FINANCIAL INDUSTRY REGULATORY AUTHORITY OFFICE OF HEARING OFFICERS DEPARTMENT OF ENFORCEMENT, Complainant, v. ADAM JAMES MAKKAI (CRD No. 4025159), Respondent. Disciplinary Proceeding No. 2018058924502 Hearing Officer-MJD HEARING PANEL DECISION Date: June 3, 2021 For paying commissions to an unregistered person, in violation of FINRA Rules 2040 and 2010, Respondent is fined $2,000 and suspended for ten

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019063490102 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Ricardo Turlan (Respondent) Former General Securities Representative CRD No. 4431836 Pursuant to FINRA Rule 9216, Respondent Ricardo Turlan 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,

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019064980201 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Louis P. Kreisberg (Respondent) Former General Securities Representative and Investment Banking Representative CRD No. 1352881 Pursuant to FINRA Rule 9216, Respondent Louis P. Kreisberg 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 (FINRA) OFFICE OF HEARING OFFICERS DEPARTMENT OF ENFORCEMENT, COMPLAINANT, v. PHILLIP W. YOUNG (CRD NO. 1747216), RESPONDENT. DISCIPLINARY PROCEEDING NO. 20060074277-01 COMPLAINT The Department of Enforcement alleges: SUMMARY 1. While associated with Great American Advisors, Inc. (GAA), Respondent Phillip W. Young borrowed money from three GAA customers on at least three occasions. The amounts borrowed exceeded $200,000. GAA did not have written procedures allowing its