Program New to Privilege

The program runs from 1 November 2025 to 30 November 2025 ("Program Period").

This program applies to customers who meet the following criteria ("Customers"):

1. Prospective new individual customers who have never had an account with Bank Danamon before, or
2. Individual customers who already have an account with Bank Danamon (existing to bank) but have not been registered with the Privilege service for the past 6 months.

1. Every Customer participating in this Program must first register by completing and signing the Form
2. Customers must read and understand the General Terms and Conditions of the Program.
3. Bank Danamon reserves the right at any time to refuse or cancel a Customer's participation in this Program if the Customer does not meet the General Terms and Conditions of the Program.
4. Customers may only register one (1) Danamon LEBIH PRO or Danamon LEBIH PRO iB account for the Program, and may not be participating in any other customer acquisition programs (new customer account opening) organised by Bank Danamon.
5. Customers are required to deposit funds and/or in the currency in accordance with the selected Program scheme as stated in the Form and the General Terms and Conditions of the Program.
6. Customers are required to register as Danamon Privilege customers by filling out the Form.
7. The following are the fund placement schemes that Customers can choose from
   1. Rupiah (IDR) Savings Placement Scheme with Cashback/MAP E-Voucher rewards
      

      Amount of Blocked Savings Funds	Cashback Reward / E-Voucher MAP (Net)2) (IDR))		Customers Choose One of 2 Add On Options		Additional Cashback/ E-Voucher MAP4) (IDR)
      	3 Months Tenor	6 Months Tenor	Add On #1 Option– Additional Product Purchase3)	Add On #2 Option – Monthly Routine Bill Payment (Bill Payment)
      IDR 250,000,0001)	IDR 1,750,000	IDR 3,550,000	-	-	-
      IDR 500,000,000	IDR 3,550,000	IDR 7,150,000	Make a purchase or place an order for a minimum of IDR 50,000,000 on one of the following products: 1) Mutual Funds 2) Bancasurrance 3) FX Transactions 4) Bonds	Minimum 1x Regular Bill Payment using Danamon Credit Card	IDR 2,125,0006)
      IDR 1,000,000,000	IDR 6,850,000	IDR 13,750,000			IDR 4,300,000
      IDR 2,000,000,000	IDR 13,800,000	IDR 27,650,000			IDR 8,600,000
      IDR 3,000,000,000	IDR 20,800,000				IDR 13,000,000
      IDR 4,000,000,000	IDR 27,800,000				IDR 17,500,000
      IDR 5,000,000,000	IDR 35,000,000				IDR 21,900,000

   2. USD Currency Savings Placement Scheme with Cashback Rewards
      

      Amount of Blocked Savings Funds	Cashback Reward / E-Voucher MAP (Net)(2) (USD)5)	Customers Choose One of 2 Add On Options		Additional Cashback / E-Voucher MAP4) (USD)5)
      	3 Months Tenor	Add On #1 Option– Additional Product Purchase3)	Add On #2 Option – Monthly Routine Bill Payment (Bill Payment)
      USD 20,0001)	60	-	-	-
      USD 40,000	130	Make a purchase or place an order for a minimum of IDR 50,000,000 on one of the following products: 1) Mutual Funds 2) Bancasurrance 3) FX Transactions 4) Bonds	Minimum 1x Regular Bill Payment using Danamon Credit Card	140
      USD 80,000	200			300

   3. Rupiah (IDR) Savings Placement Scheme with D-Point rewards
      

      Amount of Blocked Savings Funds	D-Point Rewards		Customers Choose One of 2 Add On Options		Additional D-Point Rewards4)
      	3 Months Tenor	6 Months Tenor	Add On #1 Option– Additional Product Purchase3)	Add On #2 Option – Monthly Routine Bill Payment (Bill Payment)
      IDR 250,000,0001)	140,000	280,000	-	-	-
      IDR 500,000,000	280,000	570,000	Make a purchase or place an order for a minimum of IDR 50,000,000 on one of the following products: 1) Mutual Funds 2) Bancasurrance 3) FX Transactions 4) Bonds	Minimum 1x Regular Bill Payment using Danamon Credit Card	160,000
      IDR 1,000,000,000	550,000	1,090,000			340,000
      IDR 2,000,000,000	1,110,000	2,220,000			690,000
      IDR 3,000,000,000	1,670,000				1,048,000
      IDR 4,000,000,000	2,240,000				1,410,000
      IDR 5,000,000,000	2,820,000				1,760,000

