Kodifikasi Peraturan Bank Indonesia. Kelembagaan. Penetapan Status dan Tindak Lanjut Pengawasan Bank

Transkripsi

1 Kodifikasi Peraturan Bank Indonesia Kelembagaan Penetapan Status dan Tindak Lanjut Pengawasan Bank

2 DISCLAIMER Isi kodifikasi ini adalah himpunan peraturan Bank Indonesia yang disusun secara sistematis berdasarkan kelompok dan topik tertentu untuk memudahkan pembaca memahami peraturan dan menelusuri rekam jejak keberlakuan suatu peraturan Bank Indonesia.Penyusunan kodifikasi ini telah melalui proses pemeriksaan dan editing terkait keakuratan dan kelengkapan peraturan yang dikodifikasikan. Namun demikian mengingat bahwa peraturan Bank Indonesia dapat berubah dari waktukewaktu, maka setiap akses dan penggunaan atas kodifikasi ini agar dilakukan secara bijaksana dengan memperhatikan tanggal unggahdansumber orisinal dari masing-masing peraturan Bank Indonesia yang dirujuk. 1 1 Peraturan Bank Indonesia dapat diakses pada situs resmi Bank Indonesia atau melalui fasilitas pencarian peraturan pada situs resmi Bank Indonesia (

3 Kodifikasi Peraturan Bank Indonesia Kelembagaan Penetapan Status Lanjut Pengawasan dan Tindak Bank Tim Penyusun Ramlan Ginting Chandra Murniadi Dudy Iskandar Gantiah Wuryandani Zulkarnain Sitompul Siti Astiyah Wahyu Yuwana Hidayat Komala Dewi Wirza Ayu Novriana Chiristin Natalia Hutabarat Riska Rosdiana Pusat Riset dan Edukasi Bank Sentral (PRES) Bank Indonesia Telp: Fax.: Hak Cipta 2013, Bank Indonesia 2013

4 B BBFABBADBBBEBD BB B A BCDEF FFF EFCCEAFAACAEAA FFF BE F EFFC F EFADAAEF F ACACCEAFAACAEAA ABCDEF CDE A ABCEDF CE A ABCDE CED B ABCEF CDEDF B ABCFDEFF CDF ABCF CDFED ABCF CD AB ABCF CD FAACAAAACCEAEA EE ABCF CD AA ABCFED CDED BAAB ABCEF CDED ABC C AABBB ABC CE AB ABC CE ABBA ABC CE ABAA ABCE CE A ABCD CEF AB ABC CFEFD ABCF CFD FAACAAAACCEAEA EE ABC CFDEF AA ABCE CFEF BAAB ABC CFEF ABCD CF AABBB ABC CFEF AB ABCF CFE ABBA ABC CEF ABAA ABCE CFE A ABC CE

5 B BBFABBADBBBEBD AB ABC CE ABC C FA BDABABA CED BABABA CEF BFABAB C BA C BABABA A CE BABABA A CE BABABA C BAA CD

6 B BBFABBADBBBEBD BBEFABCBEFBBABEBCFB B B B D BBFBADB BBEBD D BD E D BADBBBAB BBFEBD D BE D BBFEBDAB BBEBDAEAB BBBDBB D BBFEBDAB BBEBDAEAB BBBDBB BD BBFEBDAB BBEBDAEAB BBBDBB ABDBB BD BBEBDA BB D BADBBBBBA EBDBDF FBB D BADBBBBBA EBDDABD FBB D BADBBBBBA EBDDABDA FBB ADD EBBB D BBFEBDDAB DBB ABDBB D BE B B AE B B A BBBBBB BBBABBAB BBBB BABBAB BBB BBFBBBABAB BABBABBABB BBBBAB BABBBB DB DBBB BABABEBD DBBB BEBDBAB EBBB EBDAEBDBABA ABB DBBBB DEBD DBBB BEBDBABE BBBBBBD EEBD DBBBBBD BEBD DBBB ABBBA DBBEBD EBBBA DBBBA EFABF DBBEBDDAB D DBBEBDDAB DF CAA EC ED D FCED FCADED D ECAD ED D BBFABBADB BBEBD BBB ABCDEFC B

7 B BBFABBADBBBEBD BE BABBAB BBBBDB BA ABBBAB BABB BABBABBBBEBDBABBADABB BABBABB BABBABBBBBDBF BABBABBBBBBFBBBA ABBBABBABB EFFC BABBABBBBB BABBABBBBB BABBABBBBDB BEBDBABEBBBBABABEBD B EBD BAB E B B EBD BAB EBBBEBDAEBDBABAAB B BEBDBABEBEBB DEBD B EBD BAB E B B EBD BAB EBBBBBBDEEBD BEBDBABEBBBBBDBEBD BEBDBABEBBBABBABC DCE FCABEBDBABBFCABEBDBAB BBBBDEBD FCABEBDBABBBBDBEBD FCABEBDBABBABBABC DCE EFADAAEF BEBDBABEBBBBFBADBBB EBDBBB BEBDBABEBBBBFBADBBB EBD B EBD BAB E BB BAD B BBBB A EBD DABDAFBB B EBD BAB E BB BAD B BBBB A EBD BDFAFBB FCABEBDBABFBADBBBBBAEBD BDFAFBB FCABEBDBABEBADBBBBBAEB DABDAFBB F B D EBD BAB C BB BB B BABDAE

8 B BBFABBADBBBEBD EF CACA AA A ACACCEAFAACAEAA EE E EBD A EBD B DDB DB DBBBBADAABABBABB BBBDBBAABBBABBAB B D DB B A BD B DAADBAB BBFBBBBBAFAAB DBADAABABBABB BB BB FBB B A ABB BABBAB B BB BB B B BB BABBAB B BB BBABBABBBB BBFBBBABABBAB D EBDBDABDBAAD BADAABABBABB BBB EBDBDABDBAAD B ADA A BABBAB B BBB EBD BD AB D A B BADAABABBABB BBDB A DBBABDBDAADBABA BBDBB ABD BDAADB A B DB B DB B AB BD A BDBB B EBDBDABDBAD BADAABABBABB BBB EBDBDABDBAB B ADA A BABBAB B BBB EBD BD AB D A B BADAABABBABB BBDB E EBDBABBBBDBBBEBD FBBEBDBADAAAA BBB F E C BCE A BCE CB CC C EC E

9 B BBFABBADBBBEBD EF E CACA BBBB FECBCECEEBC BAECE BCE CB ECC C BCEACCAE CCECCCCBBCE EBCEA AE ECE C BCE C CAECEC BBD FECBCEEEEBC BAECE BCE CB ECC C BCE A BCE CE C CAE CCECCCCBBCE EBCEAAEECECBCECE BCACCAE CEC EBD A BB B BB AB D B B BDB D D B AB B BBA EBD BDB BB BAD BBDAEBDBAB FECBCEAC BCE E CBCAC BC CEC C BC ABAE CBACE CBBCECEECCC ACECCBCCEC CCBCE ACCEBCEEB CECCBCCCEBCE BBBBBADABBDBDDBB DB ADBDB EBD B A BB BAD B ADA A B DA DBB EBD BABBBBBBDDBBD EE A E EBD BAB BDB EBD A BB BB D AB DBDBBDBDBBBB EBDABDBDBBDBDBBB BBADAADB DD BBABABABB AABBBBDBA DEBDBABEBD CCEAECEBAEA C B CC ACE CC C BCCA

10 B BBFABBADBBBEBD EF CACA A B DB A B B B ADBEBDBAB CEAACECE CCACECCCBCCA ACACC CCECAEC B C C EECE EC E CC ACE CC C BCCA BAABB A B BB DB A B ADBBDBABEBDAB ADBBBEBDBABEBDDB DABA FECBC CC CC B EC E CC ACE CC A F E C BCE E CE BC BAEE BE BAEE BCC B CCC CBAEE BCCBC AAC BAEE E E EC EC ECECBE BCC BCBCACBECE CEBE CC B CBCAC BCBCCBAEAECCCBA A DABBBBBA BADA CCECE CECECCACE CCBCEEC C EA C CE EC CA C B CC ACE CC BC CEC BDDBEBDABBBDD C ABAE CEC EC E CC ACE CC BC CEC

