Term & Condition:

1. Instant Reward Deposit Program is valid for the period 1 – 31 December 2025.

2. Instant Reward Deposit Program are open to all individual customers of PT Bank KEB Hana Indonesia (Hana Bank).

3. Customers are entitled to receive a reward in the form of cashback after meeting the following requirements:

• Open a Program Deposit through Hana Bank branch network in accordance with the applicable program scheme.

• Open the Goal Savings Basic product with a minimum monthly deposit of IDR 1,000,000 and a minimum term of 6 (six) months.

4. The Program applies under the following conditions:

Placement conditions:

• The minimum deposit placement amount refers to the program scheme table set out in the Program Participation Form available at Hana Bank branches.

• The funds placed in the Program must be New Funds. Examples of New Funds: funds originating from other banks or cash deposits that increase the customer’s overall funds at Hana Bank. New Funds are considered within a maximum period of 30 (thirty) calendar days from the date the funds are received.

• Program Deposits will be held for the duration of the Program.

Options for interest payment on Program Deposits:

• The Program interest amount will be credited monthly to the Source Account; or

• The Program interest amount will be credited to the Source Account at Program maturity.

5. Cashback will be provided no later than 30 (thirty) calendar days after the Customer places funds in the Program and in the Goal Savings Basic product, and will be credited to the Customer’s source account.

6. If the Program interest payment date or the Program maturity date falls on a holiday (Saturday/Sunday/National Holiday), the interest payment and maturity will be processed on the next business day.

7. On the maturity date, all funds in the Program account, including Program interest, will be automatically credited to the Source Account and the Program account will be automatically closed.

8. Customers will be subject to tax withholding on interest income from the Program and on Cashback in accordance with applicable tax regulations.

9. Customers will receive proof of Program ownership in the form of a confirmation letter printed by Hana Bank after the Program account has been successfully opened at the start of Program participation. If customers wish to reprint the confirmation letter, they may visit any Hana Bank branch.

10. If a Customer terminates the Program before maturity:

• The Customer will be charged a penalty on the reward in accordance with the Program terms; the penalty will be automatically debited from the Program account at the time of account closure, in amounts corresponding to the Program scheme above.

• Program interest will be paid according to the interest rate indicated on the Program Participation Form.

• The Customer must complete and sign the Program Termination Form.

11. If there is any indication of violation or fraud against applicable regulations, Hana Bank reserves the right to cancel or reclaim Cashback that has been or would be given to the Customer.

12. Hana Bank reserves the right to change and/or add to the Program’s terms & conditions by notifying Customers in advance within the time limits set by the Regulator, through media determined by Hana Bank.

13. This Program is not covered by the deposit interest guarantee program of the Lembaga Penjamin Simpanan (LPS). The maximum deposit amount guaranteed by LPS is IDR 2,000,000,000 (two billion Rupiah), and LPS does not guarantee deposits that are not in accordance with the applicable LPS interest rates.

14. Customers may submit complaints, file grievances, or ask questions by contacting Call Hana at 1-500-021 (24 hours), WhatsApp Call Hana at 0811-9710-0021 (08:00 – 22:00 WIB), or by visiting the nearest Hana Bank branch during Service Hours: 08:00 – 15:00 WIB (Business Days).

15. By participating in this Program, the Customer confirms that they have read, acknowledged, understood, and agreed to all applicable Program terms and conditions.

16. PT Bank KEB Hana Indonesia (Hana Bank) is licensed and supervised by the Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) and is a participant of the Lembaga Penjamin Simpanan (LPS) guarantee scheme.