FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2019063529101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Lawrence Moskowitz (Respondent) Former General Securities Representative Former Investment Company and Variable Contracts Products Representative CRD No. 2026186 Pursuant to FINRA Rule 9216, Respondent Lawrence Moskowitz 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. 2018056858102 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Gary M. Bowman (Respondent) General Securities Representative CRD No. 2035699 Pursuant to FINRA Rule 9216, Respondent Gary M. Bowman 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. 2019060694202 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Stuart L. Pearl (Respondent) Former General Securities Representative CRD No. 1500833 Pursuant to FINRA Rule 9216, Respondent Stuart L. Pearl 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. 2021070491301 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Juan M. Ceja (Respondent) Former Investment Company and Variable Contracts Products Principal; and Investment Company and Variable Contracts Products Representative CRD No. 2732374 Pursuant to FINRA Rule 9216, Respondent Juan M. Ceja submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the