A molecular surrogate representation of secondary organic aerosol (SOA) formation is used to investigate the effect of aqueous-phase (in clouds and particles) chemical processing and wet deposition on SOA atmospheric concentrations. To that end, the hydrophilic/hydrophobic organic (H(2)O) model was augmented to account for several gas/aqueous-phase equilibria and aqueous-phase processes, including the formation of oxalic, glyoxilic and pyruvic acids, the oxidation of methyl vinyl ketone (MVK) and methacrolein (MACR), the formation of tetrols and organosulfates from epoxydiols (IEPOX), and further oxidation of water-soluble SOA (aging). Among those processes, SOA chemical aging and IEPOX reactions led to the most significant increases (up to 1 μg m(-3) in some areas) in SOA concentrations in a one-month summer simulation over Europe. However, large uncertainties remain in the gas/aqueous-phase partitioning of oxalic acid, MVK, and MACR. Below-cloud scavenging of SOA precursor gases and of gas-phase SVOC was found to affect SOA concentrations by up to 20%, which suggests that it should be taken into account in air quality models.