FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019061764801 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: J.W. Cole Financial, Inc., Respondent Member Firm CRD No. 124583 Pursuant to FINRA Rule 9216, Respondent J.W. Cole 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.

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019061870301 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Keith Holcomb (Respondent) Former Investment Company and Variable Contracts Products Representative CRD No. 6227200 In accordance with FINRA Rule 9216, Respondent Keith Holcomb submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.