CLIENT ALLEGED THAT THE REPRESENTATIVE DID NOT FULLY DISCLOSE ALL MATERIAL FACTS IN THE SALE OF AN INSURANCE PRODUCT.

BOTH THE FIRM AND THE REPRESENTATIVE DENIED OMITTING ANY MATERIAL FACTS. THE REPRESENTATIVE AND HIS SUPERVISOR MET WITH THE CLIENT TO REVIEW THE TRANSACTION AND THE CLIENT ACKNOWLEDGED IT WAS A MISUNDERSTANDING AND ELECTED TO KEEP THE INSURANCE PRODUCT.

CLIENT ALLEGED THAT THE RR FAILED TO EXPLAIN DIFFERENT TYPES OF RISK PROFILES IN AN UNDERSTANDABLE MANNER AT ACCOUNT OPENING, DID NOT DISCUSS HER INVESTMENT RISK TOLERANCE THEREAFTER, AND FAILED TO CHANGE HER ACCOUNT RISK PROFILE WHEN INSTRUCTED TO DO SO.

BOTH SSI AND THE RR DENY EACH ALLEGATION MADE.

GLYTEC SYSTEMS, LLC ("CLIENT") ALLEGES THAT SSI, THROUGH ITS REPRESENTATIVES, MADE UNSUITABLE RECOMMENDATIONS ADVISING CLIENT TO PURCHASE MARKET-LINKED CERTIFICATES OF DEPOSIT AND A STEP-UP U.S. AGENCY BOND, WHICH WERE PURCHASED ON OCTOBER 17, 2011. CLIENT ALSO ALLEGES THAT CERTAIN MATERIAL DISCLOSURES RELATED TO THE INVESTMENTS AND THE ACCOUNT AGREEMENT (OPENED ON OCTOBER 6, 2011) WERE NOT PROVIDED.

$140,686.97

$77,382.51

QUESTIONS 7-11 DO NOT APPLY TO THIS ARBITRATION AS THE REPRESENTATIVE WAS NAMED AS A PARTY; HOWEVER, SOFTWARE LIMITATIONS WILL NOT ALLOW THE RADIO BUTTONS ASSOCIATED WITH THOSE QUESTIONS TO BE UNSELECTED. THE FIRM AND REPRESENTATIVE DENIED ALL ALLEGATIONS AND THE ARBITRATION PANEL DISMISSED THE CLAIM OF FRAUD WITH PREJUDICE.

ON 11/01/06, [CUSTOMER] OPENED A ROLLOVER IRA ACCOUNT WITH MR. CURRY AND DEPOSITED $142,987.11. CURRY STATED HIS TIME HORIZON TO BE BETWEEN 6 TO 10 YEARS. CURRY RECOMMENDED PREFERRED STOCK AND CLOSED END MUTUAL FUNDS, DISCUSSING EACH WITH [CUSTOMER]. ACCOUNT LOST OVER $12,000 AND [CUSTOMER] REQUESTED SYNOVUS MAKE HIM WHOLE FOR UNREALIZED LOSSES.

$12,000.00

[CUSTOMER] TRANSFERRED HOLDINGS TO ANOTHER BROKERAGE. SYNOVUS DENIED REQUEST ON JANUARY 24, 2008. [CUSTOMER] HAS TAKEN NO FURTHER ACTION AS OF THIS DATE, THEREFORE RESPONSE TO #8 WAS MARKED, "NO".