Subject: File No. 265-28
From: Timothy J Brenza
Affiliation: Landscape Architect

May 6, 2016

Please consider mandating simple "fee disclosure" information for mutual funds and financial instruments. It's hard even when I as my broker how much I am paying in fees for him to give me a clear and straight forward answer. It seems the financial institutions prefer it that way, but It's hard for the rest of us simpletons (non-financial professionals) to understand. Thank you for listening...

Timothy Brenza