Program Danamon Hadiah Beruntun

The Program is valid from 15 October 2025 to 31 May 2026 ("Program Period").

Participants eligible to join the Program are all individual customers/natural persons who are savings account holders at Bank Danamon ("Customers"). Not applicable to Bank Danamon employees.

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. In the event that the Customer has a Joint OR or Joint AND Joint Account, all balances and transactions made through the account will be considered as belonging to/for the Customer listed as the first name on the account. Balances in Joint OR or Joint AND Joint Accounts will not be counted for Customers listed as the second or third name on the account.
5. This Program consists of the following scheme:
   1. Savings Lucky Draw
      1. Customers can participate in the Savings Lucky Draw with 2 (two) options for the Savings Draw schedule as follows:

         Savings Draw Period	Baseline Date (start date for balance calculation)	Average Balance Calculation Period	Savings Draw Date*)
         First Savings Draw	30 September 2025	1 October 2025 – 31 January 2026	February 2026
         Second Savings Draw	31 January 2026	1 February 2026 – 31 May 2026	June 2026

         *) The date of the Savings Draw will be announced by Bank Danamon through Bank Danamon's official communication channels in accordance with applicable laws and regulations.
      2. To participate in the Savings Lucky Draw during the First Savings Draw Period and/or Second Savings Draw Period as stated in point III.5.i.a above, Customers must conduct a Monthly Average Balance Increase or Fund Blocking transaction with the following conditions:
         1. Monthly Average Balance Increase
            1. Customers must increase the average monthly balance of all savings accounts held at Bank Danamon by a minimum of IDR 25,000,000.00 (twenty-five million rupiah).
            2. The average balance as per point 1 (one) is calculated during the Average Balance Calculation Period for each Savings Draw Period (from 1 October 2025 to 31 January 2026 for the First Savings Draw Period, and from 1 February 2026 to 31 May 2026 for the Second Savings Draw Period).
            3. The monthly average balance during each of these periods will be compared to the total balance in all of the Customer's savings accounts on the Baseline Date.
            4. If the Customer has a Joint OR or Joint AND Joint Account, the average balance calculated from the Joint Account will only be calculated as belonging to/for the Customer listed as the first name on the account.
            5. Savings and current account products with foreign currency balances will be converted into Indonesian Rupiah at the daily exchange rate applicable at Bank Danamon.
            6. Current accounts that use the Current Account Loan (PRK) facility are not included in the calculation of the monthly average balance.
            7. If there is a blocked (held) balance or funds in savings and/or current accounts, such balances or funds will not be included in the calculation of the monthly average balance.
            8. The average balance calculation is divided by the number of calendar days in the relevant month.
            9. If the Customer has a savings account and a current account, the average balance of all current accounts must not decrease compared to the average balance on the Baseline Date.
            10. For every incremental in the average savings balance of IDR 25,000,000 (twenty-five million rupiah), the Customer will receive 25 (twenty-five) Savings Lucky Draw Points, which are valid in multiples.
            11. If the Customer has a Danamon LEBIH PRO Savings Account, the Customer will receive additional Savings Draw Points if there is an increase in the average balance of the Danamon LEBIH PRO Savings Account (total balance of all currencies) with the following conditions:

                Customer Type	Increment in Danamon LEBIH PRO Savings Account Average Balance	Savings Draw Points
                Privilege Customer	Equivalent to IDR 100,000,000.00 (one hundred million rupiah)	60 (sixty)
                Non-Privilege Customers		30 (thirty)

         2. Hold Scheme
            1. This offer is only valid for customers who do not yet have an account and/or services with Bank Danamon ("New Customers") or customers who meet certain criteria and are selected and invited by Bank Danamon, who will be notified by email and/or through Bank Danamon staff ("Invited Customers");
            2. New Customers or Invited Customers are required to hold balance in their Bank Danamon savings account by completing and signing the Fund Blocking Form for the Danamon Hadiah Beruntun Savings Scheme (“Fund Blocking Form”). For New Customers specifically, the blocking must be done no later than 30 (thirty) working days from the date of account opening.
            3. For New Customers specifically, the following terms and conditions apply for fund placement and hold balance:

