Spread Kindness Through Saving and Giving

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 ‘Menabung sambil Menabur’ Program (“General Terms and Conditions ”) are the terms and conditions applicable to Customers participating in the ‘Menabung sambil Menabur’ Program (“Program”) organized by PT Bank Danamon Indonesia Tbk (“Bank Danamon”). These terms and conditions is integral and inseparable from the ‘Menabung sambil Menabur Program Participation Form (“Program Participation Form”).

By participating, Customers is bound by all provisions stated in the General Terms and Conditions of the Program as follows:

Program Period

This program will be effective starting 1 June 2026 and will remain valid until 30 September 2026 (“Program Period”).

Participant Criteria

This program is open to congregation members of VIHARA BODHISATVA SATYA KALAMA (“Customers”) who meet the following criteria:

Customers who are not yet registered with the Bank (new to the bank),
Customers who are registered with the Bank but do not yet have a Danamon Lebih PRO account (New to Product);
Customers who are registered with the Bank (existing customers) and already have a Danamon Lebih PRO account;
Are not currently participating in any other programme organised by the Bank for VIHARA BODHISATVA SATYA KALAMA (for example: TIUP, New-to-Optimal / Privilege, MGM Optimal/Privilege, and others).

Program Terms and Conditions

Customers must read and understand the General Terms and Conditions of the Program.
Bank Danamon reserves the right to reject or cancel a Customer’s participation in the Program if the Customer does not meet the General Terms and Conditions.
Customers are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation or cancellation of participation in this Program.
Customers are required to:
1. Open a Danamon LEBIH PRO account using the referral code ECORBE1138, In accordance with the following terms and conditions:
  1. Customers who do not yet have a Danamon LEBIH PRO account may open one and enter the referral code if registering via D-Bank PRO, or enter a remarks code if opening the account through a Danamon Branch.
  2. Customers who already have another Danamon account may only open a Danamon LEBIH PRO account and enter the remarks code through a Danamon Branch.
  3. Customers who already have a Danamon LEBIH PRO account must enter the remarks code through a Danamon Branch.
2. Place fresh funds into the Danamon LEBIH PRO account
Fresh funds are defined as funds derived from cash deposits made at a Bank branch or funds transferred from another bank account to a Danamon LEBIH PRO account.
VIHARA BODHISATVA SATYA KALAMA is required to open an account with Bank Danamon.
For funds deposited by Customers who meet the criteria set out in point 4, VIHARA BODHISATVA SATYA KALAMA will receive funds in the form of a cashback (“Cashback”), which will be credited to the designated Ecosystem account no later than 30 working days from the last day of the previous month, subject to the following conditions:

Cashback Percentage from Danamon p.a. Limit Budget (capped) p.a.

1%

Maximum IDR 250 Million
Cashback calculation is as follows:
- NTB Customers: 1% p.a. of the monthly average balance of congregation members in their Danamon LEBIH PRO accounts
- NTP customers divided into two phases:
  - For the first month, cashback will be calculated as 1% p.a. of O/S fresh fund balance
    in that month (M1) minus the O/S fresh fund balance in the previous month as a baseline (MO) in the Danamon LEBIH PRO account.
  - For the next month until the end of the program period, cashback will be calculated as 1% p.a. of the average balance in that month (M (n+1)) minus the average balance in the baseline month (M0) in the Danamon LEBIH PRO account.
- ETB Customer: divided into 2 phases, which are:
  - For the first month, cashback will be calculated as 1% p.a. of O/S fresh fund balance in that month (M1) minus the O/S fresh fund balance in the previous month as a baseline (MO) in the Danamon LEBIH PRO account.
  - For the next month until the end of the program period, cashback will be calculated as 1% p.a. of the average balance in that month (M (n+1)) minus the average balance in the baseline month (M0) in the Danamon LEBIH PRO account.
The calculation of average balance and outstanding balance includes Customer funds in foreign currency. Conversion of foreign currency will follow the applicable DL PRO exchange rate policy at Danamon (if the last day of the month falls on a public holiday, the conversion will use the IDR rate from the last working day of that month).
Average balance (avbal) is defined as the average amount of funds held in an account over the course of one month, calculated as follows:

Monthly Average Balance:
$\frac{\sum (Balance \times Number of Days the Balance is Held)}{Number of Days in a Month}$
O/S Balance (outstanding balance) is defined as the balance position at the end of the month, which is the amount of money remaining in the account on the last day of the current month period
By conducting transactions in accordance with the General Terms and Conditions of this Program, the Customer is deemed to have read, understood, and agreed to participate in the Program and to comply with its General Terms and Conditions. Such transactions serve as valid proof of the Customer’s participation and acceptance of the Program’s terms.
Participation in this Program is free of charge.

Cashback Percentage from Danamon p.a.	Limit Budget (capped) p.a.
1%	Maximum IDR 250 Million

Cashback Terms

Customers agree that the cashback resulting from their participation in the Program will be transferred Ecosystem.
The cashback will be credited to the Ecosystem Account no later than 30 working days from the last day of the previous month, provided the Customer has met the General Terms and Conditions of the Program during the program period.

