HBOS plc, together with its subsidiaries, provides banking and other financial services in the United Kingdom and internationally. It operates through five divisions: Retail, Corporate, Insurance and Investment, International, and Treasury and Asset Management. The Retail division offers various personal and business banking products and services, including mortgages, savings, bank accounts, personal loans, and credit cards. It also provides a range of ancillary services, including estate agency, valuation, and share dealing services. The Corporate division provides various banking and financial solutions, such as mezzanine and equity finance, traditional senior debt, and working capital, as well as offers asset and motor finance to businesses. This division also provides debt funding solutions and risk capital investments for various infrastructure projects, as well as offers infrastructure, housing, and oil and gas finance. The Insurance and Investment division offers various life, pensions, investment, and general insurance products, including household, repayment, and motor insurance. The International division provides retail, corporate, insurance, and investment products; and banking solutions to business banking customers. It also offers mergers and acquisitions finance, real estate lending, and infrastructure/project finance. The Treasury and Asset Management division primarily offers asset management services, and debt issuance products. It manages money for the retail investors, pension funds, insurance groups, and other institutions, as well as manages real estate funds. The company was founded in 1695 and is based in Edinburgh, the United Kingdom.