20240531_DNAR_Perubahan Profesi Penunjang_31644729_lamp6.pdf

        the name of the debtor or customer, the quality of the provision or distribution of funds, percentage,
        and number of BMPK or BMPD violations;
   4. details of the BMPK or BMPD exceedance in accordance with the Financial Services Authority
        Regulations regarding the maximum limit for granting credit and providing large funds for
        commercial banks, which includes the name of the debtor or customer, the quality of the provision or
        distribution of funds, the percentage and the amount of the BMPK or BMPD exceedance;
   5. the amount and quality of provision or distribution of funds to related parties in accordance with the
        Financial Services Authority Regulations regarding the maximum limit for granting credit and
        providing large funds for commercial banks;
   6. calculation of Risk Weighted Assets (RWA) in accordance with the Financial Services Authority
        Regulations regarding the obligation to provide minimum capital for commercial banks, for each risk;
   7. calculation of the Minimum Capital Requirement (KPMM) in accordance with the Financial Services
        Authority Regulation regarding the minimum capital requirement for commercial banks; And
   8. Net Open Position (PDN) ratio in accordance with statutory provisions regarding the net foreign
        exchange position of commercial banks;
b. review of management disclosures regarding the fairness of transactions with related parties and
   transactions carried out with special treatment;
c. review of the fair value of spot transactions and derivative transactions and their disclosures;
d. reliability of commercial bank financial reporting information systems;
e. other matters determined based on the results of the Financial Services Authority's communication with
   AP and/or KAP as intended in Article 34 POJK AP and KAP; and
f. Other matters regulated in financial accounting standards (SAK) and accounting-related regulations
   issued by the Financial Services Authority include the Banking Accounting Guidebook for Conventional
   Commercial Banks (BPAK), including notes to financial reports.

Thus, the scope of which will be achieved include an audit of the FIRST PARTY financial statements for the
year ended December 31, 2024.

(hereinafter referred to as "Audit")

                                                Article 2
                                          Purpose and Objective

The purpose and objective of the Audit is to provide an overall opinion on the fairness of the presentation of
the FIRST PARTY's financial statements for the year ended December 31, 2024. Fairness of the presentation
of these financial statements is in accordance with Indonesian Financial Accounting Standards.

                                                Article 3
                                               Audit Object

Object Audit includes transactions, financial documents and taxation, general meeting of shareholders, Bank
policies and matters that affect the financial statements and results of operations for the year ended
December 31, 2024.

                                                Article 4
                                              Audit Schedule

1. The performance period of audit work as referred to in Article 1 this Agreement will end on March 31,
   2025.

2. In the event of a delay in the completion of the work which is not caused by the fault of the SECOND
   PARTY, the SECOND PARTY is required to give a written notification accompanied by the
   reason/cause of the delay to the FIRST PARTY, no later than 7 (seven) working days before the term of
   this Agreement ends.

3. In the event of a delay in the completion of work caused by the SECOND PARTY's error, the SECOND
   PARTY shall be subject to a penalty of 0.1%/day of the AGREEMENT value with a maximum fine of
   5% of the AGREEMENT value.

                                                Article 5
                                         Report on Audit Results

All findings will be stated in a draft report in which the draft will be discussed in advance with the FIRST
PARTY, to determine whether or not to make adjustments to the financial statements.

As a result of this assignment, the SECOND PARTY will issue a report which includes:
1. Audit report of the FIRST PARTY financial statements for the year ended December 31, 2024, in the
    language of the Indonesia-English;
2. Letter to the management (Management Letter) about matters that need to be addressed (if any),
    especially regarding the operational and accounting issues, in the language of the Indonesia-English.

The SECOND PARTY provides the number of reports for each of these reports above as many as 5 (five)
copies. If FIRST PARTY requests additional report copies from this amount will be charged an
administrative fee amounted IDR 500,000 (five hundred thousand rupiah) per copy and become the expense
of the FIRST PARTY.

