JUL-06-1995 16:01 FROM TO 12128584429 P.05/16 N.A.S,D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimant Seymour S, Kain Living Trost 93-02370 Name of Respondent Cbatfieid Dean & Co. CASESIMMARY In a claim filed with the National Association of Securities Dealers, Inc. ("NASD") on June 14, 1993, Claimant Seymour S. Kain Living Trust Dated March 1, 1988 ("Kain*), who appeared pro se

N.A.S.D. STIPULATED AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimant Financial Clearing & Services Corp, 93-02365 Name of Respondent Charles Malico REPRESENTATION For Claimant: Stuart N. Kingoff, Esq. of Wexler & Burkhart, P.C. For Respondent: Charles Maiico appeared pro-se. CASE INFORMATION Statement of Claim filed: June 11. 1993. Claimant's Submission Agreement signed on: Ap

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimant Robert Dale Bodnar 93-02360 Name of Respondent Jeffrey L. Chesler CASE SUMMARY In a claim filed with the National Association of Securities Dealers, Inc. on June 15, 1993, Claimant Robert Dale Bodnar, who appeared Pro Se, alleged that in August, 1988 he spoke to Respondent Jeffrey L. Chesler, representative from First Eagle, In

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimant Benjamin Singer 93-02359 Name of Respondents Halpert and Company, Inc., Michael Citron and Alan Halpert REPRESENTATION For Claimant Benjamin Singer ("Claimant"): Claimant appeared Pro se. For Respondents Halpert and Company, Inc. ("Halpert and Company"), Michael Citron ("Citron") and Alan Halpert ("Halpert"): Mari-Anne

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION, INC. CASE: 00-03703 Arthur Isman and Gloria Isman, Claimant vs. Paul Haney and Ben Kedem, Respondents. ATTORNEYS: Claimants appeared Pro Se, Bayside, NY. Respondent, Ben Kedem, appeared through Milton R. Gleit, Esq., of the firm of McCarthy, Fingar, Donovan, Drazen & Smith, LLP, White Plains, NY. Respondent, Paul Haney, appeared through Edward K. Blodnick, Esq., of the firm of Blodnick, Gordon,

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimants Betty and Y.F. Chen 93-02355 Name of Respondent Merrill Lynch, Pierce, Fenner & Smith, Inc. REPRESENTATION For Claimants: John L. Moncrief, Esq., New York, NY. For Respondents: Sol Freedman, Esq., of the law firm of Freedman and Spector, Rockville Center, NY. CASE INFORMATION Statement of Claim filed: June 24, 1993.

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS Name of Claimant Yolanda Lopez No. 93-02345 Name of Respondents John Hancock Distributors, Inc. Patrick MCCoy, REPRESENTATION OF PARTIES For Claimant: Alex B. Vacula, Esq., of Titus, Bruckner fie Berry, Scottsdaie, Arizona. For Respondent John Hancock Distributors, Inc.: Frederick W. Keuthen, esq., Associate Counsel, John Hancock Mutual Life Insurance Company, Boston, Massachusetts.

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Claimants Jerry & Ruth Winkler NASD #93-02340 AWARD VS. Charles Schwab & Company, Inc., Debbie Bertram REPRESENTATION For Claimants: Robert A. Massi, Esq. of Las Vegas, Nevada. For Respondents: Richard S. Dangerfield, Esq. of Charles Schwab of San Francisco, California. CASE INFORMATION Statement of Claim filed: June 14, 1993

N.A.S.D. AWARD NATIONAL ASSOCIATION OF SECURITIES DEALERS In the Matter of the Arbitration Between Name of Claimant Robert F. White 93-02337 Name of Respondent The Dime Savings Bank of New York Armando Ronald Olivieri Dime Securities of New York, Inc. Name of Third-Party Respondent Invest Financial Corporation REPRESENTATION For Claimant Robert F. White: Claimant appeared pro se. For Respondents The Dime Savings Bank of New York

N.A.S.D. AWARD NATIONAL ASSOCIATION OP SF.rJIRTTTFS DFAT.F.RS. INC, In the matter of the Arbitration Between Name of Claimant Rose Ellen Chambers NASD Arbitration No 93-02325 Name of Respondent Clyde Bruff REPRESENTATION For Claimants: M. Eric Olmstead, Esq. - Wendel, Rosen Black Dean & Levitan - Oakland, California For Respondent: Walter L. Baumgardner, Esq. - Musilli, Baumgardner, Wagner & Parnell - St. Clair Shores, Michigan C