FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019063434601 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: ChoiceTrade (Respondent) Member Firm CRD No. 104021 Neville Golvala (Respondent) General Securities Principal CRD No. 1710355 Pursuant to FINRA Rule 9216, Respondents ChoiceTrade and Neville Golvala submit 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. 2020068047101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Charles Schwab & Co., Inc. (Respondent) Member Firm CRD No. 5393 Pursuant to FINRA Rule 9216, Respondent Charles Schwab & Co., Inc. 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. 2021070547501 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: TD Ameritrade Clearing, Inc. (Respondent) Member Firm CRD No. 5633 Pursuant to FINRA Rule 9216, Respondent TD Ameritrade Clearing, Inc. (TDAC) submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.