Subject: File No. 4-606
From: Charles W. Bowden, CLU, ChFC
Affiliation: NAIFA, FSP

July 30, 2010

-My Lisenses and registration include Life Insurance, Accident Health Resident New Jersey Non-Resident Ohio, Pennsylvania. FINRA Series 6, 26, 63 and Investment Advisor Representative

I am audited every three years by my Broker/Dealer. It is my contention that I am adequately supervised by my Broker/Dealer and the Self Regulatory authority currently in place. Over the years that I have been in practice, I have never received any client complaints or regulatory action.

Please do not layer any additions oversight between my ability to advise my client, as it will not materially affect the care and concern that I the give to my clients.