FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019063909501 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Bradley S. Lay (Respondent) General Securities Representative CRD No. 4633746 Pursuant to FINRA Rule 9216, Respondent Bradley S. Lay submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2020066327501 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Wells Fargo Clearing Services, LLC (Respondent) Member Firm CRD No. 19616 Wells Fargo Advisors Financial Network, LLC (Respondent) Member Firm CRD No. 11025 Pursuant to FINRA Rule 9216, Respondents Wells Fargo Clearing Services, LLC (“WFCS”) and Wells Fargo Advisors Financial Network, LLC (“WFAFN”) (collectively, the “Respondents”

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2020065096501 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Ecoban Securities Corporation (Respondent) Member Firm CRD No. 29112 Pursuant to FINRA Rule 9216, Respondent Ecoban Securities Corporation (Ecoban) submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below. This AWC is submitted on the