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unemployed then health facilities will be provided until he/she is
                 25 years of age.
             2.  Medical Plan covers only medical treatment expenses but not for
                 preventive health care for Employee  and  his/her dependent(s).
                 The detailed amount shall be determined by an official letter from
                 the Management and stipulated in  the glossary of the Bank’
                 Medical Plan
             3.  The Management shall appoint an  Insurance Bank to
                 professionally handle the implementation of the Medical  Care
                 Plan.
             4.  The insured Medical Care Plan shall include among others
                 Hospitalization, Outpatient, Basic Dental Treatment and
                 Maternity.
             5.  Non-Insured Medical Benefits
                 In addition to insured medical benefits, other medical care such as
                 Optical, Traditional Treatment and General Check-up are also
                 provided.
                 Management regulates the amount  of  non  insured  medical
                 benefits by a Decision Letter from the Management.
             6.  Periodically, the Management shall provide and arrange a general
                 medical check-up for all Employees.
             7.  Any Employee who has not completed 1  year of service is entitled
                 to a  1/12 of his/her  entitlement times  the length of months of
                 service.

                                         Article 42
                             Compensation for Accident at Work

              1.  Employees  who experience work accidents are entitled to  work
                 accident insurance in the Employment BPJS Program and
                 Insurance Policy.
              2.  Compensation in the form of:
                 a.  Employee relocation fee from the place of accident to his/her
                    house or to the hospital.



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