General Terms and Conditions of the Danamon – Home Credit Indonesia Exhibition

The Program will run from 9 to 20 November 2026 (“Program Period”).

This Program is open only to individual customers of the Bank (“Customers”) who visit one of the Bank branches listed below for the Program event during the Program Period (“Danamon – Home Credit Indonesia Exhibition Event”):

1. Customers must read and understand the General Terms and Conditions of the Program.
2. The Bank 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 all risks, losses, demands, lawsuits and/or claims arising in connection with their participation in and/or the cancellation of their participation in this Program.
4. By carrying out a transaction in accordance with these General Terms and Conditions of the Program, Customers are deemed to have read, understood and agreed to participate in the Program and to be bound by these General Terms and Conditions of the Program. The transaction constitutes valid evidence of the Customer’s participation in the Program and agreement to be bound by the General Terms and Conditions of the Program.
5. No fee is charged for participation in this Program, except for administration fees that may be imposed by the Partner in connection with the financing application.

1. The Program applies to Customers who attend the Danamon – Home Credit Indonesia Exhibition Event and purchase a Product during the Program Period.
2. Customers must:
   1. Maintain an active individual savings account with the Bank;
   2. Open a savings account at a Bank branch if they do not yet maintain an active account with the Bank;
   3. Purchase an eligible iPhone or Samsung series product (“Product”) offered at a Bank branch during the Danamon – Home Credit Indonesia Exhibition Event using financing from the Partner applied for through the My Home Credit application; and
   4. Register/link Direct Debit Danamon (recurring) as the source of installment payments for the purchase of an iPhone or Samsung series product referred to in point c, using the Customer’s Danamon savings account number in the Partner’s My Home Credit application. For Tabungan Danamon LEBIH PRO, the account will be debited from the rupiah-denominated account.
3. For Product purchases that comply with point 2 above, Customers who meet the Partner’s applicable credit underwriting criteria will be eligible for financing from the Partner with the following details:

Triple Zero Program (0% Promotional Interest Rate, IDR 0 Administration Fee and IDR 0 Monthly Fee)

Conditional 0% Special Interest Program

0.99% Special Interest Program

Light Installment Program with 2.25% Interest Rate and No Administration Fee

hereinafter referred to as the “Partner Financing Promotion”. Other provisions, including insurance coverage and any other applicable fees, shall be subject to the Partner’s terms and conditions.

Program Illustration Example:

1. Program Illustration Flow 1 (Customer already maintains a Danamon account and receives the Partner Financing Promotion)
   1. Customer A intends to purchase a Samsung S26 using the Partner’s financing at the BDI Surabaya Gubernur Suryo branch for IDR 18,000,000 on 10 November 2026.
   2. Customer A already maintains a Tabungan Danamon LEBIH PRO account and agrees to register/link Direct Debit Danamon. Customer A is therefore eligible to apply for financing from the Partner under the Partner Financing Promotion.
   3. If Customer A meets the Partner’s applicable financing underwriting criteria, the Partner’s financing agreement in the My Home Credit application will be approved and established under the applicable Partner Financing Promotion.
   4. Based on the Partner’s assessment of Customer A’s profile, the interest rate applicable to Customer A’s installments is 0.99%.
   5. The administration fee for the Partner’s financing payable by Customer A is IDR 299,000.
   6. Customer A will then be instructed to link Direct Debit Danamon to the financing agreement for the Samsung S26 purchase through the My Home Credit application.
   7. In December 2026, Customer A will make the first installment payment of IDR 1,500,000 and will be charged a monthly fee of IDR 10,000 each month thereafter. The payments will be automatically debited through the linked Direct Debit Danamon service, provided that the account balance is sufficient.
2. Program Illustration Flow 2 (Customer does not yet maintain a Danamon account, receives the Partner Financing Promotion and makes installment payments on time)
   1. Customer B intends to purchase an iPhone 18 Pro using the Partner’s financing at the BDI Surabaya Gubernur Suryo branch for IDR 28,000,000 on 12 November 2026.
   2. Customer B does not yet maintain a Danamon account and will therefore be instructed to open an account at a Danamon branch. Once the account has been opened and Customer B agrees to register/link Direct Debit Danamon, Customer B will be eligible to apply for financing from the Partner under the Partner Financing Promotion.
   3. If Customer B meets the Partner’s applicable financing underwriting criteria, the Partner’s financing agreement in the My Home Credit application will be approved and established under the applicable Partner Financing Promotion.
   4. Based on the Partner’s assessment of Customer B’s profile and the 14-month term selected by Customer B, the applicable interest rate is 0%.
   5. The administration fee for the Partner’s financing payable by Customer B is IDR 0.
   6. Customer B will then be instructed to link Direct Debit Danamon to the financing agreement for the iPhone 18 Pro purchase through the My Home Credit application.
   7. In December 2026, Customer B will make the first installment payment of IDR 2,400,000 and will be charged an IDR 0 monthly fee each month thereafter. The payments will be automatically debited through the linked Direct Debit Danamon service, provided that the account balance is sufficient.
   8. Customer B makes the installment payments on time each month and is therefore only required to make installment payments of IDR 2,400,000 for 12 months.
3. Program Illustration Flow 3 (Customer already maintains a Danamon account, receives the Partner Financing Promotion and makes a late installment payment)
   1. Customer C intends to purchase an iPhone 18 Pro using the Partner’s financing at the BDI Surabaya Gubernur Suryo branch for IDR 28,000,000 on 15 November 2026.
   2. Customer C already maintains a Tabungan Danamon LEBIH PRO account and agrees to register/link Direct Debit Danamon. Customer C is therefore eligible to apply for financing from the Partner under the Partner Financing Promotion.
   3. If Customer C meets the Partner’s applicable financing underwriting criteria, the Partner’s financing agreement in the My Home Credit application will be approved and established under the applicable Partner Financing Promotion.
   4. Based on the Partner’s assessment of Customer C’s profile, the interest rate applicable to Customer C’s installments is 0%.
   5. The administration fee for the Partner’s financing payable by Customer C is IDR 0.
   6. Customer C will then be instructed to link Direct Debit Danamon to the financing agreement for the iPhone 18 Pro purchase through the My Home Credit application.
   7. In December 2026, Customer C will make the first installment payment of IDR 2,400,000 and will be charged an IDR 0 monthly fee each month thereafter. The payments will be automatically debited through the linked Direct Debit Danamon service, provided that the account balance is sufficient.
   8. However, in the 12th month, the account balance is insufficient and the Customer does not add funds to the account by the due date. Customer C therefore makes a late installment payment and must pay installments for an additional 2 (two) months. Accordingly, Customer C must make installment payments of IDR 2,400,000 for 14 months.

