Consumer is negligence installments payments and/or does not fulfill the obligations agreed in the Financing Agreement, there are risks as follows:

1. The risk of additional costs that arise if there is a delay in payment of installments (collateral execution costs and penalties), as follows*: - Daily late penalty for car (four-wheeled) collateral of 0.5%x nominal installments
- Execution Fees, Legal Fees for Collection and/or Collateral Execution.

2. The risk of additional costs that arise in the event of an accelerated settlement, as follows*:
- Accelerated settlement cost of Collateral Car of the amount to be repaid calculated based on repayment age
- Interest costs arising from instalments of Collateral Car (four-wheels)

3. Collateral execution risk that occurs with the following conditions*:
- Consumers are negligent in making installment payments according to the agreement
- Consumers transfer or pawn the object of financing without the knowledge of the Financing Company

4. All payments that have been paid by the Consumers to Chailease Finance Indonesia become the full rights of Chailease Finance Indonesia and cannot be taken back by the Consumers.

5. Reputational risk in the form of recording of Financing History in the Financial Information Service System (SLIK) and other financing history record systems when Consumers are in arrears in payments