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Nephros

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FY2013 Annual Report · Nephros
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549

FORM 10-K

  x

ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2013

  ☐

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the Transition Period from                                to

Commission File Number 001-32288

NEPHROS, INC.
(Exact name of registrant specified in its charter)

Delaware
(State or Other Jurisdiction of
Incorporation or Organization)

13-3971809
(I.R.S. Employer
Identification No.)

41 Grand Avenue
River Edge, NJ 07661
(Address of Principal Executive Offices)

(201) 343-5202
(Telephone Number, Including Area Code)

Securities Registered Pursuant to Section 12(b) of the Exchange Act: None

Securities registered under Section 12(g) of the Exchange Act:

(Title of Class)
Common Stock, $.001 par value per share

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes   ☐  No   x

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act.    Yes     ☐        No     x

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934
during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.    Yes      x        No   ☐

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to
be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to
submit and post such files).
Yes x   No ☐

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best
of the registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K.   ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a smaller reporting company. See definitions of “large
accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer  ☐   Accelerated filer  ☐  Non-accelerated filer  ☐

  Smaller reporting company  x

  (Do not check if a smaller reporting company)

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes  ☐ No    x

The aggregate market value of the voting stock held by non-affiliates of the registrant, as of June 28, 2013, was approximately $10,181,000. Such aggregate
market value was computed by reference to the closing price of the common stock as reported on the OTCQB Marketplace operated by the OTC Markets
Group, Inc., or OTCQB, on June 28, 2013.  For purposes of making this calculation only, the registrant has defined affiliates as including only directors and
executive officers and shareholders holding greater than 10% of the voting stock of the registrant as of June 28, 2013.

As of March 25, 2014 there were 25,225,704 shares of the registrant’s common stock, $0.001 par value, outstanding.

DOCUMENTS INCORPORATED BY REFERENCE

Certain portions of the registrant’s Proxy Statement (the “2014 Proxy Statement”), which will be filed with the SEC in connection with the 2014 Annual
Meeting of Stockholders, are incorporated by reference into Part III of this Form 10-K.  The 2014 Proxy Statement will be filed within 120 days of December
31, 2013.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
Item 1. Business
Item 1A. Risk Factors
Item 2. Properties
Item 3. Legal Proceedings
Item 4. Mine Safety Disclosures

NEPHROS, INC. AND SUBSIDIARY

TABLE OF CONTENTS

PART I

PART II

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and  Issuer Purchases of Equity Securities
Item 6. Selected Financial Data
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations
Item 7A. Quantitative and Qualitative Disclosures About Market Risk
Item 8. Financial Statements
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
Item 9A. Controls and Procedures
Item 9B. Other Information

PART III

Item 10. Directors, Executive Officers and Corporate Governance
Item 11. Executive Compensation
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters
Item 13. Certain Relationships and Related Transactions, and Director Independence
Item 14. Principal Accounting Fees and Services
Item 15. Exhibits
Signatures

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FORWARD LOOKING STATEMENTS

Certain statements in this Annual Report on Form 10-K constitute “forward-looking statements”. Such statements include statements regarding the
efficacy and intended use of our technologies under development, the timelines for bringing such products to market and the availability of funding sources
for  continued  development  of  such  products  and  other  statements  that  are  not  historical  facts,  including  statements  which  may  be  preceded  by  the  words
“intends,”  “may,”  “will,”  “plans,”  “expects,”  “anticipates,”  “projects,”  “predicts,”  “estimates,”  “aims,”  “believes,”  “hopes,”  “potential”  or  similar  words.
Forward-looking statements are not guarantees of future performance, are based on certain assumptions and are subject to various known and unknown risks
and  uncertainties,  many  of  which  are  beyond  our  control.  Actual  results  may  differ  materially  from  the  expectations  contained  in  the  forward-looking
statements. Factors that may cause such differences include, but are not limited to, the risks that:

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we may not be able to continue as a going concern;

the voluntary recalls of point of use (POU) and DSU in-line ultrafilters used in hospital water treatment applications announced on October 30,
2013 and the related circumstances could subject us to claims or proceedings by consumers, the FDA or other regulatory authorities which
may adversely impact our sales and revenues;

we face significant challenges in obtaining market acceptance of our products, which could adversely affect our potential sales and revenues;

there are product-related deaths or serious injuries or product malfunctions, which could trigger recalls, class action lawsuits and other events
that could cause us to incur expenses and may also limit our ability to generate revenues from such products;

we face potential liability associated with the production, marketing and sale of our products, and/or the expense of defending against claims
of product liability, could materially deplete our assets and generate negative publicity which could impair our reputation;

to the extent our products or marketing materials are found to violate any provisions of the FDC Act or any other statutes or regulations then
we could be subject to enforcement actions by the FDA or other governmental agencies;

we may not be able to obtain funding if and when needed or on terms favorable to us in order to continue operations;

we may not have sufficient capital to successfully implement our business plan;

we may not be able to effectively market our products;

we may not be able to sell our water filtration products or chronic renal failure therapy products at competitive prices or profitably;

we may encounter problems with our suppliers, manufacturers and distributors;

we may encounter unanticipated internal control deficiencies or weaknesses or ineffective disclosure controls and procedures;

we may not obtain appropriate or necessary regulatory approvals to achieve our business plan;

products  that  appeared  promising  to  us  in  research  or  clinical  trials  may  not  demonstrate  anticipated  efficacy,  safety  or  cost  savings  in
subsequent pre-clinical or clinical trials;

we may not be able to secure or enforce adequate legal protection, including patent protection, for our products; and

we may not be able to achieve sales growth in key geographic markets.

More  detailed  information  about  the  Company  and  the  risk  factors  that  may  affect  the  realization  of  forward-looking  statements,  including  the
forward-looking statements in this Annual Report on Form 10-K, is set forth in our filings with the SEC, including our other periodic reports filed with the
SEC. We urge investors and security holders to read those documents free of charge at the SEC’s web site at www.sec.gov. We do not undertake to publicly
update or revise our forward-looking statements as a result of new information, future events or otherwise, except as required by law.

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Item 1. Business

Overview

PART I

Nephros is a commercial stage medical device company that develops and sells high performance liquid purification filters. Our filters, which we
call ultrafilters, are primarily used in dialysis centers for the removal of biological contaminants from water, bicarbonate concentrate and/or blood. Because
our ultrafilters capture contaminants as small as 0.005 microns in size, they minimize exposure to a wide variety of bacteria, viruses, fungi, parasites and
endotoxins.

Our  ultrafilters  use  proprietary  hollow  fiber  technology.  We  believe  the  hollow  fiber  design  allows  our  ultrafilters  to  optimize  the  three  elements

critical to filter performance:

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·
·

Filtration - as low as 0.005 microns
Flow rate - minimal disruption
Filter life - up to 12 months

We  were  founded  in  1997  by  healthcare  professionals  affiliated  with  Columbia  University  Medical  Center/New  York-Presbyterian  Hospital  to
develop  and  commercialize  an  alternative  method  to  hemodialysis  (HD).  We  have  extended  our  filtration  technologies  to  meet  the  demand  for  liquid
purification in other areas, in particular water purification.

Our Products

Presently, we offer ultrafilters for sale to customers in four markets:

o Dialysis Centers - Water/Bicarbonate: Filtration of water or bicarbonate concentrate used in hemodialysis devices

o Dialysis Centers - Blood: Clearance of toxins from blood using an alternative method to HD in patients with chronic renal failure

o Military and Outdoor Recreation: Highly compact, individual water purification devices used by soldiers to produce drinking water in the field

o Hospitals and Other Commercial Facilities: Filtration of water for drinking and washing

Our Target Markets

Dialysis Centers - Water/Bicarbonate. To perform hemodialysis, all dialysis clinics have dedicated water purification systems to produce water and
bicarbonate concentrate. Water and bicarbonate concentrate are essential ingredients for making dialysate, the liquid that removes waste material from the
blood. Within the U.S., there are approximately 5,700 clinics with 100,000 dialysis machines providing over 50 million dialysis treatments to 370,000 patients
annually.

Medicare is the main payer for dialysis treatment in the U.S. To be eligible for Medicare reimbursement, dialysis centers must meet the minimum
standards  for  water  and  bicarbonate  concentrate  quality  set  by  the  Association  for  the  Advancement  of  Medical  Instrumentation  (AAMI),  the  American
National  Standards  Institute  (ANSI)  and  the  International  Standards  Organization  (ISO).  We  anticipate  that  the  stricter  standards  approved  by  these
organizations in 2009 will be adopted by Medicare in the near future.

Published studies have shown that the use of ultrapure dialysate can make patients healthier and reduce their dependence on erythropoietin (EPO), an
expensive drug used in conjunction with HD. By reducing the level of dialysate contaminants, specifically cytokine-inducing substances that can pass into a
patient’s blood stream, cytokine levels within a patient stay low, thus reducing systemic inflammation. When inflammation is low, inflammatory morbidities
are reduced and a patient’s responsiveness to EPO is enhanced, consequently the overall need for the drug is reduced.

We believe that our ultrafilters are attractive to dialysis centers because they exceed currently approved and newly proposed standards for water and
bicarbonate concentrate purity, assist in achieving those standards and may help dialysis centers reduce costs associated with the amount of EPO required to
treat a patient. Our in-line filters are easily installed into the fluid circuits supplying water and bicarbonate concentrate just prior to entering each dialysis
machine.

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Dialysis Centers - Blood. The current standard of care in the U.S. for patients with chronic renal failure is HD, a process in which toxins are cleared
via diffusion. Patients typically receive HD treatment at least 3 times weekly for 3-4 hours per treatment. HD is most effective in removing smaller, easily
diffusible toxins. For patients with acute renal failure, the current standard of care in the U.S. is hemofiltration (HF), a process where toxins are cleared via
convection. HF offers a much better removal of larger sized toxins when compared to HD. However, HF treatment is performed on a daily basis, and typically
takes 12-24 hours.

Hemodiafiltration (HDF) is an alternative dialysis modality that combines the benefits of HD and HF into a single therapy by clearing toxins using
both  diffusion  and  convection.  Though  not  widely  used  in  the  U.S.,  HDF  is  much  more  prevalent  in  Europe  and  is  performed  in  approximately  16%  of
patients. Clinical experience and literature show the following multiple clinical and patient benefits of HDF:

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Enhanced clearance of middle and large molecular weight toxins
Improved survival - up to a 35% reduction in mortality risk
Reduction in the occurrence of dialysis-related amyloidosis
Reduction in inflammation
Reduction in medication such as EPO and phosphate binders
Improved patient quality of life
Reduction in number of hospitalizations and overall length of stay

However, like HF, HDF can be resource intensive and can require a significant amount of time to deliver one course of treatment.

We have developed a modified approach to HDF which is more patient-friendly, less resource-intensive, and can be used in conjunction with current
HD machines. We refer to our approach as an online mid-dilution hemodiafiltration (mid-HDF) system and it consists of our OLpūr H2H Module and OLpūr
MD 220 Hemodiafilter. The OLpūr H2H HDF Module and OLpūr MD 220 Hemodiafilter is cleared by the U.S. Food and Drug Administration (FDA) to
market for use with a UF controlled hemodialysis machine that provides ultrapure dialysate in accordance with current ANSI/AAMI/ISO standards, for the
treatment of patients with chronic renal failure in the United States. Our on-line mid-dilution HDF system is the only on-line mid-dilution HDF system of its
kind to be cleared by the FDA to date.

We have completed preparation of our OLpūr H2H HDF Modules and have manufactured initial lots of our OLpūr MD220 Hemodiafilters, H2H
Substitution filters and H2H water filters. We have finalized our service contract and are in the process of finalizing site selection in anticipation of market
release.  We have experienced delays with the approval process at our initial placement site in the U.S. but expect to place our on-line mid-dilution HDF
system in a U.S. dialysis clinic in the second quarter of 2014. We have not begun to broadly market our on-line mid-dilution HDF system and are actively
seeking a commercialization partner in the U.S.

Military and Outdoor Recreation. The military is heavily reliant on the use of bottled water to support its soldiers in the field. Bottled water is not
always available, is very costly to move, resource intensive, and prone to constant supply disruptions. Soldiers conducting operations in isolated and rugged
terrain must be able to use available local water sources when unable to resupply from bulk drinking water sources or bottled water. Therefore, the soldier
needs  the  capability  to  purify  water  from  indigenous  water  sources  in  the  absence  of  available  potable  water.  Soldiers  must  have  the  ability  to  remove
microbiological contaminants in the water to Environmental Protection Agency specified levels.

We offer our individual water purification device (IWPD), which allows a soldier in the field to derive biologically safe water from any fresh water
source. Our IWPD is available in both in-line and point-of-use configurations. Our IWPD is one of the few portable filters that has been validated by the
military to meet the NSF Protocol P248 standard. It has also been approved by U.S. Army Public Health Command (USAPHC) and U.S. Army Test and
Evaluation Command (ATEC) for deployment. To date, we have received purchase orders for approximately 2,000 IWPDs from individual units of the U.S.
armed forces.

In response to a Special Notice Announcement from the U.S. Army, Nephros submitted its (IWPD) containing the Nephros proprietary ultrafilter
technology  for  consideration  as  part  of  a  standard  issue  personal  hydration  pack  for  soldiers  in  the  field.  Nephros  has  been  informed  by  the  Military
Government  Review  Agency  that  its  IWPD  has  been  validated  to  meet  the  military’s  NSF  P248  standard  as  a  microbiological  water  treatment  device  for
military operations.  In February 2013, Nephros submitted its response to a U.S. Army request for proposal (RFP) relating to IWPDs. In March 2013, we
received  notification  from  the  U.S.  Army  that  the  Government  has  completed  the  initial  evaluation  of  our  proposal  and  found  Nephros  to  be  within  the
competitive range to commence negotiations. We also received a request for 180 of our IWPDs to be used as test assets during the Limited User Evaluation
(LUE) phase of the source selection.   As of March 2014, we have confirmed with the U.S. Army that the RFP LUE period was still ongoing.  The U.S. Army
may award several, one or no contracts as a result of this solicitation. The maximum quantity of all contracts combined is not to exceed 450,000 units or
$45,000,000 over a 3 year period.

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In addition to the RFP, we continue to make our IWPD available to the U.S. military.  During  2013,  we  signed  distributor  agreements  with  W.S.

Darley & Company, Source One Distribution Inc. and Atlantic Diving Supply, Inc.  The UF40L and 30L recently were listed on the Darley website.

In September 2013, we were awarded the contract for 30 UF-40L units in response to RFI Solicitation Number: M67854-13-I-7310 from the U.S.

Marine Corp Warfighting Laboratory. We are currently waiting for final feedback from this testing.

Hospitals  and  Other  Commercial  Facilities.    In  October  2013,  We  announced  the  voluntary  recalls  of  our  point  of  use  (POU)  and  DSU  in-line
ultrafilters used in hospital water treatment applications. As a result, we recalled all production lots of our POU filters, and also requested that customers
remove  and  discard  certain  labeling/promotional  materials  for  the  products.  In  addition,  we  also  requested,  for  the  DSU  in-line  ultrafilter,  that  customers
remove  and  discard  certain  labeling/promotional  materials  for  the  product.    These  voluntary  recalls  did  not  affect  our  dialysis  products.  We  are  working
towards a resolution of the issues raised by the FDA and we are unable to predict at this time what additional effect this recall might have on our business,
financial condition, future prospects or reputation or whether we may be subject to future actions from the FDA.

We  have  launched  our  new  NanoGuard-D  and  NanoGuard-S  in-line  ultrafilters  for  the  filtration  of  water  which  is  to  be  used  for  drinking  and
washing.    The  NanoGuard-D  and  NanoGuard-S  trap  particulates  greater  than  5nm  in  size  and  the  water  permeability  (the  ease  at  which  water  can  pass
through a membrane at a given pressure) of the membrane is higher than membranes with a similar pore size.  This provides improved flow performance
relative to the physical size of the filter.  We anticipate that the filters will be used as a component of a facility water treatment system and also for filtering
water to be used in ice machines.

We were incorporated under the laws of the State of Delaware in April 1997. Our principal executive offices are located at 41 Grand Avenue, River
Edge,  New  Jersey,  07661,  and  our  telephone  number  is  (201)  343-5202.  We  also  have  an  office  in  Dublin,  Ireland.  For  more  information  about  Nephros,
please visit our website at www.nephros.com.

Going Concern

The accompanying financial statements have been prepared assuming that we will continue as a going concern. Our recurring losses and difficulty in
generating sufficient cash flow to meet our obligations and sustain our operations raise substantial doubt about our ability to continue as a going concern. Our
consolidated financial statements do not include any adjustments that might result from the outcome of this uncertainty.

We have incurred significant losses in operations in each quarter since inception. For the years ended December 31, 2013 and 2012, we incurred net
losses of $3,698,000 and $3,262,000, respectively. In addition, we have not generated positive cash flow from operations for the years ended December 31,
2013 and 2012. To become profitable, we must increase revenue substantially and achieve and maintain positive gross and operating margins. If we are not
able  to  increase  revenue  and  gross  and  operating  margins  sufficiently  to  achieve  profitability,  our  results  of  operations  and  financial  condition  will  be
materially and adversely affected.

There  can  be  no  assurance  that  our  future  cash  flow  will  be  sufficient  to  meet  our  obligations  and  commitments.  If  we  are  unable  to  generate
sufficient cash flow from operations in the future to service our commitments, we will be required to adopt alternatives, such as seeking to raise debt or equity
capital, curtailing its planned activities or ceasing its operations. There can be no assurance that any such actions could be effected on a timely basis or on
satisfactory terms or at all, or that these actions would enable us to continue to satisfy its capital requirements.

6

 
 
 
 
 
 
 
 
 
 
Recent Developments

On  February  19,  2014,  the  Company  entered  into  the  First  Amendment  to  License  Agreement  (the  “First  Amendment”),  by  and  between  the
Company and Bellco, which amends the License Agreement, entered into as of July 1, 2011 by and between the Company and Bellco.  Pursuant to the First
Amendment, the Company and Bellco agreed to extend the term of the License Agreement through December 31, 2021.  The First Amendment also expands
the territory covered by the License Agreement to include Sweden, Denmark, Norway, Finland, Korea, Mexico, Brazil, China and the Netherlands.  The First
Amendment further provides new minimum sales targets which, if not satisfied, will, at the discretion of the Company, result in conversion of the license to
non-exclusive status. The Company has agreed to reduce the fixed royalty payment payable to the Company for the period beginning on January 1, 2015
through and including December 31, 2021. Beginning on January 1, 2015 through and including December 31, 2016, Bellco will pay us a royalty based on
the  number  of  units  of  our  patented  mid-dilution  dialysis  filters  (MD190,  MD220)  sold  per  year  in  the  Territory  as  follows:  for  the  first  125,000  units
sold,    €1.75  per  unit;  thereafter,  €1.25  per  unit.    In  addition,  the  Company  will  receive  a  total  of  €450,000  in  upfront  fees  in  connection  with  the  First
Amendment, half of which were paid on February 19, 2014, and the other half of which are payable on March 31, 2014. In addition, the First Amendment
provides that, in the event that the Company pursues a transaction to sell, assign or transfer all right, title and interest to the licensed patents to a third party,
the Company will provide Bellco with written notice thereof and a right of first offer with respect to the contemplated transaction for a period of thirty (30)
days.

On  October  30,  2013,  we  initiated  a  voluntary  recall  of  our  point  of  use  (POU)  and  DSU  in-line  ultrafilters  used  in  hospital  water  treatment
applications.  We  initiated  the  voluntary  recall  of  these  POU  filters  because  the  FDA  informed  us  that  promotional  materials  for  these  non-medical  water
filtration products were determined to promote claims which constitute marketing the product as a medical device. In addition, we received reports from one
customer  of  high  bacterial  counts  that  may  be  associated  with  the  breakage  of  fiber  in  four  filters.  According  to  the  reports  received,  one  death  and  one
infection may have occurred due to the failure mode associated with this voluntary recall. Investigation into these reports is ongoing. Prior to receiving the
complaints mentioned previously, we received 29 additional complaints of high bacterial counts that may be associated with the breakage of filter fiber, since
we began marketing the products. We have had no reports of adverse events associated with these 29 complaints. We are recalling all production lots of these
POU filters, and are also requesting that customers remove and discard certain labeling/promotional materials for the products. We initiated the voluntary
recall of the DSU in-line ultrafilter because the FDA informed us that promotional materials for these non-medical water filtration products were determined
to  promote  claims  which  constitute  marketing  the  product  as  a  medical  device.  We  are  requesting  that  customers  remove  and  discard  certain
labeling/promotional  materials  for  the  product.    In  March  2014,  the  Company  requested  the  closeout  of  its  October  2013  voluntary  product  recall.    The
Company has fully reserved the recalled product and will destroy the respective product by April 20, 2014. 

Manufacturing and Suppliers

We do not, and do not intend to in the near future, manufacture any of our products and components. With regard to the OLpūr MD190 and MD220,
on June 27, 2011, we entered into a license agreement, effective July 1, 2011, as amended by the First Amendment, with Bellco S.r.l., an Italy-based supplier
of  hemodialysis  and  intensive  care  products,  for  the  manufacturing,  marketing  and  sale  of  our  patented  mid-dilution  dialysis  filters  (MD190,  MD220),
referred to herein as the Products. Under the agreement, as amended by the First Amendment, we granted Bellco a license to manufacture, market and sell the
Products under its own name, label and CE mark in Italy, France, Belgium, Spain, Canada, Denmark, Finland, Norway and Sweden on an exclusive basis, and
to do the same on a non-exclusive basis in the United Kingdom, Greece, Brazil, China, Korea, Mexico and the Netherlands and, upon our written approval,
other European countries where we do not sell the Products as well as non-European countries, all such countries herein referred to as the Territory.  

Sales and Marketing

Under the Bellco license agreement, as discussed above, we granted Bellco a license to manufacture, market and sell the Products under its own

name, label and CE mark in the Territory. In addition, if requested by us, Bellco will be required to sell the Products to our distributors in the Territory.

Our New Jersey office oversees global sales and marketing activity of our ultrafilter products. We are in discussions with several medical products
and  filtration  products  suppliers  to  act  as  non-exclusive  distributors  of  our  ultrafilter  products  to  medical  and  non-medical  institutions.  In  May  2012,  we
signed  a  non-exclusive  U.S.  distributor  agreement  with  Vantage.  In  July  2012,  we  signed  non-exclusive  U.S.  distributor  agreements  with  TQM  and
Ameriwater.  In  February  2013  we  signed  a  non-exclusive  North  American  distributor  agreement  with  Chem-aqua.     In  February  2014  we  signed  a  non-
exclusive North American distributor agreement with Mar Cor Purification. For each prospective market for our ultrafilter products, we are pursuing alliance
opportunities for joint product development and distribution. Our ultrafilter manufacturer in Europe shares certain intellectual property rights with us for one
of our Dual Stage Ultrafilter (DSU) designs.

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Research and Development

Our  research  and  development  efforts  continue  on  several  fronts  directly  related  to  our  current  product  lines.  We  are  also  working  on  additional

machine devices, next-generation user interface enhancements and other product enhancements.

