Program Top It Up (TIUP) Gift

The Program runs from 14 October to 31 December 2026 (“Program Period”).

The Program is available to Bank Danamon customers who meet the following criteria (“Customers”):

1. Individual Customers who hold a Danamon LEBIH PRO/Danamon LEBIH PRO iB savings account, or non-individual Customers who hold a Danamon LEBIH/Danamon LEBIH iB savings account; or
2. Customers selected and invited by Bank Danamon through a Bank Danamon branch.

1. Each Customer participating in the Program must first register by completing and signing the Program Participation Form.
2. The Customer must ensure that their details have been updated, including but not limited to their address, telephone number and email address.
3. The Customer must read and understand these General Program Terms and Conditions.
4. Bank Danamon may reject or cancel the Customer’s participation in the Program if the Customer does not meet these General Program Terms and Conditions.
5. The Customer is fully responsible for any risk of loss, demand, legal action and/or claim relating to the Customer’s participation in and/or cancellation of participation in the Program.
6. The Program applies to Customers who have completed the Form, placed funds, blocked funds and/or opened an account as stipulated in these General Program Terms and Conditions.
7. The available Program Schemes are as follows:
   1. Fund Holding Scheme
      1. Regular
         1. Customers may hold funds in their Bank Danamon account under the following schemes:
            1. Regular IDR Scheme (in accordance with the table under item 6 below); and/or
            2. Regular USD Scheme (in accordance with the table under item 6 below).
         2. For the Regular IDR Scheme, Customers must place fresh funds in the Danamon LEBIH PRO/Danamon LEBIH PRO iB/Danamon LEBIH/Danamon LEBIH iB account used to participate in the Program by transferring funds from another bank account (“Fresh Fund Placement”).
         3. The Fresh Fund Placement must be made no more than 7 (seven) calendar days before the funds are held.
         4. The Regular USD Scheme is available only to Individual Customers, who may use: (i) funds already held in the Customer’s Bank Danamon account in IDR and converted through a foreign exchange transaction on D-Bank PRO; or (ii) funds in USD held in a Danamon LEBIH PRO account.
         5. The Customer’s funds must be held for the amount stated in the table under item III.7.a.i.6 below, on the same day that the Customer joins the Program.
         6. Customers who have placed and held funds will receive a reward in accordance with the table below (“Fund Holding Main Reward”):

