore Private Limited ("Shell").

On March 11, 2019, we received written notification from Nasdaq, indicating that because the closing bid price of our
common shares for the last 30 consecutive business days was below $1.00 per share, we no longer met the minimum bid price
requirement for the Nasdaq Capital Market, set forth in Nasdaq Listing Rule 5450(a)(1). We regained compliance on September 9,
2019.

On March 13, 2019, we took delivery of M/T Eco Marina Del Ray. On March 18, 2019 the vessel commenced its time

charter agreement with Cargill and concurrently agreements were consummated for the vessel's SLB to Cargill.

On April 1, 2019, we announced the sale of 27,129 newly issued Series E Preferred Shares at a price of $1,000 per share to
Family Trading, in exchange for the full and final settlement of the loan facility between us and Family Trading dated December 23,
2015, as amended.  For more information please see "Description of share capital" below.

On   April   5,   2019,   we   announced   the   delivery   of   the   157,000   dwt   newbuilding   Suezmax   vessel   M/T   Eco   Bel   Air,

constructed at the Hyundai Samho shipyard in South Korea.

On May 9, 2019, we announced the delivery of the 157,000 dwt newbuilding Suezmax vessel M/T Eco Beverly Hills,

constructed at the Hyundai Samho shipyard in South Korea.

On July 15, 2019 we entered into SLBs with Oriental Fleet International Company Limited, a non-affiliated party, for M/T
Stenaweco Excellence, and on August 30, 2019 for M/T Stenaweco Energy and M/T Stenaweco Evolution. The sale of the M/T
Stenaweco Excellence took place on July 15, 2019 and the sales of the M/T Stenaweco Energy and M/T Stenaweco Evolution took
place on November 20, 2019. Prior to the aforementioned sale and lease backs, on November 20, 2019, we exercised the purchase
options on the operating leases of the M/T Stenaweco Energy and M/T Stenaweco Evolution for a total of $47.9 million. Following
the sales, we bareboat chartered back the three vessels for periods of ten years at bareboat hire rates comprising of financing
principal based on straight-line amortization with a balloon payment at maturity plus interest based on the three months Libor plus
3.90% per day. As part of this transaction, we have continuous options, after the third year, to buy back the vessels at purchase
prices stipulated in the bareboat agreements depending on when the option is exercised and at the end of the ten-year period we
have an obligation to purchase the vessels. The gross proceeds from the sale of the M/T Stenaweco Excellence were $25.6 million
and the total gross proceeds for the M/T Stenaweco Energy and M/T Stenaweco Evolution were $45.8 million.

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From July 25, 2019 to April 10, 2020, we redeemed 33,798 of Series E Preferred Shares for $38.9 million.

On July 31, 2019, all outstanding 2014 Warrants issued on July 11, 2014 expired.

On August 22, 2019, we effected a 1-for-20 reverse stock split of our common shares. There was no change in the number
of our authorized common shares. All share amounts in this report, not including amounts incorporated by reference, have been
retroactively adjusted to reflect this reverse stock split.

On September 13, 2019, we closed an underwritten public offering of an aggregate of 1,580,000 common shares (or pre-
funded warrants to purchase common shares in lieu thereof, the Pre-Funded Warrants), warrants, or the Traditional Warrants, to
purchase up to 1,790,000 of our common shares and an overallotment option of up to 237,000 common shares, together the
September   2019   Transaction.   This   resulted   in   gross   proceeds   of   $10.5   million   before   deducting   underwriting   discounts,
commissions   and   other   offering   expenses.   The   gross   proceeds   include   the   partial   exercise   of   85,000   common   shares   of   the
underwriter's over-allotment option granted in connection with the offering. From September 13 to December 31, 2019, 1,245,089
common shares were issued pursuant to the cashless exercise of 1,778,700 Traditional Warrants. The Traditional Warrants expired
on December 31, 2019.

On October 14, 2019, we entered into a deed of Amendment for the AT Bank Bridge Facility Note dated March 22, 2019
in the amount of $10.5 million, or the AT Note, which among other things, extended the maturity date of the AT Bank Bridge Note
for one year to March 31, 2021.

On November 6, 2019, we entered into a placement agent agreement with Maxim Group LLC relating to the sale of our
securities, or the November 2019 Placement Agent Agreement.  Pursuant to the November 2019 Placement Agent Agreement, we
entered into the Securities Purchase Agreement, or the November 2019 Purchase Agreement, with certain institutional investors in
connection with a registered direct offering of an aggregate of 4,200,000 of our common shares at a public offering price of $2.00
per   share,   registered   on   our   Registration  Statement   on   Form   F-3  (333-215577),   or  the  November   2019   Registered   Offering.  
Concurrently with the November 2019 Registered Offering and pursuant to the November 2019 Purchase Agreement, we also
commenced a private placement whereby we issued and sold Class A warrants to purchase up to 4,200,000 of our common shares,
or the Class A Warrants, and Class B warrants to purchase up to 4,200,000 of our common shares, or the Class B Warrants. The
Class A Warrants and Class B Warrants were registered via a registration statement in form F1 that became effective on January 21,
2020.

On December 18, 2019, we acquired interests in two companies that each were the sole purchaser in a new building
contract. We purchased 100% of the issued and outstanding shares of Santa Catalina Inc., a Marshall Islands company that had
entered into a new building contract for a high specification scrubber-equipped, 50,000 dwt MR product/chemical tanker to be
named Eco Los Angeles delivered on February 10, 2020 from Hyundai Mipo Dockyard Co., Ltd. in South Korea. We acquired the
shares from an entity affiliated with our Chief Executive Officer for an aggregate purchase price of $7.2 million. We also purchased
100% of the issued and outstanding shares of Santa Monica Inc., a Marshall Islands company that had entered into a new building
contract for a high specification scrubber-equipped, 50,000 dwt MR product/chemical named Eco City of Angels delivered on
February 17, 2020 from Hyundai Mipo Dockyard Co., Ltd. in South Korea. We acquired the shares from an entity affiliated with
our Chief Executive Officer for an aggregate purchase price of $7.2 million. Following their delivery, both vessels entered into time
charters with Trafigura Maritime Logistics Pte Ltd ("Trafigura") for a firm duration of three years, with charterer's option to extend
for two additional years.

On December 26, 2019, we received a written notification from Nasdaq indicating that because the closing bid price of our
common shares for the last 30 consecutive business days was below $1.00 per share, we no longer meet the minimum bid price
requirement under Nasdaq rules. Pursuant to the Nasdaq Listing Rules, the applicable grace period to regain compliance is 180
days, or until June 23, 2020. We intend to monitor the closing bid price of our common shares between now and June 23, 2020 and
are considering our options, including a reverse stock split, in order to regain compliance with the Nasdaq Capital Market minimum
bid price requirement.  We can cure this deficiency if the closing bid price of our common shares is $1.00 per share or higher for at
least ten consecutive business days during the grace period.

Recent Developments

On January 3, 2020, we announced that we agreed to sell two MR1 Product Tankers, the M/T Eco Fleet and the M/T Eco
Revolution (each weighing 39,000 dwt) to unaffiliated third parties.  On January 14, 2020, the M/T Eco Revolution was delivered
to its buyer and we received gross proceeds of $23.0 million, part of which were used to prepay in full the outstanding amount of
$15.1 million under tranche A of our loan facility with ABN AMRO, or the ABN Facility.  On January 21, 2020, the M/T Eco Fleet
was delivered to its buyer and we received $21.0 million, part of which were used to prepay in full the outstanding amount of $14.4
million under tranche B of the ABN Facility, resulting in the full prepayment of the ABN Facility.

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On February 10 and February 17, 2020 we took delivery of M/T Eco Los Angeles and M/T Eco City of Angels from the

Hyundai Mipo Dockyard Co., Ltd. in South Korea respectively.

Between January 22 and February 21, 2020, all of the Class A Warrants (4,200,000 warrants) were exercised on a cashless

basis into 1,680,000 of our common shares.

On February 12, 2020, we entered into an Equity Distribution Agreement with Maxim Group LLC, as sales agent, under
which we may offer and sell, from time to time through Maxim, up to $5.0 million of its common shares.  We completed the
offering on March 4, 2020 and sold a total of 14,637,118 common shares.

On February 17, 2020, we announced the issuance of 16,004 Series E Preferred Shares to Family Trading, as settlement of
the consideration outstanding for the purchase of the M/T Eco City of Angels and M/T Eco Los Angeles from Mr. Pistiolis, our
President, Chief Executive Officer and Director, and for dividends payable to Family Trading Inc. under already outstanding Series
E Preferred Shares.

On February 21, 2020, we announced that our 50% owned subsidiaries which own M/T Holmby Hills and M/T Palm
Springs entered into agreements to sell both vessels to unaffiliated third parties . On March 30, 2020, we announced the delivery of
M/T Holmby Hills to an unaffiliated party.

On February 6, 2020, we announced that we agreed to sell two MR2 Product Tankers, the M/T Stenaweco Elegance and
the M/T Palm Desert (each weighing 50,000 dwt) to unaffiliated third parties. On February 25, 2020, we announced the closing of
the sale of the M/T Stenaweco Elegance.

On March 11, 2020, we entered into an Equity Distribution Agreement with Maxim Group LLC, as sales agent, under
which we may offer and sell, from time to time through Maxim, up to $5.0 million of its common shares.  We completed the
offering on March 27, 2020 and sold a total of 52,692,690 common shares.

On February 6, 2020, we announced that we agreed to sell two MR2 Product Tankers, the M/T Stenaweco Elegance and
the M/T Palm Desert (each weighing 50,000 dwt) to unaffiliated third parties. On March 23, 2020, we announced the conclusion of
the sale of the M/T Palm Desert.

On March 30, 2020 we entered into a placement agent agreement with Maxim Group LLC relating to the sale of our
securities, or the March 2020 PAA.  Pursuant to the March 2020 PAA, we entered into a securities purchase agreement, or the
March 2020 SPA, with certain institutional investors in connection with a registered direct offering of 40,000,000 of our common
shares at a public offering price of $0.20 per share, or the March 2020 Registered Direct Offering. The aggregate gross proceeds of
the Registered Direct Offering was $8.0 million and it closed on April 1, 2020.

B.

Business Overview

We are an international owner and operator of modern, fuel efficient eco tanker vessels focusing on the transportation of
crude oil, petroleum products (clean and dirty) and bulk liquid chemicals. Our fleet has a total capacity of 714,000 deadweight
tonnes ("dwt"). As of the date of this report, our fleet consists of eight 50,000 dwt product/chemical tankers, the M/T Stenaweco
Energy, M/T Stenaweco Evolution, M/T Nord Valiant, M/T Stenaweco Excellence, the M/T Eco California, the M/T Eco Marina
Del Ray, The M/T Eco Los Angeles and the M/T Eco City of Angels and two 157,000 dwt Suezmax tankers, the M/T Eco Bel Air
and M/T Eco Beverly Hills and we also own 50% interest in one 50,000 dwt product/chemical tanker, the M/T Palm Springs, which
we have agreed to sell subject to customary closing conditions. All of our vessels are IMO certified and are capable of carrying a
wide variety of oil products including chemical cargos which we believe make our vessels attractive to a wide base of charterers.
All of the vessels in our fleet are sold and leased back.

For more information, please see "Item 4. Information on the Company—A. History and Development of the Company

—Recent Developments."

We intend to continue to review the market in order to identify potential acquisition targets in line with our strategy.

We believe we have established a reputation in the international ocean transport industry for operating and maintaining
vessels with high standards of performance, reliability and safety. We have assembled a management team comprised of executives
who have extensive experience operating large and diversified fleets of tankers and who have strong ties to a number of national,
regional and international oil companies, charterers and traders.

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Our Fleet

The following tables present our fleet list as of the date of this report:

MR Tanker vessels on SLBs (treated as financings):

Deadweight

Charterer

End of firm
period

Charterer's
Optional Periods

Gross Rate fixed period/
options

Name
M/T Stenaweco
Energy
M/T Stenaweco
Evolution
M/T Stenaweco
Excellence
M/T Nord
Valiant

M/T Eco
California

M/T Eco Marina
Del Ray
M/T Eco Los
Angeles
M/T Eco City of
Angels

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

Stena Weco A/S

February 2021

1+1 years

$15,616 / $17,350 / $18,100

Stena Weco A/S

October 2021

1+1 years

$15,516 / $17,200 / $18,000

Stena Weco A/S

November 2020

1+1 years

$16,200 / $17,200 / $18,000

DS Norden A/S

August 2021

1+1 years

$16,800 / $17,600 / $18,400

Shell Tankers Singapore
Private Limited

January 2021

1 year

$13,750 plus 50% profit
share/ $13,950 plus 50%
profit share

March 2024

-

$15,100

Cargill

Trafigura

February 2023

Trafigura

February 2023

1+1 years

1+1 years

$17,500 / $18,750 / $20,000

$17,500 / $18,750 / $20,000

Suezmax Vessels on SLBs (treated as financings):

Name

Deadweight

Charterer

End of firm period

M/T Eco Bel Air

157,000

BP Shipping Limited

April 2022

M/T Eco Beverly
Hills

157,000

BP Shipping Limited

May 2022

Charterer's Optional
Periods

1+1 years

1+1 years

Gross Rate fixed
period/ options
$24,500 / $27,500 /
$29,000
$24,500 / $27,500 /
$29,000

Joint Venture MR Tanker fleet (50% owned):

Name

M/T Eco Palm
Springs*

Deadweight
50,000

Charterer
Clearlake
Shipping Pte
Ltd

End of firm
period
May 2021

Charterer's
Optional Periods
1+1 years

Gross Rate fixed period/ options
$14,750 up to May 2020 and $15,175
thereafter / $15,550 / $16,550

* We have agreed to sell this vessel subject to customary closing conditions.

All the vessels in our fleet are equipped with engines of modern design and with improvements in the hull, propellers and
other   parts   of   the   vessel   to   decrease   fuel   consumption   and   reduce   emissions.   Vessels   with   this   combination   of   technologies,
introduced from certain shipyards, are commonly referred to as eco vessels. We believe that recent advances in shipbuilding design
and technology should make these latest generation vessels more fuel-efficient than older vessels in the global fleet that compete
with our vessels for charters, providing us with a competitive advantage.  Furthermore, all of our vessels are fitted with ballast
water treatment equipment and five of our vessels have scrubbers installed.

Management of our Fleet

Our Fleet Manager provides all operational, technical and commercial management services for our fleet. Please see "Item

18. Financial Statements—Note 5—Transactions with Related Parties".

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Officers, Crewing and Employees

As of the date of this annual report we employ directly only one shore-based employee. Our executive officers and a
number of administrative employees are provided according to an agreement with Central Mare. Please see "Item 18. Financial
Statements—Note 5—Transactions  with  Related  Parties".  In  addition,  our  Fleet  Manager  is  responsible  for  recruiting,  mainly
through a crewing agent, the senior officers and all other crew members for our vessels. We believe the streamlining of crewing
arrangements will ensure that all our vessels will be crewed with experienced seamen that have the qualifications and licenses
required by international regulations and shipping conventions.

The International Shipping Industry

The seaborne transportation industry is a vital link in international trade, with ocean going vessels representing the most
efficient and often the only method of transporting large volumes of basic commodities and finished products. Demand for tankers
is   dictated   by   world   oil   demand   and   trade,   which   is   influenced   by   many   factors,   including   international   economic   activity;
geographic changes in oil production, processing, and consumption; oil price levels; inventory policies of the major oil and oil
trading companies; and strategic inventory policies of countries such as the United States, China and India.

Shipping demand, measured in tonne-miles, is a product of (a) the amount of cargo transported in ocean going vessels,
multiplied by (b) the distance over which this cargo is transported. The distance is the more variable element of the tonne-mile
demand equation and is determined by seaborne trading patterns, which are principally influenced by the locations of production
and consumption. Seaborne trading patterns are also periodically influenced by geo-political events that divert vessels from normal
trading patterns, as well as by inter-regional trading activity created by commodity supply and demand imbalances. Tonnage of oil
shipped is primarily a function of global oil consumption, which is driven by economic activity as well as the long-term impact of
oil   prices   on   the   location   and   related   volume   of   oil   production.   Tonnage   of   oil   shipped   is   also   influenced   by   transportation
alternatives (such as pipelines) and the output of refineries.

Demand for tankers and tonnage of oil shipped is primarily a function of global oil consumption, which is driven by
economic activity, as well as the long-term impact of oil prices on the location and related volume of oil production. Global oil
demand returned to limited growth in 2010 and has since been expanding at a modest pace, as a steady rise in Asia has outweighed
decreasing demand in Europe and in the United States. According to the International Energy Agency, global oil demand for 2019
has risen to approximately 100.1 million barrels/day compared to 99.2 million barrels/day during 2018.

We strategically monitor developments in the tanker industry on a regular basis and, subject to market demand, will seek to

enter into shorter or longer time or bareboat charters according to prevailing market conditions.

We will compete for charters on the basis of price, vessel location, size, age and condition of the vessel, as well as on our
reputation as an operator. We will arrange our time charters and bareboat charters through the use of brokers, who negotiate the
terms of the charters based on market conditions. We will compete primarily with owners of tankers in the handymax and Suezmax
class sizes. Ownership of tankers is highly fragmented and is divided among major oil companies and independent vessel owners.

Seasonality

We operate our tankers in markets that have historically exhibited seasonal variations in demand and, therefore, charter
rates. This seasonality may affect operating results. However, to the extent that our vessels are chartered at fixed rates on a long-
term basis, seasonal factors will not have a significant direct effect on our business.

Risk of Loss and Liability Insurance

General

The operation of any cargo vessel includes risks such as mechanical failure, physical damage, collision, property loss,
cargo loss or damage and business interruption due to political circumstances in foreign countries, piracy incidents, hostilities and
labor strikes. In addition, there is always an inherent possibility of marine disaster, including oil spills and other environmental
mishaps,   and   the   liabilities   arising   from   owning   and   operating   vessels   in   international   trade.   OPA,   which   imposes   virtually
unlimited liability upon shipowners, operators and bareboat charterers of any vessel trading in the exclusive economic zone of the
United States for certain oil pollution accidents in the United States, has made liability insurance more expensive for shipowners
and operators trading in the United States market. We carry insurance coverage as customary in the shipping industry. However, not
all risks can be insured, specific claims may be rejected, and we might not be always able to obtain adequate insurance coverage at
reasonable rates.

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Hull and Machinery Insurance

We procure hull and machinery insurance, protection and indemnity insurance, which includes environmental damage and
pollution insurance and war risk insurance and freight, demurrage and defense insurance for our fleet. We generally do not maintain
insurance against loss of hire (except for certain charters for which we consider it appropriate), which covers business interruptions
that result in the loss of use of a vessel.

Protection and Indemnity Insurance

Protection and indemnity insurance is provided by mutual protection and indemnity associations, or "P&I Associations,"
and covers our third-party liabilities in connection with our shipping activities. This includes third-party liability and other related
expenses of injury or death of crew, passengers and other third parties, 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. Protection and indemnity insurance is a form of mutual indemnity insurance, extended by
protection and indemnity mutual associations, or "clubs."

Our current protection and indemnity insurance coverage for pollution is $1 billion per vessel per incident. The 13 P&I
Associations that comprise the International Group insure approximately 90% of the world's commercial tonnage and have entered
into a pooling agreement to reinsure each association's liabilities. The International Group's website states that the Pool provides a
mechanism for sharing all claims in excess of US$ 10 million up to, currently, approximately US$ 8.2 billion.  As a member of a
P&I Association, which is a member of the International Group, we are subject to calls payable to the associations based on our
claim records as well as the claim records of all other members of the individual associations and members of the shipping pool of
P&I Associations comprising the International Group.

Environmental and Other Regulations in the Shipping Industry

Government   regulation   and   laws   significantly   affect   the   ownership   and   operation   of   our   fleet.   We   are   subject   to
international conventions and treaties, national, state and local laws and regulations in force in the countries in which our vessels
may operate or are registered relating to safety and 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 our vessels to both scheduled and unscheduled inspections. These
entities include the local port authorities (applicable national authorities such as the United States Coast Guard ("USCG"), harbor
master or equivalent), classification societies, flag state administrations (countries of registry) and charterers, particularly terminal
operators. Certain of these entities require us to obtain permits, licenses, certificates and other authorizations for the operation of
our vessels. Failure to maintain necessary permits or approvals could require us to incur substantial costs or result in the temporary
suspension of the operation of one or more of our vessels.

Increasing environmental concerns have created a demand for vessels that conform to stricter environmental standards. We
are   required   to   maintain   operating   standards   for   all   of   our   vessels   that   emphasize   operational   safety,   quality   maintenance,
continuous training of our officers and crews and compliance with United States and international regulations. We believe that the
operation of our vessels is in substantial compliance with applicable environmental laws and regulations and that our vessels have
all material permits, licenses, certificates or other authorizations necessary for the conduct of our operations. However, because
such laws and regulations frequently change and may impose increasingly stricter requirements, we cannot predict the ultimate cost
of complying with these requirements, or the impact of these requirements on the resale value or useful lives of our vessels. In
addition, a future serious marine incident that causes significant adverse environmental impact could result in additional legislation
or regulation that could negatively affect our profitability.

International Maritime Organization

The International Maritime Organization, the United Nations agency for maritime safety and the prevention of pollution by
vessels (the "IMO"), has adopted the International Convention for the Prevention of 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 establishes environmental standards relating to oil leakage or spilling, garbage management,
sewage,  air  emissions,  handling  and  disposal  of  noxious  liquids   and  the  handling  of  harmful  substances  in  packaged  forms.  
MARPOL is applicable to drybulk, tanker and LNG 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   in   packaged   form,   respectively;   Annexes   IV   and   V   relate   to   sewage   and   garbage   management,
respectively; and Annex VI, lastly, relates to air emissions. Annex VI was separately adopted by the IMO in September of 1997;
new emissions standards, titled IMO-2020, are set to take effect on January 1, 2020.

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In 2012, the IMO's Marine Environmental Protection Committee, or the "MEPC," adopted a resolution amending the
International Code for the Construction and Equipment of Ships Carrying Dangerous Chemicals in Bulk, or the "IBC Code." The
provisions of the IBC Code are mandatory under MARPOL and the SOLAS Convention. These amendments, which entered into
force in June 2014, pertain to revised international certificates of fitness for the carriage of dangerous chemicals in bulk and
identifying new products that fall under the IBC Code. We may need to make certain financial expenditures to comply with these
amendments.

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. We may need to make certain financial expenditures to
comply with these amendments.

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 sulfur oxide and nitrogen oxide emissions from all commercial vessel exhausts and prohibits "deliberate
emissions" of ozone depleting substances (such as halons and chlorofluorocarbons), emissions of volatile compounds from cargo
tanks and the shipboard incineration of specific substances. Annex VI also includes a global cap on the sulfur content of fuel oil and
allows for special areas to be established with more stringent controls on sulfur emissions, as explained below.  Emissions of
"volatile organic compounds" from certain vessels, and the shipboard incineration (from incinerators installed after January 1, 2000)
of certain substances (such as polychlorinated biphenyls, or "PCBs") are also prohibited.  We believe that all our vessels are
currently compliant in all material respects with these regulations.

The Marine Environment Protection Committee, or "MEPC," adopted amendments to Annex VI regarding emissions of
sulfur oxide, nitrogen oxide, particulate matter and ozone depleting substances, which 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
amount of sulfur contained in any fuel oil used on board ships. On October 27, 2016, at its 70th session, the MEPC agreed to
implement a global 0.5% m/m sulfur oxide emissions limit (reduced from 3.50%) starting from January 1, 2020.  This limitation
can   be   met   by   using   low-sulfur   compliant   fuel   oil,   alternative   fuels   or   certain   exhaust   gas   cleaning   systems.     Since   the
implementation of the cap, ships are required to obtain bunker delivery notes and International Air Pollution Prevention ("IAPP")
Certificates from their flag states that specify 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 entered into force on March 1, 2020.  These regulations subject
ocean-going vessels to stringent emissions controls, and may cause us to incur substantial costs.

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.   Other   areas   in   China   are   subject   to   local
regulations  that  impose  stricter  emission  controls.    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.

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.     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 commencing 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.

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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 ("SEEMPS"), 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.

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.

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. We have obtained applicable 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").

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 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. For example, cyber-risk management systems must be incorporated by ship-owners and managers by 2021.
This might cause companies to create additional procedures for monitoring cybersecurity, which could require additional expenses
and/or capital expenditures.  The impact of such regulations is hard to predict at this time.

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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 9, 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 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. All of our vessels comply with this standard.

Once   mid-ocean   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 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.

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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. 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 is issued for the first time; and subsequent surveys when the anti‑fouling
systems are altered or replaced. We have obtained Anti‑fouling System Certificates for all of our vessels that are subject to the
Anti‑fouling Convention.

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.

United States Regulations

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

The U.S. 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 or operate within the U.S.,
its territories and possessions or whose vessels operate in U.S. waters, which includes the U.S.'s territorial sea and its 200-nautical
mile   exclusive   economic   zone   around   the   U.S.     The   U.S.   has   also   enacted   the   Comprehensive   Environmental   Response,
Compensation and Liability Act ("CERCLA"), which applies to the discharge of hazardous substances other than oil, except in
limited circumstances, 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 our 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, including bunkers (fuel).  OPA defines
these other damages broadly to include:

(i)

(ii)

(iv)

(iii)

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;

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

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;

property or natural resources; and

 (v)

lost profits or impairment of earning capacity due to injury, destruction or loss of real or personal

discharge of oil, such as protection from fire, safety or health hazards, and loss of subsistence use of natural resources.

(vi)

net cost of increased or additional public services necessitated by removal activities following a

OPA contains statutory caps on liability and damages; such caps do not apply to direct cleanup costs.  Effective November
12, 2019, the USCG adjusted the limits of OPA liability for a tank vessel, other than a single-hull tank vessel, over 3,000 gross tons
liability to the greater of $2,300 per gross ton or $19,943,400 (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 as required by law where the responsible party knows or has reason to know of the incident; (ii)
reasonably cooperate and assist as requested in 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.

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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 the 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 each preserve the right to recover damages under existing law, including maritime tort law.  OPA and
CERCLA   both   require   owners   and   operators   of   vessels   to   establish   and   maintain   with   the   USCG   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. We comply and plan to comply going forward with the USCG's financial responsibility
regulations by providing applicable certificates of financial responsibility.

The 2010 Deepwater Horizon  oil  spill  in  the Gulf  of Mexico  resulted in additional regulatory initiatives or statutes,
including higher liability caps under OPA, new regulations regarding offshore oil and gas drilling and a pilot inspection program for
offshore facilities.  However, several of these initiatives and regulations have been or may be revised.  For example, the U.S.
Bureau   of   Safety   and   Environmental   Enforcement's   ("BSEE")   revised   Production   Safety   Systems   Rule   ("PSSR"),   effective
December 27, 2018, modified and relaxed certain environmental and safety protections under the 2016 PSSR.  Additionally, the
BSEE amended the Well Control Rule, effective July 15, 2019, which rolled back certain reforms regarding the safety of drilling
operations, and the U.S. President proposed leasing new sections of U.S. waters to oil and gas companies for offshore drilling.  The
effects   of   these   changes   are   currently   unknown.     Compliance   with   any   new   requirements   of   OPA   and   future   legislation   or
regulations applicable to the operation of our vessels could impact the cost of our operations and adversely affect our business.

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.  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.  Moreover, some
states have enacted legislation providing for unlimited liability for discharge of pollutants within their waters, although in some
cases, states which have enacted this type of legislation have not yet issued implementing regulations defining vessel owners'
responsibilities under these laws. We intend to comply with all applicable state regulations in the ports where our vessels call.

We currently maintain pollution liability coverage insurance in the amount of $1 billion per incident for each of our
vessels. If the damages from a catastrophic spill were to exceed our insurance coverage, it could have an adverse effect on our
business and results of operation.

Other United States Environmental Initiatives

The U.S. Clean Air Act of 1970 (including its amendments of 1977 and 1990) ("CAA") requires the EPA to promulgate
standards applicable to emissions of volatile organic compounds and other air contaminants. Our vessels are subject to vapor
control   and   recovery   requirements   for   certain   cargoes   when   loading,   unloading,   ballasting,   cleaning   and   conducting   other
operations in regulated port areas. The CAA also requires states to draft State Implementation Plans, or "SIPs," designed to attain
national health-based air quality standards in each state. Although state-specific, SIPs may include regulations concerning emissions
resulting   from  vessel   loading   and   unloading   operations   by   requiring   the   installation   of   vapor  control   equipment.   Our   vessels
operating in such regulated port areas with restricted cargoes are equipped with vapor recovery systems that satisfy these existing
requirements.

The   U.S.   Clean   Water   Act   ("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.  In 2015, the EPA expanded the definition of "waters of the United
States" ("WOTUS"), thereby expanding federal authority under the CWA.  Following litigation on the revised WOTUS rule, in
December 2018, the EPA and Department of the Army proposed a revised, limited definition of "waters of the United States." The
proposed rule was published in the Federal Register on February 14, 2019 and was subject to public comment. On October 22,
2019,   the   agencies   published   a   final   rule   repealing   the   2015   Rule   defining   "waters   of   the   United   States"   and   recodified   the
regulatory text that existed prior to 2015 Rule. The final rule became effective on December 23, 2019. On January 23, 2020, the
EPA published the "Navigable Waters Protection Rule," which replaces the rule published on October 22, 2019, and redefines
"waters of the United States." The effect of this rule is currently unknown.

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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 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.  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.  We believe we would be
in compliance with any such regulations as our vessels are fitted with ballast water treatment equipment.

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 regulation 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 will also have to ensure that ships in all EU waters, except the SOx-Emission Control Area, use
fuels with a 0.5% maximum sulfur content.

International Labour Organization

The International Labor 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 500 gross tons or engaged in international trade and flying the flag of a Member
and operating from a port, or between ports, in another country.  We believe that all our vessels are in substantial compliance with
and are certified to meet MLC 2006.

Greenhouse Gas Regulation

Currently, the emissions of greenhouse gases from international shipping are not subject to the Kyoto Protocol to 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, the U.S.
President announced that the United States intends to withdraw from the Paris Agreement, which provides for a four-year exit
process, meaning that the earliest possible effective withdrawal date cannot be before November 4, 2020. The timing and effect of
such action has yet to be determined.

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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.

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.

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, the U.S. President 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 regulation for methane emissions. The EPA or individual U.S. states could enact environmental regulations that would
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.

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 Facilities 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.  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 BMP4 industry standard.

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Inspection by Classification Societies

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 SOLAS. Most insurance underwriters make it a condition for insurance
coverage   and   lending   that   a   vessel   be   certified   "in   class"   by   a   classification   society   which   is   a   member   of   the   International
Association of Classification Societies, the IACS.  The IACS has adopted harmonized Common Structural Rules, or "the Rules,"
which apply to oil tankers and bulk carriers contracted for construction on or after July 1, 2015.  The Rules attempt to create a level
of consistency between IACS Societies.  All of our vessels are certified as being "in class" by all the applicable Classification
Societies (e.g., American Bureau of Shipping, Lloyd's Register of Shipping).

A vessel must undergo annual surveys, intermediate surveys, drydockings 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 period. Every vessel is also required to be drydocked every 30 to 36 months for inspection of the underwater parts of the
vessel.  If any vessel does not maintain its class and/or fails any annual survey, intermediate survey, drydocking or special survey,
the vessel will be unable to carry cargo between ports and will be unemployable and uninsurable which could cause us to be in
violation of certain covenants in our loan agreements. Any such inability to carry cargo or be employed, or any such violation of
covenants, could have a material adverse impact on our financial condition and results of operations.

Customers

Our customers include national, regional and international companies. We have historically derived a significant part of
our revenue from a small number of charterers. In 2019, 95% of our net revenue was derived from seven charterers, 34% from
Stena Weco A/S, 26% from BP, 13% from Shell, 9% from DS Norden A/S, 7% from Cargill, 4% from Clearlake and 2% from
Central Tanker Chartering Inc, while another 5% of our revenue derived from spot (voyage) charters. We strategically monitor
developments in the tanker industry on a regular basis and, subject to market demand, seek to adjust the charter hire periods for our
vessels according to prevailing market conditions.

C.

Organizational Structure

We   are   a   Marshall   Islands   corporation   with   principal   executive   offices   located   at   1   Vasilisis   Sofias   and   Megalou
Alexandrou Str, 15124 Maroussi, Greece. Our significant wholly-owned subsidiaries as of December 31, 2019 are listed in Exhibit
8.1 to this annual report on Form 20-F.

D.

Property, Plants and Equipment

For a list of the vessels of our fleet, please see "Item 4. Information on the Company—B. Business Overview—Our Fleet"
above and for a description of our major encumbrances on our fleet please see "Item 5. Operating and Financial Review and
Prospects—B. Liquidity and Capital Resources—Debt Facilities".

We do not own any real estate property.

ITEM 4A.

UNRESOLVED STAFF COMMENTS

None.

ITEM 5.

OPERATING AND FINANCIAL REVIEW AND PROSPECTS

The following presentation of management's discussion and analysis is intended to discuss our financial condition, changes
in   financial   condition   and   results   of   operations,   and   should   be   read   in   conjunction   with   our   historical   consolidated   financial
statements and their notes included in this annual report.

For a discussion of our results for the year ended December 31, 2018 compared to the year ended December 31, 2017,
please see "Item 5 – Operating and Financial Review and Prospects – A. Operating Results – Results for the Year Ended December
31, 2018 Compared to the year ended December 31, 2017" contained in our annual report on Form 20-F for the year ended
December 31, 2018, filed with the Securities and Exchange Commission on March 28, 2019.

This   discussion   contains   forward-looking   statements   that   reflect   our   current   views   with   respect   to   future   events   and
financial performance. Our actual results may differ materially from those anticipated in these forward-looking statements as a
result of certain factors, such as those set forth in "Item 3. Key Information—Risk Factors" and elsewhere in this report.

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A.

Operating Results

Factors Affecting our Results of Operations

We believe that the important measures for analyzing trends in the results of our operations consist of the following:

•

•

•

•

•

Calendar days. We define calendar days as the total number of days the vessels were in our possession for the
relevant period. Calendar days are an indicator of the size of our fleet during the relevant period and affect both the
amount of revenues and expenses that we record during that period.

Available days. We define available days as the number of calendar days less the aggregate number of days that our
vessels are off-hire due to scheduled repairs, or scheduled guarantee inspections in the case of newbuildings, vessel
upgrades or special or intermediate surveys and the aggregate amount of time that we spend positioning our vessels.
Companies in the shipping industry generally use available days to measure the number of days in a period during
which vessels should be capable of generating revenues.

Operating days. We define operating days as the number of available days in a period less the aggregate number of
days that our vessels are off-hire due to unforeseen technical circumstances. The shipping industry uses operating
days to measure the aggregate number of days in a period that our vessels actually generate revenues.

Fleet utilization. We calculate fleet utilization by dividing the number of operating days during a period by the
number of available days during that period. The shipping industry uses fleet utilization to measure a company's
efficiency in finding suitable employment for its vessels and minimizing the number of days that its vessels are off-
hire for reasons other than scheduled repairs or scheduled guarantee inspections in the case of newbuildings, vessel
upgrades, special or intermediate surveys and vessel positioning.

TCE Revenues / TCE Rates. We define TCE revenues as revenues minus voyage expenses. Voyage expenses
primarily consist of port, canal and fuel costs that are unique to a particular voyage, which would otherwise be paid
by a charterer under a time charter, as well as commissions. We believe that presenting revenues net of voyage
expenses neutralizes the variability created by unique costs associated with particular voyages or the deployment of
vessels on the spot market and facilitates comparisons between periods on a consistent basis. We calculate daily
TCE rates by dividing TCE revenues by operating days for the relevant time period. TCE revenues include
demurrage revenue, which represents fees charged to charterers associated with our spot market voyages when the
charterer exceeds the agreed upon time required to load or discharge a cargo.

In the shipping industry, economic decisions are based on vessels' deployment upon anticipated TCE rates, and industry
analysts typically measure shipping freight rates in terms of TCE rates. This is because under time-charter and bareboat contracts
the customer usually pays the voyage expenses, while under voyage charters the ship-owner usually pays the voyage expenses,
which typically are added to the hire rate at an approximate cost. Consistent with industry practice, we use TCE rates because it
provides a means of comparison between different types of vessel employment and, therefore, assists our decision-making process.

In evaluating our financial condition, we focus on the below measures to assess our historical operating performance and
we use future estimates of the same measures to assess our future financial performance. In assessing the future performance of our
fleet, the greatest uncertainty relates to future charter rates at the expiration of a vessel's present period employment, whether under
a time charter or a bareboat charter. Decisions about future purchases and sales of vessels are based on the availability of excess
internal funds, the availability of financing and the financial and operational evaluation of such actions and depend on the overall
state of the shipping market and the availability of relevant purchase candidates.

Time Charter Revenues

Our Time charter revenues are driven primarily by the number of vessels in our fleet, the number of operating days during
which our vessels generate revenues and the amount of daily charterhire that our vessels earn under charters, which, in turn, are
affected by a number of factors, including our decisions relating to vessel acquisitions and disposals, the amount of time that we
spend positioning our vessels, the amount of time that our vessels spend in dry-dock undergoing repairs, maintenance and upgrade
work, the duration of the charter, the age, condition and specifications of our vessels, levels of supply and demand in the global
transportation market for oil and oil products and other factors affecting spot market charter rates such as vessel supply and demand
imbalances.

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Vessels operating on period charters, time charters or bareboat charters provide more predictable cash flows, but can yield
lower profit margins than vessels operating in the short-term, or spot, charter market during periods characterized by favorable
market conditions. Vessels operating in the spot charter market, either directly or through a pool arrangement, could generate
revenues that are less predictable, but could enable us to capture increased profit margins during periods of improvements in charter
rates, although we could be exposed to the risk of declining charter rates, which could have a materially adverse impact on our
financial performance. If we employ vessels on period charters, future spot market rates may be higher or lower than the rates at
which we have employed our vessels on period time charters.

Under a time charter, the charterer typically pays us a fixed daily charter hire rate and bears all voyage expenses, including
the   cost   of   bunkers   (fuel   oil)   and   port   and  canal   charges.   We   remain   responsible   for   paying   the   chartered   vessel's   operating
expenses, including the cost of crewing, insuring, repairing and maintaining the vessel, the costs of spares and consumable stores,
tonnage taxes and other miscellaneous expenses, and we also pay commissions to CSI, one or more unaffiliated ship brokers and to
in-house brokers associated with the charterer for the arrangement of the relevant charter.

Under a bareboat charter, the vessel is chartered for a stipulated period of time, which gives the charterer possession and
control of the vessel, including the right to appoint the master and the crew. Under bareboat charters, all voyage and operating costs
are paid by the charterer.

As of the date of this annual report, we have bareboat chartered-in eight product/chemical tankers and two suezmax crude
oil tankers, under our SLB arrangements which are accounted as financing. We may in the future operate vessels in the spot market
until the vessels have been chartered under appropriate medium to long-term charters.

Voyage charters

In a voyage charter contract, the charterer hires the vessel to transport a specific agreed-upon cargo for a single voyage,
which may contain multiple load ports and discharge ports. The consideration in such a contract is determined on the basis of a
freight rate per metric ton of cargo carried or occasionally on a lump sum basis. The charter party generally has a minimum amount
of cargo. The charterer is liable for any short loading of cargo or "dead" freight. The voyage contract generally has standard
payment   terms   of   95%  freight   paid   within   three   days   after   completion   of   loading.   The  voyage   charter  party  generally  has   a
"demurrage" or "despatch" clause. As per this clause, the charterer reimburses us 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.
We have determined that our voyage charter contracts consist of a single performance obligation of transporting the cargo within a
specified time period. Therefore, the performance obligation is met evenly as the voyage progresses and the revenue is recognized
on a straight- line basis over the voyage days from the commencement of the loading of cargo to completion of discharge.

We entered into a voyage charter from January 2019 to May 2019. There were no voyage charters in the years ended

December 2017 and 2018.

Voyage Expenses

Voyage expenses primarily consist of port charges, including canal dues, bunkers (fuel costs) and commissions. All these
expenses, except commissions, are paid by the charterer under a time charter or bareboat charter contract. The amount of voyage
expenses are primarily driven by the routes that the vessels travel, the amount of ports called on, the canals crossed and the price of
bunker fuels paid.

Charter Hire Expenses/Operating Lease Expenses

Charter   hire   expenses   represent   operating   lease   payments   for   vessels   we   bareboat   charter-in   via   operating   lease
agreements. Pursuant to the implementation of the new lease accounting standard (ASC 842) effective from January 1, 2019, we are
required to present all expenses relating to operating leases in one line item under "Operating lease expenses". Hence for the year
ended   December   31,   2019   "Operating   lease   expenses"   is   equal   to   the   aggregate   of   "Bareboat   charterhire   expenses"   and
"Amortization of prepaid bareboat charter hire", that referred to the same operating leases, as those that were presented under the
previous accounting standard (ASC 840) in the years ended December 31, 2017 and 2018.

On January 29, 2015 and March 31, 2015, we entered into SLBs for the M/T Stenaweco Energy and the M/T Stenaweco
Evolution, respectively, with a duration of seven years. These SLBs were accounted for as operating leases. On December 18 and
20, 2019 we exercised the purchase options and terminated the operating leases on M/T Stenaweco Energy and M/T Stenaweco
Evolution respectively and at the same time we consummated SLB agreements for both vessels with Oriental Fleet International
Company Limited ("OFI") that we account for as financings.

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Vessel Operating Expenses

Vessel operating expenses include crew wages and related costs, the cost of insurance, expenses relating to repairs and
maintenance, the costs of spares and consumable stores, tonnage taxes and value added tax, or VAT, and other miscellaneous
expenses.   We   analyze   vessel   operating   expenses   on   a   U.S.   dollar   per   day   basis.   Additionally,   vessel   operating   expenses   can
fluctuate due to factors beyond our control, such as unplanned repairs and maintenance attributable to damages or regulatory
compliance and factors which may affect the shipping industry in general, such as developments relating to insurance premiums, or
developments relating to the availability of crew.

Dry-docking Costs

Dry-docking costs relate to regularly scheduled intermediate survey or special survey dry-docking necessary to preserve
the quality of our vessels as well as to comply with international shipping standards and environmental laws and regulations. Dry-
docking costs can vary according to the age of the vessel, the location where the dry-dock takes place, shipyard availability, local
availability of manpower and material, and the billing currency of the yard. Please see "Item 18. Financial Statements—Note
2—Significant Accounting Policies." In the case of tankers, dry-docking costs may also be affected by new rules and regulations.
For further information please see "Item 4. Information on the Company—B. Business Overview—Environmental Regulations."

Management Fees—Related Parties

As from January 1, 2019, we have outsourced to CSI a related party controlled by the family of Mr. Evangelos Pistiolis, all
operational, technical and commercial functions relating to the chartering and operation of our vessels. We outsourced the above
functions pursuant to a letter agreement between CSI and Top Ships Inc. and management agreements between CSI and our vessel-
owning  subsidiaries   on  the   same  date,  and  each  new  vessel  that  entered   our  fleet   after   that  date  entered  into  a   management
agreement with CSI. See "Item 18. Financial Statements—Note 5—Transactions with Related Parties".

General and Administrative Expenses

Our general and administrative expenses include executive compensation paid to Central Mare for the compensation of our
executive officers and a number of administrative staff, office rent, legal and auditing costs, regulatory compliance costs, other
miscellaneous office expenses, non-cash stock compensation, and corporate overhead. Central Mare provides the services of the
individuals who serve  in the position of  Chief Executive Officer, Chief Financial Officer, Chief Operating  Officer and Chief
Technical   Officer   as   well   as   a   number   of   administrative   employees.   For   further   information   please   see   "Item   18.   Financial
Statements—Note 5—Transactions with Related Parties."

A   portion   of   our   general   and   administrative   expenses   are   denominated   in   Euros   and   are   therefore   affected   by   the

conversion rate of the U.S. dollar versus the Euro.

Interest and Finance Costs

We incur interest expense on outstanding indebtedness under our loans and SLBs, which we include in interest and finance
costs. We also incur finance costs in establishing those debt facilities and SLBs which are deferred and amortized over the period of
the respective facility. The amortization of the finance costs is presented in interest and finance costs.

Inflation

Inflation has not had a material effect on our expenses. In the event that significant global inflationary pressures appear,

these pressures would increase our operating, voyage, administrative and financing costs.

Main components of managing our business and main drivers of profitability

The management of financial, general and administrative elements involved in the conduct of our business and ownership

of our vessels requires the following main components:

•

•

•

•

management of our financial resources, including banking relationships, i.e., administration of bank loans and bank
accounts;

management of our accounting system and records and financial reporting;

administration of the legal and regulatory requirements affecting our business and assets; and

management of the relationships with our service providers and customers.

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The principal factors that affect our profitability, cash flows and shareholders' return on investment include:

•

•

•

•

•

•

charter rates and periods of charter hire for our tankers;

utilization of our tankers (earnings efficiency);

levels of our tanker's operating expenses and dry-docking costs;

depreciation and amortization expenses;

financing costs; and

fluctuations in foreign exchange rates.

RESULTS OF OPERATIONS FOR THE FISCAL YEARS ENDED DECEMBER 31, 2018 AND 2019

The following table depicts changes in the results of operations for 2019 compared to 2018.

