From: J. Herbert Scheer
Sent: July 9, 2007
Subject: File No. 4-538

I am in complete support of the NAIFA position to continue the payment of 12b-1 fees and to reform the disclosure of those fees.

In order to encourage service of existing Mutual Fund accounts and to assure that the sale of Mutual funds continues and thrives, it is necessary to continue payment of these fees to the Registered Representatives who sell and service Mutual Funds

J. Herbert Scheer

Registered Rep----MMLISI