Lloyds TSB Group plc, through its subsidiaries, provides financial services in the United Kingdom and internationally. The company operates through three divisions: UK Retail Banking, Insurance and Investments, and Wholesale and International Banking. The UK Retail Banking division provides banking and financial services, mortgages, and private banking services. This division also offers Internet banking, telephone banking, cash machines, current accounts, savings accounts, personal loans, and credit cards. In addition, it provides financial planning and advice; and financial solutions across investments, retirement planning and income, trusts, tax and estate planning, and share dealing. The Insurance and Investments division offers life assurance, pensions and investment products, general insurance, and fund management services. The Wholesale and International Banking division provides banking and related services for corporates and financial institutions, and small and medium-sized businesses; asset finance services through leasing, hire purchase, and contract hire packages, as well as working capital finance services; and share registration services to personal and corporate customers. As of December 31, 2006, it operated approximately 2,000 branches and 4,100 ATMs. The company was founded in 1985 and is headquartered in London, the United Kingdom.