               Hold Balance Tenor	Hold Amount
               5 (five) months	Minimum IDR 25 million

            4. For Invited Customers, the following terms and conditions apply for fund placement & hold balance:

               Period	Invited Customer Criteria	Fund Blocking Tenor	Minimum Fund Blocking Amount
               First savings lucky draw	Customers who have increased their average savings balance to a minimum of IDR 1 billion while participating in the Danamon Hadiah Beruntun 2025 Program - Second Savings Lucky Draw for the period June 2025 – October 2025 and have not yet won any draw prizes.	5 (five) months	IDR 1 Billion
               	Customers who have participated in the Danamon New to Privilege Bank Program and whose term expires between 1 October 2025 and 31 January 2026.	5 (five) months	IDR 500 million
               Second savings lucky draw	Customers who have increased their average monthly balance (minimum increase of IDR 1 billion) during the period from October 2025 to May 2026, and have not received a prize in the First Savings Draw program.	5 (five) months	IDR 1 billion
               	Customers who have participated in the New to Privilege Bank Danamon Program and whose term expires between 1 February 2026 and 31 May 2026	5 (five) months	IDR 500 million

            5. For every IDR 25,000,000 (twenty-five million rupiah) of hold amount, the customer will receive 25 (twenty-five) Lucky Draw Points, applicable in multiples.
            6. The customer hereby acknowledges and agrees that the customer is not allowed to request the release of the hold amount before maturity date.
      3. Customers who have fulfilled the requirements for the Average Monthly Balance Increase and Fund Blocking transactions as stated in point b above can earn additional Savings Raffle Points under the following conditions:
         1. If a customer opens a BISA Umrah iB Savings Account or Hajj Plan iB Savings Account during the Program Period, the customer will receive 10 (ten) Savings Draw Points per successfully opened account.
         2. If the customer makes a transaction using a Danamon Debit/ATM Card at an offline merchant for a minimum of IDR 2,000,000.00 (two million rupiah), the customer will receive 1 (one) Savings Raffle Point, with multiples of the transaction amount applying.
      4. The Savings Draw will be conducted at each regional office (region) of Bank Danamon as follows:

         Region	Regional Coverage
         BN 01	Jakarta 1
         BN 02	Jakarta 2
         BN 03	Jakarta 3
         BN 05	West Java except Bekasi and Karawang
         BN 06	Central Java and DI Yogyakarta
         BN 07	East Java
         BN 08	Bali and Nusa Tenggara
         BN 09	North Sumatra (Aceh, Medan, and Batam)
         BN 10	Lampung, South Sumatra, Riau Islands, Jambi, West Sumatra, Bengkulu, and Bangka Belitung
         BN 11	Kalimantan
         BN 12	Sulawesi and Eastern Indonesia

      5. The Savings Draw will be conducted three times in each period and in each region, in accordance with the applicable prize tiers, namely Tier 1, Tier 2, and Tier 3 based on the following table ("Savings Draw Prize Tiering"):

         Savings Draw Tier	Min. Average Balance Incremental or Hold Amount	Prize	Number of Units Per Region Per Savings Draw Period	Total Units Per Savings Draw Period
         Tier 1	IDR 1,000,000,000.00	Mitsubishi Destinator GLS	2	22
         Tier 2	IDR 500,000,000.00	iPad Air 11”	15	165
         Tier 3	IDR 25,000,000.00	Savings Balance Danamon LEBIH PRO / Danamon LEBIH PRO iB USD equivalent to $250	20	220

