Danamon LEBIH PRO Foreign Exchange Transaction

The Program shall be conducted during the period commencing on February 2^st, 2026 until February 28^th, 2026 (“Period of Program”).

This Program may only be participated in by program participant who meet the following criteria (“Program Participant”):

1. Individual customers who receive an invitation from the Bank to participate in this Program through the Bank’s official communication channels.
2. Individuals who do not yet hold a Danamon LEBIH PRO savings account and received an invitation from the Bank.

1. Program Participant is required to read and understand the Program General Terms and Conditions.
2. The Bank reserves the right to reject or cancel a Program Participant’s involvement in the Program should they fail to comply with the Program General Terms and Conditions.
3. The Program Participant shall be fully responsible for any risk, losses, demands, lawsuits, and/or claims arising in connection with their participation in and/or cancellation of participation in this Program.
4. Program Participants who do not yet have a Danamon LEBIH PRO savings account with the Bank are required to open a Danamon LEBIH PRO savings account prior to conducting any foreign currency purchase transactions.
5. Program Participants must conduct foreign currency purchase transactions through their Danamon LEBIH PRO account via the d-Bank PRO application during the Program Period, subject to the following conditions:

   Transaction Amount per Transaction per Foreign Currency	Cashback in USD
   	1 Foreign Currency	2 Foreign Currency	3 Foreign Currency
   Tier 1: IDR 10,000,000	USD 2	USD 4	USD 8
   Tier 2: IDR 15,000,000	USD 5	USD 9	USD 15

6. The foreign currency purchase transaction amount referred to above is the total transaction amount per foreign currency conducted during the Program Period.
7. By performing foreign currency purchase transactions through the D-Bank PRO application in accordance with the General Terms and Conditions of the Program, the Program Participant shall be deemed to have read, understood, and agreed to participate in the Program and to be bound by the Program General Terms and Conditions. Such transactions shall constitute valid evidence of the Program Participant involvement in the Program and their agreement to comply with the Program General Terms and Conditions.

1. Program Participant who has fulfilled the Program General Terms and Conditions shall be entitled to receive the cashback as determined under the Program (the “Cashback”).
2. The Cashback amount will be calculated based on the tiering of the foreign currency transaction amount conducted by the Program Participant during the Program Period.
3. If a Program Participant conducts multiple Transactions in the same foreign currency during the Program Period, the Cashback amount will be calculated based on the higher Transaction Tier.
4. If a Program Participant conducts a combination of Transaction Tiers across more than 1 (one) foreign currency, the Cashback amount will be calculated based on the lower Transaction Tier.
5. The cashback value is not cumulative.
6. For Program Participants who are eligible to receive Cashback, the Cashback will be credited to the Participant’s USD Danamon LEBIH PRO account no later than 30 (thirty) business days after the last date of the transaction month.
7. If the Program Participant’s USD Danamon LEBIH PRO account is inactive, blocked, or otherwise unable to receive the Cashback credit, the Program Participant hereby acknowledges and agrees that the Cashback cannot be credited and that the Participant will not receive the Cashback.
8. The Bank shall remit any applicable tax deductions (if any) arising from the receipt of the cashback reward to the competent tax authority. All matters related to the calculation and reporting of taxes on the cashback received by the Program Participant shall be the sole responsibility of the Program Participant (based on a self-assessment basis).
9. Cashback illustration:
   • ILLUSTRATION 1
     

     Customer A is an invited customer in this Program.

     Customer A then conducts a foreign currency transaction in February 2026, namely USD equivalent to IDR 10,000,000.

     The foreign currency transaction is carried out through Customer A’s Danamon LEBIH PRO account via D-Bank PRO.

     Since Customer A conducts a foreign currency transaction in the IDR 10,000,000 tier for 1 foreign currency, Customer A is entitled to receive Cashback of USD 2, no later than 30 (thirty) business days after 28 February 2026.

   • ILLUSTRATION 2
     

     Customer B is an invited customer in this Program.

     Customer B then conducts foreign currency transactions in February 2026, namely USD equivalent to IDR 15,000,000 and SGD equivalent to IDR 15,000,000.

     The foreign currency transactions are carried out through Customer B’s Danamon LEBIH PRO account via D-Bank PRO.

     Since Customer B conducts foreign currency transactions in the IDR 15,000,000 tier for 2 foreign currencies, Customer B is entitled to receive Cashback of USD 9, no later than 30 (thirty) business days after 28 February 2026.

   • ILLUSTRATION 3
     

     Customer C is an invited customer in this program.

     Customer C then conducts foreign currency transactions in February 2026, namely USD equivalent to IDR 10 million and IDR 15 million.

     All foreign currency transactions were carried out through Customer C’s Danamon LEBIH PRO account via D Bank PRO.

     Since Customer C conducted foreign currency transactions at the Tier amounts of IDR 10 million and IDR 15 million for the same foreign currency, Customer C is entitled to receive Cashback of USD 5, no later than 30 (thirty) working days after 28 February 2026.

   • ILLUSTRATION 4
     

     Customer D is an invited customer in this program.

     Customer D then conducts foreign currency transactions in February 2026, namely USD equivalent to IDR 10 million, SGD equivalent to IDR 15 million, and JPY equivalent to IDR 15 million.

     All foreign currency transactions were made through Customer D’s Danamon LEBIH PRO account via D-Bank PRO.

     Since Customer D performed foreign currency transactions consisting of a Tier 1 amount of IDR 10 million for USD and Tier 2 amounts of IDR 15 million each for SGD and JPY, Customer C is entitled to receive Cashback of USD 8, no later than 30 (thirty) working days after 28 February 2026.

