Program New to Privilege

The program runs from 1 April 2026 until 30 April 2026 ("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. The Customer is required to read and fully understand the General Terms and Conditions of the Program.
2. The Customer is required to complete and sign the Program Participation Form prior to participating in the Program.
3. Bank Danamon reserves the right, at any time, to reject or cancel the Customer's participation in this Program if the Customer does not meet the General Terms and Conditions of the Program.
4. Each Customer may only register one (1) Danamon LEBIH PRO account or Danamon LEBIH PRO iB account for the Program and must not be concurrently participating in any other acquisition program (new customer account opening) organized by Bank Danamon.
5. The Customer is required to register as a Danamon Privilege Customer.
6. To be eligible for the reward, the Customer is required to place and block funds in their Danamon LEBIH PRO/Danamon LEBIH PRO iB account in accordance with the provisions set out in the table below ("Main Reward"):

   Currency	Blocked Funds Amount	Main Reward Cashback**) / E-Voucher MAP***)			Main Reward D-Point**)
   		3 Months Tenor	4 Months Tenor	6 Months Tenor	3 Months Tenor	4 Months Tenor	6 Months Tenor
   Rupiah	IDR 250.000.000*)	IDR 1.600.000	IDR 2.130.000	IDR 3.225.000	122,000	162,000	246,000
   	IDR 500.000.000	IDR 3.250.000	IDR 4.330.000	IDR 6.525.000	248,000	330,000	498,000
   	IDR 1.000.000.000	IDR 6.250.000	IDR 8.350.000	IDR 12.650.000	476,000	636,000	964,000
   USD	USD 20.000*)	50	66	-	62,000	82,000	-
   	USD 40.000	110	147	-	138,000	184,000	-
   	USD 80.000	160	213	-	200,000	268,000	-

   *) Only applicable to Customers who already hold an account with Bank Danamon (existing to bank) but have not been registered under the Privilege Service for the last six (6) months.
   **) Customers who hold a Danamon LEBIH PRO account may choose to participate in the Program with rewards in the form of cashback or D‑Point.
   ***) Customers who hold a Danamon LEBIH PRO iB account may only receive rewards in the form of MAP E‑Vouchers.

7. The funds placed and blocked by the Customer in the Danamon LEBIH PRO/Danamon LEBIH PRO iB account must be in the form of fresh funds, in accordance with the amount to be blocked as stated in the selected Scheme (referring to point III.7), which must be credited to the Danamon LEBIH PRO/Danamon LEBIH PRO iB account through transfers originating from accounts held with other banks.
8. The combined average balance of all of the Customer's savings with Bank Danamon, which includes savings accounts, current accounts, and time deposits ("Combined Balance"), on the Program participation date must increase compared to the Combined Balance as of the last day of the calendar month preceding the month of Program participation.
9. For New to Bank Customers, the Customer is required to perform the fund blocking no later than thirty (30) calendar days from the opening date of the Danamon LEBIH PRO/Danamon LEBIH PRO iB account.
10. For Customers who are already registered with Bank Danamon (existing to bank), the following provisions shall apply:
    1. The Customer is required to perform the fund blocking within the same month as the Program participation.
    2. From the Program participation date until the last day of the month of Program participation, the Customer must maintain the Combined Balance at no less than the Combined Balance as of the last day of the calendar month preceding the month of Program participation plus the amount of funds placed under the Program. If during such period the Customer's Combined Balance decreases to an amount lower than the required level, the Customer shall be deemed not to have fulfilled the Program requirements, and Bank Danamon reserves the right not to grant the Program reward/benefit and/or to cancel the Customer's participation in the Program.
11. Customers are required to activate D‑Bank PRO within thirty (30) calendar days from the date of fund blocking in the Danamon LEBIH PRO/Danamon LEBIH PRO iB account.
12. Customers are not permitted to participate in other programs using the same blocked funds.
13. Specifically for Customers who hold a Danamon LEBIH PRO account, are aged between 21 and 65 years, and meet the eligibility criteria for credit card application, the Customer is required to submit an application for a Bank Danamon Credit Card, subject to the general terms and conditions of Bank Danamon credit card products.
14. Provisions regarding currency, including currency conversion and the applicable exchange rates, shall refer to and be subject to the prevailing provisions of Bank Danamon.
15. Customers who have participated in this Program are eligible to receive additional rewards in the form of Cashback, MAP E‑Vouchers, or D‑Point ("Additional Rewards"), subject to the following terms and conditions:
    1. The Customer is required to carry out at least one of the following transactions ("Add-On Transactions"):
       1. Purchase of Mutual Fund Products with a minimum amount of IDR 50,000,000.00 (fifty million Rupiah), subject to the following conditions:
          1. A minimum net service fee of 1%; and
          2. Excluding Money Market Mutual Funds and the Danamon Regular Investment Plan (DRIP).
       2. Purchase of Bond Products with a minimum amount of IDR 50,000,000.00 (fifty million Rupiah), offered either in the Primary Market (Initial Public Offering) or the Secondary Market.
       3. Purchase of Insurance Products in cooperation with Bank Danamon (both Unit Link bancassurance products) with a minimum annual premium of IDR 50,000,000.00 (fifty million Rupiah).
       4. Foreign exchange trading transactions, whether buying or selling, with a minimum amount of IDR 50,000,000.00 (fifty million Rupiah) or its equivalent, conducted through D-Bank PRO and/or Bank Danamon Branch Offices.
       5. Registration of a minimum of one (1) Bill Payment on a Bank Danamon Credit Card (not applicable to Danamon LEBIH PRO iB account holders) for payments of electricity (PLN), telecommunication, or internet services available on D-Bank PRO.
    2. Specifically for Customers who hold a Danamon LEBIH PRO iB account, Add‑On Transactions may only be conducted in accordance with sharia principles and shall not apply to conventional transactions and/or purchases of conventional products.
    3. Add-On Transactions must be carried out starting from one (1) calendar day after the Program participation date until the last day of the following month.
    4. Specifically for Add‑On Bill Payment Transactions, the Customer shall be deemed to have fulfilled the requirements if the Bill Payment debit is successfully executed at least one (1) time within a period of up to two (2) months after the month of Program participation.
    5. Add-On Transactions conducted on the same date as the fund blocking date (the savings fund blocking date) shall not be taken into account for this Program.
    6. Customers who carry out Add‑On Transactions shall be entitled to receive Additional Rewards in accordance with the blocked funds amount and tenor as stated in the Program Participation Form, as set forth in the table below:

       Currency	Blocked Funds Amount	Additional Reward Cashback / E-Voucher MAP			Additional Reward D-Point
       		3 Months Tenor	4 Months Tenor	6 Months Tenor	3 Months Tenor	4 Months Tenor	6 Months Tenor
       Rupiah	IDR 250.000.000	-	-	-	-	-	-
       	IDR 500.000.000	IDR 2.200.000	IDR 2.925.000	IDR 2.200.000	160,000	222,000	160,000
       	IDR 1.000.000.000	IDR 4.400.000	IDR 5.850.000	IDR 4.400.000	334,000	444,000	334,000
       USD	USD 20.000	-	-	-	-	-	-
       	USD 40.000	190	254	-	239,000	318,000	-
       	USD 80.000	400	535	-	503,000	672,000	-

16. Customers may cancel their participation and request the unblocking of funds under this Program by visiting the Bank Danamon branch where the Customer registered for participation in the Program, and the Customer is required to complete and sign the Program Participation Cancellation Form. Upon cancellation of the Program, the Customer shall be subject to a penalty/compensation fee as follows:
    1. Danamon LEBIH PRO: a penalty of 5% (five percent) of the Amount of Blocked Funds.
    2. Danamon LEBIH PRO iB: compensation or reimbursement of the reward cost in the amount equivalent to the value of the reward (before tax deduction) that would have been received had the Customer not cancelled participation in the Program.
    3. The penalty/compensation fee (reimbursement of reward cost) shall be payable by the Customer in a lump sum, by means of debiting the Customer's account used to participate in the Program at Bank Danamon. The Customer hereby agrees and authorizes Bank Danamon to debit such penalty/compensation fee (reimbursement of reward cost).
17. The Customer shall be fully responsible for all risks of loss, demands, lawsuits, and/or claims arising from or in connection with the Customer's participation in and/or cancellation of participation in this Program.

