Westpac Banking Corporation provides various banking and financial services. The company offers financial services, such as lending, deposit taking, payments, investment portfolio management and advice, unit trust and superannuation fund management, insurance, leasing, general finance, foreign exchange, and money market services. Its deposit products include term deposits, savings accounts, and business transactional accounts. The company’s loan portfolio comprises advances, overdrafts, home loans, credit card and other personal lending, term loans, leasing receivables, bill financing, and redeemable preference share financing and acceptances. It also offers investment, superannuation, and retirement products; investment platforms, such as wrap and master trusts; private banking and financial planning services; and insurance solutions, including the manufacture and distribution of life, general, and lenders mortgage insurance and deposit bonds. In addition, the company provides various services, such as advice for cash flow finance, trade finance, automotive and equipment finance, property finance, agribusiness finance, transaction banking, and treasury services. Westpac Banking Corporation serves consumer, small and medium enterprise, commercial, corporate, institutional, and government customers through branches, third party distributors, call centers, automated teller machines, electronic funds transfer point of sale, terminals, telephone banking and Internet banking channels, business banking centers, home finance managers, and specialized consumer and business relationship managers. As of September 30, 2011, it operated 1,532 branches primarily in Australia, New Zealand, and the Pacific Islands. The company was formerly known as Bank of New South Wales and changed its name to Westpac Banking Corporation in 1982. Westpac Banking Corporation was founded in 1817 and is headquartered in Sydney, Australia.