Union Security Life Insurance Company of New York

Notes toThe following table summarizes the Financial Statements (unaudited)

Three Months Ended March 31, 2008 and 2007

(In thousands, except per share and share amounts)change in balance sheet carrying value associated with Level 3 financial assets carried at fair value during the nine months ended September 30, 2008:

FAS 157 describes three different valuation techniques to be used in determining fair value for financial assets and liabilities: the market, income or cost approaches. The three valuation techniques described withinin FAS 157 are consistent with generally accepted valuation methodologies. The market approach valuation techniquetechniques use prices and other relevant information from market transactions involving identical or comparable assets or liabilities. When possible, quoted prices (unadjusted) in active markets are used as of the period-end date. Otherwise, valuation techniques consistent with the market approach including matrix pricing and comparables are used. Matrix pricing is a mathematical technique employed to value certain securities without relying exclusively on quoted prices for those securities but comparing those securities to benchmark or comparable securities. Comparables use market multiples, which might lie in ranges with a different multiple for each comparable.

Income approach valuation techniques convert future amounts, such as cash flows or earnings, to a single present amount, or a discounted amount. These techniques rely on current market expectations of future amounts as of the period-end date. Examples of income approach valuation techniques include present value techniques, option-pricing models, binomial or lattice models that incorporate present value techniques, and the multi-period excess earnings method.

Union Security Life Insurance Company of New York

Notes to the Financial Statements (unaudited)

Nine Months Ended September 30, 2008 and 2007

(In thousands, except per share and share amounts)

Cost approach valuation techniques are based upon the amount that would be required to replace the service capacity of an asset at the period-end date, or the current replacement cost. That is, from the perspective of a market participant (seller), the price that would be received for the asset is determined based on the cost to a market participant (buyer) to acquire or construct a substitute asset of comparable utility, adjusted for obsolescence.

While all three approaches are not applicable to all financial assets or liabilities, where appropriate, one or more valuation techniquetechniques may be used. For all the financial assets and liabilities included in the above hierarchy, excluding derivatives and private placement bonds, the market valuation technique is generally used. For private placement bonds, and derivatives, the income valuation technique is generally used. For the period ended March 31,September 30, 2008, the application of valuation techniquestechnique applied to similar assets and liabilities has been consistent.

Level 1 and Level 2 valuationssecurities are valued using various observable market inputs obtained from a pricing service. The pricing service prepares estimates of fair value measurements for our Level 2 securities using proprietary valuation models based on techniques such as matrix pricing which include observable market inputs. FAS 157 defines observable market inputs as the assumptions market participants would use in pricing the asset or liability developed on market data obtained from sources independent of the Company. The extent of the use of each observable market input for a security depends on the type of security and the market conditions at the balance sheet date. Depending on the security, the priority of the use of observable market inputs may change as some observable market inputs may not be relevant or additional inputs may be necessary. The following observable market inputs, listed in the approximate order of priority, are utilized in the pricing evaluation of Level 2 securities: benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data. EachThe pricing service also evaluates each security is evaluated based on relevant market information including: relevant credit information, perceived market movements and sector news. Valuation models can change period to period, depending on the appropriate observable inputs that are available at the balance sheet date to price a security. When market observable inputs are unavailable, the remaining unpriced securities are submitted to independent brokers who provide non-binding broker quotes or are priced by other qualified sources and are categorized as Level 3 securities.

Management uses the following criteria in order to determine whether the market for a financial asset is inactive:

Illiquidity did not have a material impact in the fair value determination of the Company’s financial assets.

The Company generally obtains one price for each financial asset. The Company performs a monthly analysis to assess if the evaluated prices represent a reasonable estimate of their fair value. This process involves quantitative and qualitative analysis and is overseen by investment and accounting professionals. Examples of procedures performed include, but are not limited to, initial and on-going review of pricing service methodologies, review of the evaluated prices received from the pricing service, review of pricing statistics and trends, and comparison of prices for certain securities with two different appropriate price sources for reasonableness. As a result of this analysis, if the Company determines there is a more appropriate fair value based upon available market data, which happens infrequently, the price of a security is adjusted accordingly. The pricing service provides information to indicate which securities were priced using market observable inputs so that the Company can properly categorize our financial assets in the fair value hierarchy.

