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Non-Tech : JB Oxford, Lombard, Etrade

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To: Bao Truong who wrote (114)	12/9/1996 8:32:00 PM
From: Derek Coons	of 396

I talked with the CEO of JB Oxford, Steve Rubenstein, today about JB Oxford's relationship with Kott. Rubenstein was very friendly and responsive. I talked to him for about 10 minutes. He said that Kott's wrongdoings were back in the 70's and that Kott is only an advisor. Rubenstein said that he had an extensive 4 hour interview with Kott several years ago. He also said he spent well over 100 hours in his decision to let Kott work with JB Oxford. Rubenstein believed he deserved a second chance. He told me that Kott merely works in the advertising department. Rubenstein was impressed with the advertising job Kott was responsible for. Most of you have probably seen the effective commercials on CNBC. Rubenstein also told me that Kott would probably be leaving JB Oxford in mid 1997. Rubenstein refered to the Time magazine article as yellow journalism. I told Rubenstein that it would ease everyones' minds if JB Oxford got rid of him. Hopefully, by mid 1997, he will be gone. As for insurance, the SIPC covers up to $500,000 per account. By the way, I hope I spelled Rubenstein correctly. Sorry if I didn't.

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