WHO WE ARE

We are a secured payment solution provider who build connections between merchants and our financial institution partners to help them grow together with an integrated and simplified shopping experiences for end-consumers.

VisionTo be the trustworthy payment solution partner for all in enabling cashless society in Indonesia.

MissionTo enable our customers to sell more and grow their business by providing an integrated and simplified end-consumer shopping experiences using our shared payment platform and connections with our strategic financial institution partners.

1

OUR COVERAGE AREA

We provide payment services to 379 locations throughout Indonesia, operate on a 24-hour and 365 days throughout of the year. Our customer and partners can therefore count on the efficiency of our services and reliability of their payment networks.

*) 170 On Site Cities and 209 Off Sites Cities

59 379ServicePoints Covering

Citiesin Indonesia*

2

WE ARE LED BY Experienced Management Team

Novi TandjungCommercial & Product Director

15 years of experience,previous key positions:

• Microsoft Indonesia

Priscilla KayoHR & Financial Controller

Director

30 years of experience, previous key positions:

• Accenture• Makindo Securities• Madani Securities

Wendy SutantoOperations Director

12 years of experience, previous key positions:

• Link Net• Citigroup

Hery AtmadjaTechnology Director

25 years of experience, previous key positions:

• Infinity Solutions• Hutchison CP• Accenture

Thomas HustedPresident Director

17 years of experience,previous key positions:

• PT Delta Dunia Makmur, CFO• Bank Danamon• CitigroupJulianto Sidarto

Senior Advisor

26 years of experience, previous key positions:

• President Director of Accenture Indonesia

Arleen WiryoCorp. Finance & Data Analytics

12 years of experience, previous key positions:

• Saratoga Capital• Hexaware Technologies

Gunawan SantosoSVP IT Infrastructure

18 years of experience, previous key positions:

• BTPN• GE Money• ANZ

Thomas Tarpin-LyonnetR&D Director

16 years of experience, previous key positions:

• DominoPos• HPS• Welcome Real-Time

Kartuku’s senior management team HAS significant and broad industry experience

3

our Board of CommissionerS

Niki LuhurPresident Commissioner

• Founder• B.A. Magna Cum Laude from

Tufts University• Endeavor Entrepreneur• Chairman of Indonesian Fintech

Association

Carl PascarellaCommissioner

• Currently: TPG Executive Advisor

• Former CEO, VISA USA• Former CEO, Visa Asia-Pacific

Ting Tu YanCommissioner

• Winter Group, Hapag-Lloyd• B.S. Columbia University

Tommy TheoCommissioner

• Executive Director, Northstar Group

• Investment banker at Citigroup in Singapore and Perella Winberg Partners in New York

our boc backgrounds CAME FROM Association of Fintech Indonesia, ELECTRONIC PAYMENT PRINCIPAL AND international banker

4

WE BUILD A UNIFIED CASHLESS ECOSYSTEM

400 Thousands

500 Thousands

22 Millions

5 Millions

10 Millions

26 Millions

3 Millions

16 Millions

42 Millions

1 Millions

20 Millions

6 Millions

9 Millions

NUMBER OF POTENTIAL CASHLESS USERS merchants

total: 160 millions usersand more financial institutions are joining...

and many more...

5

what we are trying to solve

1

32

4

PAYING UNNECESARRY MDR FEE

MANUAL REPORT & RECONCILIATION

MULTIPLEUNITEGRATEDEDCs & POS

SALES &PROMOTIONAL ISSUES

• Un-optimized MDR fee distribution• High off-us MDR fee• Multiple EDCs at cashier• Multiple bank accounts

• Manual reconciliation for unbalanced transaction

• Prone to fraud and human errors (different format / cut-off time)

• Additional work load and operational pain• Ineffective and coslty resource

• Inefficient Process• Different SOPs and Call Centers• Manual entry to EDC and POS• Prone to fraud and human errors

• Can not accept all types of electronic payment method

• Can not accept all types of promotion program• Manual validation on T&C for promotion

processing• Unable to measure promotion effectiveness

Kartuku has grown and evolved over time to capitalize on the

increasingly complex payments market

PAYMENT PAIN POINTS FOR MERCHANTS TO GROW EFFICIENTLY AND AGGRESIVELY

6

HOW WE CAN HELP OUR CUSTOMER

• Deal only with Kartuku and connect to 160 millions of cashless users in Indonesia.

• Leverage Kartuku partners (Bank/e-Money Institutions) and connect to various marketing and loyalty programs providers.

• Get instant referral from customers that encounter wow shopping experience effect.

• Unify multiple payment terminals to 1 device, to simplify operation with only 1 SOP and MDR fee distribution.

• Ease store cashier process with POS Integration and automated customer shopping programs.

• More visibility with online reporting and increase productivity with simplified reconciliation.

• Provide flexibility for customers by accepting multiple payment methods (Debit/Credit Cards, e-Money, PayByQR and more).