                                               Article 6
                                     Charges and Payment Methods

1. Based on the scope and the assignment schedule above, the agreed amount of audit fee amounted
   Rp245,000,000 (two hundred and fifty five million rupiah), not including Value Added Tax (VAT) of
   11% and will be paid according to the following schedule:
   Payment I        : amounted Rp98,000,000, paid when this Agreement has been signed by the Parties.
   Payment II       : amounted Rp98,000,000, paid during the audit process.
   Payment III      : amounted Rp49,000,000, paid when the draft audit report is submitted and
                      approved by the FIRST PARTY, namely the draft audit report for the year ended
                      December 31, 2024.

2. The FIRST PARTY will deduct income tax (Income Tax article 23) on audit services in the amount of
   2% of the total fee before adding VAT in accordance with the applicable regulations.

3. The SECOND PARTY shall fulfill the billing terms and conditions determined by the FIRST PARTY
   by attaching the following document:
   a. Official invoice (complete with Company stamp and stamped with signature)
   b. Tax invoice

    The FIRST PARTY is not responsible if there is a delay in payment due to the delay of the SECOND
    PARTY in fulfilling the attachment of the required documents mentioned above.

4. In the event of the FIRST PARTY delay in payment, then FIRST PARTY will be imposed penalty fee
   in the amount of 0.1%/ day from invoice value with maximum penalty 5% from invoice value. The
   FIRST PARTY is not responsible if there is a delay in payment due to the delay of the SECOND
   PARTY in fulfilling the attachment of the required documents mentioned above.

5. The SECOND PARTY will make corrections to billing inaccuracies to the FIRST PARTY.

6. The transport and accommodation expenses to the branch offices, transportation in the city of Jakarta
   and consumption for examination become the expense of the FIRST PARTY. For within the city,
   consumption expense amounted IDR 30,000 (thirty thousand Indonesian Rupiah) per day per person
   and transport amounted IDR 40,000 (forty thousand Indonesian Rupiah) per day per person. For out of
   town, reimbursement on the basis of the actual supporting documents.

7. The expense incurred by the FIRST PARTY to the SECOND PARTY will be paid through an account
   designated by SECOND PARTY in accordance with that stated on the invoice.

                                                 Article 7
                                          First Party Obligations

Obligations of the FIRST PARTY
 (1) Providing work places and facilities including consumption to the SECOND PARTY while carrying
     out their duties.
 (2) Providing and giving information on data needed, as well as providing fair and open/transparent
     opportunities to examine the documents and provide explanations to the SECOND PARTY in the
     framework of audit the financial statements for the year ended 31 December 2024.
 (3) Submit the management representation letter that all data/information provided includes the
     completeness and fairness of the data, records, statements and information relating to the audit
     assignment and that competent evidence has been given in full and nothing is hidden.
 (4) Appoint the counterpart as the auditor's companion in the assignment to support and providing a
     detailed explanation of the Bank's operational, administrative and accounting systems and provide the
     necessary data and information.

                                                Article 8
                                         Second Party Obligations

1. Obligations of the SECOND PARTY
   a. Examining transactions, financial documents and taxation, the GMS, the Bank's policies and matters
      that affect the financial statements and results of operations from January 1, 2024 to December 31,
      2024 gradually.
   b. Submit final audit report no later than March 31, 2025 and a letter to management regarding matters
      that need to be corrected as many as 5 copies.

2. If needed, the FIRST PARTY can request or give authority to the SECOND PARTY or required by
   Government Regulation, subpoenas, or other legal processes to provide documentation or personnel as
   witnesses related to the engagement with the FIRST PARTY and the expenses incurred in relation to the
   matter between others include professional fees, as well as honoraria and fees for legal counsel assigned
   to respond to the request as long as the SECOND PARTY is not in the trial where the information is
   requested, becomes the expenses of the FIRST PARTY.

                                                Article 9
                                            Term of Agreement

This agreement is valid from the date of signing until the final report of the SECOND PARTY, namely no
later than March 31, 2025.

                                                  Article 10
                                                Force Majeure

1.   What is meant by Force Majeure are all circumstances or events that occur outside the authority of THE
     PARTIES, including but not limited to riots, fires, floods, earthquakes, strikes, wars, external factors
     that continuously interfere with the assignment and government policies in the monetary and legal
     fields, government decisions that directly and materially prevent THE PARTIES from carrying out their
     obligations in accordance with this Agreement; which has a direct effect on the Audit.

