Award NASD Dispute Resolution In the Matter of the Arbitration Between: Jeanette F. Monteverde and Jeanette L. Monteverde, (Claimants) vs. Advest, Inc., Nina Schurz, and William Freitag, (Respondents) Case Number: 02-01335 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimants, Jeanette F. Monteverde ("J.F. Monteverde") and Jeanette L. Monteverde ("J.L. Monteverde")* hereinafter collectively referred to as "Claimants", appeared pro se.

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 02-01331 Marty A. Nardi, claimant vs. Ladenburg Thalmann & Co., Inc., respondent. ATTORNEYS: For Claimant appeared Steve A. Miller, Esq., Denver, CO. For Respondent appeared in-house counsel, Joseph Giovanniello, Jr., Esq. DATE FILED: March 6, 2002 CASE SUMMARY: Claimant alleged that respondent made misrepresentations regarding investments made in his account. Claimant maintained that due t

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 02-01330 Ruth F. Epstein, claimant vs. A.G. Edwards & Sons, Inc., Melanie G. Israel, and Harry W. Moses, respondents. Betsy P. Chapman ATTORNEYS: For Claimant appeared Bernard A. Kansky, Esq., Boston, MA. For Respondents A.G. Edwards & Sons, Inc., Betsy P. Chapman, and Harry W. Moses appeared in-house counsel, Phyllis A. Hartrich, Esq., St. Louis, MO. Respondent Melanie G. Israel did no

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 02-01329 Steve French, claimant vs. Quick & Reilly Inc., respondent. ATTORNEYS: Claimant appeared pro se, Tallahasse, FL. For Respondent appeared Erik W. Scharf, Esq., of the firm Morgan, Lew; Miami, FL. s & Bockiys LLP, DATE FILED: March 6, 2002 CASE SUMMARY: Claimant alleged that respondent failed to disclose information regarding respondent's company and the contract to open the

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Mark K. Gerstenfeld and Anita Gerstenfeld v. Salomon Smith Barney, Inc. and Patrick Michael Donovan Case Number: 02-01325 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimants, Mark K. Gerstenfeld and Anita Gerstenfeld, hereinafter collectively referred to as "Claimants": Martin J. Siegel, Esq., 150 Broadway, Suite 1400, New York, New York 10038- 4401.

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION. INC. CASE: 00-02517 Eileen Steinhardt, Claimant vs. T.D. Waterhouse Investor Services, Inc., Respondent. ATTORNEYS: Claimant, Eileen Steinhardt, ("Claimant"), appeared Pro Se., Paramus, NJ. For Respondent, T. D. Waterhouse Investor Services, Inc. ("Respondent"), appeared in-house counsel, Janis Campanella, New York, NY. DATE FILED: June 13, 2000 CASE SUMMARY: Claimant alleged that on February 14

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Gabrielle Yacenda Educational Trust, Jeanine Yacenda Educational Trust and Aberdeen Mortgage Investors, LLC (Claimants) v. Somerset Financial Group, Inc., Jeffrey Lafferty, Douglas Toth, and VFinance Investments, Inc. (Respondents) Case Number: 02-01324 Hearing Site: New York, New York Nature of the Dispute: Customers vs. Members and Associated Persons, REPRESENTATION OF PARTIES

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 02-01318 Colonel and Mrs. George G. Isenhower Names of the Respondents Hearing Site: Atlanta, Georgia Morgan Keegan & Company, Inc. Christopher Byrd Tucker Robert Samuel Chambers REPRESENTATION OF PARTIES For Colonel and Mrs. George G. Isenhower, hereinafter collectively referred to as "Claimants": Lange Clark, P.C., Birmingham, Al

Award NASD Dispute Resolution ETThelSIatter ot th^ArDuration" Between: Name of the Claimant Case Number: 02-01317 Daniel Stefanko Name of the Respondent Hearing Site: Boca Raton, Florida Scottsdale Securities, Inc. REPRESENTATION OF PARTIES For Daniel Stefanko ("Stefanko"), hereinafter referred to as "Claimant": John A. Yanchek, Esq., Sarasota, Florida. For Scottsdale Securities, Inc. ("SSI"), hereinafter referred to as "Respondent": Sherri

Award "NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 02-00968 Johnnie Lloyd Name of the Respondent Hearing Site: Tampa, FL Raymond James Financial Services, Inc. Nature of the Dispute: Associated Person vs. Member. REPRESENTATION OF PARTIES For Johnnie Lloyd, hereinafter referred to as "Claimant": Tarya A. Tribble, Esq., Riverview, FL. For Raymond James Financial Services, Inc. ("RJFS"), here