Terms and Conditions of the Danamon Hadiah Beruntun

The Program runs from 15 September 2026 to 30 April 2027 (“Program Period”).

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

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. Customers bear full responsibility for any risks of loss, demands, lawsuits and/or claims arising from their participation in and/or cancellation of their participation in this Program.
4. In the event that a Customer holds a Joint Account (either Joint OR or Joint AND), all balances and transactions carried out through that account shall be deemed to belong to or be for the Customer listed as the first name on the account. Balances in a Joint Account (either Joint OR or Joint AND) shall not be attributed to the Customer listed as the second or third name on the account.
5. This program consists of the following scheme:
   1. Savings Prize Draw Scheme
      1. Customers may participate in the Savings Prize Draw Scheme with a choice of 2 (two) Savings Prize Draw schedules as follows:

         Savings Prize Draw Period	Baseline Date (start date for balance calculation)	Average Balance Calculation Period	Savings Draw Period*)
         First Savings Prize Draw	31 August 2026	1 September 2026 – 31 December 2026	January 2027
         Second Savings Prize Draw	31 December 2026	1 January 2027 – 30 April 2027	May 2027

         *) The dates of the Savings Prize Draws will be announced by Bank Danamon via Bank Danamon’s official communication channels in accordance with applicable laws and regulations.

      2. To be eligible to participate in the Savings Prize Draw Scheme during the First Savings Prize Draw Period and/or the Second Savings Prize Draw Period as set out in point III.5.i.a above, Customers must carry out a transaction to increase their Average Monthly Balance or to block funds, subject to the following conditions:
         1. Increase in Average Monthly Balance
            1. Customers must increase the average monthly balance across all savings accounts held with Bank Danamon by a minimum of IDR 25,000,000.00 (twenty-five million rupiah).
            2. The average balance as referred to in point 1 (one) is calculated over the Average Balance Calculation Periodfor each Savings Draw Period (from 1 September 2026 to 31 December 2026 for the First Savings Draw Period, and from 1 January 2027 to 30 April 2027 for the Second Savings Draw Period).
            3. The average monthly balance during each of these periods will be compared with the total balance held across all the Customer’s savings accounts on the Baseline Date.
            4. If a customer holds a joint account (Joint OR or Joint AND), the average balance calculated for that joint account will only be attributed to the customer listed as the first name on the account.
            5. Savings and current account products with balances in foreign currencies will be converted into Indonesian rupiah at the exchange rate applicable at Bank Danamon on a daily basis.
            6. Current account products utilising the Current Account Loan (PRK) facility are not included in the calculation of the monthly average balance.
            7. If there is a balance or funds on hold in a savings and/or current account, such balance or funds shall not be included in the calculation of the monthly average balance.
            8. The average balance is calculated by dividing the total balance by the number of calendar days in the relevant month.
            9. Where a Customer holds both a savings account and a current account, the average balance of all current accounts must not fall below the average balance on the Baseline Date.
            10. For every increase in the average savings balance of IDR 25,000,000 (twenty-five million rupiah), the Customer will receive Savings Prize Draw Points subject to the following conditions:
                1. Customers who do not yet have an account and/or services with Bank Danamon (“New Customers”) or Customers who have never previously participated in the Danamon Hadiah Beruntun program (“Invited Customers”) will receive 50 (fifty) Savings Raffle Points, and this applies in multiples.
                2. Customers other than New Customers and Invited Customers will receive 25 (twenty-five) Savings Raffle Points, and this applies in multiples.
            11. If a Customer holds a Danamon LEBIH PRO Savings Account, they will receive an additional 25 (twenty-five) Savings Draw Points for every increase in the average balance of their Danamon LEBIH PRO Savings Account (total balance across all currencies) of IDR 25,000,000.00 (twenty-five million rupiah), and this applies in multiples.
         2. Funds Holding
            1. Fund Holding applies exclusively to New Customers or Invited Customers as designated and notified by Bank Danamon staff.
            2. New Customers and Invited Customers are required to hold the funds in their Danamon Bank savings accounts by completing and signing the Danamon Hadiah Beruntun Savings Draw Scheme Fund Holding Form (“Fund Holding Form”). For New Customers specifically, the holding must be carried out no later than 30 (thirty) working days from the date the account was opened.
            3. For New Customers and Invited Customers specifically, the following provisions regarding the placement and holding of funds apply:

