Subject: File No. 4-606
From: Shawnae Case

August 30, 2010

In response to the proposal, I want to state that I oppose the proposal due to the suitability standards already in place are stingent enough for broker/dealers. The current regulations already provide appropriate safeguards.

The "fiduciary standards" will force many advisors out of the marketplace. We currently offer a valuable resource for middle-lower income markets.

The risk of lawsuits will increase costs to consumers.

Driving registered representatives to be fee-based will result in unbiased advice for the consumer.

We are currently able to serve a variety of consumers, in offering sound financial options without a fee. The consumer appreciates this service, due to the option to walk away for whatever reason, without a cost to them. It is the freedom of choice for the consumer that is important.