Danamon Travel Fair

Travel Fair

06 July 2026 - 09 Agustus 2026

These General Terms and Conditions of the Danamon Travel Fair Special 70th Anniversary Balance Top-Up Program (“General Terms and Conditions of the Program”) set out the terms and conditions applicable to Customers participating in the Danamon Travel Fair Special 70th Anniversary Balance Top-Up Program (“Program”) organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).

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

Program Period
The Program is valid from 6 July 2026 to 9 August 2026 (“Program Period”).
Participant Criteria
This Program is open only to Bank Danamon customers who meet the following criteria (“Customers”):
1. Individuals;
2. Danamon Privilege customers or customers in the Optimal segment at Bank Danamon;
3. Hold a Danamon LEBIH PRO or Danamon LEBIH PRO iB savings account;
4. Have activated D-Bank PRO; and
5. Not an employee of Bank Danamon, its subsidiaries or affiliates.

Program Terms and Conditions

Customers must read and understand the General Terms and Conditions of the Program.
Bank Danamon reserves the right to refuse or cancel a Program Participant’s participation in this Program if the customer fails to comply with the General Terms and Conditions of the Program.
The Customer bears full responsibility for any risks of loss, demands, lawsuits and/or claims arising from the Program Participant’s participation in and/or cancellation of participation in this Program.

Specific customers selected and invited by Bank Danamon via Bank Danamon’s official communication channels (“Invited Customers”) may participate in the Program in:

City	Date
Bandung	6–20 July 2026
Surabaya	6–20 July 2026
Makassar	13–27 July 2026
Semarang	13–27 July 2026
Pekanbaru	20 July – 3 August 2026
Medan	20 July – 3 August 2026
Pontianak	20 July – 3 August 2026

In addition to Invited Customers, Customers may participate in the Program at the Danamon Travel Fair events held in 7 (seven) cities (“Danamon Travel Fair Events”) on:

City	Address	Date	Travel Agent
Bandung	Danamon Bandung Merdeka Branch Jl. Merdeka No. 40, Babakan Ciamis, Sumur Bandung Sub-district, Bandung City, West Java 40117	24–25 July 2026	Dwidaya, Golden Rama, Bayu Buana
Surabaya	Danamon Surabaya Governor Suryo Branch Jl. Gubernur Suryo No. 12, Embong Kaliasin, Genteng Sub-district, Surabaya City, East Java 60271, Indonesia.	24–26 July 2026	Dwidaya, Bayu Buana, TX Travel
Makassar	Danamon Slamet Riyadi Branch Jl. Slamet Riyadi No. 1, Makassar, South Sulawesi, 90111	31 July – 2 August 2026	Dewi Wisata, Antavaya
Semarang	Danamon Semarang Pemuda Branch Jl. Pemuda No. 175, Semarang City, Central Java, 50132	31 July – 2 August 2026	Nusantara, TX Travel
Pekanbaru	Novotel Hotel Jl. Riau No. 59, Kp. Baru, Senapelan, Pekanbaru City, Riau 28154	6–8 August 2026	Dwidaya, TX Travel, Sanel
Medan	Danamon Medan Diponegoro Branch Jl. P. Diponegoro No. 35, Medan City, North Sumatra, 20152	7–9 August 2026	Dwidaya, RUT
Pontianak	Novotel Hotel Jl. Budi Karya No. 88, Benua Melayu Darat, South Pontianak District, Pontianak City, West Kalimantan 78122	7–9 August 2026	Dwidaya, Sentosa

All customers participating in this Program must first register by completing and signing the Program Participation Form.

Customers must place a hold on funds and foreign exchange transactions via the Danamon LEBIH PRO/Danamon LEBIH PRO iB account included in the Program, with the amounts as set out in the following table:

Fund Holding Amount	Tenor	Amount Foreign Exchange Trading Amount (Minimum IDR)	Penalty Fee/Prize Replacement Fee (IDR)
IDR 50,000,000	3 months	IDR 5,000,000	IDR 375,000
IDR 100,000,000			IDR 757,500
IDR 200,000,000			IDR 1,525,000
IDR 500,000,000		IDR 50,000,000	IDR 3,825,000
IDR 1,000,000,000			IDR 7,312,500
IDR 2,000,000,000			IDR 14,750,000
USD 20,000			IDR 1,188,000
USD 40,000			IDR 2,464,000
USD 80,000			IDR 3,520,000

Customers who have held funds and carried out transactions in accordance with the General Terms and Conditions of this Program may receive a grand prize in the form of a voucher for the purchase of products available at the Danamon Travel Fair, with a discount of 70 per cent (seventy per cent) of the transaction value, up to a maximum of the “Maximum Voucher Value” as set out in the table below (“Grand Prize”):

Amount of Funds Held	Maximum Voucher*) (IDR)	Quota**)
IDR 50,000,000	IDR 527,000	The total combined quota for all holding tiers is 700. Specifically, the IDR 500,000,000, IDR 1,000,000,000 and IDR 2,000,000,000 tiers combined have a quota of the first 30 customers per branch.
IDR 100,000,000	IDR 1,070,000
IDR 200,000,000	IDR 2,170,000
IDR 500,000,000	IDR 5,670,000
IDR 1,000,000,000	IDR 11,370,000
IDR 2,000,000,000	IDR 23,370,000
USD 20,000	IDR 2,670,400
USD 40,000	IDR 5,491,200
USD 80,000	IDR 9,856,000

Note:

*) The voucher reward that customers will receive is a 70% discount voucher valid for transactions at the Danamon Travel Fair, up to the maximum amount specified under ‘Maximum Voucher Value’ above.

**) Availability of the quota will be confirmed by Bank Danamon staff before the Customer completes and signs the Program Participation Form. The Program offer is subject to the available quota. If the Grand Prize quota has been met, the Program cannot be offered to the Customer and registration will be closed by Bank Danamon.

