NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION. INC. CASE: 01-02431 Stanley C. Howard and Joycelyn R. Howard, Claimants vs. Corporate Investments Group, Inc., Andrew W. Lam and Frederick Banyon, Respondents. ATTORNEYS: For Claimants, Stanley C. and Joycelyn R. Howard, appeared Romaine L. Gardner, Esq., Director, BLS Legal Services Corp. For Respondents, Corporate Investments Group, Inc. and Andy Lam, appeared Andy Lam, President and Chief Com

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between NajneofClainiants John C. and Lois Stegeman 92-02751 f Respondents Kidder, Peabody & Co., Incorporated James I. Tribblc For Claimants, John C. and Lois Stegeman: Daniel J. Stephenson, Esq. of Dykema Gossett. For Respondents, Kidder, Peabody & Co., Incorporated and James I. Tribbte: Richard Kelly, Esq. of Kidder, Peabody & Co., Incorporated.

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Frank G. Culkar, Jr. 92-02746 Name of Respondents Dean Witter Reynolds Inc. Robert Brennan Claimant Frank G. Culkar, Jr. ("Claimant") represented himself. For Respondents Dean Witter Reynolds Inc. ("DWR") and Robert Brennan ("Brennan"): David P. Restaino, Esq. of DWR. CASE INFORMATION Statement of Claim filed: August 14, 1992. Reply to

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS, INC. In the Matter of the Arbitration Between Name of Claimants Robert Hayutin Estate, by Gary A. Pashel, Personal Representative; The Robert Hayutin Insurance Trust, by Gary Pashel, Co-Trustee; The Pashel Family Trust, by Gary Pashel, Co-Trustee; Mae Louise Pashel; and Gary A. Pashel and 92-02745 Name of Respondents Smith Barney, Harris, Upham & Co., Inc. REPRESENTATION OF PARTI

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimant Zouheir Beidoun 92-02743 Name of Respondents GKN Securities Corporation Carl Wiseman Bear Stearns Securities Corporation REPRESENTATION For Claimant, Zouheir Bedouin ("Claimant"), Christopher Lovell, Esq. located in New York, New York. For Respondents, GKN Securities Corp., ("GKN"), Carl Wiseman ("Wiseman") and Bear

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In tne Matter of the Arbitration Between Name of Louis A. Salinas 92-02741 Name of Respondents J.W. Gant and Associates, Inc.; Kober Financial Corp.; Edward L. Roweil; Christopher Thomas; James Price REPRESENTATION For Claimant: Louis A. Salinas was represented by Victor N. Makris, Esq. of Makris Attorneys and Counselors, located in Houston, Texas. For Respondents: J.W

PUBLIC N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimant George F. Sieg 92-02738 Name of Respondent Kevin Browne CASE SUMMARY In a claim filed with the National Association of Securities Dealers. Inc. on August 14, 1992. Claimant George F. Sieg, who appeared Pro Se, alleged that Respondent Kevin Browne recommended the purchase of Macys 14.5% bonds which were not suitable c

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimants John Rinello Michael Caraher John McLean 92-02734 Name of Respondents Gilford Securities Incorporated Kevin McCarthy REPRESENTATION For Claimants: Christopher C. Fountain, Esq. For Respondent, Gilford Securities, Inc.: Michael Kalmus, Esq, of Kalmus & Matuscello. For Respondent, Kevin D. McCarthy: Kevin D. McCa

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimants') Dorothy O'Reilly 92-02728 Name of Respondents') David Lerner Associates RF.PRFSKNTATTON For Claimant, Dorothy O'Reilly ("Claimant"), Roger M. Deitz located in New York, New York. For Respondent, David Lerner Associates ("Respondent"), Ruthann Niosi located in New York, New York. CASE INFORMATION Statement of Clai

PUBLIC N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Monika M. Strauss Claimant vs. CASE #92-02725 John F. Yakimcyk Respondent CASE SUMMARY In a claim filed with the National Association of Securities Dealers, Inc. on August 14, 1992, Claimant Monika M. Strauss who appeared Pro Se, alleged that on February 7, 1991 Respondent John F. Yakimcyk, Investment Executive with Schneider Securit