   4. USD Savings Placement Scheme with D-Point rewards
      

      Amount of Blocked Savings Funds	D-Point Rewards	Customers Choose One of 2 Add On Options		Additional D-Point Rewards4)
      	3 Month Tenor	Add On #1 Option– Additional Product Purchase3)	Add On #2 Option – Monthly Routine Bill Payment (Bill Payment)
      USD 20,0001)	78,000	-		-
      USD 40,000	172,000	Make a purchase or place an order for a minimum of IDR 50,000,000 on one of the following products: 1) Mutual Funds 2) Bancasurrance 3) FX Transactions 4) Bonds	Minimum 1x Regular Bill Payment using Danamon Credit Card	186,000
      USD 80,000	266,000			398,000

   Explanation:
   1) Only applicable to customers who are registered with the Bank (existing to bank).
   2) Customers who deposit and block funds in their Danamon LEBIH PRO iB account will receive a MAP E-Voucher reward.
   3) Add Ons can be in the form of foreign exchange transactions, purchases of investment products or bancassurance products, or by registering for Bill Payment (Monthly Recurring Bills) on the Customer's Credit Card with 1 successful debit. The minimum transaction or fund placement for investment products or bancassurance products is IDR 50,000,000 (net) or equivalent.
   4) Cashback/D-Points/E-Voucher Add Ons will be given to customers who have already received Cashback/D-Points/E-Voucher rewards for their savings deposits.
   5) For Sharia customers, rewards will be given in the form of MAP E-Vouchers as available. The nominal value of the E-Voucher will follow the exchange rate at the end of the month when the funds are blocked in accordance with the exchange rate recorded in the Bank's system (rounded down).
   6) For rewards in the form of MAP E-Vouchers, the available E-Voucher denominations will be followed and rounded down, so that a reward of IDR 2,125,000 will become IDR 2,100,000.
   Conditions of Program Scheme:
   
   1. For Rupiah (IDR) currency scheme:
      1. The customer has opened a Danamon LEBIH PRO / Danamon LEBIH PRO iB account with active status.
      2. The customer is required to deposit and block funds for Danamon LEBIH PRO/Danamon LEBIH PRO iB savings in Rupiah (IDR) with a tenor of 3 (three) or 6 (six) months, namely: i) 30 (thirty) calendar days from the opening of the Danamon LEBIH PRO or Danamon LEBIH PRO iB account, for new individual customers (new to bank); and ii) in the same month as participation in the Programme, for customers who are already registered with Bank Danamon (existing to bank).
   2. For US Dollar (USD) currency scheme:
      1. The customer has opened a Danamon LEBIH PRO / Danamon LEBIH PRO iB account with active status.
      2. The customer is required to deposit and block funds for Danamon LEBIH PRO/Danamon LEBIH PRO iB savings in US Dollars (USD) with a 3 (three) month tenor, namely: i) 30 (thirty) calendar days from the opening of the Danamon LEBIH PRO or Danamon LEBIH PRO iB account, for new individual customers (new to bank); and ii) in the same month as participation in the Programme, for customers who are already registered with Bank Danamon (existing to bank).
   3. Customers who participate in the program with sharia product placement (Danamon LEBIH PRO iB) cannot participate in Add On Option #2 Monthly Bill Payment through Danamon Credit Card.
8. Bank Danamon will block the Customer's account for 3 (three) or 6 (six) months, depending on the selected blocking period.
9. Funds placed and blocked by customers in Danamon LEBIH PRO/Danamon LEBIH PRO iB accounts must be fresh funds, namely: (i) funds deposited in cash through a Bank Danamon branch office; or (ii) funds transferred to a Danamon LEBIH PRO/Danamon LEBIH PRO iB account opened by the customer from another bank account.
10. For Customers who are already registered with the Bank (existing to bank), funds included in the programme are considered fresh funds if there is an addition to the baseline. Fresh funds must be equal to or greater than the nominal deposit and placement of funds in the account for participation in this Programme. The calculation of fresh funds is as follows:
    