               Fund Holding Period	Fund Holding Amount
               5 (five) months	Minimum of IDR 25,000,000.00

            4. For every IDR 25,000,000 (twenty-five million rupiah) of the held fund balance, the Customer will receive 50 (fifty) Savings Prize Draw Points, and this applies in multiples.
            5. The Customer hereby acknowledges and agrees that they may not request the release of the held funds before the expiry date of the hold (maturity date).
      3. Customers who have met the transaction requirements for Increasing the Average Monthly Balance or Holding Funds as set out in point b above may receive additional Savings Raffle Points subject to the following conditions:
         1. If the Customer opens a Tabungan BISA Umrah iB Account or an Tabungan Rencana Haji iB Account during the Program Period, the Customer will receive 10 (ten) Savings Draw Points per account successfully opened.
         2. If a Customer makes a transaction using a Danamon Debit/ATM Card at an offline merchant with a minimum value of IDR 2,000,000.00 (two million rupiah), the Customer will receive 1 (one) Savings Prize Draw Point, and this applies in multiples of the transaction amount.
         3. If a customer carries out a transaction via D-Bank PRO in accordance with the following conditions:

            No	Transaction Type	Minimum Transaction Amount	Transaction Points	Transaction Points Terms
            1.	Foreign Exchange Transactions	IDR 5,000,000.00 (five million rupiah)	10 Points (per transaction)	not applicable to multiples
            2.	Mutual Fund Transactions
            3.	Bond Transactions
            4.	Online Deposit Transactions
            5.	My Own Installment Transactions	IDR 20,000.00 (twenty thousand rupiah)	1 Point (per transaction)	not applicable to multiples
            6.	Money Transfer Transactions
            7.	Postpaid Mobile Phone Payments
            8.	PLN Bill Payment
            9.	Danamon Credit Card Payments
            10.	Payments for Other Banks’ Credit Cards
            11.	VA Payments
            12.	Telkom/Indihome Payments
            13.	Payments for TV/Internet Subscriptions
            14.	Insurance Premium Payments
            15.	Loan/multifinance repayments
            16.	Zakat/Infaq Payments
            17.	Education Payments
            18.	Water Bill/PDAM Payments
            19.	Property Tax Payments
            20.	Purchase of PLN Tokens
            21.	Streaming Voucher Purchases
            22.	Purchase of gaming vouchers
            23.	QRIS (credit card or savings account funding source)
            24.	e-Wallet Top-ups (Gopay, OVO, DANA, ShopeePay, LinkAja)
            25.	Top up Mandiri e-Money
            26.	Top-up mobile credit
            27.	Purchase of Internet Data Packages
            28.	Cardless Cash Withdrawals (Danamon ATMs, non-Danamon ATMs and Indomaret)
            29.	Request for Payment Transactions

      4. The Savings Prize Draw will be held at each Bank Danamon regional office as follows:

         Region	Coverage Area
         BN 01	Jakarta 1
         BN 02	Jakarta 2
         BN 03	Jakarta 3
         BN 05	West Java, excluding Bekasi and Karawang
         BN 06	Central Java and the Special Region of Yogyakarta
         BN 07	East Java
         BN 08	Bali and the Lesser Sunda Islands
         BN 09	North Sumatra (Aceh, Medan and Batam)
         BN 10	Lampung, South Sumatra, Riau, Jambi, West Sumatra, Bengkulu and Bangka Belitung
         BN 11	Kalimantan
         BN 12	Sulawesi and Eastern Indonesia

      5. The Savings Draw will be held 3 (three) times in each period and in each region, in accordance with the applicable prize tiers, namely Tier 1, Tier 2, Tier 3 and Tier 4, as set out in the following table (“Savings Draw Prize Tiers”):

