AMERICAN GENERAL SECURITIES INCORPORATED

Discharged

FORGERY

MY FORGERY WAS THAT I SIGNED A CLIENTS NAME TO A DISTRIBUTION REQUEST SOLEY FOR THE PURPOSES OF HELPING THE CLIENT EXPEDITE A LIQUIDATION AT HIS REQUEST TO HIS ADDRESS OF RECORD FOR DEBT RELIEF. THIS WAS NOT A CLIENT COMPLAINT. DURING AN INVESTIGATION HE RESPONDED THAT IT WAS NOT HIS SIGNATURE. THE CLIENT STATED TO THE FORMER BD THAT HE AND MICHAEL HAD DISCUSSED THE SITUATION AND THE CLIENT ACKNOWLEDGED THE REQUEST. THIS FORGERY WAS NOT MAILICIOUS OR FRADULENT. I WAS SOLEY TO HELP A CLIENT IN A DIFFICULT SITUATION.

STRATEGIC FINANCIAL CONCEPTS, LLC

Voluntary Resignation

POTENTIAL VIOLATION OF INVESTMENT-RELATED STATUTES, REGULATIONS, RULES, AND INDUSTRY STANDARDS OF CONDUCT

I WAS NOT "ALLOWED TO RESIGN" BUT RATHER RESIGNED ON MY OWN ACCORD AS CHIEF COMPLIANCE OFFICER, INVESTMENT ADVISER REPRESENTATIVE, AND FULL PARTNER OF STRATEGIC FINANCIAL CONCEPTS, LLC DUE TO THEIR QUESTIONABLE SALES PRACTICES. ALL PARTNERS OF THIS GROUP AND AGENTS WERE ALSO FULLY ASSOCIATED WITH AMERICAN GENERAL SECURITIES INC. AFTER A SHORT SEVEN MONTHS WITH SFC I REALIZED THAT I DID NOT WANT MYSELF NOR ANY OF MY CLIENTS ASSOCIATED WITH A FIRM THAT SOLD PRODUCTS AND CONDUCTED THEMSELVES IN THE MANNER THAT STRATEGIC FINANCIAL CONCEPTS, LLC DID AT THAT TIME.

POLICY OWNER CLAIMS THAT HIS POLICY LAPSED DUE TO NON TRANSFER OF PAYMENT AND THAT HIS SIGNATURE ON THE REINSTATEMENT APPLICATION WAS FORGED.

$20,000.00