Lloyds Banking Group Plc is a financial services company, which provides a wide range of banking and financial services. It operates through the following segments: Retail Banking, Commercial Banking, Insurance, Consumer Finance, and Run-off and Central Items. The Retail Banking segment provides current accounts, savings, loans and mortgages to personal and small business customers in the UK. The Commercial Banking segment supports UK businesses from small and medium-sized enterprises to large corporate and financial institutions. The Insurance segment offers customers with long-term savings, investment and protection products and general insurance. The Consumer Finance segment group consists of motor finance solutions and credit cards to consumer and commercial customers. The Run-off and Central Items segment includes income and expenditure not recharged to divisions, including the costs of certain central and head office functions. The company was founded by George Truett Tate on October 21, 1985 and is headquartered in London, the United Kingdom.