Bank of America is a banking and financial services company that offers banking, investing, and other financial and risk management products and services. It operates in four segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking segment offers diverse accounts, lending and mortgages, credit and debit cards, and other products. The GWIM segment provides investment management, brokerage, banking, and trust and retirement products as well as wealth and specialty asset management services. The Global Banking segment delivers lending, treasury, working capital management solutions, debt and equity, and advisory services. The Global Markets segment offers market-making, financing, securities clearing, settlement, and custody services as well as risk management, foreign exchange, fixed-income, and mortgage-related products.