         Savings Draw Tier	Minimum Average Balance Increase or Minimum Deposit and Held Funds	Prize	Number of Units per Region per Savings Draw Period	Total Units per Savings Draw Period
         Tier 1	IDR 1,000,000,000.00	Mitsubishi Destinator GLS	1	11
         		Gold Voucher worth Rp150 million	2	22
         Tier 2	IDR 500,000,000.00	Honda Brio Satya E CVT	1	11
         		Gold Voucher worth Rp45 million	2	22
         Tier 3	IDR 50,000,000.00	Yamaha Fazzio Hybrid	1	11
         		Savings Balance Danamon LEBIH PRO / Danamon LEBIH PRO iB USD equivalent to $300	3	33
         Tier 4	IDR 25,000,000.00	11-inch iPad	2	22
         		Savings Balance Danamon LEBIH PRO / Danamon LEBIH PRO iB USD equivalent to $150	5	55

      6. Customers who meet the criteria for each tier will be entered into the Savings Draw in accordance with the region where their account is registered.
      7. If a customer meets the eligibility criteria for a previous Savings Draw tier but is not selected as a winner when that tier’s Savings Draw is held, that customer will be entered into the next Savings Draw tier.
      8. In the event that the number of eligible customers in a particular region is fewer than the prize quota available for that tier of the Savings Draw, Bank Danamon reserves the right to allocate the remaining prize quota to another region.
      9. Should a Customer who meets the requirements for the Tier 1 Savings Prize Draw or the Tier 2 Savings Prize Draw not be selected as a winner in their respective Tier, that Customer will receive a cashback subject to the following conditions:

         Savings Prize Draw Tier	Cashback Amount
         Tier 1	IDR 3,000,000.00
         Tier 2	IDR 1,500,000.00

      10. Savings Draw Points will be forfeited or excluded from the calculation if the savings balance or average savings balance in the final month of the Draw Period is zero or if the account is closed.
      11. Bank Danamon’s resolution regarding the Savings Draw results is final and binding.
   2. Grand Prize Draw Scheme
      1. Customers who have taken part in the Savings Prize Draw Scheme are eligible to enter the Grand Prize Draw.
      2. The Grand Prize Draw will be held 3 (three) times in accordance with the applicable prize tiers, namely Tier 1, Tier 2 and Tier 3, as set out in the following table:

         Grand Prize Draw Tiers	Grand Prize Draw Prizes	Number of Units
         Tier 1	Mercedes-Benz A200	1
         Tier 2	Travel voucher worth Rp30 million	25
         Tier 3	Danamon LEBIH PRO / Danamon LEBIH PRO iB in USD with a balance of $100	150

      3. The Grand Prize Draw will be held concurrently with the Period 2 Savings Draw. The date of the Grand Prize Draw will be announced by Bank Danamon via the Bank’s official communication channels in accordance with applicable laws and regulations
      4. The resolution regarding the Grand Prize Draw is final and non-negotiable.
6. The prize draw process to determine the Customers who will receive prizes (for both the Savings Draw and the Grand Prize Draw) will be conducted openly via the means determined by Bank Danamon in accordance with applicable laws and regulations.
7. Should there be any discrepancy between the data held by the Customer and that held by Bank Danamon in relation to the Program, the data held by Bank Danamon shall be deemed correct, unless the Customer can prove otherwise.
8. In the implementation of the Program, Bank Danamon shall not charge any fees to Customers participating in the Program, except for costs for which the prize-winning Customer is responsible, including but not limited to the processing of documents and other relevant costs in accordance with the provisions of applicable laws and regulations.

