FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018060933401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Leonard C. Kinsman, Respondent Former General Securities Representative and General Securities Principal CRD No. 2816535 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Leonard C. Kinsman 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. 2018057530701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: SunTrust Investment Services, Inc., Respondent FINRA Member Firm CRD No. 17499 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent SunTrust Investment Services, Inc. (“SunTrust” or the “Firm”) submits this Letter of Acceptance, Waiver and Consent (“AWC”) for the purpose of proposing a settlement of the alleged rule

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2019062980701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Dennis J. Murphy, Respondent Former General Securities Representative, General Securities Principal, and Compliance Officer CRD No. 4840274 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Dennis J. Murphy submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2016048498401 TO: Department of Enforcement Financial Industry Regulatory Authority (“FINRA”) RE: CODA Markets, Inc., Respondent Member Firm CRD No. 36187 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, CODA Markets, Inc. (the “firm”) submits this Letter of Acceptance, Waiver and Consent (“AWC”) for the purpose of proposing a settlement of the alleged rule violations described below. This AWC is submitted on the

FINANCIAL INDUSTRY REGULATORY AUTHORITY OFFICE OF HEARING OFFICERS DEPARTMENT OF ENFORCEMENT, Complainant, v. WILLIAM JOSEPH KIELCZEWSKI (CRD No. 4034356), Respondent. Disciplinary Proceeding No. 2017054405401 Hearing Officer–DRS EXTENDED HEARING PANEL DECISION May 15, 2020 For engaging in private securities transactions, making false statements to his member firm employer, and willfully causing the firm to file a misleading initial Uniform Application for Securities Industry Registration or Transfer (Form U4) and four Form U4 amendments,