RICKY LEONARD

Board Of Management RLJ & COMPANY-RLJ ACTUARIES & CONSULTANTS (KKA INDRA CATARYA SITUMEANG & PARTNERS) and KKFIS E-SEN AMATSARI RICKY RACHMATSYAH Associates dan KKA SG & P

QUALIFIED INTERNATIONAL & NATIONAL SPECIALISTS COMPANY/FIRM BANCASSURANCE ACTUARIAL & RISK MANAGEMENT PLATFORMS AND FINANCIAL REPORTING-INVESTMENT TECHNOLOGISTS (Qualified Big 4 & Big 10 Registered Public Accountants & Actuaries Companies/Firms WW since 2004)

RLJ & COMPANY-ACTUARIES & RISK MANAGEMENT

PLATFORMS AND CONSULTANTS Are PARTNER OF

♦ ADDACTIS® (Ex-MoSes Group UE UK WW) ♦

♦ E-SEN iRiSGREEN® (Ex-PROPHET Group UK USA WW) ♦

♦ TETHORiX® (Financial Technology Group Benelux

Aussie Franeger Franespa UE UEA UK

USA Pacific Indonesia ASEAN) ♦

♦ KKA INDRA CATARYA SITUMEANG & PARTNERS

(With PT. RICKY LEONARD JASATAMA

& PT. SIENCO AKTUARINDO UTAMA

MANAGEMENT CONSULTANTS) ♦

♦ KKA SETYA GUNAWAN & PARTNERS ♦

♦ We are The 1st & Reputable

Actuarial & Risk Management Platform

and Consultants Company/Office

in Regional Networking & Synergy

Indonesia-UE-UK-UEA-USA-Pacific-ASEAN ♦

♦ Established in Jakarta INA Since 1987 ♦

RLJ & COMPANY

PT. RICKY LEONARD JASATAMA

BANCASSURANCE ACTUARIAL & ACCOUNTANCY

HR-BENEFITS & HEALTHCARE AND PENSION FUNDS

ACCOUNTANCY & HUMAN CAPITAL COMPANY with Advanced Actuarial Risk & Financial (Banking HR-Benefits Insurance Investment Pension) Accountants-Technologists Management Platforms

IFRS-PSAK BANKING FINANCE ACTUARIES/CAPITAL ACTUARIES & INSURANCE PENSION ACTUARIES

PT. RICKY LEONARD JASATAMA & GROUP CAPITAL

KANTOR AKTUARIS PUBLIK PT. RICKY LEONARD & REKAN-RLJGROUP INVESTMENT is Actuaries Services & Management Consulting and Banking Finance Investment Professional Firm-Company engaged in services for All Companies:

Accountancy Experienced IFRS/PSAK Banking Finance Investment Actuaries & Insurance Pension Actuaries and HR Specialists Services and a Variety of Roles, including:

(1). AASB AUSTRALIA, EUROPE FRS & GAAP, FRS UK, IFRS 17 International, PSAK 24 & IAS 19 (Employee Benefits), US GAAP FASB 87-88-106-132-158, Accountancy Actuarial Business Valuation (Appraisal & Business Valuations, Business Combinations, Embedded Valuation, Merger & Acquisition, Strategy & Transaction), TETHORIX Engines Systems Softwares, Employee Stock Option, Impairment Asset, Accountancy Actuarial Others, Commercial Banking Specialist & Quants, (2). Banks Actuaries (National Banks Actuaries), (3). Corporate Banking Finance Actuaries, (4). Enterprise Financial Risk Management Actuaries, (5). Financial Actuaries (Investment & Mutual Funds Actuaries), (6). Human Capital & Benefits Actuaries Services, (7). General, Health, Life Insurers & Reinsurer Actuaries, (8). Pension & Superannuity Funds Actuaries, (9). Programming & Data Information Science Technology Actuaries, (10). Accountants Actuaries or Management Accountants Actuaries, (11). Banking Branch Management Actuaries, (12). Corporate Financiers Actuaries & Investment Bankers Actuaries, (13). Family Office & Personal Financial Advisors Actuaries, (14). Financial Analysts Actuaries, (15). Mathematicians Statisticians Actuaries, (16). Risk Management Actuaries.

Our Products are: Actuarial Accountancy Expertise, Advisory & Actuarial Services, Human Capital & Benefits, Financial Management, Human Resources Management, Enterprise Risk Management & Planning, Expenditure Management, Talent Management, Payroll & Teamworks Management, Reporting & Analysis, Tasks Automation, Program & Products Development. Our TETHORIX Solutions & information Technology are: Finance & Banking Services, Insurance, Communications, Government, Trading & Investment, Healthcare & Hospitals, Property, Infrastructure, Minning, Manufacturing, Professional & Services.