11 B BBFABBADBBBEBD EF E E CACA BDDBEBDABBBDDABA BBABBBD CECECC ACECCBCCEC BADAAABD EBD F D DB DBB EBD BAB BBDBBABABEBDF EBDBABBDBEBDABBBBB ADAABDBDDBB DBBEBDBAB CBCECEB ECECECEC EBDBABA BBBDDBBBB BADAABBDDABB B B BD EBD A BB BB B B DABBBBBA BADAABBBBDD F E C BCCCE CE ABCE BCCCE C CE A BCA A C EECCEEEECCC CBCEEBC BDDBEBDABBBDD AB C ABAE CEC EC ECCACECCBC CEC BDDBEBDABBBDDABA BBABBBD CECECC ACECCBCCEC BBBBDDEBDABBBBDB B ADA A A BBDBBADBBB F E C BC BCE BC BCE BCCB BCE CB C C BCEECBECC

12 B BBFABBADBBBEBD EF E E CACA EBDBABDBDAEBDBB BB EBD A BB BB B ADA A BBBBBBDDEBDABBBB BADAAAABBB BBBDBDBADBBBB ADDBEBD EBDABBBBDDBBADBBBB ABDBEBDBABBB DBCEBCACEECEC BCE BDDBDABBABBDB DBEBDABBAEBD B B BD BB B ADB ABB DA B B AB DEBDBDADD FECCCECBCE CB AA EC C FECBCBCEC ECCACECCEE BCCC ADDDBBBBAB A ADDDBBBAAA DCEEEABCCBC AEBCECAECBCE CAEEBCCCE DAEBDDBA ADDDBBDBABBDDABD BBADBEBDBAB FECEECCBC BCCEEBCCECBCCECCC ACECCACECCEC FECBCBCEC ECCACECCEE BCCC FECBBCA CCBC DBBBBBBADABDBB D

13 B BBFABBADBBBEBD EF E E CACA F E C BCCBA BCE E BCC E ECEE EC CEBCE AD DDB B BB ABBABAB BBABDBEBDDA BDDB ADDDBDBBBDB D ADDDBDBB BBBDBEBD ADDDBBDBBD B DDBDBAABBBDB BBBABDEBD C C AEE CE B ECEC BDBBBBDBEBDDA DBAB B EBD DA B A B DBEBD EBDABBBB BDBBBBADBBAA BDBBBBAD BDBADDBDAB A DDBBADBBBABDBBB ADBEBDBAB AACCEEECEE B EBDADBEBDABBBBDB BABBADAA AB B B DBB B ADAAEBDABBEBD BDBBBDBABBBB BBABEBD BBADAAAB ADBBDDEBDADBA BBBB E BBBADBADAA BDBBBDBABBBB AAEBDABDDBBB EBD BAB DDB BB BAD B ADAABDDBBBAD ABD

14 B BBFABBADBBBEBD EF E E E CACA BBBADBADBADEBDBABEBD BDBDBBBBADBD DBBBDB BB DB AB B ADA A ADBDAEBDBABB DDEBDADBABBBB BBDBABEBDBADAA BDBDBEBDBDBAB B ADB EBD BAB A BD D B ABDBBADAA EBDBABBBBDBABB DDBBDBABABD BBDBABBADAA ADEBD BDB BB DBAB BDDBBDB EBDBDBDAEBDBABBBB BADBADAAAB DBBDBABBADAA DBBDB DB BBADAABB BEBD BADBDBAB DDBBDB BACEECBBACEEECC BCBCACECACE EBDADBADAABBBBDBA EBDDABAADBDBADA A EBDBABDBDAEBDBADB DABBBB EE A E EBDBABBDBEBDABBDEBD BADBABBBBEBDABB B AB B DB B DB DBBB B EBD AB B DB B DB DBBB BBADAAB DD DBAABB CC CC EC E CC ACE CC C BCC A

15 B BBFABBADBBBEBD EF E E E CACA ADBABABADB BBEBDBAB CCCCBECE CCACECCA EBDBBDABA FECCBCEECE CBAEEBEBAEEBCCB CCCCBAEEBCCBCAAC AEE E E EC EC ECECBEBCC BCBCACBECE CEBE CCBCBCAC CBCCBAEAECCCBA EBD B DBB B D A D BD F E C C BCC CEBCEA ECC EBD BAB BDB EBD A BB D B ADAABDBDDBBD BBEBDBAB EBD BAB DB DA EBD BB BB EBD A BB D B ADA A A ABB B BB BDBD BADBBBBADDBEBD EBDABBDDDBBBABD B DB BB A B AB DB BBBABBDBBBD C A B AC BCC E BCEA F E C CC C CC ACECCCBCCA CCACECCA BB A B ADA A AB ABDDBADAA

16 B BBFABBADBBBEBD EF E E E CACA BDBBDEBDBABBB BEBDBBBDBBB EBDBABDBDFDEBDBABFDEBD BABFAEBDBABBBEBDF EABFEF BEBDBDDB BBDEBD BAB DCEBCCC BCC E EC EC CEE CBCCEC BCCECEBCCE CCBCCECEC BCCECABE C E B CC BCCECEC CBEECCEECBBCECC DCE BCC E EC CEE C BCCECECEB E BCC E CB CC C BCC E C CBC CEB C C C C CE CB CE CCAC BBBADDDBDDB BBABAEBDADDDEBD DBEBDBABAB CCCCBCCEBCCBCC CBCCACECCCB CBBABCCE BDBEBDBDDBBDDB EBDDBAB FBBADBBBBADAAAB EBD BAB BB BDB EBD A BBDBD DDBBADB BB B ADAA BADBBBBADBAEBDABB BBABDBD EBDBABDDBDBBEBDABB D B B A A BB D BADAA DCCCECCCECE CEEBCBCE

17 B BBFABBADBBBEBD EF E CACA EECBEEEECC F E C C E C E ECEEEAA D C C EC C C AADECEE AADCC EBDBABBDBAEBDDBDAB FECAEECCB CCCBB CCBBCEC B C C CB B ECCEECEBCC ABBDBBBDBBADDBDB ABBBBA F E C BCC E BCC C B CCACECCCBCB BABCCE EBD A BB D BDB DA EBD BAB B DBB DB B AB B DBBAB BB D AD EBD DB B ADDDB ADB DB BDDBDDBEBDDB A BABADBBB A DB BB BB B B ADDDBADBBBB A DBBBBBB AB DBEBD DB DADD BBBBADBEBDBAB BDBBDBABBBB A A EBD B BB A B A BD DDAB D DB DD D EBD D AB D D EBD ABB B BBA D CECACEAB BA E CABA E C B BCACECBBCEC CEEECCCB CBCCEBCCCCECACE BDDBDBDDBBAB ADBABBBBBAB ABBADBDBBADBEBDBAB

18 B BBFABBADBBBEBD EF E E E E CACA F E C BA BACE E E BA EC E CC ACE CC BCCBCCEAEAE B B ADA A ADB DA EBD BAB B D D EBD ADB A BBD EBDBABBDB EBDABBDBADDBDBB BDBADAAB BADBDBBADDBEBDABBB BABDBEBDBABBADAA AB EBDBABBDBEBDBADAA BDDBDBBADBDEBD ABBDBAA C B ACBC ACE C BA BBBADAAABADDB AADBBBABABA ACBCEBDBAB C B ACBC ACE C BA EBD B ADA A DB DABBDBBBBDBBB ADDB AB B B ADB EBD BAB B ADAAAB BBADAAADDBA BABBAEBDBAB EBDBABDBDAFBBEBDBADB ABBDBADAA BDAFBADAA A ABBDBBBBDBAEBDBBDB EBDBABDBDABBBB A B BAD AB B BD EBD BB BADB B ADDB EBD BAB A EBD B ADB ABBD CC CB AAE BCE CC CB BCE BCE E AAEBCECECCBAECC ACEECBCEBE BC CB A CCCCECBCE

