<SEC-DOCUMENT>0001214659-20-001353.txt : 20200213
<SEC-HEADER>0001214659-20-001353.hdr.sgml : 20200213
<ACCEPTANCE-DATETIME>20200213170103
ACCESSION NUMBER:		0001214659-20-001353
CONFORMED SUBMISSION TYPE:	SC 13G/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20200213
DATE AS OF CHANGE:		20200213
GROUP MEMBERS:		DEBRA FINE
GROUP MEMBERS:		FINE CAPITAL ADVISORS, LLC

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MBIA INC
		CENTRAL INDEX KEY:			0000814585
		STANDARD INDUSTRIAL CLASSIFICATION:	SURETY INSURANCE [6351]
		IRS NUMBER:				061185706
		STATE OF INCORPORATION:			CT
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13G/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-38598
		FILM NUMBER:		20611761

	BUSINESS ADDRESS:	
		STREET 1:		1 MANHATTANVILLE ROAD
		STREET 2:		SUITE 301
		CITY:			PURCHASE
		STATE:			NY
		ZIP:			10577
		BUSINESS PHONE:		914-273-4545

	MAIL ADDRESS:	
		STREET 1:		1 MANHATTANVILLE ROAD
		STREET 2:		SUITE 301
		CITY:			PURCHASE
		STATE:			NY
		ZIP:			10577

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Fine Capital Partners, L.P.
		CENTRAL INDEX KEY:			0001339161
		IRS NUMBER:				201192223
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13G/A

	BUSINESS ADDRESS:	
		STREET 1:		FINE CAPITAL MANAGEMENT, L.L.C.
		STREET 2:		590 MADISON AVENUE, 27TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022
		BUSINESS PHONE:		212-492-8200

	MAIL ADDRESS:	
		STREET 1:		FINE CAPITAL MANAGEMENT, L.L.C.
		STREET 2:		590 MADISON AVENUE, 27TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13G/A
<SEQUENCE>1
<FILENAME>r131200sc13ga3.htm
<DESCRIPTION>AMENDMENT NO. 3
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</p>

<!-- Field: Rule-Page --><div style="margin-top: 12pt; margin-bottom: 3pt; width: 100%"><div style="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid">&nbsp;</div></div><!-- Field: /Rule-Page -->

<p style="margin: 0"></p>

<p style="margin: 0"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><font style="font-size: 14pt"><b>UNITED
STATES</b></font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><font style="font-size: 14pt"><b>SECURITIES
AND EXCHANGE COMMISSION</b></font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><font style="font-size: 12pt"><b>Washington,
D.C. 20549</b></font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> <FONT STYLE="font-size: 18pt"><B>SCHEDULE
13G/A</B></FONT> </p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Under the Securities Exchange Act of
1934</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> <b>(Amendment No. 3 )*</b> </p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr>
    <td style="width: 100%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 24pt"><b>MBIA
    Inc.</b></font></td></tr>
<tr>
    <td style="font-size: 10pt; text-align: center"><font style="font-size: 10pt">(Name of Issuer)</font></td></tr>
<tr>
    <td style="font-size: 10pt; text-align: center"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td style="border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 10pt"><b>Common Stock, par value $1 per share</b></font></td></tr>
<tr>
    <td style="font-size: 10pt; text-align: center"><font style="font-size: 10pt">(Title of Class of Securities)</font></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr>
    <td style="width: 37%; text-align: center"><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="width: 27%; border-bottom: black 1pt solid; text-align: center"><font style="font-size: 10pt"><b>55262C100</b></font></td>
    <td style="width: 36%; text-align: center"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td style="text-align: center"><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="text-align: center"><font style="font-size: 10pt">(CUSIP Number)</font></td>
    <td style="text-align: center"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td colspan="3" style="text-align: center"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td colspan="3" style="border-bottom: black 1pt solid; text-align: center"> <font style="font-size: 10pt"><b>December 31,
    2019</b></font> </td></tr>
<tr>
    <td colspan="3" style="text-align: center"><font style="font-size: 10pt">(Date of Event Which Requires Filing of This Statement)</font></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box to designate the rule pursuant to
which this Schedule is filed:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 4%">&nbsp;</td>
    <td style="width: 8%"><font style="font-family: Wingdings">x</font></td>
    <td style="width: 88%"><font style="font-size: 10pt">Rule 13d-1(b)</font></td></tr>
<tr style="vertical-align: top">
    <td>&nbsp;</td>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td>&nbsp;</td>
    <td><font style="font-family: Wingdings">o</font></td>
    <td><font style="font-size: 10pt">Rule 13d-1(c)</font></td></tr>
<tr style="vertical-align: top">
    <td>&nbsp;</td>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td>&nbsp;</td>
    <td><font style="font-family: Wingdings">o</font></td>
    <td><font style="font-size: 10pt">Rule 13d-1(d)</font></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment
containing information which would alter the disclosures provided in a prior cover page.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information required in the remainder of this cover page
shall not be deemed to be &ldquo;filed&rdquo; for the purpose of Section 18 of the Securities Exchange Act of 1934 (&ldquo;Act&rdquo;)
or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however,
see the Notes).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<!-- Field: Rule-Page --><div style="margin-top: 3pt; margin-bottom: 12pt; width: 100%"><div style="font-size: 1pt; border-top: Black 1pt solid; border-bottom: Black 2pt solid">&nbsp;</div></div><!-- Field: /Rule-Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>