Union Security Life Insurance Company of New York

5. RetirementNotes to the Financial Statements (unaudited)

Nine Months Ended September 30, 2008 and Other Employee Benefits2007

(In thousands, except per share and share amounts)

The Parent sponsors a defined benefit pension plan and certain other post retirement benefits covering employees and certain agents who meet eligibility requirements as to age and length of service. Pension costs allocated to the Company from the Parent were $31 for the three months ended March 31,September 30, 2008 and 2007, and $93 for the nine months ended September 30, 2008 and 2007.

The Company participates in a contributory profit sharing plan, sponsored by the Parent, covering employees and certain agents who meet eligibility requirements as to age and length of service. The amounts expensed by the Company were $31$17 and $26$21 for the three months ended March 31,September 30, 2008 and 2007, respectively, and $66 and $62 for the nine months ended September 30, 2008 and 2007, respectively.

Union Security Life Insurance Company of New York

Notes to the Financial Statements (unaudited)

Three Months Ended March 31, 2008 and 2007

(In thousands, except per share and share amounts)

6. Commitments and Contingencies

The Company is regularly involved in litigation in the ordinary course of business, both as a defendant and as a plaintiff. The Company may from time to time be subject to a variety of legal and regulatory actions relating to the Company’s current and past business operations. While the Company cannot predict the outcome of any pending or future litigation, examination or investigation and although no assurances can be given, the Company does not believe that any pending matter will have a material adverse effect on the Company’s financial condition, results of operations or cash flows.

PART I

FINANCIAL INFORMATION

(Dollardollar amounts in thousands)

This Management’s Discussion and Analysis of Financial Condition and Results of Operations (MD&A)(“MD&A”) addresses the financial condition of Union Security Life Insurance Company of New York (USLICONY(“USLICONY” or the Company)“the Company”) as of March 31,September 30, 2008, compared with December 31, 2007, and itsour results of operations for the three and nine months ended March 31,September 30, 2008 compared with the equivalent 2007 period.and 2007. This discussion should be read in conjunction with the Company’sour MD&A and annual audited financial statements as of December 31, 2007 included in the Company’sour Annual Report on Form 10-K for the year ended December 31, 2007 filed with the U.S. Securities and Exchange Commission (hereafter referred to as(the “SEC”) and the Company’s 2006 Form 10-K) andSeptember 30, 2008 unaudited financial statements and related notes included elsewhere in this Form 10-Q.

Some of the statements included in this MD&A and elsewhere in this report, may containparticularly those anticipating future financial performance, business prospects, growth and operating strategies and similar matters, are forward-looking statements which reflect our current views with respect to, among other things, future eventsthat involve a number of risks and financial performance.uncertainties. You can identify these forward-looking statements by the fact that they may use of forward-looking words such as “outlook,“will,” “believes,“may,” “anticipates,” “expects,” “potential,“estimates,” “continues,” “may,” “will,” “should,” “seeks,” “approximately,” “predicts,“projects,” “intends,” “plans,” “estimates,“believes,” “anticipates”“targets,” “forecasts,” “potential,” “approximately,” or the negative version of those words orand other comparable words.words and terms with a similar meaning. Any forward-lookingforward looking statements contained in this report are based upon our historical performance and on current plans, estimates and expectations. The inclusion of this forward-looking information should not be regarded as a representation by us or any other person that the future plans, estimates or expectations contemplated by us will be achieved. SuchOur actual results might differ materially from those projected in the forward-looking statements are subjectstatements. The Company undertakes no obligation to various risks and uncertainties. Accordingly, there areupdate or will be importantreview any forward-looking statement, whether as a result of new information, future events or other developments.

