Program Akuisisi Nasabah Baru Segmentasi Optimal

The Program is valid from 1 August 2026 until 31 August 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 Optimal service for the past 6 months.

1. Customers are required to read and understand the General Terms and Conditions of the Program.
2. Customers must first complete and sign the Program Participation Form.
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 comply with the General Terms and Conditions of the Program.
4. Customers may only register one (1) Danamon LEBIH PRO account or Danamon LEBIH PRO iB account for the Program, and must not be participating in any other acquisition program (new customer account opening) organized by Bank Danamon.
5. Customers must deposit and hold funds in their Danamon LEBIH PRO/Danamon LEBIH PRO iB accounts in order to receive the reward, subject to the terms set out in the table below (“Main Reward”)i:

   Amount of Savings Funds Blocked	Cashback Reward**) / E-Voucher MAP (Net) (IDR) ***)	D-Point Reward**)
   	3 Months Tenor	3 Months Tenor
   IDR 25,000,000*)	IDR 100,000	6,800 D-Points
   IDR 50,000,000	IDR 195,000	14,000 D-Points
   IDR 100,000,000	IDR 350,000	26,000 D-Points
   IDR 225,000,000	IDR 700,000	53,400 D-Points

   *) Applies only to customers who already hold an account with Bank Danamon (existing customers) but have not been registered with the Optimal Service for the past 6 months.

   **) Danamon LEBIH PRO account holders may choose to participate in the Program with rewards in the form of cashback or D-Points.

   ***) Danamon LEBIH PRO iB account holders may only receive rewards in the form of MAP E-Vouchers.

6. Funds deposited and held by the Customer in a Danamon LEBIH PRO/Danamon LEBIH PRO iB account must be fresh funds corresponding to the amount to be held, as set out in the Scheme to be followed (referring to clause III.5) into the Danamon LEBIH PRO/Danamon LEBIH PRO iB account, which is carried out by transferring funds to the Customer’s account at Bank Danamon from another bank account.
7. The average combined balance of all the Customer’s deposits and investments at Bank Danamon, comprising savings, current account, time deposit and investment balances (“Combined Balance”), on the date of participation in the Program must show an increase compared to the Combined Balance on the last day of the calendar month preceding the month of participation in the Program.
8. For new customers (new to the bank), customers must place funds on hold for a maximum of 30 (thirty) calendar days from the opening of their Danamon LEBIH PRO/Danamon LEBIH PRO iB account.
9. For customers already registered with Bank Danamon (existing customers), the following provisions apply:
   1. The Customer must place funds on hold in the same month as their enrolment in the Program.
   2. From the date of enrolment in the Program until the last day of the month of enrolment, the Customer must ensure that the Combined Balance remains no less than the Combined Balance on the last day of the month preceding the month of enrolment, plus the amount of funds allocated to the Program. Should the Customer’s Combined Balance fall below the sum of the Combined Balance and the Program placement amount on the date of enrolment in the Program during this period, the Customer shall be deemed ineligible for the Program, and the Bank reserves the right to withhold any Program rewards or benefits and/or to cancel the Customer’s participation in the Program.
10. Customers must activate D-Bank PRO within 30 (thirty) calendar days of the funds in their Danamon LEBIH PRO/Danamon LEBIH PRO iB account being held.
11. Customers are not permitted to participate in any other program relating to the same held funds.
12. Specifically, Danamon LEBIH PRO account holders aged between 21 and 65 years who meet the credit card application criteria must apply for a Bank Danamon Credit Card, subject to the general terms and conditions of Bank Danamon’s credit card products.
13. Provisions regarding currency, including currency conversion and the exchange rates of IDR used, refer to and are subject to the applicable provisions at Bank Danamon.
14. Customers who have participated in this Program are eligible to receive an additional reward in the form of Cashback / D-Points (“Additional Reward”) by carrying out one of the following transactions: Add-On Transaction #1, Add-On Transaction #2, or Add-On Transaction #3, subject to the following conditions:
    1. Add-On #1 Transaction:
       1. Customers must carry out one of the following transactions:
          1. Purchase of mutual fund products with a minimum value of IDR 5,000,000.00 (fifty million rupiah), subject to the following conditions:
             1. A minimum net service fee of 1%; and
             2. This does not apply to Money Market Funds and the Danamon Regular Investment Plan (DRIP).
          2. Purchase of bond products worth a minimum of IDR 5,000,000.00 (fifty million rupiah) offered on the Primary Market (Initial Public Offering) or the Secondary Market.
          3. SLI (Swap-Linked Investment) with a minimum tenor of 1 month and a minimum investment amount in accordance with the product terms.
          4. Purchase of insurance products in partnership with Bank Danamon (bancassurance Unit-Linked and Non-Unit-Linked) with a minimum annual premium of IDR 5,000,000.00 (fifty million rupiah).
       2. Customers using a Danamon LEBIH PRO iB account may only carry out Sharia-based Add-On Transaction #1; this does not apply to transactions or purchases of conventional products.
       3. Add-On Transaction #1 must be carried out within 1 (one) calendar day of the Program enrolment date up to the last day of the following month.
       4. Add-On Transaction #1 carried out on the same date as the funds are held (the date on which the savings funds are held) cannot be counted towards this Program.
       5. Customers who carry out Add-On Transaction #1 will receive an Additional Reward in accordance with the type of Main Reward selected, the amount of funds blocked and the tenor stated in the Program Participation Form, as shown in the following table:

          Amount of Savings Funds Blocked	Cashback Reward / E-Voucher MAP (Net) (IDR )	D-Point Reward
          	3 Months Tenor	3 Months Tenor
          IDR 50,000,000	IDR 430,000	32,000
          IDR 100,000,000	IDR 910,000	68,000
          IDR 225,000,000	IDR 2,300,000	174,000

    2. Add-On #2 Transaction:
       1. Register at least 1 (one) Bill Payment on a Bank Danamon credit card (not applicable to Danamon LEBIH PRO iB account holders) for PLN, telecoms or internet bills available via D-Bank PRO (“Add-On Transaction #2”)
       2. Customers are deemed to have met the requirements if the Bill Payment debit is successfully processed at least 1 (one) time within a period of up to 2 (two) months following the month of Program enrolment.
       3. Add-On Transaction #2 must be carried out on 1 (one) calendar day following the Program enrolment date up to the last day of the following month.
       4. Add-On Transaction #2 carried out on the same date as the funds are blocked (the savings funds blocking date) cannot be counted towards this Program.
       5. Customers who carry out Add-On Transaction #2 will receive an Additional Reward in accordance with the amount of funds blocked and the tenor stated in the Program Participation Form, as per the table set out in point III.14.a.v (the same table as for Add-On Transaction #1).
    3. Add-On #3 Transaction:
       1. Customers must maintain a minimum average monthly savings balance and carry out transactions using their Danamon JCB Precious Credit Card or Danamon Debit Card in order to receive additional rewards in the form of D-Points each month, subject to the following conditions (“Add-On Transaction #3”):

          Average Monthly Savings Balance	Add on Transaction Reward
          	Min. Transaction/Month	D-Point Multiplier (Every IDR 2.500)	Maximum D-Point Reward / Month
          ≥ IDR 50.000.000 - < IDR 100.000.000	IDR 1.500.000	2	8.000
          ≥ IDR 100.000.000 - < IDR 225.000.000	IDR 1.500.000	4	16.000
          ≥ IDR 225.000.000	IDR 1.500.000	9	36.000

          Customers may participate in the terms and conditions of Add-On Transaction #3 and receive an Additional Reward every month for 12 (twelve) months, starting from the first month following the Customer’s enrolment in the Program (M+1 months’ held savings) up to the twelfth month (M+12).