<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><font style="font-size: 10pt"><b>CUSIP No.&nbsp;&nbsp;55262C100</b></font></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: center"><font style="font-size: 18pt"><b>1</b></font></td>
    <td colspan="2" style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">NAMES OF REPORTING PERSONS</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Fine Capital Partners, L.P.</p></td></tr>
<tr style="vertical-align: top">
    <td style="width: 10%; border-left: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><font style="font-size: 18pt"><b>2</b></font></td>
    <td style="width: 72%; border-left: black 1pt solid; border-bottom: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (see instructions)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p></td>
    <td style="width: 18%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-size: 10pt">(a)</font><font style="font-family: Wingdings">o</font></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-size: 10pt">(b)<font style="font-family: Wingdings">o</font></font></p></td></tr>
<tr style="vertical-align: top; background-color: #DDDDDD">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: center"><font style="font-size: 18pt"><b>3</b></font></td>
    <td colspan="2" style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SEC USE ONLY</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: center"><font style="font-size: 18pt"><b>4</b></font></td>
    <td colspan="2" style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CITIZENSHIP OR PLACE OF ORGANIZATION</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Delaware</p></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr>
    <td rowspan="4" style="width: 20%; border-left: black 1pt solid; border-bottom: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">NUMBER OF</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SHARES</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">BENEFICIALLY</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">OWNED BY</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">EACH REPORTING</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PERSON WITH:</p></td>
    <td style="vertical-align: top; width: 11%; border-left: black 1pt solid; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>5</b></font></td>
    <td style="vertical-align: top; width: 69%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SOLE VOTING POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">0</p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>6</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SHARED VOTING POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 1,668,622 </p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>7</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SOLE DISPOSITIVE POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">0</p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>8</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SHARED DISPOSITIVE POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 1,668,622 </p></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 10%; border-left: black 1pt solid; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>9</b></font></td>
    <td style="width: 90%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 1,668,622 </p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>10</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
        SHARES (see instructions)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 34.7pt 0pt 0"><font style="font-family: Wingdings">o</font></p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>11</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 2.08% </p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>12</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">TYPE OF REPORTING PERSON (see instructions)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PN, IA</p></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p>


