Subject: File No.4-538

July 11, 2007

Dear Ms. Morris,

Reference 12B-1 fees File#4-538

My clients want and expect service often the time involved can be lengthy. We need to be compensated so we are able to give time to service the telephone calls we receive. I am perfectly comfortable with my cliental knowing I get compensated for my work and service and the I receive a 12 B-1 fee; As it;s only fair. Otherwise, we would have to charge a fee.

Thank you for your consideration to allow 12 B-1 fees

Kent E. Schiner,CLU,ChFC,CLTC
Chartered Life Underwriter
Chartered Financial Consultant
Certified Long Term Care