To broaden our range of services, we include: Actuarial Accounting Expertise, Investment Advisory, Advisory & Actuarial Services, Human Capital & Benefits, Risk Management, Banking & Insurance Tech, Insurance Brokerage, Payment Tech, Processing Serices, and Information Based services.

Board of Commissioners Directors (BOD):

Chartered Actuary (Fellow), Chairman & Founder

Mr. Indra Catarya Situmeang, MSc., FSAI., CA., CWM., AkP. is Experienced Professional and Specialist Insurance, Pension Fund, Wealth Management, Financial Reporting and Investment Technology. He is Experienced, Professional & Specialist in Financial & Investment Services Industry, that are:

(1). Insurance, (2). Pension Fund, (3). Actuarial Consultancy Office and Risk Management Platform/Financial Investment Technology/Applied Finance, (4). Wealth Management

Managing Director & Founder and Chartered Actuary (Fellow)

Mr. Ricky Leonard S. MSF., FSAI., CA., MM., BASc., CIBM., AkP., QIP., CPBM., WAPERD. is Experienced Professional and Specialist Bancassurance Financial (Universal Banking), Financial Reporting and Investment Technology, Healthcare & Pension Fund, Human Capital & Benefits, Reinsurance & Chartered Actuary (Fellow).

Decode the system, Automate the future

P[t+1]=f[P(t),D,A]

He is Experienced, Professional & Specialist in Financial & Investment Services Industry, that are:

(1). Universal Banking-Bancassurance Financial & Actuary and Risk Management Platform/Financial Investment Technology/Applied Finance, and Reinsurance, (2). Actuarial Consultancy Office and Risk Management Platform/Financial Investment Technology, (3). Accountancy & Financial Management and HRD Advocacy

Companies as follows:

A. Universal Banking-Bancassurance Financial (Insurers owned by Banks:

1. Astra Jardine CMG-The Insurer Owned By Multinational JV Astra Jardine Universal Bank & Investment Group UK Indonesia (Hundreds of Billions of US Dollars Asset England Conglomerate & Bank, that the Headquarter is in Hong Kong) with Commonwealth Bank Group Australia (Thousands of Trilions of Australian Dollars Asset Australian Bank & Financial Investment Services Corporation, that the Headquarter is in Sidney, New Southwales Australia)

2. BDNI Insurance-The Insurer Owned By Bank BDNI & Gajah Tunggal Group Indonesia

3. ING Insurance-The Insurer Owned By Multinational ING Bank (Thousands of Trilions of Euros Asset European Dutch Bank & Financial Investment Services Corporation WW, that the Headquarter is in Amsterdams)

The Industry Of Indonesia Bancassurance Companies are Member of International Bancassurance Association:

(1). IAIS (International Association Of Insurance Supervisors), (2). GFIA (Global Federation Of Insurance Associations), (3). ACI FMA (Financial Markets Association), (4). Asian Banking & Finance Association

Major Player in International Universal Banking-Bancassurance Financial Market:

A. Europe: BNP Paribas, Allianz (Thousands of Trilions of Euros Asset European Germany Financial Investment Services Corporation WW, that the Headquarter is Munich), Jardine Group, ING Bank Group, AXA, Banco Santander (Thousands of Trilions of Euros Asset European Spanish Bank & Financial Investment Services Corporation WW, that the Headquarter is in Madrid), Credit Agricole (Thousands of Trilions of Euros Asset European France Bank & Financial Investment Services Corporation WW, that the Headquarter is in Montrouge), Nordea Group.

B. America: Wells Fargo, Citigroup, Metlife, Prudential Financial

C. Pacific-Asia: Commonwealth Bank Group (Thousands of Trilion of Australian Dollars Asset), ANZ, Ping An Insurance

Global Universal Banking-Bancassurance Financial Trend: Europe Domination, Asia Growth, Digitalization, Strict Regulations (Indonesia: BPI DANANTARA/Previous KEMENEG BUMN, BI, OJK) & Actuarial and Risk Management Platform/Financial Technology (MoSes-UK UE WW and PROPHET USA-UK WW),

and Reinsurance (Reinsurer Owned by Bank & Insurer: Maskapai Reasuransi Indonesia-Owned By AJB Bumiputera Insurer and Bank Dharmala & Dharmala Group) Companies)-Since 1994,

B. Actuarial Consultancy & Risk Management Platform (Financial Technology) Company/Office (Big 4 & Big 10 Qualified Indonesia & Multinational KKA Indra Catarya & Rekan-PT. Rileos Pratama (RLJ & Company) & Benelux France UE UK UEA WW ADDACTIS (Previous Part of MoSes Actuarial Automation Digital & Software Company Group UK-UE-WW) & GREEN 13 E-SEN (Previous Part of PROPHET Actuarial Automation Digital & Software Company Group USA-UK-WW): Group Actuarial & Risk Management Platform/Financial Technology-Since 2003,

C. Accountancy & Financial Management and SDM Advocacy Company (Big 4 & Big 10 Accountants Financial Reporting IFRS-PSAK-US GAAP & Financial Management and SDM Advocacy Companies WW)-Since 2003.

