NASD REGULATION, INC. AWARD In the Matter of the Arbitration Between Name of Claimants Joan & Robert Fredericks vs. Case No. 96-03379 Name of Respondents Richard G. Gagliardi Lynn Gagliardi American Asset Management Corporation Addison Financial Services, Inc. G.K. Scott & Co., Inc. Donovan Peterkin Russell Frayko LA. Rabinowitz & Co. L.C. Wegard & Co., Inc. REPRESENTATION For Claimants Joan and Robert Fredericks

i u t ' Hf - / NASD REGULATION, INC, AWARD OFFICE OF DISPUTE RESOLUTION In the Matter of the Arbitration Between Nyne of Claimant Dr. Paul K. Simmons, DDS E/B/P and P/S/P 96-03377 Name of Respondents James Brennan* HI j^Koegler, Morgan & Company, Inc. National Financial Services Corporation Brennan, Dyer & Company, L.L.C. REPRESENTATION For Claimant Dr. Paul K. Simmons ("Claimant") appeared Thornwell F. Sowell, Esq., a solo p

AWARD NASD REGULATION. INC.. OFFICE OF DISPUTE RESOLUTION In the matter of the Arbitration Between Name of Ciaimantfsj Arthur J. Benvenuto, As Trustee for the UTA Charles Schwab & Co., Inc. IRA Rollover Dated 4/10/96 v. Name of Respondent^ Charles Schwab & Co., Inc. Arbitration No. 96-03370 REPRESENTATION For Claimant: For Respondent: Patrick N. Keegan, Esq. Krause & Kalfayan San Diego, California Rhonde Y. Jones,

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimant Sonja C. Smith 96-03365 Name of Respondent Brown & Company Securities Corporation CASE SUMMARY In a claim filed with the National Association of Securities Dealers, Inc. on August 5, 1996, claimant Sonja C. Smith ("claimant"), who appeared Pro Se, alleged that on September 14, 1995 she placed an order with respondent Brown & Co

N.A.S.D. REGULATION AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS REGULATION. INC. CASE: 96-03364 Leo Spitzmiller, claimant vs. Javier Hernandez and Greenway Capital Corporation nka Cortlandt Capital Corporation, respondents. ATTORNEYS: Claimant appeared Pro Se, Cincinnati, OH. Respondent Javier Hernandez did not respond to the Statement of Claim. Respondent Greenway Capital Corp. appeared Pro Se, through its Executive Vice President, Fred Luthy,

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimant Alfred S.J. Whang 96-03363 Name of Respondents Investors Associates, Inc Luis Loza Robert Loza CASE SUMMARY r In a claim filed with the National Association of Securities Dealers, Inc. on August 5, 1996, claimant Alfred S.J. Whang ("claimant"), who appeared Pro Se, alleged that respondent Investors Associates, Inc.

AWARD NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between Name of Claimants Nancy M. Perry and The Gilbert David Perry Rowe 1997 Trust and 00-05149 Dallas, Texas Name of Respondents A.G. Edwards & Sons, Inc. and Ted G. Gray, Jr. REPRESENTATION OF PARTIES Nancy M. Perry and The Gilbert David Perry Rowe 1997 Trust ("Claimants") were represented by Michael G. O'Neill, Esq., Law Offices of Michael G. O'Neill, Dallas, Texas.

rV.A,S.D. REGULATION A'VAJRD NATIQNAJL ASSOCIATION OF SECyRlTjES DEALERS RFrafLATTON. INC, CASE: 96-03361 Charles B. Van Horn, claimant v. LaCroix Alexander Financial Corp. and GPS Consultants Corp respondents. ATTORNEYS: Claimant appeared Pro Se. - Visalia, CA. For Respondents Dan R, Waller, Esq., of the firm, Secore & Waller - Dallas, TX. DATE FILED: August 8, 1996. CASE SUMMARY: Claimant alleged negligence, misrepresentations, omissions and e

NASD REGULATION, INC. AWARD OFFICE OF DISPUTE RESOLUTION In the Matter of the Arbitration Between Name of Claimant Rickel & Associates, Inc. 96-03354 Name of Respondent William Nesmith REPRESENTATION For Claimant Rickel & Associates, Inc. ("RAI") appeared Peter Seiden, Esq., of the law office Schneck, Weltman, Hashmall, & Mischel located in New York, New York. Respondent William Nesmith ("Respondent") did enter an appearance in this matter.

NASD REGULATION, INC. AWARD NASD REGULATION, INC. In the Matter of the Arbitration Between Name of Claimant Joseph Mattero 96-03352 Name_af Respondents James Walsh Joseph Dillon & Co. CASE SUMMARY In a claim filed with the National Association of Securities Dealers Regulation, Inc., on September 4, 1996, Claimant, Joseph Mattero ("Claimant"), who appeared pro-se, alleged that in April of 1996 he met with Respondent, James Walsh ("Walsh")