19 B BBFABBADBBBEBD EF E E CACA ABEACCCC CEC BBADAAADDBADB D ABB EBD BAB ABB BB B BBABBADABBBDEBD FECCECECEBCE ECEEAEEACEBCEA EBDBABBDBEBDABBDEBDB ADAADB BDDBADAA BBDBAEBDBBB ABBDBABAB ABADAABDDBBAABBAB A ABB DB A B BABABADAADBABBDBB EBDBABBD FECCCACEC CCACECCA BDDBADAAAB EBDDBAABBAB ADBAB EBDBABDBDAEBDABB DBADBEBDADAADB EE B E EBD BAB BB EBD A BB D ADDEBDBABBDAB B BDB DDB A BD BB AB BBBB DADBBBABBABB F E C BC BC BC BC C CC BC EEC CEEEECC CCAECAEC EEEECC E EBDABBDBABADD B ADA A B B ADAAEBDBABBB ADAABDDB EBD B BDB AD D AD AD DAB DBBBBDBBBABBDBBDBD BBBBAEBDBADBADD

20 B BBFABBADBBBEBD EF CACA E EBDABBAEBDBADBADD B ADA A DDB BDBD BADBBABDBBBEBDBBDB EE B E EBDABBDABADADDAB BDBADAAEBDBAB DBABBDBFBDDDBBB ADDDBBBAEBDBBDB E E FDBBDADDDBBBA EBDBADAAEBDBABDDB BB B EBD B BDB BDBAF BBBEBDBABBB ADA A ADDB F ABB BAB BABBBD CCCEACCBBC BCEBE EBDBAABBBBBBFADDB ABBEBDABBBBEBDA BBD EBDBADAADBDDB BADBBBBADBEBDBAB EBD B ADA A B D B ADA A AB EBD BABBDBEBDEBDBADAADB EBD BAB DB DDB BDBD B ADA AAEBDBADA A EE E BB B AB B B ADDB EBD BAABEBDBABBADBDA EBDBABABB DBBEBDDBD EBDBDBADDBEBDBAB BDBEBDBABEBDB DBADDBEBDBAB EE E EBD B B DBB A AB AB ADBDBBDABBADAABAB BAB B BB BDB B A

21 B BBFABBADBBBEBD EF CACA ABBBABBABB BBB D AB BB EBD AB BBADBDB FECECC CEECECD AB E ADBBEBDBABB EBDBADBABBBBDDBB D EBD A BB BB D ABB BDDBADBEBDBAB EBD B ADB A BB BB DB DABBBBA B A DA AB BBB DD BDDBEBDABBBDD BD DB EBD ABB BD D AB DBBABBBDBD DEBDABBBBAABB DABBB BBB BD D EBD A BB BB DB BDBADAABD BD A ABB BBDB BADB BB BADAA A E EBD B ADB A BB BB DB BDBDDBDDBEBD ABB BD D BB A ADBADAABBBBAEBD BBBDDBABBBDD ABABBBD FEBDABBDDABBBD DBADBEBDBAB FA AC AAAA A FCA C CCEAEAEE EE E EBD DAB D B BB A E A EBD DABDBADAABABBAB BBBBDBBAABBBAB BABBBDBDBDB DBBB BBFBBBBBAFAAB D B ADA A BABBAB B

22 B BBFABBADBBBEBD EF CACA BB BB FBB B A DABBBABBABBBBBB B B BB BABBAB B BB B BABBAB B BB BBFBBBABABBABB D BAB B B B DBAB B BAB A B B BB A ABB A BABB B A BD A DBBDBAABEBD BABBBBBABABEBDDAB D EABBBAABBABABBB DAABBBAADBBEBD BABBBBBBDBEBDDAB D EE AA E E EBD BAB B E B DB B DB DBBB B D E ADB ABBD CACECEBCCC EBABCCE EBD BAB BDB E A BB D BADAAB DD DBAB EACEBABCCEC BBDDBAB ECCCCE BAEE BAECCC EBD BAB DB BB BB E A BBDDAEBBDB CCCCBCCBEEBCEEE C E B EB EC E BCC C BCE BCC E EBECECBAEE BDBBDBADAA EBDBABABDBEABBEBD DDBBADBBB BA BDDB DA B B AB BDB DBEABBAB

23 B BBFABBADBBBEBD EF E CACA BBBDABBE A DDBDBAABBEB BEDABABDB E BDBBBBDBEDAD B BBABDBEDAD BAB BBDBDBBADBADB EBDBAB CE BC ACE E E CC ECEEAA DCCECCC AAD EBADBABBDBADA A BDBBBBADABBBEB ABBBBAABD DEADBABBDBABABB DBABBFBBAE FEABCEECCBC CB C BCC C BC BCA E EC B C EE BCEEE DBDBABBADAA BDB B DBB A B B ADA ABDDBBA B EBCBBABCEAB BCECCBCEABCEC CB E BCE EE BA EEBBBC EEBCEEE A DDB BB A B B ADB B ADAABBEBDBAB CBCCEABACACE BCBCACE C BCCCE EE ECE C BCCAEECABCCEE CBACECBC

24 B BBFABBADBBBEBD EF FCE FCE E CACA BDBBDEBDBBBBAD A B B ABB BDB DB E B AB ADB BDBD BB AB D DBBBDBDBBDBDB BDBBAB BBDBDBB BDBBEADDBABBBB BADABBBABBDB BDBBBBDBABBBD ABDDABBD FB BDB A BD B DBBBBABBBABD E B AD AB DDB BB AB BDBBBBBDAAB BBD E B AB DDB BB AB BDBBBBBDADA BBD EBDBBDBBABB ADA B D A B ADBDBBBADBADBB BAB BDDDBBBADBBDBAE ABBBBADDBEBDB DAEBDBAB DBBABBADBBD ABADBDBBBADBA DBBBAB B ABFFEADBA BBDEBDBBBBAB FABABF FBB ABD FEDDB BB BAABBABFBBABB EBDBBDBBABAD DBADBDAEBDBABBBD FDABADBDB EBDBABDBDAFBBEBADB ABBD BDAFBADAAA ABBDBBBBDBAEBBDB

25 B BBFABBADBBBEBD EF CACA EE BAAB E FCE ECCE E A BB D B D ABBDBABBAB B B D ABB DB A B ABDDBDBBBBABBBAB FECCBCB BCB C CBAEA CEACCBECACECCCC CEBCEC CEC CBAEAEE BCBCE CEC F E C C BC BCCCEACBCCC CEECCEEEC B EADBBBABABDBBADDB EBDBABADABDBBB BEBAB EDBBAB BBDB BBDBAABEBDBAB BDBEABBD BDBBBBBBABBBABE AB DB BB BB D BBBBBABBBABDAE BBADDBDBBB ABBEDABBD FBDDBBDABABBB EBDBABBDBBBBB DABBBBBBABBBABEA BBEBDBBBBBB AB BB AB BB B A EE BBBEDBBBE ABBABBDED ABBABB BDABBBBB DBBBBBBAABB DBABBABB BDABBDBAB

26 B BBFABBADBBBEBD EF E FCE E CACA B A B F E E ADB A BBDABBDBADB ABBBDAB BBEEBB A EBD BAB A B FBB ADDBA DBBEEB BBBB BBAABBDBABB EADBDBAEBDBAB BDBBBBBBABBBABEE DB DB BB BB DA E E A BBABBBBBBB BBADDBABBEEADBD ABBD FBDDBBDABABBB EBDBABBDBBBBBBAB BBABEEABBEE BDB BB BBB AB BB AB BBBAEBBBEDBBB E BBBBBABBBABBADAA DDBBBBBABBED ABBD BBBBBABBBBABABD BBABABABBA CEACBBABBDDBB EABDBDBDBBBBDA BADBBA DBBBABABB DBABDBBABDB EBBDBDDBBB D BBB AB B AB A BBB AB BABADDBBBDBD B B A DCC C A CBAE C BB BB AB BB DA D DBBBDABADBDABD DDAABBDBBBDBBA DDAADABBBDA BDBBDBADAA EBD BAB A BDB EBD BAB BD DDBBBBBADBBE BBEBDBABBADAA ADBBBBBABBE ADBBABDBE

