Document:

Agreement for Network Interconnection for Cellular Mobile Network

 Exhibit 4.3 
 The Third Amendment of Agreement for Network Interconnection for Cellular Mobile Network between Indosat and Telkomsel 
 The third amendment of cooperation agreement with Telkomsel to set up network interconnection between our cellular mobile network and Telkomsel’s cellular mobile network No Telkomsel:
Tel.458/LG.05/PD-00/IV/2011 – No. Indosat: 041/C00-C0H/LGL/11 dated April 7, 2011. 
 The Parties: 

 

	1.	 PT Telkomsel; and 

  

	2.	 PT Indosat Tbk 

Scope of The Amendment 

This third amendment was made to implement interconnection tariff based on BRTI’s letter number 227/BRTI/XII/2010 dated on December
31, 2010. In Addition, there were amendments of this third amendment regarding : 

	(i)	 Definitions of International Roaming Expert Group-24 (IREG-24) and International Roaming Expert Group-35 (IREG-35); 

	(ii)	 Service Level Agreement; 

	(iii)	 Fraud Interconnection; 

	(iv)	 Call Scenario & Routing 

 Period of Amendment: 
 This third amendment effective on
January 1st, 2011 and have same expiration date as
Cooperation Agreement.Agreement for Network Interconnection

 Exhibit 4.4 
 INDOSAT CELLULAR WIRELESS NETWORK AND TELKOM’S FIXED TELECOMMUNICATIONS NETWORK 

Third Amendment 
 The
third amendment of cooperation agreement on interconnection between Telkom’s fixed telecommunications network and Indosat’s cellular mobile network, No Telkom: Tel.185/HK 820/DCI-A1000000/2011 – No. Indosat: 032/C00-C0H/LGL/2011 dated
July 20, 2011. 
 The Parties: 
  

	1.	 PT Telkom Tbk; and 

  

	2.	 PT Indosat Tbk 

Scope of The Amendment 
 This third amendment was made to cover results of interconnection tariff repeated calculations 2010 for Fixed Wireless Access (FWA) which was implemented in July 1, 2011 based on Regulation of
Ministry of Communications and Informatics No. 16/PER/M.KOMINFO/06/2011 dated June 27, 2011. In Addition, there were amendments of this third amendment regarding (i) Numbering and (ii) Call Scenario. 

Period of Amendment: 
 This fifth amendment effective on July 1st, 2011 and have same expiration date as Cooperation Agreement. 
 Fourth Amendment

 The fourth amendment of cooperation agreement on interconnection between Indosat cellular mobile
network and Telkom’s fixed telecommunications network, No. Telkom: Tel. 259/HK 820/DCI-A1000000/2011 – No. Indosat: 043/C00-C0H/LGL/2011 dated December 20th, 2011. 

The Parties: 
  

	1.	 PT Telkom; and 

  

	2.	 PT Indosat Tbk 

Scope of The Amendment 
 This fourth amendment was made to extent period of agreement effective from January 1, 2012 until December 31, 2014 and can be extended or terminated prior expiration of agreement based on the
parties agreement that contained into amendment. 
 In addition, there were amendments as follows: 

 

	 	•	 	 The parties agree to change point 8 of A. Support Document Planning and Operating E regarding Point of Interconnection and Central Gate.

  

	 	•	 	 The parties agree to change A.1 Support Document regarding Telkom’s Network Information. 

 

	 	•	 	 The parties agree to change Tabel Routing on the A.9 Support Document regarding Indosat’s Tabel Routing. 

 

	 	•	 	 The parties agree to change Interconnection Services List and Telkom’s Tariff on C1 Document.Agreement for Network Interconnection

 Exhibit 4.5 
 INDOSAT FIXED NETWORK AND TELKOM’S FIXED TELECOMMUNICATIONS NETWORK 
 Third
Amendment 
 The third amendment of cooperation agreement on interconnection between Telkom’s fixed telecommunications
network and Indosat’s fixed telecommunications network No. Telkom :Tel.186/HK 820/DCI-A1000000/2011 – No. Indosat : 033/C00-C0H/LGL/2011 dated July 20, 2011. 
 The Parties: 
  

	1.	 PT Telkom Tbk; and 

  

	2.	 PT Indosat Tbk 

Scope of The Amendment 
 This third amendment was made to cover results of interconnection tariff repeated calculations 2010 for Fixed Wireless Access (FWA) which was implemented in July 1, 2011 based on Regulation of
Ministry of Communications and Informatics No. 16/PER/M.KOMINFO/06/2011 dated June 27, 2011. In Addition, there were amendments of this third amendment regarding (i) Numbering and (ii) Call Scenario. 

