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2.  Performance Bonus
                a.  Every year, the Management will grant performance bonus to
                   Employee in which the amount is determined by the
                   Management.
                b.  The amount of annual Performance Bonus is determined by the
                   overall assessment on Employee covering  his/her attendance,
                   work performance, skills, persistence, dedication, service years,
                   loyalty and personal development as related to his/her overall
                   annual performance appraisal.
                c.  Performance Bonus will be disbursed with stipulations as follow:
                    (1)     1 month of Salary will be paid in December.
                    (2)     Remaining amount of annual Performance Bonus will be
                        paid in the middle of March of the following year.
                    (3)     If  the  final result of Performance Bonus based on
                        Performance Appraisal is lower than 1  month salary, then
                        the payment excess will be deducted from annual bonus
                        which will be paid in June.
                    (4)     Employee who resigns from the Bank before finding out
                        about his/her assessment result, whatever the result will
                        not affect his/her previously disbursed bonus.
                    (5)     For Employee who resigns before June and his/her
                        assessment result is less than 1  month salary, then the
                        difference will be automatically deducted from his/her
                        last salary from the Bank that is yet to be paid.
                d.  Employee in his/her resignation period but officially is still the
                   Bank’s Employee at the time of performance appraisal, is
                   entitled to the annual performance bonus.
                e.  Employee who has violated the Bank’s work discipline or who
                   has made  mistakes  due  to serious negligence shall  not be
                   eligible for full annual Performance Bonus.

              3.  Annual Bonus
                 Annually in mid-June the Management grants an annual bonus to
                 its Employees that  equals to a 1  month latest Salary, by
                 considering the followings:

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