TERMS AND CONDITIONS FOR TABUNGAN PRESTASI (“TAPRES”)
PT BANK CENTRAL ASIA Tbk (“BCA”) I. TERMS AND CONDITIONS FOR TAPRES ACCOUNT

1. TAPRES BCA Depositor means an adult individual who owns an identity card in accordance with the applicable law (hereinafter referred to as the “Depositor”).
2. As proof of account ownership, BCA will issue a TAPRES BCA card (hereinafter referred to as the “TAPRES Card“).
3. The TAPRES Card can be used by the Depositor to make a deposit, withdrawal, inhouse transfer, payment, and other transactions as may be determined by BCA (hereinafter referred to as the “Transaction”) through the teller counter, BCA ATM and/or other facilities as may be determined by BCA.
4. For a funds transfer Transaction between BCA accounts or to an account at another bank (interbank funds transfer Transaction) 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 BCA’s 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.

5. The TAPRES Card is issued only for the benefit of the Depositor and must not be transferred to other persons in any way. All consequences arising from any misuse of the TAPRES Card shall be the sole liability of the Depositor.
6. The TAPRES Card must not be used for purposes other than to conduct any of the Transactions.
7. Every time the Depositor uses the TAPRES Card, the Depositor will be requested to enter a Personal Identification Number (PIN) or put a signature (only for Certain Transactions on the Electronic Data Capture (EDC) machine at overseas merchants that only conduct transaction verification in the form of signatures). The Depositor must keep the confidentiality of the PIN and OTP (One Time Password) sent to the Depositor’s registered mobile number. The OTP is only required for certain transactions, including an online debit transaction for which the merchant requires the Depositor to enter the OTP. The Depositor must not disclose the Depositor’s PIN and/or OTP to any other persons. All consequences arising from any misuse of the PIN and/or OTP shall be the sole liability of the Depositor.
8. The use of the PIN on BCA ATMs, other banks’ ATMs among others through such networks as Prima and/or Cirrus, BCA Electronic Data Capture (EDC) machine, or another party's EDC machine through the Maestro network has the same legal force as a written instruction signed by the Depositor.
9. If the TAPRES Card is stolen or lost, the Depositor must immediately provide BCA with a written notice of such theft or loss. The notice must be made and signed by the Depositor in the form and substance satisfactory to BCA and submitted to a BCA branch office during BCA business hours. If the Depositor is unable to come to the BCA branch office, the notification can be made through HALO BCA.
10. Any notice of theft or loss of the TAPRES Card, whether submitted to a BCA branch office or provided via HALO BCA, will be followed by a blockage by BCA of the relevant account linked to the TAPRES Card. The blockage will remain effective until BCA receives a written request from the Depositor to release the blocked account and TAPRES Card. As long as the notice of theft or loss has not been received by BCA, any Transaction made using the stolen or lost TAPRES Card shall be the sole liability of the Depositor.
11. The written request to release the blocked account linked to the stolen or lost TAPRES Card can be submitted by the Depositor to a BCA branch office. BCA has the right to verify the identity of the Depositor when the Depositor requests the release of the blocked account linked to the stolen or lost TAPRES Card.
12. BCA will not process any Transaction involving the account whose TAPRES Card has been reported lost by the Depositor to BCA. To conduct Transactions again with the account linked to the TAPRES Card, the Depositor can apply for a replacement of the TAPRES Card at the BCA branch office issuing the stolen or lost TAPRES Card.
13. 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.
14. The Depositor is entitled to obtain a TAPRES BCA Account Activity Statement. If within 14 (fourteen) days after the TAPRES BCA Account Activity Statement is provided by BCA, the Depositor does not file any objection with a BCA branch office issuing the TAPRES Card, the Depositor is deemed to have accepted all the data contained in the TAPRES BCA Account Activity Statement.
15. The TAPRES BCA Account Activity Statement will be provided to the Depositor in the following manner:
• The TAPRES BCA Account Activity Statement is sent to the Depositor’s address.

