Danamon Travel Fair

These General Terms and Conditions of the Danamon Travel Fair 2026 Balance Top-Up Presale Program (“General Terms and Conditions of the Program”) set out the terms and conditions applicable to Customers participating in the Danamon Travel Fair 2026 Balance Top-Up Presale Program (“Program”) organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).

Customers hereby agree to and are bound by all the provisions set out in the General Terms and Conditions of the Program as follows:

1. Program Period

   The Program is valid from 7 September 2026 to 21 September 2026 (“Program Period”).

2. Participant Criteria

   This Program is open only to Bank Danamon customers who meet the following criteria (“Customers”):

   1. Individuals;
   2. Danamon Privilege customers or customers in the Optimal segment at Bank Danamon;
   3. Hold a Danamon LEBIH PRO or Danamon LEBIH PRO iB savings account;
   4. Have activated D-Bank PRO; and
   5. Not an employee of Bank Danamon, its subsidiaries or affiliates.
3. Terms and Conditions of the Program
   1. Customers must read and understand the General Terms and Conditions of the Program.
   2. Bank Danamon reserves the right to refuse or cancel a customer’s participation in this Program if the customer fails to comply with the General Terms and Conditions of the Program.
   3. 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.
   4. Any Customer participating in this Program must first register by completing and signing the Program Participation Form.
   5. Customers must place a hold on funds and foreign exchange transactions via the Danamon LEBIH PRO/Danamon LEBIH PRO iB account enrolled in the Program, in the amounts specified in the following table:

      Fund Holding Amount	Tenor	Foreign Exchange Trading Amount (Minimum IDR)	Penalty Fee/Prize Replacement Fee (IDR)
      IDR 50,000,000.00	4 months	IDR 5,000,000.00	IDR 583,750.00
      IDR 100,000,000.00			IDR 1,233,750.00
      IDR 200,000,000.00			IDR 2,600,000.00
      IDR 500,000,000.00		IDR 50,000,000.00	IDR 6,662,500.00
      IDR 1,000,000,000.00			IDR 13,337,500.00

   6. Customers who have blocked funds and carried out transactions in accordance with the General Terms and Conditions of this Programme may receive a main prize in the form of a voucher for the purchase of products available at the Danamon Travel Fair, with a value of 70 per cent of the transaction amount, but not exceeding the amount specified under ‘Maximum Voucher Value’ as set out in the table below (“Grand Prize”):

      Amount of Funds Held	Maximum Voucher Value*) (IDR)	Quota**)
      IDR 50,000,000.00	IDR 800,000.00	30
      IDR 100,000,000.00	IDR 1,650,000.00	3
      IDR 200,000,000.00	IDR 3,350,000.00	3
      IDR 500,000,000.00	IDR 9,000,000.00	3
      IDR 1,000,000,000.00	IDR 19,000,000.00	1

      
      

      Note:
      *) The voucher reward that the Customer will receive is a 70% discount voucher on transactions made at the Danamon Travel Fair, but this shall not exceed the ‘Maximum Voucher Value’ stated above. If the value of the 70% discount on the transaction is less than the Maximum Voucher Value, the Customer will only receive the 70% discount value of the transaction.
      **) Availability of the quota will be confirmed by Bank Danamon staff before the Customer completes and signs the Program Participation Form. The Program offer is subject to the available quota. If the Grand Prize quota has been met, the Program cannot be offered to the Customer and registration will be closed by Bank Danamon.

   7. In addition to the Grand Prize, Customers also have the opportunity to take part in the Lucky Draw once, whilst quotas are available, to win prizes as listed in the table below (“Lucky Draw Additional Prizes”):

      Type of Additional Lucky Draw Prize	Quota (Per Danamon Travel Fair Event)
      20-inch Samsonite Suitcase	4
      American Tourister 20-inch Argyle Cabin Hard-shell Suitcase	2
      Foldable Shopping Bag	10
      Travel Organiser Pouch	10
      Travel Adapter	8
      Redmi Buds 6 Play	10
      Danamon Toiletries Pouch	8
      Folding Umbrella	2
      VIVAN 10,000 mAh Power Bank	1

