The document summarizes a Car Ownership Programme (COP) provided by PT. Surya NordFinans for employees. Key details: 1) The COP allows employers to provide vehicles to employees for work use, offer financial assistance, or provide an incentive. NordFinans handles the leasing arrangement. 2) Employees choose a vehicle in agreement with their employer. NordFinans sets the lease price with the employer. The maximum lease period is 5 years. 3) The lease price includes maintenance, repairs, insurance, road tax, and a replacement vehicle if needed for over 24 hours. Comprehensive insurance covers up to 100 million in liability. 4) At the end of the