Special Gift for New Digital Acquisition Customers 2025 - Finku

This program runs from 20 October 2025 to 31 December 2025 ("Program Period").

This program is open to participants who meet the following criteria (“Participants"):

1. Individuals who do not yet have a Bank Danamon account or product; and or
2. Are registered as members (users) on Finku.

1. To participate in this Program, Participants must read and understand the General Terms and Conditions of this Program.
   
2. Bank Danamon reserves the right at any time to refuse or cancel a Participant's participation in this Program if the Participant does not meet the General Terms and Conditions of this Program.
3. Participants are fully 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. Participants are required to open a Danamon LEBIH PRO account through the D-Bank PRO application during the Program Period in accordance with the General Terms and Conditions of this Program and Participants are required to enter the special Programme code in the referral code field during the registration process for opening an account, namely BDIFINKU.
5. In the event that the Participant does not enter the special code mentioned in point 4 above or enters the wrong code in the referral code field in accordance with the General Terms and Conditions of this Program, the Participant shall not be entitled to receive the Reward.
6. Participants who have successfully opened a Danamon LEBIH PRO account through the D-Bank PRO application are REQUIRED to activate the D-Bank PRO application within a maximum of 7 (seven) calendar days from the account opening date.
7. Participants are required to conduct financial transactions (including but not limited to investments, payments, and top-ups) from the Danamon LEBIH PRO account enrolled in this Programme, through the D-Bank PRO application-Bank PRO application (“Transactions") at least 2 (two) times, and maintain a minimum average balance in the Danamon LEBIH PRO account opened in the first month, to receive a cashback reward (“Reward") as per the terms and conditions in the table below:

Reward Tier	Minimum Average Balance (IDR)/month	Reward (IDR)
Tier 1	3,000,000 – 4,999,999	100,000
Tier 2	≥ 5,000,000	200,000



8. Transfers/book transfers to other accounts, whether Danamon Bank accounts or other banks, are not included in the types of transactions that count towards this program.
9. Transactions must be made in the same month as the account was opened.
10. The Participant's average balance is calculated as the total average balance of the savings account over 30 (thirty) calendar days from the date of opening the Danamon LEBIH PRO account. An example/illustration if the Participant opens an account in October 2025 is as shown in the table below:

Account Opening Date	Average Balance Checking Date
20 October 2025	20 October – 13 November 2025
25 October 2025	25 October – 23 November 2025
01 November 2025	01 November – 30 November 2025



11. Participants in the Program will only receive a maximum of one (1) Reward during the Program Period.
12. The Program is not cumulative and cannot be combined with other programs.
13. Funds placed in Danamon LEBIH PRO accounts opened under this Program must be fresh funds, namely (i) funds deposited in cash through a Bank Danamon branch office; or (ii) funds transferred to a savings account opened by the Participant from a bank account other than an account at Bank Danamon.
14. Participants agree that if the interest rate/profit sharing on funds deposited in a Danamon LEBIH PRO account exceeds the maximum interest rate/profit sharing guaranteed by the Indonesia Deposit Insurance Corporation (LPS), then the funds deposited are not guaranteed by the Indonesia Deposit Insurance Corporation (LPS).
15. By entering a special code in the referral code field when opening a Danamon LEBIH PRO account through the D-Bank PRO application, as well as activating the D-Bank PRO application, depositing funds, and conducting transactions in accordance with the General Terms and Conditions of the Program, the Participant is deemed to have read, understood, and agreed to participate in the Program and be subject to the General Terms and Conditions of this Program, and such actions constitute valid proof of the Participant's participation in this Program.

1. Participants who have fulfilled the Terms and Conditions of the Program above are entitled to receive the Reward as stated in point III, number 7 above.
2. The Reward will be credited to the Participant's Danamon LEBIH PRO account opened in connection with participation in this Program no later than 30 (thirty) calendar days from the date of the average balance check conducted by the Bank.
3. The tax on the Reward shall be borne by Bank Danamon. All matters relating to the calculation and reporting of tax on the Reward received by the Customer shall be the sole responsibility of the Customer (self-assessment basis).

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. For complete procedures and mechanisms regarding customer complaint services, please refer to Bank Danamon's official website, which can be accessed at the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. General Terms and Conditions of this Program are an integral part of the ‘General Terms and Conditions for Accounts and Banking Services’, ‘General Terms and Conditions for D-Bank PRO’ and ‘General Terms and Conditions for Danamon LEBIH PRO Savings’. These terms and conditions remain valid unless otherwise stipulated in the General Terms and Conditions of this Program. In the event of any discrepancy or conflict between these provisions and the General Terms and Conditions of this Program, the General Terms and Conditions of this Program shall prevail.
2. Participants declare that there are no and will be no transactions that indicate money laundering and/or transactions that are not permitted under the laws and regulations applicable in Indonesia.
3. If there are indications of fraud, cheating, transaction irregularities, unusual transactions, money laundering and/or actions that do not comply with laws and regulations, Bank Danamon reserves the right to cancel the transaction, participation in the Programme, the awarding of Prizes to Participants and/or the closure of accounts. If this occurs, it does not exempt the Participant from their obligation to pay all their obligations to the Bank (if any).
4. 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 decision, 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.
5. If any irregularities related to this Programme are found or if fraud is suspected, Participants are advised to immediately inform Hello Danamon.
6. Participants hereby agree and acknowledge 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, Participants have the right to submit their objections in writing 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. Participants agree that they are deemed to have accepted the changes if they do not submit an objection within the specified period. If Participants do not accept the changes, they have the right to cancel their participation in the Programme by first settling all of their obligations to Bank Danamon (if any).
7. The General Terms and Conditions of this Program have been adjusted to comply with applicable laws and regulations, including the regulations of the Financial Services Authority (OJK).
8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia and is a participant in the Indonesia Deposit Insurance Corporation (LPS).

1. Participants must be cautious of fraud committed by individuals acting on behalf of Bank Danamon by promising prizes 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.
2. Passwords/M-PINs/T-PINs/OTPs are confidential. Be wary of fraud attempts by individuals claiming to be Bank Danamon employees via telephone, fax, email, and/or other means of communication who ask for personal data, including passwords/M-PINs/T-PINs/OTPs. Bank Danamon employees will not ask for or inquire about customers' passwords/M-PINs/T-PINs/OTPs.