Contoh Perjanjian Pinjam Meminjam Billingual

DATED _________ / TANGGAL _________

By and between/Oleh dan antara:

As “Lender ” Sebagai “ Pemberi Pinjaman”

AND/DAN

As “Borrower ” Sebagai “ Peminjam”

LOAN AGREEMENT  PERJANJIAN PINJAMAN PINJAMAN

Page 0 of 26

LOAN AGREEMENT

PERJANJAN PNJAMAN

This LOAN AGREEMENT (the “Agreement ”) is made ad ete!ed ito o this da" of #########20$% ad &et'ee

PERAN*AN P*NAMAN (“ Per!an!"an”) ii di&+at ,ada tagga- #########20$%. o-eh da ata!a

#$

. a om,a om,a" " esta&-i esta&-ished shed ad eisti eistig g $ +de! the -a' of the *doesia. ha1ig its domii-e domii-e i ######## ############ ##### # (i-+dig (i-+dig its assi assig gees. -ega- s+ s+eesso sso!s o!  a,,oited a,,oited ,a!t" he!eiafte! he!eiafte! !efe!!ed to as the (“Lender ”))

. ,e!+sahaa "ag didi!i3a &e!dasa!3a 4+3+m *doesia. &e!a-amat di  #############  ############# (te!mas+3 ,ee!ima  ,ega-iha"a. ,eggati ha3"a "ag sah sah ata+ ata+ ,iha ,iha3 3 "ag "ag dit+ dit+5 5+3 +3 +t+ +t+3  3  se-a5+ se-a5+t" t"aa dise&+ dise&+tt se&aga se&agaii (“Pember" P"n!aman”))

ad %$

om,a" " esta&-i esta&-ished shed ad eisti eistig g 2 & a om,a +de +de!! the the -a' -a' of the the ###### ###### #### ###. #. ha1ig ha1ig its its domiidomii-ee i ###### ######### ######  ###  (i-+dig (i-+dig its assigees. assigees. -ega- s+esso!s o! a,,oited ,a!t" he!eiafte! !efe!!ed to as the (“Borrower ”))

da &  ,e!+sahaa "ag didi!i3a &e!dasa!3a 4+3+m #########. &e!a-a a-amat di  ########### (te!mas+3 ,ee!ima  ,ega-iha"a. ,eggati ha3"a "ag sah sah ata+ ata+ ,iha ,iha3 3 "ag "ag dit+ dit+5 5+3 +3 +t+ +t+3  3  se-a5+t"a dise&+t se&agai (“Pem"n!am”))

The Lede! ad the o!!o'e! a!e o--eti1e-" Pem& Pem&e! e!ii Pi5 Pi5am ama a da da Pemi Pemi5 5am am sea sea!a !a P"ha( ” !efe!!ed to he!ei as the “Part"e'” ad eah of   &e!sama7sama dise&+t se&agai “Para P"ha(  them as a “Party” da da masi masig g7m 7mas asi ig g da!i da!i me!e me!e3a 3a se&a se&aga gaii “P"ha( ” ” The Pa!ties he!e&" de-a!e as fo--o's

Pa!a Pa!a Piha Piha3 3 deg dega a ii ii me" me"at ata3 a3a a se&ag se&agai ai  &e!i3+t

)*EREA+: (A)

(B)

BA*)A:

The The o!!o o!!o'e 'e!! has has a,,a,,-ie ied d fo! fo! a -oa -oa (A) Pemi5am te-ah mega5+3a  ,e!mohoa +t+3 mem,e!o-eh fai-it" f!om the Lede! i a maim+m  ,i5ama da!i Pem&e!i Pi5ama dega  ,!ii,a- amo+t as f+!the! sti,+-ated i this Ag!eemet  5+m-ah ,o3o3 ma3sima- se&agaimaa diat+! -e&ih -a5+t da-am Pe!5a5ia ii At the the !e8+ !e8+es estt of the the o!! o!!o' o'e! e!.. the the () Lede! ag!ees to ,!o1ide a -oa i the amo+t amo+t of R,####### R,######### ## (######## (#########  #  R+,i R+,iah ah)) to the the o!!o o!!o'e! 'e! o the the te!m te!mss ad ad s+&5 s+&5e ett to the the od odit itio ios s of this this Ag!eemet Page $ of 26

Atas ,e!mi !mitaa Pemi5am. am. Pem&e!i Pi5 Pi5am ama a set+ set+5+ 5+ +t+ +t+3 3 mem& mem&e! e!i3 i3a a  ,i5ama se5+m-ah R,#########  (######### R+,iah) 3e,ada Pemi5am dega 3etet+a73etet+a da s"a!at7 s"a!at "ag te!at+m da-am Pe!5a5ia

ii

NO) T*ERE,ORE. the Pa!ties he!eto ag!ee to ete! ito this Ag!eemet +de! the fo--o'ig te!ms ad oditios

DENGAN DENGAN DEM2AN DEM2AN. Pa!a Pa!a Piha3 Piha3 dega dega ii set+5+ +t+3 mem&+at Pe!5a5ia ii dega 3etet+a da ,e!s"a!ata se&agai &e!i3+t

#$

DE,NTON+ NTERPRETATON

#$

DE,N+ DA DAN N NTERPRETA+

$$

Defiitios

#$#

Defiisi

AND

* this this Ag!e Ag!eem eme et. t. +-e +-ess ss the the ot ote ett !e8+i!es othe!'ise

Da-a Da-am m Pe!5 Pe!5a a5i 5ia a ii. ii. 3e+ 3e+aa-ii da-a da-am m 3ote3s"a mem,e!s"a!at3a -ai

“Agreement ” meas this Loa Ag!eem Ag!eemet et i-+d i-+dig ig a" amedm amedmet et.. 1a!iatio. shed+-e ad/o! a,,edi that a!e made made ad ad ag!e ag!eed ed &" &oth &oth Pa!t Pa!ties ies f!om time to time9

“Per!an!"an” ada-ah Pe!5a5ia Pi Pi5ama 5ama  ii ii da te!m te!mas as+ +3 seg sega-a a-a  ,e!+&aha. ,eam&aha. 1a!iasi. -am, -am,i! i!a a "ag "ag da!i da!i 'a3t 'a3t+ + 3e 'a3t 'a3t+ + di&+at da diset+5+i da ditadatagai o-eh 3ed+a &e-ah Piha39

“B-'"ne'' Day ” meas a da" othe! tha :at+!da". :+da" o! ,+&-i ho-ida" o! a da" 'he the &a3 is -osed fo! &+siess i the ,-ae 'he!e a at is to &e  ,e!fo!med o! a ,a"met is to &e made9

“*ar" 2er!a 2er!a” ada-ah ha!i "ag &+3a me!+,a3a ha!i :a&t+. Migg+ ata+ ha!i -ai -ai "ag "ag me!+,a me!+,a3a 3a ha!i ha!i -i&+! -i&+! ,+&-i3  ,+&-i3  ata+ ha!i dimaa &a3 tida3 &e!o,e!asi di tem, tem,at at dima dimaa a s+at s+at+ + ,e!& ,e!&+a +ata ta  a3a a3a di-a di-a3s 3sa aa3 a3a a ata+ ata+ ,em& ,em&a" a"a!a a!a  a3a a3a di&e!i3a9

“.omany” meas meas PT PT G!ad G!ad Mad Madi!i i!i ;tam ;tama. a. a om, om,a a" " esta esta& &-ish -ished ed ad ad eistig +de! the -a' of the Re,+&-i of  *doesia. *doesia. ha1ig ha1ig its domii-e domii-e i i a-a <4 <4 =ahid ahid 4as"im 4as"im No $>6. $>6. ?et!a ?et!a-a3a!ta9

.omany +hare' +hare'” mea “.omany meass ### ### sha!e sha!ess ha1ig a tota- omia- 1a-+e of  R,######## !e,!esetig ###@ of totaiss+e s+ed sha!es i the a,i a,ita- of the ?om, ?om,a a" " ad ad a-a-- othe othe!! sha! sha!es es i the the a,it a,itaa- of the the ?om, ?om,a a" " s+&s s+&se8 e8+e +et t-" -" o'ed &" the o!!o'e! o!!o'e! E0entt o1 De1a De1a-l -ltt” has “E0en has the the mea meai ig g Page 2 of 26

“Per-'ahaan ” ada-ah. PT PT G!ad Mad Madi! i!ii ;tam ;tama. a. se& se&+ah +ah ,e!s ,e!se! e!oa oa  te!& te!&at atas as "ag "ag didi didi!i !i3a 3a  &e!d &e!dasa asa!3 !3a a h+3+m *doesia "ag &e!3ed+d+3a di a-a a-a  <4 <4 =ahid ahid 4as" 4as"im im No No $>6. $>6. a3a!ta P+sat9

“+aha +aham m PerPer-'a 'aha haan an” ada-ah ###   saham saham dega dega totatota- i-ai i-ai omia omia-- ata+ se5+m-a se5+m-ah h R,#### R,####### #### # "ag "ag me'a3i me'a3i-i -i  ###@ da!i saham "ag dite!&it3a o-eh Pe!+ Pe!+sa saha haa a da da se-+ se-+!+ !+h h saha saham m -ai -ai da-am modaPe!+sahaa "ag

as!i&ed to it i ?-a+se $$9

di3em+dia ha!i dimi-i3i o-eh Pemi5am “2eadaan )anre'ta'" memi-i3i 3i a!ti a!ti anre'ta'" ” memi-i "ag ag sam sama de dega ga "ag ag di&e! i&e!i3 i3a a  ,egat+!a Pasa- $$9

“Loan” has the meaig meaig as!i&ed to it i ?-a+se 2$9 Mat-r" r"ty ty Date Date” has the “Matas!i&ed to it i ?-a+se 6$9

“P"n!aman” memi memi-i -i3i 3i a!ti a!ti "ag "ag sama sama dega "ag di&e!i3a ,ada Pasa- 2$9

meaig

“Tanggal Jat-h Temo” memi-i3i a!ti "ag sama dega "ag di&e!i3a ,ada Pasa- 6$9

“O-t'tand"ng O-t'tand"ng Amo-nt Amo-nt” meas. at a" time. a-- amo+ts ,a"a&-e &" the o!! o!!o o'e! 'e! to the the Le Lede! de! +de +de!! this this Ag!eemet. Ag!eemet. osistig osistig of the agg!egate agg!egate  ,!ii,a- amo+t of the Loa. a!+ed ite!est. ,ea-t" ad/o! a" othe! amo+t d+e ad ,a"a&-e (if a") &" the o!!o'e!9

“J-mlah Ter-tang” ada-ah ,ada setia, saat. se-+!+h 5+m-ah "ag te!+tag o-eh Pemi Pemi5 5am am 3e,a 3e,ada da Pem& Pem&e! e!ii Pi5 Pi5am ama a  &e!dasa!3a Pe!5a5ia ii. "ag te!di!i da!i da!i 5+m5+m-ah ah ,o3o ,o3o3 3 Pi5 Pi5am ama a &ese! &ese!ta ta  &+ga. deda da/ata+ 5+m-ah -ai "ag ha!+ a!+s di&a"a!3a (5i3a ada) o-eh Pemi5am9

“Per'on ” meas a" ,e!so (i-+dig a at+!a,e!so). fi!m. om,a". o!,o!atio. go1e!met. state o! age" of a state o! a" assoiatio o!   ,a!te!shi, ('hethe! o! ot ha1ig se,a!ate -ega- ,e!soa-it")9 R-"ah” o ! “R” mea eas the the -a'f -a'f+ ++!!e" of *doesia9

“Orang” adaada-ah ah sem+ sem+aa seti setia, a, o!a o!ag g (te!mas (te!mas+3 +3 idi1i idi1id+) d+).. fi!ma. fi!ma. ,e!se!o ,e!se!oa. a.  ,e!+sahaa. 3o!,o!asi. ,eme!itah. ega ega!a !a ata+ ata+ ,e!' ,e!'a3 a3ii-a a ega ega!a !a ata+ ata+ sega-a asosiasi ata+ 3emit!aa (&ai3 "ag memi-i memi-i3i 3i ma+,+ ma+,+ "ag "ag tida3 tida3 memi-i memi-i3i 3i stat+s h+3+m te!,isah)9

