Important Information

Simulation Point Calculation

1. Simulation of Gebyar Points collection based on the calculation of Average Balance and Average Balance Increase:

   Account	Average Balance per Month
   	May	June	July	August
   Account A	IDR500,000.00	IDR1,000,000.00	IDR750,000.00	IDR1,000,000.00
   Account B	IDR2,000,000.00	IDR2,000,000.00	IDR1,700,000.00	IDR1,500,000.00
   Total Average Balance	IDR2,500,000.00	IDR3,000,000.00	IDR2,450,000.00	IDR2,500,000.00

   The Gebyar Points earned by the Customer are as follows:

   Month	Remarks	Points
   May	Points have not been calculated yet	-
   June	Average Balance in May	20
   July	Average Balance in June	30
   	Average Balance Increase from May to June	5
   August	Average Balance in July	20
   	Average Balance Increase from June to July	0
   September	Average Balance in August	20
   	Average Balance Increase from July to August	0
   Total Gebyar Points from Average Balance and Average Balance Increase		95

2. Simulation of Gebyar Points collection based on the calculation of Transactions:

   Month	Remarks	Points
   May	Credit Card payment of IDR5,000,000 through myBCA, using fund source Account A	2
   June	Groceries purchase of IDR1,000,000 through myBCA using QRIS, using fund source Account B	2
   July	Purchase of mobile phone credit of IDR500,000 through m-BCA on BCA mobile, using fund source Account B	1
   August	Payment of electricity bill IDR300,000 through ATM using fund source Account A	1
   Total Gebyar Points by Transaction		6

   Total Gebyar Points during the Program Period is 101 Gebyar Points.

TERMS AND CONDITIONS FOR GEBYAR HADIAH BCA LUCKY DRAW PROGRAM
(PERIOD: 1 MAY 2024 – 31 AUGUST 2024)

A. GENERAL

1. Any customer that has Tahapan BCA, Tahapan Gold BCA, and/or Tahapan Xpresi BCA accounts ("Customer") is eligible to participate in the Gebyar Hadiah BCA Lucky Draw Program ("Lucky Draw Program"), which is held by BCA from 1 May 2024 to 31 August 2024 ("Lucky Draw Program Period").
2. The Lucky Draw Program will be implemented in accordance with these Terms and Conditions for Gebyar Hadiah BCA Lucky Draw Program ("Terms and Conditions") and other provisions established by BCA and to be notified by BCA to the Customer in any form and through any means according to applicable law.
3. BCA reserves the right to terminate or cancel the Customer's participation in the Lucky Draw Program, among other things, if:
   1. the Customer violates and/or fails to comply with these Terms and Conditions, whether in part or in whole.
   2. the Customer is suspected of engaging in fraudulent activities in their participation in the Lucky Program; or
   3. the Customer commits a criminal act or any action that violates applicable law.

B. POINTS COLLECTION AND WINNER DRAW

1. The Customer can collect lucky draw points ("Gebyar Points") during the Lucky Draw Program Period.
2. The Customer will earn Gebyar Points based on:
   
   1. the total average monthly balance across all of the Customer’s Tahapan BCA, Tahapan Gold BCA, and/or Tahapan Xpresi BCA accounts ("Accounts");
   2. the increase in the total average monthly balance across all Accounts compared to the total average monthly balance of the previous month; and
   3. the banking transactions conducted by the Customer on the Accounts;
   subject to the following provisions:

   No	Condition	Description	Total Gebyar Points Earned
   1	Average Balance	A total average monthly balance of IDR1,000,000,00 (one million rupiah) across all of the Customer’s Accounts (multiples apply).	10
   2	Average Balance Increase	An increase in the total average monthly balance across all of the Customer’s Accounts compared to the total average monthly balance of the previous month for each multiple of IDR500,000,00 (five hundred thousand rupiah).	5
   Notes: Gebyar Points from the Average Balance and the Average Balance Increase will be obtained by the Customer at the beginning of the following month. Gebyar Points from the Average Balance Increase will start to accumulate starting from the balance increase in June 2024 compared to May 2024 (the points will be credited in July 2024).

   Type of Transaction	Description	Total Gebyar Points Earned
   QRIS Payment (including Paylater transactions using QRIS)	A minimum transaction amount of IDR100,000,00 (one hundred thousand rupiah) (multiples do not apply)	1
   Payment with Debit BCA
   Payment
   Purchase
   Transfer to BCA Virtual Account (except for top-ups to electronic money accounts and transfers to other banks).
   Note: Transactions using myBCA will earn double Gebyar Points.