      6. Customers who meet the criteria for each tier will be included in the Savings Draw according to the region where the customer's account is registered.
      7. If a customer meets the requirements for the previous Savings Draw Tier and is not selected as a winner when the Savings Draw Tier is held, then the customer will be included in the next Savings Draw Tier.
      8. If a customer meets the requirements for the previous Savings Draw Tier and is not selected as a winner when the Savings Draw Tier is held, then the customer will be included in the next Savings Draw Tier.
      9. In the event that a customer who meets the requirements for the Tier 1 Savings Draw or Tier 2 Savings Draw is not selected as a winner in each tier, the customer will receive a cashback with the following terms and conditions:

         Savings Draw Tier	Cashback Prize Amount
         Tier 1	IDR 3,000,000.00
         Tier 2	IDR 1,500,000

      10. Savings Draw Points will be forfeited or cancelled in the calculation if the balance or average savings balance in the last month of the Average Balance Calculation Period is zero or if the account is closed.
      11. The decision of the Savings Draw results from Bank Danamon is final and cannot be contested.
   2. Special Deals Transaction Scheme
      1. To participate in the Special Deals Transaction Scheme, Customers must maintain a minimum monthly average savings account balance of IDR 1,000,000 (one million rupiah), calculated from the accumulation of all savings accounts held by the Customer at Bank Danamon, and collect a minimum of 30 (thirty) Transaction Points.
      2. To earn Transaction Points, Customers must conduct transactions at D-Bank PRO under the following conditions:

         No	Transaction Type	Minimum Transaction	Transaction Points	Transaction Point Terms and Conditions
         1.	Foreign Exchange Transactions	IDR 5,000,000.00 (five million rupiah)	10 Points (per transaction)	Not applicable for multiples
         2	Mutual Fund Transactions
         3.	Bond Transactions
         4.	Online Deposit Transactions
         5.	My Own Instalment Transactions	IDR 20,000.00 (twenty thousand rupiah)	1 Point (per transaction)	Not applicable for multiples
         6	Money Transfer Transactions
         7.	Postpaid Mobile Phone Payments
         8.	PLN Bill Payments
         9	Danamon Credit Card Payment
         10	Other Bank Credit Card Payments
         11	VA Payment
         12	Telkom/Indihome Payments
         13	Payment for TV/Internet Subscription
         14	Insurance Premium Payment
         15.	Loan/Multifinance Payments
         16.	Zakat/Infaq Payment
         17	Education Payment
         18	Water/PDAM Bill Payment
         19.	Property Tax Payment
         20	Purchase of PLN Tokens
         21	Streaming Voucher Purchase
         22.	Purchase of Game Vouchers
         23.	QRIS (credit card or savings account funding source)
         24.	Top Up e-Wallet (Gopay, OVO, DANA, ShopeePay, LinkAja)
         25.	Top Up Mandiri e-Money
         26.	Top Up Mobile Credit
         27.	Purchase of Internet Data Packages
         28.	Cash Withdrawal Without Card (Danamon ATM, Non-Danamon ATM, and Indomaret)
         29.	Request for Payment Transactions

      3. For customers who have and use a Joint Account for transactions, the balance and transactions on the Joint Account will only be calculated for the customer listed as the first name on the account.
      4. The Special Deals Transaction scheme consists of 8 (eight) implementation periods. Transaction Points earned by customers are cumulative during each Point Collection Period under the Special Deals Transaction scheme and can only be used to redeem rewards on the Special Deals Date corresponding to the point collection period, subject to the following conditions:

         Transaction Point Collection Period	Special Deals Dates
         Special Deals Transaksi 1: 15 October – 15 November 2025	1 December 2025
         Special Deals Transaksi 2: 16 November – 15 December 2025	15 January 2026
         Special Deals Transaksi 3: 16 December – 15 January 2026	16 February 2026
         Special Deals Transaksi 4: 16 January – 15 February 2026	16 March 2026
         Special Deals Transaksi 5: 16 February – 15 March 2026	16 April 2026
         Special Deals Transaksi 6: 16 March – 15 April 2026	18 May 2026
         Special Deals Transaksi 7: 16 April – 15 May 2026	10 June 2026
         Special Deals Transaksi 8: 16 May – 31 May 2026	17 June 2026

