November 15, 2008

Subject: Equity Indexed Annuity Oversight s7-14-08

To Whom it May Concern,

Please continue with your regulatory oversight of these high commission, and basically sham products. The target seniors who are attracted by "market participation with no-downside risk." I have some clients who have been sold these annuities and they have no idea how the product works.

Sincerely,
--
Jacqueline Thornhill