FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2020068535401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Merrill Lynch, Pierce, Fenner & Smith Incorporated (Respondent) Member Firm CRD No. 7691 Pursuant to FINRA Rule 9216, Respondent Merrill Lynch, Pierce, Fenner & Smith Incorporated submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.

BEFORE THE NATIONAL ADJUDICATORY COUNCIL FINANCIAL INDUSTRY REGULATORY AUTHORITY In the Matter of Department of Enforcement, Complainant, vs. Matthew R. Logan Braintree, MA Respondent. DECISION Complaint No. 2019063570502 Dated: June 2, 2022 Respondent acted unethically by using an imposter to cheat on the FINRA Regulatory Element and several other continuing education courses. Held, findings and sanctions affirmed. Appearances For the complainant: Megan P. Davis, Esq., Meghan Ferguson, Esq., and Robert Kennedy, Esq.,