----

----

| For the transition period from |   | to |   |   |
|--------------------------------|--------|----|--------|--------|

| Nevada                                                         | 36-2972588                                      |
|----------------------------------------------------------------|-------------------------------------------------|
| (State or other jurisdiction of incorporation or organization) | (I.R.S. Employer  Identification No.) |

| 704 Executive Boulevard, Suite A         |       |
|------------------------------------------|------------|
| Valley Cottage, New York                 | 10989      |
| (Address of principal executive offices) | (Zip Code) |

----

----

----

CREDITRISKMONITOR.COM, INC.

|                          |                                                                                                |                                                                                       | Page   |
|-------------------------------|-----------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------|--------|
|                          |                                                                                                |                                                                                       |   |
| PART I. FINANCIAL INFORMATION |                                                                                                |
|                          |                                                                                                |                                                                                       |   |
|                          | Item 1. Financial Statements                                                                        |                                                                                       |
|                          |                                                                                                |                                                                                       |   |
|                          |                                                                                                | Balance Sheets – September 30, 2010 (Unaudited) and December 31, 2009                | 2      |
|                          |                                                                                                |                                                                                       |   |
|                          |                                                                                                | Statements of Income for the Three Months Ended September 30, 2010 and 2009 (Unaudited)    | 3      |
|                          |                                                                                                |                                                                                       |   |
|                          |                                                                                                | Statements of Income for the Nine Months Ended September 30, 2010 and 2009 (Unaudited)     | 4      |
|                          |                                                                                                |                                                                                       |   |
|                          |                                                                                                | Statements of Cash Flows for the Nine Months Ended September 30, 2010 and 2009 (Unaudited) | 5      |
|                          |                                                                                                |                                                                                       |   |
|                          |                                                                                                | Condensed Notes to Financial Statements                                                    | 6      |
|                          |                                                                                                |                                                                                       |   |
|                          | Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations | 8                                                                                          |
|                          |                                                                                                |                                                                                       |   |
|                          | Item 4. Controls and Procedures                                                                     | 12                                                                                         |
|                          |                                                                                                |                                                                                       |   |
|                          |                                                                                                |                                                                                       |   |
| PART II. OTHER INFORMATION    |                                                                                                |
|                          |                                                                                                |                                                                                       |   |
|                          | Item 6. Exhibits                                                                                    | 12                                                                                         |
|                          |                                                                                                |                                                                                       |   |
| SIGNATURES                    | 13                                                                                                  |

----

Index

Item 1. Financial Statements

CREDITRISKMONITOR.COM, INC.

