THE MOST FUNDAMENTAL OF OUR CONDUCT INTEGRITY. ACCOUNTABILITY. TRANSPARENCY LAPORAN TAHUNAN 2008 ANNUAL REPORT

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1 THE MOST FUNDAMENTAL OF OUR CONDUCT INTEGRITY. ACCOUNTABILITY. TRANSPARENCY LAPORAN TAHUNAN 2008 ANNUAL REPORT

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3 INTEGRITY Integrity defines the perceived consistency of actions, values, methods, measures and principles. Integrity requires three steps: (1) discerning what is right and what is wrong; (2) acting on what you have discerned, even at personal cost; and (3) saying openly that you are acting on your understanding of right from wrong. A company s desire to have a good ethical reputation characterizes the compliance mode; the focus is a rule-based approach to ethics. In the integrity mode, the firm becomes proactive in the promotion of ethical behavior and engages all of its stakeholders; the company begins to walk the ethics talk.

4 Profil Perusahaan Corporate Profile Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. 2 Laporan Tahunan 2008 Annual Report

5 Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt. 1 Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed 2 diam nonummy nibh euismod tincidunt. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. PT Wahana Ottomitra Multiartha Tbk 3

6 Visi, Misi dan Nilai - nilai perusahaan Company`s Vission, Mission and Values Visi Vission Menjadi salah satu perusahaan konsumen terbaik di Indonesia To be one of the best consumer financing company in Indonesia with good corporate governance. Misi 1. Mengutamakan kepuasan pelanggan dan mitra kerja lainnya. 2. Membangun kepercayaan dunia perbankan. 3. Pengembangan dan perluasan jaringan usaha, terutama di daerah potensial. 4. Mengoptimalkan kinerja perusahaan. Mission 1. Prioritize customers and business partners satisfaction. 2. Establishing IT manufacturing in order to perform good processing. 3. Develop and expand business networking, especially in highly potential areas. 4. Optimize Company s performance. Nilai - nilai Values AFFECTION Appreciation - Family Feeling - Enthusiasm - Creativity - Trustworthy - DeterminatION Penghargaan - Rasa Kekeluargaan - Antusiaisme - Kreatifitas - Dapat Dipercaya - Ketetapan Hati Budaya Culture Learning, Sharing & Coaching Belajar, Berbagi dan Melatih 4 Laporan Tahunan 2008 Annual Report

7 Sekilas Highlights PT Wahana Ottomitra Multiartha Tbk 5

8 Sambutan Presiden Komisaris Message from President Commisioner Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. 6 Laporan Tahunan 2008 Annual Report