Revenues
Voyage expenses
Operating Lease Expense
Bareboat charter hire expenses
Amortization of prepaid bareboat charter hire
Vessel operating expenses
Dry-docking costs
Vessel Depreciation
Management fees-related parties

Vessels Impairment charge
General and administrative expenses
Operating (loss) income
Impairment on unconsolidated joint ventures
Interest and finance costs
Gain on financial instruments
Interest income
Equity gain in unconsolidated joint ventures
Other, net
Total other expenses, net
Net loss

Year Ended December 31,

2018

2019

($ in thousands)
41,048
1,020
-
6,282
1,657
14,827
-
6,389
7,765

66,088
3,038
7,054
-
-
22,786
399
12,392
2,443

-
6,997
(3,889)
-
(9,662)
1,821
130
291
180
(7,240)
(11,129)

12,310
1,730
3,936
(3,144)
(18,077)
1,601
133
778
-
(18,709)
(14,773)

change
YE19 v YE18

$

25,040
2,018
7,054
(6,282)
(1,657)
7,959
399
6,003
(5,322)

12,310
(5,267)
7,825
(3,144)
(8,415)
(220)
3
487
(180)
(11,469)
(3,644)

%
61%
198%
100%
-100%
-100%
54%
100%
94%
-69%

100%
-75%
-201%
100%
87%
-12%
2%
167%
-100%
158%
33%

Please see Item 5. "Operating and Financial Review and Prospects—A. Operating Results" in our Annual Report on Form 20-F,
filed on March 28, 2019 where the 2017 to 2018 comparative discussion may be found.
Year on Year Comparison of Operating Results

1. Revenues, Voyage expenses, Other vessel operating expenses and Vessel depreciation

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2019 vs. 2018

Revenues, Voyage expenses, Other vessel operating expenses and Vessel depreciation increased mainly due to the increase
in the size of our fleet over the two comparable periods. During the year ended December 31, 2018 we employed 7 vessels, in the
same period of 2019 we employed 12 vessels, that resulted in increases in all vessel related revenues and expenses. Eco Fleet was
employed under freight voyages during the year ended December 31, 2019 which also contributed to the increase in both revenues
and voyage expenses compared to the comparable period where it was employed under time charter only.

2. Operating lease expenses, Bareboat charter hire expenses and Amortization of prepaid bareboat charter hire

2019 vs. 2018

Pursuant to the implementation of the new lease accounting standard (ASC 842) effective from January 1, 2019, we are
required to present all expenses relating to operating leases in one line item under "Operating lease expenses". In the year ended
December 31, 2019 "Operating lease expenses" is the aggregation of "Bareboat charterhire expenses" and "Amortization of prepaid
bareboat charter hire", that referred to the same operating leases, as those that were presented under the previous accounting
standard (ASC 840) in the year ended December 31, 2018. A slight decrease year on year  resulted from the exercise of the
purchase options of the two vessels we had under operating leases (M/T Stenaweco Energy and M/T Stenaweco Evolution) and the
subsequent lease termination in December 2019.

3. Management fees—related parties

2019 vs. 2018

During   the   year   ended   December   31,   2019,   management   fees   to   related   parties   decreased   by   $5.3   million,   or   69%,
compared to the year ended December 31, 2018. This decrease was mainly due to $3.9 million of sale and purchase commissions as
per our management agreement with Central Shipping Monaco SAM ("CSM"), a related party affiliated with the family of Mr.
Evangelos J. Pistiolis and $1.3 million of cash performance fee granted to CSM, during the year ended December 31, 2018, that
were absent in the year ended December 31, 2019. Although our fleet increased in 2019, a decrease in management fees pursuant to
the management agreement with our new manager, CSI, (See "Item 18. Financial Statements—Note 5—Transactions with Related
Parties") from $923 per day to $550 per day as of January 1, 2019 resulted in the same level of aggregate expenses for the per diem
management fees.

4. General and administrative expenses

2019 vs. 2018

During the year ended December 31, 2019, our general and administrative expenses decreased by $5.3 million, or 75%,
compared to the year ended December 31, 2018, mainly attributed to no bonuses paid in 2019 compared to $2.3 million paid in
2018, a decrease of $2.0 million in manager and employee related expenses, following the reduction of the executive compensation
paid to Central Mare for the compensation of our executive officers from $0.2 million to $0.03 million per month, a decrease of
$0.3 million in legal and consulting fees and expenses, a decrease of $0.3 million in other general and administrative expenses, a
decrease of $0.3 million in fixed assets depreciation resulting from an acceleration of the leasehold improvements depreciation in
2018 due to the relocation of our offices to another floor in the building, absent in 2019 and a decrease of $0.1 million in travelling
expenses.

5.

Interest and Finance Costs

2019 vs. 2018

During the year ended December 31, 2019, interest and finance costs increased by $8.4 million, or 87%, compared to the
year ended December 31, 2018. This increase is mainly attributed to the following (see "Item 18. Financial Statements—Note
8—Debt." for facility definitions):

I.

An increase of $10.2 million in loan interest expense, due to the following:

a.

$6.9 million increase in interest expenses in the year ended December 31, 2019 as a result of our entry into three new
SLBs that we have  accounted as financings (namely the Cargill, BoComm Leasing and CMBFL SLBs) for the
financing of a total of four new vessels delivered during 2019 (namely M/T's: Eco California, Eco Marina Del Rey,
Eco Bel Air, Eco Beverly Hills).

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b.

c.

d.

e.

f.

$1.0 million increase in interest expenses during the year ended December 31, 2019 as a result of interest expenses
relating to the AT Bank Senior facility (entered into for the financing of M/T Eco Palm Desert delivered in September
2018) for the whole year as compared to four months of interest expenses during 2018.

$0.3 million interest expenses from the OFI Facility for the purchase the M/T Stenaweco Energy and M/T Stenaweco
Evolution entered into in November 2019.

$1.4 million increase in interest expense of Top Ships Inc, mainly due to the fact that during the year ended December
31, 2019 we incurred $0.8 million of interest expense from the AT Bank Note, absent in the year ended December 31,
2018. During the year ended December 31, 2019 we had a reduction in imputed capitalized interest of $0.6 million
compared to the same period in 2018.

$0.4 million increase in interest expenses as part of the refinancing of Tranche C of the ABN Facility in January 2019
with the BoComm Leasing Facility, which resulted in an increase of the leverage amount by about $3.1 million.

$0.2 million increase in interest expense as part of the refinancing of the NORD/LB facility in July 2019 with the OFI
Facility, which resulted in an increase in the leverage amount by about $8.6 million.

II. An increase of $0.3 million in amortization of finance fees mainly due to the following:

g. An   increase   of   $0.5   million   as   a   result   of   the   accelerated   amortization   of   the   unamortized   balance   of   deferred
financing   fees   of   Tranche   C   of   the   ABN   Facility   ($0.3   million)   and   of   the   NORD/LB   Facility   as   part   of   its
refinancing in July 2019 ($0.2 million).

h. An increase of $0.2 million as part of the CMBFL Facility that financed the newbuilding vessels delivered in the

second quarter of 2019, M/T Eco Bel Air and M/T Eco Beverly Hills ($0.1 million each).

i. An offsetting decrease of $0.2 million as a result of the reduced amortization of the AT Bank predelivery facilities'
fees for the financing of M/T Eco Palm Desert ($0.1 million) and Eco California ($0.1 million) that were being
amortized up to September 2018 and January 2019 respectively.

j. An offsetting decrease of $0.2 million due to the reduced amortization of the Family Trading facility fees that were
being amortized up to March 2019 ($0.3 million decrease), netted by an increase in the amortization of financing fees
of the new AT Bank Note that started in March 2019 ($0.1 million increase).

III. An offsetting decrease of $2.2 million in amortization of debt discount mainly due to the fact that in the year ended
December 31, 2019 the debt discount amortization relating to the convertibility features of the Family Trading Loan
amounted to $0.3 million, compared to $2.5 million for the same period in 2018, since the facility was terminated in March
2019.

6.

(Loss)/Gain on derivative financial instruments

2019 vs. 2018

During the year ended December 31, 2019, fair value gain on derivative financial instruments decreased by $0.2 million,
or 12%, compared to the year ended December 31, 2018, mainly to due to $1.2 million increase in the unrealized losses from the
valuation of our interest rate swaps, offset by $0.5 million of gains we recognized from the valuation of our 2014 Warrants, when
compared to the same period in 2018, $0.4 million of gains we recognized from the valuation of our Class B Warrants, which didn't
exist in 2018 and $0.1 million of realized gains of our interest rate swaps.

7. Vessels Impairment charge

2019 vs. 2018

The M/T Eco Fleet and M/T Eco Revolution met the criteria to be classified as assets held for sale at December 12, 2019
according to guidance in ASC 360. Consequently, we treated the vessels including their inventories on board as assets held for sale
and have classified them as a current asset measured at the lower of the carrying amounts and fair values less costs to sell, resulting
in an impairment charge of $6.8 million for the M/T Eco Fleet and $5.5 million for the M/T Eco Revolution.

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8.

Impairment on unconsolidated joint ventures

2019 vs. 2018

In December 2019, we wrote down our Investments in unconsolidated joint ventures to their fair value less costs to sell,

resulting in an impairment charge of $3.1 million, pursuant to the Joint Ventures' plan to sell the vessels.

Our Fleet—Illustrative Comparison of Possible Excess of Carrying Value Over Estimated Charter-Free Market Value of
Certain Vessels

In Note 2 to our consolidated financial statements included herein we discuss our policy for impairing the carrying values
of our vessels. During the past few years, the market values of vessels have experienced particular volatility, with substantial
declines in many vessel classes. As a result, the charter-free market value, or basic market value, of certain of our vessels may have
declined below those vessels' carrying value. However, we would not impair those vessels' carrying value under our accounting
impairment policy due to our belief that future undiscounted cash flows expected to be earned by such vessels over their operating
lives would exceed such vessels' carrying amounts. Furthermore during the year ended December 31, 2019 MR2 Product Tanker
(i.e. product tankers of abt 50,000 dwt) values have been increasing.

As of December 31, 2019, we believe that the basic charter-free market values of our owned vessels are higher than the
vessels carrying value by approximately 18%, except for our two MR1 product tankers, the M/T Eco Fleet and the M/T Eco
Revolution that we have classified as held for sale and have written down to their fair values less costs to sell.

Our estimates of basic charter-free market value assume that our vessels are all in good and seaworthy condition without
need for repair and if inspected would be certified in class without notations of any kind. Our estimates are based on information
available from various industry sources, including:

•

•

•

•

•

•

reports by industry analysts and data providers that focus on our industry and related dynamics affecting vessel values;

news and industry reports of similar vessel sales;

news and industry reports of sales of vessels that are not similar to our vessels where we have made certain adjustments in an
attempt to derive information that can be used as part of our estimates;

approximate market values for our vessels or similar vessels that we have received from shipbrokers, whether solicited or
unsolicited, or that shipbrokers have generally disseminated;

offers that we may have received from potential purchasers of our vessels; and

vessel sale prices and values of which we are aware through both formal and informal communications with shipowners,
shipbrokers, industry analysts and various other shipping industry participants and observers.

As we obtain information from various industry and other sources, our estimates of basic charter-free market values are

inherently uncertain. In addition, vessel values are highly volatile; as such, actual results could differ from those estimates.

All of our vessels are currently employed under long-term, time charters, the majority of which are above-market. For
more information, see "Business Overview—Our Fleet."  We believe that in a sale of a majority of our vessels with charters
attached, we would receive a premium over the vessels' charter-free market value.

We refer you to the risk factor entitled "The international oil tanker industry has experienced volatile charter rates and
vessel values and there can be no assurance that these charter rates and vessel values will not decrease in the near future" and the
discussion herein under the heading "Risks Related to Our Industry."

Critical Accounting Policies:

The discussion and analysis of our financial condition and results of operations is based upon our consolidated financial
statements, which have been prepared in accordance with U.S. GAAP. The preparation of those financial statements requires us to
make estimates and judgments that affect the reported amount of assets and liabilities, revenues and expenses and related disclosure
of contingent assets and liabilities at the date of our financial statements. Actual results may differ from these estimates under
different assumptions or conditions.

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Critical accounting policies are those that reflect significant judgments or uncertainties, and potentially result in materially
different  results  under  different  assumptions  and  conditions.  We  have   described  below  what  we  believe  are   our  most  critical
accounting policies that involve a higher degree of judgment and the methods of their application. For a description of all of our
significant accounting policies, see Note 2 to our consolidated financial statements included herein.

Vessel depreciation. We record the value of our vessels at their cost (which includes the contract price, pre-delivery costs
incurred during the construction of newbuildings, capitalized interest and any material expenses incurred upon acquisition such as
initial repairs, improvements and delivery expenses to prepare the vessel for its initial voyage) less accumulated depreciation. We
depreciate our vessels on a straight-line basis over their estimated useful lives, estimated to be 25 years from the date of initial
delivery from the shipyard. Depreciation is based on cost of the vessel less its residual value which is estimated to be $300 per
light-weight ton. A decrease in the useful life of the vessel or in the residual value would have the effect of increasing the annual
depreciation charge.

A decrease in the useful life of the vessel may occur as a result of poor vessel maintenance performed, harsh ocean-going
and weather conditions that the vessel is subject to, or poor quality of the shipbuilding yard. When regulations place limitations
over the ability of a vessel to trade on a worldwide basis, the vessel's useful life is adjusted at the date such regulations become
effective. Weak freight markets may result in owners scrapping more vessels and scrapping them earlier due to unattractive returns.
An increase in the useful life of the vessel may result from superior vessel maintenance performed, favorable ocean-going and
weather conditions the vessel is subjected to, superior quality of the shipbuilding yard, or high freight rates which result in owners
scrapping the vessels later due to attractive cash flows.

Impairment of vessels: We evaluate the existence of impairment indicators whenever events or changes in circumstances
indicate that the carrying values of our long-lived assets are not recoverable. Such indicators of potential impairment include, vessel
sales and purchases, business plans and overall market conditions. If there are indications for impairment present, we determine
undiscounted projected net operating cash flows for each vessel and compare it to the vessel's carrying value. If the carrying value
of the related vessel exceeds its undiscounted future net cash flows, the carrying value is reduced to its fair value.

The carrying values of our vessels may not represent their fair market value at any point in time since the market prices of
second-hand vessels tend to fluctuate with changes in charter rates and the cost of newbuildings. During the past years, the market
values of vessels have experienced particular volatility, with substantial declines in many vessel classes. As a result, the charter-free
market value, or basic market value, of certain of our vessels may have declined below those vessels' carrying value, even though
we   would   not   impair   those   vessels'   carrying   value   under   our   accounting   impairment   policy,   due   to   our   belief   that   future
undiscounted cash flows expected to be earned by such vessels over their operating lives would exceed such vessels' carrying
amounts.

Although we believe that the assumptions used to evaluate potential impairment are reasonable and appropriate, such
assumptions are highly subjective. There can be no assurance as to how long charter rates and vessel values will remain at their
current levels or whether they will improve or decrease by any significant degree. Charter rates may be at depressed levels for some
time, which could adversely affect our revenue and profitability, and future assessments of vessel impairment.

In order to perform the undiscounted cash flow test, we make assumptions about future charter rates, commissions, vessel
operating expenses, dry-dock costs, fleet utilization, scrap rates used to calculate estimated proceeds at the end of vessels' useful
lives and the estimated remaining useful lives of the vessels. These assumptions are based on historical trends as well as future
expectations. The projected net operating cash flows are determined by considering the charter revenues from existing time charters
for the fixed fleet days and an estimated daily time charter equivalent for the unfixed days (based on the ten year historical averages
of the one-year, three-year and five-year time charter rates) over the remaining useful life of each vessel, which we estimate to be
25 years from the date of initial delivery from the shipyard. Expected outflows for scheduled vessels' maintenance and vessel
operating expenses are based on historical data, and adjusted annually assuming an average annual inflation derived from the most
recent twenty-year average consumer price index. Effective fleet utilization, average commissions, dry-dock costs and scrap values
are also based on historical data.

In 2019 MR2 Product tanker values were increasing and the charter-free market value of each vessel of our fleet was
higher than its carrying amount. As such we had no indicators of potential impairment and did not perform the undiscounted cash
flow test for our MR2 Product tankers.

In December 2019 we classified our MR1 Product tankers M/T Eco Fleet and M/T Eco Revolution as held for sale and
their carrying amount of $55.6 million was written down to their fair value of $43.3 million, resulting in an impairment charge of
$12.3   million   to   reduce   their   carrying   values   to   the   fair   values   less   costs   to   sell,   which   was   determined   using   the   purchase
consideration in the sale agreements with the respective buyers. The vessels were sold on January 21 and January 14, 2020 to an
unrelated third party for gross proceeds of $21.0 million and $23.0 million respectively.

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We determined that there are no impairment indications for any other vessels of our fleet. Hence, we didn't write down any

other vessels to their fair values.

New accounting pronouncements: See "Item 18. Financial Statements—Note 2—Significant Accounting Policies –Recent

Accounting Pronouncements."

B.

Liquidity and Capital Resources

Since our formation, our principal sources of funds have been equity provided by our shareholders through equity offerings
or at the market sales, operating cash flow, long-term borrowing including SLBs and short-term borrowings. Our principal use of
funds has been capital expenditures to establish and grow our fleet, maintain the quality of our vessels, comply with international
shipping standards and environmental laws and regulations and fund working capital requirements.

Our business is capital intensive and its future success will depend on our ability to maintain a high-quality fleet through
the acquisition of newer vessels and the selective sale of older vessels. Our practice has been to acquire vessels using a combination
of funds received from equity investors and bank debt including SLBs secured by title on our vessels.  Future acquisitions are
subject to management's expectation of future market conditions, our ability to acquire vessels on favorable terms and our liquidity
and capital resources.

As of December 31, 2019, we had a net indebtedness of $309.0 million, which after excluding unamortized financing fees
amounts to total indebtedness $316.6 million. Also as of December 31, 2019, we had remaining contractual commitments for the
acquisition of our fleet totaling $64.0 million and available committed undrawn loan balances of $60.2 million. Finally, as of
December 31, 2019, our cash and cash equivalent balances amounted to $13.3 million, held in U.S. Dollar accounts, $8.9 million of
which are classified as restricted cash.

All the contractual commitments have been settled as of the date of this report through a combination of sources, which
include the drawdown of our abovementioned available committed undrawn loans, the issuance of Series E Preferred Shares and
funds from the sale of our vessels.

Working Capital Requirements and Sources of Capital

As of December 31, 2019, we had a working capital deficit (current assets less current liabilities) of $17.8 million.

Our operating cash flow for the remainder of 2020 is expected to decrease compared to the same period in 2019, as we
have sold the M/T Ecofleet and the M/T Eco Revolution, in January 2020, M/T Stenaweco Elegance in February 2020 and M/T Eco
Palm Desert and M/T Holmby Hills (of which we owned a 50% interest) in March 2020 and we have also agreed to sell M/T Palm
Springs.  While the addition of the M/T Los Angeles and M/T City of Angels in February 2020 will help increase operating cash
flow, the overall effect of the recent vessel sales and purchases on operating cash flow is negative.

As of the date of this report, we estimate the net proceeds from all of the abovementioned vessel sales to amount to $44.5
million after costs and fees relating to the sales and to the prepayment of related debt facilities (including the release of restricted
cash relating to loan covenants and time charter termination fees) and we have successfully taken delivery of M/T Los Angeles and
M/T City of Angels in February 2020. Also of the date of this report we have collected gross proceeds of $18 million from equity
offerings   that   took   place   in   February   and   March   2020   (please   see   "Item   4.   Information   on   the   Company—A.   History   and
Development of the Company—Recent Developments."). Hence due to the abovementioned proceeds from the sales of vessels,
proceeds from equity offerings and due to the positive cash from operations, in our opinion, will be able to finance our working
capital deficit and meet our obligations in the next 12 months.

Cash Flow Information

Cash and cash equivalents and restricted cash were $7.7 million and $13.3 million as of December 31, 2018 and 2019

respectively.

Net Cash from Operating Activities.

Net cash used in operating activities increased by $18.5 million, or 2,581%, for 2019 to $19.2 million, compared to $0.7

million for 2018.

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Non-cash adjustments to reconcile net loss to net cash provided by operating activities for the year ended December 31,
2019 totaled $29.2 million. This consisted mainly of $12.4 million of depreciation expenses, $12.3 million of impairment of vessels
held for sale, $3.1 of impairment on unconsolidated joint ventures, $2.1 million of amortization and write offs of deferred financing
costs, $1.5 million of non-cash operating lease expenses offset by $1.5 million unrealized gains from the valuation of derivative
financial instruments and $0.7 million in gains in unconsolidated joint ventures. The cash inflow from operations was supplemented
by a $4.7 million increase in current liabilities.

Non-cash adjustments to reconcile net loss to net cash provided by operating activities for the year ended December 31,
2018 totaled $9.9 million. This consisted mainly of $6.4 million of depreciation expenses; $2.5 million of amortization of debt
discounts; $1.7 million of amortization of prepaid bareboat charter hire; $1.3 million of amortization and write offs of deferred
financing costs and $0.3 million of depreciation of other fixed assets, offset by $1.8 million unrealized gains from the valuation of
derivative financial instruments; $0.3 million in gains in unconsolidated joint ventures and a $0.2 million write-off of short term
notes. The cash inflow from operations was supplemented by a $2.5 million increase in current liabilities, offset by a $0.6 million
decrease in current assets.

Net Cash from Investing Activities.

Net cash used in investing activities in the year ended December 31, 2019 was $203.3 million, consisting mainly of $155.2

million cash paid for vessels under construction and $48.1 million cash paid for vessel acquisitions.

Net cash used in investing activities in the year ended December 31, 2018 was $68.4 million, consisting mainly of $63.5
million cash paid for vessels under construction, $3.7 million cash paid for investments in unconsolidated joint ventures and $1.2
million cash paid for vessel acquisitions.

Net Cash from Financing Activities.

Net cash provided from financing activities in the year ended December 31, 2019 was $189.7 million, consisting of $253.0
million proceeds from long term debt, $18.9 million of proceeds from issuance of common stock, $6.8 million of proceeds from
short   term   debt   and   $4.6   million   of   proceeds   from   warrants   exercised.   These   inflows   were   partially   offset   by   $50.5   million
scheduled repayments and prepayments of long term debt, $20.3 million of short term debt prepayments, $14.3 million redemptions
of Series E Shares, $6.6 million payments of financing costs and $1.9 million of equity offering related costs.

Net cash provided from financing activities in the year ended December 31, 2018 was $44.8 million, consisting of $32.8
million of proceeds from short term debt, $28.5 million proceeds from long term debt, $26.2 million of proceeds from related party
debt  (Family  Trading Facility),  $5.8  million  of  proceeds  from issuance  of  common  stock  and  $2.3  million  of  proceeds  from
warrants exercised. These inflows were partially offset by $22.3 million in excess of purchase price over book value of vessels,
$10.2 million of scheduled debt repayments, $9.0 million of short term debt prepayments, $5.7 million prepayments of short term
notes, $1.7 million payments of financing costs, $1.4 million prepayments of related party debt (Family Trading Facility) and $0.5
million of equity offering related costs.

Please see Item 5. "Operating and Financial Review and Prospects—A. Operating Results" in our Annual Report on Form

20-F, filed on March 28, 2019 where the 2017 cash flow information may be found.

Debt Facilities

Please see "Item 18. Financial Statements—Note 8—Debt." for more detailed information.

ABN Amro Facility

On July 9, 2015, we entered into a credit facility with ABN Amro Bank N.V. of Holland, or ABN Amro, for $42.0 million,
or the ABN Amro facility, for the financing of the vessels M/T Eco Fleet and M/T Eco Revolution. This facility was amended on
September 28, 2015 and was increased to $44.4 million, with all other terms remaining the same except for the margin which was
increased by 0.15%.  On August 1, 2016, we amended the ABN Facility to increase the borrowing limit to $64.4 million and added
Tranche  C   to   the   loan.     Tranche   C   was   secured   by   M/T   Nord   Valiant.     Apart   from   the   inclusion   of   M/T   Nord  Valiant   as   a
collateralized vessel and the reduction of the margin to 3.75% (applicable only to Tranche C), no other material changes were made
to the ABN Facility.

We drew down $21.0 million under the ABN Amro facility on July 13, 2015 to finance the last shipyard installment of
M/T Eco Fleet and another $1.2 million on September 30, 2015. Furthermore, we drew down $22.2 million under the ABN facility
on January 15, 2016 to finance the last shipyard installment of M/T Eco Revolution.  Finally, on August 5, 2016 we drew down
$20.0 million under the Tranche C of the ABN facility to partly finance the last shipyard installments of M/T Nord Valiant.

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On November 16, 2018 we amended the ABN Facility to increase the borrowing limit by $5.0 million.  This additional
amount was subsequently drawn-down and applied towards capital expenditures under our newbuilding program. Apart from the
introduction of a new repayment schedule reflecting the increased facility principal, all other material terms remained the same.

The ABN Amro facility bore interest at LIBOR plus a margin of 3.90%, except for the Tranche C part of the facility that
bore interest at LIBOR plus a margin of 3.75%.  The applicable LIBOR as of December 31, 2019 was 1.99%.  Tranche C of the
ABN   Facility   was   fully   prepaid   on   January   17,   2019   using   $18.5   million   of   proceeds   from   the   BoComm   Leasing   Sale   and
Leaseback. The remaining ABN Facility was prepaid on January 14 and January 21, 2020 in connection with the sale of the M/T
Eco Fleet and M/T Eco Revolution using $29.4 million of the proceeds from the sale.

NORD/LB Facility

On May 11, 2016, we entered into a credit facility with Norddeutsche Landesbank Girozentrale, or NORD/LB Bank, of
Germany for $23.1 million, or the NORD/LB Facility, for the financing of the vessel M/T Stenaweco Excellence. The NORD/LB
Facility was repayable in 12 consecutive quarterly installments.  We drew down $23.1 million under the NORD/LB Facility on May
13, 2016 to finance the last shipyard installment of the M/T Stenaweco Excellence.

The NORD/LB facility bore interest at LIBOR plus a margin of 3.43%. On July 15, 2019 we sold and leased back the M/T
Stenaweco Excellence to Oriental Fleet International Company Limited, a non-affiliated party, and fully prepaid the outstanding
amount of the NORD/LB facility.

Alpha Bank Facility

On July 20, 2016, Eco Seven, a company that was later acquired by us, entered into a credit facility with Alpha Bank SA.
of Greece, or Alpha Bank, for $23.3 million, or the Alpha Facility, for the financing of the vessel M/T Stenaweco Elegance.  The
Alpha Facility was repayable in 12 consecutive quarterly installments.  We drew down $23.3 million under the Alpha facility on
February 24, 2017 to finance the last shipyard installment of M/T Stenaweco Elegance.

The Alpha Facility bore interest at LIBOR plus a margin of 3.50%. The applicable LIBOR as of December 31, 2019 was
about 1.79%.  On February 21, 2020, we sold M/T Stenaweco Elegance to a non-affiliated party, and fully prepaid the outstanding
principal of the Alpha Bank Facility that amounted to $19.0 million.

Alpha Bank Top-Up Facility

On April 23, 2019, we entered into a credit facility with Alpha Bank for $1.5 million, or the Alpha Top-Up Facility. This
facility was subsequently drawn-down and applied towards capital expenditures under our newbuilding program. The Alpha Top-
Up Facility was repayable in 8 consecutive quarterly installments commencing in July 2019. This facility was secured by way of a
third mortgage over M/T Stenaweco Elegance.

The Alpha Bank Top-Up Facility bore interest at LIBOR plus a margin of 4.25%. The applicable LIBOR as of December
31, 2019 was about 1.77%. On February 21, 2020 we sold the M/T Stenaweco Elegance to a non-affiliated party, and fully prepaid
the outstanding principal of the Alpha Bank Top-Up Facility that amounted to $0.9 million.

AT Bank Senior Facility

On September 5, 2017, we entered into a credit facility with Amsterdam Trade Bank N.V. of Holland, or AT Bank, for
$23.5 million to fund the delivery of M/T Eco Palm Desert, or the AT Bank Senior Facility, delivered in September 7, 2018.  An
amount of $8.9 million from the AT Bank Senior Facility was applied towards repayment of the AT Bank Predelivery Facility on
September 4, 2018.  The AT Bank Senior Facility is repayable in 20 consecutive quarterly installments.

The AT Bank Senior Facility bore interest at LIBOR plus a margin of 4% and a commitment fee of 2% per annum was
payable   quarterly   in   arrears   over   the   committed   and   undrawn   portion   of   the   facility,   starting   from   the   date   of   signing   the
commitment letter. On June 1, 2018, we signed a supplemental agreement with AT Bank that resulted in the decrease of the
commitment fee from 2% to 1.3%, effective from March 6, 2018. The applicable LIBOR as of December 31, 2019 was 1.90%.

On March 19, 2020, we sold the M/T Eco Palm Desert to a non-affiliated party, and fully prepaid the outstanding principal

of the AT Bank Facility.

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AT Bank Bridge Note

On January 28, 2019, we entered into a credit facility with AT Bank for $10.5 million for general corporate purposes, or
the AT Bank Bridge Facility. This facility was drawn down in full and the proceeds were used to repay the AT Bank Second
Predelivery Facility.  The facility was repayable on February 28, 2020.  The AT Bank Bridge Facility contained restrictions on us
from providing guarantees other than for financing of new vessels and from paying any dividends or distributing any of its capital
or redeeming any of its shares.

The AT Bank Bridge Facility bore interest at LIBOR plus a margin of 6.00% and a commitment fee of 2.25% per annum
was payable quarterly in arrears over the committed and undrawn portion of the facility, starting from the date of signing the
commitment letter. On March 22, 2019 the AT Bank Bridge Facility was converted into a note and on October 14, 2019 its maturity
was extended to March 31, 2021 with all other terms remaining the same, or the AT Bank Bridge Note.

The applicable LIBOR as of December 31, 2019 was 1.90%. On March 19, 2020, we sold the M/T Eco Palm Desert to a

non-affiliated party, and fully prepaid the outstanding principal of AT Bank Bridge Note.

AT Bank Predelivery Facility

On September 5, 2017, we entered into a credit facility with AT Bank for $8.9 million for the pre-delivery financing of
M/T Eco Palm Desert, or the AT Bank Predelivery Facility.  This facility was drawn down in five tranches and financed in full the
last five pre-delivery instalments of M/T Eco Palm Desert due for payment between August 2017 and May 2018.  The AT Bank
Predelivery Facility was repaid from the proceeds of the AT Bank Senior Facility on September 4, 2018.

AT Bank Second Predelivery Facility

On June 1, 2018, we entered into a credit facility with AT Bank for $10.1 million for the pre-delivery financing of M/T
Eco California, or the AT Bank Second Predelivery Facility. This facility was drawn down in five tranches and financed in full the
last five pre-delivery instalments of M/T Eco California due for payment between June and December 2018. The AT Bank Second
Predelivery Facility was repaid on January 28, 2019, upon delivery of the vessel, from the proceeds of the AT Bank Bridge Facility.

Alpha Bank Predelivery Facility

On July 11, 2018, we entered into a credit facility with Alpha Bank for $10.1 million for the pre-delivery financing of M/T
Eco Marina Del Ray, or the Alpha Bank Predelivery Facility.  This facility could be drawn down in five tranches to finance in full
the last five pre-delivery instalments of M/T Eco Marina Del Ray due between July 2018 and February 2019.  The facility was
repayable on delivery of the vessel in March 2019.  The Alpha Bank Predelivery Facility was fully repaid on March 13, 2019 with
part of the proceeds from the Cargill Sale and Leaseback.

Financings Committed under Sale and Leaseback Agreements

All the below SLBs contain, customary covenants and event of default clauses, including cross-default provisions and
restrictive covenants and performance requirements including (i) a ratio of total net debt to the aggregate market value of our fleet,
current or future, of no more than 75% and (ii) minimum free liquidity of $0.75 million per collateralized vessel, $0.5 million per
bareboated chartered-in vessel and $1.0 million per Suezmax vessel at the guarantors level.

Additionally, all of the SLBs contain restrictions on the relative shipowning company incurring further indebtedness or
guarantees and paying dividends, if such dividend payment would result in an event of default or termination event under the SLB
agreements.

All of the below SLBs are secured mainly by the following:

•

•

•

Ownership of the vessel financed;

Assignment of insurance and earnings of the vessel financed;

Specific assignment of any time charters of the vessel financed with duration of more than 12 months;

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•

•

•

Corporate guarantee of Top Ships Inc.;

Pledge of the shares of the relative shipowning subsidiary;

Pledge over the earnings account of the vessel financed.

Cargill Sale and Leaseback

On June 29, 2018, we entered into a SLB and a five-year time charter with Cargill International SA, or Cargill, a non-
affiliated party, for its newbuilding vessel M/T Eco Marina Del Ray (Hull No 8242) delivered in March 2019.  Consummation of
the SLB took place on the vessel's delivery date.  Following the sale, we have bareboat chartered back the vessel at a bareboat hire
of $8,600 per day and simultaneously the vessel commenced its five-year time charter with Cargill.  As part of this transaction, we
have the obligation to buy back the vessel at the end of the five-year period for $22.6 million. The gross proceeds from the sale
were $32.3 million.

Bank of Communications Financial Leasing Company ("BoComm Leasing") Sale and Leaseback

On December 21, 2018, we entered into a SLB with BoComm Leasing, a non-affiliated party, for M/T Nord Valiant and
M/T Eco California.  Consummation of the SLB took place on January 17, 2019 for M/T Nord Valiant and on January 31, 2019 for
M/T Eco California. Following the sale, we bareboat chartered back M/T Nord Valiant for five years and M/T Eco California for
seven years at a bareboat hire of $5,875 per day and $6,550 per day, respectively. As part of this transaction, we have continuous
options, after the third year, to buy back the vessels at purchase prices stipulated in the bareboat agreement depending on when the
option is exercised.  The gross proceeds from the SLBs were $21.6 million for M/T Nord Valiant and $24.1 million for M/T Eco
California.

The SLB with BoComm Leasing contains a covenant requiring that there is no change of control of the Company, save

with the prior written consent of BoComm Leasing.

China Merchants Bank Financial Leasing Co. Ltd. ("CMBFL") Sale and Leaseback

On December 3, 2018, we entered into an SLB with CMBFL, a non-affiliated party, for M/T Eco Bel Air and M/T Eco
Beverly Hills.  Consummation of the SLB took place on April 4 and May 9, 2019, respectively. Following the sale, we bareboat
chartered back the vessels for a period of seven years at a bareboat hire of $1.4 million per quarter per vessel. As part of this
transaction, we have continuous options, after the third year, to buy back the vessels at purchase prices stipulated in the bareboat
agreement depending on when the option is exercised. The gross proceeds from the sale were $91.4 million for both vessels.

The SLB with CMBLF contains a representation that should be always in effect throughout the sale and leaseback period
requiring the Top Ships Inc. to remain listed on the Nasdaq exchange and requiring that there is no change in the controlling
shareholder of the Top Ships Inc.  Violation of this ongoing representation would result in a covenant breach.

Oriental Fleet International Company Limited ("OFI") Sale and Leaseback

On July 8, 2019, we entered into sale and leaseback agreements with OFI, a non-affiliated party, for M/T Stenaweco
Excellence, M/T Stenaweco Energy and M/T Stenaweco Evolution, respectively. The sales of the three vessels were concluded on
July 15, November 18 and November 20, 2019, respectively.  Following the sales, we have bareboat chartered back the vessels for a
period of ten years at bareboat hire rates based on a straight-line amortization plus interest based on the three months LIBOR plus
3.90%.

The amortizations of the OFI facility are as follows:

•

•

•

for M/T Stenaweco Excellence: 120 consecutive monthly installments of $160,000 commencing from draw down, and a
balloon payment of $6.4 million payable together with the last installment,

for M/T Stenaweco Energy: 120 consecutive monthly installments of $131,000 commencing from draw down, and a
balloon payment of $5.7 million payable together with the last installment,

for M/T Stenaweco Evolution: 120 consecutive monthly installments of $153,000 commencing from draw down, and a
balloon payment of $6.1 million payable together with the last installment,

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As part of this transaction, we have continuous options, after the third year, to buy back the vessels at purchase prices
stipulated in the bareboat agreements depending on when the option is exercised and at the end of the ten-year period, we have an
obligation to buy back the vessels at a cost represented by the balloon payment.  The gross proceeds from the sale of the M/T
Stenaweco Excellence were $25.6 million, for M/T Stenaweco Energy $21.3 million and for M/T Stenaweco Evolution $24.4
million.

The SLB with OFI contains a covenant requiring us, throughout the sale and leaseback period, to remain listed on the

Nasdaq exchange and requiring that there is no change of control of the Company, save with the prior written consent of OFI.

AVIC International Leasing Co., Ltd ("AVIC") Sale and Leaseback

On September 30, 2019 the owning companies of the M/T Eco Los Angeles and M/T Eco City of Angels entered into an
SLB   with   AVIC,   a   non-affiliated   party,   for   their   newbuilding   vessels   M/T   Eco   Los   Angeles   and   M/T   Eco   City   of   Angels.  
Consummation of the SLB and drawdown of funds took place on the vessels' delivery dates from the shipyard of February 10 and
February 17, 2020, respectively. Following the sale, we bareboat chartered back the vessels for a period of ten years at a bareboat
hire of $9,435 per day for the first five years and $9,090 per day for the next five years per day per vessel, with a balloon
installment of $11.2 million for each vessel on the final charter hire date.  As part of this transaction, we have continuous options,
after the second year, to buy back the vessels at purchase prices stipulated in the bareboat agreement depending on when the option
is exercised and at the end of the ten year period it has an obligation to buy back the vessels at a cost represented by the balloon
payment. The gross proceeds from the sale amounted to $60.2 million for both vessels.

The SLB with AVIC contains a covenant requiring that there is no change of control of the Company, save with the prior

written consent of AVIC.

Covenant Compliance

As of December 31, 2019, we were in compliance with all debt covenants with respect to our loans and credit facilities.
The fair value of debt outstanding on December 31, 2019, after excluding unamortized financing fees, amounted to $ 319.0 million
when valuing the Cargill, BoComm and CMBFL SLBs on the basis of the Commercial Interest Reference Rates as applicable on
December 31, 2019.

Operating Leases

Please see "Item 18. Financial Statements—Note 6—Leases." for more detailed information.

Recent Developments

COVID-19 Outbreak

After the balance sheet date, the outbreak of COVID-19, which originated in China in December 2019 and subsequently
spread to most developed nations of the world, has resulted in the implementation of numerous actions taken by governments and
governmental agencies in an attempt to mitigate the spread of the virus.  These measures have resulted in a significant reduction in
global economic activity and extreme volatility in the global financial markets. The reduction of economic activity has significantly
reduced the global demand for oil, refined petroleum products and LNG.  We expect that the impact of the COVID-19 virus and the
uncertainty in the supply of oil will continue to cause volatility in the commodity markets.  The scale and duration, as well as the
impact of these factors remain uncertain but could have a material impact on our earnings, cash flow and financial condition for
2020.

C.

Research and Development, Patents and Licenses, Etc.

Not applicable.

D.

Trend Information

For industry trends, refer to industry disclosure under "Item 4. Information on the Company—B. Business Overview."

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E.

Off-Balance Sheet Arrangements

None.

F.

Tabular Disclosure of Contractual Obligations

The following table sets forth our contractual obligations and their maturity dates as of December 31, 2019 in millions of

U.S. dollars:

Contractual Obligations:

Payments due by period

1-3

3-5

More than

Total

Less than 1
year

years

years

5 years

Long term debt A
Interest related to long term debt B
Debt related to vessels held for sale C
Interest expense related to vessels held for sale
Vessel Management Fees to CSI D
Vessel acquisitions E
Total

$
$
$
$
$
$
$

286.2
80.9
30.3
0.1
11.2
64.0
472.7

$
$
$
$
$
$
$

18.1
16.6
30.3
0.1
2.7
64.0
131.8

$
$
$
$
$
$
$

46.1
28.6
0.0
0.0
5.6
0.0
80.3

$
$
$
$
$
$
$

87.1
21
0.0
0.0
2.9
0.0
111.0

$
$
$
$
$
$
$

134.9
14.7
0.0
0.0
0.0
0.0
149.6

A.

B.

C.

D.

E.

Relates to the principal repayments of our Long term debt (see "Item 18. Financial Statements—Note 8—Debt.").

Relates to estimated interest payments of our Long term debt, based on our average outstanding debt. In the cases there are
no Interest Rate Swap agreements in place, we have assumed a LIBOR of 1.5% going forward (see "Item 18. Financial
Statements—Note   8—Debt."   and   "Item   11.   Quantitative   and   qualitative   disclosures   about   market   risk—Interest   Rate
Risk").

Relates to our Debt related to vessels held for sale (see "Item 18. Financial Statements—Note 8—Debt.").

Relates to our obligation for monthly management fees under our letter agreement with CSI for all the vessels in our fleet,
excluding vessels held for sale and including the two vessels under constructions as of December 31, 2019. These fees also
cover the provision of services rendered in relation to the maintenance of proper books and records and services in relation
to financial reporting requirements under SEC and NASDAQ rules. Please see "Item 18. Financial Statements—Note
5—Transactions with Related Parties".

Relates to the remaining payments for the acquisition of our two newbuilding vessels in 2020. Please see "Item 18.
Financial Statements—Note 9— Commitments and Contingencies ".

Other Contractual Obligations:

We have entered into separate agreements with Central Mare, a related party affiliated with the family of Mr. Evangelos J.
Pistiolis, pursuant to which Central Mare furnishes our four executive officers. These agreements were entered into following the
termination  of   prior  employment  agreements.   Please   see   "Item   18.   Financial   Statements—Note   5—Transactions   with   Related
Parties".

Other major capital expenditures will include funding the maintenance program of regularly scheduled intermediate survey
or special survey dry-docking necessary to preserve the quality of our vessels and chartered in vessels, as well as to comply with
international shipping standards and environmental laws and regulations. Although we have some flexibility regarding the timing of
this   maintenance,   the   costs   are   relatively   predictable.   Vessels   are   younger   than   15   years   are   required   to   undergo   in-water
intermediate surveys 2.5 years after a special survey dry-docking and that such vessels are to be dry-docked every five years.
Vessels 15 years or older are required to undergo drydock intermediate survey every 2.5 years and not use in-water surveys for this
purpose.

G.

Safe Harbor

Forward-looking information discussed in Item 5 includes assumptions, expectations, projections, intentions and beliefs
about future events. These statements are intended as "forward-looking statements." We caution that assumptions, expectations,
projections, intentions and beliefs about future events may and often do vary from actual results and the differences can be material.
Please see "Cautionary Statement Regarding Forward-Looking Statements" in this annual report.

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ITEM 6.

DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES

A.

Directors and Senior Management

Set forth below are the names, ages and positions of our directors, executive officers and key employees. Members of our

Board of Directors are elected annually on a staggered basis and each director elected holds office for a three-year term.

Officers are elected from time to time by vote of our Board of Directors and hold office until a successor is elected.

Name
Evangelos J. Pistiolis
Alexandros Tsirikos
Konstantinos Patis
Vangelis G. Ikonomou
Konstantinos Karelas
Stavros Emmanuel
Paolo Javarone
Biographical information with respect to each of our directors and executives is set forth below.

Position
Director, President, Chief Executive Officer
Director, Chief Financial Officer
Chief Technical Officer
Chief Operating Officer
Independent Non-Executive Director
Independent Non-Executive Director
Independent Non-Executive Director

Age
47
46
46
55
47
77
46

Evangelos J. Pistiolis founded our Company in 2000, is our President and Chief Executive Officer, and has served on our
Board of Directors since July 2004. Mr. Pistiolis graduated from Southampton Institute of Higher Education in 1999, where he
studied shipping operations and from Technical University of Munich in 1994 with a bachelor's degree in mechanical engineering.
His career in shipping started in 1992 when he was involved with the day-to-day operations of a small fleet of drybulk vessels.
From 1994 through 1995, he worked at Howe Robinson & Co. Ltd., a London shipbroker specializing in container vessels. While
studying at the Southampton Institute of Higher Education, Mr. Pistiolis oversaw the daily operations of Compass United Maritime
Container Vessels, a ship management company located in Greece.

Alexandros Tsirikos has served as our Chief Financial Officer since April 1, 2009. Mr. Tsirikos is a U.K. qualified
Chartered Accountant (ACA) and has been employed with TOP Ships Inc. since July 2007 as our Corporate Development Officer.
Prior to joining TOP Ships Inc., Mr. Tsirikos was a manager with PricewaterhouseCoopers, or PwC, where he worked as a member
of the PwC Advisory team and the PwC Assurance team, thereby drawing experience both from consulting as well as auditing. As a
member of PwC's Advisory team, he led and participated in numerous projects in the public and the private sectors, including
strategic planning and business modeling, investment analysis and appraisal, feasibility studies, costing and project management.
As a member of the PwC's Assurance team, Mr. Tsirikos was part of the International Financial Reporting Standards, or IFRS,
technical team of PwC Greece and lead numerous IFRS conversion projects for listed companies. He holds a Master's of Science in
Shipping Trade and Finance from City University of London and a bachelor's degree with honors in Business Administration from
Boston University in the United States. He speaks English, French and Greek.

Konstantinos Patis has served as our Chief Technical Officer since January 2018. Mr. Patis holds a Master's of Science
and a Bachelor's degree, both in Marine Engineering from the University of Newcastle upon Tyne in the UK, as well as a Bachelor's
degree in Naval Architecture from the Technological Educational Institute of Athens, in Greece. He started his carrier in 1997
acting as a Superintendent Engineer, thereafter as Fleet Manager and from 2014 as Technical Manager in various ship management
companies in Greece, like Cyprus Sea Lines, Technomar Shipping, Aeolian Investments, Arion Shipping operating diverse fleets of
Tankers, Bulk Carriers and Containers and was involved in the technical supervision, repairs, dry docks and construction of new
projects.

Vangelis G. Ikonomou is our Chief Operating Officer. Prior to joining us, Mr. Ikonomou was the Commercial Director of
Primal   Tankers   Inc.   From   2000   to   2002,   Mr.   Ikonomou   worked   with   George   Moundreas   &   Company   S.A.   where   he   was
responsible for the purchase and sale of second-hand vessels and initiated and developed a shipping industry research department.
Mr. Ikonomou worked, from 1993 to 2000, for Eastern Mediterranean Maritime Ltd., a ship management company in Greece, in the
commercial as well as the safety and quality departments. Mr. Ikonomou holds a Master's degree in Shipping Trade and Finance
from the City University Business School in London, a bachelor's degree in Business Administration from the University of Athens
in Greece and a Navigation Officer Degree from the Higher State Merchant Marine Academy in Greece.

Konstantinos Karelas has served on our Board of Directors and has been member of the Audit Committee since April
2014. Since 2008, Mr. Karelas has served as the President and CEO of Europe Cold Storages SA, one of the leading companies in
the field of refrigeration logistics.

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Stavros Emmanuel has served on our Board of Directors since December 31, 2017 and has been member of the Audit
Committee since December 2018. Captain Stavros Emmanuel has 47 years of experience in the shipping industry and expertise in
operation and chartering matters. He obtained a Naval Officers degree from ASDEN Nautical Academy of Aspropyrgos, Greece
and earned a Master Mariners degree in 1971. He has worked in various management capacities at Compass United Maritime and
Primal Tankers Inc. From 2004 to 2009 he was our the Chief Operating Officer. After leaving us, Captain Stavros Emmanuel has
been an independent advisor to various shipping companies.

