Travel Benefit Danamon Privilege

The program is only available to customers who are registered in the Danamon Privilege Service with a minimum combined average balance (“AUM") of IDR 5,000,000,000 (five billion rupiah) per month for three consecutive months. The average combined balance consists of the average balance of Savings, Current Accounts, Deposits, Investment Products (including Bancassurance products with investment components), as relevant to the customer.

1. Customers who meet the Customer Criteria are entitled to receive the Travel Benefit Package provided by a third party in collaboration with Bank Danamon ("Third Party").
2. The selection of the Third Party that will provide the Travel Benefit service to Customers is entirely at the discretion of Bank Danamon.
3. Customers will not be charged for the Travel Benefit Package provided.
4. The Travel Benefit Package that customers are entitled to receive follows the scheme below:

   No.	Minimum total combined average balance for 3 consecutive months	Travel Benefit Package
   1.	DR 5 billion up to < IDR 10 billion (Special Package)	2 (two) quota of Airport Transfer. Travel Insurance Package for 2 (two) people.
   2.	≥ DR 10 billion (Remarkable Package)	4 (four) quota of Airport Transfer. Japan Rail Pass (Ordinary Pass) for 2 (two) people valid to use while in Japan. Travel Insurance Package for 2 (two) people. .

   Important Notes:

   • The calculation of Airport Transfer quota usage is as follows:
     • Airport Transfer to Japan will deduct 2 (two) Airport Transfer quotas.
     • Airport Transfer to Singapore will deduct 1 (one) Airport Transfer quota.
     • Airport Transfer to domestic destinations will deduct 1 (one) Airport Transfer quota.
   • The Travel Benefit Package can only be given to Customers who meet the General Terms and Conditions of this Program, which is 1 (one) package for 1 (one) year. If a customer uses the benefit in 2025 (during the Program Period), and Bank Danamon extends or renews the Program in 2026, any remaining package quota from 2025 will not be valid or usable during the extended period in 2026. Example: In 2025, the Customer receives the Special Package and requests 2x Singapore Airport Transfers in November, leaving the Customer with a remaining travel insurance quota for 2 (two) people in 2025. If unused by 31 December 2025, the remaining travel insurance quota will expire on 31 December 2025 and cannot be carried over to 2026.
   • The calculation of the usage of the Travel Benefit package quota is based on the date the customer submits the application to Bank Danamon and the issuance of the Letter of Introduction, where the customer's annual quota usage is calculated starting from the submission of the Travel Benefit package since January 2025.
     • Example 1: In December 2025, a customer submits an Airport Transfer request with a letter of introduction valid from 25 December 2025 to 25 January 2026 and the customer's travel plan is to be picked up at the airport on 30 December 2025 and dropped off at the airport on 1 January 2026. This travel plan will deduct the customer's quota for the year 2025.
     • Example 2: In October 2025, a customer requests an Airport Transfer with a voucher validity period from 1 October 2025 to 1 November 2025. If the customer does not use the Airport Transfer for any reason, the quota reduction for 2025 will still be applied because the customer has already been issued a voucher.
     • Example 3: Between January and June 2025, the customer has already applied for and received the Singapore Airport Transfer facility twice. If the customer is eligible for the Special package, the customer will no longer be able to apply for Airport Transfer during the Program Period. If the customer is eligible for the Remarkable package, the customer still has 2 (two) remaining Airport Transfer quotas to apply for during the Program Period.
   • The Travel Benefit package is determined based on the average total AUM for 3 consecutive months, as illustrated below:

     IIllustration	Travel Benefit Application Month	May 25 AUM	June 25 AUM	July ‘25 AUM	Eligible / Not Eligible	Travel Benefit Package
     1	July ‘25	5 billion	5 billion	5 billion	Eligible	Special (Average AUM: 5 billion)
     2	July ‘25	6 billion	10 billion	20 billion	Eligible	Remarkable (Average AUM: 12 billion)
     3	July ‘25	1 billion	10 billion	10 billion	Not Eligible (May AUM < 5 billion)	None, despite (Average AUM: 7 billion)

   • For requests for Airport Transfer, the maximum number of passengers is:
     • 2 (two) times per month, where this restriction applies to all types of Airport Transfer destinations combined.
       Example: In August 2025, a customer submits a request for an Airport Transfer. During the period from 1 to 31 August 2025, the customer can submit a maximum of 2 (two) Airport Transfers to Japan, Singapore, or domestic destinations.
     • 1 (one) vehicle in 1 (one) one-way trip from/to the airport.
       Example: A customer with a large family is planning to be picked up from Narita Airport and taken to a hotel. The customer is not allowed to use two Airport Transfer quotas for one trip from Narita Airport to the hotel, even if the customer still has quotas available.
   • Airport Transfer requires the drop-off/pick-up location to be in the same city as the airport. The restrictions for Airport Transfer are as follows:

