Danamon Travel Fair

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

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

1. Program Period

   The Program is valid from 25 September 2026 to 27 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. Customers in the Danamon Privilege or Optimal segments at Bank Danamon;
   3. Hold a Danamon LEBIH PRO or Danamon LEBIH PRO iB savings account;
   4. Have activated D-Bank PRO; and
   5. Are not employees 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 does not 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 may participate in the Program at the Danamon Travel Fair event held in the city of Samarinda (“Danamon Travel Fair Event”) with the following details:

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

   6. Customers are required to place a hold on funds and foreign exchange transactions via their Danamon LEBIH PRO/Danamon LEBIH PRO iB accounts enrolled in the Program, in the amounts specified in the table below:

      Fund Hold Amount	Tenor	Foreign Exchange Trading Amount (Minimum IDR)	Penalty Fee/Prize Replacement Fee (IDR)
      IDR 50,000,000	4 months	IDR 5,000,000.00	IDR 833,750
      IDR 100,000,000			IDR 1,700,000
      IDR 200,000,000			IDR 4,166,250
      IDR 500,000,000		IDR 50,000,000.00	IDR 9,337,500
      IDR 1,000,000,000			IDR 19,162,500
      IDR 2,000,000,000			IDR 38,337,500
      USD 25,000			IDR 1,200,000
      USD 50,000			IDR 1,200,000
      USD 100,000			IDR 3,000,000

   7. Customers who have held funds and carried out transactions in accordance with the General Terms and Conditions of this Program may receive a grand prize in the form of a discount 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*) (IDR)	Quota**)
      IDR 50,000,000	IDR 800,000	The total combined quota across all holding tiers for the Presale and On-the-Spot periods is 100 customers. Specifically, the IDR 500,000,000, IDR 1,000,000,000 and IDR 2,000,000,000 tiers combined have a quota of 30 customers.
      IDR 100,000,000	IDR 1,650,000
      IDR 200,000,000	IDR 3,350,000
      IDR 500,000,000	IDR 9,000,000
      IDR 1,000,000,000	IDR 19,000,000
      IDR 2,000,000,000	IDR 39,000,000
      USD 25,000	IDR 3,960,000
      USD 50,000	IDR 6,960,000
      USD 100,000	IDR 14,400,000

      Note:

      *) The voucher reward that customers 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 on 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 availability of the quota. Customer participation and the awarding of Prizes are based on the chronological order in which all Program requirements are met, as recorded in Bank Danamon’s systems and/or records. If the quota for the Grand Prize has been met, the Program can no longer be offered to Customers and registration for the Program will be closed by Bank Danamon.

   8. In addition to the Grand Prize, Customers may also receive one (1) opportunity to enter the Lucky Draw whilst quotas remain available, to win the prizes 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
      Xiaomi Redmi Buds 6 Lite	5
      Redmi Buds 6 Play	10
      Danamon Toiletries Pouch	8
      Folding Umbrella	2
      VIVAN 10,000 mAh Powerbank	1

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

      Type of Cashback Reward	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

   10. 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.
   11. Privilege Customers participating in the Fund Placement Scheme (IDR currency) may also hold funds at the Danamon Travel Fair as set out in point III.7, subject to the following additional conditions:
       1. If the deposit and holding of funds are not carried out simultaneously, the Customer must:
          1. place and hold an initial amount of at least IDR 100,000,000 at the Danamon Travel Fair during the Program Period; and
          2. complete the deposit and holding of all remaining funds in accordance with the selected tier through a Bank Danamon branch no later than 9 October 2026;
          3. All funds deposited and held, including the initial funds and the remaining funds, must comply with the fresh funds requirements as set out in point III.10.
       2. Foreign exchange transactions with a minimum transaction value of IDR 50,000,000 (fifty million rupiah) via a Danamon LEBIH PRO/Danamon LEBIH PRO iB account must be carried out on the day the Customer places and blocks the initial funds.
       3. If the Customer fails to deposit and hold the remaining funds in accordance with the selected tier by 9 October 2026, the Customer shall be obliged to pay the Penalty Fee/Prize Replacement Fee as set out in the table in clause III.6.
   12. Foreign exchange transactions carried out via D-Bank PRO or at a Bank Danamon branch, the holding of funds, and the signing of the Program Participation Form must be completed on the same day, subject to the following additional conditions:
       1. In the case of Customers making funds deposits in installments, foreign exchange transactions must be carried out on the same day as the date of the funds deposit (down payment).
       2. Where a Customer holds funds on a Friday after 14:00 WIB or on a Saturday or Sunday, foreign exchange transactions may be carried out no later than 1 (one) Business Day following the date of the fund hold.
       3. If a Customer has reached the maximum monthly limit for foreign exchange transactions and is therefore unable to meet the foreign exchange transaction requirements under the Program, these requirements may be met through additional transactions in the form of the purchase of Mutual Funds with a minimum fee of 1 per cent, Structured Linked Investments (SLI) with a minimum fee of 0.6 per cent, Bancassurance, or Bonds.
   13. Bank Danamon will hold the Customer’s account in accordance with the Amount of Funds to be Held as stated in the Form.
   14. Should a Participant withdraw from 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 instalment by Bank Danamon debiting the Bank Danamon account held in the Customer’s name.
   15. 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.6.
   16. Each Customer may only participate in this Program once; participation is not cumulative.
   17. This Program cannot be combined with other deposit Programs and/or promotions.
   18. Funds placed under this Program cannot be counted as deposits for other Programs organised by Bank Danamon.
   19. Customers will continue to receive interest (conventional) or profit-sharing (Sharia) in accordance with the applicable terms and conditions.
   20. Customers who have joined the Program in accordance with the General Terms and Conditions of this Program may refer other customers to join 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.7 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:

