FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2017056381601 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Carlton Jerome Dick, Respondent General Securities Representative and Operations Principal CRD No. 5639545 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Carlton Jerome Dick ("Dick" or "Respondent") submits this Letter of Acceptance, Waiver and Consent ("AWC")

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2017054157401 TO: Department of Enforcement Financial Industry Regulatory Authority (“FINRA”) RE: Lawrence James Rizer, Respondent CRD No. 1168778 Pursuant to 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. This AWC is submitted on the condition that, if accepted,

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. SECURITIES EXCHANGE ACT OF 1934 Release No. 86751 / August 23, 2019 Admin. Proc. File No. 3-13678r In the Matter of the Application of JOHN M.E. SAAD For Review of Disciplinary Action Taken by FINRA OPINION OF THE COMMISSION REGISTERED SECURITIES ASSOCIATION – REVIEW OF DISCIPLINARY PROCEEDING Court of appeals remanded matter to the Commission after Commission sustained FINRA disciplinary action for Commission to determine in the first instance whether

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018059155702 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Michael Joseph David Kane, Respondent General Securities Representative and General Securities Principal CRD No. 704604 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Michael Joseph David Kane ("Kane" or "Respondent") submits this Letter of Acceptance, Waiver and Consent

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018059155703 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: John Darrick Atchison, Respondent General Securities Representative CRD No. 1284207 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent John Darrick Atchison ("Atchison" or "Respondent") submits this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose