NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION. INC. CASE: 00-03335 PaineWebber Incorporated, claimant vs. John Demer, respondent. ATTORNEYS: For Claimant, PaineWebber Incorporated, ("Claimant"), appeared Lisa A. Catalano, Esq., of the Law Offices of Joel E. Davidson, Park Ridge, NJ. Respondent, John Demer, ("Respondent"), appeared Pro Se, West Palm Beach, FL. DATE FILED: August 4, 2000 CASE SUMMARY: Claimant alleged that Respondent breached

Award NASD Regulation, Inc. In the Matter of the Arbitration Between: Nam Hoon IKang and Jung Sun Kang, Claimants v. Hanmi Securities, Inc., and Chan Kang, Respondents Case Number: 99-00733 Hearing Site: Los Angeles, California REPRESENTATION OF PARTIES For Claimants: For Respondents Hanmi Securities, Inc., and Chan Kang: Marc I. Zussman, Esq. Law Offices of Marc I. Zussman Los Angeles, California Christopher J. Kondon, Esq.

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between Name of Claimant Opal W. Nelson Case No. 99-00732 Name of Respondent Merrill Lynch, Pierce, Fenner & Smith, Inc. REPRESENTATION OF PARTIES For Opal W. Nelson ("Nelson"), hereinafter referred to as "Claimant": Pat Huddleston,'ill, Esq. of the law firm of Dawson & Huddleston, Atlanta, Georgia from October 27, $99 iftitii his withdrawal on January 26, 2000. Thereafter,

NASD DISPUTE RESOLUTION AWARD NASD DISPUTE RESOLUTION, INC. CASE: 99-00719 Cecil D, Dooling and Suzanne Ferretti, claimants vs. Randy Friedlander and Dean Witter Reynolds Inc., respondents. ATTORNEYS: Claimants appeared Pro Se, North Lauderdale, FL. For Respondents appeared Jon Jacobson, Esq. of the firm Steel, Hector & Davis LLP, West Palm Beach, FL. DATE FILED: February 17, 1999 CASE SUMMARY: Claimant alleged that respondents recommended secur

Award NASD Dispute Resolution In the Matter of the Arbitration Between: Steven J. Rottman, Claimant v. Merrill Lynch Pierce Fenner & Smith Inc., Jeffrey Marc Krull, and Martin Krull, Respondents Case Number: 99-00718 Hearing Site: Los Angeles, California Nature of Dispute: Customer v. Member and Associated Persons REPRESENTATION OF PARTIES For Claimant: For Respondent: Merrill Lynch Pierce Fenner & Smith Inc. Jeffrey Marc Krull Marti

Award NASD Regulation, Inc. In the Matter of the Arbitration Between Name of Claimants Russell W. and Jeanne K. Twigg vs. Case No. 99-00711 Name of Respondents Merrill Lynch Pierce Fenner & Smith, Inc. Robert L. Shangraw REPRESENTATION OFJPARTffiS Claimants, Russell W, and Jeanne K. Twigg, hereinafter collectively referred to as "Claimants": Foster S. Goldman, Jr., Esq., Markel, Schafer & Goldman, Pittsburgh, Pennsylvania Respondents, Me

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Dakota Construction, Inc. v. VTR Capital, Inc., a/k/a Fairchild Financial Group, Inc., Jason Cope, Jeffrey Haberstroh, Wallace Coniey and E.M. Holdings Case Number: 99-704 Hearing Site: Omaha, Nebraska REPRESENTATION OF PARTIES Claimant, Dakota Construction, Inc. ("Dakota"), hereinafter referred to as "Claimant": Gail E. Boliver, Esq., Marshalltown, Iowa. Respondent, VTR C

Award NASD Dispute Resolution, Inc. In the Matter of the Arbitration Between: Winston E. Griffith and Sally Griffith JT TEN/WROS, Claimants v. Millennium Securities Corp. and James M. Frace, Respondents Case Number: 99-00703 Hearing Site: Seattle, Washington REPRESENTATION OF PARTIES For Claimants: Winston E. Griffith Chehalis, Washington For Respondents: Rick Cardillo Millennium Securities Corp. New York, New York CASE INFORMATION S

Award NASD Regulation, Inc. In the Matter of the Arbitration Between: Themi H. Demas and Christina A. Demas, (Claimants) vs. Charles Schwab & Co., Inc. (Respondent). Case Number: 99-00700 Hearing Site: San Francisco, California. REPRESENTATION OF PARTIES Themi H. Demas and Christina A. Demas hereinafter collectively referred to as "Claimants": George G. Benetatos, Esq., Law Offices of George G. Benetatos, San Francisco, California. Charles Schwab &

Stipulated Award NASD In the Matter of the Arbitration Between: Name of the Claimant Case Number: James R. Swaggard 99-00699 Names of the Respondents Hearing Site: Bears Stearns Securities Corp., Boca Raton, FL Michael Anthony Pollaccia, and Joseph Sciarra Name of the Third-Party Respondent David Lame REPRESENTATION OF PARTIES For James R. Swaggard, hereinafter referred to as "Claimant": Dennis M. Boyce, Esq., North Palm Beach, FL. For R