Program HUT 70 Danamon Travel Fair

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	6–7 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 percent (seventy percent) 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 percent) 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 percent) 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, Tunas Travel, 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.	Tunas Travel
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 - 7 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 percent (seventy percent) 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 percent (twenty percent) 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.

These General Terms and Conditions of this Program (“General Terms and Conditions of this Program”) set out the terms and conditions applicable to Customers participating in the D-Bank PRO QRIS Danamon 2026 Anniversary – Travel Fair Program (“Program”) organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).

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

Program Period
The program runs from 24 July 2026 to 9 August 2026, hereinafter referred to as the (“Program Period”).
Participants Criteria
Customers eligible to participate in this Program are as follows:
1. Customers who hold a Danamon savings account; or
2. Customers who hold a Danamon credit card and have an active savings account throughout the Program period;
3. Customers who have and are registered on the latest version of the D-Bank PRO app; and
4. The Program also applies to Bank Danamon employees.
hereinafter referred to as (“Customers”).
Program Terms and Conditions
1. Customers are required to read and understand the General Terms and Conditions of this Program.
2. Bank Danamon reserves the right to refuse or cancel a Customer’s participation in this Program if the Customer fails to comply with the General Terms and Conditions of this Program.
3. 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.
4. The Program consists of the provision of a cashback reward (“Cashback Reward”) for payment transactions using QRIS D-Bank PRO, funded from a Bank Danamon savings account and/or credit card, with a minimum transaction value of IDR 10,000 (ten thousand rupiah) at all partner merchants as set out in the General Terms and Conditions of this Program (“Transactions”).
5. By carrying out transactions in accordance with the General Terms and Conditions of this Program, the Customer is deemed to have read, understood and agreed to participate in the Programme and to be bound by the General Terms and Conditions of this Program. The transactions carried out by the Customer constitute valid proof of the Customer’s participation in the Program and the Customer’s agreement to be bound by the General Terms and Conditions of this Program.

Terms and Conditions for Cashback Reward

Customers will receive a Cashback Reward provided they have met the General Terms and Conditions of this Program, whilst quotas remain available.

Customers may participate in the Program at the Danamon Travel Fair events held in 7 (seven) cities (“Danamon Travel Fair Events”). The Program is subject to a Cashback Reward Quota (“Program Quota”), which will be allocated as follows:

CITY	ADDRESS	MERCHANT NAME	PROGRAM REWARD	PROGRAM QUOTA	REWARD QUOTA
Bandung	Danamon Bandung Merdeka Branch Jl. Merdeka No.40, Babakan Ciamis, Kec. Sumur Bandung, Kota Bandung, Jawa Barat 40117	Dr Ells Sushi Tei	Cashback 70% Up to IDR 25,000	150 Transactions	A maximum of 1 (one) cashback reward per merchant during the program period
Surabaya	Danamon Surabaya Gubernur Suryo Branch Jl. Gubernur Suryo No.12, Embong Kaliasin, Kec. Genteng, Kota SBY, Jawa Timur 60271, Indonesia.	Laok Paok US Pizza RAGI Shanca Boba
Makassar	Danamon Slamet Riyadi Branch Jl. Slamet Riyadi No. 1 Makassar, Sulawesi Selatan, 90111	Morn Coffee Nanz Kitchen Bread and Beyond Batagor Siomay TJG Mbok Dijah Bucok Megaj Mie Euro Skin RMC Klinik
Semarang	Danamon Semarang Pemuda Branch Jl. Pemuda No. 175, Kota Semarang, Jawa Tengah, 50132	The Pound Lie Kuang Venice Aesthetic Clinic
Pekanbaru	Novotel Hotel Jl. Riau No.59, Kp. Baru, Senapelan, Kota Pekanbaru, Riau 28154	WW Ponsel La Serra Drs Clinique La Padella
Medan	Danamon Medan Diponegoro Branch JL. P. Diponegoro No. 35, Kota Medan, Sumatera Utara, 20152	Dose of Beauty Umegashi Radatime
Pontianak	Novotel Hotel Jl. Budi Karya No.88, Benua Melayu Darat, Kec. Pontianak Sel., Kota Pontianak, Kalimantan Barat 78122	Amico Amico

(“Cashback Quota”).

The Cashback Reward will be credited to the Customer’s savings account no later than 14 (fourteen) working days after the transaction has been made. If the Customer does not hold a Danamon savings account, they will not receive the Cashback Reward for the transaction.
The Cashback Reward will only be credited to the Customer’s savings account. If the Customer does not hold a savings account and carries out a Transaction using QRIS with funds sourced from a Credit Card, the Cashback Reward will not be awarded.
There is no charge for the Customer’s participation in this Program.
The Customer understands and agrees that should the Program quota be exhausted before the end of the Program Period, the Customer will not receive the Cashback Reward.
Should the Customer’s account used to carry out the Transaction be inactive, blocked or in any other condition that prevents the crediting of the Cashback Reward, the Customer hereby acknowledges that the Cashback Reward cannot be granted.
The Bank will pay any tax deductions arising (if any) on the receipt of the Cashback Reward in the form of a cashback payment to the relevant tax authority. All matters relating to the calculation and reporting of tax on the cashback received by Program Participants are entirely the responsibility of the Program Participants (self-assessment basis).

