Total warrant expenses recorded during the nine months ended September 30, 2015 and 2014 were $11,170 and $144,232, respectively.

The inputs used for the Black-Scholes option and warrant valuation model were as follows:

During the nine months ended September 30, 2015, we issued 120,100,000 shares of common stock with a value of $413,220 to various third parties and related parties and charged the proceeds to the appropriate accounts for the following reasons:

The 120,100,000 issued shares were not contractually restricted. However, as these shares have not been registered under the Securities Act of 1933, as amended (the "Act"), they are restricted from sale until they are registered under the Act, or qualify for resale under the rules promulgated under the Act. All such shares were calculated at the trading closing price on the date of issuance.

From time to time, we issue shares of our common stock as a bonus for services rendered. Stock bonuses may be awarded upon satisfaction of specified performance goals pursuant to the Performance Stock Bonus Agreement.

On each grant date, we valued the stock bonus based on the share price and the expenses were amortized using the straight line method. Total stock bonus expenses recorded during the nine months ended September 30, 2015 and 2014 were $0 and $ 245,375, respectively and are reflected in operating expenses in the accompanying consolidated statements of operations.

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NOTE 8 - NOTES PAYABLE

Notes payable consisted of the following:

From time to time, we issue Convertible Promissory Notes. As of September 30, 2015, a total of $887,027 in convertible notes remained outstanding. As of September 30, 2015, all of these Notes have matured, however, the Company and the Holders have agreed to keep the balance as a Note Payable and the note holders have elected not to convert their note balances into shares of our common stock as of September 30, 2015.

Each Note contains the following general terms and provisions:

• The principal amount owed under each note becomes due and payable one year or less from the investment date provided that, upon ten (10) days' prior written notice to the holder, we may, in our sole discretion, extend the maturity date for an additional six month term. The Notes can be further extended upon mutual agreement.
• These notes bear interest at a rate of 6% per annum payable in cash or shares of common stock or a combination of cash and shares of common stock at our option.

During the third quarter of 2015, we did not enter into any Convertible Promissory Notes.

Shares issuable upon conversion for convertible notes payable was 41,679,061 as of September 30, 2015.

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The total interest expense attributed to the Beneficial Conversion Feature of the Notes and related warrants for the nine months ended September 30, 2015 and 2014 was $55,780 and $124,120, respectively.

In connection with the merger with Favrille, Inc. in 2009, we signed promissory notes with certain former executives totaling $76,783.

As of September 30, 2015, the total remaining severance liabilities amounted to $620,613, which is reflected as severance liability on the accompanying consolidated balance sheets. This consists of $571,362 payable to former non-executive employees.

Our Chairman and Chief Executive Officer, Robert H. Lorsch, is also the Chief Executive Officer of The RHL Group, Inc. and has full voting power over all of the capital stock of The RHL Group, Inc. Mr. Lorsch directly and indirectly through The RHL Group, Inc., beneficially owns approximately 16.4% our total outstanding voting stock. The RHL Group, Inc. has loaned us money pursuant to the Tenth Amended Note and all predecessor notes. See Note 3 - Related Party Note Payable above.

The RHL Group is an investment holding company which provides consulting, operational and technical services to us, which we refer to as the RHL Services. As part of the RHL Services, The RHL Group provides us with unrestricted access to its internal business and relationship contact database of more than 10,000 persons and entities, which includes clients of The RHL Group and other individuals which may hold value to us. The RHL Group also provides infrastructure support to us, including allowing us unlimited access to its facilities, equipment, and data, information management and server systems. In addition to allowing us the use of its office support personnel, The RHL Group has also consented to allow us to utilize the full-time services of Mr. Lorsch as our President, Chairman and Chief Executive Officer, which requires substantial time and energy away from his required duties as The RHL Group's Chairman and Chief Executive Officer. In addition, The RHL Group has made its President, Kira Reed, available as our spokesperson. Ms. Reed, who is Mr. Lorsch's spouse, also manages our social networking activities.

In consideration for the above, The RHL Group, Inc. has a consulting arrangement with MMR. A copy of the consulting agreement is filed as an exhibit in our Form 8-K, as filed with the SEC on May 4, 2009 and is hereby incorporated by reference.

We incurred $12,500 during the nine months ended September 30, 2015 and 2014, toward marketing consulting services from Bernard Stolar, a director. We included $198,514 and $174,273 in related party payables as of September 30, 2015 and December 31, 2014, respectively, in connection with these services and board fees.