We  were  awarded  research  contracts  from  the  Office  of  Naval  Research  (ONR)  for  development  of  a  potable  dual-stage  military  water  purifying
filter. The initial research contract was awarded in 2006 for approximately $1 million and work was completed in August 2009. The second research contract
was awarded in August 2009 and was an expansion of the 2006 ONR contract which is being performed as part of the Marine Corps Advanced Technology
Demonstration (ATD) project. The primary objective of this expanded research program is to select concepts and functional prototype filter/pump units which
were  developed  during  the  first  phase  of  the  project,  and  further  develop  them  into  smaller  field-testable  devices  that  can  be  used  for  military  evaluation
purposes. An advantage of our ultrafilter is the removal of viruses which are not removed with commercially available off-the-shelf microfilter devices. Such
devices generally rely on a secondary chemical disinfection step to make the water safe to drink. The expanded contract also includes research geared toward
improving  membrane  performance,  improving  device  durability,  developing  larger  squad-level  water  purifier  devices,  and  investigating  desalination
filter/pump devices for emergency-use purposes.

Approximately $317,000 was been billed to the projects during the year ended December 31, 2012.  Approximately $2,700,000 of revenue has been

recognized on both research contracts.  The second research contract project ended in March 2012.

In March 2010, we entered into a development agreement with STERIS Corporation to jointly develop filtration-based products for medical device
applications. We received an initial payment upon entering into the agreement of $40,000 and were eligible to receive additional payments upon successful
completion  of  product  development  milestones.  During  2010,  we  completed  the  initial  milestone  under  the  joint  collaboration  agreement  with  STERIS
Corporation  and  further  milestones  under  the  agreement  during  the  first  three  quarters  of  2011.  Completion  of  these  milestones  resulted  in  aggregate
payments to us of $100,000 during 2010, of which approximately $67,000 was recognized in 2010 and approximately $33,000 was recognized in 2011. In the
fourth quarter of 2013, this development agreement was terminated and, in exchange, STERIS paid us $15,000. 

Major Customers

For the years ended December 31, 2013 and 2012, three customers accounted for 86% and 68%, respectively, of the Company’s sales.  In addition,

as of December 31, 2013 and 2012, those three customers accounted for 97% and 88%, respectively, of the Company’s accounts receivable.

Competition

With  respect  to  the  water  filtration  market,  we  expect  to  compete  with  companies  that  are  well  entrenched  in  the  water  filtration  domain.  These
companies include Pall Corporation, which manufactures end-point water filtration systems, as well as 3M and Siemens. Our methods of competition in the
water filtration domain include:

·

·

·

·

developing and marketing products that are designed to meet critical and specific customer needs more effectively than competitive
devices;

offering unique attributes that illustrate our product reliability, “user-friendliness,” and performance capabilities;

selling products to specific customer groups where our unique product attributes are mission-critical; and

pursuing alliance opportunities for joint product development and distribution.

The dialyzer and renal replacement therapy market is subject to intense competition. Accordingly, our future success will depend on our ability to

meet the clinical needs of physicians and nephrologists, improve patient outcomes and remain cost-effective for payers.

We  compete  with  other  suppliers  of  ESRD  therapies,  supplies  and  services.  These  suppliers  include  Fresenius  Medical  Care  AG,  and  Baxter,

currently two of the primary machine manufacturers in hemodialysis. At present, Fresenius Medical Care AG and Baxter also manufacture HDF machines.

The  markets  in  which  we  sell  our  dialysis  products  are  highly  competitive.  Our  competitors  in  the  sale  of  hemodialysis  products  include  Baxter
International Inc., Fresenius Medical Care AG, Asahi Kasei Medical Co. Ltd., B. Braun Melsungen AG, Nipro Medical Corporation Ltd., Nikkiso Co., Ltd.,
Terumo Medical Corporation and Toray Medical Co., Ltd.

Other competitive considerations include pharmacological and technological advances in preventing the progression of ESRD in high-risk patients
such as those with diabetes and hypertension, technological developments by others in the area of dialysis, the development of new medications designed to
reduce the incidence of kidney transplant rejection and progress in using kidneys harvested from genetically-engineered animals as a source of transplants.

8

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
We are not aware of any other companies using technology similar to ours in the treatment of ESRD. Our competition would increase, however, if
companies that currently sell ESRD products, or new companies that enter the market, develop technology that is more efficient than ours. We believe that in
order to become competitive in this market, we will need to develop and maintain competitive products and take and hold sufficient market share from our
competitors. Therefore, we expect our methods of competing in the ESRD marketplace to include:

•

•

•

•

•

continuing our efforts to develop, have manufactured and sell products which, when compared to existing products, perform more
efficiently and are available at prices that are acceptable to the market;

displaying our products and providing associated literature at major industry trade shows in the United States;

initiating discussions with dialysis clinic medical directors, as well as representatives of dialysis clinical chains, to develop interest
in our products; 

pursuing alliance opportunities in certain territories for distribution of our products and possible alternative manufacturing facilities;
and

entering into license agreements similar to the Bellco S.r.l. agreement to expand market share.

Intellectual Property

Patents

We protect our technology and products through patents and patent applications. In addition to the United States, we also applied for patents in other
jurisdictions, such as the European Patent Office, Canada and Japan, to the extent we deem appropriate. We have built a portfolio of patents and applications
covering our products, including their hardware design and methods of hemodiafiltration.

We believe that our patent strategy will provide a competitive advantage in our target markets, but our patents may not be broad enough to cover our
competitors’ products and may be subject to invalidation claims. Our U.S. patents for the “Method and Apparatus for Efficient Hemodiafiltration” and for the
“Dual-Stage Filtration Cartridge,” have claims that cover the OLpur MDHDF filter series and the method of hemodiafiltration employed in the operation of
the  products.  Technological  developments  in  ESRD  therapy  could  reduce  the  value  of  our  intellectual  property.  Any  such  reduction  could  be  rapid  and
unanticipated. We have issued patents on our water filtration products and applications in process to cover various applications in residential, commercial, and
remote environments.

As  of  December  31,  2013,  we  have  eighteen  issued  U.S.  patents,  one  issued  Eurasian  patent,  seven  Mexican  patents,  four  South  Korean  patents,
three Russian patents, six Chinese patents, nine French patents, nine German patents, five Israeli patents, seven Italian patents, three Spanish patents, nine
United Kingdom patents, fourteen Japanese patents, three Hong Kong patents, nine Canadian patents, one Australian patent, two patents in Brazil, one patent
in Sweden and one patent in Netherlands. Our issued U.S. patents expire between 2018 and 2027. In addition, we have three pending U.S. patent applications,
four pending patent applications in Canada, five pending patent applications in the European Patent Office, two pending patent applications in Brazil, one
pending patent application in China, four pending patent applications in Israel, two pending patent applications in India and one pending patent application in
South Korea. Our pending patent applications relate to a range of dialysis technologies, including cartridge configurations, cartridge assembly, substitution
fluid systems, and methods to enhance toxin removal.

Trademarks

As of December 31, 2013, we secured registrations of the trademarks CENTRAPUR, H2H, OLpur and the Arrows Logo in the European Union.
Applications for these trademarks are pending registration in the United States. We also have applications for registration of a number of other marks pending
in the United States Patent and Trademark Office.

Governmental Regulation

The research and development, manufacturing, promotion, marketing and distribution of our ESRD therapy products in the United States, Europe
and  other  regions  of  the  world  are  subject  to  regulation  by  numerous  governmental  authorities,  including  the  FDA,  the  European  Union  and  analogous
agencies.

9

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
United States

The  FDA  regulates  the  manufacture  and  distribution  of  medical  devices  in  the  United  States  pursuant  to  the  FDC  Act.  All  of  our  ESRD  therapy
products are regulated in the United States as medical devices by the FDA under the FDC Act. Under the FDC Act, medical devices are classified in one of
three classes, namely Class I, II or III, on the basis of the controls deemed necessary by the FDA to reasonably ensure their safety and effectiveness.

•          Class I devices are medical devices for which general controls are deemed sufficient to ensure their safety and effectiveness. General controls
include provisions related to (1) labeling, (2) producer registration, (3) defect notification, (4) records and reports and (5) quality service requirements, or
QSR.

•          Class II devices are medical devices for which the general controls for the Class I devices are deemed not sufficient to ensure their safety and
effectiveness  and  require  special  controls  in  addition  to  the  general  controls.  Special  controls  include  provisions  related  to  (1)  performance  and  design
standards, (2) post-market surveillance, (3) patient registries and (4) the use of FDA guidelines.

•          Class III devices are the most regulated medical devices and are generally limited to devices that support or sustain human life or are of
substantial importance in preventing impairment of human health or present a potential, unreasonable risk of illness or injury. Pre-market approval by the
FDA is the required process of scientific review to ensure the safety and effectiveness of Class III devices.

Before a new medical device can be introduced to the market, FDA clearance of a pre-market notification under Section 510(k) of the FDC Act or
FDA  clearance  of  a  pre-market  approval,  or  PMA,  application  under  Section  515  of  the  FDC  Act  must  be  obtained.  A  Section  510(k)  clearance  will  be
granted if the submitted information establishes that the proposed device is “substantially equivalent” to a legally marketed Class I or Class II medical device
or  to  a  Class  III  medical  device  for  which  the  FDA  has  not  called  for  pre-market  approval  under  Section  515.  The  Section  510(k)  pre-market  clearance
process is generally faster and simpler than the Section 515 pre-market approval process.

For any devices cleared through the Section 510(k) process, modifications or enhancements that could significantly affect the safety or effectiveness
of  the  device  or  that  constitute  a  major  change  to  the  intended  use  of  the  device  will  require  a  new  Section  510(k)  pre-market  notification  submission.
Accordingly, if we do obtain Section 510(k) pre-market clearance for any of our ESRD therapy and DSU products, we will need to submit another Section
510(k) pre-market notification if we significantly affect that product’s safety or effectiveness through subsequent modifications or enhancements.

On July 1, 2009, we received FDA clearance of the DSU to be used to filter biological contaminants from water and bicarbonate concentrate used in

hemodialysis procedures.

On  June  30,  2010,  we  received  a  final  decision  letter  from  the  FDA  for  our  510(k)  submission  which  stated  that  the  FDA  could  not  reach  a
substantial equivalence determination for our hemodiafiltration (HDF) system. On August 11, 2011, Nephros filed a new 510(k) application with the FDA for
clearance of the Company’s hemodiafiltration (HDF) system for end-stage renal disease. On April 30, 2012, the Company announced that it received 510(k)
clearance  from  the  FDA  to  market  the  OLpūr  H2H  Module  and  OLpūr  MD  220  Hemodiafilter  for  use  with  a  UF  controlled  hemodialysis  machine  that
provides  ultrapure  dialysate  in  accordance  with  current  ANSI/AAMI/ISO  standards,  for  the  treatment  of  patients  with  chronic  renal  failure  in  the  United
States.

The  FDC  Act  requires  that  medical  devices  be  manufactured  in  accordance  with  the  FDA’s  current  QSR  regulations  which  require,  among  other

things, that:

•
•

•
•
•

the design and manufacturing processes be regulated and controlled by the use of written procedures;
the ability to produce medical devices which meet the manufacturer’s specifications be validated by extensive and detailed testing of every
aspect of the process;
any deficiencies in the manufacturing process or in the products produced be investigated;
detailed records be kept and a corrective and preventative action plan be in place; and
manufacturing facilities be subject to FDA inspection on a periodic basis to monitor compliance with QSR regulations.

If violations of the applicable QSR regulations are noted during FDA inspections of our manufacturing facilities or the manufacturing facilities of

our contract manufacturers, there may be a material adverse effect on our ability to produce and sell our products.

In addition to the requirements described above, the FDC Act requires that:

•

all medical device manufacturers and distributors register with the FDA annually and provide the FDA with a list of those medical devices
which they distribute commercially;

10

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
•

•

information be provided to the FDA on death or serious injuries alleged to have been associated with the use of the products, as well as
product malfunctions that would likely cause or contribute to death or serious injury if the malfunction were to recur; and
certain medical devices not cleared with the FDA for marketing in the United States meet specific requirements before they are exported.

European Union

The European Union began to harmonize national regulations comprehensively for the control of medical devices in member nations in 1993, when
it  adopted  its  Medical  Devices  Directive  93/42/EEC.  The  European  Union  directive  applies  to  both  the  manufacturer’s  quality  assurance  system  and  the
product’s technical design and discusses the various ways to obtain approval of a device (dependent on device classification), how to properly CE Mark a
device and how to place a device on the market.

The regulatory approach necessary to demonstrate to the European Union that the organization has the ability to provide medical devices and related
services that consistently meet customer requirements and regulatory requirements applicable to medical devices requires the certification of a full quality
management system by a notified body. Initially, we engaged TÜV Rheinland of North America, Inc. (“TÜV Rheinland”) as the notified body to assist us in
obtaining  certification  to  the  International  Organization  for  Standardization,  or  ISO,  13485/2003  standard,  which  demonstrates  the  presence  of  a  quality
management system that can be used by an organization for design and development, production, installation and servicing of medical devices and the design,
development and provision of related services.

European Union requirements for products are set forth in harmonized European Union standards and include conformity to safety requirements,
physical  and  biological  properties,  construction  and  environmental  properties,  and  information  supplied  by  the  manufacturer.  A  company  demonstrates
conformity to these requirements, with respect to a product, by pre-clinical tests, biocompatibility tests, qualification of products and packaging, risk analysis
and well-conducted clinical investigations approved by ethics committees.

Once a manufacturer’s full quality management system is determined to be in compliance with ISO 13485/2003 and other statutory requirements,
and  the  manufacturer’s  products  conform  to  harmonized  European  standards,  the  notified  body  will  recommend  and  document  such  conformity.  The
manufacturer  will  receive  a  CE  marking  and  ISO  certifications,  and  then  may  place  a  CE  mark  on  the  relevant  products.  The  CE  mark,  which  stands  for
Conformité Européenne, demonstrates compliance with the relevant European Union requirements. Products subject to these provisions that do not bear the
CE mark cannot be imported to, or sold or distributed within, the European Union.

In July 2003, we received a certification from TÜV Rheinland that our quality management system conforms to the requirements of the European
Community.  At  the  same  time,  TÜV  Rheinland  approved  our  use  of  the  CE  marking  with  respect  to  the  design  and  production  of  high  permeability
hemodialyzer products for ESRD therapy. In April 2010, we changed our notified body from TÜV Rheinland to BSI America, Inc. and expanded our scope to
include design and development and production of water filters.

Under the Bellco license agreement, as discussed above, we granted Bellco a license to manufacture, market and sell the Products under its own

name, label and CE mark in the Territory. In addition, if requested by us, Bellco will be required to sell the Products to our distributors in the Territory.

Regulatory Authorities in Regions Outside of the United States and the European Union

We  also  plan  to  sell  our  ESRD  therapy  products  in  foreign  markets  outside  the  United  States  which  are  not  part  of  the  European  Union.
Requirements pertaining to medical devices vary widely from country to country, ranging from no health regulations to detailed submissions such as those
required by the FDA. We believe the extent and complexity of regulations for medical devices such as those produced by us are increasing worldwide. We
anticipate that this trend will continue and that the cost and time required to obtain approval to market in any given country will increase, with no assurance
that such approval will be obtained. Our ability to export into other countries may require compliance with ISO 13485, which is analogous to compliance with
the  FDA’s  QSR  requirements.  In  November  2007  and  May  2011,  the  Therapeutic  Products  Directorate  of  Health  Canada,  the  Canadian  health  regulatory
agency, approved our OLpur MD220 Hemodiafilter and our DSU, respectively, for marketing in Canada. Other than the CE marking and Canadian approval
of our OLpur MD220 Hemodiafilter and DSU products, we have not obtained any regulatory approvals to sell any of our products and there is no assurance
that any such clearance or certification will be issued.

Reimbursement

In both domestic markets and markets outside of the United States, sales of our ESRD therapy products will depend in part, on the availability of
reimbursement from third-party payers. In the United States, ESRD providers are reimbursed through Medicare, Medicaid and private insurers. In countries
other than the United States, ESRD providers are also reimbursed through governmental and private insurers. In countries other than the United States, the
pricing and profitability of our products generally will be subject to government controls. Despite the continually expanding influence of the European Union,
national  healthcare  systems  in  its  member  nations,  including  reimbursement  decision-making,  are  neither  regulated  nor  integrated  at  the  European  Union
level. Each country has its own system, often closely protected by its corresponding national government.

11

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Product Liability and Insurance

The  production,  marketing  and  sale  of  our  products  have  an  inherent  risk  of  liability  in  the  event  of  product  failure  or  claim  of  harm  caused  by
product operation. We have acquired product liability insurance for our products in the amount of $2 million. A successful claim in excess of our insurance
coverage  could  materially  deplete  our  assets.  Moreover,  any  claim  against  us  could  generate  negative  publicity,  which  could  decrease  the  demand  for  our
products, our ability to generate revenues and our profitability.

Some  of  our  existing  and  potential  agreements  with  manufacturers  of  our  products  and  components  of  our  products  do  or  may  require  us  (1)  to
obtain product liability insurance or (2) to indemnify manufacturers against liabilities resulting from the sale of our products. If we are not able to maintain
adequate product liability insurance, we will be in breach of these agreements, which could materially adversely affect our ability to produce our products.
Even if we are able to obtain and maintain product liability insurance, if a successful claim in excess of our insurance coverage is made, then we may have to
indemnify some or all of our manufacturers for their losses, which could materially deplete our assets.

Employees

As of December 31, 2013, we employed a total of 8 employees, 7 of whom were full time and 1 who is employed on a part-time basis. We also have
engaged 2 consultants on an ongoing basis. Of the 10 total employees and consultants, 3 are employed in a sales/marketing/customer support capacity, 3 in
general and administrative and 4 in research and development.

Available Information

We  make  available  free  of  charge  on  our  website  (http://www.nephros.com)  our  annual  report  on  Form  10-K,  quarterly  reports  on  Form  10-Q,
current  reports  on  Form  8-K,  and  all  amendments  to  those  reports,  as  soon  as  reasonably  practicable  after  such  material  is  electronically  filed  with  or
furnished to the SEC. We provide electronic or paper copies of filings free of charge upon request. The public may read and copy any  materials filed with the
SEC at the SEC’s Public Reference Room at 100 F Street N.E. Washington, D.C. 20549. The public may obtain information on the operation of the Public
Reference Room by calling the SEC at 1800-SEC-0330. The SEC maintains an Internet site that contains reports, proxy and information statements and other
information regarding issuers that file with the SEC at http://www.sec.gov.

12

 
 
 
 
 
 
 
 
 
Item 1A. Risk Factors

Risks Related to Our Company

Our independent registered public accounting firm, in its audit report related to our financial statements for the fiscal year ended December 31, 2013,
expressed substantial doubt about our ability to continue as a going concern.

Our independent registered public accounting firm has included an explanatory paragraph in its report on our financial statements included in this
Annual Report on Form 10-K for the year ended December 31, 2013 expressing doubt as to our ability to continue as a going concern. The accompanying
financial statements have been prepared assuming that we will continue as a going concern. However, there can be no assurance that we will be able to do so.
Our  recurring  losses  and  difficulty  in  generating  sufficient  cash  flow  to  meet  our  obligations  and  sustain  our  operations  raise  substantial  doubt  about  our
ability to continue as a going concern, and our consolidated financial statements do not include any adjustments that might result from the outcome of this
uncertainty. Based on our current cash flow projections, we will need to raise additional funds through either the licensing or sale of our technologies or the
additional public or private offerings of our securities. However, there is no guarantee that we will be able to obtain further financing, or do so on reasonable
terms. If we are unable to raise additional funds on a timely basis, or at all, we would be materially adversely affected.

We have a history of operating losses and a significant accumulated deficit, and we may not achieve or maintain profitability in the future.

We have not been profitable since our inception in 1997. As of December 31, 2013, we had an accumulated deficit of approximately $101,228,000,
primarily as a result of historical operating losses. We expect to continue to incur additional losses for the foreseeable future as a result of a high level of
operating expenses, significant up-front expenditures, including the cost of clinical trials, production and marketing activities and very limited revenue from
the sale of our products. We began sales of our first product in March 2004, and we may never realize sufficient revenues from the sale of our products or be
profitable. Each of the following factors, among others, may influence the timing and extent of our profitability, if any:

·

·

·

·

the market acceptance of our technologies and products in each of our target markets;

our ability to effectively and efficiently manufacture, market and distribute our products;

our ability to sell our products at competitive prices which exceed our per unit costs; and

our ability to continue to develop products and maintain a competitive advantage in our industry.

If we violate any provisions of the FDC Act or any other statutes or regulations, then we could be subject to enforcement actions by the FDA or other
governmental agencies.

We face a significant compliance burden under the FDC Act and other applicable statutes and regulations which govern the testing, labeling, storage,

record keeping, distribution, sale, marketing, advertising and promotion of our medically approved products.

On  October  30,  2013,  we  initiated  a  voluntary  recall  of  our  point  of  use  (POU)  and  DSU  in-line  ultrafilters  used  in  hospital  water  treatment
applications.  We  initiated  the  voluntary  recall  of  these  POU  filters  because  the  FDA  informed  us  that  promotional  materials  for  these  non-medical  water
filtration products were determined to promote claims which constitute marketing the product as a medical device. In addition, we received reports from one
customer  of  high  bacterial  counts  that  may  be  associated  with  the  breakage  of  fiber  in  four  filters.  According  to  the  reports  received,  one  death  and  one
infection may have occurred due to the failure mode associated with this voluntary recall. Investigation into these reports is ongoing. Prior to receiving the
complaints mentioned previously, we received 29 additional complaints of high bacterial counts that may be associated with the breakage of filter fiber, since
we began marketing the products. We have had no reports of adverse events associated with these 29 complaints. We are recalling all production lots of these
POU filters, and are also requesting that customers remove and discard certain labeling/promotional materials for the products. We initiated the voluntary
recall of the DSU in-line ultrafilter because the FDA informed us that promotional materials for these non-medical water filtration products were determined
to  promote  claims  which  constitute  marketing  the  product  as  a  medical  device.  We  are  requesting  that  customers  remove  and  discard  certain
labeling/promotional materials for the product.

13

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
If we violate the FDC Act or other regulatory requirements (either with respect to our POU or DSU ultrafilters or otherwise) at any time during or

after the product development and/or approval process, we could be subject to enforcement actions by the FDA or other agencies, including:

·
·
·
·
·
·
·
·
·

fines;
injunctions;
civil penalties;
recalls or seizures of products;
total or partial suspension of the production of our products;
withdrawal of any existing approvals or pre-market clearances of our products;
refusal to approve or clear new applications or notices relating to our products;
recommendations that we not be allowed to enter into government contracts; and
criminal prosecution.

Any of the above could have a material adverse effect on our business, financial condition and results of operations.

We cannot assure you that our products will be safe or that there will not be product-related deaths, serious injuries or product malfunctions. Further, we
are required under applicable law to report any circumstances relating to our medically approved products that could result in deaths or serious injuries.
These circumstances could trigger recalls, class action lawsuits and other events that could cause us to incur expenses and may also limit our ability to
generate revenues from such products.

We cannot assure you that our products will be safe or that there will not be product-related deaths or serious injuries or product malfunctions, which
could  trigger  recalls,  class  action  lawsuits  and  other  events  that  could  cause  us  to  incur  significant  expenses,  limit  our  ability  to  market  our  products  and
generate revenues from such products or cause us reputational harm.

In particular, the voluntary recalls of the POU and DSU in-line ultrafilters used in hospital water treatment applications announced on October 30,
2013 and the related circumstances could subject us to claims or proceedings by consumers, the FDA or other regulatory authorities which may adversely
impact our sales and revenues.

Under the Food, Drug and Cosmetic Act (FDC Act), we are required to submit medical device reports, or MDRs, to the FDA to report device-related
deaths, serious injuries and malfunctions of medically approved products that could result in death or serious injury if they were to recur. Depending on their
significance, MDRs could trigger events that could cause us to incur expenses and may also limit our ability to generate revenues from such products, such as
the following:

 ·
 ·
 ·

information contained in the MDRs could trigger FDA regulatory actions such as inspections, recalls and patient/physician notifications;
because the reports are publicly available, MDRs could become the basis for private lawsuits, including class actions; and
if we fail to submit a required MDR to the FDA, the FDA could take enforcement action against us.

