Individual Interest & Fees

Simpanan
Pinjaman
Kartu Transaksi

Tabungan

Tanda 360 Plus

Tanda Payroll

Tanda Premium

Tanda Valas SGD

Tanda 360

Tanda Junior

TabunganKu

OCBC NISP SimPel

Savings Plan

Taka Angsuran Tetap

Taka Bunga

Taka Hadiah

Taka Bunga Pasti

Deposito

Deposito IDR

Deposito Valas

Setoran Rupiah

Tunai

Non-Tunai

Setoran Valas

Tunai

Non Tunai

Penarikan Valas

PENARIKAN RUPIAH

TRANSFER Rupiah dalam Negri

Transfer Valuta Asing Outgoing TT

Lainnya

Biaya

Term	Tanda 360 PLUS
Currency	IDR	USD	SGD	AUD	JPY	EUR	HKD	CHF	GBP	CAD	NDZ	CNH
Proof of Account Mutation	Statement*/E-statement
Initial Deposit	200.000	100	100	100	10.000	100	1.000	100	100	100	100	1.000
Minimum Average Balance (monthly)	Equivalent IDR 10,000,000
S/C for below minimum average balance (monthly)	Equivalent IDR 12,500
Admin Fee (monthly)	FREE*	FREE	FREE	FREE	FREE	FREE	FREE	FREE	FREE	FREE	FREE	FREE
Closing Fee	100.000	10	20	20	1.000	10	100	10	10	10	20	50
ATM Card	Yes	No	No	No	No	No	No	No	No	No	No	No
Dormant Fee	IDR 15.000 / month

*) Change in features/fees will be effective start August,25 2022.

*) More information: www.ocbcnisp.id/prdactv

Fee & Charges
Currency	IDR
Proof of Account Mutation	Statement / E-Statement
Initial Deposit	IDR 50,000
Minimum Average Balance (monthly)	IDR 10,000
S/C for below minimum average balance (monthly)	IDR 5,000
Admin Fee (monthly)	Free*
Closing Fee	IDR 10,000
Dormant Fee	IDR 15,000/bulan

*) Change in features/fees will be effective start August,25 2022.

*) *) More information: www.ocbcnisp.id/prdactv

Fee & Charges
Currency	IDR
Proof of Account Mutation	Statement* / E-Statement
Initial Deposit	IDR 1,000,000
Minimum Average Balance (monthly)	IDR 50,000,000
S/C for below minimum average balance (monthly)	IDR 100,000
Admin Fee (monthly)	FREE*
Closing Fee	IDR 100,000
Dormant Fee	IDR 15,000 / month
ATM Card	YES
Cash Withdrawal Fee	N/A
Debit Card Transaction using EDC / POS Fee (Global Wallet)	N/A

*) Change in features/fees will be effective start August,25 2022.

More information: www.ocbcnisp.id/prdactv

Regulations

Currency	SGD
Initial Deposit	SGD 500
Min. Monthly Balance	SGD 20
Monthly Administration Fees	No Fee
Closing Fee	SGD 20
Minimum Balance Fee	SGD 2
ATM Card	Yes
Dormant Fee	SGD 2 / Month

Product Features

Your Tanda Valas SGD ATM Card can be used for:

Cash Withdrawal in SGD currency from OCBC Singapore ATMs (free withdrawal fee).

Effective from 1 March 2023, there are changes in features, service, benefit, and fees with details as follows:

No.	Product Name
No.	Valid until 28 February 2023	Effective from 1 March 2023
1.	Tanda 360	Tanda 360
2.	Tanda Silver
3.	Tabungan Harian
4.	Tabungan Bisnis
5.	Tanda Senior
6.	Tanda Co Branding
7.	Tanda Wulan
8.	Tanda Gold
9.	Tanda Reguler
10.	Tabungan Tanda
11.	Tabungan Bundling (IDR)
12.	E-One Saving
13.	Tanda Bundling Valas (IDR)
14.	Tanda 360 Komunitas^*

^*Effective per 1 March 2023, Tanda 360 Komunitas porduct will be used specifically for payroll and community accounts. For Tanda 360 Komunitas account (Non Payroll and Non Komunitas) will be adjusted to Produk Tanda 360. More details:

Terms & Conditions: Click here
Product Information Summary: Click here

The following are the interest rate apply to Tanda 360 Product:

Interest Rate (% p.a)
< IDR 10 mio	0,00%
IDR 10 mio - < IDR 50 mio	0,05%
IDR 50 mio - < IDR 1 bil	0,10%
≥ IDR 1 bil	0,50%

Interest rate can change at any time according to he provisions in force at bank OCBC NISP
Method of calculating multilevel daily interest payments

The following are term of features, services and fees for Tanda 360 Product:

Conditions		TANDA 360
Currency		IDR
Account Statement		Passbook/ E-Statement/ Statement
Initial Deposit		IDR 200.000
Admin Fee (monthly)	Passbook	IDR 5.000
Admin Fee (monthly)	E-Statement/ Statement	Free
Minimum Average Balance (monthly)		IDR 10.000.000
S/C for below minimum average balance (monthly)		IDR 12.500
Closing Fee		IDR 100.000
Dormant Fee		IDR 15.000/month
Printed Statement Fee		IDR 20.000/month

Tanda 360 product benefit are as follows:

Benefit
Free of change cash withdrawals at ATM OCBC NISP	Gratis
Free Transfer Fees between banks via ATM OCBC NISP/ ATM Prima Network/ATM Bersama and through internet & Mobile Banking OCBC NISP (Only valid Online and LLG)	30 X Transaction/ month Balance after transaction ≥ IDR10 Mio
Free of change cash withdrawals at ATM other than OCBC NISP (ATM Jaringan Prima, Bersama and OCBC Singapore)
Free shopping fees/debit (Jaringan VISA/Mastercard dan Debit BCA/Prima/GPN)	Free

No.	Product Name
No.	Valid until 28 February 2023	Effective from 1 March 2023
1.	Tanda 7	Tanda Premium

Effective from 1 March 2023, Tanda 7 product will be adjusted to Tanda Premium product. More details click here

No.	Product Name
No.	Valid until 28 February 2023	Effective from 1 March 2023
1.	E-One Transaction	Tanda 360 Plus
2.	Tanda 360 @ Work	Tanda 360 Plus

Effective from 1 March 2023, E-One Transaction and Tanda 360 @Work product will be adjusted to Tanda 360 Plus. More details click here

Fee & Charges	IDR	USD	SGD
Initial Deposit	IDR 50,000	5	5
Minimum Average Balance (monthly)	IDR 50,000	5	5
S/C for below minimum average balance (monthly)	FREE	FREE	FREE
Admin Fee (monthly)	FREE	FREE	FREE
Closing Fee	IDR 50,000	5	5
Dormant Fee	IDR 15,000 / month	USD 1 / month	SGD 2 / month
ATM Card	YES	N/A	N/A
Cash Withdrawal Fee (Global Wallet)	N/A	N/A	N/A
Debit Card Transaction using EDC / POS Fee (Global Wallet)	N/A	N/A	N/A

Interest Fee

Fee
Initial Deposit	IDR 20,000
Minimum Balance Fee	IDR 20,000
Monthly Administration Fees	Free
Closing Fee	IDR 20,000
Dormant Fee	IDR 2,000/month

Fee
Initial Deposit	IDR 5,000
Monthly Average Minimum Balance	IDR 5,000
Monthly Administration Fees	–
Closing Fee	IDR 5,000
Dormant Fee	IDR 1,000/ month

TAKA Interest Rate
Start from November 14^th 2022

Product	Interest Rate (p.a) until 13 Nov 2022	Interest Rate (p.a) Eff. 14 Nov 2022
Opening TAKA via Branch
TAKA Angsuran Tetap	2.50%	3.75%
Opening TAKA via ONe Mobile / Internet Banking
TAKA Angsuran Tetap	2.50%	3.75%

Tarif dan Biaya
Cabang	Online
Tutup rekening sebelum jatuh tempo : Rp100 ribu	Tutup rekening sebelum jatuh tempo : Rp100 ribu

Suku Bunga TAKA
Effective November 14^th 2022

Product	Interest Rate (p.a) until 13 Nov 2022	Interest Rate (p.a) Eff. 14 Nov 2022
Opening TAKA via Branch
TAKA – IDR	2.75%	2.75%
TAKA – USD	0.25%	2.00%
TAKA – SGD	0.01%	0.01%
Opening TAKA via ONe Mobile / Internet Banking
TAKA – IDR	3.15%	3.15%

Tarif dan Biaya
Tutup rekening sebelum jatuh tempo : Rp 100 ribu

Interest Rate of Taka Hadiah

Applied from December 17th 2020

Program	Branch	Online
Taka Hadiah	0.50% per year	0.50% per year

Fees and Rates
Tutup rekening sebelum jatuh tempo : Rp 100 ribu+Pinalti Hadiah

TAKA Interest Rate
Effective November 14^th 2022

Product	Interest Rate (p.a) until 13 Nov 2022	Interest Rate (p.a) Eff. 14 Nov 2022
TAKA Bunga Pasti with Target Funds ≥ IDR 10 Mio
Opening TAKA via Branch
Fixed 1 year	2.75%	3.25%
Fixed 2 years	2.75%	3.75%
Fixed 3 years	2.75%	4.25%
Opening TAKA via ONe Mobile / Internet Banking
Fixed 1 year	3.25%	3.75%
Fixed 2 years	3.25%	4.25%
Fixed 3 years	3.25%	4.75%

Tarif dan Biaya
Cabang	Online
Tutup rekening sebelum jatuh tempo: Rp100 ribu	Tutup rekening sebelum jatuh tempo: Rp100 ribu

Regular Interest Rate

	Period of Time( Month )
Nominal placement	≥1	3	>3-<12	12
Minimum IDR 8 Million	2,25%	2,25%	2,25%	2,25%

Mobile/ Internet Banking Interest Rate:

	Interest Rate (% p.a)
Nominal Placement	14 Days	1 Month	3 Months	6 Months	12 Months
≥ IDR 1 Million - < IDR 100 Million	2.00%	2.85%	2.85%	3.00%	3.25%
≥ IDR 100 Million - < IDR 500 Million	2.00%	2.85%	2.85%	3.00%	3.25%
≥ IDR 500 Million - < IDR 1 Billion	2.00%	2.85%	2.85%	3.00%	3.25%
≥ IDR 1 Billion - < IDR 2 Billion	2.00%	2.85%	2.85%	3.00%	3.25%
≥ IDR 2 Billion - ≤ IDR10 Billion	2.00%	2.85%	2.85%	3.00%	3,25%

*The interest rate is subject to change anytime
*Effective January 24^th, 2022

Interest Rates

Deposits USD Interest Rate

	Interest Rate (% p.a)
Nominal Placement	1 month	3 months	6 months	12 months
< USD 10 thousand	0.10%	0.10%	0.10%	0.10%
USD 10 thousand - < USD 50 thousand	0.10%	0.10%	0.10%	0.10%
USD 50 thousand - < USD 100 thousand	0.10%	0.10%	0.10%	0.10%
≥ USD 100 thousand	0.10%	0.10%	0.10%	0.10%

Deposits SGD Interest Rate

	Interest Rate (% p.a)
Nominal Placement	1	3	6	12
< SGD 10 thousand	0.00%	0.10%	0.00%	0.10%
SGD 10 thousand - < SGD 50 thousand	0.00%	0.10%	0.00%	0.10%
SGD 50 thousand - < SGD 100 thousand	0.00%	0.10%	0.00%	0.10%
≥ SGD 100 thousand	0.00%	0.10%	0.00%	0.10%

