Danamon Travel Fair

These General Terms and Conditions of the Program (“General Terms and Conditions of the Program”) apply to Customers participating in Top Up Balance Danamon Travel Fair 2026 Program (“Program”), organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).

The Customer hereby agrees to and is bound by all provisions of these General Program Terms and Conditions as follows:

1. Program Period

   The Program runs from 5 October 2026 to 9 December 2026 (“Program Period”).

2. Participants Criteria

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

   1. Individuals;
   2. Customers in Bank Danamon’s Danamon Privilege or Optimal segment;
   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 these General Program Terms and Conditions.
   2. Bank Danamon may reject or cancel a Customer’s participation in the Program if the Customer does not meet these General Program Terms and Conditions.
   3. The Customer is fully responsible for any risk of loss, demand, legal action and/or claim arising from the Customer’s breach of these General Program Terms and Conditions, any inaccurate data or information provided by the Customer and/or the cancellation of the Customer’s participation in the Program.
   4. Each Customer participating in the Program must first register by completing and signing the Program Participation Form.
   5. Certain Customers selected and invited by Bank Danamon through its official communication channels (“Invited Customers”) may participate in the Program in the following locations and periods:

      City	Implementation Date
      Banjarmasin	5–12 October 2026
      Tangerang	5–12 October 2026
      Jakarta	5–12 October 2026
      Kupang	12–19 October 2026
      Jayapura	12–19 October 2026
      Jambi	19 October – 2 November 2026
      Dumai	23 October – 6 November 2026
      Lampung	23 October – 6 November 2026
      Singkawang	19 November – 3 December 2026

   6. Invited Customers may participate in the Program at any Bank Danamon branch in a city listed in the table in item III.5 above during the Program implementation period applicable to that city.
   7. Customers may also participate in the Program at Danamon Travel Fair events held in 8 (eight) cities (“Danamon Travel Fair Events”), as detailed below:

      City	Address	Implementation Date	Travel Agent
      Banjarmasin	Danamon Banjarmasin Lambung Mangkurat Branch Jl. Lambung Mangkurat No.50, Kertak Baru Ilir, Kec. Banjarmasin Tengah, Kota Banjarmasin, Kalimantan Selatan 70111	14–16 October 2026	Dwidaya
      Tangerang	Danamon Tangerang Daan Mogot Branch JL. Daan Mogot No. 48, Kota Tangerang, Banten, 15111	14–16 October 2026	Golden Rama
      Jakarta	Danamon Jakarta Kelapa Gading 1 Branch Jl. Boulevard Barat Blok XB No. 8, Lt. 3, Kelapa Gading, RW.5, West Kelapa Gading, Kelapa Gading, North Jakarta City, Jakarta 14240	14–16 October 2026	Golden Rama
      Kupang	Danamon Kupang Sumatera Branch JL. Sumatera No. 43 Kota Kupang Nusa Tenggara Timur 85228	21–23 October 2026	TX Travel
      Jayapura	Danamon Jayapura A Yani Branch Jl. A.Yani No. 9, Kota Jayapura, Papua, 99111	21–23 October 2026	Dwidaya
      Jambi	Danamon Jambi Kota Indah Branch JL. Gatot Subroto Komp. Kota Indah Blok A-B No.1 Jambi, Kota Jambi, Jambi, 36134	4–6 November 2026	Samudra Holidays
      Dumai	Danamon Dumai Sukajadi Branch Jl. Diponegoro No. 81 A-B, Kota Dumai, Riau, 28812	10–12 November 2026	The Houze
      Lampung	Danamon Lampung Teluk Betung Pattimura Branch Jl. Pattimura No. 2-4, Telukbetung, Kota Bandar Lampung, Lampung, 35131	10–12 November 2026	Dwidaya
      Singkawang	Danamon Singkawang Niaga Branch Jl. Niaga No. 5-7, Kota Singakawang, Kalimantan Barat, 79122	7–9 December 2026	Sentosa

   8. Customers must hold funds and conduct foreign exchange transactions through the Danamon LEBIH PRO/Danamon LEBIH PRO iB account registered for the Program in the amounts set out in the following table:

      Held Funds Amount	Term	Amount of Foreign Exchange Transaction (Minimum IDR)	Penalty Fee/Reward Replacement Fee (IDR)
      IDR 50,000,000	3 months	IDR 5,000,000	IDR 625,000
      IDR 100,000,000			IDR 1,275,000
      IDR 200,000,000			IDR 2,600,000
      IDR 500,000,000		IDR 50,000,000	IDR 7,000,000
      IDR 1,000,000,000			IDR 14,375,000
      USD 25,000			IDR 900,000
      USD 50,000			IDR 900,000
      USD 100,000			IDR 2,250,000

   9. Customers who have held funds and completed transactions in accordance with these General Program Terms and Conditions may receive a main reward in the form of a voucher for purchasing products available at a Danamon Travel Fair Event, worth 70% of the transaction value but not exceeding the applicable “Maximum Voucher” amount in the table below (“Main Reward”):

      Held Funds Amount	Maximum Voucher*) (IDR)	Quota**)
      IDR 50,000,000	IDR 600,000	The total combined quota for all held-funds tiers is 290. The IDR 500,000,000 and IDR 1,000,000,000 tiers have a combined quota for the first 10 Customers at each branch.
      IDR 100,000,000	IDR 1,250,000
      IDR 200,000,000	IDR 2,550,000
      IDR 500,000,000	IDR 7,000,000
      IDR 1,000,000,000	IDR 14,200,000
      USD 25,000	IDR 2,970,000
      USD 50,000	IDR 5,220,000
      USD 100,000	IDR 10,800,000

      
      

      Notes:

      *) The Voucher Reward received by the Customer is a voucher providing a 70% discount on a transaction at a Danamon Travel Fair Event, subject to the Maximum Voucher amount above. If 70% of the transaction value is less than the Maximum Voucher, the Customer will only receive a voucher equal to 70% of the transaction value.

      **) Bank Danamon staff will inform Customers of quota availability before they complete and sign the Program Participation Form. Program offers are made subject to the available quota. Customer participation and Reward distribution are determined by the order in which all Program requirements are met, as recorded in Bank Danamon’s systems and/or administration.

