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eSales Kit v5.22 (updated Oktober 2021) 1.1. TMRW 1 HOME
Savings Account TMRW Account TMRW Account
Current Account Stash Account Digital product from UOB Indonesia to provide various transaction benefits, namely free of service fees, free account management, and easy and fun flexible transactions. All One Account Term Deposits banking needs can be accessed via a smartphone. Privilege General Terms & Account Interest Calculation Type of Account Valas Produktif Single Individual Name Facilities Account Proof of Account Ownership UOB Lady’s Account Credit Cards • E-Statement, accessed via TMRW application U-Save • Debit/ATM Card Loans U-Plan Benefits • Free of administration fee and passive (dormant) account fee Privilege Banking UOB Gold Saving Account • Free of ATM cash withdrawal fees at ATM Bersama/Prima network if the balance before withdrawal is at least Rp. 1 million Wealth Banking Tabunganku • Free of bill payment fees and transfer of funds to other banks via TMRW application Investment & • Interest up to 4% p.a. earned since the first rupiah by saving in the City of TMRW Simpanan Pelajar Bancassurance Features Treasury Products Tabungan Biz88 TMRW Account consists of 2 products, namely TMRW Everyday Account, for transaction purposes, and TMRW Savings, for savings. The two accounts will be opened simultaneously when the customer registers and will be Operational U-BIZ88 connected to each other. Network 1 2 3 Next >> 1.1. TMRW 2 HOME
Savings Account TMRW Account TMRW Account Features Current Account Stash Account Initial deposit Free Term Deposits One Account Next deposit Free Privilege Min. remaining balance Rp. 0 General Terms & Account Interest Calculation Interest rate* TMRW Everyday Account = 0.5% p.a. Valas Produktif TMRW Savings Account = 4.0% p.a. Facilities Account *Interest rates shall not be binding and may change from time UOB Lady’s Account to time and will be subject to applicable regulations. Credit Cards Tax on interest 20% of interest rate per month U-Save Loans Inactive account There are no mutations, either withdrawals or deposits, U-Plan for 12 consecutive months.
Privilege Banking UOB Gold Saving Fees Account Monthly administration fee Active Account : Free Wealth Banking Tabunganku Inactive Account :Free Monthly administration fee for debit cards Free Investment & Simpanan Pelajar Bancassurance Debit Card Replacement Fee (Lost/Damaged) Free ATM PIN change Free Tabungan Biz88 Treasury Products Inter-branch cash deposit fee Free Operational U-BIZ88 Transfer fees to other UOB accounts Free Network << Prev 1 2 3 Next >> 1.1. TMRW 3 HOME
Savings Account TMRW Account TMRW Account
Current Account Stash Account Fees Transfer fees to other bank accounts Free Term Deposits One Account Bill payment fee Free Privilege Account closing fee Free General Terms & Account Interest Calculation Valas Produktif Risks Account Facilities • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing UOB Lady’s Account institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Credit Cards Insurance Corporation (LPS) or other replacing institutions in the future. • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due U-Save to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Loans U-Plan Customer. • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Privilege Banking UOB Gold Saving Customer's obligations to the Bank. Account • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the Wealth Banking use of the account is not in accordance with the purpose of account opening. Tabunganku Investment & Simpanan Pelajar Bancassurance
Treasury Products Tabungan Biz88
Operational U-BIZ88 Network << Prev 1 2 3 1.1. Stash 1 HOME
Savings Account TMRW Account Stash Account
Current Account Stash Account
One Account It is a special savings that provides additional benefits in the form of bonus interest, if the Term Deposits Customer can keep the Monthly Average Balance (MAB) at the same level or increase it. Privilege General Terms & Account Interest Calculation Type of Account Valas Produktif Single Individual Name or Joint OR Facilities Account UOB Lady’s Account Proof of Account Ownership Credit Cards • E-Statement, accessed via Personal Internet Banking (PIB) U-Save • Debit/ATM Card ** Loans U-Plan Benefits Privilege Banking UOB Gold Saving • Basic Interest, an interest which is calculated on a daily basis based on the daily balance using the Account threshold method. Wealth Banking • Bonus Interest, an interest which is calculated on the customer's average monthly balance using the Tabunganku progressive method. The interest bonus is credited in the following month Investment & • Free of administration fees and passive (dormant) account fee Simpanan Pelajar Bancassurance • Free of ATM cash withdrawal fees at ATM Bersama/Prima network if the balance before withdrawal is at least Rp. 1 million Treasury Products Tabungan Biz88
Operational U-BIZ88 Network 1 2 3 4 5 Next >> 1.1. Stash 2 HOME
Savings Account TMRW Account Tabungan Stash
Current Account Stash Account Features Initial deposit Rp. 1,000,000 One Account Term Deposits Next deposit Rp. 0 Privilege Rp. 100,000 General Terms & Min. remaining balance Account Interest Calculation Interest rate* Basic Interest Total Valas Produktif Account Balance Facilities Account Interest Bonus Interest UOB Lady’s Account < Rp. 25 mio 0.00% 0.00% 0.00% Credit Cards Rp. 25 mio– < Rp. 50 mio 0.50% 0.15% 0.65% U-Save Loans Rp. 50 mio – < Rp. 100 mio 0.50% 0.50% 1.00% U-Plan Rp. 100 mio – < Rp. 200 mio 0.50% 1.00% 1.50% Privilege Banking UOB Gold Saving Account Rp. 200 mio – < Rp. 500 mio 0.50% 2.00% 2.50% Wealth Banking Tabunganku Rp. 500 mio – < Rp. 750 mio 0.50% 3.00% 3.50% Investment & Rp. 750 mio – < Rp. 1 bio 0.50% 3.75% 4.25% Simpanan Pelajar Bancassurance ≥ Rp. 1 bio 0.50% 0.00% 0.50% Treasury Products Tabungan Biz88 *Interest rates shall not be binding and may change from time to time Operational U-BIZ88 and will be subject to applicable regulations. Network << Prev 1 2 3 4 5 Next >> 1.1. Stash 3 HOME
Savings Account TMRW Account Tabungan Stash
Stash Account Current Account Features Conditions to earn Bonus Interest: Term Deposits One Account Criteria Condition Privilege General Terms & Account Maintain an average monthly Interest Calculation balance at the same level as Valas Produktif Criteria 1 Account the average monthly balance of Facilities the previous month. UOB Lady’s Account Credit Cards OR U-Save Increase the average monthly Loans balance to a level that is higher U-Plan Criteria 2 than the average monthly balance of the previous month Privilege Banking UOB Gold Saving Account Wealth Banking Tabunganku Tax on interest 20% of the Interest rate per month Investment & Inactive account There are no mutations, either withdrawals or deposits, for 12 Simpanan Pelajar Bancassurance consecutive months.
Treasury Products Tabungan Biz88
Operational U-BIZ88 Network << Prev 1 2 3 4 5 Next >> 1.1. Stash 4 HOME
Savings Account TMRW Account Tabungan Stash How Customers obtain information on how to earn Interest Bonus Current Account Stash Account
Term Deposits One Account Privilege General Terms & Account Interest Calculation Valas Produktif Facilities Account UOB Lady’s Account Credit Cards U-Save Loans U-Plan
Privilege Banking UOB Gold Saving Account Wealth Banking Tabunganku In the account information menu, the customers can select the Stash account and view the amount stated on the “Top Up Amount” and Balance To Maintain”. The nominal value of these two information will vary every day to always match the Investment & average monthly balance requirement in order to earn Interest Bonus. Simpanan Pelajar Bancassurance Top Up Amount: The amount of funds that must be deposited on that day in order to reach the average monthly balance Treasury Products Tabungan Biz88 requirement to earn Interest Bonus.
Operational U-BIZ88 Balance to Maintain: The balance at the end of the day that must be maintained from the day of checking on the PIB until Network the end of the month to meet the average monthly balance requirements to earn Interest Bonus. << Prev 1 2 3 4 5 Next >> 1.1. Stash 5 HOME
Savings Account TMRW Account Tabungan Stash Fees Current Account Stash Account Monthly administration fee Active Account : Free Inactive account : Free One Account Term Deposits Passbook replacement fee N/A Privilege Monthly Debit Card administration fee Free General Terms & Account Interest Calculation Bank Statement holding fee N/A Valas Produktif Instant Statement fee N/A Account Facilities Bank Statement printing fee N/A UOB Lady’s Account Debit Card Replacement Fee (Lost/Damaged) Rp. 10,000 Credit Cards ATM PIN change Rp. 5,000 U-Save Inter-branch cash deposit fee Free Loans Account closing fee Rp. 100,000 U-Plan Risks Privilege Banking UOB Gold Saving Account • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing Wealth Banking institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Tabunganku Insurance Corporation (LPS) or other replacing institutions in the future. Investment & • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due to Simpanan Pelajar Bancassurance smaller Deposit interest earned by the Customer compared to the administration fee charged to the Customer. • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Treasury Products Tabungan Biz88 Customer's obligations to the Bank. • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the use Operational U-BIZ88 of the account is not in accordance with the purpose of account opening Network << Prev 1 2 3 4 5 1.2. One Account 1 HOME
Savings Account TMRW Account One Account
Current Account Stash Account It is a transactional deposit in rupiah currency that give rewards for your transaction. The customer has the potential to get a tiered Interest Bonus which is calculated on a daily basis and has flexibility in withdrawals and deposits. Term Deposits One Account Privilege Type of Account General Terms & Account Interest Calculation Single Name Individual Valas Produktif 1 Customer can only have 1 “One Account” account per entity. Facilities Account Proof of Account Ownership UOB Lady’s Account Credit Cards • E-Statement • Debit Card / ATM ** U-Save Loans Benefits U-Plan • Daily interest, the bigger the balance, the higher the interest earned. Privilege Banking UOB Gold Saving • UOB One Account customers can enjoy the following transaction facilities and benefits: Account • Free cash withdrawals at ATM Bersama/Prima network if the balance before withdrawal is ≥ Rp. 1,000,000 Wealth Banking • Free of next transaction fees for each month *: Tabunganku 5x LLG Investment & RTOL via TMRW Simpanan Pelajar * This is provided in the form of cash back to the customer's account in the following month and cannot Bancassurance be accumulated. Treasury Products Tabungan Biz88 • Interest Bonus, customer can earn one of two interests bonus with the following condition • Interest Bonus 1 : fulfill 1 of 4 available activity options Operational U-BIZ88 • Interest Bonus 2 : fulfill 2 of 4 available activity options Network 1 2 3 4 5 Next >> 1.2. One Account 2 HOME
Savings Account TMRW Account One Account Features Current Account Stash Account Initial deposit Rp. 1,000,000 Next deposit Min. Rp. 10,000 Term Deposits One Account Min. remaining balance Rp. 25,000 Privilege General Terms & Account Interest rate* Tiered Interest Calculation Valas Produktif Basic Interest Interest Account MAB* Facilities Interest Bonus 1 Bonus 2 UOB Lady’s Account Credit Cards < Rp 25 million 0.00% 0.00% 0.00% U-Save Rp 25 million - < Rp 500 0.50% 1.00% 3.50% Loans million U-Plan ≥ Rp 500 million 0.75% 0.00% 0.00% Privilege Banking UOB Gold Saving Description : Account • Progressive interest rate per year and subject to change at any time. Wealth Banking • *MAB or Monthly Average Balance is the average monthly balance of the customer in the month concerned. Tabunganku Investment & Conditions to earn Bonus Interest: Criteria Condition Simpanan Pelajar Bancassurance Bonus Bunga 1 Fulfill 1 of 4 available activity options Treasury Products Tabungan Biz88 Bonus Bunga 2 Fulfill 2 of 4 available activity options Operational U-BIZ88 Network << Prev 1 2 3 4 5 Next >> 1.2. One Account 3 HOME
Savings Account TMRW Account One Account Features Current Account Stash Account Conditions to earn Bonus Interest: The followings are list of activity options that customers can do to earn bonus interest: Term Deposits One Account • Making refill payments or monthly bills for at least two transactions Privilege General Terms & with minimum amount Rp 100.000 per transaction via PIB or Account Interest Calculation TMRW. Valas Produktif • Do fund transfer into UOB One Account at least Rp 250.000 every Facilities Account month. • Making shopping transactions using Debit Card and/or Credit Card UOB Lady’s Account at least Rp 1 Million every month (based on month of the current Credit Cards transaction). U-Save • Become a new saving customer at UOB by opening One Account Loans (only applies to customer who do not have previous U-Plan savings/current account at UOB including TMRW account). Privilege Banking UOB Gold Saving Type of TMRW and PIB transactions: Account • Credit card bill • Top up e-Wallet Wealth Banking • Telephone bill • Insurance premium payment Tabunganku • TV and Internet bill • PDAM bill Investment & • Leasing payment • PBB bill Simpanan Pelajar Bancassurance Tax on interest 20% of the Interest rate per month
Tabungan Biz88 Inactive account There are no mutations, either withdrawals or deposits, for 12 Treasury Products consecutive months. Operational U-BIZ88 Network << Prev 1 2 3 4 5 Next >> 1.2. One Account 4 HOME
Savings Account TMRW Account One Account
Current Account Stash Account Fees Monthly administration fee Active Account : Term Deposits One Account • Average balance < Rp. 25,000,000 : Rp. 10,000 • Average balance ≥ Rp. 25,000,000 : Free Privilege General Terms & Inactive account : Free Account Interest Calculation Valas Produktif Passbook replacement fee N/A Facilities Account Monthly Debit Card administration fee Free Bank Statement holding fee N/A UOB Lady’s Account Credit Cards Instant Statement fee N/A U-Save Bank Statement printing fee N/A Loans Debit Card Replacement Fee (Lost/Damaged) Rp. 10,000 U-Plan ATM PIN change Rp. 5,000 Privilege Banking UOB Gold Saving Inter-branch cash deposit fee Free Account Account closing fee Rp. 100,000 Wealth Banking Tabunganku Investment & Simpanan Pelajar Bancassurance
Treasury Products Tabungan Biz88
Operational U-BIZ88 Network << Prev 1 2 3 4 5 Next >> 1.2. One Account 5 HOME
Savings Account TMRW Account One Account
Current Account Stash Account Risks
Term Deposits One Account • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Privilege General Terms & Insurance Corporation (LPS) or other replacing institutions in the future. Account Interest Calculation • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due to Valas Produktif smaller Deposit interest earned by the Customer compared to the administration fee charged to the Customer. Facilities Account • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Customer's obligations to the Bank. UOB Lady’s Account Credit Cards • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the use of the account is not in accordance with the purpose of account opening. U-Save Loans U-Plan
Privilege Banking UOB Gold Saving Account Wealth Banking Tabunganku Investment & Simpanan Pelajar Bancassurance
Treasury Products Tabungan Biz88
Operational U-BIZ88 Network << Prev 1 2 3 4 5 1.6. Privilege Account 1 HOME
Savings Account TMRW Account Privilege Account
Current Account Stash Account It is a deposit in rupiah currency specifically for Privilege Banking customers, which provides interest based on the total placement of customer funds, either in the form of Savings, Current Account or Rupiah/foreign currency deposits, in 1 (one) entity. Term Deposits One Account Privilege General Terms & Type of Account Account Interest Calculation Valas Produktif Individual / Individual Joint Account (And, Or, QQ) Account Facilities Proof of Account Ownership UOB Lady’s Account • Bank Statement Credit Cards • Debit Card / ATM U-Save Benefits Loans U-Plan • Interest of savings which is given based on the total placement of customer funds in 1 entity and is linked to the combined statement of the Privilege Account. Privilege Banking UOB Gold Saving • Autodebit for PLN, Telkom, Telkomsel, Indosat Monthly Bills. Account • SMS Alert facility, information on various important transactions to customer's mobile phone via SMS. Wealth Banking Tabunganku Features Investment & • The amount of interest which is calculated on the Privilege Account balance based on the total account Simpanan Pelajar Bancassurance balance of deposits in Rupiah and foreign currency held by the customer in 1 (one) entity. • 1 Customer only opens 1 (one) UOB Privilege Account per entity. Treasury Products Tabungan Biz88 • UOB High Yield Account customers will receive a combined Bank Statement facility. • Accounts issued from the combined Bank Statement facility of Privilege Accounts are not calculated as total Operational U-BIZ88 deposits. Network 1 2 3 4 Next >> 1.6. Privilege Account 2 HOME
Savings Account TMRW Account Privilege Account
Current Account Stash Account Features Cashback Feature • Free of RTGS fee for 20x transactions Term Deposits One Account • Free of LLG fee for 20x transactions Privilege Initial deposit Rp. 1,000,000 General Terms & Account Next deposit Free Interest Calculation Valas Produktif Min. remaining balance Free Account Facilities Interest rate < Rp. 500,000,000 : 0.00% p.a. UOB Lady’s Account Rp.500,000,000 - < Rp.1,000,000,000 : 1.50% p.a. Credit Cards Rp.1,000,000,000 - < Rp.2,000,000,000 : 2.50% p.a. U-Save Rp.2,000,000,000 - < Rp.5,000,000,000 : 2.50% p.a. Loans U-Plan Rp.5,000,000,000 - Privilege Banking UOB Gold Saving ≥Rp.10,000,000,000 : 3.00% p.a. Account (Tiered and it is provided based on the total balance of the Wealth Banking customer in 1 (one) entity and calculated against the daily balance Tabunganku of the accounts within the current month). Investment & Simpanan Pelajar *Interest rates are not binding and subject to change at any time. Bancassurance Tax on interest 20% of interest per month. Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 Next >> 1.6. Privilege Account 3 HOME Savings Account TMRW Account Privilege Account Current Account Stash Account Fees Monthly administration fee • Active Account : Free One Account Term Deposits • Inactive Account : Free Privilege General Terms & Inactive account is a dormant account, that is, if there are no Account Interest Calculation transfers, either withdrawals or deposits for 12 consecutive Valas Produktif months. Facilities Account Monthly Debit Card administration fee Free UOB Lady’s Account Credit Cards Debit Card Replacement Fee Rp. 10,000 U-Save (Lost/Damaged) Loans ATM PIN change Rp. 5,000 U-Plan Bank Statement holding fee Rp. 150,000 Privilege Banking UOB Gold Saving Bank Statement printing fee : Account • Less than 1 year Rp. 25,000 per statement Wealth Banking Tabunganku • More than 1 year Rp. 50,000 per statement Investment & Inter-branch cash deposit fee Free Simpanan Pelajar Bancassurance Account closing fee Rp. 50,000 Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 Next >> 1.6. Privilege Account 4 HOME Savings Account TMRW Account Privilege Account Stash Account Current Account Risks • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing Term Deposits One Account institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Privilege General Terms & Insurance Corporation (LPS) or other replacing institutions in the future. Account Interest Calculation • If the balance in the main account is insufficient, the first debit failure will occur. Valas Produktif • If the debit failures reach 3 times in a row, the U Plan account will automatically be closed by the system. Facilities Account • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Customer's obligations to the Bank. UOB Lady’s Account Credit Cards U-Save Loans U-Plan Privilege Banking UOB Gold Saving Account Wealth Banking Tabunganku Investment & Simpanan Pelajar Bancassurance Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 1.4. Rekening Valas Produktif 1 HOME TMRW Account Savings Account Valas Produktif Account Current Account Stash Account It is a deposit with a variety of foreign currency options providing a daily interest rate that is intended for investment and to support customer transactions. One Account Term Deposits Type of Account Privilege General Terms & • Individual Account Interest Calculation • Legal Entity/Business Entity Valas Produktif • Joint Customer/Join Account (Or, And) Facilities Account UOB Lady’s Account Proof of Account Ownership Credit Cards • Bank Statement U-Save Loans Benefits U-Plan • Free of cash withdrawal fee via branch offices for withdrawals of up to USD 10,000 or SGD 15,000 Privilege Banking UOB Gold Saving • It provides a competitive daily interest rate. Account • There are several investment options in foreign currencies. • SMS Alert facility, information on various important transactions to customer's mobile phone via SMS. Wealth Banking Tabunganku Customers can choose the type of transaction required (Incoming Money Transfer, Clearing Reject, Card Transaction Investment & Simpanan Pelajar Bancassurance Treasury Products Tabungan Biz88 Operational U-BIZ88 Network 1 2 3 4 5 Next >> 1.4. Rekening Valas Produktif 2 HOME TMRW Account Savings Account Valas Produktif Account Current Account Stash Account Features Term Deposits One Account Initial deposit USD 100; SGD 150; HKD 1,000; GBP 100; AUD 150; EUR 100; JPY 15,000; NZD 150; CHF 150; CAD 150; SEK 700 Privilege General Terms & Account Next deposit Min USD 100; SGD 50 Interest Calculation Valas Produktif Min. remaining balance USD 10; SGD 15; HKD 100; GBP 10; AUD 15; EUR 10; JPY Account Facilities 1,500; NZD 15; CHF 15; CAD 15; SEK 70 UOB Lady’s Account Interest rate • USD : 0.10% pa Credit Cards • AUD, EUR, GBP, HKD, JPY : 0.00% pa U-Save Loans • SGD, NZD, CAD, CHF, SEK : 0.00% pa U-Plan *Interest rates are not binding and subject to change at any time. Privilege Banking UOB Gold Saving For the latest interest rate information, contact the nearest UOB Account Bank branch office or UOB Call Center on 14008 Wealth Banking Tabunganku Tax on interest 20% of interest per month. Investment & Additional Service (“FreePass”) Simpanan Pelajar Bancassurance FreePass service that provides additional benefits of Free of Monthly Administration Fee for the convenience of Customers to perform Forex Transactions, which is an additional service for Productive Forex Account product Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 5 Next >> 1.4. Rekening Valas Produktif 3 HOME TMRW Account Savings Account Valas Produktif Account Current Account Stash Account Benefits of FreePass Service • Free of account administration fee; One Account Term Deposits • Free initial deposit for other foreign currencies but subject to account hold balance requirements Privilege • Account hold balance requirements follow the term & condition of each VaPro account General Terms & Account Terms & Conditions of FreePass Service Interest Calculation Valas Produktif • The Customers are customers from the PFS segments - Privilege Banking (PV) or Non PV; Facilities Account • Must have a minimum of 2 (two) different accounts and one of the currency is USD; VaPro is committed to UOB Lady’s Account trading Forex (buying/selling currencies) at least 1 (one) time in 1 (one) month with a minimum nominal value Credit Cards of USD 10,000 (or its equivalent) at CIF level customers. USD equivalent. 10,000 refers to the exchange rate at the time of Forex transactions; U-Save Loans Fees U-Plan Monthly administration fee • Active Account Privilege Banking UOB Gold Saving USD 0 (Individual Vapro with monthly account balance ≥ USD 200); Account USD 1 (Individual Vapro with monthly account balance < USD 200 & Wealth Banking Tabunganku Vapro Institution / Bank USD); SGD 0 (Vapro Individual with monthly account balance ≥ SGD 200); Investment & Simpanan Pelajar Bancassurance SGD 1 (Vapro Individual with monthly account balance < SGD 200); SGD 1.5 (Vapro Institution/Bank SGD); HKD 10; GBP 1; AUD 1.5; Treasury Products Tabungan Biz88 EURO 1; JPY 150; NZD 1.5; CHF 1.5; CAD 1.5; SEK 7 Operational U-BIZ88 Network << Prev 1 2 3 4 5 Next >> 1.4. Rekening Valas Produktif 4 HOME TMRW Account Savings Account Valas Produktif Account Fees Current Account Stash Account Monthly administration fee • Inactive Account Term Deposits One Account Vapro Individual all types of currencies: Free Privilege Institution Vapro/Bank USD 2; SGD 3; HKD 20; GBP 2; AUD 3; General Terms & Account Interest Calculation EURO 2; JPY 300; NZD 3; CHF 3; CAD 3; SEK 14 Valas Produktif General Customers (Non-Privilege Banking) Account Withdrawals with Bank Notes at Facilities branch offices ≤ USD 5,000/SGD 7,500 : Free UOB Lady’s Account > USD 5,000/SGD 7,500 : Subject to a commission/fee of 0.5% Credit Cards calculated on a transaction value that exceeds USD 5,000/SGD 7,500 Privilege Banking Customers U-Save ≤ USD 10,000/SGD 15,000 : Free Loans U-Plan > USD 10,000/SGD 15,000 : Subject to a commission/fee of 0.5% calculated on a transaction value that exceeds USD 10,000/SGD Privilege Banking UOB Gold Saving 15,000 Account Cancellation of confirmed Wealth Banking USD 10 equivalent Tabunganku withdrawals Investment & Inter-branch cash deposit fee Free Simpanan Pelajar Bancassurance Bank Statement holding fee USD 15; SGD 20; HKD 150; GBP 10; AUD 15; JPY 1500; Treasury Products Tabungan Biz88 EURO 15; NZD 20; CHF 15; CAD 15; SEK 15 Operational U-BIZ88 Instant Statement fee USD 1 equivalent Network << Prev 1 2 3 4 5 Next >> 1.4. Rekening Valas Produktif 5 HOME TMRW Account Savings Account Valas Produktif Account Fees Current Account Stash Account Bank Statement printing fee: Term Deposits One Account < 1 year Rp. 25,000 per statement Rp. 50,000 per statement Privilege > 1 year General Terms & Account Account closing fee USD 10 equivalent Interest Calculation Valas Produktif Inactive account There are no mutations, either withdrawals or deposits, for 12 Facilities Account consecutive months. UOB Lady’s Account Risks Credit Cards • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing U-Save institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Loans Insurance Corporation (LPS) or other replacing institutions in the future. U-Plan • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced Privilege Banking UOB Gold Saving due to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Account Customer. Wealth Banking • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Tabunganku Customer's obligations to the Bank. Investment & • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the Simpanan Pelajar Bancassurance use of the account is not in accordance with the purpose of account opening. Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 5 Lady’s 1 HOME Savings Account TMRW Account Lady’s Account Current Account Stash Account Lady’s Account is a savings product for women that has insurance protection features while you’re saving. We understand your privilege who always put the needs of your loved ones to be your first priority. Term Deposits One Account Privilege Lady’s Account is a savings product that is integrated into Lady’s Account Critical Cover General Terms & Account Interest Calculation insurance product owned by PT Prudential Life Assurance, which offers protections to Valas Produktif critical illness risks (cancer) to one of following organs: breasts, cervix, uterus, fallopian Facilities Account tubes, vagina, and vulva. UOB Lady’s Proof of Account Ownership Account Credit Cards • E-Statement, that can be accesed through PIB U-Save • Debit Card / ATM Loans U-Plan Benefits Privilege Banking UOB Gold Saving • Insurance benefits values up to Rp.2 billion without underwriting process Account • Insurance benefits can be given without paying premium and without fund blockage Wealth Banking • Savings interest up to 2.00% per annum (can be changed at anytime) Tabunganku • FREE monthly administration fee, dormant account fee, and debit card administration fee Investment & Simpanan Pelajar Features Bancassurance • Insurance benefits (critical condition sum insured) of this savings product is calculated based on the Treasury Products Tabungan Biz88 Monthly Average Balance of the last 3 months prior to diagnosed date by the doctor. • Savings can be used as Relation Saving of Commercial Papers Saving Operational U-BIZ88 Network 1 2 3 4 Next >> Lady’s 2 HOME Savings Account TMRW Account Lady’s Account Features Current Account Stash Account Interest Rate Daily Average Balance Interest Rate* One Account Term Deposits Rp0 – < Rp25.000.000 0.00% p.a. Privilege General Terms & ≥ Rp25,000,000 – ≤ Rp50,000,000 0.35% p.a. Account Interest Calculation > Rp50,000,000 – ≤ Rp100,000,000 0.35% p.a. Valas Produktif > Rp100,000,000 – ≤ Rp250,000,000 1.00% p.a. Facilities Account > Rp250,000,000 – ≤ Rp500,000,000 1.00% p.a. UOB Lady’s > Rp500,000,000 – ≤ Rp1,000,000,000 1.00% p.a. Account Credit Cards > Rp 1,000,000,000 2.00% p.a. U-Save *Interest rates shall not be binding and may change from time to time and Loans will be subject to applicable regulations. U-Plan Insurance Benefits Values Privilege Banking UOB Gold Saving Monthly Average Balance of the last 3 Insurance Benefits Account months Values Wealth Banking Tabunganku Rp0 – < Rp25.000.000 Rp10,000,000 ≥ Rp25,000,000 – ≤ Rp50,000,000 Rp50,000,000 Investment & Simpanan Pelajar > Rp50,000,000 – ≤ Rp100,000,000 Rp100,000,000 Bancassurance > Rp100,000,000 – ≤ Rp250,000,000 Rp250,000,000 Treasury Products Tabungan Biz88 > Rp250,000,000 – ≤ Rp500,000,000 Rp500,000,000 > Rp500,000,000 – ≤ Rp1,000,000,000 Rp1,000,000,000 Operational U-BIZ88 > Rp 1,000,000,000 Rp2,000,000,000 Network << Prev 1 2 3 4 Next >> Lady’s 3 HOME Savings Account TMRW Account Lady’s Account Features Current Account Stash Account Initial Deposits Rp1.000.000 Term Deposits One Account Subsequent Deposits Any amount Privilege Electronic Statement Accessed through PIB using e-Statement Method General Terms & Account Interest Calculation Transaction Media Branches, ATM, Internet Banking, TMRW Valas Produktif Minimum Age for Account Opening 18 years old Account Facilities Maximum Age for Account Opening 60 years old, based on the subsequent birthday UOB Lady’s Account Maximum Age for Insurance Protection 65 years old Credit Cards U-Save Fees Loans U-Plan Monthly Administration Fee Free Privilege Banking UOB Gold Saving Monthly Debit Card Administration Fees Free Account Debit Card Fees Free Wealth Banking Account Dormant Fees Free Tabunganku Average Fees Below the Minimum Rp10.000 per month Investment & Simpanan Pelajar Balance (if balance < Rp.1.000.000) Bancassurance Earmark Fees for Account Opening Rp.100.000 Treasury Products Tabungan Biz88 (for Account Closure Fees) Operational U-BIZ88 Network << Prev 1 2 3 4 Next >> Lady’s 4 HOME Savings Account TMRW Account Lady’s Account Current Account Stash Account Risks • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing Term Deposits One Account institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Privilege Insurance Corporation (LPS) or other replacing institutions in the future. General Terms & Account • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due Interest Calculation to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Valas Produktif Customer. Account Facilities • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the UOB Lady’s Customer's obligations to the Bank. Account Credit Cards • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the U-Save use of the account is not in accordance with the purpose of account opening. Loans U-Plan Privilege Banking UOB Gold Saving Account Wealth Banking Tabunganku Investment & Simpanan Pelajar Bancassurance Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 1.1. U-Save 1 HOME Savings Account TMRW Account U-Save Current Account Stash Account It is a deposit in rupiah currency which provides a tiered interest rate that is calculated on a daily basis and has flexibility in withdrawals and deposits. Term Deposits One Account Privilege Type of Account General Terms & Account • Individual Interest Calculation Valas Produktif • Legal Entity/Business Entity ( except Financial Institution ) Facilities Account • Joint Customers/Joint Account (Or, And, QQ) UOB Lady’s Account Proof of Account Ownership Credit Cards • Passbook/Bank Statement U-Save • Debit/ATM Card** Loans ** For corporate customers, Bank Statement and ATM card facilities can only be used to check balances. U-Plan Privilege Banking UOB Gold Saving Benefits Account • Daily interest, the bigger the balance, the higher the interest earned. Wealth Banking Tabunganku • Autodebit for PLN, Telkom, Telkomsel, Indosat Monthly Bills • Free of next Transaction Fee every month *: Investment & 5x SKN Simpanan Pelajar Bancassurance 5x RTGS * It only applies to U-Save R/K with an average monthly balance of ≥Rp. 5,000,000, and is given in the form of a Treasury Products Tabungan Biz88 cashback to the customer's account in the following month and cannot be accumulated.. • SMS Alert Facility, information on various important transactions to the customer's mobile phone via SMS. Operational U-BIZ88 Network 1 2 3 4 Next >> 1.1. U-Save 2 HOME TMRW Account Savings Account U-Save Current Account Stash Account Features Initial deposit Rp.100.000,- Term Deposits One Account Next deposit Min Rp.10.000,- Privilege General Terms & Min. remaining balance Rp.25.000,- Account Interest Calculation Interest rate* Up to Rp.1.000.000 : 0.00% p.a. Valas Produktif Facilities Account Rp.1.000.000 - < Rp.25.000.000 : 0.10% p.a. Rp.25.000.000 - < Rp.100.000.000 : 0.10% p.a. UOB Lady’s Account Credit Cards Rp.100.000.000 - < Rp.1.000.000.000 : 0.15% p.a. U-Save ≥ Rp.1.000.000.000 : 0.35% p.a. Loans U-Plan *Interest rates are not binding and subject to change at any time. Privilege Banking UOB Gold Saving For the most recent information on interest rate, please contact the Account nearest branch or UOB Contact Center. Wealth Banking Tabunganku Tax on interest 20% of interest per month Investment & Simpanan Pelajar Bancassurance Inactive account There are no mutations, either withdrawals or deposits, for 12 consecutive months. Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 Next >> 1.1. U-Save 3 HOME TMRW Account Savings Account U-Save Current Account Stash Account Fees Monthly administration fees Active Account Term Deposits One Account • U-Save Passbook o Average Balance Rp.0 – Rp.1 juta : Rp.25.000,- Privilege General Terms & o Account Average Balance Rp.1 juta – Rp.25 juta : Rp.15.000,- Interest Calculation o Average Balance ≥ Rp.25 juta : Rp.10.000,- Valas Produktif • U-Save Bank Statement Account Facilities o Average Balance Rp.0 – Rp.1 juta : Rp.25.000,- UOB Lady’s Account o Average Balance Rp.1 juta – Rp.25 juta : Rp.15.000,- Credit Cards o Average Balance ≥ Rp.25 juta : Free Inactive Account* : Rp. 50.000,- U-Save * Inactive account is a dormant account, that is, if there are no Loans U-Plan transfers, either withdrawals or deposits for 6 consecutive months. Privilege Banking UOB Gold Saving Passbook replacement fee Account Free Monthly Debit Card administration fee Free Wealth Banking Tabunganku Bank Statement holding fee Rp. 150,000 Investment & Simpanan Pelajar Bank Statement printing fee • Less than 1 year Rp. 25,000 per statement Bancassurance • More than 1 year Rp. 50,000 per statement Treasury Products Tabungan Biz88 Debit Card Replacement Fee (Lost/Damaged) Rp. 10,000 Operational U-BIZ88 Network << Prev 1 2 3 4 Next >> 1.1. U-Save 4 HOME Savings Account TMRW Account U-Save Current Account Stash Account Fees ATM PIN change Rp. 5,000 Term Deposits One Account Inter-branch cash deposit fee Free Privilege General Terms & Account Account closing fee Rp. 25,000 Interest Calculation Valas Produktif Risks Facilities Account • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing UOB Lady’s Account institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Credit Cards Insurance Corporation (LPS) or other replacing institutions in the future. U-Save • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced Loans due to smaller Deposit interest earned by the Customer compared to the administration fee charged to the U-Plan Customer. Privilege Banking UOB Gold Saving • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Account Customer's obligations to the Bank. • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the Wealth Banking Tabunganku use of the account is not in accordance with the purpose of account opening. • Inactive Accounts can be closed by the Bank. Investment & Simpanan Pelajar Bancassurance Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 1.5. U-Plan 1 HOME Savings Account TMRW Account U-Plan Current Account Stash Account A term savings in rupiah currency by making routine deposits automatically by debiting the customer's main account, which is designed to assist customers in planning future Term Deposits One Account fund fulfillment. Privilege General Terms & Account Type of Account Interest Calculation Valas Produktif • Individual Facilities Account • Joint Account (Or, And, QQ) UOB Lady’s Account Proof of Account Ownership Credit Cards U-Save Passbook Loans U-Plan Benefits Privilege Banking UOB Gold Saving • Daily interest is higher than other Savings interest. Account • Flexibility in determining the period of time • Flexibility in determining debit dates (5, 15, 27) Wealth Banking Tabunganku • Flexibility in increasing the amount of monthly deposits/Top Up (it does not apply to Prize Program Packages) • Flexibility in adding balance to your UOB Saving Plan account (it does not apply to Prize Program Packages) Investment & Simpanan Pelajar Bancassurance Treasury Products Tabungan Biz88 Operational U-BIZ88 Network 1 2 3 4 Next >> 1.5. U-Plan 2 HOME Savings Account TMRW Account U-Plan Current Account Stash Account Features One Account Having a Master account for monthly automatic debits (U-Save/UOB Gold Saving Account/Privilege Account Term Deposits d/h. UOB High Yield Account/Tabunganku/Stash/One Account) Privilege General Terms & Account Initial deposit • Regular : Free Interest Calculation Valas Produktif • Program : In accordance with the program package Account Facilities Minimum monthly deposit • Regular : Min. Rp. 100,000 UOB Lady’s Account • Program : In accordance with the package of each program Credit Cards Period Min. 12 bulan. Max 120 bulan U-Save Debit dates The 5th, 15th, or 27th of each month (according to customer's choice) Loans U-Plan Interest rate • Regular : 3.0% p.a. : In accordance with the interest rate of each Privilege Banking UOB Gold Saving • Program Account ongoing program Wealth Banking Tabunganku *Interest rates are not binding and subject to change at any time. For the most recent information on interest rate, please contact the Investment & Simpanan Pelajar nearest branch or UOB Contact Center Bancassurance Treasury Products Tabungan Biz88 Tax on interest 20% of interest per month Operational U-BIZ88 Network << Prev 1 2 3 4 Next >> 1.5. U-Plan 3 HOME Savings Account TMRW Account U-Plan Current Account Stash Account Fees Monthly administration fee Free Term Deposits One Account Inter-branch cash deposit fee Free Privilege General Terms & Automatic Fund Transfer Fee Account Free Interest Calculation Valas Produktif Passbook replacement fee Free Facilities Account Account closing fee due to break • Regular : UOB Lady’s Account 1% of the book balance on the U-Plan at the break. Credit Cards • Program : U-Save 1% of the book balance on the U-Plan at the break PLUS prize Loans penalties as determined earlier. U-Plan Prize penalty fee In accordance with the applicable program Privilege Banking UOB Gold Saving provisions. Account Wealth Banking Terms of Maturity Tabunganku The U-Plan account is considered mature if the number of successful debits is the same as the tenor chosen by Investment & Simpanan Pelajar the customer and the last successful debit has been deposited for 1 (one) month. The maturity date can be Bancassurance delayed from the original scheme if there is a failure in the final debit due to insufficient balance or late deposit of Treasury Products Tabungan Biz88 debit funds in the main account. Operational U-BIZ88 Network << Prev 1 2 3 4 Next >> 1.5. U-Plan 4 HOME Savings Account TMRW Account U-Plan Current Account Stash Account Risks One Account • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing Term Deposits institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Privilege Insurance Corporation (LPS) or other replacing institutions in the future. General Terms & Account • If the balance in the main account is insufficient, the first debit failure will occur. Interest Calculation Valas Produktif • If the debit failures reach 3 times in a row, the U Plan account will automatically be closed by the system. Facilities Account • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Customer's obligations to the Bank. UOB Lady’s Account Credit Cards U-Save Loans U-Plan Privilege Banking UOB Gold Saving Account Wealth Banking Tabunganku Investment & Simpanan Pelajar Bancassurance Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 1.3. UOB Gold Saving Account 1 HOME Savings Account TMRW Account UOB Gold Saving Account A savings in Rupiah currency, which is equipped with various facilities that provide Current Account Stash Account convenience for customers in carrying out daily and business transactions. Term Deposits One Account Type of Account Privilege • Individual General Terms & Account • Legal Entity/Business Entity (except Financial institution) Interest Calculation Valas Produktif • Joint Customers/Joint Account (Or, And, QQ) Account Facilities Proof of Account Ownership UOB Lady’s Account • Passbook Credit Cards • Debit/ATM Card U-Save **For Corporate customers, ATM cards can only be used for checking the balance Loans U-Plan Benefits • Over Draft Safeguard Facility, a facility that allows customers to make automatic transfers from the UOB Privilege Banking UOB Gold Saving Account Gold Saving Account to the customer's Current Account, so that the shortage of Current Account funds can be minimized. Wealth Banking Tabunganku • ** it only applies to Corporate customers • Free 30 times local clearing deposit fee, if the average balance of UOB Gold Saving Account is at a Investment & Simpanan Pelajar minimum of Rp. 25,000,000 Bancassurance • ** it only applies to Corporate customers • Autodebit for PLN, Telkom, Telkomsel, Satelindo Monthly Bill. Treasury Products Tabungan Biz88 • SMS Alert Facility, information on various important transactions to customer's mobile phone via SMS. The customer only needs to choose the type of transaction required (Incoming Money Transfer, Clearing Reject, Operational U-BIZ88 Debit Card Transactions and Auto Debit Bill Payment). Network 1.3. UOB Gold Saving Account 2 HOME Savings Account TMRW Account UOB Gold Saving Account Features (Individual Account) Current Account Stash Account Initial deposit Rp. 500,000 Term Deposits One Account Next deposit Free Min. remaining balance Rp. 100,000 Privilege General Terms & Account Interest Calculation Interest rate (Private Account)* • up to Rp. 5 million : 0.00% p.a. Valas Produktif • > Rp. 5 million : 0.25% p.a. Account Facilities Tax on interest 20% of interest per month UOB Lady’s Account Features (Corporate Account) Credit Cards Initial deposit Rp. 500,000 U-Save Next deposit Free Loans U-Plan Min. remaining balance Rp. 100,000 Interest rate (Private Account)* • < Rp. 5.Juta : 0.00% p.a. Privilege Banking UOB Gold Saving Account • Rp. 5 million - < Rp. 100 million : 0.10% p.a. Wealth Banking • Rp. 100 million - < Rp. 1 Billion : 0.25% p.a. Tabunganku • Rp. 1 Billion - < Rp. 10 Billion : 0.50% p.a. Investment & • >= Rp. 10 Billion : 1.00% p.a. Simpanan Pelajar Bancassurance * Interest rates are not binding and subject to change at any time. For the most recent information on interest rate, please contact the Treasury Products Tabungan Biz88 nearest branch or UOB Contact Center. Operational U-BIZ88 Tax on interest 20% of interest per month Network << Prev 1 2 3 4 Next >> 1.3. UOB Gold Saving Account 3 HOME Savings Account TMRW Account UOB Gold Saving Account Fees Current Account Stash Account Monthly administration fee Private Account Active Account One Account Term Deposits • Average balance < Rp. 75,000,000 : Rp. 5,000 Privilege • Average balance ≥ Rp. 75,000,000 : Free General Terms & Account Inactive account* : Free Interest Calculation Valas Produktif Corporate Account Active Facilities Account Account • Average balance < Rp. 1,000,000 : Rp. 25,000 UOB Lady’s Account Credit Cards • Average balance ≥ Rp. 1,000,000 : Rp. 10,000 Inactive account* : Rp. 50,000 U-Save Loans * Inactive account is a dormant account, that is, if there are no U-Plan transfers, either withdrawals or deposits for 12 consecutive Privilege Banking UOB Gold Saving months. Account Passbook replacement fee Free Wealth Banking Monthly Debit Card administration fee Free Tabunganku Debit Card Replacement Fee (Lost/Damaged) Rp. 10,000 Investment & Simpanan Pelajar ATM PIN change Rp. 5,000 Bancassurance Inter-branch cash deposit fee Free Treasury Products Tabungan Biz88 Account closing fee (Individual) Rp. 100,000 Operational U-BIZ88 Account closing fee (Perusahaan) Rp. 50,000 Network << Prev 1 2 3 4 Next >> 1.3. UOB Gold Saving Account 4 HOME TMRW Account Savings Account UOB Gold Saving Account Current Account Stash Account Risks • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing Term Deposits One Account institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Privilege Insurance Corporation (LPS) or other replacing institutions in the future. General Terms & Account Interest Calculation • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due Valas Produktif to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Facilities Account Customer. UOB Lady’s Account • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Credit Cards Customer's obligations to the Bank. U-Save • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the use Loans of the account is not in accordance with the purpose of account opening. U-Plan • Funds to cover the shortfall in the Current Account derives from the UOB Gold Saving related. If the available UOB Gold Saving funds are insufficient, the Bank will only pay if the funds are available to the Privilege Banking UOB Gold Saving Bank. Account Wealth Banking Tabunganku Investment & Simpanan Pelajar Bancassurance Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 1.7. Tabunganku 1 HOME TMRW Account Savings Account Tabunganku Current Account Stash Account It is a deposit in rupiah currency and fere of Monthly administration fee, which is a joint savings product of Banks in Indonesia from participating banks. Term Deposits One Account Privilege Type of Account General Terms & Account Interest Calculation Individual (it does not apply to Joint Accounts (Or, And) Valas Produktif Facilities Account UOB Lady’s Account Proof of Account Ownership Credit Cards • Passbook U-Save • Debit/ATM Card Loans Benefits U-Plan • Affordable initial deposit Privilege Banking UOB Gold Saving • Daily interest, the bigger the balance, the higher the interest earned. Account Wealth Banking Features Tabunganku 1 Customer is only allowed to have 1 TabunganKu account per entity and only valid for single name or QQ. Investment & Simpanan Pelajar Bancassurance Initial deposit Rp. 20,000 Treasury Products Tabungan Biz88 Next deposit Minimal Rp. 10,000 Min. remaining balance Rp. 20,000 Operational U-BIZ88 Network 1 2 3 Next >> 1.7. Tabunganku 2 HOME TMRW Account Savings Account Tabunganku Current Account Stash Account Features Interest rate up to Rp. 500,000 : 0.00% p.a. Term Deposits One Account Rp. 500,000 – Rp. : 0.25% p.a. Privilege General Terms & 1,000,000 Rp. 1,000,000 Account : 1.00% p.a. Interest Calculation *Interest rates are not binding and subject to change at any time. Valas Produktif Facilities Account For the most recent information on interest rate, please contact the nearest branch or UOB Contact Center UOB Lady’s Account Credit Cards Tax on interest 20% of interest per month. U-Save Loans Fees U-Plan Monthly administration fee • Active Account : Free Privilege Banking UOB Gold Saving • Inactive account : Rp. 2,000 Account Inactive account is a dormant account, that is, if there are no Wealth Banking Tabunganku mutations, either withdrawals or deposits for 12 consecutive months. Investment & Simpanan Pelajar Bancassurance Monthly Debit Card administration fee Rp. 2,500 Treasury Products Tabungan Biz88 Debit Card Replacement Fee Rp. 10,000 (Lost/Damaged) Operational U-BIZ88 Network << Prev 1 2 3 Next >> 1.7. Tabunganku 3 HOME TMRW Account Savings Account Tabunganku Current Account Stash Account Fees ATM PIN change Rp. 5,000 Term Deposits One Account Inter-branch cash deposit fee Free Privilege General Terms & Account closing fee Rp. 20,000 Account Interest Calculation Valas Produktif Risks Facilities Account • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing UOB Lady’s Account institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Credit Cards Insurance Corporation (LPS) or other replacing institutions in the future. U-Save • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due Loans to smaller Deposit interest earned by the Customer compared to the administration fee charged to the U-Plan Customer. • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Privilege Banking UOB Gold Saving Customer's obligations to the Bank. Account Wealth Banking Tabunganku Investment & Simpanan Pelajar Bancassurance Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 1.8. Simpanan Pelajar 1 HOME Savings Account TMRW Account Simpanan Pelajar (SimPel) Current Account Stash Account It is a deposit in rupiah currency for students under 17 years old which is a product of savings of Banks in Indonesia from the participating banks. Term Deposits One Account Privilege Type of Account General Terms & Account Interest Calculation It is opened on behalf of students (not QQ or joint account) Valas Produktif Facilities Account Proof of Account Ownership UOB Lady’s Account Credit Cards Passbook U-Save Loans Benefits U-Plan Affordable initial deposit Privilege Banking UOB Gold Saving Account Features Wealth Banking Tabunganku One student is only allowed to have 1 (one) SimPel account at UOBI Initial deposit Investment & Rp. 5,000 Simpanan Pelajar Bancassurance Next deposit Minimal Rp. 1,000 Min. remaining balance Rp. 5,000 Treasury Products Tabungan Biz88 Interest rate 0.00% Operational U-BIZ88 Network 1 2 Next >> 1.8. Simpanan Pelajar 2 HOME Savings Account TMRW Account Simpanan Pelajar (SimPel) Current Account Stash Account Fees Monthly administration fee • Active Account : Free One Account Term Deposits • Inactive account : Rp. 1.000,- Privilege Inactive account is a dormant account, that is, if there are no General Terms & Account Interest Calculation mutations, either withdrawals or deposits for 12 consecutive Valas Produktif months. Facilities Account Inter-branch cash deposit fee Free UOB Lady’s Account Credit Cards Account closing fee Rp. 5,000 U-Save Risks Loans U-Plan • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Privilege Banking UOB Gold Saving Insurance Corporation (LPS) or other replacing institutions in the future. Account • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced Wealth Banking Tabunganku due to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Customer. Investment & Simpanan Pelajar • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Bancassurance Customer's obligations to the Bank. • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the Tabungan Biz88 Treasury Products use of the account is not in accordance with the purpose of account opening. Operational U-BIZ88 Network << Prev 1 2 1.9. Tabungan Biz88 1 HOME Savings Account TMRW Account Tabungan Biz88 Current Account Stash Account It is a deposit in Rupiah currency to conduct business transactions and provide a benefit of transaction cashbacks for the Customer. Withdrawal media can use a passbook (Bank Term Deposits One Account Statement), ATM card/other payment orders or transfer. For business entity customers, ATM cards can only be used to check balances. Privilege General Terms & Account Interest Calculation Type of Account Valas Produktif • Individual Account Facilities • Legal Entity/Business Entity UOB Lady’s Account Proof of Account Ownership Credit Cards U-Save • Bank Statement Loans • Passbook U-Plan Benefits Privilege Banking UOB Gold Saving Account It provides the advantage of exemption from transaction fees and competitive interest rates Wealth Banking Features Tabunganku Initial deposit Individual Customers : Rp. 1,500,000 Investment & Simpanan Pelajar Bancassurance Legal Entity/Business Customers : Rp. 2,500,000 Next deposit Free Treasury Products Tabungan Biz88 Min. remaining Rp. 50,000 Operational U-BIZ88 balance Network 1 2 3 4 Next >> 1.9. Tabungan Biz88 2 HOME Savings Account TMRW Account Tabungan Biz88 Features Current Account Stash Account Interest rate 0 – Rp.250.000.000 : 0.28% p.a. Term Deposits One Account Rp.250.000.000 – Rp.500.000.000 : 0.88% p.a. Privilege Rp.500.000.000 – Rp.2.000.000.000 : 1.68% p.a. General Terms & Account Rp.2.000.000.000 – Rp.5.000.000.000 : 2.08% p.a. Interest Calculation Valas Produktif Rp.5.000.000.000 – Rp.10.000.000.000 : 2.28% p.a. Account Facilities Rp.10.000.000.000 – Rp.25.000.000.000 : 2.58% p.a. UOB Lady’s Account ≥ Rp.25.000.000.000 : 2.68% p.a. Credit Cards *Interest applies progressively, and subject to change at any time. U-Save Loans Cashback Transaction Cashbacks* Average U-Plan Clearing balance LLG RTGS Admin Fee Deposit Privilege Banking UOB Gold Saving Account Rp 0 - 50 million - - - Rp. 35,000 Wealth Banking Rp 50 million - Rp 100 million (Max. 30) (Max. 50) (Max. 7) Free Tabunganku Investment & Rp 100 million - Rp 1 Billion (Max. 50) (Max. 100) (Max. 10) Free Simpanan Pelajar Bancassurance Above Rp 1 Billion ** (Max. 250) (Max. 500) (Max. 50) Free Treasury Products Tabungan Biz88 Operational U-BIZ88 Tax on interest 20% of interest per month. Network << Prev 1 2 3 4 Next >> 1.9. Tabungan Biz88 3 HOME Savings Account TMRW Account Tabungan Biz88 Current Account Stash Account Biaya Term Deposits One Account Monthly administration fee Rp. 35,000 (Free for an average balance above Rp. 50 million) Monthly Debit Card administration fee Free Privilege General Terms & Account Debit Card Replacement Fee (Lost/Damaged) Rp. 10,000 Interest Calculation Valas Produktif ATM PIN change Rp. 5,000 Account Facilities Inter-branch cash deposit fee Free UOB Lady’s Account Instant statement printing fee Rp. 2,500 per request Credit Cards Bank Statement re-printing • Less than 1 year : Rp. 25,000 or equivalent. U-Save Loans • More than 1 year : Rp. 50,000 or equivalent. U-Plan Printing Fee/Instant Statement Rp. 2,500 Privilege Banking UOB Gold Saving Standing Instruction fee Rp. 10,000 (excluding LLG/KU/RTGS fees). Account Account closing fee Rp. 50,000 Wealth Banking Rp. 50,000 per month Tabunganku Inactive account Investment & Simpanan Pelajar Bancassurance Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 Next >> 1.9. Tabungan Biz88 4 HOME Savings Account TMRW Account Tabungan Biz88 Current Account Stash Account Risks • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing One Account Term Deposits institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Privilege General Terms & Insurance Corporation (LPS) or other replacing institutions in the future. Account Interest Calculation • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced Valas Produktif Facilities Account due to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Customer. UOB Lady’s Account Credit Cards • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the U-Save Customer's obligations to the Bank. Loans • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the U-Plan use of the account is not in accordance with the purpose of account opening. Privilege Banking UOB Gold Saving • Inactive Accounts can be closed by the Bank. Account Wealth Banking Tabunganku Investment & Simpanan Pelajar Bancassurance Treasury Products Tabungan Biz88 Operational U-BIZ88 Network << Prev 1 2 3 4 1.10. U-BIZ88 1 HOME TMRW Account Savings Account U-Biz88 (Savings) Current Account Stash Account It is a Rupiah savings which is intended to conduct business transactions and provide the benefits of transaction fee exemption for the Customer. Withdrawal media uses a Term Deposits One Account Passbook/ATM Card/other payment order by way of transfer. Privilege General Terms & Account Type of Account Interest Calculation Valas Produktif • Individual (Product code : E1) Facilities Account UOB Lady’s Account Proof of Account Ownership Credit Cards • Passbook U-Save Features Loans U-Plan Initial deposit Individual Customer : Rp. 500,000 Privilege Banking UOB Gold Saving Next deposit Free Account Min. remaining balance Rp. 50,000 Wealth Banking Interest rate 0 – Rp. 25,000,000 : 0.48% p.a. Tabunganku Rp. 25,000,000 – Rp. 200,000,000 : 0.58% p.a. Investment & Simpanan Pelajar Rp. 200,000,000 – Rp. : 1.28% p.a. Bancassurance 500,000,000 Rp. 500,000,000 : 1.58% p.a. Tabungan Biz88 Treasury Products *Interest threshold applies, and subject to change at any time. Operational U-BIZ88 Network 1 2 3 Next >> 1.10. U-BIZ88 2 HOME TMRW Account Savings Account U-Biz88 (Savings) Features Current Account Stash Account Transaction Cashback * Cashback Average Term Deposits One Account balance Clearing Deposit LLG RTGS Admin Fee Privilege General Terms & Account Less than Rp 5 Interest Calculation million - - - Rp. 25,000 Valas Produktif Account Rp 5 million Facilities - - - up to Rp 10 UOB Lady’s Account million Credit Cards Rp 10 million ✔ ✔ ✔ up to Rp 25 (Max. 10) (Max. 6) (Max. 1) U-Save million Free Loans Above 25 million ✔ ✔ ✔ U-Plan (Max. 25) (Max. 15) (Max. 3) Privilege Banking UOB Gold Saving *It applies monthly. Transaction fees will be credited to the customer's account in the following month. Account Wealth Banking Tax on interest 20% of interest per month. Tabunganku Fees Investment & Simpanan Pelajar Bancassurance Monthly administration fee Rp. 25,000 (Free for balance above Rp. 5 million) Monthly Debit Card administration fee Free Treasury Products Tabungan Biz88 Debit Card Replacement Fee (Lost/Damaged) Rp. 10,000 Operational U-BIZ88 Network << Prev 1 2 3 Next >> 1.10. U-BIZ88 3 HOME TMRW Account Savings Account U-Biz88 (Savings) Stash Account Current Account Fees ATM PIN change Rp. 5,000 Term Deposits One Account Inter-branch cash deposit fee Free Privilege General Terms & Account Account closing fee Rp. 50,000 Interest Calculation Valas Produktif Inactive account There are no mutations, either withdrawals or deposits, for 12 Facilities Account consecutive months. UOB Lady’s Account Risks Credit Cards • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing U-Save institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Loans U-Plan Insurance Corporation (LPS) or other replacing institutions in the future. • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due Privilege Banking UOB Gold Saving Account to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Wealth Banking Customer. Tabunganku • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Investment & Simpanan Pelajar Customer's obligations to the Bank. Bancassurance • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the Treasury Products Tabungan Biz88 use of the account is not in accordance with the purpose of account opening. Operational U-BIZ88 • Inactive Accounts can be closed by the Bank. Network << Prev 1 2 3 2.1. Giro Rupiah 1 HOME Savings Account Giro Rupiah Giro Rupiah Current Account Giro Valas SGD It is a deposit in rupiah currency that is intended to conduct business transactions, with withdrawal media which uses a Cheque/Current Account Bilyet/ ATM Card/other payment orders by way of book-entry. Term Deposits Giro 88 Type of Account General Terms & U-BIZ88 Interest Calculation • Individual • Legal Entity/Business Entity Facilities • Joint Customer/Joint Account (Or, And) Proof of Account Ownership Credit Cards • Bank Statement Loans • ATM Card (For corporate customers, ATM cards can only be used to check balances). Benefits Privilege Banking • It can be linked to UOB Gold Saving Account Savings to obtain an Overdraft Safeguard Facility. • Autodebit for PLN, Telkom, Telkomsel, Satelindo Monthly Bills. Wealth Banking Features Investment & Bancassurance Initial deposit Individual Customer : Rp. 1,500,000 Legal Entity/Business Customers : Rp. 2,500,000 Treasury Products Next deposit Free Operational Min. remaining balance Free Network 1 2 3 4 Next >> 2.1. Giro Rupiah 2 HOME Savings Account Giro Rupiah Giro Rupiah Current Account Giro Valas SGD Fitur Interest Rate < Rp.5.000.000 : 0.00% p.a. Term Deposits Giro 88 Rp.5.000.000 - < Rp.100.000.000 : 0.10% p.a. General Terms & U-BIZ88 Rp.100.000.000 - < Rp.1.000.000.000 : 0.25% p.a. Interest Calculation Rp.1.000.000.000 - < Rp.10.000.000.000 : 0.50% p.a. Facilities ≥ Rp.10.000.000.000 : 1.00% p.a. *Interest rates are not binding and subject to change at any time Credit Cards Tax on Interest 20% of interest per month Loans Fees Privilege Banking Monthly administration fee Rp. 35,000 Monthly Debit Card administration fee Free Wealth Banking Debit Card Replacement Fee (Lost/ Rp. 10,000 Damaged) Investment & Bancassurance ATM PIN change Rp. 5,000 Inter-branch cash deposit fee Free Treasury Products Instant statement printing fee • Rp. 2,500 per request Operational • Equivalent USD 1 for Forex accounts Network << Prev 1 2 3 4 Next >> 2.1. Giro Rupiah 3 HOME Savings Account Giro Rupiah Giro Rupiah Current Account Giro Valas SGD Fees Bank Statement re-printing Term Deposits Giro 88 • Less than 1 year : Rp. 25,000 or equivalent. • More than 1 year : Rp. 50,000 or equivalent. General Terms & U-BIZ88 Interest Calculation Cheque/Current Account book fee Rp. 275,000 ( including stamp duty ) Cheque reject fee Facilities Rp. 25,000 (excluding clearing return fees determined by BI) Printing Fee/Instant Statement Rp. 2,500 Credit Cards Standing Instruction fee Rp. 10,000 (excluding LLG/KU/RTGS fee). Account closing fee Rp. 50,000 Loans Risks Privilege Banking • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Wealth Banking Insurance Corporation (LPS) or other replacing institutions in the future. • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced Investment & due to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Bancassurance Customer. • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Treasury Products Customer's obligations to the Bank. Operational Network << Prev 1 2 3 4 Next >> 2.1. Giro Rupiah 4 HOME Savings Account Giro Rupiah Giro Rupiah Current Account Giro Valas SGD Risks • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the Term Deposits Giro 88 use of the account is not in accordance with the purpose of account opening. • Withdrawal of blank Cheques and/or Current Account Bilyets in accordance with the provisions concerning General Terms & U-BIZ88 the National Black List will result in the Customer gradually getting the following actions: Notification I (SP1), Interest Calculation Notification 2 (SP2), Notification of Suspension of the Right to Use Cheques and/or Current Account Bilyets (SPP) and Notification of Account Closure (SPPR) and Customer's name can be listed in the National Black Facilities List. • Risks of misuse of Cheques and/or Current Account Bilyets by other parties. Credit Cards Loans Privilege Banking Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 2.2. Giro Valas 1 HOME Savings Account Giro Rupiah Giro Valas SGD Current Account Giro Valas SGD It is a deposit of funds in foreign currency which is intended to carry out business transactions, with withdrawal media which uses LoA (Letter of Authorization) other Term Deposits Giro 88 payment orders by way of book-entry. ** Currently, this product is only available in Batam & Bintan area for SGD currency only. General Terms & U-BIZ88 Interest Calculation Facilities Type of Account Credit Cards • Individual • Legal Entity/Business Entity Loans Proof of Account Ownership Privilege Banking Bank Statement. Benefits Wealth Banking Withdrawals via LoA media, which can be made at the nearest branch in Batam & Bintan area. Investment & Bancassurance Features Initial deposit SGD 150 Treasury Products Next deposit Free Operational Min. remaining balance SGD 15 Network 1 2 3 4 Next >> 2.2. Giro Valas 2 HOME Savings Account Giro Rupiah Giro Valas SGD Current Account Giro Valas SGD Features Term Deposits Giro 88 Interest rate 0 % *Interest rates are not binding and subject to change at any time. General Terms & U-BIZ88 For the most recent information on interest rate, please Interest Calculation contact the nearest branch or UOB Contact Center Facilities Biaya Credit Cards Monthly administration fee • Active Account : SGD 1,5 • Inactive account : SGD 3 Loans Inactive account is a dormant account, that is, if there are no transfers, either withdrawals or deposits for 6 consecutive Privilege Banking months. Inter-branch cash deposit fee Free Wealth Banking Bank Statement printing fee USD 1/equivalent Investment & Instant statement printing fee Equivalent USD 1 for Forex accounts Bancassurance Bank Statement re-printing • Less than 1 year : Rp. 25,000 or equivalent. Treasury Products • More than 1 year : Rp. 50,000 or equivalent. Operational Network << Prev 1 2 3 4 Next >> 2.2. Giro Valas 3 HOME Savings Account Giro Rupiah Giro Valas SGD Current Account Giro Valas SGD Biaya Fee/commission for withdrawals above 0.5% for the excess. Term Deposits Giro 88 SGD 7,500 per day General Terms & U-BIZ88 Withdrawal cancellation fee USD 10/equivalent Interest Calculation Fee/Commission for deposits above 0.125% for the excess Facilities SGD 7,500 per day Letter of Authorization (LOA) Book fee Rp. 200,000 including stamp duty Credit Cards Account closing fee Vapro USD : USD 10 Loans Vapro other than USD : Rp. 100.000 Privilege Banking Risks • Customers will get a Joint Bank Statement facility if they have a Current Account or other deposits with a Wealth Banking Bank Statement facility that has the same delivery address; there is a potential for a change in Bank Statement if the address is the same but has a different name or separation is required. Investment & • Information on nominal deposits, withdrawals and fees attached to each product is not binding and will be Bancassurance charged according to applicable changes; there is a potential to cause complaints if the information is not well received by the customer. Treasury Products Operational Network << Prev 1 2 3 4 Next >> 2.2. Giro Valas 4 HOME Savings Account Giro Rupiah Giro Valas SGD Current Account Giro Valas SGD Risks Term Deposits Giro 88 • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit General Terms & U-BIZ88 Insurance Corporation (LPS) or other replacing institutions in the future. Interest Calculation • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Facilities Customer. • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Credit Cards Customer's obligations to the Bank. • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the use of the account is not in accordance with the purpose of account opening. Loans Privilege Banking Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 2.3. Giro 88 1 HOME Savings Account Giro Rupiah Giro 88 Current Account Giro Valas SGD It is a deposit in Rupiah which is intended to conduct business transactions and provide Transaction Cashback benefits for the Customer. Withdrawal media uses Cheque/Current Account Bilyet/ATM Card/other payment orders by way of transfer. For Term Deposits Giro 88 business entity customers, ATM cards can only be used to check balances. General Terms & Interest Calculation U-BIZ88 Type of Account Facilities • Individual • Legal Entity/Business Entity Credit Cards Proof of Account Ownership Bank Statement Loans Benefits Privilege Banking It provides the advantage of exemption from transaction fees and competitive interest rates Wealth Banking Features Investment & Initial deposit Individual Customer : Rp. 1,500,000 Bancassurance Legal Entity/Business Customers : Rp. 2,500,000 Next deposit Free Treasury Products Min. remaining balance Free Operational Network 1 2 3 4 Next >> 2.3. Giro 88 2 HOME Savings Account Giro Rupiah Giro 88 Features Current Account Giro Valas SGD Interest Rates 0 – Rp.250.000.000 : 0.28% p.a. Term Deposits Giro 88 Rp.250.000.000 – Rp.500.000.000 : 0.88% p.a. Rp.500.000.000 – Rp.2.000.000.000 : 1.68% p.a. General Terms & Interest Calculation U-BIZ88 Rp.2.000.000.000 – Rp.5.000.000.000 : 2.08% p.a. Rp.5.000.000.000 – Rp.10.000.000.000 : 2.68% p.a. Facilities Rp.10.000.000.000 – Rp.25.000.000.000 : 2.98% p.a. ≥ Rp.25.000.000.000 : 3.08% p.a. Credit Cards *Interest applies progressively, and subject to change at any time. Loans Cash Back Transaction Cashback * Average Clearing Cheque Admin balance LLG RTGS Privilege Banking Deposit Books / BG Fee Rp 0 – 50 million - - - - Rp. 35,000 Wealth Banking Rp 50 million – Rp 100 million (Max. 50) (Max. 30) (Max. 2) (Max. 1) Free Investment & Rp 100 million - Rp 1 Billion (Max. 100) (Max. 50) (Max. 5) (Max. 1) Free Bancassurance Above Rp 1 Billion* (Max. 500) (Max. 250) (Max. 50) (Max. 1) Free *It applies monthly. Transaction fees will be credited to the customer's account in the following month. Treasury Products Tax on Interest 20% of interest per month Operational Network << Prev 1 2 3 4 Next >> 2.3. Giro 88 3 HOME Savings Account Giro Rupiah Giro 88 Current Account Giro Valas SGD Biaya Monthly administration fee Rp. 35,000 (Free for balance above IDR 50juta) Term Deposits Giro 88 Monthly Debit Card administration fee Free General Terms & Debit Card Replacement Fee (Lost/ Rp. 10,000 U-BIZ88 Interest Calculation Damaged) Facilities ATM PIN change Rp. 5,000 Inter-branch cash deposit fee Free Credit Cards Instant statement printing fee • Rp. 2,500 per request Bank Statement re-printing • Hardcopy Loans Less than 1 year : Rp. 25,000 or equivalent. More than 1 year : Rp. 50,000 or equivalent. Privilege Banking • Softcopy Less than 1 year : Rp. 10,000 or equivalent. Wealth Banking More than 1 year : Rp. 25,000 or equivalent. Investment & Cheque/Current Account Book fee Rp. 275,000 ( including stamp duty ) Bancassurance Cheque reject fee Rp. 25,000 (excluding clearing return fees determined by BI) Treasury Products Printing/Instant Statement fee Rp. 2,500 Standing Instruction fee Rp. 10,000 (excluding LLG/KU/RTGS fee). Operational Network << Prev 1 2 3 4 Next >> 2.3. Giro 88 4 HOME Savings Account Giro Rupiah Giro 88 Current Account Giro Valas SGD Biaya Account closing fee Rp. 50,000 Term Deposits Giro 88 Inactive Account Rp. 50,000 per month General Terms & Risks Interest Calculation U-BIZ88 • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing Facilities institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Insurance Corporation (LPS) or other replacing institutions in the future. Credit Cards • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Loans Customer. • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Privilege Banking Customer's obligations to the Bank. • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the use of the account is not in accordance with the purpose of account opening. Wealth Banking • Withdrawal of blank Cheques and/or Current Account Bilyets in accordance with the provisions concerning Investment & the National Black List will result in the Customer gradually getting the following actions: Notification I Bancassurance (SP1), Notification 2 (SP2), Notification of Suspension of the Right to Use Cheques and/or Current Account Bilyets (SPP) and Notification of Account Closure (SPPR) and Customer's name can be listed in the Treasury Products National Black List. • Risks of misuse of Cheques and/or Current Account Bilyets by other parties. Operational Network << Prev 1 2 3 4 2.4. U-BIZ88 Giro 1 HOME Savings Account Giro Rupiah U-Biz88 (Current Account) Current Account Giro Valas SGD It is a deposit in Rupiah which is intended to conduct business transactions and provide the benefit of transaction fee exemption for the Customer. Withdrawal media uses Term Deposits Giro 88 Cheque/Current Account Bilyet/ATM Card/other payment orders by way of transfer. General Terms & Type of Account Interest Calculation U-BIZ88 • Individual (Product code: E2) Facilities • Legal Entity/Business Entity (Product code : E3) Proof of Account Ownership Credit Cards • Bank Statement Features Loans Initial deposit Individual Customer : Rp. 500,000 Privilege Banking Legal Entity/Business Customers : Rp. 1,500,000 Next deposit Free Wealth Banking Min. remaining balance Rp. 50,000 Interest rate 0 – Rp. 25,000,000 Rp. : 0.48% p.a. Investment & 25,000,000 – Rp. 200,000,000 : 0.58% p.a. Bancassurance Rp. 200,000,000 – Rp. : 1.28% p.a. Treasury Products 500,000,000 Rp. 500,000,000 : 1.58% p.a. Operational *Interest threshold applies, and subject to change at any time. Network 1 2 3 4 Next >> 2.4. U-BIZ88 Giro 2 HOME Savings Account Giro Rupiah U-Biz88 (Current Account) Current Account Giro Valas SGD Features Transaction Cashback * Cash Back Average Term Deposits Giro 88 balance Clearing Deposit LLG RTGS Admin Fee General Terms & Interest Calculation U-BIZ88 Less than Rp 5 - - - Rp. 25,000 million Facilities Rp 5 million up to - - - Rp 10 million Credit Cards Rp 10 million up ✔ ✔ ✔ Free to Rp 25 million (Max. 10) (Max. 6) (Max. 1) Loans Above 25 million ✔ ✔ ✔ (Max. 25) (Max. 15) (Max. 3) Privilege Banking *It applies monthly. Transaction fees will be credited to the customer's account in the following month. Wealth Banking Tax on interest 20% of interest per month. Fees Investment & Bancassurance Monthly administration fee Rp. 25,000 (Free for balance above IDR 5juta) Monthly Debit Card administration fee Free Treasury Products Debit Card Replacement Fee (Lost / Rp. 10,000 Operational Damaged) Network << Prev 1 2 3 4 Next >> 2.4. U-BIZ88 Giro 3 HOME Savings Account Giro Rupiah U-Biz88 (Current Account) Current Account Giro Valas SGD Fees ATM PIN change Rp. 5,000 Term Deposits Giro 88 Inter-branch cash deposit fee Free General Terms & Instant statement printing fee Rp. 2,500 per request Interest Calculation U-BIZ88 Bank Statement re-printing • Less than 1 year : Rp. 25,000 or equivalent. Facilities • More than 1 year : Rp. 50,000 or equivalent. Cheque/Current Account Book fee Rp. 275,000 ( including stamp duty ) Credit Cards Cheque reject fee Rp. 25,000 (excluding clearing return fees determined by BI) Printing Fee/Instant Statement Rp. 2,500 Loans Standing Instruction fee Rp. 10,000 (excluding LLG/KU/RTGS fee). Account closing fee Rp. 50,000 Privilege Banking Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 Next >> 2.4. U-BIZ88 Giro 4 HOME Savings Account Giro Rupiah U-Biz88 (Current Account) Current Account Giro Valas SGD Risks • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing Term Deposits Giro 88 institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Insurance Corporation (LPS) or other replacing institutions in the future. General Terms & • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due Interest Calculation U-BIZ88 to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Facilities Customer. • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Credit Cards Customer's obligations to the Bank. • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the Loans use of the account is not in accordance with the purpose of account opening. Privilege Banking • Inactive Accounts can be closed by the Bank. • Regarding the U-Biz88 Current Account type offer for non-individual customers, withdrawal of blank Cheques Wealth Banking and/or Current Account Bilyets in accordance with the provisions concerning the National Black List will result in the Customer gradually getting the following actions: Notification I (SP1), Notification 2 (SP2), Notification Investment & of Suspension of the Right to Use Cheques and/or Current Account Bilyets (SPP) and Notification of Account Bancassurance Closure (SPPR) and Customer's name can be listed in the National Black List. Treasury Products • Risks of misuse of Cheques and/or Current Account Bilyets by other parties. Operational Network << Prev 1 2 3 4 3.1. Deposito Rupiah 1 HOME Savings Account Time Deposits Rupiah Time Deposits Rupiah Current Account Time Deposits It is a time deposit in Rupiah currency which provides a competitive interest rate Forex which is calculated on a daily basis until maturity. Term Deposits Type of Account General Terms & • Individual Interest Calculation • Legal Entity/Business Entity • Joint Account (Or, And, QQ) Facilities Proof of Account Ownership Credit Cards Bilyet Deposit/Advice Loans Benefits • Flexibility in determining the nominal placement and time period. Privilege Banking • Flexibility in choosing the payment method of interest. Wealth Banking Features Minimum Placement Placement through Branches Investment & • Tenor of 1, 3, 6 & 12months : Rp. 8,000,000 Bancassurance • Tenor of 1 & 2 weeks : Rp. 1,000,000,000 Treasury Products