Customers Complaints
1. Customers 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 for handling customer complaints can be accessed via the website www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
Other Terms and Conditions
1. The General Terms and Conditions of this Program form an integral and inseparable part of the “General Terms and Conditions for Bank Danamon Accounts and Banking Services” and the “General Terms and Conditions of D-Bank PRO”, as well as any 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 this Program, the General Terms and Conditions of this Program shall prevail.
2. Products and/or services provided by merchant partners are not the products of, nor are they the responsibility of, Bank Danamon; they remain the sole responsibility of the merchant partner. Should any issues and/or complaints arise regarding such products, services and/or the Programme, please contact the relevant merchant partner.
3. The Customer hereby agrees and acknowledges that Bank Danamon reserves the right to amend, modify or supplement the General Terms and Conditions of this Program from time to time. Any amendments, additions or updates to the General Terms and Conditions of this Program will be notified via the communication channels available at Bank Danamon. In the event of any changes to the benefits, risks, costs, terms and conditions under the General Terms and Conditions of this Program, as well as any other changes, 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 Customer 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.
5. Should there be any indication of fraud, deception, misuse, irregular transactions, unusual transactions, money laundering offences and/or other actions that do not comply with applicable laws and regulations, Bank Danamon reserves the right to cancel the transaction, terminate the use of Bank Danamon’s products/services, cancel participation in the Program, or cancel the provision of Program benefits to the Customer concerned. The Customer remains obliged to settle all outstanding obligations to Bank Danamon (if any).
6. 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.
7. Should any irregularities relating to this Program be discovered, or should any suspected fraud occur, the Customer is advised to report this immediately to 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 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.
10. 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 (OJK).
11. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the Indonesia Deposit Insurance Corporation (LPS).

WARNING
Customers are advised to be wary of fraud perpetrated by individuals acting in the name of Bank Danamon who promise cashback in any form. Any fraud or other criminal acts committed by other parties or third parties in connection with, or in the name of, the Program are beyond the control of Bank Danamon.

These General Terms and Conditions of the Danamon 70th Anniversary Flash Sale Program (“General Terms and Conditions of the Program”) set out the terms and conditions applicable to Customers participating in the Danamon 70th Anniversary Flash Sale Program (“Program”) organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”) and form an integral and inseparable part of the Danamon 70th Anniversary Flash Sale Program Participation Form (“Participation Form”).

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 10 July to 9 August 2026 (“Program Period”).
Participant Criteria
This Program is open only to Bank Danamon customers who meet the following criteria (“Customers”):
1. Individual customers;
2. Must hold an active Danamon LEBIH PRO/Danamon LEBIH PRO iB account throughout the Program Period;
3. Customers registered for the Optimal or Privilege services at Bank Danamon; and
4. Must not be an employee of Bank Danamon, its subsidiaries or affiliates.

Program Terms and Conditions

Every customer participating in this Program must first register by completing and signing the Participation Form during the Program Period.
Customers must read and understand the General Terms and Conditions of the Program.
Bank Danamon reserves the right to refuse or cancel a customer’s participation in this Program if the customer fails to comply with the General Terms and Conditions of the Program.
Customers are fully responsible for any risks of loss, demands, lawsuits and/or claims relating to their participation in and/or cancellation of their participation in this Program.

Customers may register for the Program during the registration period applicable to each of the following cities:

City	Registration Period
Bandung	10–17 July 2026
Surabaya	10–17 July 2026
Semarang	17–24 July 2026
Medan	24–31 July 2026
Pontianak	24–31 July 2026

The registration requirements as set out in point 5 (five) above are as follows:

Customers must complete and sign the Program Participation Form
Customers must deposit fresh funds into their Danamon LEBIH PRO/Danamon LEBIH PRO iB account (“Fresh Fund Deposit”) no later than 7 (seven) calendar days prior to the Registration Period, by transferring funds from another bank account into their Danamon account.

The Fresh Fund Deposit as per point III.6.a above must be used to purchase foreign currency via D-Bank PRO (“Foreign Exchange Transactions”), as set out in the following table:

(a) Minimum Foreign Currency Purchase Amount at the Time of Registration (Rp)	(b) Nominal Amounts for Foreign Currency Purchases During the Flash Sale (Rp)	Minimum Number of Program Participants	Type of Flash Sale/Cashback Items	Normal Net Price (Rp)	Net Flash Sale Price (Rp)
IDR 70,000,000	IDR 20,000,000	7	Travel voucher equivalent to a Premium Travel Package to Japan (2 people)	IDR 60,000,000	IDR 42,000,000
IDR 70,000,000	IDR 20,000,000	7	iPhone 17 Pro, 256 GB	IDR 26,250,000	IDR 18,375,000
IDR 27,000,000	IDR 10,000,000	10	Apple Airpods Max	IDR 11,100,000	IDR 7,770,000
IDR 27,000,000	IDR 10,000,000	10	Apple iPad (A16) Wi-Fi only, 128 GB	IDR 8,242,500	IDR 5,769,750
IDR 27,000,000	IDR 10,000,000	10	DJI Osmo Pocket 3	IDR 6,825,000	IDR 4,777,500
IDR 17,000,000	IDR 5,000,000	10	Travel voucher worth IDR 5,000,000	IDR 5,000,000	IDR 3,500,000
IDR 17,000,000	IDR 5,000,000	10	IDR 800,000 cashback on a purchase of 1,000 USD	N/A	N/A

The purchase of foreign currency as per point III.6.c above must be made on the same date as the Program registration date.
Bank Danamon will notify the Customer as to whether or not the Program quota has been met within a maximum of 5 (five) working days following the end of the Registration Period for each city, as set out in point III.5 above, via the communication channels available at the Bank. Should the Program quota not be met, the Bank will notify the Customer that the Program cannot be carried out.
Customers may register for more than one Flash Sale item.