If any of these events occur, then we could incur significant expenses and it could become more difficult for us to market and sell our products and to
generate revenues from sales. Other countries may impose analogous reporting requirements that could cause us to incur expenses and may also limit our
ability to generate revenues from sales of our products.

Product liability associated with the production, marketing and sale of our products, and/or the expense of defending against claims of product liability,
could materially deplete our assets and generate negative publicity which could impair our reputation.

The production, marketing and sale of kidney dialysis and water-filtration products have inherent risks of liability in the event of product failure or
claim  of  harm  caused  by  product  operation.  In  particular,  the  voluntary  recalls  of  the  POU  and  DSU  in-line  ultrafilters  used  in  hospital  water  treatment
applications  announced  on  October  30,  2013  and  the  related  circumstances  could  subject  us  to  claims  or  proceedings  by  consumers,  the  FDA  or  other
regulatory authorities which may adversely impact our sales and revenues. Furthermore, even meritless claims of product liability may be costly to defend
against. Although we have acquired product liability insurance for our products, we may not be able to maintain or obtain this insurance on acceptable terms
or at all. Because we may not be able to obtain insurance that provides us with adequate protection against all potential product liability claims, a successful
claim in excess of our insurance coverage could materially deplete our assets. Moreover, even if we are able to obtain adequate insurance, any claim against
us could generate negative publicity, which could impair our reputation and adversely affect the demand for our products, our ability to generate sales and our
profitability.

Some of the agreements that we may enter into with manufacturers of our products and components of our products may require us:

•              to obtain product liability insurance; or
•              to indemnify manufacturers against liabilities resulting from the sale of our products.

14

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
For  example,  the  agreement  with  our  contract  manufacturer,  or  CM,  requires  that  we  obtain  and  maintain  certain  minimum  product  liability
insurance coverage and that we indemnify our CM against certain liabilities arising out of our products that they manufacture, provided they do not arise out
of our CM’s breach of the agreement, negligence or willful misconduct. If we are not able to obtain and maintain adequate product liability insurance, then we
could be in breach of these agreements, which could materially adversely affect our ability to produce our products and generate revenues. Even if we are able
to obtain and maintain product liability insurance, if a successful claim in excess of our insurance coverage is made, then we may have to indemnify some or
all of our manufacturers for their losses, which could materially deplete our assets.

We face significant challenges in obtaining market acceptance of our products, which could adversely affect our potential sales and revenues.

Our products are new to the market, and we do not yet have an established market or customer base for our products. Acceptance of our products in
the marketplace by both potential users, including chronic renal failure patients, and potential purchasers, including nephrologists, dialysis clinics and other
health  care  providers,  is  uncertain,  and  our  failure  to  achieve  sufficient  market  acceptance  will  significantly  limit  our  ability  to  generate  revenue  and  be
profitable.  Market  acceptance  will  require  substantial  marketing  efforts  and  the  expenditure  of  significant  funds  by  us  to  inform  dialysis  patients  and
nephrologists,  dialysis  clinics  and  other  health  care  providers  of  the  benefits  of  using  our  products.  We  may  encounter  significant  clinical  and  market
resistance to our products and our products may never achieve market acceptance. We may not be able to build key relationships with physicians, clinical
groups and government agencies, pursue or increase sales opportunities in Europe or elsewhere, or be the first to introduce hemodiafiltration therapy in the
United States. Product orders may be cancelled, patients or customers currently using our products may cease to do so and patients or customers expected to
begin using our products may not. Factors that may affect our ability to achieve acceptance of our chronic renal failure therapy products in the marketplace
include whether:

·

·

·

·

·

·

such products will be safe for use;

such products will be effective;

such products will be cost-effective;

we will be able to demonstrate product safety, efficacy and cost-effectiveness;

there are unexpected side effects, complications or other safety issues associated with such products; and

government or third party reimbursement for the cost of such products is available at reasonable rates, if at all.

Acceptance of our water filtration products in the marketplace is also uncertain, and our failure to achieve sufficient market acceptance and sell such
products at competitive prices will limit our ability to generate revenue and be profitable. Our water filtration products and technologies may not achieve
expected reliability, performance and endurance standards. Our water filtration products and technology may not achieve market acceptance, including among
hospitals, or may not be deemed suitable for other commercial, military, industrial or retail applications.

Many of the same factors that may affect our ability to achieve acceptance of our chronic renal failure therapy products in the marketplace will also

apply to our water filtration products, except for those related to side effects, clinical trials and third party reimbursement.

15

 
 
 
 
 
 
 
 
 
 
 
 
 
If we are not able to successfully scale-up production of our products, then our sales and revenues will suffer.

In order to commercialize our products, we need to be able to produce them in a cost-effective way on a large scale to meet commercial demand,

while maintaining extremely high standards for quality and reliability. If we fail to successfully commercialize our products, then we will not be profitable.

We expect to rely on a limited number of independent manufacturers to produce our products. Our manufacturers’ systems and procedures may not
be adequate to support our operations and may not be able to achieve the rapid execution necessary to exploit the market for our products. Our manufacturers
could experience manufacturing and control problems as they begin to scale-up our future manufacturing operations, if any, and we may not be able to scale-
up  manufacturing  in  a  timely  manner  or  at  a  commercially  reasonable  cost  to  enable  production  in  sufficient  quantities.  If  we  experience  any  of  these
problems  with  respect  to  our  manufacturers’  initial  or  future  scale-ups  of  manufacturing  operations,  then  we  may  not  be  able  to  have  our  products
manufactured  and  delivered  in  a  timely  manner.  Our  products  are  new  and  evolving,  and  our  manufacturers  may  encounter  unforeseen  difficulties  in
manufacturing them in commercial quantities or at all.

If  we  cannot  develop  adequate  distribution,  customer  service  and  technical  support  networks,  then  we  may  not  be  able  to  market  and  distribute  our
products effectively and/or customers may decide not to order our products and, in either case, our sales and revenues will suffer.

Our strategy requires us to distribute our products and provide a significant amount of customer service and maintenance and other technical service.
To  provide  these  services,  we  have  begun,  and  will  need  to  continue,  to  develop  a  network  of  distribution  and  a  staff  of  employees  and  independent
contractors in each of the areas in which we intend to operate. We cannot assure that we will be able to organize and manage this network on a cost-effective
basis. If we cannot effectively organize and manage this network, then it may be difficult for us to distribute our products and to provide competitive service
and support to our customers, in which case customers may be unable, or decide not, to order our products and our sales and revenues will suffer.

We have limited experience selling our products to healthcare facilities, and we might be unsuccessful in increasing our sales.

Our business strategy depends in part on our ability to sell our products to hospitals and other healthcare facilities that include dialysis clinics. We
have limited experience with respect to sales and marketing. If we are unsuccessful at manufacturing, marketing and selling our products, our operations and
potential revenues will be materially adversely affected.

We cannot sell our products, including certain modifications thereto, until we obtain the requisite regulatory approvals and clearances in the countries in
which we intend to sell our products. If we fail to receive, or experience a significant delay in receiving, such approvals and clearances, then we may not
be able to get our products to market and enhance our revenues.

Our  business  strategy  depends  in  part  on  our  ability  to  get  our  products  into  the  market  as  quickly  as  possible.  We  have  obtained  a  Conformité
Européene,  or  CE,  mark,  which  demonstrates  compliance  with  the  relevant  European  Union  requirements  and  is  a  regulatory  prerequisite  for  selling  our
products in the European Union and certain other countries that recognize CE marking (collectively, “European Community”), for our OLpur mid dilution
hemodiafilter series product and our Dual Stage Ultrafilter (“DSU”). We have not yet obtained the CE mark for any of our other products. On April 30, 2012,
we announced that we received clearance from the FDA to market our OLpūr MD220 Hemodiafilter and OLpūr H2H Module for use with a hemodialysis
machine that provides ultrapure dialysate in accordance with current ANSI/AAMI/ISO standards, for the treatment of chronic renal failure patients. We have
not begun to broadly market these products and are actively seeking a commercialization partner in the U.S.

There  is  no  assurance  that  any  existing  products  that  have  not  yet  been  approved,  or  any  new  products  developed  by  us  in  the  future,  will  be
approved for marketing. The clearance and/or approval processes can be lengthy and uncertain and each requires substantial commitments of our financial
resources and our management’s time and effort. We may not be able to obtain further CE marking or regulatory approval for any of our existing or new
products  in  a  timely  manner  or  at  all.  Even  if  we  do  obtain  regulatory  approval,  approval  may  be  only  for  limited  uses  with  specific  classes  of  patients,
processes or other devices. Our failure to obtain, or delays in obtaining, the necessary regulatory clearance and/or approvals would prevent us from selling our
affected  products  in  the  applicable  regions.  If  we  cannot  sell  some  of  our  products  in  such  regions,  or  if  we  are  delayed  in  selling  while  waiting  for  the
necessary clearance and/or approvals, our ability to generate revenues from these products will be limited.

We intend to market our products globally. Requirements pertaining to the sale of our products vary widely from country to country. It may be very
expensive and difficult for us to meet the requirements for the sale of our products in many countries. As a result, we may not be able to obtain the required
approvals in a timely manner, if at all. If we cannot sell our products in a particular region, then the size of our potential market could be reduced, which
would limit our potential sales and revenues.

16

 
 
 
 
 
 
 
 
 
 
 
 
 
Clinical studies that may be required for our products are costly and time-consuming, and their outcome is uncertain.

Before obtaining regulatory approvals for the commercial sale of any of our products, other than those for which we have already received marketing

approval in the United States and elsewhere, we must demonstrate through clinical studies that our products are safe and effective.

For products other than those for which we have already received marketing approval, if we do not prove in clinical trials that our products are safe
and effective, we will not obtain marketing approvals from the applicable regulatory authorities. In particular, one or more of our products may not exhibit the
expected medical benefits, may cause harmful side effects, may not be effective in treating dialysis patients or may have other unexpected characteristics that
preclude regulatory approval for any or all indications of use or limit commercial use if approved. The length of time necessary to complete clinical trials
varies significantly and is difficult to predict. Factors that can cause delay or termination of our clinical trials include:

·

·

·

·

·

·

·

·

slower than expected patient enrollment due to the nature of the protocol, the proximity of subjects to clinical sites, the eligibility criteria for
the study, competition with clinical trials for similar devices or other factors;

lower than expected retention rates of subjects in a clinical trial;

inadequately trained or insufficient personnel at the study site to assist in overseeing and monitoring clinical trials;

delays in approvals from a study site’s review board, or other required approvals;

longer treatment time required to demonstrate effectiveness;

lack of sufficient supplies of the product;

adverse medical events or side effects in treated subjects; and

lack of effectiveness of the product being tested.

Even if we obtain positive results from clinical studies for our products, we may not achieve the same success in future studies of such products.
Data  obtained  from  clinical  studies  are  susceptible  to  varying  interpretations  that  could  delay,  limit  or  prevent  regulatory  approval.  In  addition,  we  may
encounter delays or rejections based upon changes in regulatory policy for device approval during the period of product development and regulatory review
of each submitted new device application. Moreover, regulatory approval may entail limitations on the indicated uses of the device. Failure to obtain requisite
governmental approvals or failure to obtain approvals of the scope requested will delay or preclude our licensees or marketing partners from marketing our
products or limit the commercial use of such products and will have a material adverse effect on our business, financial condition and results of operations.

In  addition,  some  or  all  of  the  clinical  trials  we  undertake  may  not  demonstrate  sufficient  safety  and  efficacy  to  obtain  the  requisite  regulatory
approvals,  which  could  prevent  or  delay  the  creation  of  marketable  products.  Our  product  development  costs  will  increase  if  we  have  delays  in  testing  or
approvals, if we need to perform more, larger or different clinical trials than planned or if our trials are not successful. Delays in our clinical trials may harm
our financial results and the commercial prospects for our products. Additionally, we may be unable to complete our clinical trials if we are unable to obtain
additional capital.

We may be required to design and conduct additional clinical trials.

We may be required to design and conduct additional clinical trials to further demonstrate the safety and efficacy of our products, which may result
in  significant  expense  and  delay.  Regulatory  agencies  may  require  new  or  additional  clinical  trials  because  of  inconclusive  results  from  current  or  earlier
clinical  trials,  a  possible  failure  to  conduct  clinical  trials  in  complete  adherence  to  certain  regulatory  standards,  the  identification  of  new  clinical  trial
endpoints, or the need for additional data regarding the safety or efficacy of our products. It is possible that regulatory authorities may not ultimately approve
our products for commercial sale in any jurisdiction, even if we believe future clinical results are positive.

Significant additional governmental regulation could subject us to unanticipated delays which would adversely affect our sales and revenues.

Our business strategy depends in part on our ability to get our products into the market as quickly as possible. Additional laws and regulations, or
changes to existing laws and regulations that are applicable to our business may be enacted or promulgated, and the interpretation, application or enforcement
of the existing laws and regulations may change. We cannot predict the nature of any future laws, regulations, interpretations, applications or enforcements or
the specific effects any of these might have on our business. Any future laws, regulations, interpretations, applications or enforcements could delay or prevent
regulatory  approval  or  clearance  of  our  products  and  our  ability  to  market  our  products.  Moreover,  changes  that  result  in  our  failure  to  comply  with  the
requirements of applicable laws and regulations could result in the types of enforcement actions by the FDA and/or other agencies as described above, all of
which could impair our ability to have manufactured and to sell the affected products.

17

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Protecting our intellectual property in our technology through patents may be costly and ineffective. If we are not able to adequately secure or enforce
protection of our intellectual property, then we may not be able to compete effectively and we may not be profitable.

Our  future  success  depends  in  part  on  our  ability  to  protect  the  intellectual  property  for  our  technology  through  patents.  We  will  only  be  able  to
protect our products and methods from unauthorized use by third parties to the extent that our products and methods are covered by valid and enforceable
patents or are effectively maintained as trade secrets. Our 18 granted U.S. patents will expire at various times from 2018 to 2027, assuming they are properly
maintained.

The protection provided by our patents, and patent applications if issued, may not be broad enough to prevent competitors from introducing similar
products  into  the  market.  Our  patents,  if  challenged  or  if  we  attempt  to  enforce  them,  may  not  necessarily  be  upheld  by  the  courts  of  any  jurisdiction.
Numerous  publications  may  have  been  disclosed  by,  and  numerous  patents  may  have  been  issued  to,  our  competitors  and  others  relating  to  methods  and
devices for dialysis of which we are not aware and additional patents relating to methods and devices for dialysis may be issued to our competitors and others
in the future. If any of those publications or patents conflict with our patent rights, or cover our products, then any or all of our patent applications could be
rejected and any or all of our granted patents could be invalidated, either of which could materially adversely affect our competitive position.

Litigation and other proceedings relating to patent matters, whether initiated by us or a third party, can be expensive and time-consuming, regardless
of whether the outcome is favorable to us, and may require the diversion of substantial financial, managerial and other resources. An adverse outcome could
subject us to significant liabilities to third parties or require us to cease any related development, product sales or commercialization activities. In addition, if
patents that contain dominating or conflicting claims have been or are subsequently issued to others and the claims of these patents are ultimately determined
to be valid, then we may be required to obtain licenses under patents of others in order to develop, manufacture, use, import and/or sell our products. We may
not be able to obtain licenses under any of these patents on terms acceptable to us, if at all. If we do not obtain these licenses, we could encounter delays in, or
be prevented entirely from using, importing, developing, manufacturing, offering or selling any products or practicing any methods, or delivering any services
requiring such licenses.

If we file patent applications or obtain patents in foreign countries, we will be subject to laws and procedures that differ from those in the United
States.  Such  differences  could  create  additional  uncertainty  about  the  level  and  extent  of  our  patent  protection.  Moreover,  patent  protection  in  foreign
countries  may  be  different  from  patent  protection  under  U.S.  laws  and  may  not  be  as  favorable  to  us.  Many  non-U.S.  jurisdictions,  for  example,  prohibit
patent claims covering methods of medical treatment of humans, although this prohibition may not include devices used for such treatment.

If we are not able to secure and enforce protection of our trade secrets through enforcement of our confidentiality and non-competition agreements, then
our competitors may gain access to our trade secrets, we may not be able to compete effectively and we may not be profitable. Such protection may be
costly and ineffective.

We attempt to protect our trade secrets, including the processes, concepts, ideas and documentation associated with our technologies, through the use
of  confidentiality  agreements  and  non-competition  agreements  with  our  current  employees  and  with  other  parties  to  whom  we  have  divulged  such  trade
secrets. If these employees or other parties breach our confidentiality agreements and non-competition agreements, or if these agreements are not sufficient to
protect our technology or are found to be unenforceable, then our competitors could acquire and use information that we consider to be our trade secrets and
we may not be able to compete effectively. Policing unauthorized use of our trade secrets is difficult and expensive, particularly because of the global nature
of our operations. The laws of other countries may not adequately protect our trade secrets.

If  we  are  not  able  to  maintain  sufficient  quality  controls,  then  the  approval  or  clearance  of  our  products  by  the  European  Union,  the  FDA  or  other
relevant authorities could be withdrawn, delayed or denied and our sales and revenues will suffer.

Approval or clearance of our products could be withdrawn, delayed or denied by the European Union, the FDA and the relevant authorities of other
countries  if  our  manufacturing  facilities  do  not  comply  with  their  respective  manufacturing  requirements.  The  European  Union  imposes  requirements  on
quality control systems of manufacturers, which are inspected and certified on a periodic basis and may be subject to additional unannounced inspections.
Failure by our manufacturers to comply with these requirements could prevent us from marketing our products in the European Community. The FDA also
imposes  requirements  through  quality  system  requirements,  or  QSR,  regulations,  which  include  requirements  for  good  manufacturing  practices,  or  GMP.
Failure by our manufacturers to comply with these requirements could prevent us from obtaining FDA approval of our products and from marketing such
products in the United States. Although the manufacturing facilities and processes that we use to manufacture our OLpur MDHDF filter series have been
inspected and certified by a worldwide testing and certification agency (also referred to as a notified body) that performs conformity assessments to European
Union requirements for medical devices, they have not been inspected by the FDA. A “notified body” is a group accredited and monitored by governmental
agencies that inspects manufacturing facilities and quality control systems at regular intervals and is authorized to carry out unannounced inspections. We
cannot be sure that any of the facilities or processes we use will comply or continue to comply with their respective requirements on a timely basis or at all,
which could delay or prevent our obtaining the approvals we need to market our products in the European Community and the United States.

18

 
 
 
 
 
 
 
 
 
 
 
To market our products in the European Community, the United States and other countries, where approved, manufacturers of such products must
continue to comply or ensure compliance with the relevant manufacturing requirements. Although we cannot control the manufacturers of our products, we
may need to expend time, resources and effort in product manufacturing and quality control to assist with their continued compliance with these requirements.
If violations of applicable requirements are noted during periodic inspections of the manufacturing facilities of our manufacturers, then we may not be able to
continue to market the products manufactured in such facilities and our revenues may be materially adversely affected.

We may face significant risks associated with international operations, which could have a material adverse effect on our business, financial condition
and results of operations.

We expect to manufacture and to market our products globally. Our international operations are subject to a number of risks, including the following:

·

·

·

·

·

·

fluctuations in exchange rates of the United States dollar could adversely affect our results of operations;

we may face difficulties in enforcing and collecting accounts receivable under some countries’ legal systems;

local regulations may restrict our ability to sell our products, have our products manufactured or conduct other operations;

political instability could disrupt our operations;

some governments and customers may have longer payment cycles, with resulting adverse effects on our cash flow; and

some countries could impose additional taxes or restrict the import of our products.

Any one or more of these factors could increase our costs, reduce our revenues, or disrupt our operations, which could have a material adverse effect

on our business, financial condition and results of operations.

Risks Related to Owning Our Common Stock

There currently is a limited trading market for our Common Stock.

Our Common Stock currently does not meet all of the requirements for initial listing on a registered stock exchange. Our Common Stock is quoted
on the OTCQB. Trading in our Common Stock on the OTCQB has been very limited. As a result, an investor may find it difficult to dispose of or to obtain
accurate quotations as to the market value of our Common Stock, and our Common Stock may be less attractive for margin loans, for investment by financial
institutions,  as  consideration  in  future  capital  raising  transactions  or  other  purposes.  There  is  no  guarantee  that  we  will  ever  become  listed  on  the  Nasdaq
Capital Market, or any other exchange, or that a liquid trading market for our Common Stock will develop.

Our Common Stock could be further diluted as a result of the issuance of additional shares of Common Stock, warrants or options.

In  the  past  we  have  issued  Common  Stock  and  warrants  in  order  to  raise  money.  We  have  also  issued  stock  options  and  restricted  stock  as
compensation for services and incentive compensation for our employees, directors and consultants. We have shares of Common Stock reserved for issuance
upon the exercise of certain of these securities and may increase the shares reserved for these purposes in the future. Our issuance of additional Common
Stock, convertible securities, options and warrants could affect the rights of our stockholders, could reduce the market price of our Common Stock or could
result in adjustments to exercise prices of outstanding warrants (resulting in these securities becoming exercisable for, as the case may be, a greater number of
shares of our Common Stock), or could obligate us to issue additional shares of Common Stock.

Market  sales  of  large  amounts  of  our  Common  Stock,  or  the  potential  for  those  sales  even  if  they  do  not  actually  occur,  may  have  the  effect  of
depressing the market price of our Common Stock, the supply of Common Stock available for resale could be increased which could stimulate trading activity
and  cause  the  market  price  of  our  Common  Stock  to  drop,  even  if  our  business  is  doing  well.  Furthermore,  the  issuance  of  any  additional  shares  of  our
Common Stock or securities convertible into our Common Stock could be substantially dilutive to holders of our Common Stock if they do not invest in
future offerings.

19

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The prices at which shares of the Common Stock trade have been and will likely continue to be volatile.

In the two years ended December 31, 2013, our Common Stock has traded at prices ranging from a high of $3.19 to a low of $0.31 per share. Due to
the lack of an active trading market for our Common Stock, you should expect the prices at which our Common Stock might trade to continue to be highly
volatile. The expected volatile price of our stock will make it difficult to predict the value of your investment, to sell your shares at a profit at any given time,
or to plan purchases and sales in advance. A variety of other factors might also affect the market price of our Common Stock. These include, but are not
limited to:

·
·
·
·
·
·
·
·
·
·
·

achievement or rejection of regulatory approvals by our competitors or us;
publicity regarding actual or potential clinical or regulatory results relating to products under development by our competitors or us;
delays or failures in initiating, completing or analyzing clinical trials or the unsatisfactory design or results of these trials;
announcements of technological innovations or new commercial products by our competitors or us;
developments concerning proprietary rights, including patents;
regulatory developments in the United States and foreign countries;
economic or other crises and other external factors;
period-to-period fluctuations in our results of operations;
threatened or actual litigation;
changes in financial estimates by securities analysts; and
sales of our Common Stock.

We are not able to control many of these factors, and we believe that period-to-period comparisons of our financial results will not necessarily be

indicative of our future performance.

In  addition,  the  stock  market  in  general,  and  the  market  for  biotechnology  companies  in  particular,  has  experienced  extreme  price  and  volume
fluctuations in recent years that might have been unrelated or disproportionate to the operating performance of individual companies. These broad market and
industry factors might seriously harm the market price of our Common Stock, regardless of our operating performance. Securities class action litigation has
often been instituted against companies following periods of volatility in the overall market and in the market price of a company’s securities. This litigation,
if instituted against us, could result in very substantial costs, divert our management’s attention and resources and harm our business, operating results and
financial condition.

