Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 03-06112 John Robert Zalar Carolyne R. Zalar Carolyne Zalar and John Robert Zalar JTTEN Carolyne Rae Zalar IRA John R. Zalar-Nicholas Zalar Auto Supply, Inc. Name of the Respondent Hearing Site: Orlando, Florida Morgan Stanley DW, Inc. Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES For John Robert Zal

Award NASD Dispute Resolution In the Matter of the Arbitration Between: RLR Management, LP, Claimant v. Goldman, Sachs and Co., Donaldson, Lufkin & Jenrette Securities Corporation n/k/a Pershing LLC and James D. Garrity, Respondents Case Number: 03-06109 Hearing Site: Los Angeles, California Nature of the Dispute: Customer v. Members and Associated Person REPRESENTATION OF PARTIES For Claimant: For Respondent Goldman, Sachs and Co. Jeff Denn

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-06103 Laurence Pilgeram CUST, Claimant v. The Vanguard Group, Respondent. ATTORNEYS: Claimant, Laurence Pilgeram CUST, ("Claimant"), appeared pro se, Goleta, CA. Respondent, The Vanguard Group, ("Respondent"), appeared through its in-house counsel, Brian T. Donadio, Malvern, PA. NATURE OF DISPUTE: Customer v. Non-Member. DATE FILED: August 21, 2003. CASE SUMMARY: Claimant alleged tha

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-06102 Michael P. Goeben, Claimant v. Morgan Stanley DW Inc. f/k/a Dean Witter Reynolds Inc., Respondent. ATTORNEYS: Claimant, Michael P. Goeben, ("Claimant"), appeared pro se, Green Bay, WL Respondent, Morgan Stanley DW Inc. f/k/a Dean Witter Reynolds Inc., ("Respondent"), appeared through their in-house counsel, Judith M. Rosenberg, Esq., San Francisco, CA. NATURE OF DISPUTE: Customer v

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Lucy Balestri (Claimant) v. Merrill Lynch, Pierce, Fenner & Smith, Inc. and Kurt Grimmelmann (Respondents) Case Number: 03-06098 Hearing Site: New York, New York Nature of the Dispute: Customer v. Member and Associated Person. REPRESENTATION OF PARTIES Claimant Lucy Balestri ("Balestri'*) hereinafter referred to as "Claimant": John J. Blanchard, Esq., Montvale, NJ.

STIPULATED AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Names of Claimants/Counter-Respondent Gerald Ford and Marilyn Ford and Case Number: 01-01631 Hearing Site: Troy, Michigan Names of Respondents/Counter-Claimants Fahnestock & Co., Inc., First of Michigan Corporation and Mark A. Casebolt NATURE OF CASE Customers v. Member, Terminated Member and Associated Person and Member, Terminated Member and Associate

STIPULATED BIFURCATED AWARD NASD Dispute Resolution In the Matter of the Arbitration Between: Name of Claimants Robert A. Fabiano and Karen B. Fabiano, husband and wife and 03-06081 Phoenix, Arizona Name of Respondents Steven A. Rothstein and Jane Doe Rothstein, husband and wife, Robert H. Daskal and Jane Doe Daskal, husband and wife, William F. Groszkruger and Jane Doe Groszkruger, husband and wife, and Paula M LaFon and John Doe LaFon, hus

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Claimant William David Cain vs. 03-06078 Nashville, Tennessee Respondent USAllianz Securities, Inc. NATURE OF DISPUTE Associated Person vs. Member Firm REPRESENTATION OF PARTIES William David Cain ("Claimant") appeared prose. USAllianz Securities, Inc. ("Respondent") was represented by Catherine A. McEnroe, Esq. of Leonard, Street and Deinard, Minneapolis, Min

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Names of Claimants / Counter Respondents Jerjis J. Denno, MD, Shatha Denno and Fayka Dallo and Case Number: 03-06075 Hearing Site: Houston, Texas Names of Respondents / Counter Claimants / Third Party Claimants / Third Party Counter Respondents Sands Brothers & Co, Ltd., Steven Brett Sands and Martin Scott Sands and Name of Third Party Respondent / Third Party

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Hardin Family Charitable Trust No. 1, Hardin Family Charitable Trust No. 2, The Hardin Family Trust, The Hardin Family Income Trust, Mary Ellen Hardin, and Dennis Hardin, Claimants v. Charles Schwab & Co., Inc., The Charles Schwab Corporation, U.S. Trust, U.S. Trust Company, N. A., and Maureen F. Gallogly, Respondents U.S. Trust Company, N. A., Counter-Claimant v. Mary Ellen Hardin and