Subject: File No. S7-14-08
From: SUSAN B WILLIAMS
Affiliation: FINANCIAL ADVISOR, EDWARD JONES INVESTMENTS

October 21, 2008

ANYONE SELLING INDEXED ANNUITIES SHOULD BE LICENSED AS FINANCIAL ADVISORS ARE REQUIRED TO BE LICENSED . . .

I have experienced the problems that un-suspecting clients have had with these types of products. How badly these products have been represented to the clients at selling-time and how unaware the clients are at what they are buying. . . How hard these are to get out of once clients realize what type of product the have bought -

THANK YOU FOR YOU TIME, SUSAN B WILLIAMS