<!-- Field: Page; Sequence: 2 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td colspan="3" style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 10pt"><b>CUSIP No.&nbsp;&nbsp;55262C100</b></font></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>1</b></font></td>
    <td colspan="2" style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">NAMES OF REPORTING PERSONS</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Fine Capital Advisors, LLC</p></td></tr>
<tr style="vertical-align: top">
    <td style="width: 10%; border-left: black 1pt solid; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>2</b></font></td>
    <td style="width: 72%; border-left: black 1pt solid; border-bottom: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (see instructions)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p></td>
    <td style="width: 18%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-size: 10pt">(a)</font><font style="font-family: Wingdings">o</font></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-size: 10pt">(b)</font><font style="font-family: Wingdings">o</font></p></td></tr>
<tr style="vertical-align: top; background-color: #DDDDDD">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>3</b></font></td>
    <td colspan="2" style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SEC USE ONLY</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>4</b></font></td>
    <td colspan="2" style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CITIZENSHIP OR PLACE OF ORGANIZATION</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Delaware</p></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr>
    <td rowspan="4" style="width: 20%; border-left: black 1pt solid; border-bottom: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">NUMBER OF</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SHARES</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">BENEFICIALLY</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">OWNED BY</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">EACH REPORTING</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PERSON WITH:</p></td>
    <td style="vertical-align: top; width: 11%; border-left: black 1pt solid; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>5</b></font></td>
    <td style="vertical-align: top; width: 69%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SOLE VOTING POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">0</p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>6</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SHARED VOTING POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 1,668,622 </p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>7</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SOLE DISPOSITIVE POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">0</p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>8</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SHARED DISPOSITIVE POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 1,668,622 </p></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 10%; border-left: black 1pt solid; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>9</b></font></td>
    <td style="width: 90%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 1,668,622 </p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>10</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
        SHARES (see instructions)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 34.7pt 0pt 0"><font style="font-family: Wingdings">o</font></p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>11</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 2.08% </p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>12</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">TYPE OF REPORTING PERSON (see instructions)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">OO, HC</p></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p>


<!-- Field: Page; Sequence: 3 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td colspan="3" style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 10pt"><b>CUSIP No.&nbsp;&nbsp;55262C100</b></font></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>1</b></font></td>
    <td colspan="2" style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">NAMES OF REPORTING PERSONS</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Debra Fine</p></td></tr>
<tr style="vertical-align: top">
    <td style="width: 10%; border-left: black 1pt solid; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>2</b></font></td>
    <td style="width: 72%; border-left: black 1pt solid; border-bottom: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (see instructions)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p></td>
    <td style="width: 18%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-size: 10pt">(a)</font><font style="font-family: Wingdings">o</font></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-size: 10pt">(b)</font><font style="font-family: Wingdings">o</font></p></td></tr>
<tr style="vertical-align: top; background-color: #DDDDDD">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>3</b></font></td>
    <td colspan="2" style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SEC USE ONLY</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>4</b></font></td>
    <td colspan="2" style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CITIZENSHIP OR PLACE OF ORGANIZATION</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">United States of America</p></td></tr>
</table>


<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr>
    <td rowspan="4" style="width: 20%; border-left: black 1pt solid; border-bottom: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">NUMBER OF</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SHARES</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">BENEFICIALLY</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">OWNED BY</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">EACH REPORTING</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PERSON WITH:</p></td>
    <td style="vertical-align: top; width: 11%; border-left: black 1pt solid; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>5</b></font></td>
    <td style="vertical-align: top; width: 69%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SOLE VOTING POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">0</p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>6</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SHARED VOTING POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 1,668,622 </p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>7</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SOLE DISPOSITIVE POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">0</p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>8</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SHARED DISPOSITIVE POWER</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 1,668,622 </p></td></tr>
</table>


<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 10%; border-left: black 1pt solid; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>9</b></font></td>
    <td style="width: 90%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 1,668,622 </p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>10</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
        SHARES (see instructions)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 34.7pt 0pt 0"><font style="font-family: Wingdings">o</font></p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>11</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 2.08% </p></td></tr>
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 18pt"><b>12</b></font></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">TYPE OF REPORTING PERSON (see instructions)</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">IN, HC</p></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p>


<!-- Field: Page; Sequence: 4 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 10%; font-size: 10pt"><font style="font-size: 10pt"><b>Item 1(a).</b></font></td>
    <td style="width: 90%; font-size: 10pt"><font style="font-size: 10pt">Name of Issuer:</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">MBIA Inc.</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>Item 1(b).</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Address of Issuer&rsquo;s Principal Executive Offices:</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">1 Manhattanville Road, Suite 301
<br>
Purchase, New York 10577
<br>
United States of America</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>Item 2(a).</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Name of Person Filing:</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Fine Capital Partners, L.P.
<br>
590 Madison Avenue, 27th Floor
<br>
New York, New York 10022</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Fine Capital Advisors, LLC
<br>
590 Madison Avenue, 27th Floor
<br>
New York, New York 10022</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ms. Debra Fine
<br>
590 Madison Avenue, 27th Floor
<br>
New York, New York 10022</p>

