DANAMON LEBIH
TERMS AND CONDITIONS

1. Danamon LEBIH is one of the saving products issued by PT Bank Danamon Indonesia, Tbk (”Bank Danamon”) for individual Customers, with benefits that include: Free Accidental Death Benefit and other programs offered by Bank Danamon. (Henceforth, the party that opens a Danamon LEBIH account will be referred to as "Customer").
   
2. Early Personal Accident Protection and Personal Accident Protection
   a) On the Early Personal Accident Protection (“Asuransi Kecelakaan”) and Personal Accident Protection (“Tambahan Asuransi Kecelakaan”) features, Bank Danamon cooperates with PT. Asuransi Jiwa Manulife Indonesia (”Manulife Indonesia”).
   b) By opening a Danamon LEBIH account, the Customer is entitled to recieve free Accident Protection Insurance worth IDR 10,000,000 (Ten Million Rupiah) for 6 (six) months from the date of opening a Danamon LEBIH account, as proven with Accident Insurance Certificate ("Certificate") published by Manulife Indonesia.
   c) Customers are responsible for the security of the Certificate given by Bank Danamon.
   d) Manulife Indonesia and Bank Danamon are not responsible for the risk of not paying the coverage if the Certificate is lost/damaged/etc.
   e) The time limit for making a claim is a maximum of 30 (thirty) calendar days from the date of incident.
   f) This Accident Insurance only applies to the party that has been a Customer of Danamon LEBIH (the same Customer with the account holder of Danamon LEBIH) and cannot be transferred or traded, 1 (one) Danamon LEBIH Customer is only entitled to 1 (one) free Accident Insurance protection worth IDR10,000,000 (does not apply to multipliers).
   g) Based on their needs, Customers can add extra Accident Insurance protection by paying additional premiums each month. Details of the Additional Accident Insurance Protection and its mechanisms are inserted in the brochure and Accident Insurance Protection Registration Form.
   h) The total of monthly premiums and amount of Additional Accident Insurance Coverage is as following:
   No Coverage Value (IDR) Total Premium (IDR)
   1 IDR 100,000,000 IDR 17,400
   2 IDR 300,000,000 IDR 49,900
   3 IDR 500,000,000 IDR 79,900
   i) The minimum Customer age for Accident Insurance and Additional Accident Insurance is 18 (eighteen) years old.
   j) The maximum Customer age for Accident Insurance and Additional Accident Insurance is 65 (sixty five) years old.
   k) The Additional Accident Insurance Premium will be debited from the Customer's account (according to the letter of authority from Customer to Manulife Indonesia) and the Additional Accident Insurance protection will start to apply based on the starting date on the Polis. If the balance in the Customer's account isn't sufficient for premium payment debit, in 45 (forty five) calendar days, the Additional Accident Insurance coverage will automatically stop.
   l) The Additional Accident Insurance Terms and Conditions will be inserted in the polis published by Manulife Indonesia after all of the requirements are fulfilled and sent from Manulife Indonesia to the Customer.
   m) The premium paid by the Customer already includes Administration Fee, Insurance Fee and Bank Danamon commission.
   n) The Maximum Coverage Money for all Personal Accident Protection Polis is IDR 2,000,000 (two billion rupiah) per Insured.
   PT Bank Danamon Indonesia Tbk
   Terdaftar dan diawasi oleh Otoritas Jasa Keuangan
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   RIP DL.v10– 0319
   o) The Maximum Coverage Money for the types of accident protection (including but not limited to the Personal Accident Protection Polis) published by Manulife Indonesia per Insured is the equivalent of US$500 thousand (or any other equivalent value to the Rupiah currency).
   p) The amount of Personal Accident Protection Insured Benefit before the first Premium received within 45 (forty five) calendar days is 100% (one hundred percent) of the Coverage Money but not bigger than IDR 500,000,000 (five hundred million rupiah), minus the existing obligations.
   q) If the Additional Accident Insurance application is rejected by Manulife Indonesia, the Polis is cancelled from the beginning and Manulife Indonesia is relieved from the obligation of paying the Coverage Money.
   r) The Insurance Coverage is paid for by PT Asuransi Jiwa Manulife Indonesia.
   
