FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2018059035702 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Christopher R. McMorrow (Respondent) Former Investment Company Products/Variable Contracts Products Representative CRD No. 4713155 Pursuant to FINRA Rule 9216, Respondent Christopher R. McMorrow submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.