FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2023077632501 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Morgan Stanley Smith Barney LLC (Respondent) Member Firm CRD No. 149777 Pursuant to FINRA Rule 9216, Respondent Morgan Stanley Smith Barney LLC 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. 2020068885901 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Keith M. Curtis (Respondent) Former General Securities Representative CRD No. 4798755 Pursuant to FINRA Rule 9216, Respondent Keith M. Curtis 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. 2021071685401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Jeffrey A. Russell (Respondent) Fonner General Securities Representative and Former General Securities Sales Supervisor CRD No. 2516610 Pursuant to FINRA Rule 9216, Respondent Jeffrey A. Russell submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.