Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Theresa Walsh (Claimant) v. Capital Analysts, Inc., EPA Financial Services Corp., and Robert J. Richards, Sr. (Respondents) Case Number: 02-06755 Hearing Site: New York, New York Nature of the Dispute: Customer v. Member, Non-Member, and Associated Person. REPRESENTATION OF PARTIES Claimant Theresa Walsh ("Walsh") hereinafter referred to as "Claimant": Chad N. Cagan, Esq.

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Emil J. Jutrowski (Claimant) v. Janney Montgomery Scott LLC (Respondent) Case Number: 02^06754 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimant Emil J. Jutrowski ("Jutrowski") hereinafter referred to as "Claimant": Robert D. Piliero, Esq., Piliero Goldstein Kaiser & Mitchell, LLP, New York, NY. Previously represented by: Robert D. Piliero, Esq. and Andrew T. Solom

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 02-06745 Rodney J. Glover, Claimant vs. Ameritrade, Inc., Respondents. ATTORNEYS: Claimant, Rodney J. Glover, ("Claimant"), appeared Pro Se., New Orleans, LA. Respondent, Ameritrade, Inc., ("Respondent"), appeared through its in-house counsel, James J. Vihstadt, Bellevue, NE. DATE FILED:November 8, 2002 CASE SUMMARY: Claimant alleged that Respondent violated NASD/NYSE Rules 2520 and 301

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 02-06744 Kenneth W. and Barbara L. Pennington, claimants vs. HA&W Strategic Partners, LLC and HA&W Capital Partners, LLC, respondents. ATTORNEYS: Claimants appeared pro se, Lithonia, GA. For Respondents appeared in-house counsel N. Nicholas Bhandari, Atlanta, GA. DATE FILED: November 8, 2002 CASE SUMMARY: Claimants alleged that respondents were unable to provide documentation supporting

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION, INC. CASE: 00-04142 Charles Schwab & Co., Inc., Claimant vs. Vijaya V. Panthaki, Respondent. ATTORNEYS: For Claimant appeared Brandon K. Hemley, Esq., Charles Schwab & Company, Inc., San Francisco, CA. Respondent did not make an appearance in this matter. DATE FILED: September 21, 2000 CASE SUMMARY: Claimant alleged that the Respondent failed to repay debit balance. Claim Data Claim: $24

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between Names of Claimants Leonard A. Speckin and Pamela A. Speckin and Names of Respondents Raymond James & Associates, Inc. and George A. Pf leger Case Number: 02-06738 Hearing Site: Detroit, Michigan NATURE OF DISPUTE Customers v. Member Firm and Associated Person REPRESENTATION OF PARTIES Leonard A. Speckin and Pamela A. Speckin ("Claimants") were repre

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Claimant Miller Johnson Steichen Kinnard, Inc. v. 02-06736 Minneapolis, Minnesota Respondents Northland Securities, Inc., Thomas Bartzen, Mark Beese, Steven Mattson, J. Patrick Maloney IE, Richard Reynolds, Seth Kahn, Brian Kujawa, Paul Donna, Steven Gapinski, Gracia Butwin, Nicholas Skarich, Ryan McEnerney, Bryan Johnson, Cyndy Litke and Gary Nelson Counter-C

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Myra Rattner (Claimant) v. Morgan Stanley DW, Inc. and Andrew Nygren (Respondents) Case Number: 02-06733 Hearing Site: New York, New York Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES Claimant Myra Rattner ("Rattner") hereinafter referred to as "Claimant": Lawrence M. Gottlieb, Esq., Hass & Gottlieb, Scarsdale, NY. Respondents Morgan

Award NASD Dispute Resolution In the Matter of the Arbitration Between: First Union Securities, Inc. (Claimant) v. Ronald Kramer (Respondent) Case Number: 02-06730 Hearing Site: New York, New York Nature of the Dispute: Member v. Associated Person. REPRESENTATION OF PARTIES Claimant First Union Securities, Inc. ("FUSI") hereinafter referred to as "Claimant": John E. MacDonald, Esq., Stark & Stark, P.C., Princeton, NJ. Respondent Ronald Kramer ("Kram

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Continental Broker-Dealer Corp. Name of the Respondent Terry Fields Case Number: 02-06728 Hearing Site: Boca Raton, Florida Nature of Dispute: Member vs. Associated Person. REPRESENTATION OF PARTIES For Continental Broker-Dealer Corp., hereinafter referred to as "Claimant": Timothy Feil, Esq., Finkelstein & Fell, LLP, Garden City, New