In addition to the factors thatdescribed in the section below entitled “Critical Factors Affecting Results,” the following risk factors could cause our actual results to differ materially from those indicatedcurrently estimated by management: (i) failure to maintain significant client relationships, distribution sources and contractual arrangements; (ii) failure to attract and retain sales representatives; (iii) general global economic, financial market and political conditions (including difficult conditions in this report. We believe that these factors include but are not limitedfinancial markets and the global economic slowdown, fluctuations in interest rates, mortgage rates, monetary policies and inflationary pressure); (iv) inadequacy of reserves established for future claims losses; (v) failure to those described underpredict or manage benefits, claims and other costs; (vi) diminished value of invested assets in our investment portfolio (due to, among other things, recent volatility in financial markets and the subsection below entitled “Critical Factors Affecting Results”global economic slowdown, credit and liquidity risk, and inability to target an appropriate overall risk level); (vii) inability of reinsurers to meet their obligations; (viii) insolvency of third parties to whom we have sold or may sell businesses through reinsurance or modified co-insurance; (ix) credit risk of some of our agents; (x) a decline in our credit or financial strength ratings (including the currently heightened risk of ratings downgrades in the subsection entitled “Risk Factors”insurance industry); (xi) failure to protect client information and privacy; (xii) negative publicity and impact on our business due to unfavorable outcomes in litigation and regulatory investigations (including the potential impact on our reputation and business of a negative outcome in the ongoing SEC investigation of the Parent); (xiii) significant competitive pressures in our 2007 Annual Report on Form 10-K.businesses and cyclicality of the insurance industry; (xiv) current or new laws and regulations that could increase our costs or limit our growth. These risk factors should not be construed as exhaustive and should be read in conjunction with the other cautionary statements that are included in this report. We undertake no obligation to publicly update or review any forward-looking statement, whether asFor a resultmore detailed discussion of new information, future developments or otherwise. If one or more of these or other risks or uncertainties materialize, or ifthe risk factors that could affect our underlying assumptions prove to be incorrect, actual results, may vary materially from what we projected. Any forward-looking statements you readplease refer to “Item 1A -Risk Factors” in this report reflect our current views with respect to future events and are subject to these and other risks, uncertainties and assumptions relating to our operations, results of operations, financial condition, growth strategy and liquidity.the 2007 Form 10-K.

Critical Factors Affecting Results

Our results depend on the adequacy of our product pricing, underwriting and the accuracy of our methodology for the establishment of reserves for future policyholder benefits and claims, returns on and values of invested assets and our ability to manage our expenses. Therefore, factors affecting these items, including difficult conditions in financial markets and the global economic slowdown, may have a material adverse effect on our results of operations or financial condition.

For information on how the current state of the global capital and credit markets may affect our results, refer to “Item 1A -Risk Factors.”

Critical Accounting Policies and Estimates

Our 2007 Form 10-K described the accounting policies and estimates that are critical to the understanding of our results of operations, financial condition and liquidity. The accounting policies and estimates described in the 2007 Form 10-K were consistently applied to the unaudited interim financial statements for the threenine months ended March 31,September 30, 2008.

Recent Accounting Pronouncements

Recent Accounting Pronouncements – Adopted

On January 1, 2008, the Company adopted Statement of Financial Accounting Standards (“FAS”) No. 157,Fair Value Measurements (“FAS 157”). FAS 157 defines fair value, addresses how companies should measure fair value when they are required to use a fair value measure for recognition or disclosure purposes under GAAP, and expands disclosures about fair value measurements. FAS 157 is applied prospectively for financial assets and liabilities measured on a recurring basis as of January 1, 2008. The adoption of FAS 157 did not have an impact on the Company’s financial position or results of operations. See Note 4 for further information regarding the adoption of FAS 157.

On January 1, 2008, the Company adopted FAS No. 159,The Fair Value Option for Financial Assets and Financial Liabilities (“FAS 159”). FAS 159 provides a choice to measure many financial instruments and certain other items at fair value on specified election dates and requires disclosures about the election of the fair value option. Unrealized gains and losses on items for which the fair value option has been elected are reported in earnings. The Company has chosen not to elect the fair value option for any financial or non-financial instruments as of the adoption date, thus the adoption of FAS 159 did not have an impact on the Company’s financial position or results of operations.

