Sponsored by : Honouring Our Past | Shaping the Future PC2 AC2 PRINCIPALS & AGENTS CONFERENCE 2022 27 - 29 NOVEMBER 2022 (Sunday - Tuesday) PULLMAN BANDUNG, GRAND CENTRAL Jl. Diponegoro No. 27, Bandung.

THE BIGGEST CONFERENCE OF THE YEAR 27 - 29 NOVEMBER 2022 PULLMAN BANDUNG, GRAND CENTRAL

PRINCIPALS & AGENTS CONFERENCE 2022 WELCOME Selamat datang saya ucapkan kepada seluruh principals, managers, team leaders di acara “Principals & Agents Conference 2022”. Kehadiran Bapak / Ibu di acara ini memberikan semangat tersendiri bagi saya dan seluruh corporate team. Waktu berjalan begitu cepat, dan tidak terasa kita sudah berada di penghujung tahun 2022. Sebentar lagi kita akan kembali merayakan Natal dan tahun baru. Sebelum memulai lembaran baru di tahun 2023 mendatang, saya mengajak Bapak / Ibu semua untuk kembali melihat target-target apa saja yang telah dicapai di tahun ini, mere- fleksikan kembali nilai-nilai perusahaan kita, dan akhirnya memberikan kontribusi serta semangat baru untuk perusahaan dalam menyongsong tahun yang akan datang. Tahun 2022 adalah tahun yang sangat menggembirakan untuk kita semua, bahkan untuk seluruh pelaku bisnis di dunia. Di tahun ini perekonomian dunia semakin membaik, seiring dengan semakin baiknya penanggulangan kasus Covid-19 di berbagai negara, termasuk Indonesia yang mendapat pujian dari Menteri Kesehatan Italia, Roberto Speranza, pada acara G20 di Italia. Selain itu, Menteri koordinator Bidang Perekonomian, Airlangga Hartarto, juga mengungkapkan, “Berdasarkan NIKKEI Covid-19 Recovery Index, performa untuk penanganan Covid-19 di Indone- sia menempati urutan 41 dari 121 negara, bahkan terbaik di antara negara-negara ASEAN”. Hingga saat ini pun, pemerintah kita masih terus memberikan berbagai stimulus untuk sektor prop- erti. Diantaranya yaitu program PPN-DTP (Pajak Pertambahan Nilai Ditanggung Pemerintah) yang telah berjalan dari tahun 2021 dan tetap diper- panjang sampai kuartal 3-2022. Di sisi lain, devel- oper juga terus menawarkan program DP 0%, berupa pelonggaran uang muka yang bertujuan untuk mendorong kredit. Selain itu pemerintah juga aktif memberlakukan program skema pem- biayaan rumah di tahun ini, seperti program Fasili- tas Likuiditas Pembiayaan Perumahan (FLPP), pro- gram Kredit Kepemilikan Rumah Subsidi Selisih Bunga (KPR SSB), dan program Bantuan Pem- biayaan Perumahan Berbasis Tabungan (BP2TB). Berdasarkan dari Badan Pusat Statistik (BPS), perekonomian nasional tumbuh impresif pada kuartal kedua 2022, meskipun tengah berada dalam risiko pelemahan ekonomi global akibat inflasi. Di tahun ini tercatat pertumbuhan ekonomi kuartal kedua tahun ini mencapai 5,44 persen secara tahunan, jauh diatas capaian kuartal sebelumnya, yaitu 5,01 persen. Laju inflasi negara sampai saat ini tercatat masih dalam ambang batas normal di angkat 4,75% dan diprediksikan perekonomian Indonesia akan tetap tumbuh sampai dengan 5% di tahun 2023. Sementara itu, sektor properti terus mengalami pertumbuhan kenaikan. Hal ini ditandai dengan pertumbuhan penjualan positif sebesar 15,23 persen (yoy) pada kuartal dua yang didorong oleh membaiknya seluruh penjualan tipe rumah, terutama rumah tipe besar sebesar 29,86 persen (yoy), rumah tipe kecil dan menengah sebesar 14,44 persen (yoy) dan 12,25 persen (yoy). Momentum ini tentu tidak dapat kita lewatkan begitu saja. Dibutuhkan lebih dari sekedar kemampuan beradaptasi yang cepat, namun juga konsistensi dan persistensi untuk terus mewujudkan pelayanan prima bagi setiap customer kita. Di tahun ini konsistensi serta semangat kerja kita semua kembali menghantarkan kita meraih berbagai penghargaan bergengsi sekaligus. Dengan bangga saya ucapkan selamat dan terima kasih kepada seluruh keluarga Ray White atas pencapaiannya di tahun 2022 ini, yang dibuktikan dengan diterimanya penghargaan Top Social Media Award 2022, Digital Marketing Award 2022, Top Franchise Award 2022, Indonesia Best Choice Award 2022, dan Top Brand Award 2022