1. Customers have the opportunity to win prizes in each Program Scheme (the Savings Prize Draw Scheme and the Grand Prize Draw Scheme)
2. The terms and conditions for the awarding of prizes under the Savings Draw Scheme are as follows:
   1. Customers who win a prize in the Savings Draw Scheme will be contacted by Bank Danamon via the telephone number and/or email address registered with Bank Danamon within a maximum of 14 (fourteen) working days following the date on which the Savings Draw is held.
   2. Savings Draw prizes will be collected at a Bank Danamon branch.
   3. Customers must collect their prizes at a Bank Danamon branch within a maximum of 60 (sixty) working days for gadgets and vouchers, or 90 (ninety) working days for vehicles, from the date on which the customer is notified as the winner of the Savings Draw and has fulfilled the documentation requirements set by Bank Danamon regarding the awarding of prizes. If the prize is not collected within a maximum period of 90 calendar days from the end of the Program Period, the winning customer shall not be entitled to, nor may they make any claim or demand against Bank Danamon regarding the prize not collected by the winning customer.
   4. Specifically for Savings Draw prizes in the form of a Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings account balance, the Customer must already hold a Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings account. Should the Customer not yet hold such an account, they must open one before the prize is credited, so that the Bank may credit the prize balance to the relevant account.
   5. The prize, in the form of a savings balance, will be credited to the Tabungan Danamon LEBIH PRO/Danamon LEBIH PRO iB Account within a maximum of 30 (thirty) working days from the date the Customer is notified as the winner of the Savings Draw or from the date the Tabungan Danamon LEBIH PRO/Danamon LEBIH PRO iB Account is opened. If the Customer fails to open a Tabungan Danamon LEBIH PRO/Danamon LEBIH PRO iB Account within a maximum period of 90 (ninety) calendar days from the end of the Program Period, the winning Customer shall not be entitled to, nor may they make any claim or demand against Bank Danamon in respect of the prize.
   6. Specifically for cashback prizes, these will be credited to the savings account within 30 (thirty) working days from the date the winner of the Savings Draw is notified.
3. The terms and conditions for the awarding of prizes under the Grand Prize Draw Scheme are as follows:
   1. Customers who win a prize in the Grand Prize Draw Scheme will be contacted by Bank Danamon via the telephone number and/or email address registered with Bank Danamon within a maximum of 10 (ten) working days following the date of the Grand Prize Draw.
   2. Grand Prize Draw prizes will be awarded via a Bank Danamon branch.
   3. Customers must collect their prizes at a Bank Danamon branch within a maximum of 60 (sixty) working days for gadgets and vouchers, or 90 (ninety) working days for vehicles, from the date on which they are notified as winners of the Grand Prize Draw and have fulfilled Bank Danamon’s requirements regarding the necessary documentation for prize delivery. If a prize is not collected within a maximum period of 90 calendar days from the end of the program period, the winning customer shall not be entitled to, nor may they make any claim or demand against Bank Danamon regarding the prize not collected by the winner.
   4. Specifically for the Grand Prize draw prize in the form of a Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings account balance, the Customer must already hold a Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings account. Should the Customer not yet hold such an account, they must open one prior to the prize crediting date, so that the Bank may credit the prize balance to the relevant account.
   5. The prize, in the form of a savings balance, will be credited to the Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings Account within a maximum of 30 (thirty) working days from the date the Customer is notified as the winner of the Grand Prize Draw and/or opens a Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings Account. If the Customer fails to open a Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings Account within a maximum period of 90 (ninety) calendar days from the end of the Program Period, the winning Customer shall not be entitled to, nor may they make any claim or demand against Bank Danamon regarding the prize.
4. When collecting the prize at a Bank Danamon branch, the winning Customer must present identification documents and/or other documents in accordance with Bank Danamon’s policies.
5. Prizes in the form of vehicles will be provided “off the road”, and Bank Danamon is not involved in the process of registering the vehicle in the winner’s name. Vehicle registration documents and any other associated costs shall be borne by the prize-winning customer.
6. The type, colour and model of the prize awarded to the winning customer will be subject to stock and availability. Bank Danamon does not accommodate special requests regarding colour, size, upgrades, exchanges or other requests that do not comply with the prize specifications.
7. Prizes cannot be exchanged for cash, goods or any other form of compensation.
8. Bank Danamon does not act as a guarantor for prizes received by customers under this Program; therefore, any complaints regarding the quality of the prize must be addressed directly to the manufacturer of the prize.
9. Customers must inspect the gift before accepting it. If the gift received by the Customer is damaged or defective (due to manufacturing or delivery), the Customer may report this to Bank Danamon no later than 1 (one) working day from the date the gift was received. If the Customer submits a complaint after this deadline, the matter must be taken up with the manufacturer of the gift.
10. All tax calculations are made in accordance with the applicable tax regulations in Indonesia. Tax on the gift is borne by Bank Danamon
11. All matters relating to the calculation and reporting of tax on prizes received by the Customer are the sole responsibility of the Customer (on a self-assessment basis).

1. Customers will not be eligible to participate in the Program if they close all their Bank Danamon savings accounts before the end of the programme period as stated in point III.5.I.a above.

