Ken Lewis, CEO                                                                                                                    Bank of America Corporate Center                                                                             

100 TryonStreet
                                                                                                                                       Charlotte. NC 282202-4000

At last weeks Senate oversight hearing you said, "I get it, and I'll make sure Bank of America get's it!" Mr. Lewis, I am not sure that you really do "get it." In fact, I don't believe the hypocrites that grilled you and the other CEO's adjacent to you at the hearing really "get it." But, I'll tell you what; the American people "get it" and of that you can be sure.
 
Since America's banks have been able to stretch their immense reach across state lines they have learned how to disrespect those who made them so big and profitable to begin with; they are the people who by yours and all the other "so called" American banks continually abuse by charging outrageous interest rates (once considered loan shark rates), fees for using ATM's, and your bank Sir, actually refused to cash a check written on your bank unless I paid a fee for a service that no other bank would ever consider as an option. It was that abusive and personal insult that has engrained in me a total lack of respect for your bank and since you seat as CEO, any respect I held for you had disintegrated at that very moment. And now Mr. Lewis you sit before Senate and Congressional reps and seek help from the American people. How much crow must you be eating?
 
I may not be as wealthy as you but I can say without exception, I sleep much better in my mediocre existence than do you in your wealth. If I had the power I would, before giving or lending my tax dollars to Bank of America demand your resignation. Aren't you fortunate that those self-serving mental midgets that are regretfully trusted with the task of deciding the future of America's banking system are not me and others who live on Main Street? Moreover Mr. Lewis, I've as much faith in them as I do you. Having said that, I am going to tell you what will restore America's confidence in the collapsing banking system of which, decades ago, was an example of good business globally.
 
STOP RAPING THE AMERICAN PEOPLE - STOP GIVING CHECKING ACCOUNTS AND CREDIT CARDS TO ELLIGAL ALIENS - REMOVE ATM CHARGES - LOWER CREDIT CARD INTEREST RATES - RE-INSTITUTE GRACE PERIODS FOR LOAN AND CREDIT CARD PAYMENTS - INTEGRATE COMPUTER CONTROLS THAT WILL NOT PERMIT CREDIT CARD HOLDERS TO EXCEED CREDIT LIMITS THEREBY DOING AWAY WITH NEED FOR OVER LIMIT FEES - STOP OUTSOURCING CUSTOMER SERVICE JOBS - AND MORE... MR. LEWIS, IT'S TIME TO EARN THE HELP YOU SEEK.
 
I am not fooled nor are the American people. We have witnessed the gradual denigration of corporate integrity going on 20 or 30 years. This infection is spreading so rapidly that America's college grads are entering the corporate world believing "it's okay as long as I don't get caught." You Mr. Lewis are part of this viral anomaly.
 
Having released my anger at all who seat CEO status through you, I offer generously my advice that, even coming from a senior whose life was and is happily spent on Main Street, is sure to help America regain some modicum of trust and confidence in corporate America and as a bonus; you may sleep just a bit better than now. Remember, what goes around comes around. It is time to stop that vicious cycle and only you and others within your world of influence can do so.
 
Perhaps Mr. Lewis, such changes will not benefit me; certainly they will benefit my children, their children and so on as well as all who come after I am a mere memory. You can emerge as a kind of 'future savior." Yours is among the most influential CEO strongholds in the corporate environment. You may use it wisely or as in the past, selfishly.
 
I leave that decision with you to tussle.
 
I believe compassion is stronger the greed; that it is better to give (back) than to receive. How bout' you?
 
I'll pray for you; your gonna need it!