We have never paid dividends and do not intend to pay cash dividends.

We  have  never  paid  dividends  on  our  Common  Stock  and  currently  do  not  anticipate  paying  cash  dividends  on  our  Common  Stock  for  the
foreseeable future. Consequently, any returns on an investment in our Common Stock in the foreseeable future will have to come from an increase in the
value of the stock itself. As noted above, the lack of an active trading market for our Common Stock will make it difficult to value and sell our Common
Stock. While our dividend policy will be based on the operating results and capital needs of our business, it is anticipated that all earnings, if any, will be
retained to finance our future operations.

Because we are subject to the “penny stock” rules, you may have difficulty in selling our Common Stock.

Our Common Stock is subject to regulations of the SEC relating to the market for penny stocks. Penny stock, as defined by the Penny Stock Reform
Act,  is  any  equity  security  not  traded  on  a  national  securities  exchange  that  has  a  market  price  of  less  than  $5.00  per  share.  The  penny  stock  regulations
generally require that a disclosure schedule explaining the penny stock market and the risks associated therewith be delivered to purchasers of penny stocks
and impose various sales practice requirements on broker-dealers who sell penny stocks to persons other than established customers and accredited investors.
The broker-dealer must make a suitability determination for each purchaser and receive the purchaser’s written agreement prior to the sale. In addition, the
broker-dealer must make certain mandated disclosures, including the actual sale or purchase price and actual bid offer quotations, as well as the compensation
to be received by the broker-dealer and certain associated persons. The regulations applicable to penny stocks may severely affect the market liquidity for
your Common Stock and could limit your ability to sell your securities in the secondary market.

Several provisions of the Delaware General Corporation Law, our fourth amended and restated certificate of incorporation, as amended, and our second
amended and restated bylaws could discourage, delay or prevent a merger or acquisition, which could adversely affect the market price of our Common
Stock.

Several  provisions  of  the  Delaware  General  Corporation  Law,  our  fourth  amended  and  restated  certificate  of  incorporation,  as  amended,  and  our
second amended and restated bylaws could discourage, delay or prevent a merger or acquisition that stockholders may consider favorable, and the market
price of our Common Stock could be reduced as a result. These provisions include:

·

·

·

authorizing our board of directors to issue “blank check” preferred stock without stockholder approval;

providing for a classified board of directors with staggered, three-year terms;

prohibiting us from engaging in a “business combination” with an “interested stockholder” for a period of three years after the date of the
transaction in which the person became an interested stockholder unless certain provisions are met;

20

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
·

·

·

prohibiting cumulative voting in the election of directors;

limiting the persons who may call special meetings of stockholders; and

establishing advance notice requirements for nominations for election to our board of directors or for proposing matters that can be acted on
by stockholders at stockholder meetings.

As a smaller reporting company with little or no name recognition and with several risks and uncertainties that could impair our business operations, we
are not likely to generate widespread interest in our Common Stock. Without widespread interest in our Common Stock, our Common Stock price may be
highly volatile and an investment in our Common Stock could decline in value.

Unlike many companies with publicly traded securities, we have little or no name recognition in the investment community. We are a relatively new
company and very few investors are familiar with either our company or our products. We do not have an active trading market in our Common Stock, and
one might never develop, or if it does develop, might not continue.

Additionally, the market price of our Common Stock may fluctuate significantly in response to many factors, many of which are beyond our control.
Risks  and  uncertainties,  including  those  described  elsewhere  in  this  “Risk  Factors”  section  could  impair  our  business  operations  or  otherwise  cause  our
operating results or prospects to be below expectations of investors and market analysts, which could adversely affect the market price of our Common Stock.
As a result, investors in our Common Stock may not be able to resell their shares at or above their purchase price and could lose all of their investment.

Securities  class  action  litigation  is  often  brought  against  public  companies  following  periods  of  volatility  in  the  market  price  of  such  company’s
securities.  We  may  become  subject  to  this  type  of  litigation  in  the  future.  Litigation  of  this  type  could  be  extremely  expensive  and  divert  management’s
attention and resources from running our company.

If we fail to maintain an effective system of internal controls over financial reporting, we may not be able to accurately report our financial results, which
could have a material adverse effect on our business, financial condition and the market value of our securities.

Effective internal controls over financial reporting are necessary for us to provide reliable financial reports. If we cannot provide reliable financial

reports, our reputation and operating results may be harmed.
If management is unable to express a favorable opinion on the effectiveness of our internal controls, we could lose investor confidence in the accuracy and
completeness of our financial reports. Any failure to achieve and maintain effective internal controls could have an adverse effect on our business, financial
position and results of operations.

Our directors, executive officers and Lambda Investors LLC control a significant portion of our stock and, if they choose to vote together, could have
sufficient voting power to control the vote on substantially all corporate matters.

As of March 21, 2014, our directors, executive officers and Lambda Investors LLC, our largest stockholder, beneficially owned approximately 48%
of our outstanding Common Stock, representing approximately 60% on a fully-diluted basis. As a result of this ownership, Lambda Investors has the ability to
exert  significant  influence  over  our  policies  and  affairs,  including  the  election  of  directors.  Lambda  Investors,  whether  acting  alone  or  acting  with  other
stockholders, could have the power to elect all of our directors and to control the vote on substantially all other corporate matters without the approval of
other stockholders. Furthermore, such concentration of voting power could enable Lambda Investors, whether acting alone or acting with other stockholders,
to delay or prevent another party from taking control of our company even where such change of control transaction might be desirable to other stockholders.
The interests of Lambda Investors in any matter put before the stockholders may differ from those of any other stockholder.

Future sales of our Common Stock could cause the market price of our Common Stock to decline.

The market price of our Common Stock could decline due to sales of a large number of shares in the market, including sales of shares by Lambda
Investors or any other large stockholder, or the perception that such sales could occur. These sales could also make it more difficult or impossible for us to sell
equity  securities  in  the  future  at  a  time  and  price  that  we  deem  appropriate  to  raise  funds  through  future  offerings  of  Common  Stock.  Future  sales  of  our
Common Stock by stockholders could depress the market price of our Common Stock.

Shares eligible for future sale may adversely affect the market.

From time to time, certain of our stockholders may be eligible to sell all or some of their shares of Common Stock by means of ordinary brokerage
transactions in the open market pursuant to Rule 144 promulgated under the Securities Act, subject to certain limitations. In general, pursuant to Rule 144,
non-affiliate stockholders may sell freely after holding their shares for six months and affiliates may sell freely after holding their shares for one year, in each
case,  subject  to  current  public  information,  notice  and  other  requirements.  Any  substantial  sales  of  our  Common  Stock  pursuant  to  Rule  144  may  have  a
material adverse effect on the market price of our Common Stock.

21

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Item 2. Properties

Our U.S. facilities are located at 41 Grand Avenue, River Edge, New Jersey, 07661 and consist of approximately 4,688 square feet of space.  The
term of the rental agreement is for one year commencing December 1, 2013 with a monthly cost of approximately $8,400. We use our facilities to house our
corporate headquarters and research facilities.

Our facilities in Europe are currently located at A5 Clonlara Avenue, Baldonnell Business Park, Dublin, Ireland, and consist of approximately 500
square  feet  of  space.    The  lease  agreement  was  entered  into  on  July  1,  2010.  The  lease  term  is  renewable  for  6  month  terms  with  a  2  month  notice  to
discontinue, on a rolling basis.  Our monthly cost is 500 Euro (approximately $700).

We  use  our  facilities  to  house  our  accounting,  operations  and  customer  service  departments.  We  believe  this  space  will  be  adequate  to  meet  our

needs. We do not own any real property for use in our operations or otherwise.

Item 3. Legal Proceedings

There are no currently pending legal proceedings and, as far as we are aware, no governmental authority is contemplating any proceeding to which

we are a party or to which any of our properties is subject.

Item 4. Mine Safety Disclosures

Not applicable.

22

 
 
 
 
 
 
 
 
 
 
PART II

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

Our common stock is quoted on the OTCQB Marketplace operated by the OTC Markets Group, Inc., or OTCQB, under the symbol “NEPH.” The
following table sets forth the high and low bid and ask prices for our common stock as reported on the OTCQB for each quarter listed. All prices have been
adjusted to reflect the effect of the reverse split effective March 11, 2011. Such over the counter market quotations reflect inter-dealer prices, without retail
mark-up, mark-down or commission and may not necessarily represent actual transactions.

Quarter Ended

High

Low

March 31, 2012
June 30, 2012
September 30, 2012
December 31, 2012
March 31, 2013
June 30, 2013
September 30, 2013
December 31, 2013

  $
  $
  $
  $
  $
  $
  $
  $

1.09   $
3.19   $
1.98   $
1.40   $
1.49   $
1.25   $
1.71   $
1.25   $

0.44  
0.80  
1.15  
1.02  
0.73  
0.63  
0.85  
0.31  

As of March 20, 2014, there were approximately 20 holders of record and approximately 1,000 beneficial holders of our common stock.

We have neither paid nor declared dividends on our common stock since our inception. We do not anticipate paying any dividends on our common
stock  in  the  foreseeable  future.  We  expect  to  retain  future  earnings,  if  any,  for  use  in  our  development  activities  and  the  operation  of  our  business.  The
payment of any future dividends will be subject to the discretion of our board of directors and will depend, among other things, upon our results of operations,
financial  condition,  cash  requirements,  prospects  and  other  factors  that  our  board  of  directors  may  deem  relevant.  Additionally,  our  ability  to  pay  future
dividends may be restricted by the terms of any debt financing, tax considerations and applicable law.

Recent Sales of Unregistered Securities

Except as previously reported in our Quarterly Reports on Form 10-Q and our Current Reports on Form 8-K, we have not sold any equity security

during the three years ended December 31, 2013 which was not registered under the Securities Act of 1933, as amended.

 Issuer Repurchases of Equity Securities

There were no repurchases of our common stock during the fourth quarter of 2013.

Item 6. Selected Financial Data

Not required.

Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations

The  following  discussion  includes  forward-looking  statements  about  our  business,  financial  condition  and  results  of  operations,  including
discussions  about  management’s  expectations  for  our  business.  These  statements  represent  projections,  beliefs  and  expectations  based  on  current
circumstances and conditions and in light of recent events and trends, and you should not construe these statements either as assurances of performances or
as promises of a given course of action. Instead, various known and unknown factors are likely to cause our actual performance and management’s actions to
vary, and the results of these variances may be both material and adverse. A list of the known material factors that may cause our results to vary, or may
cause management to deviate from its current plans and expectations, is included in Item 1A “Risk Factors.” The following discussion should also be read in
conjunction with the consolidated financial statements and notes included herein.

23

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Going Concern

Our independent registered public accounting firm has included an explanatory paragraph in their report on our financial statements included in this
Form 10-K which expressed doubt as to our ability to continue as a going concern. The accompanying financial statements have been prepared assuming that
we  will  continue  as  a  going  concern.  However,  there  can  be  no  assurance  that  we  will  be  able  to  do  so.  Our  recurring  losses  and  difficulty  in  generating
sufficient  cash  flow  to  meet  our  obligations  and  sustain  our  operations  raise  substantial  doubt  about  our  ability  to  continue  as  a  going  concern,  and  our
consolidated financial statements do not include any adjustments that might result from the outcome of this uncertainty.

Business Overview

Nephros is a commercial stage medical device company that develops and sells high performance liquid purification filters. Our filters, which we
call ultrafilters, are primarily used in dialysis centers for the removal of biological contaminants from water, bicarbonate concentrate and/or blood. Because
our ultrafilters capture contaminants as small as 0.005 microns in size, they minimize exposure to a wide variety of bacteria, viruses, fungi, parasites, and
endotoxins.

Our ultrafilters use proprietary hollow fiber technology. We believe the hollow fiber design allows our ultrafilters to optimize the three elements critical to
filter performance:

•
•
•

Filtration - as low as 0.005 microns
Flow rate - minimal disruption
Filter life - up to 12 months

We  were  founded  in  1997  by  healthcare  professionals  affiliated  with  Columbia  University  Medical  Center/New  York-Presbyterian  Hospital  to
develop  and  commercialize  an  alternative  method  to  hemodialysis  (HD).  We  have  extended  our  filtration  technologies  to  meet  the  demand  for  liquid
purification in other areas, in particular water purification.

The following trends, events and uncertainties may have a material impact on our potential sales, revenue and income from operations:

·
·
·
·
·

the market acceptance of our products in the United States and of our technologies and products in each of our target markets;
our ability to effectively and efficiently manufacture, market and distribute our products;
our ability to sell our products at competitive prices which exceed our per unit costs;
the consolidation of dialysis clinics into larger clinical groups; and
the current U.S. healthcare plan is to bundle reimbursement for dialysis treatment which may force dialysis clinics to change therapies due to
financial reasons.

To the extent we are unable to succeed in accomplishing the foregoing, our sales could be lower than expected and dramatically impair our ability to

generate income from operations.

Recently Adopted Accounting Pronouncements

There are no recent accounting pronouncements that are expected to have an effect on our consolidated financial statements set forth in Item 8 of this

Annual Report on Form 10-K.

24

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Critical Accounting Policies and Estimates

Our discussion and analysis of our financial condition and results of operations are based on our consolidated financial statements, which have been
prepared  in  accordance  with  accounting  principles  generally  accepted  in  the  United  States.  The  preparation  of  financial  statements  in  accordance  with
generally accepted accounting principles in the United States requires application of management’s subjective judgments, often requiring the need to make
estimates about the effect of matters that are inherently uncertain and may change in subsequent periods. Our actual results may differ substantially from these
estimates  under  different  assumptions  or  conditions.  While  our  significant  accounting  policies  are  described  in  more  detail  in  the  notes  to  consolidated
financial statements included in this Annual Report on Form 10-K for the year ended December 31, 2013, we believe that the following accounting policies
require the application of significant judgments and estimates.

Revenue Recognition

Revenue is recognized in accordance with Accounting Standards Codification ("ASC") Topic 605. Four basic criteria must be met before revenue
can  be  recognized:  (i)  persuasive  evidence  that  an  arrangement  exists;  (ii)  delivery  has  occurred  or  services  have  been  rendered;  (iii)  the  fee  is  fixed  or
determinable; and (iv) collectability is reasonably assured.

We recognize revenue related to product sales when delivery is confirmed by our external logistics provider and the other criteria of ASC Topic 605
are met. Product revenue is recorded net of returns and allowances. All costs and duties relating to delivery are absorbed by us. Shipments for all products are
currently received directly by our customers.

We  recognize  the  fixed  license  revenue  under  the  Bellco  license  agreement  on  a  straight  line  basis  over  the  forty-two  month  expected  obligation

period which ends on December 31, 2014. Any difference between payments received and recognized revenue is reported as deferred revenue.

Deferred revenue on the accompanying December 31, 2013 consolidated balance sheet is approximately $703,000 and is related to the Bellco license
agreement. We have recognized approximately $1,756,000 of revenue related to this license agreement to date and approximately $711,000 for the twelve
months  ended  December  31,  2013,  resulting  in  $703,000  being  deferred  over  the  remainder  of  the  expected  obligation  period.  We  amortize  the  deferred
revenue monthly over the expected obligation period which ends on December 31, 2014. This will result in expected recognized revenue of approximately
$703,000 in the year ended December 31, 2014.

 Stock-Based Compensation

We account for stock-based compensation in accordance with ASC 718 by recognizing the fair value of stock-based compensation in net income.
The fair value of our stock option awards are estimated using a Black-Scholes option valuation model. This model requires the input of highly subjective
assumptions and elections including expected stock price volatility and the estimated life of each award. In addition, the calculation of compensation costs
requires that we estimate the number of awards that will be forfeited during the vesting period. The fair value of stock-based awards is amortized over the
vesting period of the award. For stock awards that vest based on performance conditions (e.g. achievement of certain milestones), expense is recognized when
it is probable that the condition will be met.

Accounts Receivable

We provide credit terms to our customers in connection with purchases of our products. We periodically review customer account activity in order to
assess the adequacy of the allowances provided for potential collection issues and returns. Factors considered include economic conditions, each customer’s
payment and return history and credit worthiness. Adjustments, if any, are made to reserve balances following the completion of these reviews to reflect our
best estimate of potential losses.

Inventory Reserves

Our inventory reserve requirements are based on factors including the products’ expiration date and estimates for the future sales of the product. If

estimated sales levels do not materialize, we will make adjustments to our assumptions for inventory reserve requirements.

25

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Accrued Expenses

We  are  required  to  estimate  accrued  expenses  as  part  of  our  process  of  preparing  financial  statements.  This  process  involves  identifying  services
which have been performed on our behalf, and the level of service performed and the associated cost incurred for such service as of each balance sheet date in
our consolidated financial statements. Examples of areas in which subjective judgments may be required include costs associated with services provided by
contract  organizations  for  the  preclinical  development  of  our  products,  the  manufacturing  of  clinical  materials,  and  clinical  trials,  as  well  as  legal  and
accounting services provided by professional organizations. In connection with such service fees, our estimates are most affected by our understanding of the
status and timing of services provided relative to the actual levels of services incurred by such service providers. The majority of our service providers invoice
us  monthly  in  arrears  for  services  performed.  In  the  event  that  we  do  not  identify  certain  costs,  which  have  begun  to  be  incurred,  or  we  under-  or  over-
estimate the level of services performed or the costs of such services, our reported expenses for such period would be too low or too high. The date on which
certain services commence, the level of services performed on or before a given date and the cost of such services are often determined based on subjective
judgments. We make these judgments based upon the facts and circumstances known to us in accordance with generally accepted accounting principles.

Results of Operations

Fluctuations in Operating Results

Our results of operations have fluctuated significantly from period to period in the past and are likely to continue to do so in the future. We anticipate
that our annual results of operations will be impacted for the foreseeable future by several factors including the progress and timing of expenditures related to
our  research  and  development  efforts,  marketing  expenses  related  to  product  launches,  timing  of  regulatory  approval  of  our  various  products  and  market
acceptance of our products. Due to these fluctuations, we believe that the period to period comparisons of our operating results are not a good indication of
our future performance.

The Fiscal Year Ended December 31, 2013 Compared to the Fiscal Year Ended December 31, 2012

Revenues

Total revenues for the year ended December 31, 2013 were approximately $1,740,000 compared to approximately $1,807,000 for the year ended
December 31, 2012.  Total revenues decreased approximately $67,000, or 4%, as a result of decreases of approximately $117,000 related to the Office of
Naval Research, whose contract ended as of March 2012, and approximately $216,000 related to the sales credits recorded to reflect the impact of a voluntary
product recall of point of use filters (POU) announced on October 30, 2013. These decreases were partially offset by an increase of approximately $31,000
related to the Bellco license agreement as well as underlying increases in total water filter sales.  Total water filter sales increased by 23% from $1,005,000 in
2012 to $1,240,000 in 2013 reflecting growth in key business segments of dialysis water and hospital water.  Dialysis water and hospital water sales increased
by approximately 66% and 25%, respectively.  These increases were partially offset by decreases in military water sales of approximately 83%.

Revenues were not significantly impacted by inflation or changing prices for the years ended December 31, 2013 or 2012.

Cost of Goods Sold

Cost of goods sold was approximately $898,000 for the year ended December 31, 2013 compared to approximately $737,000 for the year ended
December 31, 2012. The increase of approximately $161,000, or 22%, in cost of goods sold was related to the increase in inventory reserves of approximately
$210,000, $203,000 of which is a result of the October 2013 voluntary product recall and an increase in cost of goods sold of approximately $119,000 related
to increased sales of water filters in key business segments during the year ended December 31, 2013. The increases were partially offset by a decrease in
sales related to the Office of Naval Research combined with the impact of a voluntary product recall of point of use filters (POU) of approximately $168,000. 

Research and Development

Research  and  development  expenses  were  approximately  $826,000  and  $632,000,  respectively,  for  the  years  ended  December  31,  2013  and
December 31, 2012. This increase of approximately $194,000, or 31%, is primarily due to an increase in research and development material and other project
costs primarily related to our OLpūr H2H Module of approximately $104,000 and an increase in personnel related costs of approximately $88,000 during the
year ended December 31, 2013 compared to the year ended December 31, 2012.

Depreciation and Amortization Expense

Depreciation and amortization expense was approximately $223,000 for the year ended December 31, 2013 compared to approximately $151,000 for
the  year  ended  December  31,  2012,  representing  an  increase  of  48%.  The  increase  of  approximately  $72,000  is  due  to  amortization  related  to  the  asset
recognized in conjunction with the License and Supply Agreement that began in the second quarter of the year ended December 31, 2012.

26

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Selling, General and Administrative Expenses

Selling,  general  and  administrative  expenses  were  approximately  $3,110,000  for  the  year  ended  December  31,  2013  compared  to  approximately
$3,620,000  for  the  year  ended  December  31,  2012,  representing  a  decrease  of  $510,000  or  14%.  The  decrease  is  primarily  due  to  a  decrease  in  legal  and
professional services expenses.  In the twelve months ended December 31, 2013, approximately $229,000 of legal and professional services expenses were
recorded in equity as a result of the May 2013 rights offering and approximately $204,000 were recorded as amortization of debt discount as they were fees
paid in relation to the February 2013 Senior Secured Note.  In addition, travel and other expenses decreased approximately $130,000 during the year ended
December 31, 2013 compared to the year ended December 30, 2012.  These decreases were partially offset by an increase in personnel related expenses of
approximately $53,000, primarily a result of increased expenses related to bonus and stock-based compensation expense. 

Interest Income

There was no interest income recognized for the year ended December 31, 2013 compared to approximately $2,000 for the year ended December 31,
2012. The decrease reflects the impact of having less cash on hand during the year ended December 31, 2013 compared to the year ended December 31, 2012.

Interest Expense

Interest expense for the year ended December 31, 2013 was $94,000.  There was no interest expense recognized for the year ended December 31,
2012. Interest expense for the year ended December 31, 2013 primarily relates to interest on the February 2013 Senior Secured Note and November 2013
Senior Secured Note each issued to Lambda Investors LLC of approximately $71,000 and interest of approximately $21,000 related to outstanding payables
due to a vendor.

Amortization of Debt Discount

The Company accounts for debt issuance costs in accordance with ASC 835, which requires that costs paid directly to the issuer of the notes be
reported in the balance sheet as a debt discount and amortized over the term of the associated debt. Amortization of debt discounts of approximately $257,000
for the year ended December 31, 2013, was due to fees paid to Lambda Investors LLC of approximately $204,000 and approximately $53,000 as a result of
the issuance of the February 2013 Senior Secured Note and the November 2013 Senior Secured Note, respectively.

Other Income/Expense

Other  income  (expense),  net,  of  approximately  $33,000  includes  approximately  $50,000  of  other  expense  for  the  year  ended  December  31,  2013,
primarily  due  to  approximately  $36,000  related  to  foreign  currency  losses  and  approximately  $14,000  related  to  the  May  2013  rights  offering  warrant
modification.  Other expense was partially offset by other income of approximately $17,000, which consisted primarily of a refund of approximately $15,000
received as a result of the Steris agreement termination. 

Other expense in the amount of approximately $14,000 for the year ended December 31, 2012 was primarily the result of approximately $18,000 related to
the write-offs of vendor invoices which are no longer due. Other expense was partially offset by $4,000 related to foreign currency losses on invoices paid to
an international supplier.

Off-Balance Sheet Arrangements

We did not engage in any off-balance sheet arrangements during the years ended December 31, 2013 and 2012.

