FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2018057201801 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Merrill Lynch, Pierce, Fenner & Smith Incorporated (Respondent) Member Firm CRD No. 7691 Pursuant to FINRA Rule 9216, Respondent Merrill Lynch, Pierce, Fenner & Smith Incorporated 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. 2016049188701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Wells Fargo Advisors, LLC (n/k/a Wells Fargo Clearing Services, LLC) Member Firm CRD No. 19616 Wells Fargo Advisors Financial Network, LLC Member Firm CRD No. 11025 Pursuant to FINRA Rule 9216, Respondents Wells Fargo Advisors, LLC (n/k/a/ Wells Fargo Clearing Services, LLC) (WFA) and Wells Fargo Advisors Financial Network, LLC (WFAFN)

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019062531501 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Royal Alliance Associates, Inc. (Respondent) Member Firm CRD No. 23131 Sagepoint Financial, Inc. (Respondent) Member Firm CRD No. 133763 FSC Securities Corporation (Respondent) Member Firm CRD No. 7461 Pursuant to FINRA Rule 9216, Respondents Royal Alliance, Sagepoint, and FSC submit this Letter of Acceptance, Waiver, and Consent (AWC)

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2020065058201 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Hayk Nmn Papoyan (Respondent) Former Investment Company and Variable Contracts Products Representative CRD No. 4459980 Pursuant to FINRA Rule 9216, Respondent Hayk Papoyan submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019063821604 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Joseph Scott Audia (Respondent) General Securities Principal CRD No. 2909761 Pursuant to FINRA Rule 9216, Respondent Joseph Scott Audia 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. 2020066583201 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Tor Brokerage LLC (Respondent) Member Firm CRD No. 135274 Pursuant to FINRA Rule 9216, Respondent Tor Brokerage LLC 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. 2019062530101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: LPL Financial LLC (Respondent) Member Firm CRD No. 6413 Pursuant to FINRA Rule 9216, Respondent LPL Financial LLC (LPL) 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. 2019063821606 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Todd Franklin Kling (Respondent) General Securities Representative CRD No. 3034284 Pursuant to FINRA Rule 9216, Respondent Todd Franklin Kling 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

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019062873301 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: SagePoint Financial, Inc. Member Firm CRD No. 133763 Pursuant to FINRA Rule 9216, Respondent SagePoint Financial, Inc. 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 condition that, if accepted,

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2020066704601 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Joseph Michael Fedorko (Respondent) General Securities Representative (GSR) CRD No. 2007317 Pursuant to FINRA Rule 9216, Respondent Joseph Fedorko 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