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

Save IDR 100,000 at Blibli, Shopee, and Tokopedia

01 September 2026 - 31 December 2026

Debit Card

Save IDR 100,000 at Blibli

The Program General Terms and Conditions Save IDR 100,000 at Blibli (“Progam General Terms and Conditions”) constitute the terms and conditions applicable to Cardholder of Save IDR 100,000 at Blibli (“Program”) organized by PT Bank Danamon Indonesia Tbk (“Danamon”) in collaboration with merchant partner Blibli.

The Cardholder hereby agrees to and is bound by all provisions set forth in the following Program General Terms and Conditions:

Program Period
The Program shall be conducted during the period commencing on 1 September 2026 until 31 December 2026 (“Period of Program”).
Criteria for Program Participant
The Program is valid for Danamon Mastercard® Debit Cardholders (“Card”).
Program Terms and Conditions
1. Cardholders must read and understand the General Terms and Conditions of the Program.
2. Danamon reserves the right to refuse or cancel Cardholders' participation in this Program if Cardholders do not comply with the General Terms and Conditions of the Program.
3. Cardholders are solely responsible for all risks of loss, claims, lawsuits, and/or demands arising from their participation and/or cancellation of participation in this Program.
4. The Program is subject to the following terms and conditions:
  1. The Program offers a discount/price reduction of IDR 100,000 (one hundred thousand Rupiah) with a minimum transaction of IDR 1,500,000 (one million five hundred thousand Rupiah) applicable for transactions made through the Blibli app (Android and iOS).
  2. The Program applies with the following transaction quota:
    1. A maximum of 39 (thirty-nine) transaction quotas per month for the period from 1 September 2026 to 31 October 2026, using promo code BDMNDB-REG.
    2. A maximum of 40 (forty) transaction quotas per month for the period from 1 November 2026 to 31 December 2026, using promo code BDMNDB-REG.
  3. The Program is valid every day, including national public holidays, from 00:01 to 23:59 WIB during the Program Period.
  4. The Program is valid for 2 (two) transactions with the same Card number for 1 (one) Blibli user account during the Program Period.
  5. The Program is valid for transactions with full payment.
  6. The Program is not valid for purchases in the following categories:
    1. Vouchers (Mobile Credit, Data, Gaming, Travel and Tours, Shopping, Event Tickets);
    2. Top-ups (Mobile Credit, Data Packages, E-Money, Roaming);
    3. Bills (PLN Electricity, BPJS, Telkom, PDAM, Postpaid, Loan Installments);
    4. Tickets (Train, Airplane, Bus);
    5. Entertainment (Game Vouchers, Local Deals, Event and Entertainment Tickets); and
    6. Donations and Finance (Donations, Zakat, Business Loans).
  7. The Program is not valid for cumulative and/or multiple transactions.
  8. The Program is non-refundable.
  9. Cardholders agree that Cardholders will not receive discounts/price reductions if the quota as specified in point C.4.b above has been used up, even if the Program Period has not ended.
  10. The Program applies to purchases using delivery services supported by Blibli.
  11. The Program cannot be combined with any other offers or promotions.
5. By conducting transactions in accordance with the General Terms and Conditions of this Program, Cardholders are 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. Transactions conducted by Cardholders constitute valid proof of Cardholders' participation in the Program and Cardholders' agreement to be bound by the General Terms and Conditions of this Program.
Cardholder Complaints
1. The Cardholders or their representative may submit complaints related to banking products and/or services either verbally or in writing through Danamon’s nearest branch office, via Hello Danamon at 1-500-090, or by email to hellodanamon@danamon.co.id.