Paolo Javarone has served on our Board of Directors since September 1, 2014. Mr. Javarone is a member of the Italian
Shipbrokers Association. From 2015, Mr. Javarone has been working for Shipping 360 Ltd, a boutique shipbroking company with
offices in London and Monaco and before that he has been working since 2000 for Sernavimar S.R.L., one of the most reputable
shipbroking houses in Italy, which cooperates with many of the oil major companies and trading associations of the industry. From
1994 to 2000, Mr. Javarone worked for Genoa Sea Brokers in the tanker wing of the company specializing in clean petroleum
products and edible markets. Previously, Mr. Javarone worked for S.a.n.a. Eur, a company based in Rome Italy, where he was
tasked with supplying energy and offshore supply. Before S.a.n.a., Mr. Javarone worked for Sidermar di Navigazione S.P.A. in the
dry cargo field. Mr. Javarone holds a Shipbroker degree from National Agents Association Shipbroking School in Italy and a degree
in Shipping Economics and Law from Nautical Maritime School in Italy.

B.

Compensation

On September 1, 2010, we entered into separate agreements with Central Mare, pursuant to which Central Mare furnishes
our four executive officers as described below. During the fiscal year ended December 31, 2019, we paid to the members of our
senior management and to our director's aggregate compensation of $0.4 million. We do not have a retirement plan for our officers
or directors and we did not issue any stock options or other securities to them as part of compensation for the fiscal year ended
December 31, 2019.

Under the terms of the agreement for the provision of our Chief Executive Officer, we are obligated to pay annual base
salary. The initial term of the agreement expired on August 31, 2014 and is automatically extended for successive one-year terms
unless Central Mare or we provide notice of non-renewal at least sixty days prior to the expiration of the then applicable term.

If our Chief Executive Officer's employment is terminated without cause, he is entitled to certain personal and household
security costs. If he is removed from our Board of Directors or not re-elected, then his employment terminates automatically
without prejudice to Central Mare's rights to pursue damages for such termination. In the event of a change of control, the Chief
Executive Officer is entitled to receive a cash payment of ten million Euros. The agreement also contains death and disability
provisions. In addition, the Chief Executive Officer is subject to non-competition and non-solicitation undertakings.

Under the terms of the agreement for the provision of our Chief Operating Officer, we are obligated to pay annual base
salary and additional incentive compensation as determined by our Board of Directors. The initial term of the agreement expired on
August 31, 2011 and is automatically extended for successive one-year terms unless Central Mare or we provide notice of non-
renewal at least sixty days prior to the expiration of the then applicable term. In the event of a change of control, he is entitled to
receive a cash payment of three years' annual base salary. The agreement also contains death and disability provisions. In addition,
our Chief Operating Officer is subject to non-competition and non-solicitation undertakings.

Under the terms of the agreement for the provision of our Chief Financial Officer, we are obligated to pay annual base
salary. The initial term of the agreement expired on August 31, 2012, and is automatically extended for successive one-year terms
unless Central Mare or we provide notice of non-renewal at least sixty days prior to the expiration of the then applicable term.

If our Chief Financial Officer is removed from our Board of Directors or not re-elected, then his employment terminates
automatically without prejudice to Central Mare's rights to pursue damages for such termination. In the event of a change of control,
our Chief Financial Officer is entitled to receive a cash payment equal to three years' annual base salary. The agreement also
contains death and disability provisions. In addition, our Chief Financial Officer is subject to non-competition and non-solicitation
undertakings.

Under the terms of our agreement for the provision of our Chief Technical Officer, we are obligated to pay annual base
salary. The initial term of the agreement expired on August 31, 2011, however the agreement is being automatically extended for
successive one-year terms unless Central Mare or we provide notice of non-renewal at least sixty days prior to the expiration of the
then applicable term. In the event of a change of control, the Chief Technical Officer is entitled to receive a cash payment equal to
three   years'   annual   base   salary.   In   addition,   our   Chief   Technical   Officer   is   subject   to   non-competition   and   non-solicitation
undertakings.

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Equity Incentive Plan

On April 15, 2015, our Board of Directors adopted the 2015 Stock Incentive Plan, or the 2015 Plan, under which our
directors, officers, key employees as well as consultants and service providers may be granted non-qualified stock options, stock
appreciation rights, restricted stock, restricted stock units, dividend equivalents, unrestricted stock and other-equity based-related
awards. However due to the recent reverse stock splits the reserved number of common shares available for issuance has dropped
below one and the 2015 Plan is no longer available.

C.

Board Practices

Our   Board  of   Directors   is   divided   into  three  classes.   Members   of   our   Board   of   Directors  are   elected   annually   on   a
staggered basis, and each director elected holds office for a three-year term. We currently have two executive directors and three
independent non-executive directors. The term of our Class I directors, Stavros Emmanuel and Evangelos J. Pistiolis expires at the
annual general meeting of shareholders in 2020. The term of our Class II directors, Paolo Javarone and Konstantinos Karelas,
expires at the annual general meeting of shareholders in 2021. The term of our Class III director, Alexandros Tsirikos, expires at the
annual general meeting of shareholders in 2022.

Committees of our Board of Directors

We currently have an audit committee composed of three independent members, who are responsible for reviewing our
accounting controls and recommending to our Board of Directors, the engagement of our outside auditors. Konstantinos Karelas,
Paolo Javarone and Stavros Emmanuel (Chairman), whose biographical details are included in Item 6 of this Annual Report, are the
members of the audit committee, and our Board of Directors has determined that they are independent under the Nasdaq corporate
governance rules.

Our compensation committee and nominating and governance committees are currently composed of the following three
members: Konstantinos Karelas, Paolo Javarone and Stavros Emmanuel. The compensation committee carries out our Board of
Directors' responsibilities relating to compensation of our executive and non-executive officers and provides such other guidance
with respect to compensation matters as the committee deems appropriate. The nominating and governance committee assists our
Board of Directors in: (i) identifying, evaluating and making recommendations to our Board of Directors concerning individuals for
selections as director nominees for the next annual meeting of stockholders or to otherwise fill vacancies on our Board of Directors;
(ii) developing and recommending to our Board of Directors a set of corporate governance guidelines and principles applicable to
us; and (iii) reviewing our overall corporate governance and recommending improvements to our Board of Directors from time to
time.

As   a   foreign   private   issuer,   we   are   exempt   from   certain   Nasdaq   requirements   that   are   applicable   to   U.S.   domestic
companies. For a listing and further discussion of how our corporate governance practices differ from those required of U.S.
companies listed on Nasdaq, please see Item 16G of this Annual Report.

D.

Employees

We  have   only   one   direct   employee  while   our   four   executive   officers   and  a  number   of   administrative  employees  are
furnished to us pursuant to agreements with Central Mare, as described above. Our Fleet Manager ensures that all seamen have the
qualifications and licenses required to comply with international regulations and shipping conventions, and that our vessels employ
experienced and competent personnel. As of December 31, 2017, 2018 and 2019, we employed 154, 173 and 269 sea going
employees, indirectly through our sub-managers.

E.

Share Ownership

The common shares beneficially owned by our directors and senior managers and/or companies affiliated with these

individuals are disclosed in "Item 7. Major Shareholders and Related Party Transactions—A. Major Shareholders."

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ITEM 7.

MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS

A.

Major Shareholders

The following table sets forth the beneficial ownership of our common shares, as of April 10, 2020, held by: (i) each
person or entity that we know beneficially owns 5% or more of our common shares and (ii) all our executive officers, directors and
key  employees  as  a  group.  Beneficial  ownership is  determined  in  accordance with  the  SEC's  rules.  In  computing  percentage
ownership of each person, common shares subject to options held by that person that are currently exercisable or convertible, or
exercisable or convertible within 60 days are deemed to be beneficially owned by that person. These shares, however, are not
deemed outstanding for the purpose of computing the percentage ownership of any other person. All of the shareholders, including
the shareholders listed in this table, are entitled to one vote for each common share held.

Name and Address of Beneficial Owner(2)
Lax Trust (1)
Executive officers, directors and key employees
____________

Number of
Shares
Owned
17,274,140
-

Percent of
Class

12.8%
-%

(1)

(2)

The above information is derived, in part, from the Schedule 13D/A filed with the SEC on April 10, 2020. The Lax Trust is
an irrevocable trust established for the benefit of certain family members of Evangelos J. Pistiolis, our President, Chief
Executive Officer and Director. The business address of the Lax Trust is Level 3, 18 Stanley Street, Auckland 1010, New
Zealand. The above percentage ownership is based on 134,979,295 common shares outstanding, which is calculated for
this Schedule 13D/A purposes by taking the sum of (i) 117,705,155 common shares outstanding, and (ii) 17,274,140
common shares issuable upon the conversion of 10,364 Series E Preferred Shares held by Family Trading, all figures being
as of April 10, 2020. The Lax Trust may also be deemed to hold all of the 100,000 outstanding shares of our Series D
Preferred Stock.  Each Series D Preferred Share carries 1,000 votes.  By its ownership of 100% of our Series D Preferred
Shares, Lax Trust has control over our actions.

Morgan Stanley, Intracoastal Capital LLC, Hudson Bay Management LP and Sabby Management LLC each reported
holdings   of   1,685,555   shares,   900,000   shares,   965,076   shares,   799,212   shares,   respectively,   on   Schedule   13G   or
amendments to Schedule 13G during 2020.  Due to recent issuances and sales of our common shares, we no longer believe
these shareholders have at least a 5% interest in the Company based on the number of shares reported on each reporting
persons Schedule 13G or any amendments thereto.

As of April 10, 2020, we had one shareholder of record, which was located in the United States and held an aggregate of
117,705,155 our common shares, representing 100% of our outstanding common shares. However, the U.S. shareholder of record is
Cede & Co., which held our common shares. We believe that the shares held by Cede & Co. include common shares beneficially
owned by both holders in the United States and non-U.S. beneficial owners. We are not aware of any arrangements the operation of
which may at a subsequent date result in our change of control.

B.

Related Party Transactions

Please see "Item 18. Financial Statements—Note 5—Transactions with Related Parties."

(a) Central Mare– Executive Officers and Other Personnel Agreements

On September 1, 2010, we entered into separate agreements with Central Mare, a related party affiliated with the family of our
President, Chief Executive Officer and Director, Evangelos J. Pistiolis, pursuant to which Central Mare provides us with our
executive officers (Chief Executive Officer, Chief Financial Officer, Chief Technical Officer and Chief Operating Officer).

The fees charged by and expenses relating to Central Mare for the years ended December 31, 2017, 2018 and 2019 were $2.3

million, $2.3 million and $0.3 million, respectively.

(b) Central Shipping Monaco SAM ("CSM") – Letter Agreement and Management Agreements

On March 10, 2014, we entered into a letter agreement, or the Letter Agreement, with CSM, a related party affiliated with the
family of our President, Chief Executive Officer and Director, Evangelos J. Pistiolis, and on March 10, 2014 and June 18, 2014, we
entered   into   management   agreements,   or   the   Management   Agreements,   between   CSM   and   our   vessel-owning   subsidiaries,
respectively. The Letter Agreement could only be terminated subject to an eighteen-month advance notice, subject to a termination
fee equal to twelve months of fees payable under the Letter Agreement.

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Pursuant to the Letter Agreement, as well as the Management Agreements concluded between CSM and our vessel-owning
subsidiaries, we paid a technical management fee of $595 per day per vessel for the provision of technical, operation, insurance,
bunkering and crew management, commencing three months before the vessel was scheduled to be delivered by the shipyard and a
commercial management fee of $328 per day per vessel, commencing from the date the vessel was delivered from the shipyard. In
addition, the Management Agreements provided for payment to CSM of: (i) $541 per day for superintendent visits plus actual
expenses; (ii) a chartering commission of 1.25% on all freight, hire and demurrage revenues; (iii) a commission of 1.00% on all
gross vessel sale proceeds or the purchase price paid for vessels and (iv) a financing fee of 0.2% on derivative agreements and loan
financing or refinancing. CSM also performed supervision services for all of our newbuilding vessels while the vessels were under
construction, for which we paid CSM the actual cost of the supervision services plus a fee of 7% of such supervision services.

CSM provided, at cost, all accounting, reporting and administrative services. Finally, the Letter Agreement provided for a
performance   incentive   fee   for   the   provision   of   management   services   to   be   determined   at   our   discretion.   The   Management
Agreements had an initial term of five years, after which they would have continued to be in effect until terminated by either party
subject to an eighteen-month advance notice of termination. Pursuant to the terms of the Management Agreements, all fees payable
to CSM were adjusted annually according to the US Consumer Price Inflation ("CPI") of the previous year and if CPI is less than
2% than a 2% increase was effected.

On January 1, 2019, we terminated the letter agreement with CSM without incurring any penalties

The fees charged by and expenses relating to CSM for the years ended December 31, 2017 and 2018 were $5.6 million and
$8.9 million.  For the years ended December 31, 2017 and 2018, CSM charged us newbuilding supervision related pass-through
costs amounting to $0.5 million and $1.0 million respectively.

(c)  Central Shipping Inc ("CSI") – Letter Agreement and Management Agreements

On January 1, 2019, we entered into a letter agreement with CSI ("CSI Letter Agreement"), a related party affiliated with the
family   of   Evangelos   J.   Pistiolis   and   on   the   same   date   we   entered   into   management   agreements,   or   the   CSI   Management
Agreements, between CSI and our vessel-owning subsidiaries respectively. The CSI Letter Agreement can only be terminated
subject to an eighteen-month advance notice, subject to a termination fee equal to twelve months of fees payable under the CSI
Letter Agreement.

Pursuant to the CSI Letter Agreement, as well as the CSI Management Agreements concluded between CSI and our vessel-
owning subsidiaries, we pay a management fee of $550 per day per vessel for the provision of technical, commercial, operation,
insurance, bunkering and crew management, commencing three months before the vessel is scheduled to be delivered by the
shipyard. In addition, the CSI Management Agreements provide for payment to CSI of: (i) $500 per day for superintendent visits
plus actual expenses; (ii) a chartering commission of 1.25% on all freight, hire and demurrage revenues; (iii) a commission of
1.00% on all gross vessel sale proceeds or the purchase price paid for vessels and (iv) a financing fee of 0.2% on derivative
agreements and loan financing or refinancing. CSI also performs supervision services for all of our newbuilding vessels while the
vessels are under construction, for which we pay CSI the actual cost of the supervision services plus a fee of 7% of such supervision
services.

CSI provides, at cost, all accounting, reporting and administrative services. Finally, the CSI Letter Agreement provides for a
performance incentive fee for the provision of management services to be determined at our discretion. The CSI Management
Agreements have an initial term of five years, after which they will continue to be in effect until terminated by either party subject
to an eighteen-month advance notice of termination. Pursuant to the terms of the CSI Management Agreements, all fees payable to
CSI are adjusted annually according to the US Consumer Price Inflation ("CPI") of the previous year and if CPI is less than 2% than
a 2% increase is effected.

The fees charged by and expenses relating to CSI for the year ended December 31, 2019 was $4.1 million.  For the year ended

December 31, 2019, CSI also charged us newbuilding supervision related pass-through costs amounting to $1.0 million.

(d) Family Trading Inc. ("Family Trading") - Revolving Credit Facility and Assumption of Liabilities

As of the date of issuance of this report there have been various amendments and addendums to the Family Trading credit
facility, or the Further Amended Family Trading Credit Facility. As of December 31, 2018, the interest and fees due to Family
Trading were $1.8 million.

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(e) Issuance of Series E Preferred Shares to Family Trading Inc ("Family Trading")

On March 29, 2019 we entered into a stock purchase agreement with Family Trading pursuant to which we exchanged the
outstanding principal, fees and interest of the Further Amended Family Trading Credit Facility with 27,129 Series E Preferred
Shares. As of December 31, 2019, pursuant to the terms of the Series E Preferred Shares we owed $1.6 million of dividends to
Family Trading.  For more information about Series E Preferred Shares please see section entitled "Description of share capital".

From July 25, 2019 to April 10, 2020, we redeemed 33,798 of Series E Preferred Shares for $38.9 million.

On February 17, 2020, we announced the issuance of 16,004 Series E Preferred Shares to Family Trading, as settlement of the
consideration outstanding for the purchase of the M/T Eco City of Angels and M/T Eco Los Angeles from Mr. Pistiolis, our
President, Chief Executive Officer and Director, and for dividends payable to Family Trading Inc. under already outstanding Series
E Preferred Shares.

(f) Vessel Acquisitions from affiliated entities

From February 20 to November 24, 2017, we entered into a series of transactions with a number of entities affiliated with
Evangelos J. Pistiolis that led to the purchase of M/T Eco Palm Desert and M/T Eco California, 90% interest in M/T Stenaweco
Elegance and 50% interests in M/T Eco Holmby Hills and M/T Eco Palm Springs. On January 31, 2018, we entered into a series of
transactions with a number of entities affiliated with Evangelos J. Pistiolis that led to the purchase of the construction contracts of
M/T Eco Marina Del Ray, M/T Eco Bel Air, M/T Eco Beverly Hills and 10% interest in M/T Stenaweco Elegance.  On December
18, 2019, we entered into a series of transactions with two entities affiliated with Evangelos J. Pistiolis that led to the purchase of
the newbuilding vessels, M/T Eco Los Angeles and M/T Eco City of Angels. As of December 31, 2019, we owe $14.3 million to
the previous owners of the newbuilding vessels.

(g) Charter Party with Central Tankers Chartering Inc ("Central Tankers Chartering")

On September 1, 2017, we entered into a time charter party with Central Tankers Chartering, a related party affiliated with
the family of Evangelos J. Pistiolis, for the vessel M/T Eco Palm Desert delivered from Hyundai in September 2018.  The time
charter was for a firm period of three years at a daily rate of $14,750 per day with two optional years at daily rates of $15,250 and
$15,750, respectively, at Central Tankers Chartering's option.  The time charter carried a 1.25% address commission payable to
Central Tankers Chartering.  Total revenue backlog from this time charter for the firm period was $15.9 million, assuming no off-
hire days. As of December 31, 2018 the amounts due from Central Tankers Chartering were $0.1 million. In April 2019, we
terminated the time charter party with Central Tankers Chartering without incurring any penalties and entered into a time charter
agreement with Shell Tankers Singapore Private Limited until September 2020.  The time charter with Shell consists of a fixed
amount per day plus a 50% profit share for earned rates over the fixed amount.

C.

Interests of Experts and Counsel

Not applicable.

ITEM 8.

FINANCIAL INFORMATION.

A.

Consolidated Statements and Other Financial Information

See "Item 18—Financial Statements."

Legal Proceedings

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.

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On August 1, 2017, we received a subpoena from the U.S. Securities and Exchange Commission ("SEC") requesting
certain documents and information in connection with offerings we made between February 2017 and August 2017. We provided
the requested information to the SEC in response to that subpoena. On September 26, 2018 and on October 5, 2018 we received two
additional subpoenas from the SEC requesting certain documents and information in connection with the previous subpoena we
received   on   August   1,   2017.   We   provided   the   requested   information   to   the   SEC   in   response   to   these   subpoenas.   The   SEC
investigation is ongoing and we continue to cooperate with the SEC in its investigation. We are unable to predict what action, if any,
might be taken by the SEC or its staff as a result of this investigation or what impact, if any, the cost of responding to the SEC's
investigation or its ultimate outcome might have on our financial position, results of operations or liquidity.

On August 23, 2017, a purported securities class action complaint was filed in the United States District Court for the
Eastern District of New York (No. 2:17-cv-04987(JFB)(SIL)) by Christopher Brady on behalf of himself and all others similarly
situated against (among other defendants) us and two of our executive officers. The complaint is brought on behalf of an alleged
class of those who purchased our common stock between January 17, 2017 and August 22, 2017, and alleges that we and two of our
executive officers violated Sections 9, 10(b) and/or 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated
thereunder. On August 24, 2017, a second purported securities class action complaint was filed in the same court against the same
defendants (No. 2:17-cv-05016 (JFB)(SIL)) which makes similar allegations and purports to allege violations of Sections 10(b) and
20(a) of the Exchange Act and Rule 10b-5 promulgated thereunder. By order dated July 20, 2018, the court consolidated the two
actions under docket no. 2:17-cv-04987 and appointed lead plaintiffs for the consolidated action. On September 18, 2018, the
plaintiffs filed a consolidated amended complaint. The amended complaint purports to be brought on behalf of shareholders who
purchased our common stock between November 23, 2016 and April 3, 2018, makes allegations similar to those made in the
original complaints, seeks similar relief as the original actions, and alleges that some or all the defendants violated sections 9, 10(b),
20(a), and/or 20A of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder. All defendants filed motions to
dismiss the amended complaint on March 25, 2019. Plaintiffs filed a consolidated opposition to defendants' motions to dismiss on
May 24, 2019.  Defendants filed replies in further support of the motions to dismiss on June 28, 2019.  In a Memorandum Decision
and Order dated August 3, 2019, the Court granted defendants' motions to dismiss under Rule 12(b)(6) and denied Plaintiffs' request
for leave to amend. On August 7, 2019, the Court entered judgment dismissing the case. Plaintiffs filed a notice of appeal on
August 26, 2019. Plaintiffs/appellants filed their opening brief on the appeal on October 25, 2019.  Defendants/appellees filed their
response briefs on November 26 and November 27, 2019, and plaintiffs/appellants filed their reply brief on December 11, 2019. 
The Court of Appeals held oral argument on March 10, 2020 and took the matter under advisement. On April 2, 2020, the Court of
Appeals issued a summary order affirming the District Court's decision dismissing Plaintiffs' claims and denying leave to amend.
The Court of Appeals is scheduled to issue a mandate making the decision effective on April 23, 2020 if Plaintiffs do not file a
motion for reargument.  We and our management believe that the allegations in the complaints are without merit and we plan to
vigorously defend ourselves against the allegations.

By letter dated January 2, 2019, certain co-defendants in the class action litigation (Kalani Investments Ltd. ("Kalani"),
Murchinson Ltd. and Marc Bistricer) requested that we indemnify and hold them harmless against all losses, including reasonable
costs of defense, arising from the litigation, pursuant to the provisions of the Common Stock Purchase Agreement between us and
Kalani. We acknowledged receipt of this indemnification request by letter dated February 20, 2019, and reserve all of our rights.

Dividend Distribution Policy

The   declaration   and  payment   of   any   future   special   dividends   shall   remain   subject   to   the   discretion   of   our  Board   of
Directors   and   shall   be   based   on   general   market   and   other   conditions   including   our   earnings,   financial   strength   and   cash
requirements and availability. Further, until the AT Bank Bridge Facility was fully prepaid in March 2020 we couldn't pay any cash
dividends to any class of our common shares.

B.

Significant Changes

All significant changes have been included in the relevant sections.

ITEM 9.

THE OFFER AND LISTING.

Not applicable except for Item 9.A.4. and Item 9.C.

Share History and Markets

Since July 23, 2004, the primary trading market for our common shares has been Nasdaq on which our shares are now

listed under the symbol "TOPS."

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ITEM 10.

ADDITIONAL INFORMATION

A.

Share Capital

Not applicable.

B.

Memorandum and Articles of Association

Purpose

Our purpose is to engage in any lawful act or activity for which corporations may now or hereafter be organized under the
Marshall Islands Business Corporations Act, or BCA. Our Third Amended and Restated Articles of Incorporation and Amended
and Restated By-Laws, as further amended, do not impose any limitations on the ownership rights of our shareholders.

Authorized Capitalization

Our authorized capital stock consists of 1,000,000,000 common shares, par value $0.01 per share, of which  117,705,155 
shares were issued and outstanding as of April 10, 2020 and 20,000,000 preferred shares with par value of $0.01 and 100,000 Series
D Preferred Shares and 10,364 Series E Preferred Shares are issued and outstanding as of April 10, 2020. Our Board of Directors
has the authority to establish such series of preferred stock and with such designations, preferences and relative, participating,
optional or special rights and qualifications, limitations or restrictions as shall be stated in the resolution or resolutions providing for
the issue of such preferred stock.

On September 14, 2016, we declared a dividend of one preferred share purchase right for each outstanding common share
and adopted a shareholder rights plan, as set forth in a Stockholders Rights Agreement dated as of September 22, 2016, by and
between us and Computershare Trust Company, N.A., as rights agent (now taken over by our new transfer agent, AST), described
below under the section entitled "—Stockholders Rights Agreement". In connection with the Stockholders Rights Agreement, we
designated 1,000,000 shares as Series A Participating Preferred Stock, none of which are outstanding as of the date of this annual
report.

Description of Common Shares

Each outstanding common share entitles the holder to one vote on all matters submitted to a vote of shareholders. Subject
to preferences that may be applicable to any outstanding preferred shares, holders of common shares are entitled to receive ratably
all dividends, if any, declared by our Board of Directors out of funds legally available for dividends. Upon our dissolution or
liquidation or the sale of all or substantially all of our assets, after payment in full of all amounts required to be paid to creditors and
to the holders of our preferred shares having liquidation preferences, if any, the holders of our common shares will be entitled to
receive pro rata our remaining assets available for distribution. Holders of our common shares do not have conversion, redemption
or preemptive rights to subscribe to any of our securities. The rights, preferences and privileges of holders of our common shares
are subject to the rights of the holders of any preferred shares that we may issue in the future.

Description of Preferred Shares

Our Third Amended and Restated Articles of Incorporation authorize our Board of Directors to establish one or more
series of preferred shares and to determine, with respect to any series of preferred shares, the terms and rights of that series,
including the designation of the series, the number of shares of the series, the preferences and relative, participating, option or other
special rights, if any, and any qualifications, limitations or restrictions of such series, and the voting rights, if any, of the holders of
the series.

Description of Series B Convertible Preferred Shares

On November 22, 2016, we completed a private placement of up to 3,160 Series B Convertible Preferred Shares for an
aggregate principal amount of up to $3.0 million. The investor purchased 1,579 Series B Convertible Preferred Shares at the initial
closing of the Transaction and 527 Series B Convertible Preferred Shares on November 28, 2016 for a total of $2.0 million. The
investor waived the right to purchase any additional Series B Preferred Shares. The description of the Series B Preferred Shares is
incorporated by reference from our registration statement on Form F-3 (333-215577). The description of the Series B Convertible
Preferred   Shares   is   subject   to   and   qualified   in   its   entirety   by   reference   to   the   Securities   Purchase   Agreement,   Certificate   of
Designation of the Series B Convertible Preferred Shares and Registration Rights Agreement entered into in connection with the
private placement. Copies of the Securities Purchase Agreement, Certificate of Designation of the Series B Convertible Preferred
Shares and Registration Rights Agreement have been filed as exhibits to our Report on Form 6-K filed with the Commission on
November 23, 2016. The waiver agreement was filed as an exhibit to our Report on Form 6-K filed with the Commission on
January 10, 2017. We issued 901 common shares in connection with the conversions of all of our Series B Convertible Preferred
Shares, and there are currently no Series B Convertible Preferred Shares outstanding. Convertible Preferred Shares, and there are
currently no Series B Convertible Preferred Shares outstanding.

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Description of Series C Convertible Preferred Shares

On February 17, 2017, we closed a private placement with a non-U.S. institutional investor for the sale of 7,500 newly
issued   Series   C   Convertible   Preferred  Shares,   which   are   convertible   into   our   common   shares,   for   $7.5   million   pursuant   to   a
securities purchase agreement, or the Series C Transaction.  The description of the Series C Preferred Shares is incorporated by
reference from our registration statement on Form F-3 (333-215577). The description of the Series C Convertible Preferred Shares
is   subject   to   and   qualified   in   its   entirety   by   reference   to   the   Securities   Purchase   Agreement   and   Statement   of   Designations,
Preferences and Rights of the Series C Convertible Preferred Shares entered into in connection with the private placement. Copies
of the Securities Purchase Agreement and Statement of Designations, Preferences and Rights of the Series C Convertible Preferred
Shares have been filed as exhibits to our Report on Form 6-K filed with the Commission on February 21, 2017. We issued 45,232
common shares in connection with the conversions of all our Series C Convertible Preferred Shares, and there are currently no
Series C Convertible Preferred Shares outstanding.

Description of Series D Preferred Shares

On May 8, 2017, we issued 100,000 shares of Series D Preferred Shares to Tankers Family Inc., a company controlled by
Lax Trust, which is an irrevocable trust established for the benefit of certain family members of Evangelos Pistiolis, for $1,000
pursuant to a stock purchase agreement. Each Series D Preferred Share has the voting power of one thousand (1,000) common
shares.

On April 21, 2017, we were informed by ABN Amro Bank that we were in breach of a loan covenant that requires that any
member   of   the   family   of   Mr.   Evangelos   Pistiolis,   maintain   an   ownership   interest   (either   directly   and/or   indirectly   through
companies beneficially owned by any member of the Pistiolis family and/or trusts or foundations of which any member of the
Pistiolis family are beneficiaries) of 30% of our outstanding Common Shares. ABN Amro Bank requested that either the family of
Mr. Evangelos Pistiolis maintain an ownership interest of at least 30% of the outstanding common shares or maintain a voting rights
interest of above 50% in us. In order to regain compliance with the loan covenant, we issued the Series D Preferred Shares.

The Series D Preferred Stock has the following characteristics:

Conversion. The Series D Preferred Shares are not convertible into common shares.

Voting. Each Series D Preferred Share has the voting power of 1,000 common shares.

Distributions. The Series D Preferred Shares shall have no dividend or distribution rights.

Maturity.  The Series D Preferred Shares shall expire and all outstanding Series D shares shall be redeemed by us for par
value on the date that any loan with any financial institution, which requires that any member of the family of Mr. Evangelos J.
Pistiolis maintains a specific minimum ownership or voting interest (either directly and/or indirectly through companies or other
entities beneficially owned by any member of the Pistiolis family and/or trusts or foundations of which any member of the Pistiolis
family are beneficiaries) of our issued and outstanding common shares, respectively, are fully repaid or reach their maturity date.
The Series D Preferred Shares shall not be otherwise redeemable. Currently the SLBs with Bank of Communications Financial
Leasing   Company,   Oriental   Fleet   International   Company   Limited   and   China   Merchants   Bank   Financial   Leasing   have   similar
provisions that are satisfied via the existence of the Series D Shares.

Liquidation, Dissolution or Winding Up. Upon any liquidation, dissolution or winding up of our Company, the Series D

Preferred Shares shall have a liquidation preference of $0.01 per share.

The description of the Series D Convertible Preferred Shares is subject to and qualified in its entirety by reference to the
Securities Purchase Agreement and Certificate of Designation of the Series D Preferred Shares. Copies of the Securities Purchase
Agreement and Certificate of Designation of the Series D Preferred Shares have been filed as exhibits to our Report on Form 6-K
filed with the Commission on May 8, 2017.

Description of Series E Convertible Preferred Stock

On April 1, 2019, we announced the sale of 27,129 newly issued Series E Preferred Shares at a price of $1,000 per share to
Family Trading in exchange for the full and final settlement of the loan facility between our Company and Family Trading dated
December 23, 2015, as amended.

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From July 25 to April 10, 2020, we redeemed 33,798 of Series E Preferred Shares for $38.9 million. On February 17, 2020
we issued 16,004 Series E Preferred Shares to Family Trading Inc., as settlement of the consideration outstanding for the purchase
of the M/T Eco City of Angels and M/T Eco Los Angeles from parties affiliated with Mr. Pistiolis, and for dividends payable to
Family Trading Inc. under already outstanding Series E Preferred Shares.

As of April 10, 2020, there were 10,364 shares of Series E Preferred Shares outstanding.

The Series E Preferred Shares have the following characteristics:

Conversion. Each holder of Series E Preferred Shares, at any time and from time to time, has the right, subject to certain
conditions, to convert all or any portion of the Series E Preferred Shares then held by such holder into our common shares at the
conversion rate then in effect. Each Series E Preferred Shares is convertible into the number of our common shares equal to the
quotient of $1,000 plus any accrued and unpaid dividends divided by the lesser of the following four prices: (i) $20.00, (ii) 80% of
the lowest daily VWAP of our common shares over the twenty consecutive trading days expiring on the trading day immediately
prior to the date of delivery of a conversion notice, (iii) the conversion price or exercise price per share of any of our then
outstanding convertible shares or warrants, (iv) the lowest issuance price of our common shares in any transaction from the date of
the issuance the Series E Preferred Shares onwards, but in no event will the conversion price be less than $0.60.

Limitations of Conversion. Holders of the shares of Series E Preferred Shares shall be entitled to convert the Series E

Preferred Shares in full, regardless of the beneficial ownership percentage of the holder after giving effect to such conversion.

Voting.  The holders of Series E Preferred Shares are entitled to the voting power of one thousand (1,000) of our common
shares.  The holders of Series E Preferred Shares and the holders of our common shares shall vote together as one class on all
matters submitted to a vote of our shareholders. The holders of Series E Preferred Shares have no special voting rights and their
consent shall not be required for taking any corporate action.

Distributions. Upon any liquidation, dissolution or winding up of our Company, the holders of Series E Preferred Shares

shall be entitled to receive the net assets of our Company pari passu with the Common Shares.

Redemption.  We at our option shall have the right to redeem a portion or all of the outstanding Series E Preferred Shares.
We shall pay an amount equal to one thousand dollars ($1,000) per each Series E Preferred Shares, or the Liquidation Amount, plus
a redemption premium equal to fifteen percent (15%) of the Liquidation Amount being redeemed if that redemption takes place up
to and including March 29, 2020 and twenty percent (20%) of the Liquidation Amount being redeemed if that redemption takes
place after March 29, 2020, plus an amount equal to any accrued and unpaid dividends on such Preferred Shares (collectively
referred to as the "Redemption Amount"). In order to make a redemption, we shall first provide one business day advanced written
notice to the holders of our intention to make a redemption, or the Redemption Notice, setting forth the amount it desires to redeem.
After receipt of the Redemption Notice, the holders shall have the right to elect to convert all or any portion of its Series E Preferred
Shares. Upon the expiration of the one business day period, we shall deliver to each holder the Redemption Amount with respect to
the amount redeemed after giving effect to conversions effected during the notice period.

The Series E Preferred Shares shall not be subject to redemption in cash at the option of the holders thereof under any

circumstance.

Dividends. The holders of outstanding Series E Preferred Shares shall be entitled to receive out of funds legally available
for the purpose, semi-annual dividends payable in cash on the last day of June and December in each year (each such date being
referred to herein as a "Semi Annual Dividend Payment Date"), commencing on the first Semi Annual Dividend Payment Date in
an amount per share (rounded to the nearest cent) equal to fifteen percent (15%) per year of the liquidation amount of the then
outstanding Series E Preferred Shares computed on the basis of a 365-day year and the actual days elapsed.

Accrued but unpaid dividends shall bear interest at fifteen percent (15%). Dividends paid on the Series E Preferred Shares
in an amount less than the total amount of such dividends at the time accrued and payable on such shares shall be allocated pro rata
on a share-by-share basis among all such shares at the time outstanding. Our Board of Directors may fix a record date for the
determination of holders of Series E Preferred Shares entitled to receive payment of a dividend or distribution declared thereon,
which record date shall be no more than 30 days prior to the date fixed for the payment thereof.

Ranking. All shares of Series E Preferred Shares shall rank pari passu with all classes of our common shares.

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The description of the Series E Preferred Shares is subject to and qualified in its entirety by reference to the Securities
Purchase Agreement and Certificate of Designation of the Series E Preferred Shares. Copies of the Securities Purchase Agreement
and Statement of Designation of the Series E Preferred Shares have been filed as exhibits to our Report on Form 6-K filed with the
Commission on April 1, 2019.

History

Our predecessor, Ocean Holdings Inc., was formed as a corporation in January 2000 under the laws of the Republic of the
Marshall Islands and renamed Top Tankers Inc. in May 2004. In December 2007, Top Tankers Inc. was renamed TOP Ships Inc.
Our common shares are currently listed on Nasdaq under the symbol "TOPS."

Shareholder Meetings

Under our Amended and Restated By-Laws, annual shareholder meetings will be held at a time and place selected by our
Board of Directors. The meetings may be held in or outside of the Marshall Islands. Special meetings of the shareholders, unless
otherwise prescribed by law, may be called for any purpose or purposes at any time exclusively by our Board of Directors. Notice
of every annual and special meeting of shareholders shall be given at least 15 but not more than 60 days before such meeting to
each shareholder of record entitled to vote thereat.

Directors

Our directors are elected by a plurality of the votes cast at a meeting of the shareholders by the holders of shares entitled to
vote in the election. Our Third Amended and Restated Articles of Incorporation and Amended and Restated By-laws, as further
amended, prohibit cumulative voting in the election of directors.

Our Board of Directors must consist of at least one member and not more than twelve, as fixed from time to time by the
vote of not less than 66 2/3% of the entire board. Each director shall be elected to serve until the third succeeding annual meeting of
shareholders and until his successor shall have been duly elected and qualified, except in the event of his death, resignation,
removal, or the earlier termination of his term of office. Our Board of Directors has the authority to fix the amounts which shall be
payable to the members of our Board of Directors, and to members of any committee, for attendance at any meeting or for services
rendered to us.

Classified Board

Our Amended and Restated Articles of Incorporation provide for the division of our Board of Directors into three classes
of directors, with each class as nearly equal in number as possible, serving staggered, three-year terms. Approximately one-third of
our Board of Directors will be elected each year. This classified board provision could discourage a third party from making a
tender offer for our shares or attempting to obtain control of our company. 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 two years.

Election and Removal

Our Third Amended and Restated Articles of Incorporation and Amended and Restated By-Laws require parties other than
our Board of Directors to give advance written notice of nominations for the election of directors. Our Third Amended and Restated
Articles of Incorporation provide that our directors may be removed only for cause and only upon the affirmative vote of the
holders of at least 80% of the outstanding shares of our capital stock entitled to vote for those directors. These provisions may
discourage, delay or prevent the removal of incumbent officers and directors.

Dissenters' Rights of Appraisal and Payment

Under the BCA, our shareholders have the right to dissent from various corporate actions, including certain mergers or
consolidations or sales of all or substantially all of our assets not made in the usual course of our business, and receive payment of
the fair value of their shares, subject to exceptions. For example, the right of a dissenting shareholder to receive payment of the fair
value of his shares is not available if for the shares of any class or series of shares, which shares at the record date fixed to
determine the shareholders entitled to receive notice of and vote at the meeting of shareholders to act upon the agreement of merger
or consolidation, were either (1) listed on a securities exchange or admitted for trading on an interdealer quotation system or (2)
held of record by more than 2,000 holders. In the event of any further amendment of the articles, a shareholder also has the right to
dissent and receive payment for his or her shares if the amendment alters certain rights in respect of those shares. The dissenting
shareholder   must   follow   the   procedures   set   forth   in   the   BCA   to   receive   payment.   In   the   event   that   we   and   any   dissenting
shareholder fail to agree on a price for the shares, the BCA procedures involve, among other things, the institution of proceedings in
the High Court of the Republic of the Marshall Islands or in any appropriate court in any jurisdiction in which our shares are
primarily traded on a local or national securities exchange. The value of the shares of the dissenting shareholder is fixed by the
court after reference, if the court so elects, to the recommendations of a court-appointed appraiser.

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Shareholders' Derivative Actions

Under the BCA, any of our shareholders may bring an action in our name to procure a judgment in our favor, also known
as a derivative action, provided that the shareholder bringing the action is a holder of common shares both at the time the derivative
action is commenced and at the time of the transaction to which the action relates. On November 20, 2014, we amended our
Amended and Restated By-Laws to provide that unless we consent in writing to the selection of alternative forum, the sole and
exclusive forum for (i) any shareholders' derivative action or proceeding brought on behalf of us, (ii) any action asserting a claim of
breach of a fiduciary duty owed by any director, officer or other of our employees or our shareholders, (iii) any action asserting a
claim arising pursuant to any provision of the BCA, or (iv) any action asserting a claim governed by the internal affairs doctrine
shall be the High Court of the Republic of the Marshall Islands, in all cases subject to the court's having personal jurisdiction over
the indispensable parties named as defendants. This provision of our By-Laws does not apply to actions arising under U.S. federal
securities laws.

Anti-takeover Provisions of our Charter Documents

Several provisions of our Third Amended and Restated Articles of Incorporation and Amended and Restated By-Laws
may have anti-takeover effects. These provisions are intended to avoid costly takeover battles, lessen our vulnerability to a hostile
change   of   control   and   enhance   the   ability   of   our   Board   of   Directors   to   maximize   shareholder   value   in   connection   with   any
unsolicited offer to acquire us. However, these anti-takeover provisions, which are summarized below, could also discourage, delay
or prevent (1) the merger or acquisition of our company by means of a tender offer, a proxy contest or otherwise, that a shareholder
may consider in its best interest and (2) the removal of incumbent officers and directors.

Business Combinations

Our Third Amended and Restated Articles of Incorporation include provisions which prohibit us from engaging in a
business combination with an interested shareholder for a period of three years after the date of the transaction in which the person
became an interested shareholder, unless:

•

•

•

•

prior to the date of the transaction that resulted in the shareholder becoming an interested shareholder, the Board
approved either the business combination or the transaction that resulted in the shareholder becoming an interested
shareholder;

upon consummation of the transaction that resulted in the shareholder becoming an interested shareholder, the
interested shareholder owned at least 85% of the voting stock of the corporation outstanding at the time the
transaction commenced;

at or subsequent to the date of the transaction that resulted in the shareholder becoming an interested shareholder, the
business combination is approved by the Board and authorized at an annual or special meeting of shareholders by
the affirmative vote of at least 66 2/3% of the outstanding voting stock that is not owned by the interested
shareholder; and

the shareholder became an interested shareholder prior to the consummation of the initial public offering.

Limited Actions by Shareholders

Our Third Amended and Restated Articles of Incorporation and our Amended and Restated By-Laws provide that any
action required or permitted to be taken by our shareholders must be effected at an annual or special meeting of shareholders or by
the unanimous written consent of our shareholders.

Our Third Amended and Restated Articles of Incorporation and our Amended and Restated By-Laws provide that only our
Board of Directors may call special meetings of our shareholders and the business transacted at the special meeting is limited to the
purposes   stated   in   the   notice.   Accordingly,   a   shareholder   may   be   prevented   from   calling   a   special   meeting   for   shareholder
consideration of a proposal over the opposition of our Board of Directors and shareholder consideration of a proposal may be
delayed until the next annual meeting.

Blank Check Preferred Stock

Under the terms of our Third Amended and Restated Articles of Incorporation, our Board of Directors has authority,
without any further vote or action by our shareholders, to issue up to 20,000,000 shares of blank check preferred stock. Our Board
of Directors may issue shares of preferred stock on terms calculated to discourage, delay or prevent a change of control of our
company or the removal of our management.

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Super-majority Required for Certain Amendments to Our By-Laws

On February 28, 2007, we amended our by-laws to require that amendments to certain provisions of our by-laws may be
made when approved by a vote of not less than 66 2/3% of the entire Board of Directors. These provisions that require not less than
66 2/3% vote of our Board of Directors to be amended are provisions governing: the nature of business to be transacted at our
annual meetings of shareholders, the calling of special meetings by our Board of Directors, any amendment to change the number
of directors constituting our Board of Directors, the method by which our Board of Directors is elected, the nomination procedures
of our Board of Directors, removal of our Board of Directors and the filling of vacancies on our Board of Directors.

Stockholders Rights Agreement

On September 14, 2016, our Board of Directors declared a dividend of one preferred share purchase right, or a Right, for
each outstanding common share and adopted a shareholder rights plan, as set forth in the Stockholders Rights Agreement dated as
of September 22, 2016, or the Rights Agreement, by and between us and Computershare Trust Company, N.A. (now taken over by
our new transfer agent, AST), as rights agent.

The Board adopted the Rights Agreement to protect shareholders from coercive or otherwise unfair takeover tactics. In
general terms, it works by imposing a significant penalty upon any person or group that acquires 15% or more of our outstanding
common shares without the approval of our Board of Directors. If a shareholder's beneficial ownership of our common shares as of
the time of the public announcement of the rights plan and associated dividend declaration is at or above the applicable threshold,
that shareholder's then-existing ownership percentage would be grandfathered, but the rights would become exercisable if at any
time after such announcement, the shareholder increases its ownership percentage by 1% or more.

The Rights may have anti-takeover effects. The Rights will cause substantial dilution to any person or group that attempts
to acquire us without the approval of our Board of Directors. As a result, the overall effect of the Rights may be to render more
difficult or discourage any attempt to acquire us. Because our Board of Directors can approve a redemption of the Rights for a
permitted offer, the Rights should not interfere with a merger or other business combination approved by our Board.

For those interested in the specific terms of the Rights Agreement, we provide the following summary description. Please
note, however, that this description is only a summary, and is not complete, and should be read together with the entire Rights
Agreement, which is an exhibit to the Form 8-A filed by us on September 22, 2016 and incorporated herein by reference. The
foregoing description of the Rights Agreement is qualified in its entirety by reference to such exhibit.

The Rights. The Rights trade with, and are inseparable from, our common shares. The Rights are evidenced only by
certificates that represent our common shares. New Rights will accompany any new of our common shares issued after October 5,
2016 until the Distribution Date described below.

Exercise Price. Each Right allows its holder to purchase from us one one-thousandth of a share of Series A Participating
Preferred Stock, or a Series A Preferred Share, for $50.00, or the Exercise Price, once the Rights become exercisable. This portion
of a Series A Preferred Share will give the shareholder approximately the same dividend, voting and liquidation rights as would one
common share. Prior to exercise, the Right does not give its holder any dividend, voting, or liquidation rights.

Exercisability. The Rights are not exercisable until ten days after the public announcement that a person or group has

become an "Acquiring Person" by obtaining beneficial ownership of 15% or more of our outstanding common shares.

Certain synthetic interests in securities created by derivative positions—whether or not such interests are considered to be
ownership of the underlying common shares or are reportable for purposes of Regulation 13D of the Exchange Act—are treated as
beneficial ownership of the number of our common shares equivalent to the economic exposure created by the derivative position,
to the extent our actual common shares are directly or indirectly held by counterparties to the derivatives contracts. Swaps dealers
unassociated with any control intent or intent to evade the purposes of the Rights Agreement are excepted from such imputed
beneficial ownership.

