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CHAPTER XII
                             VIOLATIONS TO WORK DISCIPLINE
                                         Article 51
                                         Warnings

              The warning consists of:
              a. Warning I;
              b. Warning II;
              c. Warning III.

              The maximum warning period vailidity is 6 months.

                                         Article 52
                                      Warning Letter

              1.  Management can give Warning I to Employees who violate the
                  Bank's work rules in accordance with Chapter IV Articles 10, 11,
                  12, 14 and 17.
              2.  Employees must understand, comply with and implement the
                  Collective Labor Agreement  correctly and  make it a  work and
                  behavior guideline.
              3.   Employees are required to record when they enter and when
                   they leave the Bank's environment on an attendance recorder.
              4.   If for one reason or another the said attendance data does not
                   exist, then when leaving the Bank environment, the Employee is
                   required to make a record by filling in the  attendance
                   confirmation provided  by the Human Resources (HR) section
                   through the Human Resources Information System (HC Plus). .
              5.   Employees are required to start work right at the start of
                   working time and end it at  the  end of working time unless
                   Employees are asked to work overtime.
              6.   In order to be able to start work on time at the start of working
                   time, Employees must be at the workplace no later than 10
                   minutes before the start of working time.
              7.   If he is unable to attend, before 10.00 WIB on the same day, the
                   employee must notify the impediment to his direct supervisor

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