Online Placement through PIB Operational • Tenor of 1, 3, 6months : Rp. 10,000,000 Network 1 2 3 4 Next >> 3.1. Deposito Rupiah 2 HOME Savings Account Time Deposits Time Deposits Rupiah Rupiah Features Current Account Time Deposits Forex Interest rate (counter rate) Rupiah Time Deposit - Individual Term Deposits Tenor of 1 Month > Rp. 8,000,000 : 2.75% p.a. Tenor of 3 Months > Rp. 8,000,000 : 2.75% p.a. General Terms & Interest Calculation Tenor of 6 Months > Rp. 8,000,000 : 2.75% p.a. Tenor of 12 Months > Rp. 8,000,000 : 2.75% p.a. Facilities Rupiah Time Deposit – Non Individual Rupiah (1.3.6 and Credit Cards 12 months) 0 - < Rp.100.000.000 : 2.50% p.a. Loans Rp.100.000.000 - < Rp.500.000.000 : 2.50% p.a. Rp.500.000.000 - < Rp.1.000.000.000 : 2.75 % p.a. Privilege Banking Rp.1.000.000.000 - < Rp.5.000.000.000 : 2.75 % p.a. ≥ Rp.5.000.000.000 : 2.75 % p.a. Wealth Banking On-Call Deposit – Individual Rupiah Investment & 1 week placement ≥ Rp. 1,000,000,000 : 1.90% p.a. Bancassurance 2 weeks placement ≥ Rp. 1,000,000,000 : 2.00% p.a. Treasury Products 3 weeks placement ≥ Rp. 1,000,000,000 : 2.10% p.a. Operational Network << Prev 1 2 3 4 Next >> 3.1. Deposito Rupiah 2 HOME Savings Account Time Deposits Time Deposits Rupiah Rupiah Features Current Account Time Deposits Forex Interest rate (counter rate) On-Call Deposit – Non Individual Rupiah 1 week placement ≥ Rp. 1,000,000,000 : 1.50% p.a. Term Deposits 2 weeks placement ≥ Rp. 1,000,000,000 : 1.50% p.a. General Terms & 3 weeks placement ≥ Rp. 1,000,000,000 : 1.50% p.a. Interest Calculation Online Deposit Facilities Tenor of 1 Month : 3.25% p.a. Credit Cards Tenor of 3 Months : 3.35% p.a. Tenor of 6 Months : 3.50% p.a. Loans *Interest rates are not binding and subject to change at any time. For the most recent information on interest rate, please contact the nearest branch or UOB Contact Center Privilege Banking Tax on interest 20% of interest per month Wealth Banking Year Base for Interest Calculation 365 days Investment & Interest Payment Options • Transfer to UOB Account Bancassurance • ARO of Principal Treasury Products Operational Network << Prev 1 2 3 4 Next >> 3.1. Deposito Rupiah 3 HOME Savings Account Time Deposits Rupiah Time Deposits Rupiah Current Account Time Deposits Features Forex If the maturity date of deposit is a holiday, the deposit will automatically Disbursement Term Deposits be disbursed on the following working day, except for the cross month General Terms & maturity, the payment will be advanced/made earlier. Interest Calculation Fees Facilities Penalty Fee for Disbursement 1.00% of the nominal Deposit Before Maturity Credit Cards Risks Loans • Withdrawals before the maturity date will be subject to a penalty of 1.00% of the principal of deposit. • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing Privilege Banking institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Insurance Corporation (LPS) or other replacing institutions in the future. Wealth Banking • The Customer's Savings Balance including the Minimum Balance therein has the potential to be reduced due to smaller Deposit interest earned by the Customer compared to the administration fee charged to the Investment & Customer. Bancassurance • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Customer's obligations to the Bank. Treasury Products • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the use of the account is not in accordance with the purpose of account opening. Operational Network << Prev 1 2 3 4 3.2. Deposito Valas 1 HOME Savings Account Time Deposits Rupiah Time Deposits Forex Time Deposits Current Account It is a time deposit in foreign currency which provides a competitive interest rate which is Forex calculated on a daily basis until maturity. Term Deposits Type of Account General Terms & • Individual Interest Calculation • Legal Entity/Business Entity • Joint Account (Or, And, QQ) Facilities Credit Cards Bilyet Deposit/Advice Benefits Loans • Flexibility in determining the nominal placement and tenors. • Flexibility in choosing the payment method of interest. Privilege Banking • Various foreign currency options. Wealth Banking Features Minimum placement • Tenor of 1, 3, 6 & 12 months : Investment & USD 1,000 CHF 1,000 EUR 1,000 Bancassurance SGD 1,500 AUD 1,000 JPY 85,000 Treasury Products GBP 1,000 NZD 1,500 Operational HKD 8,000 CAD 1,000 Network 1 2 3 Next >> 3.2. Deposito Valas 2 HOME Savings Account Time Deposits Rupiah Time Deposits Forex Current Account Time Deposits Features Forex Minimum placement • Tenor of 1 & 2 weeks : Term Deposits USD 100,000 EUR 100,000 Tax on interest 20% of interest per month General Terms & Interest rate Non USD (1,3,6,12 months) Interest Calculation : 0.00% pa AUD, EUR, GBP, HKD, JPY : 0.00% p.a. Facilities NZD, CAD, CNY, CHF, SEK : 0.00% p.a. SGD Individual : 0.025% p.a. Credit Cards SGD Non Individual : 0.10% p.a USD (1,3,6,12 months) : 0.10% p.a. Loans USD On Call 1 weeks : 0.05% p.a. USD On Call 2 weeks Privilege Banking : 0.05% p.a. EURO On Call : 0.00% p.a. Wealth Banking SGD On Call : 0.00% p.a. Year Base for Interest Calculation 360 hari : AUD, CAD, EUR, NZD, USD, JPY & CHF Investment & 365 hari : SGD, GBP, HKD & SEK Bancassurance Interest Payment Options • Transfer via UOB Account Treasury Products • ARO of principle. Disbursement If the maturity date of deposit is a holiday, the deposit will Operational Network automatically be disbursed on the following working day << Prev 1 2 3 Next >> 3.2. Deposito Valas 3 HOME Savings Account Time Deposits Rupiah Time Deposits Forex Current Account Time Deposits Forex Fees Penalty Fee for Disbursement Before Maturity Date 0,50% of theTime Deposits ammount Term Deposits Risks General Terms & Interest Calculation • Withdrawals before the Maturity Date will be subject to a penalty of 0.5% of the principal of the deposit. • Customer Deposits are not guaranteed by the Deposit Insurance Corporation (LPS) or other replacing Facilities institutions in the future due to the Bank's interest rate which exceeds the interest rate set by the Deposit Insurance Corporation (LPS) or other replacing institutions in the future. Credit Cards • The balance of the Customer's Deposit has the potential to be compensated by the Bank in relation to the Customer's obligations to the Bank. • The account can be closed by the bank or at least the customer's transaction is rejected by the bank if the use Loans of the account is not in accordance with the purpose of account opening. Privilege Banking Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4.1. Syarat Umum Pembukaan Rekening 1 HOME General Savings Account Requirements for Account Opening General Requirements for Account Opening Current Account Example of Interest Calculation Individual • Minimum age 17 years old or married (for Savings and Deposit products) Term Deposits • Minimum age 21 years old/married (for Current Account products) • For Indonesian citizens, submit a copy of a valid KTP/SIM (and showing the General Terms & Interest Calculation original) • For foreigners, submit a copy of passport and valid KIMS/KITAS/KITAP Facilities (showing the original). • Submit a copy of the NPWP (showing the original) for customers who want to open an account Credit Cards • Not listed in DHBI (Bank Indonesia Black List) for customers who want to open a Current Account Loans Business Entity Privilege Banking • Deed of incorporation • Articles of Association and its amendments (if any) • NPWP Wealth Banking • Business License &/TDP • Company Domicile Certificate (if any) Investment & • Ratification of Legal Entities from Competent Agencies Bancassurance • Power of Attorney from the legitimate head or management to the parties appointed to conduct business relations with the Bank Treasury Products • A valid Identity Card from the parties appointed to represent a Legal/Business Entity (KTP/SIM and Operational Passport and KIMS/KITAS/KITAP for foreigners). Network 1 2 Next >> 4.1. Syarat Umum Pembukaan Rekening 2 HOME General Savings Account Requirements for Account Opening General Requirements for Account Opening Current Account Example of Interest General Requirements Calculation • Filling out the account opening application Term Deposits • Signing the General Terms & Conditions Form (Form 415) for new customers who are opening an account for the first time General Terms & • Filling out and signing the Additional Form for Opening a UOB Saving Plan Account (Form 4d) specifically Interest Calculation for opening a Saving Plan account Facilities Terms & Conditions Form • Form 415e for Savings Credit Cards • Form 415d for Productive Forex Account • Form 415c for Rupiah Current Account Loans • Form 415h for Forex Current Account • Form 415f for Deposit Privilege Banking Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 4.2. Contoh Perhitungan Bunga 1 HOME Savings Account General Requirements for Account Opening EXAMPLE OF INTEREST CALCULATION Current Account Example of Interest Calculation Normal Savings Daily Interest (including U-Biz88) • Interest is calculated daily on end-of-day balances, using the threshold interest rate Term Deposits calculation mechanism (interest paid according to the interest applicable to the end-of- General Terms & day balance). Interest Calculation • Interest is credited in the current period or month. Facilities Interest Calculation Credit Cards Gross Interest = End-of-Day Balance x % of interest Loans 360 or 365 days Interest Tax = Gross Interest x 20% Privilege Banking Net Interest = Gross Interest - Interest Tax Wealth Banking 360-day divider for currency : AUD, CAD, EUR, NZD, USD, JPY & CHF 365 day divider for currency : IDR, SGD, GBP, HKD & SEK Investment & Bancassurance Rupiah Current Account, Giro 88 & Tabungan Biz 88 Interests • Interest is calculated daily on end-of-day balances, with a progressive interest rate calculation mechanism Treasury Products (Interest rate applies in stages/in accordance with the Interest rate per balance tier). • Interest is credited in the current period or month. Operational Network 1 2 Next >> 4.2. Contoh Perhitungan Bunga 2 HOME Savings Account General Requirements for Account Opening Example of Interest Calculation Current Account Example of Interest High Yield Interest Calculation • Interest is calculated daily on the end-of-day balance Term Deposits • The amount of interest given to the balance is deposited in the account based on the customer's total AUM of other accounts linked to the UOB High Yield Account. General Terms & • Interest credited in the current period or month. Interest Calculation • Interest Calculation : Facilities Gross Interest = End-of-day balance x % of interest (based on AUM) Credit Cards 365 days Tax on Interest = Gross Interest x 20% Loans Net Interest = Gross Interest -Tax on Interest Privilege Banking Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 5.1. Kartu Debit / ATM 1 HOME Savings Account Debit Card Debit Card Current Account ATM Card facilities provided to customers who have a Savings and Current Accounts at Bank UOB Indonesia that provide security and comfort. Term Deposits Contact Center 14008 General Terms & TMRW Application Interest Calculation Benefits Facilities Personal Internet Banking (PIB) • Ease of Shopping, at more than 10 million merchants worldwide and more than 120 thousand merchants with VISA logo spread all over the world. Credit Cards BIBPlus • Ease of Transaction : Loans Safe Deposit Box Transfer, cash withdrawal and check balance transactions at ATM machines bearing the logo of (SDB) ATM Bersama, PRIMA and VISA/PLUS at more than 48,000 ATMs throughout Indonesia. Privilege Banking Free of cash withdrawal & balance check transaction fees at UOB Group ATM machines in other countries, namely: Singapore, Malaysia & Thailand. Free of cash withdrawal transaction fees up to the 15th transaction at all ATM Bersama and ATM Wealth Banking Prima machines network with a minimum balance before withdrawal of Rp. 1 million. Online transfer transactions between banks at ATM machines bearing the logo: ATM Bersama Investment & and Prima at more than 48,000 ATMs throughout Indonesia. Bancassurance To carry out bill payments and purchases through UOB Indonesia ATMs such as: UOB Credit Card bill payments, electricity (PLN)/mobile phone credit purchases, etc. Treasury Products Operational Network 1 2 3 4 Next >> 5.1. Kartu Debit / ATM 2 HOME Savings Account Debit Card Debit Card Current Account ATM Transaction Limit Term Deposits Contact Center 14008 REGULER PRIVILEGE General Terms & Cash Withdrawals Rp. 10,000,000 Rp. 10,000,000 Interest Calculation TMRW Application Transfer between UOB via ATM Rp. 25,000,000 Rp. 50,000,000 Facilities Personal Internet Banking (PIB) Transfer between other banks via ATM Rp. 25,000,000 Rp. 25,000,000 Credit Cards Transaction at Merchants Rp. 25,000,000 Rp. 50,000,000 BIBPlus Loans Safe Deposit Box Fees (SDB) Card fee Free Privilege Banking Card replacement fee Rp. 10,000 PIN change fee Rp. 5,000 Wealth Banking Card administration fee • Free Investment & • Rp. 2,500 if the card is linked to Tabunganku account Bancassurance Transfer fee . Between UOB accounts : Free Treasury Products . Through ATM Bersama/ATM Prima Network : Rp. 6,500 Operational Network << Prev 1 2 3 4 Next >> 5.1. Kartu Debit / ATM 3 HOME Savings Account Debit Card Debit Card Current Account ATM Fees . Through UOB Group Malaysia, Singapore & Thailand Cash Withdrawal : Free Term Deposits Contact Center ATM Network 14008 . Through ATM Bersama /ATM Prima Network with a General Terms & Interest Calculation TMRW Application minimum balance before transaction of Rp. 1 million 1st to 15th cash withdrawals : Free Facilities Personal Internet Banking (PIB) 16th cash withdrawal onwards : Rp. 7,500 Credit Cards . Through Visa Network : USD 2,5 BIBPlus Balance Check . Through UOB Group Malaysia, Singapore & : Free Loans Safe Deposit Box Thailand ATM Network (SDB) . Through ATM Bersama /ATM Prima Network : Rp. 4,000 Privilege Banking . Through Visa Network : USD 0,5 Wealth Banking Bill Payment & . Telkom (Telepon, Flexi, Speedy, Mobile Cash, : Rp. 2,000 Purchases Finpay, Telkomvision) Investment & . PLN (Postpaid/Prepaid/Non Bill) : Rp. 2,500 Bancassurance . Others (Credit Card UOB, Kartu Halo, Matrix, : Free Treasury Products Mentari, IM3, IM2, Simpati) Operational Network << Prev 1 2 3 4 Next >> 5.1. Kartu Debit / ATM 10 HOME Savings Account Debit Card Debit Card Current Account ATM Risks . The ATM card has a security feature in the form of a 6-digits ATM PIN. Do not use your date of birth, Term Deposits Contact Center 14008 telephone number or any number that is easy to guess as your ATM PIN because there is a risk that your General Terms & deposit balance can be withdrawn if someone else uses your ATM card. Remember yout ATM PIN and, do TMRW Application Interest Calculation not record it on the ATM card and never provide information on your PIN to other people. Facilities Personal Internet . Keep your ATM card safe because ATM cards can be used as Debit Cards to be used on EDC Debit Card Banking (PIB) machines which generally use a PIN (Personal Identification Number) as authorization. However, not all Credit Cards BIBPlus merchants or shops have an EDC Debit Card network, so they rely on the EDC Credit Card network, which is usually belongs to the Credit Card Visa/MasterCard Electronic network. It is used by swiping the card and Loans Safe Deposit Box using a signature as an authorization to validate transactions such as a credit card. This condition can be (SDB) misused if the ATM card is held by another person by using it as a Debit Card and the authorization using a Privilege Banking falsified signature. Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5.2. ATM 1 HOME Savings Account Debit Card ATM Current Account ATM A facility provided to customers who have a Savings Account, Current Account and Credit Card at Bank UOB Indonesia that provide convenience for making transactions without Term Deposits Contact Center having to queue at the Teller 14008 Features General Terms & TMRW Application Interest Calculation • Cash Withdrawal from Current Account and Savings • Balance information of Current and Savings account Personal Internet Facilities • Purchase : Banking (PIB) Prepaid Vouchers : Credit Cards BIBPlus – Simpati Telkomsel Public Facility : Loans Safe Deposit Box – PLN Prepaid (reload) (SDB) • Payment: Bank UOB Credit Card Privilege Banking Mobile Phone Payment: – Telkomsel (KartuHalo) Wealth Banking Telkom Payment – Telkom Investment & – Flexi n/a Bancassurance – Speedy n/a – Mobile Cash Treasury Products – Finpay – Transvision Operational Network 1 2 Next >> 5.2. ATM 2 HOME Savings Account Debit Card ATM Features Current Account ATM Payment of PLN electricity Term Deposits Contact Center – Postpaid 14008 – Non Electricity Bills General Terms & • Book-transfer/transfer : Interest Calculation TMRW Application Current Account/Savings Account from/to UOB Bank and other Banks (at ATM Bersama & Prima Network). Facilities Personal Internet Banking (PIB) Risks Credit Cards BIBPlus • If the system goes down during the transaction, there is a possibility that the transaction will fail and the customer's funds will be debited. The refund process is waiting for the reconciliation process to be carried Loans Safe Deposit Box out by the Bank. (SDB) • If there is a damaged machine condition or the physical condition of the money is not good, then there is a possibility that the money that comes out of the ATM machine does not match the amount being debited. Privilege Banking The refund process of money that has been debited is waiting for the reconciliation process to be carried out by the Bank. Wealth Banking • Given that ATM is highly dependent on the network from the ATM machine to the host and the system which is quite complex, if there is a disruption to the network or system it will cause ATM services to be unusable. Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 5.3. Contact Centre 14008 1 HOME Savings Account Debit Card Contact Center 14008 Current Account ATM Term Deposits Contact Center A facility provided to customers who have a Savings Account, Current Account and Credit 14008 Card at Bank UOB Indonesia that provides convenience in obtaining information without General Terms & having to come to a UOB branch. Interest Calculation TMRW Application Facilities Personal Internet Banking (PIB) Features IVR Menu and Services Credit Cards BIBPlus • Banking : Balance Information Loans Safe Deposit Box Information on the last 5 (five) transactions (SDB) Detailed information on transactions via fax (a fax number must be registered in advance, a Privilege Banking maximum of 5 fax numbers) Information on Business Banking products Information on UOB Privilege Center, Products and Privilege Banking facilities Wealth Banking Change of Phone Banking PIN Investment & • Loan : Bancassurance Information on the remaining principal of a loan Treasury Products Information on the interest rate of a loan Information on the installment maturity of a loan Operational Information on the amount of installment Network 1 2 3 4 Next >> 5.3. Contact Centre 14008 2 HOME Savings Account Debit Card Contact Center 14008 Current Account ATM Features • Credit Card : Term Deposits Contact Center Information on payment due 14008 Information on minimum payment General Terms & Information on total usage to date Interest Calculation TMRW Application Information on remaining limit available Change of Credit Card PIN Facilities Personal Internet Banking (PIB) Customer Service Representative Menu and Services Credit Cards • Banking : BIBPlus Information on products, programs and promos Information on account status, balances and transaction entries Safe Deposit Box Loans Information on ATM and branch locations and service hours (SDB) Information on foreign exchange rates Privilege Banking Change of mailing address Bank Statement re-printing Wealth Banking • Debit Card : Information on the status of ATM card Investment & Information on card replacement procedure Bancassurance Debit Card Blocking Treasury Products Operational Network << Prev 1 2 3 4 Next >> 5.3. Contact Center 3 HOME Savings Account Debit Card Contact Center 14008 Current Account ATM Features • Loan : Term Deposits Contact Center Information on products, programs and promos 14008 Accelerated repayment procedure General Terms & Request for interest rate reduction Interest Calculation TMRW Application Credit restructuring application Information on filing of application and status of application Facilities Personal Internet Submission of copies of document Banking (PIB) Credit Cards • Credit Card : BIBPlus Request for credit card replacement Information on the status of submission of Credit Card application Loans Safe Deposit Box Credit Card closing (SDB) Changes in customer data Privilege Banking Information on products, programs and promos Credit Card Activation and Blocking Wealth Banking Submission of the main card, secondary card and supplementary card Increase in permanent and temporary limit increases Investment & Billing statement reprint Bancassurance Reward point redeem Bill payment registration Treasury Products Transaction changes to installments Printing of Credit Card PIN Operational Network << Prev 1 2 3 4 Next >> 5.3. Contact Center 4 HOME Savings Account Debit Card Contact Center 14008 Current Account ATM Features • O t h e r s : Term Deposits Contact Center BiBPlus menu, PIB and Phone Banking services 14008 Receiving Customer Complaints General Terms & Interest Calculation TMRW Application Business Banking Service • Information on products Facilities Personal Internet Banking (PIB) • Information on Locations of Business Banking Branch Credit Cards BIBPlus Privilege Banking Service • Information on UOB products and Privilege Banking facilities Loans Safe Deposit Box (SDB) • Information on Locations of Privilege Banking Center Privilege Banking Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5.4. TMRW 1 HOME Savings Account Debit Card TMRW Application Current Account ATM TMRW Application is a banking application service provided by UOB Indonesia and can be used by Customers to access accounts and carry out banking transactions anytime and Term Deposits Contact Center anywhere using a smartphone. This service is provided to individual customers who have a 14008 UOB Indonesia TMRW account. General Terms & TMRW Interest Calculation Application Terms of use of TMRW Application Facilities Personal Internet • The customer has downloaded the TMRW Application on the user's smartphone, and are registered as an Banking (PIB) owner of TMRW account Credit Cards • For android smartphone users, the customer must have an operating system of at least Android 8 BIBPlus • For iPhone users, the customer must have an operating system of at least iOS version 11 Loans Safe Deposit Box Registration Mechanism (SDB) The customer downloads the TMRW Application on Google’s Playstore or Apple’s Appstore to the customer's Privilege Banking smartphone, then conduct the registration process for opening a TMRW account. Service Features Wealth Banking Through the TMRW Application service, customers can: – Get Information on their account (Balance Check, amount of Credit Card usage check, deposit check, mutual Investment & funds, total loan bills check, etc.). Bancassurance – Apply for a TMRW Credit Card, make transactions using a Credit Card. Treasury Products – Transfer funds between UOB Indonesia accounts or accounts at other banks through the Real Time Gross Settlement (RTGS), or Real Time Online (RTOL) facilities Operational – Make regular monthly bill payments such as telephone, Credit Card, PDAM, or purchase of phone credit and Network e-wallets 1 2 3 4 5 Next >> 5.4. TMRW 2 HOME Savings Account Debit Card TMRW Application TMRW Biller Service Current Account ATM 1. Credit Cards a) UOB Indonesia g) BRI Term Deposits Contact Center 14008 b) Bukopin h) CIMB Niaga c) Mega i) Citibank General Terms & TMRW d) MNC International j) Danamon Interest Calculation Application e) Panin k) DBS Indonesia Facilities Personal Internet f) Permata l) HSBC Banking (PIB) g) Mandiri m) OCBC NISP h) Maybank n) Standard Chartered Credit Cards BIBPlus 2. Telecommunication a) Telkom (Fixed Line & Indihome) Loans Safe Deposit Box c) XL (Prepaid, Postpaid and Data (SDB) b) Telkomsel (Postpaid) Packages) 3. Water d) Indosat (Postpaid) Privilege Banking a) Jabodetabek: Aetra Jakarta, Palyja Jakarta, d) East Java, Bali & West Nusa Tenggara: PDAM Depok and PDAM Bogor Bojonegoro, Probolinggo, Lumajang, Wealth Banking b) Sumatra Area: Palembang, Lampung Mataram c) Central Java: Semarang, Cilacap, e) Kalimantan & Sulawesi: Investment & Wonosobo, Purworejo, Banyumas, Kulon Pontianak, Samarinda, Pangkalan Bun, Bancassurance Progo Barabai, Mamuju, Polewali Mandar, Treasury Products Operational Network << Prev 1 2 3 4 5 Next >> 5.4. TMRW 3 HOME Savings Account Debit Card TMRW Application TMRW Biller Service Current Account ATM 4. Insurance/Health Data Services 8. Cable TV & Internet a) BPJS Kesehatan Term Deposits Contact Center a) Dens TV 14008 b) CAR, Regular Premium b) Indihome c) CAR, Other Bills General Terms & TMRW c) Net1 Interest Calculation Application 5. Installments 9. E-Money a) WOM Finance Personal Internet a) OVO Facilities b) Mega Finance Banking (PIB) b) Gopay Credit Cards 6. Taxes 10. Entertainment BIBPlus a) Land and Building Tax, Depok Municipality a) Unipin Vouchers b) Land and Building Tax, Sidoarjo Municipality Loans Safe Deposit Box 11. E-Commerce (SDB) 7. Tickets a) eGHLpayment a) Lion Air Privilege Banking Security Features Wealth Banking To maintain the security and convenience of your transactions, to log in to the TMRW Application, you need to enter a username and password or a fingerprint or face ID (for iPhone users only). Your transactions are also Investment & more secure with the Two Factor Authentication (2FA) method, which requires you to enter a Secure PIN before Bancassurance your transaction is executed. Treasury Products TMRW Application is also equipped with automatic logout which automatically deactivates your session if there is no transaction activity within a certain period of time Operational Network << Prev 1 2 3 4 5 Next >> 5.4. TMRW 4 HOME Savings Account Debit Card TMRW Application TMRW Transaction Limit Current Account ATM Limit per Combined Limit Term Deposits Contact Center Type of Fund Transfer Limit per Day 14008 Transaction perMonth General Terms & TMRW Transfer to UOBI Interest Calculation Application account in the Nill same CIF Facilities Personal Internet Rp. 250 million Rp. 250 million Banking (PIB) Transfer to UOBI Mass/WB Rp. 1 Billion accounts in Credit Cards BB/PV Rp. 1.5 Billion BIBPlus different CIF RTOL Rp. 50 million Loans Safe Deposit Box Mass/WB Rp. 250 million Mass/WB Rp. 1 Billion (SDB) RTGS Privilege Banking The minimum RTGS - transaction through BB/PV Rp. 500 million BB/PV Rp. 1.5 Billion TMRW is Rp. Wealth Banking 100,000,001 Mass/WB Rp. 500 million Mass/WB Rp. 500 million Investment & Bill payment - Bancassurance BB/PV Rp. 999.999.999 BB/PV Rp. 999.999.999 Treasury Products Operational Network << Prev 1 2 3 4 5 Next >> 5.4. TMRW 5 HOME Savings Account Debit Card TMRW Application Fees Current Account ATM Registration fee : Free Term Deposits Contact Center Password fee : Free 14008 Monthly administration fee : Free General Terms & TMRW Transfer fee - Free, to other UOB Indonesia account Interest Calculation Application - Free, through RTOL (Real Time Online) facility - Free, through RTGS (Real Time Gross Settlement) facility Facilities Personal Internet Banking (PIB) Credit Cards BIBPlus Loans Safe Deposit Box (SDB) Privilege Banking Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 5.4. PIB 1 HOME Savings Account Debit Card Personal Internet Banking (PIB) Current Account ATM Personal Internet Banking is an electronic banking service provided by UOB Indonesia and can be used by Customers to access accounts and conduct banking transactions Contact Center Term Deposits anytime and anywhere using a smartphone, tablet, laptop or desktop computer via the 14008 internet network. General Terms & Interest Calculation TMRW Application This service is provided to individual customers who have a UOB Indonesia savings account and/or Credit Card account. Personal Internet Facilities Banking (PIB) Terms of use of Personal Internet Banking Credit Cards BIBPlus • The customer has either UOB Indonesia savings account, Current Account or Credit Card account product • The customer has an identity card and has been registered in BWCIF system. Foreign customer must be Loans Safe Deposit Box registered by using Passport that has been registered in system. (SDB) • The customer is an Individual Customer or a customer with an OR joint account type. Privilege Banking • The customer has debit or credit card which is equipped with a chip and has been activated. • The customer has a mobile number and email address that has been registered in UOB Indonesia database. Wealth Banking Registration Mechanism Investment & Customers can register for Personal Internet Banking services through the UOB Indonesia PIB website at Bancassurance https://pib.uob.co.id or through the nearest UOB Indonesia branch office. Treasury Products Operational Network 1 2 3 4 5 6 Next >> 5.4. PIB 2 HOME Savings Account Debit Card Personal Internet Banking (PIB) Current Account ATM Service Features Customers can do the following through the Personal Internet Banking service: Term Deposits Contact Center 14008 Non-financial service: – To apply a Savings or Current Account opening, opening and/or placing and/or adding a Time Deposit, General Terms & Interest Calculation TMRW Application Credit Card application and registration for Government Securities Online. – To obtain account information (savings, deposit, current account, credit card, loan bills Reksadana, Personal Internet Facilities Government Securities Online and Reksadana) Banking (PIB) Financial service: Credit Cards BIBPlus – To do fund transfer between UOB Indonesia accounts or the other banks accounts and placing fund deposit – To transfer funds between UOB Indonesia accounts or other banks accounts through Real Time Gross Loans Safe Deposit Box Settlement (RTGS), or Real Time Online (RTOL), or Telegraphic Transfer (TT), ordering and disbursement (SDB) e-SBN facilities Privilege Banking – To submit regular monthly bill payments such as telephone, Credit Card, PDAM, state revenue for Directorate of Tax Regulations, Directorate General of Custom also Directorate General of State Budget and Excise or mobile phone credit purchases. Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 Next >> 5.4. PIB 2 HOME Savings Account Debit Card Personal Internet Banking (PIB) Current Account ATM PIB Biller Service 1. Credit Cards Term Deposits Contact Center a) UOB Indonesia g) Standard Chartered 14008 b) CIMB Niaga h) Permata General Terms & c) OCBC NISP i) Maybank TMRW Application Interest Calculation d) DBS j) Panin Personal Internet e) Citibank k) Mega Facilities Banking (PIB) f) HSBC l) MNC Credit Cards 2. Telecommunications BIBPlus a) Telkom (Fixed Line & Indihome) c) XL (Prepaid & Postpaid) b) Telkomsel (Prepaid & Postpaid) d) Indosat (Postpaid) Loans Safe Deposit Box (SDB) 3. Water a) Jabodetabek: Aetra Jakarta, Palyja Jakarta, d) East Java, Bali & West Nusa Tenggara: Privilege Banking Depok and Bogor Bojonegoro, Probolinggo, Lumajang, b) Sumatra Area: Palembang, Lampung Mataram Wealth Banking c) Central Java: Semarang, Cilacap, e) Kalimantan & Sulawesi: Wonosobo, Purworejo, Banyumas, Kulon Pontianak, Samarinda, Pangkalan Bun, Investment & Progo Barabai, Mamuju, Polewali Mandar, Bancassurance 4. Insurance/Health Data ServicesBPJS Kesehatan Treasury Products 5. Leasing/ Multifinance Operational a) WOM Finance Network << Prev 1 2 3 4 5 6 Next >> HOME Savings Account Debit Card Personal Internet Banking (PIB) Current Account ATM PIB Biller Service Privilege Banking and Business Banking Individual Customers Term Deposits Contact Center 14008 Limit per Combined Limit per Types of Fund Transfer Transaction Limit per Day (Rp) General Terms & Month (Rp) Interest Calculation TMRW Application (Rp) Personal Internet Fixed Deposit Placement 250.000.000 250.000.000 Nill Facilities Banking (PIB) Transfer to UOBI account in the same CIF Nill Transfer to UOBI account with different Credit Cards 500.000.000 BIBPlus CIF 500.000.000 Transfer to other banks account (RTOL) Loans Safe Deposit Box 1.500.000.000 (SDB) Transfer to other banks account (RTGS) 50.000.000 Privilege Banking Ad-Hoc Transfer 50.000.000 100.000.000 Transfer fund by using Telegraphic 100.000.000 100.000.000 100.000.000 Transfer Wealth Banking State tax revenue payment Investment & Non-tax state revenue payment 1.000.000.000 1.000.000.000 3.000.000.000 Bancassurance Custom payment Bill Payment 999.999.999 999.999.999 Treasury Products Operational Network << Prev 1 2 3 4 5 6 Next >> 5.4. PIB 3 HOME Savings Account Debit Card Personal Internet Banking (PIB) PIB Transaction Limit Current Account ATM Wealth Banking and PFS Mass Customers Term Deposits Contact Center Limit per 14008 Combined Limit per Types of Fund Transfer Transaction Limit per Day (Rp) Month (Rp) General Terms & (Rp) Interest Calculation TMRW Application Fixed Deposit Placement 250.000.000 250.000.000 Nill Personal Internet Facilities Transfer to UOBI account in the same CIF Nill Banking (PIB) Transfer to UOBI account with different 250.000.000 Credit Cards BIBPlus CIF 250.000.000 Transfer to other banks account (RTOL) 1.000.000.000 Loans Safe Deposit Box Transfer to other banks account (RTGS) 50.000.000 (SDB) Ad-Hoc Transfer 25.000.000 25.000.000 Privilege Banking Transfer fund by using Telegraphic 100.000.000 100.000.000 100.000.000 Transfer Wealth Banking State tax revenue payment Non-tax state revenue payment 1.000.000.000 1.000.000.000 3.000.000.000 Investment & Custom payment Bancassurance Bill Payment 999.999.999 999.999.999 Treasury Products Minimum Placing Deposit : Rp 8.000.000 Minimum transfer to other banks account via RTGS : Rp 100.000.001 Operational Network << Prev 1 2 3 4 5 6 Next >> 5.4. PIB 4 HOME Savings Account Debit Card Personal Internet Banking (PIB) Current Account ATM Security Features In order to maintain the security and convenience of your transactions, Personal Internet Banking uses a high- Contact Center Term Deposits level encryption security system via 128bit SSL. Your transactions are also more secured with the Two Factor 14008 Authentication (2FA) method which requires you to enter an authorization code in the form of a Short General Terms & TMRW Application Messaging Service - One Time Password (SMS-OTP) which is sent to your smartphone before making Interest Calculation transactions. Personal Internet Facilities Personal Internet Banking is also equipped with automatic logout which automatically deactivates your Personal Banking (PIB) Internet Banking session if there are no transaction activities within a certain period of time. Credit Cards BIBPlus Fees Registration fee : Free Loans Safe Deposit Box (SDB) Password fee : Free Monthly administration fee : Free Privilege Banking SMS-OTP sending fee : Free Transfer fee - Free to other UOB Indonesia accounts Wealth Banking - Rp. 6,500 through RTOL (Real Time Online) facility - Rp. 25,000 through RTGS (Real Time Gross Settlement) facility Investment & Risks Bancassurance • Registration cannot be successful if the customer's mobile phone number and/or email address does not Treasury Products match the database so that the customer data must be updated. • A transaction cannot be executed if the customer does not receive SMS-OTP for authentication. Operational • A transaction cannot be executed when PIB operational system is being upgraded. Network << Prev 1 2 3 4 5 6 5.5. BIBPlus 1 HOME Savings Account Debit Card BIBPlus Current Account ATM UOB BIBPlus is an internet banking service from UOB to meet the customer's growing business needs. Term Deposits Contact Center 14008 Type of Account General Terms & Interest Calculation TMRW Application • Individual • Legal Entity/Business Entity Personal Internet Facilities Banking (PIB) Benefits Credit Cards BIBPlus You can manage your Cash and Trade needs more efficiently. BIBPlus offers convenience, better control functions and easy monitoring of Cash Management and Trade Financing. Loans Safe Deposit Box (SDB) Features Privilege Banking . Account Service . Remittance – Account Balance – Telegraphic Transfer Wealth Banking – Account Statement . Bulk Service – TD Placement – Payment Investment & . Local payment – Payroll (IAFT & LLG) Bancassurance – IAFT . Tax Payment – Online Transfer – Customs and Excise Treasury Products – LLG – PNPB – RTGS Operational – Telegraphic Transfer Network 1 2 Next >> 5.5. BIBPlus 2 HOME Savings Account Debit Card BIBPlus Current Account ATM Features . VAN . Trade Contact Center Term Deposits – Van Registration – Import LC 14008 – Billing Info – Import Collection General Terms & – Export Collection TMRW Application . Report Interest Calculation – Payment Advice – Banker’s Guarantee Personal Internet – Transaction Notification – Financing Request Facilities Banking (PIB) – VAN Report – Shipping Guarantee – Proof of State Revenue Credit Cards BIBPlus Token Fee Loans Safe Deposit Box Free token fee for the first 2 users, additional tokens will cost Rp. 200,000 per token (SDB) Fee Per Transaction Privilege Banking IAFT ( Transfer to other UOB accounts) : Free Wealth Banking Online Transfer : Rp. 6,500 LLG : Rp. 5,000 Investment & RTGS TT : Rp. 25,000 Bancassurance • Telex : USD 5 • Commision : Free of charge for different currencies Treasury Products and USD 5 for the same currency • Full Amount Request : USD 25 Operational Network << Prev 1 2 5.6. SDB 1 HOME Savings Account Debit Card Safe Deposit Box (SDB) Current Account ATM Safe deposit box facility for UOB customers with a rental period of 1 year and can be Term Deposits Contact Center extended based on prevailing regulations. This service is available at certain branches. 