Cashback 100% Up to IDR 250K

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 the Program (“General Terms and Conditions”) constitute the terms and conditions applicable to Customers participating in the Regular QRIS Program – Regional Based Ecosystem – East Java (“Program”) organized by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).

By participating, the Customer agrees to and is bound by all provisions set forth in these General Terms and Conditions of the Program as follows:

Program Period

Program Period (“Program Period”) are as follows:

a. Automotive Category:

Region	MERCHANT	Program Period
East Java	Barometer Ban	1 August 2025 – 31 December 2025
East Java	Barometer Variasi	1 August 2025 – 31 December 2025
East Java	Autoschoon	1 August 2025 – 31 December 2025
East Java	Yoong Motor	1 August 2025 – 31 December 2025
East Java	Whoosh	1 August 2025 – 31 December 2025
East Java	Delta Sari Variasi	1 August 2025 – 31 December 2025
East Java	Acme Variasi	1 August 2025 – 31 December 2025
East Java	Hg Audiophile	1 August 2025 – 31 December 2025
East Java	Gajah Mada Ban	1 August 2025 – 31 December 2025
East Java	Anang Vic	1 August 2025 – 31 December 2025
East Java	New Fajar Motor	1 August 2025 – 31 December 2025
East Java	Kedungdoro Variasi	1 August 2025 – 31 December 2025
East Java	Rajawali Mas Ban	1 August 2025 – 31 December 2025
East Java	Gajah Mas Ban	1 August 2025 – 31 December 2025

b. Non-Automotive Category:

Region	MERCHANT	Program Period
East Java	Ah Pek Kopitiam Tunjungan Ah Pek Kopitiam Kupang Ah Pek Kopitiam Malang Ah Pek Kopitiam Gresik My Kopi O! Ciputra World My Kopi O! Grand City My Kopi O! Pakuwon Mall Qua-Li Noodle & Rice Tp4 Qua-Li Noodle & Rice Pakuwon Mall Qua-Li Noodle & Rice Gm	21 July 2025 – 31 December 2025
East Java	Carnis Gubeng	1 August 2025 – 31 December 2025
East Java	Carnis Panjang Jiwo	1 August 2025 – 31 December 2025
East Java	Daun Lada	1 August 2025 – 31 December 2025
East Java	Nusantara Plastik (Packindo & Expand)	1 August 2025 – 31 December 2025
East Java	Luwes Tailor	1 August 2025 – 31 December 2025
East Java	House Of David	1 August 2025 – 31 December 2025
East Java	Tambak Bayan	1 August 2025 – 31 December 2025
East Java	Yogurt Republic	1 August 2025 – 31 December 2025
East Java	Sancha	1 August 2025 – 31 December 2025
East Java	Boga (Bakerzin Dan Namhyeong)	1 August 2025 – 31 December 2025
East Java	Toko Rias (Pt.Astha Makmur Lestari)	1 August 2025 – 31 December 2025

Program Participant Criteria

Eligible Customers for this Program are as follows:

Customers of Bank Danamon who have the D-Bank PRO application and hold an active Danamon savings account and/or credit card during the Program Period.
This Program is not applicable to employees of Bank Danamon.

Hereinafter referred to as the (“Customer”).

Program Terms and Conditions

Prior to participating in the Program, the Customer is required to read, understand, and acknowledge the characteristics, benefits, risks, fees, and other provisions of the Program, and agree to the General Terms and Conditions of the Program.
Bank Danamon reserves the right to reject or cancel the Customer’s participation in the Program if the Customer does not comply with the General Terms and Conditions of the Program.
The Customer shall be fully responsible for any risks, losses, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in the Program.
The Customer must have an account and be registered with the D-Bank PRO Mobile Banking Service.
By conducting transactions in accordance with the General Terms and Conditions of the Program, the Customer is deemed to have read, understood, and agreed to comply with the Program and its General Terms and Conditions. Such transactions shall serve as valid evidence of the Customer’s participation in the Program and their agreement to be bound by the General Terms and Conditions of the Program.

