Subject: File No. S7-15-10
From: Robert Paul

October 13, 2010

Dear Ms. Murphy,

As a Certfied Financial Planner I work with hundreds of clients helping them mangage their ivnestment portfolios. Most of the money I have under management is allocated for retirement. Most of these funds are invested withing mutual funds. If there is any changes in the service fee 12 B1 fees it would greatly effect my ability to help my clients.

Please do not make any changes to the present law with regard to these service fees

Mr. Robert Paul
Robert S Paul