RICKY LEONARD

Board Of Management RLJGROUP INVESTMENT-RLJ ACTUARIES & CONSULTANTS (KKA INDRA CATARYA & REKAN) and KKFIS E-SEN AMATSARI RICKY RACHMATSYAH Associates dan KKA SGR

BIG 4 QUALIFIED INTERNATIONAL UE-UK-PACIFIC ASIA & NATIONAL SPECIALISTS COMPANY/FIRM ACTUARIAL RISK MANAGEMENT PLATFORMS & FINANCIAL ACCOUNTANTS IFRS-INVESTMENT TECHNOLOGISTS FOR:

BANKING INSURANCE ♦ CORPORATION ♦ HEALTHCARE & PENSION ♦ HUMAN CAPITAL & BENEFITS ♦ INVESTMENT & ASSET MANAGEMENT

RLJ & COMPANY-RLJ ACTUARIES & CONSULTANTS (ADDACTIS, E-SEN GREEN13, KKA INDRA CATARYA & REKAN) Established Since 1987 in Jakarta FICA

RLJ & COMPANY

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-Established 2007

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:

1. Accountancy Experienced IFRS/PSAK Banking Finance Investment Actuaries & Insurance Pension Actuaries and HR Specialists Services:

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), SCHiTeCHiNDO Machines Systems Softwares, Employee Stock Option, Impairment Asset, Accountancy Actuarial Others, Commercial Banking Specialist & Quants

2. Banks Actuaries (National Banks Actuaries)

3. Chartered Actuaries

4. Corporate Banking Finance Actuaries

5. Enterprise Financial Risk Management Actuaries

6. Financial Actuaries (Investment & Mutual Funds Actuaries)

7. Human Capital & Benefits Services

8. General & Life Insurance Actuaries

9. Pension & Superannuity Funds Actuaries

10. Programming & Data Information Science Technology 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):

Partner & Managing Consultant and Chief Actuary (CA Fellow)

Mr. Ricky Leonard S. MMF., FSAI., CA., BASc., Akt., CIBM., AkP., QIP., CPBM., WAPERD. is Experienced Actuary CA Fellow and Senior Financial Accountant & Technologist (M&A Corporate Finance Investment Professional & Chief Asset Management Officer CAO/Chief Capital Product Oficer CCO/Chief Business Development Officer CBO), 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 (Post-Graduate: Investment Actuarial (AV, EV, EEV, MCEV) & Asset Management in Insurance Company, with Actuarial Risk Management Platform-Algorithm Financial Modeler Lab-Automation Digital & Software Manufacture)

2. PPM School Of Management (Graduate: Master Of Finance & Financial Insurance Services Office)

3. University Of Indonesia (Under-Graduate: Bachelor of Applied Science in Actuarial Science & Banking Accountant, Double Degree)

#Professional Chartered & Fellowships Qualification:

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

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

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

4. Qualified Insurance Professional-QIP, from Insurance Office Management Institute (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 RLJGROUPINVESTMENT. 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 IOBM (Institute Of Banking & Finance and Actuarial Management) & CAFIA (Chartered Actuaries Fellow Industry-Office Association) Benelux UE UK Pacific.

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).

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.

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.