Award NASD Dispute Resolution In the Matter of the Arbitration Between: Hope Langer (Claimant) v. Salomon Smith Barney (Respondent) Case Number: 04-01223 Hearing Site: New York City, New York Nature of the Dispute: Associated Person v. Member REPRESENTATION OF PARTIES Claimant Hope Langer ("Langer") hereinafter referred to as "Claimant": Mark Elliot Gold, Esq., Tenafly, NJ. Previously represented by Flora A. Butchee, Esq., Citigroup Global Markets Inc.,

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 04-01218 Henry Hannen Liu, Claimant v. Charles Schwab & Co., Respondent ATTORNEYS: Claimant Henry Hannen Liu ("Claimant") appeared pro se, Redwood City, CA. For Respondent Charles Schwab & Co. ("Respondent") appeared Richard A. Karoly, Esq., Charles Schwab & Co., San Francisco, CA. NATURE OF DISPUTE: Customer vs. Member. DATE FILED: February 24, 2004. CASE SUMMARY: Claimant alleged that

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Neil Lauro (Claimant) v. Isabel Sepulveda De Scanlon(Respondent) Case Number: 04-01217 Hearing Site: New York, New York Nature of the Dispute: Associated Person vs. Customer. REPRESENTATION OF PARTIES Claimant Neil Lauro ("Lauro") hereinafter referred to as "Claimant": Jack Ballard, Esq., The Ballard Law Firm, Houston, TX. Respondent Isabel Sepulveda De Scanlon ("De Scanlon") he

AWARD NASD Dispute Resolution. In the Matter of the Arbitration Between Name of Claimant Theresa Dean Smith and 00-05667 Dallas, Texas Name of Respondents Merrill Lynch Pierce Fenner & Smith, Inc. Jay D. Arbetter Merrill Lynch Life Insurance Company REPRESENTATION OF PARTIES Theresa Dean Smith ("Claimant") was represented by E. Steve Watson, Esq., Dallas, Texas. Merrill Lynch Pierce Fenner & Smith, Inc. ("Merrill Lynch"), and Jay D.

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 04-01216 Carl R. Schoh IRA, Claimant v. Lynn Reynolds, Respondent. ATTORNEYS: Claimant, Carl R. Schoh IRA, ("Claimant"), appeared pro se, Rochester, MN. For Respondent, Lynn Reynolds, ("Respondent"), appeared Trae D. Meyr, Esq., of the firm Greensfeider, Hemker & Gale, P.C., St. Louis, MO. NATURE OF DISPUTE: Customer v. Associated Person DATE FILED: February 24, 2004 CASE SUMMARY: Claim

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant William A. Hightower and Case Number: 04-01209 Hearing Site: Houston, Texas Names of Respondents A.G. Edwards & Sons, Inc., Albert Hugh Townsend, John Gillette Burns, Richard W. Ashcroft, David Charles Sprowl, Robert Louis Rogers, and Richard Frank Grabish NATURE OF DISPUTE Associated Person v. Member Firm and Associated Persons REPRESENTA

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 04-01208 Guy Shapiro and Alice Shapiro, JTWROS Names of the Respondents Hearing Site: Boca Raton, 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 Guy Shapiro and Alice Shapiro, JTWROS, hereinafter referre

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 04-01206 John S. Skowronski and Evelyn A. Skowronski, JTWROS Names of the Respondents Hearing Site: Orlando, Florida Citigroup Global Markets, Inc., f/k/a Salomon Smith Barney, Inc. JackB. Grubman Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For John S. Skowronski and Evelyn A. Skowronski, J

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant ' Case Number: 04-01204 Roy F. Cammarano Names of the Respondents Hearing Site: Boca Raton, Florida Morgan Keegan & Company, Inc. Jeff! Edds Nature of the Dispute: Customer vs. Member and Associated Person. ' REPRESENTATION OF PARTIES For Roy F. Cammarano, hereinafter referred to as "Claimant": William G. Leonard, Esq., Leonard & Swenson, LLP, Atlant

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 04-01203 Roseanna Lee Carolyn Nettles as Trustee for the IGW Trust Name of the Respondent Hearing Site: Boca Raton, FL Citigroup Global Markets, Inc. Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES For Roseanna Lee ("Lee") and Carolyn Nettles as Trustee for the IGW Trust ("IGW"), hereinafter collectively referred