Tapres

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

A. GENERAL TERMS AND CONDITIONS

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. BCA will issue a PASPOR Tapres BCA Card that can be used by the Depositor to make a deposit, withdrawal, transfer, payment, and other transactions as may be determined by BCA (hereinafter referred to as the “Transaction”) through the teller counter, BCA's Automated Teller Machine (ATM) and/or other facilities as may be determined by BCA.
3. Contactless Transaction is transaction carried out using a PASPOR Tapres BCA Card with contactless feature by bringing the PASPOR Tapres BCA Card closer (without having to dip/swipe the PASPOR Tapres BCA Card) to an Electronic Data Capture (EDC) machine or Terminal owned by BCA or other parties through the Maestro/Mastercard network with or without using a personal password number or Personal Identification Number (PIN).
4. For the implementation of fund transfer transactions (including registration of destination accounts for the purpose of fund transfer transactions) through facilities provided by BCA, other banks, or non-bank institutions, the Depositor hereby authorizes BCA to:
   1. display the name and/or account number of the Depositor on the BCA facilities used to conduct fund transfer transactions;
   2. provide data on the name and/or account number of the Depositor to other banks, non-bank institutions, and other parties cooperating with other banks or non-bank institutions to be displayed on the facilities used for fund transfer transactions.
   The display of such name and/or account number is conducted as a means of confirmation to customers who conduct fund transfers to minimize the possibility of wrong transfers.
5. For the implementation of deposit transactions, transfers, remittances, or other financial transactions and for the purposes of verification/confirmation of the status of transactions made by the Depositor to a fund account, virtual account, or other means that can receive funds or can be used as a facility for fund transfer/ payment through BCA branch offices, facilities provided by BCA, other banks, or non-bank institutions, the Depositor hereby authorizes BCA to:
   
