Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Kenneth Alan Horowitz Kenneth Alan Horowitz IRA Kenneth Alan Horowitz Family Foundation Jonathan Murray Horowitz U/FIAJTMA Michael Horowitz U/FL/UTMA Barbara Horowitz Barbara Horowitz IRA Names of the Respondents Salomon Smith Barney, Inc. n/k/a Citigroup Global Markets, Inc. Citigroup, Inc. Jack Grubman James Stern Z

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimants Rolan and Ellen Duffield Name of the Respondents Morgan Stanley DW, Inc., Wesley L. Gates, and Stephen Warren. Case Number: 03-01930 Hearing Site: Chicago, Illinois NATURE OF THE DISPUTE Customer v. Member Firm and Associated Person REPRESENTATION OF PARTIES Diane A. Nygaard, Esq., of the Nygaard Law Firm, located in Leawood.

Award NASD Dispute Resolution In the Matter of the Arbitration Between: The Goldman Family Trust dated 7/14/94, Claimant v. Credit Suisse First Boston Corporation, Christopher M. Laver and Scott C. Sorenson, Respondents Case Number: 03-01927 Hearing Site: San Francisco, California Nature of the Dispute: Customer vs. Member and Associated Persons REPRESENTATION OF PARTIES For Claimant: Timothy A. Canning, Esq. Richard Sacks Novato, California

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Names of Claimants James L. Buchanan and Edith C. Buchanan and Names of Respondents Raymond James & Associates, Inc., Raymond James Financial Services, Inc. and Carl Wilson Stuart Case Number: 03-01925 Hearing Site: Houston, Texas NATURE OF DISPUTE Customers v. Member Firms and Associated Person REPRESENTATION OF PARTIES James L. Buchanan and Edith C. Buch

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Phillip J. Buchanan Living Trust, Claimant v. Merrill Lynch, Pierce, Fenner & Smith, Inc. and Daniel Francis Friel, Jr., Respondents Case Number: 00-03568 Hearing Site: San Francisco, California REPRESENTATION OF PARTIES For Claimant: George S. Trevor, Esq. Law Office of George S. Trevor Corte Madera, California For Respondents: Eric J. Glassman, Esq. Mennemeier, G

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Mario Bonilla La Belle Group, Ltd. Name of the Respondent Merrill Lynch, Pierce, Fenner & Smith, Inc. Case Number: 03-01923 Hearing Site: Boca Raton, Florida Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES For Mario Bonilla and La Belle Group, Ltd., hereinafter collectively referred to as "Claimants": Jeffrey Erez,

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Dennis J. Reardon and 03-01917 Phoenix, Arizona Name of Respondents Prudential Securities, Inc. n/k/a Prudential Equity Group LLC Gary G. Vescio Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES Dennis J. Reardon ("Claimant") was represented by Raymond M. Hunter, Esq., Galbut & Hunter, P.C., Phoenix, Arizo

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Jennifer Bernard Trust, Nancy Lowendahl, Trustee (Claimant) v. A.G. Edwards & Sons, Inc. and Robert Alex Nogrady (Respondent) Case Number: 03-01916 Hearing Site: New York, New York Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES Claimant Jennifer Bernard Trust, Nancy Lowendahl, Trustee ("Trust") hereinafter referred to as "Claimant": S

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Wachovia Securities, Inc. Name of the Respondent AlanR.O'Kell Case Number: 03-01911 Hearing Site: Orlando, Florida Nature of the Dispute: Member vs. Associated Person. REPRESENTATION OF PARTIES For Wachovia Securities, Inc. ("Wachovia"), hereinafter referred to as "Claimant": Jonathan E. Levine, Esq., Law Office of Daniel S. Fiore, Arlington, VA.

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Barbara Wennberg (Claimant) v. MetLife Securities, Inc., Edward Dennis Pakel, and Randolph S. Nathanson (Respondents) Case Number: 03-01909 Hearing Site: New York, New York Nature of the Dispute: Customer v. Member and Associated Persons. REPRESENTATION OF PARTIES Claimant Barbara Wennberg ("Wennberg") hereinafter referred to as "Claimant": John E. Lawlor, Esq., Mineo