TERMS AND CONDITIONS FOR BCA DOLLAR ACCOUNT
PT BANK CENTRAL ASIA Tbk (“BCA”)

A. GENERAL TERMS AND CONDITIONS

1. BCA Dollar Account Depositor means an adult individual that owns a valid identity card (Resident Identity Card (KTP)/Driver’s License (SIM)/Passport) (hereinafter referred to as the “Depositor”).
2. A Prospective Depositor of foreign nationality (WNA) that does not own a Limited Stay Permit Card (KITAS) or Permanent Stay Permit (KITAP) may open a BCA Dollar account, subject to the following conditions:
   1. When applying for the opening of a BCA Dollar account, the prospective Depositor is not a BCA customer;
   2. The prospective Depositor must submit certain additional documents as required by BCA;
   3. The prospective Depositor may have only 1 (one) BCA Dollar account;
   4. The prospective Depositor must maintain the balance of his/her BCA Dollar account at any time not to exceed USD 50,000 (fifty thousand United States Dollars) or equivalent or any other amount as may be notified by BCA in any form and by any means in accordance with the prevailing law. BCA reserves the right to block the funds credited to the Depositor’s BCA Dollar account (no credit) if the balance of the Depositor’s BCA Dollar account exceeds the prescribed maximum limit and ask the Depositor to provide BCA with additional documents for the purpose of Customer Due Diligence (CDD).
3. As proof of account ownership, BCA will issue a BCA Dollar card (hereinafter referred to as the “BCA Dollar Card”).
4. The BCA Dollar Card can be used by the Depositor to make a deposit, withdrawal, inhouse transfer, 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.
5. For a funds transfer transaction between BCA accounts or to an account at another bank (interbank funds transfer) through BCA’s electronic banking facility, the Depositor hereby authorizes BCA to display the Depositor’s name and/or account number on the screen of BCA’s electronic banking facility.

The display of the name and/or account number as described above is intended as a means of seeking confirmation from the remitting customer to minimize the possibility of the remitting customer making a wrong transfer.

6. The BCA Dollar 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 BCA Dollar Card shall be the sole liability of the Depositor.
7. The BCA Dollar Card must not be used for purposes other than to conduct any of the Transactions.
8. Every time the Depositor use the BCA Dollar Card, the Depositor must enter a Personal Identification Number (PIN). The Depositor must keep the confidentiality of the PIN and must not disclose his/her PIN to other persons. All consequences arising from any misuse of the PIN shall be the sole liability of the Depositor.
9. The use of the PIN on BCA ATMs or any other facilities as determined by BCA has the same legal force as a written order signed by the Depositor.
10. If the BCA Dollar 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.
11. Any notice of theft or loss of the BCA Dollar 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 BCA Dollar Card. The blockage will remain effective until BCA receives a written request from the Depositor to release the blocked account and the BCA Dollar Card. As long as the notice of theft or loss has not been received by BCA, any Transaction made using the stolen or lost BCA Dollar Card shall be the sole liability of the Depositor.
12. The written request to release the blocked account linked to the stolen or lost BCA Dollar 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 BCA Dollar Card.
13. BCA will not process any Transaction involving the account whose BCA Dollar Card has been reported lost by the Depositor to BCA. To conduct Transactions again with the account linked to the BCA Dollar Card, the Depositor can apply for a replacement of the BCA Dollar Card at the BCA branch office issuing the stolen or lost BCA Dollar Card.
14. 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.
15. The Depositor is entitled to obtain a BCA Dollar Account Activity Statement. If within 14 (fourteen) days after the BCA Dollar Account Activity Statement is provided by BCA, the Depositor does not file any objection with a BCA branch office issuing the BCA Dollar Card, the Depositor is deemed to have accepted all the data contained in the BCA Dollar Account Activity Statement.
16. The BCA Dollar Account Activity Statement will be provided to the Depositor in the following manner:
    1. The BCA Dollar Account Activity Statement is sent to the Depositor’s address.