            Fund Holding Main Reward	Term (Months)	Held Amount		Program Penalty/Reward Reimbursement Fee (IDR)
            		IDR	USD
            e-Voucher Tiket.com IDR 1,000,000	3	IDR 127,000,000	USD 14,500	IDR 1,500,000
            	6	IDR 64,000,000	USD 5,300
            	12	IDR 32,000,000	USD 2,650
            	24	IDR 16,000,000	USD 1,350
            e-Voucher Tiket.com IDR 2,500,000	3	IDR 316,000,000	USD 36,250	IDR 4,000,000
            	6	IDR 158,000,000	USD 18,150
            	12	IDR 79,000,000	USD 6,600
            	24	IDR 40,000,000	USD 3,300
            e-Voucher Tiket.com IDR 5,000,000	3	IDR 632,000,000	USD 96,700	IDR 7,500,000
            	6	IDR 316,000,000	USD 36,250
            	12	IDR 158,000,000	USD 18,150
            	24	IDR 79,000,000	USD 6,600
            e-Voucher Tiket.com IDR 10,000,000	3	IDR 1,289,000,000	USD 193,350	IDR 14,500,000
            	6	IDR 632,000,000	USD 96,700
            	12	IDR 316,000,000	USD 36,250
            	24	IDR 158,000,000	USD 18,150
            iPhone 18 Pro 256 GB	3	IDR 2,979,000,000	USD 446,800	IDR 34,000,000
            	6	IDR 1,490,000,000	USD 223,400
            	12	IDR 730,000,000	USD 111,700
            	24	IDR 365,000,000	USD 55,850
            iPhone 18 Pro 512 GB	3	IDR 3,575,000,000	USD 536,150	IDR 40,500,000
            	6	IDR 1,788,000,000	USD 268,100
            	12	IDR 877,000,000	USD 134,050
            	24	IDR 439,000,000	USD 67,050
            iPhone 18 Pro 1TB	3	IDR 4,658,000,000	USD 698,600	IDR 52,500,000
            	6	IDR 2,329,000,000	USD 349,300
            	12	IDR 1,165,000,000	USD 174,650
            	24	IDR 571,000,000	USD 87,350
            iPhone 18 Pro 2TB	3	IDR 6,174,000,000	USD 926,050	IDR 69,500,000
            	6	IDR 3,087,000,000	USD 463,050
            	12	IDR 1,544,000,000	USD 231,550
            	24	IDR 757,000,000	USD 115,800
            iPhone 18 Pro Max 256 GB	3	IDR 3,195,000,000	USD 479,250	IDR 36,000,000
            	6	IDR 1,598,000,000	USD 239,650
            	12	IDR 784,000,000	USD 119,850
            	24	IDR 392,000,000	USD 59,950
            iPhone 18 Pro Max 512 GB	3	IDR 3,791,000,000	USD 568,650	IDR 43,000,000
            	6	IDR 1,896,000,000	USD 284,350
            	12	IDR 930,000,000	USD 142,200
            	24	IDR 465,000,000	USD 71,100
            iPhone 18 Pro Max 1TB	3	IDR 4,874,000,000	USD 731,100	IDR 55,000,000
            	6	IDR 2,437,000,000	USD 365,550
            	12	IDR 1,219,000,000	USD 182,800
            	24	IDR 598,000,000	USD 91,400
            iPhone 18 Pro Max 2TB	3	IDR 6,390,000,000	USD 958,500	IDR 72,000,000
            	6	IDR 3,195,000,000	USD 479,250
            	12	IDR 1,598,000,000	USD 239,650
            	24	IDR 784,000,000	USD 119,850
            Samsung Galaxy Z Flip8 12GB 512GB	3	IDR 2,403,000,000	USD 360,400	IDR 27,500,000
            	6	IDR 1,202,000,000	USD 180,200
            	12	IDR 589,000,000	USD 90,100
            	24	IDR 295,000,000	USD 33,800
            Samsung Galaxy Z Fold8 12GB 512GB	3	IDR 3,251,000,000	USD 487,650	IDR 37,000,000
            	6	IDR 1,626,000,000	USD 243,850
            	12	IDR 797,000,000	USD 121,950
            	24	IDR 399,000,000	USD 61,000
            Samsung Galaxy Z Fold8 16GB 1TB	3	IDR 4,050,000,000	USD 607,400	IDR 46,000,000
            	6	IDR 2,025,000,000	USD 303,700
            	12	IDR 1,013,000,000	USD 151,850
            	24	IDR 497,000,000	USD 75,950
            Samsung Galaxy Z Fold8 Ultra 12GB 512GB	3	IDR 3,650,000,000	USD 547,500	IDR 41,500,000
            	6	IDR 1,825,000,000	USD 273,750