Founder & Chairman of the BOD RLJ GROUP Investment (PT. Ricky Leonard Jasatama-IFRS/PSAK Banking Finance Actuaries & Insurance Pension Actuaries and Human Capital Benefits Services Company). Ricky is One of the Chartered Actuaries (CA) and Chartered Corporate Finance Capital Market Professional and Chartered Qualified Insurance Professional who has adequate, complete, and valuable combination of experience, expertise and knowledge in IFRS-PSAK Banking Finance Actuaries & Insurance Pension Actuaries, Banking Finance Risk Management/Financial Risk Management, Data Science & Reporting Valuations, Human Capital Benefits & Rewards, Investment Banking & Commercial Properties, and Investment Management Offices in Asia Pacific-England-Europe-Indonesia & Middle East. Mr. Ricky Leonard S. is Public Actuary CA Fellow with Institute-University Education and Qualified Professional Fellowships & Chartered are:

#Institute-University Educations Degree:

1. Actuaries Institute & Macquarie University Of Australia (Graduate: Master Of Actuarial Studies & Applied Finance-Member Of Finance Club Actuaries Institute & Macquarie University Of Australia-Consistently ranked in the top 1% universities globally, with Specialisation Investment in Insurance Company-Embedded Value, EEV, MCEV, AV: The Science Of Asset Management, Actuarial Valuation, Cash Flow and Risk Modeling Engines/Machines, or Actuarial Risk Management Platform/Algorithm Financial Modeler/Financial Technology).

2. PPM School Of Management (Graduate: Master Of Management, with Specialisation Bancassurance Services Office Management-Member Of Finance Club PPM School Of Management)

3. University Of Indonesia (Under-Graduate: Bachelor Of Applied Science in Finance, with Specialisation Actuarial Science & Bancassurance (Universal Banking) Management Accountant-Double Major & Member Of Finance Club FIA UI & FISIP UI)

#Professional Chartered & Fellowships Qualification:

1. Chartered Investment Banking Manager-CIBM, from IOBM (Institute Of Banking & Finance and Risk Management)

2. Chartered Private Banking Manager-CPBM, from IOBM (Institute Of Banking & Finance and Risk Management)

3. Fellow Of Society Of Actuaries Of Indonesia-FSAI, from Society Of Actuaries Of Indonesia

4. Qualified Insurance Professional-QIP, from Chartered Insurance Institute Of Indonesia (AAMAI)

and lots of International and National Financial & Investment Trainings participation, and Actuarial Risk Management Platforms (Advanced Coding in Qualified Big4 Addactis, E-SEN Green13, MoSes, and Prophet ARMP-AFM) and Banking Accountant-Investment Technologist Professional Experiences. Mr. Ricky Leonard S. is also one of the founders who led the birth of the Actuary CA Fellow & Financial Accountant IFRS-Investment Technologist Profession in majority Banking Insurance (Casualty, Health & Life Insurance), BUMN & BUMD, Corporation (International, National Private Tbk & Non-Tbk), Foundation, Government Institution, Healthcare & Pension, Human Capital & Benefits, Investment & Asset Management Industries since year 2003. He is a Senior Partner of GLOBAL INTERNATIONAL ACTUARIES ASSOCIATION UE-UK-PACIFIC ASIA-INDONESIA-UEA IFRS BANKING FINANCE ACTUARIES/CAPITAL ACTUARIES & INSURANCE PENSION ACTUARIES (Including Reputable Qualified Actuary Accountant Modern System Companies as follows: Tillinghast-MoSes, FIS-Prophet, Oracle, Accenture, PWC Software, Addactis, Ilum:e Informatik AG, Iris-Green, SAS, AXIS-Moodys, Hamilton, VIPitech, AON, Others) and HRD & BENEFITS ACTUARIES as well as a Senior Partner of KKA INDRA CATARYA SITUMEANG (Mr. Indra Catarya Situmeang MSc. FSAI. is Public Actuary and University Of Indonesia & University Of Philipines Master of Actuarial Science Alumni, with Mr. Indra Hatari PhD. FSAI.-University Of Nebraska USA PhD. Non-Actuarial Science Alumni, are the Founding Partners of the First & Real International and National Class Division Of Finance Administration-Management Science with Specialisation in Actuarial & Banking Accountant FRS Office Management in FISIP University Of Indonesia on year 1962. Mr. Indra Catarya Situmeang MSc. FSAI. is also one of the founders who led the birth of the Indonesian Actuaries Association/Persatuan Aktuaris Indonesia on year 1987) & Partner-Business Permit Number 5.21.0011 which is an affiliated of RLJGROUPINVESTMENTFINANCIAL. He also has 25 years of experience, capability and integrity in SAVINGS BANKS-(RE)INSURANCE-IFRS-HR-INVESTMENT-PENSION INDUSTRY as follows: FIRM-COMPANY JASA IFRS/PSAK BANKING FINANCE ACTUARIES & INSURANCE PENSION ACTUARIES and HUMAN CAPITAL BENEFITS SERVICES PT. RICKY LEONARD JASATAMA-RLJ GROUP, RLS Corporate Finance & PropTech Data Information Science, FINANCIAL INVESTMENT & INSURANCE PENSION PROFESSIONAL OFFICE COMPANY-FIRM KJP-KPIA AMATSARI RICKY RAHMATSYAH & Rekan (ARR & Associates), E-SEN Santander RLS Abbey TETHORIX® Financial Solution Limited Grupo, Allianz Financial Services Group General & Life Insurance, ING Banking & Financial Services Group General & Life Insurance, Astra Jardine CMG Commonwealth Bank Group Life Insurance, Equity Life Insurance, Maskapai Reasuransi Tbk, Hanwha Life Insurance, Heksa Life Insurance, ERA Real Estates, Indosurya Finance, BCA Insurance Group.

