Employee Benefit Program (EBP) JTrust

Business Entities/Enterprises that can be categorized as a customer in the EBP are:

1. Willing to sign the Agreement of Cooperation (PKS) with the Bank for the implementation of this program.
2. Willing to perform salary deduction and/or transfer of employee’s salary payment to the account designated for payment of installments in the Bank.
3. Willing to give recommendations to employees, which refers to the category of the cooperation scheme.
4. Assist repayment process by giving information to the Bank about the debtor resignation/retirement and prioritize to cut allowance obtained by the debtor for the credit payment, if the debtor resign/retire.

• Multinational Corporation
• National Private Corporation
• BUMN
• Foreign Capital Investment Corporation (PMA)
• Listed Corporation (Tbk)
• Business Entities from existing customer or referral from bank working unit
• Cooperative that directly affiliated with the company

Able to obtain financing solutions to fulfill variety of consumer needs, such as home purchase, motor vehicles, electronics, furniture and any other urgent needs such as educational needs, wedding, holidays, etc.

• For KTA/KKB, available 12 months up to 60 months for Employee Benefit Program (EBP), or 1 month before the employee retire.
• For KPR (mortgage), in accordance with the KPR bank provisions.

Tenor (in months)	12 Months/ (1)year	24 Months/ (2) years	36 Months/ (3) years	48 Months/ (4) years	60 Months/ (5) years
10.000.000	907.309	489.631	351.570	283.403	243.181
30.000.000	2.721.926	1.468.893	1.054.711	850.208	729.542
50.000.000	4.536.543	2.448.156	1.757.852	1.417.014	1.215.903
100.000.000	9.073.086	4.896.311	3.515.703	2.834.028	2.431.806
250.000.000	22.683.715	12.240.778	8.789.258	7.085.070	6.079.514

General conditions for employee to obtain EBP

1. Individual/Indonesian Citizen.
2. Working in a business entities who have partnership with EBP.
3. Minimum 2 years working experience.
4. Minimum age 21 years, maximum retire age at the credit maturity.
5. Obtaining recommendation from the company.
6. Fill out application form.
7. Be insured.

Documents that need to be prepared are the following:

1. Recommendation letter from business entities.
2. Copy of valid ID/passport including KIMS/KITAS for foreigner
3. Copy of latest payment slip.
4. Copy Applicant’s Tax ID or copy of Annual Income Tax Report

Special for KTA

• Loan from Rp. 10.000.000 - Rp. 200.000.000.-

For loan facility of KPR/KKB, these following extra documents are required:

1. Copy of Family Registration Card
2. Copy of Marriage Certificate (if married)
3. Copy of Divorce paper (if divorced)
4. Copy of Notarial Deed of Prenuptial Agreement (if any)

For KTA

• Bank Provision 1% from credit limit.
• Administration fee of Rp. 100.000,- per end user
• Insurance