Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 02-03420 Ronald R. Dowling Name of the Respondents Hearing Site: Chicago, Illinois Allmerica Investments, Inc. and Allmerica Financial Life Insurance and Annuity Co. and Name of Counter Claimant Allmerica Financial Life Insurance and Annuity Co. Name of Counter Respondent Ronald R. Dowling REPRESENTATION OF PARTIES Stuart D.

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 02-03417 Sheldon Leibowitz Names of the Respondents Hearing Site: Boca Raton, Florida Merrill Lynch, Pierce, Fenner & Smith, Inc. Nicholas F. Fiegoli REPRESENTATION OF PARTIES Sheldon Leibowitz, hereinafter referred to as "Claimant", appeared pro se. For Respondents Merrill Lynch, Pierce, Fenner & Smith, Inc. ("MLPFS") and Nicholas F. Fiegol

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 02-03415 Allen K. Teasley Name of the Respondent Hearing Site: Atlanta, Georgia Wachovia Securities, Inc. Nature of the Dispute: Associated Person vs. Member. REPRESENTATION OF PARTIES For Allen K. Teasley, hereinafter referred to as "Claimant": Gary Bunch, Esq., Gary Bunch, P.C., Atlanta, Georgia. For Wachovia Securities, Inc., hereinaf

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Chetty Mamandur Uma Sunku Mamandur Names of the Respondents Prudential Securities, Inc. John Strangfeld Case Number: 02-03414 Hearing Site: Little Rock, AR Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES Chetty Mamandur and Uma Sunku Mamandur, hereinafter collectively referred to as "Claimants

Award NASD Dispute Resolution In the Matter ot the Arbitration between: Name of the Claimant Case Number: 02-03413 Lisa Scherrer Name of the Respondent Hearing Site: Boca Raton, Florida Janney Montgomery Scott LLC Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES For Lisa Scherrer ("Scherrer"), hereinafter referred to as "Claimant": Debra A. Jenks, Esq., Dobin & Jenks, LLP, Jupiter, Florida. For Janney Montgomery Scott LL

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 02-03412 Cynthia Hirshenson Names of the Respondents Hearing Site: Orlando, Florida Louis J. Spaccio Anchor Management Group, hie. REPRESENTATION OF PARTIES For Cynthia Hirshenson, referred to as "Claimant": Allan P. Whitehead, Esq., Frese, Nash & Hansen, P.A., Melbourne, Florida. Louis J. Spaccio, referred to as "Respondent Spaccio", ap

4 4* Amended Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of. the Claimant Will N. Spear Names of the Respondents Merrill Lynch, Pierce, Fenner & Smith, Inc. Robert Brinckerhoff Case Number. 02-03410 Hearing Site: Boca Raton, Florida Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For Will N. Spear ("Spear"), hereinafter referred to as "Claiman

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Mary Mackenzie Anderson Sholtz, Individually and as Trustee of the Mary Mackenzie Anderson Charitable Remainder Trust and as Trustee of the Mary White Anderson Charitable Unitrust I; and Walter G. Anderson, Individually and as Trustee of the Walter Anderson Charitable Remainder Trust and as Trustee of the Mary White A

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Dale M. and Rita M. Boyko JTWROS, and Paul J. Konarzewski, Claimants v. Morgan Stanley DW Inc., John S. Gunnison, Jr., and Scott J. Dauenhauer, Respondents Case Number: 02-03401 Hearing Site: Los Angeles, California Nature of Dispute: Customers v. Member and Associated Persons REPRESENTATION OF PARTIES For Claimants: Jeff Dennis Ferentz, Esq. Law Offices of Jeff Dennis Feren

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION, INC. CASE: 00-02728 Randy S. Gould, Claimant vs. Ameritrade, Inc., Respondent. ATTORNEYS: Claimant, Randy S. Gould appeared Pro Se, Nashua, NH. Respondent, Ameritrade, Inc., appeared through its in-house counsel, James J. Vihstadt, Bellevue, NE. DATE FILED: June 27, 2000 CASE SUMMARY: Claimant alleged that Respondent was negligent in the management of his margin account, and liquidated his p