Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 03-07107 Merrill Lynch, Pierce, Fenner & Smith, Inc. Name of the Respondent Hearing Site: Tampa, Florida Michael Elliott Nature of the Dispute: Member vs. Associated Person. REPRESENTATION OF PARTIES For Merrill Lynch, Pierce, Fenner & Smith, Inc. ("Merrill"), hereinafter referred to as "Claimant": Andrew J. Shapren, Esq. and Timothy E. Game

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Names of Claimants Forest A. and Julie G. Staggs and Case Number. 03-07102 Hearing Site: Oklahoma City, Oklahoma Names of Respondents Morgan Stanley DW, Inc., Bruce William Kraft, Barbara Jean Cannon, and David Coleman Mercer NATURE OF DISPUTE Customers v. Member and Associated Person REPRESENTATION OF PARTIES Forest A. and Julie G. Staggs ("Staggs") or ("

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-07094 Marc O. Janichen, Claimant v. Ameritrade, Inc. n/k/a J.P. Securities, Inc., Respondent. ATTORNEYS: Claimant, Marc O. Janichen, ("Claimant"), appeared pro se, Houston, TX. Respondent, Ameritrade, Inc. n/k/a J.P. Securities, Inc., ("Respondent"), appeared through their in-house counsel James J. Vihstadt, Omaha, NE. NATURE OF DISPUTE: Customer v. Member DATE FILED: September 30, 2003

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-07091 Vivian K. Fancher, Claimant v. Merrill Lynch Pierce Fenner & Smith, Inc., Respondent. ATTORNEYS: For Claimant, Vivian K. Fancher, ("Claimant"), appeared Wm. Jemison Mims, Jr., Esq., of the firm Levin, Papantonio, Thomas, Mitchell, Echsner, & Proctor, P.A., Pensacola, FL. For Respondent, Merrill Lynch Pierce Fenner & Smith, Inc., ("Respondent"), appeared A. Inge Selden, III, Esq., of th

AWARD NASD Dispute Resolution In the matter of the Arbitration Between: Kenneth Schonholtz, Claimant Arbitration Ntoiber 03-07089 and Simplified Arbitration Merrill Lynch Pierce Fenner & Smith, Inc, Respondent Representation of Parties For Claimant: Wm. Jemison Mims, Jr., of the firm of Levin, Papantonio, Thomas, Mitchell, Echsner & Proctor, P,A,, Pensacola, FL For Respondent: R. Allen Kilgore, Jr., and A. Inge Seiden, HI, of the firm of Maynard, Co

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Todd Morgan (Claimant) v. Merrill Lynch, Pierce, Fenner & Smith, Inc. and Harvey Bell (Respondents) Case Number- 03-07086 Hearing Site- New York, New York Nature of the Dispute: Customer v. Member and Associated Person. RFPRFSFNTATTON OFPARTTFS Todd Morgan ("Morgan") hereinafter referred to as "Claimant": Richard D. De Vita, Esq., De Vita & Associates, Hoboken, NJ.

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Howard and Sandra Schneider, Howard Schneider, and Sandra Schneider (Claimants) v. Citigroup Global Markets, Inc. and Jeffrey Winik (Respondents) and Castroviejo-Schneider Eye Surgery Foundation (Claimant) v. Citigroup Global Markets, Inc. and Jeffrey Winik (Respondents) Case Number: 03-07085 (consolidated w/03-08442) Hearing Site: New York, New York Nature of the Dispute: (03-0

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Gertrude Goldstein, Claimant v. Advest, Inc., Steven L. Cohen, and Joseph Feldman. Respondents Advest, Inc. and Steven L. Cohen, Third-Party Claimants v. Joseph Feldman and the Estate of Arthur FeEdman, Third-Party Respondents Case Number: 00-01518 Hearing Site: San Diego, California REPRESENTATION OF PARTIES For Claimant: For Respondents/Third-Party Claimants

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-07084 Joseph L. Lippe & Claire I. Lippe TTEES FBO The Lippe Family Trust, Claimants v. Morgan Stanley DW Inc. f/k/a Dean Witter Reynolds Inc. and Lee Chabala, Respondents. ATTORNEYS: Claimants, Joseph L. Lippe & Claire I. Lippe TTEES FBO The Lippe Family Trust, ("Claimants"), appeared pro se, Sun City West, AZ. For Respondents, Morgan Stanley DW Inc. f/k/a Dean Witter Reynolds Inc. and Lee C

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name, nf the. Claimant Case. Number 03-07078 E*Trade Securities, LLC Name of the Rp.spondents Hearing Site: Albuquerque, New Mexico David N. Getz NAT1TRT? Member Firm vs. Associated Person ttFPRFSFTVTATTON OF PAttTTFS John Bersin, Esq.of ETrade Securities, LLC, located in Rancho Cordova, California represented the Claimant, E*Trade Securities, LLC ("E*Trade"), hereinafte