AWARD FINRA Dispute Resolution In the Matter of the Arbitration Between: Names of Claimants / Counter-Respondent Am Tmst Investment Sen/ices, Inc., Am Trust Insurance Agency, Inc., and Am Tmst Bank vs. Case Number: 07-02012 Hearing Site: Cleveland, Ohio Names of Respondents / Counter-Claimant Charter One Investment Services, Charter One Financial, Inc., David P. Kopsak, Robbin Renee Guy, and Jonathan R. Mesok NATURE OF THE DISPUTE

AWARD FINRA Dispute Resolution In the Matter of the Arisitration Between: Name of Claimant / Counter-Respondent Lawrence G. Adelman vs. Case Number: 06-03052 Hearing Site: Cleveland, Ohio Name of Respondent / Counter-Respondent H&R Block Financial Advisors, inc. n/k/a Ameriprise Advisor Sen/ices, Inc. Associated Person vs. Member Lawrence G. Adelman ("Claimant" or "Adelman") was represented by Joshua R. Cohen, Esq., Cohen Rosenthal & Kra

AWARD FINRA Dispute Resolution In the Matter of the Arbitration Between: Name of Claimant Ameriprise Financial Services, Inc. vs. Name of Respondent Vladimir Victor Case Number: 08-00809 IHearing Site: Cleveland. Ohio NATURE OF THE DISPUTE Member vs. Associated Person REPRESENTATION OF PARTIES Ameriprise Financial Services, Inc. ("Claimant" or "Ameriprise") was represented by Edward B. Magarian, Esq., Dorsey & Whitney, LLP, Minne

AWARD FINRA Dispute Resolution In the Matter of the Arisitration Between: Name of Claimant Robert W. Baird & Co. Incorporated vs. Case Number. 08-00797 Hearing Site: Southfield, Michigan Names of Respondents Morgan Stanley DW, Inc., Larry Bluhm. Christopher Emvall. and Michele Vanderiinde Member vs. Memt>er and Associated Persons Robert W. Baird & Co. Incorporated ("Claimant") was represented by Scott J. Void, Esq., and Christopher J. Ba

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number 08-00991 Nicholas Saab, individually and as President of American Voice Corp., Dianne Saab, individually and as Secretary of American Voice Corp., and American Voice Corp. Name of the Respondent Hearing Site: Boca Raton, Florida E*Trade Securities, Inc. Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES For N

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Rosario Modica and Frances Modica (Claimants) vs. Troy L. Gagliardi (Respondent) Case Number: 08-00023 Hearino Site: New York, New York Nature of the Dispute: Customers vs. Associated Person REPRESENTATION OF PARTIES Claimants Rosario Modica ("R. Modica") and Frances Modica ("F. Modica") hereinafter collectively referred to as "Claimants": James A. Prestiano, Esq., The Law Offices

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: William Gomez (Claimant) vs. The Keystone Equities Group, L.P., and William B. Fretz, Jr., (Respondents) Case Number: 06-05265 JHearino Site: Philadelphia. Pennsylvania Nature of the Dispute: Associated Person vs. Member and Associated Person REPRESENTATION OF PARTIES Claimant William Gomez hereinafter referred to as "Claimant": William J. Clements, Esq., Klehr Harrison Harvey

FINRA DISPUTE RESOLUTION AWARD FINRA DISPUTE RESOLUTION CASE: 08-02391 Rockwell Securities LLC ("Claimant") vs. Ray Anthony Gamdo San Pedro ("Respondent") ATTORNEYS: For Claimant appeared Daniel Sakol, New York, NY. Respondent Ray Anthony Garrldo San Pedro did not submit an Answer to the Statement of Claim. NATURE OF DISPUTE: Member vs. Associated Person DATE FILED: July 11. 2008 CASE SUMMARY: Claimant alleged that Respondent breached an Emp

FINRA DISPUTE RESOLUTION AWARD FINRA DISPUTE RESOLUTION CASE: 08-01913 Lanny A. HonA/itz Revocable Trust, ("Claimant") vs. Citigroup Global Markets, Inc. and David Noble, ("Respondents") ATTORNEYS: Claimant appeared pm se, Jupiter, FL For Respondents appeared in-house counsel Douglas Appel, Esq.. New York, NY. NATURE OF DISPUTE: Customer v. Member and Associated Person DATE FILED: June 12, 2008 CASE SUMMARY: Claimant alleged that Respondents mad

FINRA DISPUTE RESOLUTION AWARD FINRA DISPUTE RESOLUTION CASE: 07-02354 Sandra J. Pennington ("Claimant") vs. Main Street Securities, LLC ("Respondent") ATTORNEYS: For Claimant appeared Jeffrey S. Kruske, Esq., Overland Park, KS. For Respondent appeared Rodney K. Vincent, Esq., Lincoln, NE. NATURE OF DISPUTE: Customer v. Member DATE FILED: August 14, 2007 CASE SUMMARY; Claimant alleged misrepresentations, material omissions of fact, failure to su