Period of Amendment: 
 This third amendment effective on July 1st, 2011 and have same expiration date as Cooperation Agreement. 
 Fourth Amendment

 The fourth amendment of cooperation agreement on interconnection between Indosat Fixed network and
Telkom’s fixed telecommunications network, No. Telkom: Tel. 260/HK 820/DCI-A1000000/2011 – No. Indosat: 044/C00-C0H/LGL/2011 dated December 20th, 2011. 

The Parties: 
  

	1.	 PT Telkom; and 

  

	2.	 PT Indosat Tbk 

Scope of The Amendment 
 This fourth amendment was made to extent period of agreement effective from January 1, 2012 until December 31, 2014 and can be extended or terminated prior expiration of agreement based on the
parties agreement that contained into amendment. 
 In addition, there were amendments as follows: 

 

	 	•	 	 The parties agree to change point 8 of A. Support Document Planning and Operating E regarding Point of Interconnection and Central Gate.

  

	 	•	 	 The parties agree to change A.1 Support Document regarding Telkom’s Network Information. 

 

	 	•	 	 The parties agree to change A.1 Support Document regarding Telkom’s Network Information. 

 

	 	•	 	 The parties agree to change Tabel Routing on the A.9 Support Document regarding Indosat’s Tabel Routing. 

 

	 	•	 	 The parties agree to change Interconnection Services List and Telkom’s Tariff on C1 Document.Tower Lease Agreement between Indosat and PT Hutchison CP Telecommunications

 Exhibit 4.6 
 Tower Lease Agreement 
 The first amendment of tower lease agreement between
PT Indosat Tbk (“Indosat”) and PT Hutchison CP Telecommunications (“HCPT”) No. Indosat: 948A/C00-C0DA/LGL/11 – No. HCPT: 404/LGL-AMD1-Tower/PT. Indosat, Tbk./RS-MM/Tech/VIII/11 dated August 18, 2011. 

The Parties: 
  

	1.	 Indosat; and 

  

	2.	 HCPT 

 Scope of
The Amendment 
 This first amendment was made to amend as follows: 

 

	1.	 Compensation to Landlord and/or community; 

  

	2.	 Tower Strengthening; 

  

	3.	 Term of Payment; 

  

	4.	 Put on an addition definition clause 

 Period of Amendment: 
 This third amendment effective on
August 18, 2011 and have same expiration date as Tower Lease Agreement.Exhibit 10.1

 Exhibit 10.1 

 

					
	 

  
	  	 U.S. Department of Justice
  

United States Attorney
 District of New
Hampshire
	  	

  

					
			
		  	Federal Building	  	603/225-1552
		  	53 Pleasant Street, 4th Floor	  	
		  	Concord, New Hampshire 03301	  	
			
		  	April 30, 2012	  	

 Maria A. Barton, Esq. 
 Benton J. Campbell, Esq. 
 Barry M. Sabin, Esq. 

Latham and Watkins LLP 
 885 Third Avenue

 New York, New York 10022 
 Re:    Imperial Holdings, Inc. 
 Dear Ms. Barton and Messrs. Campbell and
Sabin: 
 On the understandings specified below, the United States Attorney’s Office for the District of New Hampshire (the
“USAO”) will not criminally prosecute Imperial Holdings, Inc. or any of its present or former subsidiaries or affiliates (collectively referred to as “Imperial” or the “Company”) for any crimes (except for criminal tax
violations, as to which the USAO does not make any agreement) related to the Company’s involvement in making and agreeing to make, or aiding and abetting the making of, misrepresentations on life insurance applications in connection with its
premium finance business from 2006 through 2011, including the specific conduct described in Appendix A hereto, and potential securities fraud claims related to the premium finance business. 