Deposits GBP Interest Rate

	Interest Rate (% p.a)
Nominal Placement	1	3	6	12
< GBP 10 thousand	0.00%	0.00%	0.00%	0.00%
GBP 10 thousand - < GBP 50 thousand	0.00%	0.00%	0.00%	0.00%
GBP 50 thousand - < GBP 100 thousand	0.00%	0.00%	0.00%	0.00%
≥ GBP 100 thousand	0.00%	0.00%	0.00%	0.00%

Deposits AUD Interest Rate

	Interest Rate (% p.a)
Nominal Placement	1	3	6	12
< AUD 10 thousand	0,00%	0,00%	0,00%	0,00%
AUD 10 thousand - < AUD 50 thousand	0,00%	0,00%	0,00%	0,00%
AUD 50 thousand - < AUD 100 thousand	0,00%	0,00%	0,00%	0,00%
≥ 100 thousand	0,00%	0,00%	0,00%	0,00%

Deposits CNH Interest Rate

	Interest Rate (% p.a)
Nominal Placement	1	3	6	12
< CNH 50 thousand	0,10%	0,40%	0,50%	0,50%
≥ 50 thousand	0,10%	0,40%	0,75%	0,75%

Deposits EUR Interest Rate

	Interest Rate (% p.a)
Nominal Placement	1	3	6	12
< < EUR 10,000	0,00%	0,00%	0,00%	0,00%
EUR 10,000 s/d < EUR 50,000	0,00%	0,00%	0,00%	0,00%
EUR 50,000 s/d < EUR 100,000	0,00%	0,00%	0,00%	0,00%
> EUR 100,000	0,00%	0,00%	0,00%	0,00%

Deposits JPY Interest Rate

	Interest Rate (% p.a)
Nominal Placement	1	3	6	12
> JPY 1 Million	0,00%	0,00%	0,00%	0,00%
>=JPY 10 Million s/d < JPY 50 Million	0,00%	0,00%	0,00%	0,00%
>=JPY 50 Million s/d < JPY 100 Million	0,00%	0,00%	0,00%	0,00%
>= JPY 100 Million	0,00%	0,00%	0,00%	0,00%

Mobile/Internet Banking Deposits Interest Rate

USD

	Interest Rate (% p.a)
Nominal Placement	1 month	3 months	6 months	12 months
< USD 25,000	0.25%	0.25%	0.25%	0.25%
USD 25,000 - < USD 50,000	0.25%	0.25%	0.25%	0.25%
USD 50,000 - < USD 100,000	0.25%	0.25%	0.25%	0.25%
USD 100,000 - < USD 200,000	0.30%	0.30%	0.30%	0.30%
USD 200,000 - USD 1,000,000	0.30%	0.30%	0.40%	0.40%

SGD

	Interest Rate (% p.a)
Nominal Placement	1	3	6	12
< SGD 25,000	0.00%	0.15%	0.00%	0.20%
SGD 25,000 - < SGD 50,000	0.00%	0.15%	0.00%	0.20%
SGD 50,000 - </= SGD 100,000	0.00%	0.15%	0.00%	0.20%
> SGD 100,000	0.00%	0.15%	0.00%	0.10%

AUD

	Interest Rate (% p.a)
Nominal Placement	1	3	6	12
< AUD 25,000	0.00%	0.00%	0.00%	0.00%
AUD 25,000 - < AUD 50,000	0.00%	0.00%	0.00%	0.00%
AUD 50,000 - </= AUD 100,000	0.00%	0.00%	0.00%	0.00%
> AUD 100,000	0.00%	0.00%	0.00%	0.00%

CNH

	Interest Rate (% p.a)
Nominal Penempatan	1	3	6	12
< CNH 25,000	0.15%	0.45%	0.75%	0.75%
CNH 25,000 - < CNH 200,000	0.15%	0.45%	0.75%	0.75%
CNH 200,000 - CNH 500,000	0.20%	0.50%	1.00%	1.00%

Setoran Antar Cabang OCBC NISP

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Untuk Rekening Rupiah	Free	Free	Free	Free	Free
Untuk Rekening Valas USD & non USD/td>	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT

Pindah Buku

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Pindah buku dengan mata uang yang sama	Free	Free	Free	Free	Free
Pindah buku dengan mata uang berbeda	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT

Setoran warkat Bank OCBC NISP

a. Biaya Kliring dan Intercity

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Biaya Setoran warkat kliring	2,000 / warkat	2,000 / warkat	2,000 / warkat	2,000 / warkat	Free 50x per bulan
Biaya Setoran warkat kliring + Intercity	2000 + 0	2000 + 0	2000 + 0	2000 + 0	2000 + 0
Biaya tolakan kliring	125.000	125.000	125.000	125.000	125.000
Biaya pemrosesan warkat dengan nominal diatas Rp.500juta (dibebankan kepada nasabah penerbit warkat) termasuk biaya RTGS ke bank penerima / penagih warkat	125.000	125.000	125.000	125.000	125.000

b. Setoran warkat Inkaso

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Biaya Setoran warkat inkaso Ke luar kota yang terdapat Cabang OCBC NISP + biaya kliring	10.000,-/ warkat + IDR 2.000,-/warkat	10.000,-/ warkat + IDR 2.000,-/warkat	10.000,-/ warkat + IDR 2.000,-/warkat	10.000,-/ warkat + IDR 2.000,-/warkat	F10.000,-/ warkat + IDR 2.000,-/warkat
Biaya Setoran warkat inkaso Ke luar kota yang tidak terdapat Cabang OCBC NISP + biaya kliring + biaya Bank Perantara	10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat	10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat	10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat	10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat	10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat

Jenis Transaksi		Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Untuk Rekening Rupiah		Kurs Beli TT	Kurs Beli TT	Kurs Beli TT	Kurs Beli TT	Kurs Beli TT
Untuk Rekening Valas dengan mata uang : USD,SGD, EUR, AUD, GBP, JPY, CNH, HKD	setara USD 50.000 per hari per rekening	Free	Free	Free	Free	Free
	Di atas batas harian	Free	Free	Free	Free	Free
Setoran Bank Notes Denominasi	USD ≤ 50	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya
Setoran Bank Notes Denominasi	SGD ≤ 20	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya
Setoran Uang Kertas Asing USD CAP		Provisi 1% dari total nominal	Provisi 1% dari total nominal	Provisi 1% dari total nominal	Provisi 1% dari total nominal	Provisi 1% dari total nominal

Pindah Buku

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Pindah buku dengan mata uang yang sama	Bebas	Bebas	Bebas	Bebas	Bebas
Pindah buku dengan mata uang berbeda	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT
Pindah buku antar mata uang yang berbeda dalam rekening Multicurrency	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT

Untuk rekening Giro & Multi Currency Penarikan Valas dengan mata uang USD, SGD, EUR, AUD, GBP, JPY, CNH, HKD

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
≤ setara USD 30.000 per bulan per rekening	Bebas	Bebas	Bebas	Bebas	Bebas
Diatas batas bulan	Provisi 0.5%	Provisi 0.5%	Provisi 0.5%	Provisi 0.5%	Provisi 0.5%

Untuk rekening Tabungan Penarikan Valas dengan mata uang USD, SGD, EUR, AUD, GBP, JPY, CNH, HKD

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Setara USD 5.000/hari atau Setara USD 50.000/bulan	Bebas	Bebas	Bebas	Bebas	Bebas
Di atas nominal	Provisi 0,25%	Provisi 0,25%	Provisi 0,25%	Provisi 0,25%	Provisi 0,25%

PENARIKAN TUNAI Rupiah

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Nominal Penarikan < Rp. 5 Juta*	10.000	10.000	10.000	10.000	10.000
Nominal Penarikan > Rp. 5 Juta	Free	Free	Free	Free	Free

Transfer ke bank lain

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
LLG/SKN	2.900	Free	2.900	2.900	2.900
RTGS	30.000	Free 10x Per bulan gabungan transaksi melalui IBMB / Cabang	30.000	30.000	30.000

Jenis Transaksi		Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Biaya TELEX/SWIFT	Giro Umum	50.000	50.000	50.000	50.000	50.000
	Tabungan	50.000	Free 1x Per bulan (Tabungan dan Tabungan Multicurrency	50.000	50.000	50.000
	Multicurrency	100.000	100.000	100.000	100.000	100.000
Biaya Provisi	Giro Umum tidak melibatkan Valas	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara
	Tabungan tidak melibatkan Valas	0.125% (min USD 10 – maks USD 150) atau setara	Free 1x Per bulan (Tabungan dan Tabungan Multicurrency) *berlaku hanya untuk transaksi melalui One Mobile, 1x per bulan.	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara
	Giro Umum dan Tabungan melibatkan Valas	Free	Free	Free	Free	Free
	Multicurrency	Free	Free	Free	Free	Free
Biaya Full Amount sampai dengan Bank Koresponden Penerima*)	USD	25	25	25	25	25
	EUR	20	20	20	20	20
	AUD	30	30	30	30	30
	GBP	15	15	15	15	15
	HKD	300	300	300	300	300
	SGD	25	25	25	25	25
	CNY	200	200	200	200	200
	CAD	25	25	25	25	25
	CHF	15	15	15	15	15
	NZD	45	45	45	45	45
	JPY
	Transfer dana ≤ JPY 40 mio	4.500	4.500	4.500	4.500	4.500
	Transfer dana > JPY 40 mio	4.500,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)	4.500,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)	4.500,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)	4.500,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)	4.500,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)
Biaya Incoming Transfer	Full Amount/OUR	Free	Free	Free	Free	Free
	Beneficiary (BEN)/Sharing (SHA)
	USD	USD 5	USD 5	USD 5	USD 5	USD 5
	EUR	EUR 3,5	EUR 3,5	EUR 3,5	EUR 3,5	EUR 3,5
	AUD	AUD 6	AUD 6	AUD 6	AUD 6	AUD 6
	GBP	GBP 2,5	GBP 2,5	GBP 2,5	GBP 2,5	GBP 2,5
	HKD	HKD 35	HKD 35	HKD 35	HKD 35	HKD 35
	SGD	SGD 7,5	SGD 7,5	SGD 7,5	SGD 7,5	SGD 7,5
	CNY	CNY 32	CNY 32	CNY 32	CNY 32	CNY 32
	CAD	CAD 6	CAD 6	CAD 6	CAD 6	CAD 6
	CHF	CHF 6	CHF 6	CHF 6	CHF 6	CHF 6
	NZD	NZD 9	NZD 9	NZD 9	NZD 9	NZD 9