            	12	IDR 895,000,000	USD 136,900
            	24	IDR 448,000,000	USD 68,450
            Samsung Galaxy Z Fold8 Ultra 16GB 1TB	3	IDR 4,449,000,000	USD 667,250	IDR 50,500,000
            	6	IDR 2,225,000,000	USD 333,650
            	12	IDR 1,113,000,000	USD 166,850
            	24	IDR 546,000,000	USD 83,450
            Toyota Alphard 2.5G	3	IDR 161,709,000,000	USD 24,256,250	IDR 1,819,500,000
            	6	IDR 80,855,000,000	USD 12,128,150
            	12	IDR 40,428,000,000	USD 6,064,100
            	24	IDR 20,214,000,000	USD 3,032,050
            Toyota Avanza 1.5G CVT	3	IDR 26,139,000,000	USD 3,920,850	IDR 294,500,000
            	6	IDR 13,070,000,000	USD 1,960,450
            	12	IDR 6,535,000,000	USD 980,250
            	24	IDR 3,268,000,000	USD 490,150
            Voucher MAP IDR 500,000	3	IDR 64,000,000	USD 5,300	IDR 1,000,000
            	6	IDR 32,000,000	USD 2,650
            	12	IDR 16,000,000	USD 1,350
            	24	IDR 8,000,000	USD 650
            Voucher MAP IDR 1,000,000	3	IDR 127,000,000	USD 14,500	IDR 1,500,000
            	6	IDR 64,000,000	USD 5,300
            	12	IDR 32,000,000	USD 2,650
            	24	IDR 16,000,000	USD 1,350
            Voucher MAP IDR 2,500,000	3	IDR 316,000,000	USD 36,250	IDR 4,000,000
            	6	IDR 158,000,000	USD 18,150
            	12	IDR 79,000,000	USD 6,600
            	24	IDR 40,000,000	USD 3,300
            Voucher MAP IDR 5,000,000	3	IDR 632,000,000	USD 96,700	IDR 7,500,000
            	6	IDR 316,000,000	USD 36,250
            	12	IDR 158,000,000	USD 18,150
            	24	IDR 79,000,000	USD 6,600
            Voucher MAP IDR 10,000,000	3	IDR 1,289,000,000	USD 193,350	IDR 14,500,000
            	6	IDR 632,000,000	USD 96,700
            	12	IDR 316,000,000	USD 36,250
            	24	IDR 158,000,000	USD 18,150
            Voucher Ultra IDR 1,000,000	3	IDR 127,000,000	USD 14,500	IDR 1,500,000
            	6	IDR 64,000,000	USD 5,300
            	12	IDR 32,000,000	USD 2,650
            	24	IDR 16,000,000	USD 1,350
            Voucher Ultra IDR 2,500,000	3	IDR 316,000,000	USD 36,250	IDR 4,000,000
            	6	IDR 158,000,000	USD 18,150
            	12	IDR 79,000,000	USD 6,600
            	24	IDR 40,000,000	USD 3,300
            Voucher Ultra IDR 5,000,000	3	IDR 632,000,000	USD 96,700	IDR 7,500,000
            	6	IDR 316,000,000	USD 36,250
            	12	IDR 158,000,000	USD 18,150
            	24	IDR 79,000,000	USD 6,600
            Voucher Ultra IDR 10,000,000	3	IDR 1,289,000,000	USD 193,350	IDR 14,500,000
            	6	IDR 632,000,000	USD 96,700
            	12	IDR 316,000,000	USD 36,250
            	24	IDR 158,000,000	USD 18,150
            Yamaha NMAX Neo	3	IDR 4,514,000,000	USD 677,000	IDR 51,000,000
            	6	IDR 2,257,000,000	USD 338,500
            	12	IDR 1,129,000,000	USD 169,250
            	24	IDR 554,000,000	USD 84,650
            Yamaha NMAX Neo S	3	IDR 4,717,000,000	USD 707,550	IDR 53,500,000
            	6	IDR 2,359,000,000	USD 353,800
            	12	IDR 1,180,000,000	USD 176,900
            	24	IDR 579,000,000	USD 88,450
            Yamaha NMAX Turbo	3	IDR 5,170,000,000	USD 775,400	IDR 58,500,000
            	6	IDR 2,585,000,000	USD 387,700
            	12	IDR 1,293,000,000	USD 193,850
            	24	IDR 634,000,000	USD 96,950
            Yamaha NMAX Turbo Tech Max	3	IDR 5,747,000,000	USD 861,950	IDR 65,000,000
            	6	IDR 2,874,000,000	USD 431,000
            	12	IDR 1,437,000,000	USD 215,500
            	24	IDR 705,000,000	USD 107,750