      5. The Bank will provide information on the number of Transaction Points successfully earned by Customers during 1 (one) Transaction Point Collection Period via the Customer's telephone number (WhatsApp) and/or email registered in the Bank Danamon system, on the last date of each Transaction Point Collection Period. Additionally, customers can actively obtain information regarding the number of Transaction Points by contacting Hello Danamon customer service at 1-500-090 or through other communication channels provided by Bank Danamon.
      6. Transaction Points collected by customers can be used to redeem rewards online through the official Dinomarket website: www.dinomarket.com/DanamonRewards, with available reward options subject to the following terms and quotas:

         No		Special Deals Date	Reward	Reward Quota	Minimum Points
         1	1 December 2025		Rimowa Luggage	2	100
         2			iPhone 17 PRO Max	2	100
         3			Traveloka voucher worth 2.5 million	25	60
         4			MyPertamina Digital Voucher	50	30
         5			Owala/Hydroflask/Corkcircle Tumblr	100	30
         6			MAP Voucher @ 250,000 IDR	400	30
         7	15 January 2026		Dyson V15 Detect Vacuum	3	100
         8			Dyson Air Purifier TP09	3	90
         9			MAP voucher worth 1 million	100	30
         10			MAP Voucher @ 500 thousand	250	30
         11			MAP Voucher @ 250,000 IDR	400	30
         12	16 February 2026		Smeg Kettle	10	30
         13			Smeg Mixer	3	90
         14			Smeg Toaster	5	60
         15			Nutribullet Blender Combo	15	60
         16			MyPertamina Digital Voucher s @ 1 million	100	30
         17			MAP Voucher @ 500 thousand	200	30
         18			MAP Voucher @ 250,000 IDR	400	30
         19	16 March 2025		MacBook Air	2	100
         20			iPad	5	90
         21			Apple AirPods	15	60
         22			MAP Voucher @ 1 million	50	30
         23			MAP Voucher @ 500 thousand	100	30
         24			MAP Voucher @ 250,000 IDR	400	30
         25	16 April 2026		Rimowa Luggage	2	100
         26			iPhone 17 PRO Max	2	100
         27			Traveloka voucher @ 2.5 million	25	60
         28			MyPertamina Digital Voucher	50	30
         29			Owala/Hydroflask Tumblr	100	30
         30			MAP Voucher @ 250,000 IDR	400	30
         31	18 May 2026		Dyson V15 Detect Vacuum	3	100
         32			Dyson Air Purifier TP09	3	90
         33			MAP voucher @ 1 million	100	30
         34			MAP voucher worth IDR 500,000	250	30
         35			MAP Voucher @ 250,000 IDR	400	30
         36	10 June 2026		Smeg Kettle	10	30
         37			Smeg Mixer	3	90
         38			Smeg Toaster	5	60
         39			Nutribullet Blender Combo	15	60
         40			MyPertamina Digital Voucher @ 1 million	100	30
         41			MAP Voucher @ 500 thousand	200	30
         42			MAP Voucher @ 250,000 IDR	400	30
         43	17 June 2026		MacBook Air	2	100
         44			iPad	5	90
         45			Apple AirPods	15	60
         46			JBL Portable Bluetooth Speaker Go 2	20	30
         47			MAP Voucher @ 1 million	30	30
         48			MAP Voucher @ 500 thousand	100	30
         49			MAP Voucher @ 250,000 IDR	400	30

      7. 1 (one) Customer may only redeem one prize per Special Deals Date. v
   3. Grand Prize Lucky Draw
      1. Customers who have participated in the Savings Lucky Draw and/or Special Deals Transaction Scheme (minimum 1 Transaction Point) are eligible to participate in the Grand Prize Draw.
      2. The Grand Prize Draw will be conducted 3 (three) times in accordance with the applicable prize tiers, namely Tier 1, Tier 2, and Tier 3 based on the following table:

         Grand Prize Draw Tier	Grand Prize Draw Prize	Number of Units
         Tier 1*)	BMW iX1 EV	1
         Tier 2	MacBook Air 13-inch	20
         Tier 3	Danamon LEBIH PRO / Danamon LEBIH PRO iB in USD with a balance of $100	150

         *) Customers who do not participate in the Savings Lucky Draw and only participate in the Special Deals Transaction Scheme must have at least 500 (five hundred) Transaction Points as a requirement to be eligible for the Tier 1 Grand Prize Draw.
      3. The Grand Prize Draw will be held no later than 30 (thirty) calendar days after the end of the Program Period. Bank Danamon will notify Customers of the date and location of the Grand Prize Draw, no later than 14 (fourteen) working days after the end of the program period.
      4. The results of the Grand Prize Draw are final and cannot be contested.
6. The prize draw process to determine the Customers who will receive prizes (both Savings Draw and Grand Prize Draw) will be conducted openly through the means determined by Bank Danamon in accordance with applicable laws and regulations.
7. If there is a discrepancy between the data held by the Customer and the data held by Bank Danamon in relation to the Program, the data held by Bank Danamon shall be deemed correct, unless the Customer can prove otherwise.
8. In implementing the Program, Bank Danamon does not charge any fees to Customers participating in the Program, except for fees that are the representative of the winning Customer, including but not limited to document processing and other relevant fees in accordance with applicable laws and regulations.

