Our Hispanic customers told us that they wanted lower transfer fees, money to be paid in cash over the counter in Mexico, and a broader distribution network convenient to their family and friends.

Our customers have told us they're not saving the way they wish they were. We designed a very simple way to do it with what they do every day.

Americans know they need to save for a rainy day, but with the growing need to put away for retirement and unforeseen emergencies, they need a helping hand. Keep the Change is an easy way for consumers to save with everyday purchases. Bank of America is enabling Americans to save for a rainy day one penny at a time.

The response to Keep the Change has been tremendous. Customers like the program because it's a simple, convenient way to save. It's heartening to see so many people interested in savings -- and at Bank of America we make it easy.

Customers like it because it's so simple for them. It doesn't require customers to dramatically change their behavior.

We believe this commitment to education is a win-win. It helps students and parents pay for college, while strengthening our partnership with colleges and universities.