stipulated Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Kevin Doyle (Claimant) vs. Empire Financial Group, Jesup & Lamont, Inc., Donald Anthony Wojnowski, Timothy Moyer, Vlad Uchenik, and EFH Partners (Respondents) vs. Penson Financial Services, Inc. (Third Party Respondent) Case Number: 09-01610 Hearing Site: New York, New York Nature of the Dispute: Initial Claim: Associated Person vs. Non-Members, Member, and Associated

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Gerald Fogelman and Rale Fogelman (Claimants) vs. American Portfolios Financial (Respondent) Case Number: 09-05240 Hearing Site: Philadelphia, Pennsylvania Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES Claimants Gerald Fogelman and Raie Fogelman, hereinafter collectively referred to as "Claimants": Bruce Oakes, Esq. and Richard Fosher, Esq., Oakes & Foshe

stipulated Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Wateriight International S.A. (Claimant) vs. UBS Financial Services Inc., Edward L. Marx, Alexander M. Stimson, Lauren H. Mirman, and Barry A. Coviello (Respondents) Case Number: 09-03613 Hearina Site: New York, New York Nature of the Dispute: Customer vs. Member and Associated Persons. REPRESENTATION OF PARTIES Claimant Wateriight International S.A. ("Claimant"): Timothy

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Redwood Partners, LLC and Spectra Financial Group, LLC (Claimants) v. D&D Securities, Inc., CIBC World Markets Corp., and CSS, LLC (Respondents) Case Number: 03-09101 Hearing Site: New York, New York Nature of the Dispute: Members vs. Members and Non-Member. REPRESENTATION OF PARTIES Claimants Redwood Partners, LLC ("Redwood") and Spectra Financial Group, LLC ("Spectra"), herein

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Name of the Claimant Case Number: 09-00499 Charles Schwab & Co., Inc. Name of the Respondent Hearing Site: Washington. D.C. Kristin H. Koo Nature of the Dispute: Member vs. Customer. REPRESENTATION OF PARTIES For Charles Schwab & Co., Inc. ("Schwab"), hereinafter referred to as "Claimant": Richard A. Karoly, Esq., Associate General Counsel, Schwab, San Francisco, CA.

AWARD FiNRA Dispute Resoiution In the Matter of the AriDitration Between: Name of Claimant Merrill Lynch, Pierce, Fenner & Smith Inc. vs. Case Number: 09-06300 Hearing Site: Houston, Texas Name of Respondent Oscar Penn NATURE OF THE DISPUTE Member vs. Associated Person REPRESENTATION OF PARTIES Merrill Lynch, Pierce, Fenner & Smith Inc. ("Menrill Lynch" or "Claimant") was represented by Amy. M. Fritsky, Esq., Rubin, Fortunate & Hari5i

AWARD FiNIRA Dispute Resoiution In the Matter of the AriDitration Between: Name of Claihfiant Joseph J. Jefferys vs. Name of Respondent Merrill Lynch, Piercb, Fenner & Smithi Inc. Case Number: 09-03814 Hearing Site: Cleveland, Ohio NATURE OF THE DISPUTE Customer VS. Member REPRESENTAtiON OF PARTife Joseph J. JefferysC^CIaimanf or "Jeffreys") was represented by David P. Meyer, David P. Meyer & Associates, Co., LPA, Columbus, Ohio until

Award FINRA Dispute Resolution In the Matter of the Arbitration Between: Gregory R. Doane (Claimant) vs. Morgan Stanley & Co., Inc. (Respondent) Case Number: 08-00978 Hearing Site: New York, New York Nature of the Dispute: Customer vs. Member. REPRESENTATION OF PARTIES Claimant Gregory R. Doane, hereinafter referred to as "Claimant": Christopher J. Gray, Esq., Christopher J. Gray, P.C, New York, NY. Previously represented by Roy L. Jacobs, Esq., Roy

Award FINRA Dispute Resolution In the Matter of the Ariaitration Between: Joseph K. Borkowski (Claimant) vs. Merrill Lynch, Pierce, Fenner and Smith (Respondent) Case Number: 08-02389 Hearing Site: New Yori^, New York Nature of the Dispute: Associated Person vs. Member. REPRESENTATION OF PARTIES Claimant Joseph K. Borkowski ("Claimant"): Marc A. Susswein, Liddle & Robinson, LLP., NewYori^, NY. Respondent Merrill Lynch, Pierce, Fenner and Smith ("

AWARD FINRA DISPUTE RESOLUTION CASE: 10-02242 Matthew J. Mielewski (Claimant) vs. Citigroup Global Markets, Inc. (Respondent) REPRESENTATION OF PARTIES: Claimant appeared pro se, Los Angeles, CA, For Respondent Louis G. Santangelo, Esq., Citigroup Global Markets, inc.. New York, NY, NATURE OF DISPUTE: Associated Person vs. Member "" ~ ~ DATE FILED: May 11,2010 CASE SUMMARY: Claimant asserted the following cause of action: unpaid vacation