Spread Kindness Through Saving and Giving

The program runs from 26 August 2026 to 26 October 2026 (“Program Period”).

This program is open to individuals who are members of the Buddhakirti Foundation (“Customers”).

1. Any Customer wishing to participate in this Program must first register by completing and signing the Program Participation Form.
2. Customers must ensure that their details are up to date, including but not limited to their address, telephone number and email address.
3. Customers must read and understand the General Terms and Conditions of the Program.
4. Bank Danamon reserves the right to refuse or cancel a customer’s participation in this Program if the customer fails to comply with the Program’s General Terms and Conditions.
5. The customer bears full responsibility for any risks of loss, demands, lawsuits and/or claims arising from their participation in and/or cancellation of their participation in this Program.
6. Customers must hold a Danamon LEBIH PRO savings account. If the Customer does not yet hold a Danamon LEBIH PRO savings account, they must open a Danamon LEBIH PRO savings account first.
7. The Customer must deposit fresh funds into their Danamon LEBIH PRO account by transferring funds from another bank account to the account used for participation in this Program (“Fresh Fund Deposit”).
8. The Customer’s funds must be held on the same day as their enrolment in this Program.
9. The fresh fund deposit must be made no later than 7 (seven) calendar days before the funds are held.
10. Customers who have made a fresh fund deposit and had their funds held will receive a Donation Reward to be given to the Buddhakirti Foundation, subject to the terms set out in the table below:

    Scheme	Donation Reward Amount	Tenor (months)	Fund Hold Amount (per Program Participation)	Penalty Fee (per Program Participation)
    Funds Hold Scheme	IDR 1,800,000.00	12	IDR 50,000,000.00	IDR 2,500,000.00

11. Customers may participate in the Program more than once during the Program Period.
12. Customers will continue to receive the (conventional) interest rate in accordance with the applicable terms and conditions.
13. Customers may cancel their participation in this Program by visiting the Bank Danamon branch where they registered for the Program, and must sign the Program Withdrawal Form.
14. In the event of cancellation of participation in the Program or failure to fulfil all the Program Terms and Conditions, the Customer will be charged a Penalty Fee in accordance with the provisions of clause III.10 and above. The Penalty Fee shall be paid by the Customer in a single installment, whereby Bank Danamon will debit the account held in the Customer’s name at Bank Danamon.

1. The Customer hereby agrees that the Donation Reward will be transferred to the Buddhakirti Foundation once a minimum of 20 (twenty) participations in the Program (Funds Hold Scheme) have been completed during the Program Period.
2. If, at the end of the Program Period, the requirement set out in point 1 (one) above has not been met, the Customer will receive a Cashback Reward of IDR 1,500,000.00 per Program participation, which will be credited by Bank Danamon to the Customer’s Danamon LEBIH PRO account, provided the Customer meets the General Terms and Conditions of the Program.
3. The Donation Reward will be transferred to the Buddhakirti Foundation or to the Customer’s Danamon LEBIH PRO Savings Account in accordance with the provisions of points 1 and 2 above, no later than 20 (twenty) working days after the Program Period ends.
4. Tax on the Donation Reward shall be borne by Bank Danamon. All matters relating to the calculation and reporting of tax on the Donation Reward received by the Customer or the Buddhakirti Foundation shall be the sole responsibility of the Customer or the Buddhakirti Foundation (self-assessment basis).

1. The Customer hereby authorises Bank Danamon to: (i) freeze and unfreeze funds in accordance with the Participation Form and the General Terms and Conditions of the Program; and/or (ii) debit the Customer’s account with Bank Danamon to cover monthly installments and/or penalty charges should the Customer cancel the Program or fail to comply with the General Terms and Conditions of the Program. (iii) make a donation to the Buddhakirti Foundation in accordance with the General Terms and Conditions of the Program.
2. The powers of attorney granted by the Customer in these General Terms and Conditions of the Program are granted to Bank Danamon with the right of substitution; and so long as the Customer’s obligations to the Bank have not been fully discharged, such powers of attorney may not be revoked nor shall they terminate for any reason whatsoever, including but not limited to the grounds set out in Article 1813 (Termination of a power of attorney: upon revocation by the principal; upon notice of termination by the attorney; upon the death, guardianship or bankruptcy of either the principal or the attorney), 1814 (the principal may revoke the power of attorney whenever they so wish, and, where there are grounds for doing so, to compel the agent to return the authority held by him) and 1816 (the appointment of a new agent to conduct the same matter results in the revocation of the first power of attorney, with effect from the date on which the latter is notified of such appointment) The Civil Code and the said powers of attorney form an integral part of the General Terms and Conditions of this Program.

1. Customers may lodge complaints regarding banking products or services either verbally or in writing via their nearest Bank Danamon branch, through Hello Danamon (1-500-090), or by email at hellodanamon@danamon.co.id.
2. For full details of the procedures and mechanisms regarding the customer complaints service, please refer to Bank Danamon’s official website, which can be accessed via the following link: www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah

1. These General Terms and Conditions of the Program form an integral and inseparable part of the “General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk”, the “General Terms and Conditions for the Danamon LEBIH PRO Savings Account”, and/or any 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 the Program, the General Terms and Conditions of the Program shall prevail.
2. The Customer hereby agrees and acknowledges that Bank Danamon is entitled to amend, modify or supplement these General Terms and Conditions of the Program from time to time. Any amendments, additions or updates to these General Terms and Conditions of the Program will be notified via the communication channels available at Bank Danamon. In the event of any changes to the benefits, risks, costs, terms and conditions under these General Terms and Conditions of the Program, the Customer is entitled to submit a written objection to Bank Danamon within 30 (thirty) working days from the date on which Bank Danamon notifies such changes via its communication channels. The Customer agrees that they shall be deemed to have accepted such changes if they do not raise an objection within the aforementioned period. Should the Customer not agree to such changes, they are entitled to cancel their participation in the Program, provided they have first settled all outstanding obligations to Bank Danamon (if any).
3. Should any provision of these General Terms and Conditions of the 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 these General Terms and Conditions of the Program, and such other provisions shall remain in full force and effect and shall be enforceable as set out in these General Terms and Conditions of the Program.
4. The Customer declares 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, transaction irregularities, unusual transactions, money laundering and/or actions that contravene applicable laws and regulations, Bank Danamon reserves the right to cancel the transaction, cancel the Customer’s participation in the Programme, or revoke the award of the reward to the Customer concerned. The Customer remains obliged to settle all outstanding obligations to Bank Danamon (if any).
6. The Customer agrees that funds placed in a savings account with a return exceeding the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation are not guaranteed by the Indonesia Deposit Insurance Corporation. Rewards received by the Customer are also taken into account as a component of the maximum guaranteed interest rate. The Customer may enquire about changes to the maximum guaranteed interest rate at any Bank Danamon branch or via Hello Danamon.
7. 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 and the deposit insurance interest rate provisions based on the regulations of the Indonesia Deposit Insurance Corporation.
8. 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 be wary of fraud perpetrated by individuals acting in the name of Bank Danamon who promise prizes of any kind. Any fraud or other criminal acts committed by other parties or third parties associated with, or acting in the name of, Bank Danamon or the Program are beyond the control of Bank Danamon.