PT Luno Indonesia Ltd (“Luno”) has agreed to offer the Invest Back Program to Luno customers (“Program”). Without limiting the applicability of Luno’s Terms of Use, Privacy Policy, and General Rewards and Promotions Terms, you agree to be bound by the following terms and conditions when participating in the Invest Back Program (“Terms”). You agree to accept any decision made by Luno under these Terms as final and binding.

1. Program Details

Eligible Customers may obtain cashback rewards (“Rewards”) by conducting transactions using the Instant Buy, Instant Sell, and/or Exchange features on Luno during the Program Period.

For the purposes of this Program, transactions that qualify are those successfully executed through the features specified under each program level.

The total transaction volume will be calculated based on the value of transactions successfully completed during the Program Period.

2. Program Period

The Invest Back Program will run from 3 August 2026 and will continue until and including 31 August 2026.

3. Program Levels and Rewards

Subject to the limitations set out below, Eligible Customers may receive Rewards based on the level of transaction volume achieved during the Program Period.

3.1 Level 1

Customers who achieve a minimum total transaction volume of IDR 88,000,000 through the Instant Buy or Instant Sell features during the Program Period will receive a cashback reward of IDR 250,000

3.2 Level 2

Customers who achieve a minimum total transaction volume of IDR 188,000,000 through the Instant Buy or Instant Sell features during the Program Period will receive a cashback reward of IDR 550,000

3.3 Level 3

Customers who meet both of the following criteria during the Program Period will receive a cashback reward of IDR 1,250,000

Level 3 Criteria:

• A minimum total transaction volume of IDR 288,000,000 through Instant Buy and/or Instant Sell, and

• A minimum total transaction volume of IDR 288,000,000 through the Luno Exchange.

4. Reward Allocation

1. Customers are only entitled to receive one highest cashback reward based on the highest level achieved during the Program Period.

2. Transaction volumes cannot be combined across multiple accounts.

3. All transactions must be successfully executed and completed to be counted towards the total transaction volume.

5. Eligibility Criteria

Participation is limited to Eligible Customers who meet the following criteria:

1. Luno customers who have been verified and are located in Indonesia.

2. Customers who comply with all Luno Terms of Use.

3. Customers who perform transactions using the Instant Buy, Instant Sell, and/or Exchange features during the Program Period.

4. Transaction volumes will be calculated from 3 August 2026 until 31 August 2026.

6. Non-Qualifying Transactions

The following transactions will not be counted in this Program:

• Transactions that are cancelled, failed, or not completed.

• Transactions deemed fraudulent, manipulative, or abusive.

• Trading activities that violate Luno’s Terms of Use.

7. Reward Calculation and Distribution

Rewards will be calculated after the Program Period ends based on the total eligible transaction volume.

Cashback will be distributed to Eligible Customers within 20 business days after the Program Period ends.

Rewards will be credited to the customer’s account in a form determined by Luno.

8. Program Changes

Luno reserves the right to withhold, invalidate, cancel, suspend, modify, or amend the Invest Back Program and its Terms at any time.

9. Personal Risk

To the extent permitted by law, Luno accepts no responsibility for any damage, loss, liability, injury, cost, expense, or claim (whether in contract, tort, or otherwise) suffered by any participant or third party arising from participation in the Program or the acceptance of any Program Reward.

10. Personal Data

Any personal information provided to Luno for the purposes of the Program will be handled strictly in accordance with the Luno Privacy Policy.

11. Governing Law

These Terms are governed by and interpreted in accordance with the laws of Indonesia, and any disputes arising from the Invest Back Program will be subject to the exclusive jurisdiction of the courts of Indonesia.