Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Richard A. Fry, IRA Rollover, Claimant v. TD Waterhouse Investor Services, Inc., Respondent Case Number: 00-02650 Hearing Site: Las Vegas, Nevada REPRESENTATION OF PARTIES For Claimant: Mont E. Tanner, Esq. Law Offices of Mont E. Tanner Henderson, Nevada For Respondent: John L. Erickson, Jr., Esq. Jones, Bell, Abbott, Fleming, Fitzgerald, L.L.P. Los Angeles

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Name of the Claimant Ann J. Rupick Name of the Respondents Northern Trust Securities, Inc. and Candace R. Janowski Case Number: 02-01722 Hearing Site: Chicago, Illinois Name of the Counterclaimant Northern Trust Securities, Inc. Name of the CounterRespondent Ann J. Rupick Name of the Crossclaimant Northern Trust Securities, Inc. Name of the Cros

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Kerry Garcia, individually and as Trustee of the Kerry Garcia IRA Account and 02-01721 St. Louis, Missouri Name of Respondents Edward D. Jones & Company, L.P. d/b/a Edward Jones Daniel Shelley REPRESENTATION OF PARTIES Kerry Garcia, individually and as Trustee of the Kerry Garcia IRA Account ("Claimant") was represented by Stuart Berkowitz, Esq., Plat

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Names of Claimants Denna Long and Willie Richards and Case Number: 02-01720 Hearing Site: Troy, Michigan Names of Respondents Merrill Lynch Pierce Fenner & Smith, Inc. Merrill Lynch, and Robert Roland REPRESENTATION OF PARTIES Denna Long a/k/a Denna Long Simpson ("Long") and Willie Richards ("Richards"), hereinafter referred to as "Claimants," were represented by Anth

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Roseanne Bemardini Name of the Respondents Morgan Stanley Dean Witter, Inc., Stacy R. Cohn, and Christine J. Chesters Case Number: 02-01718 Hearing Site: Chicago, Illinois Type of Controversy: Customer v. Member Firm and Associated Persons REPRESENTATION OF PARTIES Claimant Roseanne Bernardini ("Bemardini") was represented by Gregory A. Friedman,

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimants The Joseph J. Barbieri Revocable Trust, Michael J. Barbieri, Trustee, and Ashley Elizabeth Limited Partnership, Michael and Jessica Barbieri, Trustees and 02-01717 St. Louis, Missouri Name of Respondents CIBC World Markets Corp. David P. Brandt REPRESENTATION OF PARTIES The Joseph J. Barbieri Revocable Trust, Michael J. Barbieri, Trustee, Ashley

12/03/2002 10:16 FAX 6023875001 REGUS^BUSINESS CENTRE * 12/03/02 TUE~10;4G FAX NASD REGULATION NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant James F, Luterbach and 02 -° m6 Phoenix, Arizona Name of Respondents American Investment Services, Incorporated Thomas Kyro IfmPRESETNjTATTQN OF PARTIES James F. Luterbach ("Claimant") was represented by Mr- David R. Jordan, Esq., Titus, Brueckner &

Award NASD Dispute Resolution In the Matter of the Arbitration Between: f fb p - f^fliniflTit fflgf l^irnb^r 02-01715 Simon A. Bulko f the- Rft s p n rKl p rjfo Hiring Sit ff ' Dallas, Texas Morgan Stanley DW Inc.; and, Shane M. Khubchandani Public Customer v. Member Firm and Associated Person OF Claimant Simon A. Bulko, hereinafter referred to as "Claimant": Christie M. Villarreal, Esq., G. Michael Gr

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Charles H. Gragg and Cheryl L. Gragg, Claimants v. SnnAmerica Securities, Inc., SunAmerica, Inc., Retirement Planning Specialists, William S. Andrews, Respondents Case Number: 02-01712 Hearing Site: Reno, Nevada Nature of the Proceeding: Customer v. Member, Non-Member and Associated Person REPRESENTATION OF PARTIES For Claimants: Ronald J. Tocchini, Esq. Tocchini & Associate

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name fvPthp Claimant f.ase Niimher- 02-01708 Georgene Ambrose e nfthp Respondents Hearing Site- Philadelphia, PA Prudential Equity Group, Inc. John J. Parker Stephen M. Moore William H. French, E James R. Zitch Nature of the Dispute: Customer vs. Member and Associated Persons. REPRESENTATION OF PARTIES Claimant, Georgene Ambrose ("Claimant"), was represented by W