From: Charles E. Bremer []
Sent: Wednesday, March 03, 2004 3:13 PM
Subject: proposed Mutual Fund Reform legislation (s7-09-04)

Dear Sirs and Madams,

I am wondering who will service the little guy? I service the Public School employees with their 403(b) plans. Prospectus are delivered on all sales, outlining a fees they are to be charged.

Without the 12 b-1 fees, I can't stay in business.

Charles Bremer, CFP MCRS
President, Financial Directors