FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018059595101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Kari M. Bracy, Respondent Investment Company Variable Contracts Representative CRD No. 5656186 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Kari M. Bracy ("Bracy" 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.

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2014041541403 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Howard Davis, Respondent General Securities Principal CRD No. 1782118 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Howard Davis 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. 2014041541402 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Craig M. Gould, Respondent General Securities Principal CRD No. 2367293 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent, Craig M. Gould 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. 2019064596401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Charles Jonathan Evan, Respondent Former Registered Representative CRD No. 836083 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Charles Jonathan Evan 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

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018057416501 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Julian E. Munoz, Respondent General Securities Representative CRD No. 4773991 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Julian E. Munoz ("Munoz" 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.