27 B BBFABBADBBBEBD EF CACA EE E BDDBBDBADAA ADB B AB D B BBEABBDAEBDBAB BDDBADAAADDD BABDBEBDBABBDDDBBBA DB B ADDB E B ADAADBABDBBDBB DBBD BBCACCBBC A BDDBBDBADAA AFDBDDBB DADDB AABBB EE E BB A B ADDB E A BB DADBACEAAAEBD FECBCAECAA DBDCBCCBAEAB ACEECCACE CE C C CC C BECCCBBCECCEC CACE EBD BAB DDB BB BB A E B ADA A BD DB BBAABBDBBAB BD FECBCACECECCC BCAC C ECA A CE B CEBC A BCC E CE C CC BCE E C DECC ABCCEBCCCECE BCCBCBABCDCE ADBBBEBDBABBBA EADBDBBABBADAA D BB A AD A ABDB ABBA

28 B BBFABBADBBBEBD EF FCE CACA EABBDBDDBBB A B ADA A B A DDB BBABACEAAABBBEBDBAB EBDBABDBBBBBBAB BADAAEBDBABDDB BBABBABADAA BBAEBBB ADBACEAA BB A A A BB A B B B B DDB B A AB BAADABBB ABDBABDABDBABADAAB BDBBBB ABBAEEBDBABDDBBBBD DBBBABDBB ABBDBDBBEBDBABDDB DBABADDB BABC CE BB AB AB B A BBBBBBBA BDDBBAABBDBBBD ADBBBEBDBABAD BBAEADBDBBABB DDBAABFBAADA ABDBADBB B B A E B DBB AB B D D B A A B FB A ABDB A DBB BB A BBDDBABBBD BDADDBABBDDEADDBA BB DB BB BBD B ADDB A BD B B DBBBABBABBBDABDBB A EBDBABDBDAEBBBB BABAEBDBB ABBDDEDDB BFFB BB D E A BDB BBBBABBABADBACEA A DA EBD BAB ABB BBDB B B BDBBBBABBAE ABABEBDBABABEBB B AB ABB DBB B D BD

29 B BBFABBADBBBEBD EF CACA BDBFBBBBBB AD EBD BAB DB B BB BB AB BAEACEAADABBAB BBADBDBBABBDE E B AB BDB F B BBBBBABBAADB EBDBFB EE AB E FCE FCE E FCE BDDBBDEBADAA AABBDABBBDDB AB D DB BD D BBD CAABCBEEBCEEEEC C E C A B C ECE CBCBBCEEE DBBDDBBDA FDDBDDBBD AADDB B EADBABBDABB BBADBBDDBBDEB ABBBEB ABDABDBBBBBDDBB DDBBBBBADBDAEBD BABBDEADB ABBDB BB A D BD D BBB BBDDBADBBAB DB E A BDB BB BBB BD D BBDBADAAABBE BBDDB BDBBA BDBBAB ABBAB BBDBDB BABDBB ABAB BDABBADBBADBDBD BAABBAA

30 B BBFABBADBBBEBD EF E CACA AA BCBCBEEBCE EE CB EE BCE EE C EA CEAECCE ECECCBC BCAABCBBCEEE CB EE BCE EE C EA CEABECCE ECECC CCEACCE CEACBC BCAABCBBCEEE EBADBBBABBAB A E ABDB BB BBB BD D BB D A ABB DB B BD B B A B BBDDB BABDBBAB BBDBDBB C AC CB E BCC E CABCBACEC CAECAECEABBEBC CBCBC BB BBB BD D BB D BADAAABADBDAEBD BABBAD DEADBABBD F E C EB CB ACE BCAABCBEEBCEEECC ACE C C B EB E CB ACE ECBC BAE B CBAE BCAA BCB EE BCE EE EBCBAEEEBCEEEB CECECACCCECB ACEBE E BDB BB D B ADA A D AB AD BDB BBBBBBDDBBD DBADA AAFDBB BB BBB BD D BB D ADDB ADDB EBDBABDBBBDBBB BBB BD D BB D DDB

31 B BBFABBADBBBEBD EF FCE CACA BB BB BBB BD D BB DBADAAAB E A BDB BB BBB BD D BB D DA EBD BAB B A D D ADB A BBDAAABB B BB BB B BB BB BBBBDDBBD BBDBDB BABDB B AB A B B AB BBDBBD BDBBA BDBBABA B ABDABBADBBADBDB DBAABBAA DBBFBBABABDBA B BDB DB B A A A BD BBDDBBABDBB A B B ABB DB BD DBBBBADBAEADBA BBDDBDBA B BBBADB A ABBADBABBBBBBDD BBDBADB B B D B BB BBBBB FBBADBDAEBDBABABB BBDBBB EEBABBABAEA BDBBBBBBBDDBBD DAEBDBABBAD D ADB A BB D AAABB BBBDBBABDADBA BBDABBBBBBB DB B BD B ABDB A B BDB DB B A AABDBBDDBBABDB BABBBD BABDBBABB ABBDBBDDBBBBADB A BBBADB ABBADBABBBBBBDD BBDBADB B B D B BB BBBBB

32 B BBFABBADBBBEBD EF CACA F BB ADB DA EBD BAB ABB BBDBBB EE ABBA E FCE EBDBABBDBEADDBABBD BD BDBBAB BBDBDB B CCBCEEBCEEEB CBCCCEBAECE FCEBAECEBAECE CCBCEECECCBC C BC A ECA CC AEAEEE EBDBABDBDAEBADAA EADDBABBDEBDBAB AB BBDDBDBBBBABBBAB EBADAAA EBDBABDBDAFBBEBADDB ABBD A BD D BB D B DDB B A B E B D BD ADDBABBDBAB DBBABBBD BA B DB B BB DBDBAB DBBB ABADDB EBDBAB BDDDBB D DEAADDBABBDAB EBABDDBBBBABBBAB D BB D F BB DBDBABDBBBAADDB BAABBBDDBBA BDBBDEADDBAAB BBBBBABBBABA ADBDBBDEDBADBDA F AB B F BD DB DB BDB ADBDB B BD D BB D E B ABB BABDB EDDBBBABBBB BDDBEABB BD BABDBD ADDBA BBDBABDB

33 B BBFABBADBBBEBD EF CACA BABBBDBAB DBBBBDBDBABDBB B A DB D ABB B F BB A DBDB AB DBB B AEBADDBEBDBABABBB E A AD DB A BB D E AB DDB BBBABBBABDBBADAD ABBEADDBABBD EE ABAA E FCE F BD D BB D B ADA AEBDBABDD ADBDAFABBFBDDB DBBDBADBDBEAE BADBABBDBD D EDABBDBABB ABBBDABB DBABAB ADBBBEBDBABEADBBDDB BABDBBAB BBDBDB B BBCEABECECB BC AE C AE C EC CACEECCCCEBC CBC CBCECC CC A DB BD D BB D B ADA A EBD BAB DBDAFABBFBDDBDB BDBADBDBEBBD DBABAB BBDDBAB EBDBABDBDAFBBEBADB ABBDDBBDBAEEB ADDB A BB D E B AD A ADBABBBBEBADADB F BD D E A BB D D BBB BD D BB D ADB BBBBDDADBBBBADDB A DBA E EBD BAB DD A DB DA F AB B F BD DB DB BDB AD BDB E B BDD

