Volvo Financial Services (VFS) supports the sale of the Volvo Group's product range with a full complement of competetive financial solutions. VFS´ expanding operations cover Europe, North America, Australia and parts of Asia and South America-- either directly or through cross-border activities in about 60 countries. The range of financial services includes instalment contracts and financial and operating leases for both owner-operators and fleet customers. In many markets, insurance plans, contract maintenance, credit cards and related services are offered to customers. Also, VFS provides inventory, real estate and working capital loans to Mack, Renault and Volvo dealers in select markets. As the Volvo Group´s captive finance arm, we satisfy the financing and capital needs of our customers on a global scale.