Subject: File No.
From: Gregory H Massey
Affiliation: Western and Southern Financial Group

November 2, 2010

I have been an insurance agent since Feb. 09. I am in favor of SEC rule 12b-2. However, I strongly object to the SEC permitting mutual funds to issue a new class of shares at net asset value that would allow broker-dealers to set their own sales charges and commission amounts. Thank you. Greg H. Massey