|                                                                                                                            |   | September 30, |        |   | December 31, |   |
|---------------------------------------------------------------------------------------------------------------------------------|--------|---------------|-------------|--------|--------------|--------|
|                                                                                                                            |   | 2010          |        |   | 2009         |   |
|                                                                                                                            |   | (Unaudited)   |        |   | (Note 1)     |   |
|                                                                                                                            |   |          |        |   |         |   |
| ASSETS                                                                                                                          |   |          |        |   |         |   |
| Current assets:                                                                                                                 |   |          |        |   |         |   |
| Cash and cash equivalents                                                                                                       |   | $             | 4,990,265   |   |         | $      | 4,679,466 |   |
| Marketable securities                                                                                                           |   |          | 1,259,890   |   |         |   | -- |   |
| Accounts receivable, net of allowance                                                                                           |   |          | 1,077,964   |   |         |   | 1,370,523 |   |
| Other current assets                                                                                                            |   |          | 240,117     |   |         |   | 253,857 |   |
|                                                                                                                            |   |          |        |   |         |   |   |   |
| Total current assets                                                                                                            |   |          | 7,568,236   |   |         |   | 6,303,846 |   |
|                                                                                                                            |   |          |        |   |         |   |   |   |
| Property and equipment, net                                                                                                     |   |          | 310,644     |   |         |   | 261,591 |   |
| Goodwill                                                                                                                        |   |          | 1,954,460   |   |         |   | 1,954,460 |   |
| Deferred taxes on income                                                                                                        |   |          | 406,041     |   |         |   | 913,503 |   |
| Prepaid and other assets                                                                                                        |   |          | 34,335      |   |         |   | 23,116 |   |
|                                                                                                                            |   |          |        |   |         |   |   |   |
| Total assets                                                                                                                    |   | $             | 10,273,716  |   |         | $      | 9,456,516 |   |
|                                                                                                                            |   |          |        |   |         |   |   |   |
|                                                                                                                            |   |          |        |   |         |   |   |   |
| LIABILITIES AND STOCKHOLDERS’ EQUITY                                                                                      |   |          |        |   |         |   |   |   |
| Current liabilities:                                                                                                            |   |          |        |   |         |   |   |   |
| Deferred revenue                                                                                                                |   | $             | 5,759,656   |   |         | $      | 5,321,116 |   |
| Accounts payable                                                                                                                |   |          | 73,670      |   |         |   | 42,614 |   |
| Accrued expenses                                                                                                                |   |          | 596,248     |   |         |   | 698,832 |   |
|                                                                                                                            |   |          |        |   |         |   |   |   |
| Total current liabilities                                                                                                       |   |          | 6,429,574   |   |         |   | 6,062,562 |   |
|                                                                                                                            |   |          |        |   |         |   |   |   |
| Other liabilities                                                                                                               |   |          | 459         |   |         |   | -- |   |
|                                                                                                                            |   |          |        |   |         |   |   |   |
| Total liabilities                                                                                                               |   |          | 6,430,033   |   |         |   | 6,062,562 |   |
|                                                                                                                            |   |          |        |   |         |   |   |   |
| Stockholders’ equity:                                                                                                     |   |          |        |   |         |   |   |   |
| Preferred stock, $.01 par value; authorized 5,000,000 shares; none issued                                                       |   |          | --          |   |         |   | -- |   |
| Common stock, $.01 par value; authorized 25,000,000 shares; issued and outstanding 7,899,462 and 7,849,462 shares, respectively |   |          | 78,994      |   |         |   | 78,494 |   |
| Additional paid-in capital                                                                                                      |   |          | 28,420,991  |   |         |   | 28,333,094 |   |
| Accumulated deficit                                                                                                             |   |          | (24,656,302 | )      |         |   | (25,017,634 | ) |
|                                                                                                                            |   |          |        |   |         |   |   |   |
| Total stockholders’ equity                                                                                                |   |          | 3,843,683   |   |         |   | 3,393,954 |   |
|                                                                                                                            |   |          |        |   |         |   |   |   |
| Total liabilities and stockholders’ equity                                                                                |   | $             | 10,273,716  |   |         | $      | 9,456,516 |   |

----

Index

CREDITRISKMONITOR.COM, INC.

|                                                  |   | 2010   |      |   | 2009   |   |
|-------------------------------------------------------|--------|--------|-----------|--------|--------|--------|
|                                                  |   |   |      |   |   |   |
| Operating revenues                                    |   | $      | 2,389,932 |   |   | $      | 2,052,310 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Operating expenses:                                   |   |   |      |   |   |   |   |   |
| Data and product costs                                |   |   | 580,184   |   |   |   | 519,005 |   |
| Selling, general and administrative expenses          |   |   | 1,223,686 |   |   |   | 1,101,815 |   |
| Depreciation and amortization                         |   |   | 35,345    |   |   |   | 26,533 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Total operating expenses                              |   |   | 1,839,215 |   |   |   | 1,647,353 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Income from operations                                |   |   | 550,717   |   |   |   | 404,957 |   |
| Other income, net                                     |   |   | 39,570    |   |   |   | 2,564 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Income before income taxes                            |   |   | 590,287   |   |   |   | 407,521 |   |
| Provision for income taxes                            |   |   | 236,870   |   |   |   | 1,020 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Net income                                            |   | $      | 353,417   |   |   | $      | 406,501 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Net income per share of common stock:                 |   |   |      |   |   |   |   |   |
|                                                  |   |   |      |   |   |   |   |   |
| Basic                                                 |   | $      | 0.04      |   |   | $      | 0.05 |   |
| Diluted                                               |   | $      | 0.04      |   |   | $      | 0.05 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Weighted average number of common shares outstanding: |   |   |      |   |   |   |   |   |
|                                                  |   |   |      |   |   |   |   |   |
| Basic                                                 |   |   | 7,899,462 |   |   |   | 7,849,462 |   |
| Diluted                                               |   |   | 8,277,216 |   |   |   | 8,198,544 |   |

