Subject: File No. 4-606
From: RUTH C CARTER
Affiliation: NIAFA, NTSAA, LUTCF, AMERICAN COLLEGE

August 24, 2010

-making a legal fiduciary to have greater ability than the broker/dealer suitability guidlines, would not be acceptable , since there is to many loop holes for a fiduciary position where as a broker/dealer firm is subject to FINRA guidelines. We therefore ask that serious consideration be given to this bill before any changes are inacted upon. Thank You.