For persons who, prior to the time of public announcement of the Rights Agreement, beneficially own 15% or more of our
outstanding common shares, the Rights Agreement "grandfathers" their current level of ownership, so long as they do not purchase
additional shares in excess of certain limitations.

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The date when the Rights become exercisable is the "Distribution Date." Until that date, our common share certificates (or,
in the case of uncertificated shares, by notations in the book-entry account system) will also evidence the Rights, and any transfer of
our common shares will constitute a transfer of Rights. After that date, the Rights will separate from our common shares and will be
evidenced by book-entry credits or by Rights certificates that we will mail to all eligible holders of our common shares. Any Rights
held by an Acquiring Person are null and void and may not be exercised.

Series A Preferred Share Provisions

Each one one-thousandth of a Series A Preferred Share, if issued, will, among other things:

•

•

•

not be redeemable;

entitle holders to quarterly dividend payments in an amount per share equal to the aggregate per share amount of all
cash dividends, and the aggregate per share amount (payable in kind) of all non-cash dividends or other distributions
other than a dividend payable in our common shares or a subdivision of the our outstanding common shares (by
reclassification or otherwise), declared on our common shares since the immediately preceding quarterly dividend
payment date; and

entitle holders to one vote on all matters submitted to a vote of our shareholders.

The value of one one-thousandth interest in a Series A Preferred Share should approximate the value of one common share.

Consequences of a Person or Group Becoming an Acquiring Person.

•

Flip In.  If an Acquiring Person obtains beneficial ownership of 15% or more of our common shares, then each
Right will entitle the holder thereof to purchase, for the Exercise Price, a number of our common shares (or, in
certain circumstances, cash, property or other of our securities) having a then-current market value of twice the
Exercise Price. However, the Rights are not exercisable following the occurrence of the foregoing event until such
time as the Rights are no longer redeemable by us, as further described below.

Following the occurrence of an event set forth in preceding paragraph, all Rights that are or, under certain circumstances
specified in the Rights Agreement, were beneficially owned by an Acquiring Person or certain of its transferees will be null and
void.

•

•

Flip Over. If, after an Acquiring Person obtains 15% or more of our common shares, (i) we merge into another
entity; (ii) an acquiring entity merges into us; or (iii) we sell or transfer 50% or more of its assets, cash flow or
earning power, then each Right (except for Rights that have previously been voided as set forth above) will entitle
the holder thereof to purchase, for the Exercise Price, a number of our common shares of the person engaging in the
transaction having a then-current market value of twice the Exercise Price.

Notional Shares. Shares held by affiliates and associates of an Acquiring Person, including certain entities in which
the Acquiring Person beneficially owns a majority of the equity securities, and Notional Common Shares (as defined
in the Rights Agreement) held by counterparties to a Derivatives Contract (as defined in the Rights Agreement) with
an Acquiring Person, will be deemed to be beneficially owned by the Acquiring Person.

Redemption. Our Board of Directors may redeem the Rights for $0.01 per Right at any time before any person or group
becomes an Acquiring Person. If our Board of Directors redeems any Rights, it must redeem all of the Rights. Once the Rights are
redeemed, the only right of the holders of the Rights will be to receive the redemption price of $0.01 per Right. The redemption
price will be adjusted if we have a stock dividend or a stock split.

Exchange. After a person or group becomes an Acquiring Person, but before an Acquiring Person owns 50% or more of
our outstanding common shares, the Board may extinguish the Rights by exchanging one common share or an equivalent security
for each Right, other than Rights held by the Acquiring Person. In certain circumstances, we may elect to exchange the Rights for
cash or other of our securities having a value approximately equal to one common share.

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Expiration. The Rights expire on the earliest of (i) September 22, 2026; or (ii) the redemption or exchange of the Rights as

described above.

Anti-Dilution Provisions. The Board may adjust the purchase price of the Series A Preferred Shares, the number of Series
A Preferred Shares issuable and the number of outstanding Rights to prevent dilution that may occur from a stock dividend, a stock
split, or a reclassification of the Series A Preferred Shares or our common shares. No adjustments to the Exercise Price of less than
1% will be made.

Amendments. The terms of the Rights and the Rights Agreement may be amended in any respect without the consent of the
holders of the Rights on or prior to the Distribution Date. Thereafter, the terms of the Rights and the Rights Agreement may be
amended without the consent of the holders of Rights, with certain exceptions, in order to (i) cure any ambiguities; (ii) correct or
supplement any provision contained in the Rights Agreement that may be defective or inconsistent with any other provision therein;
(iii) shorten or lengthen any time period pursuant to the Rights Agreement; or (iv) make changes that do not adversely affect the
interests of holders of the Rights (other than an Acquiring Person or an affiliate or associate of an Acquiring Person).

Taxes. The distribution of Rights should not be taxable for federal income tax purposes. However, following an event that

renders the Rights exercisable or upon redemption of the Rights, shareholders may recognize taxable income.

2014 Warrants

Our 2014 Warrants contained certain anti-dilution provisions, which were triggered as a result of reverse stock splits, the
Series B Transaction, the Equity Line Offering, the Series C Transaction, the First Purchase Agreement, the Second Purchase
Agreement and Amended Family Trading Credit Facility. As of the date of this report, an aggregate 4,621,611 of the 2014 Warrants
were exercised for a total issuance of 347,997 common shares and all the 2014 Warrants have expired.

2018 Warrants

On October 26, 2018, we priced a public offering of 100,000 common shares, and warrants to purchase 175,000 common
shares, or the 2018 Warrants, at $30.00 per common share and $0.0002 per warrant. The 2018 Warrants had an exercise price of
$30.00 per share and expired four months from the date of issuance. Each warrant granted the warrant holder the option to purchase
one of our common shares at any time within the abovementioned term. By February 25, 2019, all of the 2018 Warrants had been
exercised for 175,000 common shares and gross proceeds of $3.8 million.

Traditional Warrants

On September 13, 2019, we closed an underwritten public offering of an aggregate of 1,580,000 common shares or Pre-
Funded Warrants, Traditional Warrants to purchase up to 1,790,000 of our common shares and an overallotment option of up to
237,000 common shares.  Each Traditional Warrant entitled the holder to purchase either 1 common share upon a cash exercise or
0.7 common shares upon a cashless exercise. Each Traditional Warrant had an exercise price of $8.19. The Traditional Warrants
expired on December 31, 2019.

From September 13 to December 31, 2019, 1,245,089 common shares were issued pursuant to the cashless exercise of

1,778,700 Traditional Warrants.

2019 Class A Warrants and Class B Warrants

On November 6, 2019, concurrently with the November 2019 Registered Offering described above, we commenced a
private placement whereby we issued and sold warrants to purchase up to 8,400,000 of our common shares. One-half of the
warrants   would   have   expired   on   the   eight-month   anniversary   of   the   date   of   issuance   of   the   common   shares   sold   under   the
November   2019   Registered   Offering   (the   Class   A   Warrants)   and   one-half   of   the   warrants   will   expire   on   the   eighteen-month
anniversary   of   the   date   of   issuance   of   the   common   shares   sold   under   the   November   2019   Registered   Offering   (the   Class   B
Warrants). Each Class A Warrant was immediately exercisable as of the date of issuance of the common shares sold under the
November   2019   Registered   Offering   (the   "Exercise   Date")   at   an   exercise   price   of   $2.00  per   share,   subject   to   adjustment.   In
addition, the Class A Warrants could be exercised on a cashless basis beginning on the earlier of (i) 30 days from the closing date
and (ii) the trading day on which the aggregate trading volume of our common shares November 6, 2019 is equal to more than three
times the number of common shares offered pursuant to the Purchase Agreement (the "Cashless Date") if the VWAP of the common
shares on any Trading Day on or after the Cashless Date fails to exceed $3.20 on such date (as may be subject to adjustment). The
number of common shares issuable in such cashless exercise were 0.4 of a common share that would be issuable upon exercise of
the Class A Warrant in accordance with its terms if such exercise were by means of a cash exercise. No fractional common shares
would have been issued in connection with the exercise of a Class A Warrant. In lieu of fractional shares, we would have paid the
holder an amount in cash equal to the fractional amount multiplied by the exercise price. The foregoing adjustment to the exercise
price of the Class B Warrant is subject to a floor price of $1.00. Between January 22 and February 22, 2020, all of the Class A
Warrants (4,200,000) were exercised on a cashless basis into 1,680,000 of our common shares. As of the date of this report the
exercise price of the Class B Warrant after adjustments for subsequent equity offerings is $1.00 per share (floor price).

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C.

Material Contracts

We refer you to "Item 5. Operating and Financial Review and Prospects—B. Liquidity and Capital Resources—Debt
Facilities,"   "Item   5.   Operating   and   Financial   Review   and   Prospects—B.   Liquidity   and   Capital   Resources—   Financing
Commitments under Sale and Leaseback Arrangements," "Item 7. Major Shareholders and Related Party Transactions—B. Related
Party Transactions "Item 18. Financial Statements—Note 5—Transactions with related parties", "Item 18. Financial Statements—
Note 6—Leases" and "Item 18. Financial Statements—Note 8—Debt " for a discussion of our material agreements that we have
entered into outside the ordinary course of our business.

Other than these contracts, we have no other material contracts, other than contracts entered into in the ordinary course of

business, to which we are a party.

D.

Exchange controls

The Marshall Islands impose no exchange controls on non-resident corporations.

E.

Taxation

The following is a discussion of the material Marshall Islands and U.S. federal income tax considerations relevant to a U.S.
Holder and a Non-U.S. Holder, each as defined below, with respect to the common shares. This discussion does not purport to deal
with the tax consequences of owning common shares to all categories of investors, some of which, such as financial institutions,
regulated investment companies, real estate investment trusts, tax-exempt organizations, insurance companies, persons holding our
common shares as part of a hedging, integrated, conversion or constructive sale transaction or a straddle, traders in securities that
have elected the mark-to-market method of accounting for their securities, persons liable for the alternative minimum tax or the
"base erosion and anti-avoidance" tax, dealers in securities or currencies, U.S. Holders, as defined below, whose functional currency
is not the U.S. dollar, persons required to recognize income for U.S. federal income tax purposes no later than when such income is
included on an "applicable financial statement" and investors that own, actually or under applicable constructive ownership rules,
10% or more of our common shares, may be subject to special rules. This discussion deals only with holders who own hold the
common shares as a capital asset. 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 non-U.S. law of the ownership of common shares.

Marshall Islands Tax Consequences

We are incorporated in the Republic of the Marshall Islands. Under current Marshall Islands law, we are not subject to tax
on income or capital gains, and no Marshall Islands withholding tax will be imposed upon payments of dividends by us to our
shareholders.

U.S. Federal Income Tax Consequences

The following are the material United States federal income tax consequences to us of our activities and to U.S. Holders
and non-U.S. Holders, each as defined below, of our common shares. The following discussion of U.S. federal income tax matters is
based on the U.S. Internal Revenue Code of 1986, as amended (the "Code"), judicial decisions, administrative pronouncements, and
existing and proposed regulations issued by the U.S. Department of the Treasury (the "Treasury Regulations"), all of which are
subject to change, possibly with retroactive effect. The discussion below is based, in part, on the description of our business in
"Item 4. Information on the Company—B. Business Overview." above and assumes that we conduct our business as described in
that section. Except as otherwise noted, this discussion is based on the assumption that we will not maintain an office or other fixed
place of business within the United States. References in the following discussion to "we" and "us" are to TOP Ships Inc. and its
subsidiaries on a consolidated basis.

U.S. Federal Income Taxation of Our Company

Taxation of Operating Income: In General

Unless exempt from U.S. federal income taxation under the rules discussed below, a foreign corporation is subject to U.S.
federal income taxation in respect of any income that is derived from the use of vessels, from the hiring or leasing of vessels for use
on   a   time,   voyage   or   bareboat   charter   basis,   from   the   participation   in   a   pool,   partnership,   strategic   alliance,   joint   operating
agreement, cost sharing arrangements or other joint venture it directly or indirectly owns or participates in that generates such
income, or from the performance of services directly related to those uses, which we refer to as "shipping income," to the extent that
the   shipping   income   is   derived   from   sources   within   the   United   States.   For   these   purposes,   50%   of   shipping   income   that   is
attributable to transportation that begins or ends, but that does not both begin and end, in the United States constitutes income from
sources within the United States, which we refer to as "U.S.-source shipping income."

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Shipping income attributable to transportation that both begins and ends in the United States is considered to be 100%
from sources within the United States. We are not permitted by law to engage in transportation that produces income which is
considered to be 100% from sources within the United States.

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 any
U.S. federal income tax.

In the absence of exemption from tax under Section 883 of the Code, our gross U.S.-source shipping income would be

subject to a 4% tax imposed without allowance for deductions as described below.

Exemption of Operating Income from U.S. Federal Income Taxation

Under Section 883 of the Code and the regulations thereunder, we will be exempt from U.S. federal income tax on our

U.S.-source shipping income if:

(1)

we are organized in a foreign country, or our country of organization, that grants an "equivalent exemption" to
corporations organized in the United States; and

(2)

either

A.

B.

more than 50% of the value of our stock is owned, directly or indirectly, by individuals who are
"residents" of our country of organization or of another foreign country that grants an "equivalent
exemption" to corporations organized in the United States (each such individual a "qualified
shareholder" and such individuals collectively, "qualified shareholders"), which we refer to as the "50%
Ownership Test," or

our stock is "primarily and regularly traded on an established securities market" in our country of
organization, in another country that grants an "equivalent exemption" to U.S. corporations, or in the
United States, which we refer to as the "Publicly-Traded Test."

The Marshall Islands and Liberia, the jurisdictions where we and our ship-owning subsidiaries are incorporated, each grant
an "equivalent exemption" to U.S. corporations. Therefore, we will be exempt from U.S. federal income tax with respect to our
U.S.-source shipping income if either the 50% Ownership Test or the Publicly-Traded Test is met.

Based on information provided in Schedule 13D and Schedule 13G filings with the SEC and ownership certificates that we
obtained from certain of our shareholders, we believe that we meet either the Publicly Traded Test or the 50% Ownership Test for
the taxable year 2019 and intend to take this position on our U.S. federal income tax return or the 2019 year.  A, as discussed below,
this is a factual determination made on an annual basis, and no assurance can be given that we will satisfy the Publicly-Traded Test
or the 50% Ownership Test in future taxable years.  We anticipate taking the position on our and our subsidiaries' U.S. federal
income tax returns for 2019 that we are exempt under Code section 883 by satisfying the Publicly-Traded Test.

Treasury Regulations provide, in pertinent part, that stock of a foreign corporation will be considered to be "primarily
traded" on an established securities market if the number of shares of each class of stock that are traded during any taxable year on
all established securities markets in that country exceeds the number of shares in each such class that are traded during that year on
established securities markets in any other single country. Our common shares, which are our sole class of issued and outstanding
stock, is and we anticipate will continue to be "primarily traded" on the Nasdaq Capital Market.

Under   the   Treasury   Regulations,   our   common   shares   will   be   considered   to   be   "regularly   traded"   on   an   established
securities market if one or more classes of our stock representing more than 50% of our outstanding shares, by total combined
voting power of all classes of stock entitled to vote and total value, is listed on the market, which we refer to as the "listing
threshold." Since our common shares, our sole class of issued and outstanding stock, are listed on the Nasdaq Capital Market, we
will satisfy the listing threshold.

It is further required that with respect to each class of stock relied upon to meet the listing threshold, (i) such class of stock
be traded on the market, other than in minimal quantities, on at least 60 days during the taxable year or one-sixth of the days in a
short taxable year, which we refer to as the "trading frequency test"; and (ii) the aggregate number of shares of such class of stock
traded on such market is at least 10% of the average number of shares of such class of stock outstanding during such year or as
appropriately adjusted in the case of a short taxable year, which we refer to as the "trading volume test." We believe we will satisfy
the trading frequency and trading volume tests. Even if this were not the case, the Treasury Regulations provide that the trading
frequency and trading volume tests will be deemed satisfied if, as is the case with our common shares, such class of stock is traded
on an established securities market in the United States and such stock is regularly quoted by dealers making a market in such stock.

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Notwithstanding the foregoing, the Treasury Regulations provide, in pertinent part, that a class of our stock will not be
considered to be "regularly traded" on an established securities market for any taxable year if 50% or more of the vote and value of
the outstanding shares of such class of stock are owned, actually or constructively under specified stock attribution rules, on more
than half the days during the taxable year by persons who each own 5% or more of the vote and value of the outstanding shares of
such class of stock, which we refer to as the "5% Override Rule."

For purposes of being able to determine the persons who own 5% or more of our stock, or "5% Shareholders," the Treasury
Regulations permit us to rely on those persons that are identified on Schedule 13G and Schedule 13D filings with the SEC, as
having a 5% or more beneficial interest in our common shares. The Treasury Regulations further provide that an investment
company identified on a SEC 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.

In the event the 5% Override Rule is triggered, the Treasury Regulations provide that the 5% Override Rule will 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 of the Code to preclude non-qualified 5% Shareholders in the closely-held
group from owning 50% or more of each class of our stock for more than half the number of days during such year. To establish and
substantiate this exception to the 5% Override Rule, our 5% Shareholders who are qualified shareholders for purposes of Section
883 of the Code must comply with ownership certification procedures attesting that they are residents of qualifying jurisdictions,
and each intermediary or other person in the chain of ownership between us and such 5% Shareholder must undertake similar
compliance procedures.

For the 2019 taxable year, we believe that the 5% Override Rule was not triggered as less than 50% or more of the vote
and value of our common shares was owned by 5% Shareholders on more than half of the days during the taxable year. Therefore,
we intend to take the position for U.S. federal income tax reporting purposes that we are not subject to U.S. federal income taxation
for the 2019 taxable year because more than 50% of our stock was not owned by non-qualified shareholders that each held 5% or
more of our stock.  However, due to the factual nature of the issues, we may not qualify for the benefits of Section 883 of the Code
for any future taxable year

Taxation in the Absence of Exemption under Section 883 of the Code

To the extent the benefits of Section 883 of the Code are unavailable, our 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 our shipping income would be treated as
being derived from U.S. sources, the maximum effective rate of U.S. federal income tax on our shipping income would never
exceed 2% under the 4% gross basis tax regime.

To the extent the benefits of the exemption under Section 883 of the Code 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 a 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 shipping
income; and

substantially all of our U.S.-source shipping income is attributable to regularly scheduled transportation, such as the
operation of a vessel that follows a published schedule with repeated sailings at regular intervals between the same
points for voyages that begin or end in the United States.

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We do not currently have, nor intend to have or permit circumstances that would result in having, any vessel operating to
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 will be "effectively connected" with the conduct of a U.S.
trade or business.

U.S. Taxation of Gain on Sale of Vessels

Regardless of whether we qualify for exemption under Section 883 of the Code, 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.

U.S. Federal Income Taxation of U.S. Holders

As used herein, the term "U.S. Holder" means a beneficial owner of our common shares that

is a U.S. citizen or resident, 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 (i) if 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 (ii) ) the trust has in effect a valid election to be treated
as a United States person for U.S. federal income tax purposes;

owns the common shares as a capital asset, generally, for investment purposes; and

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 of such partnership 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 tax advisor.

•

•

•

•

Distributions

Subject to the discussion of passive foreign investment companies, or PFIC, below, any distributions made by us with
respect to our common shares to a U.S. Holder will generally constitute dividends to the extent of our current or accumulated
earnings and profits, as determined under U.S. federal income tax principles. Distributions in excess of such 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 not be
entitled to claim a dividends received deduction with respect to any distributions they receive from us. Dividends paid with respect
to our common shares will generally be treated as "passive category income" for purposes of computing allowable foreign tax
credits for U.S. foreign tax credit purposes.

Dividends paid on our common shares to a U.S. Holder who is an individual, trust or estate (a "U.S. Non-Corporate
Holder") will generally be treated as "qualified dividend income" that is taxable to such U.S. Non-Corporate Holder 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 traded); (2) we are not a PFIC for the taxable year during which the
dividend is paid or the immediately preceding taxable year (as discussed in more detail below); (3) the U.S. Non-Corporate 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; and (4) the U.S. Non-Corporate Holder is not under an obligation to make related payments
with respect to positions in substantially similar or related property.

We believe that we were not a PFIC for our 2014 through 2019 taxable years, and we do not expect to be a PFIC for
subsequent taxable years. If we were treated as a PFIC for our 2019 taxable year, any dividends paid by us during 2019 and 2020
will not be treated as "qualified dividend income" in the hands of a U.S. Non-Corporate Holder. Any dividends we pay which are
not eligible for the preferential rates applicable to "qualified dividend income" will be taxed as ordinary income to a U.S. Non-
Corporate Holder.

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Special rules may apply to any "extraordinary dividend," generally, a dividend paid by us in an amount which is equal to or
in excess of 10% of a shareholder's adjusted tax basis in (or, in certain circumstances, fair market value of) a common share or
dividends received within a one-year period that, in the aggregate, equal or exceed 20% of a shareholder's adjusted tax basis (or fair
market value upon the shareholder's election) in a common share. If we pay an "extraordinary dividend" on our common shares that
is treated as "qualified dividend income," then any loss derived by a U.S. Non-Corporate Holder from the sale or exchange of such
common shares will be treated as long-term capital loss to the extent of such dividend.

Sale, Exchange or other Disposition of Common shares

Subject to the discussion of our status as a PFIC below, 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 stock. Such gain or loss will be
treated as long-term capital gain or loss if the U.S. Holder's holding period is greater than one year at the time of the sale, exchange
or other disposition. Such capital gain or loss will generally be treated as U.S.-source income or loss, as applicable, for U.S. foreign
tax credit purposes. A U.S. Holder's ability to deduct capital losses is subject to certain limitations.

3.8% Tax on Net Investment Income

A U.S. Holder that is an individual, estate, or, in certain cases, a trust, will generally be subject to a 3.8% tax on the lesser
of (1) the U.S. Holder's net investment income for the taxable year and (2) the excess of the U.S. Holder's modified adjusted gross
income for the taxable year over a certain threshold (which in the case of individuals is between $125,000 and $250,000).  A U.S.
Holder's net investment income will generally include distributions made by us which constitute a dividend for U.S. federal income
tax purposes and gain realized from the sale, exchange or other disposition of our common shares.  This tax is in addition to any
income taxes due on such investment income.

If you are a U.S. Holder that is an individual, estate or trust, you are encouraged to consult your tax advisors regarding the

applicability of the 3.8% tax on net investment income to the ownership and disposition of our common shares.

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" for these purposes. 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.

In general, income derived from the bareboat charter of a vessel will be treated as "passive income" for purposes of
determining whether we are a PFIC and such vessel will be treated as an asset which produces or is held for the production of
"passive income."  On the other hand, income derived from the time charter of a vessel should not be treated as "passive income"
for such purpose, but rather should be treated as services income; likewise, a time chartered vessel should generally not be treated
as an asset which produces or is held for the production of "passive income."

We believe that we were a PFIC for our 2013 taxable year because we believe that at least 50% of the average value of our
assets consisted of vessels which were bareboat chartered and at least 75% of our gross income was derived from vessels on
bareboat charter.

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We believe that we were not a PFIC for our 2014 through 2019 taxable years because we had no bareboat chartered vessels
and consequently no gross income from vessels on bareboat charter. Furthermore, based on our current assets and activities, we do
not believe that we will be a PFIC for the subsequent taxable years. Although there is no legal authority directly on point, and we
are not relying upon an opinion of counsel on this issue, our belief is based principally on the position that, for purposes of
determining whether we are a passive foreign investment company, the gross income we derive or are deemed to derive from the
time chartering and voyage chartering activities of our wholly-owned subsidiaries should constitute services income, rather than
rental income. Correspondingly, such income should 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, should not constitute
passive assets for purposes of determining whether we were a passive foreign investment company. We believe there is substantial
legal authority supporting our position consisting of case law and IRS pronouncements concerning the characterization of income
derived from time charters and voyage charters as services income for other tax purposes. However, in the absence of any legal
authority specifically relating to the statutory provisions governing passive foreign investment companies, the IRS or a court could
disagree with our position. In addition, although we intend to conduct our affairs in a manner to avoid being classified as a passive
foreign investment company with respect to any taxable year, we cannot assure you that the nature of our operations will not change
in the future.

If we are a PFIC for any taxable year, a U.S. Holder will be treated as owning his proportionate share of the stock of any of
our subsidiaries which is a PFIC.  The PFIC rules discussed below will apply on a company-by-company basis with respect to us
and each of our subsidiaries which is treated as 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 U.S. federal income taxation rules depending on whether the U.S. Holder makes an election to treat us as a "Qualified
Electing Fund," which election is referred to as a "QEF Election." As discussed below, 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, which election is referred to
as a "Mark-to-Market Election". A U.S. Holder holding PFIC shares that does not make either a "QEF Election" or "Mark-to-
Market Election" will be subject to the Default PFIC Regime, as defined and discussed below in "Taxation—U.S. Federal Income
Taxation of U.S. Holders—Taxation of U.S. Holders Not Making a Timely QEF or "Mark-to-Market" Election."

If we were to be treated as a PFIC, a U.S. Holder would be required to file, with respect to taxable years ending on or after

December 31, 2013, IRS Form 8621 to report certain information regarding us.

A U.S. Holder who held our common shares during any period in which we were treated as a PFIC and who neither
made   a   QEF   Election   nor   a   Mark-to-Market   Election   may   continue   to   be   subject   to   the   Default   PFIC   Regime,
notwithstanding that we are no longer a PFIC. If you are a U.S. Holder who held our common shares during any period in
which we were a PFIC but failed to make either of the foregoing elections, you are strongly encouraged to consult your tax
advisor regarding the U.S. federal income tax consequences to you of holding our common shares in periods in which we are
no longer a PFIC.

The QEF Election

If 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 United States federal income tax purposes his 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 made by us to 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.
An Electing Holder would generally recognize capital gain or loss on the sale, exchange or other disposition of our common shares.
A U.S. Holder would make a QEF Election with respect to any year that our company is a PFIC by filing one copy of IRS Form
8621 with his United States federal income tax return and a second copy in accordance with the instructions to such form. It should
be noted that if any of our subsidiaries is treated as a corporation for U.S. federal income tax purposes, a U.S. Holder must make a
separate QEF Election with respect to each such subsidiary.

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

Making the Election.  Alternatively, if, as is anticipated, our common shares is treated as "marketable stock," a U.S. Holder
would be allowed to make a Mark-to-Market Election with respect to the common shares, provided the U.S. Holder completes and
files IRS Form 8621 in accordance with the relevant instructions and related Treasury Regulations.  The common shares will be
treated as "marketable stock" for this purpose if they are "regularly traded" on a "qualified exchange or other market."  The
common shares will be "regularly traded" on a qualified exchange or other market for any calendar year during which they are
traded (other than in de minimis quantities) on at least 15 days during each calendar quarter.  A "qualified exchange or other
market" means either a U.S. national securities exchange that is registered with the SEC, the Nasdaq Capital Market, or a foreign
securities exchange that is regulated or supervised by a governmental authority of the country in which the market is located and
which satisfies certain regulatory and other requirements.  We believe that the Nasdaq Capital Market should be treated as a
"qualified exchange or other market" for this purpose.  However, it should be noted that a separate Mark-to-Market Election would
need to be made with respect to each of our subsidiaries which is treated as a PFIC.  The stock of these subsidiaries is not expected
to be "marketable stock."  Therefore, a "mark-to-market" election is not expected to be available with respect to these subsidiaries.

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Current Taxation and Dividends.  If the Mark-to-Market 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 U.S. 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 its common shares over their 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. 
Any income inclusion or loss under the preceding rules should be treated as gain or loss from the sale of common shares for
purposes of determining the source of the income or loss.  Accordingly, any such gain or loss generally should be treated as U.S.-
source income or loss for U.S. foreign tax credit limitation purposes.  A U.S. Holder's tax basis in his common shares would be
adjusted to reflect any such income or loss amount.  Distributions by us to a U.S. Holder who has made a Mark-to-Market Election
generally will be treated as discussed above under "Taxation—U.S. Federal Income Taxation of U.S. Holders—Distributions."

Sale, Exchange or Other Disposition.  Gain realized on the sale, exchange, redemption or other disposition of the common
shares would be treated as ordinary income, and any loss realized on the sale, exchange, redemption 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.  Any loss in excess of such previous inclusions would be treated as a capital loss
by the U.S. Holder.  A U.S. Holder's ability to deduct capital losses is subject to certain limitations.  Any such gain or loss generally
should be treated as U.S.-source income or loss for U.S. foreign tax credit limitation purposes.

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

Finally, a U.S. Holder who does not make either a QEF Election or a Mark-to-Market Election with respect to any taxable
year in which we are treated as a PFIC, or a U.S. Holder whose QEF Election is invalidated or terminated, or a Non-Electing
Holder, would be subject to special rules, or the Default PFIC Regime, with respect to (1) any excess distribution (i.e., the portion
of any distributions received by the Non-Electing Holder on the 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, redemption or other disposition of
the common shares.

Under the Default PFIC Regime:

•

•

•

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

the amount allocated to the current taxable year and any taxable year before we 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 tax deferral benefit would be
imposed with respect to the resulting tax attributable to each such other taxable year.

Any distributions other than "excess distributions" by us to a Non-Electing Holder will be treated as discussed above under

"Taxation—U.S. Federal Income Taxation of U.S. Holders—Distributions."

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 the common shares.  If a Non-Electing Holder who is an
individual dies while owning the common shares, such Non-Electing Holder's successor generally would not receive a step-up in
tax basis with respect to the common shares.

U.S. Federal Income Taxation of "Non-U.S. Holders"

A beneficial owner of our 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 tax or withholding tax on dividends received from
us with respect to our common shares, unless that income is effectively connected with a trade or business conducted by the Non-
U.S. Holder 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 only if it is attributable to a permanent establishment maintained by the Non-U.S. Holder in the
United States.

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Sale, Exchange or Other Disposition of Common shares

Non-U.S. Holders generally will not be subject to U.S. federal income tax 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 a trade or business conducted by the Non-U.S. Holder 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 that gain, that gain is
taxable only if it 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 stock that is effectively
connected with the conduct of that trade or business will generally be subject to 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, in the case of a corporate Non-U.S. Holder,
the   earnings   and   profits   of   such   Non-U.S.   Holder   that   are   attributable   to   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 U.S. 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. In addition, such payments will be subject to backup withholding tax 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 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 you
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 requirements, but not backup withholding, will apply to a payment of sales
proceeds, even if that payment is 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. Backup withholding tax is not an additional tax.
Rather, you generally may obtain a refund of any amounts withheld under backup withholding rules that exceed your U.S. federal
income tax liability by filing a refund claim with the IRS.

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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F.

Dividends and Paying Agents

Not applicable.

G.

Statement by Experts

Not applicable.

H.

Documents on Display

We file annual reports and other information with the SEC. Our SEC filings are available to the public at the web site

maintained by the SEC at http://www.sec.gov, as well as on our website at http://www.topships.org.

I.

Subsidiary Information

Not applicable.

ITEM 11.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Our Risk Management Policy

Market   risks   relating   to   adverse   movements   in   freight   rates   in   the   product   tanker   and   crude   oil   tanker   markets   are
minimized due to the fact that all the vessels in our fleet are under period employment earning fixed time charter rates. Our policy is
to continuously monitor our exposure to other business risks, including the impact of changes in interest rates, currency rates, and
bunker prices on earnings and cash flows. We assess these risks and, when appropriate, enter into derivative contracts with credit-
worthy counterparties to minimize our exposure to the risks. With regard to bunker prices, as our employment policy for our vessels
has been and is expected to continue to be with a high percentage of our fleet on period employment, we are not directly exposed
with respect to those vessels to increases in bunker fuel prices, as these are the responsibility of the charterer under period charter
arrangements.

Interest Rate Risk

As of December 31, 2019 we are exposed to interest rate risk in relation to our floating rate indebtedness only in the OFI
facility, the AT Bank Senior Facility and the AT Bank Bridge Note (See "Item 18. Financial Statements—Note 8—Debt"). We may
be subject to additional market risks relating to changes in interest rates when we take on additional indebtedness. In order to
manage our exposure to changes in interest rates due to this floating rate indebtedness, we enter into interest rate swap ("IRS")
agreements.

Set forth below is a table of our interest rate swap arrangements as of December 31, 2019 (in thousands of U.S. dollars).

SWAP
Number
(Nr)
1
2
3

Counterparty

ABN Amro
ABN Amro
Alpha Bank
Total

Notional amount
as of
December 31, 2019
14,113
14,888
19,100
48,101

Start Date

End Date

Fixed Rate
Payable

April 13, 2018
December 21, 2016
March 29, 2018

July 13, 2021
January 13, 2022
February 25, 2025

1.4425%
2.08%
2.97%

Fair Value –
Asset/(Liability)
as of December 31, 2019
82
(113)
(985)
(1,016)

Under all above IRS transactions, each bank effects quarterly floating-rate payments to us for the relevant amount based on

the three-month USD LIBOR, and we effect quarterly payments to each bank on the relevant amount at the respective fixed rates.

As of December 31, 2019, our total indebtedness excluding unamortized financing fees was $316.6 million, of which
$48.1 million was covered by the IRS agreements described above and $ 164.0 million refer to the Cargill, Bocomm and CMBFL
SLB financing facilities the interest rate of which does not fluctuate. As set forth in the above table, as of December 31, 2019, we
paid fixed rates ranging from 1.4425% to 2.97% and received floating rates on the IRSs that are based on three month LIBOR. As
of December 31, 2019, our IRS agreements are, on an average basis, above the prevailing three month LIBOR rates over which our
loans are priced (please see Please see "Item 18. Financial Statements—Note 15— 15.Financial Instruments." for more details)

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Based on the amount of our floating rate  outstanding indebtedness, not covered by IRSs, as of December 31, 2019, a
hypothetical one percentage point increase in the three month U.S. dollar LIBOR would increase our interest rate expense for 2020,
on an annualized basis, by approximately $1.0 million. Based on the amount of our outstanding indebtedness, not covered by
interest rate swaps, as of December 31, 2018, a hypothetical one percentage point increase in the three month U.S. dollar LIBOR
would have increased our interest rate expense for 2019, on an annualized basis, by approximately $0.4 million.

Foreign Exchange Rate Fluctuation

We generate all of our revenues in U.S. dollars but incur certain expenses in currencies other than U.S. dollars, mainly the
Euro. During 2019, approximately 97.1% of our expenses were in U.S. Dollars, 2.5% were in Euro and approximately 0.4% were in
other currencies than the U.S. dollar or Euro. For accounting purposes, expenses incurred in other currencies are converted into U.S.
dollars at the exchange rate prevailing on the date of each transaction. We have not hedged currency exchange risks associated with
our expenses and our operating results could be adversely affected as a result. We constantly monitor the U.S. dollar exchange rate
and we try to achieve the most favorable exchange rates from the financial institutions we work with.

Based on our total expenses for the year ended December 31, 2019, and using as an average exchange rate of $1.1192 to

€1, a 5% decrease in the exchange rate to $1.0633 to €1 would result in an expense saving of approximately $0.08 million.

Based on our total expenses for the year ended December 31, 2018, and using as an average exchange rate of $11.1784 to

€1, a 5% decrease in the exchange rate to $1.1195 to €1 would result in an expense saving of approximately $0.08 million.

ITEM 12.

DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES

Not Applicable.

PART II

ITEM 13.

DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES

Neither we nor any of our subsidiaries have been subject to a material default in the payment of principal, interest, a

sinking fund or purchase fund installment or any other material default that was not cured within 30 days.

ITEM 14.

MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF
PROCEEDS

On September 14, 2016, we have adopted a Stockholders Rights Agreement, pursuant to which each of our common shares
includes one preferred stock purchase right that entitles the holder to purchase from us a unit consisting of one-thousandth of a
share of our Series A Participating Preferred Stock if any third-party seeks to acquire control of a substantial block of our common
shares without the approval of our Board of Directors. See "Item 10. Additional Information—B. Memorandum and Articles of
Association—Stockholders   Rights   Agreement"   included   in   this   annual   report   for   a   description   of   our   Stockholders   Rights
Agreement.

Please also see "Item 10. Additional Information—B. Memorandum and Articles of Association" for a description of the
rights of holders of our Series B and Series C Convertible Preferred Shares, Series D Preferred Shares and Series E Preferred Shares
relative to the rights of holders of our common shares.

ITEM 15.

CONTROLS AND PROCEDURES

a)

Disclosure Controls and Procedures

Management, under the supervision and with the participation of the Chief Executive Officer and the Chief Financial
Officer,   evaluated   the   effectiveness   of   the   design   and   operation   of   our   disclosure   controls   and   procedures   pursuant   to   Rules
13a-15(e) or 15d-15(e) promulgated under the Exchange Act, as of December 31, 2019.

The term disclosure controls and procedures are defined under SEC rules as controls and other procedures of an issuer that
are designed to ensure that information required to be disclosed by the issuer 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 SEC's rules and forms.
Disclosure   controls   and   procedures   include,   without   limitation,   controls   and   procedures   designed   to   ensure   that   information
required to be disclosed by an issuer in the reports that it files or submits under the Act is accumulated and communicated to the
issuer's management, including its principal executive and principal financial officers, or persons performing similar functions, as
appropriate to allow timely decisions regarding required disclosure. There are inherent limitations to the effectiveness of any system
of disclosure controls and procedures, including the possibility of human error and the circumvention or overriding of the controls
and procedures. Accordingly, even effective disclosure controls and procedures can only provide reasonable assurance of achieving
their control objectives.

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Based upon that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that our disclosure controls

and procedures are effective as of December 31, 2019.

b)

Management's Annual Report on Internal Control over Financial Reporting

Our management is responsible for establishing and maintaining adequate internal control over financial reporting as

defined in Rule 13a-15(f) and 15d-15(f) promulgated under the Exchange Act.

Internal control over financial reporting is defined in Rule 13a-15(f) or 15d-15(f) promulgated under the Exchange Act as
a process designed by, or under the supervision of, our principal executive and principal financial officers and effected by our Board
of Directors, management and other personnel, 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 and
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 our assets;

Provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial
statements in accordance with generally accepted accounting principles, and that our receipts and expenditures are
being made only in accordance with authorizations of Company's management and directors; 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.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. A
control system, no matter how well designed and operated, can provide only reasonable, not absolute, assurance that the control
system's objectives will be met. Our disclosure controls and procedures are designed to provide reasonable assurance of achieving
their objectives. The design of a control system must reflect the fact that there are resource constraints, and the benefits of controls
must be considered relative to their costs. Further, because of the inherent limitations in all control systems, no evaluation of
controls can provide absolute assurance that misstatements due to error or fraud will not occur or that all control issues and
instances of fraud, if any, within us have been detected. These inherent limitations include the realities that judgments in decision-
making can be faulty and that breakdowns can occur because of simple error or mistake. Controls can also be circumvented by the
individual acts of some persons, by collusion of two or more people, or by management override of the controls. The design of any
system of controls is based in part on certain assumptions about the likelihood of future events, and there can be no assurance that
any design will succeed in achieving its stated goals under all potential future conditions. 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.

Our   management   with   the   participation   of   our   Chief   Executive   Officer   and   Chief   Financial   Officer   assessed   the
effectiveness of our internal control over financial reporting as of December 31, 2019, based on the criteria established in Internal
Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission. As a
result of its assessment, the Chief Executive Officer and Chief Financial Officer concluded that our internal controls over financial
reporting are effective as of December 31, 2019.

c)

Attestation Report of the Registered Public Accounting Firm

This annual report does not contain an attestation report of our registered public accounting firm regarding internal control
over financial reporting. Management's report was not subject to attestation by our registered public accounting firm since under the
SEC adopting release implementing the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, companies that are
non-accelerated filers are exempt from including auditor attestation reports in their Form 20-Fs.

d)

Changes in Internal Control over Financial Reporting

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

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ITEM 16A.

AUDIT COMMITTEE FINANCIAL EXPERT

We have established an audit committee composed of three independent members that are responsible for reviewing our

accounting controls and recommending to our Board of Directors the engagement of our outside auditors.

We do not believe it is necessary to have a financial expert, as defined in Item 407 of Regulation S-K, because our Board
of Directors has determined that the members of the audit committee have the financial experience and other relevant experience
necessary to effectively perform the duties and responsibilities of the audit committee.

ITEM 16B.

CODE OF ETHICS

Our Board of Directors has adopted a Corporate Code of Business Ethics and Conduct that applies to all employees,
directors  and  officers,  which   complies  with   applicable  guidelines  issued  by  the  SEC.  The  finalized  Code   of   Ethics   has   been
approved by our Board of Directors and was distributed to all employees, directors and officers. We will also provide any person a
hard copy of our code of ethics free of charge upon written request. Shareholders may direct their requests to the attention of Mr.
Alexandros Tsirikos at our registered address and phone number.

ITEM 16C.

PRINCIPAL AUDITOR AND SERVICES

Aggregate fees billed to us for the years ended December 2018 and 2019 represent fees billed by our principal accounting
firm, Deloitte Certified Public Accountants S.A., an independent registered public accounting firm and member of Deloitte Touche
Tohmatsu, Limited. Audit fees represent compensation for professional services rendered for the audit of the consolidated financial
statements, fees for the review of interim financial information as well as in connection with the review of registration statements
and related consents and comfort letters and any other audit services required for SEC or other regulatory filings. For 2018 and
2019, no other non-audit, tax or other fees were charged.

U.S. dollars in thousands,

Audit Fees

Year Ended

2018

2019

218.1

340.7

Our audit committee pre-approves all audit, audit-related and non-audit services not prohibited by law to be performed by

our independent auditors and associated fees prior to the engagement of the independent auditor with respect to such services.

ITEM 16D.

EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES

Not applicable.

ITEM 16E.

PURCHASES OF EQUITY SECURITIES BY THE ISSUER AND AFFILIATED PURCHASERS

Not applicable.

ITEM 16F.

CHANGE IN REGISTRANT’S CERTIFYING ACCOUNTANT

Not applicable.

ITEM 16G.

CORPORATE GOVERNANCE

We have certified to Nasdaq that our corporate governance practices are in compliance with, and are not prohibited by, the
laws of the Republic of the Marshall Islands. Therefore, we are exempt from many of Nasdaq's corporate governance practices
other than the submission of a listing agreement, notification to Nasdaq of non-compliance with Nasdaq corporate governance
practices, prohibition on disparate reduction or restriction of shareholder voting rights, and the establishment of an audit committee
satisfying Nasdaq Listing Rule 5605(c)(3) and ensuring that such audit committee's members meet the independence requirement of
Listing Rule 5605(c)(2)(A)(ii). The practices we follow in lieu of Nasdaq's corporate governance rules applicable to U.S. domestic
issuers are as follows:

•

Majority Independent Board. Nasdaq requires, among other things, that a listed company has a Board of Directors
comprised of a majority of independent directors. As permitted under Marshall Islands law, our Board of Directors is
comprised of three independent directors and two executive directors.

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•

•

•

Audit Committee.  Nasdaq requires, among other things, that a listed company has an audit committee with a
minimum of three independent members, at least one of whom meets certain standards of financial sophistication.
As permitted under Marshall Islands law, our audit committee consists of three independent directors but we do not
designate any one audit commit member as meeting the standards of financial sophistication.

As a foreign private issuer, we are not required to hold regularly scheduled board meetings at which only
independent directors are present.

In lieu of obtaining shareholder approval prior to the issuance of designated securities, we will comply with
provisions of the BCA, which allows our Board of Directors to approve share issuances.

As a foreign private issuer, we are not required to solicit proxies or provide proxy statements to Nasdaq pursuant to
Nasdaq corporate governance rules or Marshall Islands law. Consistent with Marshall Islands law and as provided in our bylaws, we
will notify our shareholders of meetings between 15 and 60 days before the meeting. This notification will contain, among other
things, information regarding business to be transacted at the meeting. In addition, our bylaws provide that shareholders must give
us between 120 and 180 days advance notice to properly introduce any business at a meeting of shareholders.

Other than as noted above, we are in compliance with all other Nasdaq corporate governance standards applicable to U.S.

domestic issuers.

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ITEM 16H.

MINE SAFETY DISCLOSURE

Not Applicable.

ITEM 17.

FINANCIAL STATEMENTS

See Item 18.

ITEM 18.

FINANCIAL STATEMENTS

PART III

The financial statements beginning on page F-1 are filed as a part of this annual report.

ITEM 19.

