THE CLIENT'S ATTORNEY ALLEGED MISREPRESENTATIOM OF THE DEATH BENEFIT OF AN ANNUITY BOUGHT ON DECEMBER 17,2001. DAMAGES UNSPECIFIED.

CUSTOMER CLAIMS MR. BANNOWSKY PURCHASED SEVERAL STOCKS WHICH SHE WAS NOT AWARE WERE MADE ON MARGIN. CUSTOMER DOES NOT CLAIM ANY ACTUAL DAMAGES. CUSTOMER DOES STATE THAT SHE WAS SUBJECT TO MAINTENANCE CALLS. THIS OCCURRED AT MERRILL LYNCH.

PENDING NOT PROVIDED

CUSTOMER COMPLAINED THAT HE WAS UNSUITABLE FOR FINANCIAL COMMODITY TRANSACTIONS, AND THAT MR. BANNOWSKY (ALONG WITH 3 OTHER REPRESENTATIVE) MISREPRESENTED THE MARKETS CONDITIONS.

$15,000.00

COMPLAINT WAS SETTLED BY PAYMENT OF $15,000 TO CUSTOMER BY EMPLOYER EMPLOYER INVESTIGATED COMPLAINT AND FOUND NO EVIDENCE OF WRONGDOING BY MR. BANNOWSKY.

[CUSTOMER] CLAIMED HE WAS A NON-QUALIFIED INVESTOR. SEEKING ALLEGED DAMAGES OF $36,517.32 PLUS INTEREST AND ATTORNEYS FEES IF APPROPRIATE

$36,517.32

$18,250.00

SETTLEMENT PAYMENT-SUM OF $18,250 PAID TO [CUSTOMER] BY MONEX DEPOSIT COMPANY IN FULL SETTLEMENT AND SATISFACTION OF ALL EXISTING AND POTENTIAL CLAIMS AGAINST MIL, MDCD, MCCD & BANNOWSKY. RELEASE BY [CUSTOMER]/RELEASE BY MIL, MDCO, MCCO & BANNOWSKY [CUSTOMER] INVESTED IN PRECIOUS METALS AND FOREIGN CURRENCIES IN THE FALL OF 1990. UNFORTUNATELY THE MARKET WENT AGAINST HIS POSITIONS AND IN EFFECT, HAD AN UNREALIZED LOSS APPROXIMATELY 40%. [CUSTOMER] BECAME SCARED AND PANICKED. RATHER THAN WAITING FOR A MOVE IN HIS FAVOR, HE SOLD ALL HIS HOLDING THAT SAME DAY AND REALIZED A LOSS OF APPROXIMATELY 40%. ALL TRANSACTIONS MADE WITYH [CUSTOMER] WERE HIS DECISIONS.