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.

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.

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.