Valentin Fernandez, Juan Fernandez, Daniel J. Phillips, Matthew D. Stone and Haskell P. Stone

SECURITIES EXCHANGE ACT OF 1934
Release No. 49245 / February 13, 2004

Admin. Proc. File No. 3-11347

I.

The Securities and Exchange Commission ("Commission") deems it appropriate to accept the Offers of Settlement ("Offers") submitted by Haskel P. Stone ("Stone") and Daniel J. Phillips ("Phillips") (collectively, "Respondents"), pursuant to Rule 240(a) of the Rules of Practice of the Commission [17 C.F.R. § 201.240(a)] for the purpose of settlement of this public administrative proceedings instituted against them by the Commission on December 1, 2003, pursuant to Section 15(b) of the Securities Exchange Act of 1934 ("Exchange Act").

II.

Solely for the purpose of these proceedings and any other proceedings brought by or on behalf of the Commission, or to which the Commission is a party, and without admitting or denying the findings herein, except as to the Commission's jurisdiction over them and over the subject matter of these proceedings, and as to Respondent Stone, the findings contained in Sections III.A. and III.D. below, and as to Respondent Phillips, the findings contained in Sections III.B. and III.E below, Respondents consent to the entry of this Order Making Findings and Imposing Remedial Sanctions Pursuant to Section 15(b) of the Securities Exchange Act of 1934 as to Haskell P. Stone and Daniel J. Phillips ("Order"), as set forth below.

III.

On the basis of this Order and Respondents' Offers, the Commission finds that:

A. At all relevant times, Respondent Stone was a registered representative associated with registered broker-dealers.

B. At all relevant times, Respondent Phillips was a registered representative associated with registered broker-dealers.

C. At all relevant times, Respondents participated in the offering of Lifekeepers

International, Inc. ("Lifekeepers"), BIZ Holdings, Inc. ("BIZ") and Piccard Medical Corp. ("Piccard")(collectively, "the Issuers"), which are penny stocks.

D. On March 1, 2002, Respondent Stone pled guilty to count one of a criminal indictment charging him with conspiracy to commit securities fraud, mail fraud and wire fraud. United States v. Valentin Fernandez, et al., Case No. 01-8060-CR-Ferguson (S.D. Fla. 2001). On May 10, 2002, a judgment in the criminal case was entered against Respondent, sentencing him to 5 years probation, 200 hours of community service and ordering him to pay $3,831,099 in joint and several restitution.

E. On March 6, 2002, Respondent Phillips pled guilty to counts one of a criminal indictment charging him with conspiracy to commit securities fraud, mail fraud and wire fraud. United States v. Valentin Fernandez, et al., Case No. 01-8060-CR-Ferguson (S.D. Fla. 2001). On May 17, 2002, Respondent was sentenced to 24 months in prison, 3 years of probation, and was ordered to pay $6,786,784 in joint and several restitution.

F. The criminal indictment alleged that, from approximately December 1998 through August 2000, Respondents did knowingly and willfully conspire and agree to commit securities fraud, mail fraud and wire fraud by manipulating the securities of Lifekeepers, BIZ and Piccard. The indictment alleged that Respondents conspired to artificially increase the share price of the Issuers' securities by making undisclosed cash payments to registered representatives who induced their clients to purchase the Issuers' securities.

IV.

In view of the foregoing, the Commission deems it appropriate and in the public interest to impose the sanctions specified in Respondents Offers.

Accordingly, it is hereby ORDERED:

Pursuant to Section 15(b)(6) of the Exchange Act, Respondent Stone be, and hereby is barred from association with any broker or dealer.

Any reapplication for association by the Respondents will be subject to the applicable laws and regulations governing the reentry process, and reentry may be conditioned upon a number of factors, including, but not limited to, the satisfaction of any or all of the following: (a) any disgorgement ordered against the Respondents, whether or not the Commission has fully or partially waived payment of such disgorgement; (b) any arbitration award related to the conduct that served as the basis for the Commission order; (c) any self-regulatory organization arbitration award to a customer, whether or not related to the conduct that served as the basis for the Commission order; and (d) any restitution order by a self-regulatory organization, whether or not related to the conduct that served as the basis for the Commission order.

Respondents Stone and Phillips be, and hereby are, barred from participating in any offering of penny stock, including: acting as a promoter, finder, consultant, agent, or other person who engages in activities with a broker, dealer or issuer for purposes of the issuance or trading in any penny stock; or inducing or attempting to induce the purchase or sale of any penny stock.

For the Commission, by its Secretary, pursuant to delegated authority.

By the Commission.