Subject: File No. S7-08-15

January 10, 2016

I am writing in reference to file # S7-08-15 concerning your proposed regulations governing mutual funds ( Rule 30e-3). This regulation would make electronic delivery the default option for receiving information regarding investment funds. This would replace the current default of receiving paper forms.

The process to "opt in" for paper delivery is inconvenient. I'm also concerned about e-mail security as well as potential phishing schemes from fraudulent investment companies. Keeping the default option to receive paper information is preferable.

Thank you.

Lorraine Kogler