UTANG BANK BANK LOANS

Indonesian language. PT WISMILAK INTI MAKMUR TBK DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2015 dan 2014 Disajikan dalam Rupiah, kecuali Dinyatakan Lain PT WISMILAK INTI MAKMUR TBK AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2015 and 2014 Expressed in Rupiah, unless Otherwise Stated 49 16. UTANG BANK lanjutan 16. BANK LOANS continued 3. PT Bank Central Asia Tbk 3. PT Bank Central Asia Tbk Perusahaan The Company Utang Bank Jangka Panjang Long-term Bank Loan Berdasarkan Perjanjian Kredit No. 5 tanggal 1 Maret 2011, Perusahaan melakukan perjanjian kredit dengan PT Bank Central Asia Tbk BCA untuk fasilitas kredit investasi dengan jumlah maksimum kredit sebesar Rp5.000.000.000. Fasilitas ini digunakan untuk pembelian mesin filter rokok. Fasilitas ini berlaku mulai tanggal 1 Maret 2011 atau tanggal lain sesuai perjanjian BCA dengan Perusahaan termasuk 9 bulan grace period dan akan jatuh tempo pada tanggal 1 Maret 2016. Tingkat bunga efektif yang dibebankan sebesar 11,75 per tahun. Pada tanggal 31 Desember 2015 dan 2014, saldo utang pinjaman ini masing- masing sebesar Rp294.014.907 dan Rp1.470.074.533. Based on Loan Agreement No. 5, dated on March 1, 2011, the Company entered into a loan agreement with PT Bank Central Asia Tbk BCA for an Investment credit facility with total maximum credit of Rp5,000,000,000. The facility was used to purchase cigarette filter machine. This facility is applicable starting from March 1, 2011 or other date according to the agreement of BCA and the Company with 9 months grace period and will mature on March 1, 2016. Interest rate is 11.75 per annum. As of December 31, 2015 and 2014, the outstanding balance for this facility amounted to Rp294,014,907 and Rp1,470,074,533, respectively. Jaminan atas fasilitas kredit investasi tersebut berupa 1 unit mesin produksi filter AFKDF 2 400 mmin filter maker with hand catcher, filter diameter 6,95 mm, panjang 120 mm milik Perusahaan yang terletak di Surabaya beserta seluruh perlengkapannya yang tersimpan di Jl. Buntaran 9A, Tandes, Surabaya Catatan 12. b. The collateral of the above facility is 1 unit machine filter AFKDF 2 400 mmin filter maker with hand catcher, filter diameter at 6.95 mm, filter length at 120 mm that belongs to the Company which is located in Surabaya and all the supplies which are located at Jl. Buntaran 9A, Tandes, Surabaya Note 12. Selama periode perjanjian kredit, Perusahaan tidak diijinkan melakukan kegiatan-kegiatan berikut tanpa ijin tertulis dari BCA, seperti : - During the period of the loan, the Company is not allowed to carry out the following activities without written approval from BCA: - Memperoleh tambahan pinjaman dari bank atau lembaga keuangan lainnya; - - Obtain an additional loan from other banks and or other financial institution; - Meminjamkan uang termasuk tetapi tidak terbatas kepada perusahaan afiliasi kecuali untuk kegiatan operasional sehari-hari; - - Lending money to other companies, including but not limited to afiliated companies except for daily operations; - Tidak diijinkan melakukan penggabungan, pengambilalihan, maupun pembubaran; dan - - Not allowed to do merger, acquisition, and liquidation; and - Mengubah status institusi. - - Change institutional status. Manajemen Perusahaan berpendapat ketentuan-ketentuan tersebut diatas sudah dipenuhi pada tanggal laporan posisi keuangan konsolidasian. Company’s management is of the opinion that the above negative covenants were complied as of consolidated statements of financial position date. Indonesian language. PT WISMILAK INTI MAKMUR TBK DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2015 dan 2014 Disajikan dalam Rupiah, kecuali Dinyatakan Lain PT WISMILAK INTI MAKMUR TBK AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2015 and 2014 Expressed in Rupiah, unless Otherwise Stated 50 16. UTANG BANK lanjutan 16. BANK LOANS continued