   10. In addition to the Main Reward, Customers may receive 1 (one) opportunity to participate in the Lucky Draw, subject to quota availability, to win a reward listed in the table below (“Additional Lucky Draw Reward”):

       Additional Lucky Draw Reward	Quota (Per Danamon Travel Fair Event)
       American Tourister Koper Hardcase Argyle Cabin 20 Inch	2
       Foldable Shopping Bag	10
       Travel Organiser Pouch	8
       Travel Adapter	5
       Xiaomi Redmi Buds 6 Lite	5

   11. In addition to the Main Reward and Additional Lucky Draw Reward, Customers who hold at least IDR 100,000,000 and conduct a foreign exchange transaction of at least IDR 20,000,000 may also receive 1 (one) opportunity to participate in the Money Changer Lucky Draw, subject to quota availability, to win a reward listed in the table below (“Cashback Reward”):

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

   12. Funds registered for the Program must be fresh funds, namely:
       1. Funds transferred to the Customer’s Bank Danamon account from an account at another bank no more than 7 (seven) calendar days before the funds are held.
       2. Cash deposits made through an ATM or a teller at a Bank Danamon branch are not eligible.
   13. Privilege Customers participating in the Fund Placement Scheme (in IDR) may also hold funds at a Danamon Travel Fair Event as referred to in item III.8, subject to the following additional terms:
       1. If the funds are not placed and held in a single transaction, the Customer must:
          1. make an initial fund placement and hold at least IDR 100,000,000 at a Danamon Travel Fair Event during the Program Period; and
          2. complete the placement and holding of all remaining funds for the selected tier through a Bank Danamon branch no later than 2 (two) weeks after the Danamon Travel Fair Event;
          3. All funds placed and held, including the initial and remaining funds, must meet the fresh-funds requirements in item III.12.
       2. A foreign exchange transaction of at least IDR 50,000,000 (fifty million rupiah) through a Danamon LEBIH PRO/Danamon LEBIH PRO iB account must be completed on the date the Customer makes the initial fund placement and holding.
       3. If the Customer does not place and hold the remaining funds for the selected tier within 2 (two) weeks after the Danamon Travel Fair Event, the Customer must pay the Penalty Fee/Reward Replacement Fee set out in the table in item III.8.
   14. The foreign exchange transaction made through D-Bank PRO or at a Bank Danamon branch, the holding of funds and the signing of the Program Participation Form must take place on the same day, subject to the following additional terms:
   15. For Customers making a staged fund placement, the foreign exchange transaction must be completed on the same date as the initial fund placement (down payment).
   16. If the Customer holds funds after 14:00 Western Indonesian Time on a Friday, or on a Saturday or Sunday, the foreign exchange transaction may be completed no later than the next 1 (one) Working Day after the funds are held.
   17. If the Customer has reached the maximum monthly foreign exchange transaction limit and therefore cannot meet the Program’s foreign exchange transaction requirement, the requirement may be met through an additional purchase of a Mutual Fund with a minimum fee of 1%, a Structured Linked Investment (SLI) with a minimum fee of 0.6%, Bancassurance or Bonds.
   18. Bank Danamon will hold funds in the Customer’s account in accordance with the Held Funds Amount stated in the Form.
   19. If a Participant cancels their participation in the Program, the Customer must visit the Bank Danamon branch where they registered for the Program and sign the Program Cancellation Form. The Customer will be charged the Penalty Fee/Reward Replacement Fee in accordance with these General Program Terms and Conditions. The Customer must pay the Penalty Fee/Reward Replacement Fee in full by authorising Bank Danamon to debit the Customer’s Bank Danamon account.
   20. If the Customer cancels their participation in the Program, the Customer will be charged the Penalty Fee/Reward Replacement Fee set out in the table in item III.8.
   21. Each Customer may participate in the Program only once, and the Program cannot be multiplied.
   22. The Program cannot be combined with any other fund placement program and/or promotion.
   23. Funds held under this Program cannot be treated as a fund placement for any other program organised by Bank Danamon.
   24. Customers will continue to receive interest (conventional) or profit sharing (sharia) in accordance with the applicable terms.
   25. A Customer who has participated in the Program in accordance with these General Program Terms and Conditions may refer another Customer to participate in the Program (“Referrer”), subject to the following terms:
       1. The Referrer and the referred Customer must participate in the Program under the same blocked-funds tier of at least IDR 500,000,000 (five hundred million rupiah), in accordance with item III.8 above.
       2. A Referrer may refer only 1 (one) Customer during the Program Period.
       3. The Referrer and the referred Customer are each entitled to receive 1 (one) discount voucher in the applicable voucher amount for a purchase of products sold at a Danamon Travel Fair Event (“Additional Voucher Reward”), subject to the following reward amounts and Referrer quotas:

          Amount of Held Funds	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. Reward Distribution Terms
   1. The Main Reward, Additional Lucky Draw Reward, Cashback Reward and/or Additional Voucher Reward (“Rewards”) will be distributed by the Bank after it verifies and validates that the Customer/Referrer and the referred Customer meet the Program participation requirements.
   2. Rewards cannot be exchanged for another type or form of reward, redeemed for cash, transferred by the Customer to any person or multiplied. This provision does not affect the Cashback Reward crediting mechanism set out in these General Program Terms and Conditions.
   3. The Bank may refuse to distribute a Reward if:
      1. The Customer/Referrer and/or referred Customer does not meet the Program terms;
      2. There is an indication of Program misuse or non-compliance with the applicable terms.
   4. The following terms apply specifically to the Main Reward and Additional Voucher Reward:
      1. Bank Danamon will distribute the Main Reward and Additional Voucher Reward only at a Danamon Travel Fair Event.
      2. The Main Reward and Additional Voucher Reward may only be used for purchases at a Danamon Travel Fair Event on the same day the relevant reward is received.
      3. Product purchases at a Danamon Travel Fair Event must be made using a Danamon Debit/ATM Card or Credit Card.
      4. The Main Reward and Additional Voucher Reward each apply to one product-purchase invoice only, cannot be combined across multiple invoices, cannot be used for a split bill and cannot be used more than once.
      5. The Customer understands and agrees that a Reward provided as a voucher will be treated as interest received by the Customer on the fund placement. Accordingly, if the voucher value causes the return to exceed the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation for savings accounts, the excess portion will not be guaranteed by the Indonesia Deposit Insurance Corporation. Customers may obtain information about changes to the maximum guaranteed interest rate from a Bank Danamon branch, Hello Danamon on 1-500-900, or by email to hellodanamon@danamon.co.id.
   5. The following terms apply to the Additional Lucky Draw Reward:
      1. If the Additional Lucky Draw Reward quota has been exhausted, the Customer will not receive an Additional Lucky Draw Reward.
      2. The Customer will receive the Additional Lucky Draw Reward immediately during the Danamon Travel Fair Event.
   6. The following terms apply to the Cashback Reward:
      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 the Program no later than 30 (thirty) calendar days after the Program Period ends.
   7. If the account to be held is a Joint Account (AND/OR), the Customers hereby agree to and authorise one of the joint account holders to receive the Program Reward.
   8. Bank Danamon applies the applicable tax regulations to the Program. Any tax obligations arising from the Program are the respective responsibility of Bank Danamon and the Customer to the tax authorities.
   9. Any Reward received by the Customer cannot be returned.
   10. For Rewards in the form of goods, Bank Danamon is not the manufacturer or warranty provider. Complaints about the quality of a Reward in the form of goods must be submitted directly to the relevant manufacturer.
   11. POWER OF ATTORNEY
       1. The Customer hereby authorises Bank Danamon to: (i) freeze and unfreeze funds in accordance with the Program Participation Form and these General Program Terms and Conditions; and/or (ii) debit the Customer’s Bank Danamon account to pay the Penalty Fee/Reward Replacement Fee if the Customer cancels the Program in accordance with the Cancellation Form or fails to block the remaining funds in accordance with these General Program Terms and Conditions.
       2. The authorisation granted by the Customer to Bank Danamon under these General Program Terms and Conditions includes the right of substitution. Until the Customer’s obligations to the Bank have been fully discharged, the authorisation is irrevocable and will not terminate for any reason, including but not limited to the circumstances referred to in Articles 1813 (termination of a power of attorney by revocation by the principal, notice of termination by the attorney, or the death, guardianship or bankruptcy of the principal or attorney), 1814 (the principal may revoke the power of attorney at will and, where there is reason to do so, require the attorney to return the instrument of authority) and 1816 (appointment of a new attorney for the same matter revokes the first authorisation from the time the first attorney is notified of the new appointment) of the Indonesian Civil Code. This authorisation forms an integral part of these General Program Terms and Conditions.
5. Program Risks
   1. A Customer who does not meet these General Program Terms and Conditions, including by failing to block funds and/or conduct the required foreign exchange transaction, will not receive a Reward.
   2. If the reward/voucher quota has been exhausted, the Customer will not receive a reward/voucher.
6. Program simulation

