NO

PRODUCTS

INTEREST RATE

1.

Current Account

a.

Minimum Balance Deposit:

Rupiah Currency:

   - Government Current Accounts

Rp.            0,00

   - National Private Current Accounts

Rp.1.000.000,00

   - Individual Current Account

Rp.1.000.000,00

Foreign Exchange:

   - All Current Account equivalent to

USD 1.000,00

b.

Current Account and loan interest rates credit balance established tiered and calculated on a daily basis from the end of day balances as follows:

Rupiah Currency:

   - Current Account Balances up to Rp.1.000.000,00

0,00 % pa.

   - Current Account Balances> Rp.1.000.000,00 up toRp.100.000.000,00

1,50 % pa.

   - Current Account Balances> Rp.100.000.000,00 up toRp.1.000.000.000,00

2,50 % pa.

   - Current Account Balances> Rp.1.000.000.000,00

2,75 % pa.

Foreign Exchange:

   - Current Account Balances up to USD 1.000,00

0,00 % pa.

   - Current Account Balances> USD 1.000,00

0,25 % pa.

2.

Savings

a.

Minimum Savings Balance:

Rupiah Currency:

   - General Savings

Rp.50.000,00

   - Salary Savings

0 (zerorupiah)

   - Program Savings

0 (zerol rupiah)

   - LPD Savings

Rp.50.000,00

   - THT Bali Dwipa Savings

0 (zerorupiah)

   - Tabunganku

    - Sibapa

    - Simpeda

Foreign Exchange:

   - All the Savings = equivalent to

USD 100,00

b.

Tiered interest rates determined and calculated on a daily basis from the end of day balances as follows:

Rupiah Currency:

1)

Rupiah Currency:

   - Balance of  Savings up to Rp.250.000,00

0,00 % pa.

   - Balance of  Savings> Rp.250.000,00 up to Rp.5.000.000,00

2,25 % pa.

   - Balance of Savings> Rp.5.000.000,00 up to Rp.100.000.000,00

2,75 % pa.

   - Balance of Savings> Rp.100.000.000,00 up to Rp.500.000.000,00

3,25 % pa.

   - Balance of Savings> Rp.500.000.000,00

3,75 % pa.

2)

Village Credit Institutions (LPD):

   - Balance of Savings up to Rp.250.000,00  

0,00 % pa.

   - Balance of Savings up to > Rp.250.000,00 up to Rp.5.000.000,00

3,50 % pa.

   - Balance of Savings up to > Rp.5.000.000,00 up toRp.100.000.000,00

4,00 % pa.

   - Balance of Savings up to > Rp.100.000.000,00 up to Rp.500.000.000,00

4,50 % pa.

   - Balance of Savings up to > Rp.500.000.000,00

5,50 % pa.

3)

THT Bali Dwipa :

   - Balance of Savings up to sd Rp.250.000,00

5,25 % pa.

   - Balance of Savings up to > Rp.250.000,00 up to Rp.5.000.000,00

5,25 % pa.

   - Balance of Savings up to > Rp.5.000.000,00up to Rp.100.000.000,00

5,25 % pa.

   - Balance of Savings up to > Rp.100.000.000,00up to Rp.500.000.000,00

5,75 % pa.

   - Balance of Savings up to > Rp.500.000.000,00

6,00 % pa.

   -Balance of Saving up to Rp. 500.000,00

    -Balance of Saving > Rp. 500.000,00 up to Rp. 1000.000,00

    -Balance of Saving up to Rp. 1.000.000,00

Foreign Exchange:

   - Balance of Savings up to USD 500,00

0,00 % pa.

   - Balance of Savings up to > USD 500,00

0,30 % pa.

3.

Time Deposit

a.

 Minimum Deposit:

   - Rupiah Currency

Rp.500.000,00

   - Foreign Exchange = equivalent

USD.1.000,00

b.

Interest rates on time deposits every certificate determined and calculated on a monthly basis from the nominal as follows:

Rupiah Currency:

1)

Public Interest

    - 1 month

5,25 %  pa.

    - 3 months

5,50 %  pa.

    - 6 months

5,50 %  pa.

   - 12 months

5,50 %  pa.

   - 24 months

5,50 %  pa.

2)

LPDInterest Rate

    - 1 month

5,75 %  pa.

    - 3 months

6,00 %  pa.

    - 6 months

6,00 %  pa.

   - 12 months

6,00 %  pa.

   - 24 months

6,00 %  pa.

3)

PEMDA Interest Rate

  - 1 month

5,50 %  pa.

  - 3 months

5,75 %  pa.

  - 6 months

5,75 %  pa.

  - 12 months

5,75 %  pa.

  - 24 months

5,75 %  pa.

Foreign Exchange:

o

Time deposits inUSDcurrency

   - 1 month

0,35 %  pa.

   - 3 months

0,35 %  pa.

   - 6 months

0,50 %  pa.

   - 12 months

0,65 %  pa.

   - 24 months

0,65 %  pa.

c.

Time deposits in Rupiah and USD or other foreign currency withdrawn prior to maturity calculated interest service manually as follows:

o   Not achieved 1 (one) month of full services are not considered interest.

o   It reaches a full month or more interest with the provisions of services accounted for the lowest interest rates (in period) according to time period.