DBS NextGen Excursion 2025

1. Programme Period: February 1^st - April 30^th, 2025.
2. This programme is applicable for DBS Treasures and Treasures Private Client customers of PT Bank DBS Indonesia ("Bank").
3. Customers can register family members aged 15 to 18 years old (“Participants”) to join the programme (including or excluding flight tickets) at Singapore Management University (SMU) for 4 days and 3 nights (“Reward”)
4. Registration period: February 1^st – March 31^st, 2025.
5. Customers can join the programme if they meet the following requirements:
   1. Customer makes a placement using Fresh Fund or Existing Fund in one of the package offers (point d) during the programme period.
   2. Completing programme registration during the registration period.
   3. Fresh Fund refers to new funds coming from outside the Bank (e.g., transfers from other banks or cash deposits into the Bank account). It does not apply intrabank transfers, funds that were already in the customer's account before the fund placement period, proceeds from the liquidation of time deposits, mutual funds, and bonds, or funds from rewards, cashback, cash rewards, savings interest, deposit interest, or other gifts provided by the bank.
   4. Customers can choose a programme package with or without flight, with the following details:
      • Package 1 (including flight).
        • Flights only valid from or to Jakarta.

        Type of package 1	Product type	Type of Funds	Placement period	Funds Placement
        A	Multi-Currency Account (IDR)	Fresh Fund	12months	IDR 1,600,000,000
        		Existing Fund		IDR 1,800,000,000
        B	Multi-Currency Account (IDR)	Fresh Fund	6months	IDR 3,000,000,000
        		Existing Fund		IDR 3,500,000,000
        C	Multi-Currency Account (USD)	Fresh Fund	12months	USD 120,000
        		Existing Fund		USD 140,000
        D	Multi-Currency Account (SGD)	Fresh Fund	12months	SGD 500,000
        		Existing Fund		SGD 600,000
        E	Multi-Currency Account (AUD)	Fresh Fund	12months	AUD 210,000
        		Existing Fund		AUD 250,000
        F	Secondary Bonds	-	-	IDR 10,000,000,000
        G	Unit Trust Regular	-	-	IDR 10,000,000,000
        H	Selected Unit Trust1	-		IDR 6,500,000,000
        F	Bancassurance – Single Premi2	-	-	Based on selected bancassurance product
        G	Bancassurance – Regular Pemi2	-	-	Based on selected bancassurance product

         

        ¹Selected Unit Trust

        Selected Unit Trust

        Eastspring Investments Alpha Navigator Kelas A                Eastspring Investments Value Discovery Kelas A Eastspring Investments IDR High Grade Kelas A  Eastspring Investments Yield Discovery Kelas A   Trimegah Fixed Income Plan  Manulife Saham Syariah Golden Asia Dolar AS A1 Class Manulife Obligasi Negara Indonesia II A Class as A  Manulife Obligasi Negara Indonesia II Kelas Income 2 Manulife Pendapatan Bulanan II  Manulife USD  Fixed Income Kelas A  Manulife Saham Syariah Asia Pasifik Dollar AS Manulife Saham Syariah Golden Asia Dolar AS Kelas A1

         

        ²Bancassurance Product

        Product Type	Product Name	Premi Payment Period	Minimum Premi (IDR  or equivalent with other currency)
        Bancassurance – Single Premi	MiTreasure Future Lifesaver (coverage period 20 years)		IDR 1,500,000,000
        	MiTreasure Future Lifesaver (coverage period 10 years)		IDR 1,800,000,000
        	MiWealth Infinite Assurance		IDR 2,250,000,000
        	MiWealth Infinite Assurance		USD 195,000
        	Manulife Multigenerational Income Assurance		IDR 2,200,000,000
        	MiTreasures Future Smart Assurance		USD 167,000
        	MiTreasures Future Smart Assurance		IDR 2,300,000,000
        Bancassurance – Regular Premi	MiTreasure Whole Life Legacy	5 years	IDR 350,000,000
        	MiTreasure Whole Life Legacy	10 years	IDR 300,000,000
        	MiWealth Infinite Assurance	5 years	IDR 350,000,000
        	MiWealth Infinite Assurance	5 years	USD 35,000
        	MiTreasures Optimax Protection	10 years	IDR 400,000,000
        	MiTreasure Future Lifesaver (coverage period 20 years)	5 years	IDR 350,000,000
        	Manulife Multigenerational Income Assurance	3 years	IDR 1,000,000,000
        	Manulife Multigenerational Income Assurance	5 years	IDR 500,000,000
        	MiTreasures Future Smart Assurance	3 years	USD 77,000
        	MiTreasures Future Smart Assurance	5 years	USD 45,000
        	MiTreasures Future Smart Assurance	3 years	IDR 1,000,000,000
        	MiTreasures Future Smart Assurance	5 years	IDR 500,000,000

         

      • Package 2 (without flight)

