STIPULATED AWARD NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants: Case Number: 02-03987 ' . URIAS and BRENDA TAYLOR Names of the Respondents: Hearing Site: Atlanta, Georgia DONALD J. JOHNSON, RETIREMENT SPECIALISTS OF THE SOUTH, INC., and SUNAMERICA SECURITIES, INC. REPRESENTATION OF PARTIES For Urias and Brenda Taylor, hereinafter referred to as "Claimants": John Martin Eades, Jr., Esquire, Alabaster