----

Index

CREDITRISKMONITOR.COM, INC.

|                                                  |   | 2010   |      |   | 2009   |   |
|-------------------------------------------------------|--------|--------|-----------|--------|--------|--------|
|                                                  |   |   |      |   |   |   |
| Operating revenues                                    |   | $      | 6,906,507 |   |   | $      | 5,717,872 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Operating expenses:                                   |   |   |      |   |   |   |   |   |
| Data and product costs                                |   |   | 1,751,224 |   |   |   | 1,584,503 |   |
| Selling, general and administrative expenses          |   |   | 3,844,920 |   |   |   | 3,641,310 |   |
| Depreciation and amortization                         |   |   | 94,600    |   |   |   | 75,524 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Total operating expenses                              |   |   | 5,690,744 |   |   |   | 5,301,337 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Income from operations                                |   |   | 1,215,763 |   |   |   | 416,535 |   |
| Other income, net                                     |   |   | 54,161    |   |   |   | 12,907 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Income before income taxes                            |   |   | 1,269,924 |   |   |   | 429,442 |   |
| Provision for income taxes                            |   |   | 513,612   |   |   |   | 3,513 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Net income                                            |   | $      | 756,312   |   |   | $      | 425,929 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Net income per share of common stock:                 |   |   |      |   |   |   |   |   |
|                                                  |   |   |      |   |   |   |   |   |
| Basic                                                 |   | $      | 0.10      |   |   | $      | 0.05 |   |
| Diluted                                               |   | $      | 0.09      |   |   | $      | 0.05 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Weighted average number of common shares outstanding: |   |   |      |   |   |   |   |   |
|                                                  |   |   |      |   |   |   |   |   |
| Basic                                                 |   |   | 7,896,236 |   |   |   | 7,849,462 |   |
| Diluted                                               |   |   | 8,287,177 |   |   |   | 8,070,599 |   |

----

Index

CREDITRISKMONITOR.COM, INC.

