Subject: File No. 4-606
From: Frank Kolovic
Affiliation: NAIFA, AHIA, Westchester County Bar Association.

July 30, 2010

I am in opposition to the SEC imposing their authority to impose a misguided fiduciary standard on me, my family and my industry. File 4-606

I hope that you will hear what your agents in the field are saying and vote in our favor and not against us.

Thank You

Frank Kolovic
Bronx NY