HUT RI – SPECIAL RATE DANAMON DANA INSTANT

The Program Period runs from 1 August 2026 to 31 August 2026 (“Program Period”).

Individual customers who meet the criteria to apply for the Danamon Dana Instant credit facility in accordance with Bank Danamon’s terms and conditions, subject to the additional terms and conditions for this Program, are as follows (“Program Participants”):

1. Indonesian citizens who hold an active Bank Danamon savings account during the Program Period and have an average total managed fund comprising the average balance of all savings, current accounts, deposits, investment products and unit-linked bancassurance products at Bank Danamon of at least IDR 50,000,000 (fifty million rupiah) over the last 6 (six) months; or
2. Customers who already hold an active Danamon Dana Instant credit facility and apply for an increase in the limit or ceiling on that credit facility in accordance with Bank Danamon’s applicable policies; or
3. Payroll customers, who are employees of companies that have partnered with Bank Danamon for payroll management services; or
4. Permanent employees of Bank Danamon.

1. Before joining the Program, Program Participants are required to read, understand and be fully aware of the characteristics, benefits, risks, costs and other terms and conditions of the Program, and to agree to the Program’s General Terms and Conditions.
2. Bank Danamon reserves the right to refuse or cancel a Program Participant’s participation in the Program if the General Terms and Conditions of this Program are not met.
3. Program Participants are 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. Program Participants must complete and sign the Danamon Dana Instant application form and provide all required documents.
5. Program Participants may apply for a Danamon Dana Instant loan (“Loan”) with the tenor, interest rate and specific administrative/admin fees applicable during the Program Period, subject to the following conditions:

   Danamon Dana Instant Tenor*	Interest	Admin Fee**
   6 months	0.81%	3 per cent of the loan principal, with a minimum of IDR 181,000

   *For loan tenures other than those mentioned above, interest and fees on the loan will be subject to the applicable terms and conditions of the standard Danamon Dana Instant scheme

   **No administration fee will be charged to Bank Danamon employees.

6. The program applies to a maximum loan amount of IDR 81,000,000 (eighty-one million rupiah)
7. Program Participants hereby acknowledge and agree that Bank Danamon reserves the right to amend the loan amount and loan term should the Program Participant’s application via the Danamon Dana Instant app not align with the results of the analysis conducted by Bank Danamon.
8. Program Participants hereby acknowledge and agree that Bank Danamon has the authority to reject a Program Participant’s application if, based on the analysis carried out by Bank Danamon, the Program Participant does not meet the loan requirements set by Bank Danamon.
9. By submitting a Loan application in accordance with the General Terms and Conditions of this Program, the Program Participant is deemed to have read, understood and agreed to participate in the Program and to be bound by the General Terms and Conditions of this Program. The submission of such a Loan application constitutes valid evidence of the Program Participant’s participation in the Program and their agreement to be bound by the General Terms and Conditions of this Program.

Bank Danamon may reject a loan application submitted by a Program Participant if, based on Bank Danamon’s credit analysis, it does not meet the applicable requirements.

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 customer complaints can be accessed via the website www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. The General Terms and Conditions of the Program form an integral and inseparable part of the “General Terms and Conditions for Bank Danamon Accounts and Banking Services” and the “General Terms and Conditions for Danamon Dana Instant”, as well as other terms and conditions relating to banking products and/or services. In the event of any discrepancy or conflict between those provisions and the General Terms and Conditions of this Program, the General Terms and Conditions of this Program shall prevail. These terms and conditions shall remain in force unless otherwise provided for in the General Terms and Conditions of this Program.
2. Program Participants hereby agree and acknowledge that Bank Danamon is entitled to amend, modify or supplement the General Terms and Conditions of this Program from time to time, with notice provided 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 the General Terms and Conditions of this Program, as well as any other changes, Program Participants are entitled to submit their objections in writing to Bank Danamon within 30 (thirty) working days from the date on which Bank Danamon notifies such changes via its communication channels. Program Participants agree that they shall be deemed to have consented to the notified changes should they fail to raise an objection within the aforementioned period. Should Program Participants not consent to such changes, they shall be entitled to cancel their participation in the Program, provided they have first settled all their obligations to Bank Danamon (if any).
3. The Customer understands that, for certain changes in accordance with the provisions of applicable laws and regulations, the Notice Period for Changes may be waived.
4. Program Participants declare 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.
5. In the event of any indication of fraud, misconduct and/or irregular transactions, unusual transactions, money laundering offences and/or actions that contravene applicable laws and regulations, Bank Danamon reserves the right to cancel the transaction or terminate participation in the Program. The Program Participant remains obliged to settle all outstanding obligations to Bank Danamon.
6. Should any provision of the General Terms and Conditions of this 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 the General Terms and Conditions of this Program, and such other provisions shall remain in full force and effect and shall be enforceable as set out in the General Terms and Conditions of this Program.
7. Should any irregularities relating to this Program be discovered, or should any suspected fraud occur, Program Participants are advised to report this immediately via Hello Danamon.
8. These General Terms and Conditions of this Program 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.
9. The headings and terms used in these General Terms and Conditions of this Program are intended solely to facilitate understanding of the content of these General Terms and Conditions of this Program.
10. These General Terms and Conditions of this Program have been aligned with applicable laws and regulations, including the regulations of the Financial Services Authority and Bank Indonesia.
11. Bank Danamon is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a member of the Indonesia Deposit Insurance Corporation.

Program participants must be wary of fraud perpetrated by individuals acting in the name of Bank Danamon who promise prizes of any kind. Bank Danamon is not responsible for any fraud or other criminal acts committed by other parties or third parties in connection with, or in the name of, Bank Danamon or this Program.