34 B BBFABBADBBBEBD EF CACA E E B A D BB D D ABBABB BDABABABB DBDD EBBBAABBDBA B B AB B B D BB BA ABB DB BAB EADB BB EBD BAB E AD BBDDB BA B DB BABBBD BABDBB B A E C ADB A B B D BEB ABBBDA B EADB A B B ADB ECABBBAD DECADBABBDDBA ECDBAB B B D BA B ABB DBABBBBDBEADBDBA ECABADDBABAB BBBFEADD DBAE BBBDBDEBDBABA DBDAFBBDBAECBAD A ADB AB B F BD DB DBBDBADBDB EEBADABBDD ABBDBABBAB BBDABBDB ABABBDD EADBBDDBBAA BBABBB DABAB EADB BB EBD BAB E AD BBDDB BA B DB BABBBD BDBB A E ADB A B B D BEBA B AB B B D B A B EADB A BBADBEDEADBA BBDABBBB

35 B BBFABBADBBBEBD EF E E CACA AD AB B B D B AB AD BBDDB AB DB EADB DBA E AB AD DBABABBBBF EADDDBAE BBBDBDBA E DEBD BABADBDAFABBFBD DBDBBDBADBDB EBD BAB DB DA F AB B F BD DBDBBDBADBDBE BADBBBDBD D DBABAB BBD DB A B B EADBABBDB ABB B AB B B D A B A DBBDDBBDB AB AD A BBB BD D BB D ADABBBD EADBDBDAADDBA BBDDBAB ABBBDDBA B BB DBA E A D EBD BAB DBABBFBDDBBDB ADBDBE FDBBDADDDBBBAE BADAAEBDBABBB EBBDBBAF EBD BAB DB DB BB B E BADAADAEBBDB ABF BBBEBABBEBD BABADDBFABBDBBBD CCCEACCBBC BCEBE EE A E EBDBABBDBEBADB ABBD

36 B BBFABBADBBBEBD EF FCE E FCE E FCE CACA B ABDEADBABB DBBBBBBDE ADDBEBDBABABBB D ADDBABBD ABABBBBB B ABEADBEBDBAB BDADDBABBDBBE ADDBABBDADDBEBDBAB ABBB BB A BB BB BBBBBABBBABEB ADBDBBBBBBABBBAB EBDBABBDBBBEB ABDDBBBBABBBAB ADBBDBDDDBBBBABBBAB ABABBBBB B ABEADBABB DABBDBADBBAB BBDB BBDBADABEBDBAB BDBBBDAE BDBBBBBBABBBABE DBBBBBDBB BBBABBBABDAEAB A BDB BB BB D E AB BBBBBABBBABE EBDBBBDADA DBEBBBABBABB BBBBBBABB BBDBBB ABEADBABB DABBDBADBAB BBDAB BBEDBAEBD BABABDFBBADDBADBB EBBBBBBAABB DBABB EADBDBAABDEBDBAB BDBBBBBBABBBABE AB BDBBB

37 B BBFABBADBBBEBD EF CACA E FCE EBDBBBDADA DBEBBBABBABB B BB BB B D ABB BBDBBB E BDB BB BBB AB BB AB B ADA A A B ABBBBBBB EBD BAB BDB DB BB B E BADAADAD BBBADAA ABABABBB CBBBBCA BBCECBCABB BC B A CC CB C CE C C EE ECCB CCCCCA BBADDBABBBADBEBA A AB A D AB B BBADBEAADDBBBADB DBDBDAADBEBBDBAB A B B A D AB A DBD EE AB E FCE EABBDBDBBB BBBDAEBDBAB BBADAAADBA DBDB E BCB BA C EC BBCBCC CB E BCE EE BA E EB B E C ECC CEEBCEEE EEBBDDBBDBDBDDB ADBBBBBABDBB ABBADAABDBAB DBBBD B BD D BB D E B D A BD ABDEDDBBBB AABDBDBBAB BB A ADA ADB B B D

38 B BBFABBADBBBEBD EF FCE EE E CACA EBD BAB DDB A BB B ADBEBDDDBEBD BABADDBDBDAE FBEBADBDAEBDBABBDB ABBBBDADBDD EBDBABDAEABBB DEDBBBBDAADBA D D B A E DEDBABBEBB EBD BAB B EBD BAB E B DBABADAABDA B B D AB E A BBDBBBBBADAA AADBDBBDBADAA BABBABBBBBDB BAABBBABBABB E A BB D B B DBB BADAAAB AADBDBBDABABB BABBABBBBBDBB AABBBABBABB BAB BBBBBABBAA DD B AD AD A BB DB AB DB E B A A DBB EBDBABBD FA AC AAAA A FA C FCCEAEAEE EE E EBD B D F B BB A EF A EBD B D F B ADA A BAB BABBBBBDBF BBFBBBBBAFAAB DBADAABABBABB BBBBFBBBAD ABBBABBABBBBBBB B BB BABBAB B BB BBABBABBBB BBFBBBABABBAB B BAB A B B BB A ABB A BABB B A BD A DBBDBAADBBEBD BABBBBBDBBABAB EBDBDF

39 B BBFABBADBBBEBD EF CACA EABBBAABBABABBB DAABBBAADBBEBD BABBBBBBBBDDB EBDBDF EE AA E E EBD BABBEFB DB B DB DBBB B D EF ADB ABBD CACECEBCCC EBAEBCCEACE AE C ACE ECC EC CECCEC CE E B CE BC ACE AE E EC C C C BCA E EC E CE EC BCCACEBEBC EEBCEC EBD BAB BDB EF A BB D BADAAB DD DBAB EACEBAEBCCE AECACE BBDDBAB ECCCCEBAEE BAECCC EBDBABDBDAEFBBDBBB BBEFABBD CCCCBCCBEEBCEEE C E B EB EC E BCC C BCE BCC E EBECECBAEE EBD BAB BB DDB BADB A BD BAD B BBDBADAABB CC ACE E E CC EC E AA D C C DBBBBABD ADABB

40 B BBFABBADBBBEBD EF E FCF CACA F E C CE CC BCE CBE BCC AE C CB C AEECEBCCC BCCAEECE BBBA BBBBBABDAB ADEF A B EF BDDB BB AB B AB BDBDBEFABBAB BEFDDBBBBBABBEF B B EF A DA B A B DBB BEFBDBBBBDB EFDADBAB BEFBBABDB EFDADBAB F E C B B CEEB CCBCE BBDBDBBADBADB EBDBAB EFBADBABBDBADA A BDBBBBADABBBEFB ABBBBAABD DEFADBABBDBABABB DBABBFBBAEF FEABCEECCBC CB C BCC C BC BCA E EC B C EE BCEEE BDBBDEFBDBBBBAD ABBABBBDBDBEF B AB ADB BDBD BB AB D DBBBDBDBBDBDB BDBBAB BBDBDBB BDBBEFADDBABBBB BADABBBABBDB BDBBBBDBABBBDAB BDFBBDBA

41 B BBFABBADBBBEBD EF E A E E CACA BDBDBBBBABBBAB D EF B AD AB DDB BB AB BDBBBBBBAB BBD EF B AB DDB BB AB BDB BB BB B DABBD DBDBABBADAA BDB B DBB A B B ADA ABDDBBAB AB EBCBBABCEAB BCECCBCEABCEC CB E BCE EE BA EEBBBC EEBCEEE A DDB BB A B B ADB B ADAABBEBDBAB CBCCEABACACE BCBCACE C BCCCE EE ECE C BCCAEECABCCEE CBACECBC BDBBDBADAA EBD BAB A BDB EBD BAB BD DDB BB BB A DB B EF BBEBDBABBADAA AD BB BB B D AB BEFADBBABDBEF EBDBABDBDAFBBEFBADB ABBD BDAFBADAA A ABBDBBBBDBAEFBBDB EE BAAB E EFABBDBD ABBDBABBAB BBDABBDB AB ABDDBDBBBBABBBAB

