Subject: S-7-15-10 Proposed 12b-1 Rule Changes

October 28, 2010

In regard to the proposal to cap trail commissions it is the opinion of this writer that it is a good recommendation in view of my experience that often a client does not know the rep and has not had any contact from the rep after the sale of a 403(b) product.

Dwight Roark
Compliance Advisor
Lincoln Investment Planning, Inc.
Registered Investment Advisor, Broker/Dealer, Member FINRA & SIPC