The terms and conditions of the Flash Sale event are as follows:

If a Customer has registered as per point III.6 above and has been contacted by Bank Danamon to confirm that the Program quota has been met, the Customer is obliged to attend the Flash Sale event in accordance with their city of registration at the branch office and on the dates as follows (“Flash Sale Event”):

City	Branch Address	Date
Bandung	Danamon Bandung Merdeka Branch Jl. Merdeka No. 40, Babakan Ciamis, Sumur Bandung Sub-district, Bandung City, West Java 40117	25 July 2026
Surabaya	Danamon Surabaya Governor Suryo Branch Jl. Gubernur Suryo No. 12, Embong Kaliasin, Genteng District, Surabaya City, East Java 60271, Indonesia.	24 July 2026
Semarang	Danamon Semarang Pemuda Branch Jl. Pemuda No. 175, Semarang City, Central Java, 50132	31 July 2026
Medan	Danamon Medan Diponegoro Branch Jl. P. Diponegoro No. 35, Medan City, North Sumatra, 20152	9 August 2026
Pontianak	Novotel Pontianak Convention Centre Jl. Budi Karya No. 88, Benua Melayu Darat, South Pontianak District, Pontianak City, West Kalimantan 78122	8 August 2026

Customers may only participate in the Flash Sale Event at the branch office as specified in point III.7.a above, in accordance with the city where the Customer registered.
Customers must bring proof of identity/ID card.
Customers must make a Fresh Fund deposit no later than 7 (seven) calendar days prior to the Flash Sale Event by transferring funds from another bank account into their Bank Danamon account.
At the time of the Flash Sale Event, the Fresh Fund deposit as per point III.7.e above may be used by the Customer to place bids for Foreign Exchange Transactions in accordance with the multiplier requirements set out in Table III.6.c. The Customer placing the highest bid for a Foreign Exchange Transaction will be given the opportunity to purchase the Flash Sale Item at the Flash Sale Price listed in Table III.6.c.
The Customer who submits the highest bid for a Foreign Exchange Transaction is obliged to execute a Foreign Exchange Transaction for the amount bid at the time of the Flash Sale Event. If the Flash Sale Event takes place outside of working days (Saturdays, Sundays and/or public holidays) or outside working hours, the Customer may place a hold on funds in their Danamon LEBIH PRO/Danamon LEBIH PRO iB account for the amount of the Foreign Exchange Transaction previously offered during the Flash Sale Event; the Customer must then execute the Foreign Exchange Transaction within a maximum of 1 (one) working day following the Flash Sale Event. The funds will remain blocked until the Foreign Exchange Transaction is carried out.
The Customer with the highest Foreign Exchange Transaction may purchase the Flash Sale Item at the Flash Sale Price as set out in point III.6.c above. That Customer must pay the Flash Sale Price to the Vendor collaborating with Bank Danamon.
If the Customer with the highest foreign exchange purchase transaction fails to make payment for the Flash Sale Item, the purchase of the Flash Sale Item will be awarded to the Customer with the second-highest foreign exchange purchase transaction, and so on.
If a Customer is unable to attend, they may be represented by another party on the basis of a power of attorney in the format specified by Bank Danamon.
If the Customer is unable to attend and does not appoint another party to represent them, the Customer agrees and hereby authorises Bank Danamon to cancel their participation. All results obtained from the Flash Sale Program process shall be deemed valid and accepted by the Customer.

The Customer understands and agrees that Foreign Exchange Transactions carried out outside the Bank’s working days and/or hours will use the exchange rate (counter rate) applicable at the time the transaction is executed.
Foreign exchange transactions must be from the Indonesian Rupiah to another foreign currency.
In accordance with Bank Indonesia’s regulations effective from 1 July 2026, the maximum limit for cash foreign currency purchases against the rupiah without supporting documentation (underlying) is set at USD 10,000 per person per month; therefore, should a Customer make an offer for any item under this Program that exceeds the maximum foreign currency purchase limit, the applicable regulations governing foreign currency purchases shall apply.
Bank Danamon reserves the right to cancel a Customer’s participation in this Program if the Customer fails to comply with the Program Terms and Conditions set by the Bank.
Bank Danamon reserves the right to cancel the Program if funds deposited and transacted under this Program are suspected of being linked to Money Laundering Offences (TPPU) and Terrorist Financing Offences (TPPT).

Terms and Conditions for Collection of Flash Sale Items
1. If the highest foreign currency purchase transaction is made on the same day as the Flash Sale Event, the Flash Sale Item will be handed over directly to the Customer at the Flash Sale Event.
2. If the highest foreign currency purchase transaction is made on a different day from the Flash Sale Event, the Flash Sale Item may be collected by the Customer at a Danamon Branch in the city of registration within a maximum period of:
  1. 20 (twenty) working days (for vouchers)
  2. 45 (forty-five) working days (for goods)
  from the date of the Flash Sale Event.
3. Specifically, cashback will be provided to the Customer by being credited to the Danamon LEBIH PRO/Danamon LEBIH PRO iB account registered for the Program within a maximum period of 20 (twenty) working days from the date of the Flash Sale event.
4. The type and colour of Flash Sale goods cannot be selected.
5. All matters relating to the calculation and reporting of tax on Flash Sale goods received by the Customer are entirely the Customer’s responsibility (on a self-assessment basis).
6. All types of Flash Sale Items already received by the Customer cannot be returned or exchanged for cash.
7. Bank Danamon does not act as a guarantor for Flash Sale Items obtained by the Customer under this Program; therefore, any complaints regarding the quality of Flash Sale Items must be addressed directly to the manufacturer of the Flash Sale Items.
8. Customers must inspect Flash Sale Items before accepting them. If the Flash Sale Items received by the Customer are damaged or defective (due to manufacturing or delivery), the Customer must report this to the Bank Danamon branch where they registered for the Program no later than 1 (one) working day after the Flash Sale Items were received by the Customer.
Program Risk
1. Customers who do not meet the Program’s General Terms and Conditions, including those who do not carry out foreign currency purchase transactions, will not be able to participate in the Program.
2. If the Program’s registration quota is not met, the Program will be cancelled.