   8. In addition to receiving the Grand Prize and Additional Lucky Draw Prizes, if a Customer holds a minimum amount of IDR 100,000,000.00 through a foreign exchange transaction of at least IDR 20,000,000.00, the customer will also be eligible for 1 (one) chance to enter the Money Changer Lucky Draw whilst quotas last, to win prizes as listed in the table below (“Cashback Prizes”):

      Type of Cashback Prize	Quota (Per Danamon Travel Fair Event)
      USD 30 Cashback	1
      USD 5 cashback	1
      EUR 8 cashback	1
      EUR 5 cashback	1
      SGD 10 cashback	1
      SGD 5 cashback	1
      500 JPY cashback	1
      JPY 1,000 cashback	1
      AUD 8 cashback	1
      AUD 5 cashback	1

   9. Funds included in this Program must be fresh funds, namely:
      1. Funds transferred to the Customer’s account at Bank Danamon from a bank account other than one held at Bank Danamon, no later than 7 (seven) calendar days prior to the account being held.
      2. This does not apply to cash deposits made via ATMs or at teller counters at Bank Danamon branches.
   10. For foreign exchange transactions conducted via D-Bank PRO or at a Bank Danamon branch, the blocking of funds and the signing of the Program Participation Form must be carried out on the same day.
   11. Bank Danamon will hold the Customer’s account in accordance with the Amount of Funds to be Held as stated in the Form.
   12. If a Participant cancels their participation in this Program, the Customer must visit the Bank Danamon branch where they registered for the Program and sign the Program Cancellation Form. Upon such cancellation, the Customer will be charged a Penalty Fee/Prize Replacement Fee in accordance with the Program’s General Terms and Conditions. The Penalty Fee/Prize Replacement Fee shall be paid by the Customer in a single installment by Bank Danamon debiting the Bank Danamon account held in the Customer’s name.
   13. Should the Customer cancel their participation in the Program, they will be charged a Penalty Fee/Prize Replacement Fee in accordance with the Penalty Fee/Prize Replacement Fee set out in the table in clause III.5.
   14. Each Customer may only participate in this Program once; multiple entries are not permitted.
   15. This program cannot be combined with other deposit programs and/or promotions.
   16. Funds held under this Program cannot be counted as deposits for other programs organised by Bank Danamon.
   17. Customers will continue to receive interest (conventional) or profit-sharing (Sharia) in accordance with the applicable terms and conditions.
   18. Customers who have participated in the Program in accordance with these General Terms and Conditions may refer other customers to participate in this Program (“Referrers”), subject to the following conditions:
       1. The Referrer and the referred Customer must participate in the Program with the same tier of held funds, amounting to at least IDR 500,000,000 (five hundred million rupiah), in accordance with point III.5 above.
       2. The Referrer may only refer 1 (one) Customer during the Program Period.
       3. Each Referrer and the Customer they refer are entitled to receive 1 (one) discount voucher, equivalent to the voucher’s face value, for the purchase of products sold at the Danamon Travel Fair event (“Additional Voucher Reward”), subject to the following reward amounts and Referrer quotas:

          Held Funds Amount	Additional Reward Amount	Program Referrer Quota (Per Danamon Travel Fair Event)
          IDR 500,000,000	IDR 500,000	3
          IDR 1,000,000,000	IDR 1,000,000	1

4. Terms and Conditions for the Awarding of Prizes
   1. The Grand Prize, Lucky Draw Additional Prizes, Cashback Prizes and/or Voucher Additional Prizes (“Prizes”) will be awarded by the Bank after the Bank has verified and validated that the Customer/Referrer and the referred Customer have fulfilled the participation requirements, in accordance with the terms and conditions of the Program.
   2. Prizes will be collected by the Customer at the Danamon Travel Fair event held in Samarinda (“Danamon Travel Fair Event”) with the following details:

      Address	Date	Travel Agent
      FUGO Hotel Samarinda Jl. Untung Suropati No. 8, Karang Asam Ulu, Sungai Kunjang District, Samarinda City, East Kalimantan 75243	25–27 September 2026	Antavaya, Dwidaya