kategori Broker Properti untuk ke-sepuluh kalinya secara berturut-turut. Sepuluh tahun bukanlah waktu yang singkat. Membangun reputasi yang baik harus dilakukan terus menerus secara konsisten dan membutuhkan waktu yang panjang. Lebih dari 25 tahun berdiri di Indonesia dan 120 tahun di Australasia, sejarah menunjukan pengalaman dan konsistensi perusahaan kita telah berhasil mengantarkan kita sebagai agen properti paling mendominasi di setiap region-nya, sama seperti moto perusahaan kita “To become the most domi- nant agent in every market place we trade”. Why are we in this business? Apakah kehadiran kita membuat dunia menjadi lebih baik? Tanpa kita sadari, kita sebetulnya telah membantu jutaan orang mendapatkan properti impian mereka. Kunci untuk sukses dalam bidang kita adalah kemampuan Anda untuk menjadi komunikator handal dalam setiap pelayanan, serta jiwa yang tulus untuk terus melayani customer kita. Bisnis kita adalah bagaimana cara kita mem- bangun hubungan yang baik dengan klien, bagaimana kita dapat melayani mereka dengan baik, dan pada akhirnya customer kita merasa puas dengan pelayanan kita dan merekomendasikan kita kepada sanak dan saudara. Take care of the relationship and the money will take care of itself. Perhatikanlah hubungan, dan uang akan datang dengan sendirinya. Where’s our growth coming from? Untuk tetap tumbuh dan berkembang semakin baik, dibutuhkan tolak ukur yang menjadi driving force kita untuk terus berkembang dan mencapai target di setiap kesempatan. Customer Satisfaction adalah tolak ukur kita. “Be a yardstick of quality. Some people aren’t used to an environment where excellence is expected”. - Steve Jobs. Steve Jobs selaku pendiri brand Apple mengatakan “Jadilah tolak ukur kualitas. Beberapa orang tidak terbiasa dengan lingkungan dimana diharapkan kualitas kerja yang excellent. Ray White mengerti bahwa customer satisfaction berasal dari customer experience culture. Lebih dari sekedar transaksi, kita membangun bonds dengan pelanggan, menjadikan setiap pros- esnya terasa begitu mudah dan memorable, mem- berikan pelanggan pengalaman dengan service yang baik di setiap kesempatan secara konsisten. Ray White mengerti bahwa pengalaman pelang- gan hanya dapat terwujud apabila seluruh tim terlibat,dan seluruh tim akan dapat terlibat seutuhnya apabila perusahaan memiliki kepemimpinan yang kuat di banyak tingkat. Secara tidak langsung, pengalaman pelanggan kami adalah refleksi dari setiap kualitas kepemimpinan kita. What’s your business reflecting? Kepemimpinan merefleksikan kualitas perusahaan kita. Kebanyakan orang berfikir ketika mereka membuka bisnis, orang datang untuk sekedar bekerja sebagai karyawan. Sementara kenyataannya di real estate, mereka adalah orang-orang independen yang ingin membangun karir mereka sendiri. Salah satu alasan mengapa sampai saat ini mereka bisa bertahan bersama kita adalah karena mereka melihat value yang ada di dalam kita dan perusahaan kita. Semakin kita dapat menanamkan value tersebut, makan kecenderungan seorang karyawan untuk tetap bersama kita akan semakin besar. Setiap dari kita adalah seorang pemimpin, paling tidak pemimpin untuk diri sendiri. “When you become increasingly confident in being a good leader, then you are”. - Brian White. Brian White pernah berkata, “Saat Anda semakin yakin menjadi seorang pemimpin yang baik, maka Anda adalah seorang pemimpin”. Kami mengerti bahwa perubahan adalah sesuatu yang tidak dapat dicegah. Change is Inevitable, Growth is Intentional. Guna terus menyesuaikan dengan zaman, sebagai seorang leader yang baik kita harus bertransfor- masi. Jadilah transformational leaders yang bukan hanya fokus pada perusahaan, namun juga peduli pada kebutuhan mereka yang anda pimpin. Cip- takanlah lingkungan yang sehat dan mendukung tumbuh kembang serta potensi setiap individu yang ada. 25 tahun berkiprah di Indonesia, kita terus meme- gang teguh nilai-nilai kepemimpinan perusahaan, memberikan ruang bagi setiap kepemimpinan di perusahaan kita, dan pada akhirnya menciptakan lingkungan yang dapat memberikan ruang bagi setiap potensi individu yang ada untuk berkembang bersama. Let’s go Further Together! Tak lupa saya ucapkan welcome to the family kepada kantor-kantor yang baru saja melakukan Grand Opening di tahun ini, yaitu Ray White CBD Gading Serpong, Ray White Prioritas Kota Baru Parahyangan, Ray White North West Citraland, Ray White Palembang Mangkunegara dan Ray White Panakkukang Pengayoman. Terima kasih juga saya ucapkan kepada pihak sponsor yang turut mensukseskan acara kita pada hari ini. Terima kasih kepada Sinarmas Land, Summarecon Bogor, BRI, BTN, CIMB Niaga, dan KB Bukopin. Akhir kata saya ucapkan selamat atas pencapaian yang telah kita raih bersama dan selamat mengi- kuti “Principals & Agents Conference 2022”. Semoga kita dapat terus melahirkan pemimp- in-pemimpin transformasional dan meraih potensi yang lebih baik lagi ditahun ini! Terima Kasih! Johann Boyke Nurtanio CEO/ Country Director of Ray White Indonesia

Selamat datang saya ucapkan teruntuk Bapak/Ibu Principals, Leaders, Managers, Team Leaders, dan para Loan Advisers dan Marketing Executive yang hadir pada “Principals & Agents Conference 2022”. Tentunya kehadiran Bapak Ibu merupakan momen yang istimewa, dan memberi kesan tersendiri untuk saya. Acara ini dapat berjalan lancar tidak lepas dari dukungan para partner kami, CIMB Niaga, Summarecon Bogor, Sinarmas, BRI, dan BTN. Kami ucapkan terima kasih atas segala support dan dukungannya. May our partnership continue to grow. Berlangsung di akhir tahun 2022, acara ini menjadi refleksi dan pengingat kita semua akan semua pencapaian yang telah diraih selama setahun terakhir. Tahun ini Loan Market telah menginjak usia ke 5 tahun, namun, perjalanan yang kita tempuh rasanya tidak dapat dipatri dengan angka. Tahun ini menjadi tahun yang menantang untuk kita semua. Di awal tahun kita masih menyesuaikan dengan pemulihan pandemi hingga pertumbuhan ekonomi yang sangat signifikan. Dan akhir-akhir ini kita mendengar mengenai prediksi resesi 2023. Dengan kondisi yg di depan mata opportunity pasti selalu ada tetapi perlu agili- ty for adaptation and resilience. Hal ini terbukti dari gross commission kita yang justru meningkat 32% dari periode Agustus - Oktober tahun 2021 ke tahun ini. Secara nasional, rekap ekonomi tahun 2022 menunjukkan tren yang sangat baik, dengan pertumbuhan yang berada di angka kisaran 5,3%, pada Kuartal III-2022 tumbuh sebesar 5,72% secara tahunan (year on year). Angka yang sangat tinggi ini merupakan implikasi rasa optimistis dari Pemerintahan Indonesia melalui upaya-upaya kebijakan yang mendorong pertumbuhan ekonomi, salah satunya adalah dengan penyaluran kredit. Meskipun BI menaikkan suku bunga acuannya (BI 7 Day Reverse Repo Rate) selama tiga bulan berun- tun hingga Oktober lalu, dengan total 125 basis poin menjadi 4,75%, deposit facility menjadi 4% dan lending facility 5,5%. Lantas, bagaimana dampaknya terhadap kita sebagai pelaku bisnis di sektor properti? Pening- katan suku bunga pada saat ini belum diimple- mentasikan dalam bank-bank yang sudah kerja sama. Bahkan mereka pada akhir tahun ini berlom- ba2 memberikan promo dan menggunakan rate sangat kompetitif. Artinya, terdapat windows of opportunities bagi Bapak/Ibu untuk menawarkan peluang ini dengan gencar. Dengan pertumbuhan penjualan properti sebesar 14% di kuartal III 2022, nilai properti akan terus meningkat seiring berjalannya waktu. Hence, now is the right time to buy a property! Perubahan yang saat ini terus terjadi, baik dari eksternal maupun internal ini, membuat saya sadar akan sesuatu. Change is always constant, then a question arises, are you agile enough to adapt to change? Tetapi saya sangat bangga dengan semangat Bapak/Ibu sekalian untuk tetap menorehkan hasil yang terbaik. Semangat Bapak/Ibu menjadi highlight tahun 2022 yang dapat saya petik. Loan Market menjadi seperti sekarang bukan hanya karena pencapaian penghargaan, maupun pencapaian target statistik. Solidaritas, semangat dan kerja keras Bapak/Ibu lah yang membentuk Loan Market. Para Loan Advisers, Leaders, Principals, Corporate team. Loan Market is all about the people, it’s all about you. PRINCIPALS & AGENTS CONFERENCE 2022 WELCOME

