HBOS chief executive Andy Hornby, left, shakes hands with Lloyds TSB chief executive Eric Daniels, after Lloyds merged with the Halifax Bank of Scotland, (HBOS), in London, Thursday Sept. 18, 2008. Lloyds TSB unveiled details of the takeover of ailing HBOS on Thursday, in a deal likely to change the face of UK banking, with HBOS being the latest victim of the global credit crisis. (AP Photo / John Stillwell, POOL)