Cashback Reward Program for ORI029 IPO

1. Customers who are eligible to receive cashback rewards are those who make purchases of ORI029 IPO with a minimum transaction amount of IDR 500,000,000 (five hundred million Rupiah) per transaction via D-Bank PRO during the program period.

2. Furthermore, customers may receive both cashback and additional cashback if they meet the following conditions:

   Amount Transaction	Cashback	Additional Cashback Early Bird / Combined Program
   Minimum IDR 500,000,000 with IDR 500,000,000 increment	0.10% of the transaction amount	0.05% of the transaction amount

3. Customers eligible to receive additional cashback rewards are those who make ORI029 IPO purchases under one of the following scheme options:

   1. Early Bird Scheme: Purchases made during the Early Bird period, from 26 January to 2 February 2026.

   2. Combined Program Scheme: Customers must purchase ORI029 IPO and must be eligible in the NTP Deal 2026 program, subject to the following conditions:

      • Participation in NTP Deal 2026 must happen within the ORI029 IPO program period.

      • Only applicable to Mutual Fund NTP and Bonds NTP.

      • The nominal value of the NTP Deal 2026 program must be at least 25% of the total ORI029 IPO purchase amount.

      • Additional cashback will only be applied to the ORI029 IPO purchase.

      • Cashback for NTP Deal 2026 participation will follow the terms and conditions of the NTP Deal 2026 program.

      • Further information regarding the NTP Deal 2026 program can be found on the official website of Bank Danamon Indonesia (bdi.co.id/ntpdeal).

4. Customers may choose only one of the two additional cashback scheme options as specified in above (Early Bird or Combined Program).

5. Illustration of the ORI029 IPO Cashback Program – Early Bird & Regular Period. During the program period, customers made the following ORI029 IPO purchase transactions:

   Transaction Date	ORI029 IPO Purchase Amount	Cashback Reward	Remarks
   26 January 2026	IDR 800,000,000	IDR 500,000,000 x 0.15% = IDR 750,000	Early Bird Period
   27 January 2026	IDR 100,000,000	-	Early Bird Period
   12 February 2026	IDR 750,000,000	IDR 500,000,000 x 0.1% = IDR 500,000	Regular Period
   Total Reward		IDR 1,250,000

   Based on the illustration above, the customer received a standard cashback reward of IDR 1,000,000 (one million Rupiah) and an additional cashback reward of IDR 250,000 (two hundred fifty thousand Rupiah), resulting in a total cashback reward of IDR 1,250,000 (one million two hundred fifty thousand Rupiah).

6. Illustration of the ORI029 IPO Cashback Program – Combined with NTP Deal 2026.
   During the program period, customers made the following transactions:

   ORI029 IPO Purchase Amount	NTP Deal Transaction Amount*	Cashback on ORI029 IPO	Remarks
   IDR 250,000,000	IDR 125,000,000	-	No cashback awarded as the ORI029 purchase amount did not meet the minimum requirement for program participation
   IDR 500,000,000	IDR 100,000,000	IDR 500,000	No additional cashback awarded as the NTP Deal transaction amount did not reach 25% of the ORI029 IPO purchase
   IDR 500,000,000	IDR 125,000,000	IDR 750,000	Eligible for combined cashback
   IDR 1,000,000,000	IDR 250,000,000	IDR 1,500,000	Eligible for combined cashback

   *Eligibility for NTP Deal 2026 applies to purchases of Mutual Funds and Secondary Bonds under the NTP product category.

ORI029 IPO Cross-Sell Program

1. Customers eligible for the Cross-Sell Program are those who have made ORI029 IPO purchases totaling a minimum of IDR 1,000,000,000 (one billion Rupiah) during the program period, and who also invest in qualifying cross-sell products, as detailed below:

   ORI029 IPO Purchase Minimum Amount	Cross-Sell Product	Minimum Transaction Amount	Additional Cashback per Product
   ≥ IDR 1,000,000,000	Mutual Funds	≥IDR 200,000,000	IDR 1,000,000
   	Secondary Bonds	≥IDR 200,000,000
   	Foreign Exchange (FX)	≥USD20.000
   	DCI	According to the product’s ticket size

   1. Customers are entitled to receive additional cashback rewards for investments in Cross-Sell products, with a maximum of four (4) eligible investment products (Mutual Funds, Secondary Bonds, FX, or DCI) during the program period.

