In accordance with the directives of the Indonesia Financial Services Authority (OJK) on Strengthening Transparency and Risk Management of Information Technology-Based Joint Funding Service Providers (LPBBTI), it is advised to: BE CAREFUL, THIS TRANSACTION CARRIES HIGH RISK. YOU MAY SUFFER LOSSES OR LOSE MONEY. DO NOT BORROW IF YOU DO NOT HAVE THE ABILITY TO REPAY. CAREFULLY CONSIDER ALL ASPECTS BEFORE PROCEEDING WITH THIS TRANSACTION