Wilmington Trust Corporation is a Delaware corporation and a financial holding company under the Bank Holding Company Act. The Company provides a variety of deposit-taking, lending, fiduciary, trustee, financial planning, investment consulting, asset management, insurance, broker-dealer, and administrative services. The Company manages its company through three business lines: Regional Banking, Corporate Client Services, and Wealth Advisory Services. Each of these businesses targets specific types of clients, provides different kinds of services, and has a different geographic scope. The Regional Banking business serves clients in the mid-Atlantic region. The banking services, Company provides include: Commercial lending, including commercial real estate and land development loans and lines of credit, term loans, and demand loans for working capital and to finance accounts receivable, inventory, and equipment purchases. Consumer lending, including installment loans, residential mortgages, home improvement loans, direct and indirect automobile loans, credit cards, and secured and unsecured lines of credit. Deposit taking, including demand checking, certificate of deposit, negotiable order of withdrawal, money market, and various savings deposit services. The Corporate Client Services business serves institutional clients who seek, legal, tax, and creditor protections available in jurisdictions in the United States, the Caribbean, and Europe. Trustee and administrative services that support capital markets transactions. To establish and maintain legal residency (nexus) for special purpose entities. Independent trustees to hold or manage retirement plan assets. Investment and cash management services. The CCS business provides a variety of services, including: Indenture, successor, collateral, and liquidating trustee and administrative services that support corporate debt issuances, syndicated bank loans, reorganizations, debt restructurings, mergers, and bankruptcies. Owner and indenture trustee and specialized services that support asset-backed securitizations and financing structures for aircraft, power generating facilities, ships, and other types of capital equipment. Independent directors, corporate governance, and regulatory reporting services for special purpose entities. Trust and custody services for unbundled retirement plans. Fixed income investment and cash management services. The Wealth Advisory Services business serves individuals and families who want to Grow, preserve, and protect their wealth. Minimize taxes. Transfer wealth to future generations. Support charitable endeavors. Manage family and business affairs. These services include: Investment counseling, asset allocation, and asset management. Proprietary and third-party investment management that encompasses a full spectrum of investment styles and asset classes, including domestic and international equities, fixed income instruments, mutual funds, real estate investment trusts, private equity investments, and hedge funds. Strategies for taxable and tax-exempt cash portfolios. Fiduciary and trust services. Financial, estate, succession, and other planning services. Tax preparation, estate settlement, private banking, and insurance services. Broker-dealer services. Corporate governance, business management, bookkeeping, and other administrative services for family offices. Wilmington's competitors include other trust companies, full-service banks, deposit-taking institutions, mortgage lenders, credit card issuers, credit acceptance corporations, securities dealers, asset managers, investment advisors, mutual fund companies, insurance companies, and other financial institutions.