Subject: Comments for File Number S7-12-11

May 26, 2011

Iím writing because my husband and I are in our 70's and we lost over one third of our savings in the "melt down" of 2008. We have not recovered like those insiders in Wall Street because we did not buy back the shares we sold in 2008.

We cannot trust Wall Street but because our savings are in IRA's we can't pull all our remaining savings out at once because of the tax consequences..

From what we are reading and hearing Wall Street is actually worse now than it was before the crash. Goldman Sachs is bigger and has access to Federal Funds which are not available to other community banks.

We use and believe in Credit Unions and they're getting squeezed by charges for ATM transactions .which are controlled by these large banks.

They are too large. They are too powerful. We are puppets to those with money and power. There is no such things as a trickle down economy here.

We want to see shareholders have more control over the management pay.

Thank you for considering my comment.

Mary & Tom Loren Manassas, VA

Mary & Tom Loren

Manassas, VA