Special Offer to Get a Luxurious Japanese-Style Residence

The Program will run from October 1, 2025, to November 30, 2025 ("Program Period").

Customers who purchase a unit at Summarecon Mutiara Makassar – Cluster The Morizen using Danamon KPA during the program period

1. Summarecon Mutiara Makassar Developer Promotion Terms and Conditions
   No credit fees (provision, administration, life insurance & fire insurance) up to a maximum of 2.5% of the credit limit during the program period
2. Suku Bunga Khusus

   Description	Bank Danamon Interest Rate	Tenor Provision (Credit Terms)
   Fix and Floating	3.88 % Fixed for 3 Years	10 Years Minimum
   Fix and Floating	5.08 % Fixed for 5 Years	15 Years Minimum
   Special Fix and Fix	Year 1 – 3 : 5.25% Year 4 – 6 : 8.25% Year 7 – Finished : 11.25%	Pilihan Tenor : 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years

   Note:
   □ Interest rates are not binding and are subject to change at any time.
   □ The tenor follows the applicable interest rate provisions. Currently, the maximum tenor is 30 years for the first credit facility with a house as collateral.
3. Get interest rates as low as IDR 0 with Danamon Lebih mortgage loans during the fixed period. More detailed information about Danamon Lebih mortgage loans can be found at https://www.danamon.co.id/id/Personal/Pinjaman/KPR/KPR-Danamon-Lebih
4. Installment Simulation
   Summarecon Mutiara Makassar – Morizen Cluster currently offers residences starting from IDR 3,300,000,000. With the price offered, if you use Danamon mortgage financing, the instalment simulation is as follows:

   INSTALLMENT SIMULATION
   Property Value : IDR 3,300,000,000 10% Down Payment : IDR 330,000,000 Mortgage Ceiling : IDR 2,970,000,000 Interest Rate : 3.88% Fixed for 3 Years Tenor : 25 Years Installment : IDR 15,480,000 (for the first 3 years), in the 37th month the instalment will change according to the calculation with a floating interest rate.

   Notes :
   This simulation is merely an illustration/estimate and does not represent actual values.

1. If the credit cost exceeds 2.5% of the credit ceiling, the difference must be covered by the program participant.
2. Other provisions related to costs incurred during the mortgage application process shall follow the applicable regulations.
3. Program Participants are required to read and understand the General Terms and Conditions of the Program.
4. The Bank reserves the right to reject or cancel a participant’s enrollment in the Program if they do not meet the General Terms and Conditions.
5. Program Participants assume full responsibility for any risks, losses, claims, lawsuits, and/or demands arising from their participation or cancellation in this Program.

1. Program Participants may submit complaints regarding banking products or services either verbally or in writing through the nearest Bank branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
2. The complaint handling procedure can be accessed at the https://www.danamon.co.id/en/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. These General Terms and Conditions are an integral part of the General Terms and Conditions of PT Bank Danamon Indonesia Tbk's General Account and Banking Services.
2. The products, services, and/or benefits provided by the Partner are solely the responsibility of the Partner and are not associated with the Bank. For any issues or complaints regarding these products, services, or benefits, please contact the relevant Partner directly.
3. Program Participants agree and acknowledge that the Bank reserves the right to amend, modify, or supplement these General Terms and Conditions at any time. Any changes, additions, or updates will be communicated through the Bank’s available communication channels. If any modifications affect the benefits, risks, costs, terms, or conditions outlined in these General Terms and Conditions, Program Participants have the right to submit written objections to Bank Danamon within 30 (thirty) working days from the date of notification. If no objection is raised within this period, the Program Participant is deemed to have accepted the changes. If a Program Participant does not agree with the modifications, they may withdraw from the Program, provided they first fulfill all outstanding obligations to the Bank (if any).
4. The Program Participant declares that they are not, and will not be, involved in any transactions indicative of money laundering or any other activities prohibited under Indonesia’s applicable laws and regulations.
5. If there are indications of fraud, misuse, irregular transactions, abnormal transactions, money laundering, or any actions that violate laws and regulations, the Bank reserves the right to cancel transactions, terminate the use of Bank products/services, revoke Program participation, or withdraw any benefits received under the Program. Program Participants remain responsible for fulfilling any outstanding obligations to the Bank (if applicable).
6. If any irregularities or suspected fraud related to this Program are discovered, Program Participants are encouraged to immediately report them to Hello Danamon.
7. These General Terms and Conditions comply with applicable laws and regulations, including those set by the Financial Services Authority.
8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participating member of the Deposit Insurance Corporation.

Program Participants should remain vigilant against fraud by individuals falsely claiming to represent the Bank and offering prizes in any form. The Bank is not responsible for any fraud or criminal activities conducted by third parties under the guise of this Program.