No. 5618 2

The provisions were in Law No. 2 of 1992 on the Perinsurance (Sheet Of State Of The Republic Of Indonesia In 1992 Number 13; Additional Sheet Republic Of Indonesia Number 3467) no longer sufficient to be the basis of the growing regulatory and supervision of the perinsurance industry. Improvements to the laws regarding the insurance policy must be made to create a healthier, reliable, secure, and competitive insurance industry and improve its role in encouraging development. national.

Efforts to create a healthier, reliable, reliable, and competitive perinsurance industry in general is done, either with the provision of new provisions or with the refinement of the existing provisions. Such efforts are realized among others in the form: 1. the designation of a legal basis for the holding of the Insurance Effort

Sharia and the Sharia Reinsurance Reinsurance;

2. the definition of a legal entity for a joint venture-shaped Insurance Company that has been present at the time of this Act is promulred;

3. The completion of a set of insurance companies in favor of national interest;

4. Grant greater information to the Insurance Company and the Syariah Insurance Company to manage cooperation with other parties in order to marketing insurance services and sharia insurance services, including the cooperation of agents; and

5. The improvement of the provisions of the obligation to maintain good corporate governance, financial health, and healthy business behavior.

The increased role of the insurance industry in driving national development occurs if industry The perinsurance can further support the public in the face of the risks he faces daily and by the time they start and run the business activities. To that end, this Act governs that the Insurance Object in Indonesia can only be insured on the Insurance Company or the Syariah Insurance Company in Indonesia and the closure of such Insurance Objects should pay attention to capacity optimizations Insurance Company, Sharia Insurance Company, reinsurance company, and sharia reinsurance company in the country. In order to offset this policy, the Government and/or the Financial Conduct Authority made efforts to encourage an increase in the insurance and reinsurance capacity in the country. This Act also requires hosting

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No. 5618 3

The Wajib Insurance Program, for example legal liability insurance to a third party for a motorized vehicle rider, is competitively and enables the granting of fiscal facilities to individuals, households, and/or micro, small, and medium enterprises to drive increased utilization of Insurance or Sharia Insurance in order to risk management.

The increased role of the insurance industry in encouraging national development is also going through the buildup Long-term funds in large numbers, which are the next source of funds. Construction. The further setup is mandated by the Financial Services Authority, especially in terms of the regulatory and product line arrangements and the Sharia Insurance products and the regulation of the wealth management and liabilities of the Insurance Company, Sharia Insurance Company, reinsurance company, and the sharia reinsurance company, will determine the large or small role of the insurance industry.

The arrangements in this Act also reflect the great attention and support of the insurance industry. for consumer protection efforts of perinsurance services, environmental anticipation efforts More open service trades at a regional level, and adjustments to best practices (best practices) at the international level for the holding, arrangement, and supervision of the perinsurance industry.

II. ARTICLE BY SECTION Article 1

Is quite clear. Article 2

Verse (1) Based on the mechanism of risk management, the health insurance business line and the self-accident insurance venture line are more precisely classified as the General Insurance Business. However, given the Insurance Object being held in both business lines in question regarding human self, the health insurance business line and the self-accident insurance venture line can also be classified as the Soul Insurance Effort. In practice, both lines of insurance venture have been held, either by the general insurance company as well as the life insurance company.

Verse (2)

It is pretty clear.

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Verse (3) It is fairly obvious.

Article 3 of the sharia insurance efforts and the Reinsurance Reinsurance efforts differ from conventional insurance efforts and conventional reinsurance efforts. A conventionally managed Reinsurance and Reinsurance effort applies the concept of risk transfer, while sharia insurance efforts and Sharia Reinsurance efforts are the application of risk sharing concepts (risk sharing). Given the differences in the underlying conception of its efforts, sharia insurance efforts and Sharia Reinsurance efforts are currently allowed in the form of units within the insurance companies and conventional reinsurance companies will be encouraged. to be hosted by a separate entity.

Article 4 Is pretty clear.

Article 5

Quite clear. Section 6

Verse (1) The letter a

It is fairly clear.

The letter b is fairly clear.

The letter c of the Party intends to organize the General Insurance Business, the Mental Insurance Business, the Sharia General Insurance Business, or the Sharia Law Insurance Business with the form of the legal entity together after the Act is promultable, encouraged to be cooperative-shaped with a consideration of the clarity of governance and the principle of joint effort based on the family principle.