      2. Fund Retention
         1. The Fund Retention Scheme is available only to Customers selected and invited by Bank Danamon.
         2. Customers invited by Bank Danamon must block funds for the amount stated in the table under item III.7.a.ii.4 below, on the same day that they join the Program.
         3. Invited Customers may hold funds as referred to in item 2 using funds already held in their Bank Danamon account that are free from any block or encumbrance.
         4. Invited Customers who have held funds will receive a reward in accordance with the table below (“Fund Retention Main Reward”):

            Fund Retention Main Reward	Term (Months)	Held Amount	Program Penalty/Reward Reimbursement Fee (IDR)
            		IDR
            Cashback IDR 600,000	3	IDR 100,000,000	IDR 1,000,000
            Cashback IDR 1,300,000	6		IDR 2,000,000
            Cashback IDR 2,600,000	12		IDR 3,500,000
            Cashback IDR 5,300,000	24		IDR 7,000,000
            Cashback IDR 1,600,000	3	IDR 250,000,000	IDR 2,000,000
            Cashback IDR 3,300,000	6		IDR 4,500,000
            Cashback IDR 6,600,000	12		IDR 8,500,000
            Cashback IDR 13,300,000	24		IDR 17,000,000
            Cashback IDR 3,300,000	3	IDR 500,000,000	IDR 4,500,000
            Cashback IDR 6,600,000	6		IDR 8,500,000
            Cashback IDR 13,300,000	12		IDR 17,000,000
            Cashback IDR 26,700,000	24		IDR 33,500,000
            Cashback IDR 6,500,000	3	IDR 1,000,000,000	IDR 8,500,000
            Cashback IDR 13,000,000	6		IDR 16,500,000
            Cashback IDR 26,000,000	12		IDR 32,500,000
            Cashback IDR 52,000,000	24		IDR 65,000,000
            Cashback IDR 16,200,000	3	IDR 2,500,000,000	IDR 20,500,000
            Cashback IDR 32,500,000	6		IDR 41,000,000
            Cashback IDR 65,000,000	12		IDR 81,500,000
            Cashback IDR 130,000,000	24		IDR 162,500,000

   2. Term Savings Scheme
      1. The Customer must open a Tabungan Cita2Ku Berhadiah/Tabungan Rencana Haji iB account by completing the Tabungan Cita2Ku Berhadiah/Tabungan Rencana Haji iB account opening form at a Bank Danamon branch.
      2. The Customer must make available an amount equal to the Initial Deposit and one Monthly Deposit (for the first debit) in the Danamon LEBIH PRO/Danamon LEBIH PRO iB account used as the source account for debits to the Tabungan Cita2Ku Berhadiah/Tabungan Rencana Haji iB account. The debit must be successfully processed on the same date that the Tabungan Cita2Ku Berhadiah/Tabungan Rencana Haji iB account is opened, for the Initial Deposit and Monthly Deposit amounts stated under item III.7.b.v below.
      3. Each month, before the debit date for the Tabungan Cita2Ku Berhadiah/Tabungan Rencana Haji iB account, the Customer must make available at least the Monthly Deposit amount (for the second and subsequent Monthly Deposits) and the minimum balance in the Danamon LEBIH PRO/Danamon LEBIH PRO iB account used as the source account.
      4. Customers who have met the requirements under items ii to iv above will receive a reward subject to the following conditions (“Term Savings Main Reward”):

