Subject: File No. S7-06-04
From: JERRY D THOMAS

February 16, 2004

I WOULD LIKE TO SEE AN ITEMIZED LIST OF ALL FEES,COSTS, ETC.

ANNUAL EXPENSE,12B-1,LOADSWHAT KINDS,TURNOVER RATE AND THEN A SUM OF CHARGES. ALSO A NUMBER AMOUNT ON 1000 FOR 1,3,5,10 YEARS. CAN ANYTHING BE DONE ABOUT SELLING ANNUITIES INSIDE TAX DEFERRED PLANS SUCH AS 403 B OR 457 B ACCOUNTS.

MY HOME ADDRESS IS
89 SANDUSKY RD
LAWRENCEBURG, TN

THANK YOU FOR TRYING TO CLEAN UP THIS INDUSTRY.
JERRY THOMAS