Award NASD Dispute Resolution In the Matter of the Arbitration Between: Kent Bradford Ellis (Claimant) v. TIAA-CREF Individual & Institutional Services, Inc. (Respondent) Case Number: 02-06346 Hearing Site: New York, New York Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES Claimant Kent Bradford Ellis ("Ellis") hereinafter referred to as "Claimant" appeared pro se. Respondent TIAA-CREF Individual & Institutional Services, I

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Edward A. LaScala (Claimant) v. HSBC Securities (USA), Inc. (Respondent) Case Number: 02-06343 Hearing Site: New York, New York Nature of the Dispute: Associated Person vs. Member f REPRESENTATION OF PARTIES Claimant Edward A. LaScala, hereinafter referred to as "Claimant": Alan L. Sklover, Esq., Sklover & Associates, LLC, New York, NY. Respondent HSBC Securities (USA), Inc.

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants William I. Gold, Trustee, TUA William I. Gold DTD 12/5/00 Ruth H. Gold, Trustee, TUA Ruth H. Gold DTD 12/5/00 Names of the Respondents Morgan Stanley Mark Binko Case Number: 02-06340 Hearing Site: Boca Raton, Florida Nature of the Dispute: Customer vs. Member and Associated Person, REPRESENTATION OF PARTIES For William I. Gold, Trus

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Names of Claimants Arthur Schechet, Individually and as Trustee of The I. Arthur Schechet Trust Names of Respondents Citigroup Global Markets, Inc., Jessie E. Collins-Rehil and Andrew M. Beider Case Number: 02-06335 Hearing Site: Southfield, Michigan NATURE OF DISPUTE Customers v. Member and Associated Persons REPRESENTATION OF PARTIES I. Arthur Schechet,

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 02-06329 Michael S, Radetsky Sally M. D'Angelo Michael S. Radetsky and Sally M. D'Angelo Revocable Trust Michael R. Alford Shannon R. Alford Robertson and Mary Paige Alford Dorothea B. Alford Trust Names nf the Respondents Hearing Site- Washington, D.C. Fidelity Brokerage Services, LLC Fidelity Investments Ferris Baker Watt

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Ten L. Mischler, Claimant v. P. Rene Steede and First Union Securities, Inc. (now known as Wachovia Securities, Inc.), Respondents Case Number: 02-06324 Hearing Site: San Francisco, California Nature of the Dispute: Customer y. Member and Associated Person REPRESENTATION OF PARTIES For Claimant: In Propria Persona Fresno, California For Respondents: Kelly J. Moyni

Award NASD In the Matter of the Arbitration Between: Names of the Claimants Madeline Wall, Amy Wall Bobker and Marcia Wall Name of the Respondent Mark Simon Case Number: 02-06319 Hearing Site: Boca Raton, Florida REPRESENTATION OF PARTIES For Madeline Wall, Amy Wall Bobker and Marcia Wall, hereinafter collectively referred to as "Claimants": Darren C. Blum, Esq., Law Offices of Darren C. Blum, P.A., Plantation, Florida. For Mark Simo

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Heinz Guenther Pink, Claimant v. Raymond James Financial Services, Inc., John H. Chilcott and Lance C. Newby, Respondents Lance C. Newby, Counter-Claimant v. Heinz Guenther Pink, Counter-Respondent Lance C. Newby, Third-Party Claimant v. Jonathan Masura Emura, Ching-Hui "Candy" Wang, and Shawn B. McKay, Third-Party Respondents Case Number: 02-06313 Hearing Site: Honolulu, Hawaii

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Landis S. Everson, Turstee for the Landis S. Ever son Family Trust, Claimant v. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Martin Barry Epperson, Respondents Case Number: 02-06312 Hearing Site: Los Angeles, California Nature of the Dispute: Customer v. Member and Associated Person REPRESENTATION OF PARTIES For Claimant: Sig M. Haddad, Esq. Attorney at Law San Lui

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names nf the Claimants Pase Number 02-06309 Edward J. O'Neill Carla C. O'Neill Names nf the Respondents Hearing Site: Philadelphia, PA Merrill Lynch, Pierce, Fenner & Smith, Inc. Kevin W. Kolmer John R. Pierce, Jr. Joseph P. Brooks Susan Bonetto Nature of the Dispute: Customers v. Member and Associated Persons. RF.PRFSF.NTATION OFPARTTFS Claimants,