    Fresh Funds Calculation = Current Month Balance Total - Baseline
    Current Month Balance :Savings Balance + Giro + Deposit
    Baseline :Average of Savings Balance + Giro + Deposit from the last month prior to program participation
11. Customers are required to activate D-Bank PRO and successfully complete at least 1 (one) QRIS or Danamon Debit Card transaction within 30 (thirty) calendar days from the date of fund blocking in their Danamon LEBIH PRO/Danamon LEBIH PRO iB account.
12. Debit Card transactions applicable to this Program are offline transactions via an EDC machine or online transactions for purchases on e-commerce platforms by entering the 16 (sixteen) digits of the Danamon Bank Debit Card, its expiry date, and CVV number. Only successful QRIS and Danamon Bank Debit Card transactions will be counted in this Program, i.e. when the account balance has been debited for the transaction amount.
13. Customers are not permitted to participate in other programs for the same fund placement.
14. Customers aged 21-65 years old who meet the credit card application criteria (except for customers who open a Danamon LEBIH PRO iB account) are required to apply for a Bank Danamon Credit Card in accordance with the terms and conditions of the credit card product.
15. Customers may participate in the Add On scheme in the form of additional product placement or purchase transactions or register regular Bill Payment transactions on their Credit Card, provided that the Customer has fulfilled the fund placement scheme as referred to in point III.7 of the General Terms and Conditions of the Program, with the following scheme:
    1. Add On Scheme Conditions:
       1. Customers are required to register for regular bill payments on their Bank Danamon credit card or make a deposit or purchase a new additional product with a transaction amount in accordance with the programme scheme stipulated in point III.7 of the General Terms and Conditions of the Program, up to a maximum at the end of the month following the month of the Customer's participation in this Program, with an accumulated transaction value equal to or greater than the minimum requirement.
       2. Additional products that are calculated in accordance with the program scheme stipulated in point III.7 of the Program Terms and Conditions are as follows:
          1. Mutual Funds Product:
             • Minimum fee of 1% nett
             • Excludes Money Market Mutual Funds and Danamon Regular Investment Plan (DRIP)
          2. Government bonds denominated in IDR, both in the primary and secondary markets (no minimum fee)
          3. Bancassurance: Unit-linked investment products
          4. Foreign exchange transactions
          5. Sharia customers are required to purchase Sharia-based Bonds, mutual funds, bonds or bancassurance products
       3. Transactions involving the placement or purchase of additional products or the registration of regular Bill Payment transactions on Danamon Customer Credit Cards made on the date of participation in the Programme (the date of blocking of savings funds) cannot be taken into account in this Program.
       4. Transactions involving the placement or purchase of additional products or the registration of regular Bill Payment transactions on Danamon Customer Credit Cards can be made no later than the end of the month following the month in which the Savings Funds were blocked from the Danamon LEBIH PRO/Danamon LEBIH PRO iB account.
       5. Customers who participate in the programme with sharia products (Danamon LEBIH PRO iB) cannot participate in Add On Option #2 Monthly Recurring Bill Payment through Danamon Credit Cards.
       6. Specifically for the Add On for regular payments (Bill Payment), customers are considered to have fulfilled the requirements if a minimum of 1 (one) successful bill payment transaction is made by the end of the second month after joining the program. The Bill Payment requirements that are taken into account are PLN, Telecommunications, and Internet Bill Payments with billers available at Bank Danamon.
       7. The applicable currency terms and conditions are in accordance with the terms and conditions of Bank Danamon. The minimum foreign exchange transaction requirement will be converted to IDR using the exchange rate applicable in the Bank Danamon system on the day of the transaction.
       8. Customers can only receive cashback once during the Program Period (not applicable for multiples).
       9. Here is an illustration:
          
          Example 1 (FX Transaction)

          500 Million SA Program Scheme (min FX. Equivalent to IDR 50,000,000)
          	Date	Amount
          Blocked Funds	12 November 2025	IDR 500,000,000
          FX #1 Transaction	13 November 2025	Equivalent IDR 50,000,000
          Total Transaction		Equivalent IDR 50,000,000
          Cashback FX Eligibility	Eligible
          Eligibility Reason	The nominal transaction amount meets the minimum requirement, and the transaction period is still within the maximum limit.

          
          Example 2 (FX Transaction)

          1000 SA Program Scheme (min FX equivalent to IDR 50,000,000)
          	Date	Amount
          Blocked Funds	12 November 2025	IDR 1,000,000,000
          FX #1 Transaction	12 November 2025	Equivalent of IDR 25,000,000
          FX #2 Transaction	1 December 2025	Equivalent of IDR 30,000,000
          Total Transaction		Equivalent of IDR 55,000,000
          Cashback FX Eligibility	Not Eligible
          Eligibility Reason	The transaction was equivalent to IDR 50,000,000, but the first transaction was made on the same day as the block, so only IDR 25,000,000 was counted.

