Subject: File No.
From: Jonathan W. Ramsey, CLU
Affiliation: Northwestern Mutual Investment Services

October 27, 2010

Dear folks,

Your intention to allow broker dealers to set their own fees for service is going to create chaos in the marketplace. Uniform 12b-1 fees have been working well to this point. Lowering these fees through competition would only disincent folks like myself from extending service to anyone other than very wealthy clients. Please leave the 12b-1 fees as they are.


Jonathan W. Ramsey, CLU
Northwestern Mutual Investment Services