Sen. Barack Obama Speaks in La Crosse, Wisconsin

This last part is important, because it's been the most misunderstood and poorly communicated part of this plan. This is not a plan to just hand over $700 billion of your money to a few banks. If this is managed correctly, we will hopefully get most or all of our money back, or possibly even turn a profit on the government's investment -- every penny of which will go directly back to you, the investor.

The rescue plan now includes those four principles. It also includes a proposal I made yesterday morning to expand federal deposit insurance for families and small businesses across America who have invested their money in our banks. This will boost small businesses, make our banking system more secure, and help restore confidence by reassuring families that their money is safe.

Even with all these taxpayer protections, this plan is not perfect. Democrats and Republicans in Congress have legitimate concerns about it. I know many Americans share those concerns. But it is clear that this is what we must do right now to prevent a crisis from turning into a catastrophe. That's why I've been reaching out to leaders in both parties to do whatever I can to help pass this plan. That's why I'll be flying back to Washington today to cast my vote to safeguard the American economy. And to the Democrats and Republicans who have opposed this plan, I say -- step up to the plate and do what's right for the country, because the time to act is now.

I know many Americans are wondering what happens next. Passing this bill will not be the end of our work to strengthen our economy -- it's just the beginning of a long, hard road ahead. So let me tell you exactly how I'll move forward as President.

From the moment I take office, my top priority will be to do everything I can to make sure that your tax dollars are protected. I will demand a full review of this financial rescue plan to make sure that it is working for you. If you -- the American taxpayer -- are not getting your money back, then we will change how this program is being managed. If need be, we will send new legislation to Congress to make sure that taxpayers are protected in line with the principles that I have put forward. You should expect nothing less from Washington.

If we do have losses, I've proposed a Financial Stability Fee on the financial services industry so Wall Street foots the bill -- not the American taxpayer. And as I modernize the financial system to create new rules of the road to prevent another crisis, we will continue this fee to build up a reserve so that if this happens again, it will be the money contributed by banks that's put at risk.