Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 03-05545 William Gould Gould Concrete Construction, Inc. Names of the Respondents Hearing Site: Tampa, Florida Merrill Lynch, Pierce, Fenner & Smith, Inc. Rameshwar Ramcharran Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For William Gould ("Gould") and Gould Concrete Constructio

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Michael D. Welsh v. McDonald Investments, Inc., Richard Lowrie and Ralph String Case Number: 03-05527 Hearing Site: Cleveland, Ohio Nature of the Dispute: Customer vs. Member and Associated Person REPRESENTATION OF PARTIES Claimant, Michael D. Welsh ("Welsh") hereinafter referred to as "Claimant": Edward F. Siegel, Esq., Law Offices of Edward F. Siegel, Cleveland, OH.

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-00804 Morgan Stanley DW, Inc., Claimant v. Jack Patrick Kovic, Respondent. ATTORNEYS: For Claimant, Morgan Stanley DW, Inc., ("Claimant"), appeared John R. St. John, of the firm St. John, Wallace, Brennan, & Folan LLP, Torrance, CA. For Respondent, Jack Patrick Kovic, ("Respondent"), appeared Jeffrey K. Compton, Esq., of the firm Markun, Zusman & Compton, LLP, Los Angeles, CA. NATURE OF

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name nf the Claimants Burgess A. Brooks, Individually and As Trustee of the Burgess A. Brooks Revocable Trust U/A/O 11/04/99, and Burgess A. Brooks, Inc. Case Number: 02-04578 Name nf thp Respondents Citigroup Global Markets, Inc. f/k/a Salomon Smith Barney, Inc. and Robert A. Rosenthal Hearing vSite: St. Louis, Missouri NATTTKF OF DTSPTTTF Customer vs. Membe

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 02-04329 Dallen W. Peterson Glennis M. Peterson Peterson Family Limited Partnership Glendal, Inc. Names of the Respondents Hearing Site: Tampa, FL Terrel Beckwith Principal Financial Securities, Lie. Everen Securities, Inc. n/k/a First Union Securities, Inc. Nature of the Dispute: Customer vs. Member and Associated Person. REPR

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Bruce Andrew Merino and Marielena Merino, Claimants v. Hotovec, Pomeranz & Co., LLC, Steven D. Hotovec, Jeffrey J. Pomeranz, Louis J. Bacher, Jr., and John M. Vanderwal, Respondents Case Number: 02-03897 Hearing Site: Las Vegas, Nevada Nature of the Dispute: Customers vs. Member and Associated Persons REPRESENTATION OF PARTIES For Claimants: For Respondents Hotovec,

Award NASD Dispute Resolution In the Matter of the Arbitrations Between: Craig L. Reager, Claimant v. First Union Securities, Inc. n/k/a Wachovia Securities, LLC and Jeffrey J. Bouchard, Respondents First Union Securities, Inc. n/k/a Wachovia Securities, LLC, Counter-Claimant v. Craig L. Reager, Counter-Respondent Case Number: 02-03721 Hearing Site: Los Angeles, California Nature of the Disputes: Associated Person v. Member and Associated Person

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant: Case Number: 02-03798 James A. Brodie Name of the Respondents: Hearing Site: New York, Sands Brothers & Co., Ltd. New York Steven Sands Glen McKelvey Peter Moore Michael Tuscano Michael Caska Robert Bonaventura Charles Robinson REPRESENTATION OF PARTIES Claimant, James A. Brodie, hereinafter referred to as "Claimant": pro se Resp

NASD Dispute Resolution Arbitration No. 02-02889 Award Page 1 of 5 Award NASD Dispute Resolution In the Matter of the Arbitration Between: Sandeep D. Kitson and Gurpreet S. Sabharwal, (Claimants) vs. Investprivate, Inc., Scott L. Mathis, and Alan H. Underberg, (Respondents) Case Number: 02-02889 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimants, Sandeep D. Kitson ("Kitson") and Gurpreet S. Sabharwal ("Sabharwal"), hereinaf

Award NASD Regulation. Inc. on a^j f/'s-r 7./7.02- In the Matter of the Arbitration Between Name of Claimant Craig M. Porter Case No. 99-02779 Names of Respondents Marion Bass Securities Corporation Marion Bass Marion Bass Holdings REPRESENTATION OF PARTIES Craig M. Porter ("Porter"), hereinafter referred to as "Claimant", appeared pro se. For Respondents Marion Bass Securities Corp. and Marion Bass, hereinafter referred to as "R