   3. Prizes cannot be exchanged for cash under any circumstances, cannot be transferred by the Customer to any other person, and are not cumulative.
   4. The Bank reserves the right to refuse to award the Prize if:
      1. The Customer/Referrer and/or the referred Customer do not meet the Program’s terms and conditions;
      2. There are indications of misuse of the Program or non-compliance with the applicable terms and conditions.
   5. Specifically, the following terms apply to the Grand Prize and Additional Voucher Prizes:
      1. Bank Danamon will only award the Grand Prize and Additional Voucher Prizes at the Danamon Travel Fair event.
      2. The Grand Prize and Additional Voucher Prizes may only be used for purchases of products at the Danamon Travel Fair on the same day as the respective prizes are received.
      3. Product purchases must be made using a Danamon Debit/ATM Card or Credit Card at the Danamon Travel Fair.
      4. Both the Grand Prize and the Additional Voucher Prize are valid for a single purchase invoice only; they cannot be combined across multiple invoices, cannot be split between bills, and cannot be used more than once.
      5. The Customer understands and agrees that rewards in the form of vouchers will be treated as part of the interest received by the Customer on their deposit. Therefore, if the value of the voucher exceeds the maximum guaranteed interest rate set by the Deposit Protection Agency for savings accounts, the excess amount will not be guaranteed by the Deposit Protection Agency. Customers may enquire about changes to the maximum guaranteed interest rate at any Bank Danamon branch, via Hello Danamon on 1-500-900, or by emailing hellodanamon@danamon.co.id.
   6. The following terms and conditions apply to the Lucky Draw Bonus Prize:
      1. If the quota for the Lucky Draw Additional Prizes has been exhausted, customers will not receive a Lucky Draw Additional Prize.
      2. The Lucky Draw Bonus Prize will be received directly by the customer during the Danamon Travel Fair event.
   7. The Cashback Prize is subject to the following terms and conditions:
      1. If the Cashback Prize quota has been exhausted, the Customer will not receive a Cashback Prize.
      2. The Cashback Prize will be credited to the customer’s Danamon LEBIH PRO account registered for this Programme no later than 30 (thirty) calendar days from the end date of the Program period.
   8. If the account to be credited is a Joint Account (AND/OR), the Customer hereby agrees and authorises one of the account holders to receive the Program reward.
   9. Bank Danamon applies the applicable tax regulations to this Program. Any tax liabilities arising from the Program (if any) are the responsibility of Bank Danamon and the Customer respectively towards the tax authorities.
   10. All types of Prizes already received by the Customer are non-returnable.
   11. Bank Danamon does not act as a guarantor for the Prizes obtained by the Customer under this Program; therefore, any complaints regarding the quality of the Prizes must be addressed directly to the manufacturer of the Prize.
5. POWER OF ATTORNEY
   1. The Customer hereby authorises Bank Danamon to: (i) freeze and unfreeze funds in accordance with the Program Participation Form and the General Terms and Conditions of the Program; and/or (ii) debit the Customer’s account with Bank Danamon to pay Penalty Fees or Prize Replacement Fees should the Customer cancel their participation in the Program in accordance with the Cancellation Form or fail to block the remaining funds 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 attorney; upon notification of termination by the attorney; upon the death, guardianship or bankruptcy of the principal or the attorney), 1814 (the principal may revoke the power of attorney whenever he or she so wishes, and, if there are grounds for doing so, may compel the agent to return the authority held by him) and 1816 (the appointment of a new agent to handle 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 these powers of attorney form an integral part of the General Terms and Conditions of this Program.
6. PROGRAM RISKS
   1. If the Customer fails to comply with the General Terms and Conditions of the Program, including, but not limited to, failing to block funds and/or foreign exchange transactions via, they will not receive the Reward.
   2. If the quota for rewards/vouchers has been exhausted, the Customer will not receive any rewards/vouchers.
7. PROGRAM SIMULATION