       2. The average savings balance taken into account is the total average balance across all the Customer’s savings accounts, including foreign currency accounts. If the Customer holds a Joint Account, only the account in which the Customer is listed as the primary account holder (the first name listed on the account) will be taken into account. If the Customer’s average savings balance falls below the stipulated threshold and/or does not meet the minimum transaction accumulation for that month, the Customer will not be awarded a Reward even if they meet the minimum transaction requirements.
       3. Where a Customer holds both a Danamon JCB Precious Credit Card and a Danamon Debit Card, and both meet the minimum monthly transaction accumulation requirements, the Customer will only receive the Add-On #3 Transaction Bonus for the Danamon JCB Precious Credit Card. If the Customer does not hold a Danamon JCB Precious Credit Card, only transactions made on the Customer’s Danamon Debit Card each month will be taken into account.
       4. The terms and conditions for calculating the cumulative total for Add-On Transaction #3 using the Danamon JCB Precious Credit Card are as follows:
          1. Transactions are calculated over a period of 1 (one) month, from the 1st to the end of the month, based on the transaction date (including transactions made using the Customer’s supplementary credit card)
          2. Rewards will only be awarded based on the value of credit card transactions within 1 (one) month, excluding cancelled transactions and QRIS transactions funded by a credit card.
          3. Transaction accumulation does not apply to Cash Advance transactions, Bill Payment transactions, Insurance transactions, Money Transfer transactions, Instalment transactions, QRIS transactions funded by a credit card, and/or cancelled transactions.
          4. This does not apply to transactions that are indicated or deemed to be irregular, including but not limited to cash withdrawal transactions, transactions at merchants indicated to be selling products prohibited under applicable Indonesian laws and regulations, and/or transactions that contravene applicable Indonesian laws and regulations.
       5. The terms and conditions for calculating the cumulative total of Add-On #3 transactions using the Danamon Debit Card are as follows:
          1. Purchases/payments made via an EDC machine at any merchant via a POS (Point of Sale); or online or e-commerce purchases/payments at any merchant via a POS (excluding e-wallet apps).
          2. This does not apply to purchase/payment transactions made via ATMs and/or D-Bank PRO.
          3. Rewards will only be awarded based on the cumulative value of Debit Card transactions within 1 (one) month
       6. Specifically for customers participating in the Program using a Danamon LEBIH PRO iB savings account, only transactions made on the customer’s Danamon Debit Card will be counted towards Add-On Transaction #3.
15. Customers may cancel their participation in and unhold funds held under this Program by visiting the Bank Danamon branch where they originally registered for the Program; they must also sign the Programme Withdrawal Form. Upon cancellation of the Program, customers will be charged a penalty/compensation fee amounting to:
    1. Danamon LEBIH PRO: a penalty of 5 per cent (five per cent) of the Blocked Funds Amount.
    2. Danamon LEBIH PRO iB: compensation or reimbursement of the prize cost equivalent to the value of the prize (before tax) that would have been received had the Customer not cancelled their participation in the Program
    3. The penalty fee/compensation (reimbursement of the reward cost) shall be paid by the Customer in a single instalment by means of Bank Danamon debiting the account held in the Customer’s name that was used to participate in the Program at Bank Danamon. The Customer agrees and authorises Bank Danamon to debit the penalty fee/compensation (reimbursement of the reward cost).
16. The Customer shall be fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the Customer’s participation in and/or cancellation of participation in this Program.

1. Customers participating in the Program with a Danamon LEBIH PRO account may choose one of the Main Rewards, namely cashback or D-Points.
2. Customers participating in the Program with a Danamon LEBIH PRO iB account will receive a Main Reward in the form of a MAP e-voucher.
3. Specifically for the Main Reward (“Reward”) in the form of a MAP e-voucher, the value of the Reward will be issued in denominations of IDR 50,000.00 (fifty thousand rupiah), with the value of the Reward rounded down.
4. The following terms and conditions apply to the Main Reward:
   1. The Main Reward in the form of cashback will be credited in Indonesian Rupiah (IDR) to the Danamon LEBIH PRO Savings Account no later than 45 (forty-five) working days after all the General Terms and Conditions of this Program have been met.
   2. The Main Reward in the form of D-Points will be credited to the D-Points account linked to the Customer’s Danamon Debit Card, no later than 45 (forty-five) working days from the last day of the month of participation in the Program, once all the General Terms and Conditions of this Program have been met.
   3. The Main Reward in the form of a MAP e-voucher will be sent via email and/or SMS based on the Customer’s details on record with Bank Danamon, no later than 45 (forty-five) working days after all the General Terms and Conditions of this Program have been met.
5. The following terms and conditions apply to the Add-On Transaction #1 additional rewards:
   1. cashback will be credited in IDR to the customer’s Danamon LEBIH PRO Savings Account, within a maximum of 45 (forty-five) working days after the Grand Prize has been credited and all the General Terms and Conditions of this Program have been met by the customer
   2. D-Points will be credited to the D-Points account linked to the Customer’s Danamon Debit Card, within a maximum of 45 (forty-five) working days after the Main Reward has been credited and all the General Terms and Conditions of this Program have been met by the Customer
6. The following terms and conditions apply to the Add-On Transaction #2 additional rewards:
   1. cashback will be credited in IDR to the customer’s Danamon LEBIH PRO Savings Account within a maximum of 45 (forty-five) working days from the date the first recurring payment is successfully debited and all the General Terms and Conditions of this Program have been met by the customer
   2. D-Points will be credited to the D-Points account linked to the Customer’s Danamon Debit Card, within a maximum of 45 (forty-five) working days from the successful debiting of the first recurring bill and once all the General Terms and Conditions of this Program have been met by the Customer
7. The following terms and conditions apply to the Add-On Transaction #2 additional rewards:
   1. D-Points will be credited to the credit card-based D-Point account (for customers participating in Add-On Transaction Scheme #3 with a Danamon JCB Precious credit card) or the debit card-based D-Point account (for customers participating in Add-On Transaction Scheme #3 using a Danamon debit card).
   2. D-Points will be credited within a maximum of 45 working days following the last day of the transaction month or the average savings balance observation period, provided that the Customer has fulfilled all the General Terms and Conditions of this Program.
   3. Additional rewards, separate from the D-Points, will be awarded to the Customer based on transactions in accordance with the respective terms and conditions of each card for the transactions carried out.
8. Rewards are not cumulative and cannot be multiplied.
9. Customers may only receive one (1) Additional Reward from AddOn 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.