        Type of Package 2	Product Type	Type of Funds	Placement Period	Funds Placement
        A	Multi-Currency Account (IDR)	Fresh Fund	12months	IDR 1,400,000,000
        		Existing Fund		IDR 1,600,000,000
        B	Multi-Currency Account (IDR)	Fresh Fund	6months	IDR 2,700,000,000
        		Existing Fund		IDR 3,000,000,000
        C	Multi-Currency Account USD	Fresh Fund	12months	USD 110,000
        		Existing Fund		USD 125,000
        D	Multi-Currency Account SGD	Fresh Fund	12months	SGD 450,000
        		Existing Fund		SGD 550,000
        E	Multi-Currency Account AUD	Fresh Fund	12months	AUD 180,000
        		Existing Fund		AUD 220,000
        F	Secondary Bonds	-	-	IDR 8,000,000,000
        G	Unit Trust Regular	-	-	IDR 8,000,000.000
        H	Selected Unit Trust1	-		IDR 5,000,000,000
        F	Bancassurance – Single Premi2	-	-	Based on selected bancassurance product
        G	Bancassurance - Regular Pemi2	-	-	Based on selected bancassurance product

         

         ¹Selected Unit Trust

        Selected Unit Trust

        Eastspring Investments Alpha Navigator Kelas A                Eastspring Investments Value Discovery Kelas A  Eastspring Investments IDR High Grade Kelas A  Eastspring Investments Yield Discovery Kelas A  Trimegah Fixed Income Plan  Manulife Saham Syariah Golden Asia Dolar AS Kelas A1  Manulife Obligasi Negara Indonesia II Kelas A  Manulife Obligasi Negara Indonesia II Kelas Income 2 Manulife Pendapatan Bulanan II  Manulife USD Fixed Income Kelas A  Manulife Saham Syariah Asia Pasifik Dollar AS Manulife Saham Syariah Golden Asia Dolar AS Kelas A1

         

        ² Bancassurance Product

        Product Type	Product Name	Premi Payment Period	Minimum Premi (IDR or equivalent with other currency)
        Bancassurance – Single Premi	MiTreasure Future Lifesaver (coverage period 20years)		IDR 1,250,000,000
        	MiTreasure Future Lifesaver (coverage period 10years)		IDR 1,600,000,000
        	MiWealth Infinite Assurance		IDR 2,000,000,000
        	MiWealth Infinite Assurance		USD 168,000
        	Manulife Multigenerational Income Assurance		IDR 2,000,000,000
        	MiTreasures Future Smart Assurance		USD 150,000
        	MiTreasures Future Smart Assurance		IDR 2,000,000,000
        Bancassurance – Regular Premi	MiTreasure Whole Life Legacy	5years	IDR 300,000,000
        	MiTreasure Whole Life Legacy	10years	IDR 250,000,000
        	MiWealth Infinite Assurance	5years	IDR 300,000,000
        	MiWealth Infinite Assurance	5years	USD 30,000
        	MiTreasures Optimax Protection	10years	IDR 350,000,000
        	MiTreasure Future Lifesaver (coverage period 20years)	5years	IDR 300,000,000
        	Manulife Multigenerational Income Assurance	3years	IDR 850,000,000
        	Manulife Multigenerational Income Assurance	5years	IDR 450,000,000
        	MiTreasures Future Smart Assurance	3years	USD 65,000
        	MiTreasures Future Smart Assurance	5years	USD 39,000
        	MiTreasures Future Smart Assurance	3years	IDR 800,000,000
        	MiTreasures Future Smart Assurance	5years	IDR 450,000,000

         

   5. Customers has filled out the registration form of the programme.
   6. Funds placement on selected package could be done periodicaly before program period ends .
6. This programme is valid for 1 (one) participant.
7. The trip period is from June 29, 2025, to July 2, 2025.
8. If Customer doing early break of the product or did not meet required period, did not meet the minimum amount placement, and to cancel the product placement including bancassurance product during the Free Look period, Customer will be charged a penalty that equivalent with programme reward and will be deducted from customer’s account.
9. Balances, funds, transactions and all related data determining the winner will be based on the registered data during the programme period.
10. The bank retains the right, at its discretion, to modify, eliminate, or add to the terms and conditions of this programme with prior notice, in accordance with applicable regulations.
11. Should any fraud, whether intentional or unintentional is deemed proven during the programme period, the bank, at its discretion, has the right to disqualify the customer from the programme and withhold the reward.
12. Customers may request an objection and/or request a correction for any reward discrepancies calculation within 30 (thirty) business days after the programme period ends by contacting the DBSI Customer Centre at 1500327 or +6221 298 52800 (from outside Indonesia).
13. The Customer agrees to release and indemnify the bank from any claims, demands, losses, damages, and expenses that may arise and be incurred by the bank in relation to this programme, both now and in the future, except in cases of the bank’s intentional misconduct or severe negligence. The Customer agrees to release and indemnify the Customer from any claims, demands, losses, damages, and expenses that may arise and be incurred by the bank in relation to this programme, both now and in the future, except in cases of the customer's intentional misconduct or severe negligence.
14. The customer is responsible for tax obligation in connection with the cash reward received in accordance with the applicable tax regulations including if any tax underpayment as the result of the recalculation of the said cash reward into the Annual Individual Income Tax Return. Customer may contact the Customer’s tax consultant if they have any questions and in regards of Individual Income Tax Reporting. The Customer releases the Bank from all claims in connection with this matter.
15. The customer is required to validate their National Identification Number (NIK) with their Taxpayer Identification Number (NPWP). If the customer’s NIK has not been synced with their NPWP, the bank will not be able to issue the withholding tax slip.
16. Customer can request the withholding tax slips through DBS Branches (for Treasures & TPC customers).
17. The terms and conditions of this program have been aligned with the applicable laws and regulations, including the regulations of the Financial Services Authority (Otoritas Jasa Keuangan).

PT Bank DBS Indonesia is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant of Lembaga Penjamin Simpanan (LPS).