FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2017053314902 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Christopher Fernan (Respondent) Former General Securities Representative CRD No. 5896584 Pursuant to FINRA Rule 9216. Respondent Christopher Fernan 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. 2019063916701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Troy R. Baily, Respondent Former Investment Company and Variable Contracts Products Representative CRD No. 4458930 Pursuant to FINRA Rule 9216, Respondent Troy R. Baily 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. 2019063005301 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Travis R. Nelson (Respondent) Former General Securities Representative CRD No. 6018906 Pursuant to FINRA Rule 9216, Respondent Travis R. Nelson submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.