1. Illustration of Program Participation (Fund Blocking) and Add-On Option #1 Transactions – Purchase of Additional Products and Add-On Option #2 – Monthly Recurring Bill Payment.
   
   

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

   	Date	Amount
   Customer’s Combined Balance prior to Program Participation	1 July 2026	Combined Balance Calculation Simulation  1 July 2026: Savings Account Balance: IDR 15,000,000 Current Account Balance: IDR 5,000,000 Fixed Deposit Balance: IDR 25,000,000  Combined Balance 1 – 31 July 2026: Monthly Average Balance of Savings and Current Accounts:                      Average Savings Balance: IDR 15,000,000 x 31 Days = IDR 465,000,000 Average Giro Balance: IDR 5,000,000 x 31 Days = IDR 155,000,000 Total Average Monthly Balance of Savings and Current Accounts: (IDR 465,000,000 + 155,000,000)/31 = IDR 20,000,000 Outstanding Balance of Time Deposit: IDR 25,000,000 Combined Balance: Average Monthly Balance of Savings and Current Accounts + Outstanding Balance on Time Deposits IDR 45,000,000
   Fresh Fund Deposit	4 August2026	IDR 50,000,000
   Program Participation (Fund Blocking) for the IDR 50 Million Tier – 3-Month Tenor	17 August2026	IDR 50,000,000
   Credit Card Application and D-Bank PRO Activation	20 August2026	-
   Add-On Scheme Participation Transaction	20 September2026	PLN bill payment via direct debit: IDR 200,000
   Customer’s Combined Balance during the Observation Period	3 September2026	IDR 55,000,000
   Reward	Not eligible for cashback under both the fund blocking and add-on schemes.
   Explanation	The Customer is not eligible due to a decrease in the Combined Balance after the addition of fresh funds. The required Combined Balance to be maintained should have been IDR 95,000,000. The Add-On Transaction meets the criteria; however, the Customer is not eligible as the Customer did not qualify under the main scheme (fund blocking)

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

   	Date	Amount
   Customer’s Combined Balance prior to Program Participation	1 July 2026	Combined Balance Calculation Simulation  1 July 2026: Savings Account Balance: IDR 20,000,000 Current Account Balance: IDR 30,000,000 Fixed Deposit Balance: IDR 10,000,000  Combined Balance 1 – 31 July 2026: Monthly Average Balance of Savings & Giro: Average Savings Balance: IDR 20,000,000 x 31 Days = IDR 620, 000,000 Average Current Account Balance: IDR 30,000,000 x 31 Days = IDR 930,000,000 Total Average Monthly Savings and Current Account Balance: (IDR 620,000,000 + IDR 930,000,000)/31 = IDR 50,000,000  Outstanding Time Deposit Balance: IDR 10,000,000 Combined Balance: Average Monthly Balance of Savings and Current Accounts + Outstanding Balance of Time Deposits IDR 60,000,000
   Fresh Fund Deposit	10 August 2026	IDR 225,000,000
   Program Participation (Fund Blocking) for the IDR 225 Million Tier – 3-Month Tenor	17 August 2026	IDR 225,000,000
   D-Bank PRO Activation	20 August 2026	-
   Add-On Scheme Participation Transaction	27 August 2026	Purchase of bonds worth IDR 5,000,000 via a branch, relating to a non-Sharia product
   Customer’s Combined Balance during the Observation Period	3 September 2026	IDR 280,000,000
   Reward	Eligible for MAP voucher rewards under the funds-holding scheme; not eligible under the add-on scheme	MAP Voucher IDR 700,000
   Explanation	The Customer is eligible as they fall under the New-to-Bank customer criteria, with no requirement to maintain a Combined Balance and no requirement to apply for a Credit Card. The Add-On Transaction does not meet the criteria as it involves the purchase of a non-sharia product.