42 B BBFABBADBBBEBD EF FCF FCF E FCF CACA FECCBCB BCB C CBAEA ECCE CEACCBECACECCCC CEBCEBC CEC CBAEAEE BCBCE CEC D BBB AB B AB A BBB AB BABADDBBBDBD B B A DCC C A CBAE C FECCBC BCBCCEACBCBC CCEECCEEEBC BBBBABBBBD DBBBBBADBDA BD D B ABB DBB B D BB A D B AD A BBBB BBBBBABBBABBADA ADDBBBBBABBEF DABBD EBDBABBDBBBBBBABBBAB AEFDBBBDAEF BBDBBDD ABBABBDEFD ABBDBABBAB BBDABBDB AB B EADB BB A B AB DB B ADDB EBD BAB AD A BDBBBBEF BABEFD BBABBB DB BB DBA A B EBD BAB BDBEFABBD BDBBBBBBABBBAB EFAB

43 B BBFABBADBBBEBD EF CACA DB BB BB D BBBBBABBBABDAEF BBADDBDBBB ABB EF D A BB D FBDDBBDABABB BEBDBABBDBBB BB D AB BB BBB AB BBABEFABB EFBDBBBBBBABBB ABBBBAEBB BEDBBBEF ABBABBDEFD ABBAB B B D A B BB BB D B BBB B BA ABB DB A B B ABBBDABB DBAB B ABEFEADBA BBDABBDBAD BABBBDA B BBEFEBFBBB A EBD BAB A B ADDBADBBEFEBBBBB EFBAABBDBAB B EADBDBAEBDBAB BDBBBBBBABBBAB EFEDB DBBBBBDAEFE ABBABBBBBBB BBADDBABBEFEADB DABBD FB DDB BD AB A B B B EBD BAB BDB BB BBBABBBABEFEAB B EF E BDB BB BBB AB BB AB BB BAEEBBBEDBBBEF

44 B BBFABBADBBBEBD EF CACA EE E BDDBBDBADAA ADB B AB D B BBEFABBDAEBDBAB BDDBADAAADDD BABDBEBDBABBDDDBBBA DB B ADDB EF B ADAADBABDBBDBB DBBD BBCACCBBC A BDDBBDBADA AAF DBD D BBDADDB AABBB EE E BBABADDBEFABB DADBACEAAAEBDF BF F E BC A ECA A BCABCCBCCBAEAB E ACE E CCACECEC CCCCBECC CBBCECCECCACE EBD BAB DDB BB BB A EF B ADA A BD DB BBAABBDBBAB BD FECBCACECECCC BCAC C ECA A CE B CEBC A BCC E CE C CC BCE E C DECC ABCCEBCCCECE CBCBABCDCE ADBBBEBDBABBBA EFADBDBBABBADAA D BB A AD A ABDB ABBA

45 B BBFABBADBBBEBD EF FCF E FCF CACA EFABBDBDDBBB A B ADA A B A DDB BBABACEAAABBBEBDBAB ABBBBDBBBAB BADDBAFCABEBDBABB EBDBABDBBBBBBAB BADAAEBDBABDDB BBABBABADAA BBAAABBAB BBBDDBBAAB B A AD A BB BABDBABDABDBABAD AABBDBBBB ABBAEFEBDBABDDBBB BDDBBBAB DBB AB B D BD BB EBD BABDDBDBABA DDB ABC DCE BB AB AB B A B B B BBBBABDDBBA ABBDBBBDADBBB EBDBABAD B B A EF AD B DBB ABBD D BA A B FBAADAABDBADBB B B A EF B DBB AB BDDBAABFBA ABDBADBBBBA BBDDB AB B B DBDADDBABBDDEF ADDBABBDBBBBB DBADDBABDB B DBB BABBABB B D ABDBBA EBDBABDBDAEFBBBB BABAEFBDBB ABBDDEFDDB BFF BDBBBBABBAEF ABABEBDBABABEFB BBABABBDBBBDBD BDBFBBBBBAD EBDBABDBBBBBBAB BAEFACEAADABBAB BBADBDBBABBD EEFBABBDBFB BB BB AB B A ADB EF BDBF

46 B BBFABBADBBBEBD EF CACA EE AB E BDDBBDEFBADAA AABBDABBBDDB AB D DB BD D BBD CAABCBEEBCEEEEC C E C A B C ECE CBCBBCEEE EF A BDB BB BBB BD D BB D B ADA A ABB EFBBDDB BDBBA BDBBAB ABBAB BBDBDB BABDBB ABAB AA BCBCBEEBCE EE CBEEBCEEECEA CEAECCE ECECCBC BCAABCBBCEEE CBEEBCEEECEA CEABECCE ECECC CCEACCE C EA C B C BCAA BCB BCE EE EFBADBBBABBAB A BB BAB AB EB E A BDB BB BBB BD D BB D A ABB DB B BD B BABBBDDBBABDB BABBBDB DBB C AC CB E BCC E CABCBACEC C AECAECEABBEBC CBCBC

47 B BBFABBADBBBEBD EF FCF CACA BB BBB BD D BB D BADAAABADBDAEBD BABBADD EFADBABBD F E C EB CB ACE BCAABCBEEBCEEECC ACE C C B EB E CB ACE ECBC BAE B CBAE BCAA BCB EE BCE EE EBCBAEEEBCEEEB CECECACCCECB ACEBE EF BDB BB D B ADA A D AB AD BDB BBBBBBDDBBD DBADA A A F D BB BBBBBBDDBBDADDBA DDB EBDBABDBBBDBBB BBB BD D BB D DDB BBBBBBBBDDBBD BADAAAB BB BB BBB BD D BB DDAEBDBABBAD D ADB A BB D AAABB B BB BB B BB BBBBBBDDBBD BBDBDB BABDB B AB A B B AB B B D BBD BDBBA BDBBABA B ABDABBADBBADBDB DBAABBAA DBBFBBABABDBA B BDB DB B A A A BD BBDDBBABDBB ABBABBDBBD

48 B BBFABBADBBBEBD EF CACA DBBBBADBAEFADBA BBDDBDBA B BBBADB A ABBADBABBBBBBDD BBDBADB B B D B BB BBBBB FBBADBDAEBDBABABB BBDB B B A B B ADDBAFCABEBDBABB EEFBABBABAE ABDBBBBBBBDDBB D DA EBD BAB B A D D ADB A BB DAAABB BBBDBBBBDADBA BBDABBBBBBB DB B BD B ABDB A B BDB DB B A A A BD BBDDB BA B DBBABBB DBABDBBAB BABBDBBDDBBB BADB BBBADB A ABBADBABBBBBBDD BBDBADB B B D B BB BBBBB F BB ADB DA EBD BAB ABB BBDB B B A B B ADDBAFCABEBDBABB BDDBBBBADBDAEF BADABABDBABBBDDBADBDEF BDBDBBBDBA AAABBADAAABB BDDBBBBADB BBBDDDBBDDBBD B EFADBABBDABB BBADBBDDBBDEFB ABB B EF BABDABDBBBBBDD BB D D BB BBB ADBDAEBDBABB DEFADBABBDB

49 B BBFABBADBBBEBD EF CACA BB A D BD D BBB BB D DB ADB B AB DB A BD D BB D B DDBBABEFBDBD ADDBABBDBA BDBBABBB DBABDBBBB DBDBABDBBBABADDB EBDBABBDDDBB DDEFAADDBABB DABEFBABDDBBBBAB BBABDBBDF BB DBDB AB DBB B A ADDB B A AB B B DDBBA BDBBDEFADDBAAB BBBBBABBBABA AD B DBB D EF DB ADB DA F AB B F BD DB DB BDBADBDB B BDDBBDEFBABB B A B B EF DDB B B A B B BB BDDB EF AB B B D BA B D BD ADDBABBDBA BDBBABBB DBABDBBBB DBDBABDBBBADBD ABBB FBBADBDBABDBBB AEF BADDBEBDBAB ABB BEFAADDBA BB D EF AB DDB BBB AB BB AB D BB ADA DABBEFADDBABB D EE ABBA EBD BAB BDB EF ADDB A BB E DBD BDBBAB BBDBDB B