          Amount of Funds Held	Amount of Additional Reward	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
          IDR 2,000,000,000	IDR 2,000,000	1

4. Terms and Conditions for the Awarding of Prizes
   1. The Grand Prize, Lucky Draw Additional Prizes, Cashback Rewards 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 cannot be redeemed for cash under any circumstances, cannot be transferred by the Customer to any other party, and are not cumulative.
   3. The Bank reserves the right to refuse to award Prizes if:
      1. the Customer/Referrer and/or the referred Customer do not meet the Program’s requirements;
      2. There are indications of misuse of the Program or non-compliance with the applicable terms and conditions.
   4. 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. Customers understand and agree that prizes in the form of vouchers will be treated as interest received by the customer on their deposited funds. Therefore, if the value of the voucher exceeds the maximum guaranteed interest rate set by the Deposit Insurance Corporation for savings accounts, the excess amount is not guaranteed by the Deposit Insurance Corporation. Customers may enquire about changes to the maximum guaranteed interest rate at any Bank Danamon branch or via Hello Danamon on 1-500-900 or by emailing hellodanamon@danamon.co.id.
   5. 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.
   6. The Cashback Reward is subject to the following terms and conditions:
      1. If the Cashback Reward quota has been exhausted, the Customer will not receive a Cashback Reward.
      2. The Cashback Reward will be credited to the customer’s Danamon LEBIH PRO account registered for this Program no later than 30 (thirty) calendar days from the end date of the Program period.
   7. 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.
   8. 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.
   9. All types of Prizes already received by the Customer are non-returnable.
   10. 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) to debit the Customer’s account with Bank Danamon to pay the Penalty Fee/Prize Replacement Fee should the Customer cancel the Program in accordance with the Cancellation Form or fail to freeze 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, incapacity 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 carry out foreign exchange transactions, 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	25 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	25 September 2026	IDR 500,000,000 (held) IDR 50,000,000 (FX)	-	Asia Cruise Package for 2 people IDR 12,900,000	IDR 9,000,000	-	IDR 3,900,000
   C	25 September 2026 and 9 October 2026 (Partial Fund Allocation)	25 September 2026: IDR 100,000,000 (held) IDR 50,000,000 (FX) 9 October 2026: IDR 400,000,000 (held)	-	Economy class air tickets to Japan for 2 people IDR 20,000,000	IDR 9,000,000	-	IDR 11,000,000
   D	27 September 2026 (USD Scheme Fund Allocation)	USD 25,000 (held) IDR 50,000,000 (FX)	-	Business class flight ticket to Kuala Lumpur for 1 person: IDR 5,700,000	IDR 3,960,000	-	IDR 1,740,000
   E	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
   F	27 September 2026	IDR 1,000,000,000 (held) IDR 50,000,000 (FX)	Yes, with a held 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, B, C and D 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 1 (one) chance to enter the lucky draw.
   • Customer E does not receive a reward as the booking date falls outside the Program period.
   • Customer F receives a reward based on their transaction amount in the form of a 70 per cent (seventy per cent) Travel Fair discount voucher from , is given one chance to enter the lucky draw, and receives an additional voucher reward for referring friends, family or others 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 https://www.danamon.co.id/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; they are therefore 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 Program, 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 the provision of Program benefits to 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 discovered, or should any suspected fraud occur, Customers are advised to report this immediately via Hello Danamon.
   10. 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.
   11. The titles 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 of the Program have been aligned with the provisions of applicable laws and regulations, including those 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.

These General Terms and Conditions of the Danamon Travel Fair 2026 Balance Top-Up Program For Hajj & Umroh Travel (“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 Program For Hajj & Umroh Travel (“Program”) organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”) in collaboration with Bank Danamon’s partner tour and travel agencies.

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

1. Program Period

   The program runs from 25 – 27 September 2026 (“Program Period”).

2. Participants Criteria

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

   1. are registered as Danamon Privilege customers or Optimal segment customers at Bank Danamon;
   2. hold a Danamon LEBIH PRO iB savings account;
   3. hold and be registered on the latest version of the D-Bank PRO app; and
   4. not be registered as an employee of Bank Danamon, its subsidiaries and/or affiliates at the time of joining the Program.
3. Program Terms and Conditions
   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 the Customer’s participation in and/or cancellation of participation in this Program.
   4. Bank Danamon is collaborating with PT. Arrehlah Wisata (“Partners”) in organising this Program.
   5. Specifically, certain Customers selected and invited by Bank Danamon via Bank Danamon’s official communication channels, such as email, the Danamon Corporate Website, e-flyers, etc. (“Invited Customers”), may participate in the Program on:

      Kota	Tanggal Pelaksanaan
      Samarinda	25 - 27 September 2026

   6. In addition to Invited Customers, Customers may take part in the Program at the Danamon Travel Fair, which will be held from 25-27 September 2026 in the following cities  (“Danamon Travel Fair”):

