Program New FX D-Bank PRO

The Program Period is July 16, 2025 – June 30, 2026 (“Program Period”).

The program is intended for all customers with the following criteria:

1. New customers who are not yet registered with Bank Danamon (new to bank) do not yet have a foreign currency account / Danamon LEBIH PRO.
2. Customers who are already registered with Bank Danamon who do not yet have a foreign currency account/Danamon LEBIH PRO account.

hereinafter referred to as the "Customer".

1. Customers are required to read, understand and comprehend the characteristics, benefits, risks, costs and other provisions of the Program and agree to the General Provisions of the Program.
2. Bank Danamon has the right to reject or cancel the Customer's participation in this Program if the Customer does not fulfill the General Terms and Conditions of the Program.
3. The Customer is fully responsible for all risks of loss, demands, lawsuits and/or claims in connection with the Customer's participation and/or cancellation of participation in this Program.
4. To get a Cashback Prize, Customers are required to:
   1. Open a Danamon LEBIH PRO account through the D-Bank PRO channel during the Program Period; and
   2. Conduct a foreign exchange purchase transaction (FX Online) in the D-Bank PRO application within a maximum of 7 calendar days since the account was opened for a minimum amount of USD 500.- (five hundred US Dollars) or equivalent conducted during the Program Period (“Transaction”).
5. For Customers who open accounts and make transactions during the Program Period, Customers could receive Cashback prizes ("Prizes") with the following details:

   Program	Winner Quota	Monthly Quota	Program Period	Cashback Amount
   New FX D-Bank PRO Program	3,600 Customers during Program Period. Each CIF can only get 1 (one) cashback during the Program Period.	300 Customers*	HUT BDI (16 July – 16 August 2025)	IDR 69,000
   		250 Customers*	Regular (17 August 2025 – 30 June 2026: except Year End Period)	IDR 50,000
   		200 Customers*	Year End (1 – 31 December 2025)	IDR 100,000

   *) Special quota distribution:
   • July 2025 = HUT BDI quota 150 (16-31 July 2025)
   • August 2025 = HUT BDI quota 150 (1-16 August 2025) & reguler quota 250 (17-31 August 2025)
6. Prize provisions from foreign exchange (FX) purchase transactions are not cumulative from several transactions. Prizes will only be given if the nominal transaction meets the requirements in one transaction and there is still a quota.
7. The number of Customers who are entitled to receive a Prize is 3,000 (three thousand) first Customers who make a Transaction during the Program Period ("Program Quota").
8. If the there is no Program Quota left, the Customer will not receive a Prize even though they have made a Transaction. 
9. Each 1 (one) Customer is only entitled to 1 (one) Prize during the Program Period.
10. If the Customer makes a Transaction that meets the Terms and Conditions of this Program and meets the terms and conditions of other programs, the Customer will only receive the largest prize or benefit, not cumulative.
11. By the Customer making a Transaction in accordance with the General Terms and Conditions of the Program, the Customer is deemed to have read, understood and agreed to participate in the Program and be subject to the Terms and Conditions of this Program. The Transaction is valid evidence of the Customer's participation in the Program and the Customer's agreement to be subject to the General Terms and Conditions of the Program.

1. Prizes will be credited to the active Danamon LEBIH PRO Customer's Rupiah currency account.
2. Prizes will be credited a maximum of 45 (forty five) working days after the end of the transaction month.
3. In the event that the Customer's account is inactive, blocked or in other conditions that prevent the crediting of the Prize, the Customer hereby acknowledges and agrees that the Customer will not receive the Prize.
4. Customer participation in this program is free of charge.
5. Customers are fully responsible for tax obligations (if any) for Cashback received in accordance with the tax provisions in force in Indonesia from time to time.

New FX D-Bank PRO Program Simulation:

1. Simulation 1 (Ideal condition customers get cashback in HUT Danamon period)
   • On July 16, 2025, the Customer opened a Danamon LEBIH PRO account via the D-Bank PRO application.
   • On July 18, 2025, the Customer made a foreign exchange (FX) purchase transaction of USD 500.00 (five hundred United States Dollars) or equivalent through the D-Bank PRO application.
   • Customers will receive a prize of Rp69,000.00 (sixty-nine thousand rupiah).   
2. Simulation 2 (Ideal condition customers get cashback in Regular period)
   • On September 15, 2025, the Customer opened a Danamon LEBIH PRO account via the D-Bank PRO application.
   • On September 18, 2025, the Customer made a foreign exchange (FX) purchase transaction of USD 500.00 (five hundred United States Dollars). or equivalent through the D-Bank PRO application.
   • Customers will receive a prize of Rp50,000.00 (fifty thousand rupiah).  
3. Simulation 3 (Ideal condition customers get cashback in Year-End period)
   • On December 10, 2025, the Customer opened a Danamon LEBIH PRO account via the D-Bank PRO application.
   • On December 12, 2025, the Customer made a foreign exchange (FX) purchase transaction of USD 500.00 (five hundred United States Dollars). or equivalent through the D-Bank PRO application.
   • Customers will receive a prize of Rp100,000.00 (one hundred thousand rupiah).  
4. Simulation 4 (Conditions for Customers to open an account and customers to make FX transactions more than 7 days since opening the account)
   • On July 16, 2025, the Customer opened a Danamon LEBIH PRO account via the D-Bank PRO application.
   • On July 28, 2025, a new customer carried out a foreign exchange (FX) purchase transaction of USD 500.00 (five hundred United States Dollars) or the equivalent via the D-Bank PRO application.
   • Customers are not entitled to receive a Prize of IDR69,000.00 (sixty-nine thousand rupiah), this is because the Customer has made FX transactions more than 7 calendar days since the account was opened.
5. Simulation 5 (Customer conditions: open an account but do not make any FX transactions for up to 7 days)
   • On August 5, 2025, the Customer opened a Danamon LEBIH PRO account via the D-Bank PRO application.
   • Until August 12, 2025, there will be no foreign exchange (FX) purchase transactions made by Customers via the D-Bank PRO application.
   • Customers are not entitled to receive a Prize of IDR 69,000.00 (sixty-nine thousand rupiah), this is because the customer did not make a foreign exchange (FX) purchase transaction until August 12, 2025. 
6. Simulation 6 (Customer conditions: open an account and make FX transactions within 7 days but below USD 500.-)
   • On September 5, 2025, the Customer opened a Danamon LEBIH PRO account via the D-Bank PRO application.
   • On September 8, 2025, the Customer made a foreign exchange (FX) purchase transaction in the amount of USD 450.- (four hundred and fifty United States Dollars) or equivalent via the D-Bank PRO application.
   • Customers are not entitled to receive the Prize of IDR 50,000.00 (fifty thousand rupiah) because the Customer made a foreign exchange (FX) purchase transaction of less than USD 500.-, (five hundred United States Dollars).
7. Simulation 7 (Customer conditions: open an account before the program period and make FX transactions during the program period)
   • On July 14, 2025 (before program period started) the Customer opened a Danamon LEBIH PRO account via the D-Bank PRO application.
   • On July 17, 2025, the Customer made a transaction of USD 500.00 (five hundred United States Dollars) or equivalent via the D-Bank PRO application.
   • Customers are not entitled to receive the Prize because the account was opened before the program period.

1. Customers can submit complaints about banking products/services 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 which is available 24/7.
2. Procedures regarding customer complaint services can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. General Terms and Conditions of this Program are an inseparable part of the "General Terms and Conditions of Bank Danamon Accounts and Banking Services", "General Terms and Conditions of Foreign Currency Purchase and Sale Transactions Through D-Bank PRO", and "General Terms and Conditions of D-Bank PRO". In the event of any differences or conflicts between these provisions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall apply.
2. The Customer hereby agrees and acknowledges that Bank Danamon has the right to improve/change/complete the General Terms and Conditions of this Program from time to time. Any changes/additions/updates to the General Terms and Conditions of this Program will be notified through the communication media available at Bank Danamon. In the event of changes to the benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Customer has the right to submit an objection in writing to Bank Danamon within 30 (thirty) working days from the notification of the change made by Bank Danamon through Bank Danamon's communication media. The Customer agrees that the Customer is deemed to have agreed to the change if the Customer does not submit an objection within the said period. If the Customer does not agree to the change, the Customer has the right to cancel the Program participation by first completing all of the Customer's obligations to Bank Danamon (if any).
3. The Customer declares that there are no and will not be any transactions that are suspected of being money laundering crimes and/or other transactions that are not permitted based on the laws and regulations in force in Indonesia.
4. If there is a report of indications of fraud, cheating and/or transaction irregularities, then Bank Danamon has the right to cancel the transaction, cancel participation in the Program, or provide Program prizes to the Customer concerned. The Customer remains obliged to pay off all of his/her obligations to Bank Danamon (if any).
5. General Terms and Conditions This program has been adjusted to the provisions of laws and regulations, including the provisions of the Financial Services Authority regulations.
6. Bank Danamon is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the Deposit Insurance Agency guarantee (Lembaga Penjamin Simpanan).
7. General Terms and Conditions This program is made in two languages (Indonesian and English). In the event of any difference in meaning or interpretation between the two, the Indonesian version will apply.

Customers must be careful of fraud committed by individuals who claim to be Bank Danamon by promising prizes in any form. Any fraud or other criminal acts committed by other/third parties that are associated with or in the name of the Program are beyond the authority of Bank Danamon.