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
   	October	November	December	January
   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
   October	Points have not been calculated yet	-
   November	Average Balance in October	20
   December	Average Balance in November	30
   	Average Balance Increase from October to November	5
   January	Average Balance in December	20
   	Average Balance Increase from November to December	0
   February	Average Balance in January	20
   	Average Balance Increase from December to January	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
   October	Credit Card payment of IDR5,000,000 through myBCA, using fund source Account A	2
   November	Groceries purchase of IDR1,000,000 through myBCA using QRIS, using fund source Account B	2
   December	Purchase of mobile phone credit of IDR500,000 through m-BCA on BCA mobile, using fund source Account B	1
   January	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 PROGRAM
(PERIOD 1 OCTOBER 2024 - 31 JANUARY 2025)

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 Program ("Program"), which is held by BCA from 1 October 2024 to 31 January 2025 ("Program Period").
2. The Program will be implemented in accordance with these Terms and Conditions for Gebyar Hadiah BCA 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 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 Program; or
   3. the Customer commits a criminal act or any action that violates applicable law.

B. POINTS COLLECTION AND PRIZE RAFFLE

1. The Customer can collect points ("Gebyar Points") during the 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 Rp1.000.000,00 (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 Rp500.000,00 (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 November 2024 compared to October 2024 (the points will be credited in December 2024).

      Type of Transaction	Description	Total Gebyar Points Earned
      QRIS Payment (including Paylater transactions using QRIS)	A minimum transaction amount of Rp100.000,00 (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:
      A. Simulation of Gebyar Points earned based on Average Balance and Average Balance Increase

      Account	Average Monthly Balance
      	October	November	December	January
      Account A	Rp500.000,00	Rp1.000.000,00	Rp750.000,00	Rp1.000.000,00
      Account B	Rp2.000.000,00	Rp2.000.000,00	Rp1.700.000,00	Rp1.500.000,00
      Total Average Balance	Rp2.500.000,00	Rp3.000.000,00	Rp2.450.000,00	Rp2.500.000,00

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

      Crediting Month	Description	Total Gebyar Points Earned
      October	Point calculation has not started	-
      November	Average Balance for October	20
      December	Average Balance for November	30
      	Average Balance Increase from October to November	5
      January	Average Balance for December	20
      	Average Balance Increase from November to December	0
      February	Average Balance for January	20
      	Average Balance Increase from December to January	0
      Total Gebyar Points Earned by the Customer from both Average Balance and Average Balance Increase		95

      B. Simulation of Gebyar Points earned based on Transactions:

      Crediting Month	Description	Total Gebyar Points Earned
      October	Credit Card Payment via myBCA in the amount of Rp5.000.000,00 with the source of transaction funds from Account A	2
      November	Purchase of groceries in the amount of Rp1.000.000,00 with QRIS via myBCA, with the source of transaction funds from Account B	2
      December	Purchase of mobile credit in the amount of Rp500.000,00 via m-BCA on BCA mobile, with the source of transaction funds from Account B	1
      January	Payment of an electricity bill in the amount of Rp300.000,00 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. In addition to obtaining Gebyar Points based on the provisions as set out in B.2 of these Terms and Conditions, the Customer can also obtain Gebyar Points by participating in the Pilih Gacha Berhadiah game in m-BCA on BCA mobile, mobile version of myBCA, and website version of myBCA.
4. 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.
5. The Customer can check their accumulated Gebyar Points through the Customer’s myBCA and
   m-BCA on BCA mobile and Halo BCA during the Program.
6. 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 Program.
7. After the end of the Program Period as specified in point A.1 of these Terms and Conditions, BCA will convert the Gebyar Points earned by the Customer into coupons. One Gebyar Point is equivalent to one coupon.
8. The Customer can check information regarding coupons through the Customer’s myBCA and m-BCA on BCA mobile after the Program Period ends.
9. BCA reserves the right to disqualify the Customer’s coupons if all of their Accounts are closed before the prize raffle takes place. However, if the Customer closes one of their Accounts before the prize raffle takes place but still has at least 1 (one) Account remaining unclosed, the coupons obtained from the closed Account will remain eligible for the prize raffle.
10. BCA will conduct the prize raffle in February 2025 to determine the recipient of the prizes offered in the Program ("Prizes"). The prize raffle process to determine the Prize recipient ("Prize Recipient") will be conducted publicly through the methods determined by BCA, which will be notified by BCA to the Customer according to applicable law.
11. Information about the Prize Recipient will be communicated by BCA on Customer’s m-BCA on BCA mobile and myBCA and BCA's official communication channels determined by BCA.
12. The Prizes to be awarded to the Prize Recipient are as follows:
    1. 4 (four) units of The All New Mercedes-Benz E 200 Exclusive Line;
    2. 12 (twelve) units of Toyota Innova Zenix 2.0 Q HEV CVT TSS Modellista;
    3. 120 (one hundred and twenty) units of Honda Vario 125 CBS ISS.
       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.
13. The Prizes referred to in point B.12 of these Terms and Conditions will be given to Prize Recipient in their off-the-road condition.
14. Each Customer is entitled to only 1 (one) Prize, and the Prizes cannot be exchanged for cash.
15. The decision on the Prize Recipient is final and cannot be contested.
16. The 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 Recipient must contact Halo BCA (1500888) to claim their Prize no later than 7 (seven) calendar days from the date of the Prize Recipient announcement.
2. BCA has the right to verify the identity of the Prize Recipient that contacts BCA to claim the Prize. If the Prize Recipient cannot be successfully verified by BCA, BCA reserves the right not to present the Prize to the Prize Recipient.
3. The Prize Recipient must collect the Prize in person within no later than 30 (thirty) calendar days from the date of the Prizes raffle 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 Recipient is not permitted to transfer their rights to the Prize to any other party.
5. If the Prize Recipient is unable to personally collect the Prize, BCA reserves the right to request a power of attorney/a letter from the Prize Recipient issued to a party appointed to represent the Prize Recipient 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 Recipient 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 Recipient 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 Recipient fails to contact Halo BCA (1500888) within the period specified in point C.1 of these Terms and Conditions, if the Prize Recipient is not successfully verified by BCA according to the provisions applicable at BCA, or if the Prize Recipient 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 Recipient 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 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 Program, BCA does not charge any fees to the Customer participating in the Program, other than the fees and costs specified as the responsibility of the Prize Recipient 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 Recipient, 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 Program;
   2. postpone or cancel the awarding of the Prize to the Prize Recipient; and/or
   3. change the Program Period.
5. The implementation of the 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 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 Program have been adjusted in compliance with prevailing laws and regulations, including Regulations of the Financial Services Authority

