You make more transaction
we give special advantages

1. Regular Current Account (transaction without interest)

This account will facilitate you to conduct financial transaction in local and foreign currencies through various banking facility services that will provide efficiency and effectiveness for your daily business activities.

Name of Product	:	Regular Local and Foreign Current Account
Type of Customer	:	Company (SME)
Currency	:	IDR, USD, GBP, AUD, EUR, NZD, SGD, CAD, CHF, DKK, HKD, JPY, NOK, SEK, THB
Minimum Opening Balance	:	IDR25,000,000.-/ USD5,000.- ( (equivalent for other currencies)
Average Balance / month	:	IDR25,000,000.-/ USD5,000.-
Administration Fee / month	:	IDR100,000.-/ USD10 (If Minimum Balance per month is below standard)

2. BusinessSaver (Current Account with interest)

Specialized current account for customers with local currency transaction exposure and seek for higher return and lower transaction cost. We provide distinct current account for customer to transact as well as getting attractive interest and efficient local transaction cost.

Name of Product	:	BusinessSaver
Type of Customer	:	Company (SME)
Currency	:	IDR
Minimum Opening Balance	:	IDR50,000,000.-
Average Balance / month	:	IDR50,000,000.-
Administration Fee / month	:	IDR200,000.- (If Minimum Balance per month is below standard)

Features an Benefits :

Type

Facility

Special Pricing and Fee

1. Special Interest Rate

Tier Amount (Rupiah)	Interest Rate (%) / year
<100,000,000	0.00
≥100,000,000 ≤1,000,000,000	0.50
>1,000,000,000- ≤5,000,000,000	1.00
>5,000,000,000	2.50

2. Special Transfer fee (RTGS)IDR25,000.-
3. Special Transfer fee (SKN)IDR2,500.-

Regular Services

Cheque/Giro
Phone Banking
Fax Banking
Straight2Bank

Transaction Channel

Branch offices
Faximile
Straight2Bank

3. Business Management Account – International Trade (Current Account with Interest and Integrated Trade Facility)

Cash Management anchor product that combines your current account with international trade facilities, attractive interest, and special transaction and trade pricing. Streamlined for Small and Medium EnteIDRrises, International Trade Account is designed to provide integrated service for your export-import activities.

Name of Product	: Business Management Account (BMA) International Trade
Type of Customer	: Company (SME)
Currency	: IDR dan USD
Minimum Opening Balance	: IDR100,000,000.- / USD20,000
Average Balance / month	: IDR100,000,000,- / USD20,000
Administration Fee / month	: IDR200,000.- / USD20 (If Minimum Balance per month is below standard)

Features an Benefits :

Type

Facility

Special Pricing and Fee

1. Special Interest Rate:

Tier Amount (Rupiah)	Interest Rate (%) year
< 100,000,000	0.50
100,000,000 s/d < 1.000,000,000	2
1,000,000,000 s/d < 3.000,000,000	4
3,000,000,000 s/d < 5.000,000,000	5
≥ 5,000,000,000	5.75

Tier Amount (USD)	Interest Rate (%) year
< 25,000	0.00
25,000 - ≤ 300,000	0.05
>300,000	0.10

2. Special Transfer Fee (RTGS)IDR20,000.-
3. Special OTT & Telex Fee via S2B USD10 (flat)
4. Special Transfer Fee (SKN)IDR2,500.-
5. Straight2Bank montly fee: Free
6. 50% Discount for all Trade Facilities:

LC Advising	USD25 (Flat)
CBN with / without Discrepancy	0.125%, min. USD50 per transaction
Credit Bill on Collection	0.100%, min. USD50 per transaction
Export Bills on Collection	0.100%, min. USD50 per transaction
Open Import LC	0.125% per quarter, min. USD50
Import Bills for Collection	0.100%, min. USD50 per transaction
Bank Guarantee	0.250% per quarter, min. USD50

Regular Services

Cheque/Giro
Phone Banking
Fax Banking

Transaction Channel

Branch Offices
Faximile
Straight2Bank
Foreign Exchange Dealer

Other Features and Benefits

Special Access to Foreign Exchange Dealer
Foreign Exchange Consultant
Trade Specialist
Daily FX News via e-mail from Foreign Exchange Consultant
Weekly Economic Outlook via e-mail from Foreign Exchange Consultant

CURRENT ACCOUNT TRANSACTION COMPARISON:

Current Account Products, Facility & Price Guide	Regular CA	Business Saver	BMA International Trade
Interest Rate	N/A	tiered interest up to 2.5%	tiered interest up to 1.50% (IDR) / 0.10% (USD)
Minimum Open & Avg Balance	IDR 25 mio/USD 5,000	IDR 50 mio	IDR 100 mio / USD 20,000
OTT without exchange	0.13% X Amount + Telex IDR 30,000 (min USD 15 Max USD 200)	0.13% x Amount + Telex IDR 30,000 (min USD 15 Max USD 200)	USD 10 flat (via S2B) USD 20 flat (manual)
OTT with exchange	USD 60,000 + Telex IDR 30,000	USD 60,000 + Telex IDR 30,001	USD 10 flat (via S2B) USD 20 flat (manual)
ITT	USD 5 (flat)	USD 5 (flat)	USD 5 (flat)
RTGS	IDR 30,000	IDR 25,000	IDR 20,000
SKN	IDR 10,000	IDR 2,500	IDR 2,500
Cheque Book	IDR 130,000	IDR 130,000	IDR 130,000
Fax Banking	upon request (no charge)	upon request (no charge)	upon request (no charge)
Phone Banking	upon request (no charge)	upon request (no charge)	upon request (no charge)
Internet Banking	upon request ($ 20)	upon request ($ 20)	upon request (no charge)

GENERAL ACCOUNT OPENING REQUIREMENTS

Risk Factor

Any banking transactions as with other banking products contain risk factors. Our Operational and Customer Service team have acquired sufficient training to execute the transactions and deliver information to the customers on our transactions and products. We also advise that prior to opening an account and conducting a banking transaction, the customers read and understand the Terms and Conditions related to the product and transaction.

You make more transactionwe give special advantages

You make more transaction
we give special advantages