FSC - Distributor Financing, Supplier Financing & Early Collection Structure Reward Program

The program runs for one year, with the program period commencing on 1 November 2025 and ending on 31 October 2026 ("Program Period").

1. Program Participants have received official information regarding the Program from the relevant Anchor Sales/Business Unit via email, telephone, WhatsApp, or other means of communication.
2. Program Participants are required to read and understand the General Terms and Conditions of the Program.
3. The Bank reserves the right to refuse/cancel the participation of Program Participants if they do not meet the General Terms and Conditions of the Program.
4. Program participants are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the participation and/or cancellation of participation of Program participants in this program.

1. Financial Supply Chain (FSC) Reward Program 2025 Terms and Conditions
   A.1. Reward for Distributor Financing (DF) and Supplier Financing (SF)
   
   1. Referral Reward for Anchor/Principal
   1. Program participants are Anchors/Principals who are new customers (new to bank) and/or existing customers (existing).
   2. Program participants refer DF facilities to Distributors and/or SF facilities to Suppliers who have not yet onboarded DF/SF facilities at the Bank, as evidenced by a reference letter containing information about the Distributor and/or Supplier to be provided to the Bank to offer DF or SF facilities. Disclosure of such information is confirmed to have obtained approval from the relevant Distributor and/or Supplier.
   3. Program participants are entitled to a cash reward of IDR 1,000,000 (one million rupiah) if the recommended Distributor and/or Supplier has signed a Credit Agreement (PK) with the Bank and meets the applicable Program Terms and Conditions.
   4. The available Referral Reward quota during the program period is as follows:
      1. In the DF Program, the maximum Reward per Program Participant is IDR 10,000,000 (ten million rupiah).
      2. In the SF Program, the maximum Reward per Program Participant is IDR 10,000,000 (ten million rupiah).
   
   
2. A.2. Reward for Early Collection Structure (ECS)
   1. Welcome Reward for Anchor/Principal
      1. Program Participants are Anchors/Principals who have registered with the DF facility.
      2. A Welcome Reward of IDR 10,000,000 will be given to Program Participants who have signed a Master Agreement for the Purchase of Receivables (ECS) with the Bank.
      3. Program Participants can only receive the Reward once during the Program Period.

2. Terms and Conditions for Reward Redemption
   Reward redemption will adhere to the following conditions:
   1. The cash reward provided by the Bank is a reward value that includes tax.
   2. The Bank will provide a cash reward to Program Participants who have fulfilled the Program Terms and Conditions in accordance with the sub-program they have participated in ("Program Winners"), based on a 3-phase distribution during the Program Period (April, August, and December 2026) with the details of each phase as follows:
      1. Phase 1: November 2025 to February 2026
      2. Phase 2: March 2026 to June 2026
      3. Phase 3: July 2026 to October 2026
   3. The Bank, through Anchor Sales/Business Unit, will notify the Program Winner via the Program Winner's registered email address at the Bank no later than 30 (thirty) working days after the end of each phase ("Notification of Reward Redemption").
   4. Program Winners are required to provide the Bank with their Tax Identification Number (NPWP) and Bank Danamon account number in the name of the Program Winner or other information required by the Bank in relation to the crediting of rewards through Anchor Sales/Business Unit via email, in accordance with the deadline specified by the Bank in the Reward Delivery Notification.
   5. In the event that the Program Winner refuses to accept the Reward and/or does not submit the information referred to in point 2 above within the deadline specified by the Bank, the Bank reserves the right to cancel the delivery of the Reward to the Program Holder concerned and the Bank reserves the right to transfer the delivery of the Reward to another eligible Program Winner.
   6. The Reward will be credited to the Program Winner's account no later than 60 (sixty) working days after the Reward Submission Notification.
   7. The Bank is not responsible for any failure to credit the cash reward due to an incorrect account number provided by the Program Winner.
   8. The Reward cannot be exchanged for goods or any other form of compensation.

Program Participants will not receive Rewards if they do not meet the applicable General Terms and Conditions of the Program.

There are no fees charged to Program Participants for participating in this program, including registration fees, Reward taxes, etc.

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

1. General Terms and Conditions This program constitutes an integral part of the General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk and the terms and conditions of other products and/or services used by Program Participants. These terms and conditions remain in effect unless otherwise stipulated in the General Terms and Conditions of this program.
   
2. Program Participants hereby agree and acknowledge that the Bank 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 the Bank. In the event of changes to the benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, Program Participants have the right to submit their objections in writing to the Bank within 30 (thirty) working days from the date of notification of such changes by the Bank through the communication media.
   
3. The titles and terms used in the General Terms and Conditions of this Program are solely intended to facilitate understanding of the contents of the General Terms and Conditions of this Program.
   
4. If there are indications of money laundering, fraud, cheating and/or transaction irregularities, the Bank reserves the right to cancel the Reward given to the Program Participant concerned.
   
5. The General Terms and Conditions of this Program are subject to the provisions of laws and regulations, including the provisions of the Financial Services Authority.
   
6. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the Indonesia Deposit Insurance Corporation (LPS).
   

Program participants must be cautious of fraud committed by individuals acting on behalf of the Bank by promising rewards of any kind. Any fraud or other criminal acts committed by other parties/third parties associated with or acting on behalf of this Program are beyond the Bank's authority.