Subject: File No.
From: Roman Lopatynski
Affiliation: Investment Advisor Representative, ING Financial Partners

November 3, 2010

The proposed new rule regarding 12b-1 fees and related commission/fee structures would be a great disservice to the average investor because it would encourage him to base advisory decisions on price rather than service. Because of this reality, broker/dealers would be forced to reduce services to reduce costs to be able to compete in the investment environment.