      Tanggal Pelaksanaan	Kota	Venue	Travel Agent
      25-27 September 2026	Samarinda	FUGO Hotel Samarinda	PT. Arrehlah Wisata

   7. All customers wishing to participate in this Program must first register by completing and signing the Program Participation Form.
   8. Customers must place a hold on funds and foreign exchange transactions via the Danamon LEBIH PRO iB account enrolled in the Program, in accordance with the amounts set out in the following table:

      Segment	Hold of Funds (IDR)	Tenor	Minimum FX Transaction (IDR)
      Optimal	50,000,000	4 Months	5,000,000
      	100,000,000		5,000,000
      	200,000,000		5,000,000
      Privilege	500,000,000	4 Months	50,000,000
      	1,000,000,000		50,000,000
      	2,000,000,000		50,000,000

   9. Customers who have held funds and transactions in accordance with the General Terms and Conditions of this Programme may receive a reward in the form of a voucher travel discount at the Danamon Travel Fair “Total Reward” as set out in the table below (“Grand Prize”):

      Segment	Hold of Funds (IDR)	Tenor	Minimum FX Transaction (IDR)	Reward Program (IDR)	Additional Rewards during the Travel Fair (IDR)	Total Reward (IDR)*)	Program Cancellation Administration Fee (IDR)	Kuota**)
      Optimal	50,000,000	4 Months	5,000,000	667,000	133,000	800,000	1,000,000	The total combined quota for all holding tiers is 10, broken down as follows: The IDR 50,000,000, IDR 100,000,000 and IDR 200,000,000 tiers have a combined quota of 5, and the tiers of IDR 500,000,000,000, IDR1,000,000,000 and IDR 2,000,000,000 have a combined quota of 5
      	100,000,000		5,000,000	1,360,000	290,000	1,650,000	2,062,500
      	200,000,000		5,000,000	2,773,000	577,000	3,350,000	4,187,500
      Privilege	500,000,000	4 Months	50,000,000	7,470,000	1,530,000	9,000,000	11,250,000
      	1,000,000,000		50,000,000	15,330,000	3,670,000	19,000,000	23,750,000
      	2,000,000,000		50,000,000	30,670,000	8,330,000	39,000,000	48,750,000

   10. In addition to the grand prize, customers also have the chance to win an additional prize in the form of 1 (one) opportunity to take part in the Lucky Draw whilst places are still available (“Additional Lucky Draw Prize”), subject to the following terms and conditions:

       Jenis Hadiah Tambahan Lucky Draw	Kuota
       Koper Samsonite Upscape Spinner 55/20 Exp Easy Access	1
       Koper Kamilian by American Tourister	1
       Duffle Bag Coastico by Eiger	1
       Slingbag Animo by Torch	2
       Tumblr (Lock n Lock)	2
       Juicer 2 in 1 Ecentio	3
       Total	10

