FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018057690301 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Louis Cook, Respondent Investment Company Products/Variable Contracts Representative CRD No. 2469412 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Louis Cook (“Respondent” or “Cook”) 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. 2017055286901 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Steven S. Maher, Sr., Respondent Investment Company and Variable Contracts Products Representative CRD No. 1011535 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Steven S. Maher, Sr., ("Maher" or "Respondent") 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. 2018057640301 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Andre Pierre Davis, Respondent General Securities Representative CRD No. 1417097 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Andre Pierre Davis 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. 2018057646701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Billy Hai Zhang, Respondent Former Registered Representative CRD No. 5510158 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Billy Hai Zhang ("Zhang") submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.