TERMS AND CONDITIONS FOR TAHAPAN
PT BANK CENTRAL ASIA Tbk (“BCA”) A. GENERAL TERMS & CONDITIONS

1. TAHAPAN BCA Depositor means an individual who owns an identity card in accordance with the applicable law, a foundation or any other entity as determined by BCA, or a combination thereof (hereinafter referred to as the "Depositor").
2. Upon opening the TAHAPAN BCA account, the Depositor will obtain a Paspor BCA Card, which can be used for conducting transactions.
3. At the Depositor’s request, BCA will issue a TAHAPAN BCA passbook. BCA has the right to charge the Depositor a fee for issuing the TAHAPAN BCA passbook.
4. The parent or guardian that opens a TAHAPAN BCA account for the benefit of a minor in the capacity as his/her parent or guardian is fully liable for the use of the Paspor BCA Card provided by BCA in connection with the opening of the TAHAPAN account, including any misuse of the Paspor BCA Card.
5. In respect of a TAHAPAN account with the status of "Joint Account" "AND'", and "Foundation", BCA will provide a Special Paspor Card, which can only be used to conduct transactions at a teller counter.
6. For a funds transfer between BCA accounts or to an account at another bank (interbank funds transfer) through BCA’s electronic banking facility or another bank’s ATM, the Depositor hereby authorizes BCA to:
   1. display the Depositor’s name and/or account number on the screen of the electronic banking facility
   2. provide the Depositor’s name and/or account number to such other bank to be displayed on the screen of such other bank’s ATM.
The display of the name and/or account number as described in items a and b above is intended as a means of seeking confirmation from the remitting customer to minimize the possibility of the remitting customer transferring to a wrong account.
7. The Depositor is fully liable for all losses arising from the forgery of the TAHAPAN BCA passbook, misuse of any nature of the TAHAPAN BCA passbook, as well as any losses or claims arising from the loss of or damage to the TAHAPAN BCA passbook.
8. BCA is not liable for any damage to and/or failure of BCA’s ATMs and/or other facilities as a consequence of any occurrences beyond BCA's control.
9. BCA reserves the right to block the Depositor’s account, reject any transaction involving the Depositor’s account, and/or terminate the business relationship with the Depositor if:
   1. the Depositor fails to comply with the prevailing law;
   2. the Depositor fails to provide any information and supporting documents in accordance with the prevailing law;
   3. the Depositor is known to have used and/or reasonably suspected of using false documents and/or providing incorrect data to BCA;
   4. the Depositor provides questionable information; and/or
   5. the Depositor’s source of transaction funds is known to emanate from and/or reasonably suspected of emanating from a crime.
10. If there is any discrepancy between the balance in the BCA TAHAPAN passbook and the balance on record with BCA, the balance on record with BCA will prevail, unless proven otherwise.
11. Tahapan Account will be automatically closed by the system if the balance in the account is 0 (zero balance), and no debit and credit transactions were made in said account for 12 (twelve) consecutive months.
12. The Depositor must pay all charges and fees that may be incurred in relation to the issuance and/or use of a Paspor BCA Card and/or a BCA TAHAPAN passbook, including but not limited to the fee for the production/replacement of such Paspor BCA Card and BCA TAHAPAN passbook, the administration fee, transaction fee, and other charges and fees. The amounts of such charges and fees and any changes thereto will be notified to the Depositor in any form and by any means. Such charges and fees will be debited directly by BCA from the Depositor’s TAHAPAN BCA account.
13. The Depositor must notify BCA in writing of any changes to the Depositor’s data.
14. The Depositor hereby authorizes BCA to provide the Depositor‘s data to any party outside of BCA that has entered into a cooperation agreement with BCA, for promotional activities or other commercial purposes.
15. In the event of the Depositor’s death, BCA may request any documentation of heirship as required by BCA as the basis for liquidating the balance in the TAHAPAN BCA account owned by the deceased Depositor and paying the same to the rightful beneficiary(-ies) or attorney(s)-in-fact as specified in the documentation of heirship. Once the balance in the TAHAPAN BCA account owned by the deceased Depositor has been liquidated and paid to the rightful beneficiary(-ies) or attorney(s)-in-fact as specified in the documentation of heirship, BCA is released and forever discharged from any liability whatsoever in connection with the Depositor’s TAHAPAN BCA account.
