Wells Fargo & Company, through its subsidiaries, provides retail, commercial, and corporate banking services principally in the United States. The company operates through three segments: Community Banking; Wholesale Banking; and Wealth, Brokerage, and Retirement. The Community Banking segment offers deposit products, including checking accounts, savings deposits, market rate accounts, individual retirement accounts, time deposits, and debit cards. Its loan products include lines of credit, equity lines and loans, equipment and transportation loans, education loans, residential mortgage loans, and credit cards. This segment also provides receivables and inventory financing, equipment leases, real estate financing, small business administration financing, venture capital financing, cash management, payroll services, retirement plans, and merchant payment processing services; consumer and real estate loans to individuals; and loans secured by autos, as well as purchases sales finance contracts from retail merchants. The Wholesale Banking segment provides commercial and corporate banking products and services, including commercial loans and lines of credit, letters of credit, asset-based lending, equipment leasing, mezzanine financing, high-yield debt, foreign exchange services, treasury management, investment management, institutional fixed-income sales, commodity and equity risk management, insurance, corporate trust fiduciary and agency services, and investment banking services. This segment also provides banking products for commercial real estate market, and mortgage brokerage services. The Wealth, Brokerage, and Retirement segment offers financial advisory, lending, fiduciary, and investment management services. As of December 31, 2009, Wells Fargo & Company provided its services through approximately 10,000 banking stores located in 39 states and the District of Columbia. The company was founded in 1929 and is headquartered in San Francisco, California.

The PNC Financial Services Group, Inc. operates as a diversified financial services company. It offers retail banking, corporate and institutional banking, asset management, and residential mortgage banking services. Its retail banking products and services comprise deposit, lending, brokerage, trust, investment management, and cash management services. The company also offers corporate and institutional banking products and services, including lending products, such as secured and unsecured loans, letters of credit and equipment leases; treasury management services comprising cash and investment management, receivables management, disbursement, funds transfer, information reporting, and global trade services; and capital markets-related services, such as foreign exchange, derivatives, loan syndications, mergers and acquisitions advisory and related services for mid-sized corporations, government, not-for-profit entities, and large corporations, as well as offers commercial loan servicing, real estate advisory, and technology solutions for the commercial real estate finance industry. In addition, it manages assets on behalf of institutional and individual investors through equity, fixed income, alternative and cash management separate accounts, and funds, as well as offers market risk management, financial markets advisory, and enterprise investment system services worldwide. Further, the company offers distressed assets, such as commercial residential development loans, cross-border leases, consumer brokered home equity loans, retail and non-prime mortgages, and residential construction loans. It primarily operates in Pennsylvania, Ohio, New Jersey, Michigan, Maryland, Illinois, Indiana, Kentucky, Florida, Missouri, Virginia, Delaware, Washington, D.C., and Wisconsin. As of December 31, 2009, the company operated 2,512 retail banking branches and 6,473 ATMs. The PNC Financial Services Group was founded in 1922 and is headquartered in Pittsburgh, Pennsylvania.