Telesales Channel Balance Top-Up Program

The program shall be conducted during the period from 1 to 31 October 2025 ("Program Period").

This program is applicable to individual customers who are registered with Bank Danamon (existing to bank) and who are invited and informed about this program through Bank Danamon Telesales ("Customers"). Not applicable to Sharia Customers and Sharia products.

1. Customers are required to read and understand the General Terms and Conditions of the program. 
   
2. Bank Danamon reserves the right to refuse or cancel a Customer's participation in this program if the Customer does not meet the General Terms and Conditions of this Program. 
   
3. Customers are to be responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this program.
   
4. To participate in this program, Customers must provide confirmation of their "Interest/Agreement" to participate in this program when contacted by Bank Danamon Telesales, then make an online deposit through the D-Bank PRO application with the amount agreed upon during contact with Bank Danamon Telesales, which must be done in the same month that the Customer provides confirmation.
   
5. Customers who have provided confirmation of "Interest/Agreement" must place a deposit online through the D-Bank PRO application to participate in the program in accordance with the scheme, deposit amount, deposit tenor, reward type (cashback/d-points), and penalties as follows:

   Minimum Online Deposit Placement	Tenor	Reward		Penalty
   		Cashback	D-Points
   IDR 25,000,000	6 Months	IDR 40,000	3,200	IDR 50,000
   IDR 50,000,000	6 Months	IDR 80,000	6,400	IDR 100,000
   IDR 100,000,000	6 Months	Rp100.000	8,000	IDR 125,000

   
   
6. Customers are only permitted to choose one scheme from the program.
   
7. The reward is not cumulative.
   
8. Only applicable for transactions using the Indonesian Rupiah currency.
   
9. All funds included in this program must be fresh funds, i.e 
   i. funds deposited in cash through a Bank Danamon branch office; or 
   ii. funds transferred to the Customer's account at Bank Danamon from a bank account other than an account at Bank Danamon. 
   iii. Funds included in the program are considered fresh funds if there is an increase in funds above the baseline
   iv. The fresh funds must be equal to or greater than the nominal amount deposited and placed in the account for participation in this program.
   
   The calculation of incremental fresh funds is as follows:
   

   Current month balance	: Savings balance + Current account balance + Deposit balance + Investment balance
   Baseline	: Savings Balance + Current Account + Deposit + Investment Balance 1 month prior to the placement month

10. Customers may cancel their participation and withdraw their deposits before maturity by visiting a Bank Danamon branch office and signing the program Cancellation Form. Upon cancellation of the program, the Customer will be charged a penalty fee in accordance with the amount stated in the Penalty Amount section of the Form and the General Terms and Conditions of this Program, as well as the penalty fee applicable for withdrawing deposits before maturity in accordance with the applicable product terms and conditions. The penalty fee will be paid by the Customer in a lump sum by Bank Danamon debiting the Customer's account at Bank Danamon. The Customer hereby authorises Bank Danamon to debit the Customer's account for the payment of penalties at the appropriate time.
    
11. The type of reward received by the Customer (cashback/d-points) is based on the Customer's confirmation when contacted by Bank Danamon Telesales. If the Customer does not confirm the type of reward received, the reward given will be in the form of cashback.
    
12. By being invited through Bank Danamon Telesales, the Customer agrees to participate in the program when contacted by Bank Danamon Telesales, and to place a deposit online through D-Bank PRO 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 to be bound by the General Terms and Conditions of this Program. By being contacted through Danamon Bank Telesales, agreeing to participate in the program when contacted by Danamon Bank Telesales, and placing a deposit online through D-Bank PRO 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.

