Ringkasan Produk & Layanan (RIPLAY) Pendanaan Dana Tunai

1. PT INDONESIA FINTOPIA TECHNOLOGY

PT Indonesia Fintopia Technology ("Easycash") is a licensed and OJK-supervised operator of Information Technology-Based Joint Financing Services (LPBBTI), in accordance with OJK Decree No. KEP-49/D.05/2020 dated October 16, 2020. Easycash conducts its business operations in compliance with OJK Regulation No. 40 of 2024 concerning Information Technology-Based Joint Financing Services (LPBBTI).

As an Information Technology-Based Joint Financing Services (LPBBTI) platform licensed and supervised by OJK, Easycash digitally connects Lenders with Borrowers and facilitates the entire funding, disbursement, and repayment process in a secure and transparent manner, and in line with applicable regulations.

For more information, visit: www.easycash.id

2. TYPE OF PRODUCTS AND MAIN FEATURES

The Easycash Cash Funding product is a fund placement service by verified Fund Providers to be distributed to Fund Recipients through the Easycash platform. Through this product, Fund Providers have the opportunity to earn competitive returns with attractive annual interest rates, along with the return of principal and interest paid by Fund Recipients periodically according to the installment schedule. In the fund distribution process, Fund Providers have the flexibility to choose prospective Fund Recipients based on information and credit assessment (credit scoring) conducted by the platform for each prospective Fund Recipient. With this approach, Fund Providers can make more measured and data-based funding decisions, according to their respective preferences and risk profiles. The funding product offered is a Fixed Interest Funding Product, available for new or regular Fund Providers, with the following main features: - Funding Amount per Transaction: a. IDR 1,000,000 - IDR 30,000,000 (for New Fund Providers) b. IDR 1,000,000 - IDR 3,000,000,000 (as per app options for Regular Fund Providers) - Funding Tenor: a. 30 days and 60 days (for New Fund Providers) b. 3, 6, 9, and 12 months (as per app options for Regular Fund Providers) - Estimated Return: a. 8.5% – 20% per annum (as displayed in the app for New Lenders) b. 8.5% – 15.5% per annum (as displayed in the app for Regular Lenders) - Repayment Scheme: Repayment is made gradually through installments from the fund recipient - Tax on Returns: 15% for all Lenders - Service Fee: No service fee charged

3. PRODUCT BENEFITS, FEES AND RISKS

Benefits

The Easycash Cash Funding offers the potential competitive returns through high annual interest rates on the invested funds. These returns are generally more attractive when compared to conventional financial instruments. The platform also provides flexibility for Fund Providers in selecting prospective Fund Recipients, allowing for a more tailored funding experience.

Fees

No registration or administrative fees are charged to Fund Providers.

Income tax deductions are applied automatically in accordance with applicable Indonesian tax regulations.

Risks

This product operates under a floating return scheme and does not provide any guarantees on the return of principal or interest. Fund Providers may incur losses due to changes in market conditions, government policies, or the repayment behavior of Fund Recipients. The risk assessment process for Fund Recipients utilizes digital data, including: Installed applications on the recipient's device, Device information, Digital behavior patterns. Reliance on such data carries a risk of inaccurate assessment, particularly if the data is incomplete, outdated, or misinterpreted by the algorithm. As a result, there is a possibility that funding may be allocated to recipients with a higher-than-expected risk of default.

4. PROCEDURE AND REQUIREMENTS

Download the Easycash app from the Play Store or App Store and register on the Easycash app.

Enter your mobile number and verify using the OTP.

Go to the "ME" menu → Select "Easycash Lender".

Fill in your personal data.

Complete the facial verification.

Submit your bank account information (the account name must match your ID).

Wait for the verification process from Easycash.

General Requirements for Indonesian Citizens (WNI):

1. Minimum age of 18 and legally competent

2. Possess an NPWP or Tax Identification Number (Optional)

3. Possess a valid e-KTP and active bank account under your own name

4. Complete the KYC (Know Your Customer) process and pass Easycash internal verification

General Requirements for Foreign Citizens (WNA):

Minimum age of 18 and possess a valid passport

Own a bank account in Indonesia under the same name as on the passport (the name must match exactly)

Possess an NPWP (Tax Identification Number)

Complete facial verification

Upload passport and NPWP photos through the system

Complete the KYC process on Easycash app and wait for further confirmation

5. FUNDING SIMULATION

Simulation of 14% Annual Return – 2 Month Tenure (New Lender)*

• Fund Amount :

IDR 10,000,000

• Daily Interest Rate :

14% ÷ 365 days = 0.038%

• Gross Return :

IDR 229,041

• Tax Deduction (15%) :

IDR 34,556

• Net Return

IDR 194,685

• Total Returned Amount:

IDR 10,194,685

Simulation of 9% Annual Return – 30 Day Tenure (Regular Lender)

• Fund Amount :

IDR 10,000,000

• Daily Interest Rate :

9% ÷ 365 days = 0.025%

• Gross Return :

IDR 73,973

• Tax Deduction (15%) :

IDR 11,096

• Net Return

IDR 62,877

• Total Returned Amount:

IDR 10,062,877

Simulation of 14% Annual Return – 2-Month Tenure (10-Day Late Payment)**

Case Study: From the disbursed fund amount of IDR10,000,000, the Borrower is 10 days late in repaying IDR3,000,000 after the due date. The Fund Provider will receive the following return:

• Fund Amount :

IDR 10,000,000

• Period :

2 Months

• Gross Return :

IDR 230,137

• Late Repayment Amount :

IDR 3,000,000

• Late Repayment Period :

10 Days

• Late Repayment Interest :

IDR 11,507

(Late Repayment Amount × 14% / 365 × 10 days)

Thus, the Fund Provider will receive the following total return:

• Principal :

IDR 10,000,000

• Interest for the 60-Day Tenure :

IDR 230,137

• Late Repayment Interest (10 days on IDR3,000,000) :

IDR 11,507

• Gross Income :

IDR 10,241,644

• Tax Deduction (15%) :

IDR 36,247

• Total Returned Amount :

IDR 10,205,397

Note: *Return calculation formula: Fund × Annual Interest ÷ 365 days × Tenure **This simulation is subject to change at any time according to prevailing regulations.