Jenis Transaksi		Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Pembuatan kartu ATM baru dengan menggunakan nama		20.000	20.000	20.000	20.000	20.000
Penggantian Kartu ATM karena Hilang atau Rusak		20.000	20.000	20.000	20.000	20.000
Pengantian Buku Tabungan karena Hilang, Habis / Rusak		Free	Free	Free	Free	Free
Pembelian Buku Cek / Bilyet Giro		100.000	100.000	100.000	100.000	100.000
Permintaan Copy Bukti Transaksi	<= 3 bulan	5.000	5.000	5.000	5.000	5.000
Permintaan Copy Bukti Transaksi	> 3 bulan	10.000	10.000	10.000	10.000	10.000
Permintaan Rekening Koran di luar Rekening Koran bulanan	<= 6 bulan	5.000	5.000	5.000	5.000	5.000
	> 6 – 12 bulan	15.000	15.000	15.000	15.000	15.000
	> 12 bulan	25.000	25.000	25.000	25.000	25.000
Penerbitan Surat Dukungan Bank		150.000	150.000	150.000	150.000	150.000
Penerbitan Surat Konfirmasi Audit		100.000	100.000	100.000	100.000	100.000
Penerbitan Surat Referensi Bank		50.000	50.000	50.000	50.000	50.000
Biaya Sewa Safe Deposit Box / Tahun	Tipe Besar	750.000 + PPN 10%	750.000 + PPN 10%	750.000 + PPN 10%	750.000 + PPN 10%	750.000 + PPN 10%
	Tipe Sedang	500.000 + PPN 10%	500.000 + PPN 10%	500.000 + PPN 10%	500.000 + PPN 10%	500.000 + PPN 10%
	Tipe Kecil	400.000 + PPN 10%	400.000 + PPN 10%	400.000 + PPN 10%	400.000 + PPN 10%	400.000 + PPN 10%
	Jaminan Kunci	1.000.000	1.000.000	1.000.000	1.000.000	1.000.000
Token Internet Banking	Pembelian Token Baru / Token Hilang	200.000	200.000	200.000	200.000	200.000
Token Internet Banking	Token rusak dan habis baterai	Free	Free	Free	Free	Free
Biaya Layanan		N/A	N/A	20.000	50.000	50.000

Kredit Pemilikan Rumah

KPR OCBC NISP

KPR Kendali

Kredit Multi Guna

KMG OCBC NISP

Kredit Pembelian Mobil

KPM OCBC NISP

Kredit Peminjaman

Type	Description
Provision	Tenure ≤ 10 years: 1% loan plafond Tenure > 10 years: 1.5% loan plafond
Administration Fee	Tenure < 10 years: 0.1% loan plafond or min. Rp 250.000 Tenure ≥ 10 years: 0.1% loan plafond or min. Rp 500.000
Insurance Premium	Subject to charges imposed by OCBC NISP insurance partners
Notary	Subject to charges imposed by OCBC NISP notary partners
Taxation	Rp 750.000 or subject to charges imposed by KJPP
Legal Documents	Imposed when legal documents are prepared by Bank OCBC NISP
Late Charges	0.1% per day of delayed payments
Penalty	3% of unscheduled payments
Deposit Fee of Unclaimed Collateral Documents	Smallest Safe Deposit Box (SDB) fee will be charged, when collateral documents are unclaimed 30 days after a loan paid off
Interest rate	In accordance with the Rate Promo

Type	Description
Provision	Tenure ≤ 10 years: 1% loan plafond Tenure > 10 years: 1.5% loan plafond
Administration Fee	Tenure < 10 years: 0.1% loan plafond or min. Rp 250.000 Tenure ≥ 10 years: 0.1% loan plafond or min. Rp 500.000
Insurance Premium	Subject to charges imposed by OCBC NISP insurance partners
Notary	Subject to charges imposed by OCBC NISP notary partners
Taxation	Rp 750.000 or subject to charges imposed by KJPP
Legal Documents	Imposed when legal documents are prepared by Bank OCBC NISP
Late Charges	0.1% per day of delayed payments
Penalty	3% of unscheduled payments
Deposit Fee of Unclaimed Collateral Documents	Smallest Safe Deposit Box (SDB) fee will be charged, when collateral documents are unclaimed 30 days after a loan paid off
Interest rate	In accordance with the Rate Promo

Type	Description
Provision	Tenure ≤ 10 years: 1% loan plafond Tenure > 10 years: 1.5% loan plafond
Administration Fee	Tenure < 10 years: 0.1% loan plafond or min. Rp 250.000 Tenure ≥ 10 years: 0.1% loan plafond or min. Rp 500.000
Insurance Premium	Subject to charges imposed by OCBC NISP insurance partners
Notary	Subject to charges imposed by OCBC NISP notary partners
Taxation	Rp 750.000 or subject to charges imposed by KJPP
Legal Documents	Imposed when legal documents are prepared by Bank OCBC NISP
Late Charges	0.1% per day of delayed payments
Penalty	3% of unscheduled payments
Deposit Fee of Unclaimed Collateral Documents	Smallest Safe Deposit Box (SDB) fee will be charged, when collateral documents are unclaimed 30 days after a loan paid off
Interest rate	In accordance with the Rate Promo

Type	Description
Provision	Tenure ≤ 10 years: 1% loan plafond Tenure > 10 years: 1.5% loan plafond
Administration Fee	Tenure < 10 years: 0.1% loan plafond or min. Rp 250.000 Tenure ≥ 10 years: 0.1% loan plafond or min. Rp 500.000
Insurance Premium	Subject to charges imposed by OCBC NISP insurance partners
Notary	Subject to charges imposed by OCBC NISP notary partners
Taxation	Rp 750.000 or subject to charges imposed by KJPP
Legal Documents	Imposed when legal documents are prepared by Bank OCBC NISP
Late Charges	0.1% per day of delayed payments
Penalty	3% of unscheduled payments
Deposit Fee of Unclaimed Collateral Documents	Smallest Safe Deposit Box (SDB) fee will be charged, when collateral documents are unclaimed 30 days after a loan paid off
Interest rate	In accordance with the Rate Promo

