Special Gift for New Digital Acquisition Customers 2025

Simulation Results
Investment Goals	Future Investment
Komparasi Jenis Aset Konvensional :	Time Deposit
Komparasi Jenis Aset Investasi :	Small Mid Cap Equity Funds
Nominal Investasi Awal	0,00
Nominal Investasi Bulanan	0,00

Time Deposit	Small Mid Cap Equity Funds
Total Savings + Return 71.228.531,00	Total Savings + Return 78.729.940,72
Total Savings 70.000.000,00	Total Savings 70.000.000,00
Total Return 1.228.531,00	Total Return 8.729.940,72
Nilai Pertumbuhan % 1,76%	Nilai Pertumbuhan % 12,47%
Jangka Waktu Investasi 20 Tahunan	Jangka Waktu Investasi 20 Tahunan

Simulation
Property Prices	0,00
Down Payment	0,00
Investment Period	1 Year
Annual Interest Rate (%)	0%
Loan Amount	0,00
Monthly Installment	0,00

Simulation Results:
Your Loan Amount	0,00
Loan Period	1 Month
Monthly Interest Rate (%)	0%
Total Monthly Installment	0,00

Simulation Table
Type of Loan	Simple Working Capital
Type of Business	Service
Monthly Sales	0
Total Loans from Other Banks	0
Kebutuhan Modal Kerja	0
Total limit yang dapat diberikan	0

Simulation Table
Type of Loan	Complete Working Capital
Average monthly sales	0
Cost of goods sold	0
Siklus Modal Kerja	0
Piutang	0
Inventori	0
Hutang Dagang	0
Kebutuhan Modal Kerja	0

Program Description

General Terms and Conditions of this Program – Average Balance for Finku Customers (“General Terms and Conditions of the Program”) These are the terms and conditions for Customers participating in the 2025 Digital Acquisition Special Direct Reward Programme for New Customers – Average Balance for Finku Customers (“Program") organised by PT Bank Danamon Indonesia Tbk ("Bank Danamon") in collaboration with PT Sahabat Finansial Kamu (“Finku").

Customers hereby agree and bind themselves to all provisions of the General Terms and Conditions of this Program with the following terms and conditions:

Program Period

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

Customer Criteria

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

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

Program Terms and Conditions

To participate in this Program, Participants must read and understand the General Terms and Conditions of this Program.
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.
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.
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.
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.
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.
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

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.
Transactions must be made in the same month as the account was opened.
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

Participants in the Program will only receive a maximum of one (1) Reward during the Program Period.
The Program is not cumulative and cannot be combined with other programs.
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.
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).
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.

Prize Awarding Mechanism

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.
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.
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).

Program Simulation

NO	ILLUSTRATION	REWARD AWARDING
1	Customer A – Registered to open a Danamon LEBIH PRO account through D-Bank PRO using the referral code BDIFINKU, and activated D-Bank PRO on 20 October 2025. The Customer then immediately made an initial deposit of IDR 3,000,000 (three million rupiah) into Danamon LEBIH PRO and maintained it until 19 November 2025. The Customer did not make any transactions.	The customer did not receive a prize worth IDR 100,000. Explanation: The customer did not meet all the requirements related to opening an account as stipulated in the General Terms and Conditions of this Program, including making 2 transactions. Although the customer's average minimum balance for 30 days since opening the account was IDR 3,000,000 (three million rupiah), they were not entitled to receive the Tier 1 reward.
2	Customer B – Registered to open a Danamon LEBIH PRO account through D-Bank PRO using the referral code BDIFINKU, and activated D-Bank PRO on 14 November 2025. The customer then immediately made an initial deposit of IDR 5,000,000 and maintained it until 13 December 2025 The customer adds funds on 20 November 2025 in the amount of IDR 200,000 and makes 2 transactions on D-Bank PRO (e-money top-up and mobile credit purchase).	Customers receive a reward worth IDR 200,000. (Tier 2) Explanation: Customers meet all the requirements related to opening an account as stipulated in the General Terms and Conditions of this Program, including making 2 transactions in the same month as the account opening month (November), with a minimum average balance of Rp5,000,000 (five million rupiah) for 30 days from the account opening date, thereby entitling them to receive the Tier 2 reward.
3	Customer C – Registered to open a Danamon LEBIH PRO account through D-Bank PRO using the referral code BDIFINKU on 29 October 2025 and activated D-Bank PRO on 1 November 2025. The customer then made an initial deposit of IDR 5,000,000 (five million rupiah) on 1 November 2025 and maintained it until 30 November 2025. The customer made 3 transactions on D-Bank PRO (e-money top-up and mobile credit purchase) with a total value of IDR 300,000.00 (three hundred thousand rupiah) on 12 November 2025.	The customer did not receive a prize worth IDR 100,000 (Tier 1) Explanation: The customer did not meet all the requirements for opening an account as stipulated in the General Terms and Conditions of this Program, including making 2 transactions outside the specified period (transactions should be made in the same month as the account was opened). Although the customer's average minimum balance for 30 days since the account was opened is IDR 5,000,000 (five million rupiah), they are not entitled to receive the Tier 1 reward.
4	Customer D – Registers to open a Danamon LEBIH PRO account through D-Bank PRO using the referral code BDIFINKU, and activates D-Bank PRO on 20 October 2025. The customer then immediately makes an initial deposit of IDR 5,000,000 and maintains this balance until 19 November 2025. The customer adds funds on 30 October 2025 in the amount of IDR 200,000 and makes 2 transactions on D-Bank PRO (QRIS and VA Payment) on 2 November 2025.	The customer did not receive the IDR 200,000 reward (Tier 2) Explanation: The customer did not meet all the requirements for opening an account as stipulated in the General Terms and Conditions of this Program, including making 2 transactions outside the specified period (transactions should be made in the same month as the account was opened). Although the customer's average minimum balance over 30 days since the account was opened was IDR 5,013,333 (five million thirteen thousand three hundred and thirty-three rupiah), they are not eligible to receive the Tier 2 reward.

