Subject: File No. S7-08-15

July 28, 2015

As an investor I rely on shareholders reports and mutual fund descriptions as important tools and have come to rely on the mail for delivery of these items. Mail delivery is universally available, and it provides the broadest access to all recipients. Internet access and e-mail may be commonplace but they are not universal, and they offer poor replacements for the timely receipt of personal financial information through the mail. Significant portions of this country's population lack access to electronic services. Security is also an issue with electronic services as demonstrated by several large hacking cases in the past year. The mail should be the default option for information distribution.

John R. Dyce

Ohio State Association of Letter Carriers