Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Robin Lockhart Names nf the f!ase Number- 03-08862 Morgan Stanley DW, Inc. Wachovia Securities, LLC Russell Thomas Gebhard Site- Charlotte, North Carolina Nature of the Dispute: Customer vs. Members and Associated Person. RRPRFSF.NTATTON OF PAKTTRS Claimant, Robin Lockhart, hereinafter collectively referred to as "Claimants", was represented

12/20/04 16:26 FAX 312 236 9239 OFFICE OF DISPUTE RES 11002/007 DEC * ? AWAHD NASD Dispute Resolution la the Matter of the Arbitration Between Claimant Wachovia Securities, LLC, as successor in interest to Prudential Equity Group, LLC, #lc/a Prudential Securities, Incorporated v. Respondents-Counterclaimants Edward Yalowitz and Sharon B. Zeidler v. Counterclaim Respondent Prudential Equity Group, LLC, #k/a Prudential Secu

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Claimant Bernard Andres v. 03-08848 Louisville, Kentucky Respondent PNC Brokerage Corporation n/k/a J.J.B. Milliard Lyons, Inc. NATURE OF DISPUTE Customer v. Member Firm REPRESENTATION OF PARTIES Bernard Andres ("Claimant") was represented by Keith L. Griffin, Esq., of Maddox Hargett & Caruso, P.C., Fishers, Indiana. PNC Brokerage Corporation n/k/a J.J.B. Mill

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Jim T. Hardwick and Names of Respondents Merrill Lynch Pierce Fenner & Smith, Inc., and Frank J. Mirabella Case Number: 03-08844 Hearing Site: Houston, Texas NATURE OF DISPUTE Customer v. Member Firm and Associated Person REPRESENTATION OF PARTIES Jim T. Hardwick ("Claimant") was represented by Leonard Meyer, Esq., Zimmerman, Axelrad, Meye

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Claimant Aramis E. Defort and Case Number: 03-08842 Respondents ING Financial and Hearing Site: Milwaukee, WI Timothy LeRoy TYPE QF CONTROVERSY Customer v. Member Firm and Associated Person REPRESENTATION OF PARTIES Claimant was represented by Emmanuel Mamlakis, Esq., located in Madison, Wisconsin. Respondents ING Financial and Timothy LeRoy were repre

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: M. Jafar Mogharrab, Claimant vs. Charles Schwab & Co., Inc., Respondent. Case Number: 00-01705 Hearing Site: Salt Lake City, Utah REPRESENTATION OF PARTIES Claimant, M. Jafar Mogharrab, hereinafter referred to as "Claimant": Randall R. Heiner, Esq., Salt Lake City, Utah Respondent, Charles Schwab & Co., Inc. ("Schwab"), hereinafter referred to as "Respondent": Curt H. Muel

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Gregory Sanford and Sharon Sanford (Claimants) v. Merrill Lynch, Pierce, Fenner & Smith, Inc. and Gregory Hartrura (Respondents) Case Number: 03-08841 Hearing Site: Cincinnati, Ohio Nature of the Dispute: Customers v. Member and Associated Person REPRESENTATION OF PARTIES Claimants Gregory Sanford ("G. Sanford") and Sharon Sanford ("S. Sanford") hereinafter collective

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Felice Braithwaite, an individual, and R. Kelly Braithwaite, an individual and as beneficiary of his Merrill Lynch IRA Rollover account, Claimants v. Merrill Lynch, Pierce, Fenner & Smith, Inc. and Charles S. Tyler, Respondents Case Number: 03-08836 Hearing Site: San Francisco, California Nature of the Dispute: Customers v. Member and Associated Person REPRESENTATION OF PARTIES

Stipulated Award NASD Dispute Resolution COPY In the Matter of the Arbitration Between: Miriam H. Denney Rev. Trust U/A DTD 5/28/92, Claimant v. Kennedy, Cabot & Co., TD Waterhouse Investor Services, Inc. and Howard Edward Saari, Respondents Case Number: 03-08835 Hearing Site: San Francisco, California Nature of the Dispute: Customer vs. Members and Associated Person REPRESENTATION OF PARTIES For Claimant: For Respondent Kennedy, Cabot & Co.

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Karen Grassle, Claimant v. Oppenheimer & Co. Inc., Herbert A. Reznikoff and David J. Fancy, Respondents Case Number: 03-08833 Hearing Site: San Francisco, California Nature of the Dispute: Customer vs. Member and Associated Persons REPRESENTATION OF PARTIES For Claimant: Timothy A. Canning, Esq. Law Offices of Timothy A. Canning Novato, California For Responde