EXHIBITS

Number

Description of Exhibits

1.1

1.2

1.3

1.4

1.5

1.6

1.7

1.8

1.9

Third Amended and Restated Articles of Incorporation of TOP Ships Inc. (1)

Articles of Amendment to the Third Amended and Restated Articles of Incorporation, dated April 17, 2014 (2)

Articles of Amendment to the Third Amended and Restated Articles of Incorporation, dated February 15, 2016 (3)

Certificate of Correction to the Third Amended and Restated Articles of Incorporation, dated February 14, 2017 (4)

Articles of Amendment to the Third Amended and Restated Articles of Incorporation, dated May 10, 2017 (5)

Articles of Amendment to the Third Amended and Restated Articles of Incorporation, dated June 22, 2017  (6)

Articles of Amendment to the Third Amended and Restated Articles of Incorporation, dated August 2, 2017 (7)

Articles of Amendment to the Third Amended and Restated Articles of Incorporation, dated October 5, 2017 (8)

Articles of Amendment to the Third Amended and Restated Articles of Incorporation, dated March 23, 2018 (9)

1.10

Articles of Amendment to the Third Amended and Restated Articles of Incorporation, dated August 21, 2019 (10)

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1.11

1.12

2.1

2.2

2.3

2.4

2.5

2.6

2.7

2.8

2.9

2.10

2.11

2.12

2.13

2.14

Amended and Restated By-Laws of the Company (11)

Amendment No. 1 to the Amended and Restated By-Laws (12)

Form of Share Certificate (13)

Form of Warrant Certificate (14)

Form of Warrant Agreement to Purchase Common Shares, dated June 11, 2014 (15)

Form of Representative's Warrant Agreement to Purchase Common Shares, dated June 11, 2014 (16)

Form of Warrant Agreement to Purchase Common Shares, dated October 24, 2018 (17)

Form of Pre-Funded Common Stock Purchase Warrant (18)

Form of Common Stock Purchase Warrant (19)

Form of Class A Common Stock Purchase Warrant (20)

Form of Class B Common Stock Purchase Warrant (21)

Certificate of Designations of Rights, Preferences and Privileges of Series A Participating Preferred Stock of TOP
Ships Inc. (22)

Certificate of Designations of Rights, Preferences and Privileges of Series B Convertible Preferred Stock of TOP Ships
Inc. (23)

Statement of Designations, Preferences and Rights of the Series C Convertible Preferred Stock of TOP Ships Inc.  (24)

Statement of Designations, Preferences and Rights of the Series D Preferred Stock of TOP Ships Inc. (25)

Statement of Designations of Rights, Preferences and Privileges of Series E Perpetual Convertible Preferred Stock of
TOP Ships Inc. (26)

2.15

Description of Securities

4.1

4.2

4.3

4.4

4.5

4.6

TOP Ships Inc. 2015 Stock Incentive Plan (27)

Stockholders Rights Agreement with Computershare Trust Company, N.A., as Rights Agent as of September 22, 2016
(28)

Employment Agreement between TOP Ships Inc. and Central Mare Inc. dated September 1, 2010, regarding
employment of Chief Technical Officer (29)

Employment Agreement between TOP Ships Inc. and Central Mare Inc. dated September 1, 2010, regarding
employment of Executive Vice-President and Chairman (30)

Employment Agreement between TOP Ships Inc. and Central Mare Inc. dated September 1, 2010, regarding
employment of President and Chief Executive Officer (31)

Employment Agreement between TOP Ships Inc. and Central Mare Inc. dated September 1, 2010, regarding
employment of Chief Financial Officer (32)

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4.7

4.8

4.9

4.10

4.11

4.12

4.13

4.14

4.15

4.16

4.17

4.18

4.19

4.20

4.21

4.22

4.23

4.24

4.25

4.26

4.27

4.28

4.29

Letter Agreement with Central Shipping Monaco SAM, dated March 10, 2014 (33)

Form of Management Agreement with Central Shipping Monaco SAM (34)

Memorandum of Agreement dated December 30, 2014 with respect to the M/T Stenaweco Energy (35)

Call Option Agreement dated December 30, 2014 with respect to the M/T Stenaweco Energy (36)

Bareboat Charter dated December 30, 2014 with respect to the M/T Stenaweco Energy (37)

Joint Venture Agreement, dated July 7, 2017, between Lyndon International Co. and Just-C Limited (38)

Joint Venture Agreement, dated July 7, 2017, between Gramos Shipping Company Inc. and Just-C Limited  (39)

Memorandum of Agreement dated December 30, 2014 with respect to the M/T Stenaweco Evolution (40)

Call Option Agreement dated December 30, 2014 with respect to the M/T Stenaweco Evolution (41)

Bareboat Charter dated December 30, 2014 with respect to the M/T Stenaweco Evolution (42)

Warrant Exchange and Exercise Agreement dated as of January 10, 2019, among Top Ships, Inc. and CVI Investments,
Inc.(43)

Memorandum of Agreement in respect of M/T Eco Bel Air, dated as of December 3, 2018 (44)

Bareboat Charter in respect of M/T Eco Bel Air, dated as of December 3, 2018  (45)

Guarantee dated as of December 3, 2018 between Top Ships Inc., as guarantor, and Sea 103 Leasing Co., as owner
relating to a Bareboat Charter of M/T Eco Bel Air  (46)

Memorandum of Agreement in respect of M/T Eco Beverly Hills, dated as of December 3, 2018 (47)

Bareboat Charter in respect of M/T Eco Beverly Hills, dated as of December 3, 2018 (48)

Guarantee dated as of December 3, 2018 between Top Ships Inc., as guarantor, and Sea 104 Leasing Co., Limited, as
owner, relating to a Bareboat Charter of M/T Eco Beverly Hills (49)

Bareboat Charter in respect of M/T Nord Valiant, dated as of December 21, 2018 (50)

Additional Clauses to Bareboat Charter in respect of M/T Nord Valiant, dated as of December 21, 2018 (51)

Guarantee dated as of December 21, 2018, between Top Ships Inc., as guarantor, and Xiang T89 HK International
Ship Lease Co., Limited, as owner, in respect of the M/T Nord Valiant (52)

Memorandum of Agreement in respect of Hull No. 8218 (TBN Eco California), dated as of December 21, 2018  (53)

Bareboat Charter in respect of Hull No. 8218 (TBN Eco California), dated as of December 21, 2018 (54)

Additional Clauses to Bareboat Charter in respect of M/T Nord Valiant, dated as of December 21, 2018 (55)

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4.30

4.31

4.32

4.33

4.34

4.35

4.36

4.37

4.38

4.39

4.40

4.41

4.42

4.43

4.44

4.45

4.46

4.47

4.48

Guarantee dated as of December 21, 2018, between Top Ships Inc., as guarantor, and Xiang T88 HK International
Ship Lease Co., Limited, as owner, in respect of the M/T Eco California (56)

Management Agreement dated as of January 1, 2019 with Central Shipping Inc., in respect of M/T Stenaweco Energy
(57)

Management Agreement dated as of January 1, 2019 with Central Shipping Inc., in respect of M/T Stenaweco
Elegance (58)

Management Agreement dated as of January 1, 2019 with Central Shipping Inc., in respect of Hull 8242 (TBN Eco
Marina Del Rey) (59)

Management Agreement dated as of January 1, 2019 with Central Shipping Inc., in respect of M/T Eco Fleet  (60)

Management Agreement dated as of January1, 2019 with Central Shipping Inc., in respect of M/T Stenaweco
Evolution (61)

Management Agreement dated as of January 1, 2019 with Central Shipping Inc., in respect of Hull S874 (TBN Eco
Bel Air) (62)

Management Agreement dated as of January 1, 2019 with Central Shipping Inc., in respect of M/T Stenaweco
Excellence (63)

Management Agreement dated as of January 1, 2019 with Central Shipping Inc., in respect of M/T Nord Valiant (64)

Management Agreement dated as of January 1, 2019 with Central Shipping Inc., in respect of M/T Eco California (65)

Management Agreement dated as of January 1, 2019 with Central Shipping Inc., in respect of M/T Eco Revolution (66)

Management Agreement dated as of January 1, 2019 with Central Shipping Inc., in respect of Hull S875 (TBN Eco
Beverly Hills) (67)

Management Agreement dated as of January 11, 2019 with Central Shipping Inc., in respect of M/T Eco Palm Desert
(68)

Fifth Amendment to the Agreement for Provision of Personnel, dated January 1, 2019, between Top Ships Inc. and
Central Mare Inc.(69)

Letter Agreement from Central Shipping Inc. to Top Ships Inc. dated as of January 1, 2019, in respect of provision of
management services (70)

Note Purchase Deed among Top Ships Inc., Amsterdam Trade Bank N.V., the note purchasers party thereto, and
Astarte International Inc., dated as of March 21, 2019 (71)

Deed of Amendment to the March 21, 2019 AT Bank Bridge Facility Note, between TOP Ships Inc. and dated October
14, 2019

Addendum No. 1 dated as of March 12, 2019 to MOA in respect of Hull No. 8242 (TBN Eco Marina Del Rey) (72)

Stock Purchase Agreement between TOP Ships Inc. and Family Trading Inc., dated March 29, 2019 (73)

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4.49

4.50

4.51

4.52

4.53

4.54

4.55

4.56

4.57

4.58

4.59

4.60

4.61

8.1

12.1

12.2

13.1

13.2

15.1

101

Santa Catalina Inc. Stock Purchase Agreement between TOP Ships Inc. and Hollywood Hills Inc., dated December 18,
2019

Santa Monica Marine Inc. Stock Purchase Agreement between TOP Ships Inc. and Hollywood Hills Inc., dated
December 18, 2019

Bareboat Charter, Additional Clauses to the Bareboat Charter and Guarantee dated August 30, 2019 with respect to the
Stenaweco Energy

Bareboat Charter, Additional Clauses to the Bareboat Charter and Guarantee dated August 30, 2019 with respect to the
Stenaweco Evolution

Bareboat Charter, Additional Clauses to the Bareboat Charter and Guarantee dated July 7, 2019 with respect to the
Stenaweco Excellance

Bareboat Charter, Additional Clauses to the Bareboat Charter and Guarantee dated September 30, 2019 with respect to
the Stenaweco Eco City of Angels

Bareboat Charter, Additional Clauses to the Bareboat Charter and Guarantee dated September 30, 2019 with respect to
the Stenaweco Eco Los Angeles

Memorandum of Agreement dated December 12, 2019 with respect to the Eco Fleet

Memorandum of Agreement dated December 12, 2019 with respect to the Eco Revolution

Memorandum of Agreement dated January 27, 2020 with respect to the Eco Palm Desert

Memorandum of Agreement dated January 27, 2020 with respect to the Stenaweco Elegance

Memorandum of Agreement dated February 4, 2020 with respect to the Eco Holmby Hills

Memorandum of Agreement dated February 4, 2020 with respect to the Eco Palm Springs

List of subsidiaries of the Company

Rule 13a-14(a)/15d-14(a) Certification of the Company's Principal Executive Officer

Rule 13a-14(a)/15d-14(a) Certification of the Company's Principal Financial Officer

Certification of the Company's Principal Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002

Certification of the Company's Principal Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002

Consent of Independent Registered Accounting Firm

The following materials from the Company's Annual Report on Form 20-F for the fiscal year ended December 31,
2019, formatted in eXtensible Business Reporting Language (XBRL): (i) Consolidated Balance Sheets as of December
31, 2018 and 2019; (ii) Consolidated Statements of Comprehensive Income/(Loss) for the years ended December 31,
2017, 2018 and 2019; (iii) Consolidated Statements of Stockholders' Equity for the years ended December 31, 2017,
2018 and 2019; (iv) Consolidated Statements of Cash Flows for the years ended December 31, 2017, 2018 and 2019;
and (v) Notes to Consolidated Financial Statements

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(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
(11)
(12)
(13)
(14)
(15)

(16)

(17)
(18)
(19)
(20)
(21)
(22)

Incorporated by reference to Exhibit 99.2 of the Company's Current Report on Form 6-K, filed on June 24, 2011.
Incorporated by reference to Exhibit 99.1 of the Company's Current Report on Form 6-K, filed on April 18, 2014.
Incorporated by reference to Exhibit 1.3 of the Company's Annual Report on Form 20-F, filed on April 26, 2016.
Incorporated by reference to Exhibit 1.4 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 1.5 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 1.6 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 1.7 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 1.8 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 1.9 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 99.2 of the Company's Current Report on Form 6-K, filed on August 22, 2019.
Incorporated by reference to Exhibit 99.1 of the Company's Current Report on Form 6-K filed on March 9, 2007.
Incorporated by reference to Exhibit 1 of the Company's Current Report on Form 6-K filed on November 28, 2014.
Incorporated by reference to Exhibit 2.1 of the Company's Annual Report on Form 20-F, filed on June 29, 2009.
Incorporated by reference to Exhibit 2.2 of the Company's Annual Report on Form 20-F, filed on March 14, 2017.
Incorporated by reference to Exhibit 4.3 of the Company's Post-Effective Amendment No. 1 to the Registration Statement
on Form F-1, filed on May 9, 2016 (File No. 333-194690).
Incorporated by reference to Exhibit 4.1 of the Company's Pre-Effective Amendment No. 2 to the Registration Statement
on Form F-1, filed on May 13, 2014 (File No. 333-194690).
Incorporated by reference to Exhibit 99.1 of the Company's Current Report on Form 6-K, filed on October 24, 2018.
Incorporated by reference to Exhibit 3 of the Company's Current Report on Form 6-K, filed on September 19, 2019.
Incorporated by reference to Exhibit 2 of the Company's Current Report on Form 6-K, filed on September 19, 2019.
Incorporated by reference to Exhibit 3 of the Company's Current Report on Form 6-K, filed on November 7, 2019.
Incorporated by reference to Exhibit 4 of the Company's Current Report on Form 6-K, filed on November 7, 2019.
Incorporated by reference to Exhibit 3.1 of the Company's Current Report on Form 6-K, filed on September 22, 2016.

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(23)
(24)
(25)
(26)
(27)
(28)
(29)
(30)
(31)
(32)
(33)

(34)

(35)
(36)
(37)
(38)
(39)
(40)
(41)
(42)
(43)
(44)
(45)

Incorporated by reference to Exhibit 3.1 of the Company's Current Report on Form 6-K, filed on November 23, 2016.
Incorporated by reference to Exhibit 3.1 of the Company's Current Report on Form 6-K, filed on February 21, 2017.
Incorporated by reference to Exhibit 4.1 of the Company's Current Report on Form 6-K, filed on May 8, 2017.
Incorporated by reference to Exhibit 99.2 of the Company's Current Report on Form 6-K, filed on April 1, 2019.
Incorporated by reference to Exhibit 4.1 of the Company's Annual Report on Form 20-F, filed on April 26, 2016.
Incorporated by reference to Exhibit 4.1 of the Company's Current Report on Form 6-K, filed on September 22, 2016.
Incorporated by reference to Exhibit 4.5 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 4.6 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 4.7 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 4.8 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 10.42 of the Company's Registration Statement on Form F-1, filed on March 19,
2014, as amended (File No. 333-194960).
Incorporated by reference to Exhibit 10.43 of the Company's Registration Statement on Form F-1, filed on March 19,
2014, as amended (File No. 333-194960).
Incorporated by reference to Exhibit 4.29 of the Company's Annual Report on Form 20-F, filed on April 29, 2015.
Incorporated by reference to Exhibit 4.30 of the Company's Annual Report on Form 20-F, filed on April 29, 2015.
Incorporated by reference to Exhibit 4.33 of the Company's Annual Report on Form 20-F, filed on April 29, 2015.
Incorporated by reference to Exhibit 4.56 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 4.57 of the Company's Annual Report on Form 20-F, filed on March 29, 2018.
Incorporated by reference to Exhibit 4.31 of the Company's Annual Report on Form 20-F, filed on April 29, 2015.
Incorporated by reference to Exhibit 4.32 of the Company's Annual Report on Form 20-F, filed on April 29, 2015.
Incorporated by reference to Exhibit 4.34 of the Company's Annual Report on Form 20-F, filed on April 29, 2015.
Incorporated by reference to Exhibit 99.1 of the Company's Current Report on Form 6-K, filed on January 11, 2019.
Incorporated by reference to Exhibit 4.87 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.88 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.

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(46)
(47)
(48)
(49)
(50)
(51)
(52)
(53)
(54)
(55)
(56)
(57)
(58)
(59)
(60)
(61)
(62)
(63)
(64)
(65)
(66)
(67)
(68)
(69)
(70)
(71)
(72)
(73)

Incorporated by reference to Exhibit 4.89 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.90 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.91 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.92 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.96 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.97 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.98 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.99 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.100 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.101 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.102 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.103 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.104 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.105 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.106 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.107 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.108 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.109 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.110 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.111 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.112 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.113 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.114 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.115 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.116 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.118 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 4.119 of the Company's Annual Report on Form 20-F, filed on March 28, 2019.
Incorporated by reference to Exhibit 99.1 of the Company's Current Report on Form 6-K, filed on April 1, 2018.

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SIGNATURES

The registrant hereby certifies that it meets all of the requirements for filing on Form 20-F and that it has duly caused and

authorized the undersigned to sign this annual report on its behalf.

Date: April 10, 2020

TOP SHIPS INC.
(Registrant)

By: /s/ Evangelos J. Pistiolis
Evangelos J. Pistiolis
President, Chief Executive Officer, and Director

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TOP SHIPS INC.

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS

Report of Independent Registered Public Accounting Firm

Consolidated Balance sheets as of December 31, 2018 and 2019

Consolidated Statements of Comprehensive loss for the years ended December 31, 2017, 2018 and 2019

Consolidated Statements of Stockholders' equity for the years ended December 31, 2017, 2018 and 2019

Consolidated Statements of Cash flows for the years ended December 31, 2017, 2018 and 2019

Notes to consolidated financial statements

Page

F-2

F-3

F-5

F-7

F-10

F-12

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Stockholders of
Top Ships Inc.,
Majuro, Republic of the Marshall Islands

Opinion on the Financial Statements

We have audited the accompanying consolidated balance sheets of Top Ships Inc. and subsidiaries (the "Company") as of December
31, 2019 and 2018, the related consolidated statements of comprehensive loss, mezzanine and stockholders' equity, and cash flows,
for   each   of   the   three   years   in   the   period   ended   December   31,   2019,   and   the   related   notes   (collectively   referred   to   as   the
"consolidated financial statements"). In our opinion, the consolidated financial statements present fairly, in all material respects, the
financial position of the Company as of December 31, 2019 and 2018, and the results of its operations and its cash flows for each of
the three years in the period ended December 31, 2019, in conformity with accounting principles generally accepted in the United
States of America.

Basis for Opinion

These consolidated financial statements are the responsibility of the Company's management. Our responsibility is to express an
opinion on the Company's consolidated financial statements based on our audits. We are a public accounting firm registered with
the Public Company Accounting Oversight Board (United States) (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 consolidated financial statements are free of material misstatement, whether
due to error or fraud. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over
financial reporting. As part of our audits, we are required to obtain an understanding of internal control over financial reporting but
not  for the purpose of expressing an opinion on the effectiveness  of the Company's internal control over financial reporting.
Accordingly, we express no such opinion.

Our audits included performing procedures to assess the risks of material misstatement of the consolidated 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 consolidated 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
consolidated financial statements. We believe that our audits provide a reasonable basis for our opinion.

/s/ Deloitte Certified Public Accountants S.A.
Athens, Greece
April 10, 2020

We have served as the Company's auditor since 2006.

F-2

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TOP SHIPS INC.
CONSOLIDATED BALANCE SHEETS
DECEMBER 31, 2018 AND 2019

(Expressed in thousands of U.S. Dollars - except share and per share data)

ASSETS

CURRENT ASSETS:

Cash and cash equivalents
Trade accounts receivable
Prepayments and other
Due from related parties (Note 5)
Inventories (Note 7)
Prepaid bareboat charter hire (Note 6)
Assets held for sale (Note 4(c))
Non-current portion of derivative financial instruments (Note 15)
Restricted cash (Note 8)
      Total current assets

FIXED ASSETS:

Advances for vessels under construction (Note 4(a))

Vessels, net (Note 4(b))
Other fixed assets, net
      Total fixed assets

OTHER NON CURRENT ASSETS:

     Prepaid bareboat charter hire (Note 6)
Restricted cash (Note 8)
Investments in unconsolidated joint ventures (Note 18)
Derivative financial instruments (Note 15)
      Total non-current assets

      Total assets

LIABILITIES AND STOCKHOLDERS' EQUITY

CURRENT LIABILITIES:

Current portion of long-term debt (Note 8)
Debt related to vessels held for sale (Note 8)
Due to related parties (Note 5)
Accounts payable
Accrued liabilities
Unearned revenue
     Current portion of derivative financial instruments (Note 15)
      Total current liabilities

NON-CURRENT LIABILITIES:

Non-current portion of long term debt (Note 8)
Long term debt from related parties (Note 8)
Non-current portion of derivative financial instruments (Note 15)

           Total non-current liabilities

COMMITMENTS AND CONTINGENCIES (Note 9)

December
31,
2018

December
31,
2019

57
815
808
75
587
1,656
-
-
1,290
5,288

4,412
642
628
-
848
-
43,271
82
859
50,742

38,744
180,635
669
220,048

12,241
353,946
655
366,842

3,621
6,315
22,063
1,153
33,152

-
8,000
19,306
-
27,306

258,488

444,890

10,210
13,416
4,223
4,098
2,957
-
1,915
36,819

16,908
29,977
16,592
4,460
4,030
3,337
113
75,417

101,358
15,671
359
117,388

262,122
-
1,594
263,716

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      Total liabilities

MEZZANINE EQUITY:

Preferred stock; 0 and 15,724 Series E Shares issued and outstanding at December 31, 2018 and
2019 with $0.01 par value (Note 17)

      Total mezzanine equity

STOCKHOLDERS' EQUITY:

Preferred stock, $0.01 par value; 20,000,000 shares authorized; of which 100,000 Series D shares
were outstanding at December 31, 2018 and 2019 (Note 10)
Common stock, $0.01 par value; 1,000,000,000 shares authorized; 1,150,873 and  8,695,348 shares
issued and outstanding at December 31, 2018 and 2019 (Note 10)
Additional paid-in capital
Accumulated deficit
Accumulated other comprehensive income
      Total stockholders' equity

154,207

339,133

-
-

1

11
412,048
(307,779)
-
104,281

18,083
18,083

1

87
411,499
(322,552)
(1,361)
87,674

      Total liabilities, mezzanine equity and stockholders' equity

258,488

444,890

F-3

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TOP SHIPS INC.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS
FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of U.S. Dollars - except share and per share data)

Revenues (including $0, $1,606 and $1,311 respectively, from related party) (Note
19 & 5)

EXPENSES:

Voyage expenses (including $487, $511 and $829 respectively, to related party)
(Note 12)
Operating lease expense (Note 2 & 6)
Bareboat charter hire expenses (Note 6)
Amortization of prepaid bareboat charter hire
Vessel operating expenses (including $136, $187 and $247 respectively, to related
party) (Note 12)
Dry-docking costs
Vessel depreciation (Note 4(b))
Management fees-related parties (Note 5)
General and administrative expenses
Other operating (income) (Note 16)
Impairment on vessels (Note 4(c))
Operating income/(loss)

OTHER EXPENSES:

Interest and finance costs (including $504, $1,053 and $948 respectively, to related
party) (Note 13)
(Loss)/gain on derivative financial instruments (Note 15)
Interest income
Other, net
Equity (loss)/gain in unconsolidated joint ventures
Impairment on unconsolidated joint ventures  (Note 18)
Total other expenses, net

2017

2018

2019

39,363

41,048

66,088

999
-
6,282
1,657

13,444
-
5,744
4,730
5,805
(914)
-
1,616

(15,793)
(301)
13
1,120
(27)
-
(14,988)

1,020
-
6,282
1,657

14,826
-
6,390
7,765
6,997
-
-
(3,889)

(9,662)
1,821
130
180
291
-
(7,240)

3,038
7,054
-
-

22,786
399
12,392
2,443
1,730
-
12,310
3,936

(18,077)
1,601
133
-
778
(3,144)
(18,709)

Net loss

Less: Deemed dividend for beneficial conversion feature of Series E Shares (Note
17)
Less:   Deemed   dividend   equivalent   on   outstanding   Series   E   Shares   related   to
redemption value (Note 17)
Less: Series E Shares Dividend (Note 17)
Less: Deemed dividend on Series E Shares realized redemptions (Note 17)

Net loss attributable to common shareholders

(13,372)

(11,129)

(14,773)

-

-

(9,339)

-
-
-
(13,372)

-
-
-
(11,129)

(2,359)
(2,650)
(1,868)
(30,985)

Attributable to:

Common stock holders
Non-controlling interests

(13,404)
32

(11,134)
5

(30,985)
-

Loss per common share, basic and diluted (Note 11)

(251)

(12.20)

(10.58)

Other comprehensive income
Effective portion of changes in fair value of interest swap contracts (Note 15)
Total other comprehensive loss
Attributable to:

Common stock holders
Non-controlling interests

-
(13,404)

(13,404)
32

-
(11,134)

(11,134)
5

(1,361)
(32,346)

(32,346)
-

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

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TOP SHIPS INC.
CONSOLIDATED STATEMENTS OF MEZZANINE AND STOCKHOLDERS' EQUITY
FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of U.S. Dollars – except number of shares and per share data)

Mezzanine
Equity

Preferred
Stock

Common Stock

# of
Shares

Mezzanine
Equity

# of
Shares

Par
Value

# of
Shares*

Par
Value*

Accumulated
Deficit
attributable
to common
stockholders

Additional
Paid-In
Capital*

Non-
controlling
interest

Other
comprehensive
loss

Total

328,762
-

(283,241)
(13,404)

-
32

- 45,521
(13,372)

-

-

-

-

1
-

-

-
-

-

2,040

BALANCE,
December   31,
2016
Net loss
Issuance   of
common   stock
pursuant
to
convertible
related   party
loans (Note 8)
Issuance   of
common   stock
pursuant to the
Common
Stock Purchase
Agreement
(Note 10)
Issuance   of
common   stock
pursuant to the
Crede
Common
Stock Purchase
Agreement
(Note 10)
Issuance   of
common   stock
to
pursuant
Series
C
convertible
preferred
shares
conversions
(Note   8   and
10)
Series
convertible
preferred
stock's
beneficial
conversion
feature   (Note
8)
Issuance   of
common   stock
due to exercise
of
2014
Warrants (Note
10)
Stock-based
compensation
Non-
controlling
interest
  on
acquisition   of
Eco Seven Inc

C

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,040

38,389

28,633

8,213

7,500

1,540

(25)

5,278

5,278

31,639

-

38,389

357,444

4

28,629

45,232

-

8,213

7,500

1,540

(25)

-

10,963

-

-

-

-

-

-

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in

of

(Note 1)
Reduction   of
non-
controlling
interest   arising
from
Company's
purchase   of
additional
ownership
interest  in Eco
Seven
In.
(Note 1)
Excess
consideration
over   acquired
assets (Note 1)
Issuance   of
common   stock
to
pursuant
Series
B
convertible
preferred stock
conversions
reflected  
Mezzanine
equity   (Note
17)
Issuance   of
Series
  D
preferred stock
(Note 10)
Additional
paid-in capital 
attributed  
to
non-
controlling
interests
BALANCE,
December   31,
2017
Net loss
Issuance   of
common   stock
pursuant to the
Crede
Common
Stock Purchase
Agreement
(Note 10)
Issuance   of
common   stock
pursuant
to
Maxim   ATM
(Note 10)
Issuance   of
common   stock
due to exercise
of
2018
Warrants (Note
10)
Issuance   of
common   stock
due  
the
2018 Common
Stock   Offering
(Note 10)

to  

(4,125)

(4,125)

(12,909)

(12,909)

-

-

901

-

-

100,000

1

-

- 100,000
-

1 446,180
-
-

-

-

-

-

-

4
-

  1,743

-

(1,153)

-

-

-

-

-

-

402,729
-

(296,645)
(11,134)

1,185
5

-

-

-

-

- 402,500

4

14,785

- 124,543

1

2,613

-

77,650

1

2,177

- 100,000

1

2,720

-

-

-

-

-

-

-

-

1,743

1

(1,153)

- 107,274
(11,129)

14,789

2,614

2,178

2,721

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Purchase   of
10%   of   M/T
Stenaweco
Elegance
(Note 1)
Stock-based
compensation
Family
Trading
facility
beneficial
conversion
feature   (Note
8)
Elimination   of
beneficial
conversion
feature   with
debt
extinguishment
(Note 8)
Deemed
dividend   due
to
debt
extinguishment
of   FT   facility
(Note 8)
Excess
consideration
over   acquired
assets (Note 1)
Cancellation of
fractional
shares   due   to
reverse   stock
split
BALANCE,
December   31,
2018

of

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(34)

-

15,028

-

(3,451)

-

-

(2,258)

(22,260)

(1)

-

-

-

-

-

-

-

- 100,000

11,150,873

11

412,048

(307,779)

F-5

(1,190)

-

-

-

-

-

-

(1,190)

(34)

15,028

(3,451)

(2,258)

(22,260)

(1)

- 104,281

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Net loss
   Stock-based compensation
Issuance of common stock due to
exercise of 2018 and 2014 Warrants
(Note 10)
Issuance of common stock pursuant
to the September 2019 Common
Stock Offering and associated
Traditional Warrant exercises (Note
10)
Issuance of common stock pursuant
to the November 2019 Registered
Direct Offering (Note 10)
Initial measurement of Class B
Warrants  (Note 15)
Excess of consideration over
acquired assets (Note 1 and 5)
Issuance of Series E Shares (Note 8
and 17)
Redemptions on Series E Shares
(Note  17)
Deemed dividend for Series E
(Note 17)
Deemed dividend for Series E as
part of exchange (Note 8)
Deemed dividend equivalents on
Series E Shares related to
redemption value (Note 17)
Repurchase of beneficial
conversion feature with debt
extinguishment  (Note 8)
Beneficial conversion feature of
Series E convertible perpetual
preferred stock (Note 17)
Series E Dividends 2019  (Note 17)
Reversal of equity offering costs
accrued not payable
Other comprehensive loss

   28,158  28,158

(12,434)(14,302)

 9,339

 4,227

 (9,339)

(14,773)

 (34)

434,385                4

4,450

 2,910,090              30  9,259

 4,200,000              42  7,600

   (997)

(6,701)

 (9,570)

  (4,227)

 (8,518)

 9,339
 (2,650)

 1,500

(14,773)
(34)

4,454

9,289

7,642

(997)

(6,701)

-

-

 -

 (9,570)

 (4,227)

(8,518)

  9,339
  (2,650)

  1,500
(1,361) (1,361)

BALANCE, December 31, 2019

  15,724   18,083 100,000

  1 8,695,348

     87 411,499(322,552)

 (1,361) 87,674

The accompanying notes are an integral part of these consolidated financial statements.
*Adjusted to reflect the reverse stock splits effected in August 2019 (see Note 1 and 10)

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TOP SHIPS INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS
FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019

(Expressed in thousands of U.S. Dollars)

Cash Flows from Operating Activities:
Net loss
Adjustments to reconcile net loss to net cash
provided by operating activities:
Vessel depreciation
Other fixed assets depreciation
Equity losses/(gains) in unconsolidated joint ventures
Non-cash debt conversion expenses
Amortization and write off of deferred financing costs
Amortization of debt discount
Stock-based compensation expense
Change in fair value of derivative financial instruments
Write-off of short term debt
Non-cash operating lease expense
Amortization of prepaid bareboat charter hire
Other operating income
Impairment on unconsolidated joint ventures
Impairment on vessels
(Increase)/Decrease in:
Trade accounts receivable
Inventories
Prepayments and other
Due from related parties
Increase/(Decrease) in:
Due to related parties
Accounts payable
Accrued liabilities
Unearned revenue
Net Cash provided by Operating Activities

Cash Flows used in Investing Activities:
Advances for vessels under construction and capitalized expenses
Vessel acquisitions
Investments in unconsolidated joint ventures
Purchase of 10% of M/T Stenaweco Elegance
Acquisitions of other fixed assets, net
Net Cash used in Investing Activities

Cash Flows from Financing Activities:
Proceeds from debt
Proceeds from short-term debt
Proceeds from related party debt
Principal payments and prepayments of debt
Proceeds from issuance of Series C convertible preferred stock
Redemption of Series E Shares
Prepayment of  related party debt
Prepayment of short term debt
Prepayment of short term Notes
Excess of purchase price over book value of vessels
Proceeds from issuance of common stock
Proceeds from warrant exercises
Equity offering issuance costs
Payment of financing costs
Derivative financial instrument termination payments
Net Cash provided by Financing Activities

2017

2018

2019

(13,372)

(11,129)

(14,773)

5,744
120
27
842
1,640
7,500
(25)
(175)
(1,118)
-
1,657
(914)
-
-

(602)
(62)
436
34

(1,034)
(207)
1,196
(992)
695

(6,757)
(34,671)
(17,639)
-
-
(59,067)

24,849
68,790
3,148
(9,546)
7,500
-
(7,233)
-
-
(12,909)
9,726
1,567
(1,342)
(1,159)
-
83,391

6,390
373
(291)
-
1,305
2,504
(34)
(1,821)
(180)
-
1,657
-
-
-

(194)
58
(380)
(75)

2,621
695
203
(986)
716

(63,555)
-
(3,681)
(1,190)
-
(68,426)

28,500
32,783
26,152
(10,221)
-
-
(1,408)
(8,993)
(5,656)
(22,260)
5,781
2,330
(536)
(1,713)
-
44,759

12,392
50
(778)
-
1,812
324
(34)
(1,457)
-
1,478
-
-
3,144
12,310

173
(385)
180
75

(1,781)
1,462
1,665
3,337
19,194

(155,090)
(48,140)
-
-
(36)
(203,266)

252,969
6,760
-
(50,466)
-
(14,302)
-
(20,280)
-
-
18,892
4,619
(1,859)
(6,647)
(5)
189,681

Net increase/(decrease) in cash and cash equivalents and restricted cash

25,019

(22,951)

5,609

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Cash and cash equivalents and restricted cash at beginning of year

5,594

30,613

7,662

Cash and cash equivalents and restricted cash at end of the year

30,613

7,662

13,271

Cash breakdown
Cash and cash equivalents
Restricted cash, current
Restricted cash, non-current
SUPPLEMENTAL CASH FLOW INFORMATION

Capital   expenditures   included   in   Accounts   payable/Accrued   liabilities/Due   to
related parties

Interest paid, net of capitalized interest
Finance fees included in Accounts payable/Accrued liabilities/Due to related parties
Equity issuance costs included in liabilities
Shares issued in exchange for converting debt,  interest & finance fees
Settlement of notes with common stock issued (Note 8 and 10)
Elimination of beneficial conversion feature with debt extinguishment (Note 8)
Beneficial   conversion   feature   of   Series   E   perpetual   convertible   preferred   stock
(Note 17)
Settlement of related party debt, interest, finance fees and dividends with issuance
of Series E Shares   (Note 8 and 17)
Dividends payable included in Due to related parties (Note 17)
Excess of consideration over acquired assets (Note 1)
Transfer of R.O.U. asset balances after operating lease termination to Vessels, net
(Note 4b)
Carrying value of net assets of companies acquired (Note 1)
Reversal of equity offering costs not payable
 The accompanying notes are an integral part of these consolidated financial statements.

F-7

24,081
1,283
5,249

43
5,103
372
1,108
10,890
58,794
-

-

-
-
-

-
-
-

57
1,290
6,315

4,412
859
8,000

555
6,322
2,109
117
-
14,811
(3,451)

-

-
-
-

-
-
-

533
14,866
759
386
-
-
-

9,339

28,158
1,621
(6,701)

3,800
7,649
(1,500)

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

1.

Basis of Presentation and General Information:

The accompanying consolidated financial statements include the accounts of Top Ships Inc. (formerly Top Tankers Inc. and Ocean
Holdings Inc.) and its wholly owned subsidiaries (collectively the "Company"). Ocean Holdings Inc. was formed on January 10,
2000, under the laws of Marshall Islands and was renamed to Top Tankers Inc. and Top Ships Inc. in May 2004 and December
2007, respectively. The Company is an international provider of worldwide oil, petroleum products and chemicals transportation
services.

As of December 31, 2019, the Company was the sole owner of all outstanding shares of the following subsidiary companies. The
following list is not exhaustive as the Company has other subsidiaries relating to vessels that have been sold and that remain
dormant   for   the   periods   presented   in   these   consolidated   financial   statements   as   well   as   intermediary   companies   that   own
shipowning companies that are 100% subsidiaries of the Company.

Companies
 Top Tanker Management Inc.

Date of
Incorporation
May 2004

Country of
Incorporation
Marshall Islands

Activity
Management company

Wholly owned
Shipowning Companies
("SPC") with vessels in
operation during years
ended December 31, 2017,
2018 and 2019

1  Monte Carlo 71 Shipping

Company Limited

2   Monte   Carlo   One

Shipping Company Ltd

3   Monte   Carlo   Seven
Shipping Company Limited
4  Monte Carlo Lax Shipping

Company Limited

5  Monte Carlo 37 Shipping

Company Limited

6  Monte Carlo 39 Shipping

Company Limited

7  Eco Seven Inc.

8  Astarte International Inc.

9  

PCH77

Shipping

Company Limited
10 PCH Dreaming Inc.

11 South California Inc.

12 Malibu Warrior Inc.

Wholly owned SPCs with
vessels under
construction  during year
ended December 31, 2019

13Santa Catalina Inc.

14Santa Monica Inc.

June 2012

May  2013

April  2013

Date of
Incorporation
June 2014

Country of
Incorporation
Marshall
Islands
Marshall
Islands
Marshall
Islands
Marshall
Islands
September 2013 Marshall
Islands
December 2013 Marshall
Islands
February 2017 Marshall
Islands
Marshall
Islands

April 2017

January 2018

September 2017 Marshall
Islands
Marshall
Islands
Marshall
Islands
Marshall
Islands

January 2018

January 2018

Vessel
M/T Stenaweco Energy

M/T Stenaweco Evolution

M/T Stenaweco Excellence

M/T Nord Valiant

M/T Eco Fleet

M/T Eco Revolution

M/T Stenaweco Elegance

M/T Eco Palm Desert

Delivery Date

July  2014

March 2015

May 2016

August 2016

July 2015

January 2016

February 2017

September 2018

M/T Eco California

January 2019

M/T Eco Marina Del Ray

March 2019

M/T Eco Bel Air

M/T Eco Beverly Hills

April 2019

May 2019

Date of
Incorporation

Country of
Incorporation

December 2018 Marshall
Islands
December 2018 Marshall
Islands

F-8

Vessel
M/T Eco Los Angeles

Scheduled delivery date
February 2020 (delivered)

M/T Eco City of Angels

February 2020 (delivered)

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)
As of December 31, 2018 and 2019, the Company was the owner of 50% of outstanding shares of the following companies.

SPC
1 City of Athens Pte. Ltd.

2 Eco Nine Pte. Ltd.

Date of
Incorporation
November
2016
March 2015

Country of
Incorporation
Singapore

Vessel
M/T Eco Holmby Hills

Singapore

M/T Eco Palm Springs

Built Date
March 2018

May 2018

On February 20, 2017, the Company acquired a 40% ownership interest in Eco Seven Inc. ("Eco Seven"), a Marshall Islands
corporation, from Malibu Shipmanagement Co. ("Malibu"), a Marshall Islands corporation and wholly-owned subsidiary of the Lax
Trust, an irrevocable trust established for the benefit of certain family members of Evangelos J. Pistiolis, the Company's President,
Chief Executive Officer and Director, for an aggregate purchase price of $6,500, pursuant to a share purchase agreement. On March
30, 2017, the Company acquired another 9% ownership interest in Eco Seven from Malibu for an aggregate purchase price of
$1,500. On May 30, 2017, the Company acquired an additional 41% interest in Eco Seven from Malibu, for $6,500, increasing the
Company's interest to 90%. The Company controls the board and management of Eco Seven and thus consolidates  Eco Seven in its
financial statements from February 20, 2017 onwards. Eco Seven owns M/T Stenaweco Elegance, a 50,000 dwt product/chemical
tanker that was delivered from Hyundai Vinashin Shipyard Co., Ltd of Vietnam ("Hyundai") on February 28, 2017.

On March 30, 2017, the Company, acquired a 49% ownership interest in City of Athens Pte. Ltd ("City of Athens") from Fly Free
Company, a Marshall Islands corporation and wholly-owned subsidiary of the Lax Trust, for an aggregate purchase price of $4,200.
City of Athens was party to a newbuilding contract for the construction of M/T Eco Holmby Hills, a 50,000 dwt newbuilding
product/chemical tanker delivered from Hyundai in March 2018. Furthermore on March 30, 2017, the Company, acquired a 49%
ownership interest in Eco Nine Pte. Ltd ("Eco Nine") from Maxima International Co., a Marshall Islands corporation and wholly-
owned subsidiary of the Lax Trust, for an aggregate purchase price of $3,500. Eco Nine was a party to a newbuilding contract for
the construction of M/T Eco Palm Springs, a 50,000 dwt newbuilding product/chemical tanker delivered from Hyundai in May
2018. On June 14, 2017 the Company acquired an additional 1% interest in City of Athens and in Eco Nine for an aggregate
consideration of $157, increasing the Company's interest in both companies to 50%. The Company accounts for these acquisitions
as   investments   in   unconsolidated   joint   ventures   because   the   Company   does   not   have   control   over   the   two   abovementioned
companies, since they are jointly controlled by the two partners pursuant to a joint venture agreement (Note 18).

On April 26, 2017, the Company acquired a 100% ownership interest in Astarte International Inc. ("Astarte") from Indigo Maritime
Ltd, a Marshall Islands corporation and wholly-owned subsidiary of the Lax Trust, for an aggregate purchase price of $6,000.
Astarte   was   party   to   a   newbuilding   contract   for   the   construction   of   M/T   Eco   Palm   Desert,   a   50,000   dwt   newbuilding
product/chemical tanker delivered from Hyundai in September 2018.

On November 24, 2017, the Company acquired all of the outstanding shares of PCH77 Shipping Company Limited, a Marshall
Islands company that owns M/T Eco California, a 50,000 dwt newbuilding product/chemical tanker delivered on January 30, 2018
from Hyundai Mipo Dockyard Co., Ltd. in Korea from an entity affiliated with Evangelos J. Pistiolis. The Company paid $3,600 for
the outstanding shares.

On January 31, 2018 the Company acquired:

a.

100% of the issued and outstanding shares of PCH Dreaming Inc., a Marshall Islands company that had entered into a new
building contract for a high specification 50,000 dwt Medium Range ("MR") product/chemical tanker (M/T Eco Marina Del
Ray or Hull No 8242) under construction at Hyundai Mipo Dockyard Co., Ltd. in South Korea and delivered in March 2019. 
The Company acquired the shares from an entity affiliated with the Company's Chief Executive Officer, for an aggregate
purchase price of $3,950. The transaction specified that following its delivery, the vessel was going to enter into a time charter
with an entity affiliated with the seller for a firm duration of one year at a gross daily rate of $16,000, with a charterer's option
to extend for two additional years at $17,000 and $18,000, respectively. In June 2018 the Company cancelled without penalty
the abovementioned time charter and entered into a new 5 year time charter with Cargill International SA ("Cargill") at a gross
daily rate of $15,100.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise

stated)

b.

c.

d.

100% of the issued and outstanding shares of South California Inc., a Marshall Islands company that had entered into a new
building contract for a high specification, scrubber-equipped, 157,000 dwt Suezmax Crude Oil Carrier (M/T Eco Bel Air or
Hull No 874) under construction at Hyundai Samho Heavy Industries Co. Ltd. in South Korea and scheduled for delivery
during April 2019. The Company acquired the shares from an entity affiliated with the Company's Chief Executive Officer for
an aggregate purchase price of $8,950. The transaction specified that following its delivery, the vessel was going to enter into
a time charter with an entity affiliated with the Seller for a firm duration of one year at a gross daily rate of $25,000, with a
charterer's   option   to   extend   for   two   additional   years   at   $26,000   and   $27,000,   respectively.   In   June   2018   the   Company
cancelled without penalty the abovementioned time charter and entered into a new 3 year time charter with BP Shipping
Limited at a gross daily rate of $24,500, with a charterer's option to extend for two additional years at $28,000 and $29,500,
respectively.
100% of the issued outstanding shares of Malibu Warrior Inc., a Marshall Islands company that had entered into a new
building contract for a high specification, scrubber-equipped, 157,000 dwt Suezmax Crude Oil Carrier (M/T Beverly Hills or
Hull No 875) under construction at Hyundai Samho Heavy Industries Co. Ltd. in South Korea and scheduled for delivery
during May 2019. The Company acquired the shares from an entity affiliated with the Company's Chief Executive Officer for
an aggregate purchase price of $8,950. The transaction specified that following its delivery, the vessel was going to enter into
a time charter with an entity affiliated with the Seller for a firm duration of one year at a gross daily rate of $25,000, with a
charterer's   option   to   extend   for   two   additional   years   at   $26,000   and   $27,000,   respectively.   In   June   2018   the   Company
cancelled without penalty the abovementioned time charter and entered into a new 3 year time charter with BP Shipping
Limited at a gross daily rate of $24,500, with a charterer's option to extend for two additional years at $28,000 and $29,500,
respectively.
10% of the issued and outstanding shares of Eco Seven Inc., the owner of M/T Stena Elegance. The Company acquired the
shares from an entity affiliated with the Company's Chief Executive Officer for an aggregate purchase price of $1,600. As a
result of the transaction the Company owns 100% of the issued and outstanding shares of Eco Seven Inc.

On December 18, 2019 the Company acquired 100% of the issued and outstanding shares of Santa Catalina Inc. and Santa Monica
Inc two Marshall Islands companies that had entered into new building contracts for two high specification 50,000 dwt Medium
Range ("MR") product/chemical tankers (M/T Eco Los Angeles and M/T Eco City of Angels) under construction at Hyundai Mipo
Dockyard Co., Ltd. in South Korea and delivered in February 2020. The Company acquired the shares from an entity affiliated with
the Company's Chief Executive Officer, for an aggregate purchase price of $14,350, $7,515 of which was payable upon purchase of
the vessel owning companies and another $6,835 payable upon delivery of the vessels from the shipyard. The transaction specified
that following each vessel's delivery, each vessel was going to enter into a time charter with Trafigura Maritime Logistics Pte Ltd
("Trafigura") for a firm duration of three years at a gross daily rate of $17,500, with a charterer's option to extend for two additional
years at $18,750 and $20,000, respectively. Both acquired companies had already advanced $7,515 of shipyard installments and
$134 of capitalized expenses for the construction of said newbuilding vessels.

Each of the acquisitions was approved by a special committee of the Company's board of directors, (the "Transaction Committee"),
of which all of the directors were independent.  The Company accounted for the abovementioned acquisitions as a transfer of assets
between entities under common control and has recognized the vessels at their historical carrying amounts at the date of transfer. In
the course of its deliberations, the Transaction Committee hired and obtained a fairness opinion from an independent financial
advisor.

The amount of the consideration given in excess of the historical carrying value of the net assets acquired is recognized as a
reduction to the Company's additional paid in capital and presented as Excess of consideration over the carrying value of acquired
assets in the Company's consolidated statement of stockholders' equity for the twelve months ended December 31, 2018 and 2019
respectively. An analysis of the consideration paid is presented in the table below:

As of December 31, 2018:

Consideration in cash
Less: Carrying value of net assets of companies acquired
Excess of consideration over acquired assets

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23,450
1,190
22,260

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

As of December 31, 2019:

Fair Value of consideration
Less: Carrying value of net assets of companies acquired
Excess of consideration over acquired assets

14,350
7,649
6,701

On August 22, 2019 the Company effected a 1-for-20 reverse stock split of its common stock. There was no change in the number
of authorized common shares of the Company. All numbers of share and earnings per share amounts in these financial statements
have been retroactively adjusted to reflect this reverse stock split.

2.

