Telesales Channel Balance Top-Up Program

The program shall be conducted during the period from 2 – 28 February 2026 ("Program Period").

This program is applicable to individual customers who are registered with Bank Danamon (existing to bank) and who are invited and informed about this program through Bank Danamon Telesales ("Customers"). Not applicable to Sharia Customers and Sharia products.

1. Customers are required to read and understand the General Terms and Conditions of the program. 
   
2. Bank Danamon reserves the right to refuse or cancel a Customer's participation in this program if the Customer does not meet the General Terms and Conditions of this Program. 
   
3. Customers are to be responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this program.
   
4. To participate in this program, Customers must provide confirmation of their "Interest/Agreement" to participate in this program when contacted by Bank Danamon Telesales, then make an online deposit through the D-Bank PRO application with the amount agreed upon during contact with Bank Danamon Telesales, which must be done in the same month that the Customer provides confirmation.
   
5. Customers who have provided confirmation of "Interest/Agreement" must place a deposit online through the D-Bank PRO application to participate in the program in accordance with the scheme, deposit amount, deposit tenor, reward type (cashback/d-points), and penalties as follows:

   Minimum Online Deposit Placement	Tenor	Reward		Penalty
   		Cashback	D-Points
   IDR 25,000,000	6 Months	IDR 40,000	3,000	IDR 50,000
   IDR 50,000,000	6 Months	IDR 80,000	6,000	IDR 100,000

   
   
6. Customers are only permitted to choose one scheme from the program.
   
7. The reward is not cumulative.
   
8. Only applicable for transactions using the Indonesian Rupiah currency.
   
9. All funds included in this program must be fresh funds, i.e 
   i. funds deposited in cash through a Bank Danamon branch office; or 
   ii. funds transferred to the Customer's account at Bank Danamon from a bank account other than an account at Bank Danamon. 
   iii. Funds included in the program are considered fresh funds if there is an increase in funds above the baseline
   iv. The fresh funds must be equal to or greater than the nominal amount deposited and placed in the account for participation in this program.
   
   The calculation of incremental fresh funds is as follows:
   

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

10. Customers may cancel their participation and withdraw their deposits before maturity by visiting a Bank Danamon branch office and signing the program Cancellation Form. Upon cancellation of the program, the Customer will be charged a penalty fee in accordance with the amount stated in the Penalty Amount section of the Form and the General Terms and Conditions of this Program, as well as the penalty fee applicable for withdrawing deposits before maturity in accordance with the applicable product terms and conditions. The penalty fee will be paid by the Customer in a lump sum by Bank Danamon debiting the Customer's account at Bank Danamon. The Customer hereby authorises Bank Danamon to debit the Customer's account for the payment of penalties at the appropriate time.
    
11. The type of reward received by the Customer (cashback/d-points) is based on the Customer's confirmation when contacted by Bank Danamon Telesales. If the Customer does not confirm the type of reward received, the reward given will be in the form of cashback.
    
12. By being invited through Bank Danamon Telesales, the Customer agrees to participate in the program when contacted by Bank Danamon Telesales, and to place a deposit online through D-Bank PRO in accordance with the General Terms and Conditions of the program . The Customer is deemed to have read, understood and agreed to participate in the program and to be bound by the General Terms and Conditions of this Program. By being contacted through Danamon Bank Telesales, agreeing to participate in the program when contacted by Danamon Bank Telesales, and placing a deposit online through D-Bank PRO in accordance with the General Terms and Conditions of this Program, the Customer is deemed to have read, understood, and agreed to participate in the program and to be bound by the General Terms and Conditions of this Program.

1. Eligible Customers who fulfill the General Terms and Conditions of the Program will receive a reward in the form of cashback or D Points, according to the scheme selected by the Customer. If the Customer does not meet the General Terms and Conditions of the Program, they will not receive any cashback or D Point reward.
2. The Reward amount is net, after tax deduction. Bank Danamon will deposit any arising tax withholdings from the Reward to the relevant tax authority. All matters related to the calculation and reporting of taxes on the Reward received by the Program Participant are entirely the responsibility of the Participant (on a self assessment basis).
3. Cashback rewards will be credited no later than 45 (forty five) working days, counted from the last date of the month in which the Customer placed the deposit, to the Customer's Rupiah (IDR) savings account.
4. Specifically for D Point rewards, these will be credited to the Customer's D Point savings account no later than 45 (forty five) working days, counted from the last date of the month in which the Customer placed the deposit.
5. The Customer understands and agrees that cashback/D Point rewards will be accounted for as part of the total interest received by the Customer on the deposit placement. Therefore, if the combined value of cashback/D Points and interest obtained by the Customer exceeds the maximum insurable interest rate for deposits as set by the Deposit Insurance Corporation (LPS), the excess amount will not be insured by the Deposit Insurance Corporation. Customers can inquire about changes to the maximum insurable interest rate through Bank Danamon branch offices or via Hello Danamon.

