Home Credit Indonesia Exhibition Program

This program takes place from 27 to 31 July 2026 (“Program Period”).

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

1. Customers must read and understand the General Terms and Conditions of this Program.
2. The Bank reserves the right to refuse or cancel a Customer’s participation in this Program if the Customer fails to comply with the General Terms and Conditions of this Program.
3. The Customer is responsible for any risks of loss, demands, lawsuits and/or claims arising from the Customer’s participation in and/or cancellation of participation in this Program.
4. 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 Program and to be bound by the General Terms and Conditions of this Program. Such transactions constitute valid proof of the Customer’s participation in the Programme and their agreement to be bound by the General Terms and Conditions of this Program.
5. There is no charge for the Customer’s participation in this Program, except for any administrative fees as may be determined by the Partner in connection with the financing application.

1. The program is open to customers who attend and make a purchase at the Danamon – Home Credit Indonesia Exhibition during the program period.
2. Customers must:
   1. Hold an active savings account with the Bank (personal account);
   2. Open a savings account at a Bank branch (if the Customer does not already hold an active account with the Bank);
   3. Purchase a product from the iPhone, Oppo, Vivo, Infinix, Samsung ranges or other brands on offer (“Products”) at a Bank branch during the Danamon – Home Credit Indonesia Exhibition, with financing provided by a Partner and applied for via the My Home Credit app;
   4. Register for/bind a Danamon Direct Debit (recurring) as the source of payment for installments on the purchase of products from the iPhone, Oppo, Vivo, Infinix, Samsung or other brands as per point c, using the Danamon savings account number in the Partner’s My Home Credit app. For Danamon LEBIH PRO Savings accounts, debits will be made from the rupiah-denominated account).
3. Upon purchase of a Product in accordance with the provisions of point 2 above, Customers who meet the credit underwriting criteria applicable at the Partner will receive financing from the Partner, the details of which are as follows:
   iPhone, Oppo, Vivo, and Infinix Product Series

   Brand	iPhone	Oppo	Vivo	Infinix
   Model	iPhone 13 series iPhone 14 series iPhone 15 series iPhone 16 series iPhone 17 series iPhone Air	Oppo Reno16 series Oppo Find X9 series	Vivo X300 Ultra	Infinix Note 60 series Infinix Note Edge Infinix Hot 70 series Infinix GT 50 Pro Infinix Note Pininfarina Infinix Xpad Edge

   Description	Value	Explanation
   Special Interest	Special interest up to 0%	Customers have the opportunity to qualify for an interest rate of up to 0%, provided they meet the credit underwriting criteria applicable at Partner.
   Tenor	14 months (12+2)	Customers will be offered a special interest rate for a 14-month term. If the customer consistently makes their installment payments on time, they will only be required to pay for 12 (twelve) months of the 14-month term.
   Admin Fee	IDR 0	Customers are exempt from administration fees when making purchases at Danamon branches, as set out in these General Terms and Conditions.
   Monthly Fee	IDR 0	Customers are exempt from monthly fees when making their monthly installment payments, as set out in these General Terms and Conditions.

   Samsung and Other Brands Product Series

   Product	Description	Value	Explanation
   Samsung Series and Other Brands	Special interest	Special interest up to 0%	Customers have the opportunity to receive an interest rate of up to 0% if they meet the credit underwriting criteria applicable at Partner.
   	Tenor	12 months (10+2)	Customers will receive a special interest rate for a 12-month term. If customers consistently make their installment payments on time, they will only need to pay for 10 (ten) months of the 12-month term.
   	Admin Fee	IDR 299,000 - IDR 399,000	Customers will be charged an administration fee when making a purchase at a Danamon branch, as set out in these General Terms and Conditions.
   	Monthly Fee	IDR 10,000	Customers will be charged a monthly fee when making their monthly installment payments, as set out in these General Terms and Conditions.

   hereinafter referred to as the (“Partner Financing Promotion”). Other terms and conditions, such as insurance and other charges, are subject to the Partner’s terms and conditions.