   Customer	Customer Type	Funds Hold Date	Held Funds Amount and Foreign Exchange Transaction	Referral of a Friend/Family Member/Other Person to Participate in the Program	Invoice for Travel Agent Products/Services Ordered at the Danamon Travel Fair Event*	Voucher Reward	Additional Voucher Reward	Total Payable by the Customer
   A	Invited Customer	5 October 2026	IDR 100,000,000 (held) IDR 5,000,000 (FX)	-	Australia tour package for two people IDR 46,900,000	IDR 1,250,000	-	IDR 45,650,000
   B	Danamon Travel Fair Event Customer	14 October 2026	IDR 500,000,000 (held) IDR 50,000,000 (FX)	-	Asian cruise package for two people IDR 10,000,000	IDR 7,000,000	-	IDR 3,000,000
   C	Danamon Travel Fair Event Customer	21 October 2026 and 4 November 2026 (Partial Fund Placement)	21 October 2026: IDR 100,000,000 (held) IDR 50,000,000 (FX) 4 November 2026: IDR 400,000,000 (held)	-	Economy-class flights to Japan for two people IDR 20,000,000	IDR 7,000,000	-	IDR 13,000,000
   D	Danamon Travel Fair Event Customer	12 November 2026 (USD Fund Placement Scheme)	USD 25,000 (held) IDR 50,000,000 (FX)	-	Business-class flight to Kuala Lumpur for one person IDR 4,300,000	IDR 2,970,000	-	IDR 1,330,000
   E	Danamon Travel Fair Event Customer	30 December 2026	IDR 200,000,000 (held) IDR 5,000,000 (FX)	-	Economy-class flights to Singapore for two people IDR 4,000,000	N/A	-	N/A
   F	Danamon Travel Fair Event Customer	10 November 2026	IDR 1,000,000,000 (held) IDR 50,000,000 (FX)	Yes, with blocked funds of IDR 1,000,000,000 and a foreign exchange transaction of IDR 50,000,000	Japan tour package for one person IDR 20,300,000	IDR 14,200,000	IDR 1,000,000	IDR 5,100,000

   
   

   *Invoice prices are illustrative only (not reference or actual prices)

   
   

   Scenario Explanation:

   • Customers A, B, C and D receive a reward based on their transaction amount in the form of a 70% (seventy per cent) Travel Fair discount voucher, subject to the Maximum Voucher amount, and receive 1 (one) opportunity to participate in the Lucky Draw.
   • Customer E does not receive a reward because the fund placement date falls outside the Program Period.
   • Customer F receives a reward based on the transaction amount in the form of a 70% (seventy per cent) Travel Fair discount voucher, receives one opportunity to participate in the Lucky Draw and receives an Additional Voucher Reward for referring a friend, family member or another person to participate in the Program.
7. Customer Complaints
   1. Customers may submit complaints about banking products or services verbally or in writing through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or by email to hellodanamon@danamon.co.id.
   2. The complaint-handling procedure is available at https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
8. Other Terms and Conditions
   1. Products and/or services provided by the travel agencies Dwidaya, Golden Rama, TX Travel, Samudra Holidays, The Houze and Sentosa, or by any airline, are neither products nor the responsibility of Bank Danamon; they remain entirely the responsibility of the relevant travel agency or airline. For any issues and/or complaints relating to those products and/or services, please contact the relevant travel agency or airline.
   2. These General Program Terms and Conditions form an integral part of the “General Terms and Conditions of Accounts and Banking Services” or the “General Terms and Conditions of Sharia Accounts and Banking Services”, the “General Terms and Conditions of D-Bank PRO”, the “General Terms and Conditions of Danamon LEBIH PRO Savings” and the “General Terms and Conditions of Danamon LEBIH PRO iB Savings”, together with other terms and conditions relating to banking products and/or services. If there is any discrepancy or conflict between those terms and these General Program Terms and Conditions, these General Program Terms and Conditions will prevail.
   3. The Customer hereby agrees and acknowledges that Bank Danamon may revise, amend or supplement these General Program Terms and Conditions from time to time. Any revision, addition or update will be notified through Bank Danamon’s available communication channels. If there are changes to the benefits, risks, fees, terms or conditions under these General Program Terms and Conditions, the Customer may submit a written objection to Bank Danamon within 30 (thirty) working days from the date on which Bank Danamon gives notice through its communication channels. The Customer agrees that they will be deemed to have accepted the changes if they do not object within that period. If the Customer does not accept the changes, they may cancel their participation in the Program after first settling all obligations to Bank Danamon (if any).
   4. The Customer understands that the notice period may be waived for certain changes in accordance with applicable laws and regulations.
   5. The verification and approval process for opening banking products and/or services is entirely at Bank Danamon’s discretion.
   6. The Customer declares that they are not conducting and will not conduct any transaction suspected of involving money laundering and/or any other transaction prohibited under applicable Indonesian laws and regulations.
   7. If there are indications of fraud, deception, transaction irregularities, unusual transactions, money laundering and/or acts contrary to applicable laws and regulations, Bank Danamon may cancel the transaction, cancel participation in the Program and/or withhold the Program benefit from the Customer concerned. The Customer remains obliged to settle all obligations to Bank Danamon (if any).
   8. If any provision of these General Program Terms and Conditions is prohibited, unenforceable, rendered invalid or declared null and void by a government or court decision, this will not affect the validity of the other provisions, which will remain valid, binding and enforceable in accordance with these General Program Terms and Conditions.
   9. If any irregularity relating to the Program or suspected fraud is identified, Customers are advised to report it immediately through Hello Danamon.
   10. These Program Terms and Conditions are prepared in Indonesian and English. If there is any difference in provision or interpretation between the Indonesian and English versions, the Indonesian version will prevail.
   11. The headings and terms used in these General Program Terms and Conditions are solely intended to facilitate understanding of their contents.
   12. These General Program Terms and Conditions comply with applicable laws and regulations, including the regulations of the Financial Services Authority (OJK).
   13. Bank Danamon is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a participant in the Indonesia Deposit Insurance Corporation (LPS).