9 Robbyanto Budiman Presiden Komisaris President Commisioner

10 Robbyanto Budiman Rita Mas`Oen Presiden Komisaris Wakil Presiden Komisaris President Commisioner Vice President Commicioner Sanjay Kapoor Komisaris Commicioner Robbyanto Budiman Presiden Komisaris Robbyanto Budiman menjadi Komisaris di WOM Finance sejak tahun 1997 hingga sekarang. Sejak tahun 1993 sampai sekarang Robbyanto menjabat sebagai Direktur Utama PT Wahana Makmur Sejati, main dealer sepeda motor Honda untuk wilayah Jakarta dan Tangerang. Robbyanto juga menjabat sebagai komisaris dan direksi di perusahaan lain dalam Grup Wahana Artha. Kelahiran tahun 1967 ini mulai bekerja untuk Citibank NA, Jakarta, dengan posisi terakhir sebagai Asset Services Unit Head, setelah meraih BSc dari University of Southern California, USA pada tahun 1987 dan MBA dari Northrop University, USA pada tahun Rita Mas Oen Wakil Presiden Komisaris Peraih BSc dari Arizona State University, USA ini bergabung sebagai Komisaris WOM Finance pada pertengahan tahun Berkarir sejak tahun 1984 di Arizona, USA, pada tahun 1985, Rita kembali ke Jakarta dan memilih dunia perbankan. Sebagai rintisan karir perbankannya, Rita bergabung dengan Citibank NA selama hampir 20 tahun di bagian teknologi, pemasaran dan terakhir sebagai Senior Country Operation Officer membawahi bagian operasional dan teknologi. Di tahun 2005, Rita bergabung dengan PT Bank Internasional Indonesia, Tbk. sebagai Chief Operation Officer, Executive Management dan kemudian telah diangkat menjadi Direktur Operations & Technology pada tahun Sanjay Kapoor Commissioner An Indian citizen. He has been a Commissioner of WOM Finance since March He is also a Director at PT Bank Internasional Indonesia, Tbk. (BII). He has been in Banking for over 20 years and has strong management background and in-depth Consumer Banking experience with Global and Country roles with Standard Chartered Bank in Asia and USA. Prior to joining BII in April 2004, he was the Head of Advisory and Investment Products with Standard Chartered Bank, Singapore at their Global Consumer Banking Headquarters responsible for business development and product management across countries in Asia. Prior to that he has held number of senior country roles in India and USA in varied areas like Consumer Banking, Treasury, Operations and Trade Finance. He is a Chartered Accountant and also holds Bachelor of Arts (Honors) degree in Economics. Robbyanto Budiman Presiden Komisaris Robbyanto Budiman menjadi Komisaris di WOM Finance sejak tahun 1997 hingga sekarang. Sejak tahun 1993 sampai sekarang Robbyanto menjabat sebagai Direktur Utama PT Wahana Makmur Sejati, main dealer sepeda motor Honda untuk wilayah Jakarta dan Tangerang. Robbyanto juga menjabat sebagai komisaris dan direksi di perusahaan lain dalam Grup Wahana Artha. Kelahiran tahun 1967 ini mulai bekerja untuk Citibank NA, Jakarta, dengan posisi terakhir sebagai Asset Services Unit Head, setelah meraih BSc dari University of Southern California, USA pada tahun 1987 dan MBA dari Northrop University, USA pada tahun Rita Mas Oen Wakil Presiden Komisaris Peraih BSc dari Arizona State University, USA ini bergabung sebagai Komisaris WOM Finance pada pertengahan tahun Berkarir sejak tahun 1984 di Arizona, USA, pada tahun 1985, Rita kembali ke Jakarta dan memilih dunia perbankan. Sebagai rintisan karir perbankannya, Rita bergabung dengan Citibank NA selama hampir 20 tahun di bagian teknologi, pemasaran dan terakhir sebagai Senior Country Operation Officer membawahi bagian operasional dan teknologi. Di tahun 2005, Rita bergabung dengan PT Bank Internasional Indonesia, Tbk. sebagai Chief Operation Officer, Executive Management dan kemudian telah diangkat menjadi Direktur Operations & Technology pada tahun Sanjay Kapoor Commissioner An Indian citizen. He has been a Commissioner of WOM Finance since March He is also a Director at PT Bank Internasional Indonesia, Tbk. (BII). He has been in Banking for over 20 years and has strong management background and in-depth Consumer Banking experience with Global and Country roles with Standard Chartered Bank in Asia and USA. Prior to joining BII in April 2004, he was the Head of Advisory and Investment Products with Standard Chartered Bank, Singapore at their Global Consumer Banking Headquarters responsible for business development and product management across countries in Asia. Prior to that he has held number of senior country roles in India and USA in varied areas like Consumer Banking, Treasury, Operations and Trade Finance. He is a Chartered Accountant and also holds Bachelor of Arts (Honors) degree in Economics. 8 Laporan Tahunan 2008 Annual Report

