Terms and Conditions Mini Raffle DHB Mini Travel Fair

The program is valid from 27 January 2026 to 28 January 2026 ("Program Period").

The participants eligible to take part in the Program are all individual customers/individual persons who own a savings account at Bank Danamon ("Customers"). Not applicable to Bank Danamon employees.

1. Customers are required to read and understand the General Terms and Conditions of the Program
2. Customers are required to read and understand the General Terms and Conditions of each program included in this Program as stated in point 5 (five) below.
3. 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.
4. 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.
5. Customers are required to participate in the Program with the following terms and conditions and raffle coupon acquisition:

   Customer Target	Program Bundling Option	Raffle Coupon Quota
   Existing Customer   (Customers who already have Bank Danamon products and/or services)	Bundling 1   Customers must comply with and fulfil the terms and conditions: Mini Travel Fair 2026 Balance Top-Up Program*; and Danamon LEBIH PRO Foreign Currency (FCY) Activation Program**.   *The General Terms and Conditions of the Mini Travel Fair 2026 Balance Top-Up Program can be accessed on Bank Danamon's official website as follows: bdi.co.id/dlptravelfair   **The General Terms and Conditions of the Danamon LEBIH PRO Foreign Currency (FCY) Activation Program can be accessed on Bank Danamon's official website as follows: bdi.co.id/dlpfcy	1 (one) Raffle Coupon
   New Customer   (Customers who do not yet have Bank Danamon products and/or services)	Bundling 2   Customers must comply with and fulfil the terms and conditions: Mini Travel Fair 2026 Balance Top-Up Program*; and Danamon LEBIH PRO Foreign Currency (FCY) Activation Program**; and Danamon Hadiah Beruntun 5.0*** Program with Savings Draw Scheme - Fund Blocking.   *The General Terms and Conditions of the Mini Travel Fair 2026 Balance Top-Up Program can be accessed on Bank Danamon's official website as follows: bdi.co.id/dlptravelfair   **The General Terms and Conditions of the Danamon LEBIH PRO Foreign Currency (FCY) Activation Program can be accessed on Bank Danamon's official website as follows: bdi.co.id/dlpfcy   *** The General Terms and Conditions of the Danamon Hadiah Beruntun Program can be accessed on Bank Danamon's official website as follows: bdi.co.id/dhb5	2 (two) Raffle Coupon

6. Customers must participate in the bundling program as described in point 5 (five) above on the same day at the Mini Travel Fair event at two Bank Danamon branch offices as follows ("Mini Travel Fair Event") during the Program Period:

   Bank Danamon’s Branch Office	Address
   BDI Pekanbaru Wahid Hasyim	Jl. KH. Wahid Hasyim No.2, Sumahilang, Kec. Pekanbaru Kota, Kota Pekanbaru, Riau 28111
   BDI Palembang Mesjid Lama	Jl. Mesjid Lama No.170, 16 Ilir, Ilir Tim. I, Kota Palembang, Sumatera Selatan 30125

7. This program can only be participated in once by each Customer and cannot be repeated.
8. Customers will continue to receive interest (conventional) or profit sharing (sharia) in accordance with applicable regulations.

1. Customers who have fulfilled all the Terms and Conditions of the Program are eligible to collect lucky draw coupons in the number specified in point III.5 above at the Mini Travel Fair Event, while stocks last, with the following types of prizes and quotas ("Prizes"):

   Prize	Prize Quota (Unit)
   Travel Voucher IDR5 Million	1
   Travel Voucher IDR 2 Million	1
   Travel Voucher IDR 1 Million	3
   Travel Voucher IDR 500 Thousand	5
   MAP Club Points IDR 300 Thousand	10
   Total	20

2. If the prize quota is exhausted, customers will not have the opportunity to participate in the lucky draw.
3. Lucky draw prizes will be received by customers immediately during the program.
4. In the event that a customer, through the lucky draw coupon process, wins a prize in the form of a travel voucher, the customer is obliged to comply with the following terms and conditions of use for the travel voucher:
   1. Travel Vouchers must be exchanged by the Customer themselves and cannot be exchanged by a representative.
   2. Travel Vouchers can only be used to purchase products at the Mini Travel Fair on the same day that the Travel Voucher Prize is received.
   3. After receiving the prize, the customer must complete the payment process for the travel agent service booking invoice at the Bank Danamon Mini Travel Fair event by making a payment transaction using a debit/ATM card or credit/charge card issued by Bank Danamon and submitting the Travel Voucher at the travel agent's cashier.
   4. The Travel Voucher is only valid for one invoice, cannot be combined with multiple invoices, cannot be split, and cannot be used more than once.
5. In the event that the Customer, through the lucky draw coupon process, receives a prize in the form of MAPCLUB Points, the Customer is obliged to comply with the terms of use for the Travel Voucher as follows:
   1. The Customer must be a MAPCLUB member.
   2. For the purpose of awarding the MAPCLUB Points prize, Bank Danamon will provide the Customer's data/information, specifically the telephone number registered with Bank Danamon, to PT MAPCLUB Digital Asia. The prize will be awarded by crediting the MAPCLUB Points to the Customer's membership account on MAPCLUB.
   3. In the event of a discrepancy between the telephone number recorded in Bank Danamon's system and the Customer's MAPCLUB account managed by MAPCLUB, the Customer understands and agrees that they will not receive the MAPCLUB Points under this Program.
   4. The validity period of the prize in the form of MAPCLUB Points, along with its terms and conditions, may refer to the provisions stipulated by MAPCLUB.
   5. The prize will be awarded to the Customer within a maximum period of 7 (Seven) business days.
6. Prizes cannot be exchanged for cash, goods, or any other form.
7. Bank Danamon does not provide any warranty for prizes obtained by customers under this Program. Therefore, any complaints regarding the quality of prizes must be addressed directly to the prize manufacturer.
8. All tax calculations are based on the applicable tax regulations in Indonesia. Gift tax is borne by Danamon.
9. All matters relating to the calculation and reporting of taxes on gifts received by customers are the sole responsibility of the customer (self assessment basis).