“3+ Dollar” o! “3+45 meas the -a'f++!!e" of the ;ited :tates of Ame!ia9 “R-"ah” ata+ “R” ada-ah mata +ag "ag ag sah se sea!a a!a h+3+m di ega!a *doesia9

$2

4eadi adigs 4eadigs a!e ise!t e!ted fo!  #$% o1eiee o-" ad sha-- ot affet the ost!+tio of this Ag!eemet

Dollar” ata+ “3+ Dollar ata+““3+4” adaada-ah ah mata mata +ag "ag sah Nega!a Ame!i3a :e!i3at "ag sah9 +d+- +d+- +d++d+- dimas+ dimas+33a 33a  ha"a ha"a +t+3  +t+3  3em+daha da tida3 a3a mem,ega!+hi ,eafsi!a Pe!5a5ia ii

$% $%

+si +sie ess ss Da" Da"s s =he =he!e !e the the da" da" o o o! &" &"

4a!i
#$6

Page % of 26

'hih a" thig is to &e doe is ot a +siess Da". that thig m+st &e doe o o! &" the fi!st +siess Da" immediate-" fo--o'ig the date d+e

da-a da-am m haha- ses+ ses+at+ at+ ha!+ ha!+ss disedise-esa esai3 i3a a  &+3a me!+,a3a 4a!i
$

A !ef !efe!ee to “date” o! “time” is a $ !efe!ee to that date o! time at a3a!ta. *doesia

Pe Pega+ ga+a a atas atas “ta “tagg ggaa-”” ata+ ata+ “'a3 “'a3t+ t+”” ada-ah ,ega+a tagga- da 'a3t+ di a3a!ta. *doesia

$B $B

A ,!o1 ,!o1is isio io  of this this Ag!e Ag!eem eme ett m+st m+st ot ot $B  &e ost!+ed to the disad1atage of a  ,a!t" me!e-" &ea+se that ,a!t" 'as !es,o !es,os si& i&-e -e fo! fo! the the ,!e, ,!e,a! a!ati atio o of the the Ag!ee g!eem met et o! the the ii-+s +sio io  of the the  ,!o1isio i the Ag!eemet

%$

LOAN

2$

The Lede! ag!ees to ,!o1ide to the 2$ o!!o'e! a -oa i the omia- amo+t +, to R, ########## (##########  R+,i R+,iah ah)) (the (the “Loan”) ,+!s+ ,+!s+a att to the the te!ms ad oditios of this Ag!eemet

Pem&e!i Pi5ama set+5+ +t+3   mem&e!i3a ,i5ama 3e,ada Pemi5am dega dega 5+m-ah 5+m-ah i-ai i-ai omia omia-- se5+m-a se5+m-ah h R,########## (########## R+,iah) (“P"n!aman”) &e!d &e!das asa! a!3a 3a  3ete 3etet t+a +a  da ,e!s"a!ata da-am Pe!5a5ia ii

22 22

The The Loa Loa sha sha--- &e &e +sed +sed &" &" the the o!! o!!o' o'e!  e!  22 to s+&s!i&e s+&s!i&e CC2. CC2.>B >B sha!es ha1ig ha1ig a totaomia1a-+e of R, CC.2.>B0.000 (iet" ie &i--io ad t'o h+d!ed se1et" se1e mi--io ad eight h+d!ed !ed ad ad fift" tho+sa sad R+,iah ) !e,!esetig CB@ of tota- iss+ed sha!es i the a,ita- of the ?om,a" ?om,a"

Pi5ama "ag ag a3a dig+a3a o-eh Pemi5am Pemi5am +t+3 megam&imegam&i- &agia atas CC2 CC2>.B >.B saham saham dega dega totatota- omia omia-R, CC2> CC2>B000 B0000 0 (sem&i-a (sem&i-a ,+-+h sem&isem&i-a a mi-"a! mi-"a! d+a !at+s !at+s t+5+h t+5+h ,+-+h ,+-+h t+5+h 5+ta de-a,a !at+s -ima ,+-+h !i&+ R+,iah) R+,iah) me'a3i-i me'a3i-i CB@ da!i da!i tota- saham saham "ag di3e-+a!3a da-am modaPe!+sahaa

2% 2%

The The o!! o!!o' o'e! e! ma" ma" &o! &o!!o !o' ' the the Loa Loa &" &" gi1ig to the Lede! a d+-" om,-eted !e8+est (i the fo!m as attahed he!eto as 3t"l"7at"on Re8-e't Re8-e't”) Attah Attahme mett $) (“3t"l"7at"on at -east % (th!ee) &+siess da"s (o! s+h sho!te! ,e!iod as ma" &e ag!eed &" the Lede!) ,!io! to the +ti-iatio date

Pem Pemi5a i5am m da,at a,at me-a me-a3+ 3+3a 3a  ,ea ,ea!i !i3a 3a  Pi5ama dega me"am,ai3a 3e,ada Pem& Pem&e! e!ii Pi5 Pi5am ama a ,e!m ,e!moh oho oa a "ag "ag te-ah diisi sea!a -eg3a, (da-am &et+3  se& se&agai agaima ma a "a "ag te!te!-am am, ,i! ,ada ada Lam,i!a $) (“Permohonan Penar"(an”) miima- % (tiga) ha!i 3e!5a (ata (ata+ + ,ada ,ada 'a3t 'a3t+ + se&e se&e-+ -+m m"a "a "ag "ag

%$

2%

Page  of 26

Pe Pegat+ gat+!a !a  da-am a-am Pe!5 Pe!5a a5i 5ia a ii ii tid tida3   &o-eh ditafsi!3a +t+3 3e!+gia sa-ah sat+ ,iha3 ha"a 3a!ea ,iha3 te!se&+t  &e!tagg+g 5a'a& atas ,e!sia,a ata+  ,em&+ata 3etet+a da-am Pe!5a5ia ii PNJAMAN

diset iset+5 +5+ +i o-eh -eh Pem Pem&e!i &e!i se&e-+m tagga- ,ea!i3a

Pi5a i5ama ma )

2 2

The The Loa Loa sha sha--- &e &e !emi !emitt tted ed &" &" the the Led Lede!  e!  2 2 to the the ao ao+ +tt as desi desig gat ated ed &" the the o!! o!!o' o'e! e! o the the +ti+ti-i iat atio io  date date as  ,!o,osed &" the o!!o'e! i the ;ti-iatio Re8+est

2B

A" a-+-atio. e!tifiatio o!   2B :etia, ,e!h e!hit+ga. ,egesa esaha ata+ dete!miatio &" the Lede! of !ate o!   ,eeta,a o-eh Pem&e!i Pi5ama amo+t +de! this Ag!eemet sha-- &e. i meg mege eai ai tig tig3a 3att ata+ ata+ 5+m5+m-ah ah +ag +ag the a&see of maifest e!!o!. o-+si1e  &e!dasa!3a Pe!5a5ia ii ha!+s. di -+a!  e1id e1ide ee e of the the matte atte!s !s to 'hi 'hih h it ada ada"a "a 3esa3esa-ah aha a "ata "ata.. me!+ me!+,a ,a3a 3a  !e-ates  &+3ti "ag me"a3i3a da!i ha-7ha- "ag te!3ait dega"a

6$

RE93RED APPROAL+

6$

PER+ET3J3AN DB3T3*2AN

%$

* !e-atio to the Loa +de! this Ag!eemet. the o!!o'e! sha-- o&tai the fo--o'ig a,,!o1a-s

6$#

:eh+&+ga dega Pi5ama  &e!dasa!3a Pe!5a5ia ii. Pemi5am 'a5i& mem,e!o-eh ,e!set+5+a7  ,e!set+5+a se&agai &e!i3+t

%2

a)

a,,! a,,!o1 o1aa- f!om f!om its its &oa &oa!d !d of of di!e di!eto to!s. !s.  &oa!d of ommissioe!s ad its sha!eho-de!s ad/o! i !e-atio to the ee+tio. de-i1e!" ad ,e!fo!mae of this Ag!eemet9 ad

 &)

a-- osets ad a,,!o1a-s !e8+i!ed  &" the o!!o'e! f!om a" thi!d ,a!t" o! fi fiai aiaa- ist istit it+ +tio tio fo! fo! the the ee+tio. de-i1e!" ad ,e!fo!mae of this Ag!eemet (if so !e8+i!ed)

The o!!o'e! he!e& !e&" !e,! e,!ese esets ad 6$% 'a!!a !!ats that the o&taiig of the a,,!o1a-s as set o+t i ?-a+se %$ sha- &e so-e-" the !es,osi&i-it" of the o!!o'e! ad the fai-+!e of the o!!o'e!  Page B of 26

Pi5 Pi5am ama a ha!+ ha!+ss diset diseto! o!3a 3a  o-eh o-eh Pem Pem&e &e!i !i Pi5ama 3e !e3eig "ag dit+5+3 o-eh Pemi5 Pemi5am am ,ada ,ada saat tagga tagga-- ,eai! ,eai!a a "ag "ag di+s+di+s+-3a 3a o-eh o-eh Pemi5 Pemi5am am da-am da-am Pe!mohoa Pea!i3a

;ANG

a)

,e!set+5+a da!i di!e3si. de'a 3omi 3omisa sa!i !iss da da ,eme ,emega gag g saha saham m seh+ seh+&+ &+g ga a deg dega a ,em& ,em&+a +ata ta. .  ,eadatagaa da ,e-a3saaa Pe!5a5ia ii9 da

 &)

se-+!+h ,e!set+5+a "ag di&+t+h3a o-eh o-eh Pemi Pemi5 5am am da!i da!i ,iha ,iha3 3 3eti 3etiga ga ata+ ata+,+ ,+  da!i da!i -em& -em&ag agaa fia fias sia ia-3e+aga maa,+ +t+3    ,em&+ata. ,eadatagaa da  ,e-a3saaa Pe!5a5ia ii (a,a&i-a di&+t+h3a)

Pemi5 Pemi5am am dega dega ii me"at me"ata3a a3a  da me5ami me5ami &ah'a ,e!o-eha ,e!o-eha ,e!set+5+a ,e!set+5+a se&a se&aga gaim ima aaa diat diat+! +! da-a da-am m Pasa Pasa-- %$ %$ adaada-ah ah tag tagg+ g+g g 5a' 5a'a& ,e+ e+h da!i a!i Pemi Pemi5 5am am da da 3ega 3egaga ga-a -a  Pemi Pemi5 5am am

to o&tai a" of those a,,!o1a-s sha-- ot i a" ase !ede! this Ag!eemet o! the Loa to &eome i1a-id %%

Not'ithstadig the fo!egoig. the 6$6 o!!o'e! sha-- i a-- ases &e &o+d &" the te!ms ad oditios of this Ag!eemet ad ,e!fo!m a-its o&-igatios he!e+de!. !ega!d-ess the -a3  o! a&se a&see e of a" a" a,,! a,,!o1 o1a- a- ;,o ;,o the the !e8+est of the Lede!. the o!!o'e! sha- ,!o1ide e1idee to the Lede! that a-!e8+i!ed a,,!o1a-s ha1e &ee o&taied

+t+3 mem,e!o-eh ,e!set+5+a7  ,e!set+5+a te!se&+t tida3 a3a da-am ha- a,a,+ me"e&a&3a Pe!5a5ia ii ata+ Pi5ama me5adi tida3 sah Ta,a a,a meg+! meg+!ag agii meges megesam, am,ig ig3a 3a 3etet+a di atas. Pemi5am da-am haa,a, a,a,+ + te!i3 te!i3at at deg dega a 3ete 3etet+ t+a a da da  ,e!s"a!ata da-am Pe!5a5ia ii da 'a5i& me-a3saa3a se-+!+h 3e'a5i&a"a &e!dasa!3a Pe!5a5ia ii. ta,a ta,a mem,e! mem,e!tim tim&a &ag3a g3a  3+!a 3+!ag" g"aa ata+ 3etiadaa ,e!set+5+a a,a,+ Pada saat saat dimi dimit taa o-eh o-eh Pem& Pem&e!i e!i Pi5 Pi5am ama a.. Pemi Pemi5 5am am 'a5i 'a5i& & mem& mem&e! e!i3 i3a a &+3t &+3tii 3e,ada Pem&e!i Pi5ama &ah'a se-+!+h  ,e!set+5+a "ag di&+t+h3a te-ah di,e!o-eh

