Mari latihan baca Letter of Credit
1. Advise LC dari Standard Chartered Bank
2. Letter of Credit
Silahkan dibaca dengan hati hati dan teliti
1.Advicing L/C
"Quote
DATE :02NOV11
THE MANAGER, OURREF:901113035750-L
CV.ADIPATI JAYA ABADI---------------
JL.ADIPATI BLOK E NO 13 DS JAPAN KEC. SOOKO
MOJOKERTO JAWATIMUR INDONESIA
ISSUE DATE:
01 JAN2016
USD 102,600.00
--+--------------
ISSUING BANK : SEYLAN BANK PLC FIRST CITY OFFICE 428 SIR BARON
JAYATILAKA MAWATHA,COLOMBO SRI LANKA
APPLICANT: KUDA KUDA INTERNATIONAL LTD. 875,ABDUL GAFFOOR MW,
COLOMBO 03, SRI LANKA.
NOTIFICATION OF DOCUMENTARY CRED IT
WE ENCLOSE AN AUTHENTICATED TELEX MESSAGE ADVISING THE ISSUE OF
THE ABOVE CREDIT.
PLEASE CHECK THE CREDIT TERMS CAREFULLY. IN THE EVENT THAT YOU
DO NOT AGREE WITH THE TERMS AND CONDITIONS, PLEASE ARMNGE AN
AMENDMENT OF THE CREDIT THROUGH THE APPLICANT OF THE CREDIT.
THIS CREDIT IS ADVISED WITHOUT ENGAGEMENT OR RESPONSIBILITY ON
OUR PART.
WE ACCEPT NO RESPONSIBILITY FOR ANY ERRORS, OMISSIONS AND DELAYS
IN THE TRANSMISSION,
WE HAVE DEBITED YOURACCOUNT WITH THE TOTAL BELOW :
PARTICULARS ORIGINAL CCY &AMOUNT RATE
SETTLE CCY&AMOUNT F.C. NO.
***t********+*****+***** ****lt******+*****t*+ *************
LC ADVISING COM USD 75.00 '0000000 USD 75.00 DR
TELEX CHARGES USD 15.00 'OOOOOOO USD 15.00 DR
ENTRYTOACCOUNT306-000-3103-6 USD 90.00DR
=================================================================
TH]S ADVICE IS SUBJECT TO UNIFORM CUSTOMS AND PRACTICE FOR
DOCUMENTARY CREDITS 2OO7 REVISION, INTERNATIONAL CHAMBER OF
COMMERCE PUBLICATION NO.6OO AND MUST BE PRESENTED WITH THE
ATTACHED LETTER OF CREDIT.
ALL PARTIES TO THIS TRANSACTION ARE ADVISED THAT THE.U.S. AND
OTHER GOVERNMENT AND / OR REGULATORYAUTHORITIES IMPOSE SPECIFIC
SANCTIONS AGAINST CERTAIN COUNTRIES, ENTITIES AND INDIVIDUALS.
BANKS MAY BE UNABLE TO PROCESS A TRANSACTION THAT INVOLVES A
BREACH OF SANCTIONS, ANDAUTHORITIES MAY REQUIRE DISCLOSURE OF
INFORMATION. SCB IS NOT LIABLE IF IT, OR ANY OTHER PERSON, FAILS
OR DELAYS TO PERFORM THE TRANSACTION, OR DISCLOSES INFORMATION A
RESULT OF ACTUAL OR APPARENT BREACH OF SUCH SANCTIONS.
SHIPMENTiTRANSSHIPMENT IS PROHIBITED THROUGH IRAN, CUBA, NORTH
KOREA, SUDAN AND MYANMAR.
