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Investor Presentaiton

NEW BI REGULATION New LTV Regulation takes effect in Aug 2016: Property Type First Mortage Second Mortgage Third Mortgage Old New Old New Old New Landed House Land > 70 sqm 80% 85% 70% 80% 60% 75% Land 22-70 sqm 80% 85% 70% 80% Apartment Area > 70 sqm 80% 85% 70% 80% 60% 75% Area 22-70 sqm 90% 90% 80% 85% 70% 80% Area < 21 sqm 80% 85% 70% 80% Shophouse - 80% 85% 70% 80% COLIPPO PT LIPPO KARAWACI TBK Mortgage disbursement scheme for unbuilt properties: (applies to 1st and 2nd mortgage) Stages of disbursement Old New Signing of Mortgage 0% 0% Completion of Foundation. 50% 40% Topping Off 30% 40% Hand-over 10% 10% Change of Title 10% 10% 47

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