   • ILLUSTRATION 5
     

     Customer E is an invited customer in this program.

     Customer E then conducts 4 (four) foreign currency transactions in February 2026, namely USD equivalent to IDR 10 million, SGD equivalent to IDR 15 million, and JPY equivalent to IDR 15 million, and AUD equivalent IDR 15 million.

     All foreign currency transactions were made through Customer E’s Danamon LEBIH PRO account via D-Bank PRO.

     Since Customer E conducts FX transactions in three (3) currencies that meet the Tier 2 criteria, Customer E is entitled to receive a cashback of USD 15, which will be credited no later than thirty (30) business days after 28 February 2026.

   • ILLUSTRATION 6
     

     Customer F is an invited customer in this Program.

     Customer F then conducts foreign currency transactions in February 2026, namely USD equivalent to IDR 5,000,000 and SGD equivalent to IDR 5,000,000.

     The foreign currency transactions are carried out through Customer G’s Danamon LEBIH PRO account via D-Bank PRO.

     Since the FX transaction amount per currency does not meet the minimum requirement of the Program, Customer F is not entitled to receive any cashback.

   • ILLUSTRATION 7
     

     Customer G is an invited customer in this Program.

     Customer G then conducts foreign currency transactions in March 2026, namely USD equivalent to IDR 15,000,000 and SGD equivalent to IDR 15,000,000.

     The foreign currency transactions are carried out through Customer G’s Danamon LEBIH PRO account via D-Bank PRO.

     Since Customer G conducts foreign currency transactions outside the Program Period, Customer G is not eligible to receive Cashback.

1. The Bank may amend the interest rates of the Danamon LEBIH PRO savings accounts in Rupiah and foreign currencies, with prior notice to the Program Participants.
2. The conversion rate between Rupiah and foreign currencies may fluctuate in accordance with market conditions, which may affect the principal amount previously transacted.

1. Participation in this Program is free of charge for the Program Participants.

1. The Program Participant or their representative may submit complaints related to banking products and/or services either verbally or in writing through the Bank’s nearest branch office, via Hello Danamon at 1-500-090, or by email to hellodanamon@danamon.co.id.
   
2. The procedures for the customer complaint service may be found on the official website of the Bank at the following link: https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
   

1. These Program General Terms and Conditions is an inseparable part of “General Terms and Conditions for Accounts and Banking Services”, “General Terms and Conditions for D-Bank PRO”, “General Terms and Conditions for Danamon LEBIH PRO”, as well as other terms and conditions related to banking products and/or services, shall apply. In the event of any discrepancy or conflict between such terms and conditions and Program General Terms and Conditions, the Program General Terms and Conditions shall prevail.
   
2. The Program Participant agrees and acknowledges that the Bank reserves the right to amend/change/or supplement these Program General Terms and Conditions from time to time. Any changes shall be communicated through the Bank’s available communication media. In the event of any change in the benefits, risks, fees, and general terms and conditions and other changes, the Program Participant has the right to submit a written objection to the Bank within 30 (thirty) Business Days from the date of such notification by the Bank via its available communication channels. The Program Participant agrees that if no objection is submitted within the specified period, the Program Participant shall be deemed to have accepted the changes. If the Program Participant does not agree with the changes, the Program Participant has the right to discontinue Program participation by first completing all obligations to the Bank (if any).
   
3. The Program Participant represents and warrants that the Program Participant is not currently engaged in, and will not engage in, any transactions that may be indicative of money laundering and/or any other transactions prohibited under the prevailing laws and regulations of the Republic of Indonesia.
   
4. In the event of any indication of fraud, misconduct, deception, irregular transactions, unreasonable transactions, money laundering, and/or any actions that are contrary to applicable laws and regulations, the Bank reserves the right to cancel the transaction, terminate the use of the Bank’s products/services, revoke the Program Participant participation in the Program, and/or cancel the provision of Program benefits to the relevant Program Participant. The Program Participant shall remain obligated to fulfill all outstanding obligations to the Bank, if any.
   
5. The Program Participant agrees that the placement of funds in a savings account offering a return/interest exceeding the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan or LPS) shall not be covered by the deposit insurance provided by LPS. Program Participant may obtain information regarding changes to the maximum guaranteed return/interest rate through the Bank’s branch offices or by contacting Hello Danamon.
   
6. If any provision of these Program General Terms and Conditions are, by reason of any government regulation or court decision, prohibited, unenforceable, rendered invalid, or declared null and void, such circumstance shall not affect the validity or enforceability of the remaining provisions of these Program General Terms and Condition, which shall remain in full force and effect and binding upon the parties as set forth herein.
   
7. In the event that any irregularities related to the Program are discovered, or if any fraudulent activity is suspected, the Program Participant is advised to promptly report such matters through Hello Danamon.
   
8. These Program Terms and Conditions are prepared in both Indonesian and English. In the event of any discrepancy or difference in interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
   
9. The headings and terminology used in these Program General Terms and Conditions are intended solely to facilitate understanding of the contents of these Program General Terms and Conditions.
   
10. These Program General Terms and Conditions have been adjusted to comply with the prevailing laws and regulations, including regulations issued by the Financial Services Authority (OJK).
    
11. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) and Bank Indonesia, and is a participant in the Deposit Insurance Program of the Indonesia Deposit Insurance Corporation (LPS).
    

Program Participant must exercise due caution against fraudulent activities perpetrated by individuals or entities falsely claiming to represent the Bank and offering rewards in any form. The Bank shall not be held liable for any acts of fraud or other criminal conduct committed by third parties in connection with or under the pretense of association with the Bank or this Program.