PermataMasa DEPAN Regular

General Tems:

• Only for individual customers.
• Available in Rupiah.
• Using the single rate interest calculation system.
• The PermataMasa DEPAN account and the source fund account for monthly deposits must be in 1 (one) CIF (Customer Identification File).
• The source fund account of PermataMasa DEPAN can be an individual savings account or an individual current account in Rupiah.
• When the PermataMasa DEPAN account expires, all funds will be credited to the source fund account at PermataBank.

Special Penalty Fee for Accounts Related to Direct Prize Promo
The penalty will be charged if the account closes before the maturity date (and if the account is closed because the Customer has passed away) or the account has failed to debit for 3 consecutive months or the Customer has made a withdrawal of funds or account closure before the due date:

1. Terms: 1 year (12 months)
   • If the account membership is active for less than 12 months, a penalty of 100% of the value of the direct prize will be charged (in accordance with the related program scheme).
2. Terms: 2 year (24 months)
   • If the account membership is active for less than 24 months, a penalty of 100% of the value of the direct prize will be charged (in accordance with the related program scheme).
3. Terms: 3 years (36 months)
   • If the account membership is active for less than 24 months, a penalty of 100% of the value of the direct prize will be charged (in accordance with the related program scheme).
   • If the account membership is active for more than up to 24 months up to less than 36 months, a penalty of 75% of the value of the direct prize will be charged (in accordance with the related program scheme).
4. Terms: 5 years (60 months)
   • If the account membership is active for less than 36 months, a penalty of 100% of the value of the direct prize will be charged (in accordance with the related program scheme).
   • If the membership account is active for more than up to 36 months up to less than 60 months, a penalty of 75% of the value of the direct prize will be charged (in accordance with the related program scheme).
5. Terms: 7 years (84 months)
   • If the account membership is active for less than 60 months, a penalty of 100% of the value of the direct prize will be charged (in accordance with the related program scheme).
   • If the account membership is active for more than up to 60 months up to less than 84 months, a penalty of 75% of the value of the direct prize will be charged (in accordance with the related program scheme).
6. Terms: 10 years (120 months)
   • If the account membership is active for less than 72 months, a penalty of 100% of the value of the direct prize will be charged (in accordance with the related program scheme).
   • If the account membership is active for more than up to 72 months up to less than 96 months, a penalty of 75% of the value of the direct prize will be charged (in accordance with the related program scheme).
   • JIf the account membership is active for more than up to 96 months, a penalty of 50% of the value of the direct prize will be charged (in accordance with the related program scheme).

Provisions of Failed Debit
If the PermataMasa DEPAN account fails to debit for 3 (three) consecutive months, then:

• The PermataMasa DEPAN account will be charged a penalty fee (specifically the PermataMasa DEPAN Direct Prize Promo account, and there is no penalty fee for PermataMasa DEPAN Regular).
• Standing instruction (SI) link for the process of monthly deposits debit will be disabled.
• Existing balances in the PermataMasa DEPAN account will be transferred to the source fund account according to the account's planned maturity date.

Provisions of Depositing Funds:

• Monthly deposit initially determined by the Customer is made through standing instruction (SI) facilities.
• Out-of-schedule monthly payments can be made at any time through a branch office (overbooking or cash deposits), PermataATM, PermataTel and PermataMobile or through transfers from other banks.
• Out-of-schedule monthly payments cannot replace debit failures on monthly deposits that have occurred before.

Provisions of Withdrawing Funds:

• PermataMasa DEPAN account has reached its maturity date.
• The customer closes the PermataMasa Depan account before the maturity date.
• The account has failed to debit for (3) consecutive months.
• Customers make withdrawals of funds before the maturity date.
• Customer passes away.
• The process of closing the PermataMasa DEPAN account on the maturity date will be made automatically, and the balance on the PermataMasa DEPAN account will be credited to the source fund account in the afternoon (at 16:00 WIB), but if the due date coincides with a holiday, then the process will be carried out on the next workday at the same time.
• The closing of the PermataMasa DEPAN account can only be done at the Branch where the PermataMasa DEPAN account is opened.

Provisions of Data Change:

• During the saving period, the Customer can make changes to the data including the addition of the Monthly Deposits nominal and only applies to the PermataMasa DEPAN Regular account.
• To make changes to the data referred above, the Customer must come to the PermataBank branch office where the PermataMasa Depan account is opened to complete the form.
• Monthly deposit nominal changes (changes are only to add the nominal of monthly deposit) and only applies to PermataMasa DEPAN Regular accounts.
• To make changes to the data, the Customer must submit a Confirmation Note.
• Data changes are not subject to stamp duty.

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