The Bank of N.T. Butterfield & Sons Ltd. provides community banking and wealth management business. It provides private banking, asset management, custody and trust services to individual, family, institutional and corporate clients. The company operates in six segments: Bermuda, Cayman, Guernsey, Switzerland, The Bahamas and the United Kingdom. The Bermuda segment provides a full range of retail, commercial and private banking services. The Retail services include deposit services, consumer and mortgage lending, credit cards and personal insurance products. The Commercial banking services include commercial lending and mortgages, cash management, payroll services, remote banking and letters of credit. The Treasury services include money market and foreign exchange activities. The Guernsey segment provides a broad range of services to private clients and financial institutions including private banking and treasury services, Internet banking, administered bank services, wealth management and fiduciary services. The Cayman segment provides a range of community and commercial banking services to private and corporate customers through Internet banking, ATMs and debit cards The Switzerland segment provides fiduciary services. The Bahamas segment provides institutional, corporate and private clients with a range of wealth management & fiduciary services. The United Kingdom segment provides a broad range of services including private banking and treasury services, Internet banking and wealth management and fiduciary services to high net worth individuals and privately owned businesses. The company was founded in 1858 and is headquartered in Hamilton, Bermuda.