Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Peter Masso (Claimant) vs. Commonwealth Financial Network (Respondent) Case Number: 05-06231 Hearing Site: New York, New York Nature of the Dispute: Customer vs. Member REPRESENTATION OF PARTIES Claimant Peter Masso hereinafter referred to as "Claimant": Robert A. Uhl, Esq., and Ryan K. Bakhtiari, Esq., Aidikoff, Uhl & Bakhtiari, Beverly Hills, CA. Respondent Commonwe

NASD DISPUTE RESOLUTION AWARD rtASD DISPUTE RESOLUTION CASE: 07-00349 Claudia Nakash, (Claimant) vs. AXA Advisors, LLC, (Respondent) ATTORNEYS: Claimant appeared pro se, Cedarhurst, NY. For Respondent appeared in-house counsel Eileen Stassa, Esq., New York, NY. NATURE OF DISPUTE: Customer vs. Member DATE FILED: February 1, 2007 CASE SUMMARY: Claimant alleged that Respondent misrepresented and omitted facts regarding surrender charges. Claimant m

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 06-05359 Citigroup Global Markets, Inc. f/k/a Smith Barney, Inc. (Claimant) vs. Michael H. Reynolds (Respondent) ATTORNEYS: For Claimant appeared W. Jerad Rissler, Esq., of the law firm of Kutak Rock LLP, Atlanta, GA. Respondent did not submit an Answer to the Statement of Claim. NATURE OF DISPUTE: Member v. Associated Person DATE FILED: December 26, 2006 CASE SUMMARY: Claimant alle

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 07-00195 Roland A. Smith TTE, Roland A. Smith Trust U/A dtd 09-11-2002 (Claimant) vs. Ron Joseph Epling (Respondent) ATTORNEYS: Claimant Roland A. Smith TTE, Roland A. Smith Trust U/A dtd 09-11-2002 appeared pro se, La Quinta, CA. For Respondent Ron Joseph Epling appeared James J. Fontanilla, Esq. San Francisco, CA. NATURE OF DISPUTE: Customer v. Associated Person DATE FILED: Januar

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between Names of Claimants George and Rhoda Spencer Case No, 99-03697 Names of Respondents Merrill Lynch, Pierce, Fenner & Smith, Inc. Barry Paul John Wyllys REPRESENTATION OF PARTIES For George and Rhoda Spencer ("Spencer"), hereinafter collectively referred to as "Claimants": Marc J. Ross, Esq. and Richard J, Babnick, Jr., Esq., Sichenzia, Ross and FriedmanLLP, New

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 06-05037 GunnAllen Financial, Inc. (Claimant) v. Shawn Arlauckas (Respondent) ATTORNEYS: For Claimant GunnAllen Financial, Inc., appeared Michael S. Colombo, StreetWide Asset Recovery Group, Inc., Lyndhurst, NJ. Respondent did not submit an Answer to the Statement of Claim. NATURE OF DISPUTE: Member v. Associated Person DATE FILED: November 21, 2006 CASE SUMMARY: Claimant alleged that R

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between: Name of Claimant Carol M. Lecuyer-Almgren vs. Case Number: 04-07646 Hearing Site: Chicago, Illinois Names of Respondents Citigroup Global Markets, Inc. f/k/a Salmon Smith Barney, Inc. and Evan George Chilgiris NATURE OF THE DISPUTE Customer vs. Member and Associated Person REPRESENTATION OF PARTIES Carol M. Lecuyer-Almgren ("Claimant" or "Almgren") was represente

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between: Name of Claimant Jon A. Umhoefer vs. Case Number: 06-01530 Hearing Site: Minneapolis, Minnesota Names of Respondents UBS Financial Services, Inc. and Peter E. Kenefick NATURE OF THE DISPUTE Customer vs. Member and Associated Person REPRESENTATION OF PARTIES Jon A. Umhoefer ("Claimant") was represented by Leny K. Wallen-Friedman, Esq., Wallen-Friedman & Floyd, PA,

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 06-04692 America Monier (Claimant) vs. Chase Investment Services Corp. (Respondent) ATTORNEYS: America Monier ("Claimant") appeared pro se Hammond, IN For Respondent Chase Investment Services Corp. ("Respondent") appeared Reid R. Broda, Esq., JP Morgan Chase & Co., Chicago, IL. NATURE OF DISPUTE: Associate Person v. Member DATE FILED: October 23, 2006 CASE SUMMARY: Claimant alleged wron

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between: Names of Claimants Grace Leash and Carol Troll vs. Case Number: 04-00826 Hearing Site: Pittsburgh, Pennsylvania Names of Respondents Merrill Lynch, Pierce, Fenner & Smith, Inc. and Joel A. Bender NATURE OF THE DISPUTE Customers vs. Member and Associated Person REPRESENTATION OF PARTIES Grace Leash ("Leash") and Carol Troll ("Troll"), hereinafter collectively refe