If the TAPRES BCA Account Activity Statement has been sent to the Depositor’s address, but was returned to BCA, then:

• BCA will keep the TAPRES BCA Account Activity Statement for 3 (three) months from the date of its issuance. After the 3 (three) month period has elapsed, the relevant TAPRES BCA Account Activity Statement will be destroyed.
• In relation to the provision of item a above, if the TAPRES BCA Account Activity Statement is returned to BCA for any reason for 3 (three) consecutive months, BCA will cease sending the TAPRES BCA Account Activity Statement to the Depositor. If the Depositor wishes to have the TAPRES BCA Account Activity Statement sent again to the Depositor’s address, the Depositor may come to a BCA branch office designated by BCA to reapply for the sending of the TAPRES BCA Account Activity Statement to the Depositor.
• The TAPRES BCA Account Activity Statement is collected by the Depositor.

If the TAPRES BCA Account Activity Statement is not collected by the Depositor within 3 (three) months from the date of its issuance, the relevant TAPRES BCA Account Activity Statement will be destroyed. If the Depositor fails to collect the TAPRES BCA Account Activity Statement for 3 (three) consecutive months, the TAPRES BCA Account Activity Statement will no longer be issued until the Depositor reapplies for the issuance of the TAPRES BCA Account Activity Statement at a BCA branch office designated by BCA.

16. If the TAPRES BCA Account Activity Statement sent to the Depositor’s address is received by the Depositor in an opened or damaged condition, the Depositor must write a note 'opened or damaged' on the receipt for the TAPRES BCA Account Activity Statement. Furthermore, the Depositor must report such opened or damaged condition of the TAPRES BCA Account Activity Statement to the BCA branch office issuing the TAPRES Card by bringing such TAPRES BCA Account Activity Statement.
17. If there is a discrepancy between the balance in the TAPRES BCA account and the balance on record with BCA, the balance or records held by or recorded at BCA will prevail, unless proven otherwise.
18. Tapres 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.
19. The TAPRES BCA will be automatically closed by the system if the balance in the account is IDR 0 (zero rupiah), and no debit and credit transactions were made in said account for 12 (twelve) consecutive months.
20. The Depositor hereby authorizes BCA to provide the Depositor‘s data to any party other than BCA that has entered into a cooperation agreement with BCA, for promotional activities or other commercial purposes.
21. 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 TAPRES BCA account and paying the same to the rightful beneficiary(-ies) as specified in the documentation of heirship. Once the balance in the TAPRES 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 such account.
22. If the Depositor later applies for such facilities as m-BCA, KlikBCA, and/or other facilities associated with the TAPRES account, the Depositor hereby agrees to be bound by the terms and conditions of such m-BCA, KlikBCA, and/or other facilities associated with the TAPRES account used by the Depositor.
23. As long as the Depositor still has outstanding debts 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 arising from 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 TAPRES BCA account and apply the proceeds to repay any amounts at any time owing to BCA. Any consequences arising from the debiting of the TAPRES BCA account under the power granted by the Depositor shall be the sole responsibility of the Depositor.
24. 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.
25. The Depositor holds BCA harmless against all claims, lawsuits, and/or other legal proceedings and for any losses arising from the forgery of a TAPRES Card that is not caused by BCA’s fault.
26. BCA is not responsible for any damage to and/or failure of BCA ATMs and/or other facilities due to causes beyond BCA’s control.
27. The Depositor hereby acknowledges that all records, printouts, recordings, communication media, or other evidence of any nature held by BCA in connection with the electronic banking transactions conducted by the Depositor constitute valid and conclusive evidence binding on the Depositor, unless proven otherwise. The data connected with the electronic banking transactions conducted by the Depositor will be stored by BCA in accordance with the prevailing law.
28. All data connected with the TAPRES BCA Account will be held and stored by BCA in accordance with the prevailing law.
29. 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.
30. BCA offers products/services via personal communication channels. If the Depositor refuses to get such offer, the Depositor can contact Halo BCA at 1500888.
31. 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.
32. By opening the TAPRES BCA account, the Depositor is bound by and agrees to the terms and conditions applicable at BCA, including the provisions and rules governing all the services/facilities and transactions covered by the TAPRES Card. BCA may at any time amend any provisions and rules governing all the services/facilities and transactions covered by the TAPRES Card, and such amendment will be notified by BCA in any form and by any means in accordance with the prevailing law.

