RETAIL AND SUPPORT EXECUTIVE COMMITTEE RSEC

Annual Report 2013 PT Bank Mandiri Persero Tbk.

1.4. Risk Capital Committee – Operational Risk Committee RCC-ORC

RCC-ORC is a subcommittee established to assist the Directors in preparing, discussing and recommending operational policies of Bank Mandiri, bank product transparency policies and Customer personal data use. Frequency of Meetings Attendance Rate NO Name No. of Meetings Total Present Total Absent Attendance PERMANENT VOTING MEMBERS 1 Zulkili Zaini 1 1 100 2 Riswinandi 1 1 100 3 Sentot A. Sentausa 1 1 100 4 Pahala N. Mansury 1 1 100 5 Kresno Sediarsi 1 1 100 NON PERMANENT VOTING MEMBERS 6 Abdul Rachman - - - - 7 Budi G. Sadikin 1 1 100 8 Sunarso 1 1 100 9 Fransisca N. Mok 1 1 100 10 Royke Tumilaar - - - - 11 Mansyur S. Nasution - - - - 12 Ventje Rahardjo - - - - PERMANENT NON-VOTING MEMBERS 13 Ogi Prastomiyono 1 1 1 100 Invitee 14 Riyani T. Bondan - - - - Number of meetings of each group based on agenda In 2013 January 2013 – 6 May 2013 RCC-ORC has made the following discussions: 1. Approval of Segmentation SPO and Customer Management 2. Approval of Reined SP PKBL 3. Approval of Reined CO Loan SPO - Retail

2. RETAIL AND SUPPORT EXECUTIVE COMMITTEE RSEC

subcommittees accountable to board of directors Annual Report 2013 PT Bank Mandiri Persero Tbk. RSEC is a subcommittee established to assist the Directors in stipulating product and development strategies or in performing activities in retail sector including Micro and Retail Banking, Consumer Finance and Business Banking and in setting up standardization and strategies relating to scope of bank-wide procurement of goods and services, general services and real estates. Frequency of Meetings and Attendance Rate Name No. of Meetings Present Absent Attendance PERMANENT VOTING MEMBERS Budi G. Sadikin 5 5 100 Sentot A. Sentausa 6 6 100 Pahala N. Mansury 6 6 100 Kresno Sediarsi 6 6 100 Mansyur S. Nasution 1 1 100 Hery Gunardi 4 4 100 Tardi 2 2 100 Ventje Rahardjo 6 6 100 NON PERMANENT VOTING MEMBERS Sunarso 2 2 100 Royke Tumilaar 1 1 100 PERMANENT NON-VOTING MEMBERS Ogi Prastomiyono 6 6 100 Number of meetings of each group based on agenda The Retail Support Executive Committee Duties and Responsibilities: Assisting the Directors in the implementation of their functions, including: 1. To determine the strategy and procedure of funding products, loans and services or retail activity covering Micro Retail Banking, Consumer Finance and Business Banking in accordance with Product Manual or Loans Standard Procedure SPK inclusive of developments and amendments. The Business Banking supervision and management remain under the Commercial Business Banking Directorate. 2. To review, establish and monitor the retail strategic initiatives such as Product ManualSkimProjects that covers Micro Retail Banking, Consumer Finance and Business Banking including the bank-wide services and goods procurement, general services and real estates. 3. To determine and decide on issues that are related to the cross-Directorate Performance Management System PMS through coordination with the related Field Director. 4. To discuss and stipulate business development related with the cross-Committee alliances by inviting the related Field Director and EVP Coordinator and Group Heads. 5. To conduct the strategic discussion in the scope of Retail, inclusive of but not limited, to the discussion of subsidiaries and entities under the control of the Company. subcommittees accountable to board of directors Annual Report 2013 PT Bank Mandiri Persero Tbk. In 2013 Jan – 6 May 2013 RSEC has conducted the following: 1. To give approval of New Products and Activities PAB and direction on: - Proposed Issuance of Mandiri Visa Distribution Card Tirta Amarta - Proposed Issuance of Co-Brand Credit Card of Sulselbar Brand 2. To give approval and direction on: - Proposed Mandiri Deposito on Call Product Manual - Proposed e-Money Product Manual - Proposed Mandiri TabunganMU Product Manual - Proposed Consumer Segment Credit Product Manual Revision except for Credit Card 3. To give approval and direction on: - Proposed Pilot Project of Business Banking Credit Process for Limit above Rp 200 million – Rp 500 million by issuing Procedure Memorandum - Proposed Amendment to Pilot Project Process Flow for Micro Business Credit Extension KUM and Bad Debt Handling and Procedure Memorandum Issuance

3. WHOLESALE EXECUTIVE COMMITTEE WEC