Liquidity and Capital Resources

Our future liquidity sources and requirements will depend on many factors, including:

·

·

·

the availability of additional financing, through the sale of equity securities or otherwise, on commercially reasonable terms or at all;

the costs involved in connection with the voluntary recalls of our point of use and DSU in-line ultrafilters used in hospital water treatment
applications announced on October 30, 2013 and the related circumstances;

the market acceptance of our products, and our ability to effectively and efficiently produce and market our products;

27

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
·

·

·

the continued progress in, and the costs of, clinical studies and other research and development programs;

the costs involved in filing and enforcing patent claims and the status of competitive products; and

the cost of litigation, including potential patent litigation and any other actual or threatened litigation.

 We expect to put our current capital resources to the following uses:

·      for the marketing and sales of our water-filtration products;

·      to pursue business development opportunities with respect to our chronic renal treatment system; and

·      for working capital purposes.

In response to liquidity issues experienced with our auction rate securities, and in order to facilitate greater liquidity in our short-term investments,
on March 27, 2008, our board of directors adopted an Investment, Risk Management and Accounting Policy. Such policy limits the types of instruments or
securities in which we may invest our excess funds in the future to: U.S. Treasury Securities; Certificates of Deposit issued by money center banks; Money
Funds by money center banks; Repurchase Agreements; and Eurodollar Certificates of Deposit issued by money center banks. This policy provides that our
primary objectives for investments shall be the preservation of principal and achieving sufficient liquidity to meet our forecasted cash requirements. In
addition, provided that such primary objectives are met, we may seek to achieve the maximum yield available under such constraints.

At December 31, 2013, we had an accumulated deficit of approximately $101,228,000, and we expect to incur additional losses in the foreseeable

future at least until such time, if ever, that we are able to increase product sales or licensing revenue.

On  February  19,  2014,  the  Company  entered  into  the  First  Amendment  to  License  Agreement  (the  “First  Amendment”),  by  and  between  the
Company and Bellco, which amends the License Agreement, entered into as of July 1, 2011 by and between the Company and Bellco.  Pursuant to the First
Amendment, the Company and Bellco agreed to extend the term of the License Agreement through December 31, 2021. The First Amendment also expands
the Territory covered by the License Agreement to include Sweden, Denmark, Norway, Finland, Korea, Mexico, Brazil, China and the Netherlands. The First
Amendment further provides new minimum sales targets which, if not satisfied, will, at the discretion of the Company, result in conversion of the license to
non-exclusive status. The Company has agreed to reduce the fixed royalty payment payable to the Company for the period beginning on January 1, 2015
through and including December 31, 2021. Beginning on January 1, 2015 through and including December 31, 2016, Bellco will pay us a royalty based on
the  number  of  units  of  Products  sold  per  year  in  the  Territory  as  follows:  for  the  first  125,000  units  sold,    €1.75  per  unit;  thereafter,  €1.25  per  unit.    In
addition, the Company will receive a total of €450,000 in upfront fees in connection with the First Amendment, half of which were paid on February 19,
2014, and the other half of which are payable on March 31, 2014. In addition, the First Amendment provides that, in the event that the Company pursues a
transaction to sell, assign or transfer all right, title and interest to the licensed patents to a third party, the Company will provide Bellco with written notice
thereof  and  a  right  of  first  offer  with  respect  to  the  contemplated  transaction  for  a  period  of  thirty  (30)  days.    Anticipated  payments  from  this  License
Agreement will be a positive source of cash flow to us.

On April 23, 2012, we entered into a License and Supply Agreement (the “License and Supply Agreement”) with Medica, an Italy-based medical
product  manufacturing  company,  for  the  marketing  and  sale  of  certain  filtration  products  based  upon  Medica’s  proprietary  Medisulfone  ultrafiltration
technology  in  conjunction  with  our  filtration  products  (collectively,  the  “Filtration  Products”),  and  to  engage  in  an  exclusive  supply  arrangement  for  the
Filtration  Products.  Under  the  License  and  Supply  Agreement,  Medica  granted  to  us  an  exclusive  license,  with  right  of  sublicense,  to  market,  promote,
distribute,  offer  for  sale  and  sell  the  Filtration  Products  worldwide,  excluding  Italy  for  the  first  three  years,  during  the  term  of  the  License  and  Supply
Agreement.  In  addition,  we  granted  to  Medica  an  exclusive  license  under  our  intellectual  property  to  make  the  Filtration  Products  during  the  term  of  the
License and Supply Agreement. In exchange for the rights granted, we have agreed to make minimum annual aggregate purchases from Medica of €300,000,
€500,000 and €750,000 for the years 2012, 2013 and 2014, respectively. In the year ended December 31, 2013, our aggregate purchase commitments totaled
approximately €532,000. For calendar years thereafter, annual minimum amounts will be mutually agreed upon between Medica and us. In exchange for the
license, we paid Medica €1,500,000 in three installments: €500,000 on April 23, 2012, €600,000 on February 4, 2013, and €400,000 on May 23, 2013. As
part of the agreement, we have granted to Medica 300,000 options to purchase our common stock which will vest over the first three years of the agreement. 
As of September 2013, we have an understanding with Medica whereby we have agreed to pay interest to Medica at a 12% annual rate calculated on the
principal amount of any outstanding invoices that are not paid pursuant to the original payment terms.

As of the date of this Annual Report, we expect that the proceeds from the March 2014 rights offering and the First Amendment with Bellco will
allow us to fund our operations into the third quarter of fiscal year 2014.  This assumption excludes the impact of future cash receipts from operations.  Our
cash flow currently is not, and historically has not been, sufficient to meet our obligations and commitments. We must seek and obtain additional financing to
fund our operations. If we cannot raise sufficient capital, in connection with offerings of our common stock or through other means, we will be forced to
curtail our planned activities and operations or cease operations entirely and you will lose all of your investment in our Company. There can be no assurance
that we could raise sufficient capital on a timely basis or on satisfactory terms or at all.

28

 
 
 
 
 
 
 
 
 
 
 
 
 
Net cash used in operating activities was approximately $3,583,000 for the year ended December 31, 2013 compared to approximately $1,547,000
for the year ended December 31, 2012. The most significant items contributing to this net increase of approximately $2,036,000 in cash used in operating
activities during the year ended December 31, 2013 compared to the year ended December 31, 2012 are highlighted below:

·

·

·

·

·

·

·

·

·

·

·

·

during 2013, our net loss increased by approximately $436,000 compared to 2012;

during 2013, our accounts receivable decreased by approximately $820,000 compared to a decrease of approximately $1,006,000 during 2012;

during 2013, our deferred revenue decreased by approximately $711,000 compared to an increase of approximately $680,000 during 2012; and

during  2013,  our  accounts  payable  and  accrued  expenses  increased  by  approximately  $59,000  in  the  aggregate  compared  to  an  increase  of
approximately $904,000 during 2012;

during 2013, license and supply fee payable decreased by $1,318,000;

Offsetting the above changes are the following items:

during 2013, depreciation and amortization expense increased by approximately $72,000 compared to 2012;

during 2013, we recorded amortization of debt issuance costs of $257,000, whereas amortization of debt issuance costs in 2012 were $0;

during 2013, we recorded noncash interest expense of approximately $39,000, whereas noncash interest expense in 2012 was $0;

during 2013, our stock-based compensation expense, a non-cash expense, increased by approximately $132,000 compared to 2012;

during 2013, we recorded an inventory reserve of  approximately $210,000 compared to $82,000 in 2012;

during 2013, we recognized a gain on the sale of property and equipment of approximately $3,000 compared to a gain of approximately $55,000 in
2012 ;

during 2013, our inventory increased by approximately $60,000 compared to an increase of approximately $147,000 during 2012;

Net cash provided by investing activities for the year ended December 31, 2013 was approximately $3,000 related to the sale of fully depreciated
manufacturing equipment.  Net cash used in investing activities for the year ended December 31, 2012 was $612,000 related to approximately $659,000 for
the purchase of intangible assets associated with the Medica License and Supply Agreement and approximately $8,000 used for the purchase of equipment. 
Cash used in investing activities for the year ended December 31, 2012 was partially offset by proceeds received of approximately $55,000 related to the sale
of property and equipment.

Net  cash  provided  by  financing  activities  for  the  year  ended  December  31,  2013  of  $4,120,000,  net  of  equity  issuance  costs  of  approximately
$229,000, resulted primarily from gross proceeds of $3.0 million related to the issuance of common stock related to the May 2013 rights offering, proceeds
from the issuance of the February 2013 Senior Secured Note and the November 2013 Senior Secured Note of $2.8 million and approximately $248,000 of
proceeds resulting from the exercise of warrants. Net cash provided by financing activities was partially offset by the repayment of the $1.3 million February
2013 Senior Secured Note and payment of financing costs of $399,000.  Net cash provided by financing activities was approximately $503,000 for the year
ended December 31, 2012 as a result of the exercise of warrants.

29

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Contractual Obligations and Commercial Commitments

The following tables summarize our approximate minimum contractual obligations and commercial commitments as of December 31, 2013:

Total

Within 
1 Year

Payments Due in Period
Years 
1 - 3

Years 
4 - 5

More than 
5 Years

Leases
Employment Contracts
Total

  $

  $

108,000     $
788,000      
896,000     $

100,000     $
350,000      
450,000     $

8,000     $
438,000      
446,000     $

-     $
-      
-     $

-  
-  
-  

Item 7A. Quantitative and Qualitative Disclosures About Market Risk

Not required.

30

 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
 
   
      
      
      
      
  
   
Item 8. Financial Statements

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Stockholders of
Nephros, Inc.

We have audited the accompanying consolidated balance sheets of Nephros, Inc. and Subsidiary (collectively, “the Company”) as of December 31, 2013 and
2012, and the related consolidated statements of operations, changes in stockholders’ equity (deficit) and cash flows in the two year period ended December
31, 2013. These consolidated financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on these
consolidated financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that
we  plan  and  perform  audits  to  obtain  reasonable  assurance  about  whether  the  financial  statements  are  free  of  material  misstatement.  The  Company  is  not
required  to  have,  nor  were  we  engaged  to  perform,  an  audit  of  its  internal  control  over  financial  reporting.  Our  audits  included  consideration  of  internal
control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an
opinion  on  the  effectiveness  of  the  Company’s  internal  control  over  financial  reporting.  Accordingly,  we  express  no  such  opinion.  An  audit  also  includes
examining, on a test basis, evidence supporting the amounts and disclosures in the consolidated financial statements, assessing the accounting principles used
and significant estimates made by management, as well as evaluating the overall consolidated financial statement presentation. We believe that our audits
provide a reasonable basis for our opinion.

In  our  opinion,  the  consolidated  financial  statements  referred  to  above  present  fairly,  in  all  material  respects,  the  financial  position  of  Nephros,  Inc.  and
Subsidiary as of December 31, 2013 and 2012, and the results of their operations and their cash flows in the two year period ended December 31, 2013, in
conformity with accounting principles generally accepted in the United States of America.

The accompanying consolidated financial statements have been prepared assuming that the Company will continue as a going concern. As discussed in Note
2 to the consolidated financial statements, the Company has incurred negative cash flow from operations and net losses since inception. These conditions,
among others, raise substantial doubt about its ability to continue as a going concern. Management’s plans in regard to these matters are also described in
Note 2. The accompanying consolidated financial statements do not include any adjustments that might result from the outcome of this uncertainty.

/s/ Rothstein Kass

Roseland, New Jersey
March 27, 2014

31

 
 
 
 
 
 
 
 
 
 
 
NEPHROS, INC. AND SUBSIDIARY

CONSOLIDATED BALANCE SHEETS

(In Thousands, Except Share Amounts)

ASSETS

Current assets:
Cash and cash equivalents
Accounts receivable
Inventory, less allowances of $365 at December 31, 2013 and $269 at December 31, 2012
Prepaid expenses and other current assets
Total current assets
Property and equipment, net
Other assets, net of accumulated amortization
Total assets

LIABILITIES AND STOCKHOLDERS’ EQUITY

Current liabilities:
Senior secured note payable, net of debt discount of $142
Accounts payable
License and supply agreement fee payable
Accrued expenses
Deferred revenue, current portion
Total current liabilities
Long-term portion of deferred revenue
Total liabilities

Commitments and Contingencies (Note 12)

Stockholders’ deficit:

  December 31, 2013     December 31, 2012 

  $

  $

  $

579     $
122      
162      
125      
988      
7      
1,894      
2,889     $

1,358     $
1,073      
-      
365      
703      
3,499      
-      
3,499      

47  
935  
312  
109  
1,403  
16  
2,109  
3,528  

-  
1,070  
1,318  
321  
707  
3,416  
707  
4,123  

Preferred stock, $.001 par value; 5,000,000 shares authorized at December 31, 2013 and 2012; no shares
issued and outstanding at December 31, 2013 and 2012.
Common stock, $.001 par value; 90,000,000 shares authorized at December 31, 2013 and 2012; 18,082,043
and 11,949,824 shares issued and outstanding at December 31, 2013 and December 31, 2012, respectively.
Additional paid-in capital
Accumulated other comprehensive income
Accumulated deficit
Total stockholders’ deficit
Total liabilities and stockholders’ deficit

  $

-      

-  

18      
100,526      
74      
(101,228)     
(610)     
2,889     $

12  
96,847  
76  
(97,530) 
(595) 
3,528  

The accompanying notes are an integral part of these consolidated financial statements.

32

 
     
 
 
 
 
 
 
 
   
      
  
   
      
  
   
   
   
   
   
   
   
      
  
   
      
  
   
   
   
   
   
   
   
 
   
      
  
   
      
  
 
   
      
  
   
      
  
 
   
      
  
   
   
   
   
   
   
NEPHROS, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS

(In Thousands, Except Share and Per Share Amounts)

Net revenue:
Product revenues
Licensing revenues
Total net revenues

Cost of goods sold
Gross margin
Operating expenses:
Research and development
Depreciation and amortization
Selling, general and administrative
Total operating expenses
Loss from operations
Interest income
Interest expense
Gain on sale of equipment
Amortization of debt discount
Other income (expense)
Net loss
Other comprehensive income, foreign currency translation adjustments
Total comprehensive loss
Net loss per common share, basic and diluted
Weighted average common shares outstanding, basic and diluted

Years Ended December 31,

2013

2012

1,029     $
711      
1,740      

898      
842      

826      
223      
3,110      
4,159      
(3,317)     
-      
(94)     
3      
(257)     
(33)     
(3,698)     
(2)     
(3,700)     
(0.24)    $
15,624,999      

1,127  
680  
1,807  

737  
1,070  

632  
151  
3,620  
4,403  
(3,333) 
2  
-  
55  
-  
14  
(3,262) 
27  
(3,235) 
(0.29) 
11,223,878  

  $

  $

The accompanying notes are an integral part of these consolidated financial statements.

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NEPHROS, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS’ EQUITY (DEFICIT)

(In Thousands, Except Share Amounts)

Balance, December 31, 2011

Comprehensive income:
Net loss
Net unrealized gains on foreign
currency translation
Comprehensive loss
Exercise of warrants
Noncash stock-based compensation    
Issuance of stock options related to
licensing agreement
Balance, December 31, 2012

Comprehensive income:
Net loss
Net unrealized losses on foreign
currency translation
Comprehensive loss
Shareholder rights offering, net
Issuance of restricted stock
Exercise of warrants
Noncash stock-based compensation    
Warrant modification
Balance, December 31, 2013

Common Stock

Shares
10,501,477     $

Amount

Additional 
Paid-in
Capital

Accumulated 
Other 
Comprehensive
Income

    Accumulated      
Deficit

Total

10     $

95,630     $

49     $

(94,268)    $

1,421  

1,448,347      

2      

11,949,824     $

12     $

501      
443      

273      
96,847     $

(3,262)     

(3,262) 

27      

76     $

(97,530)    $

27  
(3,235)  
503  
443  

273  
(595)  

(3,698)     

(3,698) 

5      

2,766      

(2)     

5,000,000      
340,220      
791,999      

18,082,043     $

18     $

1      

247      
652      
14      
100,526     $

74     $

(101,228)    $

(2) 
(3,700) 
2,771  
-  
248  
652  
14  
(610) 

The accompanying notes are an integral part of these consolidated financial statements.

34

 
   
 
 
 
 
 
 
 
 
   
   
 
 
 
 
   
   
   
   
   
 
   
 
   
      
      
      
      
      
  
   
      
      
      
      
      
  
   
      
      
      
      
   
      
      
      
      
   
      
      
      
      
      
   
      
      
      
      
      
      
   
      
      
      
      
   
 
   
      
      
      
      
      
  
   
      
      
      
      
      
  
   
       
       
       
      
   
      
      
      
      
   
      
      
      
      
      
   
      
      
   
      
      
      
      
   
      
      
       
       
      
      
   
      
      
      
      
   
NEPHROS, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF CASH FLOWS
(In Thousands)

Operating activities
Net loss
Adjustments to reconcile net loss to net cash used in operating activities:
Depreciation of property and equipment
Amortization of other assets
Non-cash stock-based compensation, including stock options and restricted stock
Warrant inducement
Inventory reserve
Amortization of debt discount
Noncash interest
Gain on disposal of property and equipment
Loss on foreign currency transactions
(Increase) decrease in operating assets:
Accounts receivable
Inventory
Prepaid expenses and other current assets
Long-term receivable
Increase (decrease) in operating liabilities:
Accounts payable and accrued expenses
License and supply agreement fee payable
Deferred revenue
Net cash used in operating activities

Investing activities
Purchase of property and equipment
Purchase of intangible assets
Proceeds from sales of property and equipment
Net cash provided by (used in) investing activities

Financing activities
Proceeds from issuance of common stock, net of equity issuance costs of $229
Proceeds from issuance of Senior Secured Notes
Payment of financing costs
Proceeds from exercise of warrants
Payment of Senior Secured Note
Net cash provided by financing activities
Effect of exchange rates on cash and cash equivalents
Net increase (decrease) in cash and cash equivalents
Cash and cash equivalents, beginning of year
Cash and cash equivalents, end of year

Supplemental disclosure of cash flow information
Cash paid for taxes
Restricted stock issued to settle liability
Payable related to license and supply agreement
Receivable related to license agreement
Fair value of stock options granted to Medica

Years Ended December 31,

2013

2012

  $

(3,698)  $

(3,262) 

9    
214    
575    
14    
210    
257    
39    
(3)   
26    

820    
(60)   
(16)   

59    
(1,318)   
(711)   
(3,583)   

-    
-    
3    
3    

2,771    
2,800    
(399)   
248    
(1,300)   
4,120    
(8)   
532    
47    
579   $

2   $
77   $
-   $
-   $
-   $

9  
142  
443  
-  
82  
-  
-  
(55) 
7  

1,006  
(147) 
4  
-  

904  
-  
(680) 
(1,547) 

(8) 
(659) 
55  
(612) 

-  

-  
503  
-  
503  
34  
(1,622) 
1,669  
47  

18  
-  
1,318  
791  
273  

  $

  $
  $
  $
  $
  $

The accompanying notes are an integral part of these consolidated financial statements.

35

 
   
 
 
 
 
 
 
 
 
 
 
 
 
   
 
   
 
 
   
    
  
   
    
  
   
   
   
   
   
   
   
   
   
   
     
   
   
   
   
   
    
   
     
   
   
   
   
   
 
   
     
  
   
     
   
   
   
   
   
 
   
     
   
   
    
   
   
   
   
   
   
   
   
   
   
   
 
   
    
  
   
    
  
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 1 - Organization and Nature of Operations

Nephros, Inc. (“Nephros” or the “Company”) was incorporated under the laws of the State of Delaware on April 3, 1997. Nephros was founded by health
professionals, scientists and engineers affiliated with Columbia University to develop advanced End Stage Renal Disease (“ESRD”) therapy technology and
products. The Company has two products in various stages of development in the hemodiafiltration, or HDF, modality to deliver improved therapy for ESRD
patients. These are the OLpur MDHDF filter series or “dialyzers,” designed expressly for HDF therapy, the OLpur H2H, an add-on module designed to allow
the most common types of hemodialysis machines to be used for HDF therapy. In 2009, the Company introduced its Dual Stage Ultrafilter (“DSU”) water
filter  system,  which  represents  a  new  and  complementary  product  line  to  the  Company’s  existing  ESRD  therapy  business.  The  DSU  incorporates  the
Company’s unique and proprietary dual stage filter architecture.

On June 4, 2003, Nephros International Limited was incorporated under the laws of Ireland as a wholly-owned subsidiary of the Company.  In August 2003,
the Company established a European Customer Service and financial operations center in Dublin, Ireland.

Note 2 - Summary of Significant Accounting Policies

Principles of Consolidation and Basis of Presentation

The accompanying consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Nephros International Limited. 
All intercompany accounts and transactions have been eliminated in consolidation.

These consolidated financial statements were approved by management and the Board of Directors and are available for issuance as of the date of the audit
opinion.  Subsequent events have been evaluated through this date.

Use of Estimates in the Preparation of Financial Statements

The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires
management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities, at
the date of the financial statements, and the reported amount of revenues and expenses, during the reporting period. Actual results could differ materially from
those estimates.  Certain prior year amounts have been reclassified to conform to the current year presentation.

Going Concern and Management’s Response

The  accompanying  consolidated financial  statements  have  been  prepared  assuming  that  the  Company  will  continue  as  a  going  concern.  The  Company’s
recurring losses and difficulty in generating sufficient cash flow to meet its obligations and sustain its operations raise substantial doubt about its ability to
continue as a going concern. The Company’s consolidated financial statements do not include any adjustments that might result from the outcome of this
uncertainty.

The Company has incurred significant losses in operations in each quarter since inception. For the years ended December 31, 2013 and 2012, the Company
has incurred net losses of $3,698,000 and $3,262,000, respectively. In addition, the Company has not generated positive cash flow from operations for the
years ended December 31, 2013 and 2012. To become profitable, the Company must increase revenue substantially and achieve and maintain positive gross
and  operating  margins.  If  the  Company  is  not  able  to  increase  revenue  and  gross  and  operating  margins  sufficiently  to  achieve  profitability,  its  results  of
operations and financial condition will be materially and adversely affected.

The voluntary recalls of point of use (POU) and DSU in-line ultrafilters used in hospital water treatment applications announced on October 30, 2013 and the
related  circumstances  could  subject  the  Company  to  claims  or  proceedings  by  consumers,  the  FDA  or  other  regulatory  authorities  which  may  adversely
impact the Company’s sales and revenues.

36

 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 2 - Summary of Significant Accounting Policies (continued)

On June 27, 2011, the Company entered into a License Agreement,  effective July 1, 2011, with Bellco S.r.l., as licensee (“Bellco”), an Italy-based supplier of
hemodialysis  and  intensive  care  products,  for  the  manufacturing,  marketing  and  sale  of  Nephros’  patented  mid-dilution  dialysis  filters.    This  Agreement
provided  the  Company  with  payments  of  €500,000,  €750,000,  and  €600,000  on  July  1,  2011,  January  15,  2012  and  January  15,  2013,  respectively.  On
February  19,  2014,  the  Company  entered  into  the  First  Amendment  to  License  Agreement  (the  “First  Amendment”),  by  and between  the  Company  and
Bellco, which amends the License Agreement, entered into as of July 1, 2011. As a result of the amendment, the Company will receive a total of €450,000 in
upfront fees in connection with the First Amendment, half of which were paid on February 19, 2014, and the other half of which are payable on March 31,
2014. See Note 12, Commitments and Contingencies for further discussion.  

On February 4, 2013 and November 12, 2013, the Company issued senior secured notes to Lambda Investors LLC in the principal amount of $1.3 million and
$1.5 million, respectively. As of December 31, 2013, the $1.5 million note is outstanding. The $1.3 million note was repaid on May 22, 2013.  For a more
detailed discussion of the terms of the senior secured notes, see Note 6, Senior Secured Notes.

