November 13, 2008

Subject: Equity-Index Annuity Rule s7-14-08

Dear Sirs:

I am in favor of the equity index annuity rule. As a personal fee-only financial planner I have seen, in every case of these annuities being sold, sales abuses regarding suitability and liquidity needs. Why should one small group be allowed to sell stock market exposure products without the education and regulation of everyone else in the market place. Act for the consumer and uphold the equity index annuity rule.

Thank you so much!

Martin Kurtz, CFP®