B. DEPOSITS AND WITHDRAWALS

1. The initial deposit must be at least Rp 5,000,000 (five million Rupiah) and the subsequent deposits must be at least Rp 50,000 (fifty thousand rupiah) or another amount as notified by BCA from time to time 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.
3. Deposits in forms of Cheques, Bilyet Giro, drafts, and other instruments of similar nature will be credited to the TAPRES 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 TAPRES 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 TAPRES 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 TAPRES 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 through the teller counter, the Depositor must produce the Depositor’s TAPRES Card to the BCA officer. To process the cash withdrawal or funds transfer transaction, BCA will use an Electronic Data Capture (EDC) machine.
9. Cash withdrawals or fund transfers by a person other than the Depositor himself/herself can only be made at the BCA branch office issuing the TAPRES Card 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.
10. If the signature on the Withdrawal Slip is different from the signature on the TAPRES Card and/or other supporting documents as may be required by BCA, BCA may refuse to process the Transaction or otherwise request the original identity card of the Depositor. If the Depositor is unable to produce the Depositor’s identity card to BCA, BCA reserves the right to hold the TAPRES Card for further examination until BCA is assured that the withdrawal is duly made by the authorized or correct Depositor or refuse to process the Depositor’s Transaction until the Depositor can produce the Depositor’s original identity card to BCA.
11. BCA has the right to request the Depositor to produce the Depositor’s original identity card to BCA when the Depositor makes cash withdrawals in a certain amount through the teller counter.

C. CALCULATION AND PAYMENT OF INTEREST

1. The TAPRES 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. PROCEDURE

Use of TAPRES Card

1. The TAPRES Card can be used by the Depositor to conduct the following transactions:
   • making deposits via a cash deposit machine;
   • making cash withdrawals through BCA ATMs, another bank’s ATMs, including ATMs with Prima and Cirrus networks;
   • making a funds transfer between BCA accounts and to other banks (inter-bank funds transfer) in Rupiah currency through BCA ATMs, and other banks’ ATMs using the Prima ATM network and other switching service provider networks;
   • making a remittance to a United States Dollar (USD) / Singapore Dollar (SGD) account through BCA ATMs in a currency determined by BCA;
   • paying various bills/installments and purchasing mobile credits through BCA ATMs;
   • making purchases with Debit BCA through BCA EDC machines and other parties' EDC machines via the Maestro network;
   • making cash withdrawals at merchants showing the “Tunai BCA” sticker; and/or
   • other transactions determined by BCA through the teller counter, BCA ATM and/or other means determined by BCA.
2. Below is the procedure or manual for using the TAPRES Card through ATMs.
   1. insert the TAPRES Card;
   2. enter the PIN. If the Depositor enters the wrong PIN 3 (three) times in a row, the TAPRES Card will be blocked. The Depositor can request BCA to unblock the TAPRES Card at a BCA branch office by taking the relevant TAPRES Card and the Depositor’s ID card to the bank officer;
   3. select the desired type of transaction.
3. Below is the procedure or manual for using the TAPRES Card on EDC machines.
   1. insert the TAPRES Card;
   2. check the transaction amount appearing on the screen of the EDC machine;
   3. enter your PIN. If the Depositor enters the wrong PIN 3 (three) times in a row, the TAPRES Card will be blocked. The Depositor can request BCA to unblock the TAPRES Card at a BCA Branch Office by taking the TAPRES Card and the Depositor’s original ID card to the bank officer;

Replacement of TAPRES Card

1. If the TAPRES Card is damaged, the Depositor can apply for a replacement of the TAPRES Card at the BCA branch office issuing the TAPRES Card.
2. If the Depositor requests a replacement for the Depositor’s TAPRES Card, the Depositor must show the damaged TAPRES Card to BCA.

Closure of TAPRES Account

If the Depositor wishes to close the Depositor’s TAPRES account, the Depositor must:

• Provide BCA with a written notice of the Depositor’s intention to close the TAPRES account
• Produce the Depositor’s TAPRES Card to the BCA branch office.

The Depositor will incur a closing fee when closing the TAPRES BCA account. The amount of the closing fee of the TAPRES BCA account will be notified by BCA to the Depositor in any form and by any means in accordance with the prevailing law.

