FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019062873301 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: SagePoint Financial, Inc. Member Firm CRD No. 133763 Pursuant to FINRA Rule 9216, Respondent SagePoint Financial, Inc. submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below. This AWC is submitted on the condition that, if accepted,

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2020066704601 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Joseph Michael Fedorko (Respondent) General Securities Representative (GSR) CRD No. 2007317 Pursuant to FINRA Rule 9216, Respondent Joseph Fedorko submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below. This AWC is submitted on the