Subject: File No. S7-14-08
From: Joelle D. Spear
Affiliation: Fidelity Charitable Services

November 13, 2008

Being in the business 10 years, I agree with this rule proposal. I have had countless interactions with clients who complain of bad salesman taking advantage of them. Please pass this rule, protect our senior citizens and neighbors from abusive sales practices.

Thank you,

Joelle D. Spear, CFP(r) | Fidelity Charitable Services(r)
Charitable Planning Associate