Program WOW Offer Top Up Balance

The program shall be conducted during the period from 1 to 31 October 2025 (“Program Period")

This program is applicable to individual customers who are registered with Bank Danamon (existing to bank) and are registered as Privilege or Optimal customers (“Customers”).

1. Each Customer participating in this program must first register by completing and signing the Form.
   
2. 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 this Program.
   
3. Customers are to be responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this program.
   
4. Customers must have an active Danamon LEBIH PRO/Danamon LEBIH PRO iB account with Bank Danamon at the time of or before filling out and signing the Form.
   
5. Customers may only participate with 1 (one) savings account and must not be participating in the Wow Offer Top Up Balance program at Bank Danamon during the previous program period.
   
6. Customers must deposit and block funds in their savings account in accordance with the scheme, amount of funds blocked, period of funds blocked, cashback, and penalties/return of gift costs as follows:

Optimal Segment – Cashback/e-Voucher MAP reward specifically for Sharia customers

Optimal Segmen – D-Point Reward

Privilege IDR Segment – Cashback/e-Voucher MAP rewards specifically for Sharia customers

Privilege IDR Segment – D-Point Rewards

*) Customers can only redeem D-Points rewards according to the conversion value applicable on the day of the point redemption transaction

Privilege USD Segment – Cashback Reward/MAP e-Voucher (Exclusively for Danamon LEBIH PRO iB)

*) For prizes in the form of MAP e-vouchers, prizes will be rounded down to the nearest IDR 50,000 denomination.

Privilege USD Segment – D-point Rewards

*) Customers may only redeem D-Points rewards in accordance with the conversion rate applicable on the day of the point redemption transaction

7. Customers are only permitted to choose one program scheme that matches their customer segment and one type of reward (cashback/D-points/e-voucher)
   
8. For e-voucher MAP rewards, they are issued in denominations of IDR 50,000. For e-voucher MAP rewards, they are issued in denominations of IDR 50,000
9. Rewards are not cumulative.
   
   
10. All funds included in this program must be fresh funds, i.e 
    (i) funds deposited in cash through a Bank Danamon branch office; or  
    (ii) funds transferred to the customer's account at Bank Danamon from another bank account
    (iii) there is an increase in funds compared to the baseline. 
    
    The calculation of incremental fresh funds is as follows: 
    
    

    Current month balance	: Savings balance + Current account balance + Deposit balance + Investment balance
    Baseline	: Savings Balance + Current Account + Deposits + Investment Balance 1 month prior to the placement month

11. Bank Danamon will block the Savings Fund Blocking Amount in accordance with the Savings Fund Blocking Period selected by the Customer.
    
12. Customers can 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, the Customer will be charged a penalty/gift return fee in accordance with the amount stated in the penalty/reward return fee section of the Form and the General Terms and Conditions of the program, as well as the penalty/reward return fee applicable to the disbursement of funds before maturity in accordance with the applicable product terms and conditions. The penalty fee/reward return fee shall be paid by the Customer in a lump sum by Bank Danamon debiting the Customer's account at Bank Danamon.
    
13. The Customer has the opportunity to receive additional rewards by meeting the following Add On transaction requirements: 

a. Segment Optimal Add On

*) For add-ons with Danamon LEBIH PRO iB products, the rewards that can be selected are MAP e-vouchers or D-Points. For MAP e-vouchers, the denomination is IDR 50,000 and the reward is rounded down. For Danamon LEBIH PRO products, only cashback or D-Points are allowed as rewards.
Example:
At Tiering TUB50, the prize is IDR 144,000 for a MAP e-voucher, and the customer receives IDR 100,000.

b. Privilege Add-On Segment

*) For add-ons with Danamon LEBIH PRO iB products, the rewards that can be selected are MAP e-vouchers or D-Points. For MAP e-vouchers, the denomination is IDR 50,000 and the reward is rounded down. For Danamon LEBIH PRO products, only cashback or D-Points are allowed as rewards.

1. Customers must make an Add-On transaction at D-Bank PRO/Bank Danamon branch office with a total nominal value as stipulated in the table above or register a minimum of 1 (one) biller on their credit card.
   
2. Add-on transactions that are counted are those made on the calendar day following the date of the savings account funds block and no later than the last calendar day of the month following the month of the customer's participation in this program.
   
