Program Akuisisi Nasabah Baru Segmentasi Optimal 2025

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

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

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

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

      		Customers choose one of three add-on options
      		Add-On Option #1 – Add-On Purchase of Additional Products4)	Add-On Option #2 – Monthly Recurring Bill Payments	Cashback Reward/ Additional E-Voucher MAP (Net)2) (Rp)	Add-On Option #3 - Credit Card or Debit Card Transactions4)
      Amount of Blocked Savings Fund	Cashback Reward / E-Voucher MAP (Net)2) (Rp)				Min. Credit Card Transaction or Monthly Debit	D-Point Multiplier	Maximum D-Point/Month
      	3 Months Tenor
      IDR 25,000,0001)	IDR 100,000	-	-	-	-	-	-
      IDR 50,000,00	IDR 225,0003)	Make a purchase or place a product order worth at least IDR 5,000,000 on one of the following products: Mutual Funds Bancassurance FX Transactions Bonds	Min. 1x Regular Bill Payment using Danamon Credit Card	IDR 325,0003)	IDR 1,500,000	2	8,000 D-Point
      IDR 100,000,000	IDR 475,0003)			IDR 650,000	IDR 1,500,000	4	16,000 D-Point
      IDR 225,000,000	IDR 1,075,0003)			IDR 1,500,000	IDR 1,500,000	9	36,000 D-Point

   2. Rupiah (IDR) Savings Placement Scheme D-Point Rewards

      		Customers choose one of three add-on options
      		Add-On Option #1 – Add-On Purchase of Additional Products4)	Add-On Option #2 – Monthly Recurring Bill Payments	Additional D-Point Reward5)	Add-On Option #3 - Credit Card or Debit Card Transactions4)
      Amount of Blocked Savings Fund	D-Point Reward				Min. Credit Card Transaction or Monthly Debit	D-Point Multiplier	Maximum D-Point/Month
      	3 Months Tenor
      IDR 25,000,0001)	8,000 D-Point	-	-	-	-	-	-
      IDR 50,000,000	18,000 D-Point	Make a purchase or place a product order worth at least IDR 5,000,000 on one of the following products: Mutual Funds Bancassurance FX Transactions Bonds	Min. 1x Regular Bill Payment using Danamon Credit Card	26,000 D-Point	IDR 1,500,000	2	8,000 D-Point
      IDR 100,000,000	38,000 D-Point			52,000 D-Point	IDR 1,500,000	4	16,000 D-Point
      IDR 225,000,000	86,000 D-Point			120,000 D-Point	IDR 1,500,000	9	36,000 D-Point

   Explanation:
   1) Only applicable to existing customers.
   2) Customers who deposit and block funds in their Danamon LEBIH PRO iB account will receive a MAP E-Voucher as a gift.
   3) MAP E-Voucher gifts follow the E denomination -Voucher available and rounded down, so that a reward of IDR 225,000 becomes IDR 200,000, a reward of IDR 475,000 becomes IDR 450,000, a reward of IDR 1,075,000 becomes IDR 1,050,000, and a reward of IDR 325,000 becomes IDR 300,000
   4) Add-On Option #1 – Additional Product Purchases can be in the form of FX transactions, investment product purchases or bancassurance products. The minimum transaction or fund placement for foreign currency transactions, investment products and bancassurance products is IDR 5,000,000 (net) or equivalent.
   5) Cashback/D-Point/E-Voucher Add On will be given to Customers who have received Cashback/D-Point/E-Voucher rewards for their savings deposits.
   6) Option Add On #3 Reward – Danamon Credit Card or Debit Card transactions can only be given in the form of D-Points.
   Porgaram Scheme Conditions:
   • For Rupiah (IDR) currency savings scheme:
     1. The customer has opened a Danamon LEBIH PRO / Danamon LEBIH PRO iB account with active status.
     2. The customer is required to deposit and block funds for Danamon LEBIH PRO/Danamon LEBIH PRO iB savings in Rupiah (IDR) with a tenor of 3 (three) months, namely: i) 30 (thirty) calendar days from the opening of the Danamon LEBIH PRO or Danamon LEBIH PRO iB account, for new individual customers (new to bank); and ii) in the same month as participation in the Program, for customers who are already registered with Bank Danamon (existing to bank).
   • Customers who participate in the program with sharia product placement (Danamon LEBIH PRO iB) cannot participate in Add-On Option #2 Monthly Bill Payment through Danamon Credit Card or Add-On Option #3 Credit Card Transactions.
7. Bank Danamon will block the Customer's account for 3 (three) months (in accordance with the selected blocking period).
8. Funds deposited and blocked by customers in Danamon LEBIH PRO/Danamon LEBIH PRO iB accounts must be fresh funds, namely: (i) funds deposited in cash through a Bank Danamon branch office; or (ii) funds transferred to a Danamon LEBIH PRO/Danamon LEBIH PRO iB account opened by the customer from another bank account.
9. For customers who are already registered with Bank Danamon (existing to bank), funds included in the programme are considered fresh funds if there is an increase in funds compared to the baseline. Fresh funds must be equal to or greater than the nominal deposit and placement of funds in the account for participation in this program. The calculation of fresh funds is as follows:
   
