CLAIMANTS ALLEGE THEY WERE RECOMMENDED UNSUITABLE INVESTMENTS.

$20,000.00

CLIENT ALLEGES THAT REP SIGNED HIS NAME ON ALLIANZ RMD FORM.

AS OF 03/19/2014 THIS COMPLAINT IS NO LONGER REPORTABLE AND SHOULD BE ARCHIVED. THE CORRESPONDENCE RECEIVED FROM THE CLIENT WAS A MISUNDERSTANDING AND WAS ADMITTEDLY WRITTEN BY [CUSTOMER] WITH SARCASM AND JEST. [CUSTOMER] ISSUED A RETRACTION EMAIL STATING HE DID NOT BELIEVE THERE WAS ANY WRONGDOING BY MR. ENDERS AND FURTHER STATED THAT HE REGRETS THAT HE HAS CAUSED MR. ENDERS AN UNDUE COMPLIANCE ACTION.

CLIENT ALLEGES MISREPRESENTATION OF PRODUCT FEATURES IN THE SALE OF A JACKSON NATIONAL LIFE VARIABLE ANNUITY THAT WAS PURCHASED IN DECEMBER 2007.

$100,000.00

WITHOUT ADMITTING ANY WRONGDOING OR LIABILTY, THE FIRM ENTERED INTO A SETTLEMENT AGREEMENT WITH THE CLIENT FOR $100,000 IN EXCHANGE FOR A RELEASE OF ALL CLAIMS. THE SETTLEMENT WAS MADE SOLELY FOR BUSINESS REASONS AND TO AVOID A LENGTHY AND COSTLY LEGAL PROCEEDING. THE MATTER WAS FIRST REPORTED ON THE REP'S U-4 BECAUSE AT THAT TIME HE WAS REGISTERED WITH THE FIRM. THE REP'S REGISTRATION WAS VOLUNTARILY TERMINATED ON 12/23/2008, SO THE FIRM IS FILING THIS U-5 TO CLOSE OUT THIS MATTER THAT WAS FIRST REPORTED ON HIS U-4.

REGARDING THE 1994 PURCHASE OF A VARIABLE APPRECIABLE LIFE INSURANCE POLICIES, THE CLIENTS ALLEGED MISREPRESENTATION. THE CLIENTS STATED THEY WERE TOLD THAT THE POLICIES WERE GUARANTEED TO NEVER INCREASE IN THE FUTURE. THE CIENTS ALLEGED FAILURE TO DISCLOSE THE RISK INVOLVED AND FURTHER STATE THAT THEY WERE TOLD, AFTER 10 YRS THE CAS VALUE WOULD BE AVAILABLE TO THEM WHENEVER NEEDED.

$8,277.77

$4,393.99

REPRESENTATIVE SIGNED THIS STATEMENT UNDER PROTEST DUE TO THE FAX THAT THE CLIAMANTS WERE NEVER THE REPRESENTATIVES CLIENTS, NOR WAS THE REPRESENTATIVE THE ORIGINAL WRITING AGENT.

CLIENT ALLEGED THAT HE PURCHASED A POLICY FROM SOUTHLAND LIFE AND THAT HE REPLACED A POLICY FROM PRUDENTIAL. HE CLAIMS THAT THE CASH VALUE OF THE NEW POLICY WAS LOWER THAN THE OLD POLICY. THE COMPANY'S GOOD FAITH DETERMINATION OF THE APPROXIMATE AMOUNT OF COMPENSATORY DAMAGES OF $5,977.13.

$5,977.13

$15,000.00

CLIENT REFUND. NO ALLEGATIONS AGAINST AGENT FROM PRUDENTIAL. THE COMPANY'S GOOD FAITH DETERMINATION OF APPROXIMATELY AMOUNT OF COMPENSATORY DAMAGES OF $5,977.13. [CUSTOMER] WAS AWARE OF ALL OF THE DETAILS OF HIS NEW POLICY. IT WAS SHOWN IN ILLUSTRATION AND ALSO RECEIVED MANY STATEMENTS. I DO NOT BELIEVE HE WAS JUSTIFIED IN RECENTLY HIS MONEY BACK.