Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Fida Financial Corp., Franklin Martinez and Monique Martinez Names of the Respondents Merrill Lynch, Pierce, Fenner & Smith, Inc. and Andres Ballestas Case Number: 02-01958 Hearing Site: Boca Raton, Florida Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For Fida Financial Corp. ("Fida"

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Patricia F. Walsh IRA, (Claimant) vs. Walnut Street Securities, Inc., Malcolm Chu, and David B. Malkin, (Respondents) Case Number: 02-01955 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimant, Patricia F. Walsh IRA, hereinafter referred to as "Claimant": Eugene L. Small, Esq., Alonso, Ferrigno, Andalkar & Kahn, P.C., New York, NY. Respondents, Walnut Street Secur

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 02-01954 Monique Golden, claimant vs. Salomon Smith Barney and Brenda Neal, respondents. ATTORNEYS: For Claimant appeared Kathryn Dechene, Esq., of the firm Kresch and Kresch, New York, NY. For Respondents appeared in-house counsel, Ann Parry, Esq., Senior Vice President, New York, NY. DATE FILED: April 3, 2002 CASE SUMMARY: Claimant alleged that respondents purchased shares of EFAX.COM and

I Award NASD Dispute Resolution In the Matter of the Arbitration Between: Jeanne Biz, Claimant v. M.L. Stern & Co., Inc. and Stacy Lynn Stern-Portman, Respondents Case Number: 00-02563 Hearing Site: Los Angeles, California REPRESENTATION OF PARTIES For Claimant: J. Jeffrey Morris, Esq. Law Offices of J. Jeffrey Morris Santa Monica, California For Respondents: James D. Portman, Esq. M.L. Stem & Co. Inc. Beverly Hills, California CASE

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name nf thp Pl^imant Pagp Number 02-01953 AbeRakoffand Bertha Rakoff . r»f tVifr Salomon Smith Barney Inc. and Michael J. Levine Claimants, Abe Rakoff and Bertha Rakoff ("Rakoff'), hereinafter referred to as "Claimant": represented by: Allan S. Hoffman, Esq., Washington, D.C. Respondent(s), Salomon Smith Barney Inc. ("SSB") and Michael J. Levine ("Levine"),

Award NASD Dispute Resolution In the Matter of the Arbitration Between: William Wells, Claimant v. UBS PaineWebber, Inc., Wendy Zwilling, Kimberly Klock and George Mather, Respondents Case Number: 02-01951 Hearing Site: Via Conference Call REPRESENTATION OF PARTIES For Claimant: Timothy D. Murphy, Esq. Law Offices of James Jay Seltzer Emeryville, California For Respondents: Payne L. Templeton, Esq. UBS PaineWebber, Inc. Los Angeles, Cali

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Vince Castora, (Claimant) vs. American Investment Services, Inc. and Joseph Szasz, (Respondents) Case Number: 02-01949 Hearing Site: Cleveland, Ohio REPRESENTATION OF PARTIES Claimant, Vince Castora, hereinafter referred to as "Claimant": Robert C. Meeker, Esq., Blakemore, Meeker & Bowler Co., L.P.A., Akron, OH. Respondent, American Investment Services, Inc. ("AIS"), did not mak

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION. INC. CASE: 02-01948 James D. Decker, claimant vs. Sun Trust Capital Markets, Inc., respondent. ATTORNEYS: For Claimant appeared William S. Myers, Esq., of the firm Ellzey & Brooks, LLC, Atlanta, GA. For Respondent appeared Ronald G. DeLuca, Compliance Officer, Atlanta, GA. DATE FILED: April 3, 2002 CASE SUMMARY: Claimant alleged that the respondent placed erroneous and defamatory statements

Award NASD Dispute Resolution In the Matter of the Arbitration Between: James C. Cavuoto, Claimant v. Brett Hughes and Wells Fargo Investments, Respondents Case Number: 02-01946 Hearing Site: Reno, Nevada REPRESENTATION OF PARTIES For Claimant: In Propria Persona For Respondents: Mark S. Flynn, Esql Severson & Werson Irvine,, California CASE INFORMATION Statement of Claim filed: March 29, 2002 Claimant's Uniform Submission Agreement sign

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Names of Claimants Frederick Wheeler and Mieka Wheeler Washington Square Securities and Susan C. DeSantis Case Number: 02-01945 Hearing Site: Southfield, Michigan NATURE OF DISPUTE Customers v. Member and Associated Person REPRESENTATION OF PARTIES Frederick Wheeler and Mieka Wheeler ("Claimants") were represented by Joseph H. Spiegel, Esq., Joseph H. Spiegel, P.C