6. ADDITIONAL INFORMATION

Disclaimer (Important to read):

• The information contained in this General Product Disclosure (RIPLAY Umum) reflects the most current terms and conditions until a newer version is issued. Easycash reserves the right to modify the information contained in this document at any time.

• This RIPLAY Umum is provided solely for reference purposes to explain the cash funding product. It does not constitute, and is not intended to constitute, a binding loan agreement.

• Users are required to read this RIPLAY Umum carefully and have the right to contact Easycash at any time for further clarification.

• Easycash reserves the right to reject a User's cash funding application if it does not meet the applicable requiements and regulations.

• All information in this RIPLAY Umum has been prepared in accordance with relevant laws and regulations, including but not limited to:

1. OJK Regulation No. 40 of 2024 concerning Information Technology-Based Joint Financing Services;
2. OJK Regulation No. 22 of 2023 concerning Consumer and Community Protection in the Financial Services Sector;
3. OJK Circular Letter No. 19/SEOJK.06/2023 concerning the Implementation of information; Technology-Based Joint Financing Services;
4. OJK Circular Letter No. 12/SEOJK.07/2014 concerning Disclosure of Information in the Marketing of Financial Products and/or Services.

7. PRODUCT AND SERVICE COMPLAINTS

Via Phone Service For inquiries and complaints related to funding or loans, available from Monday to Sunday: Hours: 09:00 AM – 06:00 PM (WIB) Phone: 1500866

Via E-mail Send your funding service related complaint to: cs.lender@easycash.id Availability: Monday to Sunday, 09:00 AM – 06:00 PM (WIB)

Via Live Chat Use the live chat feature available within the Easycash application. Availability: Monday to Sunday, 09:00 AM – 06:00 PM (WIB)

Via WhatsApp Contact our service team via WhatsApp at: +62 811 4150 0866 Availability: Monday to Sunday, 09:00 AM – 06:00 PM (WIB)

Operational Office PT Indonesia Fintopia Technology Dea Tower 2, 18th–20th Floors, Mega Kuningan Area Jl. Mega Kuningan Barat Kav. E4 No: 1–2 Kuningan Timur Village/Sub-district, Setiabudi District South Jakarta Administrative City, DKI Jakarta Province, 12950

Download the App

As a licensed and OJK-supervised Information Technology-Based Joint Funding Service. Easycash connects Lenders and Borrowers through an online platform.

DEA TOWER 2 18-20 FLOOR MEGA KUNINGAN AREA

JL. MEGA KUNINGAN BARAT KAV. E4 NO. 1-2, Desa/Kelurahan Kuningan Timur,

Kec. Setiabudi, Kota Adm. Jakarta Selatan, Provinsi DKl Jakarta, Kode Pos: 12950

081141500866

Monday-Sunday (08:00-20:00)

1500866

Borrower: cs.pinjaman@easycash.id

Lender: cs.lender@easycash.id

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ATTENTION

PT Indonesia Fintopia Technology provides peer-to-peer (P2P) lending platform service under the name “Easycash”. Easycash is licensed and supervised by The Financial Services Authority as an Information Technology-Based Co-Funding Service in accordance with the provisions in The Financial Services Authority Regulation No. 10/POJK.05/2022.

Easycash’s Information Technology-Based Co-Funding Service (“Easycash Service”) is a civil agreement between the Lender and the Borrower, so that all forms of risk and legal consequences arising from it are fully borne by each party. Please ensure you understand the risks associated before you use Easycash Service.

The Lender is fully responsible for all funding risks of late or default payments arising out of the use of Easycash Service. No national entity or authority is responsible for any such risks or provides compensation for the losses or other consequences arising in connection with this matter in any form.

Easycash, with the approval of the respective Users (both Lender and Borrower), may access, acquire, store, administer and/or use the Users' personal data and information ("Data Utilization") on the Users' electronic devices (including smartphones or cellular phones), hardware, software, electronic documents, applications or electronic systems owned by the Users or controlled by the Users, by notifying the purpose, limitations and mechanisms of the data utilization to the Users concerned before obtaining such approval.

Lenders who do not have sufficient knowledge and experience in the Information Technology-Based Co-Funding Service are not advised to use this Easycash Service.

Borrowers should carefully consider the loan interest rate along with other costs in accordance with the ability to pay off the loan prior to using Easycash.

All fraudulent activities will be recorded digitally in cyberspace and may potentially be informed to the public through social media and can be used as legal evidence according to the prevailing laws on electronic information and transactions in the event of dispute resolution and law enforcement.

Users should read and understand this information before becoming a Lender or a Borrower on Easycash. The Users' decision to use Easycash Services proves that the Users fully understand this information.

The Financial Services Authority is not responsible for any violation or non-compliance by the User (either the Lender or the Borrower), whether due to the User's faults or negligence of the laws and regulations or agreements between Easycash and the Lender and/or the Borrower.