Danamon LEBIH PRO - Mini Travel Fair

The program is valid from 5 January 2026 to 14 January 2026 (“Program Period”).

This program is only open to Bank Danamon customers who meet the following criteria ("Customers"):

1. Individuals;
2. are Danamon Privilege customers or Optimal segment customers at Bank Danamon;
3. have a Danamon LEBIH PRO or Danamon LEBIH PRO iB savings account;
4. have activated D-Bank PRO; and
5. are not employees of Bank Danamon Indonesia, its subsidiaries or affiliates.

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 the Program.
3. Customers 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. Certain customers selected and invited by Bank Danamon through Bank Danamon’s official communication channels (“Invited Customers”) may participate in the Program from 5 January 2026 to 9 January 2026.
5. Customers other than Invited Customers may participate in the Program at the Mini Travel Fair event held from 12 January to 14 January 2026 at 4 (four) Bank Danamon branch offices as follows (“Mini Travel Fair Event”):

   Bank Danamon Branch Office	Address
   BDI Pontianak Tanjung Pura	Jl. Tanjung Pura No.102, Benua Melayu Darat, Kec. Pontianak Sel., Kota Pontianak, Kalimantan Barat 78243
   BDI Samarinda Sudirman	Jl. Jend. Sudirman No.31, Bugis, Kec. Samarinda Kota, Kota Samarinda, Kalimantan Timur 75121
   BDI Balikpapan Sudirman	Jalan Jendral Sudirman No.54, Damai, Balikpapan Kota, Klandasan Ilir, Kec. Balikpapan Kota, Kota Balikpapan, Kalimantan Timur 76113
   BDI Banjarmasin Lambung Mangkurat	Jl. Lambung Mangkurat No.50, Kertak Baru Ilir, Kec. Banjarmasin Tengah, Kota Banjarmasin, Kalimantan Selatan 70111

6. Every Customer participating in this Program must first register by completing and signing the Program Participation Form.
7. Customers must block funds and foreign exchange transactions through their Danamon LEBIH PRO/Danamon LEBIH PRO iB account participating in the Program with the nominal amount as shown in the following table:

   Funds Blocking Amount (IDR)	Tenor	Foreign Exchange Transaction Amount (Minimum IDR)	Reward Amount*) (IDR)
   IDR 50,000,000	3 bulan	IDR 5,000,000	IDR 564,000
   IDR 100,000,000		IDR 5,000,000	IDR 1,102,000
   IDR 200,000,000		IDR 5,000,000	IDR 2,100,000
   IDR 500,000,000		IDR 50,000,000	IDR 5,930,000

   *)The voucher reward that customers will receive is a 50% discount voucher for transactions at the Mini Travel Fair event, up to the maximum reward amount stated above. The voucher reward is net, with taxes borne by Bank Danamon.
8. Funds deposited and blocked by Customers in Danamon Lebih PRO/Danamon LEBIH PRO iB savings accounts must be fresh funds, namely: (i) funds deposited in cash into the account through a Bank Danamon branch office; or (ii) funds transferred to the account from another bank account.
9. Foreign exchange transactions conducted through D-Bank PRO or at a Bank Danamon branch office, fund blocking and signing of the Program Participation Form must be done on the same day.
10. Notwithstanding the provisions of point 9 above, specifically for Privilege Customers who block funds at the Mini Travel Fair event at a Bank Danamon branch office as referred to in point 5 (five) above:
    1. If the deposit and blocking of funds are not carried out simultaneously, the Customer is required to deposit and block an initial amount of IDR 100,000,000.00 (one hundred million rupiah) at the Mini Travel Fair event, with the remainder to be deposited at a Bank Danamon branch office no later than 28 January 2026.
    2. Foreign exchange transactions with a minimum transaction amount of IDR 50,000,000.00 (fifty million rupiah) must be conducted on the day the Customer makes the initial deposit and funds block.
    3. If the Customer fails to deposit and block the remaining funds by 28 January 2026, the Customer will be charged a Penalty Fee/Prize Replacement Fee equivalent to the nominal value of the prize and taxes.
11. Bank Danamon will block the Customer's account in accordance with the Blocked Funds Amount stated in the Form.
12. If the Participant cancels their participation in this Program, the Customer must visit the Bank Danamon branch where they registered for the Program and sign the Program Cancellation Form. Upon cancellation, the Customer will be charged a Penalty Fee/Prize Replacement Fee in accordance with the General Terms and Conditions of the Program. The Penalty Fee/ Prize Replacement Fee will be paid by the Customer in a lump sum by Bank Danamon debiting the Customer's Bank Danamon account.
13. If the Customer cancels their participation in the Program, the Customer will be charged a Penalty Fee/ Prize Replacement Fee amounting to:
    1. Danamon LEBIH PRO: Penalty fee of 5% (five per cent) of the blocked funds.
    2. Danamon LEBIH PRO iB: Prize Replacement Fee equal to the value of the prize received plus 20% (twenty per cent) tax on the prize.
14. This program can only be participated in once by each Customer and cannot be repeated.
15. This program cannot be combined with other fund placement programs and/or promotions.
16. Funds blocked under this program cannot be counted as fund placements for other programs organised by Bank Danamon.
17. Customers will continue to receive interest (conventional) or profit sharing (sharia) in accordance with the applicable provisions.

