NAME: ERIKA YOLANDA

NRP: 2087036

3.

POWER OF ATTORNEY

The undersigned below :

N a m a: UNTUNG BEJO

Occupation: President Director of PT. BANK KAYADANA

Address: Jalan MH Thamrin No. 09, Central Jakarta.

henceforth as the Authorizer.

In this case, choosing a legal domicile in the Office of the Proxy as stated below,
hereby gives power to:

Advocates, attorneys and legal advisors at the Law Office of Enoni Nikaoni Harefa,
S.H having its address at Jl. Somawinata No.5 who act either together or
separately; henceforth as a Proxy.

SPECIAL:

For and on behalf of the power of attorney as Untung Bejo versus Need Clalu
having the address as Defendant Jl. Gajah Mada No. 100, Central Jakarta
regarding debt repayment, at the Jakarta District Court

The Power of Attorney is given the right to appear before the District Court and
other Judicial Bodies, civil officials related to the case, submit the necessary
applications, submit and sign the lawsuit, Replik, Conclusion, conciliation / dading,
submit and receive Answers , Duplicates, witnesses and evidence, hears decisions,
removes cases from the roll, carries out actions, or provides information which
according to law must be carried out or given by a proxy, receives money and
signs receipts, receives and make payments in this case, defend the interests of
the power of attorney, file an appeal, appeal, ask for execution, reply to any
opposition, hold and generally make everything deemed necessary by the Power
of Attorney.

This power of attorney and power can be transferred to another person with the
right of substitution and expressly with the right of retention and so on according
to the law as meant in article 1812 of the Civil Code and according to other
conditions stipulated in law

Jakarta, December 17, 2020

Power of Attorney Receiver of power

Untung Bejo Erika Yolanda, S.H