1. The Customer is not entitled to receive the Reward if they do not fulfill all the General Terms and Conditions of the Program or any other specific conditions applicable within this Program.
2. The Customer is obligated to pay a penalty and/or reimburse the cost of the Reward already received if the Customer cancels their participation in the Program. The amount of the penalty or the terms for the reimbursement of the Reward shall follow the provisions as stipulated in Section III, point 6 of the General Terms and Conditions of the Program.

1. The Customer hereby authorises Bank Danamon to: (i) cancel the deposit placement in accordance with the General Terms and Conditions of the program ; and/or (ii) debit the Customer's account at Bank Danamon for the payment of penalties if the Customer cancels the program in accordance with the General Terms and Conditions of the program.
2. The power of attorney 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 powers of attorney cannot be revoked or terminated for any reason, including but not limited to the reasons stated in Article 1813 (termination of authority: by the revocation of the authority by the principal; by notification of termination of authority by the principal; by the death, incapacity or bankruptcy of the principal or the agent), 1814 (the Principal may revoke the authority whenever he/she so desires, and if there are grounds for doing so, compel the attorney to return the power of attorney held by him) and 1816 (the appointment of a new attorney to carry out the same matter shall result in the revocation of the first power of attorney, effective from the date of notification to the latter of such appointment) The Civil Code and these powers are an integral part of the General Terms and Conditions of this Program.

1. Customers may submit complaints regarding banking products/services either verbally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
2. The procedures regarding the Customer Complaints service can be accessed via the website https://www.danamon.co.id/en/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. The General Terms and Conditions of this Program form an integral and inseparable part of the "General Terms and Conditions of Accounts and Banking Services", "General Terms and Conditions of Time Deposits", "General Terms and Conditions of Danamon Reward D-Points", and "General Terms and Conditions of D-Bank PRO". In the event of any discrepancy or conflict between the aforementioned terms and conditions and the General Terms and Conditions of this Program, the General Terms and Conditions of this Program shall prevail.
2. The Customer hereby agrees and acknowledges that Bank Danamon reserves the right to amend/change/supplement the General Terms and Conditions of this Program from time to time. Any changes/additions/updates to the General Terms and Conditions of this Program will be notified through the communication media available at Bank Danamon. In the event of changes to the benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Customer has the right to submit a written objection to Bank Danamon within 30 (thirty) working days from the date of notification of such changes by Bank Danamon through Bank Danamon's communication media. The Customer agrees that the Customer is deemed to have agreed to the changes if the Customer does not submit an objection within that period. If the Customer does not agree to the changes, the Customer has the right to cancel their participation in the program by first settling all of the Customer's obligations to Bank Danamon (if any).
   
3. The Customer declares that there are no and will be no transactions that indicate money laundering and/or other transactions that are not permitted under the applicable laws and regulations in Indonesia.
   
4. If there is a report of indications of fraud, cheating and/or transaction irregularities, Bank Danamon reserves the right to cancel the transaction, cancel participation in the program, and/or the awarding of rewards to the Customer concerned. The Customer remains obliged to settle all obligations to Bank Danamon (if any).
   
5. If any irregularities related to this Program are discovered or if any suspected fraud is perceived, Program Participants are advised to immediately report it via Hello Danamon.
   
6. The titles and terms used in these General Terms and Conditions of the Program are solely for the purpose of facilitating understanding of the content herein.
   
7. If any provision in the General Terms and Conditions of this Program is prohibited or cannot be implemented or becomes invalid or is declared null and void by a government or court ruling, this shall not affect the validity of other provisions in the General Terms and Conditions of this Program, and the other provisions shall remain valid and binding and can be implemented as stipulated in the General Terms and Conditions of this Program.
   
8. The General Terms and Conditions of this Program have been adjusted to comply with the provisions of laws and regulations, including the provisions of the Financial Services Authority (OJK) and the provisions on guarantee interest based on the regulations of the Indonesia Deposit Insurance Corporation (LPS).
   
9. Bank Danamon is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a participant in the Indonesia Deposit Insurance Corporation (LPS).

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