Significant Accounting Policies:

(a) Principles of Consolidation: The accompanying consolidated financial statements have been prepared in accordance with
accounting   principles   generally   accepted   in   the   United   States   of   America   ("U.S.   GAAP")   and   include   the   accounts   and
operating results of Top Ships Inc. and its subsidiaries referred to in Note 1. Intercompany balances and transactions have been
eliminated on consolidation. Non-controlling interests are stated at the non-controlling interest's proportion of the net assets of
the subsidiaries where the Company has less than 100% interest. Subsequent to initial recognition the carrying amount of non-
controlling interest is increased or decreased by the non-controlling interest's share of subsequent changes in the equity of such
subsidiaries. Total comprehensive income is attributed to a non-controlling interest even if this results in a deficit balance.
Changes  in  the  Company's  ownership  interests  in  subsidiaries  that  do  not  result   in  the  Company  losing  control  over  the
subsidiaries are accounted for as equity transactions. The carrying amounts of the Company's interests and the non-controlling
interests are adjusted to reflect the changes in their relative interests in the subsidiaries. Any difference between the amount by
which the non-controlling interests are adjusted and the fair value of the consideration paid or received is recognized directly in
equity and attributed to owners of the Company.

(b) Use of Estimates: The preparation of consolidated financial statements in conformity with U.S. GAAP 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 consolidated financial statements and the reported amounts of revenues and expenses during the
reporting period. Actual results could differ from those estimates. Critical estimates mainly include impairment of vessels,
vessel useful lives and residual values and fair values of derivative instruments.

(c) Foreign   Currency   Translation:   The   Company's   functional   currency   is   the   U.S.   Dollar   because   all   vessels   operate   in
international shipping markets, and therefore primarily transact business in U.S. Dollars. The Company's books of account are
maintained in U.S. Dollars. Transactions involving other currencies during the year are converted into U.S. Dollars using the
exchange rates in effect at the time of the transactions. At the balance sheet dates, monetary assets and liabilities, which are
denominated in other currencies are translated to U.S. Dollars based on the year-end exchange rates and any gains and losses
are included in the statement of comprehensive loss.

(d) Cash and Cash Equivalents: The Company considers highly liquid investments such as time deposits and certificates of

deposit with an original maturity of three months or less to be cash equivalents.

(e) Restricted Cash: The Company considers amounts that are pledged, blocked, held as cash collateral, required to be maintained
with a specific bank or be maintained by the Company as minimum cash under the terms of a loan agreement, as restricted and
these amounts are presented separately on the balance sheets. In the event original maturities are shorter than twelve months,
such deposits are presented as current assets while if original maturities are longer than twelve months, such deposits are
presented as non-current assets.

(f) Trade Accounts Receivable, net: The amount shown as trade accounts receivable, net at each balance sheet date, includes
estimated recoveries from charterers for hire billings, net of a provision for doubtful accounts. At each balance sheet date, all
potentially uncollectible accounts are assessed individually, combined with the application of a historical recoverability ratio,
for purposes of determining the appropriate provision for doubtful accounts. The Company assessed that it had no potentially
uncollectible accounts and hence formed no provision for doubtful accounts at December 31, 2018 and 2019 respectively.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise

stated)

(g) Inventories: Inventories consist of lubricants and paints on board the vessels. Inventories are stated at the lower of cost and net

realizable value. Cost, which consists of the purchase price, is determined by the first in, first out method.

(h)   Vessel Cost: Vessels are stated at cost, which consists of the contract price, pre-delivery costs and capitalized interest incurred
during the construction of new building vessels, and any material expenses incurred upon acquisition (improvements and
delivery costs). Subsequent expenditures for conversions and major improvements are also capitalized when they appreciably
extend the life, increase the earning capacity or improve the efficiency or safety of the vessels. Repairs and maintenance are
charged to expense as incurred and are included in Vessel operating expenses in the accompanying consolidated statements of
comprehensive loss.

(i)  Impairment of Long-Lived Assets: The Company evaluates the existence of impairment indicators whenever events or changes
in circumstances indicate that the carrying values of the Company's long lived assets are not recoverable. Such indicators of
potential impairment include, vessel sales and purchases, business plans and overall market conditions. If there are indications
for   impairment   present,   the   Company   determines   undiscounted   projected   net   operating   cash   flows   for   each   vessel   and
compares it to the vessel's carrying value. If the carrying value of the related vessel exceeds its undiscounted future net cash
flows, the carrying value is reduced to its fair value, and the difference is recognized as an impairment loss. The impairment
tests the Company conducted as of December 31, 2019, showed that there are no impairment indications for any vessels of the
Company's fleet other than the Company's two MR1 Tankers (M/T Eco Fleet and M/T Eco Revolution) that were written down
to their fair market values less costs to sell.

(j)   Vessel Depreciation: Depreciation is calculated using the straight-line method over the estimated useful life of the vessels, after
deducting the estimated salvage value. Each vessel's salvage value is equal to the product of its lightweight tonnage and
estimated scrap rate, of $300 per lightweight ton. Management estimates the useful life of the Company's vessels to be 25 years
from the date of initial delivery from the shipyard. Second hand vessels are depreciated from the date of their acquisition
through their remaining estimated useful life. When regulations place limitations over the ability of a vessel to trade on a
worldwide basis, its useful life is adjusted at the date such regulations are adopted.

(k) Long Lived Assets Held for Sale: The Company classifies vessels as being held for sale when the following criteria are met:
(a) management, having the authority to approve the action, commits to a plan to sell the asset, (b) the asset is available for
immediate sale in its present condition subject only to terms that are usual and customary for sales of such assets, (c) an active
program to locate a buyer and other actions required to complete the plan to sell the asset have been initiated, (d) the sale of the
asset is probable and transfer of the asset is expected to qualify for recognition as a completed sale, within one year, (e) the
asset is being actively marketed for sale at a price that is reasonable in relation to its current fair value, (f) actions required to
complete the plan indicate that it is unlikely that significant changes to the plan will be made or that the plan will be withdrawn.

Long-lived assets classified as held for sale are measured at the lower of their carrying amount or fair value less costs to sell.
These vessels are not depreciated once they meet the criteria to be classified as held for sale.

Long-lived assets previously classified as held for sale that are classified as held and used are revalued at the lower of (a) the
carrying amount of the asset before it was classified as held for sale, adjusted for any depreciation expense that would have
been recognized had the asset been continuously classified as held and used and (b) the fair value of the asset at the date that
the Company decided not to sell the asset.

(l)  Other Fixed Assets, Net: Other fixed assets, net, consist of furniture, office equipment, and cars, stated at cost, which consists
of the purchase/contract price less accumulated depreciation. Depreciation is calculated using the straight-line method over the
estimated useful life of the assets as presented below:

Description

Cars
Office equipment
Furniture and fittings
Computer equipment

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Useful Life
(years)
6
5
5
3

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise

stated)

(m) Accounting for Dry-Docking Costs: All dry-docking and special survey costs are expensed in the period incurred.

(n) Financing Costs: Fees incurred and paid to the lenders for obtaining new loans or refinancing existing ones are recorded as a
contra to debt and such fees are amortized to interest and finance costs over the life of the related debt using the effective
interest method. Unamortized fees relating to loans repaid or refinanced are expensed when a repayment or refinancing is made
and charged to interest and finance costs.

(o) Accounting for Revenue and Expenses: Revenues are generated from time charter arrangements. A time charter is a contract
for the use of a vessel for a specific period of time and a specified daily charter hire rate, which is generally payable monthly in
advance. Time charter revenue is only recognized when an agreement exists, the price is fixed, service is provided and the
collection of the related revenue is reasonably assured. Revenue is shown net of address commissions, if applicable, payable
directly   to   charterers   under   the   relevant   charter   agreements.   Address   commissions   represent   a   common   market   practice
discount (sales incentive) on services rendered by the Company and no identifiable benefit is received in exchange for the
consideration provided to the charterer. Commissions on time charter revenues are recognized on a pro rata basis over the
duration of the period. Time charter revenue is recognized as earned on a straight-line basis over the term of the relevant time
charter starting from the vessel's delivery to the charterer, except for any off-hire period.  Revenue generated from variable
lease payments is recognized in the period when changes in the facts and circumstances on which the variable lease payments
are based occur. The Company elected to not separate the lease and non-lease components included in the time charter revenue
because (i) the pattern of revenue recognition for the lease and non-lease components (included in the daily hire rate) is the
same and (ii) the lease component would be classified as an operating lease. The daily hire rate represents the hire rate for a
bare boat charter as well as the compensation for expenses incurred running the vessel such as crewing expense, repairs,
insurance, maintenance and lubes. Both the lease and non-lease components are earned by passage of time. Under a time
charter   agreement,   vessel   operating   expenses   such   as   management   fees,   crew   wages,   provisions   and   stores,   technical
maintenance and insurance expenses and broker's commissions are paid by the vessel owner, whereas voyage expenses such as
bunkers, port expenses, agents' fees, and extra war risk insurance are paid by the charterer. Vessel operating expenses are
expensed as incurred. Unearned revenue represents cash received prior to year-end related to revenue applicable to periods
after December 31 of each year.

When vessels are acquired with time charters attached and the rates on such charters are below or above market on the
acquisition date, the Company allocates the total cost between the vessel and the fair value of the attached time charter based
on the relative fair values of the vessel and the liability or asset acquired. The fair value of the attached time charter is
computed as the present value of the difference between the contractual amount to be received over the term of the time charter
and management's estimates of the market time charter rate at the time of acquisition. The fair value of below or above market
time charter is recognized as an intangible liability or asset respectively and is amortized over the remaining period of the time
charter as an increase or decrease to revenues.

The Company pays commissions to ship brokers associated with arranging the Company's charters. These commissions are
recognized over the related charter period and are included in voyage expenses.

Voyage charters

In a voyage charter contract, the charterer hires the vessel to transport a specific agreed-upon cargo for a single voyage, which
may contain multiple load ports and discharge ports. The consideration in such a contract is determined on the basis of a freight
rate per metric ton of cargo carried or occasionally on a lump sum basis. The charter party generally has a minimum amount of
cargo. The charterer is liable for any short loading of cargo or "dead" freight. The voyage contract generally has standard
payment terms of 95% freight paid within three days after completion of loading. 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 Company determined that its voyage charter contracts consist of a single performance obligation of
transporting the cargo within a specified time period. Therefore, the performance obligation is met evenly as the voyage
progresses and the revenue is recognized on a straight- line basis over the voyage days from the commencement of the loading
of cargo to completion of discharge.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

The voyage contracts are considered service contracts which fall under the provisions of ASC 606 because the Company, as the
shipowner, retains the control over the operations of the vessel such as directing the routes taken or the vessel speed. The
voyage contracts generally have variable consideration in the form of demurrage or despatch.

 In a voyage charter contract, the Company bears all voyage related costs such as fuel costs, port charges and canal tolls. These 
                     costs are considered contract fulfillment costs because the costs are direct costs related to the performance of the
contract and are expected to be recovered. The costs incurred during the period prior to commencement of loading the cargo,
primarily bunkers, are deferred as they represent setup costs and recorded as a current asset and are amortized on a straight-line
basis as the related performance obligations are satisfied.

(p)  Stock Incentive Plan: All share-based compensation related to the grant of restricted and/or unrestricted shares provided to
employees and to non-employee directors as well as to third party consultants and service providers for their services provided
is included in "general and administrative expenses" in the consolidated statements of comprehensive loss. The shares that do
not contain any future service vesting conditions are considered vested shares and recognized in full on the grant date. The
shares that contain a time-based service vesting condition are considered non-vested shares on the grant date and recognized on
a straight-line basis over the vesting period. The shares granted to employees or directors and to non-employees, vested and
non-vested, are measured at fair value which is equal to the market value of the Company's common stock on the grant date.

 (q)  Earnings / (Loss)  per Share: Basic earnings/(loss) per share are computed by dividing net income or loss available to
common stockholders by the weighted average number of common shares  outstanding during the year. Diluted earnings per
share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised. For
purposes of calculating diluted earnings per share the denominator of the diluted earnings per share calculation includes the
incremental   shares   assumed   issued   under   the   treasury   stock   method   weighted   for   the   period   the   non-vested   shares   were
outstanding. The computation of diluted earnings per share also reflects the potential dilution that could occur if warrants to
issue common stock were exercised, to the extent that they are dilutive, using the treasury stock method, the potential dilution
that could occur if convertible preferred stock were converted, using the if-converted method as well as the potential dilution
that could occur if the Company completed all sales pursuant to common stock purchase agreements, using the if-converted
method.   Finally   net   income   or   loss   available   to   common   stockholders   is   reduced   to   reflect   any   deemed   dividends   on
convertible preferred stock, weighted for the period the convertible preferred shares were outstanding.

(r)  Derivatives and Hedging, Hedge Accounting:  The Company records every derivative instrument (including certain derivative
instruments embedded in other contracts) on the balance sheet as either an asset or liability measured at its fair value, with
changes in the derivatives' fair value recognized in earnings unless specific hedge accounting criteria are met.

At the inception of a hedge relationship, the Company formally designates and documents the hedge relationship to which the
Company wishes to apply hedge accounting and the risk management objective and strategy undertaken for the hedge. The
documentation includes  identification of the  hedging  instrument, hedged  item or  transaction, the nature of the  risk being
hedged and how the entity will assess the hedging instrument's effectiveness in offsetting exposure to changes in the hedged
item's cash flows attributable to the hedged risk. Such hedges are expected to be highly effective in achieving offsetting
changes in cash flows and are assessed on an ongoing basis to determine whether they actually have been highly effective
throughout   the   financial   reporting   periods   for   which   they   were   designated.   Contracts   which   meet   the   criteria   for   hedge
accounting are accounted for as cash flow hedges. A cash flow hedge is a hedge of the exposure to variability in cash flows that
is attributable to a particular risk associated with a recognized asset or liability, or a highly probable forecasted transaction that
could affect profit or loss. The effective portion of the gain or loss on the hedging instrument is recognized directly as a
component   of   "Accumulated   other   comprehensive   income"   in   equity,   while   the   ineffective   portion,   if   any,   is   recognized
immediately in current period earnings. The Company discontinues cash flow hedge accounting if the hedging instrument
expires and it no longer meets the criteria for hedge accounting or designation is revoked by the Company. At that time, any
cumulative gain or loss on the hedging instrument recognized in equity is kept in equity until the forecasted transaction occurs.
When the forecasted transaction occurs, any cumulative gain or loss on the hedging instrument is recognized in the statement of
income.   If   a   hedged   transaction   is   no   longer   expected   to   occur,   the   net   cumulative   gain   or   loss   recognized   in   equity   is
transferred to net profit or loss for the year as a component of "Loss on derivatives".

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise

stated)

(s)  Financial liabilities: Financial liabilities are classified as either financial liabilities at 'fair value through the profit and loss'
("FVTPL") or 'other financial liabilities'. Financial instruments classified as FVTPL are recognized at fair value in the balance
sheet   when   the   Company   has   an   obligation   to   perform   under   the   contractual   provisions   of   those   instruments.   Financial
instruments are classified as liabilities or equity in accordance with the substance of the contractual arrangement. Changes in
the financial instruments are recognized in earnings, except in the cases where these financial instruments fall  under the
guidance in ASC 815-40, where they are initially classified in equity and are initially measured at fair value in permanent
equity and subsequent changes in fair value are not subsequently measured. Other financial liabilities (including borrowings
and trade and other payables) are subsequently measured at amortized cost using the effective interest rate method.

(t)  Segment Reporting: The Chief Operating Decision Maker ("CODM"), Mr. Evangelos J. Pistiolis, receives financial information
and evaluates the Company's operations by charter revenues and not by the length, type of vessel or type of ship employment
for its customers (i.e. time or bareboat charters) or by geographical region as the charterer is free to trade the vessel worldwide
and   as   a   result,   the   disclosure   of   geographic   information   is   impracticable.   The   CODM   does   not   use   discrete   financial
information to evaluate the operating results for each such type of charter or vessel. Although revenue can be identified for
these   types   of   charters   or   vessels,   management   cannot   and   does   not   identify   expenses,   profitability   or   other   financial
information for these various types of charters or vessels. As a result, management, including the CODM, reviews operating
results solely by revenue per day and operating results of the fleet, and thus the Company has determined that it operates as one
reportable segment.

(u)  Sale-leaseback transactions: In accordance with ASC 842, the Company, as seller-lessee, determines whether the transfer of an
asset should be accounted for as a sale in accordance with ASC 606 (existence of a contract and satisfaction of performance
obligation by transferring of the control of the asset). The existence of an option for the seller-lessee to repurchase the asset
precludes the accounting for the transfer of the asset as a sale unless both of the following criteria are met: (1) the exercise
price of the  option  is  the fair value of the asset at  the time the option is exercised;  and (2) there  are  alternative assets,
substantially the same as the transferred asset, readily available in the marketplace; and the classification of the leaseback as a
finance lease or a sales-type lease, precludes the buyer-lessor from obtaining control of the asset. If the transfer of the asset
meets the criteria of sale, the Company, as seller-lessee recognizes the transaction price for the sale when the buyer-lessor
obtains control of the asset, derecognizes the carrying amount of the underlying asset and accounts for the lease in accordance
with ASC 842. If the transfer does not meet the criteria of sale, the Company does not derecognize the transferred asset,
accounts   for   any   amounts   received   as   a   financing   arrangement   and   recognizes   the   difference   between   the   amount   of
consideration received and the amount of consideration to be paid as interest.

(v) Beneficial conversion feature: A beneficial conversion feature is defined as a non-detachable conversion feature that is in the
money at the commitment date. The beneficial conversion feature guidance requires recognition of the conversion option's in-
the-money portion, the intrinsic value of the option, in equity, with an offsetting reduction to the carrying amount of the
instrument. The resulting discount is amortized as a dividend over either the life of the instrument, if a stated maturity date
exists, or to the earliest conversion date, if there is no stated maturity date. If the earliest conversion date is immediately upon
issuance, the dividend must be recognized at inception. When there is a subsequent change to the conversion ratio based on a
future occurrence, the new conversion price may trigger the recognition of an additional beneficial conversion feature on
occurrence.

 (w)  Investments in unconsolidated joint ventures: The Company's investments in unconsolidated joint ventures are accounted for
using the equity method of accounting. Under the equity method of accounting, investments are stated at initial cost and are
adjusted for subsequent additional investments and the Company's proportionate share of earnings or losses and distributions.
The   Company   evaluates   its   investments   in   unconsolidated   joint   ventures   for   impairment   when   events   or   circumstances
indicate that the carrying value of such investments may have experienced other than temporary decline in value below their
carrying value. If the estimated fair value is less than the carrying value and is considered other than a temporary decline, the
carrying  value  is   written   down   to   its   estimated   fair   value   and   the  resulting   impairment   is   recorded   in   the   Consolidated
Statements of comprehensive loss.

  (x)  Other Comprehensive Income: The Company follows the provisions of guidance regarding reporting comprehensive income
which requires separate presentation of certain transactions, such as unrealized gains and losses from effective portion of cash
flow hedges, which are recorded directly as components of stockholders' equity

 (y)   Recent Accounting Pronouncements:

New Accounting Pronouncements - Adopted

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

Financial Instruments - Derivatives Held or Issued: In August 2017, the FASB issued ASU 2017-12, Targeted Improvements to
Accounting   for   Hedging   Activities.     ASU   2017-12   amends   the   current   hedge   accounting   model   and   requires   certain   new   or
modified   disclosures   to   enable   entities   to   better   portray   the   economics   of   their   risk   management   activities   in   their   financial
statements. The Company adopted this ASU for the reporting period commencing on January 1, 2019 and accordingly all relative
hedge accounting disclosures have been amended to comply with the new standard (Note 15).

In July 2017, the FASB issued ASU No. 2017-11, "Earnings Per Share, Distinguishing Liabilities from Equity, and Derivatives and
Hedging" ("ASU No. 2017-11"), which changes the classification of certain equity-linked financial instruments with down round
features. As a result, a free standing equity-linked financial instrument or an embedded conversion option would not be accounted
for as a derivative liability at fair value as a result of existence of a down round feature. For freestanding equity classified financial
instruments, the amendment requires the entities to recognize the effect of the down round feature when triggered in its earnings per
share calculations. The Company adopted this ASU for the reporting period commencing on January 1, 2019 and accordingly all
equity-linked financial instruments of the Company have now been reassessed by applying ASU No. 2017-11, however this resulted
in no changes to the classification of any of the Company's equity-linked financial instruments (Note 15).

In June 2018, the FASB issued ASU 2018-07, "Compensation–Stock Compensation (Topic 718): Improvements to Nonemployee
Share-Based   Payment   Accounting."   This   ASU   expands   the   scope   of   Topic   718,   which   currently   only   includes   share-based
payments issued to employees, to also include share-based payments issued to nonemployees for goods and services. Currently,
nonemployee awards are measured at the fair value of the consideration received or the fair value of the equity instruments issued,
whichever can be more reliably measured. Under ASU 2018-07, equity-classified nonemployee awards within the scope of Topic
718   will   be   measured   at   grant-date   fair   value.   The   ASU   simplified   the   accounting   for   share-based   payments   granted   to
nonemployees for goods and services, therefore guidance on such payments to nonemployees would be mostly aligned with the
requirements   for   share-based   payments   granted   to   employees.   The   Company   adopted   this   ASU   for   the   reporting   period
commencing on January 1, 2019 with no impact on its financial statements since the Company has no nonemployee share-based
payment schemes.

Leases

On January 1, 2019, the Company adopted ASU No. 2016-02, Leases (ASC 842), as amended from time to time, using the
modified retrospective transition method. The Company elected to apply the additional and optional transition method to existing
leases at the beginning of the period of adoption through a cumulative effect adjustment to the opening retained earnings as of
January 1, 2019. The prior period comparative information has not been restated and continues to be reported under the accounting
guidance in effect for those periods (ASC 840), including the disclosure requirements. The Company elected to apply the package
of practical expedients under ASC 842, which allowed the Company, not to reassess (i) whether any existing contracts, on the date
of adoption, contained a lease, (ii) lease classification of existing leases classified as operating leases in accordance with ASC 840
and (iii) initial direct costs for any existing leases. In addition the  Company elected to not separate the lease and non-lease
components included in the time charter revenue or operating lease payments.

On adoption of ASC 842, the Company determined that all time charter-out contracts are considered operating leases and therefore
fall   under   the  scope  of  ASC  842   because:  (i)  the  vessel   is   an  identifiable   asset;   (ii)  the  Company.  As   lessor,   does  not   have
substantive substitution rights; and (iii) the charterer, as lessee, has the right to control the use of the vessel during the term of the
contract and derives the economic benefits from such use. The Company's accounting for time charter out contracts was not
impacted by the adoption of ASC 842 as the accounting is consistent with the Company's prior policy.

On January 1, 2019, the Company, as lessee, recognized an operating  lease right-of-use asset and lease liability measured at the
present value of outstanding lease payment obligations under ASC 840. In addition the deferred loss, previously described as
Prepaid bareboat charter hire income, under ASC 840, amounting to $5,277 on January 1, 2019 was reclassified to the right-of-use
asset upon adoption of ASC 842. Furthermore, the Company upon adoption of ASC 842 assumed that it will not exercise the
purchase options under its lease contracts.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

The following table shows the impact of the adoption of ASC 842 on the Company's current period consolidated balance sheet as
compared to the previous lease accounting standard, ASC Topic 840, Leases ("ASC 840") as of January 1, 2019:

 As of January 1, 2019:

Current assets:
Prepaid bareboat charter hire
Other noncurrent assets:
Prepaid bareboat charter hire
Fixed assets:
Right of use assets from operating leases
Other current liabilities:
Current portion of Operating lease liabilities
Other noncurrent liabilities:
Non-current portion of Operating lease liabilities

Under ASC
842

Under ASC
840

Increase/(decrease)

-
-
-
-

21,905

4,771

11,857

1,656

3,621

-

-

-

(1,656)

(3,621)

21,905

4,771

11,857

The discount rate used to calculate the present value of lease payments was calculated by taking into account the original lease term
and lease payments and was estimated to be 9.09% (same as weighted average discount rate), which was the rate inherent in the
lease on the lease inception. The cash paid for operating leases with original terms greater than 12 months was $5,576 for the year
ended December 31, 2019

Operating lease right of use ("ROU") assets and liabilities are recognized at the commencement date of an arrangement based on
the present value of lease payments over the lease term. The operating lease ROU asset also includes any lease payments made to
the lessor prior to lease commencement, less any lease incentives, and initial direct costs incurred. Lease expense for operating
lease payments is recognized on a straight-line basis over the lease term.

All of the Company's Sale and Leasebacks accounted as financings have been re-evaluated under ASC 842 and the Company
continues to account for them as financings.

Accounting standards issued but not yet adopted

The   FASB   has   issued   accounting   standards   that   have   not   yet   become   effective   and   may   impact   the   Company's   consolidated
financial statements or related disclosures in future periods. These standards and their potential impact are discussed below:

Fair Value Measurement Disclosures — In August 2018, the FASB issued ASU No. 2018-13, "Disclosure Framework—Changes to
the Disclosure Requirements for Fair Value Measurement" ("ASU No. 2018-13"). ASU No. 2018-13, which is part of the FASB's
broader disclosure framework project, modifies and supplements the current U.S. GAAP disclosure requirements pertaining to fair
value measurements, with an emphasis on Level 3 disclosures of the valuation hierarchy. ASU No. 2018-13 is effective on January
1, 2020, with early adoption permitted. The adoption of ASU No. 2018-13 is currently not expected to have a material impact on
the Company's consolidated financial statements as it relates to disclosure only.

In November 2018, the FASB issued ASU 2018-19, Codification Improvements to Topic 326: Financial Instruments - Credit
Losses. This update is an amendment to the new credit losses standard, ASU 2016-13, Financial Instruments—Credit Losses (Topic
326): Measurement of Credit Losses on Financial Instruments, that was issued in June 2016 and clarifies that operating lease
receivables   are   not   within   the   scope   of   Topic   326.The   new   credit   losses   standard   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.  ASU No. 2016-13 is effective on January 1, 2020, with early
adoption permitted. The adoption of this ASU is not expected to have a material effect on the Company's consolidated financial
statements.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

3.

Going Concern:

At December 31, 2019, the Company had a working capital deficit of $24,675 and cash and cash equivalents of $4,412 and for the
year ended December 31, 2019 incurred a net loss of $(14,773) and generated cash flow from operations of $19,194. In addition as
of December 31, 2019, the Company had remaining contractual commitments for the vessels it had contracted to acquire totaling
$64,048 and available committed undrawn loan facilities of $60,200.

From January 2020 up to the date of issuance of these financial statements  the Company sold four tankers, namely the M/T Eco
Fleet, the M/T Eco Revolution, the M/T Stenaweco Elegance and the M/T Eco Palm Desert (see Note 20), which resulted in net
aggregate proceeds of $24,798 after costs and fees relating to the sales and to the prepayment of related debt facilities (including the
release of restricted cash relating to loan covenants and any time charter termination fees). In addition the Company's 50% owned
subsidiaries entered into agreements to each sell its owned vessel and the Company estimates it will receive cash dividends as a
result of these sales of $19,696. All the contractual commitments have been settled as of the date of issuance of these financial
statements.

The Company believes it has adequate funding through the sources described above as well as the cash generated from sale of
common shares subsequent to the year end (refer note 20) and, accordingly, it believes it has the ability to continue as a going
concern and finance its obligations as they come due over the next twelve months following the date of the issuance of these
financial statements. Consequently, the consolidated financial statements have been prepared on a going concern basis, which
contemplates the realization of assets and satisfaction of liabilities in the normal course of business.

4(a) Advances for vessels acquisitions / under construction:

An analysis of Advances for vessels acquisitions / under construction is as follows:

Balance, December 31, 2017
— Advances paid
— Capitalized expenses
— Transferred to Vessels
Balance, December 31, 2018
— Advances paid
— Capitalized expenses
— Transferred to Vessels, net
Balance, December 31, 2019

Advances
for vessels
acquisitions
/ under
construction
6,757
60,731
3,346
(32,090)
38,744
158,905
3,812
(189,220)
12,241

In the year ended December 31, 2018, Advances for the construction of newbuilding vessels relate to M/T Eco Palm Desert, M/T
Eco California, M/T Eco Marina Del Ray, M/T Eco Bel Air and M/T Eco Beverly Hills of $25,347, $14,392, $7,288, $8,531 and
$8,519 respectively. On September 7, 2018, the Company took delivery of M/T Eco Palm Desert from Hyundai and hence advances
paid and capitalized expenses relating to the vessel were transferred from Advances for vessels acquisitions / under construction to
Vessels, net.

On January 30, March 13, April 5 and May 9, 2019, the Company took delivery of M/T Eco California, M/T Eco Marina Del Ray,
M/T Eco Bel Air and M/T Eco Beverly Hills respectively from Hyundai (the first two vessels from Hyundai Mipo Dockyard and
the second two vessels from Hyundai Samho Dockyard) and hence advances paid and capitalized expenses relating to the vessels
were transferred from Advances for vessels acquisitions / under construction to Vessels, net. For the year ended December 31, 2019,
the balance of Advances for vessels acquisitions / under construction relate to M/T Eco Los Angeles and M/T Eco City of Angels
and consist of $6,169 and $6,072 respectively, out of which $533 and $435 relate to capitalized expenses.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

4(b) Vessels, net:

The amounts in the accompanying consolidated balance sheets are analyzed as follows:

Balance, December 31, 2017
— Transferred from advances for vessels acquisitions / under construction
— Depreciation
Balance, December 31, 2018
— Transferred from advances for vessels acquisitions / under construction
— Acquisitions
— Impairment
— Transferred to Assets held for sale
— Depreciation
Balance, December 31, 2019

In 2018 and 2019 the Company took delivery of the following vessels:

Vessel Name

M/T Eco Palm Desert
Subtotal 2018
M/T Eco California
M/T Eco Marina Del Ray
M/T Eco Bel Air
M/T Eco Beverly Hills
Subtotal 2019

Delivery Date

September 7, 2018

January 30, 2019
March 13, 2019
April 5, 2019
May 9, 2019

Vessel Cost
164,694
32,090
-
196,784
189,220
51,940
(22,254)
(43,147)
-
372,543

Accumulated
Depreciation
(9,759)
-
(6,390)
(16,149)
-
-
9,944
-
(12,392)
(18,597)

Net Book
Value
154,935
32,090
(6,390)
180,635
189,220
51,940
(12,310)
(43,147)
(12,392)
353,946

Yard
Installments
29,994
29,994
34,313
35,787
57,133
57,133
184,366

Capitalized
Expenses
2,096
2,096
1,270
1,066
1,209
1,309
4,854

Final Cost

32,090
32,090
35,583
36,853
58,342
58,442
189,220

The Company's vessels have been mortgaged as security under its loan facilities (see Note 9).

On November 18 and November 20, 2019, the Company exercised the purchase options on its operating leases and purchased M/T
Stenaweco   Energy   and   M/T   Stenaweco   Evolution   for   $23,953   and   $24,187   respectively.   M/T   Stenaweco   Energy   and   M/T
Stenaweco   Evolution  book   value  has   been   increased   by  $2,477   and   $1,323  respectively,  corresponding   to   the   transfer   of   the
respective ROU asset balances to each vessel upon termination of the lease, as per ASC 842-20-40-2.

4(c)

Assets held for sale:

The Company decided to divest from tankers weighing less than 50,000 dwt and hence the M/T Eco Fleet and M/T Eco Revolution
met the criteria to be classified as assets held for sale on  December 12, 2019 according to guidance in ASC 360. Consequently the
Company has treated the vessels including their inventories on board as Assets held for sale and has classified them as a current
asset measured at the lower of the carrying amount and fair value less costs to sell as determined by the Company and supported by
an unrelated third party offer to buy the vessels. The related loans are also classified as short term in a separate balance sheet line
from the other non-current portion of debt. The Company has recognized an impairment charge of $6,779 for the M/T Eco Fleet and
$5,531   for   the   M/T   Eco   Revolution   to   reduce   their   carrying   value   to   the   fair   value   less   costs   to   sell   in   the   accompanying
consolidated statements of comprehensive loss. As of December 31, 2019, the M/T Eco Fleet's new deemed cost and carrying
amount after the impairment charge is $20,667 and the new deemed cost and carrying amount of the M/T Eco Revolution is
$22,604 including inventories on board of $124. The vessels were sold on January 21 and January 14, 2020 to an unrelated third
party for gross proceeds of $21,000 and $23,000 respectively.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise

stated)

5.

Transactions with Related Parties:

 (a) Central Mare– Executive Officers and Other Personnel Agreements: On September 1, 2010, the Company entered into
separate agreements with Central Mare pursuant to which Central Mare provides the Company with its executive officers
(Chief Executive Officer, Chief Financial Officer, Chief Technical Officer and Chief Operating Officer).

As of December 31, 2018 the amount due to Central Mare was $51 and as of December 31, 2019 the amount due to Central
Mare was $0. These amounts are presented in Due to and from related parties, on the accompanying consolidated balance
sheets.

The fees charged by and expenses relating to Central Mare for the years ended December 31, 2017, 2018 and 2019 are as
follows:

Executive   officers   and   other   personnel
expenses

2,400

2,400

360

Year Ended December 31,
2018

2019

2017

Presented in:
General and administrative expenses -
Statement of comprehensive loss
Management fees - related parties -
Statement of comprehensive loss

Amortization of awarded shares*

Total

(34)
2,366
 *As per the Company's equity incentive plan, or the 2015 plan (currently null and void since due to the recent reverse stock
splits of the Company's stock the shares left to be vested are zero), the Company incurred an amortization gain of $25, $34 and
$34 relating to the amortization of the original fair value of the equity incentive plan recognized at inception, for the years
ended December 31 2017, 2018 and 2019 respectively.

(25)
2,375

(34)
326

On March 27, 2017 and January 2, 2018, the Company's board of directors granted to the Chief Executive Officer a bonus of
$1,500 and $2,250 respectively, to be distributed at his own discretion to other executives and is included in "General and
administrative expenses" in the accompanying consolidated statements of comprehensive loss.

 (b) Central Shipping Monaco SAM ("CSM") – Letter Agreement and Management Agreements: On March 10, 2014, the
Company entered into a letter agreement, or the Letter Agreement, with CSM, a related party affiliated with the family of the
Company's President, Chief Executive Officer and Director, Evangelos J. Pistiolis, and on March 10, 2014 and June 18, 2014
the Company entered into management agreements, or Management Agreements, between CSM and the Company's vessel-
owning subsidiaries respectively. The Letter Agreement could only be terminated subject to an eighteen-month advance notice,
subject to a termination fee equal to twelve months of fees payable under the Letter Agreement.

Pursuant to the Letter Agreement, as well as the Management Agreements concluded between CSM and the Company's vessel-
owning subsidiaries, the Company paid a technical management fee of $595 per day per vessel for the provision of technical,
operation, insurance, bunkering and crew management, commencing three months before the vessel was scheduled  to be
delivered by the shipyard and a commercial management fee of $328 per day per vessel, commencing from the date the vessel
was delivered from the shipyard. In addition, the Management Agreements provided for payment to CSM of: (i) $541 per day
for   superintendent   visits   plus   actual   expenses;   (ii)   a   chartering   commission   of   1.25%   on   all   freight,   hire   and   demurrage
revenues; (iii) a commission of 1.00% on all gross vessel sale proceeds or the purchase price paid for vessels and (iv) a
financing fee of 0.2% on derivative agreements and loan financing or refinancing. CSM also performed supervision services
for all of the Company's newbuilding vessels while the vessels were under construction, for which the Company paid CSM the
actual cost of the supervision services plus a fee of 7% of such supervision services.

CSM provided, at cost, all accounting, reporting and administrative services. Finally, the Letter Agreement provided for a
performance incentive fee for the provision of management services to be determined at the discretion of the Company. The
Management   Agreements   had   an   initial   term   of   five   years,   after   which   they   would   have   continued   to   be   in   effect   until
terminated   by   either   party   subject   to   an   eighteen-month   advance   notice   of   termination.   Pursuant   to   the   terms   of   the
Management Agreements, all fees payable to CSM were adjusted annually according to the US Consumer Price Inflation
("CPI") of the previous year and if CPI is less than 2% than a 2% increase was effected.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

As of December 31, 2018 and 2019 the amounts due to CSM were $2,366 and $0 respectively and are presented in Due to
related parties, on the accompanying consolidated balance sheets.

On January 1, 2019, the Company terminated the letter agreement with CSM without incurring any penalties

The fees charged by and expenses relating to CSM for the years ended December 31, 2017 and 2018 are as follows:

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Management fees

Supervision services fees

Superintendent fees

Accounting and reporting cost

Financing fees

Commission for sale and purchase of vessels

Commission on charter hire agreements

Performance incentive fee

Total

Year Ended December 31,

2017

2018

34

2,242

31

136

22

183

139

1,081

487

1,250
5,605

101

2,455

63

187

101

233

139

3,861

511

1,250
8,901

Presented in:
Capitalized in Vessels, net / Advances for vessels
acquisitions / under construction –Balance sheet
Management fees - related parties -Statement of
comprehensive loss
Capitalized in Vessels, net / Advances for vessels
acquisitions / under construction –Balance sheet
Vessel   operating   expenses   -Statement   of
comprehensive loss
Capitalized in Vessels, net / Advances for vessels
acquisitions / under construction –Balance sheet
Management fees - related parties -Statement of
comprehensive loss
Net in Current and Non-current portions of long-
term debt – Balance sheet
Management fees - related parties -Statement of
comprehensive loss
Voyage   expenses   -   Statement   of   comprehensive
loss
Management fees - related parties - Statement of
comprehensive loss

For the years ended December 31, 2017 and 2018, CSM charged the Company newbuilding supervision related pass-through
costs amounting to $454 and $958 respectively.

(c)  Central Shipping Inc ("CSI") – Letter Agreement and Management Agreements: On January 1, 2019, the Company
entered into a letter agreement with CSI ("CSI Letter Agreement"), a related party affiliated with the family of Evangelos J.
Pistiolis and on the same date the Company entered into management agreements, or Management Agreements, between CSI
and the Company's vessel-owning subsidiaries respectively. The CSI Letter Agreement can only be terminated subject to an
eighteen-month advance notice, subject to a termination fee equal to twelve months of fees payable under the CSI Letter
Agreement.

Pursuant to the CSI Letter Agreement, as well as the Management Agreements concluded between CSI and the Company's
vessel-owning subsidiaries, the Company pays a management fee of $550 per day per vessel for the provision of technical,
commercial, operation, insurance, bunkering and crew management, commencing three months before the vessel is scheduled
to be delivered by the shipyard. In addition, the Management Agreements provide for payment to CSI of: (i) $500 per day for
superintendent visits plus actual expenses; (ii) a chartering commission of 1.25% on all freight, hire and demurrage revenues;
(iii) a commission of 1.00% on all gross vessel sale proceeds or the purchase price paid for vessels and (iv) a financing fee of
0.2%   on   derivative   agreements   and   loan   financing   or   refinancing.   CSI   also   performs   supervision   services   for   all   of   the
Company's newbuilding vessels while the vessels are under construction, for which the Company pays CSI the actual cost of
the supervision services plus a fee of 7% of such supervision services.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

CSI provides, at cost, all accounting, reporting and administrative services. Finally, the CSI Letter Agreement provides for a
performance incentive fee for the provision of management services to be determined at the discretion of the Company. The
management agreements have an initial term of five years, after which they will continue to be in effect until terminated by
either party subject to an eighteen-month advance notice of termination. Pursuant to the terms of the management agreements,
all fees payable to CSI are adjusted annually according to the US Consumer Price Inflation ("CPI") of the previous year and if
CPI is less than 2% than a 2% increase is effected.

As of December 31, 2019 the amount due to CSI is $621 and is presented in Due to related parties, on the accompanying
consolidated balance sheets.

The fees charged by and expenses relating to CSI for the year ended December 31, 2019 are as follows:

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Year Ended December 31,
2019

Management fees

Supervision services fees

Superintendent fees

Accounting and
reporting cost
Financing fees
Commission on charter
hire agreements
Total

109

2,237

55

247

172

240

263

829

4,152

Presented in:
Capitalized   in   Vessels,   net   /   Advances   for   vessels   acquisitions   /   under
construction –Balance sheet
Management fees - related parties -Statement of comprehensive loss
Capitalized   in   Vessels,   net   /   Advances   for   vessels   acquisitions   /   under
construction –Balance sheet
Vessel operating expenses -Statement of comprehensive loss
Capitalized   in   Vessels,   net   /   Advances   for   vessels   acquisitions   /   under
construction –Balance sheet
Management fees - related parties -Statement of comprehensive loss

Net in Current and Non-current portions of long-term debt – Balance sheet

Voyage expenses - Statement of comprehensive loss

For   the   year   ended   December   31,   2019,   CSI   charged   the   Company   newbuilding   supervision   related   pass-through   costs
amounting to $985, which are not included in the table above and are presented within Vessels, net / Advances for vessels
acquisitions / under construction in the Company's accompanying consolidated balance sheet.

(d) Family Trading Inc. ("Family Trading") - Revolving Credit Facility and Assumption of Liabilities: As of the date of
issuance of these financial statements there have been various amendments and addendums to the Family Trading credit facility
("Further Amended Family Trading Credit Facility") (see Note 8). As of December 31, 2018 the interest and fees due to Family
Trading were $1,806, representing $301 of interest payable, $5 of commitment fees payable and $1,500 of arrangement fees
payable and are presented in Due to related parties, on the accompanying consolidated balance sheets.

(e) Issuance of Series E Shares to Family Trading Inc ("Family Trading"): On March 29, 2019 the Company entered into a
stock purchase agreement with Family Trading pursuant to which the Company exchanged the outstanding principal, fees and
interest of the Further Amended Family Trading Credit Facility with 27,129 Series E Shares (defined below, also see Note 8
and 10). As of December 31, 2019 dividends due to Family Trading were $1,621 and are presented in Due to related parties,
on the accompanying consolidated balance sheets.

(f) Vessel Acquisitions from affiliated entities: From February 20 to November 24, 2017 the Company entered into a series of
transactions with a number of entities affiliated with Evangelos J. Pistiolis that led to the purchase of M/T Eco Palm Desert
and M/T Eco California, 90% interest in M/T Stenaweco Elegance and 50% interests in M/T Eco Holmby Hills and M/T Eco
Palm Springs. On January 31, 2018 the Company entered into a series of transactions with a number of entities affiliated with
Evangelos J. Pistiolis that led to the purchase of the construction contracts of M/T Eco Marina Del Ray, M/T Eco Bel Air, M/T
Eco Beverly Hills and 10% interest in M/T Stenaweco Elegance. On December 18, 2019 the Company entered into a series of
transactions with two entities affiliated with Evangelos J. Pistiolis that led to the purchase of the newbuilding vessels, M/T
Eco Los Angeles and M/T Eco City of Angels (see Notes 1, 3 and 4). As of December 31, 2019 the Company owes $14,350 to
the previous owners of the newbuilding vessels presented in Due to related parties in the accompanying consolidated balance
sheets.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

(g) Charter   Party   with Central   Tankers   Chartering   Inc   ("Central   Tankers   Chartering"):   On   September   1,   2017   the
Company entered  into  a  time  charter  party  with  Central  Tankers  Chartering, a  related party affiliated  with  the  family  of
Evangelos J. Pistiolis, for the vessel M/T Eco Palm Desert delivered from Hyundai in September 2018. The time charter was
for a firm period of three years at a daily rate of $14,750 with two optional years at daily rates of $15,250 and $15,750
respectively, at Central Tankers Chartering's option. The time charter carried a 1.25% address commission payable to Central
Tankers Chartering. Total revenue backlog from this time charter for the firm period was $15,949, assuming no off-hire days.
As of December 31, 2018 the amounts due from Central Tankers Chartering were $75 and are presented in Due from related
parties, on the accompanying consolidated balance sheets. In April 2019 the Company terminated the time charter party with
Central Tankers Chartering without incurring any penalties and entered into a time charter agreement with Shell Tankers
Singapore Private Limited ("Shell") until September 2020. The time charter with Shell consists of a fixed amount per day plus
a 50% profit share for earned rates over the fixed amount.

6.

Leases

A. Lease arrangements, under which the Company acts as the lessee

Bareboat Chartered-in Vessels:

On   January  29,   2015  and   March  31,   2015,   the   Company   sold  and  leased   back   M/T  Stenaweco   Energy   and   M/T   Stenaweco
Evolution respectively. The vessels were chartered back on a bareboat basis for 7 years at a bareboat hire of $8,586 and $8,625 per
day respectively. In addition, the Company had the option to buy back each vessel from the end of year 3 up to the end of year 7 at
purchase prices stipulated in the bareboat agreement depending on when the option is exercised. On December, 18 and December,
20 2019 the Company exercised the purchase options and terminated the operating leases on its two bareboat chartered in vessels.
The purchase option prices paid amounted to $23,871 and $24,063 for the M/T Stenaweco Energy the M/T Stenaweco Evolution
respectively, not including fees and expenses related to the transfer of ownership.

B. Lease arrangements, under which the Company acts as the lessor

Charter agreements:

During     the   year   ended   December   31,   2019,   the   Company   operated   four   vessels   (M/T   Stenaweco   Energy,   M/T   Stenaweco
Evolution, M/T Stenaweco Excellence and M/T Stenaweco Elegance) under time charters with Stena Bulk A/S, three vessels (M/T
Eco Revolution, M/T Eco Bel Air and M/T ECO Beverly Hills) under time charters with BP Shipping Limited, two vessels (M/T
Eco Palm Desert and M/T Eco California) under time charters with Shell Tankers Singapore Private Limited, one vessel (M/T Nord
Valiant) under time charter with Dampskibsselskabet Norden A/S, one vessel (M/T Ecofleet) under time charter with Clearlake
Shipping Pte Ltd and one vessel (M/T Marina Del Ray) under time charter with Cargill.

Furthermore the Company has entered into time charter parties for its newbuilding vessels (M/T Eco Los Angeles and M/T Eco
City of Angels) with Trafigura.

Future minimum time-charter receipts of the Company's vessels in operation as of December 31, 2019, based on commitments
relating to non-cancellable time charter contracts as of December 31, 2019, are as follows (excluding vessels held for sale):

Year ending December 31,
2020
2021
2022
2023
2024
Total

Time Charter receipts
60,369
33,938
11,270
5,512
1,178
112,267

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

Future minimum time-charter receipts of the Company's vessels under construction as of December 31, 2019, are as follows (based
on estimated delivery dates):

Year ending December 31,
2020
2021
2022
2023
Total

Time Charter receipts
 11,043
 12,776
 12,776
 1,733
 38,328

In arriving at the minimum future charter revenues, an estimated 20 days off-hire time to perform scheduled dry-docking in the year
the drydocking is expected on each vessel has been deducted, and it has been assumed that no additional off-hire time is incurred,
although there is no assurance that such estimate will be reflective of the actual off-hire in the future.

7.

Inventories:

The amounts shown in the accompanying consolidated balance sheets are analyzed as follows:

Lubricants
Consumable stores
Total

8.

Debt:

December 31, 2018
522
65
587

December 31, 2019
751
97
848

The amounts in the accompanying consolidated balance sheets are analyzed as follows (facility names defined below):

Bank / Vessel(s)

Total long term debt:
ABN Facility (M/T Eco Fleet, M/T Eco Revolution and M/T Nord Valiant)
NORD/LB Facility (M/T Stenaweco Excellence)
Alpha Bank Facility (M/T Stenaweco Elegance), including Alpha Bank Top-Up Facility
AT Bank Facility (M/T Eco Palm Desert)
AT Bank Bridge Note (Top Ships)
OFI Facility (M/T Stenaweco Energy, M/T Stenaweco Evolution and M/T Stenaweco Excellence)
CMBFL Facility (M/T Eco Bel Air and M/T Eco Beverly Hills)
BoComm Leasing Facility (M/T Nord Valiant and M/T Eco California)
Cargill Facility (M/T Eco Marina Del Ray)
Total long term debt
Less: Deferred finance fees
Total long term debt net of deferred finance fees

Presented:
Current portion of long term debt
Long term debt

Long term debt from related parties:
Family Trading Facility
Less: Debt discounts
Long term debt from related parties net of debt discounts

Short Term Debt:
AT Bank second predelivery facility (M/T Eco California)
Alpha Bank predelivery facility (M/T Eco Marina Del Ray)
Less: Deferred finance fees
Short term debt net of deferred finance fees

Debt related to Vessels held for sale:
ABN Facility (M/T Eco Fleet and M/T Eco Revolution)

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December 31,

2018

2019

52,288
18,071
20,550
23,175
-
-
-
-
-
114,084
(2,516)
111,568

-
-
20,075
21,875
10,500
69,849
88,560
44,466
30,962
286,287
(7,257)
279,030

10,210
101,358

16,908
262,122

24,744
(9,073)
15,671

10,140
3,380
(104)
13,416

-
-
-

-
-
-
-

-

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Less: Deferred finance fees
Debt related to Vessels held for sale net of deferred finance fees

-
-

(323)
29,977

Total Debt net of deferred finance fees and debt discounts

140,655

309,007

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

(A). LONG-TERM DEBT

ABN Amro Facility

On July 9, 2015, the Company entered into a credit facility with ABN Amro Bank N.V. of Holland ("ABN Amro") for $42,000
("the ABN Amro facility") for the financing of the vessels M/T Eco Fleet and M/T Eco Revolution ($21,000 per financed vessel).
This   facility   was   amended   on   September   28,   2015   and   was   increased   to   $44,400   ($22,200   per   vessel),   with   all   other   terms
remaining the same except for the margin which was increased by 0.15%. The credit facility was repayable in 4 consecutive
quarterly installments of $500, 4 consecutive quarterly installments of $512.5, 4 consecutive quarterly installments of $525 and 12
consecutive quarterly installments of $387.5 for each of the financed vessels, commencing on October 13, 2015 for M/T Eco Fleet
and on April 15, 2016 for M/T Eco Revolution plus a balloon installment of $11,400 for each of the financed vessels, payable
together with the last installment in July 2021 and in January 2022, respectively. On August 1, 2016, the Company amended the
ABN Facility to increase the borrowing limit to $64,400 and added another tranche to the loan, "Tranche C", which was secured by
M/T Nord Valiant. Tranche C was repayable in 12 consecutive quarterly installments of $550 each and 12 consecutive quarterly
installments of $363 each, commencing on November 2016, plus a balloon installment of $9,050 payable together with the last
installment in August 2022. Apart from the inclusion of M/T Nord Valiant as a collateralized vessel and the reduction of the margin
to 3.75% (applicable only to Tranche C), no other material changes were made to the ABN Facility.

The Company drew down $21,000 under the ABN Amro facility on July 13, 2015 to finance the last shipyard installment of M/T
Eco Fleet and another $1,200 on September 30, 2015. Furthermore, the Company drew down $22,200 under the ABN facility on
January 15, 2016 to finance the last shipyard installment of M/T Eco Revolution. Finally, on August 5, 2016 the Company drew
down $20,000 under the Tranche C of the ABN facility to partly finance the last shipyard installments of M/T Nord Valiant.

The facility contained various covenants, including (i) an asset cover ratio of 130%, (ii) a ratio of total net debt to the aggregate
market   value   of   the   Company's   fleet,   current   or   future,   of   no   more   than   75%   and   (iii)   minimum   free   liquidity   of   $750   per
collateralized vessel. Additionally, the facility contained restrictions on the shipowning company incurring further indebtedness or
guarantees. It also restricted the shipowning company from paying dividends if such a payment would result in an event of default
or in a breach of covenants under the loan agreement.

The facility was secured as follows:

•
•
•
•
•
•

First priority mortgage over M/T Eco Fleet, M/T Eco Revolution and M/T Nord Valiant;
Assignment of insurance and earnings of the mortgaged vessels;
Specific assignment of any time charters with duration of more than 12 months;
Corporate guarantee of Top Ships Inc.;
Pledge of the shares of the shipowning subsidiaries;
Pledge over the earnings account of the vessels.

On April 21, 2017, the Company was informed by ABN Amro that it was in breach of a loan covenant that required that any
member   of   the   family   of   Mr.   Evangelos   J.   Pistiolis   maintain   an  ownership   interest   (either   directly   and/or   indirectly   through
companies beneficially owned by any member of the Pistiolis family and/or trusts or foundations of which any member of the
Pistiolis family are beneficiaries) of 30% of the Company's outstanding common shares. ABN Amro requested that either the
family of Mr. Evangelos J. Pistiolis maintains an ownership interest of at least 30% of the outstanding common shares or maintains
a voting rights interest of above 50% in the Company. In order to regain compliance with the loan covenant, the Company issued
the Series D preferred shares (see Note 10).  On July 28, 2017 ABN Amro by way of a supplemental agreement removed the loan
covenant that required that any member of the family of Mr. Evangelos J. Pistiolis maintained an ownership interest of 30% of the
Company's issued and outstanding common shares and replaced it with a covenant that states that no other party other than a
member of the family of Mr. Evangelos J. Pistiolis (either directly and/or indirectly through companies beneficially owned by any
member of the Pistiolis family and/or trusts or foundations of which any member of the Pistiolis family are beneficiaries) acquired a
voting interest of more than 50% of the Company's share capital, without ABN Amro's prior written approval.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

On November 16, 2018 the Company amended the ABN Facility to increase the borrowing limit by $5,000. This additional amount
was   subsequently   drawn-down   and   applied   towards   capital   expenditures   under   the   Company's   newbuilding   program   and   was
allocated to the mortgaged vessels as follows: $750 to M/T Eco Fleet, $750 to M/T Eco Revolution and $3,500 to M/T Nord
Valiant. Apart from the introduction of a new repayment schedule reflecting the increased facility principal, all other material terms
remained the same. As per the new repayment schedule the quarterly installments were increased by $25, $25 and $100 for M/T
Eco Fleet, M/T Eco Revolution and M/T Nord Valiant respectively and their respective balloon installments were increased by
$475, $425 and $2,000, respectively.

The ABN Amro facility bore interest at LIBOR plus a margin of 3.90%, except for the Tranche C part of the facility that bore
interest at LIBOR plus a margin of 3.75%. The applicable LIBOR as of December 31, 2019 was 1.99%. Tranche C of the ABN
Facility was fully prepaid on January 17, 2019 using $18,550 of proceeds from the BoComm Leasing Sale and Leaseback (see
below). The remaining ABN Facility was prepaid on January 14 and January 21, 2020 in connection with the sale of the M/T Eco
Fleet and M/T Eco Revolution using $29,475 of the proceeds from the sale.

NORD/LB Facility

On May 11, 2016, the Company entered into a credit facility with Norddeutsche Landesbank Girozentrale ("NORD/LB Bank") of
Germany for $23,185 ("the NORD/LB facility") for the financing of the vessel M/T Stenaweco Excellence. The credit facility was
repayable in 12 consecutive quarterly installments of $511 and 16 consecutive quarterly installments of $473, commencing in
August 2016, plus a balloon installment of $9,480 payable together with the last installment in May 2023.

The Company drew down $23,185 under the NORD/LB facility on May 13, 2016 to finance the last shipyard installment of the
M/T Stenaweco Excellence.

The facility contained various covenants, including (i) an asset cover ratio of 125% for the first three years and 143% thereafter, (ii)
a ratio of total net debt to the aggregate market value of the Company's fleet, current or future, of no more than 75% and (iii)
minimum free liquidity of $750 per collateralized vessel and $500 per bareboated chartered-in vessel. Additionally, the facility
contained restrictions on the shipowning company incurring further indebtedness or guarantees. It also restricted the shipowning
company from paying dividends if such a payment would result in an event of default or in a breach of covenants under the loan
agreement.

The facility was secured as follows:

•
•
•
•
•
•

First priority mortgage over M/T Stenaweco Excellence;
Assignment of insurance and earnings of the mortgaged vessel;
Specific assignment of any time charters with duration of more than 12 months;
Corporate guarantee of Top Ships Inc.;
Pledge of the shares of the shipowning subsidiary;
Pledge over the earnings account of the vessel.

On May 16, 2017 NORD/LB by way of a supplemental agreement provided a waiver until December 31, 2017 for the breach of the
loan covenant that requires that any member of the family of Mr. Evangelos J. Pistiolis maintained an ownership interest (either
directly and/or indirectly through companies beneficially owned by any member of the Pistiolis family and/or trusts or foundations
of which any member of the Pistiolis family are beneficiaries) of 20% of the Company's issued and outstanding common shares. In
addition NORD/LB agreed to reduce the abovementioned minimum percentage to 10%. On January 8, 2018 NORD/LB agreed to
replace said covenant with a covenant that states that no other party other than a member of the family of Mr. Evangelos J. Pistiolis
(either directly and/or indirectly through companies beneficially owned by any member of the Pistiolis family and/or trusts or
foundations of which any member of the Pistiolis family are beneficiaries) acquires a voting interest of more than 50% of the
Company's share capital, without NORD/LB's prior written approval.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

The NORD/LB facility bore interest at LIBOR plus a margin of 3.43%. On July 15, 2019 the Company sold and leased back the
M/T Stenaweco Excellence to Oriental Fleet International Company Limited (see below), a non-affiliated party, and fully prepaid
the outstanding amount of the NORD/LB facility that amounted to $17,047.

Alpha Bank Facility

On July 20, 2016, Eco Seven that was later acquired by the Company entered into a credit facility with Alpha Bank SA. of Greece
("Alpha Bank") for $23,350 ("the Alpha facility") for the financing of the vessel M/T Stenaweco Elegance. The credit facility was
repayable in 12 consecutive quarterly installments of $400 and 20 consecutive quarterly installments of $303, commencing in May
2017, plus a balloon installment of $12,500 payable together with the last installment in February 2025.

The Company drew down $23,350 under the Alpha facility on February 24, 2017 to finance the last shipyard installment of the M/T
Stenaweco Elegance.

On August 1, 2017, Alpha Bank by way of a supplemental agreement removed the loan covenant that required that any member of
the family of Mr. Evangelos J. Pistiolis maintains an ownership interest of 40% of the Company's issued and outstanding common
shares and replaced it with a covenant that states that no other party other than a member of the family of Mr. Evangelos J. Pistiolis
(either directly and/or indirectly through companies beneficially owned by any member of the Pistiolis family and/or trusts or
foundations of which any member of the Pistiolis family are beneficiaries) acquires a voting interest of more than 50% of the
Company's share capital, without Alpha Bank's prior written approval.

The facility contained various covenants, including (i) an asset cover ratio of 125%, (ii) a ratio of total net debt to the aggregate
market value of the Company's fleet, current or future, of no more than 75%, (iii) minimum free liquidity of $750 per collateralized
vessel, (iv) EBITDA was required to be greater than 120% of fixed charges and (v) market value adjusted net worth was required to
be greater than or equal to $20,000. It also restricted the shipowning company from incurring further indebtedness or guarantees
and from paying dividends if such a payment would result in an event of default or in a breach of covenants under the loan
agreement.

The facility was secured as follows:

•
•
•
•
•
•

First priority mortgage over M/T Stenaweco Elegance;
Assignment of insurance and earnings of the mortgaged vessel;
Specific assignment of any time charters with duration of more than 12 months;
Corporate guarantee of Top Ships Inc.;
Pledge of the shares of the shipowning subsidiary;
Pledge over the earnings account of the vessel.

The Alpha facility bore interest at LIBOR plus a margin of 3.50%. The applicable LIBOR as of December 31, 2019 was about
1.79%. On February 21, 2020 the Company sold the M/T Stenaweco Elegance to a non-affiliated party, and fully prepaid the
outstanding principal of the Alpha Bank Facility that amounted to $18,950.

Alpha Bank Top-Up Facility

On April 23, 2019, the Company entered into a credit facility with Alpha Bank for $1,500. This facility was subsequently drawn-
down and applied towards capital expenditures under the Company's newbuilding program. The credit facility was repayable in 8
consecutive quarterly installments of $187.5 commencing in July 2019. This facility was secured by way of a third mortgage over
M/T Stenaweco Elegance.

The facility principal will be added to the principal balance of the Alpha Bank Facility for all covenant related calculations.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

The facility was secured as follows:

•
•
•

•

•
•

Intercreditor deed;
Third preferred ship mortgage over M/T Stenaweco Elegance;
Third   priority   general   assignment   of   the   earnings,   insurances   and   any   requisition   compensation   of   M/T   Stenaweco
Elegance;
Third priority assignment of any time charterparty of M/T Stenaweco Elegance for a period of more than twelve (12)
months;
Corporate guarantee of the Company;
Second priority pledge over the earnings account of the vessel;

The Alpha Bank Top-Up Facility bore interest at LIBOR plus a margin of 4.25%. The applicable LIBOR as of December 31, 2019
was about 1.77%. On February 21, 2020 the Company sold the M/T Stenaweco Elegance to a non-affiliated party, and fully prepaid
the outstanding principal of the Alpha Bank Top-Up Facility that amounted to $938.

AT Bank Senior Facility

On September 5, 2017, the Company entered into a credit facility with Amsterdam Trade Bank N.V. of Holland ("AT Bank") for
$23,500 to fund the delivery of M/T Eco Palm Desert (the "AT Bank Senior Facility"), delivered in September 7, 2018. An amount
of $8,993 from the AT Bank Senior Facility was applied towards repayment of the AT Bank Predelivery Facility on September 4,
2018. This facility is repayable in 20 consecutive quarterly installments of $325, commencing three months from draw down, and a
balloon payment of $17,000 payable together with the last installment.

The facility contained various covenants, including (i) an asset cover ratio of 115% for the first year, 120% for the second year,
125% for the third year and 140% thereafter, (ii) a ratio of total net debt to the aggregate market value of the Company's fleet,
current or future, of no more than 75% and (iii) minimum free liquidity of $750 per collateralized vessel and $500 per bareboat
chartered-in vessel. Additionally, the facility contained restrictions on the shipowning company incurring further indebtedness or
guarantees and paying dividends.

The facility was secured as follows:

•
•
•
•
•
•

First priority mortgage over M/T Eco Palm Desert;
Assignment of insurance and earnings of the mortgaged vessel;
Specific assignment of any time charters with duration of more than 12 months;
Corporate guarantee of Top Ships Inc.;
Pledge of the shares of the shipowning subsidiary;
Pledge over the earnings account of the vessel.

The AT Bank Senior Facility bore interest at LIBOR plus a margin of 4% and a commitment fee of 2% per annum was payable
quarterly in arrears over the committed and undrawn portion of the facility, starting from the date of signing the commitment letter.
The Company on June 1, 2018 signed a supplemental agreement with AT Bank that resulted in the decrease of the commitment fee
from 2% to 1.3%, effective from March 6, 2018. The applicable LIBOR as of December 31, 2019 was 1.90%.

On March 19, 2020 the Company sold the M/T Eco Palm Desert to a non-affiliated party, and fully prepaid the outstanding
principal of the AT Bank Facility that amounted to $21,875.

AT Bank Bridge Note

On January 28, 2019, the Company entered into a credit facility with AT Bank for $10,500 for general corporate purposes (the "AT
Bank Bridge Facility"). This facility was drawn down in full and the proceeds were used to repay the AT Bank Second Predelivery
Facility. The facility was repayable on February 28, 2020. The facility contained restrictions on the Company from providing
guarantees other than for financing of new vessels and from paying any dividends or distributing any of its capital or redeeming any
of its shares.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

Furthermore the facility prohibited the Company to pay any principal, accrued fees, interest or commitment fees relating to the
Family Trading Facility. Finally the facility also contained some restrictions in the use of proceeds of future issuances of capital and
incurrence of unsecured debt.

The facility was secured as follows:

•
•
•
•
•
•

Corporate guarantee of the Company;
Second priority perfected mortgage on M/T Eco Palm Desert Vessel;
Second rank priority assignment of insurance and earnings of the mortgaged vessel;
Second rank priority assignment of any time charters with duration of more than 12 months;
Second priority pledge of the shares of the shipowning subsidiary of the mortgaged vessel;
Second priority pledge over the earnings account of the vessel.

The facility bore interest at LIBOR plus a margin of 6.00% and a commitment fee of 2.25% per annum was payable quarterly in
arrears over the committed and undrawn portion of the facility, starting from the date of signing the commitment letter. On March
22, 2019 the AT Bank Bridge Facility was converted into a note and on October 14, 2019 its maturity was extended to March 31,
2021 with all other terms remaining the same.

The applicable LIBOR as of December 31, 2019 was 1.90%. On March 19, 2020 the Company sold the M/T Eco Palm Desert to a
non-affiliated party, and fully prepaid the outstanding principal of AT Bank Bridge Note that amounted to $10,500.

(B). SHORT-TERM DEBT

Unsecured Notes

On November 13 and on December 14, 2017 the Company entered into two unsecured notes with Crede Capital Group LLC, an
unaffiliated third party (the "Crede Notes") as follows:

Agreement date

November 13, 2017
December 14, 2017

Amount
drawn

17,500
24,269
41,769

Interest

Amount
settled

Amounts
forgiven

11
75
86

(17,500)
(24,089)
(41,589)

-
(180)
(180)

The first Crede Note amounted to $12,500 and carried a single revolving option for additional $5,000 that the Company exercised
on November 20, 2017, bringing the total drawn amount to $17,500. The second Crede Note amounted to $12,500 and carried
revolving options for two additional $5,000 notes. On January 5, 2018, the Company amended the Note Purchase Agreement,
pursuant to which the Company issued to Crede a second unsecured promissory note in the amount of $5,369 with a revolving
option for an additional $4,631 note. The Company further amended the Note Purchase Agreement on February 8, 2018, pursuant
to which the borrowing availability was increased under the agreement and a third unsecured promissory note was issued to Crede
in the amount of $6,400.

The proceeds from the sales of the Crede Notes were used for vessel acquisitions and general corporate purposes. The Crede Notes
matured 24 months from the date of their issuance and bore interest at a rate of 2.0% per annum for the period of ninety days
starting on the issuance date, (ii) 10.0% per annum for the period of ninety days starting on the date that is ninety days immediately
following the issuance date and (iii) 15.0% per annum starting on the date that is one hundred eighty days immediately following
the issuance date. The Crede Notes carried customary covenants and restrictions, including the covenant that all net proceeds that
the Company receives from the sale of any equity securities of the Company shall be utilized exclusively to repay any outstanding
amounts under the Crede Notes until the Crede Notes were repaid in full. The Crede Notes also restricted the Company from
redeeming, repurchasing or declaring any cash dividend or distribution on any of its capital stock (other than any obligations to do
so outstanding as of the issuance dates of the Notes), as long as there were outstanding amounts under the Notes.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

As of December 31, 2018, all of the Crede Notes have been repaid in full, by using proceeds from the First and Second Crede
Purchase Agreement (see Note 10).

AT Bank Predelivery Facility

On September 5, 2017, the Company entered into a credit facility with AT Bank for $8,993 for the pre-delivery financing of M/T
Eco Palm Desert (the "AT Bank Predelivery Facility"). This facility was drawn down in five tranches and financed in full the last
five pre-delivery instalments of M/T Eco Palm Desert due for payment between August 2017 and May 2018. The facility was
repaid from the proceeds of the AT Bank Senior Facility on September 4, 2018.

The facility contained various covenants, including a ratio of total net debt to the aggregate market value of the Company's fleet,
current or future, of no more than 75% and minimum free liquidity of $750 per collateralized vessel and $500 per bareboated
chartered-in vessel. Additionally, the facility contained restrictions on the subsidiary that owned the newbuilding contract from
incurring further indebtedness or guarantees and from paying any dividends.

The facility was secured as follows:

•
•
•

Assignment to the bank of the newbuilding contract and of the respective refund guarantee of M/T Eco Palm Desert;
Corporate guarantee of Top Ships Inc.;
Pledge of the shares of the subsidiary owning the newbuilding contract;

The AT Bank Predelivery Facility bore interest at LIBOR plus a margin of 8.5% and a commitment fee of 4.25% per annum was
payable   quarterly   in   arrears   over   the   committed   and   undrawn   portion   of   the   facility,   starting   from   the   date   of   signing   the
commitment letter. The Company on June 1, 2018 signed a supplemental agreement with AT Bank that resulted in the decrease of
the loan margin to 6.3% from 8.5% and in the decrease of the commitment fee from 4.25% to 0%, effective from March 6, 2018.

AT Bank Second Predelivery Facility

On June 1, 2018, the Company entered into a credit facility with AT Bank for $10,140 for the pre-delivery financing of M/T Eco
California (the "AT Bank Second Predelivery Facility"). This facility was drawn down in five tranches and financed in full the last
five pre-delivery instalments of M/T Eco California due for payment between June and December 2018. The facility was repaid on
January 28, 2019, upon delivery of the vessel, from the proceeds of the AT Bank Bridge Facility.

The facility contained various covenants, including a ratio of total net debt to the aggregate market value of the Company's fleet,
current or future, of no more than 75% and minimum free liquidity of $750 per collateralized vessel and $500 per bareboated
chartered-in vessel. Additionally, the facility contained restrictions on the subsidiary that owns the newbuilding contract from
incurring further indebtedness or guarantees and from paying any dividends.

The facility was secured as follows:

•

•
•

Assignment   to   the   bank   of   the   newbuilding   contract   and   of   the   respective   refund   guarantee   of   M/T   Eco
California;
Corporate guarantee of Top Ships Inc.;
Pledge of the shares of the subsidiary owning the newbuilding contract;

The AT Bank Second Predelivery Facility bore interest at LIBOR plus a margin of 6.3%, reduced to 6% from September 2018
onwards. The facility bore no commitment fee. The Company drew down the full amount of the facility to finance in full the last
five pre-delivery instalments of M/T Eco California due for payment between June and December 2018.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

Alpha Bank Predelivery Facility

On July 11, 2018, the Company entered into a credit facility with Alpha Bank for $10,140 for the pre-delivery financing of M/T
Eco Marina Del Ray. This facility could be drawn down in five tranches to finance in full the last five pre-delivery instalments of
M/T Eco Marina Del Ray due between July 2018 and February 2019. The facility was repayable on delivery of the vessel in March
2019.

The facility contained restrictions on the subsidiary that owns the newbuilding contract from incurring further indebtedness or
guarantees and from paying any dividends if the latter would result in an event of default.

The facility was secured as follows:

•
•
•

Assignment to the bank of the newbuilding contract and of the respective refund guarantee of M/T Eco Marina Del Ray;
Corporate guarantee of Top Ships Inc.;
Pledge of the shares of the subsidiary owning the newbuilding contract;

The facility bore interest at LIBOR plus a margin of 4.25% and a commitment fee of 1% per annum was payable quarterly in
arrears over the committed and undrawn portion of the facility, starting from the date of signing the commitment letter. The
Company drew down $1,690, $1,690, $3,380 and $3,380 under the facility in July 2018, October 2018, January 2019 and February
2019 respectively, to finance four shipyard installments of M/T Eco Marina Del Ray. The Alpha Bank Predelivery Facility was
fully repaid on March 13, 2019 with part of the proceeds from the Cargill Sale and Leaseback (see below).

(C). SHORT AND LONG TERM DEBT FROM RELATED PARTIES

Amended Family Trading Credit Facility

On December 23, 2015, the Company entered into an unsecured revolving credit facility with Family Trading ("the Family Trading
facility"), a related party owned by the Lax Trust, for up to $15,000 to be used to fund the Company's newbuilding program and
working capital relating to the Company's operating vessels. This facility was repayable in cash no later than December 31, 2016,
but the Company had the option to extend the facility's repayment up to December 31, 2017. On December 28, 2016 the maturity of
the Family Trading facility was extended to January 31, 2017 and on January 27, 2017 the maturity of the Family Trading loan was
extended to February 28, 2017 with all terms remaining the same.

On February 21, 2017, the Company amended and restated the Family Trading Credit Facility (the "Amended Family Trading
Credit Facility") in order to, among other things, remove any limitation in the use of funds drawn down under the facility, reduce
the mandatory cash payment due under the facility when the Company raised capital through the issuance of certain securities,
remove the revolving feature of the facility, extend the facility for up to three years and give Family Trading the option to get repaid
for any amounts outstanding under the facility in cash or in common shares of the company. Additionally, the interest rate of the
facility increased to 10% (from 9%) and the commitment fee decreased to 2.5% (from 5%). Subject to certain adjustments pursuant
to the terms of the Amended Family Trading Credit Facility, the number of common shares to be issued as repayment of the
amounts outstanding under the facility would be calculated by dividing the amount redeemed by 80% of the lowest daily Volume-
Weighted Average Price ("VWAP") of the Company's common shares on the Nasdaq Capital Market during the twenty consecutive
trading days ending on the trading day prior to the payment date (the "Applicable Price"), provided, however, that at no time could
the Applicable Price be lower than $0.60 per common share (the "Floor Price").

Further, in the case where the Company raised capital (whether publicly or privately) and the Applicable Price was higher than the
lowest of (henceforth the "Issuance Price"):

a.
b.
c.
d.

the price per share issued upon an equity offering of the Company;
the exercise price of warrants or options for common shares;
the conversion price of any convertible security into common shares; or
the implied exchange price of the common shares pursuant to an asset to equity or liability to equity swap,

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

then the Applicable Price would be reduced to the Issuance Price. Finally, in case the Applicable Price was higher than the exercise
price of the Company's 2014 Warrants, the Applicable Price would be reduced to the exercise price of such outstanding warrants.

The Company during the year ended December 31, 2017 issued 0.2 common shares as payment for $1,198 of accrued fees and
interest under the Amended Family Trading Credit Facility that resulted in additional non-cash debt conversion expenses amounting
to $842, included in Interest and finance costs in the accompanying Statement of comprehensive loss.

On September 27, 2018, the Company further amended the Amended Family Trading Credit Facility (the "Amended and Restated
Family Trading Credit Facility") in order to, among other things, set the repayment date of the facility to December 31, 2019,
increase the maximum borrowing capacity of the facility to $20,000, increase the interest rate to 12%, reduce the commitment fee to
2% and increase the arrangement fee to 5%. On October 30, 2018, the Company entered into an addendum to the Amended and
Restated Family Trading Credit Facility in order to, among other things, increase the maximum borrowing capacity of the facility to
$25,000. On December 31, 2018 the Company entered into another addendum to the facility in order to, among other things, set the
repayment date of the facility to December 31, 2025, increase the maximum borrowing capacity of the facility to $30,000, increase
the interest rate to 15% and apply the then applicable arrangement fee rate to the whole principal of the loan.

The Company during year ended December 31, 2018 has drawn $26,152 and repaid $1,408 under the facility. As of December 31,
2018 the facility had an undrawn balance of $4,149.

At each drawdown under the facility, the Company recognized a beneficial conversion feature ("BCF") by allocating the intrinsic
value of the conversion option, which is the number of shares of common stock available upon conversion multiplied by the
difference between the effective conversion price per share and the fair value of the Company's common stock per share on the
commitment date, to additional paid-in capital. Hence in total the Company recognized $15,028 of debt discount, $2,504 of which
was amortized in the year ended December 31, 2018 and is included in "Interest and finance costs" in the accompanying Statement
of comprehensive loss. Each successive amendment of the facility resulted in an increase in the borrowing capacity of the facility
and therefore affected the fair value of the debt conversion feature, substantially. This resulted in the Company recognizing a debt
extinguishment on each amendment date in line with ASC 470-50-40-10. Under the current accounting standard ASC 470-50-40-2,
the extinguishment of related party debt is considered a capital transaction and accordingly, no gain or loss on extinguishment is
recognized in the statement of comprehensive loss but it is recognized as a deemed dividend in equity amounting to $2,258.

On   March   29,   2019   the   Company   entered   into   a   stock   purchase   agreement   with   Family   Trading   whereupon   the   outstanding
principal of the Further Amended Family Trading Credit Facility amounting to $24,744 and all accrued interest and fees under the
facility amounting to $2,385 were exchanged for 27,129 Series E Shares (defined below) and the facility was terminated (see Note
17). The Company accounted for the termination of the facility as a debt extinguishment and in performing the extinguishment
calculation, the Company followed the provisions of ASC 470-20-40-3 which states that if a convertible debt instrument containing
an   embedded   beneficial   conversion   feature   is   extinguished   before   conversion,   a   portion   of   the   reacquisition   price   should   be
allocated to the repurchase of the beneficial conversion feature, that in this case was $8,518. Under the current accounting standard
ASC 470-50-40-2, the extinguishment of related party debt is considered a capital transaction and accordingly, no gain or loss on
extinguishment is recognized in the statement of comprehensive loss but it is recognized as a deemed dividend in equity amounting
to $9,570.

Related party interest expense for the year ended December 31, 2017, 2018 and 2019 incurred in connection with this credit facility,
amounted to $111, $857 and $928 respectively and is included in "Interest and finance costs" in the accompanying consolidated
statements of comprehensive loss. Related party commitment fees for the year ended December 31, 2017, 2018 and 2019 incurred
in connection with this credit facility, amounted to $366, $179 and $20 respectively and are included in "Interest and finance costs"
in the accompanying consolidated statements of comprehensive loss.

(D) FINANCINGS COMMITTED UNDER SALE AND LEASEBACK AGREEMENTS

All the below sale and leaseback agreements ("SLB"s) contain, customary covenants and event of default clauses, including cross-
default provisions and restrictive covenants and performance requirements including (i) a ratio of total net debt to the aggregate
market   value   of   the   Company's   fleet,   current   or   future,   of   no   more   than   75%   and   (ii)   minimum   free   liquidity   of   $750   per
collateralized vessel, $500 per bareboated chartered-in vessel and $1,000 per Suezmax vessel at the guarantors level.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

Additionally, all the SLBs contain restrictions on the relative shipowning company incurring further indebtedness or guarantees and
paying dividends, if such dividend payment would result in an event of default or termination event under the SLB agreements.

All the below SLBs are secured mainly by the following:

•
•
•
•
•
•

Ownership of  the vessel financed;
Assignment of insurance and earnings of the vessel financed;
Specific assignment of any time charters of the vessel financed with duration of more than 12 months;
Corporate guarantee of Top Ships Inc.;
Pledge of the shares of the relative shipowning subsidiary;
Pledge over the earnings account of the vessel financed.

Cargill Sale and Leaseback

On June 29, 2018 the Company entered into a sale and leaseback agreement ("SLB") and a 5 year time charter with Cargill, a non-
affiliated party, for its newbuilding vessel M/T Eco Marina Del Ray (Hull No 8242) delivered in March 2019. Consummation of the
SLB took place on the vessel's delivery date. Following the sale, the Company has bareboat chartered back the vessel at a bareboat
hire of $8,600 per day and simultaneously the vessel commenced its five year time charter with Cargill. As part of this transaction,
the Company has the obligation to buy back the vessel at the end of the five year period for $22,680. The gross proceeds from the
sale were $32,387.

The SLB with Cargill is accounted as a financing transaction, as control remains with the Company and the M/T Eco Marina Del
Ray will continue to be recorded as an asset on the Company's balance sheet. In addition the Company has an obligation to
repurchase the vessel.

Bank of Communications Financial Leasing Company ("BoComm Leasing") Sale and Leaseback

On December 21, 2018 the Company entered into a SLB with BoComm Leasing, a non-affiliated party, for M/T Nord Valiant and
M/T Eco California. Consummation of the SLB took place on January 17, 2019 for M/T Nord Valiant and on January 31, 2019 M/T
Eco California. Following the sale, the Company has bareboat chartered back M/T Nord Valiant for five years and M/T Eco
California for seven years at a bareboat hire of $5,875 per day and $6,550 per day respectively. As part of this transaction, the
Company   has   continuous   options,   after   the   third   year,   to   buy   back   the   vessels   at   purchase   prices   stipulated   in   the   bareboat
agreement depending on when the option is exercised. The gross proceeds from the SLBs were $21,655 for M/T Nord Valiant and
$24,140 for M/T Eco California.

The SLB with BoComm Leasing contains a covenant requiring that there is no change of control of the Company, save with the
prior written consent of BoComm Leasing.

The SLB with BoComm Leasing is accounted as a financing transaction, as control remains with the Company and M/T Nord
Valiant and M/T Eco California will continue to be recorded as an asset on the Company's balance sheet. In addition the Company
has continuous options to repurchase the vessels below fair value.

China Merchants Bank Financial Leasing Co. Ltd. ("CMBFL") Sale and Leaseback

On December 3, 2018 the Company entered into an SLB with CMBFL, a non-affiliated party, for M/T Eco Bel Air and M/T Eco
Beverly Hills. Consummation of the SLB took place on April 4 and May 9 2019 respectively. Following the sale, the Company has
bareboat charter back the vessels for a period of seven years at a bareboat hire of $1,475 per quarter per vessel. As part of this
transaction, the Company has continuous options, after the third year, to buy back the vessels at purchase prices stipulated in the
bareboat agreement depending on when the option is exercised. The gross proceeds from the sale were $91,412 for both vessels.

The SLB with CMBLF contains a representation that should be always in effect throughout the sale and leaseback period requiring
the corporate guarantor (Top Ships Inc) to remain listed in the NASDAQ exchange and requiring that there is no change in the
controlling shareholder of the guarantor. Violation of this ongoing representation would result in a covenant breach.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

The SLB with CMBLF is accounted as a financing transaction, as control remains with the Company and M/T Eco Bel Air and M/T
Eco Beverly Hills will continue to be recorded as an asset on the Company's balance sheet. In addition the Company has continuous
options to repurchase the vessels below fair value.

Oriental Fleet International Company Limited ("OFI") Sale and Leaseback

On July 8, 2019 the Company entered into sale and leaseback agreements with OFI, a non-affiliated party, for M/T Stenaweco
Excellence and M/T Stenaweco Energy, M/T Stenaweco Evolution respectively. The sales of the three vessels were concluded on
July 15, November 18 and November 20, 2019 respectively. Following the sale, the Company has bareboat chartered back the
vessels for a period of ten years at bareboat hire rates comprising of financing principal based on straight-line amortization plus
interest based on the three months Libor plus 3.90%.

The amortizations of the OFI facility are as follows:

•

•

•

for M/T Stenaweco Excellence: 120 consecutive monthly installments of $160, commencing from draw down, and a
balloon payment of $6,400 payable together with the last installment,
for M/T Stenaweco Energy: 120 consecutive monthly installments of $131, commencing from draw down, and a balloon
payment of $5,700 payable together with the last installment,
for   M/T   Stenaweco   Evolution:   120   consecutive   monthly   installments   of   $153,   commencing   from   draw   down,   and   a
balloon payment of $6,100 payable together with the last installment,

As part of this transaction, the Company has continuous options, after the third year, to buy back the vessels at purchase prices
stipulated in the bareboat agreements depending on when the option is exercised and at the end of the ten year period it has an
obligation to buy back the vessels at a cost represented by the balloon payment. The gross proceeds from the sale of the M/T
Stenaweco Excellence were $25,600, for M/T Stenaweco Energy $21,375 and for M/T Stenaweco Evolution $24,400.

The SLB with OFI contains a covenant requiring the Company throughout the sale and leaseback period to remain listed in the
NASDAQ exchange and requiring that there is no change of control of the Company, save with the prior written consent of OFI.

The sale and leaseback agreements with OFI was accounted as financing transactions, as control will remain with the Company and
the vessels will continue to be recorded as assets on the Company's balance sheet. In addition the Company has the obligation to
repurchase the vessels.

Avic International Leasing Co., Ltd ("AVIC") Sale and Leaseback

On September 30, 2019 the owning companies of the M/T Eco Los Angeles and M/T Eco City of Angels entered into an SLB with
AVIC, a non-affiliated party, for their newbuilding vessels M/T Eco Los Angeles and M/T Eco City of Angels. Consummation of
the SLB and drawdown of funds took place on the vessels delivery dates from the shipyard, namely on February 10 and February
17 2020 respectively. Following the sale, the Company has bareboat chartered back the vessels for a period of ten years at a
bareboat hire of $9,435 for the first 5 years and $9,090 for the next 5 years per day per vessel, with a balloon installment of $11,288
for each vessel on the final charter hire date. As part of this transaction, the Company has continuous options, after the second year,
to buy back the vessels at purchase prices stipulated in the bareboat agreement depending on when the option is exercised and at the
end of the ten year period it has an obligation to buy back the vessels at a cost represented by the balloon payment. The gross
proceeds from the sale amounted to $60,200 for both vessels.

The SLB with AVIC contains a covenant requiring that there is no change of control of the Company, save with the prior written
consent of AVIC.

The SLB with AVIC will be accounted as a financing transaction, as control will remain with the Company and the vessels will
continue to be recorded as an asset on the Company's balance sheet. In addition the Company has the obligation to repurchase the
vessels.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

As of December 31, 2019 the outstanding amount under the Avic facility was $0.

Scheduled Principal Repayments: The Company's annual principal payments required to be made after December 31, 2019 on its
loan obligations, are as follows (including the financings under sale and leaseback agreements but excluding the facilities related to
the vessels held for sale and the AVIC facility that was not drawn down as of December 31, 2019):

Years
December 31, 2020
December 31, 2021
December 31, 2022
December 31, 2023
December 31, 2024
December 31, 2025 and thereafter
Total

18,112
28,735
17,390
33,523
53,608
134,919
286,287

As   of   December   31,   2019,   the   Company   was   in   compliance   with   all   debt   covenants   with   respect   to   its   loans   and   credit
facilities. The fair value of debt outstanding on December 31, 2019, after excluding unamortized financing fees, amounted to
$ 319,091 when valuing the Cargill, BoComm and CMBFL Sale and Leasebacks on the basis of the Commercial Interest Reference
Rates ("CIRR"s) as applicable on December 31, 2019, which is considered to be a Level 2 item in accordance with the fair value
hierarchy.

Financing Costs: The net additions in deferred financing costs amounted to $3,609 and $6,773 during the years ended December
31, 2018 and 2019 respectively.

9.

Commitments and Contingencies:

Legal proceedings:

Various claims, suits, and complaints, including those involving government regulations and product liability, arise in the ordinary
course of the shipping business. As part of the normal course of operations, the Company's customers may disagree on amounts due
to the Company under the provision of the contracts which are normally settled through negotiations with the customer. Disputed
amounts are normally reflected in revenues at such time as the Company reaches agreement with the customer on the amounts due.

On August 1, 2017, the Company received a subpoena from the U.S. Securities and Exchange Commission ("SEC") requesting
certain documents and information in connection with offerings made by the Company between February 2017 and August 2017.
The Company provided the requested information to the SEC in response to that subpoena. On September 26, 2018 and on October
5, 2018 the Company received two additional subpoenas from the SEC requesting certain documents and information in connection
with the previous subpoena the Company received on August 1, 2017. The Company provided the requested information to the
SEC in response to these subpoenas. The SEC investigation is ongoing and the Company continues to cooperate with the SEC in its
investigation. The Company is unable to predict what action, if any, might be taken by the SEC or its staff as a result of this
investigation or what impact, if any, the cost of responding to the SEC's investigation or its ultimate outcome might have on the
Company's financial position, results of operations or liquidity. Hence the Company has not established any provision for losses
relating to this matter.

On August 23, 2017, a purported securities class action complaint was filed in the United States District Court for the Eastern
District of New York (No. 2:17-cv-04987(JFB)(SIL)) by Christopher Brady on behalf of himself and all others similarly situated
against (among other defendants) the Company and two of its executive officers. The complaint is brought on behalf of an alleged
class of those who purchased common stock of the Company between January 17, 2017 and August 22, 2017, and alleges that the
Company and two of its executive officers violated Sections 9, 10(b) and/or 20(a) of the Securities Exchange Act of 1934 and Rule
10b-5 promulgated thereunder. On August 24, 2017, a second purported securities class action complaint was filed in the same
court against the same defendants (No. 2:17-cv-05016 (JFB)(SIL)) which makes similar allegations and purports to allege violations
of Sections 10(b) and 20(a) of the Exchange Act and Rule 10b-5 promulgated thereunder. By order dated July 20, 2018, the court
consolidated   the   two   actions   under   docket   no.   2:17-cv-04987   and   appointed   lead   plaintiffs   for   the   consolidated   action.   On
September 18, 2018, the plaintiffs filed a consolidated amended complaint. The amended complaint purports to be brought on
behalf of shareholders who purchased the common stock of the Company between November 23, 2016 and April 3, 2018, makes
allegations similar to those made in the original complaints, seeks similar relief as the original actions, and alleges that some or all
the defendants violated sections 9, 10(b), 20(a), and/or 20A of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated
thereunder. All defendants filed motions to dismiss the amended complaint on March 25, 2019. Plaintiffs filed a consolidated
opposition to defendants' motions to dismiss on May 24, 2019.  Defendants filed replies in further support of the motions to dismiss
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under Rule 12(b)(6) and denied Plaintiffs' request for leave to amend.  On August 7, 2019, the Court entered judgment dismissing
the case.  Plaintiffs filed a notice of appeal on August 26, 2019.  Plaintiffs/appellants filed their opening brief on the appeal on
October   25,   2019.     Defendants/appellees   filed   their   response   briefs   on   November   26   and   November   27,   2019,   and
plaintiffs/appellants filed their reply brief on December 11, 2019.  The Court of Appeals held oral argument on March 10, 2020 and
took the matter under advisement. On April 2, 2020, the Court of Appeals issued a summary order affirming the District Court's
decision dismissing Plaintiffs' claims and denying leave to amend. The Court of Appeals is scheduled to issue a mandate making the
decision effective on April 23, 2020 if Plaintiffs do not file a motion for reargument. The Company and its management believe that
the allegations in the complaints are without merit and plan to vigorously defend themselves against the allegations.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

By letter dated January 2, 2019, certain co-defendants in the class action litigation (Kalani Investments Ltd. ("Kalani"), Murchinson
Ltd. and Marc Bistricer) requested that the Company indemnify and hold them harmless against all losses, including reasonable
costs of defense, arising from the litigation, pursuant to the provisions of the Common Stock Purchase Agreement between the
Company and Kalani. The Company acknowledged receipt of this indemnification request by letter dated February 20, 2019, and
reserved all of its rights.

Other than the cases mentioned above, the Company is not a party to any material litigation where claims or counterclaims have
been filed against the Company other than routine legal proceedings incidental to its business.

Capital Expenditures under the Company's Newbuilding program:

In December 2019 the Company entered into a series of transactions with a number of entities affiliated with Evangelos J. Pistiolis
that led to the purchase of a number of newbuilding contracts (please see Note 1 and 5). As a result of these transactions, the
Company has remaining contractual commitments for the acquisition of vessels under constructions totaling $64,048, comprising of
$ 32,024 and $32,024 pursuant to the newbuilding agreements for M/T Eco Los Angeles and M/T Eco City of Angels respectively
(see Note 1). These contractual commitments were paid in the first quarter of 2020 on delivery of the vessels to the Company.

Environmental Liabilities:

The Company accrues for the cost of environmental liabilities when management becomes aware that a liability is probable and is
able to reasonably estimate the probable exposure. Currently, management is not aware of any such claims or contingent liabilities,
which should be disclosed, or for which a provision should be established in the accompanying consolidated financial statements.

10. Common and Preferred Stock, Additional Paid-In Capital and Dividends:

Reverse stock split: On May 11 2017, June 23 2017, August 3 2017, October 6 2017, March 26 2018 and August 22 2019, the
Company effected a 1-for-20, a 1-for-15, a 1-for-30, a 1-for-2, a 1-for-10 and a 1-for-20 reverse stock split of its common stock
respectively. There was no change in the number of authorized common shares of the Company. All numbers of share and earnings
per share amounts, as well as warrant shares eligible for purchase under the Company's warrants, in these financial statements have
been retroactively adjusted to reflect these reverse stock splits.

Series C preferred convertible shares: On February 17, 2017, the Company completed a private placement of 7,500 Series C
convertible preferred shares (the "Series C shares") for an aggregate principal amount of $7,500 with Xanthe. Holders of Series C
shares had no voting rights. The Company at its option had the right to redeem the outstanding Series C shares at an amount equal
to 120% of the Conversion Amount being redeemed. The holders of Series C shares were entitled to receive quarterly dividends at a
rate of 8% per annum payable in common shares, except that any dividend not paid in common shares would be payable in cash.
During the year ended December 31, 2017 the Company issued 45,232 common shares upon the conversion of 7,500 Series C
shares and paid $600 in dividends. Also in consideration for entering into the agreement, the Company issued $113 of its common
stock to Xanthe as a commitment fee. As of December 31, 2017 all Series C shares had been converted to common stock.