No	Service	Fee
1	Disbursement Fee	IDR 25.000
1	Disbursement Fee	IDR 25.000	2	Provision Fee	starting from 3% of loan principal amount/minimum of IDR 150.000
3	Late Payment Fee	5% from total installement (minimum IDR 150.000 and maksimum IDR 750.000)	2	Provision Fee
3	Late Payment Fee		4	Early Paid Off Fee	8% of the remaining loan principal
5	Copies of Monthly Bills Fee	IDR 12.500/month	4	Early Paid Off Fee	8% of the remaining loan principal
5	Copies of Monthly Bills Fee	IDR 12.500/month	6	Monthly Bill Fee	Email	Mail/Courier
no charge	IDR 12.500/month		6	Monthly Bill Fee
7	Insurance Premium	1,5% of loan principal amount
7	Insurance Premium	1,5% of loan principal amount	8	Stamp Duty	Payment < IDR 250.000 = 0 Payment ≥ IDR 250.000 - Rp 1.000.000 = IDR 3.000 Payment > IDR 1.000.000 = IDR 6.000

Kartu Kredit

OCBC NISP Platinum

OCBC NISP Titanium

OCBC NISP Voyage

OCBC NISP 90°N

Interest and Fees

Annual fee (free of the first year fee)	Main Card IDR 600,000 per year, Supplementary Card IDR 300,000 per year
Retail Interest	1.75% per month, 21% per year
Cash Advance Interest	1.75% per month, 21% per year
Minimum Payment	5% of the bill or a minimum of IDR 50,000 (until 31 December 2022)
Cash Advance Fee	6% or a minimum of IDR 100,000 (whichever is greater)
Late Payment Fee (Late Charge)	1% of the total bill, minimum IDR 50,000 and maximum IDR 100,000 (until 31 December 2022)
Over-limit Fee	6% of the excess limit, a minimum of IDR 100,000 and a maximum of IDR 250,000
Lost/Damage Card Replacement Fee	IDR 100,000
Billing Statement Delivery Charge	IDR 12,500 per billing
Transaction Copy Request Fee	Transaction Note IDR 50,000 , Monthly Bill IDR 30,000, and Declined Check / Giro Fee IDR 25,000
Duty Stamp Charged for Payments with Certain Amount	Payment amounted above IDR 5,000,000 will be charge Duty Stamp IDR 10,000
Credit Card Payment Costs through Teller at OCBC NISP Branch	IDR 10,000
Installment Request Fee	Through ONe Mobile Application or other channels IDR 15,000 per transaction Through Contact Center – Tanya OCBC NISP IDR 20,000 per transaction
Installment Payment Cancellation/Acceleration Fee	IDR 200,000 per transaction
Transfer fee	IDR 10,000 to OCBC NISP account IDR 25 thousand to another bank account
Notification Service Fee	IDR 5,000 per billing per month (Effective 4 October 2021)
Important Information	In accordance with Bank Indonesia Regulation, Customers are not permitted to use Credit Cards for cash withdrawal transactions at merchants. Beware of fraud in the name of Bank OCBC NISP. We never ask for your confidential data, such as PIN, Password, Passcode / OTP and User ID.

Interest Calculation for Shopping Transactions (Retail):
Interest will be charged if the Cardholder pays less than the total new bill, or pays after the Due Date. Interest for Shopping Transactions is calculated based on the Posting Date (Posting Date) of the transactions made. The interest rates that apply to purchase transactions are listed on the Billing Sheet. Unpaid costs, penalties, or interest are not included in the interest calculation component. Interest will be charged on the next billing sheet. For a complete interest calculation can be seen in the illustration of credit card interest calculations.

Interest Calculation for Cash Advance Transactions:
Interest for Cash Advance is charged and calculated from the Date of Cash Advance until the date of full payment of the Cash Advance transaction. The interest rates that apply to Cash Withdrawal transactions are listed on the Billing Sheet. Unpaid costs, penalties, or interest are not included in the interest calculation component. For a complete interest calculation can be seen in the illustration of the Credit Card Interest Calculation.

Illustration of Interest Calculation for Purchase Transactions (Retail)*

* This illustration uses the Platinum Credit Card due date

Note:
Illustration of interest calculation can give different results caused by:

Rounding of calculations.
The sequence of bill payment. For further information of bill payment sequence, reffering to the General Terms and Conditions of OCBC NISP Credit Cards.

Illustration of Cash Advance Transaction Interest Calculation**

The example of calculation of interest on Cash Advance transactions:
The Cash Advance transaction of IDR 1,000,000 is made and recorded on March 8, 2020. The Billing Statement print date is March 10, 2020. The Due Date is April 2, 2020.

The Cash Advance transaction interest that printed on the Billing Statement sheet for April 2020 is IDR 2,215 (*** see calculation method below).

Image of interest day calculation for Cash Advance transactions

** This illustration uses the calculation of the Titanium Credit Card due date
*** The interest calculation for the Cash Advance transaction was billed in April 2020 as follows:

Difference of days = (10 - 8) + 1 = 3, Interest = IDR 1,000,000 x 3 x (2,245% x 12 months) / 365 = IDR 2,215