In addition to the Grand Prize, Customers also have the opportunity to receive an additional prize in the form of 1 (one) chance to take part in the Lucky Draw whilst quotas are available (“Lucky Draw Additional Prize”), subject to the following conditions:

Type of Additional Lucky Draw Prize	Quota (Per Danamon Travel Fair Event)
20-inch Samsonite Suitcase	4
American Tourister 20-inch Argyle Cabin Hard-shell Suitcase	2
Foldable Shopping Bag	10
Travel Organiser Pouch	7
Travel Adapter	6
Xiaomi Redmi Buds 6 Lite	5

Funds included in this Program must be fresh funds, namely:
1. Funds transferred to the Program Participant’s account at Bank Danamon from a bank account other than one held at Bank Danamon, no later than 7 (seven) calendar days prior to the account being blocked.
2. This does not apply to cash deposits made via ATMs or at teller counters at Bank Danamon branches.
For foreign exchange transactions conducted via D-Bank PRO or at a Bank Danamon branch, the blocking of funds and the signing of the Program Participation Form must be carried out on the same day.
Specifically, Privilege Customers participating in the Fund Placement Scheme (in Rupiah/IDR) may also block funds at the Danamon Travel Fair (refer to the table set out in point III.7, subject to the following additional conditions:
1. If the deposit and holding of funds are not carried out simultaneously, the Customer must first make an initial deposit and hold funds amounting to IDR 100,000,000 (one hundred million rupiah) at the Danamon Travel Fair, with the remainder to be completed 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 Penalty Fee/Prize Replacement Fee equivalent to the prize amount and tax.
Bank Danamon will hold the Program Participant’s account in accordance with the Amount of Funds Held as stated on the Form.
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 Penalty Fee/Prize Replacement Fee in accordance with the Program’s General Terms and Conditions. The Penalty Fee/Prize Replacement Fee shall be paid by the Customer in a single installment by Bank Danamon debiting the Bank Danamon account held in the Program Participant’s name.
Should the Customer cancel their participation in the Program, they will be charged a Penalty Fee/Prize Replacement Fee in accordance with the Penalty Fee/Prize Replacement Fee set out in the table in clause III.7.
Each Customer may only participate in this Program once; participation is not cumulative.
This Program cannot be combined with other deposit Programs and/or promotions.
Funds held under this Program cannot be counted as deposits for other Programs organised by Bank Danamon.
Customers will continue to receive interest (conventional) or profit-sharing (Sharia) in accordance with the applicable terms and conditions.

Customers who have joined the Program in accordance with the General Terms and Conditions of this Program (“Referrers”) may refer friends, family members or other individuals to join this Program, subject to the following conditions:

The Referrer and the referred Customer must participate in the Program under the same fund blocking tier, with a minimum amount of IDR 500,000,000 (five hundred million rupiah), in accordance with point III.7 above.
The Referrer may only refer 1 (one) Customer during the Program Period.

Each Referrer and the other Customer they refer are entitled to receive 1 (one) discount voucher, equivalent to the voucher’s face value, for the purchase of products sold at the Danamon Travel Fair event (“Additional Voucher Reward”), subject to the following reward amounts and Referrer quotas:

Value Funds Held	Value Additional Reward	Quota Program Referrer (Per Danamon Travel Fair Event)
IDR 500,000,000	IDR 500,000	3
IDR 1,000,000,000	IDR 1,000,000	1
IDR 2,000,000,000	IDR 2,000,000	1

Terms and Conditions for the Awarding of Prizes
1. The Grand Prize, Lucky Draw Additional Prizes and/or Voucher Additional Prizes (“Prizes”) will be awarded by the Bank after the Bank has verified and validated that the Customer/Referrer and the referred Customer have fulfilled the participation requirements, in accordance with the terms and conditions of the Program.
2. Prizes cannot be redeemed for cash under any circumstances, cannot be transferred by the Customer to any other party, and are not cumulative.
3. The Bank reserves the right to refuse to award Prizes if:
  1. the Customer/Referrer and/or the referred Customer do not meet the Program’s requirements;
  2. There are indications of misuse of the Program or non-compliance with the applicable terms and conditions.
4. The following terms apply specifically to the Grand Prize and Additional Voucher Prizes:
  1. Bank Danamon will only award the Grand Prize and Additional Voucher Prizes at the Danamon Travel Fair event.
  2. The Grand Prize and Additional Voucher Prizes may only be used for product purchases at the Danamon Travel Fair on the same day as the respective prizes are received.
  3. Product purchases must be made using a Danamon Debit/ATM Card or Credit Card at the Danamon Travel Fair.
  4. Both the Main Prize and the Additional Voucher Prize are valid for a single purchase invoice only; they cannot be combined across multiple invoices, cannot be split between bills, and cannot be used more than once.
  5. Customers understand and agree that prizes in the form of vouchers will be treated as interest received by the customer on their deposited funds. Therefore, if the value of the voucher exceeds the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation for savings accounts, the excess amount is not guaranteed by the Indonesia Deposit Insurance Corporation. Customers may enquire about changes to the maximum guaranteed interest rate at any Bank Danamon branch, via Hello Danamon on 1-500-900, or by emailing hellodanamon@danamon.co.id.
5. The following terms and conditions apply to the Lucky Draw prize:
  1. If the Lucky Draw prize quota has been exhausted, customers will not receive a Lucky Draw prize.
  2. Lucky Draw prizes will be received directly by customers during the Danamon Travel Fair event.
6. Bank Danamon applies the applicable tax regulations to this Program. Any tax liabilities arising from the Program (if any) are the responsibility of Bank Danamon and the respective customer towards the tax authorities.
Power of Attorney
1. The Customer hereby authorises Bank Danamon to: (i) to hold and release a sum of funds in accordance with the Program Participation Form and the General Terms and Conditions of the Program; and/or (ii) to debit the Program Participant’s account with Bank Danamon for the payment of Penalty Fees/Prize Replacement Fees should the Customer cancel 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 authority 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 Program Participant’s obligations to the Bank 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 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 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 handle 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 .
Program Risk
1. If the Customer fails to comply with the General Terms and Conditions of the Program, including by failing to block funds and/or carry out foreign exchange transactions, they will not receive the Reward.
2. If the quota for rewards/vouchers has been exhausted, the Customer will not receive any rewards/vouchers.

