FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018059630801 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Joe M. Allbright, Respondent Investment Company and Variable Contracts Products Representative CRD No. 3001630 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Joe M. Allbright submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.