STIPULATED AWARD NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant: Case Number: 02-03962 MEREDITH L. PAYNE 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 Meredith L. Payne, hereinafter referred to as "Claimant": John Martin Eades, Jr., Esquire, Alabaster, Alabama. For