THIS IS A COMPUTER GENEMTED ADVICE
NO SIGNATURE IS REQUIRED
STANDARD CHARTERED BANK
INDONESIA JAKARTA BMNCH
MENARA STANDARD CHARTERED
JL. PROF DR. SATRIO NO.164
JAKARTA 12930, INDONESIA
FAX: (021) 571 9689
TEL: (021) 57999 000
==========================
2. Letter of Credit
901 SH REL.DATE=O11 1 16 REL.TIME=085237 DEAL=901 1 1 3035750-L tSS000
MT700 ARR,DATE=160101 ARR.TIME=1847 REF.NO.LCSFCOI 1003648 ST=CL
AUTH: TEST AGREED SENDER:SEYBLKLXAXXX
SEYLAN BANK PLC
COLOMBO
:27: SEQUENCE OF TOTAL
111
:40A:FORM OF DOCUMENTARY CREDIT
IRREVOCABLE
:20: DOCUMENTARY CREDIT NUMBER
LCS30041967
:31C:DATE OF ISSUE
111101
:4OE:APPLICABLE RULES
UCP LATEST VERSION
:31D:DATE AND PLACE OF EXPIRY
28022016INDONESIA
:50:APPLICANT
KUDA KUDA INTERNATIONAL LTD. 875,ABDUL GAFFOOR MW, COLOMBO 03, SRI LANKA.
:59: BENEFICIARY :
CV.ADIPATI JAYA ABADI
JL.ADIPATI BLOK E NO 13 DESA JAPAN KEC.SOOKO
MOJOKERTO 61361 JAWA TIMUR INDONESIA
:32B:CURRENCY CODE,AMOUNT
USD 102,600,00
:39A:PERCENTAGE CREDIT AMOUNT TOLERANCE
05/05
:41 D:AVAILABLE WITH..BY
ANY BANK IN INDONESIA
BY NEGOTIATION
:42C:DRAFTS AT
SIGHT
:42D:DRAWEE
SEYLAN BANK PLC
SEYLAN TOWERS, NO,gO GALLE ROAD
COLOMBO O3,SRILANKA.
:43P:PARTIAL SHIPMENTS
ALLOWED
:43T:TRANSSHIPMENT
ALLOWED
:44E:PORT OF LOADING/AIRPORT OF DEPARTURE
ANY PORT IN INDONESIA
:44F: PORT O F DISCHARGE/AIRPO RT O F DESTI NAT I ON
COLOMBO
:44C:LATEST DATE OF SHIPMENT
15022016
:45A:DESCRIPTION OF GOODS AND/OR SERVICES
18000 KG(S) OF GREEN BEAN
ARABICA FLORES BAJAWA GRADE1
PROCESS : SEMIWASHED
MOISTURE MAX 12.5%
DEFECT MAX 11
CROP 2015
CIF COLOMBO INCOTERMS 2O1O
HS CODE NOS.0901 11 1000
IMPORT PERMIT DFC35077011
VAT NO.104080758-7000
:464: DOCU MENTS REQU IRED
1 )MANUALLY STGNED COMMERCTAL INVO|CES lN 04 FOLD, INDICATING
CIF BREAKDOWN SEPARATELY,
2)FULL SET OF (3/3) SHIPPED ON BOARD ORIGINAL BILLS OF
LADING PLUS 02 NON NEGOTIABLE COPIES ISSUED TO THE ORDER OF
SEYLAN BANK PLC,MARKED'FREIGHT PREPAID' NOTIFY APPLICANT
INDICATING NAME AND ADDRESS OF SHIPPTNG AGENT IN SRI LANKA.
3)ORTG|NAL INSURANCE POLYCY OR CERTIFICATE ISSUED OR
ENDORSED TO THE ORDER OF SEYLAN BANK PLC,COVERING MARINE
RISKS FOR FULL CIF VALUE PLUS 10 PCT IRRESPECTIVE OF PERCENTAGE
INDICATING PREMIUM PAID AND CLAIMS PAYABLE IN COLOMBO
COVERING THE FOLLOWING RISKS WITHOUTANY EXCLUSIONS
TNSTTTUTE CARGO CLAUSES .(A) -
TNSTITUTE WAR CLAUSES (CARGO)
TNSTITUTE STRTKES CLAUSES (CARGO)
INCLUD ING TRANSHIPMENT RISKS
FROM SHIPPER'S WAREHOUSE TO APPLICANTS WAREHOUSE
4)CERTTFTCATE OF INDONESTAN ORIGTN IN 02 FOLD, ISSUED BY THE
COMPETENT AUTHORITY.
5)DETAILED PACKING LlST lN 02 FOLD.
6)ICO CERTIFICATE.
7)BENEFICIARYS CERTIFICATE CONFIRMING ALL ADV|STNG
CHARGES OUTSIDE SRI LANKA HAVE BEEN SETTLED.
