From: Stan Anderson
Sent: June 18, 2007
To: rule-comments@sec.gov
Subject: File No. 4-538

In my opinion the mutual fund customer should have the option to "Opt-Out" of share classes with 12b-1 fees into a "non-12b-1" shares class in the same fund family as a non-taxable exchange. The new share class could be "E" for Exempt from 12b-1 fees.

Stan Anderson, CFP
Financial Consultant
Financial Network Investment Corporation, member SIPC
301 E. Colorado Blvd., Suite 400
Pasadena, CA 91101