Subject: File No. S7-14-08
From: Marc Molina

July 2, 2008

To whom it may concern:

I am an insurance agent. My stance is simple. Fixed Indexed Annuities are not securities. Our industry works well, is regulated well and is good for the consumer. The agents I know are good, honest and hard working. Constantly learning to improve service and recommendations to their clients.

Respectfully,

Marc Molina