         Term Savings Main Reward	Term	Initial Deposit (IDR)	Monthly Deposit (IDR)	Penalty/Reward Reimbursement Fee (IDR)
         e-Voucher Tiket.com IDR 1,000,000	24	IDR 7,000,000	IDR 700,000	IDR 1,500,000
         	36	IDR 5,000,000	IDR 300,000
         	60	IDR 2,000,000	IDR 150,000
         e-Voucher Tiket.com IDR 2,500,000	24	IDR 18,000,000	IDR 1,700,000	IDR 4,000,000
         	36	IDR 12,000,000	IDR 800,000
         	60	IDR 5,000,000	IDR 350,000
         e-Voucher Tiket.com IDR 5,000,000	24	IDR 35,000,000	IDR 3,500,000	IDR 7,500,000
         	36	IDR 25,000,000	IDR 1,500,000
         	60	IDR 11,500,000	IDR 650,000
         e-Voucher Tiket.com IDR 10,000,000	24	IDR 70,000,000	IDR 6,900,000	IDR 14,500,000
         	36	IDR 51,000,000	IDR 2,900,000
         	60	IDR 23,000,000	IDR 1,300,000
         iPhone 18 Pro 256 GB	24	IDR 235,000,000	IDR 10,100,000	IDR 34,000,000
         	36	IDR 116,000,000	IDR 6,700,000
         	60	IDR 53,000,000	IDR 3,000,000
         iPhone 18 Pro 512 GB	24	IDR 282,000,000	IDR 12,100,000	IDR 40,500,000
         	36	IDR 141,000,000	IDR 8,000,000
         	60	IDR 63,000,000	IDR 3,600,000
         iPhone 18 Pro 1TB	24	IDR 367,000,000	IDR 15,800,000	IDR 52,500,000
         	36	IDR 183,000,000	IDR 10,400,000
         	60	IDR 82,000,000	IDR 4,700,000
         iPhone 18 Pro 2TB	24	IDR 486,000,000	IDR 20,900,000	IDR 69,500,000
         	36	IDR 243,000,000	IDR 13,800,000
         	60	IDR 113,000,000	IDR 6,100,000
         iPhone 18 Pro Max 256 GB	24	IDR 252,000,000	IDR 10,800,000	IDR 36,000,000
         	36	IDR 125,000,000	IDR 7,200,000
         	60	IDR 54,000,000	IDR 3,300,000
         iPhone 18 Pro Max 512 GB	24	IDR 299,000,000	IDR 12,800,000	IDR 43,000,000
         	36	IDR 149,000,000	IDR 8,500,000
         	60	IDR 68,000,000	IDR 3,800,000
         iPhone 18 Pro Max 1TB	24	IDR 384,000,000	IDR 16,500,000	IDR 55,000,000
         	36	IDR 192,000,000	IDR 10,900,000
         	60	IDR 83,000,000	IDR 5,000,000
         iPhone 18 Pro Max 2TB	24	IDR 503,000,000	IDR 21,600,000	IDR 72,000,000
         	36	IDR 251,000,000	IDR 14,300,000
         	60	IDR 111,000,000	IDR 6,500,000
         Samsung Galaxy Z Flip8 12GB 512GB	24	IDR 190,000,000	IDR 8,100,000	IDR 27,500,000
         	36	IDR 90,000,000	IDR 5,600,000
         	60	IDR 43,000,000	IDR 2,400,000
         Samsung Galaxy Z Fold8 12GB 512GB	24	IDR 256,000,000	IDR 11,000,000	IDR 37,000,000
         	36	IDR 125,000,000	IDR 7,400,000
         	60	IDR 59,500,000	IDR 3,200,000
         Samsung Galaxy Z Fold8 16GB 1TB	24	IDR 319,000,000	IDR 13,700,000	IDR 46,000,000
         	36	IDR 149,000,000	IDR 9,600,000