The USAO enters into this Non-Prosecution Agreement based, in part, on the following factors: (a) Imperial’s complete
disclosure of the facts described in Appendix A; (b) Imperial’s self-investigation and cooperation with the USAO to date; (c) Imperial’s decision to voluntarily terminate its premium finance business; (d) the fact that
Imperial employees who are known at this time to have been primarily responsible for the conduct described in Appendix A are no longer at the Company; (e) Imperial’s acceptance of the resignation of a senior officer and termination of
senior sales staff involved in the premium finance business; and (f) the negative impact and collateral consequences that charging the Company would have on the Company’s employees and shareholders and other business activities that are
not part of the USAO’s investigation. 
 It is understood that Imperial admits, and accepts and acknowledges responsibility
for, the conduct set forth in Appendix A, and agrees not to make any public statement contradicting Appendix A, provided, however, that nothing in this paragraph precludes Imperial from taking good faith positions in any other contexts, including in
any civil litigation or regulatory proceeding. 

 If Imperial fully complies with the understandings specified in this Non-Prosecution
Agreement, the USAO will not bring any criminal case against Imperial based on the conduct of present and former officers, directors, employees, agents, and consultants, related to the Company’s involvement in making and agreeing to make, or
aiding and abetting the making of, misrepresentations on life insurance applications in connection with its premium finance business from 2006 through 2011, including the specific conduct described in Appendix A hereto, and potential securities
fraud claims related to the premium finance business. This Agreement does not provide any protection against prosecution for any crimes except as set forth above, and applies only to Imperial and its present or former subsidiaries and affiliates and
not to any other entities except as set forth in this Agreement or to any individuals. Imperial expressly understands that the protections provided under this Agreement shall not apply to any acquirer or successor entities unless and until such
acquirer or successor formally adopts and executes this Agreement. 
 This Agreement shall have a term of three years from the
date of this Agreement, except as specifically provided in the following paragraph. It is understood that for the three-year term of this Agreement, Imperial shall: (a) commit no U.S. crimes whatsoever; (b) truthfully and completely
disclose non-privileged information with respect to the activities of Imperial, its officers and employees, and others concerning all matters about which the USAO inquires of it, which information can be used for any purpose, except as otherwise
limited in this Agreement; (c) use best efforts to identify witnesses who, to Imperial’s knowledge, possess material information regarding the matters covered by this Agreement, including all aspects of Imperial’s premium financing
business as identified in Appendix A, Paragraph 7; and (d) bring to the USAO’s attention all criminal conduct by, or criminal investigations of, Imperial or any of its employees that comes to the attention of Imperial or its management, as
well as any administrative proceeding or civil action brought by any U.S. or state governmental authority that alleges fraud by or against Imperial. Additionally, two years from the date of this Agreement, provided that it has otherwise complied
with its obligations under this Agreement, Imperial may petition the USAO to forego the final year of the Agreement, subject to the provisions of the following paragraph. 
 Until the date upon which all investigations and prosecutions arising out of the conduct described in this Agreement are concluded, whether or not they are concluded within the three- year term of this
Agreement, Imperial shall, with respect to these matters: (a) cooperate fully with the USAO, and any law enforcement agency designated by the USAO; (b) assist the USAO by providing logistical and technical support for any meeting,
interview, grand jury proceeding, or any trial or other court proceeding; (c) use its best efforts promptly to secure the attendance and truthful statements or testimony of any officer, agent, or employee at any meeting or interview or before
the grand jury or at any trial or other court proceeding; and (d) provide the USAO, upon request, all non-privileged information, documents, records, or other tangible evidence about which the USAO or any law enforcement agency designated by
the USAO inquires, including facilitating USAO and law enforcement access to Imperial’s non-privileged electronic data and email. 