Verse (2)

Quite clear.

Verse (3) Things set out in Government Regulations among other governance, terms and terms of change to body

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No. 5618 5

limited liability laws or cooperatives, as well as the requirements and conditions of the dissolution of the joint venture law.

Article 7 Verse (1)

In the life of an increasingly open and rapidly growing economy, It takes care of an increasingly diverse and diverse risk management service by a healthy, reliable, secure, and competitive insurance company. To that end, the Perinsurance Company needs to be built with a strong, sourced application, sourced, both from within the country and from abroad. The letter a

Is quite clear. The letter b

Foreign-party ownership of the Perinsurance Company is qualitatively limited. The qualitative restriction is done by requiring that at the time of the establishment of a Perinsurance Company, a foreign entity that can be an owner is a foreign legal entity that has a similar Perinsurance business or a parent company. One of his subsidiaries is moving in on the same kind of Perinsurance business. The requirement of a foreign legal entity must have a similar Perinsurance effort intended to be a foreign partner who would become one of the insurance companies in Indonesia that is the insurance company that actually owns. experience of business in its field so that it is expected to occur transfer of capital and transfer of knowledge and technology to the Indonesian side.

Verse (2) It is fairly clear.

Verse (3) The provisions set in government regulations among others regarding Restrictions on ownership of foreign legal entities are quantitatively Such restrictions may be the maximum percentage of foreign ownership in the Perinsurance Company.

The restrictions are quantitatively requiring flexibility to adjust to the dynamics of the needs and availability of domestic funds.

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The limitation of the ownership of the foreign legal entity within the Perinsurance Company was consulted with the People's Representative Council of the Republic of Indonesia and the Financial Conduct Authority.

Article 8

Verse (1)

It is quite clear. Verse (2)

Is quite clear. Paragraph (3)

Clear enough.

Verse (4) Further provisions regarding the requirements and terms of the licensing of the endeavour in the form of the competency or expertise in the Perinsurance Business corresponds to the standard set forth by the IBM International Business Organization ("IBM"). The Financial Conduct Authority is included for foreign experts and experts.

Section 9

Verse (1) Time 30 (thirty) days of work includes time to clarify the data or information in the documents required to obtain a permit effort.

Verse (2)

Pretty clear. Article 10

Is quite clear. Article 11

Clear enough. Section 12

paragraph (1)

The fulfillment of the ability and propriety requirements for sharia supervising board members covers the integrity and competency of the duties and functions of sharia supervising board and the experience and expertise in the field of business perinsurance sharia.

Verse (2)

Pretty clear.

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Section 13 Verse (1)

Controllers are required for the Financial Services Authority to determine which parties are held accountable, in addition to directors and commissioners, in the event of a company failure to meet Obligations to the Polis, Responsible, or Participant of the Party's influence in the management of the company.

Verse (2)

It is fairly clear.

Verse (3) It is quite clear.

Article 14 Verse (1)

Quite clear. Verse (2)

Clear enough.

Verse (3) This consent is required among others for the Parties to be no longer Controllers no longer have the obligation to take responsibility for the loss of the Insurance Company, the Company Sharia Insurance, reinsurance company, or sharia reinsurance company caused by the party previously under its control.

Verse (4) Is pretty clear.

Article 15 is pretty clear.

Article 16

Verse (1) Enough clear.

Verse (2) The exceptions in this provision are intended for the country to have and/or control more than one company with a similar venture in order to provide insurance services for certain community groups or specific areas, be

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pioneering insurance venture activities that are not to be implemented by the private sector, or to host other public strategic benefits for the community.

Verse (3)

Things to be set further in Financial Conduct Authority rules among other large shareholdings and corporate consolidation methods.

Article 17 Verse (1)

It is pretty clear.

Verse (2) It is quite clear.

Verse (3) Things set in the Regulation Authority Finance and/or other information about the Cloud Service are available under the terms of the IBM International Terms of Service. expert and actuarial.

Article 18

Verse (1) Is fairly clear.

Verse (2) It is quite clear.

Verse (3)

The meaning of "selection standard" is the minimum requirement for the Party to be a partner of cooperation by Perinsurance company. "accountability" is a Perinsurance Company's belief in the ability and experience of a company to work with and the possibility of clarity of liability by the insurance company over activities or functions.

Verse (4)

The provisions set forth in the Regulation of Financial Services Authority among others regarding the type, value, and term of the diversion of functions that the Perinsurance Company may perform, Includes the following: foreign.

