Subject: File No. 4-606
From: Lawrence J Fowler , Jr
Affiliation: Agent, Nationwide Financial

August 24, 2010

The Suitability Standards governing Broker-Dealers and Registered Representatives are already in place. They are already set up to protect consumers. Compliances costs are very high now, adding another layer will only add increased costs on to the client. Enforce the rules of Compliance, already in force and the Fiduciary Duty is not needed. I sell product according to my clients needs and take great care to make sure, those choices made by the client are Suitable, to their situation. Additional regulation will only end up costing consumers more time, and money in the long run. Please, stop imposing this Misguided Fiduciary Standard on Registered Representatives. Thank you.