Sari Dewi Chief Executive Officer of Loan Market in Indonesia Keinginan untuk selalu memberikan yang terbaik dan tetap bersatu untuk mendukung satu sama lain menghantarkan Loan Market yang hanya memiliki kurang dari 5 kantor cabang dengan kurang lebih 50 loan advisers, menjadi 22 kantor cabang dan lebih dari 200 loan advisers dalam waktu 5 tahun! Look how far we’ve come, and we did all that together. Dengan memprioritaskan FAIR values, yang terdiri dari Family, Ambitions, Integrity, dan Responsibility, Loan Market selalu bahu membahu untuk menjadi solusi bagi masalah finansial. Family comes first dan people-first culture menjadi nilai utama kami, untuk selalu menjadi perusahaan yang dekat dengan nilai-nilai kekeluargaan. Ambition, kami selalu memiliki ambisi yang besar untuk membantu masyarakat dengan kegigihan dan ketekunan. Integrity, kejujuran menjadi pondasi berdirinya Loan Market, dimana kejujuran akan selalu terimplementasi dengan baik dalam mekanisme kami. Responsibility, kami selalu mengusahakan yang terbaik dengan bertanggung jawab atas pekerjaan kami. Values yang menyatukan kita membuat Loan Market menjadi perusahan financial aggregator yang memberikan layanan terbaik bagi customer. Memberikan solusi dan menjalin hubungan yang baik dengan customer. Dengan itu, kami dapat memberikan solusi dari tantangan finansial yg di hadapi customer yang sesuai dengan karakter dan keinginannya. Tidak hanya people-centric, kami juga selalu berinovasi agar tetap menjadi relevan di dunia bisnis yang terus berganti. Karena itu, Loan Market ingin memperhitungkan dan memaksimalkan penggunaan teknologi untuk memenuhi kebutuhan di era digital saat ini dan juga masa yang akan datang. Kami menyadari pentingnya teknologi digital dan secara terus menerus mengupayakan pembangunan sistem digital CRM (Customer Relationship Management) dengan membangun aplikasi MyCRM, yang memudahkan dan mempercepat proses pengajuan pinjaman secara online, tanpa perlu bertatap muka. Sistem MyCRM melengkapi Loan Advisers untuk melakukan bisnisnya sehari-hari serta membantu mendorong efektivitas kinerja Loan Advisers. Sistem ini juga diharapkan dapat membantu Loan Advisers untuk membuat keputusan terbaik atas aplikasi pinjaman yang baru masuk maupun yang tengah berjalan. Loan Market Group menjadi brokerage firm nomor satu di Australasia, dengan milestone terbaru yaitu financial year 2022 yang mencapai Rp1.000 Triliun! Dan dengan populasi yang berkontribusi hanya 10%, yaitu 27 juta dari Indonesia dan 4 juta dari New Zealand, dapat mencapai Rp 300 Triliun. Saya yakin, dengan semangat Bapak/Ibu yang terus konsisten, values yang terus di implementasikan, dan keinginan untuk beradaptasi menjadi lebih baik, we have the biggest potential to grow exponentially. Saya menyaksikan perkembangan Loan Market di Indonesia selama 5 tahun ini. Dan satu hal yang saya yakin, ketika Bapak/Ibu menuangkan passion pada pekerjaan, you can do so much more. Saya harap dengan menghadirkan Principals & Agents Conference 2022 ini, kita dapat ‘recharge’ untuk kembali melihat potensi yang dimiliki. Ketika potensi tersebut sudah ditemukan, seluruh rintangan yang menanti di depan akan mudah ditepis. Kita sudah berhasil membentuk Loan Market seperti saat ini. Saya sangat ingin menyaksikan perkembangan Bapak/Ibu bersama Loan Market di tahun mendatang. Melalui semangat, solidaritas, dan keinginan untuk memberikan yang terbaik, we can own our tomorrow. All of us, together. Sekali lagi saya ucapkan selamat mengikuti “Principals & Agents Conference 2022”. Semoga kita semua dapat mengevaluasi segala prestasi dan rintangan selama 2022, untuk mempersiapkan diri menyambut 2023 dengan segala pembaruan dan rintangannya. Terima Kasih!

27 NOVEMBER 2022 SUNDAY PROGRAM DAY 1 - Principals Conference 2022 TIME SESSION ROOM TIME SESSION ROOM 1.15pm 1.30pm 1.40pm 1.50pm 2.00pm 3.30pm 3.45pm 5.15pm 7.00pm Jasmine Jasmine Jasmine Jasmine Jasmine Jasmine Jasmine Jasmine Hotel Registration Calendar of Events by Levina Opening Remarks by Johann Boyke Nurtanio Opening Remarks by Sari Dewi Leadership and Innovation to shape the future: Workshop by Bayu Pradiya Afternoon Tea Leadership and Innovation to shape the future: Workshop by Bayu Pradiya Harvard Leadership Study Group Discussion Dinner 28 NOVEMBER 2022 MONDAY PROGRAM DAY 2 - Principals Conference 2022 8.30am 8.40am 9.25am 10.10am 10.30am Jasmine Jasmine Jasmine Jasmine Jasmine Welcome by MC Harvard Leadership Academy Experience: Empowering Employees to Deliver Superior Customer Service Case Study: Oberoi Hotels - Train Whistle in the Tiger Reserve Presentation by Erwin Karya Harvard Leadership Academy Experience: Producing, Collaborating, Managing and Leading Case Study: Doing Deals and Leading Teams at XAF Partners Presentation by Johann Boyke Nurtanio Morning Tea How Loan Market Can Support Your Business Panel of discussion with Tjipto Kaharudin (Principal of Loan Market CBD Surabaya), Kiyoko Tri Safitri (Principal of Loan Market Adam Malik) and Christina Meliana Jahja (Leader Loan Market Alam Sutera) Moderator: Sari Dewi