Simulation

No	Customer Name	Registration Information	Description
1	Customer A	Registration Date: 15 July 2026 Registration Amount: IDR 70,000,000 (JPY) Product Type: iPhone 17 Pro, 256 GB Date quota was met: 19 July 2026	Customer A made a transfer from another bank on 15 July 2026 in the amount of IDR 70,000,000. Customer A completed and signed the Program participation form on 15 July 2026. Customer A carried out a foreign currency purchase transaction, namely JPY equivalent to IDR 70,000,000. As Customer A used fresh funds deposited within 7 (seven) calendar days prior to the funds being held, Customer A is eligible to participate in this Program. The registration quota was filled before the end of the Program period, so a Flash Sale event was held to determine the Customer’s Flash Sale Item. During the Flash Sale Event, Customer A successfully placed the highest bid for a foreign currency purchase transaction, namely IDR 80,000,000, and is therefore entitled to purchase an iPhone 17 Pro, 256 GB, at the Flash Sale price. Customer A made a transfer from another bank on 25 July 2026 in the amount of IDR 100,000,000. Customer A carried out a foreign currency purchase transaction, namely SGD equivalent to IDR 80,000,000, and made a payment to the vendor for goods amounting to IDR 18,375,000. The goods will be delivered to the Customer during the Flash Sale event.
2	Customer B	Registration Date: 22 July 2026 Registration Amount: IDR 27,000,000 (CNY) Product Type: DJI Osmo Pocket 4 Date quota was met: 30 July 2026	Customer B made a transfer from another bank on 20 July 2026 in the amount of IDR50,000,000. Customer B completed and signed the Program participation form on 22 July 2026. Customer A carried out a foreign currency purchase transaction, namely CNY equivalent to IDR 27,000,000. As Customer A used fresh funds deposited within 7 (seven) calendar days prior to the funds being held, Customer B is eligible to participate in this Program. The registration quota was filled before the Program period ended, so a Flash Sale event was held to determine the Customer’s Flash Sale item. During the Flash Sale Event, Customer B did not succeed in submitting the highest bid for a foreign currency purchase transaction; consequently, Customer B is not entitled to purchase the DJI Osmo Pocket 4 at the Flash Sale price.

Power of Attorney
1. The Customer hereby authorises Bank Danamon to: (i) freeze and/or unfreeze funds in accordance with the Participation Form, Cancellation Form and the General Terms and Conditions of the Program; and/or (ii) to debit the Customer’s account with Bank Danamon for the payment of a Penalty Fee or the reimbursement of a Reward Fee should the Customer cancel the Program in accordance with the Cancellation Form and the General Terms and Conditions of the Program.
2. The power of attorney granted by the Customer in these General Terms and Conditions of the Program is granted to the Bank with the right of substitution and, so long as the Customer’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: by the revocation of the power by the principal; by notice of termination of the power by the agent; by the death, incapacity or bankruptcy of the principal or the agent), 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 them) 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 .
Customer Complaints
1. Customers may lodge 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 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. The General Terms and Conditions of this Program form an integral and inseparable part of the “General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk”, the “General Terms and Conditions for Sharia Accounts and Banking Services of PT Bank Danamon Indonesia Tbk”, the “General Terms and Conditions for the Danamon LEBIH PRO Savings Account” and/or 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.
2. The terms and conditions relating to physical Flash Sale vouchers, including but not limited to the technical procedures for redemption at vendors designated by Bank Danamon, and the validity period of the vouchers, shall be governed by the terms and conditions set by the vendors designated by Bank Danamon.
3. The customer understands that for certain changes in accordance with the provisions of applicable laws and regulations, the Notice Period for Changes may be waived.
4. The Customer hereby agrees and acknowledges that Bank Danamon is entitled to amend, modify or supplement the General Terms and Conditions of this Program from time to time. Any amendments, additions or updates to the General Terms and Conditions of this Program will be notified via the communication channels available at Bank Danamon. In the event of any changes to the benefits, risks, fees, terms and conditions set out in the General Terms and Conditions of this Program, the Customer is entitled to submit a written objection to Bank Danamon within 30 (thirty) working days from the date on which Bank Danamon notifies such changes via its communication channels. The Customer agrees that they shall be deemed to have accepted such changes if they do not raise an objection within that period. Should the Customer not agree to the changes, they are entitled to cancel their participation in the Program, provided they have first settled all their obligations to Bank Danamon (if any).
5. 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.
6. The Customer declares that there are no, and will be no, transactions indicating money laundering offences and/or other transactions prohibited under the laws and regulations in force in Indonesia.
7. Should there be any indication of fraud, deception, transaction irregularities, unusual transactions, money laundering and/or actions that contravene applicable laws and regulations, Bank Danamon reserves the right to cancel the transaction, terminate participation in the Program, or withhold the award from the Customer concerned. The Customer remains obliged to settle all outstanding obligations to Bank Danamon (if any).
8. The Customer agrees that funds placed in a savings account with a return exceeding the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation are not guaranteed by the Indonesia Deposit Insurance Corporation. Prizes received by the Customer are also taken into account as part of the maximum guaranteed interest rate. The Customer may enquire about changes to the maximum guaranteed interest rate at any Bank Danamon branch or via Hello Danamon.
9. The General Terms and Conditions of this Program have been aligned with applicable laws and regulations, including the regulations of the Financial Services Authority and the deposit insurance interest rate provisions set out in the regulations of the Indonesia Deposit Insurance Corporation.
10. 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 must be wary of fraud committed 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 associated with or acting on behalf of Bank Danamon or the Program are beyond the control of Bank Danamon.

These General Terms and Conditions of the 15% (fifteen percent) Savings Program and Extra Baggage Allowance for flights to Japan (“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 the Danamon JCB Precious Credit Card (“Cardholders”) and who participate in the 15% (fifteen percent) and Extra Baggage Program 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: Bank Danamon credit cards bearing the JCB Precious logo, excluding corporate cards (“Cards”).

Terms and Conditions of the Program

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, demands, lawsuits and/or claims arising from their participation in and/or cancellation of their participation in this Program.

