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Bancolombia S.A. provides banking products and services to industrial companies, small-and medium sized enterprises, and individuals. It offers traditional banking products and services, such as checking accounts, saving accounts, time deposits, lending, credit cards, and cash management services. The company also provides nontraditional products and services, such as pension banking, bancassurances, international transfers, fiduciary and trust services, leasing, brokerage services, electronic banking, cash management, warehousing services, dollar-denominated products, and investment banking. As of December 31, 2004, Bancolombia operated 377 branch offices operating in 127 cities in Colombia. It provides a portfolio of banking products and services to individuals, such as self-employed persons, employees, housewives, retirees, and students. The company, formerly known as Banco Industrial Colombiano S.A., was incorporated in 1945 and changed its name to Bancolombia S.A. in 1998. Bancolombia is headquartered in Medellin, Colombia.