Award NASD Dispute Resolution In the Matter of the Arbitration Between: Joseph C Parisi (Claimant) v. CUNA Brokerage Services, Inc. and Joseph J. Careccia (Respondents) Case Number: 03-03849 Hearing Site: Albany, New York Nature of the Dispute: Customer v. Member and Associated Person. REPRESENTATION OF PARTIES Claimant Joseph C. Parisi ("Parisi") hereinafter referred to as "Claimant": Salvatore D. Ferlazzo, Esq., Girvin & Ferlazzo, P.C., Albany, NY

In the Matter of the Arbitration Between: Karen B. Miner and Karen B. Miner ERA (Claimants) v. Merrill Lynch, Pierce, Fenner & Smith, Inc. and Kathleen Newell (Respondents) Case Number: 03-03847 Hearing Site: Cleveland, Ohio Nature of the Dispute: Customers v. Member and Associated Person. REPRESENTATION OF PARTIES Claimants Karen B. Miner ("Miner") and Karen B. Miner IRA ("Miner IRA") hereinafter collectively referred to as "Claimants": James B. Davis, Esq

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Fred M, MacGregor and Joanne C. MacGregor, co-trustees of the Fred M. MacGregor Revocable Trust UA DTD 05/28/96 Names of the Respondents Prudential Securities, Inc. Sebastian Messina Case Number: 03-03834 Hearing Site: Boca Raton, Florida Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Gregory Eansor, Victoria Eansor, and The Eansor Living Trust dtd 2/17/00, Claimants v. Merrill Lynch, Pierce, Fenner & Smith Inc. and Kevin S. Calderon, Respondents Case Number: 03-03829 Hearing Site: Los Angeles, California Nature of the Dispute: Customers v. Member and Associated Person REPRESENTATION OF PARTIES For Claimants: For Respondents: Mitchell J. Albert, Esq.

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Gary R. Jamison as the beneficiary of the Gary R. Jamison Rollover IRA Account, (Claimant) v. A.G. Edwards & Sons, Inc. and Larry Anderson, (Respondents) Case Number: 01-01372 Hearing Site: Chicago, Illinois REPRESENTATION OF PARTIES Claimant Gary R. Jamison ("Jamison"): Dennis R. Villavicencio, Esq. located in Carlsbad, California. Respondent A.G. Edwards & Sons, Inc.

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Larry Lenhart and Kim Karloff, Claimants v. Merrill Lynch, Pierce, Fenner & Smith Inc. and Roy Arcadio Manriquez, Respondents Case Number: 03-03828 Hearing Site: San Francisco, California Nature of the Dispute: Customers v. Member and Associated Person REPRESENTATION OF PARTIES For Claimants: Mitchell S. Ostwald, Esq. The Law Offices of Mitchell S. Ostwald Sacramento, Califo

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Roberta J. Meyer, individually and in her capacity as Trustee of the Roberta J. Meyer Rev. Trust DTD 7/31/87, Claimants v. Merrill Lynch, Pierce, Fenner & Smith, Inc. and Kathleen A. Kraft, Respondents Case Number: 03-03827 Hearing Site: San Francisco, California Nature of the Dispute: Customers vs. Member and Associated Person REPRESENTATION OF PARTIES For Claimants: Mitchell S

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Susan L. Stickney v. Claimant v. Wells Fargo Investments, LLC and Kent J. Calhoon, Respondents Case Number: 03-03826 Hearing Site: Portland, Oregon Nature of Dispute: Customer v. Member and Associated Person REPRESENTATION OF PARTIES For Claimant: Steven M. Cyr, Esq. Legal Representation, LLC Portland, Oregon For Respondents: Tanya A. Durkee, Esq. Lane Powell Spears

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-03825 Penny and Donald Anderson, as Administrator of the Estate of Dennis L. Anderson, Claimant v. Charles Schwab & Co., Inc., Respondent. ATTORNEYS: For Claimants, Penny and Donald Anderson as Administrators of the Estate of Dennis L. Anderson, ("Claimants"), appeared Norman Macleod, San Francisco, CA. Respondent, Charles Schwab & Co., Inc., ("Respondent"), appeared through its in-house cou

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Donald J. Townsend, Claimant v. Merrill Lynch, Pierce, Fenner & Smith, Inc. and Christopher M. Rossi, Respondents Case Number: 03-03824 Hearing Site: Honolulu, Hawaii Nature of the Dispute: Customer vs. Member and Associated Person REPRESENTATION OF PARTIES For Claimant: Donald J. Townsend In Pro Per Honolulu, Hawaii For Respondents: Jeffrey S. Portnoy, Esq. Theodore