Dear Mr. Ken Lewis, CEO of Bank of America:
I was happy to see the government ride to your rescue. As an account holder with your bank, an investor,and as a citizen, I need to remind you that this money was not intended to clean up your balance sheet, provide bonuses or for executive perks. NO! It is money that must be recycled into the community in the form of loans to serve as a catalyst to increase overall economic activity. It is a loan, not a gift to you and you need to return the favor by loaning it to others in your community. I’ll be watching. Please don’t act in a way that will force me to move my assets to another financial institution. As matter as fact, if you think JPM is as same as BAC, I will not move my assets. Instead, I will short JPM. 

Respectfully,
Bob Rosner