FINRA

WITHOUT ADMITTING OR DENYING THE FINDINGS, PIATT CONSENTED TO THE SANCTION AND TO THE ENTRY OF FINDINGS THAT HE COMPLETED AN ONLINE STATE INSURANCE CONTINUING EDUCATION COURSE AND RELATED TEST ON BEHALF OF ANOTHER REGISTERED REPRESENTATIVE, WITHOUT THE REPRESENTATIVE'S KNOWLEDGE OR APPROVAL. THE FINDINGS STATED THAT PIATT PROVIDED FALSE INFORMATION TO FINRA, IN RESPONSE TO A FINRA REQUEST INQUIRING ABOUT THE CIRCUMSTANCES SURROUNDING HIS TERMINATION FROM HIS MEMBER FIRM, IN WHICH HE FALSELY DENIED HAVING TAKEN THE CONTINUING EDUCATION COURSE AND RELATED TEST ON THE REPRESENTATIVE'S BEHALF AND THAT IN FACT, THE REPRESENTATIVE TOOK THE COURSE AND RELATED TEST. THE FINDINGS ALSO STATED THAT PIATT FALSELY REPRESENTED TO ANOTHER MEMBER FIRM MANAGEMENT (VERBALLY AND IN WRITING) THAT HE DID NOT TAKE THE CONTINUING EDUCATION COURSE AND TEST FOR THE REPRESENTATIVE. THE FINDINGS ALSO INCLUDED THAT PIATT CAUSED THIS FIRM TO FILE AN AMENDED FORM U4 ON HIS BEHALF, IN WHICH HE WILLFULLY MISREPRESENTED THAT THE REPRESENTATIVE ACCESSED HIS COMPUTER AT HIS PREVIOUS FIRM AND TOOK THE COURSE AND TEST AND FALSELY ACCUSED PIATT OF HAVING TAKEN THE TEST FOR HIM. FINRA FOUND THAT PIATT PROVIDED FALSE WRITTEN STATEMENTS TO THE FIRM FOR THE PURPOSES OF HAVING THOSE RESPONSES FORWARDED TO A TOTAL OF FIVE STATES IN RESPONSE TO THOSE STATES' INQUIRIES. PIATT'S WRITTEN SUBMISSIONS TO THOSE VARIOUS STATES CONTAINED MISSTATEMENTS INCLUDING THAT HE HAD NOT TAKEN THE CE COURSE ON THE REPRESENTATIVE'S BEHALF AND THAT THE REPRESENTATIVE TOOK THE CE COURSE.

Acceptance, Waiver & Consent(AWC)

Bar (Permanent)

All Capacities

6/20/2014

PIATT UNDERSTANDS THAT THIS SETTLEMENT INCLUDES A FINDING THAT HE WILLFULLY MISREPRESENTED A MATERIAL FACT ON A FORM U4, AND THAT UNDER SECTION 3(A)(39)(F) OF THE SECURITIES EXCHANGE ACT OF 1934 AND ARTICLE III, SECTION 4 OF FINRA'S BY-LAWS, THIS MISREPRESENTATION MAKES HIM SUBJECT TO A STATUTORY DISQUALIFICATION WITH RESPECT TO ASSOCIATION WITH A MEMBER.

FLORIDA OFFICE OF FINANCIAL REGULATION

MAKING A MATERIAL FALSE STATEMENT ON THE APPLICATION FOR REGISTRATION.

Order

Denial

I PREVIOUSLY OMITTED THE EVENT ON MY U-4 REGISTRATION ON THE ADVICE OF MY PREVIOUS FIRMS. STARING WITH AMERICAN EXPRESS FINANCIAL ADVISORS IN 09/2000. THEY DID NOT BELIEVE THAT THIS PARTICULAR EVENT, A CHARGE OF INSUFFICIENT FUNDS CHECK 3RD DEGREE UNDER $100, MET THE REQUIREMENT FOR REPORTING.AS A RESULT I DID AT THE TIME AND UP UNTIL NOW ANSWERED NO TO THE QUESTION PERTAINING TO MISDEMEANOR CONVICTIONS AND CHARGES.

INSUFFICIENT FUNDS CHECK $100 OR LESS. FINE OF $50.00, COURT COST OF $33.00 AND 5 DAYS IN JAIL WHICH WAS SUSPENDED.

Pled guilty

THE CHARGES MENTIONED ABOVE RESULTED FROM AN OVERSIGHT ON MY PART AND WAS NOT AN INTENTIONAL ACT MEANT TO DEFRAUD, DECEIVE OR TAKE WHAT WAS NOT MINE. OVER THE COURSE OF THE SUMMER OF 1999 I WAS 21 YEARS OLD AND EMPLOYED AS A MOVER FOR NATIONWIDE MOVING COMPANY, UNITED VAN LINES AS WAS TYPICAL FOR MY JOB I WAS ON THE ROAD 5-6 DAYS A WEEK. SO WHEN THE NSF CHECK NOTICE ARRIVED FROM MY BANK I DIDNT SEE IT. THAT WAS DUE IN PART TO THE STACK OF MAIL I GOT ONCE A WEEK AND AS LONG AS I COULD WITHDRAW MONEY FROM THE ATM I FELT I WAS OKAY, WHICH I KNOW NOW WAS VERY IRRESPONSIBLE.