Subject: File No. S7-15-10
From: Ricardo Coroniti
Affiliation: Reg. Princ., Securities America, Inc.

October 14, 2010

This will result in all investors paying more thru increased advisor fees and commissions, which will increase more than the 25 basis points to accomodate the additional back office work needed to make these changes!

Ricardo Coroniti
Reg. Princ.
Securities America, Inc.