FINRA DISPUTE RESOLUTION STIPULATED AWARD FINRA DISPUTE RESOLUTION CASE: 07-02992 Margaret C. Lyon ("Claimant") vs. Merrill Lynch, Pierce, Fenner & Smith Incorporated ("Respondent") ATTORNEYS: Margaret C. Lyon appeared pro se, Winchester, MA For Merrill Lynch, Pierce, Fenner & Smith Incorporated appeared Michael J. Fortunato, Esq., Rubin, Fortunato & Harbison, P.C, Paoli, PA. NATURE OF DISPUTE: Associated Person v. Member DATE FILED: October 23,

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 06-05365 Katherine Griffin, individually and as trustee of the Katherine Griffin Living Trust Names of the Respondents Hearinq Site: Washington, D.C. Goldman, Sachs & Co. Lehman Brothers Inc. Sofia Fran kei Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For Katherine Griffin, individually

Award FINRA Dispute Resolution Ifi the Matter of the Arbitration Between: Stuart Lantz (Claimant) vs. Lincoln Financial Advisors Corporation (Respondent) Case Number: 06-01988 Hearinq Site: Newark. New Jersey Nature of the Dispute: Associated Person vs. Member. REPRESENTATION OF PARTIES Claimant Stuart Lantz hereinafter referred to as "Claimant": Debra G. Speyer, Esq., Law Office of Debra Speyer, Bala Cynwyd, PA. Previously represented by Morgan W.

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 07-01363 David Dawsey Names of the Respondents Hearing Site: Birmingham, Alabama Raymond James Financial Services, Inc. Raymond James & Associates, Inc. AIG SunAmerica Life Assurance Company Chappell & Holman Financial Advisors, Inc. Ann Holman Maxine Chappell Nature of the Dispute: Customer vs. Member, Non-Member and Associated Per

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 06-02039 Fred Barrett Irene S. Barrett Walter Bell Caroline Bell Lawrence Castriotta as Personal Representative of the Estate of Ina Castriotta Lauretta DeMeo Sheldon Greenberg Dorothy Jones Alan Levy Linda Materazzi David E. Morrill Nancy J. Morrill Anthony Nales on behalf of Desarata Building Corp. Gale F

AWARD FINRA Dispute Resolution In the Matter of the Arbitration Between: Names of Claimants Neal Winberg, Shelley Winberg, the Winberg Family Charitable Trust, and the Winberg Family Partnership, LLP vs. Names of Respondents Charies Schwab & Company, inc., Omnivest, Inc., Donald A. Silversmith, Debra B. Silversmith, Steriing Partners, Inc., and Silversmith Financial Corporation Case Number: 06-04822 Hearing Site: Omaha, Nebraska

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Laura Franzese and Pat Franzese (Claimants) vs. Cariin Financial Group, Inc., Cariin Equities Corp., and Ronald H. Shear (Respondents) Case Number: 06-05282 Hearing Site: New York, New York Nature of the Dispute: Associated Persons vs. Non-Member, Member and Associated Person. REPRESENTATION OF PARTIES Claimants Pat Franzese ("P. Franzese") and Laura Franzese ("L. Franzese"),

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 03-08035 E*TRADE Securities LLC Name of the ResDondents Hearina Site: San Francisco, California Christina Renee Suh, al(a Christina R. Such Cameron Razavi Nature of the Dispute: Member v. Customers REPRESENTATION OF PARTIES Claimant, E*TRADE Securities LLC ("E*TRADE''): John Bersin, Esq., E*TRADE Securities LLC, Roseville, California

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Oscar R. Munguia Name of the Respondents New Castie Financial Services LLC s/h/a New Castie Financial Group Inc. John Joseph Conroy Kevin Patricia Brennan Benson Yori^ Group, Inc. Reza Abed I Case Number: 07-00470 Hearinq Site: Los Angeles, California Nature of the Dispute: Customer v. Members and Associated Persons REPRESENTATION OF

stipulated Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Kamran Taval^oii, Claimant v. Newpoint Securities LLC, John Farahi, and Michael K. Khorsandi, Respondents Newpoint Securities LLC, John Farahi, and Michael K. Khorsandi, Counter-Claimants v. Kamran Tavalcoli, Counter-Respondent Case Number: 03-02675 Hearing Site: Los Angeles, California Nature of the Dispute: Customer v. Member and Associated Persons Member and A