         	60	IDR 74,000,000	IDR 4,000,000
         Samsung Galaxy Z Fold8 Ultra 12GB 512GB	24	IDR 287,000,000	IDR 12,400,000	IDR 41,500,000
         	36	IDR 135,000,000	IDR 8,600,000
         	60	IDR 67,000,000	IDR 3,600,000
         Samsung Galaxy Z Fold8 Ultra 16GB 1TB	24	IDR 349,000,000	IDR 15,100,000	IDR 50,500,000
         	36	IDR 165,000,000	IDR 10,500,000
         	60	IDR 81,000,000	IDR 4,400,000
         Toyota Avanza 1.5G CVT	60	IDR 576,500,000	IDR 22,500,000	IDR 294,500,000
         Voucher MAP IDR 500,000	24	IDR 3,000,000	IDR 400,000	IDR 1,000,000
         	36	IDR 2,000,000	IDR 200,000
         	60	IDR 1,000,000	IDR 100,000
         Voucher MAP IDR 1,000,000	24	IDR 7,000,000	IDR 700,000	IDR 1,500,000
         	36	IDR 5,000,000	IDR 300,000
         	60	IDR 2,000,000	IDR 150,000
         Voucher MAP IDR 2,500,000	24	IDR 18,000,000	IDR 1,700,000	IDR 4,000,000
         	36	IDR 12,000,000	IDR 800,000
         	60	IDR 5,000,000	IDR 350,000
         Voucher MAP IDR 5,000,000	24	IDR 35,000,000	IDR 3,500,000	IDR 7,500,000
         	36	IDR 25,000,000	IDR 1,500,000
         	60	IDR 11,500,000	IDR 650,000
         Voucher MAP IDR 10,000,000	24	IDR 70,000,000	IDR 6,900,000	IDR 14,500,000
         	36	IDR 51,000,000	IDR 2,900,000
         	60	IDR 23,000,000	IDR 1,300,000
         Voucher Ultra IDR 1,000,000	24	IDR 7,000,000	IDR 700,000	IDR 1,500,000
         	36	IDR 5,000,000	IDR 300,000
         	60	IDR 2,000,000	IDR 150,000
         Voucher Ultra IDR 2,500,000	24	IDR 18,000,000	IDR 1,700,000	IDR 4,000,000
         	36	IDR 12,000,000	IDR 800,000
         	60	IDR 5,000,000	IDR 350,000
         Voucher Ultra IDR 5,000,000	24	IDR 35,000,000	IDR 3,500,000	IDR 7,500,000
         	36	IDR 25,000,000	IDR 1,500,000
         	60	IDR 11,500,000	IDR 650,000
         Voucher Ultra IDR 10,000,000	24	IDR 70,000,000	IDR 6,900,000	IDR 14,500,000
         	36	IDR 51,000,000	IDR 2,900,000
         	60	IDR 23,000,000	IDR 1,300,000
         Yamaha NMAX Neo	24	IDR 356,000,000	IDR 15,200,000	IDR 51,000,000
         	36	IDR 166,000,000	IDR 10,700,000
         	60	IDR 81,000,000	IDR 4,500,000
         Yamaha NMAX Neo S	24	IDR 372,000,000	IDR 15,900,000	IDR 53,500,000
         	36	IDR 173,000,000	IDR 11,200,000
         	60	IDR 85,000,000	IDR 4,700,000
         Yamaha NMAX Turbo	24	IDR 408,000,000	IDR 17,400,000	IDR 58,500,000
         	36	IDR 189,000,000	IDR 12,300,000
         	60	IDR 94,500,000	IDR 5,100,000
         Yamaha NMAX Turbo Tech Max	24	IDR 453,000,000	IDR 19,400,000	IDR 65,000,000
         	36	IDR 214,000,000	IDR 13,500,000
         	60	IDR 101,000,000	IDR 5,800,000