<$

NTERE+T AND PE PENALT;

B3NGA DAN DENDA

$ $

The The ite! ite!est est !at !atee a,,a,,-i ia&a&-ee o the the Loa Loas s $ Tig3at &+ga ata atas Pi5ama ada-ah is #### (## (###) ,e! et ,e! a+m  #### (####) ,e!se ,e! tah+ (“ B-nga”) (“ntere't ”) 'hih is a-+-ated f!om the "ag dihit+g da!i 5+m-ah Pi5ama "ag o+tsta o+tstadi dig g Loa Loa f!om f!om the +ti-ia +ti-iatio tio  te!+tag se5a e5a3 tagga,eai!a date date +ti +ti-- the the f+-f+-- !e,a !e,a"m "me ett of the the Pi5 Pi5am ama a hig higga ga ,e-+ ,e-+a asa sa  se-+ se-+!+ !+h h O+tstadig Amo+t +m-ah Te!+tag

2

The Pa!ties ag!ee ad o1eat that 2 Pa!a Piha3 se,a3at da me"et+5+i *te *te!e !est st o the the Loa Loa &eo &eome me 'i-'i-- &e  &ah'a +ga atas Pi5ama me5adi immediate-" d+e ad ,a"a&-e i f+-- &"  5at+h tem,o da 'a5i& di&a"a! o-eh the o!!o' !o'e! to the Lede! (bullet  Pemi Pemi5 5am am 3e,a 3e,ada da Pem& Pem&e!i e!i Pi5 Pi5am ama a  payment ) o the Mat+!it" Date sea sea!a !a se3a se3a-i -ig+ g+ss da da se3e se3eti ti3a 3a (bullet   payment ) ,ada Tagga- at+h Tem,o

% %

Pa"m Pa"me ett of *te *te!e !est st shasha--- &e doe doe &" &" the the % o!!o'e! &" de,ositig a s+m of moe" e8+ e8+a- to the the amo amo+t of the the d+e d+e ad ad  ,a"a&-e ite!est i ao!dae 'ith ?-a+se $ ad 2 a&o1e to a ao+t otified &" the Lede! to the o!!o'e!  f!om time to time

Pem&a"a!a a!a +ga 'a5i a5i& di-a3+ a3+3a deg dega a a!a a!a Pemi Pemi5 5am am me" me"et eto! o! ata+ ata+ met met!a !as sfe fe!! se5+ se5+mm-ah ah +ag +ag se&e se&esa sa!  !  +ga "ag 5at+h tem,o ses+ai 3etet+a Pasa- $ da 2 di atas 3e !e3eig "ag ag di&e!itah+3a o-eh Pem& em&e!i Pi5ama Pi5ama 3e,ada 3e,ada Pemi5am Pemi5am da!i 'a3t+ 3e 'a3t+

 

Fo! Fo! the a1oi a1oida da ee of do+& do+&t. t. the the Pa!ti Pa!ties es 

;t+3

<$

Page 6 of 26

meghida!i

ada"a

3e!ag+7

ag!ee that the ,a"met of the *te!est 'i- &e doe i oe time o the Mat+!it" Date fo! fo! the the eti eti!e !e amo+ amo+t t of the the d+e d+e ad ad  ,a"a&-e *te!est o the Loa

!ag+a !ag+a ata+,+ ata+,+  ,e!&ed ,e!&edaa aa ,eafsi ,eafsi!a !a.. Pa!a Piha3 meegas3a &ah'a  ,em&a"a!a +ga ha"a di-a3+3a se3a-i ,ada Tagga- at+h Tem,o +t+3  3ese-+!+ha 5+m-ah +ga "ag te!+tag atas Pi5ama

B

*f the o!!o'e! fai-s to !e,a" the B i3a i3a Pemi emi5a 5am m gagaaga- +t+ t+3 mem& mem&a" a"a!  a!  O+tst +tsta adi di g Amo+ Amo+t t i f+-f+-- at the the +m+m-ah ah Te!+t e!+ta ag g sea sea!a !a ,e+ ,e+h h ,ada ,ada Mat+! Mat+!it it" " Date Date.. the the o!!o o!!o'e 'e!! shasha--- &e Tag aggaat+ at+h Tem, em,o. Pemi5am im,osed 'ith ,ea-t" at the !ate of 2@ di3e di3ea a3a 3a  ded dedaa di tig tig3a 3att 2@ (d+a (d+a (t'o ,e!et) ,e! moth a-+-ated f!om  ,e!se) ,e! &+-a dihit+g da!i +m-ah the O+tsta O+tstadi dig g Amo+t Amo+t ad sie sie the Te!+tag da se5a3 Tagga- at+h Tem,o Mat+ Mat+!i !it" t" Date Date +titi- the the at+ at+aa- f+-f+-sam,ai dega sem+a +m-ah +m-ah Te!+tag e!+tag !e,a"met of s+h s +h O+tstadig Amo+t te!se&+t te-ah -+as di&a"a! di&a"a!

6 6

Pea Pea-t -tie iess fo! fo! -ate -ate s+&m s+&mis issi sio o as !efe! !efe!!e !ed d 6 Deda 3ete!-am&ata se&agaimaa to i ?-a+se B a&o1e sha-- &e ,aid &" dima3s+d da-am Pasa- B di atas ha!+s the o!!o'e! to the Lede! o+!!et-" o+!!et-" di&a" i&a"a! a!3a 3a  o-eh -eh Pemi Pemi 5am 5am 3e,ad e,adaa 'ith 'ith !e,a !e,a"m "me ett of the the O+ts O+tsta tad di ig g Pem& Pem&e! e!ii Pi5 Pi5am ama a &e!sa &e!sama maa a deg dega a Amo+t  ,em&a"a!a 3em&a-i +m-ah Te!+tag Te!+tag



*f the the ,a"m a"met et amo amo+t +t !ee !eei1 i1ed ed &" the the  Lede! f!om the o!!o'e! is ot s+ffii s+ffiiet et to f+--" f+--" ,a" the O+tsta O+tstadi dig g Amo+t Amo+t (fo! (fo! the f+-f+-- ,!ii ,!ii,a,a- amo+t amo+t.. ite!est ad ,ea-ties) +de! this Ag!eemet. Ag!eemet. the the amo+t !eei1ed &" the Lede! sha-- &e a,,-ied o! +sed to  ,a" ,a!t of the O+tstadig Amo+t i ao ao!d !da ae e 'ith 'ith the the fo-fo--o o'ig 'ig the the  ,!io!it" o! se8+ee

( i)

Fi!st. the amo+t 'i-- &e +sed to  ,a" the d+e ad ,a"a&-e ,ea-t"9

(ii)

:eod. if the!e is !emaiig  &a-ae afte! the ,a"met of  o+tst +tsta ad dig ig ,e ,ea-t" a-t".. the the the the !emaiig &a-ae 'i-- &e +sed to !e,a" a-- o! ,a!t of the d+e ad Page  of 26

Da-am ha- 5+m-ah ,em&a"a!a "ag dite! dite!im imaa o-eh o-eh Pem& Pem&e! e!ii Pi5 Pi5am ama a da!i da!i Pem Pemi5a i5am m tid tida3 me+ e+3 3+,i +,i +t+ t+3  mem& mem&a" a"a! a! se-+ se-+!+ !+h h +m+m-ah ah Te!+t e!+ta ag g (+t+3 3ese-+!+ha 5+m-ah ,o3o3. &+ga da deda) deda) &e!das &e!dasa!3 a!3a a Pe!5a Pe!5a5ia 5ia ii. ii. ma3a 5+m-ah ,em&a"a!a "ag dite!ima o-eh o-eh Pem& Pem&e!i e!i Pi5 Pi5am ama a te!se te!se&+ &+tt a3a a3a dia,-i3asi ata+ dig+a3a +t+3  mem& mem&a" a"a! a! se&ag se&agia ia +m+m-ah ah Te!+t e!+ta ag g deg dega a ,!io ,!io!i !ita tass ata+ ata+ +!+t +!+ta a se&ag se&agai ai  &e!i3+t (i)

Pe!tama. 5+m-ah te!se&+t a3a di,e! di,e!g+ g+a3a a3a  +t+3 +t+3 mem&a" mem&a"a!  a!  deda deda 3ete!3ete!-am& am&ata ata "ag "ag 5at+h 5at+h tem,o da 'a5i& di&a"a!9

(ii)


 ,a"a&-e *te!est9

se-+!+h ata+ se&agia +ga "ag  5at+h tem,o da 'a5i& di&a"a!9

(iii) (iii) Thi! Thi!d. d. if the!e the!e is !ema !emai ii ig g &a-a &a-ae e afte! the ,a"met of the d+e ad  ,a"a&-e *te!est the !emaiig  &a-ae 'i-- &e +sed to !e,a" a-- o!   ,a!t of the o+tstadig ,!ii,aamo+t of the Loa

(iii)


>

The The ite ite!e !est st shasha--- &e a- a-+ +-ate -ated d o the the >  &asis that a "ea! osists of %60 da"s ad $2 mot moth h ad ad a mot moth h os osis ists ts of %0 da"s

+ga a3a dihit+g ata atas dasa! sa! sat sat+ tah+ %60 ha!i "ag te!di!i da!i $2 &+-a da sat+ &+-a %0 ha!i

=$

NET PA;MENT+

PEMBA;ARAN BER+*

=$

A" ad ad a-a-- ,a" ,a"met metss mad made &" the the o!! o!!o o'e! 'e! he!e+ e!e+d de! e! shasha--- &e mad made 'itho+ 'itho+tt set7of set7off. f. o+te o+te!-a !-aim im o! othe!  othe!  defee A-- ,a"mets sha-- &e made f!ee ad -ea! of. ad 'itho+t ded+tio o!  'ithho-dig fo! a" taes ad osts

B$ >$ 6$ 6$

:eti :etia, a, da da se-+! se-+!+h +h ,em& ,em&a" a"a! a!a a "ag "ag di-a3+ di-a3+3a 3a o-eh o-eh Pemi5 Pemi5am am &e!das &e!dasa!3 a!3a a Pe!5 Pe!5a a5i 5ia a ii ii 'a5i 'a5i& & di-a di-a3+ 3+3a 3a  ta,a ta,a  ,e!5+m,aa +tag. ,e!-a'aa ata+ tag tag3i 3isa sa  :e-+ :e-+!+ !+h h ,em& ,em&a" a"a!a a!a  "ag "ag di-a3+3a 'a5i& &e&as da &e!sih da!i. da ta,a ta,a ,eg+! ,eg+!ag aga a atas atas ,a5a3 ,a5a3 da  &ia"a a,a,+

MAT3RT; DATE

>$

TANGGAL JAT3* TEMPO

The The Loa Loa shasha--- &e d+e d+e ad ad ,a"a ,a"a&&-e. e. ad ad sha-- &e f+--" !e,aid &" the o!!o'e! to the Lede!. 'ithi $ (fo+!tee) +siess Da"s as of the de-i1e!" of a !e,a"met otie &" the Lede! to the o!!o'e! (the “Mat-r"ty Date”)

6$ 6$

Pi5 Pi5am ama a 5at+ 5at+h h tem,o tem,o da da ha! ha!+s +s di& di&a" a"a! a!.. da 'a5i& di&a"a! di&a"a! 3em&a-i 3em&a-i sea!a ,e+h o-eh Pemi5am 3e,ada Pem&e!i Pi5ama &ese!ta &+ga"a "ag tim&+atas atas Pi5am Pi5ama. a. da-am da-am 5ag3a 5ag3a 'a3t+ 'a3t+ $ (em,at &e-as) 4a!i
Page > of 26

