Subject: File No. 4-606
From: Michael O. Babin, Sr.
Affiliation: Babin Financial Services Inc

July 2, 2013

Since reg reps do not act in a fiduciary capacity, they should come under tougher rules to measure up to RIA's and CFPs.

MIKE BABIN, CFP, ChFC, CLU, AEP,LUTCF.

BABIN FINANCIAL SERVICES INC