Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 03-04535 Frances Jean Bush Names of the Respondents Hearing Site: Atlanta, Georgia Unified Financial Securities, Inc. Waterstone Financial Group, Inc., formerly known as Long Grove Trading Company Michael Urbik Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For Frances Jean

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 03-04529 Kay Lee Kay Lee IRA Names of the Respondents Hearing Site: Atlanta, Georgia Morgan Stanley DW Inc. Paula Buchanan Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATiON OF PARTIES For Kay Lee and Kay Lee IRA, hereinafter referred to as "Claimants": James G. Killough, Esq., Atlanta, Geor

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Paul I. Palant, as Trustee of the Paul I. Palant Revocable Trust, Paul I. Palant IRA, Jared J. Palant and Paul I. Palant, JTTEN, Claimants v. Morgan Stanley DW Inc., A.G. Edwards & Sons, Inc., and Sandra Gage Sempkowski, Respondents Case Number: 03-04528 Hearing Site: Las Vegas, Nevada Nature of the Dispute: Customers v. Members and Associated Person REPRESENTATION OF PARTIES

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Lawrence M. Field, Claimant vs. Citigroup Global Markets, Inc. (f/k/a Salomon Smith Barney, Inc.), Paul F. Curtis and Mark T. Curtis, Respondents Case Number: 03-04527 ' Hearing Site: San Francisco, California Nature of the Dispute: Customer vs. Member and Associated Perso'ns i REPRESENTATION OF PARTIES For Claimant: Andrew H. Wilson, Esq. Wilson Campilongo LLP

Award NASD Dispute Resolution In the Matter o Elias Abouharb Hill, Jr., the Arbitration Between: md Nazira Abouharb, Claimants v. Morgan Stanley DW Inc. and James Clinton Respondents Case Number: ( 3-04523 Hearing Site: Los Angeles, California For Claimants: For Responden Statement of C Claimants' Join Joint Statement Respondent Me Respondent Jan ature of the Dispute: Customers v. Member and Associated Person REPR

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number- 03-04512 Robert and Patricia Metzger Name nf the RpsprmHpnts Hearing Site* Philadelphia, PA H&R Block Financial Advisors, Inc. Francis T. Campbell, Jr. Nature of the Dispute: Customers vs. Member and Associated Person REPRESENTATION Off PARTIES Claimants, Robert and Patricia Metzger, hereinafter collectively referred to as "Clai

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 03-04506 Jay P. Jaikishen, MD Names of the Respondents Hearing Site: New Orleans, Louisiana UBS PaineWebber, Inc. A.G. Edwards & Sons, Inc. Glenn Seymour Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For Jay P. Jaikishen, MD, hereinafter referred to as ''Claimant": Anupam Rajvanshi

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Peter J. Andersen, Claimant v. Morgan Stanley Dean Witter (n.k,a. Morgan Stanley DW, Inc.), Bradley J. Saunders, and Dante M. Panella, Respondents Case Number: 01-01468 Hearing Site: San Francisco, California Nature of the Dispute: Customer v. Member and Associated Persons REPRESENTATION OF PARTIES For Claimant: James Jay Seltzer, Esq. Law Offices of James Jay Seltzer

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Marvin Galler, Roberta Galler, Marvin Galler, as trustee of the Amherst Cardiology & Internal Medicine Associates Money Purchase Pension Plan, and Marvin Galler, as trustee of the Amherst Cardiology & Internal Medicine Associates Profit Sharing Plan (Claimants) v. Lehman Brothers, Inc., Steven Mitchell, Neil Mitchell, Mark Stevenson, and Gil Sacher (Respondents) Case Number

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-04502 American Express Financial Advisors, Inc., Claimant v. Marwan Mahmoud Salih, Respondent. ATTORNEYS: Claimant, American Express Financial Advisors, Inc., ("Claimant"), appeared through its Loss Prevention/Collection Specialist, Brad Westerberg, Minneapolis, MN. Respondent, Marwan Mahmoud Salih, ("Respondent"), did not submit an answer in this case. NATURE OF DISPUTE: Member v. Customer