Subject: File No. 265-25-05
From: Helen L Fowler

May 22, 2010

One of the more problematic elements of the investment process is the lack of cost transparency. The fees are either not clear, not fully evident, or at worst concealed. Therefore it is extremely difficult, if at all possible, to know how much money is being taken from your account each month. If you look this up in a dictionary, it is under the heading stealing or theft.
Doing business in this manner is considered unethical, improper and/or illegal in most businesses.