FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2022075290601 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Spencer R. Huggett (Respondent) General Securities Representative CRD No. 4538364 Pursuant to FINRA Rule 9216, Respondent Spencer R. Huggett 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. 2021069334401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: J.P. Morgan Securities LLC (Respondent) Member Firm CRD No. 79 Pursuant to FINRA Rule 9216, Respondent J.P. Morgan 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. 2023078871001 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Justin Y. Gerow (Respondent) Former Investment Company Products and Variable Contracts Principal CRD No. 4435995 Pursuant to FINRA Rule 9216, Respondent Justin Y. Gerow 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. 2023079723801 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Jeremy Isleman (Respondent) Investment Company and Variable Contracts Products Representative General Securities Representative CRD No. 5784741 Pursuant to FINRA Rule 9216, Respondent Jeremy Isleman 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. 2021071461401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Yonglin Ren (Respondent) General Securities Principal and General Securities Representative CRD No. 5210376 Pursuant to FINRA Rule 9216, Respondent Yonglin Ren 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 Department of Enforcement, Complainant, v. Shadi Taysir Barakat CRD No. 5031281, Respondent. Disciplinary Proceeding No. 2018056490315 COMPLAINT The Department of Enforcement alleges: SUMMARY 1. In June and July 2024, Respondent Shadi Taysir Barakat (“Barakat” or “Respondent”), failed to provide on-the-record (“OTR”) testimony requested pursuant to FINRA Rule 8210 as a part of FINRA’s investigation into whether Barakat engaged in churning and excessive trading in his customers’ accounts.

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2022073893001 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Ashlee Nicole Godfrey (Respondent) Former General Securities Representative CRD No. 5889108 Pursuant to FINRA Rule 9216, Respondent Ashlee Nicole Godfrey submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.