11 Mahendra Wardhana Komisaris Independen Independent Commicioner Garibaldi Thohir I Nyoman Tjager Komisaris Komisaris Commicioner Commicioner Mahendra Wardhana Komisaris Independen Mahendra Wardhana kelahiran tahun 1959 ini menjabat sebagai Komisaris Independen WOM Finance sejak tahun Sebelum bergabung dengan WOM, Mahendra pernah menjabat Direktur Kredit di PT. Bank PDFCI, Tbk. dan PT. Bank Danamon Indonesia, Tbk. Meraih gelar MBA di bidang Corporate Finance dari University of Southern California, USA tahun 1987, saat ini Mahendra juga menjabat sebagai Portfolio Manager di PT Global Consulting Indonesia. Garibaldi Thohir Komisaris Garibaldi Thohir kelahiran tahun 1965 ini menjadi Komisaris di WOM Finance sejak tahun 2003 hingga sekarang. Tahun 2004 tercatat sebagai Presiden Komisaris. Selain di WOM Finance, Garibaldi Thohir peraih gelar BSc dari University of Southern California, USA tahun 1988 dan MBA dari Northrop University, USA tahun 1989, saat ini menjabat sebagai Presiden Direktur PT Adaro Energy, Tbk. dan juga aktif memimpin dan menjalankan berbagai perusahaan yang bergerak di bidang pertambangan, properti, dan food industry. I Nyoman Tjager Commissioner An Indian citizen. He has been a Commissioner of WOM Finance since March He is also a Director at PT Bank Internasional Indonesia, Tbk. (BII). He has been in Banking for over 20 years and has strong management background and in-depth Consumer Banking experience with Global and Country roles with Standard Chartered Bank in Asia and USA. Prior to joining BII in April 2004, he was the Head of Advisory and Investment Products with Standard Chartered Bank, Singapore at their Global Consumer Banking Headquarters responsible for business development and product management across countries in Asia. Prior to that he has held number of senior country roles in India and USA in varied areas like Consumer Banking, Treasury, Operations and Trade Finance. He is a Chartered Accountant and also holds Bachelor of Arts (Honors) degree in Economics. Mahendra Wardhana Komisaris Independen Mahendra Wardhana kelahiran tahun 1959 ini menjabat sebagai Komisaris Independen WOM Finance sejak tahun Sebelum bergabung dengan WOM, Mahendra pernah menjabat Direktur Kredit di PT. Bank PDFCI, Tbk. dan PT. Bank Danamon Indonesia, Tbk. Meraih gelar MBA di bidang Corporate Finance dari University of Southern California, USA tahun 1987, saat ini Mahendra juga menjabat sebagai Portfolio Manager di PT Global Consulting Indonesia. Garibaldi Thohir Komisaris Garibaldi Thohir kelahiran tahun 1965 ini menjadi Komisaris di WOM Finance sejak tahun 2003 hingga sekarang. Tahun 2004 tercatat sebagai Presiden Komisaris. Selain di WOM Finance, Garibaldi Thohir peraih gelar BSc dari University of Southern California, USA tahun 1988 dan MBA dari Northrop University, USA tahun 1989, saat ini menjabat sebagai Presiden Direktur PT Adaro Energy, Tbk. dan juga aktif memimpin dan menjalankan berbagai perusahaan yang bergerak di bidang pertambangan, properti, dan food industry. I Nyoman Tjager Commissioner An Indian citizen. He has been a Commissioner of WOM Finance since March He is also a Director at PT Bank Internasional Indonesia, Tbk. (BII). He has been in Banking for over 20 years and has strong management background and in-depth Consumer Banking experience with Global and Country roles with Standard Chartered Bank in Asia and USA. Prior to joining BII in April 2004, he was the Head of Advisory and Investment Products with Standard Chartered Bank, Singapore at their Global Consumer Banking Headquarters responsible for business development and product management across countries in Asia. Prior to that he has held number of senior country roles in India and USA in varied areas like Consumer Banking, Treasury, Operations and Trade Finance. He is a Chartered Accountant and also holds Bachelor of Arts (Honors) degree in Economics. PT Wahana Ottomitra Multiartha Tbk 11 9

12 Sambutan Presiden Direktur Message from President Director Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. 10 Laporan Tahunan 2008 Annual Report

13 Suwandi Wiratno Presiden Direktur President Director PT Wahana Ottomitra Multiartha Tbk 11

14 Alex Hermanto Suwandi Wiratno 1 Presiden Direktur Direktur Keuangan 2 President Director Finance Director 3 Simon Tan Direktur Pemasaran Marketing Director Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. 12 Laporan Tahunan 2008 Annual Report

