Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 04-05098 Margie Jones Names of the Respondents Hearing Site: New Orleans, LA American General Securities, Inc. Leroy Jack Smith Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For Margie Jones, hereinafter referred to as "Claimant": Cynthia H. Speetjens, Esq., Cynthia Speetjens, P.A.

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Ron A. DeSilva, (Claimant) vs. First Union Securities, Inc. (Respondent) Case Number: 01-01785 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimants, Ron A. DeSilva ("DeSilva") and Ron A. DeSilva IRA ("DeSilva IRA"), hereinafter referred to as "Claimants": Robert G. Heim, Esq., Meyers & Heim, LLP, New York, NY. Respondent, First Union Securities, hereinafter ref

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 04-05096 Patricia A. Dooley, Claimant v. Quick & Reilly, Inc. and Jorge Pereira, Respondents ATTORNEYS: For Claimant Patricia A. Dooley ("Claimant") appeared Jill Gross, of John Jay Legal Services, Inc., White Plains, NY. For Respondents Quick & Reilly, Inc. and Jorge Pereira (collectively "Respondents") appeared Matthew S. Diggins, Esq., in-house counsel, Quick & Reilly, Inc., New York, NY.

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 04-05095 Jasper Najarian, Claimant v. Morgan Stanley DW> Inc., Ryan Roloff, and Janie Lynn Voita, Respondents ATTORNEYS: Claimant Jasper Najarian ("Claimant") appeared pro se, Fresno, CA. For Respondents Morgan Stanley DW» Inc., Ryan Roloff, and Janie Lynn Voita (collectively "Respondents") appeared Mukya S. Porter, Esq., in-house counsel, Morgan Stanley DW, Inc., San Francisco, CA, NAT

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Fernand W. and Dorothy R Vanier, Trustees of The Vanier Trust U/A DTD 11/17/98, Claimant v. Charles Schwab & Co., Inc., Respondent Case Number: 04-05093 Hearing Site: Los Angeles, California Nature of the Dispute: Customer v. Member REPRESENTATION OF PARTIES For Claimant: Fernand W. Vanier Co-Trustee of the The Vanier Trust U/A DTD 11/17/98 Westlake Village, California

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Upasna Jhaveri (Claimant) v. Citigroup Global Markets, Inc., Timothy Stauffer, Jon P. Ramey, William M. Ward (Respondents) Case Number: 04-05092 Hearing Site: Cincinnati, Ohio Nature of the Dispute: Customer vs. Member and Associated Persons. , REPRESENTATION OF PARTIES Claimant Upasna Jhaveri, hereinafter referred to as "Claimant": Robert A. Klinger, Esq., Robert A. Klinger Co.

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Claimant Linsco Private Ledger Corporation v. 04-05089 Denver, Colorado Respondent Jeffrey Michael Hug Nature of Dispute: Member v. Associated Person REPRESENTATION OF PARTIES Linsco Private Ledger Corporation ("Claimant") was represented by Brad Jacobs, Esq., of Linsco Private Ledger Corporation, Boston, Massachusetts. Jeffrey Michael Hug ("Respondent") appeared

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 04-05088 George W. Gibson and Jo Lynn Gibson as individuals and George W. Gibson IRA Names of the Respondents Hearing Site: Memphis, TN Edward D. Jones & Co., L.P. Charles E. Cloud Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For George W. Gibson and Jo Lynn Gibson as individuals and Georg

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 04-05085 Om Thapar and Manju Thapar Names of the Respondents Hearing Site: Atlanta, Georgia J. P. Turner and Company, LLC Richard M. Berteletti Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For Om Thapar ("OT") and Manju Thapar ("MT"), hereinafter collectively referred to as "Claimants": Ri

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 04-05080 William Sain Names of the Respondents Hearing Site: Orlando, Florida Citigroup Global Markets, Inc., f/k/a Salomon Smith Barney, Inc. Jack B. Grubman Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For William Sain, hereinafter referred to as "Claimant": Douglas H. Glicken, Esq., Douglas H