Program Simulation

Customer	Customer Type	Date of Funds Holding	Amount of Funds Held and Foreign Exchange Transactions	Referring friends/family/other people to join the Program	Invoice for Travel Agent Product/Service Bookings at the Danamon Travel Fair*	Voucher Reward	Additional Voucher Reward	Total Payment by Customer
A	Invited Customer	8 July 2026	IDR 100,000,000 (held) IDR 5,000,000 (FX)	-	Tour package around Australia for 2 people IDR 46,900,000	IDR 1,070,000	-	IDR 45,830,000
B	Danamon Travel Fair Customers	24 July 2026	IDR 500,000,000 (held) IDR 50,000,000 (FX)	-	Asia Cruise Package for 2 people IDR 8,100,000	IDR 5,670,000	-	IDR 2,430,000
C	Danamon Travel Fair Customers	24 July 2026 and 7 August 2026 (Partial Fund Placement)	24 July 2026: IDR 100,000,000 (held) IDR 50,000,000 (FX) 7 August 2026: IDR 400,000,000 (held)	-	Economy class flight tickets to Japan for 2 people IDR 20,000,000	IDR 5,670,000	-	IDR 14,330,000
D	Customers at the Danamon Travel Fair	31 July 2026 (USD Scheme Placement)	USD 20,000 (held) IDR 50,000,000 (FX)	-	Kuala Lumpur business class flight tickets for 2 people: IDR 12,000,000	IDR 2,670,400	-	IDR 9,329,600
E	Danamon Travel Fair Customers	20 August 2026	IDR 200,000,000 (held) IDR 5,000,000 (FX)	-	Economy class flights to Singapore for 2 people IDR 4,000,000	N/A	-	N/A
F	Danamon Travel Fair Participants and Referrers	8 August 2026	IDR 1,000,000,000 (held) IDR 50,000,000 (FX)	Yes, with a held amount of IDR 1,000,000,000 and foreign exchange transactions totalling IDR 50,000,000	Japan tour package for 1 person: IDR 21,600,000	IDR 11,370,000	IDR 1,000,000	IDR 9,230,000

*The invoice price is for illustrative purposes only (not a reference price/not the actual price)

Scenario Explanation:

Customers A, B, C and D receive rewards based on their transaction amounts in the form of a 70% (seventy per cent) discount voucher for the Travel Fair and are each given one opportunity to enter the lucky draw.
Customer E does not receive any reward as the booking date falls outside the Program period.
Customer F receives a reward based on their transaction amount in the form of a 70% (seventy per cent) Travel Fair discount voucher, is given one chance to enter the lucky draw, and receives an Additional Voucher Prize for referring friends, family or others to join the Program.

Customer 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 via email at hellodanamon@danamon.co.id.
2. Procedures regarding the complaints service can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
Other Terms and Conditions
1. Products and/or services provided by the travel agencies Dwidaya, Golden Rama, Bayu Buana, Dewi Wisata, Antavaya, Nusantara, TX Travel, Sanel, RUT and Sentosa, as well as the relevant airlines, are not the products or responsibility of Bank Danamon; they are therefore entirely the responsibility of the travel agencies Dwidaya, Golden Rama, Bayu Buana, Dewi Wisata, Antavaya, Nusantara, TX Travel, Sanel, RUT and Sentosa, and the relevant airlines. Should you encounter any difficulties and/or have any complaints regarding these products and/or services, please contact the travel agencies Dwidaya, Golden Rama, Bayu Buana, Dewi Wisata, Antavaya, Nusantara, TX Travel, Sanel, RUT and Sentosa and the relevant airlines.
2. These General Terms and Conditions form an integral and inseparable part of the “General Terms and Conditions for Accounts and Banking Services” or the “General Terms and Conditions for Sharia Accounts and Banking Services”, the “General Terms and Conditions for D-Bank PRO”, “General Terms and Conditions of the Danamon LEBIH PRO Savings Account”, “General Terms and Conditions of the Danamon LEBIH PRO iB Savings Account”, and other terms and conditions relating to banking products and/or 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 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 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 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, deception, irregular transactions, 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 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. If any provision of these General Terms and Conditions of the Program is, by virtue of a government regulation or a court ruling, prohibited, unenforceable, invalid or 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.
9. 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.
10. These Program Terms and Conditions are drawn up in Indonesian and English. In the event of any discrepancy in provisions or interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
11. The headings and terms used in the General Terms and Conditions of this Program are intended solely to facilitate understanding of the content of the General Terms and Conditions of this Program.
12. These General Terms and Conditions have been aligned with applicable laws and regulations, including the regulations of the Financial Services Authority.
13. Bank Danamon is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a member of the Indonesia Deposit Insurance Corporation.

WARNING
Customers must be wary of fraud committed by individuals acting in the name of Bank Danamon by promising prizes of any kind. Any fraud or other criminal acts committed by other parties or third parties associated with or acting in the name of Bank Danamon or the Program are beyond the control of Bank Danamon.

These General Terms and Conditions of the Danamon Travel Fair 2026 Sharia-Specific Balance Top-Up Program (“General Terms and Conditions of the Program”) set out the terms and conditions applicable to Customers participating in the Danamon Travel Fair 2026 Sharia-Specific Balance Top-Up Program (“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:

Program Period
The program runs from 6 July to 9 August 2026 (“Program Period”).
Participants Criteria
1. This program is open only to individual Bank Danamon customers who meet the following criteria (“Customers”):
2. are registered as Danamon Privilege customers or Optimal segment customers at Bank Danamon;
3. hold a Danamon LEBIH PRO iB savings account;
4. hold and be registered on the latest version of the D-Bank PRO app; and
5. not be registered as an employee of Bank Danamon, its subsidiaries and/or affiliates at the time of joining the Program.

Program Terms and Conditions

Customers must read and understand the General Terms and Conditions of the Program.
Bank Danamon reserves the right to refuse or cancel a Program Participant’s participation in this Program if the Customer fails to comply with the General Terms and Conditions of the Program.
The Customer bears full responsibility for any risks of loss, demands, lawsuits and/or claims arising from the Program Participant’s participation in and/or cancellation of participation in this Program.
Bank Danamon is collaborating with Dago Wisata Internasional, Tiga Cahaya Utama, Meida Wisata, Wanda Fatimah Zahra, Tridaya Pesona Wisata, Siar Harmain Internasional, and Kafilah Maghfirah (“Partners”) in organising this Program.

