BB&T Corporation operates as a financial holding company for Branch Banking and Trust Company that provides various banking and trust services for retail and commercial clients. The company’s deposit products include noninterest-bearing checking accounts, interest-bearing checking accounts, savings accounts, money market deposit accounts, certificates of deposit, and individual retirement accounts. Its loan products comprise commercial, financial, and agricultural loans; real estate construction and land development loans; real estate mortgage loans; and consumer loans. The company, through its other subsidiaries, provides automobile lending, bankcard lending, consumer finance, home equity and mortgage lending, insurance, investment brokerage services, mobile/online banking services, payment solutions, sales finance, small business lending, and wealth management/private banking services to retail customers. It also offers asset management, association services, capital markets services, commercial finance, commercial middle market lending, commercial mortgage lending, institutional trust services, insurance premium finance, international banking services, leasing, merchant services, mortgage warehouse lending, real estate lending, supply chain management, and venture capital services to commercial customers. In addition, the company provides retail brokerage, equity and debt underwriting, investment advice, corporate finance, and equity research; and facilitates the origination, trade, and distribution of fixed-income securities and equity products. As of December 31, 2011, it operated 1,779 branch offices in North Carolina, South Carolina, Virginia, Maryland, Georgia, West Virginia, Tennessee, Kentucky, Alabama, Florida, Texas, Indiana, and Washington, D.C. The company serves small and mid-size businesses, public agencies, local governments, and individuals. BB&T Corporation was founded in 1872 and is headquartered in Winston-Salem, North Carolina.