Subject: File No.
From: Thomas Kokinda

November 3, 2010

I have been a licensed insurance professional and registered rep for over fifteen years. A good deal of my time is spent managing funds for some of my small and middle class investors who, as a rule, have neither the time nor inclination to direct their own portfolios. Their only option at this time is reliance upon me. It is my belief that the SEC, in trying to protect this group of individuals, would leave them at the mercy of brokerage houses and higher fees. This is contrary to SEC's intent.

In closing, this is my primary reason for supporting the new SEC rule 12b-2.

Thank you for your consideration in this matter.