The Program is valid as follows:

Save 15% Program

The program operates under the following scheme:

Minimum transaction (IDR)	% Discount	Maximum Discount (IDR)	Quota per City
30,000,000	15%	4,500,000	70

The program applies to the purchase of ANA tickets for flights to Japan.
The program cannot be combined with the ‘Save up to IDR 7,000,000’ program.
The program applies to direct purchases (offline transactions) at travel agents participating in the Danamon Anniversary Travel Fair.
The program is valid for only one transaction per day using the same card number, whilst stocks last.
The program applies to the purchase of both economy class and business class flight tickets.
Passengers do not need to be Cardholders to purchase flight tickets.
The program cannot be used multiple times.
The program applies to both primary and supplementary credit cards.
Cardholders agree that if the quota referred to in point 4.I.a above has been exhausted, they will not receive a direct discount or price reduction even if the Program Period has not yet ended.
The terms and conditions regarding cancellation, refunds, rescheduling and reissuing of flight tickets are subject to the policies of ANA and the relevant travel agent.
Blackout dates apply as specified by ANA.

Excess Baggage Program:
1. The excess baggage allowance applies to any Cardholder who has enrolled in the 15% Savings Program as set out in point 4.I.
2. The excess baggage allowance is limited to one piece of luggage per customer and applies to only one flight from Japan to Jakarta.
  Example : if a customer purchases tickets for JAKARTA – OSAKA, OSAKA – TOKYO, and TOKYO – JAKARTA, the extra baggage allowance can only be claimed for flight TOKYO – JAKARTA.
3. The program applies to direct purchases (offline transactions) at travel agents participating in the Danamon Anniversary Travel Fair.
4. The program is subject to a maximum of 70 (seventy) transaction quotas per city where the Danamon Anniversary Travel Fair is held.
5. The program applies to the purchase of both economy class and business class flight tickets.
6. The program applies to both Primary Cards and Supplementary Cards.
7. The program applies to 1 (one) transaction per identical card number.
8. The benefits provided under the Program are non-refundable and cannot be exchanged for cash.
9. The Program cannot be combined with other offers.
10. The Program applies to both Primary Cards and Supplementary Cards.
11. Cardholders understand and agree that if the quota referred to in point 4.II.d above has been exhausted, the Cardholder 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 procedures relating to 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 of the Program 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 is entitled to amend, modify or supplement these General Terms and Conditions of the Programme 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, fees, 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 they shall be deemed to have accepted such changes if they do not raise an objection within the aforementioned period. Should the Cardholder not agree to such changes, they are entitled to cancel their participation in the Program, provided they have first settled 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 indicative of 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, misuse, irregular transactions, unusual transactions, money laundering and/or actions that do not comply 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 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 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
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.

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 – 7 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 - 7 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 - 7 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 this Danamon 70th Anniversary Travel Fair Program (Global Currency Card – Danamon LEBIH PRO iB) (“General Terms and Conditions”) set out the terms and conditions applicable to Customers participating in the Danamon 70th Anniversary Travel Fair Program (Global Currency Card – Danamon LEBIH PRO iB) (“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 this 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 participants who meet the following criteria (“Program Participants”):
1. Individual customers who hold a Danamon LEBIH PRO iB account.
2. Customers who hold an active Global Currency Card (Danamon Global Currency Card) bearing the Mastercard logo.
3. Open to all customers, including Bank Danamon employees.

Terms and Conditions of the Program

Program Participants must read and understand the General Terms and Conditions of the Program.
The Bank 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.
Program Participants are fully responsible for all risks, losses, demands, lawsuits and/or claims arising from their participation in and/or cancellation of their participation in this Program.
The Program is open to customers who have participated in the Danamon Travel Fair Top Up Balance program.
The Program is open to customers holding a Global Currency Debit Card bearing the Mastercard logo (“Card”) with the Danamon LEBIH PRO iB product.

Program Participants may take part in the Program at the Danamon Travel Fair events held in 7 (seven) branch cities (“Danamon Travel Fair Events”), namely:

No	City	Venue	Address	Travel Bureau	Program Period*
1	Bandung	Danamon Bandung Merdeka Branch	Jl. Merdeka No.40, Babakan Ciamis, Kec. Sumur Bandung, Kota Bandung, Jawa Barat 40117	Dago Wisata	24 - 25 July 26
2	Surabaya	Danamon Surabaya Gubernur Suryo Branch	Jl. Gubernur Suryo No.12, Embong Kaliasin, Kec. Genteng, Kota Surabaya, Jawa Timur 60271, Indonesia.	Tunas Tour	24 - 26 July 26
3	Makassar	Danamon Makassar Slamet Riyadi Branch	Jl. Slamet Riyadi No. 1 Makassar, Sulawesi Selatan, 90111	Meida Wisata	31 July - 2 August
4	Semarang	Danamon Semarang Pemuda Branch	Jl. Pemuda No. 175, Kota Semarang, Jawa Tengah, 50132	Wanda Fatimah Zahra	31 July - 2 August
5	Pekanbaru	Novotel Pekanbaru	Jl. Riau No.59, Kp. Baru, Senapelan, Kota Pekanbaru, Riau 28154	Tridaya Pesona Wisata	6 - 7 August 2026
6	Medan	Danamon Medan Diponegoro Branch	JL. P. Diponegoro No. 35, Kota Medan, Sumatera Utara, 20152	Siar Haramain	7 - 9 August 2026
7	Pontianak	Novotel Pontianak Convention Centre	Jl. Budi Karya No.88, Benua Melayu Darat, Kec. Pontianak Sel., Kota Pontianak, Kalimantan Barat 78122	Khafilah Maghfirah	7 - 9 August 2026

*) Periode program mengikuti tanggal Acara Danamon Travel Fair yang berlaku.