8. Customers may participate in the Program more than once during the Program Period.
9. Customers will continue to receive interest (conventional) or profit sharing (sharia) in accordance with the applicable terms.
10. The first 200 (two hundred) Customers who participate in the Reguler USD Scheme, Reguler IDR Scheme, Fund Retention Scheme and/or Term Saving Scheme and conduct a foreign exchange transaction using Tabungan Danamon LEBIH PRO/Danamon LEBIH PRO iB during the Program Period will receive an additional Cashback reward (“Additional Reward”), as follows:

    Program Scheme Participation	(+) Foreign Exchange Transaction Add-On*)	Additional Reward Amount
    Regular IDR Scheme, Regular USD Scheme, Fund Retention or Term Savings	IDR 10,000,000 < IDR 50,000,000	IDR 100,000
    	≥ IDR 50,000,000	IDR 300,000

    *) Foreign Exchange Transaction Terms:

    • Foreign currency purchases must be made through the D-Bank PRO application using IDR as the source of funds.
    • The foreign currency purchase must be made on the same day that the Customer places funds or opens a Tabungan Cita2Ku Berhadiah/Tabungan Rencana Haji iB account.
    • The Customer may receive the Additional Reward no more than once during the Program Period, and the Reward is not granted in multiples.
    • Additional rewards under the Regular IDR Scheme are applicable only to Individual Customers
11. Customers may cancel their participation and unblock their funds by visiting the Bank Danamon branch where they registered for the Program and signing:
    1. the Program Participation Cancellation Form (for Customers participating in the Fund Blocking Scheme); or
    2. the Program Participation Cancellation Form and the Tabungan Cita2Ku Berhadiah/Tabungan Rencana Haji iB Account Closure Form (for Customers participating in the Term Savings Account Opening Scheme).
12. A Customer who cancels their participation in the Program will be charged a Penalty Fee/Reward Reimbursement Fee by Bank Danamon debiting the Customer’s Bank Danamon account.

1. The Fund Blocking Main Reward, Term Savings Main Reward and/or Additional Reward (“Reward”) will be provided to the Customer no later than:
   1. 20 (twenty) working days (for Cashback/e-Voucher rewards);
   2. 35 (thirty-five) working days (for goods/physical voucher rewards);
   3. 60 (sixty) working days (for motor vehicle rewards),
   after the Customer is declared to have met all General Program Terms and Conditions. Information on the status of fulfilment of these General Program Terms and Conditions may be obtained no later than the end of the following month from the Bank Danamon branch where the Customer joined the Program.
2. The Reward will be delivered to the Bank Danamon branch where the Customer joined the Program. The branch will notify the Customer so that the Customer can collect the Reward in person from the designated Bank Danamon branch.
3. Cashback Rewards will be credited to the Danamon LEBIH PRO/Danamon LEBIH PRO iB account registered for the Program.
4. The following terms apply specifically to e-Voucher Rewards:
   1. Bank Danamon will email a URL containing the e-Voucher delivery confirmation form to the Customer’s email address recorded in Bank Danamon’s system no later than 20 (twenty) working days after the Customer’s funds are blocked and/or the Customer is declared to have met all General Program Terms and Conditions.
   2. By completing the form at the link, the Customer acknowledges and agrees that the data will be provided to the third-party reward provider working with Bank Danamon.
   3. The Customer must complete their personal details (name, delivery address, telephone number and email address) on the form at the link no later than 30 (thirty) calendar days after Bank Danamon sends the confirmation form link.
   4. The Customer is fully responsible if an e-Voucher Reward is not received or cannot be delivered due to late or incorrect completion of the data at the link.
   5. The validity period and terms and conditions of an e-Voucher Reward are subject to the provisions stated on the relevant e-Voucher.
5. The following terms apply specifically to motor vehicle Rewards:
   1. The vehicle is provided without tax documents or a vehicle registration number (off the road).
   2. The type and colour of the Reward are subject to availability. Bank Danamon cannot accommodate special requests for colours, sizes, upgrades, exchanges or other variations from the Reward specifications.
6. For Joint OR or Joint AND accounts:
   1. For motor vehicle Rewards, Bank Danamon is not involved in determining the name in which the vehicle will be registered.
   2. Rewards other than motor vehicles must be received by all named account holders. If one account holder is unable to receive the Reward, that account holder may authorise another account holder to receive it.
7. Bank Danamon may, by giving prior notice to the Customer, replace a Reward with another item of equivalent value if the Reward stated in these General Program Terms and Conditions becomes unavailable.
8. The type and colour of the Reward cannot be selected.
9. Tax on the Reward is borne by Bank Danamon. The Customer is fully responsible for calculating and reporting any tax relating to the Reward received, on a self-assessment basis.
10. Rewards received by the Customer cannot be returned or exchanged for cash.
11. Bank Danamon does not provide a warranty for Rewards received by Customers under the Program. Any complaint concerning the quality of a Reward must therefore be directed to its manufacturer.
12. The Customer must inspect the Reward before accepting it. If a Reward received by the Customer is damaged or defective due to manufacturing or delivery, the Customer must report it to the Bank Danamon branch where they registered for the Program no later than 1 (one) working day after receiving the Reward.

