FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2017053017201 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Christopher Kozak, Respondent Former General Securities Representative CRD No. 5530806 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Christopher Kozak, submits this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the alleged rule violations

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2019062550101 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Brendan James Flick, Respondent Former Registered Representative CRD No. 6130327 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Brendan James Flick ("Flick") 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. KIM K. KOPACKA (CRD No. 3153396) and BETH A. DEBOUVRE (CRD No. 3176483), Respondents. Disciplinary Proceeding No. 2016050137503 Hearing Officer-DRS ORDER ACCEPTING OFFER OF SETTLEMENT Date: November 1, 2019 INTRODUCTION Disciplinary Proceeding No. 2016050137503 was filed on March 25, 2019, by the

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2017055883501 TO: Department of Enforcement Financial Industry Regulatory Authority (F1NRA) RE: Elizabeth Ann Guarino, Respondent General Securities Representative CRD No. 1264531 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Elizabeth Ann Guarino (“Guarino” 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.