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The following is an excerpt from a 10-K SEC Filing, filed by MARVEL ENTERPRISES INC on 3/29/2000.

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

The following discussion should be read in conjunction with the financial statements of the Company and the related notes thereto, and the other financial information included elsewhere in this Report.

Set forth below is a discussion of the financial condition and results of operations of the Company for the three fiscal years ended December 31, 1999. Because of the significant effect of the Reorganization on the Company's results of operations, the Company's historical results of operations and period-to-period comparisons will not be indicative of future results.

Overview

Net Sales

The Company's net sales are generated from (i) licensing the Marvel characters for use in merchandise, promotions, feature films, television programs, theme parks and various other areas; (ii) publishing comic books, including related advertising revenues; and (iii) marketing and distributing toys, including toys based on the Marvel characters, proprietary toy products and toys based on properties licensed to the Company from third parties. Licensing, publishing and toys have accounted for 10%, 13% and 77%, respectively, of the Company's net sales for the year ended December 31, 1999. The Company's strategy is to increase the media exposure of the Marvel characters through its media and promotional licensing activities, which it believes will create revenue opportunities for the Company through sales of toys and other licensed merchandise. In particular, the Company plans to focus its future toy business on marketing and distributing toys based on the Marvel characters, which provide the Company with higher margins because no license fees are required to be paid to third parties and, because of media exposure, require less promotion and advertising support than the Company's other toy categories. The Company intends to use comic book publishing to support consumer awareness of the Marvel characters and to develop new characters and storylines.

The Company records as revenue the present value of licensing fees from its licensing activities at the time the Company's characters are available to the licensee and the collection of licensing fees is reasonably assured. Licensing fees booked as revenue but not yet received are recorded as receivables. Licensing receivables due more than one year beyond the balance sheet date are discounted to their net present value.

Operating Expenses: Cost of Sales

There generally is no material cost of sales associated with the licensing of the Company's characters.

Cost of sales for comic book publishing consists of art and editorial, printing and distribution costs. Art and editorial costs account for the most significant portion of publishing cost of sales. Art and editorial costs consist of compensation to editors, writers and artists. The Company generally hires writers and artists on a freelance basis but has exclusive employment contracts with certain key writers and artists.

The Company out-sources the printing of its comic books to an unaffiliated company. The Company's cost of printing is subject to fluctuations in commodity-based products such as paper.

Cost of sales for the toy business consists of product and package manufacturing, shipping and agents' commissions. The most significant portion of cost of sales is product and package manufacturing. The Company, which utilizes multiple manufacturers, solicits multiple bids for each project in order to control its manufacturing costs. A substantial portion of the Company's toy manufacturing takes place in China. A substantial portion of the Company's toy manufacturing contracts are denominated in Hong Kong dollars.

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Operating Expenses: Selling, General and Administrative

Selling, general and administrative costs consist primarily of advertising, royalties, general and administrative, warehousing and store merchandising. The most significant portion of selling, general and administrative costs is advertising and royalties.

Advertising expense varies with the Company's product mix.

Royalties are payable on toys based on characters licensed from third parties, such as World Championship Wrestling, Universal Studios and Sony Pictures, as well as toys developed by outside inventors. There are no royalty payments for Marvel-character-based toy products.

General and administrative costs consist of salaries and corporate overhead.

The Company expects warehousing and store merchandising costs to change over time in line with the Company's toy sales.

Operating Expenses: Depreciation and Amortization

Depreciation and amortization expense consists of amortization of goodwill and other intangibles, tooling, product design and development, packaging design and depreciation expense. Amortization expense increased significantly as a result of the goodwill created pursuant to the combination of Toy Biz, Inc. and MEG, which is amortized over an assumed 20-year life.

Tooling and product design and development and packaging design expense, which are attributable to the toy business, are amortized over the life of the respective product.

