We are responding to what consumers told us they want.
We've added features we think creates a package that's unmatched in the industry. We feel confident it's a huge win for consumers.
The first product the consumer needs is a checking account. Our model is based on establishing that, delivering great service and deepening the relationship over time.
Small business has been an area of success for us, but there is considerable remaining opportunity. I expect Frank's extensive experience and leadership skills will allow us to leverage this opportunity and strengthen our overall position in the market.