These General Terms and Conditions of Kredit Pemilikan Mobil (KPM) Prima Payroll Program (“General Terms and Conditions of the Program”) apply to Customers participating in Kredit Pemilikan Mobil (KPM) Prima Banking Payroll Program (“Program”), organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”) in cooperation with PT Adira Dinamika Multi Finance Tbk (“Adira Finance”).

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

Program Period

The Program runs from 1 October 2026 to 31 October 2026 (“Program Period”).

Benefits of KPM Prima Payroll (Mobil)

1. The special KPM Prima Payroll interest rate starts from 1.99% per annum and is flat and fixed throughout the financing term.
2. Conventional and sharia schemes are available.
3. 0% provision fee.
4. Comprehensive insurance coverage includes:
   • Vehicle Insurance
   • Personal Accident (PA) Insurance
   • Extended Insurance (Natural Disasters, Riots and Third-Party Risk) – Optional

Participants Criteria and Document Requirements

Customers applying for KPM Prima Payroll financing must meet the following criteria:

1. Bank Danamon Customers who hold an active (non-dormant) Danamon Payroll Savings account.
2. The Customer must be an Indonesian citizen.
3. The Customer must use the autodebit facility from a Bank Danamon account as the installment payment method.
4. The Customer must be an employee, professional or self-employed individual.
5. Employment/Business Tenure:
   • Employees: at least 1 (one) year with the same company.
   • Professionals: at least 2 (two) years.
   • Self-employed individuals: at least 2 (two) years.
6. At least 21 (twenty-one) years old or previously married.
7. No more than 55 (fifty-five) years old at the end of the term.
8. The Customer must pass the Financial Information Services System (SLIK) check of the Financial Services Authority and must not be included on Bank Indonesia’s National Blacklist.
9. The application mechanism and document requirements for the KPM Prima credit facility are subject to Adira Finance’s applicable terms and conditions. https://www.adira.co.id/produk/metalink/kredit-mobil
10. The application process, including the assessment of the KPM Prima product, is under the authority of Adira Finance. Bank Danamon is therefore not responsible for Adira Finance’s decision on a KPM Prima credit application submitted by the Customer.

Pricing Table

Information on interest rates, financing terms, down-payment percentages, administration fees, provision fees and vehicle insurance is set out below:

KPM Prima EBP - New Car Passenger (Autodebit Payroll)

*Margin: applicable to sharia financing. Example: the interest rate for a 1-year financing term is 1.99%, flat per annum and fixed throughout the financing term.

KPM Prima EBP - Used Car Passenger (Autodebit Payroll)

*Margin: applicable to sharia financing. Example: the interest rate for a 1-year financing term is 3.95%, flat per annum and fixed throughout the financing term.

Customer Complaints

1. Customers may submit verbal or written complaints about banking transactions/services through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or by email at hellodanamon@danamon.co.id.
2. The Customer complaint-handling procedure is available at www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah

Other Terms and Conditions

1. The Adira Finance credit product marketed under this arrangement is Adira Finance’s Multi Purpose Loan (MPL), which is marketed in cooperation with Bank Danamon and is not a Bank Danamon product. Adira Finance is fully responsible for all obligations and risks relating to the credit product.
2. These General Program Terms and Conditions form an integral part of the General Terms and Conditions of Accounts and Banking Services / General Terms and Conditions of Sharia Accounts and Banking Services and the General Terms and Conditions of D-Bank PRO.
3. The Customer hereby acknowledges that the Bank may revise, amend or supplement the benefits, risks, fees and/or provisions of the General Terms and Conditions in accordance with applicable laws and regulations.
4. The Bank will notify and confirm to the Customer any additional obligations or reduction in benefits and/or rights ("Changes") no later than 30 (thirty) Working Days before the Changes take effect ("Change Notification Period").
5. The Customer understands that the Change Notification Period may be waived for certain Changes in accordance with applicable laws and regulations.
6. If the Customer does not accept the Changes, they may submit an objection to the Bank during the Change Notification Period.
7. The Customer agrees that the Bank will deem the Customer to have accepted the Changes if the Customer does not submit an objection during the Change Notification Period.
8. The Customer represents that there are no and will be no transactions suspected of involving money laundering and/or any other transactions prohibited under applicable Indonesian laws and regulations.
9. The Customer will be charged a late-payment penalty in accordance with Adira Finance’s applicable fee provisions for each installment payment made after its due date.
10. 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.
11. If a Program Participant notices any irregularity relating to the Program or suspects fraud, they are advised to inform Hello Danamon immediately.
12. The headings and terms used in these General Program Terms and Conditions are solely intended to facilitate understanding of their contents.
13. These General Program Terms and Conditions comply with applicable laws and regulations, including regulations of the Financial Services Authority.
14. PT Bank Danamon Indonesia is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the Indonesia Deposit Insurance Corporation.