3. Additional rewards for Add On transactions will follow the main reward received by the customer, as illustrated below:
   i. If the Customer receives a cashback reward, then in the event the Customer is eligible for an Add On transaction, the additional reward for the Add On transaction received is cashback (cannot be D-Points or other types of rewards)
   ii. If the Customer receives a reward in the form of D-Points, then if the Customer is eligible for an Add On transaction, the additional reward for the Add On transaction received will be D-Points (not cashback or other types of rewards).
   
4. For the Danamon LEBIH PRO iB product, Add On transactions for Credit Cards and purchases of conventional products (cross-product) are not permitted
   
5. Program Participation Illustration: 

Program Participation Illustration:

Example 1

Example 2

Example 3

Example 4

1. Add-on transactions made on the same date as participation in the program (the date of savings account funds blocking) cannot be counted towards the additional cashback scheme.
2. The applicable currency terms and conditions are in accordance with the terms and conditions of Bank Danamon.
3. Additional cashback is not cumulative.
4. Customers can only receive additional cashback once during the program Period.
5. For the USD scheme, the cashback is provided in IDR to the customer's Danamon LEBIH PRO Savings Account

1. Customers who meet the General Terms and Conditions of the program will receive a reward in the form of cashback/D-Points/MAP e-vouchers according to the scheme selected by the Customer. If the Customer does not meet the General Terms and Conditions of the program, the Customer will not receive a reward.
   
2. The net reward amount has been deducted for tax, which is borne by Bank Danamon, provided that the customer has a valid 16-digit NIK (National Identification Number) registered in the Bank Danamon system that has been matched with the taxation system. Proof of tax deduction on rewards can be obtained through Bank Danamon branch offices.
   
3. The reward will be credited to the Customer's account listed on the Form no later than 45 (forty-five) working days after all General Terms and Conditions of this Program have been fulfilled. Rewards for add-on transactions will be sent to the Customer no later than 45 (forty-five) working days after the first reward has been sent and all General Terms and Conditions of this Program have been fulfilled by the Customer.
   
4. MAP E-Vouchers will be sent via email or SMS in accordance with the information listed on the Form and the Bank Danamon system no later than 45 (forty-five) working days after all General Terms and Conditions of this Program have been fulfilled. Prizes for add-on transactions will be sent to Customers no later than 45 (forty-five) working days after the first prize is sent and all General Terms and Conditions of this Program are fulfilled by the Customer.
   
5. The Customer understands and agrees that rewards related to Savings Funds will be calculated as the amount of interest received by the Customer on Savings and deposits. Therefore, if the amount of rewards and interest received by the Customer exceeds or is above the maximum guaranteed interest rate set by the Indonesian Deposit Insurance Corporation for savings and deposits, the excess portion will not be guaranteed by the Indonesian Deposit Insurance Corporation. Customers may inquire about changes to the maximum guaranteed interest rate at any Danamon Bank branch or through Hello Danamon.

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/return of prizes 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 the General Terms and Conditions of this 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 principal; by notification of termination of authority by the principal; by the death, incapacity or bankruptcy of the principal or the agent), 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 may submit complaints regarding 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. The procedure for Customer Complaints can be accessed via the website https://www.danamon.co.id/en/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. The General Terms and Conditions of this Program form an integral part of the "General Terms and Conditions of Accounts and Banking Services" or "General Terms and Conditions of Sharia Accounts and Banking Services", "General Terms and Conditions of Time Deposits", and "General Terms and Conditions of D-Bank PRO". 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.
2. The Customer hereby agrees and acknowledges that Bank Danamon reserves 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 such 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 that period. If the Customer does not agree to the changes, the Customer has the right to cancel their participation in the program by first settling all of the Customer's obligations to Bank Danamon (if any).
3. 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.
   
4. The Customer agrees that the placement of funds in a savings account with a return above the maximum guarantee interest rate set by the Deposit Insurance Corporation is not guaranteed by the Deposit Insurance Corporation. The rewards received by the Customer are also calculated as a component of the maximum guarantee interest rate. Customers can find out about changes to the maximum guaranteed interest rate through Bank Danamon branches or through Hello Danamon (1 500 900) or by email at hellodanamon@danamon.co.id
5. 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 reserves the right to cancel the transaction, cancel participation in the program, and/or the provision of program benefits to the Customer concerned. The Customer remains obligated to settle all outstanding obligations to Bank Danamon (if any).
6. If any provision in these General Terms and Conditions of this 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 this Program, and the other provisions shall remain valid and binding and can be implemented as stipulated in these General Terms and Conditions of this Program.
7. 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) and the provisions on guarantee interest based on the regulations of the Indonesian Deposit Insurance Corporation (LPS).
8. 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).

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.