Subject: File No. 4-606
From: Donna K Reilley
Affiliation: Sr. Financial Planner with Metlife, CLU, ChFC,LUTCF

August 6, 2010

After 20 years experience in the industry, I have seen stacks of required forms come and go. The financial advisor is supervised but the supervisors aren't trained and required to prove their attentions. Recent fraudulent activities were reported by other advisors but no one did their due diligence.