Subject: File No. S7-08-15
From: Terry L Storms

August 10, 2015

Paper is a superior distribution method for important information. In a recent national survey, 88 percent of respondents said that they understand and can retain or use information better when they read print on paper, and when given a choice, 81 percent of respondents prefer to read print on paper. Please it the default for investors to receive paper based communications, NOT electronic e-mail communications.