MUTUAL TRUST COMPANY OF AMERICA SECURITIES

Mr. Bandes is the principal of Mutual Trust Co. Of America Securities and is a life long resident of the Tampa Bay area.  He is a:

• Graduate of Florida State University with a degree in Finance
• Certified Financial PlannerTM
• Charter Financial Consultant (ChFC)
• Charter Life Underwriter(CLU)
• General Securities Principal
• Registered Options Principal
• General Securities Representative
• Municipal Securities Principal
• Operations Professional
• Investment Banking Representative
• Introducing BD/Financial Operations Principal
• Registered Investment Advisor

In addition to Mr. Bandes extensive credentials, he also has broad industry experience. He has served on the FINRA Board of Governors and also the FINRA District Business Conduct Committee.

Mr. Bandes has completed extensive training in financial planning, investments, taxes, insurance, and estate and retirement planning. Additionally, as a Certified Financial PlannerTm, ChFC, and CLU professional he has been required to complete continuing education programs and ethics classes to maintain his certification status.

Mr. Bandes is well known in the financial services industry and has been quoted in or written about in the following publications including:

• The Wall Street Journal
• Tampa Bay Business Journal
• Investment News
• Business Headlines
• Articlesbase
• Businesswire
• Reuters
• Wealth Management
• HighBeam Research
• Compliance-Insights
• The Evening Independent