Subject: File No. S7-15-10
From: Connie S. Mosley LUTCF, FSS
Affiliation: SagePoint Financial, Inc.

October 27, 2010

Dears sirs,
I have been a licensed insurance an registered representative for more than 15 years. I support the new SEC rule 12-2, which will continue the 25 basis points fee to ensure investors received ongoing service and advice and the change of terms., However, I strongly object to the SEC permitting mutual funds to issue an new class of share at NAV that would allow broker-dealers to set their own sales charge and commission amounts.
It sounds good for competition but I believe it will be a the expense of needed advice for the middle class investor.
thank you for your support.
connie mosley