Results of Operations of the Company

Year ended December 31, 1999 compared with year ended December 31, 1998

The Company's net sales increased to $319.6 million for the year ended December 31, 1999 from $232.1 million in the 1998 period. The increase in net sales was partially due to the inclusion of twelve months of licensing and publishing revenues in 1999, while only three months of activity was included in 1998, accounting for an increase of approximately $25.9 million and approximately $28.3 million in licensing and publishing revenues , respectively. Toy Biz sales increased by approximately $33.3 million from 1998 to 1999 primarily due to sales of WCW action figures, a product line that was introduced in 1999 and increased sales of large and small dolls, partially offset by a decline in the sales of Marvel-related product.

Gross profit increased $64.7 million to $168.8 million for 1999 from $104.1 million in 1998. The inclusion of the licensing and publishing divisions for twelve months in 1999, while included for only three months in 1998, accounted for approximately $25.7 million and approximately $11.9 million, respectively, of the increase while gross profit from the Toy Biz division increased approximately $27.1 million. Gross Profit as a percentage of net sales increased to approximately 53% in 1999 from approximately 45% in 1998. The licensing and publishing divisions produced gross margins of 98% and 44%, respectively. The gross profit margin for the Toy Biz division increased to 49% in 1999 from 44% in 1998 due primarily to a higher percentage of promotional products, that generally have higher gross profit margins, sold during 1999 and various one-time sales adjustments relating to the Company's acquisition of MEG recorded in 1998.

Selling, general and administrative expense increased $27.5 million to $124.6 million in 1999 from $97.1 million in 1998. Selling, general and administrative expense as a percentage of net sales decreased to approximately 39% in 1999 from approximately 42% in 1998. The selling, general and administrative expenses for the licensing , publishing and corporate divisions increased approximately $29.5 million from $5.6 million in 1998 to approximately $35.1 million in 1999 due to the inclusion of the full-year's activity in 1999.

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The Toy Biz division produced a net decrease of approximately $2.0 million from $91.5 million in 1998 to $89.5 million in 1999; however, the 1998 period included $11.7 million of expenses relating to the termination of license agreements resulting from the Company's integration of MEG's operations which did not recur in 1999. Discounting the one-time charges from 1998, the Toy Biz division accounted for an increase of approximately $9.7 million primarily due to increased advertising and royalty expenses related to increase sales of promotional items in 1999.

Depreciation and amortization expense decreased $1.2 million to $18.1 million in 1999 from $19.3 million in 1998 primarily due to additional amortization expense recorded in 1998 related to early write-offs of discontinued toy products based on Marvel characters as a result of the Bankruptcy Case.

Amortization of goodwill and other intangibles increased $18.8 million to $25.9 million in 1999 from $7.1 million in 1998. The increase was due to the amortization of goodwill created pursuant to the MEG acquisition completed on October 1, 1998.

Interest expense increased $22.7 million to $32.1 million in 1999 from $9.4 million in 1998, primarily due to $25.4 million in interest on the Senior Notes in 1999, offset by a reduction in interest expense related to the Bridge Loan from 1998 to 1999.

As a result of the above, the Company reported a net loss of $33.8 million in 1999 compared to a net loss of $32.6 million in 1998. The Company reported a loss per share after preferred dividends of $1.43 in 1999 compared to a loss per share after preferred dividends of $1.23 in 1998.

Year ended December 31, 1998 compared with year ended December 31, 1997

The Company's net sales increased to $232.1 million for the year ended December 31, 1998 from $150.8 million in the 1997 period. The increase in net sales was partially due to the inclusion of $19.6 million in publishing and licensing revenues in the fourth quarter of 1998 as a result of the acquisition of MEG on October 1, 1998. Net sales in the toy division increased $61.6 million to $212.4 million in 1998. Net sales in the domestic boys' toys category increased $20.1 million to $63.2 million in 1998 due primarily to the introduction of the WCW/NWO Bashin' Brawlers in the second half of 1998, which accounted for $17.2 million in net sales. Net sales in the domestic girls' toys category increased $3.3 million in 1998 to $42.0 million due primarily to the increased product line of new promotional dolls in 1998. Net sales of domestic activity toys and other products increased $3.7 million to $31.7 million in 1998 due primarily to shipments of products related to the Godzilla feature film released in 1998. The Company believes that its net sales in each of its domestic toy categories was adversely affected by Toys 'R' Us' decision to eliminate excess inventory through a one-time reduction in inventory that resulted in significant declines in its purchases from toy manufacturers. Net sales of toy products sold through the import division increased $16.7 million to $47.2 million in 1998, due primarily to shipments of Godzilla products in 1998. International net toy sales increased $.7 million to $28.1 million in 1998. The Company recorded sales allowances of $2.9 million in 1998 which were attributable to the impact of the Merger on the Company's relationship with certain of its international distributors, compared to $18.0 million of sales allowances in 1997 that the Company believes were related to the impact of the Bankruptcy Case on Toy Biz, Inc.'s relationships with its international distributors.