     Number of People	Maximum of 4 (four) people
     Number of Baggages	Maximum 2 (two) cabin bags equivalent to 7 kg and 2 (two) checked bags equivalent to 23 kg
     Pick-up Waiting Time at the Airport	A maximum of 45 (forty-five) minutes after the landing time based on the flight number for international flights. A maximum of 30 (thirty) minutes for domestic flights.
     Pick-up Waiting Time at Delivery/Pick-up Location (e.g. Hotel/Home)	Maximum 15 (fifteen) minutes from the specified delivery/pick-up time.
     Name of Airport for Drop-off/Pick-up	Singapore: Singapore Changi Airport   Japan: Haneda Airport (Tokyo) Narita Airport (Tokyo) KIX Airport/Itami Airport (Osaka) New Chitose/Sapporo Airport (Hokaido)

     Other complete restrictions on the benefits of Airport Transfer refer to the terms and conditions of the Third Party cooperating with Danamon, subject to vehicle availability.
   • For Domestic Airport Transfers, there are restrictions on the zones and cities that can be requested by customers:

     City	In-City Drop-Off Zone
     Jakarta	Airport /Station Transfer (CGK /Halim /Station Whoosh Halim) Zone 1 Kota/ Pluit/ Grogol/ Kemayoran/ Jatinegara/ Menteng/Ancol/ Sunter/ Kelapa Gading/ Tanjung Priok/ Kemang/ Blok M/ Cilandak barat/ Pondok Indah/ Tanggerang Kota/ BSD/ Karawaci/ Alam Sutera/ Gading Serpong/ Kreo/ Kunciran/ Sudimara/ Larangan/ Bintaro
     	Airport /Station Transfer (CGK /Halim /Station Whoosh Halim) Zona 2 Duren Sawit/ Pulo Gadung/ Pulo Mas/ Halim/ Cimanggis/ Cibubur/ Lebak bulus/ Ciputat/ Cinere/ Depok/ Pondok Gede/ Bekasi barat/BSD
     Medan	Airport Transfer (KualaNamu) Zona 1 Lubuk Pakam / Batang Kuis / Tj.Morawa
     	Airport Transfer (KualaNamu) Zona 2 Medan Kota/ Medan Amplas /Medan Barat /Medan Area/Medan Baru/ Medan Denai /Medan Petisah/ Medan Selayang/ Medan Johor/Medan Polonia/Medan Timur/ Medan Sunggal/Medan Maimun/ Medan Helvetia /Medan Perjuangan/ Medan Timur/ Deli Tua / Tembung
     	Airport Transfer (KualaNamu) Zona 3 Medan Deli/Medan Labuhan/Sunggal Deli Serdang/Medan Marelan/ Belawan/Binjay/ Pancur Batu/ Perbaungan/ Galang / Dolok Masihul/ Bangun Purba/ Hamparan Perak/ Kutalimbaru/ Namorambe / Percut Bagan
     Yogyakarta	Airport Transfer (YIA) Zona 1 Temon/ Stasiun Wojo/ Bendungan/ Wates / Bagelen/ Panjatan
     	Airport Transfer (YIA) Zona 2 Pendowo/ Pengasih/ Sermo/ Kokap/ Galur / Kali Biru/ Sentolo/ Lendah/ Brosot/ Purworejo/ Nanggulan/ Sedayu/ Girimulyo
     	Airport Transfer (YIA) Zona 3 Kutuarjo/ Godean/ Bantul/ Gamping/ Butuh / Yogyakarta/ Kalibawang/ Ambal/ Samigaluh/ Sleman/ Adisucipto Airport/ Muntilan/ Area Hotel-hotel di Jogja
     	Airport Transfer (Adi Sucipto) dalam kota Yogyakarta
     Surabaya	Airport Transfer (Juanda) Zona 1 Brebek Industri/ Pondok Chandra/ Bungurasih/Aloha/ Delta sari/ Gendangan / Sedati/ Waru/ Taman/ Sepanjang/ Seruni
     	Airport Transfer (Juanda) Zona 2 Dalam Kota Surabaya
     	Airport Transfer (Juanda) Zona 3 Benowo/ Menganti/ Tanggulangin
     Bali	Airport Transfer (I Gusti Ngurah Rai) Zona 1-2 Kuta/Jimbaran/Nusa Dua/Legian/ Denpasar Selatan/Sanur/Tuban
     	Airport Transfer (I Gusti Ngurah Rai) Zona 3 Pecatu/Petitenget/Denpasar Utara/ Seminyak/Nusa Dua Selatan
     	Airport Transfer (I Gusti Ngurah Rai) Zona 4 Batu Bulan/Ubud Center/Canggu/Tanah Lot/Mengwi
     Makassar	Airport Transfer (Hassanudin) Dalam Kota
     Balikpapan	Airport Transfer (SULTAN AJI MUHAMMAD SULAIMAN SEPINGGAN) Zona 1 Sepinggan/ Damai Baru/ Gunung Bahagia/ Damai/ Klandasan Ilir/ Sumber Rejo/ Batakan
     	Airport Transfer (SULTAN AJI MUHAMMAD SULAIMAN SEPINGGAN) Zona 2 Klandasan Ulu/ Gunubgsari Ilir/ Gunungsari Ulu/ Batu Ampar/ Gunung Samarinda/ Karang Jati/ Karang Rejo/ Damai Bahagia/ Prapatan/ Graha Indah/ Muara Kapak/ Soekarno Hatta KM 21-25/ baru Ilir/ Baru Tengah/ Marga Sari/ Alam Baru/ Manggar/ Margo Mulyo/ Baru Ulu/ Lamaru
     	Airport Transfer (SULTAN AJI MUHAMMAD SULAIMAN SEPINGGAN) Zona 3 Karang Joang/ Teritip/ Kariangau/ Ambarawang/ Selok Api