Pemi5am (“Tanggal Jat-h Temo ”)

62

The The Loa Loa g!a g!ate ted d &" the the Led ede! to the the 62 o!!o'e! sha-- &e !e,aid &" the o!!o'e! o!!o'e! to the Lede! immediate-" immediate-" ad i f+-- (&+--et ,a"met) o the Mat+!it" Date Date The The o!! o!!o' o'e! e! shasha--- de,o de,osi sitt o!  t!a !asfe sfe! the moe" to a ao o+t desigated &" the Lede! 'hih 'i-- &e otified &" the Lede! to the o!!o'e!  f!om time to time

6%

The Loas aot &e +ti-ied &" o!  6% Pi5ama tida3 da,at dita!i3 ata+ dis& dis&+! +!se sed d to the the o!! o!!o' o'e! e! afte afte!! the the dia diai! i!3a 3a  -agi -agi o-eh o-eh Pemi Pemi5 5am am setesete-ah ah Mat+! Mat+!it it" " Date Date.. +-e +-ess ss the the te!m te!m of the the Taggaagga- at+h at+h Tem,o. em,o. 3e+a3e+a-ii 5ag3a 5ag3a Loa ad the Mat+!it" Date a!e eteded 'a3t 'a3t+ + Pi5 Pi5am ama a da da Tagg aggaa- at+ at+h h  &" the Pa!ties &ased o a added+m to Tem,o em,o di,e di,e!, !,a a5a 5ag g o-eh o-eh Pa!a Pa!a Piha Piha3  3  this Ag!eemet. 'hih is siged &" the  &e!dasa!3a s+at+ added+m/ Pa!t Pa!ties ies ,!io ,!io!! to the the e,i e,i!a !ati tio o of this this ama amade deme me  da!i da!i Pe!5 Pe!5a a5i 5ia a ii. ii. "ag "ag Ag!eemet ditadatagai o-eh Pa!a Piha3 se&e-+m  &e!a3hi!"a Pe!5a5ia ii

?$

TA@& ,EE EE&& AND OT* T*ER ER E@P E@PEN+ EN+E+

?$

A-- osts ad e,eses i+!!ed. taes. atto! atto!e e" " fees. fees. i o oet etio io  'ith 'ith the the !eatio ad ee+tio of this Ag!eemet sha-- &e &o!e &" eah Pa!t" i ao!dae 'ith the ,!e1ai-ig !eg+-atio

$

T*E 3NDERTA2NG+ .OENANT+

AND

Pi5ama di&e!i3a o-eh Pem&e!i Pi Pi5ama 5ama  3e,ad e,adaa Pemi emi5a 5am m 'a5i 'a5i& & di&a di&a"a "a!3 !3a a 3em& 3em&aa-ii o-eh o-eh Pemi Pemi5 5am am 3e,a e,ada Pem&e!i Pi5ama se sea!a se3a-ig+s da se3eti3a (bullet (bullet payment )  ,ada Tagga- at+h Tem,o Pemi5am 'a5i 'a5i& & me-a me-a3+ 3+3a 3a  ,e" e"eto! eto!a a ata+ ata+ t!a t!asfe sfe!! +ag +ag ,em& ,em&a" a"a! a!a a 3e !e3e !e3ei ig g "ag "ag dit+5 dit+5+3 +3 o-eh o-eh Pem&e! Pem&e!ii Pi5am Pi5ama a "ag "ag a3a a3a di&e!i di&e!itah tah+3a +3a  o-eh o-eh Pem&e! Pem&e!ii Pi5ama 3e,ada Pemi5am da!i 'a3t+ 3e 'a3t+

PAJA2& BA;A PENGEL3ARAN LAN

DAN

:ega :ega-a -a &ia" &ia"a7& a7&ia" ia"aa da da ,eg ,egee-+a +a!a !a  "ag tim&+-. ,a5a37,a5a3. &ia"a  ,egaa!a. seh+&+ga dega  ,em&+ata da ,e-a3saaa Pe!5a5ia ii. a3a ditagg+g o-eh masig7masig Piha3 ses+ ses+aai 3etet et+a ,e!at+!a  ,e!+dag7+daga "ag &e!-a3+ $

* oside!atio of the Lede! ad1aig the Loa fo! the &eefit of the o!!o'e!  ad to se+!e the !e,a"met the!eof ad a" othe! amo+ts ,a"a&-e he!e+de!. the o!!o'e! he!e&" ag!ees that at a-- times Page C of 26

JANJ DAN 2E)AJBAN

:e&agai :e&agai im&a- &a-i3 atas Pi5ama Pi5ama "ag di&e di&e!i !i3a 3a  Pem& Pem&e! e!ii Pi5 Pi5am ama a +t+ +t+3  3  3e,etiga Pemi5am da +t+3  me5 me5am ami i ,em& ,em&a" a"a! a!a a te!s te!se& e&+t +t da da  5+m-ah -ai "ag ha!+s di&a"a!3a

ad f!om time to time +-ess the Lede!  dete!mies othe!'ise. the o!!o'e!

 &e!dasa!3a Pe!5a5ia ii. Pemi5am deg dega a ii ii set+5 set+5+ + &ah' &ah'aa ,ada ,ada 'a3t 'a3t+ + 3a,a 3a,a, ,+ + da da da!i da!i 'a3t 'a3t+ + 3e 'a3t 'a3t+ + 3e+a-i 3e+a-i Pem&e!i Pem&e!i Pi5ama Pi5ama meet+3a meet+3a -ai. Pemi5am

a

sha-,!om,t-" de-i1e! a" ifo!matio !e-atig to a" o+!! o+!!e eee of a E1et E1et of Defa+Defa+-tt +de! this Ag!eemet9

a

'a5i& dega sege ege!a mem&e!i e!i3a ifo ifo!m !masi asi "ag "ag &e!3 &e!3ai aita ta  deg dega a tim& tim&++-" "aa
 &

sha-- a+se the ?om,a" to o&se!1e a" a" ad ad a-a-- -a's -a's ad ad !eg+ !eg+-a -ati tio oss a,,-i a,,-ia&a&-ee to it. ad to o&tai o&tai a" -ies -iese. e. ose oset. t. o! othe! othe! a,,!o1 a,,!o1aa('hethe! go1e!met o! othe!'ise). eessa eessa!" !".. !e8+i! !e8+i!ed ed o! desi!a& desi!a&-e -e to maitai its o!,o!ate eistee ad  &+siess o,e!atios9

 &

'a5i& me"e&a&3a Pe!+sahaa +t+3 memat+hi setia, da dega se-+ se-+!+ !+h h ,e!at ,e!at+! +!a a da da 3ete 3etet t+a +a  "ag "ag &e!&e!-a3 a3+ + te!h te!had ada, a," "a. a. da da +t+ +t+3 3 mem, mem,e! e!oo-eh eh sega sega-a -a ii ii..  ,e!set+5+a. ata+ ,egesaha -ai (&ai3 da!i ,eme!itah ata+ -ai"a). "ag "ag di&+ di&+t+ t+h3 h3a a.. di,e di,e!s" !s"a!a a!at3 t3a a ata+ ata+ di,e di,e!!-+3 +3a a +t+ +t+3 3 me5 me5ag agaa e3sistesi da 3egiata &isis"a9



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REPRE+ENTATON AN AND )ARRANTE+

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PERN;ATAAN DAN JAMNAN

The o!!o'e! !e,!esets ad 'a!!ats to the Lede! that

Pemi5 Pemi5am am me"at me"ata3a a3a da me5ami me5ami  3e,ada Pem&e!i Pi5ama &ah'a

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o!!o'e! is a -imited -ia&i-it" esta&-i esta&-ishe shed d ad eisti eistig g +de! +de! the -a' -a' of the the Re,+ Re,+&&-i i of *do *doe esia sia.. ad ad has has the the f+-f+-- -eg -ega- !ig !ight ad ad a+th a+tho! o!it it" " !e8+ !e8+i! i!ed ed to ete ete!! ito ito.. ee+te ad de-i1e! this Ag!eemet ad ad to f+-f+--" " ,e!f ,e!fo! o!m m o!!o o!!o'e 'e! !ss o&-iga o&-igatio tio  he!e+ he!e+de! de! o!!o' o!!o'e! e! is ot &a3!+,t ad/o! iso-1et

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Pemi emi5a 5am m adaada-ah ah s+at s+at+ + ,e!se e!se!o !oa a te!&at te!&atas as "ag "ag didi!i3 didi!i3a a sea!a sea!a sah  &e!dasa!3a h+3+m Re,+&-i3  *do *doe esia sia da da 3e'e 3e'ea ag ga a "ag "ag di&+t+h3a +t+3 mem&+at. meadata meadatagai gai da me-a3saa3a me-a3saa3a Pe!5a5ia ii da +t+3 me-a3+3a 3e'a5i 3e'a5i&a &a Pemi5 Pemi5am am se,e+ se,e+h" h"aa  &e!dasa!3a Pe!5a5ia ii Pemi Pemi5 5am am tida tida3 3 da-a da-am m 3ead 3eadaa aa   &ag3!+t da/ata+ tida3 mam,+ mem&a"a! (iso-1e)9

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This Ag!eemet has &ee d+-" a+th a+tho! o!i ied ed ad ad ee ee+t +ted ed &" the the o!!o'e! ad ostit+tes -ega-. 1a-id ad ad &i &idi dig o&-ig &-igat atio ios s of the the o!!o'e!9

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Pe!5a5ia ii te-ah ditadatagai sea sea!a !a sah sah o-eh o-eh Pemi Pemi5 5am am se!t se!taa me!+ me!+,a ,a3a 3a  3e'a 3e'a5i 5i&a &a  Pemi Pemi5 5am am "ag sah sah da megi3at se sea!a h+3+m9

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A-a+tho!iatios. !eg+-ato!" a,,!o1 a,,!o1a-s a-s ad thi!d thi!d ,a!t" ,a!t" ose osets ts !e8+i!ed o! ad1isa&-e i oetio 'ith his et!" ito. ,e!fo!mae of. ad the 1a-idi 1a-idit" t" ad efo! efo!ea& ea&i-it i-it" " of. this Ag!eemet ad the t!asa t!asatio tios s otem otem,-a ,-ated ted he!e&" he!e&".. ha1e &ee o&taied o! effeted ad a!e i f+-- fo!e ad effet

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:e-+ e-+!+h ,egesa esaha. ,e!s e!set+ et+5+a  &e!dasa!3a ,e!at+!a da  ,e!set+5+a ,iha3 3etiga "ag di&+t+h3a ata+ disa!a3a  &e!3aita dega ,em&+ata.  ,e-a3saaa da 3ea&saha da da,at da,at di,a3s di,a3sa3a a3a" "aa 3e&e!-a 3e&e!-a3+a 3+a. . Pe!5 Pe!5a a5i 5ia a ii ii da da t!as t!asa3 a3si si "ag "ag  &e!3aita dega Pe!5a5ia ii. te-ah te-ah di,e!o di,e!o-eh -eh da &e!-a3 &e!-a3+ + sea!a sea!a  ,e+h

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The ee ee+ +tio tio ad ad de-i de-i1e 1e!" !" of. of. ad ad the ,e!fo!mae &" the o!!o'e! of  his o&-igatios +de! this Ag!eemet sha-- ot

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Pea Pead dat ata aga gaa a  da da ,e-a ,e-a3s 3sa aaa aa  o-eh o-eh Pemi5 Pemi5am am atas atas 3e'a5i 3e'a5i&a &a"a "a  &e!dasa!3a Pe!5a5ia ii tida3

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!es+-t i a &!eah of. o!   osti ostit+t t+tee a defa+defa+-tt +de! +de!.. a" ist!+met. ist!+met. ot!at. ot!at. do+met do+met o! ag!eemet. to 'hih it is a  ,a!t" o! &" 'hih he o! its assets a!e &o+d9 ad/o! 