We contract with a significant vendor for the development and maintenance of the software applications necessary to run our MyMedicalRecords PHR, MyEsafeDepositBox and MyMedicalRecords Pro products. Our outside developer supports our software development needs through a team of software engineers, programmers, quality control personnel and testers, who work with our internal product development team on all aspects of application development, design, integration and support of our products. This vendor is also a stockholder. For the nine months ended September 30, 2015 and 2014, the total expenses relating to this stockholder amounted to $90,000 and $90,000, respectively. In addition, we capitalized $0 of software development costs for the quarter ended September 30, 2015. As of September 30, 2015 and December 31, 2014, the total amounts due to the stockholder and included in related party payables amounted to $100,000 and $10,000, respectively.

On September 15, 2009, we entered into a five year agreement with E-Mail Frequency, LLC and David Loftus, Managing Partner of E-Mail Frequency, LLC, a significant stockholder of the Company, which was amended during 2011 to increase the term for an additional five years and provide licensor a non- exclusive right to target, market and exploit the Employee Benefits market.

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We licensed an existing 80 million person direct marketing database (the "Database") of street addresses, cellular phone numbers, e-mail addresses and other comprehensive data with E-Mail Frequency. The agreement allows us to market, through the use of the Database, our MyMedicalRecords PHR, MyEsafeDepositBox virtual vault, and MMRPro document management system to physicians and their patients. Under the terms of the Agreement, we paid $250,000 to David Loftus as a one-time consulting fee in the form of 2,777,778 shares of our common stock. We recorded the $250,000 one-time licensee fee as a prepaid consulting fee. Amortization expense for each of the quarters ended September 30, 2015 and 2014 was $0 and $37,500. Included in related party payables at September 30, 2015 and December 31, 2014 of $64,615 and $64,615, respectively, in respect to these services.

We have evaluated subsequent events of our condensed consolidated financial statements.

On October 8, 2015, we received written consent from our company's board of directors to amend the Corporation's Articles of Incorporation to effect a reverse stock split, such that each five (5) shares of the issued and outstanding Common Stock of the Corporation shall be reversed split into one (1) share of Common Stock of the Corporation (the "Stock Split"). This Stock Split shall effect only issued and outstanding shares. Each record and beneficial holder who would receive a fractional share as a result of the reverse split shall receive, in lieu thereof, a whole share.

On November 4, 2015, the Corporation received the written consent of holders of more than 50% of our voting securities to effect the Stock Split.

The Stock Split will not be effective until after filing by the Corporation of its Schedule 14C Information with the Securities and Exchange Commission and amendment of the Corporation's Articles of Incorporation.

In addition, the Corporation will file a corporation action notification with FINRA to effect the Stock Split on the market, and must receive approval thereof prior to filing amended Articles of Incorporation.

The number of shares presented in this quarterly report do not reflect the reverse stock split expected to become effective in the 4^th quarter of 2015.

On October 16, 2015, we granted a total of 10,000,000 shares of restricted common stock to an unrelated third party, at a price of $0.0032 per share.

On October 19, 2015, we granted a total of 7,894,000 shares of restricted stock to an unrelated third party at a price of $0.0038 in consideration of a reduction in payables.

On October 19, 2015, we granted a total of 30,000,000 shares of restricted stock to Spanky LLC owned by David Loftus, an affiliate of the Company, at a price of $0.0038 in consideration of a reduction in payables.

On October 22, 2015, we granted a total of 6,842,105 shares of restricted stock to an unrelated third party at a price of $0.0038 in consideration of a reduction in payables.

On October 22, 2015, The RHL Group, Inc., an entity affiliated with our Chairman & CEO Robert H. Lorsch elected to purchase 46,000,000 shares of common stock at market price in consideration for a reduction in amounts due of $174,800.00.

On October 29, 2015, we granted a total of 10,000,000 shares of restricted stock to Spanky LLC owned by David Loftus, an affiliate of the Company, at a price of $0.005 in consideration of a reduction in payables.

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

This Quarterly Report on Form 10-Q contains certain forward-looking statements. The words "anticipate," "expect," "believe," "plan," "intend," "will" and similar expressions are intended to identify such statements. Although the forward-looking statements in this Quarterly Report on Form 10-Q reflects the good faith judgment of our management, such statements are subject to various risks and uncertainties, including but not limited to the risks identified in our Form 10-K and in our press releases and other filings with the SEC.