On March 21, 2014 the Company completed a rights offering which resulted in gross proceeds of $2.1 million. See Note 14, Subsequent Events, for further
discussion.

There  can  be  no  assurance  that  the  Company’s  future  cash  flow  will  be  sufficient  to  meet  its  obligations  and  commitments.  If  the  Company  is  unable  to
generate sufficient cash flow from operations in the future to service its commitments the Company will be required to adopt alternatives, such as seeking to
raise debt or equity capital, curtailing its planned activities or ceasing its operations. There can be no assurance that any such actions could be effected on a
timely basis or on satisfactory terms or at all, or that these actions would enable the Company to continue to satisfy its capital requirements.

Cash and Cash Equivalents

The Company invests its excess cash in bank deposits and money market accounts.  The Company considers all highly liquid investments purchased with
original maturities of three months or less from the date of purchase to be cash equivalents.  Cash equivalents are carried at fair value, which approximate
cost, and primarily consist of money market funds maintained at major U.S. financial institutions.

Accounts Receivable

The  Company  provides  credit  terms  to  customers  in  connection  with  purchases  of  the  Company’s  products.  Management  periodically  reviews  customer
account activity in order to assess the adequacy of the allowances provided for potential collection issues and returns. Factors considered include economic
conditions, each customer’s payment and return history and credit worthiness. Adjustments, if any, are made to reserve balances following the completion of
these reviews to reflect management’s best estimate of potential losses.  There were no allowances for doubtful accounts at December  31,  2013  or  2012. 
There was no allowance for sales returns at December 31, 2013 or 2012.  There were no write offs of accounts receivable to bad debt expense during 2013 or
2012.

Inventory

The Company engages third parties to manufacture and package inventory held for sale, takes title to certain inventory once manufactured, and warehouses
such goods until packaged for final distribution and sale. Inventory consists of finished goods and raw materials (fiber) held at the manufacturers’ facilities,
and  are  valued  at  the  lower  of  cost  or  market  using  the  first-in,  first-out  method.  The  Company’s  inventory  reserve  requirements  are  based  on  factors
including the products’ expiration date and estimates for the future sales of the product. If estimated sales levels do not materialize, the Company will make
adjustments to its assumptions for inventory reserve requirements.

37

   
 
 
 
 
 
 
 
 
 
 
 
 
 
  
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 2 - Summary of Significant Accounting Policies (continued)

In March 2014, the Company requested the closeout of its October 2013 voluntary product recall.  The Company has fully reserved the recalled product and
will destroy the respective product by April 20, 2014.

Patents

The  Company  has  filed  numerous  patent  applications  with  the  United  States  Patent  and  Trademark  Office  and  in  foreign  countries.  All  costs  and  direct
expenses incurred in connection with patent applications have been expensed as incurred.

Property and Equipment, net

Property and equipment, net is stated at cost less accumulated depreciation.  These assets are depreciated over their estimated useful lives of three to seven
years using the straight line method.

Impairment for Long-Lived Assets

The Company adheres to Accounting Standards Codification (“ASC”) Topic 360 and periodically evaluates whether current facts or circumstances indicate
that  the  carrying  value  of  its  depreciable  assets  to  be  held  and  used  may  be  recoverable.  If  such  circumstances  are  determined  to  exist,  an  estimate  of
undiscounted  future  cash  flows  produced  by  the  long-lived  assets,  or  the  appropriate  grouping  of  assets,  is  compared  to  the  carrying  value  to  determine
whether impairment exists. If an asset is determined to be impaired, the loss is measured based on the difference between the asset’s fair value and its carrying
value.  An  estimate  of  the  asset’s  fair  value  is  based  on  quoted  market  prices  in  active  markets,  if  available.  If  quoted  market  prices  are  not  available,  the
estimate of fair value is based on various valuation techniques, including a discounted value of estimated future cash flows. The Company reports an asset to
be disposed of at the lower of its carrying value or its estimated net realizable market value. There were no impairment losses for long-lived assets recorded
for the years ended December 31, 2013 and December 31, 2012.

Fair Value of Financial Instruments

The carrying amounts of cash and cash equivalents, accounts receivable, accounts payable and accrued expenses approximate fair value due to the short-term
maturity of these instruments.

Revenue Recognition

Revenue is recognized in accordance with ASC Topic 605.  Four basic criteria must be met before revenue can be recognized: (i) persuasive evidence of an
arrangement  exists;  (ii)  delivery  has  occurred  or  services  have  been  rendered;  (iii)  the  fee  is  fixed  or  determinable;  and  (iv)  collectability  is  reasonably
assured.

The Company recognizes revenue related to product sales when delivery is confirmed by its external logistics provider and the other criteria of ASC Topic
605 are met. Product revenue is recorded net of returns and allowances.  All costs and duties relating to delivery are absorbed by Nephros. All shipments are
currently received directly by the Company’s customers.

Deferred  revenue  was  approximately  $703,000  and  $1,414,000  on  the  accompanying  consolidated  balance  sheets  as  of  December  31,  2013  and  2012,
respectively, and is related to the License Agreement with Bellco. The Company has recognized approximately $1,756,000 of revenue related to this license
agreement to date, including approximately $711,000 for the year ended December 31, 2013, resulting in $703,000 being deferred over the remainder of the
expected obligation period. The Company amortizes the deferred revenue monthly over the expected obligation period which ends on December 31, 2014.
This will result in expected recognized revenue of approximately $703,000 for each of the year ending December 31, 2014. Total payments of approximately 
$2,459,000, including the  final payment of approximately $791,000  received in January 2013, were related to the License Agreement with Bellco.  

Shipping and Handling Costs

Shipping and handling costs are recorded as cost of goods sold and are approximately $30,000 and $33,000 for the years ended December 31, 2013 and 2012,
respectively.

38

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 2 - Summary of Significant Accounting Policies (continued)

Research and Development Costs

Research and development costs are expensed as incurred.

Stock-Based Compensation

The Company accounts for stock-based compensation in accordance with ASC Topic 718 by recognizing the fair value of stock-based compensation in the
consolidated statement of operations and  comprehensive  loss.    The  fair  value  of  the  Company’s  stock  option  awards  are  estimated  using  a  Black-Scholes
option  valuation  model.  This  model  requires  the  input  of  highly  subjective  assumptions  and  elections  including  expected  stock  price  volatility  and  the
estimated  life  of  each  award.  In  addition,  the  calculation  of  compensation  costs  requires  that  the  Company  estimate  the  number  of  awards  that  will  be
forfeited during the vesting period. The fair value of stock-based awards is amortized over the vesting period of the award.  For stock-based awards that vest
based on performance conditions (e.g. achievement of certain milestones), expense is recognized when it is probable that the condition will be met.

Amortization of Debt Issuance Costs

The Company accounts for debt issuance costs in accordance with ASC 835, which requires that costs paid directly to the issuer of  the notes be reported in
the balance sheet as a debt discount and amortized over the term of the associated debt. Debt issuance costs of $399,000 for the year ended December 31,
2013 are associated with the senior secured notes issued to Lambda Investors LLC on February 4, 2013 and November 12, 2013. Approximately $257,000 of
these  costs  were  amortized  as  of  December  31,  2013  and  are  included  in  amortization  of  debt  discount  on  the  consolidated  statements  of  operations  and
comprehensive loss. There were no debt issuance costs for the year ended December 31, 2012.

Other Income (Expense), net

Other income (expense), net, of approximately $33,000 includes approximately $50,000 of other expense for the year ended December 31, 2013, primarily
due to approximately $36,000 related to foreign currency losses and approximately $14,000 related to the May  2013  rights  offering  warrant  modification.
Other expense was partially offset by other income of approximately $17,000, which consisted primarily of a refund of approximately $15,000 received as a
result of the Steris agreement termination. Other income (expense), net, in the amount of approximately $14,000 for the year ended December 31, 2012 is due
primarily to approximately $18,000  in  write-offs  of  old  vendor  invoices  which  are  no  longer  due,  offset  partially  by  approximately  $4,000  of  net  foreign
currency losses on invoices paid to and due to an international supplier.

Income Taxes

The  Company  accounts  for  income  taxes  in  accordance  with  ASC  Topic  740,  which  requires  accounting  for  deferred  income  taxes  under  the  asset  and
liability method. Deferred income taxes are recognized for the tax consequences of temporary differences by applying enacted statutory tax rates applicable in
future years to differences between the financial statement carrying amounts and the tax basis of existing assets and liabilities.

For financial reporting purposes, the Company has incurred a loss in each period since its inception. Based on available objective evidence, including the
Company’s  history  of  losses,  management  believes  it  is  more  likely  than  not  that  the  net  deferred  tax  assets  will  not  be  fully  realizable.  Accordingly,  the
Company provided for a full valuation allowance against its net deferred tax assets at December 31, 2013 and 2012.

ASC Topic 740 prescribes, among other things, a recognition threshold and measurement attributes for the financial statement recognition and measurement
of uncertain tax positions taken or expected to be taken in a company’s income tax return.  ASC 740 utilizes a two-step approach for evaluating uncertain tax
positions.  Step one, or recognition, requires a company to determine if the weight of available evidence indicates a tax position is more likely than not to be
sustained  upon  audit,  including  resolution  of  related  appeals  or  litigation  processes,  if  any.    Step  two,  or  measurement,  is  based  on  the  largest  amount  of
benefit, which is more likely than not to be realized on settlement with the taxing authority.  The Company is subject to income tax examinations by major
taxing  authorities  for  all  tax  years  subsequent  to  2010.    The  adoption  of  the  provisions  of  ASC  740  did  not  have  a  material  impact  on  the  Company’s
consolidated financial statements.  During the years ended December 31, 2013 and 2012, the Company recognized no adjustments for uncertain tax positions. 
However, management’s conclusions regarding this policy may be subject to review and adjustment at a later date based on factors including, but not limited
to, on-going analyses of and changes to tax laws, regulation and interpretations, thereof.

39

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 2 - Summary of Significant Accounting Policies (continued)

Loss per Common Share

In accordance with ASC 260-10, net loss per common share amounts (“basic EPS”) are computed by dividing net loss attributable to common stockholders
by the weighted-average number of common shares outstanding and excluding any potential dilution. Net loss per common share amounts assuming dilution
(“diluted  EPS”)  is  generally  computed  by  reflecting  potential  dilution  from  conversion  of  convertible  securities  and  the  exercise  of  stock  options  and
warrants. The following securities have been excluded from the dilutive per share computation as they are antidilutive:

Stock options
Warrants
Unvested restricted stock

Foreign Currency Translation

2013
2,410,134      
13,887,598      
75,450      

2012
2,294,714  
14,679,971  
-  

Foreign currency translation is recognized in accordance with ASC Topic 830.  The functional currency of Nephros International Limited is the Euro and its
translation gains and losses are included in accumulated other comprehensive income. The balance sheet is translated at the year-end rate. The statement of
operations is translated at the weighted average rate for the year.

Comprehensive Income (Loss)

Comprehensive income (loss), as defined in ASC 220,  is the total of net income (loss) and all other non-owner changes in equity (or other comprehensive
income (loss)) such as foreign currency translation adjustments. For the years ended December 31, 2013 and 2012, the comprehensive loss was approximately
$3,700,000 and $3,235,000, respectively.

Recently Adopted Accounting Pronouncements

There were no recent accounting pronouncements that are expected to have an effect on the Company’s consolidated financial statements.

40

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
   
   
   
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 3 - Inventory

The Company’s inventory components as of December 31, 2013 and 2012 were as follows:

Total Gross Inventory, Finished Goods
Less: Inventory reserve
Total Inventory

Note 4 - Prepaid Expenses and Other Current Assets

Prepaid expenses and other current assets as of December 31, 2013 and 2012 were as follows:

Prepaid insurance premiums
Security deposit
Other
Prepaid expenses and other current assets

Note 5 - Property and Equipment, Net

Property and equipment as of December 31, 2013 and 2012 was as follows:

December 31,

2013

527,000     $
(365,000)     
162,000     $

2012

581,000  
(269,000) 
312,000  

  $

  $

December 31,

2013

2012

  $

  $

70,000   $
21,000    
34,000    
125,000   $

78,000  
21,000  
10,000  
109,000  

Manufacturing equipment
Research equipment
Computer equipment
Furniture and fixtures
Property and equipment, gross
Less: accumulated depreciation
Property and equipment, net

Life
    3-5 years
    5 years
    3-4 years
    7 years

December 31,

2013

2012

  $

  $

599,000     $
37,000      
59,000      
39,000      
734,000      
727,000      
7,000     $

602,000  
37,000  
59,000  
39,000  
737,000  
721,000  
16,000  

Depreciation  expense  for  each  of  the  years  ended  December  31,  2013  and  2012  was  $9,000,    including  amortization  expense  relating  to  research  and
development assets.

During  2013,  the  Company  sold  fully  depreciated  equipment  totaling  approximately  $3,000  which  is  reflected  as  gain  on  sale  of  equipment  on  the
consolidated  statements  of  operations  and  comprehensive  loss.  During  2012,  the  Company  agreed  to  sell  its  manufacturing  equipment  to  Medica  for
approximately  €42,500,  or  $55,000.  All  assets  at  the  manufacturing  plant  were  fully  depreciated  as  of  the  date  of  the  sale.  Approximately  €42,500,  or
$55,000, is recognized as gain on sale of equipment on the consolidated statements of operations and comprehensive loss for the year ended December 31,
2012.

41

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
   
 
 
 
 
 
 
 
   
   
 
   
 
 
 
 
 
   
 
   
   
   
     
   
     
   
     
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 6 – Senior Secured Notes

On February 4, 2013, the Company issued a senior secured note to Lambda Investors LLC in the principal amount of $1.3 million. The note bore interest at
the rate of 12% per annum and was scheduled to mature on August 4, 2013, at which time all principal and accrued interest was due. However, the Company
paid amounts due under the note on May 22, 2013 with the cash proceeds from the rights offering that closed in May 2013.  In connection with the note, the
Company  paid  Lambda  Investors  an  8%,  or  $104,000,  sourcing/transaction  fee.  In  addition,  the  Company  paid  Lambda  Investors’  legal  fees  and  other
expenses incurred in connection with the note in the amount of $50,000 as well as Lambda Investors’ legal fees and other expenses incurred in connection
with the May 2013 rights offering in the amount of $50,000.  Those payments totaling $204,000 are reflected as amortization of debt discount. 

On November 12, 2013, the Company issued a senior secured note to Lambda Investors LLC in the principal amount of $1.5 million. The note bore interest at
the rate of 12% per annum and was scheduled to mature on May 12, 2014, at which time all principal and accrued interest was due. However, the Company
paid amounts due under the note on March 18, 2014 with the cash proceeds from the rights offering that closed in March 2014. In connection with the note,
the Company paid Lambda Investors an 8%, or $120,000, sourcing/transaction fee. In addition, the Company paid Lambda Investors’ legal fees and other
expenses  incurred  in  connection  with  the  note  in  the  amount  of  $75,000.  Those  payments  totaling  $195,000  were  made  on  November  12,  2013  and  are
reflected as a debt discount which is being amortized over the term of the senior secured note. Approximately $53,000 is reflected as amortization of debt
discount on the consolidated statements of operations and comprehensive loss for the year the ended December 31, 2013.

On March 21, 2014 the Company completed a rights offering which resulted in gross proceeds of $2.1 million.  A portion of the proceeds was used for the
repayment of a $1.5 million note, plus all accrued interest thereon of $61,000.  See Note 13, Subsequent Events, for further discussion.

Note 7 - Accrued Expenses

Accrued expenses as of December 31, 2013 and 2012 were as follows:

Accrued Legal
Accrued Product Recall
Accrued Directors’ Compensation
Accrued Management Bonus
Accrued Interest
Accrued Travel
Accrued Other
Accrued Expenses

42

December 31,

2013

149,000     $
60,000      
-      
81,000      
39,000      
-      
36,000      
365,000     $

2012

90,000  

77,000  
-  
-  
84,000  
70,000  
321,000  

  $

  $

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
   
  
   
   
   
   
   
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 8 - Income Taxes

A reconciliation of the income tax provision computed at the statutory tax rate to the Company’s effective tax rate is as follows:

U.S. federal statutory rate
State & local taxes
Tax on foreign operations
State research and development credits
Other
Valuation allowance
Effective tax rate

2013

2012

35.00 %  
5.22 %  
0.40 %  
1.09 %  
(3.00) %  
(38.71) %  

-  

35.00 %
5.36 %
(0.78)%
1.06 %
(2.29)%
(38.35)%

-  

Significant components of the Company’s deferred tax assets as of December 31, 2013 and 2012 are as follows:

Deferred tax assets:
Net operating loss carry forwards
Research and development credits
Nonqualified stock option compensation expense
Other temporary book - tax differences
Total deferred tax assets
Valuation allowance for deferred tax assets
Net deferred tax assets

2013

2012

  $

  $

27,029,000     $
1,096,000      
1,801,000      
408,000      
30,334,000      
(30,334,000)     
-     $

25,721,000  
1,054,000  
1,701,000  
441,000  
28,917,000  
(28,917,000) 
-  

A valuation allowance has been recognized to offset the Company’s net deferred tax asset as it is more likely than not that such net asset will not be realized.
The Company primarily considered its historical loss and potential Internal Revenue Code Section 382 limitations to arrive at its conclusion that a valuation
allowance was required.

At December 31, 2013, the Company had Federal and New Jersey income tax net operating loss carryforwards of $87,292,000 and foreign income tax net
operating  loss  carryforwards  of  $8,305,000.  The  Company  also  had  Federal  research  tax  credit  carryforwards  of  $1,096,000  at  December  31,  2013  and
$1,054,000 at December 31, 2012. The Federal net operating loss and tax credit carryforwards will expire at various times between 2014 and 2026 unless
utilized.

It is the Company’s policy to report interest and penalties, if any, related to unrecognized tax benefits in income tax expense.

43

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
 
 
 
   
 
   
      
  
   
   
   
   
   
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 9 - Stock Plans, Share-Based Payments and Warrants

Stock Plans

In 2000, the Company adopted the Nephros 2000 Equity Incentive Plan. In January 2003, the Board of Directors adopted an amendment and restatement of
the plan and renamed it the Amended and Restated Nephros 2000 Equity Incentive Plan (the “2000 Plan”), under which 106,538 shares of common stock had
been authorized for issuance upon exercise of options granted.

As  of  December  31,  2013  and  2012,  831  and  2,053 options, respectively,  had  been  issued  to  non-employees  under  the  2000  Plan  and  were  outstanding.
During the twelve months ended December 31, 2013, 1,222 non-employee options expired.  The remaining outstanding options, all of which are fully vested,
will expire on March 15, 2014. As of December 31, 2013 and 2012, 2,003 and 7,230 options, respectively, had been issued to employees under the 2000 Plan
and were outstanding. During the twelve months ended December 31, 2013, 5,227 employee options expired.  The remaining employee options, all of which
are fully vested, will expire on March 15, 2014.

The Board retired the 2000 Plan in June 2004, and thereafter no additional awards may be granted under the 2000 Plan.

In  2004,  the  Board  of  Directors  adopted  and  the  Company’s  stockholders  approved  the  Nephros,  Inc.  2004  Stock  Incentive  Plan.  During  the  year  ended
December 31, 2013, the Company’s stockholders approved an amendment to such plan (as amended, the “2004 Plan”), that increased the number of shares of
the Company’s common stock that are authorized for issuance by the Company pursuant to grants of awards under the 2004 Plan to 4,500,000.

As of December 31, 2013, 1,360,059 options had been issued to employees under the 2004 Plan and were outstanding. The options expire on various dates
between April 27, 2015 and March 24, 2021, and vest upon a combination of the following: immediate vesting or straight line vesting of two or four years. At
December 31, 2013, there were 2,407,318 shares available for future grants under the 2004 Plan. As of December 31, 2013, 715,692 options had been issued
to non-employees under the 2004 Plan and were outstanding. Such options expire at various dates between November 11, 2014 and November 18, 2021, and
vest upon a combination of the following: immediate vesting or straight line vesting of two or four years. In addition, 331,550 options were issued in 2012 to
the Company’s CEO per terms of his employment agreement and are outstanding as of December 31, 2013.

As of December 31, 2012, 1,316,628 options had been issued to employees under the 2004 Plan and were outstanding. The options expire on various dates
between April 27, 2015 and May 23, 2023, and vest upon a combination of the following: immediate vesting or straight line vesting of two to four years. At
December 31, 2012, there were 19,904 shares available for future grants under the 2004 Plan. As of December 31, 2012, 637,253 options had been issued to
non-employees under the 2004 Plan and were outstanding. Such options expire at various dates between November 11, 2014 and December 31, 2023, and
vest upon a combination of the following: immediate vesting or straight line vesting of two to four years.

Share-Based Payment

Prior to the Company’s initial public offering, options were granted to employees, non-employees and non-employee directors at exercise prices which were
lower than the fair market value of the Company’s stock on the date of grant. After the date of the Company’s initial public offering, stock options are granted
to employees, non-employees and non-employee directors at exercise prices equal to the fair market value of the Company’s stock on the date of grant. Stock
options granted have a life of 10 years. 

Expense is recognized, net of expected forfeitures, over the vesting period of the options. For options that vest upon the achievement of certain milestones,
expense is recognized when it is probable that the condition will be met. Stock based compensation expense recognized for the years ended December 31,
2013 and 2012 was approximately $418,000 or less than $0.03 per share and approximately $443,000 or less than $0.04 per share, respectively.

44

 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 9 - Stock Plans, Share-Based Payments and Warrants (continued) 

Gerald J. Kochanski, Chief Financial Officer, Treasurer and Corporate Secretary of Nephros, Inc., resigned effective June 15, 2013. The Company agreed, in
consideration of Mr. Kochanski providing certain consulting services to the Company, to extend the exercise period of his outstanding vested stock options
from  September  15,  2013  to  March  14,  2014.  This  modification  did  not  result  in  any  additional  compensation  expense.  In  addition,  as  a  result  of  Mr.
Kochanski’s resignation, 90,945 stock options that were granted to him were forfeited on June 15, 2013. Of these 90,945 stock options, 25,000 were granted
during the twelve month period ended December 31, 2013.

The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the below assumptions related to risk-
free interest rates, expected dividend yield, expected lives and expected stock price volatility.

Grant Year
Stock Price Volatility
Risk-Free Interest Rates
Expected Life (in years)
Expected Dividend Yield

Option Pricing Assumptions

2013
127.46-135.98 %   
1.09-1.75 %   
5.00-6.25  

0 %   

2012
123.48 –128.54 %  
..093-1.32 %  
5.75-62.5  

0 %  

Expected  volatility  is  based  on  historical  volatility  of  the  Company’s  common  stock  at  the  time  of  grant.  The  risk-free  interest  rate  is  based  on  the  U.S.
Treasury yields in effect at the time of grant for periods corresponding with the expected life of the options. For the expected life, the Company is using the
simplified  method  as  described  in  the  SEC  Staff  Accounting  Bulletin  107.  This  method  assumes  that  stock  option  grants  will  be  exercised  based  on  the
average of the vesting periods and the option’s life.

The total fair value of options vested during the fiscal year ended December 31, 2013 was approximately $519,000. The total fair value of options vested
during the fiscal year ended December 31, 2012 was approximately $506,000.