$) mei meim& m&++-3a 3a  ,e-a ,e-ag gga ga!a !a  atas atas.. ata+ se&agai 'a,!estasi  &e!dasa!3a sega-a ist!+me. 3ot!a3. do3+me ata+  ,e!set+5+a. dimaa di!i"a me me5ad 5adi ,iha3 iha3 ata+ ata+ dim dimaa aa di!i di!i" "aa ata+ ata+ aset aset" "aa te!i te!i3a 3at9 t9 da/ata+

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!es !es+-t i a &!eah ah of a" -a' -a'. !+-es. !+-es. !eg+-a !eg+-atio tios. s. o!dia o!diae es. s. o!de!. 5+dgmet o! de!ee of o!  +de!ta3ig to a" o+!t. go1e go1e! !me met t &od" &od".. stat stat+t +to! o!" " a+tho!it" o! !eg+-ato!" &od" &" 'hih it is o! its asset ssetss a!e  &o+d

2) mei meim& m&++-3a 3a  ,e-a ,e-ag gga ga!a !a  atas atas h+3+m. h+3+m. ,e!at+ ,e!at+!a !a.. 3etet 3etet+a +a..  ,+t+sa ata+ 3e,+t+sa da!i ata+ ,e!&+ !&+ata 3e'a5i&a 3e,ada 3e,ada te!hada te!hada, , sega-a sega-a setia, setia,  ,egadi-a. &ada ,eme!itah.  ,e5a&at "ag &e!'eag ata+  &ada ,egat+! dimaa di!i"a ata+ aset"a te!i3at

The o o!!o !!o'e! 'e! is o! o! 'i-'i-- &e &e the the so-e so-e !egiste!ed ad &eefiia- o'e! ad ho-de! of the ?om,a" :ha!es

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Pemi Pemi5 5am am adaada-ah ah ata+ ata+ a3a a3a me me5a 5adi di sat+7sa sat+7sat+ t+"a "a ,emi-i ,emi-i3 3 te!daf te!dafta! ta! da  ,emegag mafaat atas :aham Pe!+sahaa

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o!!o o!!o'e 'e!! is ot ot i1o i1o-1 -1ed ed i. i. o! o! is is the! the!ee ,e ,edi dig o!. o!. to the the &est &est of  o!!o'e! o!!o'e!ss 3o'-edg 3o'-edge. e. th!eateed th!eateed -iti -itig gatio atio . a!&i a!&it! t!at atio io  o! othe!  the!   ,!oeedigs of a -itigio+s at+!e. o!  a!e the!e a" i!+mstaes -i3e-" to gi1e gi1e !ise !ise to a" a" s+h s+h -iti -itiga gati tio o.. a!&i a!&it! t!at atio io  o! ,!o ,!oee eedi dig gss 'hi 'hih h might. if ad1e!se-" dete!mied. ha1e a mate mate!i !iaa- ad1 ad1e!se e!se effe effet t to the the Page $2 of 26

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Pemi Pemi5 5am am tid tida3 a3 te!te!-i& i&at at dada-am am.. 5+ga 5+ga tida3 tida3 ada ,!oses ,!oses -itiga -itigasi. si. a!&it!a a!&it!ase se ata+ ,!oses h+3+m -ai "ag te!t+da te!t+da ata+ a3a te!5adi te!5adi se,a5ag se,a5ag  &e!dasa!3a se,egetah+a Pemi5 Pemi5am. am. 5+ga 5+ga tida3 tida3 ada 3eadaa 3eadaa  "ag "ag mem+ mem+g g3i 3i3 3a a te!5 te!5ad adi i"a "a  ,!oses -itigasi. a!&it!ase ata+  ,!osed+! h+3+m -ai "ag da,at. a,a&ia,a&i-aa ditet ditet+3a +3a  sea!a sea!a egati egatif. f.

o!! o!!o' o'e! e!ss a&i-i a&i-it" t" to ,e!f ,e!fo! o!m m the the o&-igatios he!e+de! he!e+de!

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meim&+-3a ,ega!+h &+!+3 "ag mate! ate!ia ia-te!h te!had ada, a, 3emam emam, ,+a +a Pemi Pemi5 5am am +t+ +t+3 3 me-a me-a3s 3sa aa3 a3a a 3e'a5i&a"a &e!dasa!3a Pe!5a5ia ii

A-- ifo!matio ,assed &" the o!!o'e! to the Lede! i a,,-iatio fo! the Loa a!e t!+e ad a+!a a+!ate. te. ad that that the o!!o'e! o!!o'e! is 'e-- a'a!e of the fa fat that the Lede! !e-ies o s+h 'a!!aties ad !e,!esetatios i deidig 'hethe!  o! ot to g!a !at the the Loa Loa ad ad i deidig the te!ms of this Ag!eemet

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:em+ :em+aa ifo ifo!m !mas asii "ag "ag disa disam, m,ai ai3a 3a  o-eh o-eh Pemi Pemi5 5am am 3e,a 3e,ada da Pem& Pem&e! e!ii Pi5ama Pi5ama da-am a,-i3asi Pi5ama Pi5ama ada-ah &ea! da a3+!at. da &ah'a Pemi5 Pemi5am am sagat sagat me"ad me"ada!i a!i fa3ta fa3ta  &ah'a Pem&e!i Pi5ama  &e!gat+g ,ada 5amia te!se&+t da !e,!esetasi da-am mem+t+s3a a,a3ah me"et+5+i ata+ tida3 da-am mem&e! mem&e!i3a i3a  ,i5am ,i5ama a da da-am da-am mem+t+ mem+t+s3a s3a  3etet 3etet+a +a Pe!5a Pe!5a5ia 5ia  ii

PENG ENGGAN GANTAN AN 2E 2ER3G R3GAN AN

$0$ The o!!o !!o'e! sha sha-- idem emif" the $0$ Pemi Pemi5 5am am 'a5i 'a5i& & mem& mem&e! e!i3 i3a a gat gatii Led Lede! e! ad ad ho-d ho-d the the Led Lede! e! ha!m ha!m-e -ess ss 3e!+gia 3e,ada Pem&e!i Pi5ama da f!om a" ad a-- -aims. -osses mem&e& mem&e&as3a as3a  Pem&e! Pem&e!ii Pi5am Pi5ama a da!i da!i (i (i-+ -+di dig g -ai -aims ms fo! fo! os ose8 e8+e +et tia ia-sega sega-a -a g+ga g+gata ta. . 3e!+ 3e!+gi gia a (te! (te!ma mas+ s+3  3  -osses). -osses). th!eats. th!eats. s+its damages. ,ea-ties. ,ea-ties. g+gata g+gata atas 3e!+gia 3e!+gia tida3 -ags+g). -ags+g). -ia&i-it -ia&i-ities ies.. osts. osts. ha!g ha!ges es ad e,es e,eses es aa aama ma. . t+t t+t+t +ta a.. 3e!+ 3e!+gi gia a.. ded deda. a. (i-+dig a" -ia&i-it" o! -ega- fees) o!  tagg+g 5a'a&. &ia"a. da ,ege-+a!a othe! -ia&i-it" 'hatsoe1e! o! ho'soe1e!  (te!mas (te!mas+3 +3 sega-a sega-a tagg+ tagg+g g 5a'a& 5a'a& da i+!!ed as a !es+-t of  &ia"a h+3+m) ata+ tagg+g 5a'a& -ai" -ai"aa da-am da-am &et+3 &et+3 a,a,+ a,a,+ dega dega a!a a,a,+ "ag tim&+- se&agai a3i&at da!i a a" fai-+!e of the o!!o'e! to a sega sega-a -a 3egag egagaa-a a Pemi emi5a 5am m +t+ +t+3  3  om, om,-" -" 'ith 'ith a" a" of its its !es, !es,et eti1 i1ee meme+hi 3e'a5i&a"a o&-igatios +de! this Ag!eemet o!   &e!dasa!3a Pe!5a5ia ii ata+ 'ith 'ith a" a" of the the ,!e1 ,!e1ai ai-i -ig g -a's -a's  &e!dasa!3a h+3+m da/ata+ ad/o! !eg+-atios9 3etet+a "ag &e!-a3+9  &

a" &!eah of a" !e,!esetatio o!  'a!!at" of the o!!o'e! +de! this Ag!eemet9 o!

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sega-a ,e-agga!a ,e!"ataa da  5amia da!i Pemi5am &e!dasa!3a Pe!5a5ia ii9 ata+

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a" -aim f!om a" thi!d ,a!t". i-+dig &+t ot -imited to

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sega-a g+gata da!i ,iha3 3etiga. te!mas+3 am+ tida3 te!&atas ,ada

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*doesia go1e!met o!   a+th a+tho o!iti !ities es.. 'ith 'ith !es, !es,e ett to the the ee+tio. ,e!fo!mae ad de-i1e!" of this Ag!eemet &" the o!!o'e! 

 ,eme!itah *doesia ata+ ,e5a&at "ag &e!'eag. &e!'eag. &e!3aita &e!3aita dega dega  ,eadatagaa da ,e-a3saaa Pe!5a5ia ii o-eh Pemi5am

$02 $02 The idem idemiti ities es i this Ag!e Ag!eeme emet t sha-sha-- $02 Peggatia Peggatia 3e!+gia 3e!+gia da-am Pe!5a5ia Pe!5a5ia  &e a oti+ig o&-igatio. se,a!ate ad ii me!+,a3a 3e'a5i&a "ag ide,ede ide,edett f!om the o!!o'e! o!!o'e!ss othe!   &e!3e-a5+ta. te!,isah da &e!di!i o&-igatios ad s+!1i1es the te!miatio sedi! sedi!ii da!i da!i 3e'a5i 3e'a5i&a &a -ai -ai Pemi5 Pemi5am am of this Ag!eemet da teta, teta, &e!-a3 &e!-a3+ + sete-a sete-ah h ,ega3 ,ega3hi! hi!a a Pe!5a5ia ii ##$

EEN ENT O, O, DE DE,A3LT 3LT

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2EAD 2E ADAA AAN N )ANPR ANPRE+ E+T TA+ A+

Eah of the e1ets o! i!+mstaes set o+t i ?-a+se $$ sha-- ostit+te a E1et of Defa+-t

:etia, 3e5adia ata+ 3eadaa 3eadaa "ag di"ata3a di"ata3a da-a da-am m Pasa Pasa-- $$ ii ii me!+ me!+,a ,a3a 3a 
$$$ !eah of ;de!ta3igs Mis!e,!esetatio

$$$ Pe-agga!a a5i H Pe!"ataa

H

A" !e,!esetatio. 'a!!at". +de +de!t !ta3 a3i ig g o! stat statem eme ett mad made o!  deemed to &e made &" the o!!o'e! i this Ag!eemet is &!eahed o! io!!et o! mis-eadig $$2 *so-1 *so-1e e" " P!o P!oeed eedig igs s

:etia, :etia, ,e!"a ,e!"ataa taa.. 5amia 5amia. . 5a5i 5a5i ata+  ,e!"ataa "ag di&+at ata+ diagga, di&+ di&+at at o-eh o-eh Pemi Pemi5 5am am &e!d &e!das asa! a!3a 3a  Pe!5a5ia ii di-agga! ata+ tida3 &ea!  ata+ me"esat3a $$2 P!oses 4+3+m
A" -ega- ,!oeedigs o! othe! ,!oed+!e o! ste, is ta3e i !e-atio to

:ega-a ,!oses h+3+m ata+ ,!osed+! -ai ata+ ata+ -ag -ag3a 3ah h "ag "ag diam diam&i &i-- &e!3 &e!3ait aita a dega

a)

the s+s,esio of ,a"mets o! a mo!ato!i+m mo!ato!i+m of a" ide&tedess ide&tedess (&" 'a" 'a" of 1o-+ 1o-+t ta! a!" " a!!a a!!age geme met t o!  othe!'ise) of the o!!o'e!9

a)

,ea ,eag gg+ g+ha ha  atas atas ,em&a ,em&a"a "a!a !a  ata+ ata+ mo!ato!i+m atas +tag (&ai3 sea!a s+3a!e-a ata+ a!a -ai) da!i Pemi5am9

 &)

the o!!o'e! is a,,-"ig fo! o!  de-a!ed &a3!+,t9

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Pemi5am mega5+3a ,e!mohoa ata+ di"ata3a ,ai-it9

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the the efo efo! !em eme ett of a" a" se+! se+!it it" " o1e!  o1e!  a" assets of the o!!o'e!. o! 

