Bank and Clients plc is a British private bank, which was formed by combining: Church House Trust, a retail bank founded in 1978 and Ocean Capital, a specialist corporate lender founded in 2002. B&C is based in London, United Kingdom. In January 2010 the former Church House Trust plc was acquired by Virgin Money as a way for the Virgin Group to gain a banking licence to begin a retail banking operation. The investments division was not included in the acquisition, and continues to operate independently as Church House Investments in Sherborne.