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:

City	Commencement Date
Bandung	06—20 July 2026
Surabaya	06—20 July 2026
Makassar	13—27 July 2026
Semarang	13—27 July 2026
Pekanbaru	20 July — 03 August 2026
Medan	20 July — 03 August 2026
Pontianak	20 July — 03 August 2026

In addition to Invited Customers, Customers may take part in the Program at the Danamon Travel Fair, which will be held from 6 July to 9 August 2026 in 7 (seven) cities (“Danamon Travel Fair”):

Commencement Date	City	Venue	Address	Travel Agent
24 - 25 Jul	Bandung	Danamon Bandung Merdeka Branch	Jl. Merdeka No.40, Babakan Ciamis, Kec. Sumur Bandung, Kota Bandung, Jawa Barat 40117	Dago Wisata Internasional
24 - 26 Jul	Surabaya	Danamon Surabaya Gubernur Suryo Branch	Jl. Gubernur Suryo No 12, Embong Kaliasin Kec. Genteng, Kota SBY, Jawa Timur 60271, Indonesia.	Tiga Cahaya Utama
31 Jul - 2 Aug	Makassar	Danamon Slamet Riyadi Branch	Jl. Slamet Riyadi No. 1 Makassar, Sulawesi Selatan, 90111	Meida Wisata
31 Jul - 2 Aug	Semarang	Danamon Semarang Pemuda Branch	Jl. Pemuda No. 175, Kota Semarang, Jawa Tengah, 50132	Wanda Fatiah Zahra
6 - 8 Aug	Pekanbaru	Novotel Hotel	Jl. Riau No.59, Kp. Baru, Senapelan, Kota Pekanbaru, Riau 28154	Tridaya Pesona Wisata
7 - 9 Aug	Medan	Danamon Medan Diponegoro Branch	JL. P. Diponegoro No. 35, Kota Medan, Sumatera Utara, 20152	Siar Haramain Internasional
7 - 9 Aug	Pontianak	Novotel Hotel	Jl. Budi Karya No.88, Benua Melayu Darat, Kec. Pontianak Sel., Kota Pontianak, Kalimantan Barat 78122	Kafilah Maghfirah

All customers wishing to participate in this Program must first register by completing and signing the Program Participation Form.

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:

Funds Holding Amount (IDR)	Tenor	Foreign Exchange Transaction Amount (Minimum IDR)	Maximum Amount of Prize Replacement Fee
IDR 50,000,000	3 months	IDR 5,000,000	IDR 658,750
IDR 100,000,000			IDR 1,337,500
IDR 200,000,000			IDR 2,712,500
IDR 500,000,000		IDR 50,000,000	IDR 7,087,500
IDR 1,000,000,000			IDR 14,212,500
IDR 2,000,000,000			IDR 29,212,500

Customers who have held funds and transactions in accordance with the General Terms and Conditions of this Programme may receive a grand prize in the form of a voucher for the purchase of Partner products available at the Danamon Travel Fair, offering a discount of 70 per cent (seventy per cent) of the transaction value, up to a maximum of the “Voucher Maximum” as set out in the table below (“Grand Prize”):

Funds Holding Amount (IDR)	Maximum Voucher*) (IDR)	Quota**)
IDR 50,000,000	IDR 527,000	The total combined quota for all holding tiers is 42, broken down as follows: The IDR 50,000,000, IDR 100,000,000 and IDR 200,000,000 tiers have a combined quota of 21, and the tiers of IDR 500,000,000,000 and IDR 2,000,000,000 have a combined quota of 21
IDR 100,000,000	IDR 1,070,000
IDR 200,000,000	IDR 2,170,000
IDR 500,000,000	IDR 5,670,000
IDR 1,000,000,000	IDR 11,370,000
IDR 2,000,000,000	IDR 23,370,000

*)The voucher reward to be received by the Customer is a 70% discount voucher valid for transactions at the Danamon Travel Fair, up to the maximum 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.

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 Samsonite Upscape Spinner 55/20 Exp Easy Access	1
Koper Kamilian by American Tourister	1
Sling Back 3 in 1 + Payung Lipat	1
Tumblr (Lock n Lock)	3

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.
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.
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:
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.
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.
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.
Bank Danamon will hold the Program Participant’s account in accordance with the Amount of Funds to be Blocked as stated in the Form.
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 Program Participant’s name.
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.
This Program may only be joined once by each Customer and is not valid for multiple entries.
This Program cannot be combined with other deposit programs and/or promotions.
Funds blocked under this Program cannot be counted as deposits for other programs organised by Bank Danamon.
Customers will continue to receive profit-sharing in accordance with the applicable terms and conditions.

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:
4. The customer does not meet the Program Terms and Conditions,
5. there are indications of misuse of the program or non-compliance with the applicable terms and conditions.
6. The following terms and conditions apply specifically to the Grand Prize:
7. Bank Danamon will only award the Grand Prize at the Danamon Travel Fair at the prize redemption booth.
8. 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.
9. Product purchases must be made using a Bank Danamon Debit Card or QRIS at the Travel Fair.
10. 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.idhellodanamon@danamon.co.id.
11. The following terms and conditions apply to the Lucky Draw prizes:
12. If the Lucky Draw prize allocation has been exhausted, the customer will not receive a Lucky Draw prize.
13. Lucky Draw prizes will be presented to customers directly during the Danamon Travel Fair.
14. 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.
Power of Attorney
1. The Customer hereby authorises Bank Danamon to:
2. (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 Program Participant’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.
3. 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 Program Participant’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.
Program Risk
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.

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	Invited Customer	4 August 2026	IDR 500,000,000 (hold) IDR 50,000,000 (FX)	Umrah package for 2 people: IDR 80,000,000	IDR 5,670,000	IDR 74,330,000
B	Danamon Travel Fair Event Customer	6 August 2026 and 20 August 2026 (Partial Funds Placement)	6 August 2026: IDR 100,000,000 (hold) IDR 50,000,000 (FX) 20 August 2026: IDR 400,000,000 (hold)	Umrah package for 2 people IDR 80,000,000	IDR 5,670,000	IDR 74,330,000
C	Danamon Travel Fair Event Customer	25 July 2026	IDR 100,000,000 (hold) IDR 5,000,000 (FX)	Umrah package for 2 people IDR 80,000,000	IDR 1,070,000	IDR 78,930,000
D	Danamon Travel Fair Event Customer	9 September 2026	IDR 200,000,000 (hold) IDR 5,000,000 (FX)	Umrah package for 2 people IDR 80,000,000	N/A	N/A

*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.