   11. Funds deposited and held by Customers in Danamon LEBIH PRO iB savings accounts participating in the Programme must be fresh funds, namely: (i) funds deposited in cash into the account via a Bank Danamon branch; or (ii) funds transferred into the account from another bank account.
   12. For foreign exchange transactions carried out via D-Bank PRO or at a Bank Danamon branch, the holding of funds and the signing of the Mandatory Program Participation Form must be completed on the same day.
   13. Specifically, Privilege Customers participating in the Fund Placement Scheme (in Indonesian Rupiah/IDR) may also have their funds held at the Danamon Travel Fair event at a Bank Danamon branch, as per point 7 (seven) above:
       1. If the deposit and holding of funds are not carried out at the same time, the Customer must first deposit and hold an initial amount of IDR 100,000,000 (one hundred million rupiah) at the Danamon Travel Fair, with the remainder to be deposited at a Bank Danamon branch no later than 2 (two) weeks after the Danamon Travel Fair.
       2. Foreign exchange transactions with a minimum transaction value of IDR 50,000,000 (fifty million rupiah) must be carried out on the day the Customer deposits and holds the initial funds.
       3. If the Customer fails to deposit and hold the remaining funds within a maximum of 2 (two) weeks after the Danamon Travel Fair, the Customer will be charged a Prize Replacement Fee equivalent to the prize amount plus tax.
   14. Bank Danamon will hold the Customer’s account in accordance with the Amount of Funds to be Blocked as stated in the Form.
   15. 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 Prize Replacement Fee in accordance with the Program’s General Terms and Conditions. The Prize Replacement Fee shall be paid by the Customer in a single installment, whereby Bank Danamon will debit the Bank Danamon account held in the Customer’s name.
   16. Should the Customer cancel their participation in the Program, they will be charged a Prize Replacement Fee equivalent to the value of the prize received plus a 20 per cent (twenty per cent) tax on the prize.
   17. This Program may only be joined once by each Customer and is not valid for multiple entries.
   18. This Program cannot be combined with other deposit programs and/or promotions.
   19. Funds blocked under this Program cannot be counted as deposits for other programs organised by Bank Danamon.
   20. Customers will continue to receive profit-sharing in accordance with the applicable terms and conditions.
4. Prize Awarding Terms and Conditions
   1. The Lucky Draw Grand Prize and Additional Prizes (“Prizes”) will be awarded by the Bank once the Bank has verified and validated that the Customer has met the eligibility criteria in accordance with the Program’s Terms and Conditions.
   2. Prizes cannot be redeemed for cash under any circumstances, cannot be transferred by the Customer to any other person, and are not cumulative.
   3. The Bank reserves the right to refuse to award a Prize if:
      1. The customer does not meet the Program Terms and Conditions,
      2. there are indications of misuse of the program or non-compliance with the applicable terms and conditions.
   4. The following terms and conditions apply specifically to the Grand Prize:
      1. Bank Danamon will only award the Grand Prize at the Danamon Travel Fair at the prize redemption booth.
      2. The Grand Prize may only be used at Partner booths for product purchases at the Danamon Travel Fair on the same day as the Grand Prize is received.
      3. Product purchases must be made using a Bank Danamon Debit Card or QRIS at the Travel Fair.
      4. The Grand Prize is valid for only one invoice for a product purchase transaction; it cannot be combined with multiple invoices, cannot be split between bills, and cannot be used more than 1 (one) time. The Customer understands and agrees that the Grand Prize, in the form of a voucher, will be taken into account as part of the profit-sharing amount received by the Customer on their deposit. Consequently, if the value of the voucher exceeds the maximum profit-sharing/ratio guaranteed by the Indonesia Deposit Insurance Corporation for Savings Accounts, the excess portion is not guaranteed by the Indonesia Deposit Insurance Corporation. Customers may enquire about changes to the maximum profit-sharing ratio at any Bank Danamon branch, via Hello Danamon on 1-500-090, or by emailing hellodanamon@danamon.co.id.
   5. The following terms and conditions apply to the Lucky Draw prizes:
      1. If the Lucky Draw prize allocation has been exhausted, the customer will not receive a Lucky Draw prize.
      2. Lucky Draw prizes will be presented to customers directly during the Danamon Travel Fair.
   6. Bank Danamon applies the relevant 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.
5. Power Of Attorney
   1. The Customer hereby authorises Bank Danamon to:
      (i) to freeze and unfreeze funds in accordance with the Program Participation Form and the General Terms and Conditions of the Program; and/or (ii) to debit the Customer’s account with Bank Danamon to cover the Prize Replacement Fee should the Customer cancel their participation in the Program in accordance with the Cancellation Form or fail to freeze the remaining funds in accordance with the General Terms and Conditions of the Program.
   2. The power of attorney granted by the Customer in these General Terms and Conditions of the Program is 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-in-fact; upon notification of termination by the attorney-in-fact; upon the death, incapacity or bankruptcy of the principal or the attorney-in-fact), 1814 (the principal may revoke the power of attorney whenever they so wish, 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 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 these powers of attorney form an integral part of the General Terms and Conditions of this Program.
6. Program Risks
   1. Customers who do not meet the Program’s General Terms and Conditions – including, for example, failing to place a hold on funds and/or foreign exchange transactions – will not receive a Prize.
   2. The voucher prize allocation has been exhausted, so customers cannot participate in the Program.
   3. The Lucky Draw prizes have been exhausted, so customers will not receive a Lucky Draw prize.
7. Program Simulation

   Customer	Type of Customer	Funds Holding Date	Funds Holding and Forex Transaction Amounts	Invoice for Travel Agent Product/Service Bookings at the Danamon Travel Fair*	Voucher Prize	Total Payment by Customer
   A	Invited Customer	25 September 2026	IDR 500,000,000 (hold) IDR 50,000,000 (FX)	Umrah package for 2 people: IDR 80,000,000	IDR 9,000,000	IDR 71,000,000
   B	Danamon Travel Fair Event Customer	25 September 2026	25 September 2026: IDR 100,000,000 (hold) IDR 50,000,000 (FX) 8 October 2026: IDR 400,000,000 (hold)	Umrah package for 2 people IDR 80,000,000	IDR 9,000,000	IDR 71,000,000
   C	Danamon Travel Fair Event Customer	25 September 2026	IDR 100,000,000 (hold) IDR 5,000,000 (FX)	Umrah package for 2 people IDR 80,000,000	IDR 1,650,000	IDR 78,350,000
   D	Danamon Travel Fair Event Customer	17 Oktober 2026	IDR 200,000,000 (hold) IDR 5,000,000 (FX)	Umrah package for 2 people IDR 80,000,000	NA	NA

   *The price shown on the invoice is for illustrative purposes only (it is not a reference price or the actual price)

   
   

   Scenario Explanation:

   • Customers A, B and C received voucher prizes based on their transaction amounts and were each given one chance to enter the lucky draw.
   • Customer D did not receive a prize as the date of the deposit fell outside the program period.
8. Customers 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 by email at hellodanamon@danamon.co.id.
   2. The procedure for the complaints service can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
9. Other Terms and Conditions
   1. The Partner’s products and/or services are not the products of, nor are they the responsibility of, Bank Danamon; they are therefore entirely the responsibility of the Partner. Should any issues and/or complaints arise in relation to such products and/or services, Customers may contact the Partner issuing the product directly.
   2. The General Terms and Conditions of this Program form an integral and inseparable part of the “General Terms and Conditions for Sharia Banking Accounts and Services”, the “General Terms and Conditions for Danamon LEBIH PRO iB Savings”, the “General Terms and Conditions for D-Bank PRO”, and 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.
   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 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 their obligations to Bank Danamon (if any).
   4. The process of verifying and approving the opening of banking products and/or services is entirely at the discretion of Bank Danamon.
   5. 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 prohibited under the laws and regulations in force in Indonesia.
   6. Should there be any indication of fraud, misconduct, irregular transactions, unusual transactions, money laundering and/or actions that do not comply with applicable laws and regulations, Bank Danamon reserves the right to cancel transactions, 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).
   7. The Customer understands that, for certain changes in accordance with the provisions of applicable laws and regulations, the notice period for such changes may be waived.
   8. The Customer agrees that funds deposited 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. Any rewards received by the Customer are also taken into account as part 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.
   9. 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.
   10. Should any irregularities relating to this Program be discovered, or should any suspected fraud occur, Customers are advised to report this immediately via Hello Danamon.
   11. These Program Terms and Conditions are drafted in the Indonesian language. In the event of any conflict or discrepancy in the provisions or interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
   12. The headings and terms used in these General Terms and Conditions of the Program are intended solely to facilitate understanding of the content of these General Terms and Conditions of the Program.
   13. These General Terms and Conditions of the Program have been aligned with the provisions of applicable laws and regulations, including those of the Financial Services Authority.
   14. Bank Danamon is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a participant in the Indonesia Deposit Insurance Corporation.

WARNING

Customers are advised to be wary of fraud perpetrated by individuals acting on behalf of Bank Danamon who promise prizes of any kind. Any fraud or other criminal acts committed by third parties in connection with, or on behalf of, Bank Danamon or the Program are beyond the control of Bank Danamon.

General Terms and Conditions of the Save up to IDR 7,000,000 Program (seven million rupiah) (“General Terms and Conditions of the Program”) set out the terms and conditions applicable to customers of PT Bank Danamon Indonesia Tbk (“Bank”) who hold and make transactions using a Card (“Cardholders”) participating in the Save Up to IDR 7,000,000 (seven million rupiah) for Transactions at the Travel Fair (“Program”) organised by the Bank in collaboration with merchant partners AntaVaya and Dwidayatour (“Travel Agents”).

The Cardholder hereby agrees to and is bound by all the provisions set out in the General Terms and Conditions of the Program as follows:

1. Program Period

   The program runs from 25 September 2026 to 27 September 2026 (“Program Period”).

2. Participants Criteria

   The program applies to Cardholders as follows: i) the Danamon Global Currency Card (Danamon Lebih Pro Debit Card) with BIN 541143; ii) Bank Danamon credit cards bearing the Visa, Mastercard and JCB logos; and iii) Danamon American Express credit and charge cards, excluding corporate cards (“Cards”).

3. Program Terms and Conditions
   1. Cardholders must read and understand the General Terms and Conditions of the Program.
   2. The Bank reserves the right to refuse or cancel a Cardholder’s participation in this Program if the Cardholder fails to comply with the General Terms and Conditions of the Program.
   3. Cardholders are fully responsible for any risks of loss, claims, lawsuits and/or claims arising from their participation in and/or cancellation of their participation in this Program.
   4. The Program is valid as follows:
      1. Saving Program
         1. The program operates under the following scheme:

            City	Card Type	Merchant	Program Scheme
            			Discount (IDR)	Min. Trx (IDR)	Total Quota
            Samarinda	Credit Card Visa, Mastercard, JCB	AntaVaya and Dwidayatour	370,000	10,000,000	6
            			970,000	25,000,000	6
            			2,700,000	60,000,000	6
            			7,000,000	125,000,000	6
            		Total Visa, Mastercard and JCB			24
            	Credit and Charge Card American Express	AntaVaya and Dwidayatour	370,000	10,000,000	2
            			970,000	25,000,000	2
            			2,700,000	60,000,000	2
            			7,000,000	125,000,000	2
            		Total American Express			8
            	Total ALL Credit and Charge Card				32
            	Global Currency Card (Debit DL Pro)	AntaVaya and Dwidayatour	370,000	10,000,000	12
            			970,000	25,000,000	15
            			2,700,000	60,000,000	10
            		Total Debit DL Pro			37

         2. The program is valid for All Cardholders who have and haven’t enrolled in the funds allocation program (Save up to 70%).
         3. The program is valid for 1 (one) transaction per 1 (one) Card number per day.
         4. The benefits provided under the program are non-refundable and cannot be exchanged for cash.
         5. The program cannot be combined with other offers.
         6. The program applies to both primary and supplementary cards.
         7. Cardholders acknowledge and agree that if the quota as set out in the table above has been exhausted, they will not receive the program benefits even if the program period has not yet ended.
   5. By carrying out transactions in accordance with the General Terms and Conditions of the Program, the Cardholder is deemed to have read, understood and agreed to participate in the Program and to be bound by the General Terms and Conditions of the Program. Any transactions carried out by the Cardholder shall constitute valid evidence of the Cardholder’s participation in the Program and of the Cardholder’s agreement to be bound by the General Terms and Conditions of the Program.
4. Cardholders Complaints
   1. Cardholders and/or their representatives may lodge a complaint 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 regarding the complaints service can be accessed via the Bank’s official website at the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
5. Other Terms and Conditions
   1. These General Terms and Conditions form an integral and inseparable part of the “General Terms and Conditions of Danamon Credit Card Membership”, the “General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership” and 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. Products, services and/or benefits provided by merchant partners are the responsibility of the merchant partners and do not constitute products or responsibilities of the Bank. Should there be any issues and/or complaints regarding such products, services and/or benefits, please contact the relevant merchant partner.
   3. The Cardholder hereby agrees and acknowledges that the Bank reserves the right 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 changes to the benefits, risks, costs, terms and conditions under these General Terms and Conditions of the Program, as well as any other changes, the Cardholder 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 Cardholder agrees that the Cardholder shall be deemed to have consented to such changes should the Cardholder fail to raise an objection within the aforementioned period. Should the Cardholder not consent to such changes, the Cardholder is entitled to cancel their participation in the Program, provided that the Cardholder first settles all outstanding obligations to Bank Danamon (if any).
   4. The Cardholder 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 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 contravene 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 revoke the provision of Program benefits to the Cardholder concerned. The Cardholder remains obliged to settle all outstanding obligations to the Bank (if any).
   6. 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.
   7. Should any irregularities relating to this Program be discovered, or should any suspected fraud occur, the Cardholder is 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 these General Terms and Conditions of the Programme are intended solely to facilitate understanding of the content of these General Terms and Conditions of the Program.
   10. These General Terms and Conditions of the 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 member of the Indonesia Deposit Insurance Corporation.