1. Customers have the opportunity to win prizes in each Program Scheme (Savings Draw Scheme, Special Deals Transaction Scheme, and Grand Reward Draw Scheme).
2. The prize award terms for the Savings Draw Scheme are as follows:
   1. Customers who win prizes in the Savings Draw Scheme will be contacted by Bank Danamon via the telephone number and/or email registered with Bank Danamon within a maximum of 10 (ten) working days after the date of the Savings Draw.
   2. Savings Draw prizes will be awarded at Bank Danamon branches.
   3. Customers are required to collect their prizes at a Bank Danamon branch office within a maximum of 60 (sixty) working days for gadget prizes, or 90 (ninety) working days for vehicle prizes, from the date the Customer is notified as the winner of the Savings Draw and fulfils the documents required by Bank Danamon in relation to the awarding of prizes. If the prize is not collected within a maximum period of 90 calendar days from the end of the Program Period, the winning customer shall not be entitled to or able to make any claims or demands to Bank Danamon regarding the prize that was not collected by the winner.
   4. For Savings Lucky Draw prizes in the of Danamon LEBIH PRO/DanamoN LEBIH PRO iB savings balances, the Customer must first have a Danamon LEBIH PRO/Danamn LEBIH iB savings account. If Customer does not have Danamon LEBIH PRO Account, Customer must open Danamon LEBIH PRO account before reward fulfillment date, so that Bank can credit the reward into that account.
   5. The crediting of prizes in the form of savings balances to Danamon LEBIH PRO/Danamon LEBIH PRO iB savings accounts will be carried out within a maximum of 30 (thirty) working days from the date the Customer is notified as the winner of the Savings Draw or from the date of opening the Danamon LEBIH PRO/Danamon LEBIH PRO iB savings account. If the Customer does not open a Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings Account within a maximum period of 90 (ninety) calendar days from the end of the Program Period, the winning Customer shall not be entitled to or able to make any claims or demands to Bank Danamon regarding the prize.
   6. For cashback prizes, the prize will be credited to the savings account within 30 (thirty) working days from the date the Savings Draw winner is notified.
3. The terms and conditions for awarding prizes under the Special Deals Transaction Scheme are as follows:
   1. Prize redemption for Special Deals will be conducted through the Dinomarket platform. Details of the website address and instructions will be communicated to eligible customers through Danamon's official communication channels, namely email and/or WhatsApp (WA), to the customer's registered email address and/or mobile phone number at the Bank.
   2. If the Customer successfully redeems the Prize during the Special Deals Period in accordance with the applicable Terms and Conditions of the program, the prize delivery process will be carried out by Dinomarket in accordance with the address provided by the Customer during the prize redemption process through the Dinomarket platform. The terms and conditions for prize delivery can be found at the following link (www.dinomarket.com/danamonrewards)
4. The terms and conditions for awarding prizes under the Grand Prize Draw Scheme are as follows:
   1. Customers who win the Grand Prize Draw Scheme prize will be contacted by Bank Danamon via the telephone number and/or email registered with Bank Danamon within a maximum of 10 (ten) working days after the date of the Grand Prize Draw.
   2. Grand Prize Draw prizes will be awarded through a Danamon Bank branch office.
   3. Customers are required to collect their prizes at a Bank Danamon branch office within a maximum of 60 (sixty) working days for gadget prizes, or 90 (ninety) working days for vehicle prizes, from the date of notification that they are winners of the Grand Prize Draw and fulfil Bank Danamon's request for the necessary documents related to the delivery of prizes. If the prize is not collected within a maximum period of 90 calendar days from the end of the program period, the winning customer shall not be entitled to or able to make any claims or demands to Bank Danamon regarding the prize that has not been collected by the winner.
   4. For Savings Lucky Draw prizes in the of Danamon LEBIH PRO/DanamoN LEBIH PRO iB savings balances, the Customer must first have a Danamon LEBIH PRO/Danamn LEBIH iB savings account. If Customer does not have Danamon LEBIH PRO Account, Customer must open Danamon LEBIH PRO account before reward fulfillment date, so that Bank can credit the reward into that account.
   5. The crediting of prizes in the form of savings balances to Danamon LEBIH PRO/Danamon LEBIH PRO iB savings accounts will be carried out within a maximum of 30 (thirty) working days from the date the Customer is notified as the winner of the Grand Prize Draw and/or opens a Danamon LEBIH PRO/Danamon LEBIH PRO iB savings account. If the Customer does not open a Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings Account within a maximum period of 90 (ninety) calendar days from the end of the Program Period, the winning Customer shall not be entitled to or able to make any claims or demands to Bank Danamon regarding the prize.
5. When collecting the prize at a Danamon Bank branch, the winning Customer must bring identification documents and/or other documents in accordance with Danamon Bank's policies.
6. Vehicle prizes will be delivered off the road, and Bank Danamon will not be involved in the process of determining ownership. Vehicle documents and other costs shall be borne by the winning customer.
7. The type, colour, and model of the prize awarded to the winning customer will be subject to stock availability. Bank Danamon does not accommodate special requests for colour, size, upgrades, exchanges, or other modifications that do not align with the prize specifications.
8. The prize cannot be exchanged for cash, goods, or any other form.
9. Bank Danamon is not the guarantor of the prizes obtained by customers under this Program. Therefore, any complaints regarding the quality of the prizes must be addressed directly to the manufacturer of the prizes.
10. Customers are required to check the prize before accepting it. If the prize received by the Customer is damaged/defective (due to manufacturing/shipping), the Customer may report this to Bank Danamon no later than 1 (one) working day after the prize is received by the Customer. If the Customer submits a complaint after this deadline, the matter should be followed up with the manufacturer of the prize.
11. All tax calculations are based on the applicable tax regulations in Indonesia. The tax on the gift is borne by Bank Danamon.
12. All matters relating to the calculation and reporting of tax on gifts received by Customers are entirely the responsibility of the Customer (self-assessment basis).

