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Article 28
                                         Overtime

              1.  The definition of "overtime" is in the context of emergency or
                 temporary work.
              2.  Those who  are entitled to overtime pay  are employees of the
                 Senior Clerk level and below.
              3.  If the Bank's operational demands require it, the Employees must
                 be prepared to fulfill overtime requests from Management unless
                 the Employees's health condition is unwell  or for a very strong
                 reason.
              4.  In principle, overtime is an order from a direct supervisor to the
                 Employees and is approved by the Employees.
              5.  In practice, the  form of  approval  for overtime is through the
                 overtime submission  system submitted by Employeess through
                 the Human Resources Information System (HC Plus) and must be
                 approved by their superiors.
              6.  If in reality  the overtime assignment becomes a permanent or
                 routine activity, it is necessary to consider an effective settlement
                 pattern.
              7.  Attendance before 08.00 WIB  does not automatically count as
                 overtime, except for certain tasks such as drivers, security guards,
                 messengers, clearing  officers and those who are asked to be
                 present in writing before the working hours of the bank.
              8.  Management has the right to reduce the number of overtime
                 hours if the overtime work is not carried out by order of superiors
                 or management and if overtime is not used properly.
              9.  Management  only recognizes overtime work if attendance is
                 officially recorded in the Attendance Machine both when arriving
                 and when returning.
              10. Calculation of overtime is only made  for overtime at least  15
                 minutes after the end of normal working hours.
              11. Employeess who  work overtime are entitled to allowances for
                 meals and transportation allowances as stipulated in BMI CLA
                 Article 36 and the amount is regulated in the Bank's internal
                 operational regulations.

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