Recent Accounting Pronouncements – Not Yet Adopted

In December 2007, the Financial Accounting Standards Board (“FASB”) issued FAS No. 141R,Business Combinations(“FAS 141R”). FAS 141R replaces FASB Statement No. 141,Business Combinations(“FAS 141”).FAS 141R retains the fundamental requirements in FAS 141 that the purchase method of accounting be used for all business combinations, that an acquirer be identified for each business combination and for goodwill to be recognized and measured as a residual. FAS 141R expands the definition of transactions and events that qualify as business combinations to all transactions and other events in which one entity obtains control over one or more other businesses. FAS 141R broadens the fair value measurement and recognition of assets acquired, liabilities assumed, and interests transferred as a result of business combinations. FAS 141R also increases the disclosure requirements for business combinations in the financial statements. FAS 141R is effective for fiscal periods beginning after December 15, 2008. Therefore, the Company is required to adopt FAS 141R on January 1, 2009. The Company is currently evaluating the requirements of FAS 141R and the potential impact on the Company’s financial position and results of operations.

In December 2007, the FASB issued FAS No. 160,Non - Controlling Interest in Consolidated Financial Statements—an amendment of ARB No. 51(“FAS 160”). FAS 160 requires that a non-controlling interest in a subsidiary be separately reported within equity and the amount of consolidated net income attributable to the non-controlling interest be presented in the statement of operations. FAS 160 also calls for consistency in reporting changes in the parent’s ownership interest in a subsidiary and necessitates fair value measurement of any non-controlling equity investment retained in a deconsolidation. FAS 160 is effective for fiscal periods beginning after December 15, 2008. Therefore, the Company is required to adopt FAS 160 on January 1, 2009. The Company is currently evaluating the requirements of FAS 160 and the potential impact on the Company’s financial position and results of operations.

In February 2008, the FASB issued Financial Statement of Position FAS 157-2 (“FSP FAS 157-2”). FSP FAS 157-2 defers the effective date of FAS 157 for all non-financial assets and non-financial liabilities measured on a non-recurring basis to fiscal years beginning after November 15, 2008, and interim periods within those fiscal years, which for the Company is January 1, 2009. The Company is currently evaluating the requirements of FAS 157 for its non-financial assets and non-financial liabilities measured on a non-recurring basis and the potential impact on the Company’s financial position and results of operations.

The tables below present information regarding our results of operations:

The following discussion provides a high level analysis of the consolidated results for three and nine months ended September 30, 2008 (“Third Quarter 2008” and “Nine Months 2008”, respectively) and three and nine months ended September 30, 2007 (“Third Quarter 2007” and “Nine Months 2007”, respectively). Please see the discussion that follows for a more detailed analysis of the fluctuations.

For The Three Months Ended March 31,September 30, 2008 Compared to The Three Months Ended March 31,September 30, 2007.

Net Income

Net (loss) income increased $353,decreased $4,258, or 11%135%, to $3,451$(1,105) for FirstThird Quarter 2008 from $3,098$3,153 for FirstThird Quarter 2007. The increasedecrease in net income iswas primarily due to favorable experience in our group disability business, mostly offset by an increase in net realized losses on investments driven by the write-down of other-than-temporary impairments of $335, after-tax,$1,972 (after-tax) in Third Quarter 2008 compared to $49 (after-tax) in Third Quarter 2007, a loss contingency accrual of $950 and unfavorableless favorable experience in our group disability, group life and group dental experience.business.

Total Revenues

Total revenues decreased $502,$9,903, or 3%44%, to $16,249$12,560 for FirstThird Quarter 2008 from $16,751$22,463 for FirstThird Quarter 2007. This decrease iswas primarily due to the write-down of other-than-temporary impairments in our investment portfolio of $516$3,034 in Third Quarter 2008 compared to $75 in Third Quarter 2007 and a decreaseassumed single premiums on closed blocks of business in group life premiumsthe amount of $163, partially offset by an increase$6,413, net of reinsurance, recorded in net investment income driven by a slightly higher investment yield.the prior year.

Total Benefits, Losses and Expenses

Total benefits, losses and expenses decreased $968,$3,920, or 8%22%, to $11,060$13,749 for FirstThird Quarter 2008 from $12,028$17,669 for FirstThird Quarter 2007. This decrease iswas primarily due to favorable group disability experience,the assumption of closed blocks of business in the amount of $6,413, net of reinsurance, recorded in the prior year. This is partially offset by unfavorable experiencea loss contingency accrual of $950 and an increase in our group disability, group life and group dental business.business due to less favorable experience.

