On march 30, 2009, I received a letter stating that "due to rah, rah, rah, rah, rah-we are closing your Lowe's Consumer account. I don't owe a dime on this card. I have always paid any amounts due on time-I.E. my credit report stated repeatedly" pays on time, never late" all the way down the page. Now, I look at the stock exchange where Citibank stock is stuck around $1.35 per share. Who has the better credit report? My wages have fallen somewhat due to the nature of my business but I'm not a company who's stock has become a "penny" stock, not worth the paper its written on. I am extremely outraged that you would cut out a customer who should be viewed as an asset because he pays his bills. I admit times have gotten tough lately but everyone is feeling the pinch. I want you to realize something else-when the economy revives, and it will, I will never, ever use a Citibank account of any kind. And thank you for opening my eyes to the greed and averice that companies like yours thrive on. I hope your stock goes further in the tank and your company folds-NO MORE BAIL-OUTS FOR CITIBANK!

SINCERELY UP YOURS,

TOM CARLTON

CC:CLEVELAND DAILY BANNER
NEW YORK TIMES
SENATOR BOB CORKER
CONGRESSMAN ZACK WAMP