1. Customers will not have the opportunity to take a lucky draw coupon if the prize quota as mentioned in point IV.1 above has been exhausted.
2. If a customer receives a Travel Voucher as a prize through the lucky draw coupon process but does not redeem it on the same day it is received or does not use it to purchase products at the Mini Travel Fair Event, the Travel Voucher cannot be used.

1. Customers can submit complaints regarding banking products/services 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 complaint services can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. Gifts, products and/or services from travel agents and airlines are not Bank Danamon products and are therefore the sole responsibility of the gift producers, travel agents and airlines concerned. If there are any problems and/or complaints regarding these products and/or services, please contact the relevant gift producers, travel agencies and airlines.
2. Other terms and conditions related to banking products and/or services, as long as they are not regulated differently in the General Terms and Conditions of this Programme, remain valid and binding on Customers and form an integral part of the General Terms and Conditions of the Program.
3. The General Terms and Conditions of this Program form an integral part of the "General Terms and Conditions of Accounts and Banking Services of PT Bank Danamon Indonesia Tbk", "General Terms and Conditions of Sharia Accounts and Banking Services of PT Bank Danamon Indonesia Tbk", "General Terms and Conditions of the Top Up Balance Mini Travel Fair 2026 Program", the "General Terms and Conditions of the Danamon Hadiah Beruntun Program", and the ‘General Terms and Conditions of the Danamon LEBIH PRO Foreign Currency (FCY) Activation Program". 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.
4. The Customer hereby agrees and acknowledges that Bank Danamon reserves the right to amend/modify/supplement these General Terms and Conditions of the Program from time to time. Any changes/additions/updates to these General Terms and Conditions of the Program will be notified via available communication channels at Bank Danamon. In the event of changes to benefits, risks, fees, 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 such change notification is made by Bank Danamon via its communication channels. The Customer agrees that they will be deemed to have accepted the changes if no objection is raised within this period. If the Customer does not agree with the changes, the Customer has the right to cancel participation in the Program after first settling all of their obligations to Bank Danamon (if any).
5. If any provision within these General Terms and Conditions of the Program is prohibited or becomes unenforceable or invalid or is declared void by law due to a Government or court ruling, this shall not affect the validity of the other provisions in these General Terms and Conditions of the Program, and the remaining provisions shall remain in full force and effect and be binding and enforceable as stipulated herein.
6. The Customer declares that there are not and will not be any transactions indicated as money laundering crimes and/or other transactions not permitted under the applicable laws and regulations in Indonesia.
7. If there is any indication of fraud, deception, transaction irregularities, unusual transactions, money laundering crimes, and/or actions not in accordance with laws and regulations, Bank Danamon reserves the right to cancel the transaction, cancel participation in the Program, and/or revoke the awarding of prizes to the relevant Customer. The Customer remains obligated to settle all of their obligations to Bank Danamon (if any).
8. The Customer agrees that the placement of funds in a savings account with a yield above the maximum insurable interest rate set by the Deposit Insurance Corporation is not guaranteed by the Deposit Insurance Corporation. Prizes received by the Customer are also considered as part of the maximum insurable interest rate component. The Customer can find out about changes to the maximum insurable interest rate through Bank Danamon branch offices or via Hello Danamon.
9. These General Terms and Conditions of the Program have been adjusted to comply with prevailing laws and regulations, including the regulations of the Financial Services Authority and the deposit insurance interest provisions based on the regulations of the Deposit Insurance Corporation.
10. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a participant in the Deposit Insurance Corporation's guarantee scheme.

Customers must be cautious of fraud committed by individuals impersonating Bank Danamon by promising prizes of any kind. All fraud or other criminal acts conducted by other/third parties associated with or in the name of the Program are beyond the authority of Bank Danamon.