• Provide convinience for customers with multiple and automated shopping programs in single transaction.

• Improve the quality of service by serving the Fast, Precise and Secured transactions.

Unified Payment is a smart system that can optimize efficiency and effectiveness of merchant’s payment process by having one single EDC instead of having multiple EDCs from many Banks or e-Money Institutions. It supports any

kind of payment methods and promotional platforms.

WIN MORECUSTOMERS & SALES

IMPROVE OPERATIONAL &

COST SAVING

DELIVER BETTER SERVICE & CUSTOMER

EXPERIENCE

our hero product, unified payment, can help merchant by offering THE FOLLOWING values:

7

HOW WE CAN HELP OUR PARTNERS

• No CAPEX• Variable OPEX - ”pay as you go”

• Leverage existing Unified Payment merchant network

• Faster time to market

• Single platform to automate consumer shopping programs with e-voucher, installment, and promo server.

Unified Payment is a smart system that can optimize card and e-money transaction process in a simplest & secure way by implementing one shared single EDC terminal for multiple acquiring and issuing parties. It can accept any

kind of payment/promo methods and support reporting service, POS integration and simplified reconciliation.

LOWER COSTOF OWNERSHIP

RAPID FOOTPRINT EXPANSION

BUILT-IN PROMOTOOLS

UNIFIED PAYMENT CAN ALSO HELP OUR PARTNERS, WHICH ARE BANKS AND OTHER FINANCIAL INSTITUTIONS, BY OFFERING THE FOLLOWING VALUES

8

OUR PRODUCT AND VALUE ADDED SERVICES

unified PAYMENT

merchantsbanks

Value Added Service

Promo tools

Marketing tools

Automated Reconciliation

Value Added Service

Promotion

Type of Customers Type of Customers

Suitable VAS Products Suitable VAS Products

Core Product

TransactionProcessing Service

Installment

Installment

Gift Card

Promo Server

Promo Server

E-voucher

CardLinking

CardLinking

Reporting Service

ECR Link*

9

OUR Core Pillars

Service Excellent Team• 99% Uptime Guarantee• 24/7/365 Network Operations Center• Nationwide Field Services

Best Security Practice• PCI-DSS 3.2 Certified• VISA Registered Service Provider• Secure Data Storage• PBI (Peraturan Bank Indonesia) Compliance• POJK (Peraturan Otoritas Jasa Keuangan) Compliance

Customer Oriented• 24/7/365 Helpdesk• Automatic Reconciliation

Cost Efficiency• Shared Infrastructure• Remote Terminal Estate Management

WE STRIVE TO BE BETTER CONTINUOUSLY ON DELIVERING SERVICES FOR BOTH OUR CUSTOMERS AND PARTNERS

10

Credit Card & Debit Card

e-Money

UNIFIED PAYMENT ACCEPTANCE

Swipe Tap (NFC)

dip (insert) QR Code Scan

contactless One Time Password (OTP)

11

WE ARE TRUSTED BY TOP MERCHANTS

And thousand more..

12

...AND CERTIFIED BY MANY PARTNERS

10Out

of 12

14Out

of 22

Partnered with 10 out of 12 Acquirer Banks

Partnered with 14 out of 22 Issuer Banks

Partnered with top e-Money Institutions

13

Kartu Jakarta Pintar (KJP)Deliver Kartu Jakarta Pintar, the DKI Pemprov program for education subsidy. reach 1 million students and 2 million households. The implementation including Busway, Zoo, Book stores and grocery stores.

Samsat GendongWork with National Police Department to provide SAMSAT Gendong, a mobile police tax payment service for citizens

MicrobusinessWork with 70.000 collecting agents to empower warung , microbusiness to have additional revenue stream by air time top up.

Digital IslandPartnering with Bank DKI and Jakarta’s Governor, Kepulauan Seribu at North of Jakarta implement cashless and implement mini ATM thru EDC.

Pension fundWithdrawal at retailer. Reach 200.000 pensioners across the country and help them withdraw monthly pension fund to their closes merchants.

Government to Consumer Food SubsidyDeliver government food subsidy thru EDC and card based program. Lebaran beef subsidy program reach 500.000 citizens.

Drive A Mobile ElectricityBill PaymentWhere electricity bill agents equipped with mobile EDC to collect household electric bills and cross sell other prepaid products.

TRUSTED PARTNER FOR GOVERNMENTCASHLESS INITIATIVES

14

t. +62 21 2991 5699f. +62 21 5290 3064

PT. MULTI ADIPRAKARSA MANUNGGAL (KARTUKU)Setiabudi 2 Building, 3rd Floor, Suite 302-305Jl. HR Rasuna Said Kav. 62, KuninganJakarta 12920, Indonesia

Call Center Jabodetabek +62 21 2991 5600Outside Jabodetabek 0804 152 7885