|                                                                              |   | 2010   |       |   | 2009   |   |
|-----------------------------------------------------------------------------------|--------|--------|------------|--------|--------|--------|
|                                                                              |   |   |       |   |   |   |
| Cash flows from operating activities:                                             |   |   |       |   |   |   |
| Net income                                                                        |   | $      | 756,312    |   |   | $      | 425,929 |   |
| Adjustments to reconcile net income to net cash provided by operating activities: |   |   |       |   |   |   |   |   |
| Depreciation and amortization                                                     |   |   | 94,600     |   |   |   | 75,524 |   |
| Deferred income taxes                                                             |   |   | 507,462    |   |   |   | - |   |
| Deferred rent                                                                     |   |   | 459        |   |   |   | (3,424 | ) |
| Stock-based compensation                                                          |   |   | 38,397     |   |   |   | 40,423 |   |
| Unrealized (gain) loss on marketable securities                                   |   |   | (37,451    | )      |   |   | 28,224 |   |
| Changes in operating assets and liabilities:                                      |   |   |       |   |   |   |   |   |
| Accounts receivable                                                               |   |   | 292,559    |   |   |   | 312,746 |   |
| Other current assets                                                              |   |   | 13,740     |   |   |   | 93,763 |   |
| Prepaid and other assets                                                          |   |   | (11,219    | )      |   |   | (2,256 | ) |
| Deferred revenue                                                                  |   |   | 438,540    |   |   |   | 392,672 |   |
| Accounts payable                                                                  |   |   | 31,056     |   |   |   | (5,818 | ) |
| Accrued expenses                                                                  |   |   | (102,584   | )      |   |   | (107,936 | ) |
|                                                                              |   |   |       |   |   |   |   |   |
| Net cash provided by operating activities                                         |   |   | 2,021,871  |   |   |   | 1,249,847 |   |
|                                                                              |   |   |       |   |   |   |   |   |
| Cash flows from investing activities:                                             |   |   |       |   |   |   |   |   |
| Purchase of marketable securities                                                 |   |   | (1,222,439 | )      |   |   | (433,761 | ) |
| Sale of marketable securities                                                     |   |   | --         |   |   |   | 3,364,533 |   |
| Purchase of property and equipment                                                |   |   | (143,653   | )      |   |   | (123,420 | ) |
|                                                                              |   |   |       |   |   |   |   |   |
| Net cash provided by (used in) investing activities                               |   |   | (1,366,092 | )      |   |   | 2,807,352 |   |
|                                                                              |   |   |       |   |   |   |   |   |
| Cash flows from financing activities:                                             |   |   |       |   |   |   |   |   |
| Dividends paid to stockholders                                                    |   |   | (394,980   | )      |   |   | - |   |
| Proceeds from exercise of stock options                                           |   |   | 50,000     |   |   | _-     |   |
|                                                                              |   |   |       |   |   |   |   |   |
| Net cash used in financing activities                                             |   |   | (344,980   | )      |   |   | - |   |
|                                                                              |   |   |       |   |   |   |   |   |
| Net increase in cash and cash equivalents                                         |   |   | 310,799    |   |   |   | 4,057,199 |   |
| Cash and cash equivalents at beginning of period                                  |   |   | 4,679,466  |   |   |   | 912,591 |   |
|                                                                              |   |   |       |   |   |   |   |   |
| Cash and cash equivalents at end of period                                        |   | $      | 4,990,265  |   |   | $      | 4,969,790 |   |

----

Index

CREDITRISKMONITOR.COM, INC.

|                                         |   | 3 Months Ended |   |   | 9 Months Ended |   |
|----------------------------------------------|--------|----------------|--------|--------|----------------|--------|
|                                         |   | September 30,  |   |   | September 30,  |   |
|                                         |   | 2010           |   |   | 2009           |   |   | 2010 |   |   | 2009 |   |
|                                         |   |           |   |   |           |   |   |   |   |   |   |   |
| Data and product costs                       |   | $              | 1,370  |   |           | $      | 1,952 |   |   | $ | 4,356 |   |   | $ | 5,857 |   |
| Selling, general and administrative expenses |   |           | 11,347 |   |           |   | 11,522 |   |   |   | 34,041 |   |   |   | 34,566 |   |
|                                         |   |           |   |   |           |   |   |   |   |   |   |   |   |   |   |   |
|                                         |   | $              | 12,717 |   |           | $      | 13,474 |   |   | $ | 38,397 |   |   | $ | 40,423 |   |

----

Index

|                      |   |    |      |   |    |   |   |    |   |   | Total fair |   |
|---------------------------|--------|---------|-----------|--------|---------|--------|--------|---------|--------|--------|------------|--------|
|                      |   | Level 1 |      |   | Level 2 |   |   | Level 3 |   |   | value      |   |
|                      |   |    |      |   |    |   |   |    |   |   |       |   |
| Cash and cash equivalents |   | $       | 4,990,265 |   |    | $      | -      |    |   | $      | -          |   |   | $ | 4,990,265 |   |
| Marketable securities     |   |    | 1,259,890 |   |    |   | -      |    |   |   | -          |   |   |   | 1,259,890 |   |
|                      |   |    |      |   |    |   |   |    |   |   |       |   |   |   |   |   |
| Total                     |   | $       | 6,250,155 |   |    | $      | -      |    |   | $      | -          |   |   | $ | 6,250,155 |   |

