Hydro Flask WOW Offer Top-Up Balance Reward Program for Invited Customers

The program runs from 21 August to 30 September 2026 (“Program Period”) or until the program quota is filled.

This program is open to individual customers who are already registered with Bank Danamon (existing customers) and who are invited customers (“Customers”) in the Privilege/Optimal segments, who hold an active mortgage facility as at April 2026, and who have been contacted and received information about the program via a branch or other official Bank Danamon communication channels (email or WhatsApp).

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 their participation in this Program.
4. Customers must participate in the WOW Offer Top Up Balance program, subject to the terms and conditions of the Top Up Balance program in force during the month of the deposit.
   1. Privilege customers must participate in the WOW Offer TUB program with a minimum of IDR 500 million
   2. Optimal customers must participate in the WOW Offer TUB program with a minimum of IDR 50 million
5. Customers must carry out at least one financial transaction during the program period. Financial transactions may be carried out on the day the funds for the WOW Top Up Balance program are held, with a deadline of 30 September 2026 at the latest. dengan batas akhir maksimal 30 September 2026. Minimum Financial Transaction Requirements
   1. Payment transactions must be made using a Danamon Bank credit card, debit card, or D-Bank PRO.
   2. Transactions may be conducted either offline through an EDC machine or online via e-commerce platforms by entering the 16-digit card number and the 3-digit CVV printed on the back of the card.
   3. Transactions involving the purchase of Danamon Bank financial products available through D-Bank PRO are also eligible, including but not limited to:
      1. Online Time Deposit
      2. Investment Products, such as Bonds and Mutual Funds
   4. A transaction will be considered eligible only if it is successfully completed and results in a reduction of the customer's account balance equivalent to the transaction amount.
6. Eligible customers are entitled to receive one (1) Hydro Flask item.
7. Customers will not be charged any fee for participating in this program.
8. The program quota is limited to the first 215 customers nationwide who meet the program’s Terms and Conditions.
9. Rewards are not cumulative, and each customer is entitled to receive the prize only once during the program period. 

The program illustration is as follows:

Explanation:

1. In the case of Customer A, as at 31 Agustus 2026, the customer has enrolled in the WOW Offer Top Up Balance program; however, by 30 September 2026, the customer has still not carried out any financial transactions. Therefore, although the program has been deactivated, Customer A does not fully meet the programme’s requirements and is deemed ineligible to receive one Hydro Flask item.
2. Meanwhile, Customer B has joined the WOW Offer Top Up Balance program as of 31 Agustus 2026 and has also carried out one financial transaction involving the placement of a Time Deposit via D-Bank PRO, amounting to IDR 1,000,000 on 3 September 2026. Having met both of these requirements and following verification by the branch, Customer B is deemed eligible to receive the program prize in the form of one Hydro Flask item.

1. Program participants who have met the Program Terms and Conditions are entitled to receive a prize in the form of 1 Hydro Flask (“Prize”). If a customer does not meet the General Terms and Conditions of the Program, the program participant will not receive the Hydro Flask prize.
2. Bank Danamon will deliver the Reward to the Customer no later than 45 (forty-five) working days from the date the Customer has fulfilled the Programme's General Terms and Conditions.
3. The prize awarded to Program Participants is not a Bank product; therefore, any enquiries or requests for information regarding the prize should be directed to the relevant prize manufacturer. Program Participants release the Bank from any liability in relation to the handling of complaints concerning prizes awarded to Program Participants.

Program participants are not entitled to receive a Prize if they do not comply with all the General Terms and Conditions of this Program.

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

1. These General Terms and Conditions of the Program form an integral and inseparable part of the “General Terms and Conditions for Accounts and Banking Services” and the “General Terms and Conditions for D-Bank PRO”. In the event of any discrepancy or conflict between those 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 is entitled to amend, modify or supplement these General Terms and Conditions of the Program from time to time. Any amendments, additions or updates to these General Terms and Conditions of the Program will be notified via the communication channels available at Bank Danamon. In the event of any changes to the benefits, risks, costs, terms and conditions set out in these General Terms and Conditions of the Program, the Customer is entitled to submit a written objection to Bank Danamon within 30 (thirty) working days from the date on which Bank Danamon notifies such changes via its communication channels. The Customer agrees that they shall be deemed to have accepted such changes if they do not raise an objection within the aforementioned period. Should the Customer not agree to such changes, they are entitled to cancel their participation in the Program, provided they have first settled all their obligations to Bank Danamon (if any).
3. The Customer declares that there are no, and will be no, transactions indicating money laundering offences and/or other transactions prohibited under the laws and regulations in force in Indonesia.
4. Should there be any reports of indications of fraud, deception and/or transaction irregularities, Bank Danamon reserves the right to cancel the transaction, terminate participation in the Program, or withhold the award from the Customer concerned. The Customer remains obliged to settle all outstanding obligations to Bank Danamon (if any).
5. Should any irregularities relating to this Program be discovered, or should fraud be suspected, Program Participants are advised to report this immediately via Hello Danamon.
6. The headings and terms used in these General Terms and Conditions of the Program are intended solely to facilitate understanding of the content of these General Terms and Conditions.
7. Should any provision of these General Terms and Conditions of the Program be prohibited, unenforceable, invalid or declared null and void by a government regulation or court ruling, 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.
8. These General Terms and Conditions of the Program have been aligned with the provisions of applicable laws and regulations, including the regulations of the Financial Services Authority and the provisions on deposit insurance premiums as set out in the regulations of the Indonesia Deposit Insurance Corporation.
9. Bank Danamon is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a participant in the Indonesia Deposit Insurance Corporation.

Customers are advised to be wary of scams perpetrated by individuals posing as representatives of Bank Danamon who promise prizes of any kind. Any scams or other criminal acts committed by parties in connection with, or in the name of, the Program are beyond the control of Bank Danamon.