FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2021070569901 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Richard F. Spettell (Respondent) General Securities Representative CRD No. 1686392 Pursuant to FlNRA Rule 9216, Respondent Richard F. Spettell 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. 2023078087101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Thomas Vernor (Respondent) Former General Securities Representative CRD No. 1277533 Pursuant to FINRA Rule 9216, Respondent Thomas Vernor submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.