LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019061214401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: IBN Financial Services, Inc. (Respondent) Member Firm CRD No. 42360 Pursuant to FINRA Rule 9216, Respondent IBN Financial Services, Inc. submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.