From: Deborah D. Schmitt
Sent: July 12, 2007
To: rule-comments@sec.gov
Subject: File No. 4-538

I am a licensed sales person of insurance and mutual funds. I strongly supports the continued payment of fees under SEC Rule 12b-1. I further support the concept of clearer, more thorough disclosure of mutual fund fees and expenses to mutual fund investors, in order that investors can clearly understand both the amount and purpose of such fees and expenses. 12b-1 fees compensate me slightly for the time spent changing beneficiaries, setting up MRDs, provide general services on mutual fund accounts that some agent many years ago was paid to set up through the sales load.

Deborah D. Schmitt, CLTC,CSA,FIC
Financial Associate
Mid-Atlantic Region
Central Maryland Team

Registered representative for securities offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415-1665, 800-847-4836, a wholly owned subsidiary of Thrivent Financial for Lutherans. Member NASD. Member SIPC.