Warning
Beware of fraud committed by persons claiming to represent Bank Danamon and promising rewards of any kind. Any fraud or other act committed by another party or third party in connection with the Program is outside Bank Danamon’s authority.

These General Terms and Conditions of the Kredit Pemilikan Motor (KPM) Prima Employee Banking Payroll (EBP) Program ("General Terms and Conditions of the Program") apply to Customers participating in the Kredit Pemilikan Motor (KPM) Prima Employee Banking Payroll (EBP) Program ("Program"), organised by PT Bank Danamon Indonesia Tbk ("Bank Danamon") in cooperation with PT Adira Dinamika Multi Finance Tbk ("Adira Finance").

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

Program Period

The Program runs from 1 October 2026 to 31 October 2026 ("Program Period").

Benefits of KPM Prima Motor

1. The special KPM Prima interest rate starts from 16.10% per annum and is flat and fixed throughout the financing term.
2. Conventional and sharia schemes are available.
3. 0% provision fee.

Participant Eligibility and Document Requirements

Customers applying for KPM Prima financing must meet the following criteria:

1. Bank Danamon Customers who hold an active (non-dormant) Danamon Payroll Savings account.
2. The Customer must be an Indonesian citizen.
3. The Customer must use the autodebit facility from a Bank Danamon account as the installment payment method.
4. The Customer must be an employee, professional or self-employed individual.
5. Employment/Business Tenure:
   • Employees: at least 1 (one) year with the same company.
   • Professionals: at least 2 (two) years.
   • Self-employed individuals: at least 2 (two) years.
6. At least 21 (twenty-one) years old or previously married.
7. No more than 55 (fifty-five) years old at the end of the term.
8. The Customer must pass the Financial Information Services System (SLIK) check of the Financial Services Authority and must not be included on Bank Indonesia’s National Blacklist.
9. The application mechanism and document requirements for the KPM Prima credit facility are subject to Adira Finance’s applicable terms and conditions: https://www.adira.co.id/produk/metalink/kredit-mobil
10. The application process, including the assessment of the KPM Prima product, is under the authority of Adira Finance. Bank Danamon is therefore not responsible for Adira Finance’s decision on a KPM Prima credit application submitted by the Customer.

Pricing Table

KPM Prima EBP – New Motorcycle (Payroll Autodebit)

KPM Prima EBP – Used Motorcycle (Payroll Autodebit)

Margin: applicable to sharia financing. Example: the interest rate for a 1-year financing term is 14.05%, flat per annum and fixed throughout the financing term.

Customer Complaints

1. Customers may submit verbal or written complaints about banking transactions/services through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or by email at hellodanamon@danamon.co.id.
2. The Customer complaint-handling procedure is available at www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah

Other Terms and Conditions

1. The Adira Finance credit product marketed under this arrangement is Adira Finance’s Multi Purpose Loan (MPL), which is marketed in cooperation with Bank Danamon and is not a Bank Danamon product.
2. These General Program Terms and Conditions form an integral part of the General Terms and Conditions of Accounts and Banking Services / General Terms and Conditions of Sharia Accounts and Banking Services and the General Terms and Conditions of D-Bank PRO.
3. The Customer hereby acknowledges that the Bank may revise, amend or supplement the benefits, risks, fees and/or provisions of the General Terms and Conditions in accordance with applicable laws and regulations.
4. The Bank will notify and confirm to the Customer any additional obligations or reduction in benefits and/or rights ("Changes") no later than 30 (thirty) Working Days before the Changes take effect.
5. The Customer understands that the Change Notification Period may be waived for certain Changes in accordance with applicable laws and regulations.
6. If the Customer does not accept the Changes, they may submit an objection to the Bank during the Change Notification Period.
7. The Customer agrees that the Bank will deem the Customer to have accepted the Changes if the Customer does not submit an objection.
8. The Customer represents that there are no and will be no transactions suspected of involving money laundering and/or any other transactions prohibited under applicable Indonesian laws and regulations.
9. The Customer will be charged a late-payment penalty in accordance with Adira Finance’s applicable fee provisions.
10. 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.
11. If a Program Participant notices any irregularity relating to the Program or suspects fraud, they are advised to inform Hello Danamon immediately.
12. The headings and terms used in these General Program Terms and Conditions are solely intended to facilitate understanding of their contents.
13. These General Program Terms and Conditions comply with applicable laws and regulations, including regulations of the Financial Services Authority.
14. PT Bank Danamon Indonesia 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 of any kind. Any fraud or other criminal act committed by another party or third party in connection with or in the name of the Program is outside Bank Danamon’s authority.

These General Terms and Conditions of the Multi-Purpose Loan (MPL) Product ("General Terms and Conditions of the Product") apply to Customers applying for the Multi-Purpose Loan (MPL) product ("Product"), offered by PT Bank Danamon Indonesia Tbk ("Bank Danamon") in cooperation with PT Adira Dinamika Multi Finance Tbk ("Adira Finance").