     
     
   • For Domestic Airport Transfers, the Travel Benefit package is not permitted for inter-city travel and does not cover toll charges incurred from the use of Airport Transfers.
   • The Japan Rail Pass is valid for a travel period of up to seven (7) calendar days for one (1) trip.
   • The Travel Insurance Package is valid for up to fifteen (15) calendar days per trip and is only applicable for international travel (not valid for domestic travel within Indonesia). Details of the Travel Insurance Package benefits can be viewed on the following page: https://travellin.co.id/Plan/Detail/Worldwide-Basic under the “Limit International” section. For the Optional Benefit Cover, only COVID-19 protection is included, and it is applicable to insured individuals up to the age of sixty-nine (69) years.
5. In addition to the Travel Benefit Package described above, Customers with a minimum total combined average balance of IDR 20,000,000,000 (twenty billion rupiah) are entitled to an additional benefit in the form of a Spectacular Experience Package. This benefit is valid for one (1) redemption per eligible Customer who meets the General Terms and Conditions of the Program. Customers cannot reapply for this benefit once it has been claimed.
   
   The details of the Spectacular Experience Package are as follows:

   Spectacular Experience	Complimentary Private Helicopter Tour at Mt. Fuji Japan Enjoy a breathtaking aerial view of Mount Fuji with a Private Helicopter Tour lasting approximately seventy (70) minutes. This experience allows the Customer to bring along family members or relatives, with a maximum capacity of three (3) passengers, including the Customer.

   Important Notes:
   • If the Customer has previously submitted a claim/reservation, the Spectacular Experience Package cannot be claimed/reserved again for a second time.
   • The Travel Agent reserves the right to cancel unilaterally in the event of force majeure. This may include, but is not limited to, extreme weather conditions, natural disasters, or other emergencies. In this case, the Customer may choose 1 (one) of the following 3 (three) options:
   1. Reschedule: Transferring flight schedules to another date.
   2. Quota Refund: Refunding flight quotas to customers, which can be used for future travel.
   3. Reroute: Changing flight routes according to existing conditions.
   • Arrangements for scheduling a Private Helicopter Tour to be confirmed with the Third Party.

1. The Customer is required to read and understand the General Terms and Conditions of the Program.
2. The Customer must apply for the Program’s benefits at least fourteen (14) calendar days prior to their intended travel/departure date. The Travel Benefit Cover Letter issued by Bank Danamon will be valid for thirty (30) calendar days from the date of issuance, with the expiration date clearly stated in the Cover Letter.
3. Bank Danamon reserves the right to refuse or cancel the Customer’s participation in the Program if the Customer does not meet the applicable General Terms and Conditions.
4. The Customer is solely responsible for all risks, losses, claims, lawsuits, and/or demands arising from their participation in or cancellation from the Program.
5. The Travel Benefit package is a service provided by a travel agency appointed by a Third Party. The Customer agrees that Bank Danamon is not responsible for any obstacles or losses that may be experienced by the Customer in using the travel benefit, such as natural disasters, bad weather, or other force majeure circumstances.
6. This benefit is exclusively intended for Customers who meet the eligibility criteria. It is non-transferable, non-exchangeable, and cannot be converted to cash under any circumstances.
7. To access the benefits under this Program, the Customer must submit a request through their Customer Relationship Manager at the registered Bank Danamon branch. If the Customer does not submit a formal request, they will not be eligible to receive the benefits
8. Customers who submit a request and meet the Program’s General Terms and Conditions will receive a Cover Letter from Bank Danamon within a maximum of seven (7) business days from the date of the request.
9. Customers who have received the Letter of Introduction can submit a claim/reservation independently to the Third Party at least 5 (five) Business Days before the departure date for Singapore and domestic destinations and 10 (ten) Business Days before the departure date for Japan, if there is still availability, by contacting the Third Party as stated in the Letter of Introduction.
10. The claim/reservation submission process to the Third Party can be done on the following working days and times:
    