Program Terms and Conditions For Issuance of Reward

Customers will receive a prize if they have fulfilled the General Terms and Conditions of the Program, subject to quota availability.
The prize scheme is in the form of cashback (“Prize”) by making payment transactions using QRIS via D-Bank PRO, with the source of funds from a savings account and/or credit card, without a minimum transaction amount, at merchants as specified in the General Terms and Conditions of the Program.
Cashback and transaction quota for the QRIS D-Bank PRO Program are categorized as follows:

a. Automotive Category:

REGION	MERCHANT	MERCHANT ADDRESS	PROGRAM PRIZE	PROGRAM QUOTA	QUOTA PER CUSTOMER
East Java	Barometer Ban	Jl. HOS Cokroaminoto No.71, Jember	Cashback 100% Up to IDR 250,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Barometer Variasi	Jl. HOS Cokroaminoto No.68, Jember	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Autoschoon	Parkir Mobil Area 1A Ciputra World, Jl. M No.89, Surabaya	Cashback 100% Up to IDR 50,000	300 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Yoong Motor	1. Jl. Krukah Timur 47 Surabaya 2. Jl. Ir. Soekarno MERR, Surabaya	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Whoosh	1. Jl. Tenggilis Utara No. 6, Surabaya 2. Jl. Kranggan No. 96 Bubutan, Surabaya 3. Jl. Kranggan No. 98 Bubutan, Surabaya	Cashback 100% Up to IDR 50,000	300 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Delta Sari Variasi	Jl. Kedungsari No.145A, Surabaya	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Acme Variasi	Jl. Kedungsari No 129-131, Tegalsari, Surabaya	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Hg Audiophile	1. Jl. Ngagel Jaya Utara 132, Surabaya 2. Jl. Ngagel Jaya Utara 148, Surabaya	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Gajah Mada Ban	Jl. Undaan Wetan No 16E Surabaya	Cashback 100% Up to IDR 250,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Anang Vic	Jl Mleto No 16 C, Surabaya	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	New Fajar Motor	Jl. Kedungdoro no 36-46 Blok C-10, Tegalsari Surabaya	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Kedungdoro Variasi	Jl. Kedungdoro No.135, Surabaya	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Rajawali Mas Ban	Raya Mulyosari No.131, Surabaya	Cashback 100% Up to IDR 250,000	200 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Gajah Mas Ban	Ir H. Soekarno No. 24, Surabaya	Cashback 100% Up to IDR 250,000	200 Transactions	Maximum of one (1) Prize per customer during the program period

b. Non-Automotive Category

REGION	MERCHANT	MERCHANT ADDRESS	PROGRAM PRIZE	PROGRAM QUOTA	QUOTA PER CUSTOMER
East Java	1. Ah Pek Kopitiam Merr 2. Ah Pek Kopitiam Tunjungan 3. Ah Pek Kopitiam Kupang 4. Ah Pek Kopitiam Malang 5. Ah Pek Kopitiam Gresik 6. My Kopi O! Ciputra World 7. My Kopi O! Grand City 8. My Kopi O! Pakuwon Mall 9. Qua-Li Noodle & Rice Tp4 10. Qua-Li Noodle & Rice Pakuwon Mall 11. Qua-Li Noodle & Rice Gm	1. Jl. Dr.Ir.H Soekarno no 221, Surabaya 2. Jl. Tunjungan no 82, Surabaya 3. Jl. Raya Kupang Indah no 17, Surabaya 4. Jl. Semeru no 60, Malang 5. GressMall P1, Jl. Sumatera1-5, Gresik 6. Ciputra World Mall Lt 3 no 8, Jl Mayjen Sungkono No. 89 Surabaya 7. Grand City Mall Lt3 Unit 3.23, Jl. Walikota Mustajab No.1 Surabaya 8. Pakuwon Mall Level 1, Jl. Puncak Indah Lontar No. 2 Surabaya 9. Tunjungan Plaza 4 Lt 5 unit 50-51 Jl. Jenderal Basuki Rahmat No. 8-12 Surabaya 10. Pakuwon Mall Level B1 Jl. Puncak Indah Lontar No. 2 Surabaya 11. Galaxy Mall Extension, Jl Dharmahusada Indah Timur no 37 3rd Floor Surabaya	Cashback 100% s.d IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Carnis Gubeng	Jl. Raya Gubeng No. 96, Surabaya	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Carnis Panjang Jiwo	Jl. Raya Panjang Jiwo Permai No. 2B, Surabaya	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Daun Lada	1. Daun Lada Pakuwon City Surabaya 2. Daun Lada Trans Icon pasbaya 3. Daun Lada Trans Studio Surabaya 4. Daun Lada Pakuwon Solo 5. Daun Lada Solo Paragon 6. Daun Lada Transmart Rungkut, Surabaya 7. Daun Lada Tunjungan Plaza 6, Surabaya 8. Daun Lada Lippo Plaza, Sidoarjo 9. Daun Lada Galaxy Mall, Surabaya	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Nusantara Plastik (Packindo & Expand)	Jl. Dr.Soetomo No.34, Banyuwangi	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Luwes Tailor	Jl. Prof.DR.Moestopo No.126, Surabaya	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	House Of David	1. Galaxy Mall 3. Jl. Ir. Soekarno Lt.3, Surabaya 2. Pakuwon City Mall,Surabaya 3. Apartement Water Place, PTC Pakuwon Surabaya	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Tambak Bayan	Jl. Niaga Gapura No.15, Surabaya	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Yogurt Republic	1. Yogurt Republic Tunjungan Plaza Surabaya 2. Yogurt Republic Pakuwon Mall Surabaya 3. Yogurt Republic Pakuwon City Mall Surabaya 4. Yogurt Republic Lippo Plaza Sidoarjo 5. Yogurt Republic MOG Malang	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Sancha	1. Sancha Tunjungan Plaza Surabaya 2. Sancha Pakuwon Mall Surabaya 3. Sancha Hokky Surabaya 4. Sancha Royal Plaza Surabaya 5. Sancha MOG Malang	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Boga (Bakerzin Dan Namhyeong)	1. Bakerzin Tunjungan Plaza Surabaya 2. Bakerzin Pakuwon Mall Surabaya 3. Nam Hyeong Pakuwon Mall Surabaya 4. Nam Hyeong Pakuwon City Mall Surabaya 5. Nam Hyeong Mall of Indonesia, Jakarta 6. Nam Hyeong Lippo Mall Puri Jakarta	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
East Java	Toko Rias (Pt.Astha Makmur Lestari)	Jl. Kalikepiting No. 90 Surabaya	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period

