Subject: File No. S7-15-10
From: Jack Baker

October 13, 2010

Dear sirs,
Financial advisors provide much needed investment help to many people who, without our guidance and support, would suffer extreme lifetime hardship situations.

Many of us rely on 12b-1 fees to compensate us for the effort and expense to provide a long time service to our clients.

Please support the current 12b-1 fee structure to acknowledge the significant benefit we provide to the American people.


Mr Jack Baker