WARNING

Customers must beware of fraudsters claiming to represent Bank Danamon and promising rewards in any form. Any fraud or other criminal act committed by another or third party in connection with, or in the name of, Bank Danamon or the Program is outside Bank Danamon’s authority.

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 5 – 16 October 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. Raudhoh Wisata Bahari, PT. Kafilah Maghfirah Wisata, PT. Malika Wisata Utama (“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:

      Tanggal Pelaksanaan	Kota
      5 - 12 October 2026	Banjarmasin
      	Tangerang
      	Jakarta

   6. In addition to Invited Customers, Customers may take part in the Program at the Danamon Travel Fair, which will be held from 14 – 16 October 2026 in the following cities (“Danamon Travel Fair”):

      Tanggal Pelaksanaan	Kota	Venue	Travel Agent
      14 - 16 October 2026	Banjarmasin	Cabang Danamon Banjarmasin Lambung Mangkurat	PT Raudhoh Wisata Bahari
      	Tangerang	Cabang Danamon Tangerang Daan Mogot	PT. Malika Wisata Utama
      	Jakarta	Cabang Danamon Jakarta Kelapa Gading 1	PT Kafilah Maghfirah 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	Pemblokiran Dana (Rp)	Tenor	Minimum Transaksi Valas (Rp)	Biaya Pengembalian Administrasi Program (Rp)
      Optimal	50,000,000	3 Bulan	5,000,000	750,000
      	100,000,000	5,000,000	1,562,500
      	200,000,000	5,000,000	3,187,500
      Privilege	500,000,000	3 Bulan	50,000,000	8,750,000
      	1,000,000,000		50,000,000	17,750,000

   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)	Total Reward (IDR) *)	Minimum Transaksi	Program Cancellation Administration Fee (Rp)	remarks	Kuota**)
      Optimal	50,000,000	3 Bulan	5,000,000	600,000	1,200,000	750,000	TUB50S_PRESALE_TF	'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 and IDR1,000,000,000 have a combined quota of 5
      	100,000,000		5,000,000	1,250,000	2,400,000	1,562,500	TUB100S_PRESALE_TF
      	200,000,000		5,000,000	2,550,000	4,800,000	3,187,500	TUB200S_PRESALE_TF
      Privilege	500,000,000	3 Bulan	50,000,000	7,000,000	12,900,000	8,750,000	TUB500S_PRESALE_TF
      	1,000,000,000		50,000,000	14,200,000	27,200,000	17,750,000	TUB1MS_PRESALE_TF

      *)The Grand Prize to be received by the Customer is voucher travel discount valid for transactions at the Danamon Travel Fair, up to the total reward amount stated above. The voucher reward is net of tax; tax is borne by Bank Danamon.

      **)Staff at Bank Danamon will inform customers of the availability of the quota before they complete and sign the Program Participation Form. The Program offer is subject to the available quota. If the quota for the grand prize has been met, the program cannot be offered to customers and registration will be closed by Bank Danamon.

   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 Kamilian by American Tourister	1
       Duffle Bag Coastico by Eiger	1
       Slingbag Animo by Torch	2
       Tumblr (Lock n Lock)	3
       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	Danamon Travel Fair Event Customers	15 Oct ‘26	- IDR 500,000,000 (blokir) - IDR 50,000,000 (FX)	Paket Umroh IDR 80,000,000	IDR 7,000,000	IDR 73,000,000
   B	Danamon Travel Fair Event Customers	15 Oct ‘26	15 Sep ’26: - IDR 100,000,000 (Blokir) - IDR 50,000,000 (FX) 28 Oct ’26: - IDR 400,000,000 (Blokir)	Paket Umroh IDR 80,000,000	IDR 7,000,000	IDR 73,000,000
   C	Danamon Travel Fair Event Customers	15 Oct ‘26	- IDR 100,000,000 (blokir) - IDR 5,000,000 (FX)	Paket Umroh IDR 80,000,000	IDR 1,250,000	IDR 78,750,000
   D	Danamon Travel Fair Event Customers	17 Oct ‘26	- IDR 100,000,000 (blokir) - IDR 5,000,000 (FX)	Paket Umroh 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.

These General Terms and Conditions of the Program (“General Terms and Conditions of the Program”) apply to customers of PT Bank Danamon Indonesia Tbk (“Bank”) who hold and transact using a Card (“Cardholders”) and participate in Save Up To IDR 7,000,000 (seven million rupiah) for Transactions at Travel Fair Program (“Program”), organised by the Bank in cooperation with its merchant partners Dwidayatour, Golden Rama, Samudra Holidays, Sentosa Tour, The Houze and TX Travel (“Travel Agents”).

The Cardholder hereby agrees to and is bound by all provisions of these General Program Terms and Conditions as follows:

1. Program Period

   The Program runs from 14 October 2026 to 9 December 2026 (“Program Period”).

2. Participants Criteria

   The Program is available to the following Cardholders: (i) Danamon Global Currency Card (Kartu Debit Danamon Lebih Pro) with BIN 541143; (ii) Bank Danamon Credit Cards bearing the Visa, Mastercard and JCB logo; and (iii) Danamon American Express Credit Cards and Charge Cards, excluding corporate Cards (“Cards”).

3. Terms and Conditions of the Program
   1. Cardholders must read and understand these General Program Terms and Conditions.
   2. The Bank may reject or cancel a Cardholder’s participation in the Program if the Cardholder does not meet these General Program Terms and Conditions.
   3. The Cardholder is fully responsible for any risk of loss, demand, legal action and/or claim arising from their participation in and/or cancellation of participation in the Program.
   4. The Program applies as follows:
      1. Savings Program
         1. The Program applies under the following scheme:

            Period	City	Card Type	Merchant	Program Scheme
            				Discount (IDR)	Minimum Transaction (IDR)	Total Quota
            14–16 October 2026	Banjarmasin	Visa, Mastercard and JCB Credit Cards	Dwidayatour	370,000	10,000,000	3
            				970,000	25,000,000	4
            				2,700,000	60,000,000	4
            				7,000,000	125,000,000	3
            			Total Visa, Mastercard and JCB			14
            		American Express Credit Cards and Charge Cards	Dwidayatour	370,000	10,000,000	1
            				970,000	25,000,000	1
            				2,700,000	60,000,000	1
            				7,000,000	125,000,000	1
            			Total American Express			4
            		Total Credit Cards and Charge Cards				18
            		Global Currency Card (DL Pro Debit Card)	Dwidayatour	370,000	10,000,000	8
            				970,000	25,000,000	10
            				2,700,000	60,000,000	6
            			Total DL Pro Debit Cards			24
            14–16 October 2026	Tangerang	Visa, Mastercard and JCB Credit Cards	Golden Rama	370,000	10,000,000	3
            				970,000	25,000,000	4
            				2,700,000	60,000,000	4
            				7,000,000	125,000,000	3
            			Total Visa, Mastercard and JCB			14
            		American Express Credit Cards and Charge Cards	Golden Rama	370,000	10,000,000	1
            				970,000	25,000,000	1
            				2,700,000	60,000,000	1
            				7,000,000	125,000,000	1
            			Total American Express			4
            		Total Credit Cards and Charge Cards				18
            		Global Currency Card (DL Pro Debit Card)	Golden Rama	370,000	10,000,000	8
            				970,000	25,000,000	10
            				2,700,000	60,000,000	6
            			Total DL Pro Debit Cards			24
            14–16 October 2026	Kelapa Gading	Visa, Mastercard and JCB Credit Cards	Golden Rama	370,000	10,000,000	3
            				970,000	25,000,000	4
            				2,700,000	60,000,000	4
            				7,000,000	125,000,000	3
            			Total Visa, Mastercard and JCB			14
            		American Express Credit Cards and Charge Cards	Golden Rama	370,000	10,000,000	1
            				970,000	25,000,000	1
            				2,700,000	60,000,000	1
            				7,000,000	125,000,000	1
            			Total American Express			4
            		Total Credit Cards and Charge Cards				18
            		Global Currency Card (DL Pro Debit Card)	Golden Rama	370,000	10,000,000	8
            				970,000	25,000,000	10
            				2,700,000	60,000,000	6
            			Total DL Pro Debit Cards			24
            21–23 October 2026	Kupang	Visa, Mastercard and JCB Credit Cards	TX Travel	370,000	10,000,000	3
            				970,000	25,000,000	4
            				2,700,000	60,000,000	4
            				7,000,000	125,000,000	3
            			Total Visa, Mastercard and JCB			14
            		American Express Credit Cards and Charge Cards	TX Travel	370,000	10,000,000	1
            				970,000	25,000,000	1
            				2,700,000	60,000,000	1
            				7,000,000	125,000,000	1
            			Total American Express			4
            		Total Credit Cards and Charge Cards				18
            		Global Currency Card (DL Pro Debit Card)	TX Travel	370,000	10,000,000	8
            				970,000	25,000,000	10
            				2,700,000	60,000,000	6
            			Total DL Pro Debit Cards			24
            21–23 October 2026	Jayapura	Visa, Mastercard and JCB Credit Cards	Dwidayatour	370,000	10,000,000	3
            				970,000	25,000,000	4
            				2,700,000	60,000,000	4
            				7,000,000	125,000,000	3
            			Total Visa, Mastercard and JCB			14
            		American Express Credit Cards and Charge Cards	Dwidayatour	370,000	10,000,000	1
            				970,000	25,000,000	1
            				2,700,000	60,000,000	1
            				7,000,000	125,000,000	1
            			Total American Express			4
            		Total Credit Cards and Charge Cards				18
            		Global Currency Card (DL Pro Debit Card)	Dwidayatour	370,000	10,000,000	8
            				970,000	25,000,000	10
            				2,700,000	60,000,000	6
            			Total DL Pro Debit Cards			24
            4–6 November 2026	Jambi	Visa, Mastercard and JCB Credit Cards	Samudra Holidays	370,000	10,000,000	3
            				970,000	25,000,000	4
            				2,700,000	60,000,000	4
            				7,000,000	125,000,000	3
            			Total Visa, Mastercard and JCB			14
            		American Express Credit Cards and Charge Cards	Samudra Holidays	370,000	10,000,000	1
            				970,000	25,000,000	1
            				2,700,000	60,000,000	1
            				7,000,000	125,000,000	1
            			Total American Express			4
            		Total Credit Cards and Charge Cards				18
            		Global Currency Card (DL Pro Debit Card)	Samudra Holidays	370,000	10,000,000	8
            				970,000	25,000,000	10
            				2,700,000	60,000,000	6
            			Total DL Pro Debit Cards			24
            10–12 November 2026	Dumai	Visa, Mastercard and JCB Credit Cards	The Houze	370,000	10,000,000	3
            				970,000	25,000,000	4
            				2,700,000	60,000,000	4
            				7,000,000	125,000,000	3
            			Total Visa, Mastercard and JCB			14
            		American Express Credit Cards and Charge Cards	The Houze	370,000	10,000,000	1
            				970,000	25,000,000	1
            				2,700,000	60,000,000	1
            				7,000,000	125,000,000	1
            			Total American Express			4
            		Total Credit Cards and Charge Cards				18
            		Global Currency Card (DL Pro Debit Card)	The Houze	370,000	10,000,000	8
            				970,000	25,000,000	10
            				2,700,000	60,000,000	6
            			Total DL Pro Debit Cards			24
            10–12 November 2026	Lampung	Visa, Mastercard and JCB Credit Cards	Dwidayatour	370,000	10,000,000	3
            				970,000	25,000,000	4
            				2,700,000	60,000,000	4
            				7,000,000	125,000,000	3
            			Total Visa, Mastercard and JCB			14
            		American Express Credit Cards and Charge Cards	Dwidayatour	370,000	10,000,000	1
            				970,000	25,000,000	1
            				2,700,000	60,000,000	1
            				7,000,000	125,000,000	1
            			Total American Express			4
            		Total Credit Cards and Charge Cards				18
            		Global Currency Card (DL Pro Debit Card)	Dwidayatour	370,000	10,000,000	8
            				970,000	25,000,000	10
            				2,700,000	60,000,000	6
            			Total DL Pro Debit Cards			24
            7–9 December 2026	Singkawang	Visa, Mastercard and JCB Credit Cards	Sentosa Tour	370,000	10,000,000	3
            				970,000	25,000,000	4
            				2,700,000	60,000,000	4
            				7,000,000	125,000,000	3
            			Total Visa, Mastercard and JCB			14
            		American Express Credit Cards and Charge Cards	Sentosa Tour	370,000	10,000,000	1
            				970,000	25,000,000	1
            				2,700,000	60,000,000	1
            				7,000,000	125,000,000	0
            			Total American Express			3
            		Total Credit Cards and Charge Cards				17
            		Global Currency Card (DL Pro Debit Card)	Sentosa Tour	370,000	10,000,000	8
            				970,000	25,000,000	10
            				2,700,000	60,000,000	6
            			Total DL Pro Debit Cards			24

