Subject: File No. S7-08-15
From: Kenneth Bernstein

December 7, 2015

Please do not pass SEC Rule 30e-3. It will disenfranchise millions of Americans who do not have access to high speed internet connections or who do not have the ability to use online systems. Paper statements have been a proven method of communications. If an individual no longer wishes to receive paper statements they should have the opportunity to chose digital. However, individuals who stop receiving paper statements may not even be have the online access to continue their paper statements. I once again strongly urge the SEC to continue to have paper statements be the default method of communications.