   The following illustrates how Gebyar Points earned by the Customer are calculated:

   1. Simulation of Gebyar Points earned based on Average Balance and Average Balance Increase

      Account	Average Monthly Balance
      	May	June	July	August
      Account A	IDR500,000,00	IDR1,000,000,00	IDR750,000,00	IDR1,000,000,00
      Account B	IDR2,000,000,00	IDR2,000,000,00	IDR1,700,000,00	IDR1,500,000,00
      Total Average Balance	IDR2,500,000,00	IDR3,000,000,00	IDR2,450,000,00	IDR2,500,000,00

      Based on the above information, the Customer will earn Gebyar Points as follows:

      Crediting Month	Description	Total Gebyar Points Earned
      May	Point calculation has not started	-
      June	Average Balance for May	20
      July	Average Balance for June	30
      	Average Balance Increase from May to June	5
      August	Average Balance for July	20
      	Average Balance Increase from June to July	0
      September	Average Balance for August	20
      	Average Balance Increase from July to August	0
      Total Gebyar Points Earned by the Customer from both Average Balance and Average Balance Increase		95

   2. Simulation of Gebyar Points earned based on Transactions:

      Crediting Month	Description	Total Gebyar Points Earned
      May	Credit Card Payment via myBCA in the amount of IDR5,000,000,00 with the source of transaction funds from Account A	2
      June	Purchase of groceries in the amount of IDR1,000,000,00 with QRIS via myBCA, with the source of transaction funds from Account B	2
      July	Purchase of mobile credit in the amount of IDR500,000,00 via m-BCA on BCA mobile, with the source of transaction funds from Account B	1
      August	Payment of an electricity bill in the amount of IDR300,000,00 via an ATM, with the source of transaction funds from Account A	1
      Total Gebyar Points Earned from Transactions		6

      The total Gebyar Points earned during the Program Period is 101 Gebyar Points.

3. For Accounts with the status of "Joint Account" with "OR" and "AND", Gebyar Points earned will be credited to the Customer whose name appears first among the names of the Account owners.
4. The Customer can check their accumulated Gebyar Points through the Customer’s myBCA and
   m-BCA on BCA mobile and Halo BCA starting from June 2024 until the end of the Lucky Draw Program Period.
5. The Customer is required to earn Gebyar Points through fair actions and methods. If BCA determines that Gebyar Points have been obtained by the Customer through unfair actions and methods, BCA reserves the right to cancel the Customer's participation in the Lucky Draw Program.
6. After the end of the Lucky Draw Program Period as specified in point A.1 of these Terms and Conditions, BCA will convert the Gebyar Points earned by the Customer into lucky draw coupons. One Gebyar Point is equivalent to one lucky draw coupon.
7. The Customer can check information regarding lucky draw coupons through the Customer’s myBCA and m-BCA on BCA mobile after the Lucky Draw Program Period ends.
8. BCA reserves the right to disqualify the Customer’s lucky draw coupons if all of their Accounts are closed before the lucky draw takes place. However, if the Customer closes one of their Accounts before the lucky draw takes place but still has at least 1 (one) Account remaining unclosed, the lucky draw coupons obtained from the closed Account will remain eligible for the lucky draw.
9. BCA will conduct the lucky draw in September 2024 to determine the winners of the prizes offered in the Lucky Draw Program ("Prizes"). The drawing process to determine the Prize winners ("Prize Winners") will be conducted publicly through the methods determined by BCA, which will be notified by BCA to the Customer according to applicable law.
10. Information about the Prize Winners will be communicated by BCA on Customer’s m-BCA on BCA mobile and myBCA and BCA's official communication channels determined by BCA.
11. The Prizes to be awarded to the Prize Winners are as follows:
    
    1. 5 (five) units of Mercedes-Benz CLA 200 AMG Line;
    2. 12 (twelve) units of Mercedes-Benz A200 Sedan Progressive Line;
    3. 70 (seventy) units of Vespa LX125.
    The colors of the Prizes as specified in the promotional materials issued by BCA are not binding.
    If the colors of the Prizes specified in the promotional materials issued by BCA are not available, BCA reserves the right to replace them with other available colors.
12. The Prizes referred to in point B.12 of these Terms and Conditions will be awarded to Prize Winners in their off-the-road condition.
13. Each Customer is entitled to only 1 (one) Prize, and the Prizes cannot be exchanged for cash.
14. The decision on the Prize Winners is final and cannot be contested.
15. The Lucky Draw Program does not apply to BCA employees, including members of the Board of Directors, members of the Board of Commissioners of BCA, and immediate family members of the Board of Directors and Board of Commissioners of BCA.