15 Dewi A. Sah Bandar Direktur Operasional Operation Director Jenny Tjandra Direktur Manajemen Risiko 4 5 Risk Management Director Suwandi Wiratno Presiden Direktur Kelahiran tahun 1963, Suwandi menduduki posisi Presiden Direktur di WOM Finance sejak bulan Juli Setelah meraih gelar Master of Bussiness Administration dalam bidang keuangan dari Golden Gate University, San Fransisco, USA tahun 1987, Suwandi berkarir di bidang keuangan pada berbagai perusahaan nasional dan internasional diantaranya PT Orix Indonesia Finance, PT Clipan Finance Indonesia, Tamara Bank, dan terakhir menduduki posisi Direktur di PT Pricewaterhouse Coopers FAS, sebelum bergabung dengan BII Group pada bulan Juli Alex Hermanto Direktur Keuangan Kelahiran tahun 1971 ini meraih gelar Master of International Management dalam bidang International Finance dari Thunderbird, The American Graduate School of International Management, Arizona, USA tahun Alex berkarir di perusahaan akuntan publik dan perusahaan pembiayaan hingga terakhir menjabat sebagai Presiden Direktur PT BII Finance Center sebelum akhirnya bergabung sebagai Deputi Direktur Finance di WOM Finance pada bulan Desember Maret 2008, Alex menduduki posisi Direktur Keuangan WOM Finance. Simon Tan Direktur Pemasaran Meraih gelar Sarjana Ekonomi dari Universitas Kristen Satyawacana, Salatiga tahun 1991, kelahiran tahun 1970 ini konsisten berkarir di bidang marketing sejak tahun Sebelum akhirnya bergabung dengan WOM Finance pada bulan September 2007 sebagai Deputi Direktur Marketing, Simon menduduki posisi sebagai Kepala Wilayah HSO Semarang. Maret 2008, Simon menduduki posisi Direktur Pemasaran WOM Finance. Suwandi Wiratno Presiden Direktur Kelahiran tahun 1963, Suwandi menduduki posisi Presiden Direktur di WOM Finance sejak bulan Juli Setelah meraih gelar Master of Bussiness Administration dalam bidang keuangan dari Golden Gate University, San Fransisco, USA tahun 1987, Suwandi berkarir di bidang keuangan pada berbagai perusahaan nasional dan internasional diantaranya PT Orix Indonesia Finance, PT Clipan Finance Indonesia, Tamara Bank, dan terakhir menduduki posisi Direktur di PT Pricewaterhouse Coopers FAS, sebelum bergabung dengan BII Group pada bulan Juli Alex Hermanto Direktur Keuangan Kelahiran tahun 1971 ini meraih gelar Master of International Management dalam bidang International Finance dari Thunderbird, The American Graduate School of International Management, Arizona, USA tahun Alex berkarir di perusahaan akuntan publik dan perusahaan pembiayaan hingga terakhir menjabat sebagai Presiden Direktur PT BII Finance Center sebelum akhirnya bergabung sebagai Deputi Direktur Finance di WOM Finance pada bulan Desember Maret 2008, Alex menduduki posisi Direktur Keuangan WOM Finance. Simon Tan Direktur Pemasaran Meraih gelar Sarjana Ekonomi dari Universitas Kristen Satyawacana, Salatiga tahun 1991, kelahiran tahun 1970 ini konsisten berkarir di bidang marketing sejak tahun Sebelum akhirnya bergabung dengan WOM Finance pada bulan September 2007 sebagai Deputi Direktur Marketing, Simon menduduki posisi sebagai Kepala Wilayah HSO Semarang. Maret 2008, Simon menduduki posisi Direktur Pemasaran WOM Finance. PT Wahana Ottomitra Multiartha Tbk 13

