FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018057449501 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Kathryn Renee Charpie, Respondent Former Registered Representative CRD No. 840016 In accordance with FINRA Rule 9216 of FINRA's Code of Procedure, I submit 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. 2019063663401 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Rober 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. 2019063869401 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Rachel Lorenzo Tibbie, Respondent Former Associated Person CRD No. 6856785 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent, Rachel Lorenzo Tibbie 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. 2018060848101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Andrew Fairchild, Respondent General Securities Representative CRD No. 1959274 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Andrew Fairchild submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violation described below.

FINANCIAL INDUSTRY REGULATORY AUTHORITY OFFICE OF HEARING OFFICERS DEPARTMENT OF ENFORCEMENT, Complainant, v. ROBERT HENDERSON (CRD No. 1160413), Respondent. DISCIPLINARY PROCEEDING No. 2017053462401 COMPLAINT The Department of Enforcement ("Enforcement") alleges: SUMMARY 1. Between December 17, 2010 and October 4, 2018, Respondent Robert Henderson