TIME SESSION ROOM 10.50am 12.00pm 12.10pm 12.30pm 1.30pm 1.40pm 2.00pm 2.20pm 2.40pm 3.00pm 3.20pm 3.40pm 4.00pm 4.20pm 4.40pm 5.05pm Jasmine Jasmine Hotel Hotel Jasmine Jasmine Jasmine Jasmine Jasmine Jasmine Jasmine Jasmine Jasmine Jasmine Jasmine Jasmine KAIZEN™ is recognized worldwide as an important pillar of an organization’s long-term competitive strategy. Since introducing this term as a systematic approach for business improvement, companies that implement KAIZEN™ have continually yielded superior results. Presentation by Sari Dewi Business Plan by Sarii Dewi Photo Session Lunch 10 Min Tech Replacing yourself? Qualities to look for in a team CEO. When finding someone to take over as team leader, the search might take a while — the stakes are higher. Here are the traits a worthy candidate should have Presentation by Johann B. Nurtanio Want to unlock your team's potential? Start with performance coaching. Now that teams have rebuilt and pivoted in this new normal, it's time to focus on boosting results and tapping into every member's unused potential. Presentation by Johann B. Nurtanio Ray White 2023 Campaign by Astrid TZ How to Recruit Top Teammates These days, there are a lot of great companies looking for top-notch talent, which means you have to get competitive with the value you provide candidates Presentation by Irawan The key to talent retention? Growing your intrapreneurs Instead of having a revolving door of agents, fill your business with intrapreneurs who are committed to and invested in your vision. Presentation by Irawan Afternoon Tea Up Close and Personal with One System App by Yohannes Siregar Time-management rules elite real estate teams must master. Elite real estate pros consistently integrate these effective time-management hacks into their daily lives Presentation by Erwin Karya 10 Must-dos To Get More Leads from Google. Presentation by Astrid Secrets to Retaining Your Truly Talented Agents. Retaining truly talented team members is a competency all leaders need to master to grow and thrive in our ever-competitive environment. Panel of discussion with Alfia Rahmania (Principal of Ray White Emerald Avenue Bintaro) & Firman Santoso (Principal of Ray White Kebayoran Senopati) Moderator: Erwin Karya (Principal of Ray White Project, Commercial & Cikarang) Essential Management Responsibilities Team Leaders Must Master. Leadership is nothing if it doesn't provide a managerial framework, and management has little help without the vision of leadership. Here are a handful of management responsibilities team leaders need to own as we head into a new year. Panel of discussion with Nataliya (Principal of Ray White Kemang Premier) & Herry Tan (Principal of Ray White Summarecon Bekasi) Moderator: Turky J. Bugri (Manager of Ray White Senayan)

PROGRAM DAY 2 - LOAN MARKET BREAKOUT SESSION TIME SESSION ROOM 2.00pm 4.30pm Luwak Luwak SOP Discussion PKS Developer dan Prosesnya Panel of discussion with Kiyoko Tri Safitri dan Christina Meliana Jahja Moderator : Ibu Sari Dewi TIME SESSION ROOM 29 NOVEMBER 2022 TUESDAY PROGRAM DAY 3 - Principals and Agents Conference 2022 | FULL DAY 8.30am 9.00am 9.20am 9.30am 9.40am 10.00am 10.20am 10.40am 11.00am 11.25am Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 Registration Up Close and Personal with One System App and Be Seen by Yohannes Siregar Opening Remarks by Johann Boyke Nurtanio Opening Remarks by Sari Dewi Which Social Media Platform is for You? Panel of Discussion with Mitha (Marketing Executive of Ray White Summarecon Bekasi), Herry Tan (Principal of Ray White Summarecon Bekasi), Aldila Aspon (Manager of Ray White CBD Jakarta), Remsey Dharma Gita (Marketing Executive of Ray White Prioritas Sutami) Moderator: Levina & Astrid TZ How to Create a Winning 2022 Business Plan. Set yourself up for long term success by creating a business plan and executing it. Presentation by Abby Morning Tea Presentation by Wahyu Yohanes Sianturi - Agent Property Relation of BTN Steps for Thriving Through a Market Shift. What can real estate agents do to grow their businesses? Here is step by step plan for thriving through a market transition Presentation by Levina Panel of Discussion with Yadi (Marketing Executive Ray White Menteng) & Yuliani (Marketing Executive Ray White Summarecon Bekasi) Moderator: Trisna Yani Making Sense of the Market by Erwin Karya Change is coming and the market is turning. Listen in on a presentation that gives us the scoop on what to expect in 2023

TIME SESSION ROOM 11.40am 12.00am 12.10pm Ballroom 3 Ballroom 3 Hotel Communicate Your Value Prop. Justify Your Commission Will you lower your commission? Do I really need a real estate agent? Find out the most diplomatic and convincing responses to these and a number of other cringe-worthy statements that get thrown at you day after day. Presentation by Aldila Aspon (Manager of Ray White CBD Jakarta) Action by Sari Dewi Lunch TIME SESSION ROOM PROGRAM DAY 3 - Principals and Agents Conference 2022 | HALF DAY MC : Levina 12.40pm 1.00pm 1.10pm 1.30pm 1.55pm 2.15pm 2.40pm Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 Ballroom 3 DJ Performance Registration Introducing our Brand New Apartments” The Elements and Southgate Apartment”. Located in the heart of the central business district, The Elements compliment your apartment with the best city view and luxurious atmosphere, semi furnished and ready to occupy. Superblock apartment, located in Simatupang, North Jakarta “The Southgate Apartment” only takes you one step away from the AEON Mall to complete your urban living lifestyle. Presentation by Melanie Winarti – Sales Marketing Department Head of Sinarmas Land Economic Outlook: Economic Issues & Trends. Current conditions in the economy and the forecast. Trends that are impacting our business including access to mortgage credit, supply constraints, rising mortgage rates and first time buyers. Discussion about changes in housing finance, the market and the economy. Presentation by Dr. Ir. Anton Hendranata, Chief Economist of BRI Presentation by Madya Januar - Department Head Consumer Lending Sales & Development Divison of BRI With KPR BRI, Everything is Easier! KPR BRI offers you a way out! easier application with competitive interest rates, BRI makes it simpler for you to achieve target. Skills That are Hard to Learn But Will Pay Off Forever. What are the skills you need to develop now that will lead to your dream business in the future? The more you improve yourself, the more your business will improve Panel of discussion with Aldila Aspon (Manager of Ray White CBD Jakarta) & Tjipto Kaharudin (Manager of Ray White CBD Surabaya) Moderator: Erwin Karya (Principal of Ray White Project, Commercial & Cikarang) Property Always Shine Amidst the pandemic recovery, buying a property might need a lot of reconsideration, especially for first time buyer. Questions such as, is it safe to buy a property now? Should I wait for a better offer? CIMB Niaga believes that Property Always Shine, and therefore, we're here to offer you competitive deals! Presentation by Tauviq Rahardjo – Mortgage Channeling Acquisition Head CIMB NIAGA of CIMB Niaga