)

,e-a3saaa e3se3+si te!hada, sega-a 5amia atas aset Pemi5am9 ata+

d)

,!os ,!osed ed+! +! ata+ ata+ -ag -ag3a 3ah h se!+, se!+,aa "ag "ag

d) a" a" aa-o aa-ogo go+s +s ,!o ,!oed ed+! +!ee o! ste, ste, is Page $ of 26

ta3e i a" 5+!isditio

di-a3+3a ,ada sega-a "+!isdi3si -ai"a

$$% $% ;-a ;-a'f 'f++-e ess ss

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*t is o! &eo eomes +-a'f+ a'f+-- fo! the o!!o'e! to ,e!fo!m a" of its o&-igatios +de! this Ag!eemet

Pe-a Pe-a3s 3sa aaa aa  3e'a 3e'a5i 5i& &a Pemi emi5a 5am m  &e!dasa!3a Pe!5a5ia ii me5adi tida3  sah sea!a h+3+m

O ad at a" time afte! the o+!!ee of a E1et of Defa+-t. the Lede! ma" &" otie to the o!!o !!o'e! de-a!e a!e that the Loa &e immediate-" d+e ad ,a"a&-e The o!!o'e!  sha-- ,a" a-- O+tstadig Amo+t Amo+t to the Lede!  i ao!dae 'ith ?-a+se 6 of this Ag!eemet ad the Mat+!it" Date sha-- &e deemed to &e s+h s+h date date s,e s,eif ified ied &" the the Led Lede! e! i s+h s+h otie

Pada saat da ,ada 'a3t+ 3a,a,+ sete-ah tim& tim&++-" "aa
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$2$ The te!m of this Ag!eemet sha-omm omme ee e o the the sigi sigig g date date of this this Ag!eemet ad sha-- te!miate +,o the O+tstadi O+tstadig g Amo+t ha1ig ha1ig &ee f+--" !e,aid ad a-- o&-igatios of the o!!o'e! +de! this Ag!eemet ha1ig  &ee f+--" ,e!fo!med o! satisfied

$2$ ag3a 'a3t+ Pe!5a5ia ii dim+-ai ,ada

$22 $22 Fo! Fo! the the ,+!, ,+!,os osee of te!m te!mi iat atio io  of this this Ag!eeme emet. the Pa!ties 'ai1e the a,,-iatio of the ,!o1isios of A!ti-es $266 of the *doesia ?i1i- ?ode to the etet that a 5+diia- deisio is !e8+i!ed fo! s+h te!miatio

$22 ;t+3 t+5+a ,ega3hi!a Pe!5a5ia ii.

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A++GNMENT

saat ,eadatagaa Pe!5a5ia ii da a3a &e!a3hi! ,ada saat +m-ah Te!+tag te-ah te-ah se-+!+h se-+!+h"a "a di&a"a di&a"a!! sea!a sea!a ,e+h ,e+h da sese-+!+h 3e'a e'a5i&a Pemi emi5am  &e!dasa!3a Pe!5a5ia ii te-ah di-a3saa3a ata+ di,e+hi

Pa!a Pa!a Piha3 Piha3 se,a3a se,a3att meges megesam, am,ig ig3a 3a 3ete 3etet t+a +a  PasaPasa- $266 $266
$2$ 2$ The The o!! o!!o o'e! 'e! is ot eti etitt-ed ed to se-se--.. $%$ Pemi5am Pemi5am tida3 &e!ha3 +t+3 me5+a-. me5+a-. assi assig g o! t!a t!asf sfe! e! a" a" of its its !igh !ights ts.. meg megaa-ih ih3a 3a  ata+ ata+ me" me"e! e!ah ah3a 3a  ha3  ha3   &eefits o! o&-igatios +de! this a,a, a,a,+ +.. 3e+ 3e+t+ t+g ga a ata+ ata+ 3e'a 3e'a5i 5i&a &a  Ag!eemet to a" thi!d ,a!t" 'itho+t the  &e!dasa!3a Pe!5a5ia ii 3e,ada ,iha3  Page $B of 26

 ,!io! '!itte a,,!o1a- of the Lede!. 'hih hih a,,! a,,!o o1a1a- ma" ma" &e g!a !ated ted o!  !ef+s !ef+sed ed &" the the Led Lede! e! i its its a&so a&so-+ -+te te dis!etio

3etiga ta,a ,e!set+5+a te!t+-is te!-e&ih dah+-+ dah+-+ da!i ,em&e!i ,em&e!i Pi5ama. Pi5ama. dimaa  ,e!set+5+a te!se&+t da,at di&e!i3a ata+ dito-a3 o-eh Pem&e!i Pi5ama  &e!dasa!3a dis3!esi"a sedi!i

$22 $22 The The Led Lede! e! ma" at a" a" time time ad f!om f!om $%2 Pem&e!i Pi5ama da,at se'a3t+7'a3t+ time to time ad at its so-e dis!etio se--. deg ega ,e!ti !tim&aga"a se sedi!i assig o! t!asfe! the Loa o! a-- o! a" me5+a-. mega-ih3a ata+ me"e!ah3a of its !ights. &eefits ad/o! o&-igatios Pi5ama ata+ se-+!+h ha3. 3e+t+ga +de! this Ag!eemet to a" ,e!so o!  da/ a/ata+ 3e'a5i&a &e!dasa!3 a!3a etit". &" s+&mittig '!itte otie to the Pe!5a5ia ii 3e,ada ,iha3 ata+ etitas o!!o'e! 'itho+t !e8+i!ig the oset -ai. dega mem&e!i3a ,em&e!itah+a of the o!!o'e! te!t+-is 3e,ada Pemi5am ta,a mem&+t+h3a ,e!set+5+a Pemi5am #<$

GOERNNG LA) +ETTLEMENT

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$$ $$ This This Ag!e Ag!eem eme ett ad ad the the ,e!f ,e!fo! o!ma ma ee $$ Pe!5a5ia ii da ,e-a3saaa he!eof sha-- &e go1e!ed &" ad  &e!dasa!3a Pe!5a5ia ii diat+! da ost!+ed i ao!dae 'ith the -a's of  ha!+ ha!+ss dita ditafsi fsi!3 !3a a &e!d &e!das asa!3 a!3a a h+3+ h+3+m m *doesia *doesia $2 $2 A" A" ad ad a-a-- dis, dis,+t +tes. es. ot!o ot!o1e 1e!si !sies es o!  $2 :etia, da se-+!+h seg3eta. 3ot!o1e!si of-its a!isig f!om o! i !e-atio to ata+ ata+ 3o 3of-i3 f-i3 "ag "ag tim& tim&++- da!i a!i ata+ ata+ this Ag!eemet. i-+dig dis,+tes o its  &e!3aita dega Pe!5a5ia ii. 1a-i 1a-idi dit" t".. o o-+ -+si sio o.. &id &idi ig g effe effet. t. te!mas+3 te!mas+3 seg3eta seg3eta te!hada, te!hada, 3ea&saha. 3ea&saha.  &!eah. amedmet. e,i!atio ad 3e&e!-a3+a. sifat megi3at. te!mia te!miatio tio  (o--e (o--eti1 ti1e-" e-".. “D"'-te'”).  ,e-agga!a. ,e!+&aha. da-+'a!sa da shasha--. -. as fa! fa! as ,ossi ossi& &-e. -e. &e sett sett-e -ed d  ,ega3hi!a (3ese-+!+ha. “+eng(eta”). amia&-" &" the Pa!ties 'a5i&. se-ama mem+g3i3a. dise-e dise-esai3 sai3a a sea!a sea!a m+s"a' m+s"a'a!a a!ah h +t+3  +t+3  m+fa3at 3e3e-+a!gaa o-eh Pa!a Piha3 $%

*f s+h s+h Dis Dis,+tes ma" ma" ot &e set sett-ed amia&-" 'ithi %0 (thi!t") a-eda! da"s f!om the date that a" Pa!t" ifo!ms the othe! Pa!t" that a" s+h Dis,+te a!ises. the the Pa!ties ag!ee that s+h Dis,+tes sha-&e fia--" sett-ed th!o+gh a!&it!atio

$% A,a&i-a

Page $6 of 26

:eg3eta tida3 da,at dise-e dise-esai3 sai3a a sea!a sea!a m+s"a' m+s"a'a!a a!ah h +t+3  +t+3  m+fa3a m+fa3att da-am da-am 5ag3a 5ag3a 'a3t+ 'a3t+ %0 (tiga (tiga  ,+-+h) ha!i 3a-ede! se5a3 tagga ,em&e!itah+a Piha3 "ag sat+ 3e,ada Piha3 Piha3 -ai -ai mege megeai ai ada" ada"aa seg3e seg3eta. ta. ma3a Pa!a Piha3 set+5+ &ah'a :eg3eta te!s te!se& e&+t +t a3a a3a dise dise-e -esa sai3 i3a a me-a me-a-+ -+ii a!&it!ase

$ $ The The a!&i a!&it! t!at atio io  shasha--- &e od od+ +te ted d i a3a!ta ad i ao!dae 'ith the !+-es ad ad ,!o ,!oed ed+! +!es es of ada ada  A!&i A!&it! t!as asee  Nasioa- *doesia (“BAN”) ad eah Pa!t" Pa!t" +od +oditi itioa oa--" --" ad i!!e1o i!!e1oa&a&-" " s+&mits itse-f to the e-+si1e  5+!isditio of s+h a!&it!atio fo!+m

$ A!&it! A!&it!ase ase di-a3s di-a3saa aa3a 3a di a3a!ta a3a!ta da

$B B The The a'a! a'a!d d made made ad ad g!a g!ate ted d &" the the a!&it!atio t!i&+a- sha-- &e fia-. &idig ad iotesta&-e ad ma" &e +sed as a  &asis fo! 5+dgmet the!eo i *doesia o! e-se'h e-se'he!e e!e The a!&it!a a!&it!atio tio  t!i&+ t!i&+aa'i-- &e etit-ed i its deisio to ma3e a dete!miatio as to the ,a"met of osts ad e,eses of the a!&it!atio t!i&+a-. admii admiist!a st!ati1 ti1ee osts osts of the a!&it! a!&it!ati atio. o. -ega- fees i+!!ed &" the Pa!ties ad a-othe othe!! ost ostss ad ad e,e e,es ses es ee eessa ssa!i !i-" -" i+!!ed i o!de! to ,!o,e!-" sett-e the !e-e1a !e-e1att Dis,+t Dis,+tes es The The Pa!tie Pa!tiess ag!ee ag!ee to oo,e!ate 'ith a-- effo!ts to es+!e that s+h a'a!d is efo!ed

$B P+t+sa "ag di&+at da di&e!i3a o-eh

 &e!dasa!3a ses+ai dega ,e!at+!a da  ,!osed+! ada A!&it!ase asioa*doesia (“BAN”) da masig7masig Piha3 Piha3 sea!a sea!a tida3 tida3 &e!s"a! &e!s"a!at at da tida3  tida3  da,at da,at dita!i3 dita!i3 3em&a3em&a-ii mega5 mega5+3a +3a  di!i di!i me!e3a me!e3a 3e da-am da-am "+!isd "+!isdi3s i3sii e3s3-+s e3s3-+sif  if  fo!+m a!&it!ase te!se&+t