8)BENEF|CTARYS CERTTFICATE CONFTRMTNG THAT A FULL SET OF
COPY DOCUMENTS HAVE BEEN COURIERED AND EMAILED TO THE APPLICANT
WITHIN 05 DAYS FROM THE DATE OF SHIPMENT.THE RELEVENT COURIER
RECEIPT TO THIS EFFECT MUST ACCOMPANY THE ORIGINAL DOCUMENTS.
:47A:ADDITIONAL CONDITIONS
1)ALL DOCUMENTS SHOULD BEAR DATE ON OR AFTER THE LETTER OF
CREDIT DATE.
2)ALL DOCUMENTS SHOULD |NDTCATE THE LETTER OF CREDTT NUMBER.
3)A DTSCREPANCY FEE OF USD 60/- OR ITS EQUTVALENT W|LL BE
DEDUCTED FROM PROCEEDS FOR EACH SET OF DOCUMENTS PRESENTED
WITH DISCREPANCIES.
4. )A TOLERANCE OF 5 PCT MORE OR LESS IN QUANTITY AND VALUE ALLOWED.
5)COMMERCTAL TNVOTCES SHOULD tNDTCATE THE GOODS ARE SHTPPED AS
pER THE ORDER NO.3680221932 DTD 3111012011.
6)ALL ADVTS|NG BANK CHARGES SHOULD BE COLLECTED AT THE TIME OF
NEGOTIATION. NEGOTIATING BANK'S COVERING SCHEDULE TO CERTIFY
THAT ALL ADVISING BANK'S CHARGES HAVE BEEN COLLECTED FROM
BENEFICIARY.
7)DECLARATTON BY SHIPPER ON INVOICE CERTIFYING THAT GOODS ARE OF
INDONESIAN ORIGIN IS ACCEPTABLE INSTEAD OF FIELD 46A ITEM NO.4
8)SHIPMENT SHOULD BE EFFECTED DURING THE THIRD WEEK OF NOVEMBER
2011 AND ARRIVE AT COLOMBO PORT DURING THE FIRST WEEK OF
DECEMBER 2011.
:71B:CHARGES
OUTSIDE SRI LANKA ARE FOR
BENEFICIARYS ACCOUNT,
:48: PERIOD FOR PRESENTATION
14 DAYS FROM THE DATE OF SHIPMENT
BUT WITHIN THE VALIDITY
OF CREDIT
:49: CONFIRMATION INSTRUCTIONS
WITHOUT
:78: INSTRUCTIONS TO THE PAYI NG/ACCEPTI N G/N EGOTIATI NG BAN K
1)ALL DOCUMENTS TO BE FORWARDED BY COURIER lN ONE LOT TO
SEYLAN BANK FIRST CITY OFF|CE, 428, SIR BARON JAYATILAKA
MAWATHA,COLOMBO 01, SRI LANKA.
2)UPON RECETPT OF CRED|T COMPLYING DRAFTS AND DOCUMENTS WE SHALL
REMIT PROCEEDS TO THE NEGOTIATING BANKAS PER INSTRUCTIONS TO
BE RECEIVED.
3)ALL DRAWINGS UNDERTHIS LETTER OF CREDIT SHOULD BE NOTED ON THE
REVERSE OF THIS CREDIT.
:S7D:ADVISE THROUGH BANK
PT.BANK MANDIRI (PERSERO) :
TBK,CABANG SURABAYA BASUKI RAHMAT,
SURABAYA
:72: SENDER TO RECEIVER INFORMATTON
ACK
THIS CREDIT IS VALID ONLYWHEN USED IN CONJUNCTION WITH OUR
NOTIFICATTON OF LC ADVICE NO. 901113035750-L DATED 02111111
PAGE 3/ *" END OF MESSAGE "-
" unquote
Silahkan dibaca atau di copy dulu, dan akan saya teruskan penjelasan di tulisan berikutnya
Semoga bermanfaat
Biasanya peserta kursus, seminar atau workshop, belajar mengenai Metode of Paymet for International Trade ketika masuk sesi LC, diterangkan secara garis besar saja, kenapa? hanya masalah waktu saja yang sangat terbatas. Dalam Blog ini mari kita meluangkan waktu untuk belajar Letter of Credit lebih agak detail.