2. The procedures for the customer complaint service may be found on the official website of Danamon at the following link: www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
Additional Terms and Conditions
1. These Program General Terms and Conditions is an inseparable part of General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk, the General Terms and Conditions for Danamon Debit/ATM Cards, as well as other terms and conditions related to banking products and/or services, shall apply. In the event of any discrepancy or conflict between such terms and conditions and Program General Terms and Conditions, the Program General Terms and Conditions shall prevail.
2. The products and/or services provided by the Partner are the sole responsibility of the Partner and do not constitute products or responsibilities of Danamon. In the event of any issues and/or complaints related to such products, services, and/or benefits, please contact the relevant Partner.
3. The Cardholder agrees and acknowledges that Danamon reserves the right to amend/change/or supplement these Program General Terms and Conditions from time to time. Any changes shall be communicated through Danamon’s available communication media. In the event of any change in the benefits, risks, fees, and general terms and conditions and other changes, the Cardholder has the right to submit a written objection to Danamon within 30 (thirty) Business Days from the date of such notification by Danamon via its available communication channels. The Cardholder agrees that if no objection is submitted within the specified period, the Cardholder shall be deemed to have accepted the changes. If the Carholder does not agree with the changes, the Cardholder has the right to discontinue Program participation by first completing all obligations to Danamon (if any).
4. The Cardholder represents and warrants that the Cardholder is not currently engaged in, and will not engage in, any transactions that may be indicative of money laundering and/or any other transactions prohibited under the prevailing laws and regulations of the Republic of Indonesia.
5. In the event of any indication of fraud, misconduct, deception, irregular transactions, unreasonable transactions, money laundering, and/or any actions that are contrary to applicable laws and regulations, Danamon reserves the right to cancel the transaction, terminate the use of Danamon’s products/services, revoke the Cardholder participation in the Program, and/or cancel the provision of Program benefits to the relevant Cardholder.
6. If any provision of these Program General Terms and Conditions are, by reason of any government regulation or court decision, prohibited, unenforceable, rendered invalid, or declared null and void, such circumstance shall not affect the validity or enforceability of the remaining provisions of these Program General Terms and Condition, which shall remain in full force and effect and binding upon the parties as set forth herein.
7. In the event that any irregularities related to the Program are discovered, or if any fraudulent activity is suspected, the Cardholder is advised to promptly report such matters through Hello Danamon.
8. These Program Terms and Conditions are prepared in both Indonesian and English. In the event of any discrepancy or difference in interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
9. The headings and terminology used in these Program General Terms and Conditions are intended solely to facilitate understanding of the contents of these Program General Terms and Conditions.
10. These Program General Terms and Conditions have been adjusted to comply with the prevailing laws and regulations, including regulations issued by the Financial Services Authority (OJK).
11. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) and Bank Indonesia, and is a participant in the Deposit Insurance Program of the Indonesia Deposit Insurance Corporation (LPS).

