FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2020067473501 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Joel Kichline (Respondent) General Securities Representative CRD No. 1416219 Pursuant to FINRA Rule 9216, Respondent Joel Kichline 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. 2019064979001 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Christopher Joseph (Respondent) Former General Securities Representative CRD No. 6841532 Pursuant to FINRA Rule 9216, Respondent Christopher Joseph 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