Gross profit increased $60.2 million to $104.1 million for 1998 from $43.9 million in 1997 in part as a result of lower sales allowances in 1998 described above. Gross profit as a percentage of net sales increased to approximately 45% in 1998 from approximately 29% in 1997. The inclusion of MEG's publishing and licensing operations in the fourth quarter of 1998 resulted in $11.4 million of additional gross profit. The gross profit of the publishing and licensing operations as a percentage of publishing and licensing net sales was approximately 58% in the fourth quarter of 1998.

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Selling, general and administrative expense increased $25.0 million to $97.1 million in 1998 from $72.1 million in 1997. Selling, general and administrative expense as a percentage of net sales decreased to approximately 42% in 1998 from approximately 48% in 1997. The increase in selling, general and administrative expense was partially due to the inclusion of $5.7 million of publishing and licensing selling, general and administrative expense for the fourth quarter of 1998. The increase during 1998 was also due to $11.7 million of expenses relating to the termination of license agreements resulting from the Company's integration of MEG's operations, as well as a $9.8 million increase in royalty and advertising expense in 1998 primarily related to the success of the WCW/NWO Bashin' Brawlers.

Depreciation and amortization expense decreased $1.2 million to $19.3 million in 1998 from $20.5 million in 1997 primarily due to additional amortization expense recorded in 1997 related to early write-offs of discontinued toy products based on Marvel characters as a result of the Bankruptcy Case.

Amortization of goodwill and other intangibles increased $6.6 million to $7.1 million in 1998 from $0.5 million in 1997. The increase was due to the amortization of goodwill created pursuant to the MEG acquisition completed on October 1, 1998.

Interest expense increased $8.6 million to $9.4 million in 1998 from $0.8 million in 1997, primarily due to $8.6 million in interest expense on the Bridge Loan for the fourth quarter of 1998.

As a result of the above, the Company reported a net loss of $32.6 million in 1998 compared to a net loss of $29.5 million in 1997. The Company reported a loss per share after preferred dividends of $1.23 in 1998 compared to a loss per share after preferred dividends of $1.06 in 1997.

Liquidity and Capital Resources

The Company's primary sources of liquidity are cash on hand, cash flow from operations and cash available from the $60.0 million Citibank working capital facility. The Company anticipates that its primary needs for liquidity will be to: (i) conduct its business; (ii) meet debt service requirements; (iii) make capital expenditures; and (iv) pay Administration Expense Claims.

Net cash provided by the Company's operations during fiscal 1997, 1998 and 1999 was $12.8 million, $42.0 million and $0.8 million, respectively.

At December 31, 1999, the Company had working capital of $91.9 million.

On October 1, 1998, the Company obtained the Bridge Loan from UBS. The Company used a portion of the proceeds from the Notes Offering to repay the Bridge Loan on February 25, 1999.

On October 1, 1998, the Company and UBS entered into a $50 million credit facility. There were no borrowings under that credit facility, and it was terminated on February 25, 1999.

On February 25, 1999, the Company completed a $250.0 million offering of senior notes (the "Senior Notes") in a private placement exempt from registration under the Securities Act of 1933 ("the Act") pursuant to Rule 144A under the Act. Net proceeds of approximately $239.8 million were used to pay all outstanding balances under the Bridge Facility and for working capital. The Senior Notes are due June 15, 2009 and bear interest at 12% per annum. The Senior Notes may be redeemed beginning June 15, 2004 for a redemption price of 106% of the principal amount, plus accrued interest. The redemption price decreases 2% each year after 2004 and will be 100% of the principal amount, plus accrued interest, beginning on June 15, 2007. In addition, 35% of the Senior Notes may, under certain circumstances, be redeemed before June 15, 2002 at 112% of the principal amount, plus accrued interest. Principal and interest on the

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Senior Notes are guaranteed on a senior basis jointly and severally by each of the Company's domestic subsidiaries. On August 20, 1999, the Company completed an exchange offer under which it exchanged virtually all of the Senior Notes, which contained restrictions on transfer, for an equal principal amount of registered, transferable notes whose terms are identical in all other material respects to the terms of the Senior Notes.