16 Suwandi Wiratno Presiden Direktur Kelahiran tahun 1963, Suwandi menduduki posisi Presiden Direktur di WOM Finance sejak bulan Juli Setelah meraih gelar Master of Bussiness Administration dalam bidang keuangan dari Golden Gate University, San Fransisco, USA tahun 1987, Suwandi berkarir di bidang keuangan pada berbagai perusahaan nasional dan internasional diantaranya PT Orix Indonesia Finance, PT Clipan Finance Indonesia, Tamara Bank, dan terakhir menduduki posisi Direktur di PT Pricewaterhouse Coopers FAS, sebelum bergabung dengan BII Group pada bulan Juli Alex Hermanto Direktur Keuangan Kelahiran tahun 1971 ini meraih gelar Master of International Management dalam bidang International Finance dari Thunderbird, The American Graduate School of International Management, Arizona, USA tahun Alex berkarir di perusahaan akuntan publik dan perusahaan pembiayaan hingga terakhir menjabat sebagai Presiden Direktur PT BII Finance Center sebelum akhirnya bergabung sebagai Deputi Direktur Finance di WOM Finance pada bulan Desember Maret 2008, Alex menduduki posisi Direktur Keuangan WOM Finance. Simon Tan Direktur Pemasaran Meraih gelar Sarjana Ekonomi dari Universitas Kristen Satyawacana, Salatiga tahun 1991, kelahiran tahun 1970 ini konsisten berkarir di bidang marketing sejak tahun Sebelum akhirnya bergabung dengan WOM Finance pada bulan September 2007 sebagai Deputi Direktur Marketing, Simon menduduki posisi sebagai Kepala Wilayah HSO Semarang. Maret 2008, Simon menduduki posisi Direktur Pemasaran WOM Finance. Suwandi Wiratno Presiden Direktur Kelahiran tahun 1963, Suwandi menduduki posisi Presiden Direktur di WOM Finance sejak bulan Juli Setelah meraih gelar Master of Bussiness Administration dalam bidang keuangan dari Golden Gate University, San Fransisco, USA tahun 1987, Suwandi berkarir di bidang keuangan pada berbagai perusahaan nasional dan internasional diantaranya PT Orix Indonesia Finance, PT Clipan Finance Indonesia, Tamara Bank, dan terakhir menduduki posisi Direktur di PT Pricewaterhouse Coopers FAS, sebelum bergabung dengan BII Group pada bulan Juli Alex Hermanto Direktur Keuangan Kelahiran tahun 1971 ini meraih gelar Master of International Management dalam bidang International Finance dari Thunderbird, The American Graduate School of International Management, Arizona, USA tahun Alex berkarir di perusahaan akuntan publik dan perusahaan pembiayaan hingga terakhir menjabat sebagai Presiden Direktur PT BII Finance Center sebelum akhirnya bergabung sebagai Deputi Direktur Finance di WOM Finance pada bulan Desember Maret 2008, Alex menduduki posisi Direktur Keuangan WOM Finance. Simon Tan Direktur Pemasaran Meraih gelar Sarjana Ekonomi dari Universitas Kristen Satyawacana, Salatiga tahun 1991, kelahiran tahun 1970 ini konsisten berkarir di bidang marketing sejak tahun Sebelum akhirnya bergabung dengan WOM Finance pada bulan September 2007 sebagai Deputi Direktur Marketing, Simon menduduki posisi sebagai Kepala Wilayah HSO Semarang. Maret 2008, Simon menduduki posisi Direktur Pemasaran WOM Finance. 14 Laporan Tahunan 2008 Annual Report

17 ACCOUNTABILITY Accountability is a concept in ethics with several meanings. It is often used synonymously with such concepts as responsibility, answerability, enforcement, blameworthiness, liability and other terms associated with the expectation of account-giving. In leadership roles, accountability is the acknowledgment and assumption of responsibility for actions, products, decisions, and policies including the administration, governance and implementation within the scope of the role or employment position and encompassing the obligation to report, explain and be answerable for resulting consequences.

18 Tinjauan Keuangan Financial Highlights 16 Laporan Tahunan 2008 Annual Report

19 PT Wahana Ottomitra Multiartha Tbk 17

20 Tinjauan Keuangan Financial Highlights 18 Laporan Tahunan 2008 Annual Report

21 PT Wahana Ottomitra Multiartha Tbk 19

22 Pengembangan Bisnis dan Strategi Usaha Business Development and Strategy Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. 20 Laporan Tahunan 2008 Annual Report

23 Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium PT Wahana Ottomitra Multiartha Tbk 20

24 Sumber Daya Manusia Human Resources Development Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis 22 2 Laporan Tahunan 2008 Annual Report

25 Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. PT Wahana Ottomitra Multiartha Tbk 23

26 Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum Laporan Tahunan 2008 Annual Report

27 Tata Kelola Perusahaan Good Corporate Governance Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. PT Wahana Ottomitra Multiartha Tbk 25

28 Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.

29 Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.