Assumptions related to forward-looking statements involve judgments with respect to, among other things, future economic, competitive and market conditions and future business decisions, all of which are difficult or impossible to predict accurately and many of which are beyond our control. Any of such assumptions could be inaccurate. You should not place undue reliance on these forward-looking statements, which are based on our current views and assumptions. In evaluating these statements, you should specifically consider various factors, including the foregoing risks and those outlined under "Risk Factors" in Item 1A of the Form 10-K. Our forward-looking statements represent estimates and assumptions only as of the date of this Quarterly Report on Form 10-Q. Except as required by law, we undertake no obligation to update any forward-looking statement to reflect events or circumstances occurring after the date of this Quarterly Report on Form 10-Q.

We provide secure and easy-to-use online Personal Health Records ("PHRs") electronic safe deposit box storage solutions, and document management and imaging systems for healthcare professionals

MMR remains focused on its primary Health IT business of selling the MyMedicalRecords PHR and MMRPro document and imaging systems for healthcare professionals. We derive revenues from the provision of services, which are comprised of facilitating electronic access to consumer medical records and other vital documents through subscribers on a direct subscription basis or an "access" basis through various types of organizations including direct sales, affinity and membership groups, healthcare organizations and retailers, and in both cases, we record these revenues under "Subscriber" in our income statement. We also sell direct to consumers through paid advertising or other per enquiry marketing relationships. When sold to corporations, affinity and membership organizations, hospitals and other business to business customers, we charge a minimum monthly fee plus user fees to the organization based on the number of users who will have access to our services through such organization, whether or not such users actually activate their authorized account. During the nine months ended September 30, 2015, we received $116,248 from subscriber revenues.

In addition, MMR has numerous patents issued, pending or applied for pertaining to provisioning of online medical and Personal Health Records in 12 countries of commercial interest including the U.S., and defends its global intellectual property rights through the filing of patent infringement complaints.

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We also generate revenues from the licensing of our Health IT and biotech assets, which may include non-refundable license and up-front fees, non-refundable milestone payments that are triggered upon achievement of a specific event and future royalties or lump-sum payments on sales of related products. We record these licensing revenues under "License Fees" in our income statement. We are sometimes paid an upfront license fee and milestone payments and we recognize those fees as revenue as payments are received. We will record those fees as revenue when payments are received. During the nine months ended September 30, 2015, we received $15,249 from license fees revenues.

We also have generated revenues from licensing the sale and marketing of our services internationally and, to a lesser extent, from ancillary fee payments including web and marketing development services, amongst others. We record these licensing revenues under "License Fees" and other ancillary revenues under "Other Revenues" in our income statement. When we enter into a licensing arrangement, we are sometimes paid an upfront license fee and typically receive ongoing royalty payments that are often based on a percentage of revenue earned by our licensee. We recognize these fees over the license period. When we receive ancillary one-time payments, we record them when services or products are delivered.

Our cost of revenue includes the cost of manufacturing our retail product and related packaging, maintaining our voice and fax mailboxes, long-distance call transport costs, fax and voice call processing costs, credit card transaction processing costs, web hosting and management fees, website maintenance and support costs, costs associated with creating and mailing enrollment packages to our subscribers and the cost of scanners. Cost of revenue also includes customer service costs. We also charge to cost of revenue our direct selling costs, which include commissions paid to sales representatives who sell our wholesale and access based accounts.

The largest component of our operating expenses is our general and administrative expenses, which include personnel salaries and benefits, office rent and supplies, insurance costs, fees for legal and professional services, as well as our expenses for corporate telecommunications and Internet access not associated with our products. Our operating expenses also include sales and marketing expenses (which include expenses associated with attending trade shows and travel costs, as well as a portion of personnel salaries allocated to sales and marketing activities), as well as technology development expenses (which includes expenses related to research and development as well as a portion of personnel salaries allocated to development activities).

For a description of recent accounting pronouncements and how we apply such pronouncements to our financial statements, see the accompanying notes to our consolidated financial statements appearing elsewhere in this Quarterly Report on Form 10-Q.

The following competitive factors may affect our future performance.

Although we believe that no other product in the marketplace compares to what we provide in our comprehensive PHR and other offerings, there are other PHR providers in the consumer health information management marketplace that compete for our services. These include NoMoreClipboard.com, Dossia, WebMD Health Manager, Zweena Health, MiVia, and numerous others including patient portals offered by EMR Vendors, health exchanges, and insurance companies, hospitals and HMOs for their policyholders and patients. Each of our competitors offers varying PHR products and services for online storage and access to medical records at varying price points (at the basic "free" level, with minimal recordkeeping capability that usually includes advertising).

