NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 05-01168 A.G. Edwards & Sons, Inc., (Claimant) vs. Dennis De Coite and Suzanne M. De Coite, (Respondents) ATTORNEYS: For Claimant appeared in-house counsel Clay Grumke, Esq., St. Louis, MO. Respondents did not submit an Answer to the Statement of Claim. NATURE OF DISPUTE: Member vs. Customers DATE FILED: March 1, 2005 CASE SUMMARY: Claimant alleged that Respondents failed and refused to

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 05-01165 Kathleen Ann Maher-McHale, IRRA (Claimant) vs. Merrill Lynch, Pierce, Fenner & Smith, Inc., (Respondent) ATTORNEYS: ~~~ " " ~~ Claimant appeared pro se, Glen Mills, PA. For Respondent appeared in-house counsel, H. Kyeng Lee, Esq., New York, NY. NATURE OF DISPUTE: Customer vs. Member ~~ DATE FILED: March 3, 2005 CASE SUMMARY: Claimant alleged that Respondent's negligence and fai

NASD DISPUTE RESOLUTION MODIFIED AWARD NASD DISPUTE RESOLUTION CASE: 05-01160 Oppenheimer & Co., Inc., (Claimant) vs. Lament Arthur Patrick, (Respondent) ATTORNEYS: ^ For Claimant appeared in-house counsel Eric J. Shames, Esq., New York, NY. Respondent appeared pro se, Cumming, GA. NATURE OF DISPUTE: Member v. Associated Person DATE FILED: March 4, 2005 CASE SUMMARY: Claimant alleged that Respondent breached a contract by failing to repay monies

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 05-01160 Oppenheimer & Co., Inc., (Claimant) vs. Lamont Arthur Patrick, (Respondent) ATTORNEYS: ~~ For Claimant appeared in-house counsel Eric J. Shames, Esq., New York, NY. Respondent appeared pro se, Gumming, GA. NATURE OF DISPUTE: Member v. Associated Person " DATE FILED: March 4,2005 * CASE SUMMARY: Claimant alleged that Respondent breached a contract by failing to repay monies owed

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Christoph Gruhn, (Claimant) vs. E*Trade Securities, Inc., (Respondent) Case Number: 01-00492 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimant, Christoph Gruhn, hereinafter referred to as "Claimant": Ralph M. Stone, Esq., Shalov Stone & Bonner, New York, NY. Respondent, E*Trade Securities, Inc., hereinafter referred to as "Respondent": Jojiro Takano, Esq.

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Thomas W. Bishop Respondents National Securities Corporation Gary M. Stewart Alexander M. Shapiro Thomas Daniel Ellen Case-Kumhec: 05-01159 Hearing Site- Richmond, Virginia Nature of the Dispute: Associated Person vs. Member and Associated Persons. REPRESENTATION OF PARTIES Claimant, Thomas W. Bishop, hereinafter referred to as "Claimant", was represented by Jay

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Peter H. Pollak and Ellen A. Pollak, individually and as Trustees of The Pollak Trust dated March 8,1990, Claimants v. Morgan Stanley DW Inc. and Vincent August Caprio, Respondents Case Number: 05-01152 Hearing Site: San Francisco, California Nature of the Dispute: Customers v. Member and Associated Person REPRESENTATION OF PARTIES For Claimants: Michael D. Liberty, Esq. Law Off

Award NASD Dispute Resolution In the Matter of the Arbitration Between; Yvan Bourque and Cheri Bourque (Claimants) vs. Citigroup Global Markets f/k/a Salomon Smith Barney (Respondent) Case Number: 05-01147 Hearing Site: Albany, New York Nature of the Dispute: Customers vs. Member REPRESENTATION OF PARTIES Claimants Yvan Bourque ("Y. Bourque") and Cheri Bourque ("C. Bourque") hereinafter referred to as "Claimants": Vincent J. Imbesi, Esq., Avelino an

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Adam Vertes (Claimant) vs. Raymond James & Associates, Inc. (Respondent) Case Number: 05-01143 Hearing Site: Cleveland, Ohio Nature of the Dispute: Associated Person vs. Member f REPRESENTATION OF PARTIES Claimant Adam Vertes hereinafter referred to as "Claimant": James A. DeRoche, Esq., Garson & Associates Co., L.P.A., Cleveland, OH. Respondent Raymond James & Associates, I

NASD DISPUTE RESOLUTION MODIFIED AWARD NASD DISPUTE RESOLUTION CASE: 05-01142 Aaron W. Steffens and Jennifer Steffens, (Claimants) vs. First Command Financial Planning, Inc., (Respondent) ATTORNEYS: Claimant appeared pro se, Montgomery, AL. For Respondent appeared Ethan H. Cohen, Esq., Atlanta, GA. NATURE OF DISPUTE: Customer vs. Member DATE FILED: February 23, 2005 CASE SUMMARY: Claimants alleged that due to Respondent's misleading sales sc