The program applies to all purchases made directly from participating merchant partners at the Danamon Travel Fair during the Program Period.

The program details are as follows:

Type of Card	Event City	Program Scheme
Type of Card	Event City	Discount (IDR)	Min. Transaction (IDR)	Total Quota	Program Period*
Danamon Global Currency Card (Danamon LEBIH PRO iB)	Bandung	700,000	17,000,000	6	24 – 25 Jul 26
	Surabaya	700,000	17,000,000	6	24 – 26 Jul 26
	Total			12
	Makassar	700,000	17,000,000	6	31 July - 2 August
	Semarang	700,000	17,000,000	6	31 July - 2 August
	Total			12
	Pontianak	700,000	17,000,000	6	7 - 9 August 2026
	Medan	700,000	17,000,000	6	7 - 9 August 2026
	Pekanbaru	700,000	17,000,000	6	6 - 7 August 2026
	Total			18
	Grand Total			42

*)The program period corresponds to the dates of the Danamon Travel Fair.

The program is valid for only 1 (one) transaction per day per card number, whilst stocks last.
For purchases at participating merchants, prospective passengers or those registering for religious pilgrimages do not need to be Program Participants.
The program cannot be combined with other offers.
Program Participants agree that if the quota as referred to in the Program Scheme above has been exhausted, they will not receive an immediate discount even if the Program Period has not yet ended.
The terms and conditions regarding cancellation, refunds, rescheduling or reissuing of flight tickets, hotel bookings or other products are subject to the policies of the respective airlines and travel agencies concerned.
Blackout dates apply in accordance with the terms and conditions of each airline. Blackout dates are specific dates determined by the airline’s policy (usually during peak holiday periods or high season) when Program Participants cannot use promotional tickets, special discounts, or redeem points/miles.
Discount rewards are applied directly when Program Participants make a transaction at the Danamon Travel Fair event.
Program Participants are not charged any fees for participating in the Program.
By making a transaction in accordance with the General Terms and Conditions of this Program, Programme Participants are deemed to have read, understood and agreed to participate in the Program and to be bound by the General Terms and Conditions of this Program. Transactions made by the Cardholder constitute valid proof of the Program Participant’s participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of this Program.

Risks
1. Program Participants will not receive a Reward if they do not comply with the General Terms and Conditions of this Program.
2. Program Participants will not receive a Reward if the discount quota has been exhausted during the Program Period.
Customers 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.
2. For full details of the procedures and mechanisms regarding the customer complaints service, please refer to Bank Danamon’s official website, which can be accessed via the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses- Penanganan-Keluhan-Nasabah.
Other Terms and Conditions
1. Products and/or services provided by merchant partners are not the products of, nor are they the responsibility of, Bank Danamon; they are therefore entirely the responsibility of the merchant partners. Should you encounter any issues and/or have any complaints regarding these products, services and/or programmes, please contact the relevant representative of the merchant partners.
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 of PT Bank Danamon Indonesia Tbk”, the “General Terms and Conditions for Danamon Debit/ATM Cards”, the “General Terms and Conditions for Danamon LEBIH PRO iB Savings”, and/or 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 this Program, the General Terms and Conditions of this Program shall prevail.
3. Products and/or services provided by merchant partners are not the products of, nor are they the responsibility of, Bank Danamon, and remain the sole responsibility of the relevant merchant partner. Should any issues and/or complaints arise in relation to the products or services of a merchant partner, Program Participants may contact the relevant merchant partner.
4. Program Participants hereby agree and acknowledge that Bank Danamon reserves the right to amend, modify or supplement the General Terms and Conditions of this Program. In the event of any changes to the benefits, risks, costs, conditions and terms set out in the General Terms and Conditions of this Program, as well as any other changes, Program Participants are entitled to submit their objections in writing to Bank Danamon within 30 (thirty) working days from the date on which Bank Danamon notifies such changes via Bank Danamon’s communication channels. Program Participants agree that they shall be deemed to have accepted such changes should they fail to raise an objection within the aforementioned period. Should Program Participants 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 Bank Danamon (if any).
5. Program Participants declare 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.
6. Should there be any indication of fraud, deception, misuse, irregular transactions, unusual transactions, money laundering offences, and/or other actions that do not comply with applicable laws and regulations, Bank Danamon reserves the right to cancel the transaction, terminate the use of Bank Danamon’s products/services, cancel participation in the Program, or cancel the provision of Program benefits to the Program Participant concerned. Program Participants remain obliged to settle all their obligations to the Bank (if any).
7. Program Participants agree that funds placed in savings accounts with returns exceeding the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation are not guaranteed by the Indonesia Deposit Insurance Corporation. Rewards received by Program Participants are also taken into account as part of the maximum guaranteed interest rate. Program Participants may enquire about changes to the maximum guaranteed interest rate at any Bank Danamon branch or via Hello Danamon.
8. 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.
9. Should any irregularities relating to this Program be discovered, or should any suspected fraud occur, Program Participants are advised to report this immediately to 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. 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.
13. 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
Program participants must be wary of fraud committed by individuals acting in the name 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 in the name of, the Program fall outside the remit of Bank Danamon.

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 – 07 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 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 (“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 individuals who meet the following criteria (“Program Participants”)
1. Have never previously held a Bank Danamon Credit Card; and
2. Apply for a Bank Danamon JCB Precious, Visa Infinite, AMEX Gold/Rose, Mastercard World, World Elite, or AMEX Platinum Credit Card (“Bank Danamon Credit Card”)
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 participate in the program in accordance with these General Terms and Conditions are entitled to receive a Shopping Voucher (“Reward”). The value of the reward is determinde based on the type of Bank Danamon Credit Card applied for as follows:
  1. JCB Precious Credit Card: Shopping Voucher worth Rp100.000;
  2. Visa Infinite, AMEX Gold/Rose, and Mastercard World Credit Card: Shopping Voucher worth Rp200.000; and
  3. World Elite and AMEX platinum: Shopping Voucher worth Rp300.000.
7. Rewards under this Programs are available in limited quantities allocated to each host city and wil be distributed daily throughout the event period in each city (“Daily Reward Quota”). Rewards will only be provided while the Daily Reward Quota remains available. Once the Daily Reward Quota has been exhausted, Program Participants shall no longer be entitled to receive the Reward on that day.
8. 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.
9. 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. 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.
5. 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.

