Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant David Neil Frand Name of the Respondent Merrill Lynch, Pierce, Fenner & Smith, Inc. Case Number: 04-04152 Hearing Site: Boca Raton, Florida Nature of the Dispute: Associated Person vs. Member. REPRESENTATION OF PARTIES For David Neil Frand, hereinafter referred to as "Claimant": Leon Greenspan, Esq. and Michael Greenspan, Esq., Greenspan & Greens

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Jerry P. Cotrone (Claimant) v. Citigroup Global Markets, Inc. f7k/a Salomon Smith Barney, Inc. and Mijanou M. Spurdle (Respondents) Case Number: 04-04135 Hearing Site: New York, New York Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES Claimant Jerry< P. Cotrone ("Cotrone") hereinafter referred to as "Claimant": Christopher C.L. Hooper,

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Merrill Lynch, Pierce, Fenner & Smith, Inc. (Claimant) v. Ciaran McKeever and Brian McKeever (Respondents) Case Number: 04-04134 Hearing Site: New York, New York Nature of the Dispute: Member v. Associated Persons. REPRESENTATION OF PARTIES Claimant Merrill Lynch, Pierce, Fenner & Smith, Inc. ("Merrill Lynch") hereinafter referred to as "Claimant": Susan M. Guerette,

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Jack E. McClain and Denise McClain (Claimants) v. H&R Block Financial Advisors, Inc. and Stephen D. Putinski (Respondents) Case Number: 04-04133 Hearing Site: Cleveland. Ohio Nature of the Dispute: Customers vs. Member and Associated Person REPRESENTATION OF PARTIES Claimants, Jack E, McClain ("J. McClain") and Denise McClain ("J. McClain"), hereinafter collectively referred to

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Marian C. Caray, Individually and as Case Number;- 04-04126 Trustee of the Marian C. Caray Revocable Living Trust, Effie M. Kressaty, Individually and ; as Trustee of the Effie Kressaty Rev. Trust, and Kamille A. Kressaty, Claimants. Hearing Site: St. Louis, Missouri v. Royal Alliance Associates, Inc., Pines Financial Group and Salvatore Michael Culella,

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 04-04119 Robert Y. Ryan, Trustee FBO Robert Y. Ryan Names of the Respondents Hearing Site: Tampa, Florida Citigroup Global Markets, Inc., f7k/a Salomon Smith Barney, Inc. Jack B. Grubman Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For Robert Y. Ryan, Trustee FBO Robert Y. Ryan, hereinaf

Award NASD Dispute Resolution In the Matter of the Arbitration Between: R nf the Claimant Connie S. Osborne Name nf the Respondents A.G. Edwards & Sons, Inc. and Polly Sue Jones asfi Number: 04-04115 Hearing Site: St. Louis, Missouri Nature of the Dispute: Customer vs. Member Firm and Associated Person REPRESENTATION OF PARTIES Claimant, Connie S. Osborne, hereinafter referred to as "Claimant": Robert J. Benbenek, Esq. of Devoto & Be

r Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Jose C. Martin, M.D., Trustee, Jose C. Martin, M.D. P.A. Pension Plan U/A DTD 12/27/93 Name of the Respondent Charles Schwab & Company, Inc. Case Number: 04-04109 Hearing Site: Boca Raton, Florida Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES For Jose C. Martin, M.D., Trustee, Jose C. Martin, M.D. P.A. Pension Pl

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Michael G. Maida Names of the Respondents Paragon Financial Group, Inc. Bear Steams Securities Corporation Don W. Reinhard Case No.: 04-04105 (consolidated with 04-04106 and 04-06134) Hearing Site: Tampa, Florida In the Matter of the Arbitration Between: Name of the Claimant Karen Maida McCormick and Michael G. Maida Names of the Resp

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Narnp, nf the Claimants ' Case Numhpr: 04-04097 Gloria J, Field, William C, Field and , William C. Field Trust Name nf thfi Respondent Hearing Site: Chicago, Illinois First Union Securities n/k/a Wachovia Securities, LLC, Prudential Equity Group a/k/a Prudential Financial , and Andrew Martin Nature of the Dispute: Customers vs. Member Firms and Associated Person REPRESEN