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The Loan Agreement Term Sheet is a crucial preliminary document used in Indonesian lending transactions to establish the fundamental terms of a proposed loan facility. It is typically prepared after initial commercial discussions but before the drafting of detailed facility agreements. The document captures key commercial terms, conditions, and requirements under Indonesian banking regulations, providing a framework for subsequent negotiation and documentation. While predominantly non-binding, it serves as an important reference point for all parties and their advisors, outlining everything from basic facility terms to security structures and conditions precedent. The term sheet is particularly important in the Indonesian context due to specific regulatory requirements from OJK and Bank Indonesia that need to be considered from the outset of any lending arrangement.

1. Parties: Identification of the proposed lender(s) and borrower(s), including registration details as required under Indonesian law

2. Background: Brief context of the proposed financing arrangement and purpose of the term sheet

3. Definitions: Key terms used throughout the term sheet

4. Facility Type and Purpose: Type of loan facility (term loan, revolving, etc.) and permitted uses of the loan proceeds

5. Facility Amount: Principal amount of the proposed loan and currency

6. Interest Rate and Fees: Proposed interest rate structure, arrangement fees, commitment fees and other charges

7. Availability Period: Period during which the loan can be drawn down

8. Repayment Terms: Repayment schedule, final maturity date, and any amortization requirements

9. Security Structure: Overview of proposed security/collateral package

10. Key Conditions Precedent: Essential conditions to be satisfied before loan availability

11. Key Covenants: Summary of main financial and operational covenants

12. Events of Default: Summary of key events of default

13. Governing Law: Confirmation of Indonesian law as governing law

14. Non-Binding Nature: Statement of which provisions are binding (typically confidentiality) and which are non-binding