TERMS AND CONDITIONS
PRIMADOLAR SAVINGS ACCOUNT

1. Primadolar is a foreign currency savings product from PT Bank Danamon Indonesia, Tbk. (Danamon)
   
2. Primadolar is a product for individual customers or institutions/companies.
   
3. The foreign currency options available are: USD, AUD, SGD, EUR, JPY, GBP, CNY and NZD.
   
4. Cash deposit and withdrawal can be done in IDR or in foreign currencies specified by Danamon. Fees can be charged for foreign currencies exchange or commission in deposit and withdrawal transactions, based on regulations provided by Danamon.
   
5. Customers can deposit cash, withdraw cash, overbook, transfer funds, pay bills, buy pre-paid cellphone vouchers, balance inquiries and conduct other kinds of transactions including transactions through D-Bank, Danamon Online Banking, ATM, SMS Banking, teller and Hello Danamon.
   
6. Customers will be paid interest for the funds they deposit in Primadolar. The calculation of the interest paid is based on the daily account balance, with the interest rate depending on the foreign currency chosen and being subject to change.
   
7. If the account balance for Primadolar USD is below the minimum amount specified, penalty fee will be applied.
   
8. Interest rate and foreign currencies exchange rate are subject to change.
   
9. Customers who wish to open a Primadolar account must complete and sign the Customer Data Form, Account Opening Form, and submit the required documents (ID card copy, tax identification number, and other documents). The Customer will receive a Danamon Debit/ATM Card. The ownership of that Danamon Debit/ATM Card follows the terms that apply at Danamon.
   
10. Danamon Debit/ATM Card is supported with online and real time service in all Danamon ATM, ATM Bersama, MasterCard, Prima, ALTO, Cirus network in Indonesia. There will be transaction fees for conducting transactions in ATM Bersama, Prima, ALTO and Cirrus, based on regulations from Danamon.
    
11. These Terms and Conditions are inherent to “Syarat dan Ketentuan Umum Rekening dan Layanan Perbankan PT Bank Danamon Indonesia, Tbk.”
    
12. Danamon will announce every change of benefits, fees, risks to the customer through the communication Channels that are available in the Danamon. In condition that the customer disagrees with those changes, the customer can submit a statement of objection to Danamon at the latest of 30 (thirty) working days since the announcement was made by the through the communication channels. If the customer wishes to end/close the product and/or the services chosen, the customer is required to settle all of his/her current liabilities first. Danamon will assume that the customer agrees with the changes made, if there is no statement of objection made after 30 days.
    
13. This terms and conditions has been adjusted and aligned with the law, including regulations from Financial Services Authority/Regulator.
    
14. PT Bank Danamon Indonesia Tbk is a guaranteed LPS member, registered and monitored by Otorisasi Jasa Keuangan (OJK)