2.   In the events that one or more of the events and / or events as referred to in paragraph (1) of this Article,
     the PARTY that is affected by Force Majeure is obliged to notify in writing to the other PARTY no
     later than 7 (seven) calendar days after the event occur.

3.   The events as referred to in paragraph (1) of this Article can be used as the basis for an extension of the
     execution time of the obligation by the PARTY who experiences Force Majeure and therefore frees the
     PARTY experiencing the Force Majeure from the sanction of delay in carrying out the obligation that
     should be fulfilled.

4.   All losses and costs incurred by one PARTY as a result of Force Majeure are the responsibility of the
     PARTY concerned.

5.   If the Force Majeure lasts more than 3 (three) months, then one of the PARTY may terminate this
     Agreement by written notification to the PARTY that experiences Force Majeure and this Agreement
     will expire from the receipt of the notification by the PARTY experiencing Force Majeure.

6.   In the event that the PARTIES do not notify in writing of the occurrence of a Force Majeure event to
     another PARTY within the period as referred to in paragraph (2) above, the event is not stated as an
     event of Force Majeure and the PARTIES are still obliged to implement this Agreement.

7.   In the event that the other PARTIES do not respond to the notification of the PARTIES affected by the
     Force Majeure as referred to in paragraph (2) of this Article within 7 (seven) calendar days after
     receiving the notification, the other Party shall be deemed to have acknowledged the occurrence of the
     Force Majeure event.

                                                 Article 11
                              Termination of Agreement and Event of Default

 1. This agreement can be terminated at any time if the FIRST PARTY and the SECOND PARTY violate
    the provisions and or do not carry out the obligations has set out in this Agreement.

 2. This agreement may expire earlier than the term of this Agreement with the following conditions:
    a. Ended by one of the Parties, both the FIRST PARTY and the SECOND PARTY who want the
       termination of the Agreement, and the Party who wants the termination referred to convey the
       intention in writing to the other Party not later than 30 (thirty) calendar days prior to the termination
       date referred to.
    b. Immediately terminated by one of the PARTY by giving written notification to the other PARTY in
       terms of:
          (i)   the business license of one of the Parties is revoked by the government;
         (ii)   there is a government policy that prohibits cooperation under this Agreement;
        (iii)   Other parties violate the provisions that have been determined based on applicable
                regulations, or violate the provisions of this Agreement;
        (iv)    The occurrence of a violation of some and/or all provisions of this Agreement by another
                Party, and the Party that has not committed a violation has notified the violation in writing
                to the Party who committed the violation and if the offender fails to correct the violation
                within thirty (30) calendar days. In the event that a Person who has committed a violation
                has corrected the violation within the thirty (30) calendar days above, this Agreement can be
                continued;

         (v)    The occurrence of Force Majeure events based on the provisions of Article 10 of this
                Agreement.

 3. The PARTIES hereby agree to waive the provisions in Article 1266 of the Civil Code, if they intend to
    terminate this Agreement.

 4. If, until the expiry or the termination of this Agreement there are still rights and obligations that have
    arisen and have not been implemented by the PARTIES, the expiry or termination of the Agreement
    does not release each PARTY from the obligation that has not been implemented until the obligation
    declared completed in writing and signed by each PARTY in this Agreement. The obligation must be
    completed no later than 14 (fourteen) calendar days from the expiry or the termination of this
    Agreement.

                                                    Article 12
                                                     Dispute

1.   THE PARTIES agree that in the event of a difference of opinion and disputes in carrying out the
     assignment above, the settlement is first sought by deliberation.

2.   If the deliberation to reach the consensus is not achieved, then THE PARTIES agree to resolve all
     disputes arising through the Central Jakarta District Court in Jakarta.

