Lloyds Banking Group plc provides banking and financial services under the Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows brands to individual and business customers in the United Kingdom and internationally. The company operates through four segments: Retail, Commercial Banking, Consumer Finance, and Insurance. The Retail segment offers a range of financial service products, including current accounts, savings, and mortgages to wealth and small business customers; and distributes insurance products, and a range of long-term savings and investment products. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, and debt capital markets services, as well as private equity financing to various clients comprising small and medium-sized companies, mid-markets, corporates, and financial institutions. The Consumer Finance segment offers motor finance, credit cards, and unsecured personal loans with its European business to consumers and commercial customers. The Insurance segment provides long-term savings, and investment and money protection products, as well as home insurance, motor insurance, and life pension products. The company also provides personal and business loans. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.