Program Illustration

No	Ilustration	Eligibility Review
1	Customer A does not yet have a Danamon account (NTB) Customer A opens a Danamon LEBIH PRO (IDR) account and enters the remarks code ECORBE1138 Customer A makes a fund deposit into the DL-PRO account	Eligible for the "Menabung Sambil Menabur" scheme
2	Customer B has a Danamon LEBIH PRO account (ETB) Customer B enters the remarks code ECORBE1138 Customer B did not deposit any funds into the DL-PRO account	Not eligible for the “Menabung Sambil Menabur” scheme
3	Customer C has a D-Save account, but does not have a Danamon LEBIH PRO account (NTP) Customer C opened a Danamon LEBIH PRO account and deposited funds into an SGD currency account and enters the remarks code ECORBE1138 Customer C makes a fund deposit into the Danamon LEBIH PRO account	Eligible for the "Menabung Sambil Menabur" scheme

Cashback Calculation Simulation

Customer Status	Simulation
NTB	Explanation: M0 (as baseline) is IDR 0 because the customer is a NTB. In December 14, 2025 (M1), a fresh fund deposit of IDR 10 Bio was made. Thus, the calculation of avbal and cashback is as follows: Avbal: $10,000,000 \times \frac{16}{30} = 5,333,333.333$ Cashback: $5,333,333.333 \times \frac{1 %}{12} = 4,444.444$ In 5 January 2026 (M2), a fresh fund deposit of IDR 2 Bio was made. Thus, the calculation of avbal and cashback is as follows: Avbal: $\frac{10,000,000,000 (4) + 12,000,000,000 (27)}{31} = 11,741,935,484$ Cashback: $11,733,333,333 \times \frac{1 %}{12} = 9,784,946$ And so forth
NTP	Explanation: M0 (as baseline) is IDR 0 because the customer is a NTP In 14 December 2025 (M1), there is a fresh fund and non-fresh fund deposit amounting IDR 5 Bio. Thus, the calculation of avbal and cashback is as follows: Osbal: 5,000,000,000+5,000,000,000=10,000,000,000 Selisih: Osbal fresh fund – Osbal M0: 5,000,000,000−0=5,000,000,000 Cashback: $5,000,000,000 \times \frac{1 %}{12} = 4,166,667$ In M2, there is a fresh fund deposit amounting IDR 2 Bio. Thus, the calculation of avbal and cashback is as follows: OsBal: 10,000,000,000+2,000,000,000=12,000,000,000 Avbal: $\frac{10,000,000,000 (4) + 12,000,000,000 (27)}{31} = 11,741,935,484$ Difference: Avbal – Osbal M0:11,733,333,333−0=11,733,333,333 Cashback: $11,733,333,333 \times \frac{1 %}{12} = 9,784,496$ And so forth
ETB	Explanation: M0 (as baseline) is IDR 100 Bio because the customer is an ETB customer that already has an existing fund in D-Bank PRO. In M1, there is a fresh fund deposit amounting IDR 10 Bio in 14 December 2025 and a fund withrawal amounting IDR 2 Bio in 25 December 2025. Thus, the calculation of avbal and cashback is as follows: Osbal: 100,000,000,000+10,000,000,000−2,000,000,000=108,000,000,000 Difference: Osbal M1 – Osbal M0 = 108,000,000,000−100,000,000,000=8,000,000,000 Cashback: $8,000,000,000 \times \frac{1 %}{12} = 6,666,667$ In M2, there is a fresh fund deposit amounting IDR 50 Bio in 2 January 2026 and fund withdrawal amounting IDR 25 Bio in 28 January 2026. Thus, the calculation of avbal and cashback is as follows: Osbal: 108,000,000,000+50,000,000,000−25,000,000,000=133,000,000,000 Avbal: $\frac{108,000,000,000 (1) + 158,000,000,000 (27) + 133,000,000,000 (3)}{31} = 153,967,741,935$ Difference: Avbal M2 – Osbal M0 = 153,967,741,935−100,000,000,000=53,967,741,935 Cashback: $53,967,741,935 \times \frac{1 %}{12} = 44,973,118$ And so forth

Customer Status

Simulation

NTB

Explanation:

M0 (as baseline) is IDR 0 because the customer is a NTB.
In December 14, 2025 (M1), a fresh fund deposit of IDR 10 Bio was made.
Thus, the calculation of avbal and cashback is as follows:
- Avbal:
  $10,000,000 \times \frac{16}{30} = 5,333,333.333$
- Cashback:
  $5,333,333.333 \times \frac{1 %}{12} = 4,444.444$
In 5 January 2026 (M2), a fresh fund deposit of IDR 2 Bio was made.
Thus, the calculation of avbal and cashback is as follows:
- Avbal:
  $\frac{10,000,000,000 (4) + 12,000,000,000 (27)}{31} = 11,741,935,484$
- Cashback:
  $11,733,333,333 \times \frac{1 %}{12} = 9,784,946$
And so forth

NTP

Explanation:

