NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 05-00158 Gail H. Sanders, (Claimant) vs. Merrill Lynch, Pierce, Fenner & Smith, Inc., (Respondent) ATTORNEYS: ™ ~ " Claimant appeared pro se, Elkridge, MD. For Respondent appeared Bradley B. Rounsaville, Esq., of the firm Maynard, Cooper & Gale, P.C., Birmingham, AL. NATURE OF DISPUTE: Customer vs. Member ~~ DATE FILED: January 10, 2005 CASE SUMMARY: Claimant alleged that Respondent fai

*24/2Q05 07:29 FAZJ12j85g_4380_ NASD REGULATION 1^,002 NASD M5FUTE RESOLUTION AWARD NASD DEPUTE RESOLtmON CASE: 05-00152 Reehelle S« Melcer and Leon Melcer, (Qanaante) vs. Citigroup Global Markets, tea, (Respondent) ATTORNEYS: For Claimants (Beared Jan Graham., Esq. of tite fitmJaiGrrfwm Law Offices., Salt Lake For Respondent appeared A- Jamie Sclaupp ? Esq., of the firm Weal, Graber & Eiaanberg, LLP, Chicago, 1L. NATURE OF DISPUTE: Cust

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Richard L. Rudd, Amy Rudd, Chris Pipkin, Chris Pipkin IRA, Larry Pipkin, Larry Pipkin IRA, INV Partners, Peak to Peak Partners, Betsy Pipkin Peters, and Jon Jelinek and 01-00432 Omaha, Nebraska American General Securities, Inc. First Union Securities, Inc. Dennis T. Siamis, and Charles Anthony Sever • • REPRESENTATION OF PARTIES Richard L. Rudd, Amy Rudd,

Award NASD Dispute Resolution In the Matter of the Arbitration Between: ' , • ' - ' ' , ' , ' • ' ' ... . .' i ( .' • . i Perrin, Holden & Davenport Capital Corp. (Claimant) v. Roman Genov (Respondent) Case Number: 05-00151 Hearing Site: New York, New York Nature of the Dispute: Member vs. Associated Person ;, REPRESENTATION OF PARTIES Claimant, Perrin, Holden & Davenport Capital Corp hereinafter referred to as "C

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 05-00142 Brandt Family Trust Dtd 10/4/00, Irmgard Brandt and Ruediger W. Brandt as Trustees Names of the Respondents Hearing Site: Boca Raton, Florida PaulS. Barnes Veravest Investments, Inc. Allmerica Financial Life Insurance and Annuity Company Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES

Award COPY NASD Dispute Resolution In the Matter of the Arbitration Between: Martha J. Dudek, Claimant v. First Union Securities, Inc. n/k/a Wachovia Securities, LLC, Daniel D. Oberst, and Todd Williams, Respondents Case Number: 05-00132 Hearing Site: Las Vegas, Nevada Nature of the Dispute: Customer v. Member and Associated Persons REPRESENTATION OF PARTIES For Claimant: Neil J. Seller, Esq. Law Off ices of Neil J. Beller Las Vegas, Nevada

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 05-00130 Larry Bishop Name of the Respondent Hearing Site: Memphis, TN Morgan Stanley DW, Inc. Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES For Larry Bishop, hereinafter referred to as "Claimant": H. Naill Falls, Jr., Esq., Falls & Veach, Nashville, TN. For Morgan Stanley DW, Inc. ("MSDW"), hereinafter referred t

Award NASD Dispute Resolution In the Matter of the Arbitration Between: James Newton (Claimant) v. Paul Cromey and Wachovia Securities, LLC, Successor in Interest to First Union Securities (Respondents) Case Number: 05-00115 Hearing Site: Buffalo, New York Nature of the Dispute: Customer v. Member and Associated Person REPRESENTATION OF PARTIES Claimant James Newton hereinafter referred to as "Claimant": Erika N.D. Stanat, Esq., Harter Secrest & Eme

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Roupinian Life Insurance Trust DTD 9/9/97, Claimant v, UBS Financial Services Inc. and John Orr, Respondents Case Number: 05-00108 Hearing Site: Los Angeles, California Nature of the Dispute: Customer v. Member and Associated Person REPRESENTATION OF PARTIES For Claimant: Paul and Juli Roupinian, Trustees In Propria Persona Rancho Palos Verdes, California For Respondents

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 05-00107 Paul Jones Name of the Respondents Hearing Site: Dallas, Texas D.E. Frey & Company, Inc.; The (Wilson) Williams Financial Group; Lewis & Lewis Securities, Inc.; Ronald E. Lewis; and, America Skandia Marketing, Inc. NATURE OF THEJ3ISPUTE Public Customer vs, Member Firms, Non-Member Firm and Associated Persons REPRESENTATI