Subject: File No. S7-14-08
From: AMANDA W. GLOVER

October 16, 2008

I am a registered rep. If agents with a life licensed are allowed to sell index annuities, then I believe that broker dealers should not run the commissions of a reg. rep thru their grid. It is not fair that a life licensed agent gets full commission while a securities licensed rep. has to split theirs with their broker dealer.

Amanda Glover