Program Kredit Pemilikan Mobil (KPM) Prima – Event Test Drive

The program will be held in several cities with details of the period (“Program Period”) and location (“Event”) attached:

1. KPM Prima's special interest rate starting at 2.49% per annum is a flat and fixed rate for the duration of the financing period.
2. Conventional and sharia schemes are available.
3. Free admin fee with payment via Danamon Autodebit.
4. Comprehensive insurance includes:
• Vehicle Insurance
• Personal Accident Insurance (PA)
• Extended Insurance (Natural Disasters, Civil Unrest and Third-Party Risks) – Optional

The criteria for customers who can apply for the KPM Prima financing product are as follows:

1. Danamon Bank customers who have an active savings account (not dormant).
2. Customers must be Indonesian citizens.
3. Customers are required to use the autodebit facility from their Danamon Bank account as the method of payment for instalments. The autodebit registration process can be done at the nearest Danamon or Adira branch.
4. The customer's occupation is employee, professional or entrepreneur.
5. Length of employment:
   • Employees must have worked for at least 1 (one) year at the same company.
   • Professionals must have worked for at least 2 (two) years.
   • Entrepreneurs must have worked for at least 2 (two) years.
6. Minimum age is 21 (twenty-one) years old or married.
7. The maximum age at the end of the tenor is 55 (fifty-five) years old.
8. Passed the Financial Information Service System (SLIK) check by the Financial Services Authority and not listed on the Bank Indonesia Blacklist.
9. For the application mechanism and document requirements for KPM Prima credit facilities, please refer to the terms and conditions for granting credit facilities applicable at Adira Finance. Adira Finance's terms and conditions can be accessed at https://www.adira.co.id/produk/metalink/kredit-mobil
10. The application process, including the analysis of the KPM Prima product, is the sole responsibility of Adira Finance, and Bank Danamon is not liable for Adira Finance's decision regarding the KPM Prima credit application submitted by the Customer.

Information regarding interest rates, financing terms, down payment percentages, administrative fees, provisions, and vehicle insurance is as follows:

KPM Prima - New Car Passenger

*Margin: for Sharia. Example explanation: interest with a financing period of 1 year is 2.49% flat per annum and fixed during the financing period.

Information about KPM Prima's payment channel admin fees is as follows:

1. Customers must 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 does not comply with the General Terms and Conditions of this Program.
3. Customers are solely responsible for all risks of loss, claims, lawsuits, and/or demands arising from their participation in and/or cancellation of their participation in this Program.
4. By submitting a KPM Prima application during the Event, the Customer is deemed to have read, understood and agreed to participate in the Program and to comply with the General Terms and Conditions of this Program. The submission of the KPM Prima application is valid proof of the Customer's participation in the Program and the Customer's agreement to comply with the General Terms and Conditions of this Program.

1. The program is valid for customers who have confirmed their attendance with their Bank Danamon Relationship Manager and attend the event during the program period.
2. Customers who have met the General Terms and Conditions of the Program and have applied for KPM Prima facilities are entitled to receive F&B vouchers that can be used at the event location, with the following details:

   Location & Date	Gift	Quota
   Singkawang, 19 September 2025	FnB Voucher IDR 200,000	The first 50 customers

3. The gift will be given when the customer comes to the Event Location during the Program Period in accordance with the customer's confirmed attendance date, as long as the quota is available.
4. Customers are not entitled to vouchers if the quota has been run out or if they do not attend the Event.

1. This program is valid for customers who apply for KPM Prima by filling out and signing the vehicle order form and KPM Prima application form during the event.
2. Customers who have met the General Terms and Conditions of the Program and have applied for KPM Prima facilities are entitled to receive Shopping Vouchers with the following conditions:

   Location	Gift	Quota
   Singkawang, 19 September 2025	Indomaret Shopping Voucher IDR 500,000	The first 5 customers

3. The voucher prize will be given to customers who apply for KPM Prima at the Event Location and whose application has been approved by Adira Finance in accordance with the quota specified above. The prize will be given immediately upon approval of the application by Adira Finance.

1. Customers can submit complaints regarding banking transactions/services either verbally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
2. The procedure for Customer Complaints can be accessed via the page https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah

1. The credit products marketed by Adira Finance are KPM Prima products from Adira Finance, which are marketed through a partnership with Bank Danamon and are not Bank Danamon products. All responsibility and risk associated with these credit products are solely the responsibility of Adira Finance. Therefore, any issues or complaints regarding the products and/or services should be directed to Adira Finance. The use of Bank Danamon's logo or attributes is solely intended to indicate the collaboration between Adira Finance and Bank Danamon.
2. The General Terms and Conditions of this Program are an integral part of the ‘General Terms and Conditions of Banking Accounts and Services’/‘General Terms and Conditions of Sharia Banking Accounts and Services’ and ‘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.
3. The Customer hereby acknowledges that the Bank reserves the right to amend/change/supplement the benefits, risks, fees and/or terms and conditions in the General Terms and Conditions in accordance with the provisions of the applicable laws and regulations.
4. The Bank will notify and confirm any additions to obligations, reductions in benefits and/or rights (“Changes”) to the Customer no later than 30 (thirty) Business Days before the Changes take effect (“Change Notification Period”) through the Bank's branches and/or other media in accordance with applicable laws and regulations.
5. The Customer understands that for certain Changes in accordance with the provisions of applicable laws and regulations, the Change Notification Period may be exempted.
6. If the Customer does not agree to the Changes, the Customer may submit their objections to the Bank within the Change Notification Period. The Customer has the right to terminate the Card membership by first settling all of the Customer's obligations to the Bank (if any).
7. The Customer agrees that the Bank will consider the Customer to have agreed to the Changes if the Customer does not submit any objections within the Change Notification Period.
8. The Customer declares that there are no and will be no transactions that indicate money laundering and/or other transactions that are not permitted under the laws and regulations applicable in Indonesia.
9. For every late payment of instalments that exceeds the due date, the Customer will be charged a penalty in accordance with the applicable fees at Adira Finance.
10. If there are indications of fraud, misconduct, transaction irregularities, unusual transactions, money laundering, and/or actions that are not in accordance with the laws and regulations, Bank Danamon reserves the right to cancel the transaction, cancel the Customer's participation in the Program, and/or revoke any prizes awarded to the Customer concerned. The Customer remains obligated to settle all outstanding obligations to Bank Danamon (if any).
11. If any provision in the General Terms and Conditions of this Program is prohibited or cannot be enforced or becomes invalid or void by virtue of a government or court decision, this shall not affect the validity of the other provisions in the General Terms and Conditions of this Program, and the other provisions shall remain valid and binding and enforceable as stipulated in the General Terms and Conditions of this Program.
12. The General Terms and Conditions of this Program have been adjusted to comply with the provisions of laws and regulations, including the provisions of the Financial Services Authority (OJK).
13. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia and is a participant in the Deposit Insurance Agency (LPS).