AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Names of Claimants Eric E. Coufal and Estela Diaz G. de Coufal and Names of Respondents Merrill Lynch Pierce Fenner & Smith, Inc., and Ricardo Abuabara Case Number. 03-07362 Hearing Site: Houston, Texas NATURE OF DISPUTE Customers v. Member Firm and Associated Person REPRESENTATION OF PARTIES Eric E. Coufal and Estela Diaz G. de Coufal ("Claimants") were repre

AWARD NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between MichaelJ. Pizzo and . 00-01533 Southfield, Michigan Baxter, Banks, & Smith, Ltd. Francis M. McDermott a/k/a F. Martin McDermott Emanuei G, Kavekos Kim I. Halliburton Ted Joseph Bryan First Securities USA, inc., and Kemper & Thompson REPRESENTATION OF PARTIES MichaelJ. Pizzo ("Claimant") was represented by Joseph H.Spiegel, Esq., Law Offices of Joseph

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Bruce Youngman (Claimant) v. Morgan Stanley Dean Witter, Inc. (Respondent) Case Number: 03-07356 Hearing Site: Newark, New Jersey Nature of the Dispute: Associated Person v. Member REPRESENTATION OF PARTIES Claimant Bruce Youngman hereinafter referred to as "Claimant": Kenneth Elan, Esq., New York, NY. Previously represented by Richard D. Shapiro, Esq., Hellring, Lindemaru Goldstein

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Patricia Venner (Claimant) v. UBS Financial Services, Inc. and Christopher Puscian (Respondents) Case Number: 03-07353 Hearing Site: New York, New York Nature of the Dispute: Customer v. Member and Associated Person. REPRESENTATION OF PARTIES Claimant Patricia Venner ("Venner") hereinafter referred to as "Claimant" appeared pro se. Respondents UBS Financial Services, Inc. ("

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Clayton, Lowell & Conger, Inc. and Ridgeway & Conger, Inc. (Claimants) v. Graham M. Ritchie, Jr., Glenn S. Ritchie, Kyle E. Endemann, Leigh D. Baldwin, Leigh Baldwin & Co., LLC, and KGG Group, LLC (Respondents) Case Number: 03-07350 Hearing Site: Albany, New York Nature of the Dispute: Members v. Member, Non-Member, and Associated Persons. REPRESENTATION OF PARTIES Claimant Clay

N.A.S.D. AWARD NATIONAL ASSOCIATION QF SECURITIES DEALERS. INC. In the matter of the Arbitration Between Name of Claimant(s) Lynn Canterbury Charles Canterbury NASD Arbitration No. 95-02719 Name of Respondent(s) OLDE Discounr Corporation Grant: Knox REPRESEMTATIQW For Claimants: Charles and Lynn Canterbury, Lakeside, California For Respondents: David T. Doyle, Esq., OLDE Discount Corporation, Det:roit, Michigan CASE IliTFORMftTION

, Vfc TEB. 10. 2005 v 3:U3M PAYNE & JONES N * SD NO. 8444 P. 2/53/oop STIPULATED AWARD NASD DISPUTE RESOLUTION VERNON M. SCHMITT and iOIANNE R. 5CHMITT, Claimants, v- NASD No. 03-07347 Kansas Crty, Missouri AMERICAN EXPRESS FINANCIAL ADVISORS, INC. and STEVEN EARL WILSON, Respondents, NATURE OF THE DISPUTE Customers v. Merrtber Firm and Associated Person REPRESENTATION OP PARTIES Claimants Vemo

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Cindy S. Crocker and Name of Respondent Bane of America Investment Services, Inc. Case Number: 03-07346 Hearing Site: Houston, Texas NATURE OF DISPUTE Customer v. Member Firm REPRESENTATION OF PARTIES Cindy S. Crocker ("Claimant") was represented by Joel H, Pullen, Esq:, Pulman, Breshanan & Pullen, LLP, Houston, Texas, until July 6, 2005. On o

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Michael D. MarTei and Melinda W. Maffei, as Trustees of the Michael D. MafTei Rev Trust U/A DTD 05/26/1989, Claimant v. Merrill Lynch, Pierce, Fenner & Smith Incorporated, Paul W. Ziegler, and Joyce A. Kozlik, Respondents Case Number: 03-07342 Hearing Site: Los Angeles, California Nature of the Dispute: Customer v. Member and Associated Persons REPRESENTATION OF PARTIES For Clai

NATIONAL ASSOCIATION OF SECURITIES DEALERS. INC. In the Matter of the Arbitration Between ) ) Ronald R. and Ilene Galbraith ) Claimants ) and ) A W A R 0 ) 87-2042 A. G. Edwards & Sons, Inc. ) naniel Holica ) Respondents ) : ) On December 20, 1988, March 16, 1989 and April 20, 1989. the undersigned arbitrators heard the controversy between the parties as set forth in submissions to arbitration signed on