Subject: File No. S7-15-10
From: Joseph Conway
Affiliation: Diversified Investment Services

October 13, 2010

It is crucial to the small Mom and Pop investor that the 12b-1 structure stays as it is in order for them to get the attention they deserve. The continues compensation is vaital to their well being. Change the name, demand more transparancey if you wish, but to eliminate it or change it, would force the financial advisors out there to chare a whole lot more on a fee basis if they were will ing to help the small client out at all. Thank you for your consideration.

Mr. Joseph Conway
Diversified Investment Services