Subject: File No. S7-08-15

January 10, 2016

Please accept my comments regarding S7-08-15. The Rule 30e-3 proposed changes in regulations governing mutual funds.

I object to any proposed change that would make electronic communications the main, or default, option for sharing information with investors. Standard mail or paper document delivery would only be available upon request (and probably subject to eventual phase-out altogether).

Paper mail delivery is available universally to all investors, regardless of income or location. Quality eletronic communications are less than 100% available. They are more susceptible to phishing and hacking schemes. I am one of the tens of millions of Americans whose personal files have been hacked electronically and I am increasingly wary of conducting any kind of financial or investment activity on-line.

Thank you for your consideratio.

Anthony Wagoner