Subject: File No. S7-15-10
From: Clay Chauviere

September 21, 2010

Why should I pay for the mutual fund company to advertise? Marketing is cost of doing business. Why change the rules to clarify the understanding of the 12b-1 fees? The SEC should stop all 21b-1 fees. I think the 12b-1 fee is a rip-off to the investors.