Program Akuisisi Nasabah Baru Segmentasi Optimal 2025

The Program is valid 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 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 may only participate in one (1) scheme with one (1) type of reward. The following funding placement schemes may be selected by the Customer:
   
   

   Rupiah Currency Savings Placement Scheme (IDR)

   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 25.000	1.900 D-Point
   IDR 50.000.000	IDR 80.000	6.000 D-Point
   IDR 100.000.000	IDR 180.000	13.000 D-Point
   IDR 225.000.000	IDR 450.000	34.000 D-Point

   
   

   *) Only applicable to Customers who already hold an account with Bank Danamon (existing to bank) but have not been registered under the Optimal Service for the last 6 (six) 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.

6. 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 of funds to be blocked as stated in the selected Scheme (referring to point III.5), which must be credited to the Danamon LEBIH PRO/Danamon LEBIH PRO iB account through transfers originating from accounts held with other banks.
7. The combined average balance of all of the Customer’s savings and investments with Bank Danamon, which includes savings accounts, current accounts, time deposits, and investments (“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.
8. For New to Bank Customers, the Customer is required to perform the fund blocking no later than 30 (thirty) calendar days from the opening date of the Danamon LEBIH PRO/Danamon LEBIH PRO iB account.
9. For Customers who are already registered with Bank Danamon (existing to bank), the following provisions 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 Program participation plus the amount of funds placed under the Program. Should, during such period, the Customer’s Combined Balance decrease to an amount lower than the Combined Balance plus the Program placement amount as of the Program participation date, the Customer shall be deemed not to have satisfied 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.
10. Customers are required to activate DBank PRO within 30 (thirty) calendar days from the date of fund blocking in the Danamon LEBIH PRO/Danamon LEBIH PRO iB account.
11. Customers are not permitted to participate in other programs using the same blocked funds.
12. Specifically for Customers who hold a Danamon LEBIH PRO account, are aged 21–65 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.
13. Provisions regarding currency, including currency conversion and the applicable exchange rates, shall refer to and be subject to the prevailing provisions of Bank Danamon.
14. Customers who have participated in this Program are eligible to receive additional rewards in the form of Cashback, MAP EVouchers, or DPoint (“Additional Rewards”), subject to the following terms and conditions:
    1. Requirements for Add‑On Option #1 – Add‑On Purchase of Additional Products and Add‑On Option #2 – Monthly Routine Bill Payment (Bill Payment):
       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, Customers 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 savings amount and tenor as stated in the Program Participation Form, as set forth in the table below:

          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 50.000.000	IDR 485.000	37.000
          IDR 100.000.000	IDR 975.000	74.000
          IDR 225.000.000	IDR 2.200.000	167.000

    2. Requirements for AddOn Option #3 – Credit Card or Debit Card Transactions:
       1. Customers are required to maintain an average savings balance and perform payment and purchase transactions using a Bank Danamon Credit Card or Bank Danamon Debit Card with a cumulative transaction amount equal to or greater than IDR 1,500,000 (one million five hundred thousand Rupiah) within one (1) month.
       2. The average savings balance taken into account shall be the total average balance of all accounts (including foreign currency accounts) held by the Customer. In the event that the Customer holds joint accounts, the account taken into account shall be the Primary Account (the first name listed as the account holder).
       3. Credit Card transactions taken into account for the AddOn shall be transactions made using the Danamon JCB Precious Credit Card. In the event that the Customer does not hold a Danamon JCB Precious Credit Card, transactions made using the Customer’s Bank Danamon Debit Card shall be taken into account for the AddOn Transactions. Specifically for Customers participating in the Program using shariabased products (Danamon LEBIH PRO iB), only transactions made using the Customer’s Bank Danamon Debit Card shall be taken into account for the AddOn Transactions.
       4. If the Customer conducts transactions using both a Danamon JCB Precious Credit Card and a Bank Danamon Debit Card, the transactions taken into account shall be those conducted using the Danamon JCB Precious Credit Card.
       5. The cumulative transaction amounts from the Customer’s Credit Card and Bank Danamon Debit Card may not be combined for the purpose of calculating the monthly cumulative transaction amount.
       6. Provided that the Customer fulfills the terms and conditions of AddOn Program Option #3 and maintains the required average savings balance each month, the Customer shall be entitled to receive Additional Rewards as follows:

