FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018059685701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Karen Clark-Kocinski, Respondent Investment Company and Variable Contracts Products Representative CRD No. 3169298 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Karen Clark- Kocinski 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. 2019062736301 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: James Andrew Gallego, Respondent Registered Representative CRD No. 6226068 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent, James Andrew Gallego ("Gallego"), submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.