Subject: File Number S7-15-10

October 25, 2010

Mr. Jacques Chartier
Chartier Insurance, Inc.

Ms. Murphy,
Ongoing client contact & review is what keeps balance and stability in the stock market place. The 12b1 fees pays for the registered representative to remain engaged. Please reconsider the elimination of this modest compensation to the representative. The investor will be grossly underserved when the process becomes burdensome and or non-compensated.