1. Customers who meet the General Terms and Conditions of the program will receive a reward in the form of cashback/d-points according to the scheme chosen by the Customer. If the Customer does not meet the General Terms and Conditions of the program , the Customer will not receive a reward in the form of cashback/d-points.
2. The net reward amount has been deducted for tax, which is borne by Bank Danamon, provided that the Customer has a valid 16-digit NIK (National Identification Number) registered in the Bank Danamon system that has been matched with the taxation system. Proof of tax deduction on cashback/d-points can be obtained through a Bank Danamon branch office.
3. Cashback rewards will be transferred to the customer's savings account in Indonesian Rupiah (IDR).
4. If the selected reward type is D-Points, the reward will be credited to the customer's D-Points Savings Account.
5. Cashback will be credited no later than 45 (forty-five) working days from the last date of the month in which the customer made the deposit.
6. Customers understand and agree that cashback/D-Points rewards will be calculated as the amount of interest received by customers on their deposits. Therefore, if the amount of cashback/D-Points and interest earned by customers exceeds or is above the maximum guaranteed interest rate set by the Indonesia Deposit Insurance Corporation for deposits, the excess amount will not be guaranteed by the Indonesia Deposit Insurance Corporation. Customers may inquire about changes to the maximum guaranteed interest rate at any Danamon Bank branch or through Hello Danamon.

1. The Customer hereby authorises Bank Danamon to: (i) cancel the deposit placement in accordance with the General Terms and Conditions of the program ; and/or (ii) debit the Customer's account at Bank Danamon for the payment of penalties if the Customer cancels the program in accordance with the General Terms and Conditions of the program.
2. The power of attorney granted by the Customer in the General Terms and Conditions of this Program is granted to the Bank with the right of substitution and as long as the Customer's obligations to the Bank have not been fully fulfilled, such powers of attorney cannot be revoked or terminated for any reason, including but not limited to the reasons stated in Article 1813 (termination of authority: by the revocation of the authority by the principal; by notification of termination of authority by the principal; by the death, incapacity or bankruptcy of the principal or the agent), 1814 (the Principal may revoke the authority whenever he/she so desires, and if there are grounds for doing so, compel the attorney to return the power of attorney held by him) and 1816 (the appointment of a new attorney to carry out the same matter shall result in the revocation of the first power of attorney, effective from the date of notification to the latter of such appointment) The Civil Code and these powers are an integral part of the General Terms and Conditions of this Program.

1. Customers may submit complaints regarding banking products/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 procedures regarding the Customer Complaints service can be accessed via the website https://www.danamon.co.id/en/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. The General Terms and Conditions of this Program form an integral part of the "General Terms and Conditions for Accounts and Banking Services", "General Terms and Conditions for Fixed Deposits", and "General Terms and Conditions for 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. The Customer hereby agrees and acknowledges that Bank Danamon reserves the right to amend/change/supplement 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 a written objection to Bank Danamon within 30 (thirty) working days from the date of notification of such changes by Bank Danamon through Bank Danamon's communication media. The Customer agrees that the Customer is deemed to have agreed to the changes if the Customer does not submit an objection within that period. If the Customer does not agree to the changes, the Customer has the right to cancel their participation in the program by first settling all of the Customer's obligations to Bank Danamon (if any).
   
3. 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 applicable laws and regulations in Indonesia.
   
4. If there is a report of indications of fraud, cheating and/or transaction irregularities, Bank Danamon reserves the right to cancel the transaction, cancel participation in the program, and/or the awarding of rewards to the Customer concerned. The Customer remains obliged to settle all obligations to Bank Danamon (if any).
   
5. If any provision in the General Terms and Conditions of this Program is prohibited or cannot be implemented or becomes invalid or is declared null and void by a government or court ruling, this shall not affect the validity of other provisions in the General Terms and Conditions of this Program, and the other provisions shall remain valid and binding and can be implemented as stipulated in the General Terms and Conditions of this Program.
   
6. 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) and the provisions on guarantee interest based on the regulations of the Indonesia Deposit Insurance Corporation (LPS).
   
7. Bank Danamon is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a participant in the Indonesia Deposit Insurance Corporation (LPS).

Customers must be cautious of fraud committed by individuals acting on behalf of Bank Danamon by promising gifts of any kind. Any fraud or other criminal acts committed by other parties/third parties associated with or acting on behalf of the program are beyond the authority of Bank Danamon.