TIME SESSION ROOM 3.00pm 3.20pm 3.40pm Ballroom 3 Ballroom 3 Ballroom 3 Afternoon tea with DJ Performance (2 last song : Dynamite & Dreamer) Presentation by Hendar Dwi Warsono – Secured & Personal Loan Department head of KB Bukopin It’s Not Over. This is Your Time. The challenges and the issue of recession are not the ends, but this is the time to find the right strategy and mindset to support growth in the business and achieve sales targets. Presentation by Haryanto Kandani

CREDENTIAL HONOURING OUR PAST | SHAPING THE FUTURE Sari Dewi Chief Executive Officer of Loan Market in Indonesia With more than 20 years of experience in the Real Estate industry, Sari Dewi is now the Chief Executive Officer (CEO) of Loan Market in Indonesia. Loan Market is a financial aggregator which helps people in need for their financial problems. Sari Dewi strongly believes in the value of FAIR, which she brought to the team as our most enjoyable culture. FAIR values which consists of Family, Ambition, Integrity and Responsibility means family comes first and people-first culture act as our main value. We always have big ambitions to help society with tenacity and perseverance. Integrity means honesty is the foundation of Loan Market, where honesty will always be implemented properly in our mechanism. Lastly, we always try our best to be responsible for our work. She has been laser sharp focus in reaching her goals and her ambition leads Loan Market to walk through the path of success. In the fifth year of Loan Market in Indonesia, Sari Dewi along with the team managed to open 22 office branches, with 200 Loan Advisers on board, and 35 prestigious lenders partners. She looks forward in always developing Loan Market while also keeping the company grounded to its core values. Through Loan Market, she wants to objectify her vision: to be the most trusted independent brand in helping you to find the best loans.

CREDENTIAL HONOURING OUR PAST | SHAPING THE FUTURE The committees help to foster cooperation and develop a balanced and synergistic harmony, aimed at creating a healthy business climate and dynamic to encourage equal opportunities to the widest possible for business Indonesia to participate and conduct national and regional development in the economic field with based on regional strengths, business sector, and foreign relations country. Johann successfully developed Ray White network in Indonesia. Since it’s commencement in 1997 with 6 offices, the group has experienced rapid growth more than 175offices. The network is widely spread over 16 provinces and 25 major cities throughout Indonesia. Under Johann leadership, the network has become the market leader in Indonesia and awarded Top Brand (2013 - 2021), Corporate Image Award (2012 - 2020), Franchise & Business Opportunity Market Leader Award (2014 - 2018), Top Property Award (2017 – 2019), Franchise Top of Mind Award (2017), Top Franchise (2018 – 2019), and Indonesia Franchise of the Year (2014 - 2019), Top Product Property (2017 - 2019). Johann B. Nurtanio Country Director of Ray White (Indonesia) During his study in Australia, Johann started his interest in real estate. His natural capability and skill backed up by formal training in the field, enable him to satisfy the client need in real estate requirements. Johann, the Country Director of Ray White Indonesia, has had extensive experience in real estate for nearly 3 decades and had been contributing his experience in Indonesian Chamber of Commerce and Industry as a vice-chairman property service committee.

SPEAKERS

SPEAKERS Bayu Pradiya Learning Facilitator Dr. Ir. Anton Hendranata Chief Executive BRI Anton Hendranata is the Chief Economist of Bank Rakyat Indonesia and Director of the BRI Research Institute. Anton earned his Doctor of Economics from the Graduate Program of the Faculty of Economics, University of Indonesia in 2007, with a 3.89 GPA. With his extensive knowledge, he provides macroeconomic analysis and predicts important macroeconomic variables. He often gives economic analysis in television interviews and writes in well-known newspapers (more than 50 articles), such as: Kompas, Bisnis Indonesia, Republika, Kontan, Tempo, Investor Daily, The Jakarta Post, and others. Haryanto Kandani Achievement Motivator, Personal Coach & Author of 4 Best Seller Book With more than ten years of experience becoming an achievement motivator, he helps hundred of thousands of people from various corporate companies, whether national companies, multinational companies, or state-owned enterprises. He is a motivator and also a practitioner in the business field. His focus is on Marketing target achievement, increase productivity, and leadership. Bayu is a training professional skilled as a Trainer, Coach and Facilitator. He specialises in Communication and Presentation Skills, Emotional Intelligence, Personal Effectiveness, Leadership and Management, Problem Solving and Decision Making and Sales and Sales Management. Since working as an English Teacher, he has held several key positions working in IT & Technologies, Media, Education, Export, Hospitality. His passion is in developing other to be the best they can be. He has worked in commercial training for over 10 years and has worked across a wide variety of sectors, including banking, technologies, education, automotive and finance. He works with many well-known organisations such as Coca Cola, Mercedez Benz, Unilever, Nestle and BASF and is able to share the best practices across industries as part of his offering. Bayu brings with him a natural energy and provides insightful training with a faciliitative style. He has room presence and connects with participants to engage and transform their learning. Bayu brings a stimulating and varied approach with the ability to impact business through practical training that inspires great results. Bayu Holds is a qualified coach and certified facilitator. He delivers training in English and Bahasa Indonesian.

SPEAKERS Aldila Aspon Manager of Ray White CBD Jakarta Aldila started her career as an Office Manager in the ASAHI SHIMBUN, Japanese Newspaper since 2004. In October 2010 she then joined PT. ANUGRAH CIPTA GLOBAL, International Freight Forwaring as a HR Manager for 2 years. Then, she joined Ray White CBD Residential as Marketing Executives from July 2012-2014, but her passion for property leads her to a better career. Since 2015 until now she's a Marketing Manager in Ray White CBD Jakarta. Some of her achievements are: Premier Elite Performer - 2017 - 2020 Gold Elite Performer - 2014 & 2016 Allan White Performer - 2013 and 2021 Her Vision: Focus and generate in seeing Ray White CBD Jakarta become Market Leader at CBD Area with excellent service Her Motto: Achieving her dreams with persistence and consistency Alfia Rahmaniar Principal of Ray White Emerald Avenue Bintaro & Ray White Bintaro Trade Center The Principal of Ray White Emerald Avenue Bintaro and Ray White Bintaro Trade Center, Alfia Rahmaniar or more commonly called as Niar, joined Ray White in 2005. Prior to that, Niar worked as a reporter for ten years in Nikkei Shimbun, however the alumni of IPB Bogor decided to leave her profession in journalism in 2002 to focus on taking care of her children. Few years after her resignation, she finally decided to join Ray White Bintaro Jaya III as a Marketing Executive. Her perseverance, strong will, and hard work paid off as she achieved the title of Alan White Elite Performer in 2014, Alan White Gold Member 2015, Alan White Elite Premier Member in 2016, EPC Premier Member in 2017, EPC Gold Member in 2018, and Principal of Ray White Bintaro Trade Center in 2019, and also became one of the best Marketing Executive within our family. Since 2020 during the pandemic of covid 19 until these days, she successfully managed two of her own offices. Her vision now is to become the best Principal running one of the best businesses in Bintaro area.

