FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018058940701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Owen Arthur May, Respondent General Securities Representative and General Securities Principal CRD No. 1404710 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Owen Arthur May 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. 2018057247101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Brian Douglas Engstrom, Respondent Former General Securities Representative and General Securities Sales Supervisor CRD No. 1838926 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Brian Douglas Engstrom 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. 2018060290901 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Albert Harkless, III, Respondent Investment Company and Variable Contracts Products Representative CRD No. 2782039 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Albert Harkless, III ("Harkless" or "Respondent") submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.