16. All actions taken by any one or more parties that open a joint TAHAPAN account are binding on all such parties jointly owning such joint TAHAPAN account, and therefore each party is jointly and severally liable to BCA for all consequences arising therefrom.
17. If the Depositor later applies for such facilities as m-BCA, KlikBCA, and/or other facilities linked to the TAHAPAN BCA account, the Depositor hereby agrees to the relevant terms and conditions for such m-BCA, KlikBCA, and/or other facilities linked to the TAHAPAN BCA account if the Depositor uses such facilities.
18. A certain number of transactions that have not been printed in a BCA TAHAPAN passbook (unprinted transactions) for a certain period may be combined into a single debit transaction and/or a single credit transaction (according to the transaction type), and the combination of such unprinted transactions is automatically done by the system.
19. As long as the Depositor (including any one or more parties collectively opening the TAHAPAN BCA joint account) still has outstanding debts of any nature to BCA under any credit facility, L/C, bank guarantee or guarantee provided by the Depositor (borgtocht), interest, facility fee (provisi), Cheque/Bilyet Giro book charges, stamp duty, draft, letter of acceptance or other commercial papers signed by the Depositor as an acceptor, endorser, or drawer, guarantor or as a consequence of the use of a credit card or any other fees or obligations arising from anything whatsoever, BCA is entitled, and to the extent necessary is hereby authorized by the Depositor to debit the Depositor’s account and apply the proceeds to repay any amounts at any time owing to BCA. Any consequences arising from the debiting of the Tahapan BCA account under the power granted by the Depositor shall be the sole responsibility of the Depositor.
20. BCA has the right to rectify the balance of the Depositor’s account in the event of any mistake made by BCA in inputting the relevant data.
21. If the TAHAPAN passbook is lost, damaged or used up, the Depositor may apply for a replacement of the TAHAPAN passbook to a BCA branch office. The application for replacement of the TAHAPAN passbook will be processed by BCA on condition that the Depositor has fulfilled the requirements and provisions applicable at BCA.
22. The closure of a TAHAPAN BCA account must be done by the Depositor at the BCA branch office where the TAHAPAN BCA account is opened, and the Depositor must present the Depositor’s original and valid ID card, the Paspor BCA Card and other supporting documents (if applicable) according to the provisions applicable at BCA.
23. The closure of a TAHAPAN BCA account will be subject to an account closing fee. The fee amount for closing the TAHAPAN BCA account and any changes thereto will be notified by BCA to the Depositor in any form and by any means in accordance with the applicable law.
24. Any TAHAPAN BCA account that is closed during a lucky draw period is not eligible for the lucky draw program held by BCA (if any).
25. All data connected with the TAHAPAN BCA account will be held and stored by BCA in accordance with the prevailing law.
26. The Depositor’s funds at BCA are guaranteed by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan, or “LPS”) to the extent of the maximum limit stipulated by the LPS. The LPS does not guarantee any deposit with interest at the rate exceeding the maximum interest rate stipulated by the LPS.
27. BCA will offer certain products/services provided by BCA and any other party that has entered into a cooperation agreement with BCA via personal communication channels. If the Depositor refuses to get such offer, the Depositor can contact Halo BCA.
28. The Depositor hereby authorizes BCA to provide the Depositor‘s data to a paying bank in order to enable the paying bank to make payment to the designated recipient with regard to the Depositor's remittance transaction.
29. By opening the TAHAPAN BCA account, the Depositor is bound by and agrees to these Terms and Conditions for TAHAPAN BCA. BCA may at any time amend any provisions concerning the TAHAPAN BCA account, and such amendment will be notified by BCA in any form and by any means in accordance with the prevailing law.
30. The Depositor must not keep or leave the Depositor’s TAHAPAN passbook at BCA.