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Article 19 Verse (1)

Quite clear. Verse (2)

This provision is intended for the Insurance Fund or the Tabarru ' Fund to be properly managed, given the Insurance Fund or the Fund Tabarru' referred to as the fund that the company will use to fulfill its obligations to Policyholders, liabilities, or participants. The obligation to conduct an evaluation of the Insurance Fund or the Tabarru ' Fund is also performed in another country.

Verse (3)

It is quite clear. Paragraph (4)

Clear enough.

Section 20 Verse (1)

The Warranty Fund is set up to provide reassurance for the replacement of some or all of the rights of the Polis, Responsible, or Participant rights in the case of the company must be liquidated. As such, the Warranty Service is part of an effort to protect the Polis, Responsible, or Participant.

Verse (2) In general, the development of the effort results in an increase in the company's obligations to the Polis, Terresponsibilities, or Participants. It also means that the rights of the Polis, Responsible, or Participant rights need to be guaranteed if the company is liquidated.

Verse (3)

This provision is intended for the use of the Warranty Fund to restore some or all of the rights of the Polis, Responsible, or Participant rights at the time the company is liquidated.

Verse (4)

This provision is intended to prevent the misuse of the Guarantee Fund.

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Verse (5) Further provisions on the Warranty Fund include setting up the type of assets that can be used as the Warranty Fund, the minimum amount of Guarantee Fund that the company must have, the great adjustment of the Warranty Fund Based on the volume of the business, the method of removal or thawing of the Warranty Fund, and its efforts.

Article 21 Verse (1)

It is quite clear.

Verse (2) Is quite clear.

Verse (3) Is quite clear.

Verse (4) Separation of wealth and obligation to be executed by staying on the balance between business development and consumer protection.

Section 22

Verse (1) The Report is required to deliver the Perinsurance Company to the Financial Services Authority among other financial reports, business activity reports, and automated reinsurance support program reports. In addition, under the circumstances or for a particular purpose, the Perinsurance Company may also be required to deliver a thematic report for example the risk profile and execution of the corporate governance.

Verse (2)

It is quite clear.

Verse (3) Financial position, financial performance, and most announced financial health conditions include financial health ratios in accordance with provisions regarding the financial health of Insurance Company, Syariah Insurance Company, the company Reasurance, and sharia reinsurance company. The announcement via electronic media is conducted on the company ' s website and the Financial Conduct Authority website.

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Verse (4) Pretty clear.

Verse (5) Clear enough.

Verse (6)

The provisions set out in the Financial Conduct Authority Regulation among others regarding the type, form, and arrangement of reports or announcements, and schedule and deadline of delivery of reports and announcements.

Article 23

Pretty clear. Article 24

Clear enough. Article 25

Clear enough. Article 26

paragraph (1)

The provisions of the standard of business conduct for Sharia Insurance Company and sharia reinsurance companies refer to the Syariah Principles.

Verse (2)

Settings regarding the standard behavioral behavior in Regulation of the Financial Services Authority is adjusted to the type of Perinsurance Company ' s respective ventures.

Article 27 is pretty clear.

Article 28 is pretty clear.

Article 29

Verse (1) Is pretty clear.

Verse (2) Is pretty clear.

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Verse (3) Is pretty clear.

Verse (4) Is pretty clear.

Verse (5)

Pretty clear. Verse (6)

Pretty clear. Verse (7)

The imposition of the virginity services may be paid directly by the Polis Holder or become part of the Premi. In exchange for the departure of the Cloud Service is a part of the Premi, in a polis or document that is a unit with which the details of the premium are forwarded to the Insurance Company and the rewards of the departure services paid by the Cloud Service. to the Insurance Pialang Company.

Article 30

Is pretty clear. Article 31

Verse (1) Is pretty clear.

Verse (2)

Pretty clear. Verse (3)

Which is "fast" is that the process of handling claims and complaints is performed immediately, in short, converse time, and consconically. The "simple" means that the process of handling claims and complaints is lugas and uncomplicated.

The one referred to "accessible" is that the process of handling claims and complaints are held in the company's offices or Other places that are easy to visit, or are hosted by utilizing technology that makes it easier for people to deliver claims or complaints and get a response.

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The one referred to "fair" is that the process of handling claims and complaints is done by holding to the truth, impartial, and not arbitrary.

