BB&T Corporation operates as a financial holding company that provides various banking and trust services for retail and commercial clients. It operates in six segments: Community Banking, Residential Mortgage Banking, Dealer Financial Services, Specialized Lending, Insurance Services, and Financial Services. 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 portfolio comprises commercial, financial and agricultural, real estate construction and land development, real estate mortgage, and consumer loans. The company also provides automobile lending, bankcard lending, consumer finance, home equity and mortgage lending, insurance, investment brokerage services, mobile/online banking, payment solutions, sales finance, small business lending, and wealth management/private banking services to retail customers. In addition, it offers commercial services, such as asset management, association, capital markets, institutional trust, insurance premium finance, international banking, leasing, merchant, mortgage warehouse lending, payment, private equity investments, real estate lending, supply chain management services. Further, the company provides retail brokerage, equity and debt underwriting, investment advice, corporate finance, and equity research, as well as facilitates the origination, trading, and distribution of fixed-income securities and equity products. As of February 2, 2015, it operated approximately 1,839 financial centers in 12 states and Washington, D.C. BB&T Corporation was founded in 1872 and is headquartered in Winston-Salem, North Carolina.