FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2019062350301 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Michael Anthony Tavel (Respondent) Former Investment Company and Variable Contracts Representative CRD No. 4862463 Pursuant to FINRA Rule 9216, Respondent Michael Anthony Tavel submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.

BEFORE THE NATIONAL ADJUDICATORY COUNCIL FINANCIAL INDUSTRY REGULATORY AUTHORITY In the Matter of Department of Enforcement, Complainant, vs. Robbi J. Jones Houston, TX, and Kipling Jones & Company., Ltd. Houston, TX, Respondents. DECISION Complaint No. 2015044782401 Dated: December 17, 2020 Respondent firm and its president filed materially inaccurate FOCUS reports and created inaccurate books and records. Respondent president