One Action, A Million Acts of Kindness – Group Participation

The Program runs from 26 September 2026 to 26 November 2026 (“Program Period”).

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

1. Individuals who hold a Danamon LEBIH PRO Savings Account.
2. Kanisius alumni who hold a Yayasan Kanisius Alumni Membership ID Card in the application operated by Yayasan Cani Dua Ribu Dua Peduli.

1. Each Customer participating in the Program must first register by completing and signing the Program Participation Form.
2. Customers must ensure that their data, including but not limited to their address, telephone number and email address, are up to date.
3. Customers must read and understand these General Program Terms and Conditions.
4. 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.
5. The Customer 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.
6. Customers must hold a Danamon LEBIH PRO Savings Account. Customers who do not yet hold one must first open a Danamon LEBIH PRO Savings Account.
7. Customers may hold funds in their Bank Danamon account according to the scheme in the table under item III.11 below (“Group Participation”).
8. Customers must place fresh funds in the Danamon LEBIH PRO account used to participate in the Program by transferring funds from another bank (“Fresh Fund Placement”).
9. The Customer’s funds must be held on the same day that the Customer joins the Program.
10. The Fresh Fund Placement must be made no more than 7 (seven) calendar days before the funds are held.
11. Customers who have made the Fresh Fund Placement and held the funds will receive a Reward in accordance with the table below:

    Program Scheme	Amount Reward for Customer	Amount of Donation through the Foundation	Tenor (months)	Amount of Held Funds (per Program Participation)	Penalty Fee (per Program Participation)
    Group Participation	IDR175,000	IDR175,000	12	IDR10,000,000	IDR500,000
    	IDR450,000	IDR450,000		IDR25,000,000	IDR1,200,000

Note: the donation through the Foundation will only be made if there are at least 20 (twenty) participations in the Group Participation Scheme during the Program Period. If this condition is not met, the entire Reward will be granted to the Customer.

12. Customers may participate in the Program more than once during the Program Period.
13. Customers will continue to receive conventional interest in accordance with the applicable terms.
14. Customers may cancel their participation by visiting the Bank Danamon branch where they registered for the Program and signing the Program Participation Cancellation Form.
15. If the Customer cancels their participation or fails to meet all Program Terms and Conditions, the Customer will be charged the Penalty Fee stipulated under item III.11 above. The Customer must pay the Penalty Fee in one lump sum by authorising Bank Danamon to debit the Customer’s Bank Danamon account.

1. The Customer agrees that if there are 20 (twenty) participations in the Group Participation Scheme during the Program Period, the reward will be divided between the Customer and Yayasan Cani Dua Ribu Dua Peduli in accordance with the Program provisions (“Reward”).
2. The Reward referred to in item 1 will be distributed as follows:
   1. Cashback Reward to the Customer (“Customer Cashback Reward”);
   2. Donation Reward through the Foundation (“Donation Reward”).

   The Reward amount granted to each party corresponds to the amount stated under item III.11.

3. Bank Danamon will credit the Customer Cashback Reward to the Danamon LEBIH PRO account of a Customer who meets these General Program Terms and Conditions. The Donation Reward will be transferred to Yayasan Kanisius through the account designated in Promotion Cooperation Agreement No. S.882-CCFW.2026, account number 006600756065 in the name of Yayasan Cani Dua Ribu Dua Peduli (“Foundation Account”).
4. If the condition under item 1 (one) above has not been met by the end of the Program Period, the Customer will receive both the Customer Cashback Reward and the Donation Reward, which Bank Danamon will credit to the Danamon LEBIH PRO account of the Customer who meets these General Program Terms and Conditions.
5. The Reward will be transferred to Yayasan Cani Dua Ribu Dua Peduli and/or the Customer’s Danamon LEBIH PRO Savings Account in accordance with items 1 to 4 above, no later than 20 (twenty) working days after the Program Period ends.
6. Tax on the Donation Reward is borne by Bank Danamon. The Customer or Yayasan Cani Dua Ribu Dua Peduli is fully responsible for calculating and reporting any tax relating to the Donation Reward received, on a self-assessment basis.

1. The Customer hereby authorises Bank Danamon to: (i) freeze and unfreeze funds in accordance with the Participation Form and these General Program Terms and Conditions; and/or (ii) debit the Customer’s Bank Danamon account to pay the Penalty Fee if the Customer cancels the Program or does not meet these General Program Terms and Conditions; and (iii) make a donation to Yayasan Cani Dua Ribu Dua Peduli 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 has fully discharged all obligations to the Bank, the authorisation is irrevocable and will not terminate for any reason, including but not limited to the circumstances described in Articles 1813, 1814 and 1816 of the Indonesian Civil Code, and forms an integral part of these General Program Terms and Conditions.

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 complete Customer complaint-handling procedure and mechanism are available on Bank Danamon’s official website at www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. These General Program Terms and Conditions form an integral part of the “General Terms and Conditions of Accounts and Banking Services of PT Bank Danamon Indonesia Tbk”, the “General Terms and Conditions of Danamon LEBIH PRO Savings”, and/or other terms and conditions relating to banking products and/or services. If any of those provisions differ from or conflict with these General Program Terms and Conditions, these General Program Terms and Conditions shall prevail.
2. 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).
3. Customers understand that the notice period for certain changes may be waived in accordance with applicable laws and regulations.
4. If any provision of these General Program Terms and Conditions is prohibited, unenforceable, invalid or declared void by a government or court decision, this will not affect the validity of the remaining provisions, which shall remain effective, binding and enforceable as set out herein.
5. The Customer declares that there are no, and will be no, transactions suspected of involving money laundering and/or other transactions prohibited under applicable Indonesian laws and regulations.
6. 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 cancel the reward granted to the Customer concerned. The Customer remains obliged to settle all obligations to Bank Danamon (if any).
7. The Customer agrees 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 covered by its guarantee. The Reward received by the Customer is also included when calculating the maximum guaranteed interest rate. Information on changes to the maximum guaranteed interest rate is available through Bank Danamon branches or Hello Danamon.
8. These General Program Terms and Conditions comply with applicable laws and regulations, including the regulations of the Financial Services Authority and the guaranteed-interest provisions under the regulations of the Indonesia Deposit Insurance Corporation.
9. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a participant in the deposit guarantee scheme of the Indonesia Deposit Insurance Corporation.

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.