AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Mark J. Zebrowitz and Names of Respondents Morgan Stanley DW, Inc. and David J. Bass Case Number: 03-03279 Hearing Site: Houston, Texas NATURE OF DISPUTE Customer v. Member Firm and Associated Person Mark J. Zebrowitz ("Claimant") was represented by Leonard J. Meyer, Esq., of Zimmerman, Axelrad and Meyer, of Houston, Texas. Morgan Stanley

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Claimant Burton B. Sharoff v. 03-03277 Denver, Colorado Respondent A.G. Edwards & Sons, Inc. Nature of Dispute: Customer v. Member REPRESENTATION OF PARTIES Burton B. Sharoff ("Claimant") was represented by Jeffrey J. Scott, Esq., of Scott & Associates, P.C., Denver, Colorado. A.G. Edwards & Sons, Inc. ("Respondent") was represented by M. Jane Matoesian, Esq., of

STIPULATED AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Ronald Rumsey and 03-03276 Kansas City, Missouri Legacy Financial Services, Inc. Mark A. Nelson Nature of the Dispute: Customer vs. Member and Associated Person REPRESENTATION OF PARTIES Ronald Rumsey ("Claimant") was represented by Roger N. Walter, Esq., Morris, Laing, Evans, Brook & Kennedy, Chtd., Topeka, Kansas. Legacy Financial Ser

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Oppenheimer & Co., a Division of Fahnestock & Co., Inc., Claimant v. Craig A. Rutledge, Respondent Craig A. Rutledge, Counter-Claimant v. Oppenheimer & Co., a Division of Fahnestock & Co., Inc., Counter-Respondent Craig A. Rutledge, Third-Party Claimant v. CIBC World Markets Corp. and Larry Isaacs, Third- Party Respondents Case Number: 03-03265 Hearing Site: Los Angel

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-03264 Patricia Diane Herndon, Claimant vs. Morgan Keegan & Company, Inc., and Michael Kirkland, Respondents. ATTORNEYS: For Claimant, Patricia Diane Herndon, ("Claimant"), appeared Jodie J. Kelley, Esq., of Kelly Law Firm, Rogers, AK. Respondents, Morgan Keegan & Company, Inc., and Michael A. Kirkland, (collectively "Respondents"), appeared through their in-house counsel, J. P. Brizzolar

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Cynthia M. Wong (Claimant) v. Citigroup, Inc. and Citigroup Global Markets, Inc. f/k/a Salomon Smith Barney, Inc. a/k/a Smith Barney, Inc. (Respondents) Case Number: 03-03262 Hearing Site: New York, New York Nature of the Dispute: Associated Person vs. Member and Non-Member. REPRESENTATION OF PARTIES Claimant Cynthia M. Wong ("Wong") hereinafter referred to as "Claimant": James J.

AWARD NASD DISPUTE RESOLUTION, INC. NASD Case Number: 01-01289 In the Matter of the Arbitration Between: DOUGLAS L. WILSON, Claimant, v. AMERICAN INVESTMENT SERVICES, INC., and JOSEPH HONINGS, Respondents. Representation of Parties Douglas L. Wilson, ("Claimant") was represented by James True, Esq., Aspen, Colorado. American Investment Services, Inc., and Joseph Honings, (Respondents) were represented by Terry Guy Shipley, Esq., Norman,

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE; 03-03259 Camille T. Davis, Claimant v. Merrill Lynch Pierce Fenner & Smith, Inc., Respondent. ATTORNEYS: For Claimant, Camille T. Davis, ("Claimant"), appeared Wm. Jemison Minis, Jr., Esq. of the Law Offices of Levin, Papantonio, Thomas et al, Pensacola, FL., and Hooper & Weiss, L.L.C., Orlando, FL. For Respondent, Merrill Lynch Pierce Fenner & Smith, Inc., ("Respondent"), appeared A. Inge

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Elliot and Joy Denniberg Elliot Denniberg Joy Denniberg Joy Denniberg, as custodian for Alan Denniberg Denniberg Advertising Inc. Denniberg Advertising Inc. Defined Benefit Plan Names of the Respondents Merrill Lynch, Pierce, Fenner & Smith Inc. Donald Robbins Case Number: 03-03257 Hearing Site: Boca Raton, Florida Nature

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimants Casp! Number 03-03253 Richard A. Cooter Edward J. Cooter Trust Name of the- RpqprmHpnt Hearing Site* Washington, DC Morgan Stanley DW, Inc. David Parent Nature of the Dispute: Customer vs. Member and Associated Person. RFPRF.SKNTATTON OF PARTIES Claimants, Richard A. Cooter ("Cooter") and the Edward J. Cooter Trust (the "Trust"), hereinafter col