These General Terms and Conditions of the Danamon Anniversary 0% Installment Travel Fair Program (“General Terms and Conditions of the Program”) set out the terms and conditions applicable to Cardholders participating in the Danamon Anniversary 0% Installment Travel Fair Program (“Program”) organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”) in collaboration with merchant partners participating in the Danamon Anniversary Travel Fair (“Application”).

Program Period
This program applies to applications submitted between 24 July 2026 and 9 August 2026 (“Program Period”).
Participants Criteria
Customers eligible to participate in this Program are as follows:
1. Customers who hold an active Bank Danamon credit or charge card during the Program Period.
2. Customers who make transactions with participating merchants during the Travel Fair event.
3. Customers who make transactions as set out in the Program’s General Terms and Conditions.
hereinafter referred to as (“Cardholders”).

Terms and Conditions of the Program

The program is open to Bank Danamon customers who hold and use the following types of cards (“Cardholders”): Bank Danamon Credit Cards and Charge Cards bearing the Visa, Mastercard, JCB or American Express logos, excluding corporate cards (“Cards”).
Cardholders must read and understand the General Terms and Conditions of the Program.
Bank Danamon 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, demands, lawsuits and/or claims arising from their participation in and/or cancellation of their participation in this Program.
The card must be active, up to date with payments, and not blocked.

The 0% Installment Program applies as follows:

Tenor	Rate	Admin Fee
3 months	0%	IDR 25,000
6 months
12 months

The program applies to both primary and supplementary cards.
Bank Danamon will charge an administration fee of IDR 25,000 (twenty-five thousand rupiah) for each transaction converted into installments by the Cardholder. Partner merchants are not involved in the imposition of any additional fees. The applicable fees can be viewed at https://bdi.co.id/tarifdanbiayabdi.co.id/tarifdanbiaya.
Any transaction converted into instalments will not earn D-Points or Membership Rewards Points;
This program cannot be combined with other programs and/or promotions.
By making 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. Transactions carried out by the Cardholder serve as valid proof of the Cardholder’s participation in the Program and the Cardholder’s agreement to be bound by the General Terms and Conditions of the Program.
Interest and administration fees will be calculated based on the selected installment period and will be charged to the Cardholder for each transaction converted into installments.
Interest on installments is calculated using a fixed installment method, whereby the total fixed installment comprises unequal portions of the principal loan and interest each month; this composition will be inversely proportional from the first installment until the final installment is paid to Bank Danamon.
The conversion of a transaction into an installment plan will be processed within 1–2 (one to two) working days after the transaction has been successfully posted. If the transaction is not successfully posted within 5 (five) working days, the Program application will be cancelled.
If required in accordance with Bank Danamon’s policy, Bank Danamon will confirm this by telephone to the Cardholder’s mobile number recorded in Bank Danamon’s system.
Bank Danamon reserves the right to refuse or cancel a Cardholder’s participation in the Program if they do not meet the Program’s General Terms and Conditions and/or if, following an assessment or review by Bank Danamon, it is found that the transaction does not comply with Bank Danamon’s policies.
Any early repayment or cancellation of a Program transaction will incur a penalty charge of 5 per cent (five per cent) of the outstanding principal of the Program loan and the interest accrued at that time (if any).
For any delay in payment of Program installments, the Cardholder will be charged a penalty in accordance with Bank Danamon’s applicable fee schedule.
In the event that the Cardholder fails to pay the minimum amount due on a Bank Danamon Credit Card or Charge Card (or fails to pay the full amount due, specifically for the Danamon American Express Charge Card) for 2 (two) consecutive months by the due date, Bank Danamon will charge the entire outstanding principal balance plus a penalty fee of 5% (five per cent) of the outstanding principal balance of the Program, late payment charges and the interest accrued at that time (if any).

Power of Attorney
1. For the purposes of this Program, the Cardholder hereby authorises Bank Danamon to convert transactions made using the Cardholder’s Card into installments.
2. The authorisation granted by the ProgramParticipant in the General Terms and Conditions of this Program is granted to the Bank with the right of substitution and, so long as the Program Participant’s obligations to the Bank have not been fully discharged, such authorisation 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 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 carry out 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 Indonesian Civil Code and the aforementioned powers of attorney form an integral part of the General Terms and Conditions of this Program.
Program Participants Complaints
1. Program Participants and/or their representatives may lodge complaints regarding banking products or services either verbally or in writing via the nearest Bank branch, Hello Danamon (1-500-090) or by email at hellodanamon@danamon.co.id.
2. The procedures 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. Products and/or services provided by partner merchants are not the responsibility of Bank Danamon and are therefore entirely the responsibility of the partner merchants. Should you encounter any issues and/or have any complaints regarding these products and/or services, please contact the relevant partner merchant.
2. The Cardholder 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.
3. Should there be any indication of fraud, deception, transaction irregularities, 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 the use of the Card, and/or suspend the provision of benefits and/or installments to the Cardholder.
4. Other terms and conditions relating to banking products and/or services, insofar as they are not otherwise provided for in these General Terms and Conditions of the Program, shall remain in force and binding upon the Cardholder and shall form an integral and inseparable part of these General Terms and Conditions of the Program.
5. These General Terms and Conditions of the Program constitute a single whole and form an integral part of the “General Terms and Conditions of Danamon Credit Card Membership” and the “General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership”. These terms and conditions shall remain in force unless otherwise provided for in these General Terms and Conditions of the Program.
6. The Cardholder hereby agrees and acknowledges that Bank Danamon is entitled to amend, modify or supplement these General Terms and Conditions of the Program. 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 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 Bank Danamon shall deem the Cardholder 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 they have first settled all outstanding obligations to Bank Danamon (if any).
7. Cardholders may lodge a complaint regarding banking transactions 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.
8. The procedure for making a complaint can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
9. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and is a participant in the Indonesia Deposit Insurance Corporation.
10. 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 must be wary of fraud committed 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 50 percent (fifty percent) Savings Program for Purchases of Haagen-Dazs Products at the Danamon Travel Fair Event (“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 (“Cardholders”) who participate in the 50% (fifty percent) Savings Program for the Purchase of Haagen-Dazs Products at the Danamon Travel Fair Event (“Program”) organised by the Bank in conjunction with Haagen-Dazs, its merchant partner.