                                                   Article 13
                                                 Confidentiality

1.   THE PARTIES are obliged to maintain and store all data confidentiality information, including but not
     limited to information, information and other important documents relating to this assignment
     (confidential information) obtained in the framework of implementing this Agreement as confidential
     that may not be notified to third parties or another legal entity/person who is not entitled to any purpose
     or purpose during and after the entry into force of this Agreement, unless there is a written approval
     from the PARTY who owns the data information or in order to comply with the applicable laws and
     regulations. The SECOND PARTY will be exempted from the obligation to maintain confidentiality
     and security of information of the FIRST PARTY, to comply with current government laws and
     regulations, such as for the purpose of the Ministry of Finance supervision as set out in Law No.5 Year
     2011 on Public Accountants, Article 29, Circular Letter No.SE-6/PPPK/2024 on Procedures for
     Independent Auditor’s Report Registration via the Electronic System and for the purpose of tax audit,
     tax collection or investigation of criminal offenses in the area of taxation, upon written request from the
     Directorate General of Taxation, as stipulated in Article 35, Law No.6 Year 1983, and amended in Law
     No.28 Year 2007 regarding General Tax Provisions and Procedures.

2.   THE FIRST PARTY states that it has given approval to the SECOND PARTY to send the SECOND
     PARTY's audited financial report to Center of Financial Profession Development as regulated in PMK
     186/2021 Article 39, subsection 4, letter c and SE-6/PPPK/2024 point 4 and also for provide access to
     the audit engagement working papers for this financial report to parties who have the authority to
     implement the provisions of the applicable law.

3.   The SECOND PARTY and the team will not duplicate and or disseminate confidential information to
     any party and in any way, except if the confidential information is a public / public document.

4.   The SECOND PARTY and the team must fulfill all provisions as stipulated in the Professional Code of
     Ethics. Violation of the provisions of this article will be subject to sanctions in accordance with
     applicable laws and regulations. The SECOND PARTY will also be fully responsible for the
     consequences arising from violations of the provisions in this article caused by the SECOND PARTY
     and the team.

5.   In the event SECOND PARTY and team violate provisions in this Article, SECOND PARTY and team
     must submit written notification to FIRST PARTY no later than 2x24 hours to FIRST PARTY which at
     least contains information (i) Confidential Information which are disclosed; (ii) When and how
     Confidential Information was disclosed; and (iii) Control measure and recovery over disclosure of
     Confidential Information by SECOND PARTY. Delay in submit written notification, then SECOND
     PARTY will be imposed sanction amount to of 0.1%/ delayed day of the AGREEMENT value with a
     maximum fine of 5% of the AGREEMENT value.

                                                 Article 14
                                                Notification

1. THE PARTIES must provide written notification and correspondence at the address listed below
                    FIRST PARTY                                    SECOND PARTY
 PT Bank Oke Indonesia Tbk                        KAP Paul Hadiwinata, Hidajat, Arsono, Retno,
                                                  Palilingan & Rekan
 Jl. Ir. H. Juanda No.12, Central Jakarta 10120   UOB Plaza 30th & 42 nd Floor, Jl. M. H. Thamrin Lot
                                                  8-10, Central Jakarta 10230

 Telp. 021 2312633                                    Telp. 021 30007879
 Fax. 021 2312604                                     Fax. 021 30007898

2. Changes to the address contained in paragraph (1) of this article must be notified by one PARTY to the
   other PARTY, in writing within 7 (seven) working days after the change of address.

3. Every notification and correspondence submitted to the address as set forth in paragraph (1) of this
   article is deemed to have been received or delivered:
    a. On the same day if submitted directly as evidenced by the signature of receipt on the letter delivery
        book (expedition) or other receipt issued by the sender;
    b. On the 5th (fifth) day, if it is sent per post and proven by a registered postal delivery receipt;
    c. On the same day if sent by facsimile with good results;
    d. On the same day if sent via e-mail, unless the recipient of the e-mail confirms another within 2 (two)
        working days.

                                                Article 15
                                               Amendment

Any amendment and matters that have not been regulated or not sufficiently regulated in this Agreement as a
step to improve the implementation of this Agreement will be determined later in consultation by THE
PARTIES and will be set forth in an Addendum which is an integral and inseparable part of this Agreement.

