You have a Microsoft 365 E5 subscription that contains four users named User1, User2, User3,...

Step 1 – Summarization in Copilot

For Microsoft 365 Copilot to summarize a file:

The user needs at least View permission.

Summarization does not require editing, copying, or ownership rights.

Looking at the exhibit:

User1 (Co-Owner) → has full access including view.

User2 (Co-Author) → has edit and view.

User3 (Reviewer) → has read-only rights.

User4 (Viewer) → has read rights.

All four users can view the document. Therefore, Copilot can summarize File1 for User1, User2, User3, and User4.

Step 2 – Referencing a file by link in Copilot

For Copilot to reference a file by link (i.e., cite or share within generated content):

The user must have rights that include resharing or exporting.

Only the Co-Owner has full rights to manage access and allow referencing by link.

From the exhibit:

User1 (Co-Owner) → Can reference by link.

User2 (Co-Author), User3 (Reviewer), User4 (Viewer) → Do not have reshare or link rights.

So, only User1 can reference File1 by link.