1. Customers who participate in the Program using a Danamon LEBIH PRO account may choose one type of Main Reward, either in the form of cashback or D‑Point.
2. Customers who participate in the Program using a Danamon LEBIH PRO iB account shall receive the Main Reward in the form of MAP e‑vouchers.
3. Specifically for Main Rewards and/or Additional Rewards ("Rewards") in the form of MAP e‑vouchers, the Reward value shall be granted in denominations of IDR 50,000.00 (fifty thousand Rupiah), rounded down to the nearest denomination.
4. Cashback Rewards shall be credited in Indonesian Rupiah (IDR) to the Danamon LEBIH PRO savings account registered under the Program, subject to the following provisions:
   1. The Main Cashback Reward shall be credited no later than forty‑five (45) business days after all General Terms and Conditions of the Program have been fulfilled.
   2. The Additional Cashback Reward (if any) shall be credited no later than forty‑five (45) business days after the Main Cashback Reward has been credited and all General Terms and Conditions of the Program have been fulfilled by the Customer.
5. D-Point Rewards shall be credited to the D‑Point account linked to the Customer's Debit Card/ATM, subject to the following provisions:
   1. The Main D‑Point Reward shall be credited no later than forty‑five (45) business days from the last day of the month of Program participation, after all General Terms and Conditions of the Program have been fulfilled.
   2. The Additional D‑Point Reward (if any) shall be credited no later than forty‑five (45) business days after the Main D‑Point Reward has been credited and all General Terms and Conditions of the Program have been fulfilled by the Customer.
   3. Specifically for the Additional Reward under Add‑On Option #3 – Credit Card or Debit Card Transactions, D‑Point Rewards shall be credited to the Customer's Credit Card‑based D‑Point account (for Customers using a Credit Card) or Debit Card/ATM‑based D‑Point account (for Customers using a Debit Card).
6. MAP e‑voucher Rewards shall be delivered to the Customer via email and/or SMS based on the Customer data recorded in the Bank's system, subject to the following provisions:
   1. The Main MAP e‑voucher Reward shall be delivered no later than forty‑five (45) business days after all General Terms and Conditions of the Program have been fulfilled.
   2. The Additional MAP e‑voucher Reward (if any) shall be delivered no later than forty‑five (45) business days after the Main Reward has been delivered and all General Terms and Conditions of the Program have been fulfilled by the Customer.
7. Additional Reward Provisions:
   1. Additional Rewards under Add‑On Option #1 – Purchase of Additional Products shall be granted no later than forty‑five (45) business days after the Main Reward has been credited and all General Terms and Conditions of the Program have been fulfilled by the Customer.
   2. Additional Rewards under Add‑On Option #2 – Monthly Recurring Bill Payment shall be granted no later than forty‑five (45) business days after the first successful debit of the recurring bill payment and all General Terms and Conditions of the Program have been fulfilled by the Customer.
   3. Additional Rewards under Add‑On Option #3 – Credit Card or Debit Card Transactions shall be granted forty‑five (45) business days after the last day of the transaction month or the observation month of the average savings balance, provided that all General Terms and Conditions of the Program have been fulfilled by the Customer.
8. Rewards are not cumulative and cannot be multiplied.
9. Customers may only receive one (1) Additional Reward from Add‑On Transactions during the Program Period.
10. If the Customer does not fulfill the General Terms and Conditions of the Program, the Customer shall not be entitled to receive any Reward.
11. Bank Danamon shall apply the prevailing taxation regulations to this Program. Any tax obligations arising from the Program (if any) shall be borne according to the respective responsibilities of Bank Danamon and the Customer in accordance with applicable tax laws and regulations.
12. Customers understand and agree that Rewards received in connection with the Program shall be treated as interest income earned on savings and deposit placements. Accordingly, if the total value of Rewards and interest received exceeds the maximum interest rate guaranteed by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan) for savings and deposits, the excess portion shall not be guaranteed. Customers may obtain information regarding changes to the maximum guaranteed interest rate through Bank Danamon branches or Hello Danamon.

Example 1 – Simulation of Program Participation for Existing-to-Bank Customers using the Danamon LEBIH PRO product.

Example 2 – Simulation of Program Participation for New-to-Bank Customers using the Danamon LEBIH PRO iB product

Example 3 – Simulation of Program Participation for New-to-Bank Customers using the Danamon LEBIH PRO product

1. The Customer will not receive the Reward if they do not fulfill the General Terms and Conditions of the Program.
2. The Customer is required to pay a penalty or reward reimbursement fee if they cancel their participation in the Program, with the penalty or fee as stipulated under Section III, Point 19 of the General Terms and Conditions of the Program.
3. The Customer agrees that the placement of funds in a savings account with a return exceeding the maximum guaranteed interest rate set by the Deposit Insurance Corporation (Lembaga Penjaminan Simpanan) is not guaranteed by the Deposit Insurance Corporation. The Reward received by the Customer is also considered as part of the maximum guaranteed interest rate component.

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 irregularities related to this Program are found or if there is perceived fraudulent activity, Program Participants are advised to immediately report it through Hello Danamon.
10. The headings and terms used in these General Terms and Conditions of the Program are intended solely to facilitate understanding of the content of these General Terms and Conditions. If any provision of these General Terms and Conditions is prohibited or unenforceable or becomes invalid or void under any government regulation or court decision, this shall not affect the validity of the other provisions in these General Terms and Conditions, and the remaining provisions shall remain in full force and effect and enforceable as specified in these General Terms and Conditions.
11. 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.
12. Bank Danamon is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a participant in the Indonesia Deposit Insurance Corporation.

Customers must be cautious of fraud committed by individuals acting on behalf of Bank Danamon by promising gifts of any kind. Any fraud or other criminal acts committed by other parties/third parties associated with or acting on behalf of the Program are beyond the authority of Bank Danamon.