FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2019061715601 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Harold A. Schwartz, Respondent General Securities Representative and General Securities Principal CRD No. 841225 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Harold A. Schwartz 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. 2018060408801 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Joseph Viet Duy Phan, Respondent Former Registered CRD No. 2555300 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, I, Joseph Viet Duy Phan ("Phan" or "Respondent"), submit this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the alleged rule violations