HSBC Holdings plc (HSBC Holdings) is a banking and financial services organization. Its international network comprises over 10,000 properties in 80 countries and territories in Europe; Hong Kong; rest of Asia-Pacific, including the Middle East and Africa, and North America and Latin America. HSBC Holdings together with its subsidiaries (HSBC) provides financial services through four customer groups and global businesses: Personal Financial Services (including consumer finance), Commercial Banking, Global Banking and Markets, and Private Banking. In September 2008, Lehman Brothers sold its entire 2.09% stake in Amtek Auto Ltd. to HSBC Holdings. In September 2008, E*TRADE FINANCIAL Corp. announced that its indirectly wholly owned subsidiary, E*TRADE Mauritius Limited, has completed the sale of 100% of its equity shares in IL&FS Investsmart Limited, to HSBC Holdings. In February 2009, it sold its stake in Modern Asia Environmental Holdings Inc. to Japan's Dowa Eco-system Co.