Award NASD DISPUTE RESOLUTION In the Matter of the Arbitration Between: Name of Claimant Case Number: 02-05482 B.M. Smith Names of Respondents Hearing Site: Tampa, Florida American Investment Services, Inc. Tom Kyro individually and as agent for American Investment Services, Inc. REPRESENTATION OF PARTIES For B.M. Smith, hereinafter referred to as "Claimant": J. Benton Stewart, n, Esq., The Stewart Law Group, P.L., Tampa, FL. Respondents

NASD" NASD Regulation, Inc. nB*»-i A-rm>. i Office or Dispute Resolution REGULATION 125 Broad Street * 36th Flow * New York. NY 10004-2193 * 212-858-4400 * Fax 212-858-4389 An NASD Company Satellite Office at 1735 K Street * 4th Floor " NW 'Washington, DC 20005-1606 ' 202-728-8958 * Fax 202-728-6952 N.A.S.D. REGULATION AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS REGULATION, INC. CASE: 99-03034 Dianna J. Bein, claimant vs. E*Trade Securities, In

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Raymond L. Dirks (Claimant) v. Barry W. Blank (Respondent) Case Number: 02-05477 Hearing Site: New York, New York Nature of the Dispute: Associated Person vs. Associated Person REPRESENTATION OF PARTIES Claimant, Raymond L. Dirks, hereinafter referred to as "Claimant": A. Joseph Tandet, Esq., New York, NY. Respondent, Barry W. Blank, hereinafter referred to as "Respondent": Barr

STIPULATED AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration between Michael and Rosemary Casseta v. Prudential Securities Incorporated and David Jainchill, NASD Arbitration No. 02-05462 REPRESENTATION OF PARTIES For Claimants, Michael Cassetta and Rosemary Cassetta: Howard Silverman, BrokerArb, Bridgewater, CT For Respondents, Prudential Equity Group, Inc. (formerly known as Prudential Securities, Inc.) ("PSI"), and

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Sanjay Kohli and Rashmi Kohli, Claimants v. Goldman, Sachs and Company and Hoyt Gier, Respondents Case Number: 02-05367 Hearing Site: Seattle, Washington Nature of Dispute: Customers v. Member Firm and Associated Person REPRESENTATION OF PARTIES For Claimants: Jacob H. Zamansky, Esq. Zamansky & Associates, LLC New York, New York For Respondents: Michael J. Cof

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Kenneth Haydon Cameron, individually and on behalf of the Kenneth Haydon Cameron IRA, the Kenneth Haydon Cameron SEP IRA and the Kenneth Haydon Cameron Rollover IRA, and Joanne Cameron Names of the Respondents K.W. Brown Investments and Kenneth Brown Case Number: 02-04604 Hearing Site: Boca Raton, Florida Nature of the Dispute: Cust

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Names of Claimants Walter Gibala, Teresa A. Gibala, and Eula Fay Weiss and Names of Respondents Sigma Financial Corp. Key Concerns, Inc., and Sue Waterhouse Case Number: 02-04281 Hearing Site: Southfield, Michigan NATURE OF DISPUTE Customer v. Member, Non-Member and Associated Person REPRESENTATION OF PARTIES Walter Gibala, Teresa A. Gibala, and Eula F

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Namp. nf the. Claimant r.agp. Ntimhp.r 02-1282 Scott W.Crispin pf thf Rp< ;pondent Tfeflrirg fljff • Charlotte, NC Merrill Lynch, Pierce, Fenner & Smith, Inc. RFPRF.SF.NT A TTfl]Vf OF PARTIES Claimant, Scott Crispin ("Crispin"), hereinafter referred to as "Claimant", was represented by John R. Buric, Esq. and Preston O. Odom, m, Esq., James, McElroy & Diehl, P.A., Charlotte,

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Kent D. Koerper vs. H&R Block Financial Advisors, Inc. fka OLDE Discount Corporation and Philip Cox Case Number: 02-01238 Hearing Site: Atlanta, Georgia REPRESENTATION OF PARTIES For Kent D. Koerper, hereinafter referred to as "Claimant:" Burleigh Singleton, Esq., Kilpatrick Stockton LLP, Atlanta, Georgia. For H&R Block Financial Advisors, Inc. formerly known as OLDE

Award NASD In the Matter of the Arbitration Between: Name of the Claimant Case Number: 02-01089 Mark P. Podber Names of the Respondents Hearing Site: Atlanta, Georgia Interstate Johnson Lane/ Wachovia, Inc. Mark Silva REPRESENTATION OF PARTIES For Mark P. Podber, hereinafter referred to as "Claimant": Nick A. Dodys, Esq., Crowley, Appel, Starkey & Holbrook, LLC, Atlanta, Georgia. For Interstate Johnson Lane/Wachovia, Inc. ("Wachovia") an