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

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We anticipate the average customer can save between $150 to $200 a year through this service.

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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.

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Think of it as an electronic piggy bank. Everyday errands and chores now deliver added value for our customers and the response in the last few months has been tremendous.

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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.

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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.

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At Bank of America, we strive to help students achieve their dreams of a higher education. By paying the three percent origination fee on Stafford loans, students will now have more of their loan proceeds available for use towards their educational goals.

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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.

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