Pada saat ini Letter of Credit memang benar dikatakan pembayaran yang aman bagi exporter dan importer, namun perlu diketahui bahwa Letter of Credit /LC adalah perangkat berisi klausula klausula yang berbahasa hukum, dan harus dimengerti arti dan maksud klausula tersebut.Karena sebagian LC memuat klausula klausula yang berisi kepentingan importer atau eksporter, artinya berisi klausula yang bisa menguatkan Importer dan melemahkan Exporter, atau sebaliknya.
Terlampir adalah contoh Letter of Credit. terdiri dari.
2. Letter of Credit
Silahkan dibaca dengan hati hati dan teliti
1.Advicing L/C
"Quote
DATE :02NOV11
THE MANAGER, OURREF:901113035750-L
CV.ADIPATI JAYA ABADI---------------
JL.ADIPATI BLOK E NO 13 DS JAPAN KEC. SOOKO
MOJOKERTO JAWATIMUR INDONESIA
ISSUE DATE:
01 JAN2016
USD 102,600.00
--+--------------
ISSUING BANK : SEYLAN BANK PLC FIRST CITY OFFICE 428 SIR BARON
JAYATILAKA MAWATHA,COLOMBO SRI LANKA
APPLICANT: KUDA KUDA INTERNATIONAL LTD. 875,ABDUL GAFFOOR MW,
COLOMBO 03, SRI LANKA.
NOTIFICATION OF DOCUMENTARY CRED IT
WE ENCLOSE AN AUTHENTICATED TELEX MESSAGE ADVISING THE ISSUE OF
THE ABOVE CREDIT.
PLEASE CHECK THE CREDIT TERMS CAREFULLY. IN THE EVENT THAT YOU
DO NOT AGREE WITH THE TERMS AND CONDITIONS, PLEASE ARMNGE AN
AMENDMENT OF THE CREDIT THROUGH THE APPLICANT OF THE CREDIT.
THIS CREDIT IS ADVISED WITHOUT ENGAGEMENT OR RESPONSIBILITY ON
OUR PART.
WE ACCEPT NO RESPONSIBILITY FOR ANY ERRORS, OMISSIONS AND DELAYS
IN THE TRANSMISSION,
WE HAVE DEBITED YOURACCOUNT WITH THE TOTAL BELOW :
PARTICULARS ORIGINAL CCY &AMOUNT RATE
SETTLE CCY&AMOUNT F.C. NO.
***t********+*****+***** ****lt******+*****t*+ *************
LC ADVISING COM USD 75.00 '0000000 USD 75.00 DR
TELEX CHARGES USD 15.00 'OOOOOOO USD 15.00 DR
ENTRYTOACCOUNT306-000-3103-6 USD 90.00DR
=================================================================
TH]S ADVICE IS SUBJECT TO UNIFORM CUSTOMS AND PRACTICE FOR
DOCUMENTARY CREDITS 2OO7 REVISION, INTERNATIONAL CHAMBER OF
COMMERCE PUBLICATION NO.6OO AND MUST BE PRESENTED WITH THE
ATTACHED LETTER OF CREDIT.
ALL PARTIES TO THIS TRANSACTION ARE ADVISED THAT THE.U.S. AND
OTHER GOVERNMENT AND / OR REGULATORYAUTHORITIES IMPOSE SPECIFIC
SANCTIONS AGAINST CERTAIN COUNTRIES, ENTITIES AND INDIVIDUALS.
BANKS MAY BE UNABLE TO PROCESS A TRANSACTION THAT INVOLVES A
BREACH OF SANCTIONS, ANDAUTHORITIES MAY REQUIRE DISCLOSURE OF
INFORMATION. SCB IS NOT LIABLE IF IT, OR ANY OTHER PERSON, FAILS
OR DELAYS TO PERFORM THE TRANSACTION, OR DISCLOSES INFORMATION A
RESULT OF ACTUAL OR APPARENT BREACH OF SUCH SANCTIONS.
SHIPMENTiTRANSSHIPMENT IS PROHIBITED THROUGH IRAN, CUBA, NORTH
KOREA, SUDAN AND MYANMAR.