|                                                                |   | 3 Months Ended |      |   | 9 Months Ended |   |
|---------------------------------------------------------------------|--------|----------------|-----------|--------|----------------|--------|
|                                                                |   | September 30,  |      |   | September 30,  |   |
|                                                                |   | 2010           |      |   | 2009           |   |   | 2010 |   |   | 2009 |   |
|                                                                |   |           |      |   |           |   |   |   |   |   |   |   |
| Weighted average shares outstanding – basic                   |   |           | 7,899,462 |   |           |   | 7,849,462 |   |   |   | 7,896,236 |   |   |   | 7,849,462 |   |
| Potential shares exercisable under stock option plans               |   |           | 532,500   |   |           |   | 582,500 |   |   |   | 549,167 |   |   |   | 516,167 |   |
|                                                                |   |           |      |   |           |   |   |   |   |   |   |   |   |   |   |   |
| LESS: Shares which could be repurchased under treasury stock method |   |           | (154,746  | )      |           |   | (233,418 | ) |   |   | (158,226 | ) |   |   | (295,030 | ) |
|                                                                |   |           |      |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Weighted average shares outstanding – diluted                 |   |           | 8,277,216 |   |           |   | 8,198,544 |   |   |   | 8,287,177 |   |   |   | 8,070,599 |   |

----

Index

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations

|                                             |   | Sept. 30, |   |   | Dec. 31, |   |
|--------------------------------------------------|--------|-----------|--------|--------|----------|--------|
|                                             |   | 2010      |   |   | 2009     |   |
| Cash, cash equivalents and marketable securities |   | $         | 6,250  |   |     | $      | 4,679 |   |
| Accounts receivable, net                         |   | $         | 1,078  |   |     | $      | 1,371 |   |
| Working capital                                  |   | $         | 1,139  |   |     | $      | 241 |   |
| Cash ratio                                       |   |      | 0.97   |   |     |   | 0.77 |   |
| Quick ratio                                      |   |      | 1.14   |   |     |   | 1.00 |   |
| Current ratio                                    |   |      | 1.18   |   |     |   | 1.04 |   |

----

Index

|                                         |   | 3 Months Ended September 30, |      |
|----------------------------------------------|--------|------------------------------|-----------|
|                                         |   | 2010                         |      |   | 2009 |   |
|                                         |   |                         |      |   | % of Total |   |   |   |   |   | % of Total |   |
|                                         |   |                         |      |   | Operating |   |   |   |   |   | Operating |   |
|                                         |   | Amount                       |      |   | Revenues |   |   | Amount |   |   | Revenues |   |
|                                         |   |                         |      |   |   |   |   |   |   |   |   |   |
| Operating revenues                           |   | $                            | 2,389,932 |   |   |   | 100.00 | % |   | $ | 2,052,310 |   |   |   | 100.00 | % |
|                                         |   |                         |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Operating expenses:                          |   |                         |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Data and product costs                       |   |                         | 580,184   |   |   |   | 24.28 | % |   |   | 519,005 |   |   |   | 25.29 | % |
| Selling, general and administrative expenses |   |                         | 1,223,686 |   |   |   | 51.20 | % |   |   | 1,101,815 |   |   |   | 53.69 | % |
| Depreciation and amortization                |   |                         | 35,345    |   |   |   | 1.48 | % |   |   | 26,533 |   |   |   | 1.29 | % |
| Total operating expenses                     |   |                         | 1,839,215 |   |   |   | 76.96 | % |   |   | 1,647,353 |   |   |   | 80.27 | % |
|                                         |   |                         |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income from operations                       |   |                         | 550,717   |   |   |   | 23.04 | % |   |   | 404,957 |   |   |   | 19.73 | % |
| Other income, net                            |   |                         | 39,570    |   |   |   | 1.66 | % |   |   | 2,564 |   |   |   | 0.13 | % |
|                                         |   |                         |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income before income taxes                   |   |                         | 590,287   |   |   |   | 24.70 | % |   |   | 407,521 |   |   |   | 19.86 | % |
| Provision for income taxes                   |   |                         | 236,870   |   |   |   | 9.91 | % |   |   | 1,020 |   |   |   | 0.05 | % |
|                                         |   |                         |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income                                   |   | $                            | 353,417   |   |   |   | 14.79 | % |   | $ | 406,501 |   |   |   | 19.81 | % |