E. COMPLAINTS HANDLING

1. Any complaints to BCA in connection with the TAPRES Card 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 (if necessary).
2. BCA will respond to such complaint in accordance with the prevailing law.
3. Any complaints relating to the TAPRES account must be lodged by the Depositor with BCA within no later than 3 (three) months of the Transaction date.

IMPORTANT: THE DEPOSITOR IS PROHIBITED FROM STORING OR LEAVING THE DEPOSITOR’S TAPRES CARD WITH BCA

These Terms and Conditions for Tabungan Prestasi (“TAPRES”) 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

ADDITIONAL TERMS & CONDITIONS

1. A Customer Funds Account (Rekening Dana Nasabah) cannot be opened with a joint account status.
2. For a Customer Funds Account in the form of a savings account, BCA does not issue or provide proof of ownership for the owner of the Customer Funds Account such as a passbook or a PASPOR BCA Card.
3. All transactions on the Customer Funds Account can only be made:
   1. through KlikBCA and/or other facilities as may be determined by BCA; and
   2. by a Securities Company or a Custodian Bank that has been authorized by the owner of the Customer Funds Account to manage the Customer Funds Account.

BCA may credit funds to the Customer Funds Account through KlikBCA, teller counter, and/or any other facility as may be determined by BCA, which will be notified by BCA to the owner of the Customer Funds Account in any form and by any means.

4. The owner of the Customer Funds Account can only make inquiries or check the balance and transaction history of the Customer Funds Account through the facility provided by PT Kustodian Sentral Efek Indonesia and/or any other facilities as may be determined by BCA, which will be notified by BCA to the owner of the Customer Funds Account in any form and by any means.
5. BCA has the right to reject any instruction given by the owner of the Customer Funds Account as long as BCA has not received a letter concerning the revocation of the authority to manage the Customer Funds Account from the owner of the Customer Funds Account that has been approved in writing by the Securities Company or Custodian Bank.
6. The Customer Funds Account can only be closed:
   1. by the owner of the Customer Funds Account subject to the written approval of the Securities Company or Custodian Bank; or
   2. by the Securities Company or Custodian Bank to which the owner of the Customer Funds Account has granted the authority to manage the Customer Funds Account.

The closure of the Customer Funds Account is done through the Securities Company or Custodian Bank to which the owner of the Customer Funds Account has granted the authority to manage the Customer Funds Account.

7. Based on certain considerations, BCA has the right to reject the application for the opening and or closure of the Customer Funds Account.
8. The owner of the Customer Funds Account is fully responsible for all consequences arising in connection with the management of the Customer Funds Account by the Securities Company or Custodian Bank and hereby holds BCA harmless against all claims, demands, lawsuits, and/or other legal proceedings in any form brought by any party including the owner of the Customer Funds Account.
9. All disputes arising from the management of the Customer Funds Account by the Securities Company or Custodian Bank will be resolved by the owner of the Customer Funds Account with the Securities Company or Custodian Bank without involving BCA.
10. These Additional Terms & Conditions for Owners of BCA Customer Funds Accounts constitute an integral and inseparable part of the Terms and Conditions for Tabungan Prestasi (“TAPRES”) of PT Bank Central Asia Tbk (BCA) and or other provisions related to Customer Funds Accounts.

BCA has provided sufficient explanation and sought the Customer’s confirmation of his/her understanding of the benefits, charges and fees, and risks associated with such BCA product.

11. In the event of any discrepancy and/or inconsistency between these Additional Terms & Conditions for Owners of BCA Customer Funds Accounts and the provisions described in item 10 above, these Additional Terms & Conditions for Owners of BCA Customer Funds Accounts shall prevail.
12. The Owner of the Customer Funds Account hereby agrees to be bound by these Additional Terms & Conditions for Owners of BCA Customer Funds Accounts, the provisions described in item 10 above, the provisions concerning the Customer Funds Account e-Statements, and any other provisions applicable at BCA in connection with the opening of the Customer Funds Account. BCA has the right to change such terms and conditions, and such change will be notified by BCA in any form and by any means in accordance with the prevailing law.

These Additional Terms & Conditions for Owners of BCA Customer Funds Accounts 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