Interest and Fees

Annual Fee (free of the first year fee)	Main Card IDR 300,000 per year, Supplementary Card IDR 100,000 per year
Annual fee	Main Card IDR 600 thousand per year, Supplementary Card: IDR 300 thousand per year
Retail Interest	1.75% per month, 21% per year
Cash Advance Interest	1.75% per month, 21% per year
Minimum Payment	5% of the bill or a minimum of IDR 50,000 (until 31 December 2022)
Cash Advance Fee	6% or a minimum of IDR 100,000 (whichever is greater)
Late Payment Fee (Late Charge)	1% of the total bill, minimum IDR 50,000 and maximum IDR 100,000 (until 31 December 2022)
Over-limit Fee	6% of the excess limit, a minimum of IDR 100.000 and a maximum of IDR 250.000
Lost/Damage Card Replacement Fee	IDR 100 thousand
Billing Statement Delivery Charge	IDR 12,500 per billing
Transaction Copy Request Fee	Transaction Note IDR 50,000 , Monthly Bill IDR 30.000, and Declined Check / Giro Fee IDR 25.000
Duty Stamp Charged for Payments with Certain Amount	Payment amounted above IDR 5,000,000 will be charge Duty Stamp IDR 10,000
Credit Card Payment Costs through Teller at OCBC NISP Branch	IDR 10 thousand
Installment Request Fee	Through ONe Mobile Application or other channels IDR 15,000 per transaction Through Contact Center – Tanya OCBC NISP IDR 20,000 per transaction
Installment Payment Cancellation/Acceleration Fee	IDR 200,000 per transaction
Transfer Fee	IDR 10,000 to OCBC NISP account IDR 25,000 to another bank account
Notification Service Fee	IDR 5,000 per billing per month (Effective 4 October 2021)
Important Information	In accordance with Bank Indonesia Regulation, Customers are not permitted to use Credit Cards for cash withdrawal transactions at merchants. Beware of fraud in the name of Bank OCBC NISP. We never ask for your confidential data, such as PIN, Password, Passcode / OTP and User ID.

Interest Calculation for Purchasing Transactions (Retail):
Interest will be charged if the Cardholder pays less than the total new bill, or pays after the Due Date. Interest for Shopping Transactions is calculated based on the Posting Date of the transactions made. The interest rates that apply to spending transactions are listed on the Billing Statement. Unpaid fees, penalties, or interest are not included in the interest calculation component. Interest will be charged on the next billing statement. For a complete interest calculation, see the illustration of credit card interest calculation.

Interest Calculation for Cash Advance Transactions:
Interest for Cash Advance is charged and calculated from the Cash Advance Date until the date of full payment of the Cash Advance transaction. The interest rates that apply to cash withdrawal transactions are listed on the Billing Sheet. Unpaid fees, penalties, or interest are not included in the interest calculation component. For complete interest calculation, please see the illustration of Credit Card Interest Calculation.

Illustration of Interest Calculation for Purchase Transactions (Retail)*

* This illustration uses the Platinum Credit Card due date

Note:
Illustration of interest calculation can give different results caused by:

Rounding of calculations.
The sequence of bill payment. For further information of bill payment sequence, reffering to the General Terms and Conditions of OCBC NISP Credit Cards.

Illustration of Cash Advance Transaction Interest Calculation**

The Cash Advance transaction interest that printed on the Billing Statement sheet for April 2020 is IDR 2,215 (*** see calculation method below).

Image of interest day calculation for Cash Advance transactions

Interest and Fees

Annual fee	Private Banking Customer : Free annual fee for primary and supplementary cardholders as long as the primary cardholder are a valid Private Banking customer Premier Banking Customer : Primary Card : Free annual fee as long as the primary cardholder are a valid Premier Banking customer and maintain a minimum total balance assets (AUM) IDR 500.000.000 Supplementary Card : IDR 2.500.000 or, joining on Tanda 360 Hold Saving Program or, by minimum total spend of primary and supplement IDR 300 million in one previous year Other than Private and Premier Banking Costumer : Primary Card: IDR 8.000.000 or, by minimum total spend of primary and supplement IDR 300 million in one previous year Supplementary Card: IDR 2.500.000 per card *^The various terms and fees may be changed from time to time subject to Bank’s policy**
Retail Interest	1.75% per month, 21% per year
Cash Advance Interest	1.75% per month, 21% per year
Minimum Payment	5% of the bill or a minimum of IDR 50,000 (until 31 December 2022)
Cash Advance Fee	6% or a minimum of IDR 100,000 (whichever is greater)
Late Payment Fee (Late Charge)	1% of the total bill, minimum IDR 50,000 and maximum IDR 100,000 (until 31 December 2022)
Over-limit Fee	6% of the excess limit, a minimum of IDR 100.000 and a maximum of IDR 250.000
Lost/Damage Card Replacement Fee	IDR 100 thousand
Billing Statement Delivery Charge	IDR 12,500 per billing
Transaction Copy Request Fee	Transaction Note IDR 50,000 , Monthly Bill IDR 30.000, and Declined Check / Giro Fee IDR 25.000
Duty Stamp Charged for Payments with Certain Amount	Payment amounted above IDR 5,000,000 will be charge Duty Stamp IDR 10,000
Credit Card Payment Costs through Teller at OCBC NISP Branch	IDR 10 thousand
Installment Request Fee	Through ONe Mobile Application or other channels IDR 15,000 per transaction Through Contact Center – Tanya OCBC NISP IDR 20,000 per transaction
Installment Payment Cancellation/Acceleration Fee	IDR 200,000 per transaction
Transfer Fee	IDR 10,000 to OCBC NISP account IDR 25,000 to another bank account
Voyage Miles Redemption Fee	IDR 10,000 for every request
Important Information	In accordance with Bank Indonesia Regulation, Customers are not permitted to use Credit Cards for cash withdrawal transactions at merchants. Beware of fraud in the name of Bank OCBC NISP. We never ask for your confidential data, such as PIN, Password, Passcode / OTP and User ID.

Illustration of Interest Calculation for Purchase Transactions (Retail)*

* This illustration uses the Platinum Credit Card due date

Note:
Illustration of interest calculation can give different results caused by:

Rounding of calculations.
The sequence of bill payment. For further information of bill payment sequence, reffering to the General Terms and Conditions of OCBC NISP Credit Cards.

Illustration of Cash Advance Transaction Interest Calculation**

The Cash Advance transaction interest that printed on the Billing Statement sheet for April 2020 is IDR 2,215 (*** see calculation method below).

