Subject: File No. S7-15-10
From: Carmen Noriega

October 13, 2010

The 12b-1 distribution fee does not make my account as a shareholder any stronger or weaker.
I do not feel that this assessment is instrumental in determining the performance of my fund and as such I ask that you review the continuation of this assessment to all shareholders.

Thank you for your time and consideration.

Carmen Noriega