From: Melinda D. Brewer
Sent: June 13, 2007
Subject: Comment on the 12b-1

To whom it may concern:

I have been a Financial Advisor for 12 years. When it comes to 12b-1 fees, I have explained them to clients as a on-going service fee. They understand this and are comforatable with how it works. It makes sense that I would receive a small fee for managing their investments. If the SEC is wanting to make changes or look to see what should be done with 12b-1 fees, it should be to make sure the client understands the purpose is for servicing the funds while they own them.

Thank you,

Melinda D. Brewer
Second Vice President-Wealth Management
Financial Advisor
Financial Planning Specialist