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MyEsafeDepositBox

Our MyEsafeDepositBox product competes with a number of online backup and electronic data storage services. The increasing use of external hard drives and flash drives to backup data also has the potential to compete with online data storage services such as our MyEsafeDepositBox product.

MMRPro competes with scanning services that market their services to doctors seeking to convert their historical paper records into electronic files, as well as EMR systems.

MMRPro also competes with EMR systems that offer doctors the opportunity to make their entire office paperless.

Revenues for the nine months ended September 30, 2015 and 2014 were $138,716 and $2,437,095, respectively, a decrease of $2,298,379 or 94.3%, and for the quarter ended September 30, 2015 and 2014 were $77,664 and $1,896,271, respectively, a decrease of $1,818,607 or 95.9%. The decrease for the periods were primarily due to a decrease in license fees resulting from milestone payments in the first nine months of 2014, with no similar transaction in 2015. Despite the changing environment in the US regarding patent laws the Company continues to explore opportunities to monetize its international patent portfolio globally in both health information technology and biotechnology.

Cost of revenue for the nine months ended September 30, 2015 and 2014 was $179,554 and $230,402, respectively, a decrease of $50,848 or 22.1%,. Cost of revenues for the three months ended September 30, 2015 and 2014 were $45,298 and $88,960, respectively, for an decrease of $43,662 or 49.1%.The decrease for the three and nine month period was mainly due to the decrease in phone and fax line services on the production servers.

Gross loss for the nine months ended September 30, 2015 was $(40,838) compared to a Gross profit of $2,206,693 for the nine months ended September 30, 2014, a decrease of $2,229,928 or 101.1%. Gross loss for the three months ended September 30, 2015 was $49,969 compared to a Gross Profit of $1,807,311 for a decrease of $1,757,342 or 97.2%. The decrease for the three and nine months was primarily due to the decrease in license fee revenue from the milestone payments in revenue.

Total operating expenses for the nine months ended September 30, 2015 and 2014 were $1,751,613 and $4,676,026, respectively, a decrease of $2,924,413 or 62.5%. Total operating expenses for the three months ended September 30, 2015 and 2014 were $485,421 and $1,455,779, respectively for a decrease of $970,358 or 66.7%. The decrease for the quarter and nine month period was primarily due to a reduction in investor relations expenses, salaries, non-cash compensation expenses and marketing consulting fees as we work towards streamlining expenses.

General and administrative expenses for the nine months ended September 30, 2015 and 2014 were $1,331,414 and $3,530,193, respectively, a decrease of $2,247,531 or 101.9%. General and administrative expenses for the three months ended September 30, 2015 and 2014 were $383,147 and $1,186972, respectively, for a decrease of $803,825 or 67.7%. The decrease for the quarter and nine month period was primarily due to a reduction in investor relations expenses, salaries, non-cash compensation expenses, and consulting fees as we streamline operations and reduce operating costs.

Sales and marketing expenses for the nine months ended September 30, 2015 and 2014 were $420,199 and $1,087,943, respectively, a decrease of $667,744 or 61.4%. Sales and marketing expenses for the three months ended September 30, 2015 and 2014 were $102,504 and $261,553, respectively, for a decrease of $159,049 or 60.8%. The decrease for the quarter and nine month period was primarily due to lower business development fees, marketing consulting fees and stock option expense.

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Technology development expenses for the nine months ended September 30, 2015 and 2014 were $0 and $57,890, respectively, a decrease of $57,890 or 100% and for the three month period ending September 30, 2015 and 2014 were $0 and $7,254, respectively, for a decrease of $7,254 or 100%. The decrease for the quarter and nine month period was development of our android mobile app was completed in 2014.

Interest and other finance charges for the nine months ended September 30, 2015 and 2014 were $191,355 and $362,678, respectively, a decrease of $171,323 or 47.2%. Interest and other finance charges for the three months ended September 30, 2015 and 2014 were $44,629 and $104,031, respectively, for a decrease of $59,402 or 57.1%. The decrease for the quarter and the nine month period was primarily due to decreased interest expense related to convertible notes.