   2. The minimum purchase amount for each Cross-Sell product must be fulfilled in a single transaction. Accumulated transactions do not qualify.

   3. If the Cross-Sell investment is made in a foreign currency, the minimum transaction amount will be calculated using the exchange rate applicable in Bank Danamon’s system at the time of the transaction.

   4. Terms and conditions apply to the purchase of Cross-Sell products, as outlined in the respective product guidelines as below table:

      Product Type	Conditions
      Mutual Funds	Transactions must incur a minimum fee of 1%. Excludes: (i) money market mutual funds and (ii) Danamon Regular Investment Plan (DRIP).
      Secondary Bonds	Transactions must incur a minimum fee of 1%. Excludes purchases of retail bonds in the primary market.
      Foreign Exchange (FX)	Minimum investment amount is calculated using the prevailing exchange rate in Bank Danamon’s system at the time of transaction.
      Dual Currency Investment	Transactions must have a minimum total tenor of 1 month (30 days), and placements can be made throughout the IPO offering period until 19 March 2026.   Case 1: An initial placement of USD 30,000 is made on 29 January 2026 with a tenor of 2 weeks, maturing on 12 February 2026. The matured funds are re‑placed on 20 February 2026 with a maturity date of 6 March 2026. The customer is eligible to receive the cashback reward because the total tenor of the placements is 1 month.   Case 2: An initial placement of USD 30,000 is made on 29 January 2026 with a tenor of 2 weeks, maturing on 12 February 2026. The matured funds are re‑placed on 20 March 2026 with a maturity date of 4 April 2026. The customer is not eligible to receive the cashback reward because the second placement is made after 19 March 2026.

                  

2. Illustration of the ORI029 IPO Cashback Program – Cross-Sell Scheme.
   A customer makes an ORI029 IPO purchase of IDR 1,000,000,000 (one billion Rupiah) and invests in eligible Cross-Sell products in accordance with the program terms and conditions:

   Case	IPO Transaction		Cross Sell Transaction		Cashback Reward
   	Period	Amount	Cross Sell Product	Minimum Cross-Sell per Product	IPO	Cross Sell	Total
   1	Early Bird	IDR 1,000,000,000	1 Cross Sell Product	Mutual Funds ≥ IDR 200.000.000   Secondary Bonds ≥ IDR 200.000.000   FX ≥ USD20.000   DCI: Sesuai ticket size produk	IDR 1,500,000	IDR 1,000,000	IDR 2,500,000
   2	Early Bird	IDR 1,000,000,000	2 Cross Sell Product		IDR 1,500,000	IDR 2,000,000	IDR 3,500,000
   3	Early Bird	IDR 1,000,000,000	3 Cross Sell Product		IDR 1,500,000	IDR 3,000,000	IDR 4,500,000
   4	Early Bird	IDR 1,000,000,000	4 Cross Sell Product		IDR 1,500,000	IDR 4,000,000	IDR 5,500,000
   5	Non-Early Bird	IDR 1,000,000,000	1 Cross Sell Product		IDR 1,000,000	IDR 1,000,000	IDR 2,000,000
   6	Non-Early Bird	IDR 1,000,000,000	2 Cross Sell Product		IDR 1,000,000	IDR 2,000,000	IDR 3,000,000
   7	Non-Early Bird	IDR 1,000,000,000	3 Cross Sell Product		IDR 1,000,000	IDR 3,000,000	IDR 4,000,000
   8	Non-Early Bird	IDR 1,000,000,000	4 Cross Sell Product		IDR 1,000,000	IDR 4,000,000	IDR 5,000,000

Other Terms and Conditions

1. Customers cannot claim rewards from more than one program for the same transaction.
   Example: If a customer participates in both the NTB Privilege 2026 and the ORI029 IPO Program, the cashback reward will only be credited for the program offering the higher cashback value.

2. Cashback rewards will be credited to the account used by the customer to purchase ORI029.

3. Customers are fully responsible for any applicable tax obligations related to the cashback received, in accordance with prevailing tax regulations in Indonesia.

4. Cashback will be disbursed no later than 45 (forty-five) business days after the settlement of ORI029, based on the schedule provided by the Ministry of Finance and subject to successful transaction completion and recording in Bank Danamon’s system.