  
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 It is understood that, if the USAO in its sole discretion determines that Imperial has
committed any crime after signing this Agreement, that Imperial has given false, incomplete, or misleading testimony or information at any time, or that Imperial otherwise has violated any provision of this Agreement, Imperial shall thereafter be
subject to prosecution for any violation of federal law of which the USAO has knowledge, including perjury and obstruction of justice. Any such prosecution related to the facts set forth in Appendix A that is not time-barred by the applicable
statute of limitations on the date of the signing of this Agreement may be commenced against Imperial, notwithstanding the expiration of the statute of limitations between the signing of this Agreement and the expiration of the term of this
agreement if the term of the Agreement lasts three years or, if the USAO agrees to forego the last year of the term of the Agreement as discussed above, one year beyond the effective date of the USAO’s decision. Thus, by signing this Agreement,
Imperial agrees that the statute of limitations with respect to any prosecution related to the facts set forth in Appendix A that is not time-barred on the date that this Agreement is signed shall be tolled for the term of three years from the date
of this Agreement, as set out in this paragraph. 
 Upon execution of this Agreement, Imperial agrees to pay a monetary penalty
of $8,000,000.00, in equal amounts to the Federal Bureau of Investigation, the United States Secret Service, and the United States Postal Inspection Service Consumer Fraud Fund, pursuant to instructions provided to Imperial by the USAO under
separate cover, by April 30, 2012. Imperial acknowledges that no tax deduction may be sought in connection with this payment. 
 It is understood that, if the USAO in its sole discretion determines that Imperial has committed any crime after signing this Agreement, or that Imperial has given false, incomplete, or misleading
testimony, or has otherwise violated any provision of this Agreement: (a) all statements made by Imperial to the USAO or other designated law enforcement agents and any testimony given by Imperial before a grand jury or other tribunal, whether
prior or subsequent to the signing of this Agreement, and any leads from such statements or testimony, shall be admissible in evidence in any criminal proceeding brought against Imperial; and (b) Imperial shall assert no claim under the United
States Constitution, any statute, Rule 410 of the Federal Rules of Evidence, or any other federal rule that such statements or any leads therefrom should be suppressed. By signing this Agreement, Imperial waives all rights in the foregoing respects.

 It is further understood that this Agreement does not bind any federal, state, local, or foreign prosecuting authority other
than the USAO. The USAO will, however, bring the cooperation of Imperial to the attention of other prosecuting and investigative offices, if requested by Imperial. 
 It is further understood that Imperial and the USAO may disclose this Agreement to the public. 
 With respect to this matter, from the date of execution of this Agreement forward, this Agreement supersedes all prior, if any, understandings, promises, and/or conditions between the USAO and Imperial.
No additional promises, agreements, or conditions have been entered into other than those set forth in this Agreement and none will be entered into unless in writing and signed by all parties. 

  
 3 

 
			
		 	JOHN P. KACAVAS
		 	United States Attorney
		
	By:	 	 /s/ Seth R. Aframe

		 	Seth R. Aframe
		
	By:	 	 /s/ Arnold H. Huftalen

		 	Arnold H. Huftalen
		 	Assistant United States Attorneys
		 	United States Attorney’s Office
		 	District of New Hampshire

  

			
	AGREED AND CONSENTED TO:
	
	 Imperial Holdings, Inc.

		
	By:	 	 /s/ Michael Altschuler

		 	Michael Altschuler
		 	General Counsel
	
	APPROVED:
		
	By:	 	 /s/ Maria A. Barton

		 	Maria A. Barton
		
		 	 /s/ Benton J. Campbell

		 	Benton J. Campbell
		
		 	 /s/ Barry M. Sabin

		 	Barry M. Sabin
		 	Attorneys for Imperial Holdings, Inc.

  
 4 

 APPENDIX A 
 STATEMENT OF FACTS 
 This Statement of Facts is incorporated by
reference as part of the Non-Prosecution Agreement, dated April 30, 2012, between the United States Attorney’s Office for the District of New Hampshire (“USAO”) and Imperial Holdings, Inc. or any of its present or former
subsidiaries or affiliates (collectively referred to as “Imperial”). The USAO and Imperial agree that the following facts are true and correct: 
 1. Imperial is a specialty finance company headquartered in Boca Raton, Florida and incorporated under Florida law. In February 2011, Imperial held an initial public offering and was listed on the New
York Stock Exchange. 
 2. Prior to February 2011, Imperial was a private limited liability company that was
organized on November 29, 2006. At that time, the company’s primary business activities involved providing premium financing for life insurance policies and, beginning in 2007, purchasing structured settlements. The senior representatives
of Imperial divided primary responsibility for running the premium financing and structured settlement businesses. 
 3. With respect to the premium finance business, Imperial normally issued loans for the purpose of paying premiums on universal life insurance policies. Most loans typically matured in approximately two
(2) years from the loan date. With few exceptions, Imperial obtained funding for the loans from various credit facilities. Between in or about December 2007 and December 2010, Imperial’s lenders required that it obtain lender protection
insurance coverage for premium loans to ensure that the credit facilities would be repaid in the event a loan defaulted. 

