Privilege & Optimal Upgrade Reward Program for Invited Customers

The program runs from 23 April to 31 May 2026 (“Program Period”) or until the program quota is filled.

1. This program is open to individual customers who are already registered with Bank Danamon (existing to bank) and who are invited customers (“Customers”) and have been contacted and received information about the programme via a branch, telesales, or other official Bank Danamon communication channels (email or WhatsApp).
2. All invited Bank Danamon customers will receive an invitation to the Program via Bank Danamon’s official WhatsApp and/or Bank Danamon’s official email.
3. Not applicable to Sharia customers and Sharia products.

1. Program participants must 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 fails to comply with the General Terms and Conditions of the Program.
3. Program participants are fully responsible for any risks of loss, claims, lawsuits and/or claims arising from the Customer’s participation in and/or cancellation of participation in this Program.
4. Customers must follow the scheme below:

   Program Participation Requirements		Program Reward
   Requirement #1	Requirement #2
   Eligible customers are invited to register (upgrade) as Privilege / Optimal customers (New to Privilege / New to Optimal)	Make at least one financial transaction	E-Money card worth IDR 250,000

   
   

   Program Offer Scheme Explanation:

   1. Customer makes a segment upgrade as follows:
      • become a Privilege Customer if you were previously a Mass Market/Optimal Customer; or
      • become an Optimal Customer if you were previously a Mass Market Customer. The upgrade process is subject to the terms and conditions applicable at selected Bank Danamon branches.
   2. On the date of the upgrade, Customers are required to carry out at least one (1) financial transaction via D‑Bank PRO or a Bank Danamon branch, with no minimum transaction value. Interbank and/or intrabank transfers do not count as transactions that meet this requirement
   3. If the processes in points (i) and (ii) have been successfully completed and verified by the selected Danamon Bank branch, the Customer is entitled to receive the program reward in accordance with the applicable terms and conditions
5. The program quota is limited to the first 150 customers nationwide who meet the program’s Terms and Conditions, or in accordance with the quota available at each selected Bank Danamon branch.
6. Rewards are not cumulative.
7. The type of reward received by customers is an E-Money Card in accordance with the Program terms and conditions.
8. The Program reward awarded in this Program is an additional reward and is separate from any rewards received by customers for their participation in the New to Privilege / New to Optimal Program or other promotional programs organised by Bank Danamon.

Program illustration is as follows:

Explanation:

1. In the case of Customer A, the customer was contacted on 27 April 2026 and subsequently visited the branch to upgrade to Privilege Customer status on 28 April 2026. However, the customer did not carry out any financial transactions on the same day as the upgrade process. Therefore, although the upgrade process was completed, Customer A did not fully meet the program’s requirements and was deemed ineligible to receive E-Money worth IDR 250,000.
2. Meanwhile, regarding Customer B, the customer was also contacted on 27 April 2026 and visited the branch to upgrade to Privilege Customer status on 28 April 2026. In addition to upgrading, Customer B also carried out a financial transaction involving a Time Deposit via D-Bank PRO once, amounting to IDR 1,000,000 on the same day. Having met both requirements and following verification by the branch, Customer B was declared eligible to receive the program reward in the form of IDR 250,000 in E-Money.

1. Program participants who have met the Program Terms and Conditions are entitled to receive a reward in the form of E-Money worth IDR 250,000 (two hundred and fifty thousand) (“Prize”). If the Customer does not meet the General Terms and Conditions of the Program, the Program participant will not receive the E-Money reward.
2. Only invited customers who meet the Program Terms and Conditions may collect the reward at selected Bank Danamon branches, and this cannot be done by proxy.
3. In the event that the reward quota has been exceeded, the Program Participant agrees that they will not receive a reward, even if the Program Period has not yet ended.
4. The reward is not cumulative for each Program Participant.
5. Program participants are not charged any fees to participate in this program.
6. The reward awarded to the Program Participant is not a Bank product; therefore, all enquiries and requests for information regarding the reward should be directed to the relevant reward manufacturer. The Program Participant releases the Bank from any liability regarding the handling of complaints related to the reward awarded to the Program Participant.

1. Program Participants shall not be entitled to receive the Reward if they fail to comply with all provisions set forth in the General Terms and Conditions of the Program.

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

1. These General Terms and Conditions of the Program constitute an integral and inseparable part of the ‘General Terms and Conditions of Account and Banking Services’ and the ‘General Terms and Conditions of D-Bank PRO’. In the event of any discrepancy or inconsistency between such provisions and these General Terms and Conditions of the Program, these General Terms and Conditions of the Program shall prevail.
2. 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 amendment/addition/update to these General Terms and Conditions of the Program will be notified through the communication media available at Bank Danamon. In the event of any changes to the benefits, risks, fees, or terms and conditions under these General Terms and Conditions of the Program, the Customer shall have the right to submit a written objection to Bank Danamon within 30 (thirty) business days as of the date such changes are notified by Bank Danamon through its communication media. The Customer agrees that the Customer shall be deemed to have accepted such changes if no objection is submitted within the stipulated period. Should the Customer disagree with such changes, the Customer shall have the right to withdraw from participation in the Program, provided that all of the Customer’s obligations to Bank Danamon (if any) have been fully settled in advance.
3. The Customer represents and declares that there is no and will be no transaction indicated as money laundering and/or any other transaction that is not permitted under the prevailing laws and regulations in Indonesia.
4. In the event that there is any report indicating fraud, misconduct, and/or transaction irregularities, Bank Danamon reserves the right to cancel the transaction, cancel participation in the Program, and/or revoke the granting of the Reward to the relevant Customer. The Customer shall remain obligated to fulfill all of the Customer’s obligations to Bank Danamon (if any).
5. If any irregularities related to the Program are identified or if any indication of fraud is suspected, Program Participants are advised to immediately report the matter through Hello Danamon.
6. The titles and terms used in these General Program Terms and Conditions are solely intended to facilitate the understanding of the contents of these General Program Terms and Conditions.
7. In the event that any provision in these General Program Terms and Conditions is prohibited or cannot be implemented or becomes invalid or is declared null and void by operation of law due to any government regulation or court decision, such condition shall not affect the validity of the other provisions in these General Program Terms and Conditions, and the remaining provisions shall remain valid, binding, and enforceable as stipulated in these General Program Terms and Conditions.
8. These General Program Terms and Conditions have been adjusted in accordance with applicable laws and regulations, including regulations of the Financial Services Authority (Otoritas Jasa Keuangan) and the deposit insurance interest rate provisions as stipulated by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan).
9. Bank Danamon is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan) and Bank Indonesia, and is a member of the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan).

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 the Program are beyond the authority of Bank Danamon.