Talbot Heber Lloyd (CRD #2552848, Registered Representative, Draper, Utah) submitted a Letter of Acceptance, Waiver, and Consent in which he was fined $50,000, including disgorgement of his financial benefit of $45,000, and suspended from association with any NASD member in any capacity for six months. Without admitting or denying the allegations, Lloyd consented to the described sanctions and to the entry of findings that he engaged in outside business activities without first providing written notice to the member firms with which he was associated. Lloyd's suspension begins May 16, 2005, and will conclude November 15, 2005. (NASD Case #C3A050016)

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