Subject: File No. S7-41-11
From: Ernest Seinfeld

February 16, 2012

The "Volcker Rule" is an excellent concept and should be in force as soon as possible. Had this rule have been in force before this crisis, it probably would never have occurred.
Ernest Seinfeld

PS. BBA, Baruch School of NYC University, magna cum laude, major: Finance and Investment, 3rd in class of 397, first in this major.