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5.  Stipulate regulations or work discipline in the Bank as agreed by
                 the  Union and in compliance with the prevailing laws.
              6.  Place Employees in the Bank’s working areas based on the Bank’s
                 needs and business demand in accordance with BMI CLA article 9
                 Point 6.

                                         Article 16
                                 Management’s Obligation

              Management is required:
              1.  Provide Salary, overtime Salary and  Employee’ rights in
                 accordance with Collective Labor Agreement and employment
                 regulation.
              2.  To obey the Collective Labor Agreement and prevailing manpower
                 laws and regulations.
              3.  To grant Employee’s rights in accordance to this Collective Labor
                 Agreement and prevailing manpower laws and regulations.
              4.  To advance Employee’s career progress  based on the Bank’s
                 condition and in accordance to his/her skills and ability.
              5.  To pay attention to  Employee’s training and development in
                 accordance to the Bank’s condition.

                                         Article 17
                               Prohibitions for the Employees

             Employees are prohibited to:
              1.  Carrying/using Bank's goods/equipment, including data out of the
                 Bank's premises without written approval from the Management
                 or authorized person.
              2.  Conducting  Job  that  is  not  in his/her scope  of responsibility
                 without prior acknowledgment from the Management.
              3.  For whatever reason having working relations with other
                 companies without written approval from the Management.
              4.  Lending Bank's properties entrusted to him/her or using them to
                 earn money.
              5.  Carrying, storing or drinking alcoholic beverages or being under

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