50 B BBFABBADBBBEBD EF CACA CCBCEEBCEEEB CBCCCEBAECE FCEBAECEBAECE CCBCEECECCBC C BC A ECA CC AEAEEE EBDBABDBDAEFBADAA EFADDBABBDEBDBAB AB BBDDBDBBBBABBBAB EFBADAAA EBD BAB DB DA F BB EF B ADDBABBD EE ABAA E FCF F BD D BB D B ADA AEBDBABDD ADBDAFABBFBDDB DBBDBADBDBEFAEF ABBDBDD EFDABBDBABB ABBBDABB DBABAB ADBBBEBDBABEFADBBDDB BABDBBAB BBDBDB B BBCEABECECB BCAECAECECC ACEECCCCEBCCB C CB CE CC CC A DB BD D BB D B ADA A EBD BAB DBDAFABBFBDDBDB BDBADBDBEFBBD DBABAB BBDDBAB EBD BAB DB DA F BB EF B ADBABBDDBBDBAEF EFBADDBABBDEFB AD A ADB AB BB B EF B AD ADB F BD D EF A BB D D BBB BD D BB D ADB

51 B BBFABBADBBBEBD EF CACA BBBBDDADBBBBADDB A DBA EF EBD BAB DD A DB DA F AB B F BD DB DB BDB AD BDB EF B BDD EEFBADBBDD ABBAB BBDABABA BBDBDD EFBBBAABB DBABBAB BBDBBBAABB DBBAB EADBBBEBDBABEFAD BBDDBBABDB B AB B B D BA B DB B B A EF C ADB A B B D BEFBAB BBDAB EADBABBADBEFC ABBBADDEFC ADBABBDDBAEFC DBABB BDBABABBDBABBBB DBEADBDBAEFCAB AD DB A B AB B B BEFADDDBAEF BBBDBDEBDBABA DBDAFBBDBAEFCBAD A ADB AB B F BD DB DBBDBADBDB EEFBADABBDD ABBDBABBAB BBDABBDB ABABBDD EFADBBDDBBAA BBABBB DABAB EADB BB EBD BAB EF AD BBDDB BA B DB BABBBD BDBB

52 B BBFABBADBBBEBD EF E E CACA B A EF ADB A BB D BEFBA B AB B B D B A B EADB A BBADBEFDEFADBA BBDABBBB AD AB B B D B AB AD BBDDB AB DB EADB DBA EF AB AD DBABABBBB EFADDDBAEF BBBDBDBAEF DEBD BABADBDAFABBFBD DBDBBDBADBDB EBD BAB DB DA F AB B F BD DB DB BDB AD BDB EFBADBBBDB DD DBABAB BBDDBAB B EFADBABBDB ABB B AB B B D A B A DBBDDBBDBF AB AD A BBB BD D BB D ADABBBD EFADBDBDAADDBA BBDDBAB ABBBDDBA B BB DBA EF A D EBD BAB DBABBFBDDBBDB ADBDBEF FDBBDADDDBBBAEF BADAAEBDBABBB EFBBDBBAF EBD BAB DB DB BB B EF BADAADAEFBBDB ABF BBBEFBABBEBD BABADDBFABBDBBBD CCCEACCBBC BCEBE

53 B BBFABBADBBBEBD EF EE A E FCF CACA EBDBABBDBEFBADB ABBD ADDBABBD ABABBBBB EBDBABBDBBBEFB ABDDBBBBABBBAB ADBBDBDDDBBBBABBBAB ABABBBBB EFBDBBBBBBABBBAB B ADA A A B ABBBBBBB EBD BAB BDB DB BB B EF BADAADAD BBBADAA ABABABBB CBBBBCA BBCECBCABB BCBACCCBC CE C C EE ECCB CCCCCA BB B DB ABB EF ADDB D BB BB EF ADDB EBD BABABBABBBBB BBD B A B EF ADB A BB D BB BB BB DEFADDBEBDBABABB B BB BB BBB AB BB AB EFBBDBADAAE BDADDBEBDBABABEFBBDB ABBABBBBBBB B ABEFADBA BBDABBDBADB BABBBD B BBDBADABEBD BAB BDBBBDAEF BDBBBBBBABBBAB EF

54 B BBFABBADBBBEBD EF CACA DBBBBBD BBBBBABBBABDAEF AB A BDBBBBBDEF ABBBBBBABBBAB EF EFBDBBBDADA DBEFBABB ABBBBBBBB ABB BBDB B B A B B AD DB A F CAB EBD BABB ABBEFADBA BB D ABB DBA D BABBBD AB BBEFBB A EBD BAB A B FBB AD DBA DBB EF B BBB B BA ABB DBABB EADBDBAABEBD BAB BDBBBBBBABBBAB EFAB BDBBB EFBDBBBDAD ADBEFBABB ABBBBBBBB ABB BBDB B B ABBADDBAFCABEBD BABB BB BB EF B ADDB A BBDADDBEBDBABABB ABBBBBAABBBBBB BBBABBBABEFBB ABDDBBBBABBBAB B A B EF ADB EBD BAB BD ADDB A BB D BBEFADDBABBD ADDBEBDBABABBB BBABBBB BB BBB AB BB AB EF BADBDBBBBBBABBBAB

55 B BBFABBADBBBEBD EF CACA A EBD BAB BDB DB BB B EFDAD BBADDBABBBADBEFB AAABADAB BBBADBEFAADDBBB A DB DBDB DAADB EF B BDBABABBA DABADBD EE AB E FCF EFABBDBDBBB BBBDAEBDBAB BBADAAADBA DBDB E BCB BA C EC BBCBCC CB E BCE EE BA E EB B E C ECC CEEBCEEE BDDDBBBADBBDBAEF ABBBBADDBEFBDB DAEBDBAB DBBABBADBBD ABADBDBBBADBA DBBBAB B ABFEFADBA BBDEFBDBBBB ABABAB FBB ABFEFDDBBBB AABBABFBBABBEF BDB B DBB A B A DD BADB DA EBD BAB B B FDABADBDB E EF B BD D BB DB DB D DB A D BB B B B AB DBBABBADAABDB ABDBBBD B BD D BB D EF B D A B

56 B BBFABBADBBBEBD EF CACA FCF ABEFDDBBBBA A B D B DBB A B BBAADAADBBB EBD BAB DDB A BB B ADBEFBDDDBEBD BABADDBDBDAEF F B EF B ADB DA EBD BAB B DB ABBBB D ADBD D EBDBABDBDBFBB DEFBDAADBA DDBAEDE BDABBEBB EBDBABBEBDBABEFB DBABADAABDA EE E B B D AB EF A BBDBBBBBADAA AADBDBBDBADAA BABBABBBB BDBF EF A BB D B B DBB BADAA ABAADBDBBDABABB BABBABBBBBDB F BAB BBBBBDABB A A DD B AD AD BBADADBABDB EFBAADBBEBDBABBD BBDBABDBEBDFABB F

