Zero Charge IDR 500,000 Appraisal Fee for Danamon HomeCash Applications

The Program Period from 4 September – 31 December 2026

This Program is open only to customers who have been registered as existing customers of Danamon Bank for a minimum period of 3 (three) months ("Customers").

1. Customers are required to read and understand these General Terms and Conditions of the Program.
2. Bank Danamon reserves the right, at any time, to reject or cancel a Customer’s participation in the Program if the Customer does not meet the requirements set forth in these General Terms and Conditions of the Program.
3. Customers shall be fully responsible for any risks, losses, demands, actions, and/or claims arising from their participation and/or cancellation of participation in the Program.
4. Customers who apply for a Multipurpose Loan facility (Danamon HomeCash KMG) during the Program Period are entitled to receive a discount on the internal collateral appraisal fee charged by Danamon Bank of up to IDR 500,000 (five hundred thousand Rupiah). If the appraisal fee exceeds the discount amount, the Customer shall be responsible for paying the remaining balance of the appraisal fee.
5. Customers are entitled to receive the collateral appraisal fee discount benefit only once for one (1) collateral appraisal related to a Multipurpose Loan (Danamon HomeCash KMG) application during the Program Period.
6. Applications for a Multipurpose Loan facility (Danamon HomeCash KMG) that qualify for the collateral appraisal fee discount benefit of IDR 500,000 (five hundred thousand Rupiah) must meet the following criteria:

   No	Subject	Details
   1	Loan or Financing Limit	Minimum IDR 100 Million Maximum IDR 8 Billion
   2	Maximum Loan or Financing Tenure	Maximum 10 Years
   3	Collateral	Eligible Collateral Criteria: The collateral must be in the form of a House, Apartment, Shop House (Ruko), or Shop Office (Rukan). The collateral must be registered under the name of the Prospective Debtor/Customer or his/her Spouse*. *) Collateral registered under the spouse’s name is acceptable, provided that there is no prenuptial or postnuptial agreement on the separation of assets.

7. Bank Danamon reserves the right to approve or reject any Customer application at its sole discretion, based on its evaluation and the applicable policies and regulations of the Bank.

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 https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. These General Terms and Conditions of the Program constitute an integral and inseparable part of the "General Terms and Conditions for Accounts and Banking Services" and the "General Terms and Conditions for Sharia Accounts and Banking Services" applicable at Danamon Bank. In the event of any inconsistency or conflict between such terms and these General Terms and Conditions of the Program, these General Terms and Conditions of the Program shall prevail.
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 (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 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. 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.
9. 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.
10. 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.