FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2020065896801 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Robert Renteria, Respondent Former Investment Company and Variable Contracts Products Representative CRD No. 5773053 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Robert Renteria (“Respondent”) 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. 2016051156902 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Charles J. Euler, Jr., Respondent Former General Securities Representative, General Securities Principal, and Financial and Operations Principal CRD No. 202696 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Charles J. Euler, Jr. 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. 2019063842601 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Peggy Jean Doherty-Punderson, Respondent Former General Securities Representative CRD No. 1535750 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Peggy Jean Doherty-Punderson ("Respondent" or "Doherty-Punderson") 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 OFFICE OF HEARING OFFICERS DEPARTMENT OF ENFORCEMENT, Complainant, v. TIMOTHY TILTON AYRE, (CRD No. 2091556), Respondent. DISCIPLINARY PROCEEDING No. 2016049307801 HEARING OFFICER: COMPLAINT The Department of Enforcement alleges: SUMMARY 1. From January 2013 through March 18, 2016, and June 2, 2016 through October

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2019064265601 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Melissa A. Niederhauser, Respondent Former Associated Person CRD No. 6380536 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Melissa Niederhauser submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.