Cardholders must be wary of fraud perpetrated by individuals acting on behalf of the Bank who promise prizes of any kind. The Bank accepts no liability 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.

These General Terms and Conditions of the 2026 Danamon Mini Travel Fair 0% Installments Program (“General Terms and Conditions of the Program”) set out the terms and conditions applicable to Cardholders participating in the 2026 Danamon Mini Travel Fair 0% Installments Event Program (“Program”) organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”) in collaboration with the merchant partners involved in the Danamon 2026 Mini Travel Fair 0% Installments Event.

1. Program Period

   This program runs from 25 September 2026 to 9 December 2026 (“Program Period”)

2. Participants Criteria

   This program is open only to Bank Danamon customers who meet the following criteria

   1. Active Bank Danamon credit and charge cardholders who are not in arrears and whose cards have not been blocked during the Program Period.
   2. Customers who make transactions with participating merchants whilst the Travel Fair is taking place.
   3. Customers who make transactions as set out in the General Terms and Conditions of the Program.

   Hereinafter referred to as (“Cardholders”).

3. Terms and Conditions of the Program
   1. The program is open to Cardholders who hold and make transactions using the following types of card: Bank Danamon Credit Cards and Charge Cards bearing the Visa, Mastercard, JCB or American Express logos, but excluding corporate cards (“Cards”).
   2. Participation in the program is only permitted on the dates and at the venues of the Danamon 2026 Mini Travel Fair, as set out in the following table:

      Event Date	City	Venue and Address
      25 September – 27 September 2026	Samarinda	FUGO Hotel Samarinda Jl. Untung Suropati No.8, Karang Asam Ulu, Kec. Sungai Kunjang, Kota Samarinda, Kalimantan Timur, 75243
      14 October – 16 October 2026	Banjarmasin	Cabang Banjarmasin Lambung Mangkurat Jl. Lambung Mangkurat No.50, Kertak Baru Ilir, Kec. Banjarmasin Tengah, Kota Banjarmasin, Kalimantan Selatan 70111
      	Tangerang	Cabang BDI Daan Mogot JL. Daan Mogot No. 48, Kota Tangerang, Banten, 15111
      	Jakarta	Cabang BDI Kelapa Gading 1 Jl. Boulevard Barat Blok XB No. 8, Lt. 3, Kelapa Gading, RW.5, West Kelapa Gading, Kelapa Gading, North Jakarta City, Jakarta 14240
      21 October – 23 October 2026	Kupang	Cabang BDI Kupang Sumatera JL. Sumatera No. 43 Kota Kupang Nusa Tenggara Timur 85228
      	Jayapura	Cabang BDI A. Yani Jl. A. Yani No.9 Kota Jayapura, Papua, 99111
      4 November – 6 November 2026	Jambi	Cabang BDI Kota Indah JL. Gatot Subroto Komp. Kota Indah Blok A-B No.1 Jambi, Kota Jambi, Jambi, 36134
      10 November – 12 November 2026	Dumai	Cabang BDI Sukajadi Jl. Diponegoro No. 81 A-B Kota Dumai, Riau, 28812
      7 December – 9 December 2026	Singkawang	Cabang BDI Singkawang Niaga Jl. Niaga No. 5-7, Kota Sigkawang, Kalimantan Barat, 79122

   3. Cardholders must read and understand the Program’s General Terms and Conditions.
   4. Bank Danamon reserves the right to refuse or cancel a Cardholder’s participation in this Program if the Cardholder fails to comply with the Program’s General Terms and Conditions.
   5. Cardholders are fully responsible 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. The 0% Installment Program applies as follows:

      Tenor	Rate	Admin Fee
      3 months	0%	IDR 25,000
      6 months
      12 months

   7. The program applies to both primary and supplementary cards.
   8. Bank Danamon will charge an administration fee of IDR 25,000 (twenty-five thousand rupiah) for each transaction converted into installments by the Cardholder. Partner merchants are not involved in the imposition of any additional fees.
   9. Transactions converted into installments will not earn D-Points or Membership Rewards Points.
   10. This program cannot be combined with other programs and/or promotions.
   11. By making transactions in accordance with the General Terms and Conditions of the Program, the Cardholder is deemed to have read, understood and agreed to participate in the Program and to be bound by the General Terms and Conditions of the Program. Transactions carried out by the Cardholder serve as valid proof of the Cardholder’s participation in the Program and the Cardholder’s agreement to be bound by the General Terms and Conditions of the Program.
   12. Interest and administration fees will be calculated based on the selected installment period and will be charged to the Cardholder for each transaction converted into installments.
   13. Interest on installments is calculated using a fixed installment method, whereby the total fixed installment comprises unequal proportions of the principal and interest each month; this proportion will decrease progressively from the first installment until the final installment is paid to Bank Danamon.
   14. The conversion of a transaction into an installment plan will be processed within 1–2 (one to two) working days after the transaction has been successfully posted. If the transaction is not successfully posted within 5 (five) working days, the Program application will be cancelled.
   15. If required in accordance with Bank Danamon’s policy, Bank Danamon will confirm via telephone to the Cardholder’s mobile number registered in Bank Danamon’s system.
   16. Bank Danamon reserves the right to reject or cancel the Cardholder’s participation in the Program if they do not meet the Programme’s General Terms and Conditions and/or if, following an assessment or review by Bank Danamon, it is found that the Cardholder does not comply with Bank Danamon’s policies.
   17. Any early repayment or cancellation of a Program transaction shall incur a penalty charge of 5 per cent (five per cent) of the outstanding principal of the Program loan and the interest accrued at that time (if any).
   18. For any delay in payment of Program installments, the Cardholder shall be subject to a penalty in accordance with Bank Danamon’s applicable fee schedule.
   19. In the event that the Cardholder fails to pay the minimum payment on their Bank Danamon Credit Card or Charge Card (or fails to pay the full amount due, specifically for the Danamon American Express Charge Card) for 2 (two) consecutive months by the due date, Bank Danamon shall charge the entire outstanding loan principal plus a penalty fee of 5 per cent (five per cent) of the outstanding loan principal under the Program, late payment charges and the interest accrued at that time (if any).
4. Power of Attorney
   1. For the purposes of this Program, the Cardholder hereby authorises Bank Danamon to convert transactions made using the Cardholder’s Card into installments.
   2. The authority granted by the Program Participant in the General Terms and Conditions of this Program is granted to Bank Danamon with the right of substitution; and so long as the Program Participant’s obligations to Bank Danamon have not been fully discharged, such authority may not be revoked nor shall it 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, incapacity 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 carry out 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 Indonesian Civil Code and the aforementioned powers of attorney form an integral part of the General Terms and Conditions of this Program.
5. Program Participants Complaints
   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 Danamon 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 Bank Danamon’s official website at the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
6. Other Terms and Conditions
   1. The products and/or services of partner merchants are not the products of, nor are they the responsibility of, Bank Danamon; they are therefore entirely the responsibility of the partner merchants. Should you encounter any issues and/or have any complaints regarding these products and/or services, please contact the relevant partner merchant.
   2. The Cardholder 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.
   3. Should there be any indication of fraud, deception, irregular transactions, unusual transactions, money laundering and/or actions inconsistent with the laws and regulations, Bank Danamon reserves the right to cancel the transaction, terminate the use of the Card, and/or suspend the provision of benefits and/or installments to the Cardholder.
   4. Other terms and conditions relating to banking products and/or services, insofar as they are not otherwise provided for in the General Terms and Conditions of this Program, shall remain in force and binding upon the Cardholder and shall form an integral and inseparable part of the General Terms and Conditions of the Program.
   5. These General Terms and Conditions of the Program constitute a single whole and form an integral part of the “General Terms and Conditions of Danamon Credit Card Membership” and the “General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership”. These terms and conditions shall remain in force unless otherwise provided for in these General Terms and Conditions of the Program.
   6. The Cardholder hereby agrees and acknowledges that Bank Danamon is entitled to amend, modify or supplement these General Terms and Conditions of the Program. Any amendments, additions or updates to these General Terms and Conditions of the Program shall be notified via the communication channels available at Bank Danamon. In the event of any changes to the benefits, risks, fees, terms and conditions under these General Terms and Conditions of the Program, the Cardholder 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 Cardholder agrees that Bank Danamon shall deem the Cardholder to have accepted such changes should the Cardholder fail to raise an objection within the aforementioned period. Should the Cardholder not accept such changes, the Cardholder is entitled to cancel their participation in the Program, provided they have first settled all outstanding obligations to Bank Danamon (if any).
   7. Cardholders may lodge a complaint regarding banking transactions or services either verbally or in writing via the nearest Bank Danamon branch, Hello Danamon (1-500-090) or by email at hellodanamon@danamon.co.id.
   8. The procedure regarding the complaints service can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
   9. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and is a participant in the Indonesia Deposit Insurance Corporation.
   10. The General Terms and Conditions of this Program have been aligned with the provisions of applicable laws and regulations, including those of the Financial Services Authority.

WARNING

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 accepts no liability 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.