The following table summarizes information about stock options outstanding and exercisable at December 31, 2013:

Options Outstanding

Options Exercisable

Number 
Outstanding as 
of December 
31, 2013

Weighted 
Average 
Remaining 
Contractual 
Life in 
Years

Weighted 
Average 
Exercise 
Price

Number 
Exercisable as 
of 
December 31, 
2013

Weighted 
Average 

Exercise Price  

2,374,514    
27,909    
7,711    

8.16   $
4.58   $
1.38   $

0.93    
17.82    
51.49    

1,349,579   $
27,909   $
7,711   $

2,410,134    

   $

1.28    

1,385,199   $

0.83  
17.82  
51.49  

1.46  

Range of Exercise 
Price

$0.41 - $2.60
$15.00 - $29.80
$34.20-$96.00

Total Outstanding

The number of new options granted in 2013 and 2012 is 237,315 and 1,547,550, respectively. The weighted-average fair value of options granted in 2013 and
2012 is $0.56 and $1.03, respectively.

45

 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
   
 
   
   
   
   
   
   
 
   
 
 
 
 
 
 
 
 
 
 
   
    
    
    
    
  
   
   
   
 
   
    
    
    
    
  
   
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 9 - Stock Plans, Share-Based Payments and Warrants (continued)

The following table summarizes the option activity for the year ended December 31, 2013:

Outstanding at December 31, 2012
Options granted
Options exercised
Options forfeited or expired
Outstanding at December 31, 2013
Exercisable at December 31, 2013
Vested and expected to vest at December 31, 2013

Weighted 
Average 
Exercise 
Price

2.14  
0.64  
-  
3.27  
1.28  
1.46  
1.29  

Shares

2,294,714   $  
237,315      
-      
(121,895)     
2,410,134   $  
1,385,199   $  
2,350,688   $  

The aggregate intrinsic value of stock options outstanding at December 31, 2013 is $0 and of stock options vested or expected to vest is approximately $0. A
stock  option  has  intrinsic  value,  at  any  given  time,  if  and  to  the  extent  that  the  exercise  price  of  such  stock  option  is  less  than  the  market  price  of  the
underlying common stock at such time. The weighted-average remaining contractual life of options vested or expected to vest is 8.1 years.

The aggregate intrinsic value of stock options outstanding at December 31, 2012 is $793,000 and of stock options vested or expected to vest is approximately
$768,000. A stock option has intrinsic value, at any given time, if and to the extent that the exercise price of such stock option is less than the market price of
the underlying common stock at such time. The weighted-average remaining contractual life of options vested or expected to vest is 8.9 years. 

As  of  December  31,  2013,  the  total  remaining  unrecognized  compensation  cost  related  to  non-vested  stock  options  amounted  to  $727,000  and  will  be
amortized over the weighted-average remaining requisite service period of 2.3 years.

Restricted Stock

The Company has issued restricted stock as compensation for the services of certain employees and non-employee directors.  The grant date fair value of
restricted stock was based on the fair value of the common stock on the date of grant, and compensation expense is recognized based on the period in which
the restrictions lapse. 

The following table summarizes restricted stock activity for the year end December 31, 2013:

Nonvested at December 31, 2012
Granted
Vested
Forfeited
Nonvested at December 31, 2013

46

Weighted 
Average 
Grant Date 
Fair Value

-  
0.73  
0.71  
0.88  
0.66  

Shares

-   $
398,227    
(264,770)   
(58,007)   
75,450   $

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
NEPHROS, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 9 - Stock Plans, Share-Based Payments and Warrants (continued)

Total stock-based compensation expense for the restricted stock was approximately $157,000 for the year ended December 31, 2013.    For the year ended
December 31, 2013, approximately $109,000 and approximately $48,000  are  included  in  Selling,  General  and  Administrative  expenses  and  Research  and
Development expenses, respectively, on the accompanying condensed consolidated statement of operations. The remaining expense related to the restricted
stock awards issued to non-employee directors of approximately $77,000 was recorded to offset accrued director’s fees that were incurred prior to December
31,  2012.  Any  additional  stock-based  compensation  related  to  non-employee  directors  will  be  recorded  to  stock-based  compensation  expense.  As  of
December 31, 2013, there was approximately $4,000 of unrecognized compensation expense related to the restricted stock awards, which is expected to be
recognized over the next six months.

Warrants

The following table summarizes certain terms of all of the Company’s outstanding warrants at December 31, 2013 and 2012: 

Total Outstanding Warrants at December 31, 2013

Title of Warrant

Date Issued

Expiry Date

  Exercise Price

Class D Warrants - Lambda
July 2009 Warrants
Shareholder Rights Offering Warrants
March 2011 Lambda Warrants

11/14/2007 
7/24/2009 
3/10/2011 
3/10/2011 

3/10/2017  $
7/24/2014  $
3/10/2016  $
3/10/2017  $

0.40    
22.40    
0.40    
0.40    

Total Common 
Shares Issuable

2013
8,806,575    
33,629    
2,264,817    
2,782,577    
13,887,598    

2012
8,806,575  
33,629  
3,057,190  
2,782,577  
14,679,971  

The weighted average exercise price of the outstanding warrants was $0.45 for December 31, 2013 and 2012. 

Following the closing of the rights offering in 2013, Lambda Investors’ existing warrants to purchase 8,806,575 shares that remain outstanding were amended
to expire on March 10, 2017.

The following table summarizes the Class D outstanding warrants at December 31, 2013 and 2012:

As of December 31, 2011
Exercised in 2012
Expired in 2012
As of December 31, 2012
Exercised in 2013
Expired in 2013
As of December 31, 2013

   Lambda Investors 

8,806,575    
-    
-    
8,806,575    
-    
-    
8,806,575    

Other Investors  Total Shares to be issued 
9,253,772  
(352,034) 
(95,163) 
8,806,575  
-  
-  
8,806,575  

447,197    
(352,034)   
(95,163)   
-    
-    
-    
-    

Class D warrant holders elected to exercise 352,034 of the outstanding Class D Warrants in 2012. As a result, 190,326 were exercised pursuant to the cashless
exercise provision of the warrant. In addition, 161,708 warrants were exercised resulting in proceeds of approximately $65,000. 

47

 
 
 
  
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
    
   
  
 
 
 
 
 
 
 
   
 
    
    
   
   
   
   
   
   
   
NEPHROS, INC. 

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 9 - Stock Plans, Share-Based Payments and Warrants (continued)

Warrants exercised during 2013 and 2012

In connection with the 2013 Rights Offering, the Company temporarily reduced the exercise price for its warrants issued in March 2011 from $0.40 per share
to $0.30 per share. The Company determined that this inducement was a modification of equity instruments and, therefore, an incremental fair value of the
inducement was determined using the Black-Scholes option pricing model.

During  the  period  that  the  2013  Rights  Offering  was  open,  warrant  holders  exercised  14,879,708  warrants,  issued  in  March  2011,  for  687,793  shares  of
common stock, resulting in gross proceeds of approximately $206,000 to the Company. The incremental fair value of the inducement recorded in the year
ended December 31, 2013 was approximately $14,000.

Additionally, during the twelve months ended December 31, 2013, 2,254,500 warrants were exercised outside the period that the 2013 Rights Offering was
open, resulting in proceeds of approximately $42,000 and the issuance of 104,206 shares of the Company’s common stock.

An additional 374 common shares were not issued as a result of warrant exercises for the year ended December 31, 2013 due to rounding.

Shareholders  exercised  23,720,667  warrants,  resulting  in  proceeds  of  approximately  $438,000  and  the  issuance  of  1,096,313  shares  of  the  Company’s
common stock for the year ended December 31, 2012.

Note 10 – Stockholders’ Equity

On March 4, 2013, the Company filed a Registration Statement on Form S-1 in connection with a $3 million rights offering (the “Rights Offering”).  On April
17, 2013, the Company’s Registration Statement on Form S-1 related to the Rights Offering was declared effective by the SEC.

The Rights Offering commenced on April 17, 2013 and expired on May 17, 2013.  All of the Company’s stockholders and warrant holders were eligible to
participate in the Rights Offering on a pro rata basis based upon their proportionate ownership of the Company’s common stock on a fully-diluted basis. 
Pursuant to the Rights Offering, the Company distributed to holders of its common stock and/or warrants one non-transferable subscription right for each
share of common stock, and each share of common stock underlying a warrant, held as of April 4, 2013.  Each right entitled the holder to purchase 0.18776 of
a share of the Company’s common stock at a subscription price of $0.60 per share.  The  Company  rounded  up  any  fractional  shares  to  the  nearest  whole
share.

On May 22, 2013, the Company completed its Rights Offering which resulted in the issuance of 5,000,000 shares for gross proceeds of $3.0 million.  The
aggregate net proceeds were approximately $1.4 million, after deducting the repayment of the $1.3 million February 2013 senior secured note, plus $46,800
of accrued interest thereon, issued to Lambda Investors, LLC, the payment of an 8% sourcing transaction fee of $104,000 with respect to the February 2013
senior secured note and an aggregate of $100,000 for reimbursement of Lambda Investors’ legal fees incurred in connection with the February 2013 senior
secured note and the Rights Offering. Those payments totaling $204,000 are reflected as amortization of debt discount.

Note 11 - 401(k) Plan

The Company has established a 401(k) deferred contribution retirement plan (the “401(k) Plan”) which covers all employees. The 401(k) Plan provides for
voluntary employee contributions of up to 15% of annual earnings, as defined. As of January 1, 2004, the Company began matching 100% of the first 3% and
50% of the next 2% of employee earnings to the 401(k) Plan. The Company contributed and expensed $46,000 and $49,000 in 2013 and 2012, respectively.

48

 
 
 
 
 
 
 
 
 
 
 
 
 
 
NEPHROS, INC. 

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 

Note 12 - Commitments and Contingencies

Manufacturing and Suppliers

The  Company  has  not  and  does  not  intend  in  the  near  future,  to  manufacture  any  of  its  products  and  components.  With  regard  to  the  OLpur  MD190  and
MD220, on June 27, 2011, the Company entered into a license agreement, effective July 1, 2011, with Bellco S.r.l., an Italy-based supplier of hemodialysis
and intensive care products, for the manufacturing, marketing and sale of our patented mid-dilution dialysis filters (MD 190, MD 220), referred to herein as
the Products. Under the agreement, Nephros granted Bellco a license to manufacture, market and sell the Products under its own name, label and CE mark in
Italy, France, Belgium, Spain and Canada on an exclusive basis, and to do the same on a non-exclusive basis in the United Kingdom and Greece and, upon
our  written  approval,  other  European  countries  where  the  Company  does  not  sell  the  Products  as  well  as  non-European  countries  (referred  to  as  the
“Territory”).

On February 19, 2014, the Company entered into the First Amendment to License Agreement (the “First Amendment”), by and between the Company and
Bellco, which amends the License Agreement, entered into as of July 1, 2011 by and between the Company and Bellco.  Pursuant to the First Amendment, the
Company  and  Bellco  agreed  to  extend  the  term  of  the  License  Agreement  through  December  31,  2021.  The  First  Amendment  also  expands  the  Territory
covered by the License Agreement to include Sweden, Denmark, Norway, Finland, Korea, Mexico, Brazil, China and the Netherlands. The First Amendment
further provides new minimum sales targets which, if not satisfied, will, at the discretion of the Company, result in conversion of the license to non-exclusive
status.  The  Company  has  agreed  to  reduce  the  fixed  royalty  payment  payable  to  the  Company  for  the  period  beginning  on  January  1,  2015  through  and
including December 31, 2021. Beginning on January 1, 2015 through and including December 31, 2016, Bellco will pay us a royalty based on the number of
units of Products sold per year in the Territory as follows: for the first 125,000 units sold,  €1.75 per unit; thereafter, €1.25 per unit.  In addition, the Company
will receive a total of €450,000 in upfront fees in connection with the First Amendment, half of which were paid on February 19, 2014, and the other half of
which are payable on March 31, 2014. In addition, the First Amendment provides that, in the event that the Company pursues a transaction to sell, assign or
transfer all right, title and interest to the licensed patents to a third party, the Company will provide Bellco with written notice thereof and a right of first offer
with respect to the contemplated transaction for a period of thirty (30) days.

License and Supply Agreement

On April 23, 2012, the Company entered into a License and Supply Agreement (the “License and Supply Agreement”) with Medica S.p.A. (“Medica”), an
Italy-based medical product manufacturing company, for the marketing and sale of certain filtration products based upon Medica’s proprietary Medisulfone
ultrafiltration technology in conjunction with the Company’s filtration products (collectively, the “Filtration Products”), and to engage in an exclusive supply
arrangement  for  the  Filtration  Products.  Under  the  License  and  Supply  Agreement,  Medica  granted  to  the  Company  an  exclusive  license,  with  right  of
sublicense, to market, promote, distribute, offer for sale and sell the Filtration Products worldwide, excluding Italy for the first three years, during the term of
the License and Supply Agreement. In addition, the Company granted to Medica an exclusive license under the Company’s intellectual property to make the
Filtration Products during the term of the License and Supply Agreement. In exchange for the rights granted, the Company has agreed to make minimum
annual aggregate purchases from Medica of €300,000, €500,000 and €750,000 for the years 2012, 2013 and 2014, respectively. In the year ended December
31, 2013 the Company’s aggregate purchase commitments totaled approximately €532,000. For calendar years thereafter, annual minimum amounts will be
mutually agreed upon between Medica and the Company.

In exchange for the license, the Company paid Medica  €1,500,000 in three installments: €500,000 on April 23, 2012, €600,000 on February 4,  2013,  and
€400,000  on  May  23,  2013. As  further  consideration  for  the  license  and  other  rights  granted  to  the  Company,  the  Company  granted  Medica  options  to
purchase 300,000  shares  of  the  Company’s  common  stock.  The  fair  market  value  of  these  stock  options  was  approximately  $273,000  at  the  time  of  their
issuance,  calculated  as  described  in  Note  2  under  Stock-Based  Compensation.  The  fair  market  value  of  the  options  has  been  capitalized  as  a  long-term
intangible asset along with the total installment payments described. Other long-term assets on the consolidated balance sheet is approximately $1,894,000,
net of $356,000 accumulated amortization, and is related to the License and Supply Agreement. The asset is being amortized as an expense over the life of the
agreement.  Approximately  $214,000  and  $142,000  have  been  charged  to  amortization  expense  for  the  years  ended  December  31,  2013  and  2012,
respectively, on the consolidated statement of operations and comprehensive loss. Approximately $208,000 of amortization expense will be recognized in the
years ended December 31, 2014 and 2015, respectively. In addition, for the period beginning April 23, 2014 through December 31, 2022, the Company will
pay Medica a royalty rate of 3% of net sales of the Filtration Products sold, subject to reduction as a result of a supply interruption pursuant to the terms of the
License and Supply Agreement. The term of the License and Supply Agreement commenced on April 23, 2012 and continues in effect through December 31,
2022, unless earlier terminated by either party in accordance with the terms of the License and Supply Agreement.

49

 
 
 
 
 
                   
 
 
 
 
NEPHROS, INC. 

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 

Note 12 - Commitments and Contingencies (continued)

As of September 2013, we have an understanding with Medica whereby we have agreed to pay interest to Medica at a 12% annual rate calculated on the
principal amount of any outstanding invoices that are not paid pursuant to the original payment terms.

Employment Agreement

On  April  20,  2012,  the  Company  entered  into  an  Employment  Agreement,  effective  as  of  April  20,  2012,  with  John  C.  Houghton  (“Employment
Agreement”). The Employment Agreement has a term of four years, ending on April 20, 2016. The Employment Agreement provides that Mr. Houghton’s
annual base salary will be $350,000. Mr. Houghton will be eligible to receive a target discretionary bonus of 30% of annual base salary, as determined by the
Company.

Contractual Obligations

The  Company  had  an  operating  lease  that  expired  on  November  30,  2013  for  the  rental  of  its  U.S.  office  and  research  and  development  facilities  with  a
monthly cost of approximately $8,000.  On  July  25,  2013,  the  Company  signed  a  one  year  lease  extension  for  the  same  office  space  which  will  expire  on
November 30, 2014 with a monthly cost of approximately $8,000 beginning December 1, 2013.

Rent expense for the years ended December 31, 2013 and 2012 totaled $108,000 and $109,000, respectively.

Contractual Obligations and Commercial Commitments

The following tables summarize our approximate minimum contractual obligations and commercial commitments as of December 31, 2013:

Leases
Employment Contracts
Total

Product Recall

Total

Within 
1 Year

Payments Due in Period
Years 
1 - 3

Years 
4 - 5

More than 
5 Years

  $

  $

108,000   $
788,000    
896,000   $

100,000   $
350,000    
450,000   $

8,000   $
438,000    
446,000   $

-   $
-    
-   $

-  
-  
-  

On  October  30,  2013,  the  Company  filed  a  Current  Report  on  Form  8-K  announcing  the  voluntary  recalls  of  its  point  of  use  (POU)  and  DSU  in-line
ultrafilters used in hospital water treatment applications.  As a result, the Company has recalled all production lots of its POU filters, and also requested that
customers  remove  and  discard  certain  labeling/promotional  materials  for  the  products.    In  addition,  the  Company  also  requested,  for  the  DSU  in-line
ultrafilter, that customers remove and discard certain labeling/promotional materials for the product.  These voluntary recalls do not affect the Company’s
dialysis products.  The consolidated financial statements for the year ended December 31, 2013 include product revenues and cost of goods sold adjustments
of approximately $216,00 and $110,000, respectively, reflecting estimates of the financial impact of product recalled to the Company.  This recall and the
related  circumstances  could  subject  the  Company  to  claims  or  proceedings  by  consumers,  the  FDA  or  other  regulatory  authorities  which  may  adversely
impact the Company’s sales and revenues.  The Company has fully reserved the recalled product and will destroy the respective product by April 20, 2014.

50

 
 
 
 
 
 
 
 
 
 
     
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
    
    
    
    
  
   
Note 13 - Concentration of Credit Risk

NEPHROS, INC. 

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 

Cash and cash equivalents are financial instruments which potentially subject the Company to concentrations of credit risk. The Company deposits its cash in
financial institutions. At times, such deposits may be in excess of insured limits. To date, the Company has not experienced any impairment losses on its cash
and cash equivalents.

Major Customers

For the years ended December 31, 2013 and 2012, three customers accounted for 86% and 68%,  respectively,  of  the  Company’s  sales.    In  addition,  as  of
December 31, 2013 and 2012, those three customers accounted for 97% and 88%, respectively, of the Company’s accounts receivable.

Note 14 - Subsequent Events

On March 24, 2014, the Company announced the completion of a rights offering that resulted in gross proceeds of $2.1 million and the issuance of 7,140,822
shares of common stock. A portion of the proceeds was used for the repayment of the $1.5 million note issued to Lambda Investors LLC in November 2013
in connection with its loan to the Company, plus $61,000 of accrued interest thereon. The Company issued a total of 7,140,822 shares of common stock to the
holders of subscription rights who validly exercised their subscription rights, which represents 77% of the total shares offered in the rights offering.

On February 19, 2014, the Company entered into the First Amendment to License Agreement (the “First Amendment”), by and between the Company and
Bellco, which amends the License Agreement, entered into as of July 1, 2011 by and between the Company and Bellco.  Pursuant to the First Amendment, the
Company  and  Bellco  agreed  to  extend  the  term  of  the  License  Agreement  through  December  31,  2021.  The  First  Amendment  also  expands  the  Territory
covered by the License Agreement to include Sweden, Denmark, Norway, Finland, Korea, Mexico, Brazil, China and the Netherlands. The First Amendment
further provides new minimum sales targets which, if not satisfied, will, at the discretion of the Company, result in conversion of the license to non-exclusive
status.  The  Company  has  agreed  to  reduce  the  fixed  royalty  payment  payable  to  the  Company  for  the  period  beginning  on  January  1,  2015  through  and
including December 31, 2021. The Company will receive a total of €450,000 in upfront fees in connection with the First Amendment, half of which were paid
on  February  19,  2014,  and  the  other  half  of  which  are  payable  on  March  31,  2014.  In  addition,  the  First  Amendment  provides  that,  in  the  event  that  the
Company pursues a transaction to sell, assign or transfer all right, title and interest to the licensed patents to a third party, the Company will provide Bellco
with written notice thereof and a right of first offer with respect to the contemplated transaction for a period of thirty (30) days.

51

 
 
 
 
 
 
 
 
 
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

There have been no changes in or disagreements with our accountants during 2013 or 2012.

Item 9A. Controls and Procedures

Disclosure Controls and Procedures

We  carried  out  an  evaluation  under  the  supervision  and  with  the  participation  of  our  management,  including  our  President,  Chief  Executive  Officer  and
Acting Chief Financial Officer (CEO and Acting CFO effectiveness of the design and operation of our disclosure controls and procedures, as such term is
defined  under  Rule  13a-15(e)  promulgated  under  the  Securities  Exchange  Act  of  1934  (the  “Exchange  Act”),  as  amended  for  financial  reporting  as  of
December 31, 2013. Based on that evaluation, our CEO and Acting CFO concluded that these controls and procedures are effective to ensure that information
required  to  be  disclosed  by  the  Company  in  reports  that  it  files  or  submits  under  the  Exchange  Act  is  recorded,  processed,  summarized,  and  reported  as
specified in Securities and Exchange Commission rules and forms. There were significant changes in these controls or procedures identified in connection
with the evaluation of such controls or procedures that occurred during 2013 based on the resignation of the former CFO and the CEO expansion of duties to
include acting CFO.  These changes were considered in the review of the internal control structure. 

Our disclosure controls and procedures are designed to ensure that information required to be disclosed by us in the reports that we file or submit under the
Exchange  Act  is  recorded,  processed,  summarized,  and  reported,  within  the  time  periods  specified  in  the  rules  and  forms  of  the  Securities  and  Exchange
Commission. These disclosure controls and procedures include, among other things, controls and procedures designed to ensure that information required to
be disclosed by us in the reports that we file under the Exchange Act is accumulated and communicated to our management, including our CEO and Acting
CFO, as appropriate to allow timely decisions regarding required disclosure.

Management’s Report on Internal Control Over Financial Reporting

Our management is responsible for establishing and maintaining adequate internal control over financial reporting.  Internal control over financial reporting is
defined in Rule 13a-15(f) and 15d-15(f) under the Exchange Act as a process designed by, or under the supervision of, the CEO and effected by the board of
directors and management to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for
external purposes in accordance with generally accepted accounting principles and includes those policies and procedures that: 

·
·

·

Pertain to the maintenance of records that in reasonable detail accurately and fairly reflect the transactions and dispositions of our assets;
Provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally
accepted  accounting  principles,  and  that  receipts  and  expenditures  of  the  company  are  being  made  only  in  accordance  with  authorizations  of  our
management and board of directors;
Provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of our assets that could have a
material effect on the financial statements.

Because  of  its  inherent  limitations,  internal  control  over  financial  reporting  may  not  prevent  or  detect  misstatements.    Projections  of  any  evaluation  of
effectiveness to future periods are subject to the risks that controls may become inadequate because of changes in conditions, or that the degree of compliance
with the policies or procedures may deteriorate.

Our  management  assessed  the  effectiveness  of  our  internal  control  over  financial  reporting  as  of  December  31,  2013.    In  making  this  assessment,  our
management  used  the  criteria  set  forth  by  the  Committee  of  Sponsoring  Organizations  of  the  Treadway  Commission  (COSO)  (1992)  in  Internal  Control-
Integrated Framework.

Based on our assessment, our management believes that, as of December 31, 2013, our internal control over financial reporting is effective.

Item 9B. Other Information  

Not applicable.

52

 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
PART III

Certain information required by Part III is omitted from this Annual Report on Form 10-K because we will file the 2014 Proxy Statement  within one hundred
twenty (120) days after the end of the fiscal year pursuant to Regulation 14A for our Annual Meeting of Stockholders currently being planned to occur in
May 2014, and the information included in the 2014 Proxy Statement is incorporated herein by reference.