        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>Item 2(b).</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Address of Principal Business Office or, if none, Residence:</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> 590 Madison Avenue, 27<sup>th</sup> Floor<br>
        New York, New York 10022 </p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>Item 2(c).</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Citizenship:</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Fine Capital Partners, L.P. - Delaware limited partnership<br>
        Fine Capital Advisors, LLC - Delaware limited company <br>
        Debra Fine - United States of America </p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>Item 2(d).</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Title of Class of Securities:</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Common Stock, par value $1 per share</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>Item 2(e).</b></font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">CUSIP Number:&nbsp;&nbsp;55262C100</font></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>


<!-- Field: Page; Sequence: 5 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="font-size: 10pt"><font style="font-size: 10pt"><b>Item 3.</b></font></td>
    <td colspan="3" style="font-size: 10pt"><font style="font-size: 10pt"><b>If this Statement is filed pursuant to 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:</b></font></td></tr>
<tr style="vertical-align: top">
    <td style="width: 10%; font-size: 10pt">&nbsp;</td>
    <td style="width: 4%; font-size: 10pt"><font style="font-size: 10pt">(a)</font></td>
    <td style="width: 3%; font-size: 10pt"><font style="font-family: Wingdings">o</font></td>
    <td style="width: 83%; font-size: 10pt"><font style="font-size: 10pt">Broker or dealer registered under Section 15 of the Act;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&nbsp;</td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">(b)</font></td>
    <td style="font-size: 10pt"><font style="font-family: Wingdings">o</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Bank as defined in Section 3(a)(6) of the Act;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&nbsp;</td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">(c)</font></td>
    <td style="font-size: 10pt"><font style="font-family: Wingdings">o</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Insurance company as defined in Section 3(a)(19) of the Act;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&nbsp;</td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">(d)</font></td>
    <td style="font-size: 10pt"><font style="font-family: Wingdings">o</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Investment company registered under Section 8 of the Investment Company Act of 1940;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&nbsp;</td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">(e)</font></td>
    <td style="font-size: 10pt"><font style="font-family: Wingdings">x</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">An investment adviser in accordance with Rule 13d-1(b)(1)(ii)(E);</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&nbsp;</td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">(f)</font></td>
    <td style="font-size: 10pt"><font style="font-family: Wingdings">o</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">An employee benefit plan or endowment fund in accordance with Rule 13d-1(b)(1)(ii)(F);</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&nbsp;</td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">(g)</font></td>
    <td style="font-size: 10pt"><font style="font-family: Wingdings">x</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">A parent holding company or control person in accordance with Rule 13d-1(b)(1)(ii)(G);</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&nbsp;</td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">(h)</font></td>
    <td style="font-size: 10pt"><font style="font-family: Wingdings">o</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">A savings association as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&nbsp;</td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">(i)</font></td>
    <td style="font-size: 10pt"><font style="font-family: Wingdings">o</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940;</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&nbsp;</td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">(j)</font></td>
    <td style="font-size: 10pt"><font style="font-family: Wingdings">o</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">A non-U.S. institution in accordance with Rule 240.13d-1(b)(1)(ii)(J);</font></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&nbsp;</td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">(k)</font></td>
    <td style="font-size: 10pt"><font style="font-family: Wingdings">o</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K). If filing as a non-U.S. institution in accordance with Rule 240.13d-1(b)(1)(ii)(J), please specify the type of institution: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>Item 4.</b></font></td>
    <td colspan="4"><font style="font-size: 10pt"><b>Ownership.</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td colspan="4"><font style="font-size: 10pt">Provide the following information regarding the aggregate number and percentage of the class of securities of the issuer identified in Item 1.</font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">(a)</font></td>
    <td colspan="2"><font style="font-size: 10pt">Amount Beneficially Owned:</font></td>
    <td style="text-align: right"> <font style="font-size: 10pt">1,668,622&nbsp;&nbsp;&nbsp;</font> </td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">(b)</font></td>
    <td colspan="2"><font style="font-size: 10pt">Percent of Class:</font></td>
    <td style="text-align: right"> <font style="font-size: 10pt">2.08%</font> </td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">(c)</font></td>
    <td colspan="3"><font style="font-size: 10pt">Number of shares as to which such person has:</font></td></tr>
<tr style="vertical-align: top">
    <td style="width: 6%"><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td style="width: 4%"><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td style="width: 4%"><font style="font-size: 10pt">(i)</font></td>
    <td style="width: 66%"><font style="font-size: 10pt">sole power to vote or to direct the vote:</font></td>
    <td style="width: 20%; text-align: right"> <font style="font-size: 10pt">0&nbsp;&nbsp;&nbsp;</font> </td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">(ii)</font></td>
    <td><font style="font-size: 10pt">shared power to vote or to direct the vote:</font></td>
    <td style="text-align: right"> <font style="font-size: 10pt">1,668,622&nbsp;&nbsp;&nbsp;</font> </td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">(iii)</font></td>
    <td><font style="font-size: 10pt">sole power to dispose or to direct the disposition of:</font></td>
    <td style="text-align: right"> <font style="font-size: 10pt">0&nbsp;&nbsp;&nbsp;</font> </td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">(iv)</font></td>
    <td><font style="font-size: 10pt">shared power to dispose or to direct the disposition of:</font></td>
    <td style="text-align: right"> <font style="font-size: 10pt">1,668,622&nbsp;&nbsp;&nbsp;</font> </td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>