As a result of the foregoing, net loss for the nine months ended September 30, 2015 and 2014 was $1,923,286 and $1,159,191, respectively, a increase of $764,095 or 65.9%. Net loss for the third quarter ended September 30, 2015 was $489,000 and Net profit for the three months ending September 30, 2014 was $1,920,321, for a decrease of $2,409,321 or 125.5%

As more fully described in Note 1 to the consolidated financial statements appearing above in this Quarterly Report on Form 10-Q, our independent registered public accounting firm included an explanatory paragraph in their report on our 2014 financial statements for the year ended December 31, 2014 related to the uncertainty of our ability to continue as a going concern. As of September 30, 2015, our current liabilities of $10.13 million exceeded our current assets of $0.15 million by $9.98 million.

For a description of our management's plan regarding our ability to continue as a going concern, please see Note 1 to the financial statements included above.

As of September 30, 2015, our current liabilities exceeded our current assets by $9.95 million. Furthermore, during the quarter ended September 30, 2015, we incurred losses of $489,000. At the current level of borrowing, we require cash of $156,000 per year to service our debt and, in order to continue operating its business, we use an average of $160,175 cash per month, or $1.9 million per year.

In addition to the above cash burn from operations, we will be required to obtain additional financing in order to meet the obligations for installment payments of $621,000 under the Creditor Plan and our obligations under the secured indebtedness to The RHL Group under the Tenth Amended Note (which had a balance of $2.06 million at September 30, 2015, amongst other debt obligations. Such obligations are currently due and payable pursuant to the terms of the notes.

To finance our activities, we have relied on the issuance of stock and debt to The RHL Group. At September 30, 2015, we had a line of credit with The RHL Group in the amount of $4.5 million. Availability under this line of credit, at the lender's discretion, was $2.44 million as of September 30, 2015.

In addition, we may offer restricted stock to accredited investors and issue limited amounts of convertible debt. During 2014, we raised $1.07 million in sales of restricted common stock to accredited investors. We expect to continue offering limited amounts of convertible debt in 2015. The Company believes it can continue to generate revenue from its biotech and health information technology assets. We also expect to continue receiving (i) royalties from license fees related to our health information technology patents and other intellectual property; and (ii) revenue from sales of PHRs, MMRPro services, and other products and services including our new mHealth applications that will help reduce annual cash burn from operations. The Company is also planning on selling data and samples from its FavId vaccine trials to pharmaceutical manufacturers, universities and others for use in helping to speed the process of clinical trials for new drugs and disease management programs.

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Cash Flows for the nine months ended September 30, 2015 compared to nine months ended September 30, 2014

Net cash used in operating activities for the nine months ended September 30, 2015 and 2014 was $648,679 and $226,382, respectively. In 2015, we had a net loss of $1,923,286, plus non-cash adjustments (depreciation, amortization, common stock and warrants issued for services and interest, amortization of loan discount, and stock compensation expense) of $339,116, plus changes in operating assets and liabilities of $935,491. In 2014, net cash used in operating activities of $226,382 was comprised of a net loss of $1,159,191, plus similar non-cash adjustments of $194,780, plus changes in operating assets and liabilities of $1,580,353. Compared to 2014, the operating cash flow activities in 2015 were lower primarily due to a reduction in equity transactions and compensation expenses.

Net cash used in investing activities in the nine months ended September 30, 2015 and 2014 totaled $1,252 and $300,495, respectively. Compared to 2014, investing activities in 2015 were lower mainly due to a decrease product development costs.

Net cash provided by financing activities in the nine months ended September 30, 2015 and 2014 totaled $340,538 and $1,555,264, respectively. Financing activities primarily included proceeds generated from the issuance of convertible notes and common shares. Compared to 2014, financing activities in 2015 were lower primarily due to a decrease in shares issued for financing activities.

As of September 30, 2015, we had cash and cash equivalents of $0, compared to $1,491,510 as of September 30, 2014.

For a description of our indebtedness to The RHL Group, please See Note 3 - Related Party Note Payable, included above in this Quarterly Report on Form 10-Q.

For information relating to our Convertible Notes, please see Note 9 to our financial statements appearing elsewhere in this Quarterly Report on Form 10-Q.

For information relating to our commitments and contingent liabilities, please see Note 5 to our financial statements appearing elsewhere in this Quarterly Report on Form 10-Q.

We are a smaller reporting company and therefore, we are not required to provide information required by this item of Form 10-Q.

We maintain disclosure controls and procedures that are designed to ensure that information required to be disclosed in our Exchange Act reports is recorded, processed, summarized and reported within the time periods specified in the SEC's rules and forms, and that such information is accumulated and communicated to our management, including our Chief Executive Officer and Chief Financial Officer, as appropriate, to allow for timely decisions regarding required disclosure.