Cardholders hereby agree to and are 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”).
Program Participants Criteria
The program applies to transactions using D-Bank PRO QRIS with funds from a Savings Account (“QRIS Debit”) and/or funds from a Credit Card (“QRIS CC”), for the following Cardholders: Bank Danamon Debit/ATM Cards bearing the Mastercard and GPN logos, and Danamon Credit Cards bearing the Visa, Mastercard and JCB logos, but excluding Corporate Credit Cards (“Cards”).

Participating Branch

The program applies to purchases of Haagen-Dazs products at the Danamon Travel Fair event, subject to the following event locations and dates:

No	Event Date	City	Location	Address
1	24 - 25 Jul 2026	Bandung	Danamon Bandung Merdeka Branch	Jl. Merdeka No.40, Babakan Ciamis, Kec. Sumur Bandung, Kota Bandung, Jawa Barat 40117
2	24 - 26 Jul 2026	Surabaya	Danamon Surabaya Gubernur Suryo Branch	Jl. Gubernur Suryo No.12, Embong Kaliasin, Kec. Genteng, Kota SBY, Jawa Timur 60271
3	31 Jul - 2 Aug 2026	Makassar	Danamon Slamet Riyadi Branch	Jl. Slamet Riyadi No. 1 Makassar, Sulawesi Selatan, 90111
4	31 Jul - 2 Aug 2026	Semarang	Danamon Semarang Pemuda Branch	Jl. Pemuda No. 175, Kota Semarang, Jawa Tengah, 50132
5	7 - 9 Aug 2026	Medan	Danamon Medan Diponegoro Branch	JL. P. Diponegoro No. 35, Kota Medan, Sumatera Utara, 20152

Terms and Conditions of the Program
1. Cardholders must read and understand the General Terms and Conditions of the Program.
2. 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.
3. Cardholders 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.
4. The Program is subject to the following terms and conditions:
  1. The Program offers a 50% (fifty percent) discount, valid with minimum transaction of IDR 700,000 (seven hundred thousand Rupiah).
  2. The program applies to purchases of all Haagen-Dazs products (Pint, Mini Cup and Stick Bar) available during the Danamon Travel Fair event.
  3. The program is valid every day throughout the Programme Period.
  4. The program applies to both primary and supplementary cards.
  5. The program does not apply to multiple transactions or split bills.
  6. The program cannot be combined with other programs and/or promotions.
5. By carrying out transactions in accordance with the Program’s General Terms and Conditions, the Cardholder is deemed to have read, understood and agreed to participate in the Program and to be bound by the Program’s General Terms and Conditions. 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 Program’s General Terms and Conditions.
Customers Complaints
1. Cardholders and/or their representatives may lodge a complaint regarding banking transactions or services, either verbally or in writing, via their nearest Bank branch, Hello Danamon (1-500-090) or by email at hellodanamon@danamon.co.id.
2. The procedures 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 of the Program form an integral and inseparable part of the “General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk”, the “General Terms and Conditions for Danamon Debit/ATM Cards”, the “General Terms and Conditions for Danamon Credit 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 and/or services provided by merchant partners are not the Bank’s products or the Bank’s responsibility; they remain entirely the responsibility of the merchant partner. Should any issues and/or complaints arise in relation to such products, services and/or the Program, the Cardholder may contact the relevant merchant partner.
3. The Cardholder hereby agrees and acknowledges that the Bank 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 the Bank. 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 the Bank within 30 (thirty) working days from the date on which the Bank notifies such changes via the Bank’s communication channels. The Cardholder agrees that they shall be deemed to have accepted such changes if they do not raise an objection within the aforementioned period. Should the Cardholder not accept such changes, they are entitled to cancel their participation in the Program, provided they have first settled all their obligations to the Bank (if any).
4. The Cardholder 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. In the event of indications of fraud, deception, misuse, irregular transactions, unusual transactions, money laundering offences, and/or other actions that do not comply with applicable laws and regulations, the Bank reserves the right to cancel the transaction, terminate the use of the Bank’s products/services, cancel participation in the Program, or cancel 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 to 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
Cardholders must be wary of fraud perpetrated by individuals acting on behalf of the Bank 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 Bank or the Program are beyond the Bank’s control.

Danamon Travel Fair

Save up to 70% with Danamon LEBIH PRO Savings

Save up to 70% with Danamon LEBIH PRO iB Savings

Cashback 70% up to IDR 25K with QRIS D-Bank PRO

Flash Sale Pay Only 70% with FX Transaction

Save 15% and Extra Baggage with Danamon JCB Precious Credit Card

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

Save up to IDR 700K with Danamon Global Currency Card

Cashback IDR 70K with FX Transactions at D-Bank PRO

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

0% Installment with Danamon Credit and Charge Card

Save 50% for Häagen-Dazs Products