Where does Pluang store its user funds?

The cash balance (IDR) on the Pluang wallet is used for purchase transactions of investment products provided by Pluang and is kept in a separate account* at the margin storage bank. Banks depositing margin funds that have cooperated with Pluang are:

• Bank Artha Graha International, Tbk.

• Bank Central Asia, Tbk.

• Commercial Bank, Tbk.

For Bappepti products, Pluang has a separate account that is used specifically to accommodate user funds and is only used for user transactions. All these accounts have been approved by Bappepti and reported routinely on a daily, weekly, and monthly basis. All these accounts are also completely separate from Pluang's operational accounts.

For OJK products (i.e. Mutual Funds), Pluang collaborates with PT Sarana Santosa Sejati which has an APERD permit. As an APERD, the company does not receive user money directly, but all top-up money is directly forwarded to each Custodian Bank that collaborates with the Investment Manager. Users can refer to the Fund Fact Sheet of each Mutual Fund to find out which custodian banking partners collaborate with the Investment Manager.

For Crypto Assets, Pluang collaborates with PT Bumi Santosa Cemerlang which is licensed and supervised by the Financial Services Authority (OJK) as a Physical Trader of Crypto Assets. Pluang has a separate account that is used specifically to hold user funds and is only used for user transactions. All of these accounts have been approved by OJK, and are reported routinely on a daily and monthly basis. All of these accounts are also completely separate from Pluang's operational accounts.

*A Segregated Account is a bank account in the name of a company that is used specifically to accommodate collective funds of all customers and is only used for customer transaction purposes that are separate from the company's operational accounts.