B. DEPOSITS AND WITHDRAWALS

1. The amounts of initial and subsequent deposits into the TAHAPAN BCA account shall subject to the provisions applicable at BCA, which will be notified by BCA in any form and by any means in accordance with the prevailing law.
2. Deposits can be made at any time through the teller counter during BCA business hours or through a cash deposit machine and/or through other facilities as determined by BCA.
3. Deposits in forms of Cheques, Bilyet Giro, drafts, and other instruments of similar nature will be credited to the TAHAPAN BCA account on the same day such instruments are received, but the credited amounts do not constitute good funds (dana efektif) that can be readily used or withdrawn by the Depositor (floating). The status of good funds in the TAHAPAN BCA account is dependent on the clearing result from Bank Indonesia and time of the clearing process (same day, next day or two days) as applicable to each BCA branch office. For incoming remittance transactions, funds will be credited to the TAHAPAN BCA account once the amounts have been received by BCA in good funds.
4. In the event of any rejection of a Cheque, Bilyet Giro, Draft and other instruments of similar nature, BCA has the right to recover the credited amounts by debiting the Depositor’s TAHAPAN BCA account in the amount of the rejected Cheque, Bilyet Giro, Draft and other instruments of similar nature.
5. If any of the instruments described above is rejected by the issuing bank, the rejected instrument can be collected by the depositor within 30 (thirty) calendar days of the rejection date. If the depositor fails to collect the rejected instrument within such period, BCA is not responsible for any consequences arising from the Depositor’s failure to collect the rejected instrument.
6. If the Depositor requests BCA to make a collection (inkaso) of an instrument from the relevant issuing bank, BCA has the right to appoint a correspondent bank to carry out the collection. Any failure or delay by such correspondent bank in conducting the collection with the issuing bank or transferring the proceeds to BCA as well as any loss arising from the collection process shall be the sole responsibility of the Depositor.
7. Cash withdrawals or funds transfers can be made at any time through the teller counter during BCA business hours or through the ATM, and/or through other facilities as determined by BCA.
8. Whenever the Depositor makes a cash withdrawal or a funds transfer at the teller counter, BCA has the right to carry out PIN verification and/or any other verification procedure (if necessary) in accordance with the provisions applicable at BCA. BCA has the right to refuse to process a withdrawal or funds transfer if the Depositor cannot be verified according to the provisions applicable at BCA.
9. Cash withdrawals or fund transfers by the Depositor’s attorney-in-fact can be made at a BCA branch office and the Depositor’s attorney-in-fact must present a duly fiscal-stamped power of attorney from the Depositor as well as the Depositor’s identity card and the attorney-in-fact’s original identity card.

C. CALCULATION AND PAYMENT OF INTEREST

1. The TAHAPAN BCA account pays interest calculated based on the monthly average balance.
2. Interest will be paid at the end of the relevant month and will be directly credited or added to the balance of the Depositor’s account on record with BCA.
3. The interest rate will be determined by BCA. BCA has the right to change the interest rate at any time and will notify the Depositor of such change in any form and by any means in accordance with the applicable law.
4. Any interest income shall be subject to tax in accordance with the prevailing tax law, and the tax shall be borne by the Depositor.

D. COMPLAINTS HANDLING

1. Any complaints to BCA in connection with the TAHAPAN BCA account may be lodged by the Depositor with any BCA branch office or with HALO BCA. For the purpose of handling a complaint, BCA may ask the Depositor to provide BCA with a copy of the Depositor’s identity card and other supporting documents.
2. BCA will respond to such complaint in accordance with the prevailing law.
3. Any complaints relating to the TAHAPAN BCA account must be lodged by the Depositor with BCA within no later than 3 (three) months of the transaction date.

E. DISPUTE RESOLUTION

1. The Depositor agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of these Terms and Conditions for TAHAPAN of PT BANK CENTRAL ASIA Tbk (“BCA”) will be resolved in an amicable manner.
2. Any dispute or difference of opinion that cannot be amicably resolved between the Depositor and BCA will be resolved through banking mediation facilities at Bank Indonesia or the Financial Services Authority or by means of mediation through an Alternative Dispute Resolution Institution included in the List of Alternative Dispute Resolution Institutions stipulated by the Financial Services Authority.
3. Any dispute or difference of opinion that cannot be resolved in an amicable manner and/or by means of mediation as described in item 2 above will be resolved through the District Court of Central Jakarta, without prejudice to BCA's right to file a suit or claim through any other District Court within the territory of the Republic of Indonesia.

These Terms and Conditions for TAHAPAN of PT BANK CENTRAL ASIA Tbk (“BCA”) have been adjusted to ensure compliance with the prevailing laws and regulations including Regulations of the Financial Services Authority