Stipulated Award NASD Dispute Resolution In the Matter of Arbitration Between: Names of the Claimants Case Number: 02-04009 Carl Millman, as trustee for the Carl & Phyllis Millman Trust UAD 9/3/91 and on behalf of the Carl Millman IRA; and Phyllis Millman, as trustee Hearing Site: Boca Raton, Florida for the Carl & Phyllis Millman Trust UAD 9/3/91 and on behalf of the Phyllis Millman IRA Names of the Respondents Merrill Lynch, Pierce, Fenner & S