14008 General Terms & SDB Lessee Interest Calculation TMRW Application • Individual or joined individuals ("AND" atau "OR") Personal Internet Facilities Banking (PIB) Criteria Credit Cards BIBPlus • Facilities for UOB Indonesia’s individual customers Loans Safe Deposit Box Benefits (SDB) . Customers can enjoy a safe deposit box Facility. Privilege Banking . Especially for UOB Privilege Banking customers, Customers can enjoy special prices for annual rental fee for SDB based on the terms and requirements required by the Bank. Wealth Banking Documents Investment & • Individual or joined individuals ("AND" atau "OR") : Bancassurance Valid KTP/SIM/Passport 1 (one) recent 4x6 color photograph Treasury Products Operational Network 1 2 3 Next >> 5.6. SDB 2 HOME Savings Account Debit Card Safe Deposit Box (SDB) Documents Current Account ATM • If there is an authorization to open the SDB : Term Deposits Contact Center Valid KTP/SIM/Passport 14008 1 (one) recent 4x6 color photograph General Terms & Power of Attorney ** Interest Calculation TMRW Application ** Authorization is granted maximum for 2 (two) persons or 1 (one) person if the rental is under "AND" or "OR" conditions. Personal Internet Facilities Banking (PIB) Size & Rental Fee A. 25 x 25 x 60 cm : Rp. 800,000 + VAT 10% Credit Cards BIBPlus B. 25 x 12,5 x 60 cm : Rp. 600,000 + VAT 10% C. 25 x 7,5 x 60 cm : Rp. 450,000 + VAT 10% Safe Deposit Box Loans D. 12 x 12 x 60cm : Rp. 350,000 + VAT 10% (SDB) * SDB Type D is only available at Solo Branch Office Privilege Banking Security Deposit for keys Wealth Banking . Rp. 1,000,000 must be paid by the Lessee at the beginning of the rental period. . The security deposit will be refunded to the Lessee when the rental agreement expires and the Lessee does Investment & not extend the rental of SDB. Bancassurance . The Security Deposit for Keys is only used in the event of loss or damage to the SDB key held by the Lessee. Treasury Products . If the cost of changing the key is greater than the Security Deposit for Keys, then UOB has the right to ask the Charterers to pay for the shortfall. Operational Network << Prev 1 2 3 Next >> 5.6. SDB 3 HOME Savings Account Debit Card Safe Deposit Box (SDB) Special Rates for UOB Indonesia’s Individual Customers Current Account ATM SDB Annual Account SDB Type Segment Total Account Balance Fees* Requirements Contact Center Term Deposits Privilege Banking Gratis 14008 A > IDR 1Miliar PV: Wealth Banking Diskon 50% Privilege Account General Terms & > IDR 100Juta Harga Normal (PVA) Interest Calculation TMRW Application Privilege Banking B/C/D & > IDR 500Juta Diskon 50% Personal Internet WB: Stash Account Facilities Wealth Banking > IDR 500Juta (WM > IDR 100Juta) Gratis Banking (PIB) Credit Cards BIBPlus Payment method . Account Debit from Savings/Rupiah Current Account UOB. Loans Safe Deposit Box Terms and Conditions (SDB) . SDB can be accessed every working day, namely Monday - Friday, 08.00 - 16.00, except for holidays Privilege Banking stipulated by the Government and Bank Indonesia. . Each visit to SDB can only be done for a maximum of 10 minutes. SDB Customer Service will inform the Lessee when the time has exceeded 10 minutes. Wealth Banking . Any storage or retrieval of goods from or to SDB shall be the responsibility of the Charterer. . In each visit to the SDB, the Lessee must fill out and sign an application form for permission to open the Investment & SDB and must show the SDB identification card. Bancassurance Risks Treasury Products Customers cannot enjoy special prices for annual SDB rental fee if they do not meet the terms and conditions required by the Bank. Operational Network << Prev 1 2 3 6.1. UOB PRVI Miles Card 1 HOME UOB PRVI Savings Account Miles Card UOB PRVI Miles Card UOB Preferred Current Account Platinum Card Term Deposits UOB Lady’s Card General Terms & UOB One Card Interest Calculation Facilities UOB YOLO Card Credit Cards TMRW Credit Privileges Card Airline Miles Bonus of 4,500 Airline Miles for New Customers. Convert Airline Miles to tickets for Singapore Airlines, Asia Miles, Garuda Miles, Loans Benefits and Air Asia, or class upgrade Privilege Banking Terms & Conditios of Application Faster Collection Competitive airline miles conversion of Rp 8,000 for domestic transactions and Rp 4,000 for overseas transactions Wealth Banking Fees Traveling Privileges Various privileges such as 0% installment up to 6 months for Investment & overseas transactions Risks Bancassurance Treasury Products Operational Network 1 2 3 4 5 Next >> 6.1. UOB PRVI Miles Card 2 HOME UOB PRVI Savings Account Miles Card UOB PRVI Miles Card UOB Preferred Current Account Platinum Card Program Airline Miles Term Deposits UOB Lady’s Card General Terms & UOB One Card Interest Calculation Facilities UOB YOLO Card Credit Cards TMRW Credit Card Loans Benefits Privilege Banking Terms & Conditios of Application Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 Next >> 6.1. UOB PRVI Miles Card 3 HOME UOB PRVI Savings Account Miles Card UOB PRVI Miles Card UOB Preferred Current Account Platinum Card Airline Miles Program Term Deposits UOB Lady’s Card Destinations dan Airline General Terms & UOB One Card Partners Class Upgrade Interest Calculation Miles required Facilities UOB YOLO Card Credit Cards TMRW Credit Card Class Upgrade Loans Benefits - Economy to Business Class Privilege Banking Terms & Conditios of Application - Business to First Class Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 Next >> 6.1. UOB PRVI Miles Card 4 HOME UOB PRVI Savings Account Miles Card UOB PRVI Miles Card UOB Preferred Current Account Platinum Card Other Reward Programs Term Deposits UOB Lady’s Card Number of Points required General Terms & UOB One Card Interest Calculation • Category A: 225,000 points/Night Facilities UOB YOLO Card • Category B: Credit Cards TMRW Credit 175,000 points/Night Card • Category C: Loans Benefits 125,000 points/Night Terms & Conditios Privilege Banking Number of Points of Application required Wealth Banking Fees Investment & Convert UOB PRIVI Miles points to MAP Risks Bancassurance CLUB Points Treasury Products Operational Network << Prev 1 2 3 4 5 Next >> 6.1. UOB PRVI Miles Card 5 HOME UOB PRVI Savings Account Miles Card UOB PRVI Miles Card UOB Preferred Current Account Platinum Card Illustration of Other Rewards Program Points Redemption Term Deposits UOB Lady’s Card Overseas/ General Terms & Foreign UOB One Card Points earned can be redeemed for: Interest Calculation Currency 1. Hotel Vouchers Facilities UOB YOLO Card Domestic 2. MAP Club Points Credit Cards TMRW Credit Card Loans Benefits Other Features Privilege Banking Terms & Conditios of Application Wealth Banking Fees Valid for PRIVI Miles Visa Signature Concierge Investment & Customers who purchase Services help customers to Risks Bancassurance travel tickets with their prepare traveling needs such as PRIVI Miles Credit Card airline ticket reservations and Treasury Products hotel bookings anytime, anywhere. Operational Network << Prev 1 2 3 4 5 6.2. UOB Preferred Platinum Card 1 HOME UOB PRVI Savings Account Miles Card UOB Preferred Platinum Card UOB Preferred Current Account Platinum Card Term Deposits UOB Lady’s Card General Terms & UOB One Card Interest Calculation Facilities UOB YOLO Card Credit Cards TMRW Credit Options to Redeem Reward Points Card E-Voucher E-Vouchers from various attractive partners that can be Loans Benefits redeemed in more than 22,000 locations in Indonesia Privilege Banking Terms & Conditions UOB Value Rewards Up to 80% discount for any purchase transaction of Application Free Flights to various favorite destinations with Singapore Wealth Banking Fees Airline Miles Airlines, Garuda Indonesia, Cathay Pacific atau AirAsia Investment & Risks Bancassurance Treasury Products Operational Network 1 2 3 4 5 6 Next >> 6.2. UOB Preferred Platinum Card 2 HOME UOB PRVI Savings Account Miles Card UOB Preferred Platinum Card UOB Preferred Current Account Platinum Card Faster collection of reward points Table categories of spending Term Deposits UOB Lady’s Card Reward Total Illustration of Reward Total reward points points reward spending in General Terms & Description UOB One Card points Interest Calculation bonus points one month Restaurant 1x 2x 3x Rp. 2,000,000 6,000 Facilities UOB YOLO Card Overseas 1x 2x 3x Rp. 2,000,000 6,000 Credit Cards TMRW Credit Card Fashion & department store 1x 2x 3x Rp. 2,000,000 6,000 Loans Benefits Illustration 1 Spending = Rp. 8,000,000 Terms & Conditions Illustration of Reward Reward Total reward Privilege Banking Category of spending of Application spending in one points points points month bonus Wealth Banking Fees Restaurant Rp. 2,000,000 2,000 4,000 6,000 Investment & Risks Overseas Rp. 2,000,000 2,000 4,000 6,000 Bancassurance Fashion & department store Rp. 2,000,000 2,000 4,000 6,000 Treasury Products Others Rp. 2,000,000 2,000 2,000 TOTAL Rp. 8,000,000 8,000 12,000 20,000 Operational Network << Prev 1 2 3 4 5 6 Next >> 6.2. UOB Preferred Platinum Card 3 HOME UOB PRVI Savings Account Miles Card UOB Preferred Platinum Card UOB Preferred Current Account Platinum Card Illustration 2 Spending = Rp. 57,000,000 Term Deposits UOB Lady’s Card Illustration of Reward Reward Total reward points Category of General Terms & spending in one points points UOB One Card spending Interest Calculation month bonus Restaurant Rp. 10,000,000 10,000 20,000 30,000 Facilities UOB YOLO Card Overseas Rp. 25,000,000 25,000 50,000 75,000 Credit Cards TMRW Credit Card Fashion & department store Rp. 20,000,000 20,000 40,000 60,000 Others Rp. 2,000,000 2,000 2,000 Loans Benefits Maximum of 57,000 + Max TOTAL Rp. 57,000,000 57,000 Privilege Banking Terms & Conditions 100,000 100,000 = 157,000 of Application Various attractive options for redemption of reward points Wealth Banking Fees E-voucher Redemption of reward points into shopping e-vouchers at selected Investment & Risks merchants. Redeem your 40,000 UOB reward points into an e-voucher Bancassurance with a value of Rp 100,000. Treasury Products UOB Value Reward Redeem your reward points for UOB Value Rewards which provide discounts of up to 80% for any purchase transaction Operational Network << Prev 1 2 3 4 5 6 Next >> 6.2. UOB Preferred Platinum Card 4 HOME UOB PRVI Savings Account Miles Card UOB Preferred Platinum Card UOB Preferred Current Account Platinum Card Various Favorite Airline Miles Fly for free with the airline miles of your choice by redeeming your reward points for miles from Singapore Airlines, Garuda Indonesia, Term Deposits UOB Lady’s Card Cathay Pacific or AirAsia. General Terms & Annual Fee Deductions Enjoy free of charge or annual fee deductions for UOB Preferred UOB One Card Interest Calculation Platinum Credit Card with your reward points. Facilities UOB YOLO Card Terms and conditions 1. Redemption of reward points can be done by contacting UOB Call regarding reward Center at 14008 or (021) 2355 9000. Credit Cards TMRW Credit points redemption 2. Your reward points will be valid for 2 years from they are generated Card by our system Loans Benefits Various special UOB Preferred Platinum services to help your needs Privilege Banking Terms & Conditions of Application 0% Installment on Purchases in Now you can enjoy 0% installment facility for 3 months for purchase Singapore transactions that you make in Singapore. 0% installments for 3 months Wealth Banking Fees are given for transactions with a minimum purchase equivalent to Rp Investment & Risks 3,000,000 or more per transaction. Call UOB Call Center at 14008 or Bancassurance (021) 2355 9000 to convert your transaction into installments Treasury Products Operational Network << Prev 1 2 3 4 5 6 Next >> 6.2. UOB Preferred Platinum Card 5 HOME UOB PRVI Savings Account Miles Card UOB Preferred Platinum Card UOB Preferred Current Account Competitive SGD Exchange Rate Any shopping transactions at any time in Singapore are more comfortable Platinum Card with competitive exchange rates. Term Deposits UOB Lady’s Card UOB Regional Privileges Enjoy discounts and special offers in Singapore at various well-known restaurants, hotels, shopping centers, fashion outlets, family General Terms & UOB One Card Interest Calculation entertainment centers and many other places. UOB Credit Protection A balance protection facility with a low premium of balance payable that Facilities UOB YOLO Card will protect you from the obligation to pay off the balance if something Credit Cards TMRW Credit goes wrong. Card UOB Bill Pay Payment of monthly bills of electricity, cellular phones, cable tv and Loans Benefits internet can now be made by autodebit to your credit card. Call UOB Call Center at 14008 or (021) 2355 9000 for registration Terms & Conditions Privilege Banking UOB Flexi Pay Get special offers in the form of competitive interest installments with of Application a period of up to 24 months for your retail purchases. Wealth Banking Fees If you have a UOB Bank account, you can enjoy Auto Pay facility for free Investment & UOB Auto Pay Risks Bancassurance by giving written instructions to debit your account every month on the due date of your Credit Card bill. You can choose to pay the total bill or the Treasury Products minimum payment (10% of the total bill). Operational Network << Prev 1 2 3 4 5 6 Next >> 6.2. UOB Preferred Platinum Card 6 HOME UOB PRVI Savings Account Miles Card UOB Preferred Platinum Card UOB Preferred Current Account UOB Preferred Platinum Credit Card is accepted by more than 25 million Platinum Card Valid worldwide merchants and provides easy cash withdrawal at millions of ATMs all over Term Deposits UOB Lady’s Card the world. General Terms & Cash Advance Cash advance facility up to a maximum of 40% of the credit limit provided. UOB One Card Interest Calculation Facilities UOB YOLO Card 24 Hours UOB Contact Center Contact UOB Contact Center at 14008 or (021) 2355 9000 for information on your UOB Preferred Platinum Credit Card, information on bill amounts, Credit Cards TMRW Credit recent transactions, remaining credit limits and card loss reports can be Card served at any time 24 hours a day. Loans Benefits Privilege Banking Terms & Conditions of Application Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 6.3. UOB LADY'S Card 1 HOME UOB PRVI Savings Account Miles Card UOB Lady’s Card – Men don’t get it UOB Preferred Current Account Platinum Card Term Deposits UOB Lady’s Card General Terms & UOB One Card Interest Calculation Facilities UOB YOLO Card Credit Cards TMRW Credit Favorite Shopping Card For Women Card Lady’s Reward Reward Points for every retail transaction of Rp 1,000 3X reward points Loans Benefits for every transaction in the following category: • Fashion Privilege Banking Terms & Conditions • Department Store of Application • Supermarket • E-commerce Wealth Banking Fees Lady’s Day Up to 50% discount or free treatment every Wednesday at health and Investment & Risks beauty merchants Bancassurance Treasury Products LuxePay Enjoy 0% installments up to 6 months for all shopping transactions in the fashion category at home and abroad. Minimum transaction is Rp Operational 3,000,000 and maximum transaction is Rp 50,000,000 Network 1 2 3 4 5 6 7 Next >> 6.3. UOB LADY'S Card 2 HOME UOB PRVI Savings Account Miles Card UOB Lady’s Card – Men don’t get it UOB Preferred Current Account Platinum Card Lady's Rewards - Enjoy reward points for each of your retail transactions! Especially for UOB Lady's Card Credit Card holders, enjoy the facility of 1 reward point for every Rp 1,000 of Term Deposits UOB Lady’s Card your retail transaction. You will also get up to 3 times more bonus reward points, according to the shopping category. General Terms & UOB One Card Interest Calculation Table of shopping category Facilities UOB YOLO Card Reward Total Illustration of Reward Total reward Description points reward spending in points points Credit Cards TMRW Credit bonus points one month Card Supermarket 1x 2x 3x Rp. 2,000,000 6,000 Loans Benefits E-Commerce 1x 2x 3x Rp. 2,000,000 6,000 Privilege Banking Terms & Conditions Fashion & department store 1x 2x 3x Rp. 2,000,000 6,000 of Application Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 7 Next >> 6.3. UOB LADY'S Card 3 HOME UOB PRVI Savings Account Miles Card UOB Lady’s Card – Men don’t get it UOB Preferred Current Account Platinum Card Illustration 1 Term Deposits UOB Lady’s Card Purchases for the period March 2017, total expenditure = Rp. 8,000,000 General Terms & UOB One Card Illustration of spending Reward Total Interest Calculation Shopping category Reward in one month points reward points Facilities UOB YOLO Card bonus points Supermarket Rp. 2,000,000 2,000 4,000 6,000 Credit Cards TMRW Credit Card E-commerce Rp. 2,000,000 2,000 4,000 6,000 Loans Benefits Fashion & department store Rp. 2,000,000 2,000 4,000 6,000 Others Rp. 2,000,000 2,000 2,000 Privilege Banking Terms & Conditions of Application TOTAL Rp. 8,000,000 8,000 12,000 20,000 Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 7 Next >> 6.3. UOB LADY'S Card 4 HOME UOB PRVI Savings Account Miles Card UOB Lady’s Card – Men don’t get it UOB Preferred Current Account Platinum Card Ilustrasi 2 Term Deposits UOB Lady’s Card Purchases for the period March 2017, total expenditure = Rp. 57,000,000 General Terms & UOB One Card Illustration of spending Reward Total reward Interest Calculation Shopping category Reward in one month points points points Facilities UOB YOLO Card bonus Supermarket Rp. 10,000,000 10,000 20,000 30,000 Credit Cards TMRW Credit Card E-commerce Rp. 25,000,000 25,000 50,000 75,000 Loans Benefits Fashion & department store Rp. 20,000,000 20,000 40,000 60,000 Lainnya Rp. 2,000,000 2,000 2,000 Privilege Banking Terms & Conditions of Application Maximum of 57,000 + Max TOTAL Rp. 57,000,000 57,000 100,000 100,000 = 157,000 Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 7 Next >> 6.3. UOB LADY'S Card 5 HOME UOB PRVI Savings Account Miles Card UOB Lady’s Card – Men don’t get it UOB Preferred Current Account Platinum Card Various attractive options for redemption of reward points E-voucher Redeem reward points into shopping e-vouchers at selected merchants. Redeem Term Deposits UOB Lady’s Card your 40,000 UOB reward points into an e-voucher with a value of Rp 100,000. General Terms & Redeem your reward points into UOB Value Rewards which provide discounts of UOB One Card Interest Calculation up to 80% for any purchase transaction. UOB Value Reward Facilities UOB YOLO Card • Redemption of reward points into UOB Value Rewards can be made to deduct 1 retail transaction amounting to a maximum of 80% of the total retail transaction. TMRW Credit Credit Cards UOB Value Reward deductions apply for more than 1 retail transaction. Card • Retail transactions where the transaction amount can be deducted with UOB Loans Benefits Value Rewards are retail transactions that have not been printed on the bill, and are not converted into installments. Privilege Banking Terms & Conditions of Application Airlines miles of various Fly for free with the airline miles of your choice. Redeem your reward points with Wealth Banking Fees airlines every mile from selected airlines. Airline miles that have collaborated to redeem reward points are Garuda Indonesia, Singapore Airlines, Cathay Pacific and Air Investment & Risks Bancassurance Asia. Treasury Products Free of charge or Enjoy free annual fee or get an annual fee discount on UOB LADY'S Credit Card no annual with your reward points Operational deductions Network << Prev 1 2 3 4 5 6 7 Next >> 6.3. UOB LADY'S Card 6 HOME UOB PRVI Savings Account Miles Card UOB Lady’s Card – Men don’t get it UOB Preferred Current Account Platinum Card VariousBerbagai speciallayanan UOBistimewa Lady'sUOB Card Lady’s services Card to helpuntuk yourmembantu needs kebutuhan anda Now you can enjoy 0% installment facility for 3 months for shopping Term Deposits UOB Lady’s Card Shopping installments of 0% in Singapore transactions that you do in Singapore. Installments of 0% for 3 months General Terms & UOB One Card are given for transactions with a minimum equivalent of IDR 3,000,000 or Interest Calculation more per transaction. Call UOB Call Center at 14008 or (021) 2355 9000 Facilities UOB YOLO Card to convert your transaction into installments. Competitive SGD Exchange Rate Any shopping transactions at any time in Singapore are more comfortable Credit Cards TMRW Credit Card with competitive exchange rates. UOB Regional Privileges Enjoy discounts and special offers in Singapore at various well-known Loans Benefits restaurants, hotels, shopping centers, fashion outlets, family entertainment centers and various other places. Privilege Banking Terms & Conditions of Application UOB Credit Protection A balance protection facility with a low premium of balance payable that Wealth Banking Fees will protect you from the obligation to pay off the balance if something goes wrong. Investment & Risks UOB Bill Pay Payment of monthly bills of electricity, cellular phones, cable tv and Bancassurance internet can now be made by autodebit to your credit card. Call UOB Call Treasury Products Center at 14008 or (021) 2355 9000 for registration Operational Network << Prev 1 2 3 4 5 6 7 Next >> 6.3. UOB LADY'S Card 7 HOME UOB PRVI Savings Account Miles Card UOB Lady’s Card – Men don’t get it UOB Preferred Current Account Platinum Card Term Deposits UOB Lady’s Card UOB Flexi Pay Get special offers in the form of competitive interest installments with a period of up to 24 months for your retail purchases. General Terms & UOB One Card Interest Calculation UOB Auto Pay If you have a UOB Bank account, you can enjoy Auto Pay facility for free by giving written instructions to debit your account every month on the Facilities UOB YOLO Card due date of your Credit Card bill. You can choose to pay the total bill or Credit Cards TMRW Credit the minimum payment (10% of the total bill). Card Valid worldwide Credit Card UOB LADY'S is accepted by more than 25 million Loans Benefits merchants and provides easy cash withdrawal at millions of ATMs all over the world. Privilege Banking Terms & Conditions of Application Cash Advance Cash advance facility up to a maximum of 40% of the credit limit provided. Wealth Banking Fees 24 Hours UOB Contact Center Contact UOB Contact Center at 14008 or (021) 2355 9000 for Investment & information on your UOB LADY'S credit Card, information on bill Risks Bancassurance amounts, recent transactions, remaining credit limits and card loss Treasury Products reports can be served at any time 24 hours a day. Operational Network << Prev 1 2 3 4 5 6 7 6.4. UOB One Platinum Card 1 HOME UOB PRVI Savings Account Miles Card UOB ONE CARD – “Be Super Cool Parents” UOB Preferred Current Account Platinum Card One card for all family needs, which makes it easy to realize your goal of becoming the “Super Cool Parents” generation Term Deposits UOB Lady’s Card General Terms & UOB One Card Interest Calculation Facilities UOB YOLO Card Credit Cards TMRW Credit Card Main Features Loans Benefits 0% installments for education Education fees, such as school fees, courses, and tutoring, are made lighter with a Privilege Banking Terms & Conditions 0% installment facility for up to 6 months of Application Terms & Conditions: Wealth Banking Fees • Valid for main and supplementary cards. • Minimum transaction of Rp. 1,000,000 in 1 (one) receipt. Investment & • Maximum transaction of Rp. 25,000,000 in 1 (one) receipt. Risks Bancassurance • Installment period of 3 and 6 months. • Requests for conversion of transactions into installments must be made a maximum of Treasury Products 5 working days before the due date Operational Network 1 2 3 4 Next >> 6.4. UOB One Platinum Card 2 HOME UOB PRVI Savings Account Miles Card UOB ONE CARD – “Be Super Cool Parents” UOB Preferred Current Account Main Features Platinum Card Free insurance for family members Term Deposits UOB Lady’s Card Free Personal Accident Insurance coverage up to Rp 600 million for you and your family (spouse and 2 children) General Terms & Participant Value of Coverage UOB One Card Interest Calculation Main Card Holder Rp. 200,000,000.- Facilities UOB YOLO Card Spouse Rp. 200,000,000.- Credit Cards TMRW Credit 2 (two) Childres Rp. 200,000,000 Card Total Rp. 600,000,000.- Loans Benefits Terms & Conditions: • UOB One Card credit card holders are required to make purchases at least 1 (one) time in 1 (one) month. • Purchase transactions calculated are retail spending transactions (Online & Offline) that have been recorded in the Privilege Banking Terms & Conditions of Application Bank system excluding all installment transactions, cash withdrawals at ATMs, and routine bill payments or UOB Bill Pay. Wealth Banking Fees • Protection will be given within 30 calendar days from the date of the last transaction. • The insurance participants are: Investment & • The main card holder and his/her legal partner with the following conditions: Risks • Indonesian citizens or foreigners who have a KIMS/KITAS. Bancassurance • Maximum age (age covered by insurance) of 65 years. • 2 (two) children of the main valid card holder with the following conditions: Treasury Products • Not working and not married. • Under 23 (twenty three) years old. Operational Network << Prev 1 2 3 4 Next >> 6.4. UOB One Platinum Card 3 HOME UOB PRVI Savings Account Miles Card UOB ONE CARD – “Be Super Cool Parents” UOB Preferred Current Account Platinum Card Main Features Term Deposits UOB Lady’s Card Cashback up to 5% anywhere Smart shopping with up to 5% cashback in all your shopping categories. The more often you make General Terms & UOB One Card transactions the more cashback you will get: Interest Calculation Transaction Cashback Facilities UOB YOLO Card 10th transaction onwards 5% TMRW Credit Credit Cards 6th-10th transaction 3% Card 1st-5th transaction 1% Loans Benefits Privilege Banking Terms & Conditions of Application Terms & Conditions: • The cashback value will be given based on the order of transactions printed on the billing statement. Wealth Banking Fees Transactions on Primary Cards and Supplementary Cards are sorted separately or not combined. • Purchase transactions calculated are retail spending transactions (Online & Offline) that have been recorded in the Investment & Bank system excluding all installment transactions, cash withdrawals at ATMs, and routine bill payments or UOB Bill Risks Pay. Bancassurance • Minimum transaction nominal that can be calculated to get cashback is Rp. 100,000. • Minimum amount of cashback that can be given every month is Rp 50,000. If accumulated cashback does not Treasury Products meet the requirements then cashback is not credited and is considered forfeited. • Maximum cashback given every month is Rp 200,000. Operational Network << Prev 1 2 3 4 Next >> 6.4. UOB One Platinum Card 4 HOME UOB PRVI Savings Account Miles Card UOB ONE CARD – “Be Super Cool Parents” UOB Preferred Current Account Platinum Card Main Features of VISA Contactless Term Deposits UOB Lady’s Card SimplyCukup tap menempelkanthe card on kartu the pada EDC mesin machine, EDC, transactionstransaksilebih General Terms & UOB One Card praktis dan mudah Interest Calculation are more practical and easier Facilities UOB YOLO Card Credit Cards TMRW Credit PromoAttractive menarik promos di berbagai at various merchant merchants hanya only dengan with VisaVisa Card ContactlessContactless:: Loans Benefits Privilege Banking Terms & Conditions of Application Wealth Banking Fees Visa Contactless Investment & Risks Bancassurance Free Rp. 25,000 voucher at Shell Treasury Products Operational Network << Prev 1 2 3 4 6.5. UOB YOLO Card 1 HOME UOB PRVI Savings Account Miles Card UOB YOLO Card – EAT.DRINK.PLAY REPEAT UOB Preferred Current Account Platinum Card Make your life as exciting as you want with YOLO Card, a Credit Card from Bank UOB Indonesia with unique features and shapes, especially for you smart, confident, dynamic Term Deposits UOB Lady’s Card & fun millennials. General Terms & UOB One Card Interest Calculation Features Facilities UOB YOLO Card 1. FREE GRAB RIDES Every time you make 5x retail transactions (online & offline) with a minimum amount of Rp Credit Cards TMRW Credit Card 100,000 per transaction with the YOLO Card, you will get a Grab voucher worth of Rp 20,000 Free! Loans Benefits Program Mechanism • Make a minimum of 5x retail transactions (online & offline) with a minimum amount of Rp 100 Privilege Banking Terms & Conditions thousand per transaction with YOLO Card. of Application • You will receive an electronic voucher sent via SMS to the mobile number registered in the UOB Bank system a maximum of 30 days after the transaction period Wealth Banking Fees • Register your YOLO Card on the GRAB payment method. • Enter the voucher code in the "Promo" column when you order a GRAB Car/Bike on the GRAB Investment & Risks application Bancassurance • • Enjoy your Free trip with GRAB Treasury Products Operational Network 1 2 3 Next >> 6.5. UOB YOLO Card 2 HOME UOB PRVI Savings Account Miles Card UOB YOLO Card – EAT.DRINK.PLAY REPEAT UOB Preferred Current Account Terms of Transaction Platinum Card • It applies to combined retail transactions (online & offline) on your YOLO primary card and Term Deposits UOB Lady’s Card supplementary card • Transactions are calculated on a monthly basis. General Terms & • Transactions made on the same place and day are counted as 1 x transaction. UOB One Card Interest Calculation • It does not apply to cash withdrawal transactions, installments, and monthly routine bills • Prizes apply in multiples. Facilities UOB YOLO Card Terms of use of GRAB Voucher Credit Cards TMRW Credit • The voucher is valid for trips with GRAB Car/Bike. Card • The voucher value is Rp 20 thousand • It is valid for 1x usage. • One voucher code is valid for one card number (main card and supplementary card). Loans Benefits • Vouchers can only be made for transactions using the YOLO Card. • Vouchers cannot be cashed Privilege Banking Terms & Conditions of Application 2. 0% TRAVEL INSTALLMENT Wealth Banking Fees For every transaction in the Hotel & Travel category, you can convert your transaction into 0% installments Investment & for 3 and 6 months. Call UOB Call Center at 14008 to convert your transaction into installments. Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 Next >> 6.5. UOB YOLO Card 3 HOME UOB PRVI Savings Account Miles Card UOB YOLO Card – EAT.DRINK.PLAY REPEAT UOB Preferred Current Account Terms and Conditions: Platinum Card • The installment period is 3 months and 6 months. • The minimum total transaction in the hotel & travel category is Rp 1,000,000 Term Deposits UOB Lady’s Card • Program applies to primary and supplementary cards. General Terms & • Requests for conversion of transactions into installments must be made a maximum of 3 days before UOB One Card Interest Calculation the due date. 3. FREE ANNUAL FEE Facilities UOB YOLO Card 1st Year 2nd Year onwards Credit Cards TMRW Credit It is free, by doing a minimum of 1x retail transaction (online & offline) Card Free with a minimum value of Rp 100 thousand per transaction every month Loans Benefits Terms and Conditions: Privilege Banking Terms & Conditions of Application • It applies to retail transactions (online & offline) • Transactions are calculated on a monthly basis Wealth Banking Fees • It does not apply to cash withdrawal transactions, installments, and monthly routine bills. Investment & • The program applies to primary and supplementary cards. Risks Bancassurance • Transactions on primary and supplementary cards cannot be combined. • Annual fee will be charged if the customer does not meet the applicable Treasury Products regulations. • Annual fee for primary card : Rp 300 thousand Operational • Annual fee for supplementary card : Rp 150 thousand Network << Prev 1 2 3 6.6. TMRW Card 1 HOME UOB PRVI Savings Account TMRW Credit Card Miles Card UOB Preferred Current Account Basic CashbackFeatures Up Tier Cashback Platinum Card 0.2% for all retail transactions, 1. Make CASA bundling transactions in Term Deposits UOB Lady’s Card 0.2% excluding default category & exclude TMRW Everyday Account via category TMRW App/PIB General Terms & UOB One Card 1. 3 default Interest Calculation category: 2. Select 3 preferred categories, Dining 6% for example: Facilities UOB YOLO Card 1% Supermarket & Minimarket TMRW Credit Transportation Credit Cards 3. Get 6% cashback for transactions in Card 2. 1% for transactions in the default selected categories category Loans Benefits 50k Minimum cashback given to TMRW CC every month. Privilege Banking Terms & Conditions 200k of Application Card Control Daily Limit Card Control Daily Limit Wealth Banking Fees Customers can change the unbilled transaction to Set daily limit of retail spending Rp 10,000,000 a small installment program via the application Investment & Risks Bancassurance 3 months 6 months 12 months Set daily limit of online spending Rp 10,000,000 Treasury Products Card Control Daily Limit Set daily cash withdrawal Rp 10,000,000 Operational transaction limit at ATMs Network 1 2 3 Next >> 6.6. TMRW Card 2 HOME UOB PRVI Savings Account Miles Card TMRW Credit Card UOB Preferred Current Account Platinum Card Terms and Conditions of Product Nationality Only for Indonesian citizens Term Deposits UOB Lady’s Card Minimum age 21 years old General Terms & Minimum income Rp. 4,000,000 per month UOB One Card Interest Calculation Minimum payment 10% of the total bill + installments, or minimum of Facilities UOB YOLO Card Rp. 50,000 Statement E-Statement downloaded via TMRW Application Credit Cards TMRW Credit Card Supplementary card Supplementary card is not available Loans Benefits Fees Interest rate 26.95% per year Privilege Banking Terms & Conditions of Application Annual fee Free of charge in the first year Rp. 300,000 per year for the second year onwards Wealth Banking Fees Investment & Fee of replacing lost or damaged cards Risks Rp. 50,000 Bancassurance Treasury Products Operational Network << Prev 1 2 3 Next >> 6.6. TMRW Card 3 HOME UOB PRVI Savings Account Miles Card TMRW Credit Card UOB Preferred Current Account Platinum Card Fees Late payment 3% of the total bill, or a maximum of Rp. 150,000 Term Deposits UOB Lady’s Card Cash Advance 6% of the withdrawal amount, or a minimum of Rp. 100,000 General Terms & Cash Advance limit 40% of card limit UOB One Card Interest Calculation Copy of sales slip Rp. 50,000 per request Facilities UOB YOLO Card Bill via TMRW Application Free Credit Cards TMRW Credit Cash Withdrawal via Plus/Cirrus ATM Network Rp. 30,000 Card Loans Benefits Change of Card PIN via TMRW application Free Overlimit fee Rp. 200,000 Privilege Banking Terms & Conditions of Application Installment cancellation fee Rp. 250,000 Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 6.6. Benefit 1 HOME UOB PRVI Savings Account Benefits Miles Card UOB UOB UOB Preferred UOB ONE UOB UOB PRVI Current Account YOLO PREFERRED Platinum Card BENEFITS CARD LADY'S Miles PLATINUM PLATINUM PLATINUM CARD SIGNATURE Term Deposits UOB Lady’s Card CARD CARD Free Annual Fee for the General Terms & UOB One Card Interest Calculation 1st year Shopping installments of Facilities UOB YOLO Card 0% for 3 and 6 months, Convert transactions in the TMRW Credit Credit Cards hotel & travel category with Card a minimum value per Loans Benefits transaction equivalent to Rp. 1,000,000 Privilege Banking Terms & Conditions Shopping installments of Application of 0% for 3 months, Convert shopping Wealth Banking Fees transactions in Singapore with a Investment & Risks minimum value per Bancassurance transaction equivalent to Rp. 3,000,000 Treasury Products Accepted by more than 25 Operational million merchants worldwide Network 1 2 3 4 5 6 Next >> 6.6. Benefit 2 HOME UOB PRVI Savings Account Miles Card Benefits UOB Preferred Current Account Platinum Card UOB UOB UOB ONE UOB UOB PRVI YOLO PREFERRED Term Deposits UOB Lady’s Card BENEFITS CARD LADY'S Miles PLATINUM PLATINUM PLATINUM CARD SIGNATURE General Terms & CARD CARD UOB One Card Interest Calculation Discounts and special offers in Singapore Facilities UOB YOLO Card LowSGD Rate, any Credit Cards TMRW Credit shopping transaction Card anytime in Singapore with a low exchange rate Loans Benefit Privilege Banking Terms & Conditions UOB Credit Protection, A of Application balance protection facility with a low premium of Wealth Banking Fees 0.6%, that will protect you from the obligation to pay Investment & Risks off the balance if Bancassurance something goes wrong. Treasury Products Operational Network << Prev 1 2 3 4 5 6 Next >> 6.6. Benefit 3 HOME UOB PRVI Savings Account Miles Card Benefits UOB Preferred Current Account Platinum Card UOB UOB UOB ONE UOB UOB PRVI YOLO PREFERRED Term Deposits UOB Lady’s Card BENEFITS CARD LADY'S Miles PLATINUM PLATINUM PLATINUM CARD SIGNATURE General Terms & CARD CARD UOB One Card Interest Calculation UOB Flexi Pay, Convert shopping transactions at Facilities UOB YOLO Card any merchant into low interest installments for up TMRW Credit Credit Cards to 24 months. Card Loans Benefit UOB Bill Pay, Autodebet for monthly routine bill Terms & Conditions Privilege Banking payments. of Application UOB Auto Pay, Ease of Wealth Banking Fees Credit Card payments by debiting your UOB Bank Investment & Risks account. Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 Next >> 6.6. Benefit 4 HOME UOB PRVI Savings Account Miles Card Benefits UOB Preferred Current Account Platinum Card UOB UOB UOB ONE UOB UOB PRVI YOLO PREFERRED Term Deposits UOB Lady’s Card BENEFITS CARD LADY'S Miles PLATINUM PLATINUM PLATINUM CARD SIGNATURE General Terms & CARD CARD UOB One Card Interest Calculation Cash Advance, Get cash withdrawal facility up to a Facilities UOB YOLO Card maximum of 40% of the credit limit provided. Credit Cards TMRW Credit Card 24 Hours UOB Call Center, Call UOB Call Loans Benefit Center at 14008 or (021) 2355 9000 for information Privilege Banking Terms & Conditions on UOB Credit Cards of Application Global Customer Service Wealth Banking Fees Assistance, Enjoy Global Customer Service Investment & Risks Assistance services from Bancassurance VISA around the world. Visit www.visa.co.id for Toll Free Treasury Products numbers Operational Network << Prev 1 2 3 4 5 6 Next >> 6.6. Benefit 5 HOME UOB PRVI Savings Account Miles Card Benefits UOB Preferred Current Account UOB UOB Platinum Card UOB ONE UOB UOB PRVI YOLO PREFERRED BENEFITS CARD LADY'S Miles PLATINUM PLATINUM Term Deposits UOB Lady’s Card PLATINUM CARD SIGNATURE CARD CARD General Terms & UOB One Card MasterCard Global Interest Calculation Service, Enjoy MasterCard Facilities UOB YOLO Card Global Service from MasterCard worldwide if your card is lost, stolen or Credit Cards TMRW Credit Card damaged while abroad. Visit www.mastercard.com Loans Benefit for Toll Free numbers Privilege Banking Terms & Conditions of Application Visa Concierge Wealth Banking Fees Visa Signature Concierge will help to fulfill your Investment & Risks lifestyle needs. Visit Bancassurance www.visasignatureconcierg e.com for Toll Free Treasury Products numbers. Operational Network << Prev 1 2 3 4 5 6 Next >> 6.6. Benefit 6 HOME UOB PRVI Savings Account Miles Card Benefits UOB Preferred Current Account Platinum Card UOB UOB UOB ONE UOB UOB PRVI YOLO PREFERRED Term Deposits UOB Lady’s Card BENEFITS CARD LADY'S Miles PLATINUM PLATINUM PLATINUM CARD SIGNATURE General Terms & CARD CARD UOB One Card Interest Calculation Travel Accident Insurance Purchasing travel tickets Facilities UOB YOLO Card using the UOB PRVI Miles Credit Card will get travel TMRW Credit Credit Cards accident insurance coverage Card with benefits of up to Rp 7 Loans Benefit billion Privilege Banking Terms & Conditions of Application Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 6.7. Syarat dan Ketentuan pengajuan 1 HOME UOB PRVI Savings Account Miles Card Terms & Conditions UOB Preferred Current Account Platinum Card Term Deposits UOB Lady’s Card UOB UOB YOLO UOB ONE UOB UOB PRVI PREFERRED PLATINUM CARD LADY'S Miles General Terms & TERMS AND CONDITIONS PLATINUM UOB One Card CARD PLATINUM CARD SIGNATURE Interest Calculation CARD 21 to 65 years old Facilities UOB YOLO Card TMRW Credit Income Min Rp. 4 Credit Cards Min Rp. 4 million Min Rp. 4 million Min Rp. 4 million Min Rp. 15 million Card million per per month per month per month per month month Loans Benefits Terms & Privilege Banking Conditions of Application Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network 1 2 Next >> 6.7. Syarat dan Ketentuan pengajuan 2 HOME UOB PRVI Savings Account Miles Card Terms & Conditions UOB Preferred Current Account Platinum Card UOB UOB PRVI UOB YOLO UOB ONE PREFERRED UOB Term Deposits Miles UOB Lady’s Card TERMS AND CONDITIONS PLATINUM CARD PLATINUM LADY'S SIGNATURE CARD PLATINUM CARD CARD General Terms & UOB One Card Interest Calculation Documents : Facilities UOB YOLO Card - Photocopy of valid KTP - Photocopy of KTP of prospective TMRW Credit supplementary card holder* Credit Cards - Maximum salary slip for the last 3 Card months** Loans - Income statement** Benefits - Annual Income Tax Return of Article 21 Terms & (maximum of the last 2 years)** Privilege Banking Conditions of - Photocopy of Payroll account showing Application the credited salary (maximum of the last 1 month) * Wealth Banking Fees - Photocopy of TIN Investment & Risks * To apply for supplementary cards Bancassurance ** Select one Treasury Products Operational Network << Prev 1 2 6.8. Biaya 1 HOME UOB PRVI Savings Account Miles Card Fees UOB Preferred Current Account Platinum Card UOB UOB PRVI UOB YOLO UOB ONE PREFERRE D UOB Term Deposits Miles UOB Lady’s Card FEES PLATINUM CARD PLATINUM LADY'S SIGNATURE CARD PLATINUM CARD CARD General Terms & UOB One Card Interest Calculation Annual fees Facilities UOB YOLO Card - Primary Card : Rp. 300thousand - Supplementary Card : Rp. 150thousand TMRW Credit Credit Cards Annual fees Card - Primary Card : Rp. 550thousand Loans Benefits - Supplementary Card : Rp. 275thousand Annual fees Privilege Banking Terms & Conditions - Primary Card : Rp. 750thousand of Application - Supplementary Card : Rp. 375thousand Wealth Banking Fees Annual fees - Primary Card : Rp. 1million Investment & - Supplementary Card : Rp. 500thousand Risks Bancassurance Retail Interest: 2,25% permonth Treasury Products Operational Network 1 2 3 4 5 Next >> 6.8. Biaya 2 HOME UOB PRVI Savings Account Miles Card Fees UOB Preferred Current Account Platinum Card UOB UOB PRVI UOB YOLO UOB ONE PREFERRED UOB Term Deposits Miles UOB Lady’s Card FEES PLATINUM CARD PLATINUM LADY'S SIGNATURE CARD PLATINUM CARD CARD General Terms & UOB One Card Interest Calculation Cash Advance Interest : 2,25% per month Facilities UOB YOLO Card Stamp Duty based on the total Credit Cards TMRW Credit payment of the account Card - ≤ Rp 250 thousand : Free - > Rp 250,000 - Rp 1 million : Rp. 3,000 Loans Benefits - > Rp 1,000,000 : Rp. 6,000 Cash Advance withdrawal via ATM per Privilege Banking Terms & Conditions of Application transaction - ATM UOB : Free Wealth Banking Fees - Plus/Cirrus Network : Rp. 30 thousand Card Replacement : Rp. 50,000 Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 Next >> 6.8. Biaya 3 HOME UOB PRVI Savings Account Miles Card Fees UOB Preferred Current Account Platinum Card UOB UOB PRVI UOB YOLO UOB ONE PREFERRED UOB Term Deposits Miles UOB Lady’s Card FEES PLATINUM CARD PLATINUM LADY'S SIGNATURE CARD PLATINUM CARD CARD General Terms & UOB One Card Interest Calculation Cash Advance Withdrawal : 6% of Facilities UOB YOLO Card cash withdrawal amount or a minimum of Rp. 100,000 (whichever is higher) Credit Cards TMRW Credit Card Late Payment : 3% of bill or a maximum of Rp. 150,000 Loans Benefits (whichever is lower) Excess usage over Rp Privilege Banking Terms & Conditions of Application 150,000 Limit PIN Reprinting : Rp. 25,000 Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 Next >> 6.8. Biaya 4 HOME UOB PRVI Savings Account Miles Card Fees UOB Preferred Current Account Platinum Card UOB UOB PRVI UOB YOLO UOB ONE PREFERRED UOB Miles Term Deposits UOB Lady’s Card FEES PLATINUM CARD PLATINUM LADY'S SIGNATURE CARD PLATINUM CARD CARD General Terms & UOB One Card Interest Calculation Request of Copy: Facilities - Monthly Bill: Rp. 25,000 per copy UOB YOLO Card - Transaction Receipt/Sales Draft: Rp. 50,000 per sheet Credit Cards TMRW Credit - Annual bill summary: Card Rp. 100,000 per copy - Bill Sheet Printing Fee: Loans Benefits Rp. 15,000 per copy Privilege Banking Terms & Conditions of Application Cheque Reject: Rp. 50,000 Wealth Banking Fees Credit Card Payments through Automated Teller Machines Investment & (ATM) networks Risks Bancassurance - Bank UOB Indonesia :Free - BCA, Bank Mandiri, Maybank, Bank Permata and CIMB Niaga : Rp. Treasury Products 7,500 Operational Network << Prev 1 2 3 4 5 Next >> 6.8. Biaya 5 HOME UOB PRVI Savings Account Miles Card Fees UOB Preferred Current Account Platinum Card UOB UOB PRVI UOB YOLO UOB ONE PREFERRED UOB Term Deposits Miles UOB Lady’s Card FEES PLATINUM CARD PLATINUM LADY'S SIGNATURE CARD PLATINUM CARD CARD General Terms & UOB One Card Interest Calculation Credit Card payments through Facilities UOB YOLO Card Mobile Banking and Sms Banking facilities TMRW Credit - BCA, Bank Mandiri, Bank Permata : Credit Cards Rp. 7,500 Card Credit Card payment via Internet Loans Benefits Banking facility - BCA, Bank Mandiri, Bank Permata : Privilege Banking Terms & Conditions Rp. 7,500 of Application Credit Card payment via Phone Wealth Banking Fees Banking facility - BCA, Bank Mandiri, Bank Permata : Investment & Rp. 7,500 Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6.9. Risiko 1 HOME UOB PRVI Savings Account Miles Card Risks UOB Preferred Current Account Platinum Card CARD USAGE Term Deposits UOB Lady’s Card 1. The Credit Card must be signed by and only permitted to be used by the Cardholder, and cannot be assigned to anyone by any means and reasons. All consequences General Terms & arising from negligence, carelessness, including the use or misuse of the Card, CVV UOB One Card Interest Calculation and/or PIN by other parties with the permission or without permission of the Card Holder, shall be the sole responsibility of the Cardholder. Facilities UOB YOLO Card 2. The use of the Card on the Credit Card owned by the Cardholder may affect the sustainability of other Credit Cards TMRW Credit credit facilities provided by the Bank to the Cardholder (if any). If there is a delay in payment on the Credit Card Card, it may result in the blocking of other credit facilities, and vice versa Loans Benefits Privilege Banking Terms & Conditions Various special UOB Preferred Platinum services to help your needs of Application The Bank is fully entitled to accept or reject the Card Usage that have or will exceed the Credit Limit. If the Bank Wealth Banking Fees accepts the Card Usage that exceeds the Credit Limit (overlimit), the Bank will charge an Administration Fee and then calculate the amount for the Card Usage that exceeds the Credit Limit into the Minimum Payment Investment & Risks component.. Bancassurance Treasury Products Operational Network 1 2 3 Next >> 6.9. Risiko 2 HOME UOB PRVI Savings Account Miles Card Risks UOB Preferred Current Account Platinum Card BILLING STATEMENTS AND BILL PAYMENTS Term Deposits UOB Lady’s Card 1. If the Card Holder does not receive the Billing Statement, the Cardholder is required to immediately notify the Bank and ask the Bank to resend a copy of the Billing Statement. If the Card Holder does not receive the General Terms & Billing Statement, it does not automatically release the Cardholder from his/her obligation to pay the amount UOB One Card Interest Calculation owed by the Cardholder to the Bank. 2. If in the Billing Statement there is a bill(s) which the Cardholder thinks is not appropriate, the objection to the Facilities UOB YOLO Card bill(s) must be submitted to the Bank in writing equipped with supporting documents not later than 14 (fourteen) calendar days from the date of printing of Billing Statement. Credit Cards TMRW Credit 3. The Cardholder agrees to bear the Risks if there are exchange rates differences in the return and/or Card cancellation of transactions using foreign currencies. 4. If the Cardholder does not fulfill its payment obligations, the Cardholder hereby authorizes the Bank with the Loans Benefits right of substitution and therefore has the full right to block the Cardholder's account for the settlement of his/her debt and/or: Privilege Banking Terms & Conditions of Application 5. Debiting the Current Account/Savings/deposit accounts or other types of savings owned by the Cardholder with the Bank. Wealth Banking Fees 6. Requesting/collecting payments through third party services. 7. Calling the Cardholders through the mass media. Investment & 8. Withholding the security of other Loan facilities provided by the Bank until the Credit Card debt is repaid. Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 Next >> 6.9. Risiko 3 HOME UOB PRVI Savings Account Miles Card Risks UOB Preferred Current Account Platinum Card OWNERSHIP, TERMINATION/CLOSURE AND BLOCKING OF CREDIT CARDS Term Deposits UOB Lady’s Card The Bank at its sole discretion, including considerations related to risk management, has the right to terminate or invalidate the Credit Card, either partially or all of the services, features or facilities related to the Credit Card, General Terms & without the Bank's obligation to notify the Cardholder. UOB One Card Interest Calculation The Bank has the right to block the use of the Credit Card by the Cardholder if according to the Bank's Facilities UOB YOLO Card consideration, the Cardholder has used the Credit Card in violation of the provisions in these Terms and Conditions and/or applicable laws and regulations and/or takes action and/or transactions that may harm the Credit Cards TMRW Credit Bank. Card The Bank also has the right not to extend Credit Cards that have not or have expired in accordance with the Loans Benefits Bank's considerations and policies with due observance of the applicable laws and regulations. The Bank is not obliged to provide reasons for blocking or not extending the Validity Period of such Credit Card to the Privilege Banking Terms & Conditions of Application Cardholder. Cardholders are still required to carry out payment obligations. Wealth Banking Fees Investment & Risks Bancassurance Treasury Products Operational Network << Prev 1 2 3 7.1. Kredit Pemilikan Rumah 1 HOME Savings Account Mortgage Mortgage Current Account Multi Purpose Loan Loan facilities provided to individual customers to finance property (house/office/office/shop/apartment) financing. Term Deposits Invoice Financing General Terms & Heavy Equipment Financing Purpose Interest Calculation Financing (HEF) • Purchase of property Facilities Car Investment • Take Overof Home Ownership Credit (KPR) Loan (KIMO) Benefits Credit Cards Construction Investment Loan • Small installments up to 360x (30 years) Loans Commercial Property • Fast and easy process Investment Loan • It can be used to finance houses, apartments, shop houses and office houses Privilege Banking Working Capital Loan Amount of Loan General Risks of Wealth Banking • Rp 150 million – Rp 20 billion Loan Investment & Procedure for Term of Loan Bancassurance Loan Products • 1 – 20 years Utilization Treasury Products • A maximum of up to 30 years which applies to customers with employee status, for the first KPR with Credit Simulation a collateral of a house/apartment. Operational Network 1 2 3 4 5 Next >> 7.1. Kredit Pemilikan Rumah 2 HOME Savings Account Mortgage Mortgage List of Partner Developers Current Account Multi Purpose Loan 1. Agung Podomoro Group 19. CITI9 36. Kembar Mas Group Term Deposits Invoice 2. Agung Sedayu Group 20. Clarimond Property 37. Kenjeran Group Financing 3. AKR Land 21. DAM Utama Sakti Prima 38. Keppel Land General Terms & Heavy Equipment 4. Alam Sutera 22. Damai Putra Group 39. KSU Group Interest Calculation Financing (HEF) 5. Anabuki Kosan 23. Dinamika Daya Manunggal 40. Lyman Group Car Investment Facilities 41. Mawar Sharon Mandiri Loan (KIMO) 6. Anugrah Dharma Sentosa Group 7. Astaka Land Group 24. Dua Cahaya Anugrah 42. Mayapada Group Credit Cards Construction Investment Loan 8. Astra Land 25. Duta Anggada 43. Mega Wahana Perkasa 44. Metland Group Loans Commercial Property 9. Ateraland 26. Farpoint Investment Loan 10. Bandung Inti Graha Group 27. Formula Land 45. Modenland Privilege Banking Working Capital 11. Bandung Pakar Group 28. Gapura Prima Group 46. Modernland Group Loan 12. Bina Griya Properti 29. Goldland Group 47. Nusa Kirana General Risks of Wealth Banking 13. Bina Karya Group 30. Greenland Garden 48. Pakuwon Group Loan 14. BSA Land 31. Hongkong Kingland 49. Paramount Group Investment & Procedure for 15. Buana Global Propertindo 32. Hutama Karya Group 50. Pembangunan Jaya Bancassurance Loan Products Utilization 16. Capitaland 33. Intiland Group 51. Pollux Treasury Products 17. CGIS Group 34. Jababeka Group 52. Pondok Indah Group Credit Simulation Operational 18. Ciputra Group 35. Karyadeka 53. Pondok Tjandra Network << Prev 1 2 3 4 5 Next >> 7.1. Kredit Pemilikan Rumah 3 HOME Savings Account Mortgage Mortgage List of Partner Developers Current Account Multi Purpose Loan 54. Premier Group 63. Serenity 73. Tokyu Land Indonesia Term Deposits Invoice 55. Provest 64. Sinar Galaxy 74. Tri Tirta Permata Financing 56. PT Adhi Persada Property 65. Sinarmas Group 75. Trias Graha Persada General Terms & Heavy Equipment 57. PT Batununggal Perkasa 66. Sinar Pamaronda 76. Triputra Senamustika Interest Calculation Financing (HEF) 58. PT Muliaguna Propertindo 67. Sumber Baru Land Group 77. Umawar Issasabluza Facilities Car Investment Loan (KIMO) Development 68. Summarecon Group 78. Wahid Group 59. PT Sutera Agung Properti 69. Suryamas Group 79. Waskita Karya Realty Group Credit Cards Construction Investment Loan 60. Putragaya Wahana 70. Talof 80. Wijaya Karya 61. Royal Paragon Loans Commercial Property 71. Terry Palmer Group Investment Loan 62. Sentul City 72. The Paradise Group Working Capital Privilege Banking Fees Loan Wealth Banking General Risks of • Provision Fee : In accordance with the applicable interest rate package Loan • Administrative Fee : In accordance with the applicable interest rate package Investment & Procedure for • Notary fee : Based on the loan ceiling and collateral location Bancassurance Loan Products • Life Insurance Fee : Based on the debtor's age and term of loan Utilization Treasury Products • Fire Insurance Fee : Based on building value, property type and term of loan Credit Simulation Operational • Appraisal (Collateral Assessment) Fee : Based on area of land and building type Network << Prev 1 2 3 4 5 Next >> 7.1. Kredit Pemilikan Rumah 4 HOME Mortgage Savings Account Mortgage Documents Current Account Multi Purpose Loan Documents Employees Professionals Entrepreneurs Term Deposits Invoice Photocopy of ID card of the applicant & husband/wife Financing Photocopy of Family Card & Marriage Certificate General Terms & Heavy Equipment Interest Calculation Financing (HEF) Photocopy of Personal TIN Facilities Car Investment Photocopy of Company TIN Loan (KIMO) Photocopy of Bank Statement/ Savings for the last 3 months Credit Cards Construction Investment Loan Salary Slip/Work and Salary Certificate/ Annual Income Tax Return Article 21 Loans Commercial Property Investment Loan Financial Report/Proof of Income/Annual Income Tax Return Article 21 Working Capital Privilege Banking Photocopy of Business Permit (SIUP), Deed of Loan Incorporation and Amendments thereof Wealth Banking General Risks of Loan Photocopy of Professional License Collateral Documents (Ownership Certificate, Building Investment & Procedure for Bancassurance permit, Deed of Sale and Purchase, latest Land and Loan Products Building Tax) Utilization Treasury Products Collateral • Freehold Certificate (SHM) • Building Use Title (SHGB) Credit Simulation Operational • Flat Ownership Certificate (SHMRS) • SHGB and SHM over Rights of Management Network << Prev 1 2 3 4 5 Next >> 7.1. Kredit Pemilikan Rumah 5 HOME Savings Account Mortgage Mortgage Current Account Multi Purpose Loan Provisions regarding RAR (Repayment Ability Ratio) Term Deposits Invoice • Income ≤ Rp 10 million : 45% Financing • Income > Rp 10 million – Rp 25 million : 55% General Terms & Heavy Equipment • Income > Rp 25 million – Rp 60 million : 65% Interest Calculation Financing (HEF) • Income > Rp 60 million : 75% Facilities Car Investment Loan (KIMO) Terms and conditions Credit Cards Construction Investment Loan • Indonesian citizens Loans Commercial Property • Individual (not a business entity) Investment Loan • Minimum age 21 years or already married Privilege Banking Working Capital • Maximum age at the end of the credit period: Loan - 55 years for employees Wealth Banking General Risks of - 70 years for entrepreneurs and professionals Loan • Have worked/owned a business for at least 2 years Investment & Procedure for • Have a steady and sustainable income of at least Rp 5 million per month Bancassurance Loan Products Utilization • Completing administrative requirements Treasury Products Credit Simulation Operational Network << Prev 1 2 3 4 5 7.2. KMG UOB 1 HOME Savings Account Mortgage Multi Purpose Loan Current Account Multi Purpose Loan A loan facility which is provided to Individual Customers in the form of cash funds for customers' consumptive needs. Term Deposits Invoice Financing Purpose of Financing General Terms & Heavy Equipment Interest Calculation Financing (HEF) • Multipurpose Credit • Take Overof KMG • Top Up of Existing Loan • Top Up from Take Over Facilities Car Investment Loan (KIMO) Benefits Credit Cards Construction Investment Loan • Cash funds for various kinds of consumptive needs • Choice of period of up to 15 years Commercial Property Loans • Fast and easy process Investment Loan Working Capital Privilege Banking Amount of Loan Loan Wealth Banking General Risks of • Rp 150 million – Rp 20 billion Loan • Top Up : Min 100 million Investment & Procedure for • R/K consumption: Minimum of Rp 50 million and a maximum of 50% of the total credit limit Bancassurance Loan Products Utilization Term of Loan Treasury Products Credit Simulation • 1 – 15 years Operational Network 1 2 3 4 5 Next >> 7.2. KMG UOB 2 HOME Savings Account Mortgage Multi Purpose Loan Multi Purpose Current Account Terms and Conditions Loan Term Deposits Invoice • Indonesian citizens Financing • Individual (not a business entity) General Terms & Heavy Equipment • Minimum age 21 years or already married Interest Calculation Financing (HEF) • Maximum age at the end of the credit period: Facilities Car Investment - 55 years for employees Loan (KIMO) - 70 years for entrepreneurs and professionals Construction Credit Cards • Have worked/owned a business for at least 2 years Investment Loan • Have a steady and sustainable income of at least Rp 5 million per month Loans Commercial Property Investment Loan • Completing administrative requirements Privilege Banking Working Capital Loan Wealth Banking General Risks of Loan Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 4 5 Next >> 7.2. KMG UOB 3 HOME Savings Account Mortgage Multi Purpose Loan Multi Purpose Current Account Documents Loan Term Deposits Invoice Financing General Terms & Heavy Equipment Dokumen – dokumen Karyawan Profesional Wiraswasta Interest Calculation Financing (HEF) Photocopy of ID card of the applicant & husband/wife Facilities Car Investment Loan (KIMO) Photocopy of Family Card & Marriage Certificate Credit Cards Construction Photocopy of Personal TIN Investment Loan Photocopy of Company TIN Loans Commercial Property Photocopy of Bank Statement/ Savings for the last 3 months Investment Loan Salary Slip/Work and Salary Certificate/ Annual Income Tax Return Article 21 Privilege Banking Working Capital Loan Financial Report/Proof of Income/Annual Income Tax Return Article 21 Photocopy of Business Permit (SIUP), Deed of Incorporation and Wealth Banking General Risks of Loan Amendments thereof Photocopy of Professional License Investment & Procedure for Bancassurance Loan Products Collateral Documents (Ownership Certificate, Building permit, Utilization Deed of Sale and Purchase, latest Land and Building Tax) Treasury Products Credit Simulation Operational Network << Prev 1 2 3 4 5 Next >> 7.2. KMG UOB 4 HOME Savings Account Mortgage Multi Purpose Loan Multi Purpose Current Account Fees Loan Term Deposits Invoice • Provision Fee : In accordance with the applicable interest rate package Financing • Administrative Fee : In accordance with the applicable interest rate package General Terms & Heavy Equipment • Notary fee : Based on the loan ceiling and collateral location Interest Calculation Financing (HEF) • Life Insurance Fee : Based on the debtor's age and term of loan Facilities Car Investment Loan (KIMO) • Fire Insurance Fee : Based on building value, property type and term of loan • Appraisal (Collateral Assessment) Fee : Based on area of land and building type Credit Cards Construction Investment Loan Loans Commercial Property Investment Loan Collateral Privilege Banking Working Capital • Freehold Certificate (SHM) Loan • Flat Ownership Certificate (SHMRS) • Building Use Title (SHGB) Wealth Banking General Risks of Loan • SHGB and SHM over Rights of Management Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 4 5 Next >> 7.2. KMG UOB 5 HOME Savings Account Mortgage Multi Purpose Loan Current Account Multi Purpose Loan Provisions on RAR (Repayment Ability Ratio) Term Deposits Invoice • Income ≤ Rp 10 million : 45% Financing • Income > Rp 10 million – Rp 25 million : 55% General Terms & Heavy Equipment • Income > Rp 25 million – Rp 60 million : 65% Interest Calculation Financing (HEF) • Income > Rp 60 million : 75% Facilities Car Investment Loan (KIMO) Credit Cards Construction Investment Loan Loans Commercial Property Investment Loan Privilege Banking Working Capital Loan Wealth Banking General Risks of Loan Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 4 5 7.3. Invoice Financing 1 HOME Savings Account Mortgage Invoice Financing Current Account Multi Purpose Loan facility for working capital to finance trade receivables, with a term of loan of 1 year Loan Term Deposits Invoice Financing General Terms & Heavy Equipment Benefits Interest Calculation Financing (HEF) • Bank financing up to 80% of the value of invoices/other billing documents. Facilities Car Investment • The main collateral is the invoice/billing document itself Loan (KIMO) • Loan is in Rp/USD/SGD currency, according to the availability of currency when the Credit Cards Construction loan is disbursed. Investment Loan Loans Commercial Property Investment Loan Privilege Banking Working Capital Terms and Conditions Loan • Companies with Indonesian legal status, which have been approved by the competent authority Wealth Banking General Risks of • Prospective Debtor has a good reputation and meets the requirements of "Reputable Buyer" : Loan o The company has been operating for at least 10 years Investment & Procedure for Bancassurance Loan Products o Minimum company income of Rp. 750 Billion per year Utilization o Having a good/profitable financial condition for the last 3 years Treasury Products Credit Simulation Operational Network 1 2 3 Next >> 7.3. Invoice Financing 2 HOME Savings Account Mortgage Invoice Financing Current Account Multi Purpose Loan Documents Term Deposits Invoice • Photocopy of company legality document Financing • Financial statements for at least the last 2 years General Terms & Heavy Equipment • Photocopy of Bank Statement for at least the last 6 months Interest Calculation Financing (HEF) • Photocopy of sample of invoice/other invoice document, equiped with a copy of receipt for completion of Facilities Car Investment work, receipt of original invoice from customer and copy of tax invoice Loan (KIMO) • Other documents required by the Bank Credit Cards Construction Investment Loan Loans Commercial Property Investment Loan Collaterals Privilege Banking Working Capital Primary Loan • Fiduciary for the list of invoices of at least 125% of the total limit and the list of invoices must be updated Wealth Banking General Risks of periodically and registered with the local Fiduciary Registration Office. Loan Supplementary Investment & Procedure for • Personal Guarantee or Corporate Guarantee or cash or land and/or buildings. Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 Next >> 7.3. Invoice Financing 3 HOME Savings Account Mortgage Invoice Financing Current Account Multi Purpose Loan Fees Term Deposits Invoice • Floating interest rate, following the current interest rate Financing • Provision General Terms & Heavy Equipment • Handling Fee/administration of disbursement, 0.05% of the total amount of disbursement or a Interest Calculation Financing (HEF) minimum of Rp. 250 thousand per disbursement Facilities Car Investment • Insurance premium Loan (KIMO) • Notary fees Credit Cards Construction Investment Loan Loans Commercial Property Investment Loan Risks • Not all invoices can be accepted, only invoices that meet bank criteria can be financed, including: Privilege Banking Working Capital Loan o Maximum invoice age is 3 months Wealth Banking General Risks of o Invoices are not financed by other parties Loan o Invoices must be in standard format Investment & Procedure for • Default from the buyer Bancassurance Loan Products Utilization • At maturity of the loan, it still must be paid by the customer by using other funding sources Treasury Products Credit Simulation Operational Network << Prev 1 2 3 7.4. Heavy Equipment Financing 1 HOME Savings Account Mortgage Heavy Equipment Financing Current Account Multi Purpose An investment credit facility to finance the purchase of heavy equipment units as Loan capital/investment goods and the return is made by installments with a certain period and Term Deposits Invoice amount. Financing Benefits General Terms & Heavy Equipment Interest Calculation Financing (HEF) • Bank financing up to 80%. Facilities Car Investment • The main collateral is the heavy equipment being financed. Loan (KIMO) Credit Cards Construction Investment Loan Types of Heavy Equipment • Forklift Loans Commercial Property • Hydraulic Excavator • Wheel Dozer Investment Loan • Heavy Duty Dump Truck • Bulldozer • Articulated Dump Truck • Other types of heavy Privilege Banking Working Capital • Motor Grader • Backhoe Loader Loan equipment approved by • Wheel Loader • Crawler Crane Wealth Banking General Risks of the Bank Loan Investment & Procedure for Terms and Conditions Bancassurance Loan Products • Prospective Debtors are individuals or legal entity companies in the territory of Indonesia Utilization Treasury Products • The work contract serves as the underlying for the purchase of heavy equipment. Credit Simulation Operational Network 1 2 3 Next >> 7.4. Heavy Equipment Financing 2 HOME Savings Account Mortgage Heavy Equipment Financing Current Account Multi Purpose Loan Documents Term Deposits Invoice • Photocopy of company legality document Financing • Financial statements for at least the last 2 years General Terms & Heavy Equipment • Photocopy of Bank Statement for at least the last 6 months Interest Calculation Financing (HEF) • List of heavy equipment owned Facilities Car Investment • Photocopy of rental contract/work contract/sale and purchase contract which will be the source of repayment Loan (KIMO) to the bank Credit Cards Construction • Other documents required by the Bank Investment Loan Loans Commercial Property Investment Loan Collaterals Privilege Banking Working Capital Primary Loan • Heavy equipment being financed Wealth Banking General Risks of Supplementary Loan • Personal Guarantee or Corporate Guarantee or cash or land and/or buildings. Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 Next >> 7.4. Heavy Equipment Financing 3 HOME Savings Account Mortgage Heavy Equipment Financing Current Account Multi Purpose Loan Fees • Provision * Term Deposits Invoice • Preparation of Deed of Credit Agreement * Financing • Preparation of Deed of Fiduciary Guarantee * • Administration * General Terms & Heavy Equipment • Insurance premium * • Others * Interest Calculation Financing (HEF) *According to the applicable rates Facilities Car Investment Loan (KIMO) Risks Credit Cards Construction • Not all heavy equipment brands can be financed by the bank, only heavy equipment that has distributors and Investment Loan full-time sales services (service & spare parts) in Indonesia will be financed. Loans Commercial Property Investment Loan Privilege Banking Working Capital Loan Wealth Banking General Risks of Loan Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 7.5. Kredit Investasi Mobil 1 HOME Savings Account Mortgage Car Investment Loan (KIMO) Current Account Multi Purpose Loan An investment credit facility for the purchase of new commercial vehicles in the form of trucks or buses with on the road or off the road conditions that will be used for business Term Deposits Invoice Financing purposes and the repayment is made by installments within a certain period and amount. General Terms & Heavy Equipment Interest Calculation Financing (HEF) Benefits Facilities Car Investment • Bank financing up to 80% of the unit price of commercial vehicles including Loan (KIMO) VAT and BBNKB (especially for on the road vehicles) Credit Cards Construction Investment Loan • The primary collateral is the commercial vehicle being financed. Loans Commercial Property Investment Loan Types of vehicle Privilege Banking Working Capital • Dump Truck • TankerTruck • Trailer Truck Loan • Mixer Truck • Steel/Wooden Container Truck • Other types of vehicles Wealth Banking General Risks of • Flatbed Truck • Box Truck approved by the Bank Loan Investment & Procedure for Terms and Conditions Bancassurance Loan Products Utilization • Prospective Debtors are individuals or legal entity companies in the territory of Indonesia Treasury Products • The work contract serves as the underlying for the purchase of commercial vehicle units. Credit Simulation Operational Network 1 2 Next >> 7.5. Kredit Investasi Mobil 2 HOME Savings Account Mortgage Car Investment Loan (KIMO) Current Account Multi Purpose Loan Documents Term Deposits Invoice • Photocopy of company legality document Financing • Financial statements for at least the last 2 years General Terms & Heavy Equipment • Photocopy of Bank Statement for at least the last 6 months Interest Calculation Financing (HEF) • List of commercial vehicles owned Facilities Car Investment • Photocopy of rental contract/work contract/sale and purchase contract which will be the source of repayment Loan (KIMO) to the bank Credit Cards Construction • Other documents required by the Bank Investment Loan Fees Loans Commercial Property • Preparation of Deed of Credit Agreement * • Provision * Investment Loan • Preparation of Deed of Fiduciary Guarantee * • Administration * Privilege Banking Working Capital • Insurance premium * • Others * Loan *According to the applicable rates Wealth Banking General Risks of Loan Risks Investment & Procedure for • Not all heavy equipment brands can be financed by the bank, only heavy equipment that has distributors and Bancassurance Loan Products full-time sales services (service & spare parts) in Indonesia will be financed. Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 7.6. Kredit Investasi Kontruksi 1 HOME Savings Account Mortgage Construction Investment Loan Current Account Multi Purpose Investment credit facility to finance the construction of new business premises, Loan rehabilitation, modernization, expansion and relocation with an agreed withdrawal and Term Deposits Invoice repayment schedule. Financing General Terms & Heavy Equipment Benefits Interest Calculation Financing (HEF) • Bank financing up to 70% of the total building’s Budget Estimate Plan (RAB). Facilities Car Investment • The main collateral is the land and buildings being funded for construction. Loan (KIMO) Credit Cards Construction Investment Loan Loans Commercial Property Investment Loan Types of Building Construction Privilege Banking Working Capital • Shop house/office house • Factory Loan • Hotel • Shopping center Wealth Banking General Risks of • Warehouse • Other types of building construction approved by the Bank Loan Investment & Procedure for Terms and Conditions Bancassurance Loan Products Utilization • Prospective debtors are individuals or companies with legal status in the territory of Indonesia Treasury Products • The building construction is located on the customer's land Credit Simulation Operational Network 1 2 3 Next >> 7.6. Kredit Investasi Kontruksi 2 HOME Savings Account Mortgage Construction Investment Loan Current Account Multi Purpose Loan Documents Term Deposits Invoice • Photocopy of company legality document Financing • Financial statements for at least the last 2 years General Terms & Heavy Equipment • Photocopy of Bank Statement for at least the last 6 months Interest Calculation Financing (HEF) • Building’s Budget Estimate Plan (RAB) Facilities Car Investment • Construction contractor data Loan (KIMO) • Other documents required by the Bank Credit Cards Construction Investment Loan Loans Commercial Property Fees Investment Loan • Preparation of Deed of Credit Agreement * • Provision * Working Capital Privilege Banking • Preparation of Deed of Fiduciary Guarantee * • Administration * Loan • Insurance premium * • Others * Wealth Banking General Risks of Loan *According to the applicable rates Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 Next >> 7.6. Kredit Investasi Kontruksi 3 HOME Savings Account Mortgage Construction Investment Loan Current Account Multi Purpose Loan Risks Term Deposits Invoice • Construction errors are not covered by insurance Financing • The cost of land acquisition & licensing does not include those financed by the bank General Terms & Heavy Equipment • For reimbursement, invoices that can be financed by the bank only those that meet the criteria, among Interest Calculation Financing (HEF) others : Facilities Car Investment o Maximum invoice age of 3 months Loan (KIMO) o Invoices which are not financed by other parties Credit Cards Construction o Invoices which must be in standard format Investment Loan Loans Commercial Property Investment Loan Privilege Banking Working Capital Loan Wealth Banking General Risks of Loan Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 7.7. Kredit Investasi Properti Komersial 1 HOME Savings Account Mortgage Commercial Property Investment Loan Current Account Multi Purpose Loan An investment credit facility to finance the purchase of ready-to-use/finished commercial properties, both new and used condition and to be used for business purposes with an Term Deposits Invoice agreed withdrawal and repayment schedule. Financing General Terms & Heavy Equipment Benefits Interest Calculation Financing (HEF) • Bank financing up to 70% of the property's net price Facilities Car Investment • The main collateral is land and building of commercial property whose Loan (KIMO) purchase is being financed. Credit Cards Construction Investment Loan Loans Commercial Property Investment Loan Types of Building Privilege Banking Working Capital • Shop house/office house • Factory Loan • Office space • Showroom Wealth Banking General Risks of • Warehouse • Other types of building construction approved by the Bank Loan Investment & Procedure for Terms and Conditions Bancassurance Loan Products Utilization • Prospective debtors are individuals or companies with legal status in the territory of Indonesia Treasury Products • The property is located in a strategic and marketable location Credit Simulation Operational Network 1 2 Next >> 7.7. Kredit Investasi Properti Komersial 2 HOME Savings Account Mortgage Commercial Property Investment Loan Current Account Multi Purpose Loan Documents Term Deposits Invoice • Photocopy of company legality document Financing • Financial statements of at least the last 2 years (audited/inhouse) in accordance with applicable regulations General Terms & Heavy Equipment • Copy of savings account of at least the last 6 months Interest Calculation Financing (HEF) • Copy of Sale and Purchase Agreement (SPJB) Facilities Car Investment • Other documents required by the Bank Loan (KIMO) Fees Credit Cards Construction Investment Loan • Preparation of Deed of Credit Agreement * • Provision * • Administration * Loans Commercial Property • Preparation of Deed of Fiduciary Guarantee * Investment Loan • Insurance premium * • Others * Privilege Banking Working Capital *According to the applicable rates Loan Risks Wealth Banking General Risks of Loan • Only property that already has its own certificate can be financed by the bank (separated from the root Investment & Procedure for certificate) Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 7.8. Kredit Modal Kerja 1 HOME Savings Account Mortgage Working Capital Loan Current Account Multi Purpose Loan • Bank Statement Loan (PRK) • Revolving Credit Facility (RCF) Term Deposits Invoice Financing A revolving working capital loan facility to support the company's operational activities General Terms & Heavy Equipment with a maximum loan period of 12 months and can be extended as needed. Interest Calculation Financing (HEF) Facilities Car Investment Loan (KIMO) Credit Cards Construction Benefits Investment Loan • It provides flexibility and ease of use of the company's cash flow Loans Commercial Property • Withdrawals can be made at any time by using Current Account Bilyet (PRK) and Customer Investment Loan Instruction Letter (CIL) Privilege Banking Working Capital • Flexible collateral coverage (it can be <100% of the total loan value) Loan • Credit limits that have not been withdrawn are not subject to interest and repayment is made at the Wealth Banking General Risks of maturity date of the Facility Loan Investment & Procedure for Bancassurance Loan Products Terms and Conditions Utilization Treasury Products • Prospective debtors are individuals