Multi-Purpose Loan (MPL) is a cash loan product secured by a car and/or motorcycle Vehicle Ownership Document (BPKB), managed by Adira Finance, a subsidiary of Bank Danamon, and offered to Bank Danamon Customers through Bank Danamon branches, the D-Bank PRO mobile banking application and Bank Danamon’s website.

The Customer hereby agrees to and is bound by all provisions of these General Product Terms and Conditions.

Program Period

The Program runs from 1 October 2026 to 31 October 2026 ("Program Period").

Benefits of Multi-Purpose Loan (MPL)

1. Fixed interest rate/ujrah starting from 0.56% per month for one-year financing.
2. Conventional and sharia schemes are available.
3. No provision fee for financing secured by a Motorcycle BPKB.
4. Simplified credit document requirements.
5. Insurance coverage includes:
   • TLO (Total Loss Only)
   • All Risk

Participant Eligibility and Document Requirements

1. Bank Danamon Customers who hold an active savings account.
2. The Customer must be an Indonesian citizen.
3. The Customer must use the autodebit facility from a Bank Danamon account as the installment payment method.
4. The Customer must be an employee, professional or self-employed individual.
5. Employment/Business Tenure:
   • Employees: at least 1 (one) year with the same company.
   • Professionals: at least 2 (two) years.
   • Self-employed individuals: at least 2 (two) years.
6. At least 21 (twenty-one) years old or previously married.
7. No more than 55 (fifty-five) years old at the end of the term.
8. The Customer must pass the Financial Information Services System (SLIK) check and must not be included on Bank Indonesia’s National Blacklist.
9. Adira Finance terms and conditions: https://www.adira.co.id/produk/metalink/Kredit-Multiguna-Jasa
10. The application process, including the assessment of the Multi-Purpose Loan (MPL) product, is under the authority of Adira Finance.

Pricing Table

Information on interest rates, financing terms, administration fees, provision fees and vehicle insurance is set out below:

MPL / Refinancing / Car Take-Over

MPL / Refinancing / Motorcycle Take-Over

*The interest rates shown in the table are monthly rates, and Ujrah for Sharia MPL applies only in the ACEH RAYA area.

Installment Simulation

Installment Simulation for Loans Secured by a Car BPKB

*The estimates above do not constitute approval of a cash loan, are non-binding and may be adjusted based on further assessment and the applicable terms.

Installment Simulation for Loans Secured by a Motorcycle BPKB

Customer Complaints

1. The Customer and/or the Customer’s representative may submit verbal or written complaints about banking transactions/services through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or by email at hellodanamon@danamon.co.id.
2. The Customer complaint-handling procedure is available at www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah .

Other Terms and Conditions

1. The Adira Finance credit product marketed under this arrangement is Adira Finance’s Multi Purpose Loan (MPL), which is marketed in cooperation with Bank Danamon and is not a Bank Danamon product. Adira Finance is fully responsible for all obligations and risks relating to the credit product.
2. These General Program Terms and Conditions form an integral part of the General Terms and Conditions of Accounts and Banking Services / General Terms and Conditions of Sharia Accounts and Banking Services and the General Terms and Conditions of D-Bank PRO.
3. The Customer hereby acknowledges that the Bank may revise, amend or supplement the benefits, risks, fees and/or provisions of the General Terms and Conditions in accordance with applicable laws and regulations.
4. The Bank will notify and confirm to the Customer any additional obligations or reduction in benefits and/or rights ("Changes") no later than 30 (thirty) Working Days before the Changes take effect ("Change Notification Period").
5. The Customer understands that the Change Notification Period may be waived for certain Changes in accordance with applicable laws and regulations.
6. If the Customer does not accept the Changes, they may submit an objection to the Bank during the Change Notification Period. The Customer may terminate their Card membership after first settling all obligations to the Bank (if any).
7. The Customer agrees that the Bank will deem the Customer to have accepted the Changes if the Customer does not submit an objection during the Change Notification Period.
8. The Customer represents that there are no and will be no transactions suspected of involving money laundering and/or any other transactions prohibited under applicable Indonesian laws and regulations.
9. The Customer will be charged a late-payment penalty in accordance with Adira Finance’s applicable fee provisions for each installment payment made after its due date.
10. 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).
11. If a Program Participant notices any irregularity relating to the Program or suspects fraud, they are advised to inform Hello Danamon immediately.
12. The headings and terms used in these General Program Terms and Conditions are solely intended to facilitate understanding of their contents.
13. These General Program Terms and Conditions comply with applicable laws and regulations, including regulations of the Financial Services Authority.
14. PT Bank Danamon Indonesia 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 of any kind. Any fraud or other criminal act committed by another party or third party in connection with or in the name of the Program is outside Bank Danamon’s authority.