          
          Example 3 (Mutual Funds Purchase)

          2000 SA Program Scheme (minimum mutual fund equivalent of IDR 50,000,000)
          	Date	Amount
          Blocked Funds	12 November 2025	IDR 2,000,000,000
          Pembelian Reksa Dana #1	13 November 2025	IDR 25,000,000
          Pembelian Reksa Dana #2	15 November 2025	IDR 100,000,000
          Total Product Purchase		IDR 125,000,000
          Additional Product Cashback Eligibility	Eligible
          Eligibility Reason	The nominal purchase of the product has met the minimum requirement and is still being carried out before the end of the following month.

          
          Example 4 (Bill Payment Registration)

          3000 SA Program Scheme (minimum 1 successful bill payment debit)
          	Date	Amount
          Blocked Funds	12 November 2025	IDR 3,000,000,000
          Bill Payment Registration on Customer Credit Card	27 November 2025
          Successful Bill Payment Debit	25 December 2025	Rp500.000
          Bill Payment Registration Eligibility	Eligible
          Eligibility Reason	Bill Payment registration is carried out within the minimum limit, and the Bill Payment transaction is successfully debited.

16. Rewards Terms and Conditions:
    1. The nominal value of the prize has been deducted for tax purposes and is borne by Bank Danamon.
    2. The main reward in the form of Cashback, E-vouchers or D-Points will be given within a maximum of 45 (forty-five) working days after all General Terms and Conditions of the Program have been fulfilled by the Customer. Rewards for foreign exchange or additional product purchases will be sent to the Customer no later than 45 (forty-five) working days after the main cashback reward or D-Points or E-vouchers have been sent and all General Terms and Conditions of the Program have been fulfilled by the Customer. Specifically, add-on rewards for regular Bill Payment transactions on the Customer's Credit Card will be given within a maximum of 45 (forty-five) working days from the successful first regular bill debit and once all General Terms and Conditions of the Program have been fulfilled by the Customer.
    3. Cashback in Rupiah currency will be credited to the Danamon LEBIH PRO IDR account that is included in the program and is active. Cashback in USD will be credited to the Danamon LEBIH PRO USD account that is enrolled in the program and is active.
    4. Specifically for participation in the program with Danamon LEBIH PRO iB products, rewards in the form of MAP E-vouchers will be given to Customers via email/SMS to the email address or mobile phone number registered in the bank's system.
    5. D-Point rewards will be credited to the Customer's D-Point Savings account. Customers can only redeem D-Point rewards in accordance with the conversion value applicable on the day of the point redemption transaction.
    6. Cashback rewards are subject to tax in accordance with the applicable tax regulations in Indonesia. Customers are required to provide valid 15 (fifteen) digit NPWP information or NIK that is valid as NPWP. Proof of tax deduction (Final Income Tax) can be obtained through Bank Danamon branch offices.
    7. Customers agree that funds placed in savings accounts with returns above the maximum interest rate guaranteed by the Indonesia Deposit Insurance Corporation (LPS) are not guaranteed by the Indonesia Deposit Insurance Corporation (LPS). Rewards received by customers are also calculated as a component of the maximum guaranteed interest rate. Customers can find out about changes to the maximum guaranteed interest rate through a Bank Danamon branch office or through Hello Danamon (1 500 900) or by email at hellodanamon@danamon.co.id.
17. Customers may cancel their participation and unblock funds in this Program by visiting the Bank Danamon branch where they registered for the Program and signing the Program Cancellation Form. Upon cancellation of the Program, customers will be charged a penalty fee of:
    1. Danamon LEBIH PRO: a penalty of 5% (five percent) of the Blocked Funds Amount
    2. Danamon LEBIH PRO iB: compensation or reimbursement of the reward value (before tax deduction) that should have been received if the Customer did not cancel their participation in the Program
    3. The penalty/compensation (reimbursement of reward costs) will be paid by the Customer in a lump sum by Bank Danamon debiting the Customer's account used to participate in the Program at Bank Danamon. The Customer agrees and authorises Bank Danamon to debit the penalty/compensation (reimbursement of reward costs).
18. The Customer shall be fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the Customer's participation and/or cancellation of participation in this Program.

