Subject: File No. S7-14-08
From: Robert Evans

September 8, 2008

To: The Honorable Chairman Cox

I've been a licensed agent in the state of Pennsylvania
for nearly 25 years. I firmly believe that fixed indexed
annuities are an integral part of retirement planning for
my clients as well as anybody who is at or near retirement
age. I currently have over 100 satisfied clients who have
purchased these products over the last ten years. These
products, in my opinion, are an insurance product and
should be regulated solely by the state insurance depart-
ment. The industry has made great strides over the last
several years on suitability compliance and will continue
to implement these procedures effectively and in the best
interest of the consumer. Therefore, I would ask you to
please do not adpot rule 151. Thank you.

Robert Evans - Agent
Greensburg, PA