 ,egadi-a ma5e-is a!&it!ase ada-ah  ,+t+sa fia-. megi3at. da tida3 da,at disag3a- da da,at dig+a3a se&agai dasa dasa!! +t+ +t+3 3 ,ei ,ei-a -aia ia  3e,+ 3e,+t+ t+sa sa  di *doesia *doesia ata+ dimaa,+ dimaa,+ Pegadi-a Pegadi-a Ma5e-is a!&i !&it!ase ase &e!ha3 dega 3e,+t+sa"a sedi!i mem&+at  ,eet+a ,em&a"a!a &ia"a da  ,ege-+a!a da!i ,egadi-a ma5e-is a!&it! a!&it!ase. ase. &ia"a &ia"a admii admiist!a st!atif tif a!&it! a!&it!ase. ase.  &ia"a h+3+m "ag ditim&+-3a o-eh Pa!a Piha3 da sese-+!+h !+h &ia"a -ai da  ,ege-+a!a "ag di&+t+h3a +t+3  me" me"ee-esa esai3 i3a a :eg :eg3e 3eta ta Pa!a Pa!a Piha Piha3  3  set+5+ +t+3 &e3e!5asama dega sega-a +,a"a +t+3 memasti3a &ah'a ,+t+sa te!se&+t di-a3saa3a

$6 6 D+!i +!ig g the the ,e!i ,e!iod od of s+& s+&miss missio io  to $6 :e-ama ,e!iode ,e"e!aha 3e a!&it!ase a!& a!&it!a it!ati tio o ad ad the! the!ea eaft fte! e! +titi- the the da sete sete-a -ah h"a "a sam sam,ai ,ai ,em& em&e!ia e!ia  g!atig of the a!&it!a- a'a!d. the Pa!ties  ,+t+sa a!&it!ase. Pa!a Piha3 'a5i&. sha--. ee,t i the e1et of e,i!atio o!  3e+ e+a-i a-i da-am ha- da-+'a!s a!sa ata+ te!miatio te!miatio of the Ag!eemet. Ag!eemet. oti+e oti+e  ,ega3hi!a Pe!5a5ia. mee!+s3a to ,e!fo!m a-- thei! !es,eti1e o&-igatios +t+3 +t+3 me-a3saa3a me-a3saa3a  se-+!+h se-+!+h 3e'a5i&a 3e'a5i&a +de! this Ag!eemet 'itho+t ,!e5+die  &e!dasa!3a Pe!5a5ia ii ta,a to a fia- ad5+stmet i ao!dae 'ith meg+!agi ,e"es+aia fias+h a'a!d seh+&+ga dega ,+t+sa te!se&+t #=$

NOT.E+

#=$

A-- oties !e8+i!ed o! a--o'ed &" this Ag!eemet sha-- &e i '!itig ad i the Eg-ish -ag+age :+h oties sha-- &e set &"

Page $ of 26

PEMBERTA*3AN

:e-+!+h ,em&e!itah+a "ag di&+t+h3a ata+ diii3a &e!dasa!3a Pe!5a5ia ii 'a5i 'a5i& & di& di&+at +at sea sea!a !a te!t te!t+ +-is -is da-am a-am ahasa *gg!is *gg!is Pem&e!itah+ Pem&e!itah+a a te!se&+t te!se&+t

'a5i& di3i!im3a dega a)

,e!s ,e!so oaa- de-i de-i1e 1e!" !" o! ite ite! !at atio ioa a---" " !eo !eog gi ied ed o+! o+!ie ie!! 'ith 'ith a sige siged d a3o'-edgmet of !eei,t9

 &)

&" fasimi-e o! e-et!oi mai-9 o!

)

&" !egi !egist ste! e!ed ed ai! ai! mai mai- -

a)

,e"am,aia ,!i&adi s e  a !a -ags+g ata+ ,e"am,aia dega  5asa 3+!i! "ag dia3+i sea!a ite!asioadega &+3ti  ,ee!imaa "ag ditadatagai  &+3ti ,ega3+a "ag ditadatagai9  &) dega fa3simi-i ata+ s+!at e-e3t!oi39 ata+ ) deg dega a ,os ,os +da +da!a !a te! te!a ata tat t

:+h oties sha-- &e set to the add!esses gi1e &e-o'

Pem&e!itah+a te!se&+t 'a5i& di3i!im3a 3e a-amat di &a'ah ii

LENDER: Add!ess ########  Fa No ########  Attetio ######## 

PEMBER PNJAMAN A-amat ########   No Fa3s ########  ########  ;, ######## 

BORRO)ER:

PEMNJAM:

Add!ess - ################ ################ Phoe No ########  Fa No ######### 

A-amat - ###########   Nomo! Te-e,o Te-e,o ########   Nomo! Fa3simi-i ######## 

A-- oties gi1e i ao!dae 'ith this  ,a!ag!a,h sha-- &e deemed !eei1ed (i) if  set set &" ,e!s ,e!so oaa- de-i de-i1e 1e!" !" o! o+! o+!ie ie!  !  se!1ie. the date of !eei,t9 o! (ii) if set  &" fasimi-e o! e-et!oi mai-. the date of t!asmissio. ,!o1ided that. a otie gi1e i ao!dae 'ith the a&o1e &+t !eei1ed o a da" 'hih is ot a +siess Da" o! !eei1e !eei1ed d afte! afte! o!mao!ma- &+si &+siess ess ho+!s at the ,-ae of the !ei,iet sha-- &e deem deemed ed to ha1e ha1e &ee &ee !eei !eei1e 1ed d o the the et +siess Da" :ho+-d eithe! Pa!t" hage hage thei! add!ess. e7mai- add!ess. fa o! te-e,hoe +m&e!. the" sha-- ,!om,t-" otif" the othe! Pa!t". &+t i o e1et sha-- the" otif" the othe! Pa!t" -ate! tha

:e-+ :e-+!+ !+h h ,em& ,em&e!i e!ita tah+ h+a a &e!d &e!das asa!3 a!3a a PasaPasa- ii ii a3a a3a dia diagg gga, a, dite! dite!im ima a (i) (i) a,a&i-a a,a&i-a di3i!im3a di3i!im3a me-a-+i me-a-+i ,egi!ima ,egi!ima  ,!i&adi sea!a -ags+g ata+ 5asa 3+!i!.  ,ada tagga- ,ee!imaa9 ata+ (ii) a,a&i-a di3i!im3a me-a-+i fa3simi-i ata+ s+!at e-e3t!oi3. ,ada tagga ,egi!ima. dega 3etet+a.  ,em&e!itah+a "ag di&e!i3a  &e!dasa!3a 3etet+a di atas am+ dite!ima ,ada ha!i "ag &+3a me!+ me!+,a ,a3a 3a  4a!i 4a!i
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#>$

$0 a-eda! da"s afte! s+h hage

s+!at e-e3t!oi3. omo! te-e,o ata+ omo! fa3simi-i. me!e3a 'a5i& see,at"a see,at"a mem&e!itah+ mem&e!itah+3a 3a Piha3 -ai. am+ da-am ha- a,a,+ ,em&e!itah+a ha!+s di&e!i3a tida3 -e&ih da!i $0 ha!i 3a-ede! sete-ah ada"a ,eggatia

Re-iae

Dasa! 

a)

A" A" oti otiee o! othe othe!! omm+ omm+i ia ati tio o set +de! this ?-a+se ma" &e !e-ied o &" the !ei,iet if the !ei,iet !easoa&-" &e-ie1es the otie to &e ge+ie ad if it &ea!s 'hat a,,ea!s to &e the the sig sigat at+ +!e (o!i (o!ig giaia- o!  fasimi-e) of a a+tho!ied sigato!" of the sede!

a)

 &)

Eah Pa!t" m+st ta3e !easoa&-e a!e to es+ es+!e !e that that o fo!g fo!ged ed.. fa-se fa-se o!  +a+tho!ied oties a!e set to the othe!

.ON, .ON,D DEN ENT TAL ALT;

:egaega-aa ,em& em&e!it e!itah ah+a +a  ata+ ata+ &e &et+3  t+3  3om+i 3om+i3as 3asii -ai -ai "ag "ag di3i!i di3i!im3a m3a   &e!dasa!3a Pasaii da,at di5ad i5adi3 i3a a dasa dasa!! o-eh -eh ,ee! ee!im imaa a,a& a,a&ii-aa ,ee ,ee!i !ima ma mem, mem,e! e!a a"a "aii  &ah'a ,em&e!itah+a te!se&+t as-i da ditadatagai (as-i ata+ me-a-+i fa3simi-i) o-eh o!ag "ag  &e!'eag meadatagai da!i  ,iha3 ,egi!im  &) Masig7masig Piha3 ha!+s me-a me-a3+ 3+3a 3a  -ag -ag3a 3ah h "ag "ag 'a5a 'a5a!  !  +t+3 memasti3a &ah'a tida3 ada  ,a3saa. 3esa-aha ata+  ,em&e!itah+a "ag tida3 sah "ag di3i!im3a 3e,ada sat+ sama -ai #>$

6$ $6$ $6$ The o!!o o!!o'e! 'e! ag!ees ag!ees ad ad +de!ta +de!ta3es 3es that that $6$ a" ad a-- ifo!matio !e-atig to this Ag!eemet ad othe! ag!eemet ee+ted i ,+!s+ae to this Ag!eemet. o! a" ad a-- othe! ifo!matio !eei1ed &" the o!!o'e! o!!o'e! f!om the Lede! i oetio 'ith this Ag!eem eemet (ho'soe1e!  a8+i!ed ad i 'hate1e! fo!m) sha-- &e t!ea t!eate ted d &" the the o!! o!!o o'e! 'e! as st!i st!it t-" -" ofidetia-. ad the o!!o'e! sha-- ot dis-ose a-- o! a" ,a!t of s+h ifo!mati atio to a" thi!d ,a!t" !t" o!  othe!'ise see3 to e,-oit a-- o! a" ,a!t of s+h s+h ifo ifo!m !mat atio io  'ith 'itho+ o+tt the the ,!io ,!io!  !  '!itte oset of the Lede! Lede!

Page $C of 26

2ERA*A+AAN

Pemi emi5a 5am m set+ set+5+ 5+ da &e!5 &e!5a a5i 5i &ah'a ah'a setia, da se-+!+h ifo!masi seh+&+ga dega Pe!5a5ia ii da  ,e!5a5ia -ai "ag ditadatagai  &e!dasa!3a Pe!5a5ia ii. ata+ setia, da se-+!+h se-+!+h ifo!m ifo!masi asi "ag "ag dite!im dite!imaa o-eh Pemi5am da!i Pem&e!i Pi5ama  &e!3aita dega Pe!5a5ia ii ("ag dite! ite!im imaa deg ega a!a a!a da da &et+ et+3  3  a,a, a,a,+ +)) 'a5i 'a5i& & di!ah i!ahas asia ia3a 3a  o-eh -eh Pemi Pemi5 5am am.. da da Pemi Pemi5 5am am di-a di-a!a !ag g meg+g3a,3a se-+!+h ata+ se&agia ifo!masi ifo!masi te!se&+t te!se&+t 3e,ada 3e,ada ,iha3 3etiga ata+ ,iha3 -ai "ag a3a mea!i mea!i a!a +t+ +t+3 3 meg meg+ +g3 g3a, a,3a 3a  se-+! se-+!+h +h ata+ ata+ se&a se&agi gia a ifo ifo!m !mas asii te!s te!se& e&+t +t ta, ta,aa

