Subject: File No. 4-606
From: Cindy A Gettel

August 24, 2010

The misguided fiduciary standard that is being discussed should be put to rest. The securites industry already is acting in the best interest of their clients. Current suitability standards are heavily enfoced and do provide investors with a high degree of protection. The added fiduciary standards that are being discussed would add more volumes of paperwork and not show any more protection that what is currently being done. The aded costs would be prohibitive to our clients. The current compliance and testing that is required of registered representatives is more than sufficient to provide investors with protection.