Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 02-06837 Gladys M. Kratz Name nf the Respondents Hearing Site: Philadelphia, PA Janney Montgomery Scott, LLC Gail Mackler-Carlino Nature of the Dispute: Customer vs. Member and Associated Person RFPRFSF.NTATTON OF PARTTFS Claimant, Gladys M. Kratz, hereinafter referred to as "Claimant", was represented by Aaron Buser, Esq., Stark & Stark

AWARD NASD Dispute Resolution In the Matter of the Arbitration Between Name of Claimant Alberto Santos and Name of Respondent Cuna Mutual Life Insurance Company Case Number: 02-06835 Hearing Site: Houston, Texas NATURE OF DISPUTE Associated Person v. Non Member REPRESENTATION OF PARTIES Alberto Santos ("Claimant") was represented by Arthur G. Guzman, Esq., of San Antonio, Texas. Cuna Mutual Life Insurance Company ("Respondent

Award NASD Dispute Resolution In the Matter oTthe Arbitration between: Name of the Claimant Case Number: 02-06834 Omar Zambrano Names of the Respondents Hearing Site: Boca Raton, Florida Martinez-Ayme Securities Alvaro Caballero Nature of the Dispute; Customer vs. Member and Associated Person. REPRESENTATION OF PARTIES Claimant Omar Zambrano ("Zambrano") appeared pro se. For Respondent Martinez-Ayme Securities ("MAS"): Nancy Van Sant, Esq.,

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Donald E. Anders, IRA and Nancy Anders, IRA, Claimants v. UBS Paine Webber, Inc. and Angeli Forster, Respondents Case Number: 02-06831 Hearing Site: San Diego, California Nature of the Dispute: Customer vs. Member and Associated Person REPRESENTATION OF PARTIES For Claimants: Arthur S. Leider Investors Arbitration Specialists, Inc. San Diego, California For Responden

Stipulated Awlard NASD Dispute Resolution In the Matter of the Arbitration Between: Michael A. Raskin Family Trust I, DTD 1/3/95, Michael A. Raskin & Mary B. Raskin TTEES, Michael A. Raskin Family Trust n, Michael A. Raskin & Mary B. Raskin TTEES, Michael A. Raskin, IRA, Mary Bonetta Raskin and Michael A. Raskin JTWROS, Michael A. Raskin Family Trust, Michael A. Raskin and Mary B. Raskin TTEES DTD 1/13/95, Claimants vs. Bear, Stearns & Co. Inc., Norman B. G

ORIGINAL Award NASD Dispute Resolution In the Matter of the Arbitration Between: Shelly Berman and Tom Cluck, Claimants v. Merrill Lynch, Pierce, Fenner, & Smith, Inc. and Allen R. Ernst, Respondents Case Number: 02-06825 Hearing Site: Seattle, Washington Nature of the Dispute: Customers v. Member and Associated Person REPRESENTATION OF PARTIES For Claimants: G. Michael Zeno, Jr., Esq. Zeno, Drake and Hively, P.S. Kirkland, Washington Fo

Stipulated Award NASD Dispute Resolution In the Matter of the Arbitration Between: Larry Rutledge, Claimant v. Wells Fargo Investments, LLC and Phillip Loomis, Respondents Case Number: 02-06824 Hearing Site: Reno, Nevada Nature of the Dispute: Customer v. Member and Associated Person REPRESENTATION OF PARTIES For Claimant: Richard J. Edson, Esq. Law offices of Richard J. Edson Sacramento, California For Respondents: Robert T. Sullwold, Esq.

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION. INC. CASE:00-04149 Raike Financial Group, Inc., claimant vs. Robert Crawford, respondent. ATTORNEYS: For Claimant appeared Ruthann G. Niosi, Esq., New York, NY. For Respondent appeared William H. Walker, Esq., St. Petersburg, FL. DATE FILED: September 22, 2000 CASE SUMMARY: Claimant alleged that respondent intentionally failed to repay the margin debt in his account. COUNTER CLAIM: Responden

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION CASE: 02-06822 Thomas J. Dawson, claimant vs. Chad A. Bingen and TD Waterhouse Investor Services, Inc., respondents. ATTORNEYS: Claimant appeared pro se, Madison, WI. For Respondents appeared in-house counsel, Janis Campanella, Esq., Boca Raton, FL. DATE FILED: November 12, 2002 CASE SUMMARY: Claimant alleged that respondents placed a fraudulent credit card transaction to his account, causing

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimants Case Number 02-06821 Gerald J. Banfe, Sr. and Sharon M. Banfe Name of the. Respondent Hearing Site: Philadelphia, PA UBS Financial Services, Inc. Nature of the Dispute: Customers vs. Member. RFPRFSFNTATTON OF PARTIES Claimants, Gerald H. Banfe, Sr. and Sharon M. Banfe, hereinafter collectively referred to as "Claimants", were represented by Carlo Scaram