FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2022073783401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: James Floyd Garraway Former Investment Company and Variable Contracts Products Representative CRD No. 7132872 Pursuant to FINRA Rule 9216, Respondent James Floyd Garraway submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.