Royal Bank of Scotland Group plc, through its subsidiaries, provides banking products and services in the United States, the United Kingdom, Europe, and the Asia-Pacific. It operates through six divisions: Corporate Markets, Retail Markets, Ulster Bank, Citizens, RBS Insurance, and Manufacturing. The Corporate Markets division provides banking services, including debt financing, risk management, and investment services to corporations, and financial and government institutions; and banking, wind farm financing, invoice financing, and risk management services to corporate and commercial customers. The Retail Markets division offers retail banking, including consumer and business banking, cards and direct finance, and wealth management services for personal and small business customers. This division’s services also include current accounts, banc assurance, pension plans, business advice, car insurance, private banking, and Internet banking. The Ulster Bank division provides retail and wholesale banking and financial services for personal and corporate customers through branches, telephone, and the Internet in the Republic of Ireland. The Citizens division provides retail and corporate banking services, including personal banking, residential mortgages, cash management, credit card products, merchant servicing, and commercial banking services through the Citizens and Charter One brands. The RBS Insurance division offers general insurance services, including motor, home, and commercial insurance under Direct Line, Churchill, and Green Flag brands via telephone, the Internet, partnerships, and a network of brokers in the United Kingdom, Spain, Italy, and Germany. The Manufacturing division provides processing, telephony, information technology, property, purchasing, and security support and services. The company was founded in 1727 and is headquartered in Edinburgh, the United Kingdom.