<!-- Field: Page; Sequence: 6 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 9%"><font style="font-size: 10pt"><b>Item 5.</b></font></td>
    <td style="width: 91%"><font style="font-size: 10pt"><b>Ownership of Five Percent or Less of a Class.</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">If this statement is being filed to report the fact that as of the date hereof the reporting
    person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following <font style="font-family: Wingdings">x</font></font>.</td></tr>
<tr style="vertical-align: top">
    <td>&nbsp;</td>
    <td>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;<b>Item 6.</b></font></td>
    <td><font style="font-size: 10pt"><b>Ownership of More than Five Percent on Behalf of Another Person.</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">All of the securities reported in this Schedule 13G are owned by advisory clients of Fine Capital Partners, L.P., none of which owns more than 5% of the class.</font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>Item 7.</b></font></td>
    <td><font style="font-size: 10pt"><b>Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company.</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td> <font style="font-size: 10pt">Fine Capital Partners, L.P. is the relevant entity for which each of Fine Capital Advisors,
    LLC and Debra Fine may be considered a control person.</font> </td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>Item 8.</b></font></td>
    <td><font style="font-size: 10pt"><b>Identification and Classification of Members of the Group.</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">Not applicable.</font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>Item 9.</b></font></td>
    <td><font style="font-size: 10pt"><b>Notice of Dissolution of Group.</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td><font style="font-size: 10pt">Not applicable.</font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>Item 10.</b></font></td>
    <td><font style="font-size: 10pt"><b>Certification.</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td>
    <td><font style="font-size: 10pt"><b>&nbsp;</b></font></td></tr>
<tr style="vertical-align: top">
    <td><font style="font-size: 10pt">&nbsp;&nbsp;</font></td>
    <td> <font style="font-size: 10pt">By signing below I certify that, to the best of my knowledge and belief, the securities
    referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for
    the purpose of and do not have the effect of changing the control of the issuer of the securities and were not acquired and
    are not held in connection with or as a participant in any transaction having such purpose or effect for the time being.</font> </td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>


<!-- Field: Page; Sequence: 7 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SIGNATURE</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">After reasonable inquiry and to the best
of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr>
    <td style="width: 62%"><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="width: 24%; border-bottom: black 1pt solid; text-align: center"> <font style="font-size: 10pt">February 13, 2020</font> </td>
    <td style="width: 14%"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="text-align: center"><font style="font-size: 10pt">Date</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid"><font style="font-size: 10pt">/s/ Debra Fine</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="text-align: center"><font style="font-size: 10pt">Signature</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid"><font style="font-size: 10pt">Debra Fine, Manager</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
<tr>
    <td><font style="font-size: 10pt">&nbsp;</font></td>
    <td><font style="font-size: 10pt">Name/Title</font></td>
    <td><font style="font-size: 10pt">&nbsp;</font></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<p style="margin: 0">&nbsp;</p>

<!-- Field: Rule-Page --><div style="margin-top: 3pt; margin-bottom: 3pt; width: 100%"><div style="font-size: 1pt; border-top: Black 2px solid">&nbsp;</div></div><!-- Field: /Rule-Page -->

<p style="margin: 0"></p>

<p style="margin: 0">&nbsp;</p>

<p style="margin: 0">&nbsp;</p>

<p style="margin: 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
