BB&T Corporation is a financial holding company with several banking subsidiaries. The Companys banking subsidiaries include Branch Banking and Trust Company, Branch Banking and Trust Company of South Carolina, Branch Banking and Trust Company of Virginia, Regional Acceptance Corporation, Scott & Stringfellow, Inc., MidAmerica Gift Certificate Company, Sheffield Financial LLC, Clemmons and BB&T Factors Corporation, High Point, North Carolina. The primary services offered by BB&Ts subsidiaries include small business lending, commercial middle-market lending, real estate lending, retail lending, home-equity lending, sales finance, mortgage lending, leasing, asset management, trust services, agency insurance, wholesale insurance brokerage and treasury services. Its primary market area consists of North and South Carolina, Virginia, Maryland, Georgia, eastern Tennessee, West Virginia, Kentucky, northern Florida and Washington, D.C.