Subject: File No. S7-08-15

August 3, 2015

To Whom it may concern,

I would like to take this time to express my concerns of matter.

Rule 30e-3 would impede access for many investors, especially the elderly, those with disabilities, and minority Americans – all demographics that are less likely to have regular Internet access. For example, 41 percent of Americans over 65 years of age do not use the Internet, yet, according to the Investment Company Fact Book, 34 percent of this population owns mutual funds.2, 3

I have several members of my family with investments and no access or do they want to learn to use the internet. This affects them gravely.

Me personally I like receiving updates in the mail because I don’t use the computer outside of work.

Fred A. Tardy
Capsule, Coating & New Product Development