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.
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.

General Terms and Conditions of the Save up to IDR 7,000,000 Program (seven million rupiah) (“General Terms and Conditions of the Program”) set out the terms and conditions applicable to customers of PT Bank Danamon Indonesia Tbk (“Bank”) who hold and make transactions using a Card (“Cardholders”) participating in the Save Up to IDR 7,000,000 (seven million rupiah) for Transactions at the Travel Fair (“Program”) organised by the Bank in collaboration with merchant partners AntaVaya, Bayu Buana, Dewi Wisata, Dwidayatour, Golden Rama, Nusantara Tour, Raya Utama Travel, Sanel Tour and Travel, Sentosa Tour, and TX Travel (“Travel Agents”).

The Cardholder hereby agrees to and is bound by all the provisions set out in the General Terms and Conditions of the Program as follows:

Program Period
The program runs from 24 July 2026 to 9 August 2026 (“Program Period”).
Participants Criteria
The program applies to Cardholders as follows: i) the Danamon Global Currency Card (Danamon Lebih Pro Debit Card) with BIN 541143; ii) Bank Danamon credit cards bearing the Visa, Mastercard and JCB logos; and iii) Danamon American Express credit and charge cards, excluding corporate cards (“Cards”).

Program Terms and Conditions

Cardholders must read and understand the General Terms and Conditions of the Program.
The Bank reserves the right to refuse or cancel a Cardholder’s participation in this Program if the Cardholder fails to comply with the General Terms and Conditions of the Program.
Cardholders are fully responsible for any risks of loss, claims, lawsuits and/or claims arising from their participation in and/or cancellation of their participation in this Program.

The Program is valid as follows:

Saving Program

The program operates under the following scheme:

Type of Card	City	Merchant Partner	Program Scheme
Type of Card	City	Merchant Partner	Discount (IDR)	Min. Trx (IDR)	Total Quota	Program Period
Global Currency Card (DL Pro Debit Card)	Bandung	Bayu Buana, Dwidayatour and Golden Rama	370,000	10,000,000	10	24 - 25 Jul
			970,000	25,000,000	10
			2,700,000	60,000,000	5
	Surabaya	Bayu Buana, Dwidayatour, and TX Travel	370,000	10,000,000	10	24 - 26 Jul
			970,000	25,000,000	10
			2,700,000	60,000,000	5
	Makassar	AntaVaya and Dewi Wisata	370,000	10,000,000	16	31 Jul - 2 Aug
			970,000	25,000,000	14
			2,700,000	60,000,000	9
	Semarang	Nusantara tour and TX Travel	370,000	10,000,000	10
			970,000	25,000,000	10
			2,700,000	60,000,000	5
	Pontianak	Dwidayatour and Sentosa Tour	370,000	10,000,000	15	7 - 9 Aug
			970,000	25,000,000	14
			2,700,000	60,000,000	8
	Medan	Dwidayatour and Raya Utama Travel	370,000	10,000,000	15
			970,000	25,000,000	13
			2,700,000	60,000,000	9
	Pekan Baru	Dwidayatour, Sanel and TX Travel	370,000	10,000,000	15	6 – 8 Aug
			970,000	25,000,000	13
			2,700,000	60,000,000	8
	Total				224

Type of Cards	City	Merchant Partner	Program Scheme
Type of Cards	City	Merchant Partner	Discount (IDR)	Min. Trx (IDR)	Total Quota	Program Period
Visa, Mastercard and JCB	Bandung	Bayu Buana, Dwidayatour and Golden Rama	370,000	10,000,000	8	24 - 25 Jul
			970,000	25,000,000	8
			2,700,000	60,000,000	2
			7,000,000	125,000,000	1
	Surabaya	Bayu Buana, Dwidayatour, and TX Travel	370,000	10,000,000	9	24 - 26 Jul
			970,000	25,000,000	9
			2,700,000	60,000,000	2
			7,000,000	125,000,000	1
	Makassar	AntaVaya and Dewi Wisata	370,000	10,000,000	12	31 Jul - 2 Aug
			970,000	25,000,000	12
			2,700,000	60,000,000	6
			7,000,000	125,000,000	2
	Semarang	Nusantara tour and TX Travel	370,000	10,000,000	8
			970,000	25,000,000	8
			2,700,000	60,000,000	2
			7,000,000	125,000,000	1
	Pontianak	Dwidayatour and Sentosa Tour	370,000	10,000,000	11	7 - 9 Aug
			970,000	25,000,000	11
			2,700,000	60,000,000	5
			7,000,000	125,000,000	2
	Medan	Dwidayatour and Raya Utama Travel	370,000	10,000,000	11
			970,000	25,000,000	11
			2,700,000	60,000,000	6
			7,000,000	125,000,000	2
	Pekan Baru	Dwidayatour, Sanel and TX Travel	370,000	10,000,000	11	6 - 8 Aug
			970,000	25,000,000	11
			2,700,000	60,000,000	5
			7,000,000	125,000,000	1
	Total				178
American Express	Bandung	Bayu Buana, Dwidayatour and Golden Rama	370,000	10,000,000	2	24 - 25 Jul
			970,000	25,000,000	2
			2,700,000	60,000,000	1
			7,000,000	125,000,000	-
	Surabaya	Bayu Buana, Dwidayatour, and TX Travel	370,000	10,000,000	2	24 - 26 Jul
			970,000	25,000,000	2
			2,700,000	60,000,000	1
			7,000,000	125,000,000	-
	Makassar	AntaVaya and Dewi Wisata	370,000	10,000,000	2	31 Jul - 2 Aug
			970,000	25,000,000	2
			2,700,000	60,000,000	1
			7,000,000	125,000,000	1
	Semarang	Nusantara tour and TX Travel	370,000	10,000,000	2
			970,000	25,000,000	2
			2,700,000	60,000,000	1
			7,000,000	125,000,000	-
	Pontianak	Dwidayatour and Sentosa Tour	370,000	10,000,000	2	7 - 9 Aug
			970,000	25,000,000	2
			2,700,000	60,000,000	1
			7,000,000	125,000,000	1
	Medan	Dwidayatour and Raya Utama Travel	370,000	10,000,000	2
			970,000	25,000,000	2
			2,700,000	60,000,000	1
			7,000,000	125,000,000	1
	Pekan Baru	Dwidayatour, Sanel and TX Travel	370,000	10,000,000	2	6 - 8 Aug
			970,000	25,000,000	2
			2,700,000	60,000,000	1
			7,000,000	125,000,000	1
	Total				39
Total ALL			-		217

