Stipulated Award NASD Dispute Resolution In the Matter or the Arbitration Between: Robert and Sharon McCarthy, Case Number: - 04-05123 Claimants v. • Merrill Lynch, Pierce, Fenner & Smith, Inc. and Hearing Site: Chicago, Illinois Scott Alan Bylsma, Respondents NATURE OF THE DISPUTE Customers vs. Member Firm and Associated Person REPRESENTATION OF PARTIES Robert and Sharon McCarthy (the "McCarthys"), hereinafter referred to as "Claimant"

NASD DISPUTE RESOLUTION MODIFIED AWARD NASD DISPUTE RESOLUTION CASE: 04-01022 Pauline K. Dixon, Claimant vs. Aragon Financial Services, Inc. and Mauro Jose "Joe" Padilla, Respondent ATTORNEYS: For Claimant Pauline K. Dixon ("Claimant") appeared Marvin J. Williams, Esq., Houston, TX. Respondents Aragon Financial Services, Inc. and Mauro Jose "Joe" Padilla (collectively "Respondents") did not make an appearance in this matter. NATURE OF DISPUTE: Custo

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 04-00682 Laurence Ganon, individually and as Trustee of The Laurence and Lorraine Gannon Trust, Laurence J. Ganon SEP and Lorraine Ganon IRA Names of the Respondents Hearing Site: Boca Raton, Florida Merrill Lynch, Pierce, Fenner and Smith, Inc. Myron D. Stayman Nature of the Dispute: Customer vs. Member and Associated Person.

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Adolph Tieppo and Case Number: 04-00525 Hearing Site: Southfield, Michigan Names of Respondents Michigan Securities, Inc., and William E. Rice, Jr. NATURE OF DISPUTE Associated Person v. Member and Associated Person REPRESENTATION OF PARTIES Adolph Tieppo ("Claimant") was represented by John A. Hubbard, Esq., and Anthony R. Paesano, Esq., Beal

Stipulated Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Kenneth Tiemens vs. H&R Block a/k/a Olde Discount Corp and Leonard Veit Case Number: 04-00132 Hearing Site: Indianapolis, Indiana REPRESENTATION OF PARTIES Kenneth Tiemens, hereinafter referred to as "Claimant": Sandor L. Grossman, Esq., Law Offices of Sandor Grossman, LTD, Chicago, Illinois. H&R Block Financial Advisors, Inc. ("H&R Block"), formerly known as OLDE D

Award NASD Dispute Resolution In the Matter of the Arbitration Between: nf tbft riaimantg fagf! Nnmhftr- 04-00085 Alimadad Jatoi & Alcina Jatoi nffh ft ^ RS p nr i(1fTit g tfeflringSits! Dallas,Texas WM Financial Services, Inc. and Richard L. Goins NATTTRF. OF TF Public Customers v. Member Firm and Associated Person OF PATTFS Claimants Alimadad Jatoi & Alcina Jatoi, hereinafter collectively referred to as "Cla

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Nicholas and Rosemarie Lanera (Claimants) v. Citigroup Global Markets, Inc. file/a Salomon Smith Barney, Inc. and Terrance W. Prosser (Respondents) Case Number: 03-07789 Hearing Site: New York, New York Nature of the Dispute: Customers v. Member and Associated Person. REPRESENTATION OF PARTIES Nicholas and Rosemarie Lanera hereinafter collectively referred to as ("Claiman

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: William G. Irvine and William G. Irvine SEP IRA, Claimants v. Richard Silverstein and A.G. Edward & Sons, Inc., Respondents Case Number: 03-07550 Hearing Site: San Francisco, California Nature of the Dispute: Customers v. Member and Associated Person REPRESENTATION OF PARTIES For Claimants: James Jay Seltzer, Esq. Law Offices of James Jay Seltzer Emeryville, Calif

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Tower Hill Securities, Inc., (Claimant) vs. Yoav Bitter, (Respondent) Case Number: 99-02784 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimant Tower Hill Securities, Inc., hereinafter referred to as "Claimant": Michael D. Schissel, Esq., Arnold & Porter, New York, NY. Respondent Yoav Bitter, hereinafter referred to as "Respondent": Herbert Monte Levy, Esq.,

Corrected Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Michael T. Giesler Lynda D. Giesler Name of the Respondent Morgan Stanley f/k/a Morgan Stanley DW, Inc. Case Number: 03-06593 Hearing Site: Boca Raton, Florida Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES For Michael T. Giesler, and Lynda D. Giesler, hereinafter collectively referred to as "Claimants": Wayne H