NOTICE
Program Participant must exercise due caution against fraudulent activities perpetrated by individuals or entities falsely claiming to represent Danamon and offering rewards in any form. Danamon shall not be held liable for any acts of fraud or other criminal conduct committed by third parties in connection with or under the pretense of association with Danamon or this Program.

Save IDR 100,000 at Shopee

The Program General Terms and Conditions Save IDR 100,000 at Shopee (“Progam General Terms and Conditions”) constitute the terms and conditions applicable to Cardholder of Save IDR 100,000 at Shopee (“Program”) organized by PT Bank Danamon Indonesia Tbk (“Danamon”) in collaboration with merchant partner Shopee.

The Cardholder hereby agrees to and is bound by all provisions set forth in the following Program General Terms and Conditions:

Program Period
The Program shall be conducted during the period commencing on 1 September 2026 until 31 December 2026 (“Period of Program”).
Criteria for Program Participant
The Program is valid for Danamon Mastercard® Debit Cardholders (“Card”).
Program Terms and Conditions
1. Cardholders must read and understand the General Terms and Conditions of the Program.
2. Danamon reserves the right to refuse or cancel Cardholders' participation in this Program if Cardholders do not comply with the General Terms and Conditions of the Program.
3. Cardholders are solely responsible for all risks of loss, claims, lawsuits, and/or demands arising from their participation and/or cancellation of participation in this Program.
4. The Program is subject to the following terms and conditions:
  1. The program offers a discount/price reduction of IDR 100,000 (one hundred thousand Rupiah) with a minimum transaction of IDR 1,500,000 (one million five hundred thousand Rupiah) applicable for transactions made through the Shopee app (Android and iOS).
  2. The Program applies with the following transaction quota:
    - A maximum of 89 (eighty-nine) transaction quotas per month for the period from 1 September 2026 to 30 September 2026.
    - A maximum of 90 (ninety) transaction quotas per month for the period from 1 October 2026 to 31 December 2026.
  3. The voucher will automatically appear on the ‘My Vouchers’ page and will be valid after the voucher is selected during checkout via the Shopee app.
  4. If the voucher does not appear, it means that the quota has been used up.
  5. The program is valid every day, including national public holidays, from 10:00 to 23:59 WIB during the Program Period.
  6. Valid for 1 (one) transaction with the same card number for 1 (one) Shopee user account during the Program Period.
  7. The program is valid for transactions with full payment.
  8. The program does not apply to purchases in the following categories:
    - Vouchers (Mobile Top-ups, Data, Gaming, Travel and Tours, Shopping, Event Tickets);
    - Top-ups (Mobile Top-ups, Data Packages, E-Money, Roaming);
    - Bills (PLN Electricity, BPJS, Telkom, PDAM, Postpaid, Installment Payments);
    - Tickets (Train, Flight, Bus);
    - Entertainment (Game Vouchers, Local Deals, Event and Entertainment Tickets);
    - Donations and Finance (Donations, Zakat, Business Loans);
    - Shopeefood;
    - All Financial Products;
    - Shopee Gifts;
    - Infant Formula (0–12 months);
    - Specialised Formula: Specialised Formula for Infants with Special Needs;
    - Over-the-Counter Medicines;
    - Sub-categories: Precious Metals, Fine Jewellery, SIM Cards and E-money; and
    - Motorcycle.
  9. The Program is not valid for cumulative and/or multiple transactions.
  10. The Program is non-refundable.
  11. Cardholders agree that Cardholders will not receive discounts/price reductions if the quota as specified in point C.4.b above has been exhausted, even if the Program Period has not yet ended.
  12. The Program applies to purchases made using delivery services supported by Shopee.
  13. The Program cannot be combined with any other offers or promotions.
5. By conducting transactions in accordance with the General Terms and Conditions of this Program, Cardholders are 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. Transactions conducted by Cardholders constitute valid proof of Cardholders' participation in the Program and Cardholders' agreement to be bound by the General Terms and Conditions of this Program.
