Apply for Easier Personal Loan with D-Bank PRO

The Program runs from 1 September to 31 December 2026 (““Program Period”).

Customers eligible to participate in the Program are individual customers who are registered with Bank Danamon (existing-to-bank), are employees of companies that use Bank Danamon’s banking services for employee payroll, and have been invited to apply for a Dana Instant facility through D-Bank PRO (“Participants”).

1. Before participating in the Program, Participants must read and understand the Program’s features, benefits, risks, fees and other provisions, and agree to these General Program Terms and Conditions.
2. Bank Danamon may reject or cancel a Participant’s participation in the Program if these General Program Terms and Conditions are not met.
3. Participants are fully responsible for any risk of loss, demand, legal action and/or claim arising from their participation in and/or cancellation of participation in the Program.
4. Invited Participants may apply for a Dana Instant facility through the product menu in D-Bank PRO.
5. Participants must complete and sign the Dana Instant application in accordance with the applicable provisions, including but not limited to providing the supporting documents required for Dana Instant.
6. Participants who apply for a Dana Instant facility through D-Bank PRO during the Program Period may be eligible for the following Dana Instant facility:

   Loan Term	Interest Rate	Maximum Loan Amount	Administration Fee
   3, 6 or 12 months	1.85% per month	Up to IDR 49 million	IDR 0

7. Participants acknowledge and agree that Bank Danamon may change the Loan amount and Loan term if the details submitted by a Participant in the Dana Instant application do not correspond with the results of Bank Danamon’s assessment.
8. Participants acknowledge and agree that Bank Danamon will assess their applications and may:
   • determine the Dana Instant loan amount that may be approved for the Participant;
   • determine the Dana Instant loan term;
   • reject the Participant’s application if the Participant does not meet the applicable Dana Instant requirements.
9. By applying for a Dana Instant facility in accordance with these General Program Terms and Conditions, the Participant is deemed to have read and understood them, agreed to participate in the Program, and agreed to be bound by them. The Loan application constitutes valid evidence of the Participant’s participation in the Program and agreement to be bound by these General Program Terms and Conditions.

Bank Danamon may reject a Participant’s application for a Dana Instant facility if, based on Bank Danamon’s credit assessment, the application does not meet the applicable requirements.

1. Participants may submit complaints about banking products or services verbally or in writing through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or by email to hellodanamon@danamon.co.id, which is available 24 hours a day, 7 days a week.
2. The Participant complaint-handling procedure is available at www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. These General Program Terms and Conditions form an integral part of the “General Terms and Conditions of Bank Danamon Accounts and Banking Services”, the “General Terms and Conditions of Dana Instant”, and other terms and conditions relating to banking products and/or services. If there is any discrepancy or conflict between those provisions and these General Program Terms and Conditions, these General Program Terms and Conditions will prevail.
2. Participants hereby agree and acknowledge that Bank Danamon may revise, amend or supplement these General Program Terms and Conditions from time to time by giving notice through Bank Danamon’s available communication channels. If there are changes to the benefits, risks, fees, terms or conditions under these General Program Terms and Conditions, or any other changes, Participants may submit a written objection to Bank Danamon within 30 (thirty) working days from the date on which Bank Danamon gives notice through its communication channels. Participants agree that they will be deemed to have accepted the notified changes if they do not submit an objection within that period. If a Participant does not accept the changes, the Participant may cancel their participation in the Program after first settling all obligations to Bank Danamon (if any).
3. Participants understand that the notice period may not apply to certain changes in accordance with applicable laws and regulations.
4. Participants declare that there are no, and will be no, transactions suspected of involving money laundering and/or other transactions prohibited under applicable Indonesian laws and regulations.
5. If there are indications of fraud, deception and/or transaction irregularities, unusual transactions, money laundering and/or acts contrary to applicable laws and regulations, Bank Danamon may cancel the relevant transaction and/or cancel participation in the Program. Participants remain obliged to settle all obligations to Bank Danamon.
6. If any provision of these General Program Terms and Conditions is prohibited, unenforceable, rendered invalid or declared null and void by a government or court decision, this will not affect the validity of the other provisions. Those other provisions will remain valid, binding and enforceable as stipulated in these General Program Terms and Conditions.
7. If a Participant identifies any irregularity relating to the Program or suspects that fraud has occurred, the Participant should immediately report it through Hello Danamon.
8. These Program Terms and Conditions are prepared in Indonesian and English. If there is any discrepancy between the provisions or interpretations of the Indonesian and English versions, the Indonesian version will prevail.
9. The headings and terms used in these General Program Terms and Conditions are solely intended to facilitate an understanding of their contents.
10. These General Program Terms and Conditions comply with applicable laws and regulations, including the regulations of the Financial Services Authority (OJK) and Bank Indonesia.
11. Bank Danamon is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the Indonesia Deposit Insurance Corporation (LPS).

Participants must beware of fraudsters claiming to represent Bank Danamon and promising rewards in any form. Any fraud or other criminal act committed by another or third party in connection with, or in the name of, Bank Danamon or the Program is outside Bank Danamon’s responsibility.