The Prize will be credited to the Customer’s account used for conducting the Transactions no later than 30 (thirty) business days after the end of the Program Period in the month the Transactions were made.
Participation in this Program is free of charge for the Customer.
The Customer understands and agrees that if the Program Quota is exhausted before the Program Period ends, the Customer will not receive any Cashback.
In the event that the Customer’s account used for conducting Transactions is inactive, blocked, or in any condition that prevents the Cashback from being credited, the Customer acknowledges that the Cashback cannot be granted.

Participating Outlet

Customer Complaints

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

Other Term and Conditions

Other terms and conditions related to banking products, services, and/or Transactions, insofar as they are not regulated differently in these General Terms and Conditions of the Program, shall remain valid and binding upon the Customer and form an integral part of this Program.
These General Terms and Conditions of the Program form an inseparable part of the “General Terms and Conditions of Bank Danamon Accounts and Banking Services” and the “General Terms and Conditions of D-Bank PRO.” These terms and conditions remain valid unless otherwise regulated in these General Terms and Conditions of the Program.
The Customer hereby agrees and acknowledges that Bank Danamon reserves the right to revise/amend/supplement these General Terms and Conditions of the Program from time to time. Any changes/additions/updates to these General Terms and Conditions will be communicated through the communication channels available at Bank Danamon. In the event of changes to benefits, risks, fees, terms, and conditions under these General Terms and Conditions, the Customer has the right to submit a written objection to Bank Danamon within 30 (thirty) business days from the date the changes are communicated by Bank Danamon. The Customer agrees that if no objection is submitted within the specified period, the Customer shall be deemed to have accepted the changes. If the Customer does not agree to the changes, the Customer has the right to cancel their participation in the Program, provided that all obligations to Bank Danamon (if any) have been settled. The Customer declares that there are no and will not be any Transactions that indicate money laundering or other Transactions prohibited under the prevailing laws and regulations in Indonesia.
The Customer agrees that Bank Danamon reserves the right to cancel the Prize distribution under this Program if the Customer does not meet the General Terms and Conditions of the Program.
The Customer declares that there are no and will not be any Transactions that indicate money laundering or other Transactions prohibited under the prevailing laws and regulations in Indonesia.
In the event of any indication of fraud, misconduct and/or irregular Transactions, unreasonable Transactions, money laundering, and/or actions that violate applicable laws and regulations, Bank Danamon reserves the right to cancel the Transactions, cancel the Customer’s participation in the Program, and/or cancel the Cashback distribution to the relevant Customer. The Customer remains obligated to settle all outstanding obligations to Bank Danamonn.
These General Terms and Conditions of the Program have been adjusted in accordance with applicable laws and regulations, including regulations issued by the Financial Services Authority (OJK).
PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the Deposit Insurance Corporation (LPS) guarantee program.

Reminder

Customers must be cautious of fraud committed by individuals claiming to represent Bank Danamon and promising Cashback in any form. Any fraud or other criminal acts committed by third parties in connection with or claiming to represent the Program are beyond the authority of Bank Danamon.