Subject: File Number S7-33-10: Whistleblower Award Program

December 8, 2010

Dear Ms. Murphy

I just signed a petition saying:

"More whistleblowing about corporate crimes could have made the foreclosure crisis and economic meltdown less severe. Whistleblowers should never be forced or engouraged to take their concerns to their potentially corrupt bosses first: Those who go directly to the government deserve the strongest rewards and protections allowed by law."

As being a former Bank of America customer I can honestly say that many people should take due notice of this petition and spread it out to as many people as possible. B of A has the most hidden fees of any banking institution in America. Those hidden fees add up over time to some major dollars. I added up my finances over a 10 year period and B of A has charged me $35 overdraft 19 times! But this isn't just for Bank of America, This is for all banking in America.

Laurence Dyson
Spring Lake, NC