----

Index

|                                         |   | 9 Months Ended September 30, |      |
|----------------------------------------------|--------|------------------------------|-----------|
|                                         |   | 2010                         |      |   | 2009 |   |
|                                         |   |                         |      |   | % of Total |   |   |   |   |   | % of Total |   |
|                                         |   |                         |      |   | Operating |   |   |   |   |   | Operating |   |
|                                         |   | Amount                       |      |   | Revenues |   |   | Amount |   |   | Revenues |   |
|                                         |   |                         |      |   |   |   |   |   |   |   |   |   |
| Operating revenues                           |   | $                            | 6,906,507 |   |   |   | 100.00 | % |   | $ | 5,717,872 |   |   |   | 100.00 | % |
|                                         |   |                         |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Operating expenses:                          |   |                         |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Data and product costs                       |   |                         | 1,751,224 |   |   |   | 25.36 | % |   |   | 1,584,503 |   |   |   | 27.71 | % |
| Selling, general and administrative expenses |   |                         | 3,844,920 |   |   |   | 55.67 | % |   |   | 3,641,310 |   |   |   | 63.69 | % |
| Depreciation and amortization                |   |                         | 94,600    |   |   |   | 1.37 | % |   |   | 75,524 |   |   |   | 1.32 | % |
| Total operating expenses                     |   |                         | 5,690,744 |   |   |   | 82.40 | % |   |   | 5,301,337 |   |   |   | 92.72 | % |
|                                         |   |                         |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income from operations                       |   |                         | 1,215,763 |   |   |   | 17.60 | % |   |   | 416,535 |   |   |   | 7.28 | % |
| Other income, net                            |   |                         | 54,161    |   |   |   | 0.79 | % |   |   | 12,907 |   |   |   | 0.23 | % |
|                                         |   |                         |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income before income taxes                   |   |                         | 1,269,924 |   |   |   | 18.39 | % |   |   | 429,442 |   |   |   | 7.51 | % |
| Provision for income taxes                   |   |                         | 513,612   |   |   |   | 7.44 | % |   |   | 3,513 |   |   |   | 0.06 | % |
|                                         |   |                         |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income                                   |   | $                            | 756,312   |   |   |   | 10.95 | % |   | $ | 425,929 |   |   |   | 7.45 | % |

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Index

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Index

Item 4. Controls and Procedures

Item 6. Exhibits

|   | 31.1 | Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. |
|--------|------|-----------------------------------------------------------------------------------------------------|

|   | 31.2 | Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. |
|--------|------|-----------------------------------------------------------------------------------------------------|

|   | 32.1 | Certification of Chief Executive Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. |
|--------|------|----------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 32.2 | Certification of Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. |
|--------|------|----------------------------------------------------------------------------------------------------------------------------------------------------|

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Index

SIGNATURES

|                    | CREDITRISKMONITOR.COM, INC.                                                                                              |
|-------------------------|--------------------------------------------------------------------------------------------------------------------------|
|                    |                   (REGISTRANT) |
|                    |                                                                                                                     |
|                    |                                                                                                                     |
| Date: November 12, 2010 | By: /s/ Lawrence Fensterstock                                                                                            |
|                    |              Lawrence Fensterstock                      |
|                    |              Chief Financial Officer &              |
|                    |              Principal Accounting Officer               |

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