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

   	Date	Amount
   Customer’s Combined Balance prior to Program Participation	1 August 2026	Combined Balance Calculation Simulation Savings: - Current account: - Fixed deposit: - Combines Balance: IDR 0
   Fresh Fund Deposit	20 August 2026	IDR 100,000,000
   Program Participation (Fund Blocking) for the IDR 100 Million Tier – 3-Month Tenor	20 August 2026	IDR 100,000,000
   Credit Card Application and D-Bank PRO Activatio	5 September 2026	-
   Add-On Scheme Participation Transaction	29 September 2026	Purchase of JPY equivalent to IDR 5,000,000 via D-Bank PRO
   Customer’s Combined Balance during the Observation Period	3 September 2026	IDR 100,000,000
   Reward	Cashback rewards available for the funds holding scheme and the add-on scheme	Cashback of IDR 350,000 + IDR 910,000 = IDR 1,260,000
   Explanation	The Customer is eligible as they fall under the New-to-Bank customer criteria, have fulfilled the requirements for D-Bank PRO activation and credit card application, and the fund blocking was carried out within 30 days from the account opening date. The Add-On Transaction is eligible as it meets the required criteria and was conducted within the observation period.

2. Illustration of Program Participation (Fund Blocking) and Add-On Option #3 Transactions – Credit Card or Debit Card Transactions;

   Customer Participates in the New to Optimal Program by Blocking IDR 50 Million for a 3-Month Period in July 2026
   Month Number	Month	Average Savings Balance	Cumulative Eligible Transactions on the Customer’s Credit Card or Debit Card	D-Point Multiplier (Every IDR 2,500)	D-Point acquired	Eligibility Reason
   0	July 2026	IDR 65,000,000	IDR 2,000,000	-	-	Not eligible for the Add-On reward as the transaction was performed during the fund blocking month
   1	August 2026	IDR 65,000,000	IDR 12,000,000	2	8.000	Eligible and entitled to receive the maximum D-Point reward
   2	September 2026	IDR 60,000,000	IDR 5,000,000	2	4.000	Eligible and entitled to receive the applicable multiplier based on the total cumulative transaction amount
   3	October 2026	IDR 75,000,000	-	-	-	Not eligible as the Customer did not perform any transaction
   4	November 2026	IDR 50,000,000	IDR 10,000,000	2	8.000	Eligible and entitled to receive the maximum D-Point reward
   5	December 2026	IDR 150,000,000	IDR 15,000,000	4	16.000	Eligible and entitled to receive the maximum D-Point reward.
   6	January 2027	IDR 150,000,000	IDR 500,000	-	-	Not eligible as the cumulative transaction amount did not meet the program’s minimum requirement
   7	February 2027	IDR 230,000,000	IDR 8,000,000	9	28.800	Eligible and entitled to receive the applicable multiplier based on the total cumulative transaction amount
   8	March 2027	IDR 45,000,000	IDR 10,000,000	-	-	Not eligible as the Customer’s average savings balance was below IDR 50,000,000
   9	April 2027	IDR 50,000,000	IDR 50,000,000	2	8.000	Eligible and entitled to receive the maximum D-Point reward
   10	May 2027	IDR 10,000,000	IDR 5,000,000	-	-	Not eligible as the Customer’s average savings balance was below IDR 50,000,000
   11	June 2027	IDR 50,000,000	IDR 10,000,000	2	8.000	Eligible and entitled to receive the maximum D-Point reward
   12	July 2027	IDR 250,000,000	IDR 10,000,000	9	36.000	Eligible and entitled to receive the maximum D-Point reward

1. The Customer will not receive the Reward if the Customer fails to fulfill the General Terms and Conditions of the Program.
2. The Customer is obligated to pay a penalty or reward reimbursement fee if the Customer cancels participation in the Program, in accordance with the penalty or fee stipulated in Section III, Point 19 of the General Terms and Conditions of the Program.
3. The Customer agrees that funds placed in a savings account with a return above the maximum guaranteed interest rate set by the Deposit Insurance Corporation (LPS) are not guaranteed by the LPS. Any Reward received by the Customer is also included 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 Programme; and/or (ii) debit the Customer's account at Bank Danamon for the payment of penalties/reimbursement of reward 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 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 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).

Customers are required to exercise caution against fraud committed by irresponsible parties claiming to represent Bank Danamon and promising rewards in any form. Any fraud or other criminal acts carried out by other parties/third parties associated with or claiming to be on behalf of the Program are beyond the authority and responsibility of Bank Danamon