Subject: File No. S7-06-04
From: Albert L Lock, Jr., CLU,ChFC ,MSFS
Affiliation: CEO, Universal Financial Group, Inc. / Registered Principal , Mutual Service Corp.

April 1, 2005

I have just been made aware of SEC proposed rule, File # S7-06-04. This may have a serious effect on my business as a financial advisor and I need more time to review this proposal. I am asking for a 30 day extension. I understand that this proposal could limit the choices my clients have with me to invest for the future.We pride ourselves in being able to offer solutions to our clients with no strings attached. Thank You.
Larry Lock