Subject: File No. 4-606
From: Robert S Krim, CFP
Affiliation: Managing Partner of KML Associates, LLC

August 17, 2010

Any individual who provides investment advice should be required to adhere to fiduciary standards. It would be improper and unethical to give such advice when the advisor derives personal enrichment from the products suggested.
Investors deserve clear standards that put their interests
ahead of those who give them investment advice.