C. PRIZE PRESENTATION

1. The Prize Winner must contact Halo BCA (1500888) to claim their Prize no later than 7 (seven) calendar days from the date of the Prize Winner announcement.
2. BCA has the right to verify the identity of the Prize Winner that contacts BCA to claim the Prize. If the Prize Winner cannot be successfully verified by BCA, BCA reserves the right not to present the Prize to the Prize Winner.
3. The Prize Winner must collect the Prize in person within no later than 30 (thirty) calendar days from the date of the Prizes draw at the vehicle dealer appointed by BCA or other locations specified by BCA by bringing a Cover Letter and other documents required by BCA for the purpose of collecting the Prize.
4. The Prize Winner is not permitted to transfer their rights to the Prize to any other party.
5. If the Prize Winner is unable to personally collect the Prize, BCA reserves the right to request a power of attorney/a letter from the Prize Winner issued to a party appointed to represent the Prize Winner to collect the Prize. BCA reserves the right to refuse to present the Prize to any party that cannot be verified by BCA as the Prize Winner or their legitimate agent in accordance with the provisions applicable at BCA.
6. Tax on the Prizes shall be borne by BCA.
7. The Prize Winner shall bear the following fees and costs:
   • Fees for vehicle ownership registration, the Motor Vehicle Ownership Certificate, the License Plate, the Vehicle Registration Certificate, and the Motor Vehicle Tax; and
   • Any other costs and expenses incurred upon receiving the Prize.
8. If the Prize Winner fails to contact Halo BCA (1500888) within the period specified in point C.1 of these Terms and Conditions, if the Prize Winner is not successfully verified by BCA according to the provisions applicable at BCA, or if the Prize Winner fails to collect the Prize until the expiration of the period specified in point C.3 of these Terms and Conditions, the Prize will be treated as Unclaimed Prize, and BCA reserves the right to present the Unclaimed Prize to the competent authority according to applicable law. The Prize Winner may not make any claim or demand against BCA for any Unclaimed Prize after the expiration of the prescribed period.

D. MISCELLANEOUS

1. If there is a discrepancy between the data held by the Customer and the data held by BCA in connection with the Lucky Draw Program, the data held by BCA shall prevail, unless proven otherwise by the Customer.
2. BCA has the right to amend, supplement, or replace these Terms and Conditions, and it will be notified to the Customer in any form and through any means according to applicable law.
3. In conducting the Lucky Draw Program, BCA does not charge any fees to the Customer participating in the Lucky Draw Program, other than the fees and costs specified as the responsibility of the Prize Winner as referred to in point C.7 of these Terms and Conditions, nor does BCA request any personal data from the Customer, except for the purpose of verifying the Prize Winner, as stated in point C.2 of these Terms and Conditions.
4. In the event of force majeure, BCA reserves the right to:
   1. suspend or terminate the implementation of the Lucky Draw Program;
   2. postpone or cancel the awarding of the Prize to the Prize Winner; and/or
   3. change the Lucky Draw Program Period.
5. The implementation of the Lucky Draw Program and these Terms and Conditions shall be subject to the prevailing law of the Republic of Indonesia.
6. If a dispute arises in connection with the implementation of the Lucky Draw Program and/or the interpretation and implementation of these Terms and Conditions, the Customer and BCA will first attempt to resolve the dispute amicably to reach a consensus. Any dispute or difference of opinion that cannot be amicably resolved between the Customer and BCA shall be resolved through banking facilitation at Bank Indonesia or the Financial Services Authority or through mediation by an Alternative Dispute Resolution Institution included in the List of Alternative Dispute Resolution Institutions determined by the Financial Services Authority (OJK). If the dispute cannot be resolved in amicable manner through banking facilitation and/or the mediation described in Point I.2 above, the Customer hereby agrees to resolve the dispute through the District Court of Central Jakarta, without prejudice to BCA's right to file a lawsuit or claim through another District Court within the territory of the Republic of Indonesia.

These Terms and Conditions for Gebyar Hadiah BCA Lucky Draw Program have been established in compliance with prevailing laws and regulations, including Regulations of the Financial Services Authority