FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2019061086302 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Gerald L. Brodsky, Respondent Former Registered Representative CRD No. 1172647 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Gerald L. Brodsky submits this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the alleged rule violations

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018059723101 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Vitthal Mathurbmas Patel, Respondent CRD No. 1775477 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Vitthal Mathurbmas Patel ("Patel") submits this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the alleged rule violations

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2017056381601 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Carlton Jerome Dick, Respondent General Securities Representative and Operations Principal CRD No. 5639545 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Carlton Jerome Dick ("Dick" or "Respondent") submits this Letter of Acceptance, Waiver and Consent ("AWC")

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2017054157401 TO: Department of Enforcement Financial Industry Regulatory Authority (“FINRA”) RE: Lawrence James Rizer, Respondent CRD No. 1168778 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, I submit 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 condition that, if accepted,

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. SECURITIES EXCHANGE ACT OF 1934 Release No. 86751 / August 23, 2019 Admin. Proc. File No. 3-13678r In the Matter of the Application of JOHN M.E. SAAD For Review of Disciplinary Action Taken by FINRA OPINION OF THE COMMISSION REGISTERED SECURITIES ASSOCIATION – REVIEW OF DISCIPLINARY PROCEEDING Court of appeals remanded matter to the Commission after Commission sustained FINRA disciplinary action for Commission to determine in the first instance whether