   1. display the name and/or account number of the Depositor on the account statement and transaction report issued by BCA.
   2. provide data on the name and/or account number of the Depositor to other parties who process deposit transactions, transfers, remittances, or other financial transactions, recipients of virtual account facilities or other means that can receive funds or can be used as facility for fund transfer/payment, as well as to other parties who receive funds from transactions made by the Depositor.
6. The PASPOR Tapres BCA 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, including the misuse of the PASPOR Tapres BCA Card to make Contactless Transaction, Card shall be the sole liability of the Depositor.
7. The PASPOR Tapres BCA Card must not be used for purposes other than to conduct any of the Transactions.
8. Every time the Depositor uses the PASPOR Tapres BCA  Card, the Depositor will be requested to enter a PIN or put a signature (only for certain Transactions on the 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.
9. Notwithstanding the provisions as specified in point 8 above, the Depositor shall be able to make Contactless Transaction using PASPOR Tapres BCA Card which has contactless feature without being required to enter personal password number or PIN up to the maximum limit determined by BCA, the principal of the PASPOR Tapres BCA Card, or the competent authority in each country where the Depositor make such Contactless Transaction. 
10. In conducting Contactless Transaction, the Depositor must follow the applicable rules at BCA, the regulations issued by the principal of PASPOR Tapres BCA Card, and applicable regulations in each country where the Depositor conducts Contactless Transactions, including provisions regarding transaction limits and the frequency of Contactless Transaction that can be conducted by the Depositor.
11. The usage of PASPOR Tapres BCA Card in contactless method as specified above shall have the same legal force as the written instruction signed by the Depositor.
12. The use of the PIN on BCA ATMs, other banks’ ATMs among others through such networks as Prima and/or Cirrus, BCA 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.
13. If the PASPOR Tapres BCA 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.
14. Any notice of theft or loss of the PASPOR Tapres BCA  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 PASPOR Tapres BCA  Card. The blockage will remain effective until BCA receives a written request from the Depositor to release the blocked account linked to the PASPOR Tapres BCA  Card. As long as the notice of theft or loss has not been received by BCA, any Transaction made using the stolen or lost PASPOR Tapres BCA Card shall be the sole liability of the Depositor.
15. The written request to release the blocked account linked to the stolen or lost PASPOR Tapres BCA 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 PASPOR Tapres BCA  Card.
16. BCA will not process any Transaction involving the account whose PASPOR Tapres BCA Card has been reported lost by the Depositor to BCA, however such account can still receive incoming funds. To resume making Transactions on the account linked to such PASPOR Tapres BCA Card, the Depositor can apply for a replacement of the PASPOR Tapres BCA Card at the BCA branch office.
17. 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.
18. The Depositor must not use the TAPRES BCA account to hold funds from any transactions or businesses that are prohibited by and/or contrary to applicable law, including but not limited to money laundering, terrorism financing, funding the proliferation of weapons of mass destruction, illegal investments, fraud, gambling, narcotics, and other criminal acts.
19. The Depositor must not use the funds in the TAPRES BCA account to conduct any transactions or businesses that are prohibited by and/or contrary to applicable law, including but not limited to money laundering, terrorism financing, funding the proliferation of weapons of mass destruction, illegal investments, fraud, gambling, narcotics, and other criminal acts.
20. 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 PASPOR Tapres BCA  Card, the Depositor is deemed to have accepted all the data contained in the TAPRES BCA Account Activity Statement.
21. The TAPRES BCA Account Activity Statement will be provided to the Depositor in the following manner:
    1. 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:
       1. 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.
       2. 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.
    2. 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.
22. 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 PASPOR Tapres BCA Card by bringing such TAPRES BCA Account Activity Statement.
23. 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.
24. The Depositor must pay all charges and fees for the issuance and/or use of the PASPOR Tapres BCA  Card, including but not limited to the PASPOR Tapres BCA 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.
25. TAPRES BCA account will be automatically closed by the system if the balance in the account is Rp0,- (zero Rupiah), and no debit and credit transactions were made in said account for 12 (twelve) consecutive months.
26. The Depositor must notify BCA in writing of any changes to the Depositor’s data.
27. The Depositor authorizes BCA to provide Depositor’s data to any party other than BCA that has entered into a cooperation with BCA, for promotional activities or other commercial purposes.
28. The Depositor authorizes BCA, either now or after Depositor is no longer a BCA customer, to offer BCA's products/services and products/services of other parties that has entered into a cooperation with BCA via personal communication means.
29. 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.
30. If the Depositor later applies for such facilities as m-BCA, KlikBCA, and/or other facilities associated with the opening of TAPRES BCA 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 opening of such TAPRES BCA account used by the Depositor.
31. 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.
32. 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.
33. The Depositor holds BCA harmless against all claims, lawsuits, and/or other legal proceedings and for any losses arising from the forgery of a PASPOR Tapres BCA Card that is not caused by BCA’s fault.
34. 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.
35. 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.
36. All data connected with the TAPRES BCA Account will be held and stored by BCA in accordance with the prevailing law.
37. 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.
    LPS does not guarantee any deposit with interest at the rate exceeding the maximum interest rate stipulated by the LPS.
38. 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.
39. 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 PASPOR Tapres BCA Card. BCA may at any time amend any provisions and rules governing all the services/facilities and Transactions covered by the PASPOR Tapres BCA 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 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 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 (inkaso). Any failure or delay by such correspondent bank in conducting the collection (inkaso) 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 PASPOR Tapres BCA Card to the BCA officer. To process the cash withdrawal or funds transfer transaction, BCA will use an EDC machine.
9. Cash withdrawals or fund transfers by Depositor’s attorney-in-fact can only be made at the 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.
10. If the signature on the Withdrawal Slip is different from the signature on the PASPOR Tapres BCA 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 PASPOR Tapres BCA 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 according to the provisions applicable at BCA 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.
5. Notwithstanding the above provisions, the Depositor may request BCA not to pay interest on the Depositor's deposits in the TAPRES BCA account. In connection therewith, the Depositor will still earn interest on the monthly average balance in TAPRES BCA account in the current month proportionally calculated from the beginning of the current month until 1 (one) calendar day prior to the date of completion of the processing of the Depositor's request to BCA not to pay interest.
6. If the Depositor submits a request to BCA to pay interest again on the Depositor's deposits in the TAPRES BCA account, the TAPRES BCA account will pay interest on the monthly average balance calculated from the beginning of the current month.
7. The Depositor's request to BCA to pay or not to pay interest on the Depositor's deposits in the TAPRES BCA account can be submitted to BCA branch offices by filling out and signing a form provided by BCA. The Depositor is fully responsible for any consequences arising in connection with the non payment or payment of interest conducted by BCA at the request of the Depositor.