3. The Customer’s Danamon Autodebit is entitled to receive free monthly bill payment fee for PLN and/or Telkom and/or PAM monthly bill payments conducted using the Bank Danamon Autodebit (conducted according to the letter of authority on account debiting signed by the Customer).
   
4. All of the benefits of Danamon LEBIH can be enjoyed by new Customers who have just opened Danamon LEBIH and existing Customers who already have saving accounts at Bank Danamon and have opened Danamon LEBIH. For Customers with joint accounts, these benefits can only be received by one of the joint account holders (for the Death Insurance, the benefit only applies for the joint account holder whose name is mentioned in the certificate). For existing Customers who want to receive all the benefits of Danamon LEBIH, please contact the nearest Bank Danamon branch office.
   
5. All the terms used in this Danamon LEBIH General Terms and Conditions list have the same definition with the Banking Accounts & Service General Terms and Conditions (“Ketum Rekening”), unless defined more firmly in this Danamon LEBIH General Terms and Conditions.
   
6. This Danamon LEBIH General Terms and Conditions is one inseparable unity with the Banking Accounts & Service General Terms and Conditions including the Policy & Procedure Terms and Conditions and the required documents for the savings accounts that apply at Bank Danamon.
   
7. The terms and conditions of each product and service are based on the terms that apply at Bank Danamon.
   
8. By joining in the insurance programs related with Danamon LEBIH, Customers agree with Bank Danamon to provide Customer private date to the insurance company.
   
9. Every change of Danamon LEBIH General Terms and Conditions will be informed by Bank Danamon to Customers through the media established by Bank Danamon before the change is made.
   
10. Free administration fee if the average Danamon LEBIH balance on the ongoing month is IDR 1,000,000 (one million rupiah).
    
11. Free 10 times transactions per month for cash withdrawal and balance inquiry under ATM BERSAMA, ALTO & Prima network if the minimum balance before transaction is IDR 1,000,000 (one million rupiah). The 11th transaction onwards is subject to fees.
    
12. Free 10 times transactions per month for online transfer via Danamon Online Banking, D-Bank, or ATM under ATM Bersama, ALTO, and Prima network if minimum balance before transactions is IDR 1,000,000 (one million rupiah). If balance before transaction less than IDR 1,000,000 (one million rupiah) or transactions per month exceeding quota, the transaction will be charged for IDR 7,500.
    
13. These Terms & Conditions have been adjusted to the existing regulations including the regulations of the Financial Services Authority/Regulator.
    

Important Notes:

1. The insurance in this product refers to the applying insurance terms and conditions and is neither a product nor responsibility of the bank and is not part of a third party savings at the Bank and is not included in any governmental or non governmental collateral program. In relation to the insurance product, Customers must read and understand the content and terms of this insurance in more detail in the insurance certificate/polis. The insurance protection is insured by PT Asuransi Manulife Indonesia, registered and authorized by Financial Services Authority. The marketing force involved in marketing this product is registered and authorized by Financial Services Authority or by the relevant associations.
   
2. Bank Danamon is not responsible for the insurance certificate issued by Manulife Indonesia in relation to this product. The product information has been read and agreed upon the terms as included in the Polis General Terms and Conditons. The product information was written based on the information from PT Asuransi Manulife Indonesia.
   
3. Customers can make claims to PT Asuransi Manulife Indonesia through the nearest Bank Danamon Branch Office by submitting the full documents as regulated in the certificate/polis. The Claim approval will be processed by PT Asuransi Manulife Indonesia according to the terms and conditions of the applying Certificate/Polis
   
4. The usage of Bank Danamon’s logo is based on the agreement of Bank Danamon and is solely intended to show the cooperation between Bank Danamon with Manulife Indonesia.