FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2020067014603 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Igor Peter Kislitsa (Respondent) Former Investment Company Shares and Variable Contracts Representative CRD No. 6324794 Pursuant to FINRA Rule 9216, Respondent Igor Peter Kislitsa 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 OFFICE OF HEARING OFFICERS Disciplinary Proceeding No. 2018056490303 Department of Enforcement, Complainant, v. Timothy P. Higgins CRD No. 2282547, Respondent. COMPLAINT The Department of Enforcement alleges: SUMMARY 1.Respondent Timothy P. Higgins (“Higgins” or “Respondent”) failed to appear and provide testimony requested pursuant to FINRA Rule 8210 on two occasions.

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2021071964901 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Cesar Ricardo Alfonzo (Respondent) Former General Securities Representative CRD No. 6817711 Pursuant to FINRA Rule 9216, Respondent Cesar Ricardo Alfonzo 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. 2021070418201 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Gene Thomas Mancinelli (Respondent) Former Associated Person CRD No. 1590679 Pursuant to FINRA Rule 9216, Respondent Gene Thomas Mancinelli 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. 2020067765701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: George N. Farah (Respondent) Former Investment Company and Variable Contracts Products Representative CRD No. 6327762 Pursuant to FINRA Rule 9216, Respondent George N. Farah 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. 2018060895501 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: United Planners' Financial Services of America A Limited Partner (Respondent) Member Firm CRD No. 20804 Pursuant to FINRA Rule 9216, Respondent United Planners' Financial Services of America A Limited Partner submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.