It's possible that this term is used in a specific context or by a particular individual or organization. To understand what it means, you would need more information about where you encountered this term.
Here are some possibilities and what they might mean:
* A Misunderstanding: Perhaps "Personal to Holder" is a misinterpretation of another term. Could it be "Personal Use Only," "For Holder's Use Only," or something similar?
* A Local Term: The term could be used in a specific region or by a particular group.
* A Customary Use: It's possible that a company or organization uses this term internally to refer to a specific type of vehicle.
To clarify, please provide:
* The source of the term: Where did you see or hear "Personal to Holder"? (e.g., a contract, a website, a conversation)
* The context: What was being discussed or what was the situation when you encountered this term?
With more information, I can help you understand what "Personal to Holder" means in your specific case.