Income Taxes

Income taxes decreased $1,725, or 105%, to $(84) for Third Quarter 2008 from $1,641 for Third Quarter 2007. The change in income taxes was not proportionate to the decrease in pretax income, primarily due to a permanent tax difference recorded in 2008 related to the loss contingency accrual.

For The Nine Months Ended September 30, 2008 Compared to The Nine Months Ended September 30, 2007.

Net Income

Net income decreased $3,391, or 44%, to $4,253 for Nine Months 2008 from $7,644 for Nine Months 2007. The decrease in net income was primarily due to an increase in net realized losses on investments driven by the write-down of other-than-temporary impairments of $2,839 (after-tax) in Nine Months 2008 compared to $49 (after tax) in Nine Months 2007, and a loss contingency accrual of $950.

Total Revenues

Total revenues decreased $7,551, or 14%, to $48,340 for Nine Months 2008 from $55,891 for Nine Months 2007. This decrease was primarily due to the write-down of other-than-temporary impairments in our investment portfolio of $4,367 in Nine Months 2008 compared to $75 in Nine Months 2007 and assumed single premiums on closed blocks of business, net of reinsurance, as $4,194 was recorded in Nine Months 2008 compared to $6,413 in Nine Months 2007.

Total Benefits, Losses and Expenses

Total benefits, losses and expenses decreased $2,817, or 6%, to $41,423 for Nine Months 2008 from $44,240 for Nine Months 2007. This decrease was primarily due to the assumption of closed blocks of business, net of reinsurance, of $4,194 was recorded in Nine Months 2008 compared to $6,413 in Nine Months 2007. This was partially offset by a loss contingency accrual of $950.

Income Taxes

Income taxes decreased $1,343, or 34%, to $2,664 for Nine Months 2008 from $4,007 for Nine Months 2007. The change in income taxes was not proportionate to the decrease in pretax income primarily due to a permanent tax difference recorded in 2008 related to the loss contingency accrual.

Item 3.

Quantitative And Qualitative Disclosures About Market Risk.

Not required under the reduced disclosure format.

Item 4T.

Controls And Procedures.

Evaluation of Disclosure Controls and Procedures

Under the supervision and with the participation of our Chief Executive Officer and Chief Financial Officer, we have evaluated the effectiveness of our disclosure controls and procedures as of March 31,September 30, 2008. Based on this evaluation, our Chief Executive Officer and Chief Financial Officer have concluded that our disclosure controls and procedures were effective as of that date in providing a reasonable level of assurance that information we are required to disclose in reports we file or furnish under the Exchange Act is recorded, processed, summarized and reported within the time periods in SEC rules and forms. Further, our disclosure controls and procedures were effective in providing a reasonable level of assurance that information required to be disclosed by us in such reports is accumulated and communicated to our management, including our Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure.

Internal Control Over Financial Reporting

ThereDuring the quarter ending September 30, 2008, we have beenmade no changes in the Company’sour internal control over financial reporting that occurred during the Company’s first fiscal quarter of 2008 that have materially affected, or are reasonably likely to materially affect, the Company’sour internal control over financial reporting.

PART II

OTHER INFORMATION

OurCertain factors may have a material adverse effect on our business, financial condition and results of operations and you should carefully consider them. It is not possible to predict or identify all such factors. For discussion of our potential risks or uncertainties, refer to “Item 1A—Risk Factors” included in our 2007 Annual Report on Form 10-K described our Risk Factors. There10-K. Except as set forth below, there have been no material changes to the Risk Factorsrisk factors disclosed in our 2007 Annual Report on Form 10-K.

A.M. Best, Moody’s, and S&P rate the financial strength of the Company, and a decline in these ratings could affect our standing in the insurance industry and cause our sales and earnings to decrease.

Ratings are an increasingly important factor in establishing the competitive position of insurance companies. A.M. Best, Moody’s and S&P ratings reflect their opinions of our financial strength, operating performance, strategic position and ability to meet our obligations to policyholders. These ratings are subject to periodic review by A.M. Best, Moody’s, and S&P, and we cannot assure you that we will be able to retain these ratings. As a result of their concerns, A.M. Best, Moody’s and S&P have placed a negative outlook on our ratings. Given recent economic developments that have negatively affected the entire insurance industry, we believe that we are currently more susceptible to ratings downgrades.