THIS IS A COMPUTER GENEMTED ADVICE
NO SIGNATURE IS REQUIRED
STANDARD CHARTERED BANK
INDONESIA JAKARTA BMNCH
MENARA STANDARD CHARTERED
JL. PROF DR. SATRIO NO.164
JAKARTA 12930, INDONESIA
FAX: (021) 571 9689
TEL: (021) 57999 000
==========================
2. Letter of Credit
901 SH REL.DATE=O11 1 16 REL.TIME=085237 DEAL=901 1 1 3035750-L tSS000
MT700 ARR,DATE=160101 ARR.TIME=1847 REF.NO.LCSFCOI 1003648 ST=CL
AUTH: TEST AGREED SENDER:SEYBLKLXAXXX
SEYLAN BANK PLC
COLOMBO
:27: SEQUENCE OF TOTAL
111
:40A:FORM OF DOCUMENTARY CREDIT
IRREVOCABLE
:20: DOCUMENTARY CREDIT NUMBER
LCS30041967
:31C:DATE OF ISSUE
111101
:4OE:APPLICABLE RULES
UCP LATEST VERSION
:31D:DATE AND PLACE OF EXPIRY
28022016INDONESIA
:50:APPLICANT
KUDA KUDA INTERNATIONAL LTD. 875,ABDUL GAFFOOR MW, COLOMBO 03, SRI LANKA.
:59: BENEFICIARY :
CV.ADIPATI JAYA ABADI
JL.ADIPATI BLOK E NO 13 DESA JAPAN KEC.SOOKO
MOJOKERTO 61361 JAWA TIMUR INDONESIA
:32B:CURRENCY CODE,AMOUNT
USD 102,600,00
:39A:PERCENTAGE CREDIT AMOUNT TOLERANCE
05/05
:41 D:AVAILABLE WITH..BY
ANY BANK IN INDONESIA
BY NEGOTIATION
:42C:DRAFTS AT
SIGHT
:42D:DRAWEE
SEYLAN BANK PLC
SEYLAN TOWERS, NO,gO GALLE ROAD
COLOMBO O3,SRILANKA.
:43P:PARTIAL SHIPMENTS
ALLOWED
:43T:TRANSSHIPMENT
ALLOWED
:44E:PORT OF LOADING/AIRPORT OF DEPARTURE
ANY PORT IN INDONESIA
:44F: PORT O F DISCHARGE/AIRPO RT O F DESTI NAT I ON
COLOMBO
:44C:LATEST DATE OF SHIPMENT
15022016
:45A:DESCRIPTION OF GOODS AND/OR SERVICES
18000 KG(S) OF GREEN BEAN
ARABICA FLORES BAJAWA GRADE1
PROCESS : SEMIWASHED
MOISTURE MAX 12.5%
DEFECT MAX 11
CROP 2015
CIF COLOMBO INCOTERMS 2O1O
HS CODE NOS.0901 11 1000
IMPORT PERMIT DFC35077011
VAT NO.104080758-7000
:464: DOCU MENTS REQU IRED
1 )MANUALLY STGNED COMMERCTAL INVO|CES lN 04 FOLD, INDICATING
CIF BREAKDOWN SEPARATELY,
2)FULL SET OF (3/3) SHIPPED ON BOARD ORIGINAL BILLS OF
LADING PLUS 02 NON NEGOTIABLE COPIES ISSUED TO THE ORDER OF
SEYLAN BANK PLC,MARKED'FREIGHT PREPAID' NOTIFY APPLICANT
INDICATING NAME AND ADDRESS OF SHIPPTNG AGENT IN SRI LANKA.
3)ORTG|NAL INSURANCE POLYCY OR CERTIFICATE ISSUED OR
ENDORSED TO THE ORDER OF SEYLAN BANK PLC,COVERING MARINE
RISKS FOR FULL CIF VALUE PLUS 10 PCT IRRESPECTIVE OF PERCENTAGE
INDICATING PREMIUM PAID AND CLAIMS PAYABLE IN COLOMBO
COVERING THE FOLLOWING RISKS WITHOUTANY EXCLUSIONS
TNSTTTUTE CARGO CLAUSES .(A) -
TNSTITUTE WAR CLAUSES (CARGO)
TNSTITUTE STRTKES CLAUSES (CARGO)
INCLUD ING TRANSHIPMENT RISKS
FROM SHIPPER'S WAREHOUSE TO APPLICANTS WAREHOUSE
4)CERTTFTCATE OF INDONESTAN ORIGTN IN 02 FOLD, ISSUED BY THE
COMPETENT AUTHORITY.
5)DETAILED PACKING LlST lN 02 FOLD.
6)ICO CERTIFICATE.
