November 13, 2008

Subject: File No. S7-14-08

It is my desire that both state insurance commissioners and the SEC be allowed to provide oversight of indexed annuity sales.

The highest compliment we can receive is an introduction to a valued friend, family member or business associate. Thank you for your business, and your confidence in us.

David D Beck, CFP ®
First Vice President - Investment Officer
Wachovia Securities, LLC
Wachovia Securities, LLC - Member NYSE and SIPC

Ginny West
Financial Advisor

Gary M Esch
Senior Registered Client Associate