FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2019062086201 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: James R. Hedges IV (Respondent) Former Private Securities Offerings Representative CRD No. 2326924 Pursuant to FINRA Rule 9216, Respondent James R. Hedges IV submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. SECURITIES EXCHANGE ACT OF 1934 Release No. 90737 / December 21, 2020 Admin. Proc. File No. 3-19138 In the Matter of the Application of BRUCE ZIPPER and DAKOTA SECURITIES INTERNATIONAL, INC. For Review of Disciplinary Action Taken By FINRA OPINION OF THE COMMISSION REGISTERED SECURITIES ASSOCIATION - REVIEW OF DISCIPLINARY PROCEEDING Registered securities association expelled firm from membership in association, and

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019064399201 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Timothy Joseph (Respondent) Investment Company and Variable Contracts Products Representative CRD No. 4393016 Pursuant to FINRA Rule 9216, Respondent Timothy Joseph 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

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019061510101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Terry Tzagarakis (Respondent) General Securities Representative CRD No. 2796055 Pursuant to FINRA Rule 9216, Respondent Terry Tzagarakis 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