1. The program is open to customers who attend and purchase products at the Danamon – Home Credit Indonesia Exhibition during the program period.
2. Customers who have purchased products in accordance with clause 2 of the “Terms and Conditions of the 0% Interest, No Administration Fees and No Monthly Fees Program” and who have met the credit underwriting criteria applicable at the Partner are entitled to an Indomaret shopping voucher, subject to the following conditions:

   Period	Reward	Daily Quota	Total Quota
   27 – 31 July 2026	Indomaret Shopping Voucher of IDR 250 thousand	The first 7 customers	35 vouchers during the Program Period

3. Eligible customers for the Indomaret Shopping Voucher will be determined based on the order of transactions that meet all the Program’s requirements and have been verified by HCI.
4. The Indomaret Shopping Voucher is a digital voucher and will be distributed by PT Home Credit Indonesia (HCI) via HCI Sales Agents to eligible customers once the finance transaction has been approved and the Bank Danamon Direct Debit facility has been successfully activated.
5. Indomaret Digital Vouchers cannot be redeemed for cash, transferred to another party, or exchanged for rewards and/or other benefits.
6. Decisions made by the Bank and/or PT Home Credit Indonesia regarding the implementation of the Program and the selection of recipients of Indomaret Digital Vouchers are final in accordance with the applicable terms and conditions.

Program Illustration Examples:

1. Program 1 Flowchart (Illustration: Customer already has a Danamon account, receives the Partner Financing Promotion, and makes installment payments on time)
   1. Customer A intends to purchase a Samsung S26 using Partner Financing at the BDI Surabaya Gubernur Suryo branch, worth IDR 15,000,000, on 28 July 2026.
   2. Customer A already holds a Danamon Lebih PRO account and is willing to register for/set up Danamon Direct Debit, thereby qualifying to apply for Partner Financing under the Partner Financing Promotion.
   3. If Customer A meets the applicable Partner financing assessment criteria (Partner credit underwriting), the Partner financing contract on the My Home Credit app will be approved and finalised under the applicable Partner Financing Promotion.
   4. Based on the analysis carried out by the Partner regarding Customer A’s profile, the interest rate on Customer A’s installments is 0%.
   5. The administration fee for the Partner’s financing, payable by Customer A, is IDR 300,000
   6. Customer A is then directed to set up a Danamon Direct Debit for the financing contract for the purchase of the Samsung S26 via the My Home Credit app.
   7. For these transactions, the customer is entitled to an Indomaret shopping voucher worth IDR 250,000
   8. In August 2026, Customer A makes the first installment payment of IDR 1,250,000 and will be charged a monthly fee of IDR 10,000 each subsequent month automatically via the previously linked Danamon direct debit, provided there are sufficient funds.
   9. Customer A makes their installment payments on time every month, so they only need to make installment payments of IDR 1,250,000 for 10 months.
2. Program 2 Flowchart (Illustration: Customer does not yet have a Danamon account, receives a Partner Financing promotion, makes installment payments on time)
   1. Customer B intends to purchase an iPhone 17 using Partner Financing at the BDI Surabaya Gubernur Suryo branch for IDR 18,000,000 on 29 July 2026
   2. Customer B does not yet have a Danamon account, so they are directed to open an account at a Danamon branch. Once the account has been opened and Customer B is willing to register for/link Danamon Direct Debit, they are eligible to apply for Partner Financing under the Partner Financing Promotion.
   3. If Customer B meets the applicable financing analysis criteria at the Partner (Partner’s credit underwriting), the Partner’s financing contract on the My Home Credit app will be approved and established under the applicable Partner Financing Promotion.
   4. Based on the Partner’s analysis of Customer B’s profile, the interest rate on Customer B’s installments is 0%.
   5. The administration fee for the Partner financing to be paid by Customer B is IDR 0
   6. Customer B is then directed to set up a Danamon Direct Debit for the financing contract for the purchase of the iPhone 17 via the My Home Credit app.
   7. For these transactions, the Customer is entitled to an Indomaret shopping voucher worth IDR 250,000
   8. In August 2026, Customer B makes the first installment payment of IDR 1,500,000 and is automatically exempt from monthly fees for each subsequent month via the previously linked Danamon direct debit, provided there are sufficient funds in the account.
   9. Customer B makes their installment payments on time every month, so they only need to make installment payments of IDR 1,500,000 for 12 months.
3. Program 3 Flowchart (Illustration: Customer already has a Danamon account, is eligible for the Partner Financing Promotion, and is late with an installment payment)
   1. Customer C intends to purchase a Samsung S26 using Partner Financing at the BDI Surabaya Gubernur Suryo branch, worth IDR 15,000,000, on 30 July 2026
   2. Customer C already holds a Danamon Lebih PRO account and is willing to register for/link Danamon Direct Debit; therefore, the customer is eligible to apply for Partner financing under the Partner Financing Promotion.
   3. If Customer C meets the applicable financing analysis criteria at Partner (Partner’s credit underwriting), the Partner financing contract on the My Home Credit app will be approved and established under the applicable Partner Financing Promotion.
   4. Based on Partner’s analysis of Customer C’s profile, the interest rate on Customer C’s instalments is 0%.
   5. The administration fee for the Partner financing, payable by Customer C, is Rp300,000
   6. Customer C is then directed to set up a Danamon Direct Debit for the financing contract for the purchase of the Samsung S26 via the My Home Credit app.
   7. For these transactions, the customer is entitled to an Indomaret shopping voucher worth IDR 250,000.
   8. In August 2026, Customer A made the first installment payment of IDR 1,250,000 and will be charged a monthly fee of IDR 10,000 automatically each subsequent month via the previously linked Danamon Direct Debit, provided there are sufficient funds in the account.
   9. However, in the 10th month, the account balance was insufficient and the customer did not top up the balance by the due date. Customer C was late in making the installment payment and therefore had to pay an additional two months’ installments. Consequently, the customer is required to make installment payments of IDR 1,250,000 for 12 months.