He is also Honorary Vice Chairman (BoD) of TIOBM (The Institute Of Banking & Finance and Risk Management) & CAFIA (Chartered Actuaries Fellow Industry-Office Association) Benelux UE UK Pacific.

Chief Accountant Information Technology & Director and Quality Control

Mrs. S. Esivanya Hutagalung, BASc., Ak., CIBM., CPBM., WAPERD. is Partner & Chief Accountant Information Technology at RLJ CONSULTING & INSURANCE BANKING HR-BENEFITS INVESTMENT ACTUARIES SERVICES, KKA INDRA CATARYA SITUMEANG & REKAN, and KKA SETIAWAN GUNAWAN & REKAN (Including Reputable Qualified Accountant Modern System Companies as follows: Oracle, Accenture, Hamilton, PWC Software and Others). Esi is Professional Accountant & Private Finance. Esi has experience, capability in the field and profession Actuarial Accounting & Human Capital Benefits for 24 tahun as follows: FIRM JASA AKTUARIA & ACCOUNTING BENEFITS HUMAN CAPITAL pt. RICKY LEONARD AMATSARI RAHMATSYAH REKAN (RLJ ACCOUNTING ACTUARIAL HR CONSULTANTS), RLS Corporate Finance & Data Information Science Technology, FIRMA AKTUARIA ASURANSI AMATSARI LEONARD RAHMATSYAH & REKAN (ALR INSURANCE COMPANIES ACTUARIAL CONSULTANTS):

(1). Accountancy & Applied Finance-Actuarial, (2). Human Capital & Benefits, (3). Information Technology, (4). Investment Management & Mutual Funds

Director & Chief Actuarial Investment Officer (Partner)

Mr. Rahmatsyah Beluky, BASc., Akt., SAB, CFA, FRM, CIBM, CPBM. is Director of Investment Actuarial Marketing & Operational at RLJ CONSULTING & INSURANCE BANKING HR-BENEFITS INVESTMENT ACTUARIES SERVICES. He is Our Investment Actuarial Marketing & Operational Professional. He has 28 years of experience, capability and integrity in Actuarial & Investment as follows: FIRM JASA AKTUARIA & ACCOUNTING BENEFITS HUMAN CAPITAL pt. RICKY LEONARD AMATSARI RAHMATSYAH REKAN (RLJ ACCOUNTING ACTUARIAL HR CONSULTANTS), RLS Corporate Finance & Data Information Science Technology.

Chartered Actuary (Fellow), Appointed Actuary (Company Actuary)

Mr. Budiman Hutahaean, MSc., FSAI., CA., AkP., FLMI. is Experienced Professional and Specialist Insurance, Pension Fund, Financial Reporting and Investment Technology. He is Experienced, Professional & Specialist in Financial & Investment Services Industry, that are:

(1). Insurance, (2). Pension Fund, (3). Actuarial Consultancy Office and Risk Management Platform/Financial Investment Technology/Applied Finance

Management Team

Mrs. Desi Sitaroza, BASc., Akt., SE., CPBM. is Associate Manager Consultant at RLJ CONSULTING & INSURANCE BANKING HR-BENEFITS INVESTMENT ACTUARIES SERVICES. Desi is Professional Actuarial Accounting & Human Capital Benefits Professional. Esi has experience, capability in the field Insurance Banking & HR-Benefits Investment Actuaries and AI Professionals company for 12 tahun.