Cardholder Complaints
1. The Cardholders or their representative may submit complaints related to banking products and/or services either verbally or in writing through Danamon’s nearest branch office, via Hello Danamon at 1-500-090, or by email to hellodanamon@danamon.co.id.
2. The procedures for the customer complaint service may be found on the official website of Danamon at the following link: www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
Additional Terms and Conditions
1. These Program General Terms and Conditions is an inseparable part of General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk, the General Terms and Conditions for Danamon Debit/ATM Cards, as well as other terms and conditions related to banking products and/or services, shall apply. In the event of any discrepancy or conflict between such terms and conditions and Program General Terms and Conditions, the Program General Terms and Conditions shall prevail.
2. The products and/or services provided by the Partner are the sole responsibility of the Partner and do not constitute products or responsibilities of Danamon. In the event of any issues and/or complaints related to such products, services, and/or benefits, please contact the relevant Partner.
3. The Cardholder agrees and acknowledges that Danamon reserves the right to amend/change/or supplement these Program General Terms and Conditions from time to time. Any changes shall be communicated through Danamon’s available communication media. In the event of any change in the benefits, risks, fees, and general terms and conditions and other changes, the Cardholder has the right to submit a written objection to Danamon within 30 (thirty) Business Days from the date of such notification by Danamon via its available communication channels. The Cardholder agrees that if no objection is submitted within the specified period, the Cardholder shall be deemed to have accepted the changes. If the Carholder does not agree with the changes, the Cardholder has the right to discontinue Program participation by first completing all obligations to Danamon (if any).
4. The Cardholder represents and warrants that the Cardholder is not currently engaged in, and will not engage in, any transactions that may be indicative of money laundering and/or any other transactions prohibited under the prevailing laws and regulations of the Republic of Indonesia.
5. In the event of any indication of fraud, misconduct, deception, irregular transactions, unreasonable transactions, money laundering, and/or any actions that are contrary to applicable laws and regulations, Danamon reserves the right to cancel the transaction, terminate the use of Danamon’s products/services, revoke the Cardholder participation in the Program, and/or cancel the provision of Program benefits to the relevant Cardholder.
6. If any provision of these Program General Terms and Conditions are, by reason of any government regulation or court decision, prohibited, unenforceable, rendered invalid, or declared null and void, such circumstance shall not affect the validity or enforceability of the remaining provisions of these Program General Terms and Condition, which shall remain in full force and effect and binding upon the parties as set forth herein.
7. In the event that any irregularities related to the Program are discovered, or if any fraudulent activity is suspected, the Cardholder is advised to promptly report such matters through Hello Danamon.
8. These Program Terms and Conditions are prepared in both Indonesian and English. In the event of any discrepancy or difference in interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
9. The headings and terminology used in these Program General Terms and Conditions are intended solely to facilitate understanding of the contents of these Program General Terms and Conditions.
10. These Program General Terms and Conditions have been adjusted to comply with the prevailing laws and regulations, including regulations issued by the Financial Services Authority (OJK).
11. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) and Bank Indonesia, and is a participant in the Deposit Insurance Program of the Indonesia Deposit Insurance Corporation (LPS).