or companies with legal status in the territory of Indonesia • Have a business that is feasible to be financed by the Bank Credit Simulation Operational Network 1 2 Next >> 7.8. Kredit Modal Kerja 2 HOME Savings Account Mortgage Working Capital Loan Current Account Multi Purpose Loan Documents Term Deposits Invoice • Photocopy of company legality document Financing • Financial statements of at least the last 2 years (audited/inhouse) in accordance with General Terms & Heavy Equipment applicable regulations Interest Calculation Financing (HEF) • Copy of savings account of at least the last 6 months Facilities Car Investment • Other documents required by the Bank Loan (KIMO) Fees Credit Cards Construction Investment Loan • Preparation of Deed of Credit Agreement * • Provision * • Administration * Loans Commercial Property • Preparation of Deed of Fiduciary Guarantee * Investment Loan • Insurance premium * • Others * Privilege Banking Working Capital *According to the applicable rates Loan Wealth Banking General Risks of Risks Loan The buyer's payment maturity may change, so it is no longer the same as the maturity of CIL Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 7.8. Kredit Modal Kerja 3 HOME Savings Account Mortgage General Risks of Loan Current Account Multi Purpose Loan 1. Receiving a loan in the amount below the value of the collateral or security The amount of the loan granted is based on the results of the credit analysis carried out by the bank, it does Term Deposits Invoice Financing not only refer to the value of the pledged asset. General Terms & Heavy Equipment In principle, the bank will provide loans according to customer needs and repayment ability. Interest Calculation Financing (HEF) Facilities Car Investment 2. If the customer fails to pay off the loan, the collateral or security will belong to the bank Loan (KIMO) The pledged asset is legally bound (notarial) as collateral for the repayment of the loan to the bank. When Construction Credit Cards customers fail to pay off the loan the pledged assets will be owned by the bank. Investment Loan Loans Commercial Property Investment Loan 3. Supervision from the bank on customer’s business activities As long as the loan has not been fully repaid, bank supervision on the customer's business activities will be Privilege Banking Working Capital Loan carried out periodically and continuously. Wealth Banking General Risks of Example: Loan • The bank will ask for periodic financial statement (quarterly, biannually & annually) Investment & Procedure for • Any changes in management or shareholders must be informed to the bank Bancassurance Loan Products • Collateral (especially land & buildings), if it is to be leased to another party, must obtain prior approval Utilization Treasury Products from the bank Credit Simulation • And others Operational Network 1 2 Next >> 7.8. Kredit Modal Kerja 4 HOME Savings Account Mortgage General Risks of Loan Current Account Multi Purpose Loan 4. Top up of collateral or security value Customers are required to add collateral or security when the collateral value cannot cover the entire Term Deposits Invoice Financing remaining loan amount. It usually happens due to a decrease or depreciation in the value of collateral such General Terms & Heavy Equipment as machines, vehicles and others. Interest Calculation Financing (HEF) Facilities Car Investment 5. The loan installment amount is subject to change Loan (KIMO) The loan installment amount is subject to change because the loan interest rate is fluctuating. The bank Construction Credit Cards usually takes a policy by changing the loan interest rate to adjust to changes in the cost of funds (FTP), BI Investment Loan rate and others. Loans Commercial Property Investment Loan Privilege Banking Working Capital Loan Wealth Banking General Risks of Loan Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 7.8. Kredit Modal Kerja 5 HOME Savings Account Mortgage Procedure for Loan Products Utilization Current Account Multi Purpose Loan • To get Loan product services, you can access it via: Term Deposits Invoice 1. Contact center 14008 Financing 2. Nearest UOBI branch General Terms & Heavy Equipment 3. Related sales officer Interest Calculation Financing (HEF) Facilities Car Investment • Procedure for applying for Loan products: Loan (KIMO) 1. Submission of an application letter and submission of the required documents Credit Cards Construction Investment Loan 2. Examination of submitted documents 3. Interview & site visit (on the spot) Loans Commercial Property Investment Loan 4. Credit analysis Privilege Banking Working Capital 5. Credit granting decisions Loan 6. Signing of credit agreements Wealth Banking General Risks of 7. Realization of credit disbursement Loan 8. Credit supervision Investment & Procedure for 9. Credit repayment Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network 1 2 Next >> 7.8. Kredit Modal Kerja 6 HOME Savings Account Mortgage Procedure for Loan Products Utilization Current Account Multi Purpose Loan • Application mechanism for Loan products: Invoice Term Deposits Mechanism for Loan products Financing General Terms & Heavy Equipment Interest Calculation Financing (HEF) Contact the bank: 14008 Submission of applications call center/nearest UOBI & document files required Facilities Car Investment branch/related sales officer Loan (KIMO) Customer Credit Cards Construction ce Investment Loan i The branch call center f The sales officer informs f Related sales officer, officer/customer service Sales officer prepares a O follow up to customers for credit proposal to be the customer that the Commercial Property t accepts the request and Loans file submission, interview submitted to the credit credit application is on follows it up to the related Investment Loan r & site visit approver rejected F sales officer Privilege Banking Working Capital Loan No Credit Analyst & Credit Wealth Banking General Risks of Approver ce i Loan f f O Approved Signing of Credit Investment & Credit analysis process Disbursement ck Yes Agreement & Procedure for and decision to grant credit and repayment a Security Agreement Bancassurance Loan Products B of credit Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 7.8. Kredit Modal Kerja 7 HOME Savings Account Mortgage Credit Simulation Current Account Multi Purpose Loan TERM LOAN (HEF, KIMO, KISI, CPL) Term Deposits Invoice • Calculation of credit interest uses the annuity method, namely the number of installments each month is the Financing same General Terms & Heavy Equipment • Formula of Interest Calculation: Interest Calculation Financing (HEF) Facilities Car Investment Loan (KIMO) Credit Cards Construction Investment Loan Credit Interest = SP x i x (JH/360) Loans Commercial Property Investment Loan Privilege Banking Working Capital Loan Given: Wealth Banking General Risks of SP = Previous month's loan principal balance Loan İ = Credit interest rate per year Investment & Procedure for JH = Number of days in 1 month Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network 1 2 3 4 5 6 Next >> 7.8. Kredit Modal Kerja 8 HOME Savings Account Mortgage Credit Simulation Current Account Multi Purpose Loan TERM LOAN (HEF, KIMO, KISI, CPL) Term Deposits Invoice • Formula for calculation of debt principal : Financing General Terms & Heavy Equipment Interest Calculation Financing (HEF) Facilities Car Investment Debt Principal = SP x [ ( i/12 ) x 100% ] Loan (KIMO) Credit Cards Construction Investment Loan Given: Loans Commercial Property Investment Loan SP = Previous month's loan principal balance Privilege Banking Working Capital İ = Credit interest rate per year Loan Wealth Banking General Risks of Loan Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 4 5 6 Next >> 7.8. Kredit Modal Kerja 9 HOME Savings Account Mortgage Credit Simulation Current Account Multi Purpose Example: Loan Customer A obtains a Car Investment Credit Facility (KIMO) of Rp. 240,000,000 with an Interest rate of 10% Term Deposits Invoice p.a. and a period of 24 months. Financing How much is the amount of installment per month? General Terms & Heavy Equipment Interest Calculation Financing (HEF) Month Balance Annuity Interest Principal Installments Total Installments Car Investment Facilities 0 240,000,000 0 0 0 Loan (KIMO) 1 230,925,218 9,074,782 2,000,000 11,074,782 Credit Cards Construction Investment Loan 2 221,774,812 9,150,406 1,924,377 11,074,782 Loans Commercial Property 3 212,548,153 9,226,659 1,848,123 11,074,782 Investment Loan 4 203,244,606 9,303,548 1,771,235 11,074,782 Working Capital Privilege Banking 5 193,863,528 9,381,077 1,693,705 11,074,782 Loan 6 184,404,275 9,459,253 1,615,529 11,074,782 Wealth Banking General Risks of Loan 7 174,866,195 9,538,080 1,536,702 11,074,782 Investment & Procedure for 8 165,248,631 9,617,564 1,457,218 11,074,782 Bancassurance Loan Products 9 155,550,921 9,697,710 1,377,072 11,074,782 Utilization Treasury Products 10 145,772,396 9,778,525 1,296,258 11,074,782 Credit Simulation Operational 11 135,912,384 9,860,012 1,214,770 11,074,782 Network << Prev 1 2 3 4 5 6 Next >> 7.8. Kredit Modal Kerja 10 HOME Savings Account Mortgage Credit Simulation Current Account Multi Purpose Loan Month Balance Annuity Interest Principal Installments Total Installments Term Deposits Invoice 12 125,970,205 9,942,179 1,132,603 11,074,782 Financing 13 115,945,174 10,025,031 1,049,752 11,074,782 General Terms & Heavy Equipment 14 105,836,602 10,108,573 966,210 11,074,782 Interest Calculation Financing (HEF) 15 95,643,791 10,192,811 881,972 11,074,782 Facilities Car Investment Loan (KIMO) 16 85,366,040 10,277,751 797,032 11,074,782 Credit Cards Construction 17 75,002,642 10,363,399 711,384 11,074,782 Investment Loan 18 64,552,881 10,449,760 625,022 11,074,782 Loans Commercial Property 19 54,016,040 10,536,842 537,941 11,074,782 Investment Loan 20 43,291,391 10,624,649 450,134 11,074,782 Privilege Banking Working Capital Loan 21 32,679.204 10,713,187 361,595 11,074,782 Wealth Banking General Risks of 22 21,875,740 10,802,464 272,318 11,074,782 Loan 23 10,983,255 10,892,484 182,298 11,074,782 Investment & Procedure for 24 0 10,983,255 91,527 11,074,782 Bancassurance Loan Products Utilization Note: The installment table above is for illustration purposes only and may differ from the real calculation Treasury Products result in the system Credit Simulation Operational Network << Prev 1 2 3 4 5 6 Next >> 7.8. Kredit Modal Kerja 11 HOME Savings Account Mortgage Credit Simulation Current Account Multi Purpose Loan DEMAND LOAN (PRK & RCF) • Calculation of credit interest uses the daily outstanding balance method. Term Deposits Invoice Financing • Formula of Interest Calculation: General Terms & Heavy Equipment Interest Calculation Financing (HEF) Facilities Car Investment Loan (KIMO) Credit Interest = (SP x i x JH)/360 Credit Cards Construction Investment Loan Loans Commercial Property Investment Loan Given: SP = Outstanding principal of the loan used Privilege Banking Working Capital Loan İ = Credit interest rate per year JH = Number of days the outstanding principal of the loan is used Wealth Banking General Risks of Loan Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 4 5 6 Next >> 7.8. Kredit Modal Kerja 12 HOME Savings Account Mortgage Credit Simulation Current Account Multi Purpose Example: Loan Outstanding balance of customer B loans at UOBI Bank from March 20 2018 to April 20 2018 is Rp. Term Deposits Invoice 500,000,000. If the Interest rate of the Loan is 11% p.a, then what is the interest expense that must be paid Financing when the monthly interest payment is due on April 20, 2018? General Terms & Heavy Equipment Interest Calculation Financing (HEF) Facilities Car Investment Loan (KIMO) Credit Interest = (Rp. 500,000,000 x 11% x 30)/360 = Rp. 4,583,333 Credit Cards Construction Investment Loan Note: The installment table above is for illustration purposes only and may differ from the real Loans Commercial Property Investment Loan calculation result in the system Privilege Banking Working Capital Loan Wealth Banking General Risks of Loan Investment & Procedure for Bancassurance Loan Products Utilization Treasury Products Credit Simulation Operational Network << Prev 1 2 3 4 5 6 8.1. Layanan Istimewa 1 HOME Savings Account Privilege Services Privilege Services Current Account Exclusive Facilities As a UOB Privilege Banking Customer who has met the special requirements determined by the Bank, the Customer can enjoy the privileges of the exclusive UOB Privilege Banking Term Deposits membership service and all the facilities and conveniences that come with it as per the proposition of UOB Privilege Banking which is divided into 3 pillars: General Terms & 1. Advice: Client Advisor, Product Specialist, Wealth Management Advisory Interest Calculation 2. Solution: Bank & Wealth Management Solution (Savings products, investment, Facilities insurance, treasury) 3. Recognition & Access: . Preferential Services (Teller Lane, Reserved & Free Parking, SDB, UOB Info) Credit Cards . Privilege Lifestyle (Lifestyle Privileges, Education Advisory, Banking Privileges) Loans Education Concierge Consulting services and assistance in preparation for schools/studies abroad Privilege Banking Description • In collaboration with international education consultants; SUN Education Group & ICAN Education provides consulting services for educational preparation abroad, from school Wealth Banking and accommodation options, estimated school fees and living costs, to enrollment at selected schools. Investment & • Privilege Banking Customer identification is through UOB Privilege Banking ATM/Debit Bancassurance Card/confirmation from UOB. SUN Education Group: 021 – 5366 0001 Treasury Products Education Consulting Concierge Services Operational ICAN Education: 021 – 5421 0200/021- 5422 0200 Network 1 2 Next >> 8.1. Layanan Istimewa 10 HOME Savings Account Privilege Services Privilege Services Current Account Exclusive Wealth Management Advisory Facilities A competent specialist & research team who is ready to assist customers in providing financial planning Term Deposits solutions General Terms & Description . Supported by an in-depth research framework, a specialist & research team is ready to Interest Calculation provide observations of market movements and financial planning solutions for customers. Facilities Daily Market Update Credit Cards One of the market observations prepared by the UOB Wealth Management Advisory team Description . It can be accessed through www.uob.co.id/privilegebanking which provides the latest Loans market information every day accompanied by appropriate financial management strategies. Privilege Banking Wealth Planning Calculator Assisting customers in planning their retirement period and education independently Wealth Banking Description . It provides information on the estimated needs for education funds and retirement period Investment & with the help of an independent calculator which can be accessed through Bancassurance www.uob.co.id/privilegebanking Risks Treasury Products The special and exclusive services from UOB Privilege Banking cannot be enjoyed in full if the Customer's funds Operational are less than the amount required by the Bank (Minimum total fund requirement is Rp. 1 Billion). Network << Prev 1 2 8.2. Fasilitas Eksklusif 1 HOME Savings Account Privilege Services Exclusive Facilities Current Account Exclusive Facilities Privilege Banking Center Term Deposits Provides convenience and privacy for you in making transactions General Terms & Description . The room is equipped with comfortable facilities: cable TV, Interest Calculation meeting room. . Available in 5 (five) major cities in Indonesia: Jakarta, Bandung, Facilities Surabaya, Medan & Semarang . The list of locations can be seen at Credit Cards www.uob.co.id/privilegebanking Privilege Banking ATM/Debit Card Loans It is a special ATM/Debit card for Privilege Banking customers Description . It functions as an identity card for Privilege Banking Customer. Privilege Banking . It functions as an ATM/Debit card with a higher transaction limit. . Free cash withdrawals via UOB ATMs, at home and abroad, including ATM Bersama and Wealth Banking Prima (minimum balance before Cash Withdrawal transaction is Rp. 1 million). . Various special offers from selected merchants can be seen at Investment & www.uob.co.id/privilegebanking. Bancassurance Treasury Products Operational Network 1 2 3 Next >> 8.2. Fasilitas Eksklusif 2 HOME Savings Account Privilege Services Exclusive Facilities Current Account Exclusive Facilities UOB Credit Card It is a UOB Credit Card with VISA Signature PRVI Miles type provided to Privilege Banking Customers Term Deposits General Terms & Description . Free annual fee for Customer and 4 (four) family members. Interest Calculation . Enjoy the best exchange rates for shopping in Singapore and the ease of making Facilities transactions wherever the customer is. Privilege Teller Lane Credit Cards A special queue line prepared to speed up the process of customer banking transactions Loans Description . Only by showing the Privilege Banking ATM/Debit card, the Customer can make transactions without queues which are available at several special branches. Privilege Banking Reserved & Free Parking Wealth Banking A special and free parking area to facilitate the Customer's visit to the Privilege Banking Center Investment & Description . Reserved parking facility is available at certain UOB Privilege Banking branches. Bancassurance . Free parking facility is available at certain UOB Privilege banking branches. . Free parking coupons and reserved parking stickers can be obtained through the Service Treasury Products Relationship Manager (SRM) at the local Privilege Banking branch. . Identification of Privilege Banking Customer is through UOB Privilege Banking ATM/Debit Operational card. Network << Prev 1 2 3 Next >> 8.2. Fasilitas Eksklusif 3 HOME Savings Account Privilege Services Exclusive Facilities Safe Deposit Box Current Account Exclusive Facilities Storage facility for Customer's valuable goods Term Deposits Description: General Terms & SDB facilities based on the type of SDB and minimum total account balance required Interest Calculation SDB Annual Account SDB Type Segment Total Account Balance Fees* Requirements Facilities Privilege Banking Free A > IDR 1 Billion PV: Wealth Banking Discount 50% Privilege Account Credit Cards Privilege Banking > IDR 100 Million Normal Price (PVA) B/C/D & > IDR 500 Million Discount 50% Wealth Banking WB: Stash Account Loans > IDR 500 Million (WM > IDR 100 Million) Free Lifestye Privileges Privilege Banking . Special Occasion Gift, we prepare various attractive prizes in various special moments for Customers. . Events & Seminars, special invitations to attend various events that provide the latest information on the Wealth Banking market economy, investment, or the latest lifestyle. Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 HOME 9.1. Layanan Istimewa 1 Savings Account Privilege Services Privilege Services Current Account Exclusive As a UOB Wealth Banking Customer who has met the special requirements determined Facilities by the Bank, the Customer can enjoy the privileges of the exclusive UOB Wealth Banking Term Deposits membership service and all the facilities and conveniences that come with it as per the proposition of UOB Wealth Banking which is divided into 3 pillars: General Terms & 1. Advisory: Relationship Manager (RM), Wealth Management Advisory, Wealth Interest Calculation Advisory Insight, Mortgage Specialist 2. Product: Savings products, investment products, UOB Indonesia ATM card, UOBI Facilities PRIVI MILES credit card, Home Loan 3. Lifestyle Privileges & Event: Special price for SDB facilities, Education Advisory, Credit Cards Interesting offers and discounts on birthdays Loans Advisory Relationship Manager • Specifically dedicated to assist customers maximize their financial goals Privilege Banking Wealth Management • A competent specialist and research team is ready to assist customers in Advisory providing financial planning solutions Wealth Banking Wealth Advisory • Providing the latest market information prepared by Wealth Management Investment & Insight Advisory Team which can be accessed via Bancassurance https://www.uob.co.id/wealthbanking/index.page Mortgage Specialist • Dedicated to assist the property needs of customers Treasury Products Treasury Products Operational Operational Network Network 1 2 Next >> HOME 9.1. Layanan Istimewa 2 Savings Account Privilege Services Privilege Services Exclusive Current Account Risks Facilities The special and exclusive services from UOB Wealth Banking cannot be enjoyed in full if the Customer's funds Term Deposits are less than the amount required by the Bank (Minimum total fund requirement is Rp. 100 Million). General Terms & Interest Calculation Facilities Credit Cards Loans Privilege Banking Wealth Banking Investment & Bancassurance Treasury Products Treasury Products Operational Operational Network Network << Prev 1 2 HOME 9.2. Fasilitas Eksklusif 1 Savings Account Privilege Services Exclusive Facilities Current Account Exclusive Facilities Safe Deposit Box Storage facility for Customer's valuable goods Term Deposits Description . SDB facilities based on the type of SDB and minimum total General Terms & account balance required Interest Calculation Facilities SDB Annual Account SDB Type Segment Total Account Balance Credit Cards Fees* Requirements Privilege Banking Free A > IDR 1 Billion PV: Loans Wealth Banking Discount 50% Privilege Account Privilege Banking > IDR 100 Million Normal Price (PVA) Privilege Banking B/C/D & > IDR 500 Million Discount 50% WB: Stash Account Wealth Banking > IDR 500 Million (WM > IDR 100 Million) Free Wealth Banking Education Advisory Investment & Consulting services and assistance in preparation for schools/studies abroad Bancassurance Treasury Products Treasury Products Operational Operational Network Network 1 2 3 Next >> HOME 9.2. Fasilitas Eksklusif 2 Savings Account Privilege Services Exclusive Facilities Current Account Exclusive Facilities Education Advisory Description • In collaboration with international education consultants; SUN Education Group & ICAN Term Deposits Education provides consulting services for educational preparation abroad, from school and accommodation options, estimated school fees and living costs, to enrollment at General Terms & selected schools. Interest Calculation • Wealth Banking Customer identification is through UOB Wealth Banking ATM/Debit Card / confirmation from UOB. Facilities SUN Education Group: 021 – 5366 0001 Education Consulting Credit Cards Concierge Services ICAN Education: 021 – 5421 0200/021- 5422 0200 Loans Offers and discounts on Birthdays Privilege Banking Provide attractive offers and discounts from selected merchants by transacting using UOB Indonesia credit/debit card. Wealth Banking Debit Card Investment & Card facilities provided to customers who have a Savings and Current Accounts at Bank UOB Indonesia that Bancassurance provide security and comfort. Treasury Products BenefitsTreasury Products• Ease of Shopping, at more than 10 million merchants worldwide and more than 120 thousand merchants with VISA logo spread all over the world. Operational Operational Network Network << Prev 1 2 3 Next >> HOME 9.2. Fasilitas Eksklusif 3 Savings Account Privilege Services Exclusive Facilities Current Account Exclusive Facilities Debit Card Benefits • Ease of Transaction : Term Deposits Transfer, cash withdrawal and check balance transactions at ATM machines bearing the General Terms & logo of ATM Bersama, PRIMA and VISA/PLUS at more than 48,000 ATMs throughout Interest Calculation Indonesia. Free of cash withdrawal & balance check transaction fees at UOB Group ATM machines Facilities in other countries, namely: Singapore, Malaysia & Thailand. Free of cash withdrawal transaction fees up to the 15th transaction at all ATM Bersama and ATM Prima machines network with a minimum balance before withdrawal of Rp. 1 Credit Cards million. Online transfer transactions between banks at ATM machines bearing the logo: ATM Loans Bersama and Prima at more than 48,000 ATMs throughout Indonesia. To carry out bill payments and purchases through UOB Indonesia ATMs such as: UOB Privilege Banking Credit Card bill payments, electricity (PLN)/mobile phone credit purchases, etc. UOB Credit Card Wealth Banking It is a UOB Credit Card with VISA Signature PRVI Miles type provided to Wealth Banking Customers Investment & Description . Free annual fee. Bancassurance . Enjoy the best exchange rates for shopping in Singapore and the ease of making transactions wherever the customer is. Treasury Products Treasury Products Operational Operational Network Network << Prev 1 2 3 10.1. Reksa Dana 1 HOME Savings Account Mutual Funds Mutual Funds Current Account Builder Investor Account An investment alternative that can provide opportunities for customers to develop investments through securities portfolios (both money market and capital market Term Deposits Builder Assurance instruments) managed by the Investment Manager. Account General Terms & Interest Calculation Smart Provider Benefits Facilities Builder Investor • Choosing the right and appropriate investment will provide maximum investment Account Max returns. Credit Cards Builder Assurance Account Max Mutual Fund Investment Manager PRUprotector Loans • PT Schroder Investment Management Indonesia Plan • PT Manulife Aset Manajemen Indonesia Privilege Banking PRUlife Cover • PT BNP Paribas Investment Partners • PT Mandiri Manajemen Investasi Wealth Banking • PT Danareksa Investment Management Investment & • PT Batavia Prosperindo Aset Manajemen Bancassurance Treasury Products Operational Network 1 2 3 4 Next >> 10.1. Reksa Dana 2 HOME Savings Account Mutual Funds Mutual Funds Current Account Builder Investor Types of Mutual Funds Marketed Account • Money Market Mutual Funds Term Deposits Builder Assurance Account • Fixed Income Mutual Funds General Terms & • Mixed Mutual Funds Smart Provider Interest Calculation • Equity Mutual Funds Facilities Builder Investor • Index Mutual Funds Account Max General Requirements Credit Cards Builder Assurance Account Max • Transactions are only valid for individual customers PRUprotector • Customer has an account at PT Bank UOB Indonesia in the form of Savings or Current Account Loans Plan (excluding payroll accounts for PT Bank UOB Indonesia employees) • Filling out the Risks Profile Questionnaire Form Privilege Banking PRUlife Cover • Filling out the Mutual Fund Form • Filling out the Mutual Fund Power of Attorney Wealth Banking • Filling out the Approval Form for Use of Customer Data Investment & Bancassurance Documents Treasury Products • KTP (for Indonesian Citizens) • Passport and KIMS/KITAS (for foreign nationals) Operational • TIN Network << Prev 1 2 3 4 Next >> 10.1. Reksa Dana 3 HOME Savings Account Mutual Funds Mutual Funds Current Account Builder Investor Account Fees Term Deposits Builder Assurance • Subscription Fee (Subscription Fee for Participation Units) Account • Switching Fee (Switching Fee for Participation Units) General Terms & Interest Calculation Smart Provider • Redemption Fee (Redemption Fee for Participation Units) • Deferred Sales Charge/"DSC" specifically for Mutual Fund products managed by PT Manulife Aset Facilities Builder Investor Manajemen Indonesia Account Max Credit Cards Builder Assurance Account Max Special Note PRUprotector Loans • Sales of Mutual Fund products can only be made by employees registered with the Financial Services Plan Authority and supervised by the Financial Services Authority. • Bank functions as Mutual Fund Sales Agent. Privilege Banking PRUlife Cover • Investments through Mutual Funds contain Risks. Prospective investors must read and understand the Wealth Banking prospectus and understand the Risks before deciding to invest in a mutual fund. Past performance does not reflect future performance. Investment & • Mutual Funds are capital market products and are not Bank products so they are not guaranteed by the Bancassurance Bank and are not included in the scope of the government guarantee program or loan guarantee program. Treasury Products Operational Network << Prev 1 2 3 4 Next >> 10.1. Reksa Dana 4 HOME Savings Account Mutual Funds Mutual Funds Current Account Builder Investor Account Risks Term Deposits Builder Assurance • Risks of Reduction in Participation Unit Value Account • Risks of Liquidity General Terms & • Risks of Changes in Securities Allocation in Investment Policy Interest Calculation Smart Provider • Risks of Changes in Political, Legal, Regulatory, and Economic Conditions at home and abroad Facilities Builder Investor Account Max • Risks of Violation of Contract and Credit • Risks of Market Credit Cards Builder Assurance Account Max • Risks of Transaction Settlement PRUprotector • Risks of Fluctuation in Interest Rate and Exchange Rate Loans Plan • Risks of Dissolution and Liquidation Privilege Banking PRUlife Cover Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 10.2. Builder Investor Account 1 HOME Savings Account Mutual Funds Builder Investor Account (BIA) Current Account Builder Investor Account An insurance product specifically designed for customers, where the policy value depends on the investment generated. Term Deposits Builder Assurance Account Benefits General Terms & • It comes with life insurance for up to 99 years Interest Calculation Smart Provider • Flexibility in determining investment Builder Investor Facilities • Addition, withdrawal, and transfer of funds at any time. Account Max Credit Cards Builder Assurance Insurance company Account Max • PT. Prudential Life Assurance Loans PRUprotector Plan Documents Privilege Banking PRUlife Cover • Life Insurance Application Letter (SPAJ) • Photocopy of KTP Wealth Banking • Illustration Fees Investment & Bancassurance Rupiah Policy Administration Fee • Rp. 5,000 per month Treasury Products Dollar Policy Administration Fee • USD 0,5 per month Operational Acquisition Fee Network 1 2 Next >> 10.2. Builder Investor Account 2 HOME Savings Account Mutual Funds Builder Investor Account (BIA) Current Account Builder Investor Account Fees Insurance fee • Paid by deducting units every month Term Deposits Builder Assurance Account General Terms & Switching Fee (sixth, and so on) • Rp. 100,000 or USD 25 Interest Calculation Smart Provider Investment Management Fee • It depends on the investment composition. These fees are Facilities Builder Investor reflected directly in the NAB of the PRUlink Investment Fund. Account Max Builder Assurance • In accordance with the Circular Letter of the Director General Credit Cards Description Account Max of Taxes Number SE-56/PJ/2015, the withdrawal/redemption Loans PRUprotector of the policy before 3 (three) years is no longer subject to final Plan PPH. Pru is effective in carrying out this provision as of Privilege Banking PRUlife Cover October 1, 2015. Risks Wealth Banking • Risks of Operational • Risks of Reputation Investment & • Risks of Market • Legal Risks Bancassurance • Risks of Compliance • Strategic Risks Treasury Products Operational Network << Prev 1 2 10.3. Builder Assurance Account 1 HOME Savings Account Mutual Funds Builder Assurance Account (BAA) Current Account Builder Investor Account Life insurance product linked to long-term investment. Term Deposits Builder Assurance Benefits Account General Terms & • It comes with life insurance for up to 99 years Smart Provider Interest Calculation • Flexibility in determining investment Facilities Builder Investor • Addition, withdrawal, and transfer of funds at any time. Account Max • Equipped with a variety of riders options (additional coverage) to expand insurance Benefits. Credit Cards Builder Assurance Account Max PRUprotector Loans Insurance Company Plan • PT. Prudential Life Assurance Privilege Banking PRUlife Cover General Requirements Wealth Banking • There are two choices of currency Rp/USD Investment & • Insured Person’s entry age is 1-70 years (next year's birthday) Bancassurance • Policyholder’s entry age is 21-70 years (next year birthday) Treasury Products • Periodic premium payments (monthly/3 months/6 months/annually) • Total Minimum Premium: Rp. 4.8 million/USD 1,000 per year. Operational Network 1 2 3 4 Next >> 10.3. Builder Assurance Account 2 HOME Savings Account Mutual Funds Builder Assurance Account (BAA) Current Account Builder Investor Account Documents Term Deposits Builder Assurance • Life Insurance Application Letter (SPAJ) Account • Illustration General Terms & • Photocopy of KTP. Interest Calculation Smart Provider Facilities Builder Investor Fees Account Max Rupiah Policy Administration Fee • Rp. 27,500 per month Credit Cards Builder Assurance Account Max Dollar Policy Administration Fee • USD 5 per month PRUprotector Loans Plan Switching Fee (sixth, and so on) • Rp. 100,000 or USD 15 Privilege Banking PRUlife Cover Premium Increase Process Fee • Rp. 50,000 per transaction Wealth Banking Premium Reduction Process Fee • Rp. 50,000 per transaction Investment & Bancassurance Increase or Decrease in Sum • Rp. 50,000 per transaction Insured (UP) Process fee Treasury Products Operational Network << Prev 1 2 3 4 Next >> 10.3. Builder Assurance Account 3 HOME Savings Account Mutual Funds Builder Assurance Account (BAA) Current Account Builder Investor Account Fees Term Deposits Builder Assurance Rider Addition/Cancellation Fee • Rp. 50,000 per transaction Account General Terms & Interest Calculation Smart Provider Acquisition Fee • Charged until the end of the 5th year Facilities Builder Investor Account Max Insurance fee • Paid by deducting units every month Credit Cards Builder Assurance Account Max Top Up Fee • 5% of the total Periodic Premium Top Up (PRUsaver) or Single PRUprotector Premium Top Up Loans Plan Investment Management Fee • It depends on the investment composition. These costs are Privilege Banking PRUlife Cover reflected directly in the NAV of the PRUlink Investment Fund. Wealth Banking Description • In accordance with the Circular Letter of the Director General Investment & of Taxes Number SE-56/PJ/2015, the withdrawal/redemption Bancassurance of the policy before 3 (three) years is no longer subject to final PPH. Pru is effective in carrying out this provision as of Treasury Products October 1, 2015. Operational Network << Prev 1 2 3 4 Next >> 10.3. Builder Assurance Account 4 HOME Savings Account Mutual Funds Builder Assurance Account (BAA) Current Account Builder Investor Account Risks Term Deposits Builder Assurance • Risks of Operational • Risks of Reputation Account • Risks of Market • Legal Risks General Terms & • Risks of Compliance • Strategic Risks Interest Calculation Smart Provider Facilities Builder Investor Account Max Credit Cards Builder Assurance Account Max PRUprotector Loans Plan Privilege Banking PRUlife Cover Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 10.4. Smart Provider 1 HOME Savings Account Mutual Funds Smart Provider Builder Investor Current Account Life insurance product for life (whole life) with the coverage period until the Insured Account Person is 99 years old and single/lump sum payment. Term Deposits Builder Assurance Account Death Benefit General Terms & Interest Calculation Smart Provider • If the Insured Person dies, 100% of the Sum Insured will be paid at once, plus Additional Sum Insured (if any), and the Policy will be terminated Facilities Builder Investor Account Max Maturity Benefit Credit Cards Builder Assurance Account Max • After the policy matures at the end of the insurance coverage, 100% of the sum insured will be paid at once, plus the additional sum insured (if any), and the policy will be terminated Loans PRUprotector Plan Insurance Company Privilege Banking PRUlife Cover • PT. Prudential Life Assurance Wealth Banking General Requirements Investment & • Policyholders are open to customers of PT Bank UOB Indonesia Bancassurance who are 21 years old (or 18 years old if married) up to. 70 years old Treasury Products (actual birthday) • The Insured Person's entry age is 21 years (or 18 years if married) Operational up to 65 years old (next year's birthday) Network 1 2 Next >> 10.4. Smart Provider 2 HOME Savings Account Mutual Funds Smart Provider Current Account Builder Investor Account General Requirements Term Deposits Builder Assurance • The coverage period is until the Insured Person is 99 years old Account • Single Premium General Terms & • Minimum Sum Insured is Rp. 500,000,000 Interest Calculation Smart Provider • Only available policies in Rupiah currency Facilities Builder Investor Account Max Documents Credit Cards Builder Assurance • Life Insurance Application Letter (SPAJ) Account Max • Illustration PRUprotector Loans • Photocopy of KTP. Plan Risks Privilege Banking PRUlife Cover • Risks of Operational • Legal Risks Wealth Banking • Risks of Compliance • Strategic Risks Investment & • Risks of Reputation Bancassurance Treasury Products Operational Network << Prev 1 2 10.5. Builder Investor Account Max 1 HOME Savings Account Mutual Funds Builder Investor Account Max (BIA Max) Current Account Builder Investor Life insurance product related to investment (unit link) with premium payment at the Account beginning, which provides life insurance protection as well as the potential for Term Deposits Builder Assurance investment returns according to the customer's risk profile. Account General Terms & Interest Calculation Smart Provider Facilities Builder Investor Account Max Credit Cards Builder Assurance Benefits Account Max • It comes with Death Benefit due to illness for up to 99 years, Death Benefit due to accident for up to Loans PRUprotector 70 years, and critical condition benefits for up to 85 years Plan • Investment allocation in the first year onwards is 100% Privilege Banking PRUlife Cover • Flexibility in determining investment • Addition, withdrawal, and transfer of funds at any time Wealth Banking Investment & Insurance Company Bancassurance • PT. Prudential Life Assurance Treasury Products Operational Network 1 2 3 Next >> 10.5. Builder Investor Account Max 2 HOME Savings Account Mutual Funds Builder Investor Account Max (BIA Max) Builder Investor Current Account General Requirements Account Term Deposits Builder Assurance • Available in Rp currency Account • Insured Person entry age of 1-70 years old (next year's birthday) General Terms & • Policyholder entry age of 21-70 years old (actual birthday) Interest Calculation Smart Provider • Single Premium Facilities Builder Investor • Minimum initial investment of Rp. 40 million, which consists of a Single Premium Account Max • Rp. 12 million + Top Up of Rp. 28 million (required) Credit Cards Builder Assurance Account Max Documents Loans PRUprotector Plan • Life Insurance Application Letter (SPAJ) • Illustration Privilege Banking PRUlife Cover • Photocopy of KTP Wealth Banking Fees Investment & Administration Fee • Rp 10,000 per month Bancassurance Insurance Fee • Paid by deducting units every month Treasury Products Operational Network << Prev 1 2 3 Next >> 10.5. Builder Investor Account Max 3 HOME Savings Account Mutual Funds Builder Investor Account Max (BIA Max) Current Account Builder Investor Fees Account Switching Fee (sixth, and so on • Rp. 100,000 Term Deposits Builder Assurance Account in 1 policy year) General Terms & Interest Calculation Smart Provider Investment Management Fee • It depends on the investment composition. This fee is directly reflected in the NAV of the PRUlink Investment Fund. Facilities Builder Investor Account Max Partial Fund • 1st Year : 5% • 4th Year : 2% Credit Cards Builder Assurance Account Max Withdrawal/Policy • 2nd Year : 4% • 5th Year and so on : 0% Redemption Fee • 3rd Year : 3% Loans PRUprotector Plan Description • In accordance with the Circular Letter of the Director General of Privilege Banking PRUlife Cover Taxes Number SE-56/PJ/2015, the withdrawal/redemption of the policy before 3 (three) years is no longer subject to final PPH. Pru Wealth Banking is effective in carrying out this provision as of October 1, 2015. Investment & Risks Bancassurance • Risks of Operational • Risks of Reputation Treasury Products • Risks of Market • Legal Risks Operational • Risks of Compliance • Strategic Risks Network << Prev 1 2 3 10.6. Builder Assurance Account Max 1 HOME Savings Account Mutual Funds Builder Assurance Account Max (BAA Max) Current Account Builder Investor Account Unit Link hybrid life insurance product with regular premium payments. Term Deposits Builder Assurance Benefits Account General Terms & • It comes with life insurance for up to 99 years Interest Calculation Smart Provider • Flexibility in determining investment • Addition, withdrawal, and transfer of funds at any time Facilities Builder Investor Account Max • It comes with a variety of riders options (additional coverage) to expand insurance Benefits Credit Cards Builder Assurance • The investment value has been formed since the first year of the policy Account Max • There is a loyalty bonus starting from the 6th year and so on Loans PRUprotector Plan Insurance Company Privilege Banking PRUlife Cover • PT. Prudential Life Assurance Wealth Banking General Requirements • There are two choices of currency Rp / USD Investment & Bancassurance • Insured Person entry age of 1-60 years old (next year's birthday) for SIO Underwriting • Insured Person entry age of 1-70 years old (next year birthday) for Full Underwriting Treasury Products • Policyholder entry age of 21-70 years old (next year birthday) Operational Network 1 2 3 4 Next >> 10.6. Builder Assurance Account Max 2 HOME Savings Account Mutual Funds Builder Assurance Account Max (BAA Max) Current Account Builder Investor Account General Requirements Term Deposits Builder Assurance • Periodic premium payments (monthly / quarterly/ semi-annually / annually) Account • Minimum Premium: Rp. 25 million / USD 6,250 per year General Terms & Smart Provider Interest Calculation Documents Builder Investor Facilities • Life Insurance Application Letter (SPAJ) Account Max • Illustration Credit Cards Builder Assurance Account Max • Photocopy of KTP Loans PRUprotector Fees Plan Rupiah Policy Administration Fee • Rp 33,500 per month for monthly premium payments / Privilege Banking PRUlife Cover • Rp 27,500 per month for non-monthly premium payments Wealth Banking Dollar Policy Administration Fee • USD 6 per month for monthly premium payments / Investment & • USD 5 per month for non-monthly premium payments Bancassurance Policy Management Fee • 0.417% per month up to the 5th year Treasury Products Partial Fund Withdrawal Fee • Charged until the 5th year Operational Network << Prev 1 2 3 4 Next >> 10.6. Builder Assurance Account Max 3 HOME Savings Account Mutual Funds Builder Assurance Account Max (BAA Max) Current Account Builder Investor Account Fees Term Deposits Builder Assurance Policy Redemption Fee • Charged up to the 5th year Account General Terms & Switching Fee (sixth, and so on • Rp. 100,000 or USD 15 in Interest Calculation Smart Provider 1 policy year) Facilities Builder Investor Account Max Rider Addition / Cancellation Fee • Rp. 50,000 per transaction Credit Cards Builder Assurance Account Max Loans PRUprotector Acquisition Fee • Charged only in the first year Plan Privilege Banking PRUlife Cover Insurance Fee • Paid by deducting units every month Wealth Banking Top Up Fee • 5% of the total Premium Top Up (PRUsaver) or Single Premium Top Up Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 Next >> 10.6. Builder Assurance Account Max 4 HOME Savings Account Mutual Funds Builder Assurance Account Max (BAA Max) Current Account Builder Investor Account Fees Term Deposits Builder Assurance Investment Management Fee • It depends on the investment composition. The fee is directly Account reflected in the NAV of the PRUlink Investment Fund. General Terms & Interest Calculation Smart Provider Description • In accordance with the Circular Letter of the Director General Facilities Builder Investor of Taxes Number SE-56 / PJ / 2015, the withdrawal / Account Max redemption of the policy before 3 (three) years is no longer Credit Cards Builder Assurance Account Max subject to final PPH. Pru is effective in carrying out this provision as of October 1, 2015. Loans PRUprotector Plan Risks • Risks of Operational • Risks of Reputation Privilege Banking PRUlife Cover • Risks of Market • Legal Risks Wealth Banking • Risks of Compliance • Strategic Risks Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 10.7. PRUprotector Plan 1 HOME Savings Account Mutual Funds PRUprotector Plan Builder Investor Current Account Combination of 20 year term insurance with the accumulation of Deposit Fund Account Premium (PDS). Term Deposits Builder Assurance Account Benefits General Terms & Interest Calculation Smart Provider • Bonus at the end of the 10th year, when the Insured Person is still alive, at the end of the 10th (tenth) year, two times 70% of the first year premium will be Facilities Builder Investor Account Max returned as a guaranteed benefit. Credit Cards Builder Assurance • Death Benefit, if the Insured Person dies due to natural causes during the coverage period, the sum Account Max insured (UP) plus the accumulated PDF (if any) will be paid. PRUprotector Loans • Death due to Accident, If the Insured Person dies due to an accident between the ages of 6 and 60 Plan years (next year’s birthday) during the coverage period, then the additional insurance benefit of 2x (two Privilege Banking PRUlife Cover times) the Sum Insured will be paid. Thus, the total Death Benefit is 3x (three times) of the Basic Sum Insured. Wealth Banking • Death due to certain accidents **, Additional insurance benefits of 1x (one time) Sum Insured for the Investment & death of the Insured Person due to a certain accident. Thus, the total Benefits of the death due to a Bancassurance certain accident is 4x (four times) of the Basic Sum Insured. Treasury Products Operational Network 1 2 3 4 Next >> 10.7. PRUprotector Plan 2 HOME Savings Account Mutual Funds PRUprotector Plan Current Account Builder Investor Account Total and Permanent Disability Benefit Term Deposits Builder Assurance • If the Insured Person suffers a Total and Permanent Disability between the ages of 6-60 years (next Account year's birthday) within the period of 20 years, the Sum Insured will be paid in two stages, 20% in the General Terms & Interest Calculation Smart Provider first year plus the accumulation of PDF and 80% in the second year. • The amount of Sum Insured that has not been paid will be paid upon death. Facilities Builder Investor Account Max • The period of delay is 26 weeks. Note: The maximum Total and Permanent Disability Benefit paid for one person is Rp. 2,000,000,000 / Credit Cards Builder Assurance Account Max USD 250,000 for adults and Rp. 1,200,000,000 / USD 150,000 for children. PRUprotector Loans Interest-Free Loan Benefit Plan • Withdrawals can be made only once in 6 months. If it is made more than once, it will be treated as if it Privilege Banking PRUlife Cover is a normal withdrawal. • If the Insured Person is hospitalized for more than 24 hours, the Insured Person can withdraw part or Wealth Banking all of the accumulated PDF free of charge. Investment & • The maximum amount of PDFs that can be retrieved is less than: Accumulated Deposit Fund Premium Bancassurance / Rp. 25 million or USD 5,000 / Hospital care fees. • The amount that has been withdrawn will continue to be accumulated by Prudential and Prudential is Treasury Products entitled to receive a return on investment for 6 months. Operational Network << Prev 1 2 3 4 Next >> 10.7. PRUprotector Plan 3 HOME Savings Account Mutual Funds PRUprotector Plan Current Account Builder Investor Account Maturity Benefit Term Deposits Builder Assurance • If the Insured Person is still alive at the end of the 20th year, a PDF accumulation will be paid, if any. Account General Terms & Insurance Company Interest Calculation Smart Provider • PT. Prudential Life Assurance Facilities Builder Investor Account Max General Requirements Credit Cards Builder Assurance • Policyholders are open to PT Bank UOB Indonesia customers aged 21 years old up to 70 years Account Max oled (next year’s birthday) PRUprotector Loans • Insured Person's entry age is 1 years old up to 60 years old (age of the next year's birthday) Plan • Premium payment term of 10 years with a coverage period of 20 years Privilege Banking PRUlife Cover • Minimum Premium is 4 units, 1 unit is Rp. 100,000 (for rupiah policies) and 4 units, 1 unit is $ 25 (for USD policies). Wealth Banking Documents Investment & Bancassurance • Life Insurance Application Letter (SPAJ) • Illustration Treasury Products • Photocopy of KTP. Operational Network << Prev 1 2 3 4 Next >> 10.7. PRUprotector Plan 4 HOME Savings Account Mutual Funds PRUprotector Plan Current Account Builder Investor Account Partial Withdrawal Fee Term Deposits Builder Assurance • Starting from 2.5% in the first year, up to 0.5% in the sixth year Account General Terms & Certain Accidents are accidents suffered by the Insured Person when: Interest Calculation Smart Provider • The Insured Person uses public transportation along land public routes, or Facilities Builder Investor • The Insured Person uses an air flight as an authorized passenger or flight crew of a licensed Account Max commercial civil airline operating on a routine flight route, or Credit Cards Builder Assurance • The Insured Person uses an elevator except mining or construction site elevators, or Account Max • The Insured Person is in a theater, hotel or other public building that is on fire. PRUprotector Loans Plan ** The insurance benefits above will only be paid if the Insured Person dies within 90 (ninety) Privilege Banking PRUlife Cover days from the date of the Accident and at the time of death the Insured Person is 17 years old Wealth Banking but not yet 70 years old. Investment & Bancassurance Risks Treasury Products • Risks of Operational • Risks of Reputation • Strategic Risks • Risks of Compliance • Legal Risks Operational Network << Prev 1 2 3 4 10.8. PRUlife Cover 1 HOME Savings Account Mutual Funds PRUlife Cover Builder Investor Current Account Account A term life insurance program with regular premium payments that provides benefits for death and total and permanent disability. Builder Assurance Term Deposits Account General Terms & Death Benefit Smart Provider Interest Calculation • If the Insured Person dies, 100% of the Sum Insured is paid at once and the policy Facilities Builder Investor will terminate. Account Max Builder Assurance Credit Cards Account Max Total and Permanent Disability Benefit PRUprotector • The sum insured will be paid 20% in the first time and 80% in the second year. Loans Plan • The first payment will be paid on the 180th day after a diagnosis of Total and Permanent Disability and the second payment will paid one year after the first payment is made. Privilege Banking PRUlife Cover • The coverage ends after 100% of the sum insured is paid in full. Wealth Banking Insurance Company Investment & Bancassurance • PT. Prudential Life Assurance Treasury Products Operational Network 1 2 3 4 Next >> 10.8. PRUlife Cover 2 HOME Savings Account Mutual Funds PRUlife Cover Builder Investor Current Account Total and permanent disabilities are as follows Account Builder Assurance • The insured person who is permanently disabled at the age of 6 years and before 16 years is completely Term Deposits Account unable to walk without the assistance of other person or wheelchair and must stay at home and has General Terms & confirmed that the home, hospital or other institution requires constant care and medical attention at Smart Provider Interest Calculation least 180 consecutive days except for psychiatric conditions, mental disorders, neuroses, Facilities Builder Investor psychometrics, psychosis; or Account Max • The insured person at the age of 16 years and before 60 years who suffers from a total and permanent Builder Assurance Credit Cards disability which results in not being able to do work, business or activities that generate income for at Account Max least 180 consecutive days except for psychiatric conditions, mental disorders, neurosis, psychomatic, PRUprotector Loans Plan psychosis; or • The Insured Person who suffers total and permanent disability and loses the function of: Privilege Banking PRUlife Cover o Both eyes. Wealth Banking o Both arms or both legs or one arm and one leg that occur on or above the wrist or ankle. o One eye and one arm that occur on or above the wrist. Investment & o One eye and one leg that occur at or above the ankle. Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 Next >> 10.8. PRUlife Cover 3 HOME Savings Account Mutual Funds PRUlife Cover Builder Investor Current Account General Requirements Account Builder Assurance • Policyholders are open to PT Bank UOB Indonesia customers aged 21 yearsold up to 70 years old Term Deposits Account (next year’s birthday) General Terms & • Insured Person’s Entry Age: Smart Provider Interest Calculation o 6 months - 60 years old (for the coverage period up to. 70 years old) Facilities Builder Investor o 6 months - 65 years old (for coverage period up to. 75 years old) Account Max o 6 months - 70 years old (for coverage period up to. 80, 85 or 99 years old) Builder Assurance Credit Cards • The insurance period is up to the insured person's age of 70, 75, 80, 85 or 99 years old Account Max • Premium payment terms of 5, 10, 15 or 20 years PRUprotector Loans Plan • Premium payment on a monthly / quarterly / semi-annually / annually, a minimum of Rp. 4,800,000 per year • Minimum sum insured of Rp. 20,000,000 Privilege Banking PRUlife Cover • Only available policies in Rupiah currency. Wealth Banking Documents Investment & • Life Insurance Application Letter (SPAJ) Bancassurance • Ilustrasi Treasury Products • Fotokopi KTP. Operational Network << Prev 1 2 3 4 Next >> 10.8. PRUlife Cover 4 HOME Savings Account Mutual Funds PRUlife Cover Builder Investor Current Account Account Risks Builder Assurance Term Deposits • Risks of Operational • Legal Risks Account • Risks of Compliance • Strategic Risks General Terms & Smart Provider • Risks of Reputation Interest Calculation Facilities Builder Investor Account Max Builder Assurance Credit Cards Account Max PRUprotector Loans Plan Privilege Banking PRUlife Cover Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 11.1. Transaksi Valuta Asing atau Foreign Exchange 1 HOME Savings Account Forex Transactions Foreign Exchange (Forex) Transactions Current Account Derivative Transactions The trading of one currency for another where the date of delivery of the currency is carried out on a certain agreed date. Term Deposits Structured Products Types of Transaction General Terms & Government Bonds Interest Calculation Transactions • Today (Tod) transaction, a trading of one currency for another, where the delivery of the currency is made on the same day as the transaction date. Facilities Retail Corporate Bonds Transactions • Tomorrow (Tom) transaction, a trading of one currency for another, where the transfer of the currency is made 1 (one) working day after the transaction. Credit Cards • Spot Transaction, a trading of one currency for another, where the transfer of the currency is made 2 (two) working days after the transaction. Loans Related Facilities Privilege Banking • Up to Spot Limited FX Facility, a mechanism / convenience provided to selected Customers to carry out Tod, Tom and Spot Transactions with the Bank up to a certain amount without having to sign an FX facility Wealth Banking document with the Bank. • Ad-hoc FX Forward up to 3 Months Limit, a mechanism or convenience provided to selected Customers to Investment & carry out Forward Transactions up to a tenor of 3 (three) months with the Bank which is only valid per Bancassurance transaction. Treasury • Leave Order Transaction, a Foreign Exchange (FX) transaction between the Bank and the Customer where Products the Customer places the Order at the FX price level determined on a working day between 08:00 - 18:00 WIB. Operational Network 1 2 3 4 Next >> 11.1. Transaksi Valuta Asing atau Foreign Exchange 2 HOME Savings Account Forex Transactions Foreign Exchange (Forex) Transactions Derivative Current Account • Ad-hoc FX Forward up to 3 Months Limit, a mechanism or convenience provided to selected Customers to Transactions carry out Forward Transactions up to a tenor of 3 (three) months with the Bank which is only valid per Term Deposits Structured transaction. Products • Leave Order Transaction, a Foreign Exchange (FX) transaction conducted between the Bank and the General Terms & Government Bonds Customer where the Customer places the Order at the FX price level determined on a working day between Interest Calculation Transactions 08:00 - 18:00 WIB. Facilities Retail Corporate Bonds Transactions • FX Intermediary Account Facility, a facility provided to selected business entities / companies that do not have CIF with the Bank or business entity / corporate customers (Indonesian or foreigners) who have CIF but do Credit Cards not have a Relation Account at the Bank, to be able to perform FX Tod, Tom and Spot Transactions with the Bank. Loans General Requirements Treasury Products Individual Company Privilege Banking Today, Tom, and Spot Transactions Wealth Banking Limited FX Facility Up to Spot (selected Customers) Investment & Adhoc FX Forward Facility up to 3 months limit (selected Customers) Bancassurance Leave Order Service Transaction (selected Customers) Treasury Products FX Intermediary Account Facility (selected Customers) Operational Network << Prev 1 2 3 4 Next >> 11.1. Transaksi Valuta Asing atau Foreign Exchange 3 HOME Savings Account Forex Transactions Foreign Exchange (Forex) Transactions Current Account Derivative Transactions • For Leave Order Transaction: Term Deposits Structured • Customers are selected according to the recommendation from the Business Unit Products • It is intended for customers who already have a Limited FX Facility Up to Spot or a FX Forward Facility in General Terms & Government Bonds good funds Interest Calculation Transactions • It only applies to FX transactions with Tod, Tom and Spot currencies. Facilities Retail Corporate • The minimum amount per transaction is USD 10,000 or equivalent to the maximum transaction amount in Bonds Transactions accordance with the limit of the Facility owned by each Customer Credit Cards • Especially for PFS Customers, the Customer is required to sign the Terms and Conditions of Leave Order Service before using the Leave Order Service. Signing is only done 1 (one) time when the Customer makes the first transaction Loans • Especially for PFS and BSB Customers, each transaction will be subject to a minimum spread of 10 basis points from the Agreement Rate. Marketing department will inform the spread of information to the Privilege Banking Customer at the beginning of the offering of the facility. • Customers only need to fill out the Transfer Slip for transaction settlement needs. Wealth Banking • For FX Intermediary Account Facility : Investment & • Customers are selected according to the recommendation from the Business Unit Bancassurance • It only applies to FX transactions with Tod, Tom and Spot currencies Treasury • Customer fills in the Customer Walk-In Form and attaches the required documents, among others : Products Operational Network << Prev 1 2 3 4 Next >> 11.1. Transaksi Valuta Asing atau Foreign Exchange 5 HOME Savings Account Forex Transactions Foreign Exchange (Forex) Transactions • Indonesian Deed of Incorporation and / or Articles of Association of the Company. Current Account Derivative Transactions Citizens : Taxpayer Identification Number (TIN). Trading Business License (SIUP). Structured Term Deposits Composition of the Customer's Board of Directors. Products Specimen of signature of a member of the Board of Directors authorized to General Terms & Government Bonds represent the company Interest Calculation Transactions Place of Business License (SITU), Facilities Retail Corporate Financial statements or descriptions of the company's business activities Bonds Transactions Company management structure, Company ownership structure, Credit Cards Identity documents of members of the Board of Directors. • Foreign Photocopy of and identity card (KTP / Passport / KIMS / KITAS) of the Board of Directors. Loans Citizens : Memorandum & Articles of Association. Certificate of Incorporation. Privilege Banking List of the most recent composition of Directors, Board of Commissioners and Shareholders. Specimen of signature of a member of the Board of Directors authorized to represent the Wealth Banking company. • There is no fee charged to the Customer for all of the above FX Facilities unless the Customer cancels a Investment & transaction that could potentially incur a fee. Bancassurance • It is available for new customers and existing customers. Treasury • Please contact Global Market Sales for more detailed information. Products Risks Operational • Customers have the potential to suffer losses due to fluctuations in foreign currency Network << Prev 1 2 3 4 11.2. Transaksi Derivatif 1 HOME Savings Account Forex Transactions Derivative Transactions Current Account Derivative Transactions A transaction that is based on a contract or payment agreement the value of which is a derivative of the value of the underlying instrument such as interest rates, exchange rates, Term Deposits Structured commodities, equities and indexes, whether followed by movement of funds or Products instruments or not. General Terms & Government Bonds Interest Calculation Transactions Benefits Facilities Retail Corporate Customers can use this financial instrument as a hedging tool for currency needs or Bonds Transactions changes in interest rates at a later date. Credit Cards Related Facilities Loans • FX Forward, a trading of one currency for another, where the transfer of the currency is carried out more than 2 (two) working days after the transaction. • FX Swap, 2 (two) transactions, namely a trading of one currency for another which is carried out Privilege Banking simultaneously for two periods that differ from the two rates determined at the time of the transaction. • Interest Rate Swap (IRS), an exchange of cash flows between 2 (two) parties periodically during the IRS Wealth Banking period of a number of principal interest rates where one party will pay cash flows with a fixed interest rate and the other party will pay cash flow with floating interest rate. Investment & • Cross Currency Swap (CCS), an exchange of cash flows between 2 (two) parties periodically during a Bancassurance specified period in the future in two different currencies involving principal and interest. Treasury Products Operational Network 1 2 3 Next >> 11.2. Transaksi Derivatif 2 HOME Savings Account Forex Transactions Derivative Transactions Derivative Current Account • Plain Vanilla FX Options, a contract for a specified period of time that provides the buyer (or holder) of an Transactions Option the right (not obligation) to call or put a number of underlying instruments at a price (Strike Price). The Term Deposits Structured buyer has the right to exercise the rights during the Option term at the agreed price and the seller (or writer) Products is obliged to fulfill his obligations.. General Terms & Government Bonds Interest Calculation Transactions General Requirements Facilities Retail Corporate Bonds Transactions Treasury Products Type of Account Credit Cards Individual Company Derivative Transactions (FX Swap & FX Forward) Loans Derivative Transactions (IRS) Privilege Banking Transaksi Derivative (CCS) Plain Vanilla FX Options Transactions Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 Next >> 11.2. Transaksi Derivatif 3 HOME Savings Account Forex Transactions Derivative Transactions Current Account Derivative Transactions BiayaFees & & procedures Tata cara Pemanfaatan for using serviceslayanan • The Customer is required to apply for a derivative facility to the Bank and sign the documents required in the Term Deposits Structured Products derivative facility, namely : • IRS / CCS Facility Request Letter General Terms & Government Bonds • The agreement can be in the form of: Foreign Exchange Transaction Facility Agreement or International Interest Calculation Transactions Swaps & Derivative Association (ISDA) Agreement and Attachment and Risk Notification Facilities Retail Corporate • Power of Attorney for Treasury Transactions Bonds Transactions • Pledge Agreement • Power of Attorney for Account Block / Debit Credit Cards • It is available for new customers and existing customers. • Please contact Global Market Sales for more detailed information. Loans • Fees: • FX Swap and FX Forward: no fees will be charged to the Customer unless the Customer cancels a Privilege Banking transaction that could potentially result in a fine / fee in the form of a foreign exchange difference Wealth Banking • IRS and CCS: there are no fees to be charged to the Customer unless the Customer makes an early termination of the transaction which could potentially result in unwind cost Investment & • Plain Vanilla FX Options: no fees are charged to the Customer other than the FX Option premium Bancassurance Treasury Risks Products Customers have the potential to suffer losses from fluctuations in foreign currencies and changes in Operational interest rates Network << Prev 1 2 3 11.3. Produk Terstruktur 1 HOME Savings Account Forex Transactions Structured Product Derivative Current Account A combination of 2 (two) or more financial instruments in the form of non-derivative Transactions financial instruments with derivatives or derivatives with derivatives, where the value or Term Deposits Structured cash flow arising from the product is linked to one or a combination of basic variables such Product as interest rate, exchange rate, commodity and / or equity.. General Terms & Government Bonds Interest Calculation Transactions Facilities Retail Corporate Bonds Transactions Benefits Credit Cards • For UOB MaxiYield • Higher yields compared to ordinary deposits Loans • Portfolio diversification • It can meet the needs of alternative currencies at a predetermined price Privilege Banking • For Premium Forward Deposit • Higher yields compared to ordinary deposits Wealth Banking • Fully protected (principal protected) Investment & • For Call Spread Option (CSO) Bancassurance • It is an alternative hedge for Customer's foreign currency exposure. • The hedging costs for CSO Transactions is lower than FX Forward Transactions or Plain-Vanilla FX- Treasury Options, but the range of exchange rates to be hedged is also limited. Products Operational Network 1 2 3 4 5 6 7 Next >> 11.3. Produk Terstruktur 2 HOME Savings Account Forex Transactions Structured Product Current Account Derivative Transactions Related Facilities • UOB MaxiYield (Non-Principal Protected Structured Product), a Structured Product in the form of placement Structured Term Deposits of investment funds from the Customer in a Bank in which there is a Plain-Vanilla FX Options Transaction on Product the Base Currency against the Alternative Currency of the Currency Pair selected by the Customer and General Terms & Government Bonds agreed with the Bank. Therefore, the refund of the principal and interest upon maturity can be made by the Interest Calculation Transactions Bank in the Base Currency or Alternative Currency. Facilities Retail Corporate • Premium Forward Deposit (Principal Protected Structured Product), a Structured Product in the form of Bonds Transactions placement of funds by the Customer in the form of a Deposit combined with a foreign exchange swap / forward instrument. Credit Cards • Call Spread Option (CSO) is a structured product which is a combination of two Plain Vanilla Option transactions, namely buying Call Options and selling Call Options which are carried out simultaneously in a Loans transaction contract with different Strike Prices and the same nominal. Privilege Banking Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 7 Next >> 11.3. Produk Terstruktur 3 HOME Savings Account Forex Transactions Structured Product Current Account Derivative General Requirements Transactions UOB Maxi Yield Premium Forward Call Spread Option Term Deposits Structured Deposit Product Type of Account Individual and Non- Individual and Non Non-Individual General Terms & Government Bonds Individual (Indonesian Individual Interest Calculation Transactions Citizens) Facilities Retail Corporate Minimum USD 15,000 or USD 30,000 (Individual) In accordance with Bonds Transactions Placement equivalent USD 50,000 (Non-Individual) the Underlying Credit Cards Documents Tenor up to 6 months up to 12 months In accordance with the Underlying Loans Documents Currency All currency pairs All currency pairs available All currency pairs Privilege Banking available at the at the Bank except Rp available at the Bank Bank except Rp Wealth Banking Investment & Guarantee Not guaranteed by the Not guaranteed by the Not guaranteed by the Bancassurance Status Deposit Insurance Deposit Insurance Deposit Insurance Corporation (LPS) Corporation (LPS) Corporation (LPS) Treasury Products Disbursement Not recommended Not recommended Allowed* before maturity Operational Network << Prev 1 2 3 4 5 6 7 Next >> 11.3. Produk Terstruktur 4 HOME Savings Account Forex Transactions Structured Product Current Account Derivative Transactions Fees & procedures for using services Term Deposits Structured • The bank is obliged to assess the Customer's Risks profile before making transactions for these three Product products. • For UOB MaxiYield & Premium Forward Deposits : General Terms & Government Bonds Interest Calculation Transactions • No Administration Fee is charged for placement of these two products. • Customers must meet in person at least once with the Bank sales officer at the beginning of the product Facilities Retail Corporate offering Bonds Transactions • Especially for UOB MaxiYield, there is a cooling off period to study offers and documents (3 days for Credit Cards individual customers and 2 days for corporate customers). • Customer is obliged to sign the documents required by the Bank : Loans • Documents for UOB MaxiYield: • Productive Forex Account (Vapro) opening form * - signed once • Account Opening Form Deposit to be used as UOB MaxiYield Account * - signed once Privilege Banking • Application Letter for UOB MaxiYield Transaction - signed on each placement • UOB Maxiyield Term Sheet - signed on each placement Wealth Banking • UOB MaxiYield Placement Form - signed on each placement • UOB MaxiYield Placement Agreement - signed once Investment & • Customer Risks Profile Questionnaire - signed once and updated at least once a year Bancassurance • Statement Letter Regarding Asset Portfolio - valid for 3 months from the transaction date Treasury Products Operational Network << Prev 1 2 3 4 5 6 7 Next >> 11.3. Produk Terstruktur 5 HOME Savings Account Forex Transactions Structured Product Current Account Derivative • Documents for Premium Forward Deposit: Transactions • CASA and / or Deposit opening form (for new customers). Term Deposits Structured • Application for PFD Placement (for each placement). Product • Customer Risks Profile Questionnaire (updated once a year). General Terms & Government Bonds • Term Sheet and PFD Placement Form (for each placement). Interest Calculation Transactions • Placement Agreement and Statement of Understanding of PFD's Offer and Disclosure of Risks (once at the beginning). All questions / statements from the Customer along with explanations / Retail Corporate Facilities responses from the Salesperson that arise at the time of offering this product must be written and Bonds Transactions signed on the last page of the agreement. Credit Cards • Fax Indemnity (If the Customer does not have this facility) (once at the beginning). • For Call Spread Option (CSO): • Customer is required to have a CSO Facility and provide a Cash Guarantee in the form of cash with an Loans amount of at least 10% (ten percent) of the notional value of the transaction at the time of the transaction. • Customers must meet in person at least once with the Bank sales officer at the beginning of the product Privilege Banking offering • There is a cooling off period given to customers to study the offering and CSO documents - a minimum of Wealth Banking 2 working days • Customer is obliged to sign the documents required by the Bank : Investment & • Customer Suitability Analysis (CSA). In the form of an internal Bank document, must be updated Bancassurance whenever there is a change in the Risks of the product offered to the Customer. Treasury • Risks Profile Questionnaire. Only once at the beginning and updated once. Products • Product Highlight Sheet. It is provided to the customer at least once at the beginning of the meeting. • Application for CSO Transactions. Valid for every initial transaction. Operational Network << Prev 1 2 3 4 5 6 7 Next >> 11.3. Produk Terstruktur 6 HOME Savings Account Forex Transactions Structured Product Current Account Derivative Transactions • Minutes of Meeting. Just once at the beginning, at a meeting directly with the Customer. • The agreement is in the form of ISDA (International Swaps and Derivatives Association) Master Structured Term Deposits Agreement or PIDI (Indonesian Derivative Master Agreement) along with an Attachment (Schedule) Product or an FX facility agreement (tenor < 6 months). It is enough to sign it once at the beginning, especially General Terms & Government Bonds for the bespoke agreement, it will be renewed according to the tenor of the agreement. Interest Calculation Transactions • Risk Disclosure Notification Letter. It is enough to be signed once at the beginning. • Term Sheet. Valid for every transaction. Facilities Retail Corporate Bonds Transactions • Treasury Dealing Mandate. It is enough to be signed once. • Pledge Agreement and Pledge Notification Letter (if the Cash Collateral is in the form of a pledge Credit Cards account. It is enough to be signed once. • Power of Attorney for Account Blocking or Debit. It is enough to be signed once. • Underlying Transactions. Especially for CSOs related to Forex against the rupiah. Loans • It is available for new customers and existing customers Privilege Banking • Please contact Global Market Sales for more detailed information • Fees Wealth Banking • UOB Maxiyield and Premium Forward Deposit: there are no additional transaction fees for PFD placements Investment & • Call Spread Option: no fees are charged to the customer other than the premium when buying a Call Bancassurance Option. Treasury Products Operational Network << Prev 1 2 3 4 5 6 7 Next >> 11.3. Produk Terstruktur 7 HOME Savings Account Forex Transactions Structured Product Current Account Derivative Transactions Risks Term Deposits Structured • For UOB MaxiYield and Premium Forward Deposit (PFD): Product • Non-principal protected General Terms & Government Bonds • Risks of Features, the customer will be charged a penalty for making withdrawals before the maturity Interest Calculation Transactions date Facilities Retail Corporate • For Call Spread Option (CSO): Bonds Transactions • Risks of Market, it may occur as a result of exchange rate fluctuations that move in a direction that is not Credit Cards profitable for the Customer. • Credit Risk, in the event that a Customer conducts a Foreign Exchange / Derivative Transaction, the Customer is exposed to a credit risk if the Bank does not fulfill its obligations. Loans • Risks that arise if the Customer makes an early termination which causes the Customer to lose the right to exercise the option. Privilege Banking • Risks caused by changes in laws and regulations, including changes in provisions, policies of the Government of the Republic of Indonesia and / or Bank Indonesia and / or the Financial Services Wealth Banking Authority. • These three products are not guaranteed by LPS Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 7 11.4. Transaksi Surat Berharga Negara 1 HOME Savings Account Forex Transactions Government Bonds Transactions Derivative Current Account Sale / purchase transactions of Government Bonds in Rp and USD denominations with Transactions non-bank customers. Term Deposits Structured Products Benefits General Terms & Government Bonds • Customers get regular coupon payments until maturity which is guaranteed by the Interest Calculation Transactions government of the Republic of Indonesia • Customers can use this product as an investment alternative for portfolio Facilities Retail Corporate Bonds Transactions diversification • Customers could potentially get a capital gain on the difference between buying and Credit Cards selling price Loans Transactions in the Primary Market • Sale and purchase of Bonds for the first time. In this case, the Bank is the Selling Agent for Retail Privilege Banking Government Bonds (ORI) and Retail Government Islamic Bonds (Sukri). o Retail Government Bonds (ORI), Government Bonds in Rupiah which are sold in retail to individuals Wealth Banking through a Selling Agent appointed by the Ministry of Finance in the Primary Market to then be traded on the Secondary Market with a minimum nominal value of Rp. 