The program is valid for Cardholders who have enrolled in the funds allocation program (Save up to 70%).
The program is valid for 1 (one) transaction per 1 (one) Card number.
The benefits provided under the program are non-refundable and cannot be exchanged for cash.
The program cannot be combined with other offers.
The program applies to both primary and supplementary cards.
Cardholders acknowledge and agree that if the quota as set out in the table above has been exhausted, they will not receive the program benefits even if the program period has not yet ended.

By carrying out 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. Any transactions carried out by the Cardholder shall constitute valid evidence of the Cardholder’s participation in the Program and of the Cardholder’s agreement to be bound by the General Terms and Conditions of the Program.

Cardholders Complaints
1. Cardholders 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 regarding the complaints service can be accessed via the Bank’s official website at the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
Other Terms and Conditions
1. These General Terms and Conditions form an integral and inseparable 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. 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.
2. Products, services and/or benefits provided by merchant partners are the responsibility of the merchant partners and do not constitute products or responsibilities of the Bank. Should there be any issues and/or complaints regarding such products, services and/or benefits, please contact the relevant merchant partner.
3. The Cardholder hereby agrees and acknowledges that the Bank reserves the right 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 changes to the benefits, risks, costs, terms and conditions under these General Terms and Conditions of the Program, as well as any other changes, 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 the Cardholder shall be deemed to have consented to such changes should the Cardholder fail to raise an objection within the aforementioned period. Should the Cardholder not consent to such changes, the Cardholder is entitled to cancel their participation in the Program, provided that the Cardholder first settles all outstanding obligations to Bank Danamon (if any).
4. The Cardholder 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 that are prohibited under the laws and regulations in force in Indonesia.
5. Should there be any indication of fraud, deception, misuse, irregular transactions, unusual transactions, money laundering and/or actions that contravene applicable laws and regulations, the Bank reserves the right to cancel transactions, terminate the use of the Bank’s products/services, cancel participation in the Program, or revoke the provision of Program benefits to the Cardholder concerned. The Cardholder remains obliged to settle all outstanding obligations to the Bank (if any).
6. Should any provision of these General Terms and Conditions of the 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 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.
7. Should any irregularities relating to this Program be discovered, or should any suspected fraud occur, the Cardholder is advised to report this immediately via Hello Danamon.
8. These Program Terms and Conditions are drawn up in Indonesian and English. In the event of any discrepancy in provisions or interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
9. The headings and terms used in these General Terms and Conditions of the Programme are intended solely to facilitate understanding of the content of these General Terms and Conditions of the Program.
10. These General Terms and Conditions of the Program have been aligned with the provisions of applicable laws and regulations, including the regulations of the Financial Services Authority.
11. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a member of the Indonesia Deposit Insurance Corporation.

WARNING
Cardholders must be wary of fraud perpetrated by individuals acting on behalf of the Bank who promise prizes of any kind. The Bank accepts no liability for any fraud or other criminal acts committed by other parties or third parties in connection with, or on behalf of, the Bank or this Program.

These General Terms and Conditions of the Danamon Travel Fair Special New to FX D-Bank Pro Danamon’s 70th Anniversary Program (“General Program Terms and Conditions”) set out the terms and conditions applicable to Customers participating in the Danamon Travel Fair Special New to FX D -Bank PRO Danamon’s 70th Anniversary Program (“Program”), organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).

The customer hereby agrees to and is bound by all the provisions set out in the General Terms and Conditions of the Program as follows:

Program Period
The program runs from 24 July 2026 to 9 August 2026 (“Program Period”).
Participants Criteria
This program is open only to Bank Danamon customers who meet the following criteria (“Customers”):
1. All individual customers who have never held or opened a Danamon LEBIH PRO Savings Account and;
2. Who are not employees of Bank Danamon, its subsidiaries or affiliates

Program Terms and Conditions

Customers must read and understand the General Terms and Conditions of the Program.
Bank Danamon reserves the right to refuse or cancel a Program Participant’s participation in this Program if the Customer fails to comply with the General Terms and Conditions of the Program.
Customers 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.

Customers may participate in the Program at the Danamon Travel Fair events held in 7 (seven) cities (“Danamon Travel Fair Events”) on:

City	Address	Event Date
Bandung	Danamon Bandung Merdeka Branch Jl. Merdeka No.40, Babakan Ciamis, Kec. Sumur Bandung, Kota Bandung, Jawa Barat 40117	24 – 25 July 2026
Surabaya	Danamon Surabaya Gubernur Suryo Branch Jl. Gubernur Suryo No.12, Embong Kaliasin, Kec. Genteng, Kota SBY, Jawa Timur 60271, Indonesia.	24 – 26 July 2026
Makassar	Danamon Slamet Riyadi Branch Jl. Slamet Riyadi No. 1 Makassar, Sulawesi Selatan, 90111	31 July – 02 August 2026
Semarang	Cabang Danamon Semarang Pemuda Jl. Pemuda No. 175, Kota Semarang, Jawa Tengah, 50132	31 July – 02 August 2026
Pekanbaru	Novotel Hotel Jl. Riau No.59, Kp. Baru, Senapelan, Kota Pekanbaru, Riau 28154	06 – 08 August 2026
Medan	Danamon Medan Diponegoro Branch JL. P. Diponegoro No. 35, Kota Medan, Sumatera Utara, 20152	07 – 09 August 2026
Pontianak	Novotel Hotel Jl. Budi Karya No.88, Benua Melayu Darat, Kec. Pontianak Sel., Kota Pontianak, Kalimantan Barat 78122	07 – 09 August 2026