In February 1999, in connection with the repayment of the Bridge Facility and the termination of the UBS Credit Facility, the Company recorded an extraordinary charge of approximately $1.5 million, net of tax benefit for the write-off of deferred financing costs associated with these two facilities.

On April 1, 1999, the Company and Citibank, N.A. ("Citibank") entered an agreement for a $60.0 million Revolving Credit Facility ("Citibank Credit Facility"). The Citibank Credit Facility bears interest at either the bank's base rate (defined as the higher of the prime rate or the sum of 1/2 of 1% plus the Federal Funds Rate) plus a margin ranging from 0.75% to 1.25% depending on the Company's financial performance or at the Eurodollar rate plus a margin ranging from 2.25% to 2.75% depending on the Company's financial performance. The Citibank Credit Facility requires the Company to pay a commitment fee of 0.625% per annum on the average daily unused portion of the facility unless there is at least $20.0 million outstanding borrowings in which case the rate is 0.50% per annum for the amount outstanding above $20.0 million. The Company has not borrowed under the Citibank Credit Facility. The amount available under this facility is reduced by the amount of letters of credit outstanding, which is approximately $385,000 as of March 15, 2000. The Citibank Credit Facility is secured by a lien on all of the Company's inventory and receivables.

On October 1, 1998, the Company sold 9.0 million shares of 8% Preferred Stock at $10 per share for an aggregate of $90.0 million. The 8% Preferred Stock pays quarterly dividends on a cumulative basis on the first business day of January, April, July and October in each year, commencing January 4, 1999. Dividends are payable, at the option of the Board, in cash, in additional shares of 8% Preferred Stock or in any combination thereof. The Company is restricted under the Indenture and under the Citibank Credit Facility from making dividend payments on the 8% Preferred Stock except in additional shares of 8% Preferred Stock. Each share of 8% Preferred Stock may be converted, at the option of its holder, into 1.039 shares of Common Stock. The Company must redeem all outstanding shares of 8% Preferred Stock on October 1, 2011.

On the consummation date of the Plan, the Company made the Initial Administration Expense Claims Payment of $20.2 million. In December 1998, the Company paid approximately $4.2 million of additional Administration Expense Claims and during 1999 the Company paid an additional $10.4 million of Administration Expense Claims. The Company estimates that it may be required to pay between $8.5 million and $10.5 million of additional Administration Expense Claims, although there can be no assurance as to the amount the Company will be required to pay.

The Company will be required to make the Unsecured Creditors Cash Payment at such time as the amount thereof is determined. The Company deposited $8 million into a trust account to satisfy the maximum amount of such payment. The balance in the trust account as of December 31, 1999 is approximately $8.5 million.

Capital expenditures (excluding acquisitions) by the Company during fiscal 1997, 1998 and 1999 were approximately $17.7 million, $17.3 million and $21.0 million, respectively.

The Company believes that cash on hand, cash flow from operations, borrowings available under the Citibank working capital facility and other sources of liquidity, will be sufficient for the Company to conduct its business, meet debt service requirements, make capital expenditures and pay Administration Expense Claims.

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Seasonality

The Company's annual operating performance depends, in large part, on its sales of toys during the relatively brief Christmas selling season. During 1997, 1998 and 1999, 67%, 60% and 62%, respectively, of the Company's domestic net toy sales were realized during the second half of the year. Management expects that the Company's toy business will continue to experience a significant seasonal pattern for the foreseeable future. This seasonal pattern requires significant use of working capital mainly to build inventory during the year, prior to the Christmas selling season, and requires accurate forecasting of demand for the Company's products during the Christmas selling season.