Subject: File No.4-538

July 9, 2007

I have been asked to comment on the alteration of 12b-1 fees payable to Registered Representatives servicing mutual fuind and variable fund products to clients. Without this element of my securities compensation I would be forced to rethink my involvement in the funds business. I enjoy selling and servicing clients who are in need of financial planning advice for retirement or wealth accumulation needs. However the thin margins available for this effort require a range of compensation from all source available. Already said, I request this compensation to continue. Sincerely, Al Lopez, CFP(R) CEBS CLU, Registered Representative.