   Fresh Funds Calculation = Current Month Balance Total - Baseline
   Current Month Balance :Savings Balance + Giro + Deposit
   Baseline :Average of Savings Balance + Giro + Deposit from the last month prior to program participation
10. Customers are required to activate D-Bank PRO and successfully complete at least 1 (one) QRIS or Danamon Debit Card transaction within 30 (thirty) calendar days from the date of fund blocking in their Danamon LEBIH PRO/Danamon LEBIH PRO iB account.
11. Debit Card transactions applicable to this Program are offline transactions via an EDC machine or online transactions for purchases on e-commerce sites by entering the 16 (sixteen) digits of the Danamon Bank Debit Card, the expiry date, and the CVV number. Only successful QRIS and Danamon Bank Debit Card transactions will be counted in this Programme, i.e. when the account balance has been debited for the transaction amount.
12. Customers are not permitted to participate in other programs for the same fund placement.
13. Customers aged 21-65 who meet the criteria for applying for a credit card (except customers who open Danamon LEBIH PRO iB) and do not yet have a Bank Danamon credit card are required to apply for a Bank Danamon Credit Card in accordance with the terms and conditions of the credit card product.
14. Customers can choose one of three Add On options, namely Add On Option #1 – Add On for Additional Product Purchases, Add On Option #2 – Monthly Bill Payments, or Add On Option #3 – Credit Card or Debit Card Transactions, as long as the customer has met the requirements related to the fund placement scheme. The Add On scheme requirements are as follows:
    • Add-On Option Requirements #1 - Additional Product Purchase Add-On and Add-On Option #2 - Monthly Recurring Bill Payment:
      1. Customers are required to conduct foreign exchange transactions through D -Bank PRO/Danamon Bank Branch Office or register for regular Bill Payment on their Danamon Bank credit card or purchase new additional products with a transaction amount in accordance with the program scheme provisions set out in point III.6 of the General Terms and Conditions of the Program, up to a maximum at the end of the month following the month of the Customer's participation in this Program, with an accumulated transaction value equal to or greater than the minimum requirement.
      2. Additional products that are calculated in accordance with the program scheme stipulated in point III.6 of the Program Terms and Conditions are as follows:
         1. Mutual Funds product:
            • Minimum fee of 1% nett
            • Excludes Money Market Mutual Funds and Danamon Regular Investment Plan (DRIP)
         2. Government bonds denominated in IDR, both in the primary and secondary markets (no minimum fee)
         3. Bancassurance: Unit-linked investment products
         4. Foreign exchange transactions
         5. Sharia customers are required to purchase Sharia-based Bonds, mutual funds or bancassurance products
      3. Transactions involving the placement or purchase of additional products or the registration of regular Bill Payment transactions on Danamon Customer Credit Cards made on the date of participation in the Programme (the date of blocking of savings funds) cannot be taken into account in this Program.
      4. Transactions involving the placement or purchase of additional products or the registration of regular Bill Payment transactions on Danamon Customer Credit Cards can be made no later than the end of the month following the month in which the Savings Funds were blocked from the Danamon LEBIH PRO/Danamon LEBIH PRO iB account.
      5. Customers who participate in the program with sharia products (Danamon LEBIH PRO iB) cannot participate in Add On Option #2 Monthly Recurring Bill Payment through Danamon Credit Cards.
      6. Specifically for the Add On for regular payments (Bill Payment), customers are considered to have fulfilled the requirements if a minimum of 1 (one) successful bill payment transaction is made by the end of the second month after joining the program. The Bill Payment requirements that are taken into account are PLN, Telecommunications, and Internet Bill Payments with billers available on D-Bank PRO.
      7. The applicable currency terms and conditions are in accordance with the terms and conditions of Bank Danamon. The minimum foreign exchange transaction requirement will be converted to IDR using the exchange rate applicable in the Bank Danamon system on the day of the transaction.
      8. Customers can only receive cashback once during the Program Period (not applicable for multiples).
      9. Here is an illustration:
         Example 1 (FX Transaction)
         