1. Customers may lodge a complaint regarding banking products 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.

Customers cannot obtain financing from the Partner if they do not meet the requirements of the underwriting process carried out by the Partner.

1. These 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” and the “General Terms and Conditions for Danamon Online Payment Direct Debit 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 the Partner are not the products and/or services 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 the Partner’s products and/or services, the Customer may contact the Partner via WhatsApp or by calling the Partner’s helpline (021 2953 9600) or by email at care@homecredit.co.id.
3. Products and/or services provided by PT Indomarco Prismatama ("Indomaret") are not products and/or services of, nor are they the responsibility of, Bank Danamon. Therefore, such products and/or services are entirely the responsibility of the Merchant. In the event of any issues and/or complaints related to the Indomaret Voucher, Customers may contact Indomaret directly in accordance with Indomaret's applicable terms and conditions.
4. The Customer hereby agrees and acknowledges that the Bank 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 the Bank. In the event of any changes to the benefits, risks, costs, terms and conditions set out in the General Terms and Conditions of this Program, the Customer 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 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 the changes, they are entitled to cancel their participation in the Program, provided they have first settled all their obligations to the Bank (if any).
5. The Customer understands that for certain changes in accordance with the provisions of applicable laws and regulations, the notification period for such changes may be waived.
6. The Customer declares that the Customer is not currently, and will not engage in, any transactions indicative of 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, 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 cancel the provision of Program benefits to the Customer concerned. The Customer remains obliged to settle all outstanding obligations to the Bank (if any).
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 valid, binding and 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, the Customer is advised to report this immediately via Hello Danamon.
10. These General Terms and Conditions of this Program have been aligned with applicable laws and regulations, including the regulations of the Financial Services Authority.
11. The headings and terms used in these General Terms and Conditions of this Program are intended solely to facilitate understanding of the content of these General Terms and Conditions of this Program.
12. 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.
13. PT Home Credit Indonesia (HCI) is licensed and supervised by the Financial Services Authority

Customers 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 Program fall outside the Bank’s remit.