7)BENEFICIARYS CERTIFICATE CONFIRMING ALL ADV|STNG
CHARGES OUTSIDE SRI LANKA HAVE BEEN SETTLED.
8)BENEF|CTARYS CERTTFICATE CONFTRMTNG THAT A FULL SET OF
COPY DOCUMENTS HAVE BEEN COURIERED AND EMAILED TO THE APPLICANT
WITHIN 05 DAYS FROM THE DATE OF SHIPMENT.THE RELEVENT COURIER
RECEIPT TO THIS EFFECT MUST ACCOMPANY THE ORIGINAL DOCUMENTS.
:47A:ADDITIONAL CONDITIONS
1)ALL DOCUMENTS SHOULD BEAR DATE ON OR AFTER THE LETTER OF
CREDIT DATE.
2)ALL DOCUMENTS SHOULD |NDTCATE THE LETTER OF CREDTT NUMBER.
3)A DTSCREPANCY FEE OF USD 60/- OR ITS EQUTVALENT W|LL BE
DEDUCTED FROM PROCEEDS FOR EACH SET OF DOCUMENTS PRESENTED
WITH DISCREPANCIES.
4. )A TOLERANCE OF 5 PCT MORE OR LESS IN QUANTITY AND VALUE ALLOWED.
5)COMMERCTAL TNVOTCES SHOULD tNDTCATE THE GOODS ARE SHTPPED AS
pER THE ORDER NO.3680221932 DTD 3111012011.
6)ALL ADVTS|NG BANK CHARGES SHOULD BE COLLECTED AT THE TIME OF
NEGOTIATION. NEGOTIATING BANK'S COVERING SCHEDULE TO CERTIFY
THAT ALL ADVISING BANK'S CHARGES HAVE BEEN COLLECTED FROM
BENEFICIARY.
7)DECLARATTON BY SHIPPER ON INVOICE CERTIFYING THAT GOODS ARE OF
INDONESIAN ORIGIN IS ACCEPTABLE INSTEAD OF FIELD 46A ITEM NO.4
8)SHIPMENT SHOULD BE EFFECTED DURING THE THIRD WEEK OF NOVEMBER
2011 AND ARRIVE AT COLOMBO PORT DURING THE FIRST WEEK OF
DECEMBER 2011.
:71B:CHARGES
OUTSIDE SRI LANKA ARE FOR
BENEFICIARYS ACCOUNT,
:48: PERIOD FOR PRESENTATION
14 DAYS FROM THE DATE OF SHIPMENT
BUT WITHIN THE VALIDITY
OF CREDIT
:49: CONFIRMATION INSTRUCTIONS
WITHOUT
:78: INSTRUCTIONS TO THE PAYI NG/ACCEPTI N G/N EGOTIATI NG BAN K
1)ALL DOCUMENTS TO BE FORWARDED BY COURIER lN ONE LOT TO
SEYLAN BANK FIRST CITY OFF|CE, 428, SIR BARON JAYATILAKA
MAWATHA,COLOMBO 01, SRI LANKA.
2)UPON RECETPT OF CRED|T COMPLYING DRAFTS AND DOCUMENTS WE SHALL
REMIT PROCEEDS TO THE NEGOTIATING BANKAS PER INSTRUCTIONS TO
BE RECEIVED.
3)ALL DRAWINGS UNDERTHIS LETTER OF CREDIT SHOULD BE NOTED ON THE
REVERSE OF THIS CREDIT.
:S7D:ADVISE THROUGH BANK
PT.BANK MANDIRI (PERSERO) :
TBK,CABANG SURABAYA BASUKI RAHMAT,
SURABAYA
:72: SENDER TO RECEIVER INFORMATTON
ACK
THIS CREDIT IS VALID ONLYWHEN USED IN CONJUNCTION WITH OUR
NOTIFICATTON OF LC ADVICE NO. 901113035750-L DATED 02111111
PAGE 3/ *" END OF MESSAGE "-
" unquote
Silahkan dibaca atau di copy dulu, dan akan saya teruskan penjelasan di tulisan berikutnya
Semoga bermanfaat
Terima kasih atas tulisannya karena sangat bermanfaat. Tolong clause tentang Advising LC bisa di bahas secepatnya karena dalam keseharian pekerjaan saya selalu mendapatkan clause tersebut agar lebih dapat memahaminya.
BalasHapusTerima aksih ats atensinya