         2. The Program applies to Cardholders who have or have not participated in the fund placement program (Save Up To 70%).
         3. The Program applies to 1 (one) transaction per Card number per day.
         4. Program benefits are non-refundable and cannot be redeemed for cash.
         5. The Program cannot be multiplied.
         6. The Program applies to both principal and supplementary Cards.
         7. The Cardholder understands and agrees that if the Quota specified in the table above has been exhausted, the Cardholder will not receive the Program benefit even if the Program Period has not ended.
   5. By making a transaction in accordance with these General Program Terms and Conditions, the Cardholder is deemed to have read and understood them, agreed to participate in the Program and agreed to be bound by them. The Cardholder’s transaction constitutes valid evidence of participation in the Program and agreement to be bound by these General Program Terms and Conditions.
4. Cardholder Complaints
   1. Cardholders and/or their representatives may submit complaints about banking products or services verbally or in writing through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or by email to hellodanamon@danamon.co.id.
   2. The complaint-handling procedure is available on the Bank’s official website at https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
5. Other Terms and Conditions
   1. These General Program Terms and Conditions form an integral 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. If there is any discrepancy or conflict between those terms and these General Program Terms and Conditions, these General Program Terms and Conditions will prevail.
   2. Products, services and/or benefits provided by merchant partners are the responsibility of the relevant merchant partner and are neither products nor the responsibility of the Bank. For any issues and/or complaints relating to those products, services and/or benefits, please contact the relevant merchant partner.
   3. The Cardholder hereby agrees and acknowledges that the Bank may revise, amend or supplement these General Program Terms and Conditions from time to time. Any revision, addition or update will be notified through Bank Danamon’s available communication channels. If there are changes to the benefits, risks, fees, terms or conditions under these General Program Terms and Conditions or any other changes, the Cardholder may submit a written objection to Bank Danamon within 30 (thirty) working days from the date on which Bank Danamon gives notice through its communication channels. The Cardholder agrees that they will be deemed to have accepted the changes if they do not object within that period. If the Cardholder does not accept the changes, they may cancel their participation in the Program after first settling all obligations to Bank Danamon (if any).
   4. The Cardholder declares that they are not conducting and will not conduct any transaction suspected of involving money laundering and/or any other transaction prohibited under applicable Indonesian laws and regulations.
   5. If there are indications of fraud, deception, misuse, transaction irregularities, unusual transactions, money laundering and/or acts contrary to applicable laws and regulations, the Bank may cancel the transaction, terminate use of the Bank’s products/services, cancel participation in the Program and/or cancel the Program benefit granted to the Cardholder concerned. The Cardholder remains obliged to settle all obligations to the Bank (if any).
   6. If any provision of these General Program Terms and Conditions is prohibited, unenforceable, rendered invalid or declared null and void by a government or court decision, this will not affect the validity of the other provisions, which will remain valid, binding and enforceable in accordance with these General Program Terms and Conditions.
   7. If any irregularity relating to the Program or suspected fraud is identified, Cardholders are advised to report it immediately through Hello Danamon.
   8. These Program Terms and Conditions are prepared in Indonesian and English. If there is any difference in provision or interpretation between the Indonesian and English versions, the Indonesian version will prevail.
   9. The headings and terms used in these General Program Terms and Conditions are solely intended to facilitate understanding of their contents.
   10. These General Program Terms and Conditions comply with applicable laws and regulations, including the regulations of the Financial Services Authority (OJK).
   11. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a participant in the Indonesia Deposit Insurance Corporation (LPS).

WARNING

Cardholders must beware of fraudsters claiming to represent the Bank and promising rewards in any form. Any fraud or other criminal act committed by another or third party in connection with, or in the name of, the Bank or the Program is outside the Bank’s responsibility.

These General Terms and Conditions of Mini Undian Danamon Hadiah Beruntun Program (“General Terms and Conditions of the Program”) apply to Customers participating in the Mini Undian Danamon Hadiah Beruntun Program (“Program”), organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).

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

1. Program Period

   The Program is valid from 14 October 2026 to 9 December 2026 (“Program Period”).

2. Participants Criteria

   Participants eligible to take part in the Program are all individual customers who hold a savings account with Bank Danamon (“Customers”). Bank Danamon employees are not eligible.

3. Terms and Conditions of the Program
   1. Customers must read and understand these General Program Terms and Conditions.
   2. Customers must read and understand the General Terms and Conditions of each program included in this Program, as specified in item 5 (five) below.
   3. Bank Danamon reserves the right to reject or cancel a Customer’s participation in the Program if the Customer does not meet these General Program Terms and Conditions.
   4. Customers are fully responsible for all risks of loss, demands, legal action and/or claims relating to their participation in and/or cancellation of participation in the Program.
   5. Customers may participate in the Program at Danamon Travel Fair events held at the following 9 (nine) Bank Danamon branches (“Danamon Travel Fair Events”):

      Bank Danamon Branch	Address	Event Date for Danamon Travel Fair Event
      Bank Danamon Banjarmasin Lambung Mangkurat Branch	Jl. Lambung Mangkurat No.50, Kertak Baru Ilir, Kec. Banjarmasin Tengah, Kota Banjarmasin, Kalimantan Selatan 70111	14–16 October 2026
      Bank Danamon Tangerang Daan Mogot Branch	JL. Daan Mogot No. 48, Kota Tangerang, Banten, 15111	14–16 October 2026
      Bank Danamon Jakarta Kelapa Gading 1 Branch	Jl. Boulevard Barat Blok XB No. 8, Lt. 3, Kelapa Gading, RW.5, West Kelapa Gading, Kelapa Gading, North Jakarta City, Jakarta 14240	14–16 October 2026
      Bank Danamon Kupang Sumatra Branch	JL. Sumatera No. 43 Kota Kupang Nusa Tenggara Timur 85228	21–23 October 2026
      Bank Danamon Jayapura A. Yani Branch	Jl. A.Yani No. 9, Kota Jayapura, Papua, 99111	21–23 October 2026
      Bank Danamon Jambi Kota Indah Branch	JL. Gatot Subroto Komp. Kota Indah Blok A-B No.1 Jambi, Kota Jambi, Jambi, 36134	4–6 November 2026
      Bank Danamon Dumai Sukajadi Branch	JL. DIPONEGORO NO. 81 A-B KOTA DUMAI RIAU, 28812	10–12 November 2026
      Bank Danamon Lampung Teluk Betung Branch	Jl. Pattimura No. 2-4, Telukbetung, Kota Bandar Lampung, Lampung, 35131	10–12 November 2026
      Bank Danamon Singkawang Niaga Branch	Jl. Niaga No. 5-7, Kota Singakawang, Kalimantan Barat, 79122	7–9 December 2026