Erwin Karya Director of Ray White Projects, Commercial & Cikarang Right after his MBA graduation, Erwin started his real estate career in Ray White, the largest real estate agent in Australasia. His journey in real estate begins as a realtor in one of Ray White's offices in Jakarta and then was briefly promoted to a Manager with the main responsibility to establish and leading the Project Marketing team. During the 6 years of his career as a realtor in the Ray White group, Erwin has won various awards. Some of his proud moments were when Erwin was awarded as one of the best marketer in the Top 15 Marketing Executives (Nationwide category) and consistently selected to join the “Elite Performers Club”, which are the most prestigious awards that a marketer can achieve in the Ray White Group. Erwin moved to the corporate ladder in 2010, acting as Head of Business Development to develop the existing Ray White network and to acquire new franchisees. Since 2013 Erwin has been appointed as Director to lead a specialized Projects & Commercial team and work closely with various institutions, mainly Banks, corporations, and property developers in Indonesia and abroad. As an active property practitioner and supported by his strong knowledge of the property industry in Indonesia and many countries, Erwin is often invited to represent Ray White to share property market trends in many property forums. He also regularly becomes a news source and interviewed by different property & business magazines such as Property Indonesia, Property in The City, Tabloid Kontan, Info Apartemen, Indonesia Housing, and several property portals. In his downtime when he’s not networking or making new deals, Erwin enjoys documentary films, hiking mountain hidden trails, and scuba diving. Firman Santoso Prinicipal of Ray White Kebayoran Senopati Previously worked in the architect, contractor, and Waterfront-Marina industry. Firman’s career in real estate began in 1997 at Ray White Project Marketing and later at Ray White Indonesia Corporate Office. Later in 1999, he became a franchisee of Ray White Kebayoran Senopati. His academic background in architecture and master's in Urban Planning & Real Estate Development, greatly support his career as a real estate consultant. Born and bred in Kebayoran Baru, Firman developed an interest in the area’s development and problems. He is actively studying and involved in various Kebayoran Baru’s urban planning and property matters. His interest in the development and history of this era, made him write several scientific writings about it. Currently, he is also a Guest Lecturer in a Master's Degree Program in Urban Planning and Real estate Development at a prominent university in Jakarta. Besides that, he is also active in the maritime industry. The knowledge, strategies and network he found in both the academic and maritime world. Implemented by him to his team in Ray White Kebayoran Senopati to broaden the view of the team with angles and inputs from outside the Real Estate Brokerage world. Moreover to enhance the Team’s culture and strategies, so they can build a high social capital, not only economic capital with all the stakeholders of the property industry in their market area.

Herry Tan Principal of Ray White Summarecon Bekasi Herry Tan, born in Mempawah, West Kalimantan, is the youngest principal who received one of the most prestigious awards in the real estate industry, the CEO Cup of Ray White Annual Awards 2017. When he was younger, he had to withdraw from his studies due to his financial trouble. Thus, forced him to move to South Korea to work in an automotive factory and work 12 hours everyday. Always giving the best in everything he does is the most valuable lesson he had learnt and applied since he was in South Korea up until now. His career in Ray White started in 2009 as Marketing Executive of Ray White Kelapa Gading Barat. Within 4 years of his career, he always got into the Alan White Elite Performer Club and Top Sales. In August 2013, he started Ray White Summarecon Bekasi office. And in 4 years under leadership, he has collected 27 prestigious awards from various instances such as Ray White Awards, national property portal, and many other well known developers. For him, joining Ray White was the best decision. He believes that everyone has the same chance for success, and everyone is like a high quality seed. But remember, to grow the best plant, we must planted it in the most fertile land. So if you want to be success in the property industry, joining Ray White (winner of Top Brand Awards for 10 consecutive years) is the best decision. Nataliya Principal of Ray White Kemang Premier Nataliya or often called Lia is a very persistent and professional person in doing her job. Born in Semarang, on December 23, 1975. She studied at Taruma Nagara University majoring in Management. her career journey began in 1999-2000 working as an Account Assistant at BII, and from 2000-2016 working as a Marketing Executive at Ray White. During her career as a Property Agent, she felt working as a Property Agent was a very profitable job. Therefore, with high determination and extraordinary enthusiasm, she decided to expand her wings and open her own office which was named RAY WHITE KEMANG PREMIER in 2016 - until now. With high enthusiasm and determination, she was finally able to occupy the position of DIRECTOR. Since her office was founded, Nataliya has received many awards such as : • #1 Top Principal Annual Awards 2017 • # 15 Top Offices Annual Awards 2017 • #4 Top Offices Annual Awards 2018 • #2 Top Selling Principal Annual Awards 2018 • # 1 Top Selling Principal/Manager 1st Triannual Awards 2019 • # 2 Top Selling Principal / Manager 2nd Triannual Award 2019 • # 1 CEO CUP Annual Award 2020 • # 1 Top Selling Principal Annual Award 2020

