NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 05-00180 Cheri R. Damitio IRA (Claimant) v. Charles Schwab & Co., Inc. (Respondent) ATTORNEYS: Claimant Cheri R. Damitio IRA ("Claimant") appeared pro se, Blodgett, OR. For Respondent Charles Schwab & Co., Inc. ("Respondent") appeared Brandon K. Hemley, Esq., in-house counsel, Charles Schwab & Co., Inc., San Francisco, CA. NATURE OF DISPUTE: Customer vs. Member. DATE FILED: January 3, 2005.

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Citigroup Global Markets Inc. f/k/a Salomon Smith Barney Inc. (Claimant) v. John M. Murphy (Respondent) Case Number: 05-00177 Hearing Site: New York, New York Nature of the Dispute: Member v. Associated Person REPRESENTATION OF PARTIES Claimant Citigroup Global Markets Inc. f7k/a Salomon Smith Barney Inc. hereinafter referred to as "Claimant": David W. Schmidt, Esq., Cranford, N

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Nana A. Barwise and Name of Respondent Merrill Lynch Pierce Fenner & Smith, Inc. Case Number: 05-00162 Hearing Site: Houston, Texas NATURE OF DISPUTE Customer v. Member Firm REPRESENTATION OF PARTIES Nana A. Barwise ("Claimant") was represented by Ryan K. Bakhtiari, Esq., Aldikoff, Uhl & Bakhtlari, Beverly Hills, California. Merrill Lynch

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 05-00159 Lawrence R. Berger, (Claimant) vs. Ameritrade, Inc., (Respondent) ATTORNEYS: " ~~ Claimant appeared pro se, Ridgefield, CT. For Respondent appeared in-house counsel James J. Vihstadt, Omaha, NE. NATURE OF DISPUTE: Customer vs. Member DATE FILED: January 11,2005 CASE SUMMARY: Claimant alleged that Respondent made an error in the execution of a trade. Claimant further alleged man

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 05-00158 Gail H. Sanders, (Claimant) vs. Merrill Lynch, Pierce, Fenner & Smith, Inc., (Respondent) ATTORNEYS: ™ ~ " Claimant appeared pro se, Elkridge, MD. For Respondent appeared Bradley B. Rounsaville, Esq., of the firm Maynard, Cooper & Gale, P.C., Birmingham, AL. NATURE OF DISPUTE: Customer vs. Member ~~ DATE FILED: January 10, 2005 CASE SUMMARY: Claimant alleged that Respondent fai

*24/2Q05 07:29 FAZJ12j85g_4380_ NASD REGULATION 1^,002 NASD M5FUTE RESOLUTION AWARD NASD DEPUTE RESOLtmON CASE: 05-00152 Reehelle S« Melcer and Leon Melcer, (Qanaante) vs. Citigroup Global Markets, tea, (Respondent) ATTORNEYS: For Claimants (Beared Jan Graham., Esq. of tite fitmJaiGrrfwm Law Offices., Salt Lake For Respondent appeared A- Jamie Sclaupp ? Esq., of the firm Weal, Graber & Eiaanberg, LLP, Chicago, 1L. NATURE OF DISPUTE: Cust

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Richard L. Rudd, Amy Rudd, Chris Pipkin, Chris Pipkin IRA, Larry Pipkin, Larry Pipkin IRA, INV Partners, Peak to Peak Partners, Betsy Pipkin Peters, and Jon Jelinek and 01-00432 Omaha, Nebraska American General Securities, Inc. First Union Securities, Inc. Dennis T. Siamis, and Charles Anthony Sever • • REPRESENTATION OF PARTIES Richard L. Rudd, Amy Rudd,

Award NASD Dispute Resolution In the Matter of the Arbitration Between: ' , • ' - ' ' , ' , ' • ' ' ... . .' i ( .' • . i Perrin, Holden & Davenport Capital Corp. (Claimant) v. Roman Genov (Respondent) Case Number: 05-00151 Hearing Site: New York, New York Nature of the Dispute: Member vs. Associated Person ;, REPRESENTATION OF PARTIES Claimant, Perrin, Holden & Davenport Capital Corp hereinafter referred to as "C

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 05-00142 Brandt Family Trust Dtd 10/4/00, Irmgard Brandt and Ruediger W. Brandt as Trustees Names of the Respondents Hearing Site: Boca Raton, Florida PaulS. Barnes Veravest Investments, Inc. Allmerica Financial Life Insurance and Annuity Company Nature of the Dispute: Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES

Award COPY NASD Dispute Resolution In the Matter of the Arbitration Between: Martha J. Dudek, Claimant v. First Union Securities, Inc. n/k/a Wachovia Securities, LLC, Daniel D. Oberst, and Todd Williams, Respondents Case Number: 05-00132 Hearing Site: Las Vegas, Nevada Nature of the Dispute: Customer v. Member and Associated Persons REPRESENTATION OF PARTIES For Claimant: Neil J. Seller, Esq. Law Off ices of Neil J. Beller Las Vegas, Nevada