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

    • In relation to the provision of item a above, if the BCA Dollar Account Activity Statement is returned to BCA for any reason for 3 (three) consecutive months, BCA will cease sending the BCA Dollar Account Activity Statement to the Depositor. If the Depositor wishes to have the BCA Dollar 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 BCA Dollar Account Activity Statement to the Depositor.
    • BCA will keep the BCA Dollar Account Activity Statement for 3 (three) months from the date of its issuance. After the 3 (three) month period has elapsed, the relevant BCA Dollar Account Activity Statement will be destroyed.
    2. The BCA Dollar Account Activity Statement is collected by the Depositor.
       • If the BCA Dollar Account Activity Statement is not collected by the Depositor within 3 (three) months from the date of its issuance, the relevant BCA Dollar Account Activity Statement will be destroyed. If the Depositor fails to collect the BCA Dollar Account Activity Statement for 3 (three) consecutive months, the BCA Dollar Account Activity Statement will no longer be issued until the Depositor reapplies for the issuance of the BCA Dollar Account Activity Statement at a BCA branch office designated by BCA.
17. If the BCA Dollar 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 BCA Dollar Account Activity Statement. Furthermore, the Depositor must report such opened or damaged condition of the BCA Dollar Account Activity Statement to the BCA branch office issuing the BCA Dollar Card by bringing such BCA Dollar Account Activity Statement.
18. If there is a discrepancy between the balance in the BCA Dollar account and the balance on record with BCA, the balance or records held by or recorded at BCA will prevail, unless proven otherwise.
19. The Depositor must pay all charges and fees for the issuance and/or use of the BCA Dollar Card, including but not limited to the BCA Dollar Card production/replacement fee, 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 according to the applicable law. Such charges and fees will be debited directly by BCA from the Depositor’s account.

20. The BCA Dollar 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.
21. The Depositor must notify BCA in writing of any changes to the Depositor’s data.
22. 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.
23. 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 BCA Dollar account and paying the same to the rightful beneficiary(-ies) as specified in the documentation of heirship. Once the balance in the BCA Dollar 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.
24. If the Depositor later applies for such facilities as m-BCA, KlikBCA, and/or other facilities associated with the BCA Dollar 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 BCA Dollar account used by the Depositor.
25. 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 BCA Dollar account and apply the proceeds to repay any amounts at any time owing to BCA. Any consequences arising from the debiting of the BCA Dollar account under the power granted by the Depositor shall be the sole responsibility of the Depositor.
26. 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.
27. The Depositor holds BCA harmless against all claims, lawsuits, and/or other legal proceedings and for any losses arising from the forgery of a BCA Dollar Card that is not caused by BCA’s fault.
28. BCA shall not be responsible for any damage to and/or failure of BCA ATMs and/or other facilities due to causes beyond BCA’s control.
29. 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.
30. All data connected with the BCA Dollar account will be held and stored by BCA in accordance with the prevailing law.
31. 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.

32. BCA offers products/services via personal communication channels. If the Depositor refuses to get such offer, the Depositor can contact Halo BCA.
33. 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.
34. By opening the BCA Dollar 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 BCA Dollar Card. BCA may at any time amend any provisions and rules governing all the services/facilities and transactions covered by the BCA Dollar 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 USD 100.- (one hundred United States Dollars) for an account denominated in USD (United States Dollar) and at least SGD 200.- (two hundred Singapore Dollars) for an account denominated in SGD (Singapore Dollar), or at least USD 2,000.- (two thousand United States Dollars) or equivalent (for Depositors of foreign nationality that does not hold the KITAS/KITAP).