1. The Customer hereby authorises Bank Danamon to: (i) block and unblock funds in accordance with the Form and the General Terms and Conditions of the Program; and/or (ii) debit the Customer's account at Bank Danamon for the payment of penalties/reimbursement of gift costs if the Customer cancels the Program in accordance with the Form and the General Terms and Conditions of the Program.
2. The authorisation granted by the Customer in these General Terms and Conditions of the Program is granted to the Bank with the right of substitution and as long as the Customer's obligations to the Bank have not been fully fulfilled, such authorisations cannot be revoked or terminated for any reason, including but not limited to the reasons stated in Article 1813 (termination of authority: by the revocation of the authority by the authorised person; by notification of termination of authority by the authorised person; by the death, incapacity or bankruptcy of the principal or the authorised person), 1814 (the Principal may revoke the authority whenever he/she so desires, and if there are grounds for doing so, compel the attorney to return the power of attorney held by him) and 1816 (the appointment of a new attorney to carry out the same matter shall result in the revocation of the first power of attorney, effective from the date of notification to the latter of such appointment) The Civil Code and these powers are an integral part of the General Terms and Conditions of this Program.

1. Customers can submit complaints about banking products/services either verbally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
2. For insurance product complaints, please contact the Manulife Indonesia contact centre at (021) 25557777 or 0800 1 606060 (toll-free and specifically for areas outside the Jakarta area code).
3. The procedure for Customer Complaints can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. Investment products (mutual funds/bonds) and insurance marketed by Bank Danamon are investment products (mutual funds/bonds) and insurance marketed in collaboration with Bank Danamon, meaning that these products are not the products and responsibility of Bank Danamon and are not covered by the Indonesia Deposit Insurance Corporation's guarantee program.
2. The General Terms and Conditions of this Program form an integral part of the ‘General Terms and Conditions of Accounts and Banking Services’, ‘General Terms and Conditions of Sharia Accounts and Banking Services’, ‘General Terms and Conditions of Danamon Privilege Services’, "General Terms and Conditions of Danamon Reward Point D -Point‘, ’General Terms and Conditions for Investment Products‘, and ’General Terms and Conditions for D-Bank PRO Services". In the event of any discrepancy or conflict between these provisions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
3. The insurance application process, including the insurance product assessment (underwriting) process, is the authority of the insurance company, so Bank Danamon is not responsible for the insurance company's decision regarding the Customer's application.
4. The use of Bank Danamon's logo and/or attributes on investment products (mutual funds/bonds) and insurance products is solely for the purpose of indicating the cooperation between Bank Danamon and the investment (mutual fund/bond) and insurance companies.
5. The Customer hereby agrees and acknowledges that Bank Danamon has the right to amend/change/supplement the General Terms and Conditions of this Program from time to time. Any changes/additions/updates to the General Terms and Conditions of this Program will be notified through the communication media available at Bank Danamon. In the event of changes to the benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Customer has the right to submit a written objection to Bank Danamon within 30 (thirty) working days from the date of notification of the changes by Bank Danamon through Bank Danamon's communication media. The Customer agrees that the Customer is deemed to have agreed to the changes if the Customer does not submit an objection within the specified period. If the Customer does not agree to the changes, the Customer has the right to cancel their participation in the Programme by first settling all of the Customer's obligations to Bank Danamon (if any).
6. The verification and approval process for opening banking products and/or services is entirely at the discretion of Bank Danamon.
7. The Customer declares that there are no and will be no transactions that indicate money laundering and/or other transactions that are not permitted under the applicable laws and regulations in Indonesia.
8. If there are indications of fraud, cheating, transaction irregularities, unusual transactions, money laundering and/or actions that are not in accordance with laws and regulations, Bank Danamon has the right to cancel the transaction, cancel participation in the Program, and/or the provision of Program benefits to the Customer concerned. Customers remain obligated to settle all their obligations to Bank Danamon (if any).
9. If any provision in these General Terms and Conditions of the Program is prohibited or cannot be implemented or becomes invalid or is declared null and void by a government or court ruling, this shall not affect the validity of the other provisions in these General Terms and Conditions of the Program, and the other provisions shall remain valid and binding and can be implemented as stipulated in these General Terms and Conditions of the Program.
10. The General Terms and Conditions of this Program have been adjusted to comply with the provisions of laws and regulations, including the provisions of the Financial Services Authority (OJK).
11. Bank Danamon is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a participant in the Indonesia Deposit Insurance Corporation (LPS).