Award NASD In the Matter of the Arbitration Between: Name of the Claimant Case Number: 02-00801 Nadyne P. Mines Names of the Respondents Hearing Site: Tampa, Florida Bane of America Investment Services, Inc. John Zangari REPRESENTATION OF PARTIES For Nadyne P. Hines, hereinafter referred to as "Claimant": Scott C. Ilgenfritz, Esq., Johnson, Blakely, Pope, Bokor, Ruppel & Burns, P.A., Tampa, Florida. For Bane of America Investment Services, I

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Jennifer L. Just IRA, Claimant v. The Retirement Group, Frank A. Cuenca, Timothy C. Sullivan, FSC Securities Corporation, a subsidiary of Financial Service Corporation, Financial Service Corporation, Pershing Division of Donaldson, Lufkin & Jenrette Securities Corporation, aka Donaldson, Lufkin & Jenrette Securities Corporation, Respondents Case Number: 02-00686 Hearing Site

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Henry Bookspan, Trustee of the G.S.T. Exempt Trust B and the G.S.T. Exempt Trust C of the Henry and Sophie Bookspan Family Trust, Dated 01/12/98, Claimant v. Morgan Stanley DW Inc., Sinan E. Battah, and James Scott Robinson, Respondents Case Number: 02-00668 Hearing Site: San Diego, California REPRESENTATION OF PARTIES For Claimant: Erwin J. Shustak, Esq. Shustak Jalil & Heller

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Rodney M. Kinsey, Trustee Of Rodney M. Kinsey, M/P/P and Donna P. Kinsey (Claimants) vs. Securities America, Inc. and Joseph E. Erwin (Respondents) Case Number: 02-00636 Hearing Site: Columbus, Ohio REPRESENTATION OF PARTIES Claimants, Rodney M. Kinsey Trustee of Rodney M. Kinsey, M/P/P (R. Kinsey") and Donna P. Kinsey ("D. Kinsey")* hereinafter collectively referred to as "Claimant

STIPULATED AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Edwin Garrison Names of Respondents Case No. 02-00576 Hearing Site: Omaha, Nebraska Merrill Lynch Fenner & Smith Inc. Thomas J. Clark Grant G. Clark The Clark Group REPRESENTATION OF PARTIES For Claimant Edwin Garrison ("Claimant"): Thomas S. Reavely, Esq., Whitfield & Eddy, P.L.C., Des Moines, Iowa. For Respondents Clark Group,

Award NASD In the Matter of the Arbitration Between: Suzanne J. Englemann, Claimant v. A.G. Edwards & Sons, Inc., Larry Bernstein, and Keith Epstein, Respondents Case Number: 02-00225 Hearing Site: Boca Raton, Florida REPRESENTATION OF PARTIES For Suzanne J. Englemann, hereinafter referred to as "Claimant": Charles L. Pickett, Jr., Esq., Boose Casey Ciklin Lubitz Martens McBane & O'Connell, West Palm Beach, FL. For A.G. Edwards & Sons, Inc. ("AG"),

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Stephen and Peggy Kalemkarian, individually, and Stephen and David Kalemkarian, Trustees of Stephen A. Kalemkarian Inc. Target Benefit Pension Plan, Claimants v. Salomon Smith Barney nka Citigroup Global Markets, Inc. and Harry Gaykian., Respondents Case Number: 02-00148 Hearing Site: San Francisco, California REPRESENTATION OF PARTIES For Claimants: Scott R. Shewan, Esq. Born,

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Catherine Lucan (Claimant) vs. Lebenthal & Co., Inc., Harry M. Weiss, Ruben Augusta and Gerald M. Tankersley (Respondents) vs. Joan Honahan (Third-Party Respondent) Case Number: 01-06815 Hearing Site: New York, New York Nature of the Dispute: Customer vs. Member and Associated Persons vs. Non-member REPRESENTATION OF PARTIES Claimant Catherine Lucan hereinafter referred to as "Claim

Amended Award NASD In the Matter of the Arbitration Between: Sterling Financial Investment Group, Inc. Claimant v. Internationa] Capital Growth, LLC. Fred Gonzalez, and Louis Nolfo, Respondents Case Number: 01-04286 Hearing Site: Boca Raton, Florida REPRESENTATION OF PARTIES For Claimant Sterling Financial Investment Group, Inc. (hereinafter "Claimant" or "Sterling")". Curtis Carlson, Esq., Miami, FL. For Respondents International Capita

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION. INC. CASE: 99-03028 Bryan demons, claimant vs. E*Trade Securities, Inc., respondent. ATTORNEYS: For Claimant, Bryan demons ("Claimant"), appeared Paul W. Thomas, Esq. of the firm Paul W. Thomas & Associates, Carlsbad, CA. Respondent, E*Trade Securities, Inc. ("Respondent"), appeared through its Internal Compliance Manager,Thomas R. Delaney, Menlo Park, CA. DATE FILED: July 2, 1999 CASE SUMMA