NO

ILLUSTRATION

REWARD AWARDING

1

Customer A – Registered to open a Danamon LEBIH PRO account through D-Bank PRO using the referral code BDIFINKU, and activated D-Bank PRO on 20 October 2025.

The Customer then immediately made an initial deposit of IDR 3,000,000 (three million rupiah) into Danamon LEBIH PRO and maintained it until 19 November 2025.

The Customer did not make any transactions.

The customer did not receive a prize worth IDR 100,000.

Explanation:

The customer did not meet all the requirements related to opening an account as stipulated in the General Terms and Conditions of this Program, including making 2 transactions. Although the customer's average minimum balance for 30 days since opening the account was IDR 3,000,000 (three million rupiah), they were not entitled to receive the Tier 1 reward.

2

Customer B – Registered to open a Danamon LEBIH PRO account through D-Bank PRO using the referral code BDIFINKU, and activated D-Bank PRO on 14 November 2025.

The customer then immediately made an initial deposit of IDR 5,000,000 and maintained it until 13 December 2025

The customer adds funds on 20 November 2025 in the amount of IDR 200,000 and makes 2 transactions on D-Bank PRO (e-money top-up and mobile credit purchase).

Customers receive a reward worth IDR 200,000.

(Tier 2)

Explanation:

Customers meet all the requirements related to opening an account as stipulated in the General Terms and Conditions of this Program, including making 2 transactions in the same month as the account opening month (November), with a minimum average balance of Rp5,000,000 (five million rupiah) for 30 days from the account opening date, thereby entitling them to receive the Tier 2 reward.

3

Customer C – Registered to open a Danamon LEBIH PRO account through D-Bank PRO using the referral code BDIFINKU on 29 October 2025 and activated D-Bank PRO on 1 November 2025.

The customer then made an initial deposit of IDR 5,000,000 (five million rupiah) on 1 November 2025 and maintained it until 30 November 2025.

The customer made 3 transactions on D-Bank PRO (e-money top-up and mobile credit purchase) with a total value of IDR 300,000.00 (three hundred thousand rupiah) on 12 November 2025.

The customer did not receive a prize worth IDR 100,000 (Tier 1)

Explanation:

The customer did not meet all the requirements for opening an account as stipulated in the General Terms and Conditions of this Program, including making 2 transactions outside the specified period (transactions should be made in the same month as the account was opened).

Although the customer's average minimum balance for 30 days since the account was opened is IDR 5,000,000 (five million rupiah), they are not entitled to receive the Tier 1 reward.

4

Customer D – Registers to open a Danamon LEBIH PRO account through D-Bank PRO using the referral code BDIFINKU, and activates D-Bank PRO on 20 October 2025.

The customer then immediately makes an initial deposit of IDR 5,000,000 and maintains this balance until 19 November 2025.

The customer adds funds on 30 October 2025 in the amount of IDR 200,000 and makes 2 transactions on D-Bank PRO (QRIS and VA Payment) on 2 November 2025.

The customer did not receive the IDR 200,000 reward (Tier 2)

Explanation:

The customer did not meet all the requirements for opening an account as stipulated in the General Terms and Conditions of this Program, including making 2 transactions outside the specified period (transactions should be made in the same month as the account was opened). Although the customer's average minimum balance over 30 days since the account was opened was IDR 5,013,333 (five million thirteen thousand three hundred and thirty-three rupiah), they are not eligible to receive the Tier 2 reward.

Customer Complaints

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.
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.

Other Terms and Conditions

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.
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.
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).
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.
If any irregularities related to this Programme are found or if fraud is suspected, Participants are advised to immediately inform Hello Danamon.
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).
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).
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).

Reminder

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.
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.