Verse (4) Actions that can slow the completion or payment of claims among others: a. extend the claim settlement process by requesting

the submission of certain documents, which are then followed by requesting the submission of another document that essentially contains the same thing;

b. delay completion and payment of claims for waiting for a settlement and/or payment of its reinsurance claim;

c. does not complete the settlement of the claim that is part of the insurer's closure due to the reason for the connection with the settlement of the claim that is another part of the insurer closing in 1 (one) of the same policy;

d. Slowing the appointment of an insurance loss company, if insurance loss services are needed in the process of completion of the claim; and

e. implement a claim completion procedure that does not correspond to the general applicable insurance business practices.

Verse (5) is fairly clear.

Article 32 is pretty clear.

Article 33 is pretty clear.

Article 34 is pretty clear.

Article 35 Verse (1)

These provisions are based on the consideration that cooperatives or joint ventures have the limitations of the ability to add capital. However, on the other side of the cooperative or joint effort remains to ensure its ability to fulfill obligations to the Polis Holder, Terresponsibilities, or Participant.

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Verse (2) These provisions are intended to affirm the concept of mutual dependents and share the risk of intermembers, and avoid the presence of members who only become financiers for the insurance efforts run by the Company Insurance and the Syariah Insurance Company form a cooperative or joint effort as referred to in Article 6 of the paragraph (1) letter c.

Verse (3) These provisions are also intended to affirm the concept of mutual dependents and share the risk of intermembers, and avoid the presence of members who are only financiers.

Verse (4)

Quite clear. Paragraph (5)

referred to as "financial requirements" among other principal deposits and mandatory savings that members must be paid for.

This article 36 of these Terms is intended to drive the Insurance Company, Insurance Company Sharia, a reinsurance company, and a sharia reinsurance company in order to actually perform its functions as a performing and/or re-performing.

Optimizing the utilization of domestic reinsurance capacity is done by placing Most of the insurance companies are on the insurance company and/or Reasurance companies in the country, both individually and together, with regard to the principles of risk management, primarily risk-spreading.

Article 37

Government and/or Financial Services Authority, either self-alone or together, able to do the steps, such as: a. forming a new reinsurance company;

b. Combine multiple state-owned enterprise entities in the field of insurance and assigning companies that merge into a reinsurance company;

c. provide a facility for the establishment of pool or a consortium insurance for certain risks, e.g. natural disaster risk; or

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d. avoidance of multiple tax imposition against the insurance industry.

Article 38 is fairly clear.

Article 39

Verse (1) Is fairly clear.

Verse (2) Is quite clear.

Verse (3)

The Financial Services Authority must specify terms for the parties that will host the Wajib Insurance Program, e.g. large capital and business infrastructure availability.

Verse (4)

Which is referred to "additional benefits" is the quantity of the benefits provided and not additional types of benefits.

Verse (5)

Pretty clear. Article 40

Verse (1) The change of ownership includes among other changes in stock composition, takeover, and addition of new shareholders.

Verse (2)

Quite clear. Verse (3)

Is quite clear. Verse (4)

Is pretty clear.

Verse (5) Is pretty clear.

Verse (6) Is pretty clear.

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Article 41 Is fairly clear.

Article 42 Verse (1)

Quite clear.

Verse (2) Is quite clear.

Verse (3) It is quite clear.

Verse (4)

Things to be set further in the Regulation Authority Finance is a transfer of a portfolio of dependents or refunds of Licensee's rights before the Insurance Company or the Reinsurance Company terminates its business activities.

Article 43

It is quite clear.

Article 44 Verse (1)

The liquidation of the company that has revoked its business permit needs immediate performed to protect the interests of the Polis Holder, Terliability, or Participant.

Verse (2) Is quite clear.

Verse (3) Is pretty clear.

Article 45 Verse (1)

It is pretty clear.

Verse (2) It is pretty clear.

Verse (3) Things set in the Financial Conduct Authority Regulation among others:

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a. the dissolution mechanism of the legal entity of the Insurance Company, the Sharia Insurance Company, the reinsurance company, or the sharia reasurance company;

b. the number of members of the liquidation team; c. earnings of the liquidation team; d. Plan for the liquidation of liquidation; e. the term of liquidation; f. supervision of the liquidation of liquidation by the Conduct Authority

Finance;

g. plan the transfer of assets and liabilities of the Insurance Company, Sharia Insurance Company, reinsurance company, or sharia reasurance company; and

h. The liquidation team's accountability. Article 46

Clear enough. Article 47

Quite clearly.