1. Savings Draw Scheme Simulation
   
   
   
   
   
   
   
2. Special Deals Transaction Scheme Simulation
   
   Simulation A – Customer Eligible to Participate in the Special Deals Transaction Scheme
   In the first month (1–31 October), Customer A has 30 Transaction Points with the following details:

   Transaction Date	Transaction	Number of Points from Transaction
   15 Oct 2025	Foreign Exchange Transaction of IDR 10,000,000 at D-Bank PRO	10 Points
   16 Oct 2025	Mutual Fund Transaction of IDR 5,000,000 at D-Bank PRO	10 Points
   16 Oct 2025	GoPay e-Wallet Top-Up Transaction of IDR 20,000	1 Point
   18 Oct 2025	QRIS Credit Card Transaction IDR 100,000	1 Point
   18 Oct 2025	Virtual Account Payment Transaction IDR 50,000	1 Point
   21 Oct 2025	Water Bill/PDAM Payment Transaction IDR 250,000	1 Point
   22 Oct 2025	Property Tax Payment Transaction IDR 2,000,000	1 Point
   23 Oct 2025	PLN Token Purchase Transaction IDR 1,850,000	1 Point
   25 Oct 2025	QRIS Savings Transaction IDR 250,000	1 Point
   2 Nov 2025	Danamon Credit Card Payment Transaction IDR 15,000,000	1 Point
   5 Nov 2025	Mandiri E-Money Top-Up Transaction IDR 200,000	1 Point
   10 Nov 2025	OVO e-Wallet Top-Up Transaction IDR 150,000	1 Point
   Total Points 15 October–15 November 2025		30 Points

   The customer has met the minimum requirement of 30 (thirty) Transaction Points, enabling them to redeem these points for available rewards on the Dinomarket website during the Special Deals period (14 November 2025), in accordance with the reward options applicable to that point total. If the Customer is unable to redeem Transaction Points for rewards on the Special Deals Date, the Transaction Points earned cannot be used on subsequent Special Deals Dates.
   
   Simulation B – Customer Not Eligible to Participate in Special Deals
   
   In the following month, namely the period from 1 to 30 November 2025, Customer A successfully collected 20 Transaction Points. However, because this amount did not meet the minimum Transaction Points requirement, which is 30 (thirty) points, the Customer was not eligible to participate in the Special Deals on 14 December 2025. Redeeming prizes is only possible if the Customer has at least 30 (thirty) Transaction Points.
3. Grand Prize Draw Program Simulation
   
   Simulation A – Customers who participate in the Savings Draw Scheme, but do not participate in the Special Deals Transaction Scheme
   Savings Draw Participation:

   Lottery Period	Eligible Participation	Number of draw points
   First Savings Draw	Yes	1,300
   Second Savings Draw	Yes	4,532
   Total		5,832

   Participation in the Special Deals Transaction Scheme:

   Special Deals Period	Eligible Participation	Number of transaction points
   1 December 2025	Not	0
   15 January 2026	No	0
   16 February 2026	No	0
   16 March 2026	No	0
   16 April 2026	No	0
   18 May 2026	No	0
   10 June 2026	No	0
   17 June 2026	No	0
   Total		0

   Total Savings Draw Points + Transaction Points = 5,832 + 0 = 5,832 points
   Customers are eligible to participate in the Tier 1, Tier 2 and Tier 3 Grand Prize Draw Scheme.
   
   Simulation B – Customers who do not participate in the Savings Draw Scheme but participate in the Special Deals Scheme (more than 500 Transaction Points)
   Savings Draw Participation:

   Lottery Period	Eligible Participation	Number of draw points
   First Savings Draw	No	0
   Second Savings Draw	No	0
   Total		0

   Participation in the Special Deals Transaction Program:

   Special Deals Period	Eligible Participation	Transaction Points
   1 December 2025	Yes	100
   15 January 2026	Yes	50
   16 February 2026	Yes	30
   16 March 2026	Yes	20
   16 April 2026	Yes	100
   18 May 2026	Yes	20
   10 June 2026	Yes	30
   17 June 2026	Yes	180
   Total		530

   Total Savings Draw Points + Transaction Points = 0 + 530 = 530 points
   Customers are eligible to participate in the Grand Prize Draw Scheme for Tier 1, Tier 2, and Tier 3.
   