BCA has the right to amend the provisions concerning such minimum initial deposit amount from time to time, and such amendment 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 at the teller counter during BCA business hours.
3. Deposits are made using the Deposit Slips provided and can be made at any BCA foreign exchange branch office that accepts BCA Dollar transactions.
4. Deposits in the form of foreign currency banknotes that exceed the maximum amount determined by BCA will be subject to commission, which will be charged in accordance with the provisions applicable at BCA.
5. Any deposit made in a different currency from the currency of the BCA Dollar account will be converted into the currency of the BCA Dollar account by using the exchange rate applicable at BCA. Any losses arising from the deposit due to currency devaluation/depreciation shall be the full responsibility of the Depositor.
6. Deposits in forms of Cheques, Bilyet Giro, drafts, and other instruments of similar nature will be credited to the BCA Dollar account once the amounts are received by BCA in good funds, and this provision also applies to all incoming remittances.
7. 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.
8. 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, including but not limited to the currency devaluation/depreciation of the instrument that is still in the process of collection or transfer, shall be the sole responsibility of the Depositor.

9. Cash withdrawals or funds transfer from the BCA Dollar account can be made at any time through the teller counter during BCA business hours or through BCA ATMs and/or other facilities as may be determined by BCA. For cash withdrawals in United States Dollar (USD) banknotes from a BCA Dollar account denominated in United States Dollar, the Depositor can make the withdrawals at the BCA branch office where the BCA Dollar account is opened or at another BCA branch office designated by BCA or, if BCA amends the relevant provisions, according to the successor provisions, which will be notified by BCA in any form and by any means in accordance with the prevailing law.
10. Whenever the Depositor makes a cash withdrawal or a funds transfer through the teller counter, the Depositor must produce his/her BCA Dollar Card to the BCA officer. To process the cash withdrawal or funds transfer transaction, BCA will use an Electronic Data Capture (EDC) machine.
11. Any cash withdrawal or funds transfer in a different currency from the currency of the BCA Dollar account will be processed according to the exchange rate applicable at BCA.
12. 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 BCA Dollar 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.
13. If the signature on the Withdrawal Slip is different from the signature on the BCA Dollar 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 his/her identity card to BCA, BCA reserves the right to hold the BCA Dollar 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 his/her original identity card to BCA.
14. BCA has the right to request the Depositor to show his/her original identity card when the Depositor makes cash withdrawals in a certain amount through the teller counter.

C. CALCULATION AND PAYMENT OF INTEREST

1. The BCA Dollar account pays interest calculated based on the monthly average balance in the relevant month.
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 BCA Dollar 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 BCA Dollar Card

1. The BCA Dollar Card can be used by the Depositor to conduct the following transactions:
   1. cash withdrawals in Rupiah on BCA ATMs;
   2. funds transfer between BCA accounts through BCA ATMs in the currency determined by BCA;
   3. other transactions as may be determined by BCA through the teller counter, BCA ATM and/or other facilities determined by BCA.
2. Below is the procedure or manual for using the BCA Dollar Card through BCA ATMs.
   1. insert the BCA Dollar Card;
   2. enter the PIN. If the Depositor enters the wrong PIN 3 (three) times in a row, the BCA Dollar Card will be blocked. The Depositor can request BCA to unblock the BCA Dollar Card at a BCA branch office by taking the relevant BCA Dollar Card and his/her ID card to the bank officer;
   3. select the desired type of transaction.

Replacement of BCA Dollar Card

1. If the BCA Dollar Card is damaged, the Depositor can apply for a replacement at the BCA branch office issuing the BCA Dollar
2. If the Depositor requests a replacement for his/her BCA Dollar Card, the Depositor must show the damaged BCA Dollar Card to BCA.

Closure of BCA Dollar Account

If the Depositor wishes to close the BCA Dollar account, the Depositor must:

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

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

Complaints Handling

1. Any complaints to BCA in connection with the use of the BCA Dollar 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 BCA Dollar 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 BCA DOLLAR CARD WITH BCA

The Depositor hereby confirms that the Depositor fully understands and agrees to the Terms and Conditions for BCA Dollar Account of PT BANK CENTRAL ASIA Tbk ("BCA") as described above and that BCA has provided sufficient explanation and sought the Depositor’s confirmation of his/her understanding of the benefits, charges and fees, and risks associated with the BCA Dollar account.

These Terms and Conditions for BCA Dollar Account 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