Subject: File No. S7-15-10
From: Marie Dunn

October 15, 2010

I don't want 12b-1 fees to be imposed. In part the fees contribute to a system of conflicting interests. Mutual funds should not be "sold" to investors by salesman who have a financial interest in selling the product. Instead they should be bought by investors from brokers whom have a fiduciary relationship to their client. As Upton Sinclair said, "It is difficult to get a man to understand something, when his salary depends upon his not understanding it"