FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2022076346501 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Matthew T. Higgins (Respondent) Investment Banking Representative CRD No. 4209849 Pursuant to FINRA Rule 9216, Respondent Matthew T. Higgins submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.