Article 48 Verse (1)

The bill is submitted through the Financial Conduct Authority intended to ease the billing process, but the Financial Conduct Authority does not conduct verification of the bill.

Verse (2) Is quite clear.

Article 49 Is pretty clear.

Article 50 Verse (1)

Seroads with the Financial Services Authority task scope that organizes integrated regulatory and regulatory systems against the whole activities within the financial services sector, then the filing authority pailit against Insurance Company, Sharia Insurance Company, reinsurance company, and the sharia reinsurance company that was originally conducted by the Minister of Finance under Law Number 37 of the Year 2004 on Bankruptcy and Delay

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The Utang Payment Oblicity is switched to the Financial Services Authority's authority under this Act.

Verse (2) Is fairly clear.

Verse (3)

Quite clear. Article 51

Clear enough. Section 52

Clear enough.

Article 53 Verse (1)

The policy licensing program is intended to guarantee a partial refund or all of the rights of the Polis, Responsible, or Participant entitlements of the Insurance Company or Insurance Company Sharia revoked his business permit and liquidated.

In addition, the existence of the police outreach program is intended to increase people's confidence in the perinsurance industry in general so that it is expected to increase interest. the public to use the insurance services.

Verse (2) Is pretty clear.

Verse (3) Pretty clear.

Verse (4) Is pretty clear.

Article 54

Verse (1) Is pretty clear.

Verse (2) Which is referred to as "independent" is not affected by any other party.

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Which is referred to "impartial" is not siding with any of the disputing parties.

Verse (3) It is quite clear.

Verse (4)

It is quite clear. Verse (5)

Clear enough. Section 55

Verse (1)

The letter is fairly clear.

The letter b is quite clear.

The c-case referred to as "assessor" is an asset assessor.

The letter d

Is quite clear. Verse (2)

These provisions are based on the consideration that the Perinsurance Venture has characteristic that the service provider's profession for the Perinsurance Company must meet certain qualifications.

Verse (3)

It is quite clear. Article 56

Clear enough. Article 57

Verse (1)

The setting and supervision of the Perinsurance Business activities by the Financial Conduct Authority among other aspects of governance, business conduct, and financial health. In question, "surveillance" is analysis of reports, checks, and inquiries.

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Verse (2) The general policy in the development of insurance utilization and reinsurance to support the national economy includes foreign ownership of the Perinsurance Company, an increase in insurance capacity, Sharia, reinsurance, and reinsurance in the country, as well as granting fiscal facilities to individuals, households, and/or micro-, small, and medium enterprises.

Article 58

It is pretty clear.

Article 59 is quite clear.

Article 60 Verse (1)

Is quite clear. Verse (2)

The letter a

Is quite clear. Letter b

Pretty clear. The letter c

Is pretty clear.

The d-letter is pretty clear.

The letter e is pretty clear.

The letter f is pretty clear.

The g

It is pretty clear. Letter h

Clear enough. Font i

Pretty clear.

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The letter j is pretty clear.

The letter k is pretty clear.

The letter l

The number 1 is pretty clear.

The number 2 is pretty clear.

The figure 3

Is pretty clear. Figure 4

Pretty clear. Figure 5

In question a certain insurance product that may be terminated is a product that may harm the Polis, Responsible, or Participant products, products that are in conflict with applicable laws and norms. applies to the public, and/or products that can harm the financial Insurance Company, Syariah Insurance Company, reinsurance company, or sharia reinsurance company.

Number 6

Quite clear. The letter m

Is quite clear. The letter n

Is quite clear.

Article 61 Verse (1)

The examination can be conducted by means of an inspection at the Perinsurance Company ' s office and/or examination in the Financial Conduct Authority office. Inspection at the Perinsurance Company ' s office can be done against the entire aspect

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The hosting activities of the Perinsurance Company and/or against certain aspects of the Perinsurance Company's activities. Whereas the examination in the Financial Conduct Authority office is carried out only against certain aspects of the Perinsurance Company ' s corporate activities. Checks in the Financial Services Authority office can be actionable with an inspection in the Perinsurance Company ' s office if:

a. The data, documents, and/or statements of the checked-out Perinsurance Corporation may not provide sufficient base for the Financial Services Authority employees and/or other parties appointed by the Financial Services Authority who conduct the examination in the office. Financial Conduct Authority to make conclusions over the results of checks in the Financial Conduct Authority office; dan/or

b. The insurance company's response is checked against the results of the results of the results in the Financial Conduct Authority office.

