Global Consumer & Small Business Banking (GCSBB) has about 59 million consumer and mass-market small business relationships across America. Eighty-one percent of U.S. residents live in Bank of America's retail franchise, which covers 32 states and the District of Columbia. In addition, four out of five of the nation's mass-market small businesses - home-based enterprises, sole proprietorships and smaller manufacturing and distribution firms - operate in communities served by Bank of America. These consumers, entrepreneurs and businesses can access products and services through more than 6,100 banking centers, more than 18,500 ATMs and the nation's leading online banking, online bill-pay and mobile banking services, as well as through a world-class sales force and call centers.

Bank of America is the leading provider of checking and savings accounts and credit and debit cards. It is a leading originator of direct-to-consumer mortgages and home equity loans and has a top merchant card processing service. Since the businesses are tightly integrated, services may be adapted to meet the needs of consumers and businesses of any size. The Small Business Banking organization 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; the Online Banking division is responsible for Online Business Suite, including Easy Online Payroll™ and thousands of banking centers provide cash, night drops, merchant tellers and, in many locations, small business specialists.

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