Subject: File No. 265-28
From: Jeffrey Montesano

May 5, 2016

As a holder of an MBA and an investor for over 15 years, I feel very strongly that financial institutions should be forced to detail how much they have charged their clients directly on their monthly or quarterly statements. Anything less than this amounts to a system where consumers are in the dark, and will likely pay for it dearly in the long run.

Sincerely,
Jeffrey Montesano,
Austin, TX