Global Consumer & Small Business Banking (GCSBB) serves approximately 53 million consumer households in addition to mass-market small businesses in cities and towns across America. Seventy-six percent of U.S. residents live in Bank of America's retail franchise, which covers 30 states and the District of Columbia. In addition, three-quarters of the nation's mass-market small businesses — home-based enterprises, sole proprietorships and smaller manufacturing and distribution firms — operate in the communities served by Bank of America. These consumers, entrepreneurs and businesses can easily access all of our services through more than 5,700 banking centers, 17,000-plus ATMs and the nation's leading online banking and bill-pay service, supported by a world-class telephone banking team.

Bank of America is the leading provider of checking, savings, credit and debit cards and home equity lending, with a leading Merchant Services business and a mortgage business with growing market share. Since our businesses are tightly integrated, we can adapt all of our services to meet the needs of consumers and businesses of any size and complexity. The Small Business Banking organization, for example, is responsible for all products, distribution and marketing related to our innovative capital, credit, deposit and payment services. A leading credit card operation allows ready access to capital and credit; Online Banking is responsible for Easy Online Payroll, as well as our payment and invoicing services; banking centers provide cash, night drops, merchant tellers and, in many locations, small business specialists.

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