1. Customers may submit complaints regarding banking products/services, either verbally or in writing, through the nearest Bank branch, Hello Danamon at 1-500-090, or by email at hellodanamon@danamon.co.id.
2. The complaint-handling procedures are available at https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

Customers will not be eligible for financing from the Partner if they fail to meet the Partner’s underwriting requirements.

1. These General Terms and Conditions of the Program constitute an integral part of the “General Terms and Conditions of Accounts and Banking Services of PT Bank Danamon Indonesia Tbk” and the “General Terms and Conditions of the Danamon Online Payment Direct Debit Service”. In the event of any discrepancy or conflict between those terms and conditions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program will prevail.
2. The Partner’s products and/or services are not products and/or services of Bank Danamon and are not the responsibility of Bank Danamon; they remain entirely the responsibility of the Partner. For any issue and/or complaint relating to the Partner’s products and/or services, Customers may contact the Partner via WhatsApp/telephone at (021) 2953 9600 or by email at care@homecredit.co.id.
3. Customers hereby agree and acknowledge that the Bank reserves the right to revise/amend/supplement these General Terms and Conditions of the Program from time to time. Any revision/addition/update to these General Terms and Conditions of the Program will be notified through the communication media available at the Bank. In the event of any change to the benefits, risks, fees, terms or conditions under these General Terms and Conditions of the Program, Customers may submit a written objection to the Bank within 30 (thirty) Working Days from the date on which the Bank provides notification of the change through the Bank’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 agree to the change, the Customer may cancel their participation in the Program after first settling all outstanding obligations to the Bank (if any).
4. Customers understand that, for certain amendments and in accordance with the applicable laws and regulations, the amendment notification period may be waived.
5. Customers declare that they are not conducting and will not conduct any transactions suspected of constituting money laundering and/or any other transactions prohibited under the applicable laws and regulations in Indonesia.
6. If there is any indication of fraud, misconduct, misuse, transaction irregularities, unusual transactions, money laundering and/or actions that do not comply with the applicable laws and regulations, the Bank reserves the right to cancel the transaction, terminate the use of the Bank’s products/services, cancel participation in the Program and/or cancel the provision of Program benefits to the relevant Customer. The Customer remains obliged to settle all outstanding obligations to the Bank (if any).
7. If any provision of these General Terms and Conditions of the Program is prohibited, unenforceable, rendered invalid or declared null and void by virtue of a government or court decision, this will not affect the validity of any other provision of these General Terms and Conditions of the Program. All other provisions will remain valid, binding and enforceable as stipulated herein.
8. If any irregularity relating to this Program is identified or any fraud is suspected, Customers are advised to report it immediately through Hello Danamon.
9. These General Terms and Conditions of the Program have been prepared in accordance with the applicable laws and regulations, including the regulations of the Financial Services Authority.
10. The headings and terms used in these General Terms and Conditions of the Program are intended solely to facilitate understanding of their contents.
11. 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 guarantee program.
12. PT Home Credit Indonesia (HCI) is licensed and supervised by the Financial Services Authority.

Customers must remain vigilant against fraud perpetrated by individuals acting in the name of the Bank and promising rewards of any kind. Any fraud or other criminal acts committed by other parties or third parties in connection with, or in the name of, the Program are outside the Bank’s authority and responsibility.