FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2023077701101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Gabriel Ruiz (Respondent) Former Investment Company and Variable Contracts Products Representative CRD No. 7426643 Pursuant to FINRA Rule 9216, Respondent Gabriel Ruiz 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. 2020069057401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Larry J. Michaels (Respondent) General Securities Representative, General Securities Principal CRD No. 4351477 Pursuant to FINRA Rule 9216, Respondent Larry Michaels submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.