E. TERMS AND CONDITIONS FOR PILIH GACHA BERHADIAH GAME

1. The Customer can play the ‘pilih gacha berhadiah’ game on the Gebyar Hadiah BCA page on m-BCA in the BCA mobile app, the mobile version of myBCA, and the website version of myBCA ("Pilih Gacha Berhadiah") and has the opportunity to win certain prizes in the form of items and/or vouchers from BCA’s partners ("Gacha Prizes").
2. The Customer can play Pilih Gacha Berhadiah by exchanging 2 (two) Gebyar Points for 1 (one) attempt. The Customer will automatically receive 3 (three) Gebyar Points each time the Customer plays Pilih Gacha Berhadiah.
3. When playing Pilih Gacha Berhadiah, the Customer can choose to play either 1 (one) attempt or 5 (five) attempts.
4. The Customer can play Pilih Gacha Berhadiah up to 10 (ten) attempts each day.
5. The Customer can continuously play Pilih Gacha Berhadiah as long as the Customer still has sufficient Gebyar Points, subject to the daily limit specified in point 4 above.
6. For each play, the Customer can select gacha berhadiah based on the Customer's preference.
7. The Customer can view the history of Gacha Prizes that the Customer has won during the Gebyar Hadiah BCA program period on the "Hadiahmu" menu on the Gebyar Hadiah BCA page.
8. The Customer that wins Gacha Prizes in the form of vouchers can directly use them on the app/website of BCA’s partners collaborating with BCA. The use of such Gacha Prizes is subject to the terms and conditions set by the relevant BCA partners collaborating with BCA. Gacha Prizes in the form of vouchers that have been used cannot be reused.
9. Taxes on Gacha Prizes will be borne by BCA.
10. The Customer must follow the instructions in the "Hadiahmu" menu to claim Gacha Prizes in the form of items. Shipping costs for Gacha Prizes in the form of items to the Customer's location as well as any platform fees shall be borne by the Customer.
11. The use of Gacha Prizes that have been claimed by the recipient is the sole responsibility of the Customer.
12. The Gacha Prizes available to Gacha Prize recipients are as follows:
    1. 5,000 (five thousand) Indomaret i-Vouchers worth Rp100,000 (one hundred thousand rupiah) each;
    2. 5,000 (five thousand) Alfamart Vouchers worth Rp100,000 (one hundred thousand rupiah) each;
    3. 2,100 (two thousand one hundred) Grab Vouchers worth Rp150,000 (one hundred fifty thousand rupiah) each;
    4. 700 (seven hundred) Blibli Vouchers worth Rp150,000 (one hundred fifty thousand rupiah) each;
    5. 300 (three hundred) Blibli Vouchers worth Rp200,000 (two hundred thousand rupiah) each;
    6. 300 (three hundred) tiket.com Vouchers worth Rp200,000 (two hundred thousand rupiah) ;
    7. 400 (four hundred) units of 5 (five)-gram Gold bars;
    8. 200 (two hundred) units of Samsung Galaxy S24+.
    The colors of Gacha Prizes in the form of items shown in BCA’s promotional materials are not guaranteed. If the colors of the Gacha Prizes shown in the promotional materials are not available, BCA reserves the right to replace them with alternative colors.
13. Gacha Prizes in the form of vouchers that have expired cannot be used, exchanged, or replaced with cash or any substitute prizes.
14. The Gebyar Points earned from the Pilih Gacha Berhadiah game cannot be transferred to any other party and cannot be exchanged for cash or other substitutes of any kind. The Gebyar Points will be accumulated into the Customer's total Gebyar Points to be counted toward the grand prize raffle at the end of the Gebyar Hadiah BCA period, which will be notified by BCA in any form and through any means in accordance with applicable law.
15. BCA reserves the right to revoke any Gebyar Points and Gacha Prizes if BCA becomes aware of any fraud committed by the Customer in the Pilih Gacha Berhadiah game.
16. All BCA Customers are eligible to participate in the Pilih Gacha Berhadiah game, as long as the Customer has Gebyar Points and can access the Gebyar Hadiah BCA page on m-BCA in the BCA mobile app, the mobile version of myBCA, or the website version of myBCA.
17. BCA reserves the right to modify, supplement, or replace these Terms and Conditions for Pilih Gacha Berhadiah BCA, which will be notified to the Customer in any form and through any means in accordance with applicable law.

These Terms and Conditions for Pilih Gacha Berhadiah Game have been adjusted in compliance with prevailing laws and regulations, including Regulations of the Financial Services Authority