If our ratings are lowered from their current levels by A.M. Best, Moody’s, or S&P, our competitive position in the respective insurance industry segments could be negatively impacted and it could be more difficult for us to market our products. Rating agencies may take action to lower our ratings in the future due to, among other things, perceived concerns about our liquidity or solvency, the competitive environment in the insurance industry, which may adversely affect our revenues, the inherent uncertainty in determining reserves for future claims, which may cause us to increase our reserves for claims, the outcome of pending litigation and regulatory investigations, which may adversely affect our financial position and reputation and possible changes in the methodology or criteria applied by the rating agencies. In addition, rating agencies have come under recent scrutiny over their ratings on various mortgage-backed products. As a result, they may have become more conservative in their methodology and criteria, which could adversely affect our ratings. Finally, rating agencies or regulators could increase capital requirements for the Company or its subsidiaries which in turn, could negatively affect our financial position as well.

As customers and their advisors place importance on our financial strength ratings, we may lose customers and compete less successfully if we are downgraded. In addition, ratings impact our ability to attract investment capital on favorable terms. If our financial strength ratings are reduced from their current levels by A.M. Best, Moody’s, or S&P, our cost of borrowing would likely increase, our sales and earnings could decrease and our results of operations and financial condition could be materially adversely affected. Contracts representing approximately 16% of the Company’s net earned premiums for the year ended December 31, 2007 contain provisions requiring the Company to maintain minimum A.M. Best financial strength ratings of “A-” or better. The Company’s clients may terminate the agreements and recapture inforce business (generally after a recapture period) if the Company’s ratings fall below “A-”.

General economic, financial market and political conditions may adversely affect our results of operations and financial conditions. Particularly, recent developments in financial markets and the global economy may negatively affect our results.

General economic, financial market and political conditions may have a material adverse effect on our results of operations and financial condition. The stress experienced by global capital markets that began in the second half of 2007 continued and substantially increased during the three months ended March 31,third quarter of 2008. Recently, concerns over inflation,

energy costs, geopolitical issues, the availability and cost of credit, the global mortgage market, a declining global real estate market, and the loss of consumer confidence and a reduction in consumer spending have contributed to increased volatility and diminished expectations for the economy and the markets going forward. These factors, combined with volatile energy prices, declining business and consumer confidence and increased unemployment, have precipitated an economic slowdown and fears of a possible global recession. This may affect our operational results and the performance of our investment portfolio.

In the third quarter of 2008, the Company recognized net realized losses on investments totaling $2,373 after tax. If the current economic downturn continues to negatively affect companies, industry sectors or countries, the Company may have additional investment losses and further increases in other-than-temporary impairments. As part of the Parent’s process, our investment portfolio is regularly monitored to ensure investments that may be other-than-temporarily impaired are identified in a timely fashion, properly valued, and any impairments are charged against earnings in the proper period. Assessment factors include, but are not limited to, the length of time and the extent to which the market value has been less than cost, the financial condition and rating of the issuer, whether any collateral is held, and the intent and ability of the Company to retain the investment for a period of time sufficient to allow for recovery. However, the determination that a security has incurred an other-than-temporary decline in value requires the judgment of management. Inherently, there are risks and uncertainties involved in making these judgments. Therefore, changes in facts and circumstances and critical assumptions could also result in management’s decision that further impairments have occurred.

Not required under the reduced disclosure format.

Not required under the reduced disclosure format.

Not required under the reduced disclosure format.

Item 6. Exhibits

The following exhibits are filed with this report. Exhibits are available upon request at the investor relations section of our website, located at www.assurant.com.

Exhibit No.		Description
31.1		Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer.
31.2		Rule 13a-14(a)/15d-14(a) Certification of President.
31.3		Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer.
32.1		Certification of Chief Executive Officer of Union Security Life Insurance Company of New York 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 President of Union Security Life Insurance Company of New York pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of The Sarbanes-Oxley Act of 2002.
32.3		Certification of Chief Financial Officer of Union Security Life Insurance Company of New York pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized on May 12,November 7, 2008.

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