D. PROCEDURE

Use of PASPOR Tapres BCA  Card

1. The PASPOR Tapres BCA 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 machine and other parties' EDC machine via the Maestro/Mastercard network;
   • making cash withdrawals at merchants showing the “Tunai BCA” sticker;
   • making online debit transactions through the Mastercard network, only for holders of PASPOR Tapres BCA Cards with the Mastercard logo; 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 PASPOR Tapres BCA Card through ATMs.
   1. insert the PASPOR Tapres BCA Card;
   2. enter Depositor’s If the Depositor enters the wrong PIN 3 (three) times in a row, the PASPOR Tapres BCA Card will be blocked. The Depositor can request BCA to unblock the PASPOR Tapres BCA Card through Halo BCA or at BCA branch office by taking the relevant PASPOR Tapres BCA Card and the Depositor’s ID card in accordance with applicable rules at BCA;
   3. select the desired type of transaction.

3. Below is the procedure or manual for using the PASPOR Tapres BCA Card on EDC machine.
   1. insert the PASPOR Tapres BCA Card;
   2. check the transaction amount appearing on the screen of the EDC machine;
   3. enter Depositor’s If the Depositor enters the wrong PIN 3 (three) times in a row, the PASPOR Tapres BCA Card will be blocked. The Depositor can request BCA to unblock the PASPOR Tapres BCA Card at a BCA Branch Office by taking the PASPOR Tapres BCA Card and the Depositor’s ID card in accordance with applicable rules at BCA.
4. Procedures and mechanism for using PASPOR Tapres BCA Cardwith contactless feature through EDC machine or other terminals owned by BCA or other party thorough Maestro/Mastercard network that accept Contactless Transaction are as follows:
   1. Locate the PASPOR Tapres BCA Cardclose to the EDC machine or terminal;
   2. Check the nominal amount of the transaction displayed on the EDC machine screen;
   3. For transaction above the maximum limit determined by BCA, the principal of PASPOR Tapres BCA Card or the competent authority in each country where the Depositor make the Contactless Transaction and/or other Contactless Transaction which are required to use a PIN, the Depositor will be required to enter PIN or affix a signature (specifically for Certain Transactions at merchant abroad that only accept transaction verification in the form of signature). If the wrong PIN number is entered 3 (three) times in a row, the PASPOR Tapres BCA Cardwill be blocked. Unblocking can be conducted at BCA branch office by bringing PASPOR Tapres BCA Card, proof of account ownership, and Depositor identification in accordance with applicable rules at BCA.
5. Below is the procedure or manual for using the PASPOR Tapres BCA Card with the Mastercard logo for online debit transactions.
   1. enter the number of the PASPOR Tapres BCA Card bearing the Mastercard logo, its expiry date, and CVV (Card Verification Value) number into the merchant's application/website;
   2. for merchants that require an OTP, the screen of the merchant's application/website will show an instruction to enter the OTP, and the Depositor must enter the OTP sent to the mobile number previously registered by the Depositor for the purpose of verifying online debit transactions. The Depositor must maintain the confidentiality of the OTP and must not notify the OTP to any other party;
   3. continue the transaction as directed on the merchant's application/website.

Replacement of PASPOR Tapres BCA  Card

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

Closure of TAPRES BCA Account

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

• Submit the TAPRES BCA account closure application form;
• Submit the original identity card of the Depositor’s;
• Present the Depositor’s PASPOR Tapres BCA 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.

 Complaints Handling

1. Any complaints to BCA in connection with the PASPOR Tapres BCA Card can be submitted by the Depositor to any BCA branch office or HALO BCA. For the purpose of handling such 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 TAPRES BCA account must be submitted by the Depositor to 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 the Terms and Conditions for Tabungan Prestasi (“TAPRES”) of PT BANK CENTRAL ASIA Tbk ("BCA") will be resolved in an amicable manner to reach consensus.
2. If the resolution of dispute or difference of opinion has been carried out amicably between the Depositor and BCA yet fail to reach consensus, then such dispute or difference of opinion will be resolved through banking mediation facilities at Bank Indonesia or the Financial Services Authority (OJK) 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 (OJK).
3. Any dispute or difference of opinion that cannot be resolved in an amicable manner, by means of banking mediation, 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.

F. LANGUAGE

These Terms and Conditions for Tabungan Prestasi (“TAPRES”) Account of PT BANK CENTRAL ASIA Tbk ("BCA") are made and signed in 2 (two) versions of languages, namely Indonesian and English. In the event that there is a discrepancy in interpretation between the versions of Indonesian and English, then the version of Indonesian language shall prevail.

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