Australia and New Zealand Banking Group Limited provides various banking products and services to individual, retail business, corporate, and institutional clients primarily in Australia and New Zealand. It offers transaction banking and savings products, such as term deposits, V2+, and cash management accounts; housing finance for owner occupied and investment purposes; consumer and commercial credit cards, e-payment products, personal loans, and merchant payment facilities; and motor vehicle and equipment finance, operating leases, and investment products. It also engages in financial planning, margin lending, insurance distribution, and trustees businesses, as well as offers rural commercial and agribusiness products to customers in rural and regional Australia. In addition, it provides working capital solutions, including lending and deposit products, cash transaction banking management, trade finance, international payments, clearing, and custodian services; risk management services in relation to foreign exchange, interest rates, credit, and commodities; and financing and advisory services, structured financial products, leasing, private equity finance, project finance, leveraged finance, and infrastructure investment products. As of October 22, 2007, the company operated approximately 820 branches worldwide and 2,280 automated teller machines. Australia and New Zealand Banking Group was founded in 1835 and is headquartered in Melbourne, Australia.