Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Nicholas and Rosemarie Lanera (Claimants) v. Citigroup Global Markets, Inc. file/a Salomon Smith Barney, Inc. and Terrance W. Prosser (Respondents) Case Number: 03-07789 Hearing Site: New York, New York Nature of the Dispute: Customers v. Member and Associated Person. REPRESENTATION OF PARTIES Nicholas and Rosemarie Lanera hereinafter collectively referred to as ("Claiman

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: William G. Irvine and William G. Irvine SEP IRA, Claimants v. Richard Silverstein and A.G. Edward & Sons, Inc., Respondents Case Number: 03-07550 Hearing Site: San Francisco, California Nature of the Dispute: Customers v. Member and Associated Person REPRESENTATION OF PARTIES For Claimants: James Jay Seltzer, Esq. Law Offices of James Jay Seltzer Emeryville, Calif

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Tower Hill Securities, Inc., (Claimant) vs. Yoav Bitter, (Respondent) Case Number: 99-02784 Hearing Site: New York, New York REPRESENTATION OF PARTIES Claimant Tower Hill Securities, Inc., hereinafter referred to as "Claimant": Michael D. Schissel, Esq., Arnold & Porter, New York, NY. Respondent Yoav Bitter, hereinafter referred to as "Respondent": Herbert Monte Levy, Esq.,

Corrected Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Michael T. Giesler Lynda D. Giesler Name of the Respondent Morgan Stanley f/k/a Morgan Stanley DW, Inc. Case Number: 03-06593 Hearing Site: Boca Raton, Florida Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES For Michael T. Giesler, and Lynda D. Giesler, hereinafter collectively referred to as "Claimants": Wayne H

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 03-05545 William Gould Gould Concrete Construction, Inc. Names of the Respondents Hearing Site: Tampa, Florida Merrill Lynch, Pierce, Fenner & Smith, Inc. Rameshwar Ramcharran Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For William Gould ("Gould") and Gould Concrete Constructio

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Michael D. Welsh v. McDonald Investments, Inc., Richard Lowrie and Ralph String Case Number: 03-05527 Hearing Site: Cleveland, Ohio Nature of the Dispute: Customer vs. Member and Associated Person REPRESENTATION OF PARTIES Claimant, Michael D. Welsh ("Welsh") hereinafter referred to as "Claimant": Edward F. Siegel, Esq., Law Offices of Edward F. Siegel, Cleveland, OH.

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-00804 Morgan Stanley DW, Inc., Claimant v. Jack Patrick Kovic, Respondent. ATTORNEYS: For Claimant, Morgan Stanley DW, Inc., ("Claimant"), appeared John R. St. John, of the firm St. John, Wallace, Brennan, & Folan LLP, Torrance, CA. For Respondent, Jack Patrick Kovic, ("Respondent"), appeared Jeffrey K. Compton, Esq., of the firm Markun, Zusman & Compton, LLP, Los Angeles, CA. NATURE OF

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name nf the Claimants Burgess A. Brooks, Individually and As Trustee of the Burgess A. Brooks Revocable Trust U/A/O 11/04/99, and Burgess A. Brooks, Inc. Case Number: 02-04578 Name nf thp Respondents Citigroup Global Markets, Inc. f/k/a Salomon Smith Barney, Inc. and Robert A. Rosenthal Hearing vSite: St. Louis, Missouri NATTTKF OF DTSPTTTF Customer vs. Membe

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 02-04329 Dallen W. Peterson Glennis M. Peterson Peterson Family Limited Partnership Glendal, Inc. Names of the Respondents Hearing Site: Tampa, FL Terrel Beckwith Principal Financial Securities, Lie. Everen Securities, Inc. n/k/a First Union Securities, Inc. Nature of the Dispute: Customer vs. Member and Associated Person. REPR

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Bruce Andrew Merino and Marielena Merino, Claimants v. Hotovec, Pomeranz & Co., LLC, Steven D. Hotovec, Jeffrey J. Pomeranz, Louis J. Bacher, Jr., and John M. Vanderwal, Respondents Case Number: 02-03897 Hearing Site: Las Vegas, Nevada Nature of the Dispute: Customers vs. Member and Associated Persons REPRESENTATION OF PARTIES For Claimants: For Respondents Hotovec,