Subject: File No. 4-645
From: Todd Genger

February 29, 2012

As financial products and services become more and more complex, financial institutions and non-profit organizations can play an important role in improving investor literacy and proficiency.

A basic understanding of stocks, bonds, mutual funds, insurance, budgeting, credit and debt management, retirement, and college savings are integral to financial literacy and greater financial independence.

Online video and web-based tools are uniquely situated to cost-effectively deliver such education services to Americans from coast to coast.