Series D preferred shares: On May 8, 2017, the Company issued 100,000 shares of Series D preferred shares (the "Series D
shares") to Tankers Family Inc., a company controlled by Lax Trust for one thousand dollars ($1,000) pursuant to a stock purchase
agreement. The Series D shares are not convertible into common shares and each Series D share has the voting power of 1,000
common shares. The Series D shares have no dividend or distribution rights and shall expire and all outstanding Series D shares
shall be redeemed by the Company for par value on the date that any loan with any other financial institution, which contain
covenants that require that any member of the family of Mr. Evangelos J. Pistiolis maintain a specific minimum ownership or
voting interest (either directly and/or indirectly through companies or other entities beneficially owned by any member of the
Pistiolis family and/or trusts or foundations of which any member of the Pistiolis family are beneficiaries) of the Company's issued
and  outstanding  common  shares, respectively, are  fully  repaid  or  reach  their  maturity  date. The  Series  D shares shall  not  be
otherwise redeemable and upon any liquidation, dissolution or winding up of the Company, the Series D shares shall have a
liquidation preference of $0.01 per share. The Series D Preferred Shares shall not be otherwise redeemable. Currently the SLBs
with Bank of Communications Financial Leasing Company, Oriental Fleet International Company Limited and China Merchants
Bank Financial Leasing have similar provisions that are satisfied via the existence of the Series D Shares.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

Common stock purchase agreement: On February 2, 2017, the Company, entered into an agreement, as amended four times during
2017, with Kalani, under which the Company could sell up to $40,341 of its common stock to Kalani over a period of 24 months,
subject to certain limitations (the "Common stock purchase agreement"). Proceeds from sales of common stock were used for
general corporate purposes. Kalani had no right to require any sales and was obligated to purchase the common stock as directed by
the   Company,   subject   to   certain   limitations   set   forth   in   the   agreement.   In   consideration   for   entering   into   the   agreement,   the
Company issued $606 of its common stock to Kalani as a commitment fee. No warrants, derivatives, or other share classes were
associated with this agreement. As of December 31, 2017, the Company had received proceeds (net of 1% commitment fees),
amounting to $39,937 and issued 31,638    common shares. On October 12, 2017 the Common stock purchase agreement was
completed.

First Crede Purchase Agreement: On November 7, 2017, the Company, entered into an agreement with Crede, pursuant to which
the Company could sell up to $25,000 of shares of its common stock, to Crede over a period of 24 months, subject to certain
limitations (the "First Crede Purchase Agreement"). In consideration for entering into the First Crede Purchase Agreement, the
Company agreed to issue up to $500 of shares of its common stock, to Crede as a commitment fee. Crede had no right to require
any sales and was obligated to purchase the common stock as directed by the Company, subject to certain limitations set forth in the
agreement. Proceeds from sales of common stock were used for general corporate purposes. No warrants, derivatives, or other share
classes were associated with this agreement. As of December 31, 2017, the Company had received proceeds, amounting to $25,000
and issued 269,148 common shares, out of which 7,500 shares refer to commitment fees. On December 14, 2017 the First Crede
Purchase Agreement was completed.

Second Crede Purchase Agreement: On December 11, 2017, the Company, entered into a second agreement with Crede, pursuant
to which the Company could sell another $25,000 of shares of its common stock, to Crede over a period of 24 months, subject to
certain   limitations   (the   "Second   Crede   Purchase   Agreement").   In   consideration   for   entering   into   the   Second   Crede   Purchase
Agreement, the Company agreed to issue up to $500 of shares of its common stock, to Crede as a commitment fee. Crede has no
right   to   require   any   sales   and   was   obligated   to   purchase   the   common   stock   as   directed   by   the   Company,   subject   to   certain
limitations set forth in the agreement. Proceeds from sales of common stock were to be used for general corporate purposes. No
warrants, derivatives, or other share classes are associated with this agreement. As of December 31, 2018, the Company had
received proceeds, amounting to $14,810 and issued 402,500 shares, out of which 5,795 shares refer to commitment fees. The
Company terminated the Second Crede Purchase Agreement on May 23, 2018.

Issuance of common stock and warrants as part of the 2018 Common Stock Offering: On October 26, 2018, the Company priced
a public offering of 100,000 shares of common stock, and warrants to purchase 175,000 common shares (the "2018 Warrants"), at
$30 per common share and $0.0002 per warrant. The 2018 Warrants had an exercise price of $30 per share, were exercisable
immediately, and expired four months from the date of issuance. Each warrant granted the warrant holder the option to purchase
one common share of the Company at any time within the abovementioned term (American style option). The proceeds from this
offering (net of 6.5% placement agent fees), were $2,805. As of December 31, 2019, all 2018 Warrants, namely 3,500,000, have
been exercised for gross proceeds of $3,788 and 175,000 common shares were issued pursuant to these exercises (out of which
97,350 were issued during the year ended December 31, 2019). The Company accounted for the 2018 Warrants as equity in
accordance with the accounting guidance for derivatives. The accounting guidance provides a scope exception from classifying and
measuring as a financial liability a contract that would otherwise meet the definition of a derivative if the contract is both (i)
indexed to the entity's own stock and (ii) meets the equity classifications conditions.  The Company concluded these warrants
should be equity-classified since they contain no provisions which would require the Company to account for the warrants as a
derivative liability, and therefore were initially measured at fair value in permanent equity with subsequent changes in fair value not
measured.

On initial recognition the fair value of the 2018 Warrants was $1,671 and was determined using the Black-Scholes methodology.
The   fair   value   is   considered   by   the   Company   to   be   classified   as   Level   3   in   the   fair   value   hierarchy   since   it   is   derived   by
unobservable inputs. The major unobservable input in connection with the valuation of the Company's 2018 Warrants was the
volatility used in the valuation model, which is approximated by using four-month daily historical observations of the Company's
share price. The annualized four-month daily historical volatility that has been applied in the warrant valuation was 108%. A 5%
increase in the volatility applied would have led to an increase of 3.8% in the fair value of the 2018 Warrants.

Equity distribution agreement: On May 25, 2018, the Company, entered into an equity distribution agreement, or as is commonly
known, an at-the-market offering, with Maxim Group LLC ("Maxim"), under which the Company could sell up to $14,250 of its
common stock with Maxim acting as a sales agent over a period of 12 months (the "Maxim ATM"). Since Maxim was acting solely
as a sales agent, it had no right to require any common stock sales. No warrants, derivatives, or other share classes were associated
with this agreement. On July 24, 2018 the Company terminated the Maxim ATM and as of that date the Company had received
proceeds (net of 2% fees), amounting to $2,781 and issued 124,543 common shares.

2014 Warrants: On July 31, 2019 the 2014 Warrants expired. From January 1, 2019 up to July 31, 2019 1,268,000 2014 Warrants,
were exercised for gross proceeds of $3,161 and 337,035 common shares were issued pursuant to these exercises.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

Issuance of common stock and warrants as part of the September 2019 Common Stock Offering: On September 13, 2019, the
Company closed an underwritten public offering of an aggregate of 1,580,000 common shares (or pre-funded warrants to purchase
common shares in lieu thereof, the Pre-Funded Warrants), warrants, or the Traditional Warrants, to purchase up to 1,790,000 of the
Company's common shares and an overallotment option of up to 237,000 common shares, or the September 2019 Transaction. This
resulted in gross proceeds of $10,480 before deducting underwriting discounts, commissions and other offering expenses. The gross
proceeds include the partial exercise of 85,000 common shares of the underwriter's over-allotment option granted in connection
with the offering. From September 13 to December 31, 2019, 1,245,090 common shares were issued pursuant to the cashless
exercise of 1,778,700 Traditional Warrants. The Traditional Warrants expired on December 31, 2019.

The Traditional Warrants entitled their holders to purchase either 1 common share upon a cash exercise or 0.7 common shares upon
a cashless exercise. Each Traditional Warrants had an exercise price of $8.19 per share and was exercisable from the date of
issuance up to December 31, 2019. The Traditional Warrants could have been exercised on a cashless basis beginning on the earlier
of (i) 30 days from the closing date and (ii) the trading day on which the aggregate trading volume of the Company's common
shares since the date of filing of the registration statement registering the common shares underlining the Traditional Warrants was
equal to more than 4.74 million common shares (the "Cashless Date") if the VWAP of the common shares on any trading day on or
after the Cashless Date failed to exceed the exercise price. The number of common shares issuable in such cashless exercise was 0.7
of a common share that would be issuable upon exercise of a Traditional Warrant in accordance with its terms if such exercise were
by means of a cash exercise.

The Company accounted for the Traditional Warrants as equity in accordance with the accounting guidance for derivatives. The
accounting guidance provides a scope exception from classifying and measuring as a financial liability a contract that would
otherwise meet the definition of a derivative if the contract is both (i) indexed to the entity's own stock and (ii) meet the equity
classifications conditions.  The Company concluded these warrants should be equity-classified since they contain no provisions
which would require the Company to account for the warrants as a derivative liability and therefore were initially measured at fair
value in permanent equity with subsequent changes in fair value not measured.

On   initial   recognition   the   fair   value   of   the   Traditional   Warrants   was   $1,139   and   was   determined   using   the   Black-Scholes
methodology. The fair value is considered by the Company to be classified as Level 3 in the fair value hierarchy since it is derived
by unobservable inputs. The major unobservable input in connection with the valuation of the Company's Traditional Warrants was
the   volatility   used   in   the   valuation   model,   which   is   approximated   by   using   three-month   daily   historical   observations   of   the
Company's share price. The annualized three-month daily historical volatility that has been applied in the warrant valuation was
181%. A 5% increase in the volatility applied would have led to an increase of 10% in the fair value of the Traditional Warrants.

Issuance of common stock and warrants as part of the November 2019 Registered Direct Offering: On November 6, 2019, the
Company entered into a placement agent agreement with Maxim Group LLC relating to the sale of the Company's securities, or the
Placement Agent Agreement. Pursuant to the Placement Agent Agreement, we entered into the Securities Purchase Agreement,
with certain institutional investors in connection with a registered direct offering of an aggregate of 4,200,000 of the Company's
common shares at a public offering price of $2.00 per share, registered on the Company's Registration Statement on Form F-3
(333-215577), or the Registered Offering. Concurrently with the Registered Offering and pursuant to the Purchase Agreement, we
also commenced a private placement whereby we issued and sold Class A Warrants (or the "Class A Warrants") to purchase up to
4,200,000 of the Company's common shares and Class B Warrants (or the "Class B Warrants") to purchase up to 4,200,000 of the
Company's common shares. The November 2019 Registered Direct Offering resulted in gross proceeds of $8,400 before deducting
underwriting discounts, commissions and other offering expenses. The Class A Warrants and Class B Warrants were registered via a
registration statement in form F1 that became effective on January 21, 2020.

As of December 31, 2019 the Company had 4,200,000 Class A Warrants and 4,200,000 Class B Warrants outstanding. During the
year ended December 31, 2019 no Class A Warrants or Class B Warrants were exercised.

The Class A Warrants entitle their holders to purchase either 1 common share upon a cash exercise or 0.4 common shares upon a
cashless exercise. Each Class A Warrant has an exercise price of $2.00 per share and is exercisable from the date of issuance up to
July 7, 2020. The Class A Warrants may be exercised on a cashless basis beginning on the earlier of (i) 30 days from the closing
date and (ii) the trading day on which the aggregate trading volume of the Company's common shares November 6, 2019 is equal to
more than three times the number of common shares offered pursuant to the Purchase Agreement (the "Cashless Date") if the
VWAP of the common shares on any Trading Day on or after the Cashless Date fails to exceed $3.20 on such date (as may be
subject to adjustment). The number of common shares issuable in such cashless exercise is 0.4 of a common share that would be
issuable upon exercise of a Class A Warrant in accordance with its terms if such exercise were by means of a cash exercise.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

The Company accounted for the Class A Warrants as equity in accordance with the accounting guidance for derivatives. The
accounting guidance provides a scope exception from classifying and measuring as a financial liability a contract that would
otherwise meet the definition of a derivative if the contract is both (i) indexed to the entity's own stock and (ii) meets the equity
classifications conditions.  The Company concluded these warrants should be equity-classified since they contain no provisions
which would require the Company to account for the warrants as a derivative liability and therefore were initially measured at fair
value in permanent equity with subsequent changes in fair value not measured.

On initial recognition the fair value of the Class A Warrants was $1,343 and was determined using the Black-Scholes methodology.
The   fair   value   is   considered   by   the   Company   to   be   classified   as   Level   3   in   the   fair   value   hierarchy   since   it   is   derived   by
unobservable inputs. The major unobservable input in connection with the valuation of the Company's Traditional Warrants was the
volatility used in the valuation model, which is approximated by using eight-month daily historical observations of the Company's
share price. The annualized eight -month daily historical volatility that has been applied in the warrant valuation was 127%. A 5%
increase in the volatility applied would have led to an increase of 7.35% in the fair value of the Class A Warrants.

The Class B Warrants entitle their holders to purchase either 1 common share upon a cash exercise. Each Class B Warrant has an
exercise price of $2.00 per share and is exercisable from the date of issuance up to May 7, 2021.

The Class B Warrants have a number of round down protection measures embedded in the warrant agreement. These measures
provide for a downward adjustment of the exercise price of each warrant in the following cases:

•

•

•

•

Issuance of common shares: if the Company issues, sells or is deemed to have issued or sold any common shares for a
consideration per share less than the exercise price of the Class B Warrants then the latter shall be reduced to match the
reduced consideration per share.
Issuance of options or convertible securities: if the Company issues or sells any options at a strike price that is lower than
the exercise price of the Class B Warrants then the latter will be reduced to match the strike price of the options. If the
Company issues convertible securities that end up converting at a price per share that is lower than the exercise price of the
Class B Warrants then the latter will be reduced to match that conversion price per share.
Change in option price or rate of conversion: if the purchase or exercise price provided for in any of the Company's
options, the  additional  consideration, if  any, payable  upon  the  issue,  conversion, exercise  or exchange  of any  of  the
Company's convertible securities, or the rate at which any convertible securities of the Company are convertible into or
exercisable or exchangeable for common shares increases or decreases at any time, then the Class B Warrants' exercise
price will be adjusted to such price, provided that it is lower than the existing at the time Class B Warrants' exercise price.
Other events:  if   the  Company   takes  any  action  that   results   in   the  dilution  of  the  warrant  holder  not   covered  by  the
abovementioned round down protection measures (including, the granting of stock appreciation rights, phantom stock
rights or other rights with equity features), then the Company shall determine and implement an appropriate adjustment in
the exercise price so as to protect the rights of the warrant holder.

The above list is not exhaustive and for a more comprehensive and complete list of round down protection measures one should
read the Class B Warrant agreement.

In connection with the abovementioned round down protection, the change in the conversion price of the Series E shares constituted
a "Change in Option Price or Rate of Conversion" (as defined in the Class B Warrant agreement) and that, pursuant to Section
3(f)(iii) of the Class B Warrant agreement, entitles each holder to in any exercise of Class B Warrants, designate the Exercise Price
(as defined in the Class B Warrant agreement) as the conversion price at which the Series E Shares are convertible, namely the
lesser of: (i) $20.00, (ii) 80% of the lowest daily VWAP of the Company's common shares over the twenty consecutive trading days
expiring on the trading day immediately prior to the date of delivery of a conversion notice, (iii) the conversion price or exercise
price per share of any of the Company's then outstanding convertible shares or warrants, (iv) the lowest issuance price of the
Company's common shares in any transaction from the date of the issuance the Series E Shares onwards, but in no event will the
Exercise Price be less than $1.00 (Floor Price). During the year ended December 31, 2019 no Class B Warrants were exercised.

As of December 31, 2019 the Class B Warrants exercise price was $1.00 (floor price).

Accounting Treatment of the Class B Warrants

As of the issuance date the fair value of the 4,200,000 Class B Warrants amounted to $0.3052 per warrant, using the Cox, Ross and
Rubinstein Binomial methodology.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

The   fair   value   is   considered   by   the   Company   to   be   classified   as   Level   3   in   the   fair   value   hierarchy   since   it   is   derived   by
unobservable inputs. The major unobservable input in connection with the valuation of the Company's Class B Warrants was the
volatility used in the valuation model. The annualized eighteen-month daily historical volatility that has been applied in the warrant
valuation at inception was 134%. A 5% increase in the volatility applied would have led to an increase of 14% in the fair value of
the Class B Warrants.

The warrants issued in connection with the Company's follow-on offering provide for physical settlement requiring the Company to
deliver shares to the holder of the warrants in exchange of cash. However the warrants provide for a series of round down protection
features that in accordance with ASU No. 2017-11 led to their classification as a liability since the settlement amount of the
warrants may not equal the difference between the fair value of a fixed number of the Company shares and a fixed strike price. As a
result, the fair value of the warrants is classified as a derivative liability and subsequent changes in fair value are recognized in the
consolidated statements of comprehensive loss (see Note 15).

Dividends: No dividends were paid to common stock holders in the years ended December 31, 2017, 2018 and 2019. An amount of
$600 in common shares was paid to holders of Series C shares during year ended December 31, 2017.

11.

Loss Per Common Share:

All shares issued are included in the Company's common stock and have equal rights to vote and participate in dividends and in
undistributed earnings.

The components of the calculation of basic and diluted earnings per share for the years ended December 2017, 2018 and 2019 are as
follows:

Year Ended December 31,
2018

2017

2019

Income:
Net loss attributable to common shareholders

Earnings per share:
Weighted average common shares outstanding, basic and diluted
 Loss per share, basic and diluted

(13,404)

(11,134)

(30,985)

53,169
(251)

909,072
(12.20)

2,927,608
(10.58)

For the years ended December 31, 2017, 2018 and 2019 no dilutive shares were included in the computation of diluted earnings per
share because to do so would have been antidilutive for the period presented.

12. Voyage and Vessel Operating Expenses and Drydock expenses:

The amounts in the accompanying consolidated statements of comprehensive loss are as follows:

Voyage Expenses

Year Ended December 31,
2018

2017

2019

Port charges / other voyage expenses
Bunkers
Commissions (including $487, $511 and $829 respectively, to related party)
Total

10
15
974
999

1
18
1,001
1,020

678
830
1,530
3,038

Vessel Operating Expenses

Year Ended December 31,
2018

2017

2019

Crew wages and related costs
Insurance
Repairs and maintenance (including $136, $187 and $247 respectively, to related
party)
Spares and consumable stores
Registration and tonnage taxes (Note 16)
Total

9,228
777

973
2,374
92
13,444

10,185
761

1,120
2,645
115
14,826

15,771
1,180

1,528
4,148
159
22,786

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise

stated)

13.

Interest and Finance Costs:

The amounts in the accompanying consolidated statements of comprehensive loss are analyzed as follows:

Interest and Finance Costs

Year Ended December 31,
2018

2019

2017

Interest on debt (including $138, $874 and $928, respectively, to related party)
Bank   charges   and   loan   commitment   fees   (including   $366,   $179   and   $20,
respectively, to related party)
Amortization and write-off of financing fees
Amortization of debt discount
Non-cash debt conversion expenses
Total
Less interest capitalized
Total

5,724

7,373

16,586

440
1,640
7,500
842
16,146
(353)
15,793

262
1,305
2,504
-
11,444
(1,782)
9,662

282
1,812
324
-
19,004
(927)
18,077

14.

Income Taxes:

Marshall Islands, Cyprus and Liberia do not impose a tax on international shipping income. Under the laws of Marshall Islands,
Cyprus and Liberia, the countries of the companies' incorporation and vessels' registration, the companies are subject to registration
and   tonnage   taxes,   which   have   been   included   in   Vessel   operating   expenses   in   the   accompanying   consolidated   statements   of
comprehensive loss.

The Company and its subsidiaries were not subject to United States federal income taxation in respect of income that is derived
from the international operation of ships and the performance of services directly related as they qualified for the exemption of
Section 883 of the Internal Revenue Code of 1986, as amended.

15.

Financial Instruments:

The principal financial assets of the Company consist of cash on hand and at banks, restricted cash, prepaid expenses and other
receivables. The  principal  financial  liabilities  of  the  Company  consist  of  short  and  long  term loans, accounts  payable  due  to
suppliers, amounts due from/to related parties, accrued liabilities, interest rate swaps and warrants granted to third parties.

a)

Interest rate risk: The Company is subject to market risks relating to changes in interest rates relating to debt outstanding
under the bank loans on which it pays interest based on LIBOR plus a margin. In order to manage part or whole of its
exposure to changes in interest rates due to the floating rate indebtedness, the Company has entered into interest rate swap
agreements with ABN Amro Bank and Alpha Bank and might enter into more interest rate swap agreements in the future.

b) Credit risk: Financial instruments, which potentially subject the Company to significant concentrations of credit risk,
consist principally of cash. The Company places its temporary cash investments, consisting mostly of deposits, with high
credit qualified financial institutions. The Company performs periodic evaluations of the relative credit standing of those
financial institutions with which it places its temporary cash investments.

c) Fair value:

The following methods and assumptions were used to estimate the fair value of each class of financial instrument:

Cash and cash equivalents and restricted cash are considered Level 1 items as they represent liquid assets with short term maturities.
The Company considers its creditworthiness when determining the fair value of its liquid assets.

The fair value of interest rate swaps is determined using a discounted cash flow method taking into account current and future
interest rates and the creditworthiness of both the financial instrument counterparty the Company and, hence, they are considered
Level 2 items in accordance with the fair value hierarchy. The Company pays a fixed rate and receives a floating rate for these
interest rate swaps. The fair values of these derivatives were derived principally from, or corroborated by, observable market data
inputs   included   quoted   prices   for   similar   assets,   liabilities   (risk   adjusted)   and   market-corroborated   inputs,   such   as   market
comparables, interest rates, yield curves and other items that allowed values to be determined.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

The fair value of warrants is determined using the Cox, Ross and Rubinstein Binomial methodology and hence are considered Level
3 items in accordance with the fair value hierarchy.

The Company follows the accounting guidance for Fair Value Measurements. This guidance enables the reader of the financial
statements   to   assess   the   inputs   used   to   develop   those   measurements   by   establishing   a   hierarchy   for   ranking   the   quality   and
reliability of the information used to determine fair values. The guidance requires assets and liabilities carried at fair value to be
classified and disclosed in one of the following three categories:

Level 1: Quoted market prices in active markets for identical assets or liabilities;
Level 2: Observable market based inputs or unobservable inputs that are corroborated by market data;
Level 3: Unobservable inputs that are not corroborated by market data.

Interest rate swap agreements

The Company has entered into interest rate swap transactions to manage interest costs and the risk associated with changing interest
rates with respect to its variable interest rate credit facilities. These interest rate swaps  are pay-fixed, receive-variable interest rate
swaps based on the USD LIBOR swap rate. The Company has entered into the following agreements with ABN Amro Bank and
Alpha Bank relating to interest rate swaps, the details of which were as follows:

Agreement date

Counterparty

Effective (start)
date:

Original
Termination Date:

June 3, 2016

Ju1y 13, 2021
ABN Amro Bank
December 19, 2016 ABN Amro Bank December 21, 2016
January 13, 2022
December 19, 2016 ABN Amro Bank December 21, 2016 August 10, 2022
February 25, 2025
May 17, 2023

Alpha Bank
NORD/LB BANK

March 29, 2018
March 29, 2017

March 29, 2018
May 17, 2017

April 13, 2018

Notional Amount

As of
December
31, 2018

As of
December
31, 2019

$
$
$

$

15,663
16,575
15,050
20,700
18,071

$
$

$

14,113
14,888
-
19,100
-

Fixed rate

1.4425%
2.0800%
2.1250%
2.9700%
2.1900%

On January 17, 2019, as part of the prepayment of ABN Facility Tranche C, the Company unwound the interest rate swap with
ABN Amro bank dated December 19, 2016 and realized a gain of $213. Furthermore on July 15, 2019, as part of the prepayment of
the NORD/LB facility, the Company unwound the interest rate swap with NORD/LB bank dated May 17, 2017 and realized a loss
of $205.

2014 Warrant liability

The Company's 2014 Warrant derivatives outstanding as of December 31, 2018, are recorded at their fair values. As of December
31, 2018 the Company's 2014 Warrant derivatives consisted of 424,923 warrant shares outstanding, issued in connection with the
Company's follow-on offering that closed on June 11, 2014, as depicted in the following table:

2014 Warrants Outstanding
December 31, 2018

1,976,389
* Applying the Variable Exercise Price

2014 Warrant Shares
Outstanding
December 31, 2018
424,923

On July 31, 2019 the 2014 Warrants expired.

Class B Warrant liability

Term
5 years

Warrant Exercise
Price*
$11.60

Fair Value – Liability
December 31, 2018
1,915

The Company's Class B Warrant derivatives outstanding as of December 31, 2019, are recorded at their fair values. As of December
31, 2019 the Company's Class B Warrant derivatives consisted of 4,200,000 warrant shares outstanding, issued in connection with
the Company's November 2019 Registered Direct Offering that closed on November 7, 2019, as depicted in the following table:

Class B Warrants Outstanding
December 31, 2019

4,200,000

* Applying the Floor Price

Class B Warrant Shares
Outstanding
December 31, 2019
4,200,000

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Term
18 months

Warrant Exercise
Price*
$1.00

Fair Value – Liability
December 31, 2019
609

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

Recurring fair value measurements

The following table presents the fair value of those financial assets and liabilities measured at fair value on a recurring basis and
their locations on the accompanying consolidated balance sheets, analyzed by fair value measurement hierarchy level:

 As of December 31, 2018
Non-current asset (Interest Rate Swaps)
Non-current liability (Interest Rate Swaps)
Current liability (2014 Warrants)
C
As of December 31, 2019
Current asset (Interest Rate Swaps)
Current liability (Interest Rate Swaps)
Non-current liability (Interest Rate Swaps)
Non-current liability (Class B Warrants)

Fair Value Measurement at Reporting Date

Using
Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Other
Unobservable
Inputs
(Level 3)

-
-

-

-
-
-

1,153
359

-

82
113
985

-

1,915

-

609

Total

1,153
359

1,915

82
113
985
609

The interest rate swaps relating to the ABN Facility (with effective dates April 13, 2018 and December 21, 2016) have been
classified in current assets and current liabilities respectively, due to the fact that the mortgaged vessels of the ABN Facility have
been classified as held for sale and the facility itself has been classified in current liabilities.

Non-recurring fair value measurements

Fair Value Measurement at Reporting
Date

Using
Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Other
Unobservable
Inputs
(Level 3)

-
-

43,271
19,306

-
-

Total

43,271
19,306

As of December 31, 2019
Assets held for sale
Investments in unconsolidated joint ventures

In accordance with the provisions of relevant guidance, Assets held for sale with a carrying amount of $55,581 were written down
to their fair value of $43,271, resulting in an impairment charge of $12,310, which is included in the accompanying consolidated
statements of comprehensive loss.

Additionally Investments in unconsolidated joint ventures with a carrying amount of $22,450 were written down to their fair value
of   $19,306,   resulting   in   an   impairment   charge   of   $3,144,   which   is   included   in   the   accompanying   consolidated   statements   of
comprehensive loss (see Note 18).

The   fair   value   of   the   impaired   vessels   and   investments   in   unconsolidated   joint   ventures   was   determined   based   on   a   market
approach, which was determined using the purchase consideration in the sale agreements with the respective buyers for both the
Company's vessels in question and the vessels of the joint venture companies. As a result, the Company has classified these long-
lived assets held for sale as Level 2.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

The following table sets forth a summary of changes in fair value of the Company's level 3 fair value measurements for the years
ended December 31, 2018 and 2019:

Closing balance – December 31, 2017
Change in fair value of 2014 Warrants, included in (Loss)/gain on derivative financial

instruments in the consolidated statements of comprehensive loss

Closing balance – December 31, 2018
Change in fair value of 2014 Warrants, included in (Loss)/gain on derivative financial

instruments in the consolidated statements of comprehensive loss

Initial measurement of Class B Warrants at inception
Change in fair value of Class B Warrants, included in (Loss)/gain on derivative financial

instruments in the consolidated statements of comprehensive loss

Closing balance – December 31, 2019

Derivative Financial Instruments not designated as hedging instruments – 2014 Warrants:

3,332
(1,417)

1,915
(1,915)

997
(388)

609

The major unobservable input in connection with the valuation of the Company's 2014 Warrants was the volatility used in the
valuation model, which was approximated by using a six-month daily historical observations of the Company's share price. The
annualized six-month daily historical volatility that had been applied in the warrant valuation as of December 31, 2018 was 110%.
A 5% increase in the volatility applied would have led to an increase of 2.6% in the fair value of the 2014 Warrants. The fair value
of the Company's 2014 Warrants is considered by the Company to be classified as Level 3 in the fair value hierarchy since it is
derived by unobservable inputs.

Quantitative information about Level 3 Fair Value Measurements

Derivative type

Fair Value at December
31, 2018

2014 Warrants

1,915

Balance Sheet Location

Non-Current liabilities
–Derivative financial
instruments

Valuation
Technique
Cox, Ross
and
Rubinstein
Binomial

Significant
Unobservable Input

 Input Value
December
31, 2018

Volatility

110%

Derivative Financial Instruments not designated as hedging instruments – Class B Warrants:

The major unobservable input in connection with the valuation of the Company's Class B Warrants is the volatility used in the
valuation model, which is approximated by using an eighteen-month daily historical observations of the Company's share price. The
annualized eighteen-month daily historical volatility that has been applied in the warrant valuation as of December 31, 2019 was
132%. A 5% increase in the volatility applied would lead to an increase of 15.2% in the fair value of the Class B Warrants. The fair
value of the Company's Class B Warrants is considered by the Company to be classified as Level 3 in the fair value hierarchy since
it is derived by unobservable inputs.

Quantitative information about Level 3 Fair Value Measurements

Derivative type

Fair Value at December
31, 2019

Class B Warrants

609

Balance Sheet Location

Non-Current liabilities
–Derivative financial
instruments

Valuation
Technique
Cox, Ross
and
Rubinstein
Binomial

Location and amounts of derivative financial instruments fair values:

Significant
Unobservable Input

Input Value
December
31, 2019

Volatility

132%

Information on the location and amounts of derivative financial instruments fair values in the balance sheet and derivative financial
instrument losses in the statement of comprehensive loss are presented below:

value

Interest   rate   swaps-   change   in   fair

Amount of gain/(loss) recognized in Statement of comprehensive
(loss)/gain located in Loss on derivate financial instruments

2017

431

2018

404

2019

(841)

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gain/(loss)

Interest

rate   swaps–  

realized

2014 Warrants- change in fair value
Class B Warrants- change in fair value
Total

(476)
(256)
-
(301)

-
1,417
-
1,821

139
1,915
388
1,601

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

Derivative Financial Instruments designated as hedging instruments:

The components of accumulated other comprehensive loss included in the accompanying consolidated balance sheets consist of
unrealized losses on cash flow hedges and are analyzed as follows:

Balance, December 31, 2018
Effective portion of changes in fair value of interest swap contracts
Balance, December 31, 2019

16. Other operating income

Unrealized
(Loss) on
cash
flow hedges
-
(1,361)
(1,361)

During the year ended December 31, 2017 the Company wrote-off $914 of accrued liabilities of vessels sold in 2009, mainly
relating to unearned revenue.

17. Mezzanine Equity

On March 29, 2019, the Company entered into a Stock Purchase Agreement with Family Trading for the sale of 27,129 newly
issued perpetual convertible preferred shares (the "Series E Shares") at a price of one thousand dollars ($1,000) per share. The
proceeds of the sale were used for the full and final settlement of all amounts due under the Further Amended Family Trading
Credit Facility (see Note 8). The issuance of the Series E Shares was approved by a committee of the Company's board of directors,
of which all of the directors were independent.

Each holder of Series E Shares, at any time, has the right, subject to certain conditions, to convert all or any portion of the Series E
Shares then held by such holder into the Company's common shares at the conversion rate then in effect. Each Series E Share is
convertible into the number of the Company's common shares equal to the quotient of one thousand dollars ($1,000) plus any
accrued and unpaid dividends divided by the lesser of the following four prices (the "Series E Conversion Price"): (i) $20.00, (ii)
80% of the lowest daily VWAP of the Company's common shares over the twenty consecutive trading days expiring on the trading
day immediately prior to the date of delivery of a conversion notice, (iii) the conversion price or exercise price per share of any of
the Company's then outstanding convertible shares or warrants, (iv) the lowest issuance price of the Company's common shares in
any transaction from the date of the issuance the Series E Shares onwards, but in no event will the Series E Conversion Price be less
than $0.60. The holders of each Series E Share are entitled to the voting power of one thousand (1,000) common shares of the
Company. Upon any liquidation, dissolution or winding up of the Company, the holders of Series E Shares shall be entitled to
receive the net assets of the Company pari passu with the common shareholders. Furthermore the Company at its option shall have
the right to redeem a portion or all of the outstanding Series E Shares. The Company shall pay an amount equal to one thousand
dollars ($1,000) per each Series E Share (the "Liquidation Amount"), plus a redemption premium equal to fifteen percent (15%) of
the Liquidation Amount being redeemed if that redemption takes place up to and including March 29, 2020 and twenty percent
(20%) of the Liquidation Amount being redeemed if that redemption takes place after March 29, 2020, plus an amount equal to any
accrued and unpaid dividends on such Series E Shares (collectively referred to as the "Redemption Amount").

The Series E Shares shall not be subject to redemption in cash at the option of the holders thereof under any circumstance. Finally
the holders of outstanding Series E Shares shall be entitled to receive, semi-annual dividends payable in cash on the last day of June
and December in each year (each such date being referred to herein as a "Semi Annual Dividend Payment Date"), commencing on
the first Semi Annual Dividend Payment Date, being June 30, 2019 in an amount per share (rounded to the nearest cent) equal to
fifteen percent (15%) per year of the liquidation amount of the then outstanding Series E Shares computed on the basis of a 365-day
year and the actual days elapsed. Accrued but unpaid dividends shall bear interest at fifteen percent (15%). Dividends will not be
payable in cash, if such payment violates any provision of any senior secured facility that the Company has entered or (as the case
may be) will enter into, or any senior secured facility for which the Company has provided or (as the case may be) will provide a
guarantee, for as long as such provisions, if any, remain in effect. Pursuant to the latter provision, on June 30, 2019, the Company
issued 1,029 Series E Shares for the payment of dividends accumulated since the original issuance of the Series E Shares through
June 30, 2019 and on December 31, 2019, the Company declared a dividend of $1,621 for the period July 1, 2019 through
December 31, 2019, which as of December 31, 2019 remained unpaid and is included in Due to related parties in the accompanying
consolidated Balance sheets. During the year ended December 31, 2019 from July 25 to December 2, 2019 the company redeemed
12,434 Series E Shares and paid a total of $14,302 to Family Trading, $1,868 of which refers to the 15% redemption premium
embedded in each redemption that the Company classified as deemed dividend. As of December 31, 2019, upon conversion at the
Series E Conversion Price ($0.60) of 15,724 Series E Shares outstanding, Family Trading would receive 26,206,667 common
shares.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

The Company determined that the Series E shares were more akin to equity than debt and that the above identified conversion
feature, subject to adjustments, was clearly and closely related to the host instrument, and accordingly bifurcation and classification
of the conversion feature as a derivative liability was not required. Given the Series D and Series E preferred stock's holders (Lax
Trust) control a majority of the votes, the preferred equity is in essence redeemable at the option of the holder and hence has been
classified in Mezzanine equity as per ASC 480-10-S99 "Distinguishing liabilities from Equity – SEC Materials". The Company has
adjusted the carrying value of the Convertible Series E shares to the maximum redemption amount, resulting in an increase of
$4,227, which has been accounted as deemed dividend.

Pursuant to the issuance of the convertible preferred stock, the Company recognized the beneficial conversion feature by allocating
the intrinsic value of the conversion option, which is the number of shares of common stock available upon conversion multiplied
by the difference between the effective conversion price per share and the fair value of the Company's common stock per share on
the commitment date, to additional paid-in capital, resulting in a discount of $9,339 on the Series E convertible preferred stock. The
Company has amortized the beneficial conversion in full in the period ended December 31, 2019 as the beneficial conversion was
immediately exercisable and has been recognized as a deemed dividend and  recorded against additional paid-in-capital, as there is
deficit in retained earnings.

18.

Investments in unconsolidated joint ventures

On March 30, 2017, the Company, acquired a 49% ownership interest in City of Athens from Fly Free Company, a Marshall Islands
corporation and wholly-owned subsidiary of the Lax Trust, for an aggregate purchase price of $4,200. City of Athens was party to a
newbuilding contract for the construction of M/T Eco Holmby Hills. Furthermore on March 30, 2017, the Company acquired a 49%
ownership interest in Eco Nine from Maxima International Co., a Marshall Islands corporation and wholly-owned subsidiary of the
Lax Trust, for an aggregate purchase price of $3,500. Eco Nine was a party to a newbuilding contract for the construction of M/T
Eco Palm Springs. On June 14, 2017 the Company acquired an additional 1% interest in City of Athens and in Eco Nine for an
aggregate   consideration   of   $157,  increasing   the   Company's  interest   in   both  companies  to   50%.  Fees   and  costs  related   to  the
investments amounting to $353 were accounted for as part of the investment.

On June 30, 2017 the Lax Trust sold its 50% remaining interest in City of Athens and in Eco Nine to Gunvor S.A. ("Gunvor"), a
non-affiliated company, and on July 7, 2017 the Company entered into a joint venture agreement with Gunvor. Furthermore, upon
the delivery of both vessels, each of the two vessels entered into time charter employments with Clearlake Shipping Pte Ltd, a
subsidiary of Gunvor, for three years firm plus two additional optional years. The Company's exposure is limited to its share of the
net assets of City of Athens and Eco Nine proportionate to its 50% equity interest in these companies. The Company shares the
profits and losses, cash flows and other matters relating to its investments in City of Athens and in Eco Nine in accordance with its
ownership   percentage.   The   vessels   are   managed   by   CSI,   pursuant   to   management   agreements.   The   Company   accounts   for
investments in joint ventures using the equity method since it has joint control over the investment. The Company was obligated to
contribute funds for yard installments in relation to the construction of the vessels of the joint venture companies, as needed and
proportionate to its 50% equity interest in these companies.

On March 12, 2018 City of Athens and in Eco Nine entered into a loan agreement with ABN Amro Bank for a senior debt facility
of $35,900 to fund, the delivery of M/T Eco Holmby Hills and M/T Eco Palm Springs ($17,948 and $17,952 respectively). The loan
was payable in 20 consecutive quarterly installments of $299 per vessel, commencing three months from draw down, and a balloon
payment of $11,965 and $11,968 M/T Eco Holmby Hills and M/T Eco Palm Springs respectively, payable together with the last
installment. The credit facility bears interest at LIBOR plus a margin of 2.90%. The facility carries customary covenants and
restrictions, including the covenant that prohibits City of Athens and Eco Nine to declare any dividends until the second anniversary
of the loan agreement.

On March 15, 2018, City of Athens took delivery of M/T Eco Holmby Hills, a 50,000 dwt newbuilding product/chemical tanker
constructed at the Hyundai shipyard. On March 20, 2018 the vessel commenced its' time charter agreement with Clearlake Shipping
Pte Ltd.

On May 23, 2018, Eco Nine Inc took delivery of M/T Eco Palm Springs, a 50,000 dwt newbuilding product/chemical tanker
constructed at the Hyundai shipyard. On May 26, 2018 the vessel commenced its time charter agreement with Clearlake Shipping
Pte Ltd.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise
stated)

During the year ended December 31, 2017 the Company advanced $5,233 to City of Athens and $3,738 to Eco Nine to cover
upcoming newbuilding installments and $324 to City of Athens and $135 to Eco Nine respectively to cover predelivery expenses.
During   the   year   ended   December   31,   2018   the   Company  advanced   $2,243   to   Eco   Nine   Inc   to   cover   upcoming   newbuilding
installments and another $695 to City of Athens Inc and $744 to Eco Nine Inc respectively to cover predelivery expenses, financing
related expenses and to establish debt service reserves. During the year ended December 31, 2019 the Company recorded its
proportionate   share   of   City   of   Athens   and   Eco   Nine's   other   comprehensive   losses   of   $391   as   a   decrease   to   the   Company's
Investments  in   unconsolidated   joint   ventures,   with   a   corresponding   increase   in   other   comprehensive   loss,   in   accordance   with
ASC 323-10-35-18.

A condensed summary of the financial information for equity accounted investments 50% owned by the Company shown on a
100% basis are as follows:

Current assets
Non-current assets
Current liabilities
Long-term liabilities
Net operating revenues
Net profit
Net profit attributable to the Company

December 31, 2018

December 31, 2019

City of
Athens

Eco Nine

City of
Athens

Eco Nine

898
30,853
1,530
15,627
4,182
396
198

684
30,975
1,762
15,900
3,229
185
93

2,097
29,730
1,780
14,996
5,320
849
425

1,888
29,852
2,013
15,414
5,332
706
353

In December 2019, the Company wrote down its Investment in unconsolidated joint ventures to their fair value less costs to sell,
resulting in an impairment charge of $3,144, pursuant to the Joint Ventures' plan to sell the vessels. Their fair value was based on a
market approach, which was determined using the purchase consideration under in the sale agreements with buyers for the vessels
of the joint venture companies. The M/T Holmby Hills was sold on March 26, 2020 and the Company expects the sale of the M/T
Palm Springs to be concluded by the end of April 2020.

19. Revenues

Revenues are comprised of the following:

Time charter revenues
Time charter revenues from related parties
Voyage charter revenue
Total

2017
39,363
-
-
39,363

2018
39,442
1,606
-
41,048

2019
61,695
1,311
3,082
66,088

The Company typically enters into time charters for periods ranging between three to five years and include a charterer's option to
renew for a further two one-year periods at predetermined daily rates. In addition, the time charter agreements may contain variable
consideration in terms of profit share. The profit share is paid on a quarterly basis and consists of 50% of the difference (if that is
positive) between the average Timecharter equivalent rates for MR2 Product Tankers of a number of publicly listed shipping
companies to the agreed base fixed rate of the respective time charter. Due to the volatility of the charter rates, the Company only
accounts for the options when the Charterer gives notice that the option will be exercised. In a time charter contract, the vessel is
hired by the charterer for a specified period of time in exchange for consideration which is based on a daily hire rate. The charterer
has the full discretion over the ports visited, shipping routes and vessel speed. The contract/charter party generally provides typical
warranties regarding the speed and performance of the vessel. The charter party generally has some owner protective restrictions
such that the vessel is sent only to safe ports by the charterer, subject always to compliance with applicable sanction laws, and carry
only lawful or non-hazardous cargo. In a time charter contract, the Company is responsible for all the costs incurred for running the
vessel such as crew costs, vessel insurance, repairs and maintenance and lubes. The charterer bears the voyage related costs such as
bunker expenses, port charges and canal tolls during the hire period. The charterer generally pays the charter hire in advance of the
upcoming contract period.

Included in Voyage charter revenue for the year ended December 31, 2019 is demurrage earned by the Company of $687. As of
December 31, 2019, all of the Company's vessels are employed under time charters.

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AS OF DECEMBER 31, 2018 AND 2019
AND FOR THE YEARS ENDED DECEMBER 31, 2017, 2018 AND 2019
(Expressed in thousands of United States Dollars – except share, per share earnings and rate per day, unless otherwise

stated)

20.

Subsequent Events

On January 14 and January 21, 2020 the Company sold the M/T Eco Revolution and M/T Eco Fleet respectively to unaffiliated
third parties for gross proceeds of $23,000 and $21,000 respectively. Part of the aggregate proceeds were used to prepay in full the
outstanding amount of the ABN Facility.

From January 16, 2020 to April 10, 2020, we redeemed 21,364 of Series E Shares for $24,568.

On February 10 and February 17, 2020 M/T Eco Los Angeles and M/T Eco City of Angels were delivered from Hyundai Mipo
Dockyard Co., Ltd. in South Korea respectively.

Between January 22 and February 21, 2020, all the Class A Warrants (4,200,000 warrants) were exercised on a cashless basis into
1,680,000 of the Company's common shares.

On February 12, 2020, the Company entered into an equity distribution agreement, or the ATM, with Maxim Group LLC, as sales
agent, under which the Company is permitted to offer and sell, from time to time through Maxim, up to $5,000 of its common
shares. Pursuant to the ATM from February 13 to March 4, 2020 the Company sold 14,637,118 of its common shares, for gross
proceeds of $5,000. On March 4, 2020 the ATM was completed.

On February 17, 2020, the Company issued 16,004 Series E Preferred Shares to Family Trading, as settlement of the consideration
outstanding for the purchase of the construction new building contracts for the M/T Eco City of Angels and M/T Eco Los Angeles
and for Series E Shares dividends payable to Family Trading Inc.

On February 21, 2020, the Company sold the M/T Stenaweco Elegance to unaffiliated third parties for gross proceeds of $33,500,
part of which were used to prepay in full the outstanding amount of the Alpha Bank Facility and the Alpha Bank Top-Up Facility.
The sale resulted in a gain of approximately $2,000.

On March 19, 2020, the Company sold the M/T Eco Palm Desert to unaffiliated third parties for gross proceeds of $34,800, part of
which were used to prepay in full the AT Bank Facility and the AT Bank Bridge Note. The sale resulted in a gain of approximately
$3,200.

On March 26, 2020, the M/T Holmby Hills which is 50% owned by the Company was sold to an unaffiliated third party. The
Company estimates the sale will result in cash dividends and return of capital amounting to approximately $10,066.

On March 11, 2020, the Company entered into a new equity distribution agreement, or the second ATM, with Maxim Group LLC,
as sales agent, under which the Company is permitted to offer and sell, from time to time through Maxim, up to $5,000 of its
common shares. Pursuant to the ATM from March 12 to March 27, 2020 the Company sold 52,692,690 of its common shares, for
gross proceeds of $5,000.

Coronavirus Outbreak: On March 11, 2020, the World Health Organization declared the 2019 Novel Coronavirus (the "2019-
nCoV") outbreak a pandemic. In response to the outbreak, many countries, ports and organizations, including those where we
conduct   a   large   part   of   our   operations,   have   implemented   measures   to   combat   the   outbreak,   such   as   quarantines   and   travel
restrictions. Such measures have and will likely continue to cause severe trade disruptions. The extent to which 2019-nCoV will
impact the Company's results of operations and financial condition will depend on future developments, which are highly uncertain
and cannot be predicted, including new information which may emerge concerning the severity of the virus and the actions to
contain or treat its impact, among others. Accordingly, an estimate of the impact cannot be made at this time.

On April 1, 2020 the Company closed a registered direct offering of 40,000,000 of its common shares at a public offering price of
$0.20 per share. The aggregate gross proceeds of the Registered Offering was $8,000.

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