Customers must comply with and meet the terms and conditions of the Danamon Travel Fair Balance Top-Up Program and open their first Danamon LEBIH PRO account within a maximum of 7 calendar days prior to participating in the program.
The General Terms and Conditions of the Danamon Travel Fair Balance Top-Up Program can be accessed on Bank Danamon’s official website as follows: bdi.co.id/hut70tf.
Customers must make a foreign exchange (FX Online) purchase via the D-Bank PRO app on the same day as participating in the Danamon Travel Fair Balance Top-Up Program for a minimum amount of IDR 10,000,000 (ten million rupiah) or the equivalent, carried out in a single transaction during the Program Period (“Transaction”). Multiple transactions whose combined value reaches the minimum Transaction threshold cannot be counted as a Transaction that meets the Program’s eligibility criteria.
Customers who have met the requirements as set out in this Program will receive a cashback reward worth IDR 70,000 (seventy thousand rupiah) (“Reward”).
The Reward quota is limited to the first 20 (twenty) Customers who carry out a Transaction in each city, as specified in clause III.4. Once the quota has been exhausted, Customers will not receive the Reward even if they have carried out a Transaction.
Transactions that are cancelled, reversed, corrected or fail to be processed shall not be counted as Transactions eligible for the Program.
By carrying out all transactions in accordance with the Program’s General Terms and Conditions, the Customer is deemed to have read, understood and agreed to participate in the Program and to be bound by these Program Terms and Conditions; such transactions constitute valid proof of the Program Participant’s participation in the Program and the Program Participant’s consent to be bound by the Program’s General Terms and Conditions.

Rewards Terms and Conditions
1. Each customer is entitled to only one Reward during the Program Period.
2. The determination of which customers are eligible to receive a Reward is based on the data and records held in Bank Danamon’s system and is final and binding.
3. The Reward will be credited to the Program Participant’s active Danamon LEBIH PRO Rupiah Account within a maximum of 45 (forty-five)ys following the last day of the Transaction month.
4. In the event that the Program Participant’s account is inactive, blocked or in any other condition that prevents the Reward from being credited, the Customer hereby acknowledges and agrees that they will not receive the Reward.
5. Participation in this Program is free of charge.
6. Bank Danamon applies the applicable 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.
Program Risk
Customers are not entitled to a reward if they do not meet the General Terms and Conditions of the Program and/or if the reward quota has been exhausted.
Program Simulation
Simulation of the Danamon Travel Fair New FX D-Bank PRO Danamon’s 70th anniversary Program:
1. Simulation 1 (Ideal Conditions for Customers to Receive cashback)
  - On 24 July 2026, the customer opens a Danamon LEBIH PRO account and takes part in the Danamon Travel Fair Top Up Balance program.
  - On the same day, the customer makes a foreign exchange (FX) purchase in US dollars equivalent to IDR 10 million via the D-Bank PRO app.
  - The customer receives a reward of IDR 70,000 (seventy thousand rupiah).
2. Simulation 2 (Where the customer opens an account more than 7 days prior to enrolment and carries out an FX transaction)
  - On 16 July 2026, the customer opens a Danamon LEBIH PRO account.
  - On 24 July 2026, the customer takes part in the Danamon Travel Fair Top Up Balance program and carries out a foreign exchange (FX) transaction in US dollars equivalent to IDR 10 million via the D-Bank PRO app.
  - The customer is not entitled to a reward of IDR 70,000 (seventy thousand rupiah) as the account was opened more than 7 calendar days prior to joining the program.
3. Simulation 3 (Scenario: Customer opens an account and carries out an FX transaction, but the amount is less than IDR 10 million)
  - On 1 August 2026, the Customer opens a Danamon LEBIH PRO account and joins the Danamon Travel Fair Top Up Balance program.
  - On the same day, the Customer carries out a foreign exchange (FX) purchase transaction in US dollars equivalent to IDR 5 million via the D-Bank PRO app.
  - The customer is not entitled to a reward of IDR 70,000 (seventy thousand rupiah) as the Program Participant’s foreign exchange (FX) purchase transaction is less than USD 500 (five hundred US dollars).
4. Simulation 4 (Scenario where the customer opens an account and carries out an FX transaction, split into two separate transactions)
  - On 1 August 2026, the Customer opens a Danamon LEBIH PRO account and joins the Danamon Travel Fair Top Up Balance program.
  - On the same day, the Customer carries out foreign exchange (FX) purchase transactions in USD equivalent to IDR 5 million and in JPY equivalent to IDR 5 million via the D-Bank PRO app.
  - The customer is not entitled to a reward of IDR 70,000 (seventy thousand rupiah) as the customer split the foreign exchange (FX) purchase transaction into two separate transactions.
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.
Other Terms and Conditions
1. These General Terms and Conditions 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 of the Danamon Travel Fair Special 70th Anniversary Top-Up Balance Program”, the “General Terms and Conditions for Foreign Exchange Purchase and Sale Transactions via D-Bank PRO”, and the “General Terms and Conditions of D-Bank PRO”. 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.
2. Program Participants hereby agree and acknowledge that the Bank reserves the right to amend, modify or supplement these General Terms and Conditions of the Program from time to time, with notice provided via the communication channels available at the Bank. 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, as well as any other changes, Program Participants are entitled to submit their objections in writing to the Bank within 30 (thirty) working days from the date on which the Bank notifies such changes via the Bank’s communication channels. Program Participants agree that they shall be deemed to have accepted the notified changes if they do not raise an objection within the aforementioned period. Should a Program Participant not agree to such changes, they shall be entitled to cancel their participation in the Program, provided they have first settled all their obligations to the Bank (if any).
3. The Program Participant declares that they are not currently, and will not in future, carry out any transactions indicative of money laundering offences and/or other transactions prohibited under the laws and regulations in force in Indonesia.
4. Should there be any indication of fraud, deception, misuse, irregular transactions, unusual transactions, money laundering and/or actions inconsistent with applicable laws and regulations, the Bank reserves the right to cancel transactions, terminate the use of the Bank’s products/services, cancel participation in the Program, or revoke the provision of Program benefits to the Program Participant concerned. Program Participants remain obliged to settle all their liabilities to the Bank (if any).
5. Program Participants agree that funds placed in savings accounts with returns/interest rates exceeding the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation are not guaranteed by the Indonesia Deposit Insurance Corporation. Program Participants may enquire about changes to the maximum guaranteed interest rate through the Bank’s branches or via Hello Danamon. [Rewards received by Program Participants are also counted as part of the maximum guaranteed interest rate – this need not be stated if the reward is a reward from a raffle or a non-cash reward].
6. Should any provision of these General Terms and Conditions of the 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 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.
7. Should any irregularities relating to this Program be discovered, or should any suspected fraud occur, Program Participants are advised to report this immediately via Hello Danamon.
8. These Program Terms and Conditions are drawn up in Indonesian and English. In the event of any discrepancy in provisions or interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
9. 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.
10. These General Terms and Conditions of the Program have been aligned with the provisions of applicable laws and regulations, including the regulations of the Financial Services Authority.
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.

