Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Rafique Pasha and Parveen Pasha (Claimants) v. Merrill Lynch, Pierce, Fenner & Smith, Inc., Alberico Sessa, David Kasell, and Joseph Kasell (Respondents) Case Number: 02-06867 Hearing Site: New York, New York Nature of the Dispute: Customers v. Member and Associated Persons. REPRESENTATION OF PARTIES Claimants Rafique Pasha ("R, Pasha") and Parveen Pasha ("P. Pasha") here

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Morgan Stanley Dean Witter Online, Inc,, Claimant v. Michael Ghani, Respondent Case Number: 00-04157 Hearing Site: San Diego, California REPRESENTATION OF PARTIES For Claimant: For Respondent: Robert T. Sullwold, Esq. Sullwold & Hughes San Francisco, California Michael Ghani InProSe Rancho Cucamonga, California CASE INFORMATION Statement of Claim file

NASD Dispute Resolution In the Matter of the Arbitration Between: Joseph Guerriero v. J.P. Turner & Company, LLC and John Columbia Case Number: 02-06865 Hearing Site: New York, NY REPRESENTATION OF PARTIES Claimant Joseph Guerriero ("Guerriero"), hereinafter referred to as "Claimant" appeared pro se at the hearing. Up until August 26,2003, represented by Leon Baer Borstein, Esq., Borstein & Sheinbaum, New York, New York. Respondent J.P. Turner & Company

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 02-06863 Cesar Valle and Ana D. Valle Names of the Respondents Hearing Site: Boca Raton, Florida Citigroup Global Markets, Inc. Gregory Roth Nature of the Dispute: Customer v. Member Firm and Associated Person. REPRESENTATION OF PARTIES Claimants Cesar Valle and Ana D. Valle appeared pro se. For Citigroup Global Markets, Inc. ("Citigro

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Jill Frobeen and Names of Respondents Marvin Pitcock Jan Elcock Scott Keller Case Number: 02-06862 Hearing Site: Southfield, Michigan REPRESENTATION OF PARTIES Jill Frobeen ("Claimant") appeared in pro per. Marvin Pitcock ("Pitcock") was represented by Thomas E. Satrom, Esq., Lock Reynolds LLP, Indianapolis, Indiana as of on or about May 2

STIPULATED AWARD NASD Dispute Resolution In the Matter of the Arbitration Between ' Name of Claimant John Prassas Living Trust, John and Dorothy Prassas and Gail Carey, TTEES and . 02-06859 Chicago, Illinois Name of Respondents , Waterstone Financial Group Inc. i • Denzil Alan Locke Locke Financial Services, Inc. Nature of the Dispute: Customer vs. Member; Associated Person; and Non-Member. : I REPRESENTATION OF PARTIES John

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Peter A. Monkewicz & Christina Monkewicz, JTWROS Case Number 02-06857 Chicago, Illinois and Name of the Respondents Donaldson, Lufkin & Jenrette Securities Corporation, Credit Suisse First Boston Corporation, Michael Vance Noble and Matson Forrest Schwalm Name of the Claimant Consolidated with: Michael J. DeNunzio Case Number

Award NASD Dispute Resolution In the Matter of the Arbitration Between; Name of the Claimant Case Number: 02-06856 Daniel J. Higgins Name of the Respondent Hearing Site: Atlanta, Georgia Fahnestock & Co. f/k/a Josephthal & Co., Inc. Nature of the Dispute: Associated Person vs. Member. REPRESENTATION OF PARTIES For Daniel J. Higgins, hereinafter referred to as "Claimant": Charles M. Dalziel, Jr., Esq. and Joseph B. Alonso, Esq., Brock, Clay,

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 02-06853 Harry Klauber IRA Rollover, Rittenhouse Financial Services Harry Klauber IRA Rollover, Roger Engemann & Assoc. Mgmt. Harry Klauber IRA Rollover, Mitchell Hutchins Asset Mgmt. Names of the Respondents Hearing Site: Boca Raton, FL UBS Financial Services Inc. Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PA

Helen Swanes (CMnmt) v. 21st Century Financial Services, Inc. and Charles Mazdotti Hearing Site: New York, New York Nature of Ike Dispute: Customer v. Member and Associated Person REPRESENTATION OF PARTIES Claimast Helen Swanes ("Swanes") hereinafter referred to as "Claimant": Howard M. RoscnMd, Esq., Famwngton, CT. Respondents 21st Century Financial Services, Inc. ("21 st Century") and Charles Mazziotti OMazziotif) hereinafter collectively referred to as "