These General Terms and Conditions of the Program (“General Terms and Conditions of the Program”) set out the terms and conditions applicable to Customers participating in the QRIS D-Bank PRO Danamon 2026 – Travel Fair 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 runs from 25 September to 27 September 2026, with the following details regarding its organisation:

   No	Period	City	Region	Venue
   1	25 – 27 September 2026	Samarinda	BN11	FUGO Hotel Samarinda Jl. Untung Suropati No.8, Karang Asam Ulu, Kec. Sungai Kunjang, Kota Samarinda, Kalimantan Timur 75243

   (“Program Period”)

2. Participants Criteria

   Customers eligible to participate in this Program are those who meet the following criteria:

   1. Customers who hold a Danamon savings account; or
   2. Customers who hold a Danamon credit card and an active savings account during the Program period;
   3. Customers who have and are registered on the latest version of the D-Bank PRO app; and
   4. The Program also applies to Bank Danamon employees.

   hereinafter referred to as (“Customers”).

3. Terms and Conditions of The Program
   1. Customers are required to read and understand the General Terms and Conditions of this 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 the Customer’s participation in and/or cancellation of participation in this Program.
   4. The Program consists of a cashback reward of 70 per cent (seventy per cent) up to IDR 25,000.00 (twenty-five thousand Rupiah) (“Cashback Reward”).
   5. The Program applies where the Customer makes a payment transaction using QRIS D-Bank PRO, funded from a savings account and/or a Danamon Credit Card bearing the Visa, Mastercard or JCB logo, with a minimum transaction value of IDR 10,000.00 (ten thousand IDR) (“Transaction”).
   6. By carrying out a transaction in accordance with the General Terms and Conditions of the Program, the Customer is deemed to have read, understood and agreed to participate in the Program and to be bound by these General Terms and Conditions. The transaction carried out by the Customer constitutes valid proof of the Customer’s participation in the Program and the Customer’s agreement to be bound by the General Terms and Conditions of the Program.
4. Terms and Conditions of The Rewards
   1. Customers will receive a Cashback Reward provided they have met the Program’s General Terms and Conditions, whilst quotas remain available.
   2. Customers may participate in the Program at the Danamon Travel Fair (“Danamon Travel Fair Event”). The Program is subject to a Cashback Reward Quota (“Program Quota”), which will be awarded as follows.

      City	Address	Merchant Name	Program Reward	Program Quota	Reward Quota
      Samarinda	FUGO Hotel Samarinda Jl. Untung Suropati No.8, Karang Asam Ulu, Kec. Sungai Kunjang, Kota Samarinda, Kalimantan Timur 75243	Ah Pek Kopitiam Colico DECAFE Hoolu Lene Studio Teh Tarik Peranakan Tomoro Coffee / Chips Today	Cashback 70% Up to IDR 25,000	200 Transactions	A maximum of 2 (two) cashback reward per city during the program period

   3. The Cashback Reward will be credited to the Customer’s savings account no later than 14 (fourteen) working days after the transaction has been made. If the Customer does not hold a Danamon savings account, they will not receive the Cashback Reward for the transaction in question.
   4. Participation in this Program is free of charge.
   5. The Customer understands and agrees that should the Program quota be exhausted before the end of the Program Period, the Customer will not receive a Cashback Reward.
   6. Bank Danamon will pay any tax deductions arising (if any) from the receipt of the Cashback Reward to the relevant tax authority. All matters relating to the calculation and reporting of tax on the Cashback Reward received by the Customer are the sole responsibility of the Customer (self-assessment basis).
   7. In the event that the Customer’s account used to carry out the Transaction is inactive, blocked or in any other condition that prevents the Cashback Reward from being credited, the Customer hereby acknowledges that the Cashback Reward cannot be awarded.
5. Customers Complaints
   1. Customers may lodge 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, which is available 24 hours a day.
   2. The procedures relating to the customer complaints service can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
6. Other Terms and Conditions
   1. The products and/or services provided by merchants are not the products of, nor are they the responsibility of, Bank Danamon; they remain entirely the responsibility of the merchants. Should any issues and/or complaints arise in relation to the products and/or services provided by merchants, customers are advised to contact the relevant partner merchant.
   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 stipulated in the General Terms and Conditions of this Program.
   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 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 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 specified period. Should the Customer not agree to the changes, they are entitled to cancel their participation in the Program, provided they have first settled all their obligations to Bank Danamon (if any). The Customer declares that there are no, and will be no, transactions indicative of money laundering offences and/or other transactions prohibited under the applicable laws and regulations of Indonesia.
   4. The Customer agrees that Bank Danamon is entitled to cancel the awarding of Rewards under this Program should the Customer fail to comply with the General Terms and Conditions of the Program.
   5. Should there be any indication of fraud, deception and/or irregular transactions, unusual transactions, money laundering offences and/or actions that do not comply with laws and regulations, Bank Danamon reserves the right to cancel the transaction, cancel participation in the Program, or cancel the granting of Cashback to the Customer concerned. Customers remain obliged to settle all outstanding obligations to Bank Danamon.
   6. The General Terms and Conditions of this Program have been aligned with applicable laws and regulations, including the regulations of the Financial Services Authority (OJK).
   7. Bank Danamon is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the Indonesia Deposit Insurance Corporation (LPS).

WARNING

Customers are advised to be wary of fraud perpetrated by individuals acting on behalf of Bank Danamon who promise cashback in any form. Any fraud or other criminal acts committed by other parties or third parties in connection with, or purporting to be on behalf of, the Program are beyond the control of Bank Danamon.