   6. Customers must participate in the Program subject to the following terms and mini lucky-draw coupon allocation:
      1. Customers eligible to participate in this Program are:
         1. Invited Customers, meaning Customers who already hold a Bank Danamon product and/or service but have never participated in Program Danamon Hadiah Beruntun; or
         2. New Customers, meaning Customers who do not yet hold a Bank Danamon product and/or service.
      2. Customers must participate in and meet the terms and conditions of Program Danamon Hadiah Beruntun 6.0 by:
         1. Participating in Savings Draw Scheme – Funds Holding by holding at least IDR 100,000,000 (one hundred million rupiah) in a Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings Account.
         2. Conducting foreign exchange (FX) purchase transactions in 2 (two) different currencies, each equivalent to IDR 5,000,000 (five million rupiah), through the D-Bank PRO mobile banking app on the same day the funds are held.
      3. The General Terms and Conditions of Program Danamon Hadiah Beruntun are available on Bank Danamon’s official website at bdi.co.id/dhb6.
   7. For participating in the Program as referred to in item 6 (six) above, the Customer is entitled to 1 (one) mini lucky-draw coupon.
   8. Customers must participate in the Program as referred to in item 6 (six) above on the same day at a Danamon Travel Fair Event during the Program Period.
   9. Each Customer may participate in the Program only 1 (one) time, and participation cannot be multiplied.
   10. Customers will continue to receive interest (conventional) or profit sharing (sharia) in accordance with the applicable terms.
4. Reward Distribution Terms
   1. Customers who have met all Program Terms and Conditions may collect the number of mini lucky-draw coupons specified in item III.7 above at a Danamon Travel Fair Event, subject to quota availability, for a chance to win the following rewards (“Rewards”):

      Reward	Quantity (Units)
      Travel Voucher IDR 3 Million	2
      Travel Voucher IDR 2 Million	6
      Travel Voucher IDR 1 Million	12
      Total	20

   2. If the Reward quota has been exhausted, Customers will not have an opportunity to participate in the lucky draw.
   3. Lucky-draw Rewards will be presented directly to Customers during the Program.
   4. The following terms and conditions apply to the Travel Voucher Reward:
      1. The Travel Voucher must be redeemed by the Customer personally and cannot be redeemed by a representative.
      2. The Travel Voucher may only be used for a product purchase at the Danamon Travel Fair Event on the same day the Travel Voucher Reward is received.
      3. After receiving the Reward, the Customer must complete payment for the Travel Agent service-order invoice at the Bank Danamon Travel Fair Event using a Bank Danamon-issued Debit/ATM Card, Credit Card or Charge Card, and present the Travel Voucher to the Travel Agent cashier.
      4. The Travel Voucher applies to 1 (one) invoice only, cannot be combined across multiple invoices, cannot be used for a split bill and cannot be used more than 1 (one) time.
   5. The Reward cannot be exchanged for cash, goods or any other form of reward.
   6. Bank Danamon is not the warranty provider for Rewards received under this Program. Any complaint concerning the quality of a Reward must therefore be submitted directly to the relevant manufacturer.
   7. Bank Danamon applies the prevailing tax regulations to this Program. Any tax obligations arising from the Program are the respective responsibility of Bank Danamon and the Customer before the tax authorities.
5. Program Risks
   1. Customers will not have an opportunity to collect a mini lucky-draw coupon if the Reward quota referred to in item IV.1 above has been exhausted.
   2. If a Customer wins a Travel Voucher through the mini lucky draw but does not redeem it on the day it is received or use it for a product purchase at the Danamon Travel Fair Event, the Travel Voucher will become invalid.
6. Program Simulation

   No.	Customer Name	Program Participation Details	Benefit Received by the Customer
   1	Customer A (New Customer)	On 21 October 2026, Customer A opens a Danamon LEBIH PRO account and holds IDR 100 million to participate in Savings Draw Scheme – Funds Holding under Program Danamon Hadiah Beruntun at the Bank Danamon Kupang Sumatra Branch. The Customer purchases USD and SGD through D-Bank PRO on the same date, each equivalent to IDR 5 million. The Customer redeems the Travel Voucher at the Bank Danamon Kupang Sumatra Branch on 21 October 2026.	The Customer receives 320 draw points for participating in period 1 of the Program Danamon Hadiah Beruntun Savings Draw: Main points: 200 points for holding IDR 100 million (50 points for every IDR 25 million held, for a New Customer). Additional points: 100 points for holding IDR 100 million in a Tabungan Danamon LEBIH PRO Account. 20 points for 2 (two) FX transactions through D-Bank PRO, each equivalent to at least IDR 5 million. The Customer will participate in period 1 of the Savings Draw in the minimum IDR 50 million average-balance increase tier, with a Yamaha Fazzio and a USD 300 Danamon LEBIH PRO Savings Account as the prizes. The Customer is eligible to receive 1 (one) lucky-draw coupon for a Travel Voucher, which may only be redeemed at the event held at the Bank Danamon Kupang Sumatra Branch.
   2	Customer B (New Customer)	On 21 October 2026, Customer B opens a Danamon LEBIH PRO account and holds IDR 100 million to participate in Savings Draw Scheme – Funds Holding under Program Danamon Hadiah Beruntun at the Bank Danamon Kupang Sumatra Branch. The Customer purchases USD and SGD through D-Bank PRO on the same date, each equivalent to IDR 5 million. The Customer plans to redeem the Travel Voucher at the Bank Danamon Jambi Kota Branch on 5 November.	The Customer receives 320 draw points for participating in period 1 of the Program Danamon Hadiah Beruntun Savings Draw: Main points: 200 points for holding IDR 100 million (50 points for every IDR 25 million held, for a New Customer). Additional points: 100 points for holding IDR 100 million in a Tabungan Danamon LEBIH PRO Account. 20 points for 2 (two) FX transactions through D-Bank PRO, each equivalent to at least IDR 5 million. The Customer will participate in period 1 of the Savings Draw in the minimum IDR 50 million average-balance increase tier, with a Yamaha Fazzio and a USD 300 Danamon LEBIH PRO Savings Account as the prizes. The Customer is eligible to receive 1 (one) lucky-draw coupon for a Travel Voucher. However, the Travel Voucher cannot be redeemed at a branch or during a period different from the branch and period in which the Customer participated.
   3	Customer C (Invited Customer)	On 25 October 2026, Customer C holds IDR 500 million in a Danamon LEBIH PRO account to participate in Savings Draw Scheme – Funds Holding under Program Danamon Hadiah Beruntun at the Bank Danamon Kupang Sumatra Branch. The Customer purchases USD and SGD through D-Bank PRO on the same date, each equivalent to IDR 5 million.	The Customer receives 1,520 draw points for participating in period 1 of the Program Danamon Hadiah Beruntun Savings Draw: Main points: 1,000 points for holding IDR 500 million (50 points for every IDR 25 million held, for a New Customer). Additional points: 500 points for holding IDR 100 million in a Danamon LEBIH PRO Savings Account. 20 points for 2 (two) FX transactions through D-Bank PRO, each equivalent to at least IDR 5 million. The Customer will participate in period 1 of the Savings Draw in the minimum IDR 500 million average-balance increase tier, with a Honda Brio Satya and an IDR 45 million Gold Voucher as the prizes. However, Customer C is not eligible to receive a mini lucky-draw coupon because the Customer participates outside the specified period.
   4	Customer D (Existing Customer, not an Invited Customer)	On 21 October 2026, Customer D holds IDR 500 million in a Danamon LEBIH PRO account to participate in Savings Draw Scheme – Funds Holding under Program Danamon Hadiah Beruntun at the Bank Danamon Kupang Sumatra Branch. The Customer purchases USD and SGD through D-Bank PRO on the same date, each equivalent to IDR 5 million.	Customer D is not eligible to participate in the Savings Draw under the funds holding scheme or in the mini lucky-draw Program because the Customer does not meet the participant criteria for this Program.
   5	Customer E (NTB Customer)	On 25 October 2026, Customer E holds IDR 500 million in a Danamon LEBIH PRO account to participate in Savings Draw Scheme – Funds Holding a under Program Danamon Hadiah Beruntun at the Bank Danamon Menara Bank Danamon Branch. The Customer purchases USD and SGD through D-Bank PRO on the same date, each equivalent to IDR 5 million.	The Customer receives 1,520 draw points for participating in period 1 of the Program Danamon Hadiah Beruntun Savings Draw: Main points: 1,000 points for holding IDR 500 million (50 points for every IDR 25 million held, for a New Customer). Additional points: 500 points for holding IDR 100 million in a Danamon LEBIH PRO Savings Account. 20 points for 2 (two) FX transactions through D-Bank PRO, each equivalent to at least IDR 5 million. The Customer will participate in period 1 of the Savings Draw in the minimum IDR 500 million average-balance increase tier, with a Honda Brio Satya and an IDR 45 million Gold Voucher as the prizes. However, Customer E is not eligible to receive a mini lucky-draw coupon because the Customer participates at a branch other than the specified branches.

