Terms & Conditions:

1. Program is valid from 2 March – 31 March 2026

2. Program applies to all New Individual Customers of PT Bank KEB Hana Indonesia (Hana Bank).

3. Customers are eligible to receive rewards in the form of Cashback upon fulfilling all of the following requirements:

• Opening a Time Deposit through the Hana Bank Branch Network in accordance with the applicable Program scheme.
• Purchasing a Mutual Fund product in accordance with the applicable Program scheme.

4. Program is subject to the following terms and conditions:

• Scheme A

Minimum Total Placement (IDR)	Time Deposit Placement (IDR)	Tenor (Months)	Time Deposit Interest Rate (p.a)	Minimum Mutual Fund Placement (IDR)	Deposit Cashback (Net)	Mutual Fund Cashback (Net)	Total Cashback (IDR)	Program Penalty  (IDR)
300,000,000	250,000,000	3	0.25%	50,000,000	2,375,000	250,000	2,625,000	2,968,750
600,000,000	500,000,000	3	0.25%	100,000,000	4,750,000	500,000	5,250,000	5,937,500
1,200,000,000	1,000,000,000	3	0.25%	200,000,000	9,500,000	1,000,000	10,500,000	11,875,000
6,000,000,000	5,000,000,000	3	0.25%	1,000,000,000	47,500,000	5,000,000	52,500,000	59,375,000

• Scheme B

Minimum Total Placement (IDR)	Time Deposit Placement (IDR)	Tenor (Months)	Time Deposit Interest Rate (p.a)	Minimum Mutual Fund Placement (IDR)	Deposit Cashback (Net)	Mutual Fund Cashback (Net)	Extra Cashback (Net)	Total Cashback (Rp)	Program Penalty  (IDR)
500,000,000	250,000,000	3	0.25%	250,000,000	2,375,000	1,250,000	500,000	4,125,000	3,498,750
1,000,000,000	500,000,000	3	0.25%	500,000,000	4,750,000	2,500,000	1,000,000	8,250,000	6,997,500
2,000,000,000	1,000,000,000	3	0.25%	1,000,000,000	9,500,000	5,000,000	2,500,000	17,000,000	14,515,000
10,000,000,000	5,000,000,000	3	0.25%	5,000,000,000	47,500,000	25,000,000	15,000,000	87,500,000	75,175,000

5. Fund Placement Provisions:

• The minimum placement amount refers to the Program scheme table stated in the Program Participation Form available at the Hana Bank Branch Network.
• Funds must qualify as New Funds, defined as funds originating from another bank or cash deposits that increase the Customer’s total fund position at Hana Bank. New Funds are counted within a maximum of 30 (thirty) calendar days from the date funds are received.
• The Program Time Deposit placement will be held for the full Program tenor.
• Mutual Fund placements may be made in IDR or USD, and must be completed within 7 (seven) calendar days after the Time Deposit placement.

6. Interest payment options for the Program Time Deposit to the Source of Funds Account are as follows:

• Monthly crediting of the Program interest amount.
• Crediting of the Program interest amount upon maturity.

7. If the interest payment date or maturity date falls on a holiday (Saturday/Sunday/Public Holiday), processing will occur on the next business day.

8. Upon maturity, the entire balance including interest will be automatically credited to the Source Account and the Program account will be closed automatically.

9. Withholding tax on deposit interest shall be borne by the Customer in accordance with applicable tax regulations.

10. Customers will receive a confirmation letter issued by Hana Bank upon successful account opening. Reprints may be requested at a Hana Bank branch.

11. If the Customer terminates the Program/Time Deposit prior to maturity:

• Customer must complete and sign the Program Termination Form.
• Cashback penalty will apply in accordance with the Program scheme.
• Interest will be paid in accordance with the rate stated in the Program Participation Form.

12. Program applies to the purchase of mutual fund products as follows:

• Applicable to all mutual fund products except Money Market Funds denominated in IDR or USD.
• USD-denominated products will be calculated using an assumed exchange rate of USD/IDR 16,800.
• Applicable to products with a minimum transaction fee of 1%, except products under a Deferred Sales Charge (DSC) scheme.
• The promotion does not apply to additional subscription transactions or unit switching.

13. Cashback will be paid in IDR and transferred to the Customer’s registered account within a maximum of 30 (thirty) business days after the Program period ends.

14. Hana Bank reserves the right to cancel or reclaim cashback in the event of violations or fraud.

15. Hana Bank reserves the right to amend and/or add to the Program’s terms and conditions with prior notice in accordance with regulatory requirements.

16. For complaints or inquiries, Customers may contact Call Hana 1-500-021 (24 hours), Official WhatsApp 0811-9710-0021 (08:00–22:00 WIB), or visit the nearest branch during service hours (Business Days, 08:00–15:00 WIB).

17. Customers must comply with all applicable instructions, terms, and laws governing this Program.

18. By participating, Customers are deemed to have read, understood, and agreed to all applicable terms and conditions.

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