Mitha Marketing Executive of Ray White Summarecon Bekasi Mitha holds a Bachelor of Psychology from Sunan Ampel Islamic State University Surabaya. She started her career as a counseling teacher in several state schools and then starting her own clothing industry. Joining Ray White Summarecon Bekasi since 2015, currently she has achieved 5 times in a row Top 10 Marketing Executive of the Year, 2 times Best Selling Agent Ray White Indonesia, and 2 years in a row Elite Performers Club. She believes that this industry can fulfill the everlasting financial freedom for her and make all of the life targets achieved. Remsey DG Leader of Ray White Prioritas Sutami Remsey graduated from the University of Widyatama Bandung, majoring in management. After graduating, he started his career as an Event Organizer and Master of Ceremonies. After Covid-19 pandemic, in 2020 Remsey try his fortune to work as a property agent at Ray White company. He finds that working in Ray White is very fun. Ray White is not only helping him to finally set up his finances but also teaching him a lot of new life lessons, especially to become a useful person for the property seeker that needs our help. He has a goal to become a successful businessman with Ray White until he grows older. Tjipto Kaharudin Manager of Ray White CBD Surabaya Tjipto Kaharudin or casually called Tjipto, is the manajer of Ray White CBD Surabaya. Tjipto graduated with a Bachelor of management economics at Universitas Tarumanegara in 2002. Before joining the world of property, Tjipto had tried a lot of occupations. When he was 20, he had a chance to work in the field of export-import shipping. After he graduated in 2002, he was working in a foreign company that engaged in animal feed producers for 6 years. In 2008, Tjipto finally decided to fully enter the property agent field. He evaluated that business property is very unique because it’s always related to all aspects of the business line in Indonesia and around the world. Property was the main investment choice for the entrepreneur in any aspect. Moreover, the property is always needed as long as people live with prices that tend to go up. Therefore, Tjipto has chosen business property with Ray White because he evaluated that Ray White has number one quality in a real estate agent. After a long time becoming Marketing Executive, Tjipto finally took the lead for Ray White CBD Surabaya that newly established at the beginning of 2016. In carrying out his role as a real estate agent. He always holds on to his main role which is to help the client get their dream property without being oriented to commission alone. By always giving the best service in order to help the client to get their dream property then the results will be good and long-lasting.

Yadi Darmadji Marketing Executive of Ray White Menteng Yadi Darmadji graduated from Portland State University, Oregon USA in 1989 with two Bachelor's Degrees in Business Administration and Information Technology. His work experience started as a programmer and system analyst in the USA and after returning to Indonesia in 1993 he was employed as a Corporate Banker at Bank BDNI & Bank NISP. Later then, he was employed as a Branch Manager at Bank Mayapada and also Branch Manager at Maybank Indocorp which later became Maybank Syariah Indonesia. In 2016 Yadi Darmadji joined Ray White Menteng with a passion to be an entrepreneur in a property agency. It is his consistency and persistency which could take him to a steadily improving achievement as a Marketing Executive. His record high as Marketing Executive in Ray White Menteng was Top #4 to Top #2 to Top #1 and again Top #1 in years 2018, 2019, 2020, and 2021 consecutively. He earned Top #2 and Top #4 in PPC in the years 2021 and 2022 as of Oct 2022. He also has entered Alan White Eliter Performer Club for the last three years in 2020, 2021, and 2022. He was very thankful for having the privilege to be a part of the Ray White family. Yuliani Marketing Executive of Ray White Summarecon Bekasi Yuliani holds a Bachelor of Economics from one of the private universities in Jakarta. She has been working for 5 years in one of America's Multi-National Companies in Indonesia. She started her business in Life Assurance when she was young after her father passed away because of poverty. The experience she gained in 12 years of working in the Life Assurance Business has helped her in starting her career in Ray White Summarecon Bekasi. 2022 is her 5th year joining Ray White. She has realized that being in the property is a never-ending business. Thus, she makes sure that in any given situation, she can give her contribute to property business, especially in Commercial and Industrial Properties.

SPEAKERS Levina Manager of Ray White Projects and Cikarang. Business Development Executive Ray White (Indonesia) Astrid TZ Group Head of Marketing Communications at Ray White and Loan Market (Indonesia) Astrid TZ holds a Bachelor of Economics from Universitas of Pelita Harapan and has more than 20 years of extensive working experience in the marketing communication area and the latest as Group Head of Marketing Communication in both Ray White and Loan Market in Indonesia. She believed that her experiences can strengthen and give her the best contribution to the success of the companies. Levina holds a bachelor of economics in 2013 from Tarumanegara University. After graduating, she begin her career as Finance corporate at PT Modernland realty TBK until 2016, later then she became Marketing Corporate and Business Development at PT Grahabuana Cikarang starting from the year 2016 until 2020. She started joining Ray White Project in 2020 until 2021, shortly after she joined Ray White Cikarang and Ray White Corporate as Business Development until today. Trisna Yany Manager Performance of Ray White (Indonesia) Trisna Yany was an alumnus of Bina Nusantara University in 2000. She is a dynamic career woman with a strong passion for the property industry. Her Extensive work experience once covered by Sindo Newspaper, her colleagues, her friendliness and her ability to motivate make her a friend and valuable mentor. She loves to learn about Fengshui and practice Fengshui on a daily basis. She started her career in the Property industry in 2000 as a Marketing Manager. in 2005, she joined Ray White Indonesia as Business Development Associate. From 2011 until 2013, she joined the Pakuwon group Surabaya as Marketing Manager. A year after, she joined the CBM group as Marketing Manager project villa in Bali city. after a long journey, in 2015 Trisna back to Ray White Indonesia as Manager Performance of Ray White Indonesia.

Turky J Bugri Manager of Ray White Senayan Turky J. Bugri came back to Indonesia in The Year 1998 from abroad. Before joining Ray White he worked as a Marketing Executive in an English Language Institute and first joined as a Real Estate agent with Raine & Horne in 2002. Turky Joined Ray White Indonesia in March 2003 as a Marketing Executive in Ray White Retail. He achieved Top 3 Marketing Executive based on Gross Commission in the first quarter of 2005. His Real Estate career started to pick up from here. In one and a half years he was promoted to associate manager of Ray White Retail. He then joined Ray White Commercial in December of 2006, specialing in Auction. Early in 2009, he was in charged of Ray White CBD Residential’s operation as The Manager. Turky has been part of the Ray White Family for 17 years and managed three Ray White Offices, taking over Ray White Menteng in 2013 and Ray White Senayan in 2014, and Ray White Kebun Jeruk Intercon in 2015 Yohannes Siregar Group head of Information Technology and Customer Experience at Ray White & Loan Market (Indonesia) Prior to joining Ray White in Indonesia, Yohannes was one of the founding members of PR Dewaweb, the first cloud-hosting startup in Indonesia. He had been a web developer for almost 6 years there. His experience building a startup that helped more than 30,000 customers landed him a job as a Head of Business Development at PT Datacomm Diangraha, a data center corporation. Graduating as an Electrical Engineer from Bandung Institue of Technology and Master of Business and Management from Prasetya Mulya shaped him into a multidimensional person. He is an analytical, structured person yet understands people and solves their server infrastructure problems. His love for data and executions had helped him double the website visitors of companies he worked for every year through SEO or organic methods. He joined Ray White and Loan Market in Indonesia as Head of Marketing and Digital in April 2020. After achieving his target to double Ray White website's monthly visitors by the end of 2020 organically. He is now trusted as the Head of IT and Customer Experience. He is now spearheading the company's IT development and implementation to develop user-friendly and sophisticated apps to help real estate and loan advisers run their business efficiently through technology.

