FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2021070378101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) 'RE: Stephen M. Polak (Respondent) Former Investment Company and Variable Contracts Products Representative CRD No. 5228523 Pursuant to FINRA Rule 9216, Respondent Stephen M. Polak 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. 2022075481501 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Kristopher C. Kessler (Respondent) General Securities Representative CRD No. 4543640 Pursuant to FINRA Rule 9216, Respondent Kristopher C. Kessler 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. 2024081399001 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Cole Fleming (Respondent) Investment Company and Variable Contracts Products Representative CRD No. 5912786 Pursuant to FINRA Rule 9216, Respondent Cole Fleming 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. 2022073805701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Pershing LLC (Respondent) Member Firm CRD No. 7560 Pursuant to FINRA Rule 9216, Respondent Pershing 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. 2020067957701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: J.P. Morgan Securities LLC (Respondent) Member Firm CRD No. 79 Pursuant to FINRA Rule 9216, Respondent J.P. Morgan Securities LLC submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.