 ,e!set+5+a te!t+-is te!-e&ih dah+-+ da!i Pem&e!i Pi5ama $62 $62 The o!!o o!!o'e! 'e! f+!th f+!the! e! ag!ees ag!ees to ma3e ma3e a-- $62 $62 Pemi Pemi5 5am am -e&i -e&ih h 5a+h 5a+h me" me"et et+5 +5+i +i +t+ +t+3  3  !eas !easo oa&-e a&-e effo effo!t !ts. s. ad ad to ta3 ta3e a-a-me-a3+3a me-a3+3a se-+!+h +saha "ag 'a5a!. 'a5a!. !easoa&-e ,!ea+tios. to ,!e1et a" of  da me-a3+3a se-+!+h +,a"a its em,-o"ees o! ,e!soe-. o! a" othe!   ,eegaha "ag 'a5a!. +t+3   ,e!sos 'hatsoe1e!. f!om o&taiig o!  me-id+gi meegah ,a!a ,e3e!5a ata+ ma3i ma3ig g a" a" +a+ +a+th tho! o!i ied ed +se +se of. of. o!   ,e!soi-"a. ata+ o!ag -ai sia,a,+. affe affeti tig g a" a" dis dis-o -os+ s+!e !e of. of. a" a" s+h s+h da!i memi-i3i ata+ megg+a3a sea!a ofidetia- ifo!matio tida3 tida3 sah atas. atas. ata+ ata+ meg+ meg+g3a g3a,3 ,3a a atas. sega-a ifo!masi !ahasia te!se&+t $6% $6% *t is +de +de!s !sto tood od &" the the o!! o!!o' o'e! e! that that $6% $6% Pemi Pemi5 5am am mema memaha hami mi &ah' &ah'aa ifo ifo!m !mas asii s+h s+h of ofid ide eti tiaa- ifo ifo!m !mat atio io  shasha--!ahasia !ahasia te!se&+ te!se&+tt ada-ah ada-ah ,!o,e! ,!o,e!ti ti da!i da!i !emai the ,!o,e!t" of the Lede!. ad Pem&e em&e!i !i Pi Pi5ama 5ama . da ,ada ada saat saat +,o +,o te!mia te!miatio tio  o! e,i!at e,i!atio io of this this  ,ega3hi!a ata+ da-+'a!sa"a Ag!eemet fo! a" a+se 'hatsoe1e!. the Pe!5 Pe!5a a5i 5ia a ii ii 3a!e 3a!ea a se&a& se&a& a,a, a,a,+ +.. o!!o'e! sha-- ease to +se the same ad Pemi5am a3a megheti3a shasha--- !et+ !et+! ! the the sam same to the the Led ede!   ,egg+aa da a3a megem&a-i3a togethe! 'ith a-- !e-ated do+mets ad ifo ifo!m !masi asi te!se te!se&+ &+tt 3e,a 3e,ada da Pem& Pem&e!i e!i o,ies Pi5 Pi5am ama a &e!s &e!sam amaa deg dega a se-+ se-+!+ !+h h do3+me te!3ait da sa-ia7 sa-ia"a #?$

M+.ELLANEO3+

#?$

$$ $$ No ,!o1i ,!o1isio sios s of this this Ag!ee Ag!eeme met t a &e hage haged. d. 'ai1ed 'ai1ed.. o! disha disha!g !ged ed ee,t ee,t  &" a ist!+met i '!itig siged &" a-Pa!ties $2 $2 Fai-+! Fai-+!ee &" the Led Lede! e! to ee! ee!ise ise a" a" o!  a-- of its !ights he!e+de!. o! a" ,a!tiaee!ise the!eof. sha-- ot at as a 'ai1e!  of s+h !ights g!ated he!e+de! o! &" gee!a- -a' 'itho+t ha1ig to 'ait fo!  the the o+ o+!! !!e ee e o! !e7o !e7o+ +!!e !!e ee of a simi-a! o! a" othe! e1et gi1ig !ise to s+h !ights

$% $% *f oe oe o! mo!e mo!e of the ,!o1 ,!o1isi isio oss of this Ag!eemet o! a!!agemets !efe!!ed to i

LAN LAN

$$ $$

Tida3 ida3 ada ada 3ete 3etet t+a +a  da-a da-am m Pe!5 Pe!5a a5i 5ia a ii "ag da,at di+&ah. di-e,as3a. ata+ diha,+s3a 3e+a-i dega a!a te!t+-is "ag ditadatagai o-eh Pa!a Piha3

$2


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A,a&i-a sat+ ata+ -e&ih 3etet+a da-am Pe!5a5ia ii ata+ 3ese,a3ata "ag "ag meg mega a+ + ,ada ,ada Pe!5 Pe!5a a5i 5ia a ii ii

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this Ag!eemet sha-- &e de-a!ed i1a-id. i--ega i--ega-- o! +efo +efo!ea !ea&-e &-e i a" !es,et !es,et +de! a" a,,-ia&-e -a' o! deisio. the 1a-idit". -ega-it" ad efo!ea&i-it" of the !emai !emaiig ig ,!o1is ,!o1isio ioss ad ag!eem ag!eemet etss otaied o! !efe!!ed to i this Ag!ee g!eem met et shasha--- ot &e affe affet ted ed o!  im,ai!ed i a" 'a" ,!o1ided that. +,o the o+!!ee of s+h e1et. the Pa!ties sha-- +se thei! &est effo!ts to !e,-ae the i1a-id. i--egao! +efo! fo!ea ea&-e  ,!o1isio 'ith a 1a-id. -ega- ad efo!ea&-e ,!o1isio 'hih otais. as ea!-" as ,ossi& si&-e. the !ights ad o&-igatios otaied i the ,!o1isio to  &e !e,-aed

di"ata3a tida3 sah. i-ega- ata+ tida3  da,at di&e!-a3+3a &e!dasa!3a h+3+m ata+ 3e,+t+sa "ag &e!-a3+ dimaa,+. 3ea&saha da 3e&e!-a3+a da!i da!i 3ete 3etet t+a +a  -ai -ai da da ,e!se ,e!set+ t+5+ 5+a a "ag ag te!d te!da, a,at at ata+ ata+ me mega+ ga+ ,ada ada Pe!5a Pe!5a5ia 5ia  ii tida3 tida3 a3a a3a te!,e te!,ega! ga!+h +h da-am 3eadaa a,a,+ dega 3ete etet+ t+a a.. ,ada ,ada saat saat m++ ++- -"a "a 3e5a 3e5adi dia a te!se te!se&+ &+t. t. Pa!a Pa!a Piha Piha3 3 a3a a3a me-a me-a3+ 3+3a 3a  +,a" +,a"aa te!& te!&ai ai3 3"a "a +t+ +t+3  3  meg megga gat ti3 i3a a 3ete 3etet t+a +a  "ag "ag tida tida3  3  sah. i-egaata+ tida3 da,at di&e!-a3+3a te!se&+t dega 3etet+a "ag sah. -ega- da da,at di&e!-a3+3a. sed sede3at e3at m+g m+g3i 3i  deg dega a ha3 da da 3e'a 3e'a5i 5i&a &a  "ag "ag te!3 te!3a ad+ d+g g da-a da-am m 3etet+a "ag a3a digati $ $

Pe!5 Pe!5a a5i 5ia a ii ii da, da,at at dit dita ada data taga gai i o-e o-eh h sat+ ata+ -e&ih Piha3 da!i Pe!5a5ia ii da-am &e&e!a,a sa-ia. "ag masig7 masig masig da!i da!i sa-ia sa-ia te!se&+ te!se&+t. t. a,a&ia,a&i-aa dita ditad dat ata aga gai i.. dia diagg gga, a, se&a se&aga gaii sa-i sa-i a as-i as-i.. da se-+ se-+!+ !+h h sa-i sa-i a te!se&+t sea!a &e!sama7sama diagga, se&ag se&agai ai sat+ sat+ ist! ist!+m +me e "ag "ag sama sama Piha3 Piha3 maa,+ maa,+  da,at da,at me5ad me5adii Piha3  Piha3  da-am Pe!5a5ia ii dega mead meadata ataga gaii sa-ia sa-ia  da masig7 masig7 masig masig sa-ia sa-ia  da,at da,at ditad ditadata ataga gai i o-eh Pa!a Piha3 da di3i!im3a dega  ,egi!ima me-a-+i fa3simi-i da sah da efe3tif sea3a7a3a ditadatagai se&agai as-i"a

$B B

Pe!5a e!5a5 5ia ia  ii ii di&+ i&+at da-a da-am m 1e!si e!si d+a d+a  &ahasa "ait+ 1e!si ahasa *gg!is da 1e!s 1e!sii aha ahasa sa *do *doe esi sia a Da-a Da-am m hahate!da, te!da,at at 3of-i 3of-i3 3 ata!a ata!a 1e!si 1e!si ahasa ahasa *gg *gg!i !iss da da 1e!s 1e!sii aha ahasa sa *do *doe esia sia.. 1e!s e!si ahasa *g *gg!is "ag a3a  &e!-a3+

$ This Ag!eemet ma" &e siged o!  ee+ted &" oe o! mo!e of the Pa!ties to this Ag!eemet i a" +m&e! of  se,a! se,a!at atee o+ o+te te!, !,a! a!ts. ts. eah eah of 'hi 'hih. h. 'he 'he so ee+t ee+ted. ed. sha-- &e deemed deemed as o!igia-. ad a-- of the said o+te!,a!ts ta3e ta3e  tog togethe ethe!! shasha--- &e deem deemed ed to ostit+te oe ad the same ist!+met A" Pa!t" ma" ete! ito this Ag!eemet  &" sigig a" s+h o+te!,a!t ad eah ea h o+te!,a!t ma" &e siged ad ee+ted  &" the Pa!ties ad t!asmitted &" fasimi fasimi-e -e t!asmi t!asmissio ssio  ad sha-sha-- &e as 1a-id ad effet+a- as if ee+ted as a o!igia-

$B $B This This Ag!e Ag!eem eme ett shasha--- &e ete!e ete!ed d ito ito i  &i-ig+a- ie i Eg-ish ad i ahasa *do *do esia esia * the the e1e e1ett of o of-i f-itt  &et'ee the Eg-ish 1e!sio ad the ahasa ahasa *doe *doesia sia 1e!sio 1e!sio. . the Eg-i Eg-ish sh 1e!sio sha-- ,!e1ai-

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77777 signature  signature page page follows77777 follows77777

halaman tanda tangan pada halaman berikutnya-----

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Ag!eemet DEM2ANLA* Pe!5a5ia ii te-ah N )TNE+ )TNE++ + )*EREO )*EREO, , this Ag!eemet has &ee &ee ee ee+ +ted. ted. o the the da" ad ad date date ditad ditadata ataga gai. i. ,ada ,ada ha!i ha!i da tagg taggaa- "ag "ag metioed i the ,!eam&-e of this Ag!eemet dise&+t3a ,ada &agia a'a- Pe!5a5ia ii The Lender/Pember" P"n!aman Fo! ad o eha-f of/;t+3 da Atas Nama 

Borrower/Pem"n!am Fo! ad o eha-f of/;t+3 da Atas Nama 

 #######################  ########################  #   Name/Nama  Tit-e/ a&ata 

 ######################  #########################  ###   Name/Nama  Tit-e / a&ata 

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 ATT  ATTACHMENT ACHMENT 1 UTILIZATION REQUEST  LAMPRAN # PERMO*ONAN PENAR2AN

 Date: [insert date] Tagga- Idimas+3aJ To:  Kepada :

[address] A-amat

 e: !oan "greement "greement dated ############ ############ $the “"greement”% Pe!iha-  Pe!5a5ia Pi5ama te!tagga- ########## te!tagga- ############  ##  (“Pe!5a5ia”)  (“Pe!5a5ia”)

 Dear Sirs& Dega 4o!mat. 'e refer to the "greement( This is the e)uest( 'e 'e wish to utili*e the !oan on the following terms: Me!+5+3 3e,ada Pe!5a5ia *i ada-ah Pe!mohoa +t+3 ,ea!i3a Pi5ama dega dega 3etet+a se&agai &e!i3+t  +tili*ation Date: Tagga- Pea!i3a  "mount: +m-ah

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 ,lease remit the aboe re)uested re)uested !oan to the following a..ount: a..ount: Pi5ama da,at di3i!im 3e,ada omo! !e3eig se&agai &e!i3+t   "..ount /umber:  0ank:  0ran.h:  egistered under the name of: of: S'12T 34D5:  Nomo! Re3eig  a3  ?a&ag  Atas Nama 
This e)uest is irreo.able( ir reo.able( Pe!mohoa ii tida3 &isa di+&ah 3em&a-i

6ours sin.erely& sin.e rely& Pemoho

 ###############   ###############   Name/Nama Tit-e/a&ata

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