Please clarify

We, the Foundation of Indonesian Insurance Consumers (YLKAI), welcome the insurance claim payment by PT Asuransi Jiwa Manulife Indonesia ("Manulife") to the heirs of the late Lt. Col. (Navy) Paulus Tanuhandaru (customer). However, we have received a number of questions from some insurance consumers about this unusual claim payment, due to the fact that Manulife is yet to admit its debt to the customer despite having paid the claim in full, plus interest.

Therefore, as an information service for insurance consumers in Indonesia, we would like Manulife to clarify the following: 1. If Manulife's payment to its customer is not intended as the payment of a debt arising from the policy claim, is this payment accountable both on a legal basis and on the basis of good intent? We request that Manulife explain the fulfillment of what obligation the payment has been made under. 2. If the payment is made only to avoid a ruling on the bankruptcy of Manulife, which can be passed on it should it refuse to make payment, as reportedly notified earlier to Manulife by the judge hearing a bankruptcy case, please let us know whether the judge divulged this information during the court proceeding or out of court. YLKAI attended each official trial session open to the public but never heard the judge say anything to that effect. 3. If Manulife thinks that the information that the judge divulged before the reading of the official verdict was in violation of Law No. 14/1985, it can be concluded that this information is illegal. Manulife should explain why it has made a business decision of such importance on the basis of an illegal and uncertain piece of information.

We look forward to, and give thanks, for the anticipated response from Manulife.

EFLIN BUTAR BUTAR

YLKAI

Jakarta