SPEAKERS Kiyoko Tri Safitri Principal of Loan Market Adam Malik Kiyoko Tri Safitri likes something that is negotiative, that's why she became a part of the banking industry. Because of the compatibility of vision and mission, she joined the Loan Market family in 2017, and 2019 as a Principal Loan Market Adam Malik. She has been in the banking industry since 1988 and started her career as Business Manager of the Consumer Banking Division at CIMB Niaga, then in 2016 continued her career at Factor 4Life Indonesia. Christiani Soedardjo Training Development Executive of Loan Market (Indonesia) Christiani completed his master's degree in financial management. She has experience in the banking sector as well as being a trainer in the field of credit, in several banking and financial institutions. Currently, Christiani takes responsibility as Head of Training Loan Market Indonesia, which will oversee Loan Market Way training in Loan Market in Indonesia. Christina Meliana Jahja Principal of Loan Market Alam Sutera & Manager at KSP Neo Esens Christina is now the Leader of Loan Market Alam Sutera and Manager at KSP Neo Esens Indonesia. Prior to her role, she was the Regional Business Manager of Mortgage for 6 years, she then continued as a financial consultant for 2 years. She joined Loan Market Indonesia in 2017, ever since then, she has won several awards, the latest are Top 3 Offices based on Units and Top 3 Offices based on Gross Commission.

LIST OF DELEGATES EMERALD AVENUE BINTARO KARAWACI CENTRAL PASKAL DIPONEGORO SUNTER CANGGU KEBAYORAN BARITO SUKAJADI PULOMAS RIAU BANDUNG JUANDA BANDUNG PRIORITAS MEKARWANGI CBD SURABAYA PRIORITAS MEKARWANGI SOUTH BALIKPAPAN PROJECTS GADING SERPONG PROJECTS & COMMERCIAL PRIORITY MENTENG BINTARO PROPERTY MANAGEMENT KEBAYORAN SENOPATI JUANDA BANDUNG PRIORITAS SUTAMI CENTRAL BSD SUMMARECON BEKASI GRAND WISATA CONCIERGE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 ALFIA RAHMANIAR ALI SUSANTO ALICE ANDY SUANDA ANNA KURNIAWATI ARVIND MOHINDRA BEN HUTAGALUNG CHANDRA K DAVID ARIANTO DAVID POH DAVID SUGANDA DENY LION DEPINA DIYAH FILIYANINGSIH DONY RICKO E. SINAGA EMMA ENRICO RIBALDI ERWIN KARYA ERWIN SWAN FEBE MANURUNG FIRMAN SANTOSO FONI MEGAWATI FRANSISCA MARIA GATOT SUSANTO HERRY TAN HUSIN IRAWAN G. TOEBE

LIST OF DELEGATES BINTARO TRADE CENTER CIBUBUR PANAKKUKANG PENGAYOMAN WIYUNG KEBAYORAN BARITO SENAYAN PRIORITAS MEKARWANGI BUKIT DARMO GOLF CBD GADING SERPONG PRIORITAS SUTAMI KUTA KEBAYORAN BLOK M SERPONG BSD PALEMBANG MANGKUNEGARA GRAHA PONDOK INDAH KEMANG PREMIER PIK GOLDEN BSD PRIORITAS MEKARWANGI CITRA GARDEN KOTA BARU PARAHYANGAN PRIORITAS SUTAMI BRAWIJAYA CBD S. PARMAN BINTARO JAYA III ONE MUSI CENTRAL PADJAJARAN MENTENG RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAtY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 IRWAN GUNAWAN IWAN RIFA'IE JENNIE HENDRIKS JULYNATALIA TANOKO KARNAJAYA KARNADI KIMSEN LUSIANA MARCELINO DEDY H MAXIMILIAN LIM MEILIANI TANDANI MICHAEL HIKMA GUNAWAN MICHAEL SURJAUDAJA MONI BASUKI MUKAR SUHADI NAREN BHARWANI NATALIYA NINI NOVIA NINGRUM PAUL SANTOSO PAULUS KUSUMO RAINER KURNIAWAN REMSEY DHARMA GITA RIDHO ACHFADA ROSIANA SUSANTA RR. KIRINA TRIYUNOWATI RYO LUI SADA WIJAYA SHILLO SRI WAHYUNI

LIST OF DELEGATES BRAWIJAYA HARAPAN INDAH BOULEVARD WIYUNG SENAYAN CENTRAL PASKAL CIPETE CBD SURABAYA SENAYAN PRESTIGE PRESTIGE JGC ALAM SUTERA ADAM MALIK CBD SURABAYA MENTENG RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE LOAN MARKET LOAN MARKET LOAN MARKET LOAN MARKET 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 STELLA SARI DEWY SURYA WIJAYA SUSAN TANOKO SUSI THEMMY LEE TJHANG DONNY TJIPTO KAHARUDIN TURKY J BUGRI WILLIAM WILSON HO YEYEN CHANDRA CHRISTINA MELIANA JAHJA KIYOKO TRI SAFITRI R. PEPEY DELON TANAKA SILVIA CHANDRA

LIST OF DELEGATES CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE PURI BOTANICAL PALEMBANG MANGKUNEGARA LAMPUNG MOROTAI LAMPUNG MOROTAI CBD JAKARTA RAY WHITE LOAN MARKET RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE LOAN MARKET LOAN MARKET LOAN MARKET LOAN MARKET LOAN MARKET LOAN MARKET LOAN MARKET RAY WHITE RAY WHITE RAY WHITE RAY WHITE RAY WHITE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 JOHANN BOYKE NURTANIO SARI DEWI TRISNA YANY GABRIELLA CYNTHIA K. LEVINA MICHAEL SUGIHARTO ASTRID TZ DEASY NATALIA YOHANNES A. SIREGAR MELISA RYAN ANKIE ALFI FAUZIANSYAH PUTRI AMANDA LISA SAFIRA MAMAN RUKMANA HARDIANITA DEASYNTA HANDI OETAMA ALFREDS WILSON DONY RAHARJO FAJAR ASWADI INDIRA THALIA CADER RIO SETIA NUGROHO CHRISTIANI SOEDARDJO AFUK AGUS SUDARMANSA AHMAD ZAKI BARIDWAN S.S. S.H AKHMAD NIZAM IQBAL M.M ALDILA ASPON

NOTES

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