NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION, INC. CASE: 00-01643 Michael Healy, claimant vs. Sherwood Securities Corp., respondent. ATTORNEYS: For Claimant appeared Elizabeth I. Hook, Esq., of the firm Keenan, Powers & Andrews, P.C., New York, NY. For Respondent appeared Kerry M. Parker, Esq., of the firm Gibbons, Del Deo, Dolan, Griffinger & Vecchione, P.C., Newark, NJ. DATE FILED: April 19, 2000 CASE SUMMARY: Claimant alleged that re

Stipulated Award NASD In the Matter of the Arbitration Between: Names of the Claimants Case Number: 01-06266 Donald N. Lamoureux Donald N. Lamoureux IRA Name of the Respondent Hearing Site: Orlando, Florida Empire Financial Group, Inc. REPRESENTATION OF PARTIES For Donald N. Lamoureux and Donald N. Lamoureux IRA, collectively referred to as "Claimants": Neal J. Blaher, Esq., Law Offices of Neal J, Blaher, Orlando, Florida. For Empire Financi

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Bob Gill and Sarandeep Kaur Gill, Claimants v. Scottrade, Inc., Respondent Case Number: 01-06259 Hearing Site: San Francisco, California REPRESENTATION OF PARTIES For Claimant Bob Gill: James V. Weixel, Jr. Trevor & Weixel LLP Corte Madera, California For Claimant Sarandeep Kaur Gill: Sarandeep Kaur Gill San Jose, California For Respondent Scottrade, Inc: Sherri Strand,

Awarc NASD Dispute Resolution In the Matter of the Arbitration Between: Tod DuBois, Claimant v. Morgan Stanley DW Inc., Respondent Case Number: 01-06257 Hearing Site: San Francisco, California Nature of the Dispute: Customer vs. Member REPRESENTATION OF PARTIES For Claimant: Rosemary J. Shockman, Esq. Shockman Law Office Scottsdale, Arizona Cary S. Lapidus, Esq. Law Offices of Cary S. Lapidus San Francisco, California For Respondent

Award NAjSD Dispute Resolution In the Matter of the Arbitration Between: Michael White, (Claimant) vs. J,P. Turner & Company, L.L.C. and Christopher Sellare, (Respondents) Case Number: 01-06253 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimant, Michael White, hereinafter referred to as "Claimant": Nicholas Buono, Student Intern, John Jay Legal Services, Inc., White Plains, NY. Respondent, J.P. Turner & Company, L.L.C. ("Turner"): D

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION. INC. CASE: 01-06250 H&R Block Financial Advisors, Inc., claimant vs. Jerry Cecil, respondent. ATTORNEYS: For Claimant appeared in-house counsel Kurt M. Miller, Esq., Detroit, ML Respondent appeared pro se, Dallas, TX. DATE FILED: November 20, 2001 CASE SUMMARY: Claimant alleged that respondent failed to repay a debit balance in his account which resulted from a forced sell-out of shares of Apple

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Linda Cohen Wassong, individually and as Trustee Under Trust Agreement By and Between Leonard Cohen and Florence Cohen, Grantors, and Linda Cohen, Trustee, Trust For The Benefit of Carrie Ann Cohen, Dated March 16, 1995; Trust Agreement By and Between Leonard and Florence Cohen, Grantors, and Linda Cohen, Trustee, Trust For The Benefit of Shayna B. Cohen, Dated December 30, 1

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Investec Ernst & Company, (Claimant) vs. Franklin Commodities Co., Inc. and Mohammad Kazemi, (Respondents) Case Number: 01-06248 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimant, Investec Ernst & Company, hereinafter referred to as "Claimant": Edward L. Rose, Esq., Director of Litigation, Investec Ernst & Company, Woodbury, NY. Represented at the hearing by: A

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name nf thp P.lflimant Robert E. Krumroy Name of fhe i" 01-06243 Joseph R. DiGirolamo and J.B. Oxford & Company Hearing Sita- Raleigh, North Carolina KFPRF.SF.NTATTON OF PAKTTPS Claimant Robert E. Krumroy, hereinafter referred to as "Claimant", was represented by Mathew E. Bates, PA, Attorney at Law, Greensboro, North Carolina. Respondent Joseph R. DiGirolamo ("D

Award NASD In the Matter 01 the ArbitrationBetween: Name of the Claimant Case Number: 01-06242 Estate of Robert Banks Name of the Respondent Hearing Site: Boca Raton, Florida Merrill Lynch Pierce Fenner & Smith, Inc. REPRESENTATION OF PARTIES For Estate of Robert Danks ("Danks"), hereinafter referred to as "Claimant": Lonnie K. Martens, Esq., Kelley & Warren, P.A., West Palm Beach, Florida. For Merrill Lynch Pierce Fenner & Smith, Inc. ("MLPF&S"