M0 (as baseline) is IDR 0 because the customer is a NTP
In 14 December 2025 (M1), there is a fresh fund and non-fresh fund deposit amounting IDR 5 Bio.
Thus, the calculation of avbal and cashback is as follows:
- Osbal: 5,000,000,000+5,000,000,000=10,000,000,000
- Selisih: Osbal fresh fund – Osbal M0: 5,000,000,000−0=5,000,000,000
- Cashback:
  $5,000,000,000 \times \frac{1 %}{12} = 4,166,667$
In M2, there is a fresh fund deposit amounting IDR 2 Bio.
Thus, the calculation of avbal and cashback is as follows:
- OsBal: 10,000,000,000+2,000,000,000=12,000,000,000
- Avbal:
  $\frac{10,000,000,000 (4) + 12,000,000,000 (27)}{31} = 11,741,935,484$
- Difference: Avbal – Osbal M0:11,733,333,333−0=11,733,333,333
- Cashback:
  $11,733,333,333 \times \frac{1 %}{12} = 9,784,496$
And so forth

ETB

Explanation:

M0 (as baseline) is IDR 100 Bio because the customer is an ETB customer that already has an existing fund in D-Bank PRO.
In M1, there is a fresh fund deposit amounting IDR 10 Bio in 14 December 2025 and a fund withrawal amounting IDR 2 Bio in 25 December 2025.
Thus, the calculation of avbal and cashback is as follows:
- Osbal: 100,000,000,000+10,000,000,000−2,000,000,000=108,000,000,000
- Difference: Osbal M1 – Osbal M0 = 108,000,000,000−100,000,000,000=8,000,000,000
- Cashback:
  $8,000,000,000 \times \frac{1 %}{12} = 6,666,667$
In M2, there is a fresh fund deposit amounting IDR 50 Bio in 2 January 2026 and fund withdrawal amounting IDR 25 Bio in 28 January 2026.
Thus, the calculation of avbal and cashback is as follows:
- Osbal: 108,000,000,000+50,000,000,000−25,000,000,000=133,000,000,000
- Avbal:
  $\frac{108,000,000,000 (1) + 158,000,000,000 (27) + 133,000,000,000 (3)}{31} = 153,967,741,935$
- Difference: Avbal M2 – Osbal M0 = 153,967,741,935−100,000,000,000=53,967,741,935
- Cashback:
  $53,967,741,935 \times \frac{1 %}{12} = 44,973,118$
And so forth

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.
For complete procedures and mechanisms regarding customer complaint services, please refer to Bank Danamon’s official website at the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah

Others Terms and Conditions

The General Terms and Conditions of this Program form an integral and inseparable part of the “General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk,” the “General Terms and Conditions for Danamon LEBIH PRO Savings,” and/or other terms and conditions related to banking products and/or services. In the event of any differences or conflicts between these provisions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
The Customer hereby agrees and acknowledges that Bank Danamon has the right to revise/amend/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 communicated through the communication channels available at Bank Danamon. In the event of changes to the benefits, risks, fees, terms, and conditions under this Program, 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 this period, the Customer is deemed to have accepted the changes. If the Customer does not agree to the changes, they have the right to cancel their participation in the Program, provided that all obligations to Bank Danamon (if any) are settled beforehand.
The Customer declares that there are no transactions, and there will not be any transactions, that are indicated as money laundering and/or other transactions prohibited under the prevailing laws and regulations in Indonesia.
If there are indications of fraud, misconduct, transaction irregularities, suspicious transactions, money laundering, and/or actions that violate laws and regulations, Bank Danamon reserves the right to cancel the transaction, revoke participation in the Program, and withhold the prize offering to the relevant Customer. The Customer remains obligated to fulfill all of their obligations to Bank Danamon (if any).
The Customer agrees that funds placed in a savings account with a return exceeding the maximum guaranteed interest rate set by the Deposit Insurance Corporation are not guaranteed by the Deposit Insurance Corporation. Any rewards received by the Customer are also taken into account when calculating the maximum guaranteed interest rate. The Customer may enquire about changes to the maximum guaranteed interest rate at any Bank Danamon branch or via Hello Danamon.
If any provision of these General Terms and Conditions of the Program is, by virtue of a government regulation or court order, prohibited, unenforceable, invalid or declared null and void, this shall not affect the validity of the other provisions of these General Terms and Conditions of the Program, and such other provisions shall remain in full force and effect and shall be enforceable as set out in these General Terms and Conditions of the Program
Should any irregularities regarding this Program be discovered, or should any suspected fraud occur, Customers are advised to report this immediately via Hello Danamon.
These Program Terms and Conditions are drawn up in Indonesian and English. In the event of any discrepancy in provisions or interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
The headings and terms used in the General Terms and Conditions of this Program are intended solely to facilitate understanding of the content of the General Terms and Conditions of this Program.
The General Terms and Conditions of this Program have been adjusted in accordance with applicable laws and regulations, including those issued by the Financial Services Authority (OJK) and the interest rate guarantee provisions set by LPS.
PT Bank Danamon Indonesia Tbk is licensed and supervised by OJK and Bank Indonesia and is a participant in the deposit insurance program of LPS.

Reminder

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