   Simulation C – Customers who do not participate in the Savings Draw Scheme but participate in the Special Deals Transaction Scheme (less than 500 Transaction Points)
   Participation in the Savings Draw Scheme:

   Draw Period	Eligible Participation	Number of draw points
   First Savings Draw	No	0
   Second Savings Draw	No	0
   Total		0

   Participation in the Special Deals Scheme Transactions:

   Special Deals Period	Eligible Participation	Number of transaction points
   1 December 2025	No	5
   15 January 2026	No	1
   16 Februari 2026	No	0
   16 March 2026	No	0
   16 April 2026	No	5
   18 May 2026	No	0
   10 June 2026	No	1
   17 June 2026	No	1
   Total		13

   Total Savings Draw Points + Transaction Points = 0 + 13 = 13 points.
   The customer is eligible to participate in the Tier 2 and Tier 3 Grand Prize Draw Scheme, but is not eligible to participate in the Tier 1 Grand Prize Draw because the Transaction Points are less than 500.
   
   Simulation D - Customers participating in the Savings Draw Scheme and Special Deals Transaction Scheme
   Participation in the Savings Draw Scheme:

   Draw Period	Eligible Participation	Number of draw points
   First Savings Draw	No	0
   Second Savings Draw	Yes	5,430
   Total		5,430

   Participation in the Special Deals Transaction Scheme:

   Special Deals Period	Eligible Participation	Number of transaction points
   1 December 2025	Yes	100
   15 January 2026	Yes	50
   16 February 2026	Yes	30
   16 March 2026	Yes	20
   16 April 2026	Yes	100
   18 May 2026	Yes	20
   10 June 2026	Yes	30
   17 June 2026	Yes	200
   Total		550

   Total Savings Draw Points + Transaction Points = 5,430 + 550 = 5,980 points
   Customers are eligible to participate in the Grand Prize Draw Scheme for Tier 1, Tier 2, and Tier 3.

1. Customers may submit complaints regarding 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.
2. Procedures regarding complaint services can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. Other terms and conditions related to banking products and/or services, unless otherwise stipulated in the General Terms and Conditions of this Program, shall remain valid and binding on the Customer and form an integral part of the General Terms and Conditions of this Program.
2. The General Terms and Conditions of this Program form an integral part of the "General Terms and Conditions of Accounts and Banking Services of PT Bank Danamon Indonesia Tbk", "General Terms and Conditions of Sharia Accounts and Banking Services of PT Bank Danamon Indonesia Tbk", "General Terms and Conditions of Danamon LEBIH PRO Savings" the "General Terms and Conditions for Danamon LEBIH PRO iB Savings", the "General Terms and Conditions for Danamon Debit/ATM Cards", the "General Terms and Conditions for Danamon Privilege Services", and the "General Terms and Conditions for D-Bank PRO Services". In the event of any discrepancy or conflict between these terms and conditions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
3. In the event of force majeure, including but not limited to natural disasters, system disruptions, government policies, or other conditions beyond Bank Danamon's control, Bank Danamon reserves the right to:
   1. Postpone or suspend the implementation of the Program;
   2. Postpone or cancel the awarding of prizes to winners; and
   3. Change the Program Period and/or the mechanism for implementing the Program.
4. 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).
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 regulation 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 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.
7. If there are indications of fraud, cheating, transaction irregularities, unusual transactions, money laundering and/or actions that are not in accordance with laws and regulations, Bank Danamon reserves the right to cancel the transaction, cancel participation in the Program, and/or the awarding of prizes to the Customer concerned. The Customer remains obligated to settle all outstanding obligations to Bank Danamon (if any).
8. Customers agree that funds placed in savings accounts with returns above the maximum interest rate guaranteed by the Indonesia Deposit Insurance Corporation are not guaranteed by the Indonesia Deposit Insurance Corporation. Prizes received by customers are also calculated as a component of the maximum guaranteed interest rate. Customers can find out about changes to the maximum guaranteed interest rate through Bank Danamon branches or through Hello Danamon.
9. 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 and the provisions on guaranteed interest rates based on the regulations of the Indonesia Deposit Insurance Corporation.
10. 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's guarantee scheme.

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.