1. Customers who have fulfilled all the Terms and Conditions of the Program will receive a reward in the form of a 50% (fifty percent) discount voucher up to a maximum amount corresponding to the reward value for purchases of products sold at the Mini Travel Fair Event ("Voucher Reward").
2. The Voucher Reward will be given to the first 90 (ninety) Customers who register to participate in this Program and meet all the General Terms and Conditions of the Program. The availability of quotas will be informed by Bank Danamon staff before Customers fill out and sign the Program Participation Form.
   1. A voucher reward for the Rp500,000,000 (five hundred million rupiah) tier will be given to the first five (5) customers who register to participate in this Program and meet all the General Terms and Conditions of the Program. Availability of the quota will be informed by Bank Danamon staff before the Customer completes and signs the Program Participation Form.
   2. The Program offer is subject to the available quota. Once the quota is fully allocated, the Program can no longer be offered to customers, and registration will automatically be closed.
3. The Voucher Reward is subject to the following conditions:
   1. Bank Danamon will only give Voucher Rewards at the Mini Travel Fair Event.
   2. Voucher Rewards can only be used for product purchases at the Mini Travel Fair Event on the same day the Voucher Gift is received.
   3. Product purchases must be made using a Danamon Debit/ATM Card or Credit Card at the Mini Travel Fair Event.
   4. The Voucher Reward is only valid for one purchase invoice, cannot be combined with multiple invoices, cannot be split, and cannot be used more than once.
4. The Lucky Draw prize is subject to the following conditions:
   1. Customers who have fulfilled all the General Terms and Conditions of the Program and made a product purchase transaction at the Mini Travel Fair Event using the Voucher Prize will receive an additional prize in the form of one (1) chance to participate in the Lucky Draw while quotas are available, with the following quota conditions:

      Type of Prize	Qty / Mini Travel Fair Location
      American Tourister Koper Hardcase Argyle Cabin 20 Inch	1
      Foldable Umbrella	1
      Toiletries Pouch	1
      Travel Adapter	4
      Xiaomi Redmi Buds 6 Lite	9
      VIVAN Powerbank 10.000 mAh	2
      Total	20

   2. If the Lucky Draw prize quota has been exhausted, customers will not receive a Lucky Draw prize.
   3. Lucky Draw prizes will be received by customers immediately during the Mini Travel Fair event.
5. The tax on Voucher/Lucky Draw prizes is borne by Bank Danamon.
6. All matters relating to the calculation and reporting of tax on prizes received by Customers are the sole responsibility of the Customer (self-assessment basis).
7. Prizes cannot be exchanged for cash under any circumstances, cannot be transferred by the Customer to anyone else, and are not cumulative.
8. Customers understand and agree that voucher rewards will be calculated as the amount of interest received by Customers on their deposits. Therefore, if the value of the voucher exceeds or is above the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation for Savings, the excess portion will not be guaranteed by the Indonesia Deposit Insurance Corporation. Customers can find out about changes to the maximum guaranteed interest rate through Bank Danamon branches or through Hello Danamon at 1-500-900 or by emailing hellodanamon@danamon.co.id.

1. The Customer hereby authorises Bank Danamon to: (i) block and unblock funds in accordance with the Program Participation Form and the General Terms and Conditions of the Program; and/or (ii) debit the Customer's account at Bank Danamon for the payment of Penalty Fees/ Prize Replacement Fee if the Customer cancels the Program in accordance with the Cancellation Form or fails to block the remaining funds in accordance with 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 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 business shall result in the revocation of the first power of attorney, effective from the date of notification of the appointment to the latter) The Civil Code and these powers are an integral part of the General Terms and Conditions of this Program.

*The invoice price is an illustrative price (not a reference price/not the actual price).

Scenario Explanation:

• Customers A, B and C received rewards based on the number of transactions they made, in the form of a 50% Travel Fair discount voucher and one chance to participate in a lucky draw.
• Customer D did not receive a reward because the placement date was outside the program period.

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 procedure for Customer Complaints can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. The products and/or services of Sentosa, TX, Bayu Buana, Dwidaya travel agencies and airlines are not products of Bank Danamon and are not its responsibility. They are entirely the responsibility of Sentosa, TX, Bayu Buana, Dwidaya travel agencies and the airlines concerned. If there are any problems and/or complaints regarding these products and/or services, please contact Sentosa, TX, Bayu Buana, Dwidaya travel agencies and the airlines concerned.
2. The General Terms and Conditions of this Program are an integral part of the "General Terms and Conditions of Accounts and Banking Services" or "General Terms and Conditions of Sharia Accounts and Banking Services", "General Terms and Conditions of D-Bank PRO", “General Terms and Conditions for Danamon LEBIH PRO Savings”, “General Terms and Conditions for Danamon LEBIH PRO iB Savings” and other terms and conditions related to banking products and/or 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 Customer hereby agrees and acknowledges that Bank Danamon reserves the right to amend/change/supplement the General Terms and Conditions of the Program from time to time. Any changes/additions/updates to the General Terms and Conditions of the 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 these General Terms and Conditions of the 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).
4. The verification and approval process for opening banking products and/or services is entirely at the discretion of Bank Danamon.
5. The Customer declares that they are not currently and will not engage in transactions that indicate money laundering and/or other transactions that are not permitted under the applicable laws and regulations in Indonesia.
6. 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 reserves the right to cancel the transaction, cancel participation in the Program, and/or the provision of Program benefits to the Customer concerned. Customers remain obliged to settle all their obligations to Bank Danamon (if any). 
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. If any irregularities are found in relation to this Program or if fraud is suspected, Customers are advised to immediately report it through Hello Danamon.
9. 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.
10. Bank Danamon is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the Indonesia Deposit Insurance Corporation.

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 Bank Danamon or the Program are beyond the authority of Bank Danamon.