Award NASD DISPUTE RESOLUTION In the Matter of the Arbitration Between: Name of Claimant J.T. White Names of Respondents Merrill Lynch, Pierce, Fenner & Smith, Inc. Thomas L. Ellis Marshall Emerson Case Number: 02-01088 Hearing Site: New Orleans, LA REPRESENTATION OF PARTIES J.T. White, hereinafter referred to as "Claimant", appeared pro se. For Respondents Merrill Lynch, Pierce, Fenner & Smith, Inc. ("MLPFS"), Thomas L. Ellis ("Elli

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Jon Stillwell and Geniene Stillwill, individually and as trustees of The Stillwell Family Trust, Claimants v. Citigroup Global Markets Inc. and Dennis M. Schwary, Respondents Case Number: 02-01059 Hearing Site: Los Angeles, California Nature of the Dispute: Customers v. Member and Associated Person REPRESENTATION OF PARTIES For Claimants: Geniene B. Stillwell, Esq. La

Award NASD Regulation, Inc. In the Matter of the Arbitration Between: David DeWolf, Claimant v. Morgan Stanley Dean Witter and Steve Arcos, Respondents. Case Number: 99-03033 Hearing Site: Los Angeles, California REPRESENTATION OF PARTIES For Claimant: David DeWolf ProSe Hermosa Beach, California For Respondents: Ronald E. Wood, Esq. Dean Witter Reynolds, Inc. San Francisco, California CASE INFORMATION Statement of Claim filed: June

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant: Case Number: 02-01034 Ruth Riegert Name of the Respondents: Hearing Site: Albany, NY Bruce Timm Kelly Anderson HSBC Brokerage (USA) Inc. Peter Infante REPRESENTATION OF PARTIES Claimant Ruth Riegert ("Claimant")'- Rebecca M. Vaccariello, Esq., Dreyer Boyajian LLP, Albany, NY. Respondents, Bruce Timm ("Timm"), Kelly Anderson ("Anderson"), HSB

Award NASD In the Matter of the Arbitration Between: Name of the Claimant Case Number: 02-00801 Nadyne P. Mines Names of the Respondents Hearing Site: Tampa, Florida Bane of America Investment Services, Inc. John Zangari REPRESENTATION OF PARTIES For Nadyne P. Hines, hereinafter referred to as "Claimant": Scott C. Ilgenfritz, Esq., Johnson, Blakely, Pope, Bokor, Ruppel & Burns, P.A., Tampa, Florida. For Bane of America Investment Services, I

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Jennifer L. Just IRA, Claimant v. The Retirement Group, Frank A. Cuenca, Timothy C. Sullivan, FSC Securities Corporation, a subsidiary of Financial Service Corporation, Financial Service Corporation, Pershing Division of Donaldson, Lufkin & Jenrette Securities Corporation, aka Donaldson, Lufkin & Jenrette Securities Corporation, Respondents Case Number: 02-00686 Hearing Site

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Henry Bookspan, Trustee of the G.S.T. Exempt Trust B and the G.S.T. Exempt Trust C of the Henry and Sophie Bookspan Family Trust, Dated 01/12/98, Claimant v. Morgan Stanley DW Inc., Sinan E. Battah, and James Scott Robinson, Respondents Case Number: 02-00668 Hearing Site: San Diego, California REPRESENTATION OF PARTIES For Claimant: Erwin J. Shustak, Esq. Shustak Jalil & Heller

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Rodney M. Kinsey, Trustee Of Rodney M. Kinsey, M/P/P and Donna P. Kinsey (Claimants) vs. Securities America, Inc. and Joseph E. Erwin (Respondents) Case Number: 02-00636 Hearing Site: Columbus, Ohio REPRESENTATION OF PARTIES Claimants, Rodney M. Kinsey Trustee of Rodney M. Kinsey, M/P/P (R. Kinsey") and Donna P. Kinsey ("D. Kinsey")* hereinafter collectively referred to as "Claimant

STIPULATED AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Edwin Garrison Names of Respondents Case No. 02-00576 Hearing Site: Omaha, Nebraska Merrill Lynch Fenner & Smith Inc. Thomas J. Clark Grant G. Clark The Clark Group REPRESENTATION OF PARTIES For Claimant Edwin Garrison ("Claimant"): Thomas S. Reavely, Esq., Whitfield & Eddy, P.L.C., Des Moines, Iowa. For Respondents Clark Group,

Award NASD In the Matter of the Arbitration Between: Suzanne J. Englemann, Claimant v. A.G. Edwards & Sons, Inc., Larry Bernstein, and Keith Epstein, Respondents Case Number: 02-00225 Hearing Site: Boca Raton, Florida REPRESENTATION OF PARTIES For Suzanne J. Englemann, hereinafter referred to as "Claimant": Charles L. Pickett, Jr., Esq., Boose Casey Ciklin Lubitz Martens McBane & O'Connell, West Palm Beach, FL. For A.G. Edwards & Sons, Inc. ("AG"),