commercial mortgages; and construction loans. Its deposit products consist of demand, savings, interest-bearing demand, money market, and time accounts. The company also provides trust and investment management, treasury management, brokerage, leasing, factoring, and item processing services to small, middle market, and larger corporate businesses; private banking individuals; and retail consumers. In addition, ABI offers an array of fee income products, including customized cash management services; investment and capital market products and services; trust and private banking services; accounts receivable financing; letters of credit; and merchant card services. Further, it purchases mortgage servicing rights; promotes residential and commercial construction financing to builders and developers; and acts as a broker in the origination of multifamily and commercial real estate loans. It operates 75 branches in the Houston and Dallas metropolitan areas.