Subject: File No. 4-606
From: Harold C Faulkner, III

December 19, 2010

Dear Sirs and Madams,

I believe that anyone who labels themselves as a financial advisor has a fiduciary responsibility to put the interests of their clients first. If someone working for a financial services firm calls themselves a financial advisor, they should put the client interest ahead of the firms interest. If they are unable to do that, then they should not label themselves as a financial advisor. Thank you for listening to my comments.

Harold C. Faulkner, III