Robert Payne Crider (CRD #3237093, Registered Representative, San Antonio, Texas) submitted an Offer of Settlement in which he was fined $15,000 and suspended from association with any NASD member in any capacity for one year. The fine must be paid before Crider reassociates with any NASD member following the suspension or before requesting relief from any statutory disqualification. Without admitting or denying the allegations, Crider consented to the described sanctions and to the entry of findings that he recommended and effected securities transactions in the account of a public customer without having a reasonable basis for believing the transactions were suitable based upon customer's investment objectives, financial situation, and needs. Crider's suspension began May 16, 2005, and will conclude at the close of business May 15, 2006. (NASD Case #C06050003)

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