From: Arno Berry
Sent: February 10, 2006
To: rule-comments@sec.gov
Subject: File No. S7-06-04

To Whom It May Concern:

I serve as a securities principal. Part of my duties is to review new business applications/account transfers submitted by reps for approval.

It seems that virtually all broker/dealers have some form of Mutual Fund Disclosure document that clients must review and sign.
These disclosures cover the various share classes, fees, suitability aspects, and refer clients to review the fund prospectus.

In addition, the media continuously educates customers about mutual fund transactions.

It is my opinion that the proposed SEC point-of-sale rules detailed in File Number S7-06-04 are quite onerous and completely unnecessary. In consideration of our current regulatory environment, broker/dealers appear to be doing a very adequate job of providing mutual fund disclosures to customers.
Please note that the implementation of the proposed SEC point-of-sale rules detailed in File Number S7-06-04 would also be at an enormous cost.

I respectfully request that File Number S7-06-04 be vetoed.

Sincerely,

Arno Berry
Operations Manager
Zahorik Financial Services, Inc.
150 E. Colorado Blvd., Suite 100
Pasadena, CA 91105
Tel. (800) 266-0859 X 108
Tel. (626) 792-0835 X 108
Fax (626) 304-2878