Client ID: WHIOB1-73654489

/ / 2020

WEALTH HILLS INVESTMENT ORGANISATION (WHIO) LTD

75001 Paris France 15 Vendome
HENRY MEBE NGO’O
HARUN MOHAMED.

Dear Sir,
Reference: LN-$468M-FSL-J-00339

Thank you for submitting your loan enquiry and associated documentation. From our initial
review, subject toa satisfactory report on the merits of the projects provided by you, I am
pleased toinform you that your project is eligible for funding and we will be pleased to
arrange for your funding.

Themain terms of thefunding are detailed on the attached Term sheet, which will form the
basis of theloanagreementandarrangementsforthelendingoffers. Shouldyouneed further
clarification on these terms, or wish to discuss any changes, please let us know. This Term
Sheet is not to be construed as the legally binding agreement and any loan offer will be
subject to completion of a satisfactory review of the project to be funded, due diligence and
contract and supersedes and replaces any previous issued Term Sheet in its entirety.

As soonasyou arereadytoproceed,youmustreturnasignedcopyof theTermSheet.Youwill

then submit all the loan filling documents to be listed and an appointed fiduciary agent will
commence work on set up of the Lending SPV and document pack and will provide you with
draft loan documentation and associated agreements for your review. Proof of cash or
assets fromathird party will need to be provided prior to execution of the final Agreements.
Upon execution of the final Agreements, the process of the loan generation can commence.

Inorderthat work maycommence,pleasereturnthefollowing tous:

 A copy of the attached Term Sheet duly signed

 Resume of Principals, Valid International Passport.

Yours faithfully

Joseph Owour (Managing Partner)

Address : 75001 Paris France 15 Vendome

TELEPHONE: +33755898195
REG.N° °2020/005684/56
 LOAN TERM SHEEP
The Borrower WEALTH HILLS LIMITED (WHIO)
DR. HENRY MEBE NGO’O and MR. HARUN
MOHAMED.

The Lender

The Capital Source WEALTH HILLS INVESTMENT ORGANIZATION

(WHIO) Ltd.

Estimated Peak Debt (Including principal, interest, fees, charges

and commissions)

Lending WHIO Cash Management Services WHIO Limited

The Introducer (“Facilitator”, “we”,”us”) Mr. Sugianto

Purpose of Facility Garuda Kencana Hospital Project

Term of Facility 10 Years.Commencing fromthefirstdrawdown.

12 Months grace period shall be
granted.

Loan Principal Amount

Cost Budget account

Principal Repayments Principal is to be repaid in full as a lump

sum at the loan expiry. Early repayments, full
or partial, are permitted without charge or
penalty.

Interest Rate The interest rate is fixed for the term of the
Loan at 3% per annum.

The Borrower is not required to provide a

Proof of cash or assets bond
subscription. Or theBorrower is required
to
provide thirdpartyverification of cash or
assets
equal to or greater than one tenth of the
amount
of the loan
required.

The Lender requires first charge security over

some or all of theassets of theTransaction, or
at the Lender’s discretion alternative assets
offered
Address : 75001 Paris France 15 Vendome
TELEPHONE: +33755898195
REG. N° ° 2020/005684/56

Security (Asset Collateral)
As security, and may require further
security and/or guarantees.
The Loan is offered without recourse to the
Borrower unless specific
guaranteesarerequired from the Borrower.
At all times the maximum Loan to Value ratio
will be 100%. There is flexibility over the
assessment of Value, including avaluation
based on future values andexpectations, an
LTV breachbasedon current asset values at
any point will therefore not
automaticallytrigger a breach of loanterms.
Any undertakings, representations and
events of default will be appropriate for a
facility of this type, including step-in rights
into the administration and management
contracts and all assets held in the
Transaction.
In the unlikely event that only part of the total
Loan has been made available tothe
Borrower and the Lender cannot lend the
remainder, the Lender will step down to a
Junior Lender position if the Borrower needs
tosource further Senior
Debt.
Fees, Charges and Commissions
Exit and Repayment Charges
Introducer’s Commissions is 1.5% of the
loan amount will be payable
automatically tothe
introducers by the Lenders.
There are no Exit or Repayment fees or
charges for either early repayments or
scheduled repayments.

Capital Source will take a 10% equity share

Equity Share as part of collateral for the duration of the
investment, such shares would be returned
at the termination of the loan contract.
These
shares will be explicitly identified as
collateral shares.
Statutory requirements for a borrower loan
submission, the Borrower is required to provide
an independent report that provides an
overview of the merits of the project to be
funded, commentary on the experience and
track record of the management team with a
cash flow forecast for review prior to the
Issuance of the loan terms. Upon successful

review, the Borrower isrequiredto providethe

Cost Budget of a minimum of US$
……Depending on the amount
requesting for loan or JV

Address : 75001 Paris France 15 Vendome

TELEPHONE: +33755898195
REG. N° ° 2020/005684/56
 The Costs Budget will cover the
Costs Budget following expenditure:

 Lender’s Due Diligence over the

third party verification of
cash/assets, the Transaction and
theparties including Anti Money
Laundering
 Appropriate valuation ofthe
Asset Collateral
 Arranging Security overthe
Asset Collateral
 Arranging security over the
Asset Collateral
 Initialoperating expenses of
the Lender
 Notaries and fillings
 Expenditure incurred byuspre-
agreed to be deducted
 Anyother expenditure directly
related to preparation of
thestructure

Lender’s Requirement for the The Borrower will satisfy the terms and
Closing Transaction conditions of this loan before closing, and must
be in France for the signing of all contract
paper Works and receive the loan amount.

The Lender will appoint its wealth

management consultant to coordinate the
closing and fund disbursement in France
and provide relevant guidance to the
Borrower with the closing agendaand loan
disbursementschedule for the meeting .

Applicable Law Laws of France and international arbitration

and ICC (International Chamber of
Commerce) as appropriate

Expiry Date Unless the term sheet is signed and the

Costs Budget paid within 30 days of the
date of this term sheet, the terms herein
will expire.

Address : 75001 Paris France 15

Vendome
TELEPHONE: +33755898195
BORROWERS ACCEPTANCE ACKNOWLDGEMENT

I PT. MAJU JAYA LANGGENG on behalf of my

company, do accept and confirm to the outlined term sheet above and I hereby acknowledge my
interest to proceed with the structured arrangements and work towards with the lending
terms.

Accepted by and authorized person for an on behalf of (The Borrower)

Signed: dr. H. DIDI MULYADI SKM MMPD

Company Name: PT. MAJU JAYA LANGGENG

Title: Direktur Utama

Date: 18 May 2020
Address: Jl. Raya Pantura KM.05 No.007, Ciasem Hilir-Ciasem,
Kabupaten Subang - Jawa Barat Indonesia
Stamp/Seal:

DISCLOSING THE CONTENTS CONTAINED HEREIN TO PARTIES NOT MENTIONED WITHIN THIS DOCUMENT IS
PROHIBITED.THIS DOCUMENT, SENT BY E-MAIL SHALL BE CONSIDERED ORIGINAL, BINDING AND

Address : 75001 Paris France 15

Vendome
TELEPHONE: +33755898195
ENFORCEBLE.

Address : 75001 Paris France 15

Vendome
TELEPHONE: +33755898195