Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Mufid M. Khoury and Sally Redmond, Claimants v. Merrill Lynch, Pierce, Fenner & Smith Inc. and Gustavo A. Amaral, Respondents Case Number: 03-03823 Hearing Site: Las Vegas, Nevada Nature of the Dispute: Customers v. Member and Associated Person REPRESENTATION OF PARTIES For Claimants: David Liebrader, Esq. Law Offices of David Liebrader, APC Las Vegas, Nevada

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Richard J. Sgariato, Robert A. Sgarlato, Gina M. Sgarlato, and Linda Bruno (Claimants) v. RGR Financial Corp. and Ronald Paul Rafaloff (Respondents) Case Number: 03-03815 Hearing Site: New York, New York Nature of the Dispute: Customers vs. Member and Associated Person. REPRESENTATION OF PARTIES Claimants Richard J. Sgarlato ("R. J. Sgarlato"), Robert A. Sgarlato ("R. A. Sgarlato"),

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Charlie McGuire (Claimant) vs. Salomon Smith Barney, Janney Montgomery Scott, LLC, and Charles Peter Croonquist, (Respondents). Case Number: 03-03814 Hearing Site: New York, N.Y. Nature of the Dispute: Customer v. Members and Associated Person REPRESENTATION OF PARTIES Claimant, Charlie McGuire, hereinafter referred to as "Claimant": James Seigel, Esq., New York, NY.

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: The Estate of Joseph Escapa by Executrix Effie Escapa and Effie Escapa (Claimants) v. Washington Square Securities, Inc. and Kalyan George Raman (Respondents) Case Number: 03-03812 Hearing Site: New York, New York Nature of the Dispute: Customers v. Member and Associated Person. REPRESENTATION OF PARTIES Claimants The Estate of Joseph Escapa by Executrix Effie Escapa ("Th

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Ronald M. Lipson, Trustee Ronald M. Lipson Profit Sharing Plan; Ronald M Lipson and Rochelle Lipson (Claimants) vs. Owen Bruce Rosenblum and First Union Securities, Inc. n/k/a/ Wachovia Securities, Inc. (Respondents) Case Number: 03-03804 Hearing Site: Cleveland, Ohio. Nature of the Dispute: Customers vs. Associated Person and Member. REPRESENTATION OF PARTIES Claiman

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name nf the Claimant Case Number 01-01364 Wachovia Securities, Inc. Name nf the Respondent Hearing Site* Richmond, Virginia Thomas E. Kenney and James H. Godfrey RF.PRF.SFNTATTON OF PARTIFS Claimant Wachovia Securities, Inc., hereinafter referred to as "Claimant", was represented by William C. Mayberry, Esq., Helms Mullis & Wicker, Charlotte, North Carolina. Respondent T

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names of the Claimants Case Number: 03-03803 Philip C. Kobetz, Appearing in his capacity As Trustee for the Elizabeth Camille Shepherd Trust and The John Edward Shepherd Trust and Dr. Clifton W. Shepherd Individually, and as owner of the Clifton W. Shepherd IRA Plan Names of the Respondents Hearing Site: New Orleans, Louisiana Raymond James Financial Services,

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 03-03801 Lawrence Staloff Names of the Respondents Hearing Site: Boca Raton, Florida Advest, Inc. Malcolm Berko Roy Akers Nature of the Dispute: Customer vs. Member and Associated Person. For Lawrence Staloff, hereinafter referred to as "Claimant": Randall W. Henley, Esq., Randall W. Henley, P.A., West Palm Beach, Florida.

NASD Dispute Resolution InJheMatter of^the Arbitration Between: _ Name of the Claimant Case Number: 03-03797 Carol Cohen Names of the Respondents Hearing Site: Atlanta, Georgia A.G. Edwards & Sons, Inc. Michael Sean Cain Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES For Carol Cohen, hereinafter referred to as "Claimant": Robert H. Putnam, Jr., Esq., Atlanta, Georgia. For Respondent A.G. Edwards &

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name nf tfy* Plain^t Pagp Numhpr- 03-03796 Alice Foster Hf firing SitF' Dallas, Texas Bane One Securities Corp.; Ellarea Vera Poeck; and, Bane of America Investment Services, Inc. Name of Third-P^ity Ricky Joe Henager Public Customer v. Member Firms and Associated Person v. Public Customer Claimant Alice Foster, hereinafter referred to as "Foster": Richard A. Lewins,