Subject: File No. S7-15-10
From: Donna C. Rettig, LUTCF
Affiliation: Financial Representative

October 27, 2010

I support renaming 12-b 1 fees as service fees. But disagree with allowing brokers to set their own fees for service. Clients receive in direct relation to the fees they are paying. Lower fees will hurt the consumer in service and rate of return.