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CHAPTER IX
                                    OTHER ALLOWANCE
                                         Article 43
                                   Employee in Custody

              1. Management may make Termination  of Employment  to
                Employees  who  can not work more  than 6 months because
                detained by the authorities.
              2. Management may make Termination of Employees  who before 6
                months are found guilty by the court.

              3. In the event an Employee is taken into custody by the authority not
                due to Bank's indictment, the Bank shall not  be obliged to pay
                his/her salary; instead, the Bank shall provide financial support to
                the Employee’s dependants as follows:
                a.  For 1 dependent, 25 % of the salary.
                b.  For 2 dependent, 35 % of the salary.
                c.  For 3 dependent, 45 % of the salary.
                d.  For 4 dependent, 50 % of the salary

              4. The payment of financial support shall last for 6  months effective
                from the first day of the Employee’s custody.
              5. In the event that the court rules that the Employee concerned is
                not guilty, then the  Bank shall give back the  full rights of the
                Employee.

                                         Article 44
                         Death Allowance for the Death of Employee

              In the  event that the employment relationship ends because the
              Employee  dies, the  Employee's  heirs will  receive  the  following
              payments:
             1.  Salary for the running month.
             2.  Funeral/condolence allowance.
             3.  Death allowance and Pension Fund from BPJS Ketenagakerjaan.
             4.  The legal heirs will be granted with 36 times of Employee’s latest

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