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 other parties or third parties in connection with, or on behalf of, the Program are beyond the control of Bank Danamon.

General Terms and Conditions of the Bank Danamon JCB Precious, Visa Infinite, AMEX Gold/Rose, Mastercard World, World Elite and AMEX Platinum Credit Card Application Program: Receive a Voucher of up to IDR 300,000 (Apply & Get) (“General Terms and Conditions of the Program”) set out the terms and conditions applicable to Program Participants participating in the Bank Danamon JCB Precious, Visa Infinite, AMEX Gold/Rose, Mastercard World, World Elite and AMEX Platinum Credit Card Application Program: Receive a Shopping Voucher (Apply & Get) (“Program”) at the Danamon Travel Fair – Special 70th Anniversary of Danamon event organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”) and form an integral and inseparable part of the Danamon Credit Card application form (“Form”).

Program Participants hereby agree to and are bound by all the provisions of the General Terms and Conditions of this Program, subject to the following terms and conditions:

Program Period
This program runs from 24 July 2026 to 9 August 2026 (“Program Period”)
Participants Criteria
This program is only available to prospective Program Participants or existing Program Participants of Bank Danamon who have never held a Bank Danamon credit card (“Program Participants”)
Program Terms and Conditions
1. Before joining the Program, Program Participants must read, understand and be fully aware of the characteristics, benefits, risks, costs and other terms and conditions of the Program, and agree to the General Terms and Conditions of this Program.
2. Bank Danamon reserves the right to refuse or cancel a Program Participant’s participation in this Program if the Program Participant fails to comply with the General Terms and Conditions of the Program.
3. The Program Participant bears full responsibility for any risks of loss, demands, lawsuits and/or claims arising from the Program Participant’s participation in and/or cancellation of participation in this Program.
4. Any Program Participant participating in this Program must first apply for a Bank Danamon JCB Precious, Visa Infinite, AMEX Gold/Rose, Mastercard World, World Elite or AMEX Platinum Credit Card by submitting an application in person at a Bank Danamon branch or booth within the venue of the Danamon Travel Fair – Special 70th Anniversary of Danamon during the Program Period.
5. This Program applies only to applications for primary cards, not supplementary cards.
6. Program Participants who have participated in the Program in accordance with the General Terms and Conditions of the Program are entitled to a reward in the form of a voucher worth up to IDR 300,000 (“Rewards”).
7. Rewards under this Program are available in limited quantities allocated to each host city and will be distributed on a daily basis throughout the event period in each city (“Daily Reward Quota”).
8. The Daily Reward Quota is limited to each day of the event (Friday–Sunday) in each city. Should the Daily Reward Quota for that day have been exhausted, the Program Participant shall not be entitled to the Reward on the same day.
9. Each Program Participant is entitled to receive the Reward only once. If the system detects that a Program Participant has registered twice during the same period, Bank Danamon reserves the right to reject the application for a Danamon Credit Card and not to award the Reward.
10. By submitting an application for a Bank Danamon Credit Card in accordance with the General Terms and Conditions of the Program, the Program Participant 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. The submission of the application by the Program Participant constitutes valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.
Rewards Terms and Conditions
Rewards can be redeemed from Bank Danamon sales staff at the Danamon Credit Card application counters during the Danamon Travel Fair – Danamon’s 70th Anniversary Special event. For verification purposes, Bank Danamon sales staff will record (i) the Program Participant’s name; (ii) the Program Participant’s ID card number; (iii) the card type; and (iv) the date of the card application.
Program Participants Complaints
1. Program Participants 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, which is available 24/7.
2. The procedure for the Program Participant complaints service can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
Other Terms and Conditions
1. Any other terms and conditions relating to Bank Danamon’s 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 on the Program Participant 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 Programme form an integral and inseparable part of the “General Terms and Conditions of Danamon Credit Card Membership”. Those terms and conditions shall remain in force insofar as they are not provided for in these General Terms and Conditions of the Program.
3. The Program Participant 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, fees, terms and conditions under these General Terms and Conditions of the Program, the Program Participant 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 Program Participant agrees that they shall be deemed to have accepted such changes if they do not raise an objection within the aforementioned period. Should the Program Participant 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 Program Participant 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.
5. Should there be any indication of fraud, deception, transaction irregularities, unusual transactions, money laundering and/or other actions that do not comply with applicable laws and regulations, Bank Danamon reserves the right to cancel transactions, suspend card usage, terminate participation in the Program, or withhold the award from the Program Participant concerned. Program Participants remain obliged to settle all outstanding obligations to Bank Danamon (if any).
6. 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.
7. The General Terms and Conditions of this Program have been aligned with the provisions of applicable laws and regulations, including the regulations of the Financial Services Authority.

Warning
Program Participants 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 other parties or third parties in connection with, or purporting to be on behalf of, the Program are beyond the control of Bank Danamon.

Danamon Travel Fair

Save up to 70% with Danamon LEBIH PRO Savings

Save up to 70% with Danamon LEBIH PRO iB Savings

Save up to IDR 7,000,000 with Danamon Debit, Credit, and Charge Card

Cashback IDR 70,000 with FX Transactions at D-Bank PRO

Apply Danamon Credit Card and Get Shopping Voucher up to IDR 300,000