Verse (2) Which is referred to as "other parties" are bodies, institutions, institutions, or persons, both from within and outside. Financial Services Authority. The parties are among other public accountants, actuarial consultants, fraud assessors, civil servants and/or officials of the Republic of Indonesia Police.

Verse (3)

Clearly. Verse (4)

Pretty clear.

Verse (5) It is pretty clear.

Article 62 Verse (1)

It is pretty clear.

Verse (2) The letter

referred to "wealth" among other letters of value, land, building, and vehicles.

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The letter b is quite clear.

The letter c is pretty clear.

The d.

It is pretty clear. The letter e

Is quite clear. Paragraph (3)

Clear enough.

Verse (4) These provisions are based on that the directors and the nonactive commissioners of the Perinsurance Company are considered the most aware of the financial and operational circumstances of the Perinsurance Corporation being taken $(5)

Verse (5)

Clear enough. Verse (6)

Pretty clear. Article 63

Verse (1)

Is quite clear. Verse (2)

The written order " is the written order to perform or do not carry out certain activities to meet the provisions of the laws in the financial services sector and/or prevent and mitigate The Polis, Terresponsibilities, or Participant's loss.

Verse (3) is pretty clear.

Verse (4) Is pretty clear.

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Verse (5) Pretty clear.

Article 64 is pretty clear.

Article 65

Quite clear. Article 66

Verse (1) Is fairly clear.

paragraph (2)

This provision is based on that Controllers have an important role, whether directly or indirectly, which may affect the management or policy of a Company Perinsurance.

Verse (3) Is pretty clear.

Verse (4)

Pretty clear. Verse (5)

Clear enough. Paragraph (6)

Clear enough.

Article 67 of the Information the Financial Services Authority may be in secret information, among other information related to the national economic stability and information related to The insurance policy of the Perinsurance venture out of competitive enterprise is not healthy. Such confidential information may be accessed by an employee of the Financial Services Authority or a designated party and/or be assigned a task by the Financial Conduct Authority.

Section 68

Verse (1) This arrangement is intended to improve the role of the association in governing its members (self regulatory) and launch coordination with the Financial Conduct Authority.

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Verse (2) Quite clearly.

Article 69 Verse (1)

The assignment or detection of certain powers of the Financial Conduct Authority to the association among other sets of business ethics standards and manners (code of conduct), the establishment of a risk profile and a mortalita table, as well as the execution and designation of an agent certification.

Verse (2)

Quite clear. Article 70

Clear enough. Section 71

Verse (1) Is quite clear.

Verse (2)

Quite clear. Paragraph (3)

Example of conditions that endanger the interests of the Polis, Responsible, or Participant of the company's financial condition deteriorated drastically, the shareholders were not cooperative, and/or directors and commissioners, or equivalent with directors and commissioners on a cooperative-shaped legal entity or joint effort as referred to in Article 6 of the paragraph (1) the letter c, has no way out to address the problem.

Verse (4)

Quite clear.

Article 72 Pretty clear.

Article 73 is pretty clear.

Article 74

Pretty clear.

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Article 75 is pretty clear.

Article 76 is pretty clear.

Article 77

Quite clear. Section 78

It is quite clear. Article 79

Quite clearly.

Article 80 is pretty clear.

Article 81 is pretty clear.

Article 82 is pretty clear.

Article 83

Verse (1) Is pretty clear.

Verse (2) Is pretty clear.

Verse (3)

Which is referred to "permission" is a permit outside of the business permit. Examples of permits or approvals include permission to market insurance products and approvals for bancassurance.

Article 84

Quite clear. Article 85

Pretty clear.

Article 86 is pretty clear.

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Article 87 Verse (1)

Quite clear. Paragraph (2)

The provisions set out in the Regulation of the Financial Conduct Authority among others regarding the obligations of making a work plan and the liability of the company inform the plan of separation to the Polis Holder and Participant.

Article 88

Quite clear.

Section 89 of the mandatory provisions include provisions regarding the aspects of the Wajib Insurance Program contained in the laws regarding the mandatory passenger crash funds and last crash funds. cross the road.

Article 90

Quite clearly.

Article 91 Is pretty clear.

Article 92 is pretty clear.

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