FINANCIAL INDUSTRY REGULATORY AUTHORITY OFFICE OF HEARING OFFICERS Disciplinary Proceeding No. 2023077854301 Department of Enforcement, Complainant, v. Willnard Love, CRD No. 7422353, Respondent. COMPLAINT The Department of Enforcement alleges: SUMMARY In January 2023, Willnard Love falsely told his firm, Northwestern Mutual Investment Services, LLC (“Northwestern” or the “firm”), that he had received a passing exam score report on the FINRA Securities Industry Essentials (“SIE”) exam when he had, in fact, failed.