Management SPHINX FINANCIAL GROUP BIOS Frank J. Smith Frank J. Smith is President and Chief Executive Officer of Sphinx Financial Group. His vast experience in the financial services industry covers 35 years of service. He has held senior management positions in major firms in the industry and his experience includes marketing, finance and investment management. Mr. Smith is an investment advisor representative of Cetera Advisor Networks LLC and a frequent speaker at trade meetings and professional conferences, and has conducted numerous seminars throughout the United States. He has also provided management consultant services on an international basis in business strategic planning; business valuation, merger and acquisition; and money management. Mr. Smith is a graduate of Hampton University, Hampton, Virginia and the American University, Washington, D.C., where he earned his B.S. and M.B.A., respectively. He holds licenses in Life, Health and Annuities and FINRA series 7, 63, and 65 registrations. Monica T. Smith Monica T. Smith is a graduate of Skidmore College, Saratoga Springs, New York, and Regent University, Virginia Beach, Virginia where she earned a B.S. and an M.A. respectively. She is a credentialed life coach and commissioned Stephen Minister. Ms. Smith worked for 27 years with several renowned retailers including Talbots, Nordstrom and Neiman Marcus, along with several couture designers as a personal shopper, image consultant, manager and special events coordinator. Ms. Smith has also worked in the Property Casualty insurance industry for the Travelers Insurance Companies and AIG, and is an Account Executive with Sphinx Financial Group. Ms. Smith holds licenses in Health, Life and Fixed Annuities.