Volkswagen AG (Volkswagen) is an automobile company, which carries out design, development, production and sale of a wide range of vehicles and engines. It commercializes both passenger and commercial vehicles, including low consumption small cars and luxury class vehicles. The company sells its products under the brand names of SEAT, Bentley, Scania, MAN, Ducati, Volkswagen, Audi, Volkswagen Commercial Vehicles, Volkswagen Passenger Cars, Skoda, Bugatti, and Lamborghini. Volkswagen also offers various financial services, which include banking and insurance, customer financing, leasing, and fleet management services. Geographically, the company operates in South America, North America, Asia Pacific, Europe and South Africa. Volkswagen is headquartered in Wolfsburg, Germany.