Sinarmas Saving Plan

First Deposit	: IDR 100.000,-
Monthly Deposit	: IDR 100.000,- to IDR 20.000.000,- (multiple of IDR 500.000,-)
Minimum Balance	: IDR 100.000,-
Profit Share Minimum Balance	: IDR 100.000,-
Minimum Balance Bonus	: IDR 100.000,- (multiple of IDR 500.000,-)

Nisbah Table:

AKAD	NISBAH (Profit Share)		BONUS	EQUIVALENT RETURN	ACTUAL RETURN FEBRUARY 2012
AKAD	CUSTOMER	BANK	BONUS	EQUIVALENT RETURN	ACTUAL RETURN FEBRUARY 2012
Mudharabah Muthlaqah
1 year	58.33 %	41.67 %	Based on Profit Share Commitee Policy	7.00 %	7.33 %
2 years	62.50 %	37.50 %		7.25 %	7.64 %
3 years	64.58 %	35.42 %		7.50 %	7.85 %
4 years	66.67 %	33.33 %		7.75 %	8.06 %
5 years	68.75 %	31.25 %		8.00 %	8.34 %

Fees and Charges:

25.00

AKAD	COMPONENT	FEES and CHARGES
Mudharabah Muthlaqah	Monthly Administration Charge (Statement)	IDR 3.000,-
	Monthly Administration Charge (Passbook)	IDR 6.000,-
	Penalty Under Minimum Balance	IDR 10.000,-
	Closing Accounts	IDR 50.000,-