there are no flexibility and…
there are no flexibility and appreciation for long-term loyalty that I have experienced as a customer of your bank for the past 20 over years. Over this time, it has been my consistent experience that the bank readily applies fees for late payments, annual charges, and other opportunities to bill customers, without demonstrating a corresponding understanding of a long-standing relationship. Unfortunately, I must state that I have never had a truly pleasant customer experience with your institution during these past two decades.