FINANCIAL INDUSTRY REGULATORY AUTHORITY OFFICE OF HEARING OFFICERS Department of Enforcement, Complainant, v. Sean Michael Refsnider (CRD No. 4762963), Respondent. Disciplinary Proceeding No. 2019063790901 Hearing Officer: COMPLAINT The Department of Enforcement (“Enforcement”) alleges: SUMMARY 1. From July 2019 through August 2019 (the “Relevant Period”), while associated with Ameriprise Financial Services, Inc. (“Ameriprise” or the “Firm”), Sean Michael Refsnider (“Refsnider”) converted approximately $42,000

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018060228201 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Kestra Investment Services, LLC, Respondent Member Firm CRD No. 42046 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Kestra Investment Services, LLC 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. 2019062489101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: James Kennedy, Respondent Former Registered Representative CRD No. 1527660 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent James Kennedy 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. Gustavo Trujillo Franco (CRD No. 6793684), Respondent. Disciplinary Proceeding No. 201906488450 COMPLAINT Department of Enforcement alleges: SUMMARY 1. On November 18, 2019, and December 16, 2019, Gustavo Trujillo Franco failed to appear for testimony under oath that FINRA’s Department of Member Supervision (“Member Supervision”) had requested

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018059323201 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Charles L. Doraine, Respondent General Securities Representative CRD No. 70411 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Charles L. Doraine ("Doraine" or "Respondent") submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.