Subject: File No. S7-15-10
From: Dan Markwell
Affiliation: Trademark Insurance & Investments

October 13, 2010

Ms. Murphy,

I'm a registered rep. the small town of Morehead KY and I`m concerned about the potential loss of 12b-1 fees. If they go away or are reduced I will not be able to offer my services to small account holders that need my services as much as those with large accounts.

Please understand that the average account balance in small town America is quiet low and it is the 12b-1 compensation that enables me to sell and service small acount holders. The up front compensation is modest and I`m responable for a life time of service after the account is established.

If 12b-1 fees go away I will need to limit my practice to clients with larger account balances only.

Mr. Dan Markwell
Trademark Insurance & Investments