Image of interest day calculation for Cash Advance transactions

Interest and Fees

Annual fee (free of the first year fee)	Primary Card IDR 1,000,000 per year, Supplementary Card: IDR 500,000 per year
Retail Interest	1.75% per month, 21% per year
Cash Advance Interest	1.75% per month, 21% per year
Minimum Payment	5% of the bill or a minimum of IDR 50,000 (until 31 December 2022)
Cash Advance Fee	6% or a minimum of IDR 100,000 (whichever is greater)
Late Payment Fee (Late Charge)	1% of the total bill, minimum IDR 50,000 and maximum IDR 100,000 (until 31 December 2022)
Over-limit Fee	6% of the excess limit, a minimum of IDR 100,000 and a maximum of IDR 250,000
Lost/Damage Card Replacement Fee	IDR 100,000
Billing Statement Delivery Charge	IDR 12,500 per billing
Transaction Copy Request Fee	Transaction Note IDR 50,000 , Monthly Bill IDR 30,000, and Declined Check / Giro Fee IDR 25,000
Duty Stamp Charged for Payments with Certain Amount	Payment amounted above IDR 5,000,000 will be charge Duty Stamp IDR 10,000
Credit Card Payment Costs through Teller at OCBC NISP Branch	IDR 10,000
Installment Request Fee	Through ONe Mobile Application or other channels IDR 15,000 per transaction Through Contact Center – Tanya OCBC NISP IDR 20,000 per transaction
Installment Payment Cancellation/Acceleration Fee	IDR 200,000 per transaction
Transfer fee	- IDR 10,000 to OCBC NISP account - IDR 25,000 to another bank account
Travel Miles Redemption Fee	IDR10,000 for every request
Notification Service Fee	IDR 5,000 per billing per month
Important Information	- In accordance with Bank Indonesia Regulation, Customers are not permitted to use Credit Cards for cash withdrawal transactions at merchants. - Beware of fraud in the name of Bank OCBC NISP. We never ask for your confidential data, such as PIN, Password, Passcode / OTP and User ID.

Interest Calculation for Shopping Transactions (Retail):
Interest will be charged if the Cardholder pays less than the total of the new bills, or pays after the Due Date. Interest on Purchase Transactions is calculated based on the Posting Date of the transaction made. The interest rates that apply to purchase transactions are listed on the billing statement. Unpaid fees, penalties, or interest are not included into the interest calculation component. Interest will be charged on the next billing statement. For a complete interest calculation can be seen in the credit card interest calculations illustration.

Interest Calculation for Cash Advance Transactions:
Interest for Cash Advance is charged and calculated from the Cash Advance Date until the full payment date of the Cash Advance transaction. The interest rates that apply to Cash Advance transactions are listed on the Billing Sheet. Unpaid fees, penalties, or interest are not included in the interest calculation component. For a complete interest calculation can be seen in the illustration of the Credit Card Interest Calculation.

Illustration of Interest Calculation for Purchase Transactions (Retail)*

* This illustration uses the Platinum Credit Card due date

Note:
Illustration of interest calculation can give different results caused by:

Rounding of calculations.
The sequence of bill payment. For further information of bill payment sequence, reffering to the General Terms and Conditions of OCBC NISP Credit Cards.

Illustration of Cash Advance Transaction Interest Calculation**

The Cash Advance transaction interest that printed on the Billing Statement sheet for April 2020 is IDR 1,726 (*** see calculation method below).

Image of interest day calculation for Cash Advance transactions

** This illustration uses the calculation of the Titanium Credit Card due date
*** The interest calculation for the Cash Advance transaction was billed in April 2020 as follows:

Interest = IDR 1,000,000 x 3 x (1,75% x 12 months) / 365 = IDR 1,726

Individual Interest & Fees

Detailed information on interest and transaction fees for OCBC NISP individual products

Tabungan

Tanda 360 Plus

Tanda Payroll

Tanda Premium

Tanda Valas SGD

Tanda 360

Tanda Junior

TabunganKu

OCBC NISP SimPel

Savings Plan

Taka Angsuran Tetap

Taka Bunga

Taka Hadiah

Taka Bunga Pasti

Deposito

Deposito IDR

Deposito Valas

Setoran Rupiah

Tunai

Non-Tunai

Setoran Valas

Tunai

Non Tunai

Penarikan Valas

PENARIKAN RUPIAH

TRANSFER Rupiah dalam Negri

Transfer Valuta Asing Outgoing TT

Lainnya

The following are the interest rate apply to Tanda 360 Product:

The following are term of features, services and fees for Tanda 360 Product:

Tanda 360 product benefit are as follows:

Interest Rate of Taka Hadiah

Setoran Antar Cabang OCBC NISP

Pindah Buku

Setoran warkat Bank OCBC NISP

Pindah Buku

Untuk rekening Giro & Multi Currency Penarikan Valas dengan mata uang USD, SGD, EUR, AUD, GBP, JPY, CNH, HKD

Untuk rekening Tabungan Penarikan Valas dengan mata uang USD, SGD, EUR, AUD, GBP, JPY, CNH, HKD

PENARIKAN TUNAI Rupiah

Transfer ke bank lain

Kredit Pemilikan Rumah

KPR OCBC NISP

KPR Kendali

Kredit Multi Guna

KMG OCBC NISP

Kredit Pembelian Mobil

KPM OCBC NISP

Kredit Peminjaman

Kartu Kredit

OCBC NISP Platinum

OCBC NISP Titanium

OCBC NISP Voyage

OCBC NISP 90°N

Illustration of Interest Calculation for Purchase Transactions (Retail)*

Illustration of Cash Advance Transaction Interest Calculation**

Illustration of Interest Calculation for Purchase Transactions (Retail)*

Illustration of Cash Advance Transaction Interest Calculation**

Illustration of Interest Calculation for Purchase Transactions (Retail)*

Illustration of Cash Advance Transaction Interest Calculation**

Illustration of Interest Calculation for Purchase Transactions (Retail)*

Illustration of Cash Advance Transaction Interest Calculation**