Subject: File No. 4-606
From: Debra Jans
Affiliation: NAIFA

August 13, 2010

This bill would be harmful to the financial services profession as well as to clients now in the future. Please reconsider this type of legislation.

In my particular practice since I am a captured agent, I look for the best possible suitable product for my client with in the products that are available to me to offer. If this passes, I will no longer be able to work as a captured agent offering excellent products services. I would have to become an independent broker looking for the best commissioned sale that fits the clients objective. Not an avenue I wish to travel.

Please reconsider this bill.