7. Customer Complaints
   1. Customers may submit verbal or written complaints regarding banking products/services through the nearest Bank Danamon branch, Hello Danamon (1-500-090) or by email to hellodanamon@danamon.co.id.
   2. The complaint-handling procedure is available at https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
8. Other Terms and Conditions
   1. Rewards and products and/or services provided by travel agents or airlines are not Bank Danamon products and remain entirely the responsibility of the relevant reward manufacturer, travel agent or airline. For any issues and/or complaints relating to those products and/or services, please contact the relevant reward manufacturer, travel agent or airline.
   2. Other terms and conditions relating to banking products and/or services remain valid and binding on Customers, unless otherwise stipulated in these General Program Terms and Conditions, and constitute an integral part of these General Program Terms and Conditions.
   3. These General Program Terms and Conditions constitute an integral part of the “General Terms and Conditions of PT Bank Danamon Indonesia Tbk Accounts and Banking Services”, “General Terms and Conditions of PT Bank Danamon Indonesia Tbk Sharia Accounts and Banking Services”, “General Terms and Conditions of Program Danamon Hadiah Beruntun 6.0” and “General Terms and Conditions of Program Aktivasi Foreign Currency (FCY) Danamon LEBIH PRO”. In the event of any discrepancy or conflict between those provisions and these General Program Terms and Conditions, these General Program Terms and Conditions will prevail.
   4. Customers hereby agree and acknowledge that Bank Danamon reserves the right to revise/amend/supplement these General Program Terms and Conditions from time to time. Any revision/addition/update to these General Program Terms and Conditions will be communicated through the communication media available at Bank Danamon. If there are changes to the benefits, risks, fees, terms or conditions under these General Program Terms and Conditions, Customers may submit a written objection to Bank Danamon within 30 (thirty) working days from the date the change is communicated through Bank Danamon’s communication media. Customers agree that they will be deemed to have accepted the change if they do not submit an objection within that period. If a Customer does not accept the change, the Customer may cancel their participation in the Program after first settling all obligations to Bank Danamon (if any).
   5. If any provision of these General Program Terms and Conditions is prohibited, unenforceable, invalid or declared null and void by a Government or court ruling, this will not affect the validity of the other provisions, which will remain valid, binding and enforceable as stipulated in these General Program Terms and Conditions.
   6. Customers declare that there are and will be no transactions indicating money laundering and/or other transactions prohibited under the prevailing laws and regulations of Indonesia.
   7. If there are indications of fraud, misconduct, transaction irregularities, unusual transactions, money laundering and/or actions that are inconsistent with the prevailing laws and regulations, Bank Danamon reserves the right to cancel the transaction, cancel the Customer’s participation in the Program and/or cancel the Reward granted to the Customer concerned. The Customer remains obliged to settle all obligations to Bank Danamon (if any).
   8. Customers agree that funds placed in a savings account with a return above the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation are not guaranteed by the Indonesia Deposit Insurance Corporation. Rewards received by Customers are also included in calculating the maximum guaranteed interest rate. Customers may obtain information about changes to the maximum guaranteed interest rate through a Bank Danamon branch or Hello Danamon.
   9. These General Program Terms and Conditions have been prepared in accordance with the prevailing laws and regulations, including Financial Services Authority regulations and the provisions on guaranteed interest under Indonesia Deposit Insurance Corporation regulations.
   10. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the Indonesia Deposit Insurance Corporation.

WARNING

Customers must beware of fraud committed by persons claiming to represent Bank Danamon and promising rewards in any form. Any fraud or other criminal act committed by another/third party in connection with or in the name of the Program is beyond Bank Danamon’s authority.

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 21 – 23 October October 2026, with the following details regarding its organisation:

   No	Period	City	Region	Venue
   1	21 - 23 Oct 2026	Kupang	BN08	Cabang Danamon Kupang Sumatera JL. Sumatera No. 43 Kota Kupang Nusa Tenggara Timur 85228
   2	21 - 23 Oct 2026	Jayapura	BN12	Cabang Danamon Jayapura A Yani Jl.A.Yani No.9, Kota Jayapura, Papua, 99111

   (“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.

   (“Program Period”)

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
      Kupang	Cabang Danamon Kupang Sumatera JL. Sumatera No. 43 Kota Kupang Nusa Tenggara Timur 85228	Tomoro Coffee Dining E.S.R Es Dawet Ayu Morige	Cashback 70% Up to IDR 25,000	200 Transactions	A maximum of 2 (two) cashback reward per merchant during the program period
      Jayapura	Cabang Danamon Jayapura A Yani Jl.A.Yani No.9, Kota Jayapura, Papua, 99111	Teras Rasa Akavi PT Deltasindo Sagita Mandiri Gemoy Coin (Marlinda) Kedai Azzaky Setia Tunggal Koko kembar Tahu bakso incezz Sagita Furniture

   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.