1. Simulation of the Savings Prize Draw Scheme
2. Grand Prize Draw Program Simulation

   • Simulation A – Customers participating in the Savings Draw Scheme across 2 (two) periods
     Participation in the Savings Draw:

     Lottery Period	Eligible Participation	Number of draw points
     First Savings Prize Draw	Yes	1,300
     Second Savings Prize Draw	Yes	4,532
     Total		5,832

     Customers are eligible to participate in the Grand Prize Draw Scheme.

   • Scenario B – Customers participating in the Savings Prize Draw Scheme in only one period
     Participation in the Savings Prize Draw Scheme:

     Draw Period	Eligibility for Participation	Number of draw points
     First Savings Draw	No	0
     Second Savings Prize Draw	Yes	5,430
     Total		5,430

     Customers are eligible to take part in the Grand Prize Draw Scheme.

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 athellodanamon@danamon.co.id .
2. The procedure regarding the complaints service can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. Any 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 Customer and shall form an integral and inseparable part of the General Terms and Conditions of this Program.
2. These General Terms and Conditions of the Program form an integral and inseparable part of the “General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk”, the “General Terms and Conditions for Sharia Accounts and Banking Services of PT Bank Danamon Indonesia Tbk”, the “General Terms and Conditions for Danamon LEBIH PRO Savings”, the “General Terms and Conditions for the Danamon LEBIH PRO iB Savings Account”, the “General Terms and Conditions for Danamon Debit/ATM Cards”, the “General Terms and Conditions for Danamon Privilege Services”, and the “General Terms and Conditions for D-Bank PRO Services”. In the event of any discrepancy or conflict between these provisions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
3. The terms and conditions relating to voucher rewards, including but not limited to the technical procedures for redemption at vendors designated by Bank Danamon and the validity period of vouchers/e-vouchers, shall be governed by the terms and conditions set by the vendors designated by Bank Danamon.
4. In the event of force majeure, including but not limited to natural disasters, system disruptions, government policies, or other circumstances beyond Bank Danamon’s control, Bank Danamon reserves the right to:
   1. Postpone or suspend the Program;
   2. Postpone or cancel the awarding of prizes to winners; and
   3. Amend the Programme Period and/or the Programme’s implementation mechanism.
5. The Customer hereby agrees and acknowledges that Bank Danamon is entitled to amend, modify or supplement the General Terms and Conditions of this Program from time to time. Any amendments, additions or updates to the General Terms and Conditions of this 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 the General Terms and Conditions of this 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).
6. The Customer understands that for certain changes in accordance with the provisions of applicable laws and regulations, the Notice Period for Changes may be waived.
7. If any provision of these General Terms and Conditions of the Program is, by virtue of a Government regulation or a court ruling, prohibited or unenforceable, or becomes invalid or is declared null and void, this shall not affect the validity of the other provisions of these General Terms and Conditions of the Program, and such other provisions shall remain in full force and effect and shall be enforceable as set out in these General Terms and Conditions of the Program.
8. The Customer declares that there are no, and will be no, transactions indicating money laundering offences and/or other transactions prohibited under the laws and regulations in force in Indonesia.
9. Should there be any indication of fraud, deception, transaction irregularities, unusual transactions, money laundering and/or actions that contravene applicable laws and regulations, Bank Danamon reserves the right to cancel the transaction, terminate participation in the Program, or withhold the award from the Customer concerned. The Customer remains obliged to settle all their obligations to Bank Danamon (if any).
10. The Customer agrees that funds placed in a savings account with a return exceeding the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation are not guaranteed by the Indonesia Deposit Insurance Corporation. Prizes 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.
11. The General Terms and Conditions of this Program have been aligned with applicable laws and regulations, including the regulations of the Financial Services Authority and the deposit insurance interest rate provisions set out in the regulations of the Indonesia Deposit Insurance Corporation.
12. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a participant in the Indonesia Deposit Insurance Corporation.

Customers must be wary of fraud committed by individuals posing as representatives of Bank Danamon who promise prizes of any kind. Any fraud or other criminal acts committed by other parties or third parties associated with or claiming to represent the Program are beyond the control of Bank Danamon.