Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 02-00295 Charles M. Utz Linda Utz Name of the Respondent Hearing Site: Orlando, Florida Merrill Lynch, Pierce, Fenner & Smith Incorporated REPRESENTATION OF PARTIES For Charles M. Utz and Linda Utz, collectively referred to as "Claimants": Christopher T. Vernon, Esq. and C. Richard Mancini, Esq., Treiser, Collins & Vernon, Naple

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Due Ha, Claimant v. WMA Securities, Inc., World Marketing Alliance, Inc., World Group Securities, Inc., Aegon USA, Inc., Xuan T. Nguyen, Tuan A. Le, Lourdes C, Mulingbayan, and Lito A. Mulingbayan, Respondents Case Number: 02-00291 Hearing Site: San Diego, California Nature of the Dispute: Associated Person v. Members, Non-Members, and Associated Persons REPRESENTATION OF PARTIE

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Jay H. Schroeder, Claimant v. Merrill Lynch, Pierce, Fenner & Smith, Inc. and Mark L. Gringeri, Respondents Case Number: 02-00288 Hearing Site: Los Angeles, California Nature of the Dispute: Customer v. Member and Associated Person REPRESENTATION OF PARTIES For Claimant: John F. Petrini, Esq. Borton, Petrini & Conron, LLP Bakersfield, California For Respondent

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Randy Osborn, (Claimant) vs. Prim Securities, (Respondent) Case Number: 02-00286 Hearing Site: New York, NY REPRESENTATION OF PARTIES Claimant Randy Osborn ("Osborn"), hereinafter referred to as "Claimant": Douglas R. Jennings, Esq., Carlile, Patchen, & Murphy, LLP., Columbus, OH. Respondent Prim Securities ("Prim Securities"), hereinafter referred to as "Respondent": Karl E. Ma

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION. INC. CASE: 02-00285 Eileen M. Collins, claimant vs. Charles Schwab & Co., Inc., Gregory M. Scanlon, Gavin U. Smith and Victor A. Kovachevich, respondents. ATTORNEYS: Claimant appeared pro se, Wilmette, IL. For Respondents appeared in-house counsel, Richard A. Karoly, Esq., San Francisco, CA. DATE FILED: January 16, 2002 CASE SUMMARY: Claimant alleged that respondents were negligent in their fail

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION. INC. CASE: 00-02413 Wall Street Access, Claimant vs. Jason S. Brown, Respondent. ATTORNEYS: Claimant, Wall Street Access, ("Claimant"), appeared through Denis P. Kelleher, Esq., of the firm of Kelleher, Leone & Schwartz, LLP, New York, NY. Respondent, Jason S. Brown, ("Respondent"), did not respond to the Statement of Claim. DATE FILED: June 7, 2000. CASE SUMMARY: Claimant alleged that responden

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 02-00284 Sue Ann Moore, claimant vs. Glen S. Hancock and WMA Securities, respondents. ATTORNEYS: Claimant appeared pro se, Austin, TX. For Respondent/cross-claim claimant, WMA Securities, Inc., appeared Kenton P. Campbell, Esq., of the firm Burns Anderson Jury & Brenner, LLP, Austin, TX. For Respondent/cross-claim respondent, Glen S. Hancock appeared A. Boone Almanza, Esq., of the firm Atki

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Lisa Prior, (Claimant) vs. The Abernathy Technology Research Institute, (Respondent) Case Number: 02-00280 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimant, Lisa Prior, hereinafter referred to as "Claimant": Bryan S. Dumesnil, Esq., Bracewell & Patterson, LLP, Houston, TX. Respondent, The Abernathy Technology Research Institute, hereinafter referred to as "Res

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Mntnlw 02-00279 Richard Iwaskow of thf Rrspo^forcfs Hf aiing Stev Philadelphia, PA Morgan Stanley DW Inc. Theodore R. Vaughan Steven M. Schelling OF Claimant, Richard Iwaskow ("Iwaskow"), hereinafter referred to as "Claimant" was represented by Douglas S. Knehr, Esq., Attorney at Law, Lawrenceville, NJ. Respondents, Morgan Stanley DW Inc. ("Morgan Stanley"), Theodore

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Claimants Dr. Richard deNiord and Ruth deNiord V. 02-00278 Minneapolis, Minnesota Respondents Merrill Lynch Pierce Fenner & Smith, Inc., Peter K. Hummel, and Thomas J. Halstenson REPRESENTATTON OF PARTIES Dr. Richard deNiord and Ruth deNiord ("Claimants") were represented by Ted S. Meikle, Esq., of Meikle Professional Association, Minneapolis, Minnesota. Merri