14 April 1999, Pande Lubis sent a memo to IBRA's Glenn Yusuf, recommending immediate payment of the Bank Bali claims. Rudy was still desperate to inject funds into Bank Bali, so he appointed JP Morgan to raise investors. JP Morgan soon shortlisted three serious potential investors: Citibank, ABN Amro, and GE Capital. According to Rudy, Citibank offered to buy Bank Bali's credit card business - then the second-largest in Indonesia - for Rp1.5 trillion, which would cover the Rp1.4 trillion he needed to strengthen his bank's capital. But JP Morgan disagreed with the proposed sale, so Rudy accepted an offer from GE Capital, but the deal was rejected by Bank Indonesia and IBRA. Rudy said Bank Indonesia instead pushed him to have Standard Chartered invest in Bank Bali. On 22 April 1999, in front of reporters at Bank Indonesia, Rudy signed an agreement for Standard Chartered to buy a stake in Bank Bali, with negotiations to conclude within three months, by 22 July 1999. On 12 May 1999, Rudy Ramli met with then-finance minister Bambang Subianto at the latter's house to ask for help to cancel the agreement with EGP. Bambang later admitted to holding at least three meetings that month with Rudy and other officials. On 14 May 1999, the March 1998 joint decree on requirements for eligibility of claims for payment under the government's blanket guarantee was amended to make Bank Bali's claims eligible for payment. On 26 May 1999, Rudy met with Golkar figure Marimutu Manimaren and Habibie's associate Hariman Siregar at Jakarta's Ascott Apartment to ask for their help to get the payment to EGP canceled. Manimaren reportedly said that RI-1 (a reference to President Habibie) needed "only Rp300 billion". The transfer Djoko Tjandra had repeatedly urged IBRA chief Glenn Yusuf to approve a Rp904 billion payment to Bank Bali, but Yusuf declined. When Yusuf was in New York on 1 June 1999, his two deputies, Pande Lubis and Farid Harijanto, authorized the payment in his absence, even though it was a Sunday night. That night, the transfer of Rp904.6 billion was approved by Bank Indonesia and made by IBRA to Bank Bali for its claim to BDNI. Manimaren and Hariman asked Rudy to immediately transfer the Rp546.4 billion fee to EGP. Firman Soetjahja then transferred the fee on 3 June 1999. On that day, the EGP account began transferring funds to companies and officials, including