                                                 Article 16
                                          Statement and Guarantee

1.   THE PARTIES hereby declare and guarantee that the PARTIES that sign this Agreement are valid and
     authorized in accordance with the provisions of the articles of association that they represent and
     therefore THE PARTIES mutually exempt from the occurrence of claims from other PARTIES
     regarding the signing of this Agreement.

2.   THE PARTIES are legal entities established under the laws of the Republic of Indonesia and have full
     rights to sign this agreement.

3.   This Agreement does not conflict with the articles of association of each PARTY and does not violate
     Government Regulations that must be obeyed by each PARTY.

                                                   Article 17
                                                    Others

1. In connection with the enactment of the Regulation of the Minister of Finance of the Republic of
   Indonesia No.55/PMK.01/2017 dated April 17, 2017 regarding the Know Your Client Principle for
   Accountants and Public Accountants as amended by Regulation of the Minister of Finance of the
   Republic of Indonesia No.155/PMK.01/2017 regarding the Amendment to the Regulation of the
   Minister of Finance No.55/PMK.01/2017 regarding the Know Your Client Principle for Accountants
   and Public Accountants dated November 6, 2017 and Circular Letter No.SE-7/PPPK/2019 regarding
   Guidelines for Implementing the Know Your Client Principle for Accountants and Public Accountants
   dated November 29, 2019, which requires Public Accountants to apply the Know Your Client Principle
   (KYCP), SECOND PARTY hereby inform you that SECOND PARTY will implement KYCP
   procedures in accordance with those regulations. Therefore, FIRST PARTY hereby declares its
   agreement for SECOND PARTY to implement and perform the KYCP procedures.

2. In connection with the enactment of the Regulation of the Minister of Finance of the Republic of
   Indonesia No.186/PMK.01.2021 regarding the Development and Supervision of Public Accountants and
   Circular Letter No.SE-6/PPPK/2024 point 4 letter a number 1 whereby Public Accountants are required
   to communicate to the client that Audited Financial Statement must be uploaded to the Pelita application
   when registering the Independent Auditor’s Report. Therefore, FIRST PARTY hereby express that
   FIRST PARTY have received information from SECOND PARTY regarding the requirement to upload
   the Audited Financial Statement and that FIRST PARTY consent for SECOND PARTY to upload the
   said Audited Financial Reports when registering the Independent Auditor’s Report.

3. If there is one article or paragraph of this Agreement declared null and void or legally flawed by the
   Court, then it does not affect the validity of the verses and/or other articles in this Agreement, so that
   other provisions in this Agreement remain valid and binding.

4. THE PARTIES agree to translate this Agreement into English as stated in Annexure 1 to this Agreement.
   If there are differences in interpretation of words, phrases, or sentences in this Agreement between
   Bahasa Indonesia and English version, then the Indonesian language shall apply.

5. THE PARTIES agree not to offer or give gifts in any form to employees, any representatives, other
   PARTIES or third parties acting on behalf of other PARTIES or accept gifts in any form, or agree to

    accept from any employees, representatives of other PARTIES or third parties who act on behalf of the
    other PARTIES.

6. The SECOND PARTY is willing to be examined at any time by the FIRST PARTY internally, Bank
   Indonesia/OJK or an external party appointed by the FIRST PARTY or by Bank Indonesia/OJK in
   relation to this AGREEMENT.

7. The SECOND PARTY is a member firm of the PKF International Limited family of legally independent
   firms. Neither the Other Firms nor any correspondent firms of the PKF Network nor PKF International
   Limited is responsible or accept liability for the work or advice which the SECOND PARTY provides to
   its clients, and in engaging this firm, the FIRST PARTY acknowledge and accept that such Other Firms
   and correspondent firms and PKF International Limited do not owe the FIRST PARTY any duty of care
   in relation to the work or advice which the SECOND PARTY will from time to time provide to the
   FIRST PARTY or are required to provide the FIRST PARTY. PKF International Limited itself does not
   provide services to clients.

This Agreement is made and signed in Jakarta on the day, date, month and year at the beginning of this
Agreement, in 2 (two) original copies, each affixed with sufficient stamp and has the same legal force for the
PARTIES, 1 (one) duplicate for the FIRST PARTY and 1 (one) duplicate for the SECOND PARTY.