In designing and evaluating the disclosure controls and procedures, management recognizes that any controls and procedures, no matter how well designed and operated, can provide only reasonable assurance of achieving the desired control objectives, and management is required to apply its judgment in evaluating the cost-benefit relationship of possible controls and procedures.

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As required by Rule 13a-15(b) under the Exchange Act, we carried out an evaluation, under the supervision and with the participation of our management, including our Chief Executive Officer and Chief Financial Officer, of the effectiveness of the design and operation of our disclosure controls and procedures.

Based on the foregoing, our Chief Executive Officer and Chief Financial Officer concluded that, as of the end of the period covered by this report, our disclosure controls and procedures were effective and were operating at a reasonable assurance level.

There were no changes in our internal control over financial reporting or in other factors identified in connection with the evaluation required by paragraph (d) of Exchange Act Rules 13a-15 or 15d-15 that occurred during the quarter ended September 30, 2015 that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

The information in response to this item is incorporated herein by reference to Note 5 - Commitments and Contingencies under the "Litigation Matters" section of the Consolidated Condensed Financial Statements of this Quarterly Report.

The following is a summary of transactions by us since our previous disclosure Form 10-Q filed with the Securities and Exchange Commission on August 14, 2015 involving sales of our securities that were not registered under the Securities Act of 1933, as amended (the "Securities Act"). Each offer and sale was exempt from registration under either Section 4(2) of the Securities Act or Rule 506 under Regulation D of the Securities Act because (I) the securities were offered and sold only to accredited investors; (ii) there was no general solicitation or general advertising related to the offerings; (iii) each investor was given the opportunity to ask questions and receive answers concerning the terms of and conditions of the offering and to obtain additional information; (iv) the investors represented that they were acquiring the securities for their own account and for investment; and (v) the securities were issued with restrictive legends:

On October 16, 2015, we granted a total of 10,000,000 shares of restricted common stock to an unrelated third party, at a price of $0.0032 per share.

On October 19, 2015, we granted a total of 7,894,000 shares of restricted stock to an unrelated third party at a price of $0.0038 in consideration of a reduction in payables.

On October 19, 2015, we granted a total of 30,000,000 shares of restricted stock to Spanky LLC owned by David Loftus, an affiliate of the Company, at a price of $0.0038 in consideration of a reduction in payables.

On October 22, 2015, we granted a total of 6,842,105 shares of restricted stock to an unrelated third party at a price of $0.0038 in consideration of a reduction in payables.

On October 22, 2015, The RHL Group, Inc., an entity affiliated with our Chairman & CEO Robert H. Lorsch elected to purchase 46,000,000 shares of common stock at market price in consideration for a reduction in amounts due of $174,800.00.

On October 29, 2015, we granted a total of 10,000,000 shares of restricted stock to Spanky LLC owned by David Loftus, an affiliate of the Company, at a price of $0.005 in consideration of a reduction in payables.

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All securities granted or sold under these agreements are unregistered and may only be resold or transferred if they later become registered or fall under an exemption to the Securities Act or applicable state laws.  Our typical investor or grantee generally relies upon Rule 144 of the Securities Act, which, in addition to requiring several other conditions before resale may occur, requires that the securities issued be held for a minimum of six months.  We generally used the proceeds of the foregoing sales of securities for repayment of indebtedness, working capital and other general corporate purposes.

None.

Not applicable.

On October 8, 2015, we received written consent from our company's board of directors to amend the Corporation's Articles of Incorporation to effect a reverse stock split, such that each five (5) shares of the issued and outstanding Common Stock of the Corporation shall be reversed split into one (1) share of Common Stock of the Corporation (the "Stock Split"). This Stock Split shall effect only issued and outstanding shares. Each record and beneficial holder who would receive a fractional share as a result of the reverse split shall receive, in lieu thereof, a whole share.

On November 4, 2015, the Corporation received the written consent of holders of more than 50% of our voting securities to effect the Stock Split.

The Stock Split will not be effective until after filing by the Corporation of its Schedule 14C Information with the Securities and Exchange Commission and amendment of the Corporation's Articles of Incorporation.

In addition, the Corporation will file a corporation action notification with FINRA to effect the Stock Split on the market, and must receive approval thereof prior to filing amended Articles of Incorporation.

We will announce the effectiveness of the amendment on the market by filing a Current Report on Form 8-K.

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Item 6. Exhibits

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Date: November 16, 2015

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EXHIBIT INDEX