   Customer	Date of Funds Holding	Amount of Funds Held and Foreign Exchange Transactions	Referring friends/family/other people to join the Program	Invoice for Booking of Products/Services from a Travel Agent at the Danamon Travel Fair*	Voucher Reward	Additional Voucher Reward	Total Payment by Customer
   A	7 September 2026	IDR 100,000,000 (held) IDR 5,000,000 (FX)	-	Tour package around Australia for 2 people IDR 46,900,000	IDR 1,650,000	-	IDR 45,250,000
   B	10 September 2026	IDR 500,000,000 (held) IDR50,000,000 (FX)	-	Asia Cruise Package for 2 people IDR 12,900,000	IDR 9,000,000	-	IDR 3,900,000
   C	30 September 2026	IDR 200,000,000 (held) IDR 5,000,000 (FX)	-	Economy class flights to Singapore for 2 people IDR 4,000,000	N/A	-	N/A
   D	21 September 2026	IDR 1,000,000,000 (held) IDR 50,000,000 (FX)	Yes, with a hold amount of IDR 1,000,000,000 and a foreign exchange transaction of IDR 50,000,000	Japan tour package for 1 person: IDR 27,200,000	IDR 19,000,000	IDR 1,000,000	IDR 7,200,000

   
   

   *The invoice price is for illustrative purposes only (not a reference price/not the actual price)

   Scenario Explanation:

   • Customers A and B receive rewards based on their transaction amounts in the form of a 70 per cent (seventy per cent) Travel Fair discount voucher, with a value not exceeding the Maximum Voucher Value, and are each given one (1) chance to enter the lucky draw.
   • Customer C does not receive a reward as the booking date falls outside the program period.
   • Customer D receives a reward based on their transaction amount in the form of a 70 per cent (seventy per cent) Travel Fair discount voucher, is given one chance to enter the lucky draw, and receives an Additional Voucher Prize for referring friends, family or other people to join the Program.
8. Customer Complaints
   1. Customers 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 via email at hellodanamon@danamon.co.id.
   2. Procedures regarding the complaints service can be accessed via the website www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
9. Other Terms and Conditions
   1. Products and/or services provided by the travel agencies Antavaya and Dwidaya, as well as the relevant airlines, are not the products or responsibility of Bank Danamon; therefore, is entirely the responsibility of the travel agencies Antavaya and Dwidaya and the relevant airlines. Should you encounter any issues and/or have any complaints regarding these products and/or services, please contact the relevant travel agencies (Antavaya, Dwidaya) and airlines.
   2. These General Terms and Conditions form an integral and inseparable part of the “General Terms and Conditions for Accounts and Banking Services” or the “General Terms and Conditions for Sharia Accounts and Banking Services”, the “General Terms and Conditions for D-Bank PRO”, “General Terms and Conditions of the Danamon LEBIH PRO Savings Account”, “General Terms and Conditions of the Danamon LEBIH PRO iB Savings Account”, and other terms and conditions relating to banking products and/or services. In the event of any discrepancy or conflict between these provisions and the General Terms and Conditions of the Programme, the General Terms and Conditions of the Program shall prevail.
   3. 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 set out in 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 Bank Danamon’s 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 their obligations to Bank Danamon (if any).
   4. 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.
   5. The process of verifying and approving the opening of banking products and/or services is entirely at the discretion of Bank Danamon.
   6. The Customer declares that they are not currently, and will not in future, carry out any transactions that are indicative of money laundering offences and/or other transactions that are prohibited under the applicable laws and regulations in Indonesia.
   7. Should there be any indication of fraud, deception, irregular transactions, unusual transactions, money laundering and/or actions that contravene applicable laws and regulations, Bank Danamon reserves the right to cancel the transaction, terminate participation in the Program, or withhold Program benefits from the Customer concerned. The Customer remains obliged to settle all outstanding obligations to Bank Danamon (if any).
   8. 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.
   9. Should any irregularities relating to this Program be identified, or should you suspect that fraud has taken place, customers are advised to report this immediately via Hello Danamon.
   10. The Terms and Conditions of this Program are drawn up in Indonesian and English. In the event of any discrepancy in the provisions or interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
   11. The headings and terms used in these General Terms and Conditions are intended solely to facilitate understanding of the content of these General Terms and Conditions.
   12. These General Terms and Conditions have been aligned with applicable laws and regulations, including the regulations of the Financial Services Authority.
   13. Bank Danamon is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a member of the Indonesia Deposit Insurance Corporation.

WARNING
Customers must be wary of fraud committed by individuals acting in the name of Bank Danamon by promising 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.