Secure Trust Bank PLC is a United Kingdom-based retail bank. Its business is the provision of banking services, including a range of lending solutions and deposit and fee-based current accounts to United Kingdom customers. It has five segments: Personal unsecured lending, which includes unsecured consumer loans sold to existing customers and via brokers and activity partners; Acquired portfolios, which include portfolios of unsecured personal loans acquired from Citi and LV; Motor finance, which involves hire purchase agreements secured against the vehicle being financed; Retail point of sale finance, which includes point-of-sale unsecured finance for in-store and online retailers, and One Bill, which is an account designed to aid customers with their household budgeting and payments process. On December 24, 2012, it acquired V12 Finance Group, Inc.