1. The Customer hereby authorises Bank Danamon to: (i) freeze and unfreeze funds in accordance with the Participation Form and these General Program Terms and Conditions; and/or (ii) debit the Customer’s Bank Danamon account to pay the Initial Deposit, Monthly Deposit and/or Penalty Fee/Reward Reimbursement Fee if the Customer cancels the Program in accordance with the Cancellation Form and these General Program Terms and Conditions.
2. The authorisation granted by the Customer to Bank Danamon under these General Program Terms and Conditions includes the right of substitution. Until the Customer has fully discharged all obligations to the Bank, the authorisation is irrevocable and will not terminate for any reason, including but not limited to the circumstances described in Articles 1813, 1814 and 1816 of the Indonesian Civil Code, and forms an integral part of these General Program Terms and Conditions.

1. The Customer will not receive the Reward if their participation in the Program does not comply with the applicable Program Terms and Conditions.
2. The Customer is not entitled to the Additional Reward once the Additional Reward quota under the Program has been reached.

1. Customers may submit verbal or written complaints about banking products/services through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or by email athellodanamon@danamon.co.id.
2. The complete Customer complaint-handling procedure and mechanism are available on Bank Danamon’s official website at https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. These General Program Terms and Conditions form an integral part of the “General Terms and Conditions of Accounts and Banking Services of PT Bank Danamon Indonesia Tbk”, the “General Terms and Conditions of Sharia Accounts and Banking Services of PT Bank Danamon Indonesia Tbk”, the “General Terms and Conditions of Danamon LEBIH PRO Savings”, the “General Terms and Conditions of Danamon LEBIH PRO iB Savings”, the “General Terms and Conditions of Tabungan Cita2Ku Berhadiah”, the “General Terms and Conditions of Tabungan Rencana Haji iB” and/or other terms and conditions relating to banking products and/or services. If any of those provisions differ from or conflict with these General Program Terms and Conditions, these General Program Terms and Conditions shall prevail.
2. The Customer hereby agrees and acknowledges that Bank Danamon may revise, amend or supplement these General Program Terms and Conditions from time to time. Any revision, addition or update will be notified through Bank Danamon’s available communication channels. If there are changes to the benefits, risks, fees, terms or conditions under these General Program Terms and Conditions, the Customer may submit a written objection to Bank Danamon within 30 (thirty) working days from the date on which Bank Danamon gives notice through its communication channels. The Customer agrees that they will be deemed to have accepted the changes if they do not object within that period. If the Customer does not accept the changes, they may cancel their participation in the Program after first settling all obligations to Bank Danamon (if any).
3. The Customer understands that the notice period may be waived for certain changes in accordance with applicable laws and regulations.
4. If any provision of these General Program Terms and Conditions is prohibited, unenforceable, invalid or declared void by a government or court decision, this will not affect the validity of the remaining provisions, which shall remain effective, binding and enforceable as set out herein.
5. The Customer represents that they are not conducting and will not conduct any transaction suspected of involving money laundering and/or any other transaction prohibited under applicable Indonesian laws and regulations.
6. If there are indications of fraud, deception, transaction irregularities, unusual transactions, money laundering and/or acts contrary to applicable laws and regulations, Bank Danamon may cancel the transaction, cancel participation in the Program and/or cancel the reward granted to the Customer concerned. The Customer remains obliged to settle all obligations to Bank Danamon (if any).
7. The Customer agrees that funds placed in a savings account with a return above the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation are not covered by its guarantee. The Reward received by the Customer is also included when calculating the maximum guaranteed interest rate. Information on changes to the maximum guaranteed interest rate is available through Bank Danamon branches or Hello Danamon.
8. The headings and terms used in these General Program Terms and Conditions are solely intended to facilitate understanding of their contents.
9. These General Program Terms and Conditions comply with applicable laws and regulations, including regulations of the Financial Services Authority and the guaranteed interest provisions under the regulations of the Indonesia 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 Indonesia Deposit Insurance Corporation.

Customers must beware of fraud committed by persons claiming to represent Bank Danamon and promising rewards of any kind. Any fraud or other criminal act committed by another party or third party in connection with or in the name of the Program is outside Bank Danamon’s authority.