         50 Million SA Program Scheme (min FX equivalent to IDR 5,000,000)
         	Date	Nominal
         Blocked Funds	12 November 2025	IDR 50,000,000
         FX #1 Transaction	13 November 2025	Equivalent to IDR 5,000,000
         Total Transaction		Equivalent to IDR 5,000,000
         FX Cashback Eligibility	Eligible
         Eligibility Reason	The nominal transaction amount meets the minimum requirement, and the transaction period is still within the maximum limit.

         Example 2 (FX Transaction)
         

         100 SA Program Scheme (min FX equivalent to IDR 5,000,000)
         	Date	Amount
         Blocked Funds	12 November 2025	IDR 100,000,000
         FX #1 Transaction	12 November 2025	Equivalent to IDR 2,500,000
         FX #2 Transaction	1 December 2025	Equivalent to IDR 3,000,000
         Total Transaction		Equivalent to IDR 5,500,000
         FX Cashback Eligibility	Not Eligible
         Eligibility Reason	The transaction was equivalent to IDR 5,000,000, but the first transaction was made on the same day as the block, so only IDR 3,000,000 was counted.

         Example 3 (Mutual Funds Purchase)
         

         225 SA Program Scheme (minimum mutual fund equivalent to IDR 5,000,000)
         	Date	Amount
         Blocked Funds	12 November 2025	IDR 225,000,000
         Mutual Fund #1 Purchase	13 November 2025	IDR 5,000,000
         Mutual Fund #2 Purchase	15 November 2025	IDR 10,000,000
         Total Product Purchase		IDR 15,000,000
         Additional Purchase Cashback Eligibility	Eligible
         Eligibility Reason	The nominal purchase of the product has met the minimum requirement and is still being carried out before the end of the following month.

         Example 4 (Bill Payment Registration)

         100 SA Program Scheme (minimum 1 successful bill payment debit)
         	Date	Amount
         Blocked Funds	12 November 2025	IDR 100,000,000
         Bill Payment Registration on Customer’s Credit Card	27 November 2025
         Successful Bill Payment Debit	25 December 2025	IDR 500,000
         Bill Payment Registration Eligibility	Eligible
         Eligibility Reason	Bill Payment registration is carried out within the minimum limit, and the Bill Payment transaction is successfully debited.

    • Add-On Option #3 Requirements - Credit Card or Debit Card Transactions:
      1. Customers are required to maintain an average savings balance and make payments and purchases using a Danamon Credit Card or Danamon Debit Card with a cumulative transaction value of at least IDR 1,500,000 (one million five hundred thousand rupiah) per month.
      2. The average savings balance taken into account is the total average balance of all accounts (including foreign currency accounts) held by the Customer. If the Customer has a joint account, the account taken into account is the Primary Account (the first name listed as the account holder).
      3. Credit Card transactions taken into account in the Add On are transactions using the Danamon JCB Precious Credit Card. If the Customer does not have a Danamon JCB Precious credit card, then transactions on the Customer's Danamon Debit Card will be calculated in the Add On transactions. Specifically for Customers who participate in the sharia product placement program (Danamon LEBIH PRO iB), only transactions on the Customer's Danamon Debit Card will be calculated in the Add On transactions.
      4. Transaction accumulations from the Customer's Danamon Credit Card and Debit Card cannot be combined as a monthly transaction accumulation calculation.
      5. If the Customer meets the terms and conditions of the Add On transaction program, the Customer is entitled to the following additional rewards:

         Average Savings Balance/Month	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

      6. If the Customer's average savings balance is below the stipulated amount and/or does not reach the minimum transaction accumulation for that month, the Customer will not be given a Reward even if they meet the minimum transaction requirements.
      7. The Add On Transaction Reward is given for 12 (twelve) months starting from the month after the Customer's participation (M+1 month of savings blocking) until the 12th month (M+12) from the month of participation in the Optimal Savings placement program.
      8. The Add On Transaction Reward is given in addition to the D-Points that the Customer receives from transactions in accordance with the terms and conditions of each transaction card product used.
      9. For transactions using a credit card, the transaction accumulation is calculated as follows:
         • Transactions are calculated within 1 (one) month from the 1st to the end of the month based on the date of recording (including transactions using the Customer's additional credit card).
         • Rewards will only be given based on the value of Credit Card transactions within 1 (one) month, excluding cancelled transactions and QRIS transactions with Credit Card funds.
         • Transaction accumulation does not apply to Cash Advance (cash withdrawal), Bill Payment (regular bills), Insurance, Money Transfer, Installment, QRIS transactions with Credit Card funds, and/or cancelled transactions.
         • Not applicable to transactions that are indicated or considered irregular, including but not limited to cash swipe transactions, transactions at merchants indicated to be selling products prohibited under applicable laws and regulations in Indonesia, and/or transactions that violate applicable laws and regulations in Indonesia.
      10. For transactions using debit cards, the accumulated transactions taken into account are as follows:
          • Purchases/payments made through an EDC machine at any merchant via POS (Point of Sales); or online purchases/payments or e-commerce transactions at any merchant via POS (excluding e-wallet applications).
          • Not applicable for purchases/payments made through ATMs and/or D-Bank PRO.
          • Rewards will only be given based on the accumulated value of Debit Card transactions in 1 (one) month.
      11. Here is the illustration:

          Customers participating in the New to Optimal program will have IDR 50 million blocked for 3 months in October 2025.
          Month no	Month	Average Monthly Balance	Accumulation of Eligible Transactions on Customer Credit Cards or Debit Cards	D-Point Multiplier (Every IDR2,500)	D-Point Obtained	Eligibility Reason
          0	November 2025	IDR 65,000,000	IDR 2,000,000	-	-	Not eligible for Add On rewards because the transaction was made during the fund blocking period.
          1	December 2025	IDR 65,000,000	IDR 12,000,000	2	8,000	Eligible and receive the maximum D-Points earned
          2	January 2026	IDR 60,000,000	IDR 5,000,000	2	4,000	Eligible and receive a multiplier based on the total accumulated transactions
          3	February 2026	IDR 75,000,000	-	-	-	Not eligible because the customer did not make a transaction.
          4	March 2026	IDR 50,000,000	IDR 10,000,000	2	8,000	Eligible and receive the maximum D-Points earned
          5	April 2026	IDR 150,000,000	IDR 15,000,000	4	16,000	Eligible and receive the maximum D-Points earned
          6	May 2026	IDR 150,000,000	IDR 500,000	-	-	Not eligible due to transaction accumulation below the program minimum
          7	June 2026	IDR 230,000,000	IDR 8,000,000	9	28,800	Eligible and receive a multiplier based on the total accumulated transactions
          8	July 2026	IDR 45,000,000	IDR 10,000,000	-	-	Not eligible because the customer's average savings balance is less than IDR 50,000,000.
          9	August 2026	IDR 50,000,000	IDR 50,000,000	2	8,000	Eligible and receive the maximum D-Points earned
          10	September 2026	IDR 10,000,000	IDR 5,000,000	-	-	Not eligible because the customer's average savings balance is less than IDR 50,000,000.
          11	October 2026	IDR 50,000,000	IDR 10,000,000	2	8,000	Eligible and receive the maximum D-Points earned
          12	November 2026	IDR 250,000,000	IDR 10,000,000	12	36,000	Eligible and receive the maximum D-Points earned