57 Lampiran Surat Edaran Bank Indonesia Nomor 11/ 19 /DKBU tanggal 31 Juli Lampiran 1 No. : Lamp. :, Kepada Bank Indonesia U.p Perihal : Permohonan Perpanjangan Jangka Waktu Pengawasan Khusus Berkenaan dengan ditetapkannya BPR kami dalam status pengawasan khusus sesuai surat Bank Indonesia No tanggal Perihal Penetapan PT/KOP BPR Dalam Status Pengawasan Khusus, dengan ini kami mengajukan permohonan perpanjangan jangka waktu pengawasan khusus BPR kami paling lama hari, dengan alasan Sebagai bahan pertimbangan, bersama ini terlampir kami sampaikan pemenuhan persyaratan pengajuan perpanjangan sesuai ketentuan yang berlaku berupa: 1. Informasi mengenai pemenuhan persyaratan pengajuan permohonan perpanjangan jangka waktu pengawasan khusus berupa: a. Rasio KPMM telah meningkat paling kurang sebesar 75% (tujuh puluh lima persen) dari selisih untuk mencapai rasio KPMM 4% (empat persen) dan rasio KPMM lebih dari 0% (nol persen); dan/atau b. Cash Ratio (CR) rata-rata selama 6 (enam) bulan terakhir telah meningkat paling kurang sebesar 75% (tujuh puluh lima persen) dari selisih untuk mencapai CR 3% (tiga persen) dan CR lebih dari 1% (satu persen); serta dokumen pendukung terkait. 2. Surat yang menyatakan komitmen Pemegang Saham Pengendali untuk menambah modal disetor dalam rangka meningkatkan rasio KPMM menjadi paling kurang 4% 1 Direktorat Kredit, BPR dan UMKM (DKBU) (bagi BPR yang berlokasi di wilayah DKI Jaya, Kabupaten/Kotamadya Bekasi, Bogor, Karawang, Depok dan Propinsi Banten); atau Kantor Bank Indonesia setempat (bagi BPR yang berlokasi di luar wilayah tersebut diatas) Halaman 1 dari 2 50

58 Lampiran Surat Edaran Bank Indonesia Nomor 11/ 19 /DKBU tanggal 31 Juli Lampiran 1 (empat persen) sesuai action plan, paling lambat sampai dengan berakhirnya jangka waktu perpanjangan yang kami ajukan Rencana tindak (action plan) penyehatan BPR sesuai dengan perpanjangan jangka waktu pengawasan khusus sebagaimana kami ajukan. 4. Neraca harian 1 (satu) hari kerja sebelum tanggal pengajuan permohonan perpanjangan. kasih. Demikian agar maklum dan atas perhatian yang diberikan, kami ucapkan terima (Kota), (tanggal/bulan/tahun) Pemegang Saham Pengendali, 3 Direktur, 4 (Nama BPR...) (Nama BPR...) ttd ttd Dalam hal BPR ditetapkan dalam status pengawasan khusus karena rasio KPMM kurang dari 4% (empat persen). Apabila Pemegang Saham Pengendali (PSP) berhalangan diganti dengan Pemegang Saham lainnya yang ditunjuk/mewakili PSP Apabila Direktur berhalangan diganti dengan pejabat yang berwenang Halaman 2 dari 2 51

59 Lampiran Surat Edaran Bank Indonesia Nomor 11/ 19 /DKBU tanggal 31 Juli Lampiran 2 No. : Lamp. :, Kepada Bank Indonesia U.p Perihal : Permohonan Perpanjangan Jangka Waktu Pengawasan Khusus Berkenaan dengan ditetapkannya BPR kami dalam status pengawasan khusus sesuai surat Bank Indonesia No tanggal Perihal Penetapan PD BPR Dalam Status Pengawasan Khusus, dengan ini kami mengajukan permohonan perpanjangan jangka waktu pengawasan khusus BPR kami paling lama hari, dengan alasan Sebagai bahan pertimbangan, bersama ini terlampir kami sampaikan pemenuhan persyaratan pengajuan perpanjangan sesuai ketentuan yang berlaku berupa: 1. Informasi mengenai pelaksanaan action plan BPR kami sejak ditetapkan dalam status pengawasan khusus sampai dengan pengajuan perpanjangan; 2. Surat yang menyatakan komitmen Pemegang Saham (Gubernur/Walikota/Bupati) untuk menambah modal disetor dalam rangka meningkatkan rasio KPMM menjadi paling kurang 4% (empat persen) dan Cash Ratio (CR) rata-rata selama 6 (enam) bulan terakhir paling kurang 3% (tiga persen) sesuai action plan, paling lambat sampai dengan berakhirnya jangka waktu perpanjangan yang kami ajukan. 3. Rencana tindak (action plan) penyehatan BPR sesuai dengan perpanjangan jangka waktu pengawasan khusus sebagaimana kami ajukan. 1 Direktorat Kredit, BPR dan UMKM (DKBU) (bagi BPR yang berlokasi di wilayah DKI Jaya, Kabupaten/Kotamadya Bekasi, Bogor, Karawang, Depok dan Propinsi Banten); atau Kantor Bank Indonesia setempat (bagi BPR yang berlokasi di luar wilayah tersebut diatas) Halaman 1 dari 2 52

60 Lampiran Surat Edaran Bank Indonesia Nomor 11/ 19 /DKBU tanggal 31 Juli Lampiran 2 4. Neraca harian 1 (satu) hari kerja sebelum tanggal pengajuan permohonan perpanjangan. kasih. Demikian agar maklum dan atas perhatian yang diberikan, kami ucapkan terima (Kota), (tanggal/bulan/tahun) Pemegang Saham Pengendali, 2 Direktur, 3 (Nama BPR...) (Nama BPR...) ttd ttd Apabila Pemegang Saham Pengendali (PSP) berhalangan diganti dengan Pemegang Saham lainnya yang ditunjuk/mewakili PSP Apabila Direktur berhalangan diganti dengan pejabat yang berwenang Halaman 2 dari 2 53

61 Lampiran Surat Edaran Bank Indonesia Nomor 11/ 19 /DKBU tanggal 31 Juli Lampiran 3 No. :, Kepada Bank Indonesia Up. *) 1 Perihal : Permohonan Pencairan Deposito Berkenaan dengan penambahan modal yang telah kami lakukan sebagaimana telah kami sampaikan kepada Bank Indonesia melalui surat nomor tanggal perihal , dengan ini kami mengajukan permohonan pencairan Deposito atas dana setoran modal PT/PD/KOP BPR yang berada pada Bank dengan alamat Rincian Deposito tersebut (fotokopi bilyet deposito terlampir) adalah sebagai berikut : No No. Seri Deposito/ No. Rekening Atas Nama Dewan Gubernur QQ Nominal (Rp) Total Dana dari hasil pencairan Deposito tersebut akan kami pergunakan untuk Demikian permohonan kami. (Kota), (tanggal/bulan/tahun) Pemegang Saham/ Direktur, 3 Calon Pemegang Saham, 2 (Nama BPR...) (Nama BPR...) ttd ttd Direktorat Kredit, BPR dan UMKM (DKBU) (bagi BPR yang berlokasi di wilayah DKI Jaya, Kabupaten/Kotamadya Bekasi, Bogor, Karawang, Depok dan Propinsi Banten); atau Kantor Bank Indonesia setempat (bagi BPR yang berlokasi di luar wilayah tersebut diatas) Pemegang Saham/Calon Pemegang Saham yang melakukan setoran modal Apabila Direktur berhalangan diganti dengan pejabat yang berwenang 54

62 Lampiran Surat Edaran Bank Indonesia Nomor 11/ 19 /DKBU tanggal 31 Juli PENGUMUMAN Lampiran 4 Bersama ini kami beritahukan kepada seluruh nasabah bahwa berdasarkan surat Bank Indonesia No.... tanggal... Perihal..., terhitung sejak tanggal... 1, BPR kami: Nama : PT/PD/Kop. BPR... Alamat : Jl.... DILARANG MENGHIMPUN DAN MENYALURKAN DANA Sehubungan dengan hal tersebut, sesuai dengan Pasal 6 Peraturan Bank Indonesia No.11/20/PBI/2009 tanggal 4 Juni 2009 tentang Tindak Lanjut Penanganan Terhadap Bank Perkreditan Rakyat Dalam Status Pengawasan Khusus, selama masa larangan tersebut kami tidak menerima tabungan dan deposito dari nasabah, serta tidak menyalurkan kredit baru. Larangan tersebut berlaku sampai dengan adanya pengumuman lebih lanjut. Demikian agar maklum. (Kota), (tanggal/bulan/tahun) Komisaris, 2 Direktur, 3 (Nama BPR...) (Nama BPR...) ttd ttd Diisi sesuai tanggal penetapan larangan penghimpunan dan penyaluran dana Apabila Komisaris berhalangan diganti dengan pejabat yang berwenang Apabila Direktur berhalangan diganti dengan pejabat yang berwenang 55

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