FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2020065127101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Creand Securities (Respondent) Member Firm CRD No. 38964 Pursuant to FINRA Rule 9216, Respondent Creand Securities submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.