15. Reward Terms and Conditions:
    1. The nominal value of the reward has been deducted for tax purposes and is borne by Bank Danamon.
    2. The main reward in the form of Cashback, E-Voucher or D-Points will be given within a maximum of 45 (forty-five) working days after all General Terms and Conditions of this Program have been fulfilled by the Customer.
    3. Add-On Option #1 Reward – Add-On Additional Product Purchase will be sent to the Customer no later than 45 (forty-five) working days after the main cashback prize or D-Points or E-Voucher has been sent and all General Terms and Conditions of the Program have been fulfilled by the Customer.
    4. Add-On Option #2 Reward – Monthly Bill Payment, will be given within a maximum of 45 (forty-five) working days after the first successful routine bill debit and all General Terms and Conditions of this Program have been fulfilled by the Customer.
    5. Add-On Option #3 Reward – Credit Card or Debit Card Transactions. Danamon Credit or Debit Cards will be awarded 45 working days after the last day of the transaction month or average savings balance observation and once all General Terms and Conditions of this Program have been fulfilled by the Customer.
    6. Cashback rewards will be credited to the Danamon LEBIH PRO account that is enrolled in the program and is in active status.
    7. Specifically for participation in the program with Danamon LEBIH PRO iB products, the reward in the form of a MAP e-voucher will be given to the Customer via email/SMS to the Customer's email address or mobile phone number registered in the bank's system.
    8. The reward in the form of D-Points will be credited to the Customer's Savings D-Point account. Specifically for Option Add-on #3 - Credit Card or Debit Card Transactions, D-Points will be credited to the Customer's Credit Card D-Point account (for Customers who participate in Option Add-on #3 using a credit card) or the Customer's Savings D-Point account (for Customers who participate in Option Add-on #3 using a debit card).
    9. Cashback rewards are subject to tax in accordance with applicable tax regulations in Indonesia. Customers are required to provide valid 15-digit NPWP (Taxpayer Identification Number) information or NIK (National Identification Number) that is valid as NPWP. Proof of tax deduction (Final Income Tax) can be obtained through Bank Danamon branch offices.
    10. Customers agree that funds placed in savings accounts with returns above the maximum interest rate guaranteed by the Indonesia Deposit Insurance Corporation are not guaranteed by the Indonesia Deposit Insurance Corporation. Rewards received by customers are also calculated as a component of the maximum guaranteed interest rate. Customers may inquire about changes to the maximum guaranteed interest rate through Bank Danamon branches, Hello Danamon (1 500 900), or via email at hellodanamon@danamon.co.id.
16. Customers may cancel their participation and unblock funds in this Program by visiting the Bank Danamon branch where they registered for the Program and signing the Programme Cancellation Form. Upon cancellation of the Program, customers will be charged a penalty fee of:
    1. Danamon LEBIH PRO: a penalty of 5% (five per cent) of the Blocked Funds Amount.
    2. Danamon LEBIH PRO iB: compensation or reimbursement of the reward value (before tax) that should have been received if the Customer had not cancelled their participation in the Program.
    Penalty/compensation fees (replacement of reward costs) shall be paid by the Customer in a lump sum by Bank Danamon debiting the account in the Customer's name used to participate in the Programme at Bank Danamon. The Customer agrees and authorises Bank Danamon to debit the penalty/compensation fees (replacement of reward costs).
17. The Customer shall be fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the Customer's participation and/or cancellation of participation in this Program.

1. The Customer hereby authorises Bank Danamon to: (i) block and unblock funds in accordance with the Form and the General Terms and Conditions of the 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).