Save IDR 100,000 at Tokopedia

The Program General Terms and Conditions Save IDR 100,000 at Tokopedia (“Progam General Terms and Conditions”) constitute the terms and conditions applicable to Cardholder of Save IDR 100,000 at Tokopedia (“Program”) organized by PT Bank Danamon Indonesia Tbk (“Danamon”) in collaboration with merchant partner Tokopedia.

The Cardholder hereby agrees to and is bound by all provisions set forth in the following Program General Terms and Conditions:

Program Period
The Program shall be conducted during the period commencing on 9 September 2026 until 31 December 2026 (“Period of Program”).
Criteria for Program Participant
The Program is valid for Danamon Mastercard® Debit Cardholders (“Card”).
Program Terms and Conditions
1. Cardholders must read and understand the General Terms and Conditions of the Program.
2. Danamon reserves the right to refuse or cancel Cardholders' participation in this Program if Cardholders do not comply with the General Terms and Conditions of the Program.
3. Cardholders are solely responsible for all risks of loss, claims, lawsuits, and/or demands arising from their participation and/or cancellation of participation in this Program.
4. The Program is subject to the following terms and conditions:
  1. The program offers a discount/price reduction of IDR 100,000 (one hundred thousand Rupiah) with a minimum transaction of IDR 1,500,000 (one million five hundred thousand Rupiah) applicable for transactions made through the Tokopedia app (Android and iOS).
  2. The Program applies with the following transaction quota:
    - A maximum of 88 (eighty-eight) transaction quotas per month for the period from 9 September 2026 to 31 October 2026.
    - A maximum of 89 (eighty-nine) transaction quotas per month for the period from 1 November 2026 to 31 December 2026.
  3. The promo coupon will be displayed on the checkout page and must be claimed in order to receive the discount/price reduction.
  4. If the promotional coupon is unavailable, the quota has been fully redeemed.
  5. The program is valid every day, including national public holidays, from 10:00 to 23:59 WIB during the Program Period.
  6. Valid for 1 (one) transaction with the same card number for 1 (one) Tokopedia user account during the Program Period.
  7. The program is valid for transactions with full payment.
  8. The program is not valid for purchases in the following categories:
    - Vouchers (Mobile Credit, Data, Gaming, Travel and Tours, Shopping, Event Tickets);
    - Top-ups (Mobile Credit, Data Packages, E-Money, Roaming);
    - Bills (PLN Electricity, BPJS, Telkom, PDAM, Postpaid, Loan Installments);
    - Tickets (Train, Airplane, Bus);
    - Entertainment (Game Vouchers, Local Deals, Event and Entertainment Tickets); and
    - Donations and Finance (Donations, Zakat, Business Loans).
  9. The Program is not valid for cumulative and/or multiple transactions.
  10. The program is non-refundable.
  11. Cardholders agree that Cardholders will not receive discounts/price reductions if the quota as specified in point C.4.b above has been used up, even if the Program Period has not ended.
  12. The Program applies to purchases using delivery services supported by Tokopedia.
  13. The Program cannot be combined with any other offers or promotions.
5. By conducting transactions in accordance with the General Terms and Conditions of this Program, Cardholders are 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. Transactions conducted by Cardholders constitute valid proof of Cardholders' participation in the Program and Cardholders' agreement to be bound by the General Terms and Conditions of this Program.
Cardholder Complaints
1. The Cardholders or their representative may submit complaints related to banking products and/or services either verbally or in writing through Danamon’s nearest branch office, via Hello Danamon at 1-500-090, or by email to hellodanamon@danamon.co.id.
2. The procedures for the customer complaint service may be found on the official website of Danamon at the following link: www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
Additional Terms and Conditions
1. These Program General Terms and Conditions is an inseparable part of General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk, the General Terms and Conditions for Danamon Debit/ATM Cards, as well as other terms and conditions related to banking products and/or services, shall apply. In the event of any discrepancy or conflict between such terms and conditions and Program General Terms and Conditions, the Program General Terms and Conditions shall prevail.
2. The products and/or services provided by the Partner are the sole responsibility of the Partner and do not constitute products or responsibilities of Danamon. In the event of any issues and/or complaints related to such products, services, and/or benefits, please contact the relevant Partner.
3. The Cardholder agrees and acknowledges that Danamon reserves the right to amend/change/or supplement these Program General Terms and Conditions from time to time. Any changes shall be communicated through Danamon’s available communication media. In the event of any change in the benefits, risks, fees, and general terms and conditions and other changes, the Cardholder has the right to submit a written objection to Danamon within 30 (thirty) Business Days from the date of such notification by Danamon via its available communication channels. The Cardholder agrees that if no objection is submitted within the specified period, the Cardholder shall be deemed to have accepted the changes. If the Carholder does not agree with the changes, the Cardholder has the right to discontinue Program participation by first completing all obligations to Danamon (if any).
4. The Cardholder represents and warrants that the Cardholder is not currently engaged in, and will not engage in, any transactions that may be indicative of money laundering and/or any other transactions prohibited under the prevailing laws and regulations of the Republic of Indonesia.
5. In the event of any indication of fraud, misconduct, deception, irregular transactions, unreasonable transactions, money laundering, and/or any actions that are contrary to applicable laws and regulations, Danamon reserves the right to cancel the transaction, terminate the use of Danamon’s products/services, revoke the Cardholder participation in the Program, and/or cancel the provision of Program benefits to the relevant Cardholder.
6. If any provision of these Program General Terms and Conditions are, by reason of any government regulation or court decision, prohibited, unenforceable, rendered invalid, or declared null and void, such circumstance shall not affect the validity or enforceability of the remaining provisions of these Program General Terms and Condition, which shall remain in full force and effect and binding upon the parties as set forth herein.
7. In the event that any irregularities related to the Program are discovered, or if any fraudulent activity is suspected, the Cardholder is advised to promptly report such matters through Hello Danamon.
8. These Program Terms and Conditions are prepared in both Indonesian and English. In the event of any discrepancy or difference in interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
9. The headings and terminology used in these Program General Terms and Conditions are intended solely to facilitate understanding of the contents of these Program General Terms and Conditions.
10. These Program General Terms and Conditions have been adjusted to comply with the prevailing laws and regulations, including regulations issued by the Financial Services Authority (OJK).
11. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) and Bank Indonesia, and is a participant in the Deposit Insurance Program of the Indonesia Deposit Insurance Corporation (LPS).

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