Subject: File No. 4-692
From: David Kinsfather

August 5, 2017

I live in a city where the average home is over million dollars.
We live in an age were work sponsored pensions are almost non-existent and 401k plans are pathetic. In 2017, it is a necessity to be able to make ones own financial decisions and investments.

If I can go out and borrow a million or more (happy to provide proof) to buy a house with all the risk that involves, the current rules for "Accredited Investor" seem very arbitrary. They constantly prevent me from making all sorts of investments. It is time to revise these rules for "Accredited Investor".

David Kinsfather