Extra Credit IDR 17,000

The program runs from 17 August 2026 to 31 August 2026. (“Program Period”).

This program is open only to participants who meet the following criteria (“Program Participants”):

1. Bank Danamon customers who hold an active Danamon savings account and have the D-Bank PRO app installed during the Program Period.
2. Customers who are subscribers to Telkomsel’s mobile telecommunications services.
3. Customers who carry out transactions as set out in the General Terms and Conditions of this Program.
4. The Program is open to employees of Bank Danamon and its affiliates who meet the participant criteria.

1. Program Participants must read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to refuse or cancel a Program Participant’s participation in this Program if the Program Participant fails to comply with the General Terms and Conditions of this Program.
3. Program Participants shall be responsible for all risks, losses, demands, lawsuits and/or claims arising from their participation in and/or the cancellation of their participation in this Program.

1. Programme Participants who have met the Programme’s Terms and Conditions are entitled to receive the reward specified in the Program (“Reward”).
2. The Reward is awarded in the form of a Regular Top-up Bonus of IDR 17,000 (seventeen thousand rupiah) for every purchase of a Telkomsel/Omni #HematLengkap Package with a value of 200K or more via the D-Bank PRO app.
3. The purchase is valid when made via the D-Bank PRO application using the following steps:
   1. Go to the Data Package menu.
   2. Enter your Telkomsel number.
   3. Select Other Offers.
   4. Choose the #HematLengkap Telkomsel/Omni Package according to the applicable denomination.
4. Program Participants who make a purchase in accordance with the provisions set out in the General Terms and Conditions of this Program during the Program Period are entitled to receive the Reward, with the details as follows:

   PROGRAM NAME	PROGRAM PERIOD	PROGRAM PARTICIPANTS	PROGRAM REWARDS	PROGRAM QUOTA
   #HematLengkap Telkomsel Package Program - OMNI Semangat Kemerdekaan RI ke - 81	17 August 2026 to 31 August 2026	Valid for all Bank Customers	A regular top-up of 17K with every purchase of a Telkomsel/Omni #HematLengkap package for amounts starting from 200k via the D-Bank PRO app	No quota and no transaction limits

5. Program Participants will not receive a Reward if the purchase transaction does not comply with the General Terms and Conditions of this Program.
6. Rewards awarded to Program Participants are not Bank products; therefore, any enquiries or requests for information regarding the rewards should be directed to the relevant reward manufacturer. Program Participants release the Bank from any liability in relation to the handling of complaints concerning rewards awarded to Program Participants.

1. Program Participants and/or their representatives may lodge a complaint regarding banking products or services, either verbally or in writing, via their nearest Bank branch, Hello Danamon (1-500-090) or by email at hellodanamon@danamon.co.id.
2. The procedure for the complaints service can be accessed via the Bank’s official website at the following link: www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. The products and/or services provided by the merchant are not the products of, nor are they the responsibility of, Bank Danamon; they are therefore the sole responsibility of Telkomsel. Should there be any issues and/or complaints regarding Telkomsel’s products and/or services, customers are requested to contact the relevant merchant partner.
2. The General Terms and Conditions of this 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 D-Bank PRO”. These terms and conditions shall remain in force unless otherwise provided for in the General Terms and Conditions of this Program.
3. Program Participants hereby agree and acknowledge that the Bank 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 the Bank. In the event of any changes to the benefits, risks, fees, terms and conditions set out in the General Terms and Conditions of this Program, or any other changes, Program Participants are entitled to submit their objections in writing to the Bank within 30 (thirty) working days from the date on which the Bank notifies such changes via the Bank’s 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 the Bank (if any).
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. Should there be any indication of fraud, deception, misuse, irregular transactions, unusual transactions, money laundering and/or actions that do not comply with applicable laws and regulations, the Bank reserves the right to cancel transactions, terminate the use of the Bank’s products/services, cancel participation in the Program, or cancel the provision of Program benefits to the Program Participant concerned. Program Participants remain obliged to settle all their obligations to the Bank (if any).
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 valid, binding and 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 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.
9. 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.
10. The General Terms and Conditions of this Program have been aligned with the provisions of applicable laws and regulations, including the regulations of the Financial Services Authority.
11. 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.

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