NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-03288 UBS Financial Services, Inc. f/k/a UBS PaineWebber, Inc., Claimant v. Lisa Ruffin, Respondent. ATTORNEYS: For Claimant, UBS Financial Services, Inc. f/k/a UBS PaineWebber, Inc., ("Claimant"), appeared Romaine L. Gardner, Esq., Staten Island, NY. Respondent, Lisa Ruffin, ("Respondent"), appeared pro se, Sherman Oaks, CA. NATURE OF DISPUTE: Member v. Customer DATE FILED: May 5, 2003

Award NASD Dispute Resolution In the Matter of the Arbitration Between: p nf fhff riaimaptf? C.pze. Niifflfrflr 03-03285 Pat and Joan Williamson fi fl f trig Resp"Ti f 1 R n^i i Hiring Site* Dallas, Texas UBS Financial Services Inc.; Edward M. Kerschner; and, Allen J. Dogger PFPttFSmVTAT]rm>J 017 Claimants Pat and Joan Williamson, hereinafter collectively referred to as "Claimants": John W. Surgent, of Sterlin

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Names nf the Thomas J. and Bonnie Bates Names nf the New England Securities Corp. George Edward Payne Donald Wayne Anderson Richard Harold RubenofF se Number 03-03284 Hearing Site- Richmond, Virginia Nature of the Dispute: Customers vs. Member and Associated Persons. RF.PRKSFNTATTON OF PARTTFS Claimants Thomas J. and Bonnie Bates, hereinafter collectively ref

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant William J. Cody Names of the Respondents Commonwealth Financial Network Nexus Financial Network, LLC Charles J. Schilleci Case Number 03-03283 Hearing Site- Charlotte, North Carolina Nature of the Dispute: Customer vs. Member, Non-Member and Associated Person. RFPRF.SFNTATTON OF PARTTFS Claimant, William J. Cody, hereinafter referr

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Mark J. Zebrowitz and Names of Respondents Morgan Stanley DW, Inc. and David J. Bass Case Number: 03-03279 Hearing Site: Houston, Texas NATURE OF DISPUTE Customer v. Member Firm and Associated Person Mark J. Zebrowitz ("Claimant") was represented by Leonard J. Meyer, Esq., of Zimmerman, Axelrad and Meyer, of Houston, Texas. Morgan Stanley

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Claimant Burton B. Sharoff v. 03-03277 Denver, Colorado Respondent A.G. Edwards & Sons, Inc. Nature of Dispute: Customer v. Member REPRESENTATION OF PARTIES Burton B. Sharoff ("Claimant") was represented by Jeffrey J. Scott, Esq., of Scott & Associates, P.C., Denver, Colorado. A.G. Edwards & Sons, Inc. ("Respondent") was represented by M. Jane Matoesian, Esq., of

STIPULATED AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Ronald Rumsey and 03-03276 Kansas City, Missouri Legacy Financial Services, Inc. Mark A. Nelson Nature of the Dispute: Customer vs. Member and Associated Person REPRESENTATION OF PARTIES Ronald Rumsey ("Claimant") was represented by Roger N. Walter, Esq., Morris, Laing, Evans, Brook & Kennedy, Chtd., Topeka, Kansas. Legacy Financial Ser

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Oppenheimer & Co., a Division of Fahnestock & Co., Inc., Claimant v. Craig A. Rutledge, Respondent Craig A. Rutledge, Counter-Claimant v. Oppenheimer & Co., a Division of Fahnestock & Co., Inc., Counter-Respondent Craig A. Rutledge, Third-Party Claimant v. CIBC World Markets Corp. and Larry Isaacs, Third- Party Respondents Case Number: 03-03265 Hearing Site: Los Angel

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 03-03264 Patricia Diane Herndon, Claimant vs. Morgan Keegan & Company, Inc., and Michael Kirkland, Respondents. ATTORNEYS: For Claimant, Patricia Diane Herndon, ("Claimant"), appeared Jodie J. Kelley, Esq., of Kelly Law Firm, Rogers, AK. Respondents, Morgan Keegan & Company, Inc., and Michael A. Kirkland, (collectively "Respondents"), appeared through their in-house counsel, J. P. Brizzolar

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Cynthia M. Wong (Claimant) v. Citigroup, Inc. and Citigroup Global Markets, Inc. f/k/a Salomon Smith Barney, Inc. a/k/a Smith Barney, Inc. (Respondents) Case Number: 03-03262 Hearing Site: New York, New York Nature of the Dispute: Associated Person vs. Member and Non-Member. REPRESENTATION OF PARTIES Claimant Cynthia M. Wong ("Wong") hereinafter referred to as "Claimant": James J.