 4. The stated terms of premium finance loans offered by Imperial typically
required either a personal guaranty up to the full extent of the loan or a $5,000 cash contribution from the insured. In addition the loan agreements provided that (1) the life insurance policy be held in an irrevocable life insurance trust,
(2) a professional co-trustee be appointed and (3) the co-trustee be responsible for ensuring that premium payments were made from the proceeds of the loan. At all times during the loan, the policy was owned by an irrevocable life
insurance trust for beneficiaries, who were required to be family members of the insured. 
 5. At loan maturity,
the borrower had several options: repay the loan and retain ownership of the policy; sell the policy in the secondary market and use the proceeds to pay off the loan; or default on the loan and relinquish ownership of the policy. In the majority of
loans, the borrower defaulted on the payment of the loan and relinquished ownership of the policy under the terms of the loan agreement. 
 6. Pursuant to Imperial’s business model, Imperial had the opportunity to make money at the beginning as well as the end of the loan transaction. Life insurance carriers normally paid commissions to
agents for placing life insurance policies. As a condition to making premium finance loans on insurance policies, Imperial received agency fees that were calculated off of the commissions received by the life insurance agents who wrote the
underlying policies. At the end of the loan transaction, in the instances where a loan was repaid by the borrower, Imperial also was paid a substantial origination fee and interest on the loan in addition to the outstanding principal. 

7. Imperial financed premiums on life insurance policies that were submitted to the Company through three separate
channels. First, Imperial conducted seminars to 

  
 2 

 
market life insurance policies and premium financing to individuals over 65 years old (referred to as the “retail seminar business”). Second, certain Imperial employees who were also
licensed life insurance agents worked with external general agents and brokers to obtain life insurance for individuals over 65 years of age from various insurance carriers and premium financing from Imperial (referred to as the “retail
non-seminar business”). Finally, Imperial financed premiums on life insurance policies that had been obtained by external agents and brokers (referred to as the “wholesale business”). 

8. Imperial engaged in the wholesale business from 2006 through 2011. As part of this business, the Company financed
premium finance loans for policies obtained by external agents and/or brokers who assisted prospective insureds in completing life insurance applications and submitting the applications to various life insurance companies. 

9. Imperial employees had direct contact with prospective insureds in the retail seminar and the retail non-seminar
businesses and those Imperial employees who were also life agents were directly involved in making representations on behalf of the prospective insureds on applications for life insurance from the various carriers. The retail seminar business ended
in or about May 2008 and the retail non-seminar business ended in or about January 2009. 
 10. From December
2006 to January 2009, in connection with its retail non-seminar business, those Imperial employees who were also life agents assisted prospective insureds and external general agents and brokers in completing life insurance applications and
submitting the applications to various life insurance companies. During this process, Imperial had direct contact with prospective insureds and/or should have demanded direct access to prospective insureds. 

  
 3 

 11. At all relevant times, certain insurance companies required that the
prospective insured applying for a life insurance policy, and sometimes the agent, disclose information relating to premium financing on applications for life insurance policies. These questions typically required the prospective insured to disclose
if he or she intended to seek premium financing in connection with the policy and sometimes required the agent to disclose if he or she was aware of any such intent on the part of the applicant. 

12. From December 2006 to January 2009, in connection with the retail non-seminar business, Imperial had a practice of
disclosing on applications that the prospective insured was seeking premium financing when the life insurance company allowed premium financing from Imperial. However, in certain instances, Imperial internal life agents facilitated and/or made
misrepresentations on applications that the prospective insured was not seeking premium financing when the insurance carrier was likely to deny the policy on the basis of premium financing. 

13. To the extent that external agents, brokers and insureds caused other misrepresentations to be made in life insurance
applications in connection with the retail non-seminar business from December 2006 to January 2009, Imperial failed to appropriately tailor controls to prevent potential fraudulent practices in this business. 

14. From December 2006 to January 2009, in connection with the retail non-seminar business, in the course of the
application process, Imperial and external general agents and brokers would mail, fax and/or email some of the forms to insurance companies and would cause the insurance companies to mail, fax and/or email policies and other related forms.

  
 4 

 15. As a result, in connection with the retail non-seminar business from
December 2006 to January 2009, in certain circumstances, Imperial facilitated and/or made misrepresentations regarding premium financing on life insurance applications for elderly individuals and failed to take appropriate precautions to prevent
other misrepresentations that may have been made on said life insurance applications by employees, prospective insureds, and external agents and brokers. 
 16. In or about January 2009, Imperial discontinued its retail non-seminar business. 

  
 5

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