FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019061442601 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: UBS Financial Services Inc. (Respondent) Member Firm CRD No. 8174 Pursuant to FINRA Rule 9216, Respondent UBS Financial Services Inc. (UBS-FS) 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. 2021071366302 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Insigneo Securities, LLC (Respondent) Member Firm CRD No. 29249 Pursuant to FINRA Rule 9216, Respondent Insigneo Securities, LLC 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. 2023078030001 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Donald Ayers Jr. (Respondent) Former General Securities Principal and former General Securities Representative CRD No. 1529464 Pursuant to FINRA Rule 9216, Respondent Donald Ayers submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.