    Monday – Friday	: From 08.45 – 16.45 WIB
    Saturday	: From 08.45 – 14.00 WIB

11. When the Customer submits a claim for the Travel Benefit Package and/or the Spectacular Experience Package with a Third Party, the Customer must present the Letter of Introduction received to the Third Party's representative.
12. The Customer must follow the instructions and guidance from the Third Party regarding the procedures for submitting a claim for the Travel Benefit Package and/or Spectacular Experience Package, including but not limited to requests for Customer data/information, proof of airline tickets in the Customer's name to the destination country, passport, and other documents required by the Third Party to process the booking.
13. The Cover Letter is valid for thirty (30) calendar days from the date of issuance (the maximum validity period will be clearly stated in the letter). The Customer’s itinerary must fall within this period:
    1. Cover Letter validity July 8, 2025 – August 8, 2025.
    2. The Customer's travel plan is mandatory during the Cover Letter period (for example, on 5 August 2025).
14. Customers who do not have a Letter of Introduction from Bank Danamon cannot apply for the Program benefits.
15. Any costs incurred outside of the Travel Benefit Package and/or Spectacular Experience Package provided by Bank Danamon shall be the sole responsibility of the Customer.
16. By submitting a request to Bank Danamon through the Relationship Manager and receiving a Cover Letter, the Customer is deemed to have read, understood, and agreed to participate in the Program. The Customer also agrees to the terms of personal data sharing between Bank Danamon and Golden Rama for the purpose of administering the Travel Benefit. The submission and issuance of the Cover Letter serve as valid proof of the Customer’s participation in the Danamon Privilege Travel Benefit Program.

1. The verification of Customer eligibility and criteria is entirely under the authority of Bank Danamon.
2. Third Party products and/or services are not products of Bank Danamon and are not the responsibility of Bank Danamon, and are therefore entirely the responsibility of the Third Party. If you encounter any problems and/or complaints regarding these products and/or services, please contact the Third Party.
3. The Customer declares that there are no, and will not be, transactions that indicate money laundering, or any other transactions prohibited under the applicable laws and regulations in Indonesia.
4. If there are any indications of fraud, irregularities, suspicious transactions, money laundering, or any actions deemed inconsistent with applicable laws and regulations, Bank Danamon reserves the right to: Cancel the relevant transaction(s), Terminate the Customer’s participation in the Program, Revoke any benefits previously granted under the Program. In such cases, the Customer remains fully responsible for settling any outstanding obligations to Bank Danamon, if applicable.
5. These General Terms and Conditions form an integral part of the following: General Terms and Conditions of Accounts and Banking Services of PT Bank Danamon Indonesia Tbk, General Terms and Conditions of Sharia Banking Accounts and Services, and General Terms and Conditions of Danamon Privilege Services. In the event of any inconsistency or conflict between the above provisions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
6. The Customer acknowledges and agrees that Bank Danamon reserves the right to amend, revise, or supplement the Danamon Privilege Travel Benefit Program Terms and Conditions at any time. Any such changes will be communicated through Bank Danamon’s official communication channels. If there are any changes to the benefits, risks, costs, or other terms of the Program, the Customer may submit a written objection within thirty (30) calendar days from the date of notification. If no objection is submitted within this period, the Customer will be deemed to have accepted the changes. Should the Customer disagree, they may cancel their participation in the Program after settling any outstanding obligations with Bank Danamon.
7. The Customer understands that investment products carry inherent risks and are not deposit products of Bank Danamon. Therefore, they are not guaranteed by Bank Danamon and are not covered under the Deposit Insurance Corporation (LPS) guarantee program. Customers may experience a partial or total loss of invested capital.
8. Insurance products (Bancassurance) are also not deposit products of Bank Danamon, and are not guaranteed by Bank Danamon or the Deposit Insurance Corporation.
9. Customers may submit complaints related to banking transactions or services either verbally or in writing through: The nearest Bank Danamon branch office, Hello Danamon at 1-500-090, or Email: hellodanamon@danamon.co.id.
10. Information on Customer Complaint Handling Procedures can be accessed via the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
11. If any provision of the General Terms and Conditions of this Program is prohibited or cannot be enforced or becomes invalid or void by a government or court ruling, this shall not affect the validity of the other provisions of the General Terms and Conditions of this Program, and the other provisions shall remain valid and binding and enforceable as specified in the General Terms and Conditions of this Program.
12. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a registered participant in the Deposit Insurance Corporation (LPS) guarantee program.
13. These General Terms and Conditions have been prepared in accordance with the applicable laws and regulations, including relevant provisions issued by the Financial Services Authority (OJK).