Item 10. Directors, Executive Officers and Corporate Governance

The  information  set  forth  under  the  captions  “Proposal  No.  1  –  Election  of  Directors”,  “Corporate  Governance”  and  “Section  16(a)  Beneficial  Ownership
Reporting Compliance” in the 2014 Proxy Statement is incorporated herein by reference. 

Item 11. Executive Compensation

The information set forth under the caption “Compensation Matters” in the 2014 Proxy Statement is incorporated herein by reference.

Item 12.  Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

The information set forth under the captions “Stock Ownership of Management and Principal Shareholders” and “Compensation Matters” in the 2014 Proxy
Statement is incorporated herein by reference.  

Item 13. Certain Relationships and Related Transactions, and Director Independence

The information set forth under the captions “Corporate Governance” and “Certain Relationships and Related Transactions” in the 2014 Proxy Statement is
incorporated herein by reference.

Item 14. Principal Accounting Fees and Services

The information set forth under the caption “Proposal No. 2 – Ratification of Selection of Independent Registered Public Accounting Firm” in the 2014 Proxy
Statement is incorporated herein by reference.

53

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Item 15. Exhibits 

(a) Documents filed as part of this report:

(1) Consolidated Financial Statements of Nephros, Inc.
Report of independent registered public accounting firm.
Consolidated balance sheets as of December 31, 2013 and 2012.
Consolidated statements of operations for the years ended December 31, 2013 and 2012.
Consolidated statement of changes in stockholders’ equity for the years ended December 31, 2013, 2012, and 2011.
Consolidated statements of cash flows for the years ended December 31, 2013 and 2012.
Notes to consolidated financial statements.

54

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(b) Exhibits:

Exhibit
No.
3.1

3.2

3.3

3.4

3.5

3.6

3.7

3.8

4.1

4.2

4.3

4.4

4.5

4.6

4.7

4.8

EXHIBIT INDEX

Description

  Fourth  Amended  and  Restated  Certificate  of  Incorporation  of  the  Registrant,  incorporated  by  reference  to  Nephros,  Inc.’s  Registration

Statement on Form S-8 (Reg. No. 333-127264), filed with the Securities and Exchange Commission on August 5, 2005.

  Certificate of Amendment to the Fourth Amended and Restated Certificate of Incorporation of the Registrant, incorporated by reference to
Nephros,  Inc.’s  Quarterly  Report  on  Form  10-QSB  for  the  quarter  ended  June  30,  2007,  filed  with  the  Securities  and  Exchange
Commission on August 13, 2007 (SEC File No. 001-32288).

  Certificate of Amendment to the Fourth Amended and Restated Certificate of Incorporation of the Registrant, incorporated by reference to
Nephros,  Inc.’s  Quarterly  Report  on  Form  10-QSB  for  the  quarter  ended  June  30,  2007,  filed  with  the  Securities  and  Exchange
Commission on August 13, 2007 (SEC File No. 001-32288).

  Certificate of Amendment to the Fourth Amended and Restated Certificate of Incorporation of the Registrant as filed with the Delaware
Secretary of State on November 13, 2007, incorporated by reference to Nephros, Inc.’s Quarterly Report on Form 10-QSB for the quarter
ended September 30, 2007, filed with the Securities and Exchange Commission on November 13, 2007 (SEC File No. 001-32288).

  Certificate of Amendment to the Fourth Amended and Restated Certificate of Incorporation of the Registrant as filed with the Delaware
Secretary of State on October 26, 2009, incorporated by reference to Nephros, Inc.’s Registration Statement on Form S-1 (Reg. No. 333-
162781), filed with the Securities and Exchange Commission on October 30, 2009.

  Certificate of Amendment to the Fourth Amended and Restated Certificate of Incorporation of the Registrant as filed with the Delaware
Secretary of State on March 10, 2011, incorporated by reference to Nephros, Inc.’s Current Report on Form 8-K, filed with the Securities
and Exchange Commission on March 16, 2011.

  Certificate of Amendment to the Fourth Amended and Restated Certificate of Incorporation of the Registrant as filed with the Delaware
Secretary of State on March 11, 2011, incorporated by reference to Nephros, Inc.’s Current Report on Form 8-K, filed with the Securities
and Exchange Commission on March 16, 2011.

  Second Amended and Restated By-Laws of the Registrant, incorporated by reference to Nephros, Inc.’s Current Report on Form 8-K, filed

with the Securities and Exchange Commission on December 3, 2007 (SEC File No. 001-32288).

  Specimen of Common Stock Certificate of the Registrant, incorporated by reference to Nephros, Inc.’s Amendment No. 1 to Registration

Statement on Form S-1/A (Reg. No. 333-116162), filed with the Securities and Exchange Commission on July 20, 2004.

  Form of Underwriter’s Warrant, incorporated by reference to Nephros, Inc.’s Amendment No. 2 to Registration Statement on Form S-1/A

(Reg. No. 333-116162), filed with the Securities and Exchange Commission on August 26, 2004.

  Warrant for the purchase of shares of common stock dated January 18, 2006, issued to Marty Steinberg, Esq., as Court-appointed Receiver
for Lancer Offshore, Inc, incorporated by reference to Nephros, Inc.’s Annual Report on Form 10-KSB for the year ended December 31,
2007, filed with the Securities and Exchange Commission on March 31, 2008 (SEC File No. 001-32288).

  Form  of  Class  D  Warrant,  incorporated  by  reference  to  Nephros,  Inc.’s  Current  Report  on  Form  8-K,  filed  with  the  Securities  and

Exchange Commission on September 25, 2007 (SEC File No. 001-32288).

  Form of Placement Agent Warrant, incorporated by reference to Nephros, Inc.’s Current Report on Form 8-K, filed with the Securities and

Exchange Commission on September 25, 2007 (SEC File No. 001-32288).

  Form of Investor Warrant issued on July 24, 2009, incorporated by reference to Nephros, Inc.’s Quarterly Report on Form 10-Q for the

quarter ended June 30, 2009, filed with the Securities and Exchange Commission on August 14, 2009.

  Form  of  Warrant  Certificate,  incorporated  by  reference  to  Nephros,  Inc.’s  Registration  Statement  on  Form  S-1  (Reg.  No.  333-169728),

filed with the Securities and Exchange Commission on October 1, 2010.

  Form  of  Warrant  Agreement  between  Nephros,  Inc.  and  Continental  Stock  Transfer  &  Trust  Company,  incorporated  by  reference  to
Nephros,  Inc.’s  Amendment  No.  1  to  Registration  Statement  on  Form  S-1/A  (Reg.  No.  333-169728),  filed  with  the  Securities  and
Exchange Commission on November 8, 2010.

4.9

  Form of Subscription Rights Certificate, incorporated by reference to Nephros, Inc.’s Registration Statement on Form S-1 (Reg. No. 333-

169728), filed with the Securities and Exchange Commission on October 1, 2010.

10.1

  Amended  and  Restated  2000  Nephros  Equity  Incentive  Plan,  incorporated  by  reference  to  Nephros,  Inc.’s  Amendment  No.  1  to
Registration Statement on Form S-1/A (Reg. No. 333-116162), filed with the Securities and Exchange Commission on July 20, 2004. †

55

 
 
 
 
 
 
10.2

2004 Nephros Stock Incentive Plan, incorporated by reference to Nephros, Inc.’s Amendment No. 1 to Registration Statement on Form S-
1/A (Reg. No. 333-116162), filed with the Securities and Exchange Commission on July 20, 2004. †

10.3

  Amendment No. 1 to 2004 Nephros Stock Incentive Plan, incorporated by reference to Nephros, Inc.’s Registration Statement on Form S-8

10.4

10.5

10.6

10.7

10.8

(Reg. No. 333-127264), filed with the Securities and Exchange Commission on August 5, 2005. †

  Amendment No. 2 to the Nephros, Inc. 2004 Stock Incentive Plan, incorporated by reference to Nephros, Inc.’s Quarterly Report on Form
10-QSB for the quarter ended September 30, 2007, filed with the Securities and Exchange Commission on November 13, 2007 (SEC File
No. 001-32288).

  Supply Agreement between Nephros, Inc. and Membrana GmbH, dated as of December 17, 2003, incorporated by reference to Nephros,
Inc.’s  Amendment  No.  2  to  Registration  Statement  on  Form  S-1/A  (Reg.  No.  333-116162),  filed  with  the  Securities  and  Exchange
Commission on August 26, 2004.

  Amended  Supply  Agreement  between  Nephros,  Inc.  and  Membrana  GmbH  dated  as  of  June  16,  2005,  incorporated  by  reference  to
Nephros, Inc.’s Quarterly Report on Form 10-QSB, filed with the Securities and Exchange Commission on August 15, 2005 (SEC File No.
001-32288).

  Manufacturing and Supply Agreement between Nephros, Inc. and Medica s.r.l., dated as of May 12, 2003, incorporated by reference to
Nephros,  Inc.’s  Amendment  No.  1  to  Registration  Statement  on  Form  S-1/A  (Reg.  No.  333-116162),  filed  with  the  Securities  and
Exchange Commission on July 20, 2004.

  Manufacturing and Supply Agreement between Nephros, Inc. and Medica s.r.l., dated as of March 22, 2005. Supersedes prior Agreement
dated May 12, 2003, incorporated by reference to Nephros, Inc.’s Annual Report on Form 10-KSB, filed with the Securities and Exchange
Commission on April 20, 2006 (SEC File No. 001-32288).

10.9

  Form  of  Common  Stock  Purchase  Warrant,  incorporated  by  reference  to  Nephros,  Inc.’s  Current  Report  on  Form  8-K,  filed  with  the

Securities and Exchange Commission on June 2, 2006 (SEC File No. 32288).

10.10

  Form of Registration Rights Agreement, dated as of June 1, 2006, incorporated by reference to Nephros, Inc.’s Current Report on Form 8-

10.11

10.12

10.13

10.14

10.15

10.16

K, filed with the Securities and Exchange Commission on June 2, 2006 (SEC File No. 32288).

  Addendum to Commercial Contract between Nephros, Inc. and Bellco S.p.A, effective as of January 1, 2007, incorporated by reference to
Nephros,  Inc.’s  Annual  Report  on  Form  10-KSB  for  the  year  ended  December  31,  2006,  filed  with  the  Securities  and  Exchange
Commission on April 10, 2007 (SEC File No. 001-32288).

  Registration Rights Agreement, dated as of September 19, 2007, among Nephros and the Holders, incorporated by reference to Nephros,
Inc.’s  Current  Report  on  Form  8-K,  filed  with  the  Securities  and  Exchange  Commission  on  September  25,  2007  (SEC  File  No.  001-
32288).

  License  Agreement,  dated  October  1,  2007,  between  the  Trustees  of  Columbia  University  in  the  City  of  New  York,  and  Nephros,
incorporated  by  reference  to  Nephros,  Inc.’s  Annual  Report  on  Form  10-KSB  for  the  year  ended  December  31,  2007,  filed  with  the
Securities and Exchange Commission on March 31, 2008 (SEC File No. 001-32288).

  Lease  Agreement  between  Nephros,  Inc.  and  41  Grand  Avenue,  LLC  dated  as  of  November  20,  2008,  incorporated  by  reference  to
Nephros, Inc.’s Current Report on Form 8-K, filed with the Securities and Exchange Commission on November 20, 2008 (SEC File No.
001-32288).

  Lease Agreement between Nephros International LTD and Coldwell Banker Penrose & O’Sullivan dated November 30, 2008, incorporated
by  reference  to  Nephros,  Inc.’s  Annual  Report  on  Form  10-K  for  the  year  ended  Deecember  31,  2008,  filed  with  the  Securities  and
Exchange Commission on March 31, 2009 (SEC File No. 001-32288).

  Amendment No. 3 to the Nephros, Inc. 2004 Stock Incentive Plan, incorporated by reference to Nephros, Inc.’s Annual Report on Form
10-K for the year ended Deecember 31, 2008, filed with the Securities and Exchange Commission on March 31, 2009 (SEC File No. 001-
32288). †

10.17

  Senior Secured Note dated October 1, 2010 issued to Lambda Investors LLC, incorporated by reference to Nephros, Inc.’s Registration

Statement on Form S-1 (Reg. No. 333-169728), filed with the Securities and Exchange Commission on October 1, 2010.

10.18

  Form  of  Registration  Rights  Agreement,  dated  as  of  September  30,  2010,  by  and  between  the  Registrant  and  Lambda  Investors  LLC,
incorporated  by  reference  to  Nephros,  Inc.’s  Registration  Statement  on  Form  S-1  (Reg.  No.  333-169728),  filed  with  the  Securities  and
Exchange Commission on October 1, 2010.

10.19

  Amendment  No.  4  to  the  Nephros,  Inc.  2004  Stock  Incentive  Plan,  incorporated  by  reference  to  Nephros,  Inc.’s  2011  Proxy  Statement

(Exhibit A), filed with the Securities and Exchange Commission on December 2, 2010. †

10.20

  Employment Agreement between Nephros, Inc. and Gerald J. Kochanski dated April 1, 2011, incorporated by reference to Nephros, Inc.’s

Current Report on Form 8-K, filed with the Securities and Exchange Commission on March 31, 2011. †

10.21

  License Agreement, entered into as of July 1, 2011 by and between Nephros, Inc. and Bellco S.r.l., incorporated by reference to Nephros,

Inc.’s Current Report on Form 8-K, filed with the Securities and Exchange Commission on June 27, 2011.

10.22

  License  and  Supply  Agreement  dated  as  of  April  23,  2012  between  Nephros,  Inc.  and  Medica  S.p.A.,  incorporated  by  reference  to

Nephros, Inc.’s Current Report on Form 8-K, filed with the Securities and Exchange Commission on April 26, 2012.

56

 
 
 
 
10.23

  Employment Agreement dated as of April 20, 2012 between Nephros, Inc. and John C. Houghton, incorporated by reference to Nephros,

Inc.’s Current Report on Form 8-K, filed with the Securities and Exchange Commission on April 26, 2012. †

10.24

  Non-qualified  Stock  Option  Agreement  made  as  of  July  3,  2012  by  Nephros,  Inc.  and  John  C.  Houghton,  incorporated  by  reference  to
Nephros,  Inc.’s  Quarterly  Report  on  Form  10-Q  for  the  quarter  ended  September  30,  2012,  filed  with  the  Securities  and  Exchange
Commission on November 9, 2012. †

10.25

  Senior Secured Note, dated February 4, 2013, issued to Lambda Investors LLC, incorporated by reference to Nephros, Inc.’s Registration

10.26

10.27

10.28

10.29

Statement on Form S-1 (Reg. No. 333-187036), filed with the Securities and Exchange Commission on March 4, 2013.

  Registration  Rights  Agreement,  dated  February  4,  2013,  by  and  between  Nephros,  Inc.  and  Lambda  Investors  LLC,  incorporated  by
reference  to  Nephros,  Inc.’s  Registration  Statement  on  Form  S-1  (Reg.  No.  333-187036),  filed  with  the  Securities  and  Exchange
Commission on March 4, 2013.

  Security Agreement, dated as of February 4, 2013, by and between Nephros, Inc. and Lambda Investors LLC, incorporated by reference to
Nephros, Inc.’s Registration Statement on Form S-1 (Reg. No. 333-187036), filed with the Securities and Exchange Commission on March
4, 2013.
Intellectual Property Security Agreement, dated as of February 4, 2013, made by Nephros, Inc. and Lambda Investors LLC, incorporated
by  reference  to  Nephros,  Inc.’s  Registration  Statement  on  Form  S-1  (Reg.  No.  333-187036),  filed  with  the  Securities  and  Exchange
Commission on March 4, 2013.

  First Amendment to Registration Rights Agreement, dated as of May 23, 2013, by and between Nephros, Inc. and Lambda Investors LLC,
incorporated  by  reference  to  Nephros,  Inc.’s  Quarterly  Report  on  Form  10-Q,  filed  with  the  Securities  and  Exchange  Commission  on
August 13, 2013.

10.30

  Amendment No. 6 to Nephros, Inc. 2004 Stock Incentive Plan dated June 14, 2013, incorporated by reference to Nephros, Inc.’s Quarterly

Report on Form 10-Q, filed with the Securities and Exchange Commission on August 13, 2013.

10.31

  Senior Secured Note, dated November 12, 2013, issued to Lambda Investors LLC, incorporated by reference to Nephros, Inc.’s Current

Report on Form 8-K, filed with the Securities and Exchange Commission on November 14, 2013.

10.32

10.33

10.34

  Registration  Rights  Agreement,  dated  November  12,  2013,  by  and  between  Nephros,  Inc.  and  Lambda  Investors  LLC,  incorporated  by
reference to Nephros, Inc.’s Current Report on Form 8-K, filed with the Securities and Exchange Commission on November 14, 2013.
  Security Agreement, dated as of November 12, 2013, by and between Nephros, Inc. and Lambda Investors LLC, incorporated by reference

to Nephros, Inc.’s Current Report on Form 8-K, filed with the Securities and Exchange Commission on November 14, 2013.
Intellectual  Property  Security  Agreement,  dated  as  of  November  12,  2013,  made  by  Nephros,  Inc.  and  Lambda  Investors  LLC,
incorporated  by  reference  to  Nephros,  Inc.’s  Current  Report  on  Form  8-K,  filed  with  the  Securities  and  Exchange  Commission  on
November 14, 2013.

10.35

  First Amendment to License Agreement, dated as of February 19, 2014, by and between Nephros, Inc. and Bellco S.r.l., incorporated by

reference to Nephros, Inc’s Current Report on Form 8-K, filed with the Securities and Exchange Commission on February 25, 2014.

14.1

  Code of Ethics and Business Conduct, as amended on April 2, 2007, incorporated by reference to Nephros, Inc.’s Current Report on Form

8-K, filed with the Securities and Exchange Commission on April 6, 2007 (SEC File No. 001-32288).

21.1

  Subsidiaries of Registrant, incorporated by reference to Nephros, Inc.’s Annual Report on Form 10-KSB for the year ended December 31,

2006, filed with the Securities and Exchange Commission on April 10, 2007 (SEC File No. 001-32288).

23.1
24.1
31.1

  Consent of Rothstein Kass, Independent Registered Public Accounting Firm. *
  Power of Attorney. (included on the signature page)
  Certification  by  the  Chief  Executive  Officer  and  Acting  Chief  Financial  Officer  Pursuant  to  Section  302  of  the  Sarbanes-Oxley  Act  of

2002. *

32.1

  Certification by the Chief Executive Officer and Acting Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as adopted  pursuant

101

to Section 906 of the Sarbanes-Oxley Act of 2002. *
Interactive Data File. *

*
†

Filed herewith.
Management contract or compensatory plan arrangement.

57

 
 
 
 
 
 
 
In accordance with Section 13 or 15(d) of the Exchange Act, the Registrant caused this report to be signed on its behalf by the undersigned, thereunto

SIGNATURES

duly authorized.

Date: March 28, 2014

NEPHROS, INC.

By:

/s/ John C. Houghton

Name: John C. Houghton
Title: President, Chief Executive Officer and Acting Chief Financial Officer,
and Director (Principal Executive Officer and Principal Financial and
Accounting Officer)

POWER OF ATTORNEY

We, the undersigned directors and officers of Nephros, Inc., hereby severally constitute and lawfully appoint John C. Houghton, our true and lawful
attorney-in-fact with full power to him to sign for us, in our names in the capacities indicated below, the Annual Report on Form 10-K for the fiscal year
ended December 31, 2013 of Nephros, Inc. and any and all amendments thereto, and to file the same with all exhibits thereto, and all other documents in
connection  therewith,  with  the  Securities  and  Exchange  Commission,  granting  unto  said  attorney-in-fact  and  agent,  full  power  and  authority  to  do  and
perform each and every act and thing requisite and necessary to be done, as fully to all intents and purposes as such person might or could do in person,
hereby ratifying and confirming all that said attorney-in-fact and agent, or their or his or her substitute or substitutes, may lawfully do or cause to be done by
virtue hereof.

In accordance with the Exchange Act, this report has been signed below by the following persons on behalf of the Registrant and in the capacities and

on the dates indicated.

Signature
/s/ John C. Houghton

John C. Houghton

Title

President, Chief Executive Officer and Acting Chief Financial
Officer, and Director (Principal Executive Officer and Principal
Financial and Accounting Officer)

/s/ Arthur H. Amron

Director

Arthur H. Amron

/s/ Lawrence J. Centella

Director

Lawrence J. Centella

/s/ Paul A. Mieyal

Director

Paul A. Mieyal

/s/ Daron Evans

Daron Evans

Director

58

Date
March 28, 2014

March 28, 2014

March 28, 2014

March 28, 2014

March 28, 2014

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in the Registration Statements of Nephros, Inc. on Form S-8 (Registration Statements No. 333-127264 and No.
333-148236 and No. 333-188592) of our report, dated March 27, 2014 (which includes an explanatory paragraph relating to the Company’s ability to continue
as a going concern), relating to the consolidated balance sheets of Nephros, Inc. as of December 31, 2013 and 2012, and the related consolidated statements of
operations, changes in stockholders’ equity (deficit), and cash flows in the two year period ended December 31, 2013.

Exhibit 23.1

/s/ Rothstein Kass

Roseland, New Jersey
March 28, 2014

 
  
 
 
 
 
 
CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER AND ACTING CHIEF FINANCIAL OFFICER
PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 31.1

I, John C. Houghton, certify that:

(1)

I have reviewed this Annual Report on Form 10-K of Nephros, Inc.;

(2) Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the
statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this
report;

(3) Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects, the

financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

(4)

I am responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e))
and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a) Designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls  and  procedures  to  be  designed  under  our  supervision,  to
ensure  that  material  information  relating  to  the  registrant,  including  its  consolidated  subsidiaries,  is  made  known  to  us  by  others  within  those
entities, particularly during the period in which this report is being prepared;

(b) Designed  such  internal  control  over  financial  reporting,  or  caused  such  internal  control  over  financial  reporting  to  be  designed  under  our
supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external
purposes in accordance with generally accepted accounting principles;

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness

of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal
quarter (the registrant’s fourth fiscal quarter in the case of the annual report) that has materially affected, or is reasonably likely to materially affect,
the registrant’s internal control over financial reporting; and

(5)

I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee
of the registrant’s board of directors (or persons performing the equivalent functions):

(a) All  significant  deficiencies  and  material  weaknesses  in  the  design  or  operation  of  internal  control  over  financial  reporting  which  are  reasonably

likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over

financial reporting.

Dated:  March 28, 2014

/s/ John C. Houghton
John C. Houghton
President, Chief Executive Officer and Acting
Chief Financial Officer (Principal Executive Officer
and Principal Financial and Accounting Officer)

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER AND ACTING CHIEF FINANCIAL OFFICER
PURSUANT TO 18 U.S.C. SECTION 1350
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.1

In  connection  with  the  Annual  Report  on  Form  10-K  of  Nephros,  Inc.  (the  “Company”)  for  the  fiscal  year  ended  December  31,  2013  as  filed  with  the
Securities and Exchange Commission on the date hereof (the “Report”), I, John C. Houghton , President, Chief Executive Officer and Acting Chief Financial
Officer  of  the  Company,  certify,  pursuant  to  18  U.S.C.  Section  1350,  as  adopted  pursuant  to  Section  906  of  the  Sarbanes-Oxley  Act  of  2002,  that,  to  my
knowledge:

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Dated:  March 28, 2014

/s/ John C. Houghton
John C. Houghton
President, Chief Executive Officer and Acting
Chief Financial Officer (Principal Executive Officer
and Principal Financial and Accounting Officer)