Subject: File No. S7-06-04
From: John D Fuller

April 2, 2005

I urge you to extend the comment period on the above referenced item by AT LEAST 30 days. I was not made aware of this item until after March 7, 2005. I have not had an opportunity to thoroughly review the proposal.

With more than 15 years of experience in the business of delivery financial services to individuals, I believe my comments may be useful to you.

John D. Fuller