          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

       7. If the Customer’s average savings balance falls below the required threshold and/or does not meet the minimum cumulative transaction requirement for the relevant month, the Customer shall not be granted any Reward, even if the minimum transaction requirement has been fulfilled.
       8. AddOn Transaction Rewards shall be granted for a period of twelve (12) months, commencing from the month following the Customer’s Program participation (M+1 month after savings fund blocking) until the twelfth (12th) month (M+12) from the month of participation in the Optimal Savings placement program.
       9. AddOn Transaction Rewards shall be granted in addition to the DPoint rewards received by the Customer from transactions, in accordance with the respective terms and conditions of the transaction card products used.
       10. For transactions conducted using a credit card, the cumulative transactions taken into account shall be as follows:
           • Transactions shall be calculated within one (1) month, starting from the 1st day until the end of the month, based on the posting date (including transactions made using the Customer’s supplementary credit card)
           • Rewards shall only be granted based on the total value of Credit Card transactions within one (1) month, excluding cancelled transactions and QRIS transactions funded by Credit Card.
           • Cumulative transactions shall not apply to Cash Advance transactions, Bill Payment (recurring billing), Insurance payments, Money Transfer transactions, Installment transactions, QRIS transactions funded by Credit Card, and/or cancelled transactions.
           • Transactions that are indicated or deemed to be abnormal shall not be taken into account, including but not limited to cash swipe transactions, transactions at merchants indicated to sell products prohibited under the prevailing laws and regulations in Indonesia, and/or transactions that are contrary to the applicable laws and regulations in Indonesia.
       11. For transactions conducted using a debit card, the cumulative transactions taken into account shall be as follows:
           • Purchase /payment transactions conducted through EDC machines at any merchant via POS (Point of Sales); or online or ecommerce purchase/payment transactions at any merchant via POS (excluding ewallet applications).
           • Purchase /payment transactions conducted via ATM and/or DBank PRO shall not be applicable.
           • Rewards shall only be granted based on the cumulative value of Debit Card transactions within one (1) month.
15. 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 the penalty/compensation fee (reimbursement of reward cost) accordingly.
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 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 DPoint.
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 evouchers, 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 fortyfive (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 fortyfive (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 DPoint account linked to the Customer’s Debit Card/ATM, subject to the following provisions:
   1. The Main DPoint Reward shall be credited no later than fortyfive (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 DPoint Reward (if any) shall be credited no later than fortyfive (45) business days after the Main DPoint 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 AddOn Option #3 – Credit Card or Debit Card Transactions, DPoint Rewards shall be credited to the Customer’s Credit Cardbased DPoint account (for Customers using a Credit Card) or Debit Card/ATMbased DPoint account (for Customers using a Debit Card).
6. MAP evoucher 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 evoucher Reward shall be delivered no later than fortyfive (45) business days after all General Terms and Conditions of the Program have been fulfilled.
   2. The Additional MAP evoucher Reward (if any) shall be delivered no later than fortyfive (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 AddOn Option #1 – Purchase of Additional Products shall be granted no later than fortyfive (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 AddOn Option #2 – Monthly Recurring Bill Payment shall be granted no later than fortyfive (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 AddOn Option #3 – Credit Card or Debit Card Transactions shall be granted fortyfive (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 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	31 March 2026	Simulation of Combined Balance Calculation: Savings Account: IDR 15.000.000 Current Account: - Deposit: IDR 15.000.000 Combined Balance: IDR 30.000.000
   Fresh Fund Deposit	4 April 2026	IDR 50.000.000
   Program Participation (Fund Blocking) for the IDR 50 Million Tier – 3-Month Tenor	17 April 2026	IDR 50.000.000
   Credit Card Application and D-Bank PRO Activation	20 April 2026	-
   Add-On Scheme Participation Transaction	20 June 2026	Autodebit bill payment transaction for PLN amounting to IDR 200,000.
   Customer’s Combined Balance during the Observation Period	3 May 2026	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 80,000,000. 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 April 2026	Simulation of Combined Balance Calculation: Savings Account: IDR 20.000.000 Current Account: - Deposit: - Combines Balance: IDR 20.000.000
   Fresh Fund Deposit	10 April 2026	IDR 250.000.000
   Program Participation (Fund Blocking) for the IDR 225 Million Tier – 3-Month Tenor	17 April 2026	IDR 225.000.000
   D-Bank PRO Activation	20 April 2026	-
   Add-On Scheme Participation Transaction	27 April 2026	Bond purchase transaction amounting to IDR 5,000,000 conducted via branch for a non-sharia product
   Customer’s Combined Balance during the Observation Period	3 May 2026	IDR 230.000.000
   Reward	Eligible for MAP e-voucher under the fund blocking scheme; not eligible under the add-on scheme	Voucher MAP IDR 450.000
   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 April 2026	Simulation of Combined Balance Calculation: Savings Account: - Current Account: - Deposit: - Combines Balance: IDR 0
   Fresh Fund Deposit	20 April 2026	IDR 100.000.000
   Program Participation (Fund Blocking) for the IDR 100 Million Tier – 3-Month Tenor	20 April 2026	IDR 100.000.000
   Credit Card Application and D-Bank PRO Activatio	5 May 2026	-
   Add-On Scheme Participation Transaction	29 May 2026	Foreign exchange purchase transaction of JPY equivalent to IDR 5,000,000 conducted via D-Bank PRO
   Customer’s Combined Balance during the Observation Period	3 May 2026	IDR 100.000.000
   Reward	Eligible to receive cashback under both the fund blocking and add-on schemes	Cashback IDR 180.000 + IDR 975.000
   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 April 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	April 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	Mei 2026	IDR 65.000.000	IDR 12.000.000	2	8.000	Eligible and entitled to receive the maximum D-Point reward
   2	June 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	Jule 2026	IDR 75.000.000	-	-	-	Not eligible as the Customer did not perform any transaction
   4	August 2026	IDR 50.000.000	IDR 10.000.000	2	8.000	Eligible and entitled to receive the maximum D-Point reward
   5	September 2026	IDR 150.000.000	IDR 15.000.000	4	16.000	Eligible and entitled to receive the maximum D-Point reward.
   6	October 2026	IDR 150.000.000	IDR 500.000	-	-	Not eligible as the cumulative transaction amount did not meet the program’s minimum requirement
   7	November 2026	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	December 2026	IDR 45.000.000	IDR 10.000.000	-	-	Not eligible as the Customer’s average savings balance was below IDR 50,000,000
   9	January 2027	IDR 50.000.000	IDR 50.000.000	2	8.000	Eligible and entitled to receive the maximum D-Point reward
   10	February 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	March 2027	IDR 50.000.000	IDR 10.000.000	2	8.000	Eligible and entitled to receive the maximum D-Point reward
   12	April 2027	IDR 250.000.000	IDR 10.000.000	12	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