5,000,000 (five million rupiah) or the multiples Investment & thereof. Bancassurance o Retail Government Sharia Bonds (SBSN) or Retail State Islamic Bonds (Sukri), SBSN or Islamic Bonds in Rupiah currency which are sold in retail to individuals through a Selling Agent appointed by the Ministry of Treasury Finance in the Primary Market to then be traded on the Secondary Market with a minimum value nominal Products of Rp. 5,000,000 (five million rupiah) or the mutiples thereof. Operational Network 1 2 3 4 5 6 Next >> 11.4. Transaksi Surat Berharga Negara 2 HOME Savings Account Forex Transactions Government Bonds Transactions Current Account Derivative • General Requirements: Transactions o Indonesian Citizen (WNI) Individuals as evidenced by a valid Identity Card (KTP) Term Deposits Structured o They have Relationship Accounts and Securities Accounts at the Bank Products o Filling out the Order Form General Terms & Government Bonds o Photocopy of valid Identity Card (KTP). Interest Calculation Transactions Facilities Retail Corporate Bonds Transactions Transactions in the Secondary Market • Known as the aftermarket, is the market for trading bonds after the Primary Market. In the Secondary Credit Cards Market, Bonds are traded and transfered from one investor to another. Loans o Purchasing Transactions by Banks, Banks purchase Bonds in USD or Rp denominations from customers (Customers sell). o Sales Transactions by Banks, Banks sell Bonds denominated in USD or Rp to customers (Customers Privilege Banking buy). Wealth Banking • General Requirements Investment & o Minimum transaction amount for ORI / SUKRI: Rp. 5,000,000 (five million rupiah) Bancassurance o Minimum transaction amount for Rupiah denomination: Rp. 100,000,000 (one hundred million rupiah) o Minimum transaction amount for USD denominations: USD 20,000 (twenty thousand USD) and Treasury multiples of USD 1,000 (one thousand USD) Products o They have Relationship Accounts and Securities Accounts at the Bank. Operational Network << Prev 1 2 3 4 5 6 Next >> 11.4. Transaksi Surat Berharga Negara 3 HOME Savings Account Forex Transactions Government Bonds Transactions Current Account Derivative Transactions Fees Individual Customers Term Deposits Structured Products No. Type of Fee Rupiah Denomination USD Denomination General Terms & Government Bonds 1. Securities Account 0.05% per year 0.05% per year Interest Calculation Transactions Maintenance Fee (Safekeeping Calculated based on the nominal Calculated based on the nominal Facilities Retail Corporate fee) value in the current month value in the current month Bonds Transactions 2. Minimum Safekeeping Fee Rp. 15,000 per month USD 15 per month Credit Cards 3. Transaction Settlement Fee Rp. 25,000 per USD 30 per transaction transaction (buy or sell) (buy or sell) Loans 4. Ad Hoc Report (reports Rp. 50,000 USD 5 other than routine Privilege Banking reports) 5. Inactive Account Fee (it Rp. 1,000,000 per month. - Wealth Banking only applies to Securities Individual Customer Bonds Accounts Denominated in Account is categorized as Inactive Investment & Rupiah) account if Customer's Securities Bancassurance Account has a zero balance and Treasury there are no transfers for a period Products of 4 (four) consecutive months. Operational Network << Prev 1 2 3 4 5 6 Next >> 11.4. Transaksi Surat Berharga Negara 4 HOME Savings Account Forex Transactions Government Bonds Transactions Current Account Derivative Transactions The Bank will close the Inactive Account if it has reached a period Term Deposits Structured of 4 (four) consecutive months to Products avoid being charged for Inactive General Terms & Government Bonds Account maintenance fee by the Interest Calculation Transactions Indonesian Central Securities Depository (KSEI) Facilities Retail Corporate Bonds Transactions Credit Cards Non-Individual Customers Loans No. Type of Fee Rupiah Denomination USD Denomination 1. Securities Account 0.05% per year 0.05% per year Privilege Banking Maintenance Fee (Safekeeping Calculated based on the nominal Calculated based on the nominal fee) value in the current month value in the current month Wealth Banking 2. Minimum Safekeeping Fee Rp. 1,000,000 per month USD 100 per month Investment & 3. Transaction Settlement Fee Rp. 50,000 per USD 50 per transaction Bancassurance transaction (buy or sell) (buy or sell) Treasury 4. Ad Hoc Report (reports Rp. 50,000 USD 5 Products other than routine Operational reports) Network << Prev 1 2 3 4 5 6 Next >> 11.4. Transaksi Surat Berharga Negara 5 HOME Savings Account Forex Transactions Government Bonds Transactions Current Account Derivative Transactions No. Type of Fee Rupiah Denomination USD Denomination 5. Inactive Account Fee (only Rp. 1,000,000 per month - Term Deposits Structured Products applies to Securities Accounts An Individual Customer's Denominated in Rupiah) Securities Account is categorized General Terms & Government Bonds Interest Calculation Transactions as Inactive account if the Customer's Securities Account has Facilities Retail Corporate a zero balance and there are no Bonds Transactions transfers for a period of 6 (six) consecutive months. The Bank will Credit Cards close the Inactive Account if it has reached a period of 4 (four) Loans consecutive months to avoid being charged for Inactive Account Privilege Banking maintenance fee by the Indonesian Central Securities Depository (KSEI) Wealth Banking Investment & Bancassurance * The fees above do not include 10% VAT Treasury Products Operational Network << Prev 1 2 3 4 5 6 Next >> 11.4. Transaksi Surat Berharga Negara 6 HOME Savings Account Forex Transactions Government Bonds Transactions Current Account Derivative Transactions Procedures for utilizing services • Requirements Documents Term Deposits Structured Products o Opening Securities Account (if the customer does not have it yet): General Terms & Government Bonds Securities Account Opening Form Interest Calculation Transactions Custodian Customer Data Form and Specimen of Signature Securities Account Opening Agreement Facilities Retail Corporate Power of Attorney for Opening Securities Accounts Bonds Transactions Fax Indemnity Agreement (if required) Credit Cards Indonesian Citizens: Photocopy of KTP and TIN Foreign Citizens: Photocopy of Passport and KIMS / KITAS / KITAP o Customer Risks Profile Questionnaire Loans o Government Securities Purchase / Sale Form – for each transaction • The customer must be in good funds or have a securities pre-settlement limit Privilege Banking • Available for new customers and existing customers • Please contact your Relationship Manager (RM) or Global Market Sales for more detailed information Wealth Banking Risks Investment & • Risks of Market, potential losses may occur if investors sell Securities in the Secondary Market before Bancassurance maturity at a price lower than the purchase price (capital loss). Treasury • Liquidity Risk, it is a potential loss if the owner of Securities suffers difficulties in selling Securities in the Products Secondary Market before the maturity of the Securities. Operational Network << Prev 1 2 3 4 5 6 11.5 Transaksi Obligasi Korporasi Ritel 1 HOME Savings Account Forex Transactions Retail Corporate Bonds Transactions Current Account Derivative Transactions Corporate Bonds are debt instruments issued by companies (banks, non-bank financial institutions, government companies or other private companies) in Rupiah or USD and for Term Deposits Structured a certain period of time. The company issuing the Corporate Bonds makes interest Products payments (coupon payments) according to a specified schedule and returns the principal General Terms & Government Bonds to the customer at maturity. Interest Calculation Transactions Facilities Retail Corporate Bonds Transactions Benefits Credit Cards • The term is according to the maturity of each bond. • Minimum Rp. 100,000,000 in multiples of Rp. 1,000,000 (for Rp Bonds) or USD 100,000 in multiples of Loans USD 1,000 (for USD Bonds)*. * or according to the minimum amount and multiples determined by Global Markets Privilege Banking Product Features • Corporate Bonds that are only traded in the Secondary Market. Wealth Banking • Corporate Bonds issued by corporations domiciled in Indonesia and listed in the Indonesian Stock Exchange and abroad in Rp and USD denominations and do not have the right to be converted (non- Investment & convertible bonds) Bancassurance • It has an investment grade credit rating as follows : o Fitch Ratings: minimum BBBo Treasury o Moody’s: minimum Baa3 Products o Standard and Poor’s: minimum BBBo Operational o PT Pemeringkat Efek Indonesia (Pefindo): minimum BBB- Network 1 2 3 4 5 6 Next >> 11.5 Transaksi Obligasi Korporasi Ritel 2 HOME Savings Account Forex Transactions Retail Corporate Bonds Transactions Current Account Derivative Transactions • Customers have the opportunity to get higher yields than Government bonds • Customers can use this product as an investment alternative for portfolio diversification Term Deposits Structured Products • Customers have the potential to get capital gains General Terms & Government Bonds Fees Interest Calculation Transactions Individual Customers Facilities Retail Corporate Bonds Transactions No. Type of Fee Rupiah Denomination USD Denomination 1. Securities Account 0.05% per year 0.05% per year Credit Cards Maintenance Fee (Safekeeping Calculated based on the nominal Calculated based on the nominal fee) value in the current month value in the current month Loans 2. Minimum Safekeeping Fee Rp. 15,000 per month USD 15 per month Privilege Banking 3. Transaction Settlement Fee Rp. 25,000 per USD 30 per transaction transaction (buy or sell) (buy or sell) Wealth Banking 4. Ad Hoc Report (reports Rp. 50,000 USD 5 other than routine Investment & reports) Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 Next >> 11.5 Transaksi Obligasi Korporasi Ritel 3 HOME Savings Account Forex Transactions Retail Corporate Bonds Transactions Current Account Derivative Transactions No. Type of Fee Rupiah Denomination USD Denomination 5. Inactive Account Fee (only Rp. 1,000,000 per month - Term Deposits Structured Products applies to Securities Accounts An Individual Customer's Denominated in Rupiah) Securities Account is categorized General Terms & Government Bonds Interest Calculation Transactions as Inactive account if the Customer's Securities Account has Facilities Retail Corporate a zero balance and there are no Bonds Transactions transfers for a period of 6 (six) consecutive months. The Bank will Credit Cards close the Inactive Account if it has reached a period of 4 (four) Loans consecutive months to avoid being charged for Inactive Account Privilege Banking maintenance fee by the Indonesian Central Securities Depository (KSEI) Wealth Banking Investment & Bancassurance * The fees above do not include 10% VAT Treasury Products Operational Network << Prev 1 2 3 4 5 6 Next >> 11.5 Transaksi Obligasi Korporasi Ritel 4 HOME Savings Account Forex Transactions Retail Corporate Bonds Transactions Derivative Current Account Non Individual Customers Transactions No. Type of Fee Rupiah Denomination Denominasi USD Term Deposits Structured Products 1. Securities Account 0.05% per year 0.05% per year Maintenance Fee (Safekeeping General Terms & Government Bonds Calculated based on the nominal Calculated based on the nominal Interest Calculation Transactions fee) value in the current month value in the current month Facilities Retail Corporate 2. Minimum Safekeeping Fee Rp. 1,000,000 per month USD 100 per month Bonds Transactions 3. Transaction Settlement Fee Rp. 50,000 per USD 50 per transaction Credit Cards transaction (buy or sell) (buy or sell) 4. Ad Hoc Report (reports Rp. 50,000 USD 5 Loans other than routine reports) Privilege Banking 5. Biaya Inactive Account Rp. 1,000,000 per month - (hanya berlaku untuk An Individual Customer's Securities Wealth Banking Rekening Surat Berharga Account is categorized as Inactive Denominasi Rupiah) account if the Customer's Securities Investment & Account has a zero balance and Bancassurance there are no transfers for a period of 6 (six) consecutive months. Treasury Products Operational Network << Prev 1 2 3 4 5 6 Next >> 11.5 Transaksi Obligasi Korporasi Ritel 5 HOME Savings Account Forex Transactions Retail Corporate Bonds Transactions Current Account Derivative Transactions The Bank will close the Inactive Account if it has reached a period Term Deposits Structured of 4 (four) consecutive months to Products avoid being charged for Inactive General Terms & Government Bonds Account maintenance fee by the Interest Calculation Transactions Indonesian Central Securities Depository (KSEI) Facilities Retail Corporate Bonds Transactions * The fees above do not include 10% VAT Credit Cards Procedures for utilizing services Loans • Requirements Documents o Opening Securities Account (if the customer does not have it yet) : Privilege Banking Securities Account Opening Form Custodian Customer Data Form and Specimen of Signature Wealth Banking Securities Account Opening Agreement Power of Attorney for Opening Securities Accounts Investment & Fax Indemnity Agreement (if required) Bancassurance Indonesian Citizens: Photocopy of KTP and TIN Foreign Citizens: Photocopy of Passport and KIMS / KITAS / KITAP Treasury Products Operational Network << Prev 1 2 3 4 5 6 Next >> 11.5 Transaksi Obligasi Korporasi Ritel 6 HOME Savings Account Forex Transactions Retail Corporate Bonds Transactions Current Account Derivative Transactions o Customer Risks Profile Questionnaire o Risks Notification Letter Term Deposits Structured Products o Government Securities Purchase / Sale Form – for each transaction • The customer must be in good funds or have a securities pre-settlement limit General Terms & Government Bonds • For Reverse Repo Transactions, the Customer is required to sign the Global Master Repurchase Interest Calculation Transactions Agreement (GMRA) and the Attachments Facilities Retail Corporate • Available for new customers and existing customers Bonds Transactions • Please contact your Relationship Manager (RM) or Global Market Sales for more detailed information Credit Cards Risks • Risks of Market, potential loss may occur if investors sell Retail Corporate Bonds before maturity at a price Loans lower than the purchase price (capital loss). • Liquidity Risk, it is the potential loss if the owner of Retail Corporate Bonds has difficulty in selling Retail Privilege Banking Corporate Bonds before maturity. • Default risk, it is the potential loss if the issuer fails to pay interest and principal debt at a predetermined time. Wealth Banking Investment & Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 5 6 12.1. Cabang dan ATM UOB 1 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Jakarta Pusat Term Deposits Safe Deposit Box UOB Plaza ** Wahid Hasyim ** Jl. M.H. Thamrin No. 10, Kel. Jl. K.H. Wahid Hasyim No. 89 General Terms & Kebon Melati, Kec. Tanah Abang Phone: (021) 29276200 Interest Calculation Phone : (021) 29936900 Fax: (021) 29276400 Fax : (021) 29936680-82 Facilities Palmerah ** Senen ** Jl. Palmerah Barat No. 39 B Pusat Grosir Senen Jaya, Lantai Credit Cards Phone : (021) 5325479, (021) Dasar No. C8-1, Jl. Senen Raya, 5308785 Kel. Senen, Kec. Senen Loans Fax : (021) 5329249 Phone : (021) 29939511, (021) 29939513, (021) 29939514, (021) 29939515, (021) 29939516 Privilege Banking Fax : (021) 29939512 Wealth Banking Tanah Abang ** Sawah Besar ** Pusat Perdagangan Tanah Abang Jl. Sukarjo Wiryopranoto No. 26 Investment & Bukit Blok F No.6-8, Jl. K.H. Phone: (021) 3853677, (021) Bancassurance Fahruddin 231368, (021) 2313479, (021) Phone : (021) 3803320, (021) 3453336, (021) 3453337 Treasury Products 3846171 Fax : (021) 3860602 Fax : (021) 3151787, (021) Operational Description: 38903406 Network ** Branches with ATM facilities 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 2 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Petojo ** Juanda (d/h: Harmoni )** Cempaka Mas ** Jl. A.M Sangaji No. 25E Jl. Ir. H. Juanda No. 15, Kel. Ruko Mega Grosir Cempaka Mas, Term Deposits Safe Deposit Box Phone : (021) 6324562-63 Kebon Kelapa, Kec. Gambir Blok D1 No. 3, Jl. Letjen Fax : (021) 6324562, (021) Phone : (021) 22035055 Suprapto, Kel. Sumur Batu/Kec. General Terms & 63855187 Fax : (021) 22035056 Kemayoran, Jakarta Pusat Interest Calculation Phone : (021) 42906693, (021) 42906694, (021) 42889441 Facilities Fax : (021) 42889440 Credit Cards Metro Tanah Abang ** Pasar Baru ** Pangeran Jayakarta ** Pusat Grosir Metro Tanah Abang, Jl. K. H. Samanhudi 40 A, RT. Jl. Pangeran Jayakarta No. 126 Banking Center Lt.7 Unit No.1, Jl. 006 / RW. 02, Pasar Baru – 129 Blok A / 5, Kel. Mangga Dua Loans K.H. Wahid Hasyim No. 187-189, Sawah Besar Selatan, Kec. Sawah Besar Tanah Abang Phone : (021) 3500523, (021) Phone : (021) 62201905, (021) Privilege Banking Phone : (021) 30036023, 3850468, (021) 3866520, (021) 62201906, (021) 62201907, (021) 30036024, 30036025 3510587, (021) 3510588 6016574 Wealth Banking Fax : (021) 30036026 Fax : (021) 3510589 Fax : (021) 62201904 Investment & Bancassurance Treasury Products Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 3 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Jakarta Selatan Current Account Privilege Center Radio Dalam ** Pasar Minggu ** Setiabudi (d/h: Rasuna Said) ** Term Deposits Safe Deposit Box Jl. Radio Dalam No. 9A, Jl. Raya Ragunan No. 11, Pasar Setiabudi Atrium Building, Kebayoran Baru Minggu 1st Floor - Suite 101 AA, General Terms & Phone : (021) 7252647 Phone : (021) 7804680, (021) Jl. HR Rasuna Said Kav. 62, Interest Calculation Fax : (021) 7252648 78831562, (021) 7890439 Jakarta Selatan Fax : (021) 7890438 Phone : (021) 522 1107 Facilities Fax : (021) 5221108 Pondok Indah ** Tebet ** Fatmawati ** Credit Cards Jl. Metro Pondok Indah Sektor II, Kompleks Rukan Gajah, Jl. Dr. Jl. Fatmawati Raya No. 1 RT/RW Blok UA Kav.46-47 Sahardjo No. 111, RT. 001, RW. 001/04 Loans Phone: (021) 75906165, (021) 01, Persil No. 12 & No. 13, Kel. Phone : (021) 7504770, (021) 75900178 Tebet Barat, Kec. Tebet, 7664823, (021) 7661367 Fax : (021) 75900185 Phone : (021) 83798666, (021) Fax : (021) 7661333 Privilege Banking 83788700 Fax : (021) 83798555 Wealth Banking Panglima Polim ** Mampang ** Kemang ** Investment & Jl. Panglima Polim Raya No. 18A, Jl. Mampang Prapatan No. 99, Jl. Kemang Raya No. 24 A, Kel. Bancassurance B, C Kel. Duren Tiga, Kec. Pancoran, Bangka, Kec. Mampang Prapatan Phone: (021) 7251603, (021) Jakarta Selatan, Jakarta Selatan Phone : (021) 7179 4084, (021) Treasury Products 7202668, (021) 7251655 Phone : (021) 799 1397 7179 4085, (021) 7179 4086 Fax: (021) 7222187 Fax : (021) 7991386 Fax : (021) 7179 4083 Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 4 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Permata Hijau ** Plaza Oleos** Grand ITC Permata Hijau - Gedung Plaza Oleos Term Deposits Safe Deposit Box Emerald No. 10, Jl. Letjen Lantai Dasar Unit B1 & B2 Soepeno (Arteri Permata Hijau), Jl. TB Simatupang Kav 53A General Terms & Kel. Grogol Utara, Kec. Kebayoran Kel. Kebagusan, Kec. Pasar Interest Calculation Lama Minggu Phone : (021) 53663111, (021) Phone: (021) 2278 0125 Facilities 53664376 Fax: (021) 2278 0117 Fax : (021) 53663222 Credit Cards Jakarta Timur Loans Jatinegara ** Kramat Jati ** Jl. Pintu Pasar Utara No. 10-12, Jl. Raya Bogor No. 1, Unit RA 2, Privilege Banking Kel. Balimester, Kec. Jatinegara, RT.001 / RW.01, Kel. Kramat Jati, Phone : (021) 8191918,(021) Kec. Kramat Jati Wealth Banking 8193110, (021) 8197726, (021) Phone : (021) 8092417, (021) 2800178 8011644, (021) 80878641 Investment & Fax : (021) 8508919 Fax : (021) 8013973 Bancassurance Treasury Products Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 5 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Jakarta Barat Term Deposits Safe Deposit Box Central Park ** Mangga Besar ** Roxy Mas ** Central Park Mall, 3rd Floor, Shop Jl. Mangga Besar No. 68 – 68A Gedung Yusen – Lantai Dasar General Terms & Unit No. L3 – 203 A, Jl. Let. Jend. Jl. Biak No. 56 Interest Calculation S. Parman Kav. 28, Kel. Tanjung Phone : (021) 6594677, (021) Kel. Cideng Kec. Gambir Duren, Kec. Grogol Petamburan 6292150, (021) 6292349 Facilities Phone : (021) 2920 1015, (021) Fax : (021) 6293113 Phone : (021) 2263 8455 2920 1013, (021) 2920 1014, Fax : (021) 2263 5587 Credit Cards (021) 2920 1016 Fax : (021) 2920 1017 Loans Gajah Mada (d/h : Asemka) ** Petak Baru ** Green Garden ** Jl. Gajah Mada No.87-87A, Kel. Jl. Petak Baru No. 25-26 Komplek Perumahan Green Krukut, Kec. Taman Sari, Jakarta Phone : (021) 6922115, (021) Garden, Blok A.7 No. 47-50, Privilege Banking Barat 6922432, (021) 6912224, (021) Kelurahan Kedoya Utara, Phone : (021) 6329779 6924069, (021) 6901756-57, Kecamatan Kebon Jeruk Wealth Banking Fax : (021) 632 9696, (021) 632 (021) 6917410-11 Phone : (021) 5819005, (021) 9766, (021) 632 9966, (021) 632 Fax : (021) 6928086 5802814 Investment & 9906 Fax : (021) 5802776 Bancassurance Treasury Products Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 6 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Glodok Plaza ** Tanjung Duren ** Green Ville ** Current Account Privilege Center Komp. Glodok Plaza Blok F No. Jl. Tanjung Duren Raya Blok N Komplek Pertokoan Green Ville 1-2, Jl. Pinangsia Raya No. 352 RT.007/RW.03, Kel/Kec. Blok BG No. 14-15, Kecamatan Term Deposits Safe Deposit Box Phone : (021) 6595026, (021) Tanjung Duren Utara/Grogol Kebon Jeruk, Kelurahan Duri 6596745, (021) 6280943-44 Petamburan Kepa General Terms & Fax : (021) 6280944 Phone: (021) 5642027, (021) Phone : (021) 56957883-84, (021) Interest Calculation 5673950, (021) 56969082 56957895, (021) 56957897 Facilities Fax : (021) 5685079 Fax : (021) 56957902 K.H. M. Mansyur ** Duta Mas ** Citra Garden 2 ** Credit Cards Jl. KHM Mansyur No. 202 B Komplek Perumahan Taman Duta Komplek Rukan Citra Niaga, Blok Phone : (021) 6332755, (021) Mas, Blok D8 No. 1, Grogol A No. 3, Jl. Utan Jati, Kel. 6332756 Petamburan Pegadungan, Kec. Kalideres Loans Fax : (021) 6332759 Phone : (021) 5648262, (021) Phone : (021) 54377025 - 31 5649550; Fax : (021) 5649464 Fax : (021) 54374621 Privilege Banking Cengkareng ** Kebon Jeruk ** Puri Kencana (d/h Pesanggrahan) Komplek Taman Palem Lestari Gedung Graha Kencana, 1st floor, ** Wealth Banking Blok D 10 No.1, Cengkareng Jl. Raya Pejuangan No.88, Kebon Grand Puri Kencana, Jl. Puri Barat Jeruk Kencana Blok K7/2A, Kel. Investment & Phone : (021) 55957447,(021) Phone : (021) 5350638 Kembangan Selatan, Kec. Bancassurance 55957448, (021) 55957449 Fax : (021) 5350639 Kembangan Fax : (021) 55957446 Phone : (021) 5823602, (021) Treasury Products 5823603 (021) 5823604, (021) 5823605; Fax : (021) 581 9222 Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 7 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Jakarta Utara Pluit ** Mangga Dua ** Mangga Dua Plaza ** Term Deposits Safe Deposit Box Jl. Pluit Kencana Raya No. 76 Pusat Grosir Pasar Pagi Mangga Mangga Dua Plaza Blok F No. 5 Phone : (021) 6611770 – 71 Dua Lt. III, Blok BC 011,012,012A Jl. Mangga Dua Raya General Terms & Fax : (021) 6691163 & 014, Jl. Mangga Dua Raya Phone : (021) 6120086, (021) Interest Calculation Phone : (021) 6255661,(021) 6120912, (021) 6129128, (021) 6127340 6129129 Facilities Fax : (021) 6127341 Fax : (021) 6129130 Credit Cards Jembatan Dua ** Muara Karang ** Pluit Village ** Jl. Jembatan Dua No. 139 A Jl. Muara Karang No. 1, RT. 019, Pluit Village MG 8-9, Taman Tirta Phone : (021) 6631760, (021) RW. 02, Kav. Blok Y3 Barat No. Loka, Jl. Pluit Permai Raya Loans 663176 – 62 10 Phone : (021) 6683682 Fax : (021) 6610615 Phone : (021) 6625967-69, (021) Fax : (021) 6683692 Privilege Banking 6601048 Fax : (021) 6606171 Wealth Banking Kelapa Gading Boulevard ** Kelapa Gading ** Tanjung Priok ** Jl. Raya Boulevard Blok FW I No. Jl. Raya Barat Boulevard Blok Jl. Enggano Blok C No.11-G, Kel. Investment & 18, Kelapa Gading Boulevard, LC7 No. 1-2, Kelapa Gading Tanjung Priok, Kec. Tanjung Priok Bancassurance Kelapa Gading Permai Phone : (021) 435 1460 Phone : (021) 4531069–70 Phone : (021) 4529171 Fax : (021) 4366562 Treasury Products Fax : (021) 45841059 Fax : (021) 4529179 Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 8 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Sunter Agung ** Pantai Indah Kapuk ** Kelapa Gading Boulevard Raya ** Jl. Danau Sunter Agung Utara Rukan Exclusive Blok A No.27, Jl. Jl. Boulevard Raya Blok DG No. Term Deposits Safe Deposit Box Blok D 1 no. 6B, Sunter Agung Marina Raya, Kel. Kamal Muara, 2, Kel. Kelapa Gading Timur, Phone : (021) 6451120-21, (021) Kec. Penjaringan, Kelapa Gading General Terms & 65833281-82 Phone : (021) 5694 6227 Phone : (021) 4527582 Interest Calculation Fax : (021) 6453821 Fax : (021) 56946227 Fax : (021) 4527583 Facilities Teluk Gong ** Kompleks Duta Harapan Indah Blok G No. 10, Jl. Kapuk Muara Credit Cards Phone : (021) 6617577 – 78, (021) 6622957 Fax : (021) 6612279 Loans Bekasi Bekasi Selatan ** Cikarang ** Privilege Banking Jl. Achmad Yani Kav. A4 No. 7, Komplek Ruko Cikarang Ruko Kalimalang Commercial Commercial Center, Blok B1 No. Wealth Banking Centre, Desa Kayuringin 23, Jl. Raya Cikarang Cibarusah Phone : (021) 889 658 91-93, Km.40 No.1, Kel. Pasir Sari, Kec. Investment & (021) 885 3521 Cikarang Selatan Bancassurance Fax : (021) 889 658 90 Phone : (021) 89835725, (021) 89835726, (021) 89835727 Treasury Products Fax : (021) 89835724 Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 9 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Bogor Term Deposits Safe Deposit Box Bogor ** Cibubur ** Jl. Suryakencana No. 260F, Kel. Ruko Cibubur Times Square Blok General Terms & Gudang, Kec. Bogor Tengah Kota B-1 No.11 & 12, Jl. Alternatif Interest Calculation Bogor Cibubur KM 3, Kel. Jatikarya, Phone : (0251) 8325256 Kec. Jatisampurna, Kota Bekasi Facilities Fax : (0251) 8325307 Phone : (021) 84592489, (021) 84302667 Credit Cards Fax : (021) 84597922 Bandung Loans Bandung ** Andir ** Kopo ** Jl. Jend. Sudirman No. 55A Jl. Jamika No. 19 Jl. Kopo No. 91 Privilege Banking Phone : (022) 4204491 Phone : (022) 6023509 Phone : (022) 5230030, 5204784 Fax : (022) 4238906 Fax : (022) 6079274 Fax : (022) 5204784, (022) Wealth Banking 5227177 Investment & Pasir Kaliki ** Bandung Rivai ** Achmad Yani ** Bancassurance Jl. Pasir Kaliki No, 161 Jl. Abdul Rivai No.2A Jl. Jend. Achmad Yani No. 235 Phone : (022) 6017027 Phone : (022) 4209980 Phone : (022) 7204952 Treasury Products Fax : (022) 3044520 Fax : (022) 4209970 Fax : (022) 7205551 Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 10 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Bandung Setiabudi ** Dago ** Buah Batu ** Term Deposits Safe Deposit Box Jl. Dr Setiabudi No.146 B, Jl. Ir. H. Juanda No.43 Ruko Buah Batu No.146 A, General Terms & Lingkungan Hegarmanah, Phone : (022) 426 1175, (022) Jl. Buah Batu Dalam No.1, Kel. Interest Calculation Kecamatan Cidadap 426 1191 Cijagra, Kec. Lengkong Phone : (022) 8206 6033 Fax : (022) 4267885 Phone : (022) 731 5139 Facilities Fax : (022) 8206 6481 Fax : (022) 7315193 Cirebon Credit Cards Cirebon ** Jl. Yos Sudarso No. 29, Cirebon Loans Phone : (0231) 205040, 206959, 206396, 221541 Privilege Banking Fax : (0231) 201989, (0231) 248340 Wealth Banking Depok Investment & Depok ** Bancassurance Pertokoan ITC Depok No. 48, Jl. Margonda Raya No. 56, Kel. Depok, Kec. Pancoran Mas, Treasury Products Kota Depok Phone : (021) 7765236, (021) 77202916 – 18 Operational FaxDescription: : (021) 7765237 Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 11 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Tasikmalaya Term Deposits Safe Deposit Box Tasikmalaya ** Jl. Empang No. 50 General Terms & Phone : (0265) 310300 Interest Calculation Fax : (0265) 33200 Facilities Tangerang Tangerang ** Cimone ** BSD Golden ** Credit Cards Jl. Ki Asnawi No. 64 C-D, Jl. Merdeka No. 320, Kelurahan Ruko BSD Golden Boulevard, Tangerang Cimone Jaya, Kecamatan Blok C No. 6, Jl. Pahlawan Loans Phone : (021) 5523081-83-84, Karawaci, Tangerang Seribu, Kec. Serpong, Tangerang (021) 55799082-83 Phone : (021) 5522004 Phone : (021) 53160680,(021) Fax : (021) 5523082 Fax : (021) 5525017 53160681, (021) 53153168, (021) Privilege Banking 53153169 Fax : (021) 53153087 Wealth Banking Gading Serpong ** Bintaro Sektor 3A ** Alam Sutera ** Investment & Ruko Graha Boulevard Blok Rukan Bintaro Blok A.6 (Rukan Jl. Jalur Sutera Kav. 29 D, No. 45 Bancassurance GBVC / 002, Jl. Boulevard Gading depan Bintaro Plaza), Sektor 3A, Kel. Pakualam, Kec. Serpong Serpong, Kel. Curug, Kec. Kelapa Kel. Pondok Karya, Kec. Pondok Utara Treasury Products Dua, Tangerang, Banten Aren Phone: (021) 30030524 Phone : (021) 2900 1081 Phone : (021) 736 2898 Fax : (021) 30030525 Operational Description:Fax : (021) 29001071 Fax : (021) 7362897 Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 12 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Serang, Cilegon Serang ** Cilegon ** Rangkasbitung ** Term Deposits Safe Deposit Box Jl. M. Hasanuddin, Serang Plaza Jl. Jend. Ahmad Yani No.6 Jl. Sunan Kalijaga No. 62 General Terms & Blok II No. 3-7, Serang Phone : (0254) 391033, (021) Phone : (0252) 201595,(021) Interest Calculation Phone : (0254) 200153, (021) 391034,(021) 392057 201596 201566 Fax : (0254) 391151 Fax : (0252) 201703 Facilities Fax : (0254) 200692 Magelang Credit Cards Magelang ** Temanggung ** Muntilan Jl. Tidar No. 17 Magelang JL. KS. Tubun No. 1, Komp. Ruko PJKA A. II No. 3, Loans Phone : (0293) 362181, 364344, Temanggung I Muntilan 365261, 364405-06 Phone : (0293) 491555 Phone : (0293) 586508, 587323 Privilege Banking Fax : (0293) 364271 Fax : (0293) 491155 Fax : (0293) 587415 Wealth Banking Purwokerto Purwokerto ** Purbalingga ** Investment & Jl. Jend. Sudirman No. 330 Jl. Ahmad Yani No. 42, Kel. Kandanggampang, Kec. Purbalingga, Kab. Bancassurance Phone : (0281) 631464, 623466, Purbalingga 635996, 630942, 630259, 635950 Phone: (0281) 8902860 Treasury Products Fax : (0281) 636474, (0281) Fax : (0281) 8904355 640945 Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 13 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Semarang Semarang ** Siliwangi ** Agus Salim Term Deposits Safe Deposit Box Menara Suara Merdeka (Ground Jl. Jend. Sudirman No. 131 Kompleks Ruko THD Blok B-21, General Terms & Floor, Mezzanine Floor, 2nd Phone : (024) 7608791 Jl. K.H. Agus Salim, Interest Calculation Floor) Jl. Pandanaran No. 30 Fax : (024) 7608623 Phone : (024) 3584035, 3584007 Phone : (024) 86448000 Fax : (024) 3584036 Facilities Fax : (024) 86446066 Mataram ** Majapahit ** Gang Tengah ** Credit Cards Ruko Plaza Blok A No. 8 A, Jl. MT Jl. Brigjend. Sudirato 106, Gang Tengah No. 16, Semarang Haryono Semarang Phone : (024) 3561800 Loans Phone : (024) 3560033, 3560461 Phone : (024) 6723762 Fax : (024) 3561700 Fax : (024) 3560462 Fax : (024) 6723761 Privilege Banking Salatiga Wealth Banking Salatiga ** Jl. Jend. Sudirman 188 Investment & Phone : (0298) 322027 Bancassurance Fax : (0298) 326032 Treasury Products Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 14 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Solo Solo ** Pasar Klewer ** Kratonan ** Term Deposits Safe Deposit Box Jl. Jend. Urip Sumoharjo No. 13- Beteng Trade Center Blok C No. Jl. Yos. Sudarso No. 246 General Terms & 17, Solo 4, Kel. Kedunglumbu, Kec. Pasar Phone : (0271) 652626, 654343 Interest Calculation Phone : (0271) 646348 Kliwon, Kotamadya Surakarta Fax : (0271) 655622 Fax : (0271) 668758, (0271) Phone : (0271) 641 798 Facilities 630620, (0271) 646947 Fax : (0271) 655 203 Sragen Pasar Legi ** Credit Cards Jl. Raya Sukowati No. 194, Jl. Letjen. S. Parman No.83, Kel. Sragen, Kel. Sragen Kulon, Kec. Kestalan, Kec. Banjarsari Loans Sragen, Kab. Sragen Phone : (0271) 666536 Phone : (0271) 891276, 891250 Fax : (0271) 641177 Fax : (0271) 891276 Privilege Banking Tegal Wealth Banking Tegal ** Investment & Jl. Kolonel Sugiono No. 56, Bancassurance RT/RW : 003/05, Kel/Kec : Pekauman/Tegal Barat Treasury Products Phone : (0283) 325005, (0283) 325001, (0283) 325005 Operational Description:Fax : (0283) 325008 Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 15 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Banyuwangi Term Deposits Safe Deposit Box Banyuwangi ** Jl. Jend. Sudirman No. 16, General Terms & Banyuwangi Interest Calculation Phone : (0333) 426500, 424705, 42306162, 422270-71, 424070 Facilities Fax : (0333) 424260 Jember Credit Cards Jember ** Loans Jl. Gajah Mada No. 68, Jember Phone : (0331) 484545, 424759, 424859 Privilege Banking Fax : (0331) 484980 Wealth Banking Jombang Investment & Jombang ** Mojokerto ** Bancassurance Jl. Merdeka No. 133 Jl. Mojopahit 55-57, Mojokerto Phone : (0321) 862500-01, Phone : (0321) 322291, 322816 Treasury Products 862337, 874857-58 Fax : (0321) 322719 Fax : (0321) 862171 Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 16 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Malang Malang ** Sutan Syahrir ** Blimbing ** Term Deposits Safe Deposit Box Jl. Basuki Rahmat No. 63 Jl. Sutan Syahrir No. 51, Kel. Kompleks Pertokoan (Ruko) General Terms & Phone : (0341) 342333 Sukoharjo, Kec. Klojen Letjend S. Parman 56, Blok A-6 Interest Calculation Fax : (0341) 342572 Phone : (0341) 343230 (0341) Kel. Purwantoro, Kec. Blimbing 365096 (0341) 365119 Phone : (0341) 405111, 405100 Facilities Fax : (0341) 356044, (0341) Fax : (0341) 418441 365118 Credit Cards Surabaya Loans Surabaya ** Coklat ** Perak Timur ** Jl. Panglima Sudirman No. 53 Jl. Coklat No. 12 – 14 Ruko Tanjung Perak, Jl. Perak Phone : (031) 5471772, 5481888 Phone : (031) 3526784, 3530966 Timur No. 42 Privilege Banking Fax : (031) 5345026, (031) Fax : (031) 3523332 Phone : (031) 355 0318 5345136, (031) 5345146 Fax : (031) 3550318, (031) 355 Wealth Banking 0314 Investment & Kedungdoro ** Kapas Kerampung ** Pasar Atum ** Bancassurance Jl. Kedungdoro 155D Jl. Kapas Krampung 55 B Pasar Atum Mall Lantai 4 FS-3,5; Phone : (031) 5321365, 5322451 Phone : (031) 3727910, 3718281, Jl. Bunguran 45, Kel. Bongkaran, Treasury Products Fax : (031) 5471442 3769292 Kec. Pabean Cantikan Fax : (031) 3715633 Phone : (031) 3523545, 3558115 Operational Description: Fax : (031) 3530793 Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 17 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Baliwerti Surabaya Bukit Darmo ** Mayjend. Sungkono ** Jl. Gemblongan No. 65 L, Kel. Jl. Raya Bukit Darmo Golf Blok R Komp. Darmo Park I Blok III-A Term Deposits Safe Deposit Box Aloonaloon Contong, Kec. No.28 – 30, Kel/Kec Pradah No. 7-8, Jl. Mayjend. Sungkono Bubutan Kalikendal/Dukuh Pakis Phone : (031) 5614431, 5682062 General Terms & Phone : (031) 5322886, 5327030 Phone : (031) 7343949 Fax : (031) 5672982 Interest Calculation Fax : (031) 5353720 Fax : (031) 7343910 (sekretariat), (031) 7348259 (Back Office Lt.1), Facilities (031) 7341943 (Back Office Lt.2) Credit Cards Raden Saleh ** Sidoarjo ** Gresik ** Jl. Raden Saleh No. 8-A, Kel. Jl. Jend. Achmad Yani 40 J, Jl. Usman Sadar No.84, Gresik Bubutan, Kec. Bubutan Sidoarjo Phone : (031) 3990053,3972145 Loans Phone : (031) 5359970, (031) Phone : (031) 8941836, 8941046 Fax : (031) 3990054 5359971, (031) 5359974, (031) Fax : (031) 8941047 Privilege Banking 5359963 Fax : (031) 52403548, (031) Wealth Banking 5355964 Surabaya Manyar Kertoarjo ** Rungkut Investment & Jl. Manyar Kertoarjo No. 50 Jl. Rungkut Kidul Industri No. 62 Bancassurance Phone : (031) 599 1168, (031) Phone : (031) 8418271, 8419272 599 1428 Fax : (031) 8414517 Treasury Products Fax : (031) 5991411, (031) 5991412 Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 18 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center MERR (d/h Bratang Binangun) ** Klampis Pakuwon City ** Jl. Dr. Ir. H. Soekarno Kav. R-3, Jl. Klampis Jaya No. 27 C, Kel. Jl. Pakuwon Boulevard II, Komp. Ruko Icon 21, MERR, Kel. Klampisngasem, Kec. Sukolilo East Coast Patoz AA2, No. 52 Term Deposits Safe Deposit Box Klampisngasem, Kec. Sukolilo, Phone : (031) 5927672; 5927673 Pakuwon City, Kel. Kejawan Putih Surabaya Fax : (031) 5927262 Tambak, Kec. Mulyorejo General Terms & Interest Calculation Phone : (031) 5925585 Phone: (031) 595 7279 Fax : (031) 5929072 Fax: (031) 5917 5371 Facilities Bandar Lampung Credit Cards Bandar Lampung ** Tanjung Karang Jl. Ikan Tenggiri No. 17/A, Teluk Jl. RA Kartini No. 8, Kel. Palapa, Loans Betung Kec. Tanjung Karang Pusat, Kota Phone : (0721) 482982 Bandar Lampung Fax : (0721) 482951 Phone : (0721) 5608031 Privilege Banking Fax : (0721) 5608033 Wealth Banking Denpasar Investment & Denpasar ** Diponegoro ** Tabanan ** Bancassurance Jl. Dr. Wahidin No. 39 Jl. Diponegoro No. 150 Blok A 1 Jl. Gajah Mada No. 80, Tabanan Phone : (0361) 433014 No. 2 Phone : (0361) 811588, 811277 Treasury Products Fax : (0361) 424245 Phone : (0361) 262773, 263719, Fax : (0361) 812569 263720 Operational Description: Fax : (0361) 247246 Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 19 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Gatot Subroto ** Denpasar Bali Renon ** Kuta ** Jl. Gatot Subroto No. 100 X Kav. Jl. Raya Puputan Komplek Kompleks Ruko Istana Kuta Term Deposits Safe Deposit Box 10 Pertokoan Niti Mandala Raya Galeria Blok Valet No.12 & 12A, Phone : (0361) 7450714, No.17, Renon Jl. Patih Jelantik, Kuta, Badung General Terms & 7450175, 7427697 Phone : (0361) 241888 Phone : (0361) 754044, 767188, Interest Calculation Fax : (0361) 248826 Fax : (0361) 245978 769100 Fax : (0361) 769256 Facilities Yogyakarta Credit Cards Yogyakarta ** Brigjend Katamso Kricak ** Jl. Jend. Sudirman No. 62 Jl. Brigjend. Katamso No. 278 Jl. Magelang No. 81 Loans Phone : (0274) 562000, 517410 Phone : (0274) 384193, 415732 Phone : (0274) 553385 Fax : (0274) 563433 Fax : (0274) 378569 Fax : (0274) 563672 Privilege Banking Jambi Wealth Banking Jambi ** JL. R. Mattaher No. 34 - 35, Kel Investment & Orang Kayo Hitam Bancassurance Phone : (0741) 20623 Fax : (0741) 7554014 Treasury Products Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 20 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Palembang Palembang ** Jend. Sudirman ** R. Sukamto ** Term Deposits Safe Deposit Box Jl. Mesjid Lama No. 48-50 Jl. Jend. Sudirman No. 1031 D-E Jl. R. Sukamto No. 106 C RT Phone : (0711) 310965 Phone : (0711) 358682, 358411, 008/004 Kec.8 Ilir, kec Ilir Timur II General Terms & Interest Calculation Fax : (0711) 313216, (0711) 358572, 364952 Phone : (0711) 369 843 316663, (0711) 361150, (0711) Fax : (0711) 354891 Fax : (0711) 367 072 Facilities 357816 Bengkulu Credit Cards Bengkulu ** Jl. Let. Jend. Suprapto No. 169- Loans 171 Phone : (0736) 21705 Privilege Banking Fax : (0736) 21110 Wealth Banking Investment & Bancassurance Treasury Products Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 21 HOME Savings Account UOB Branches & ATMs Cabang dan ATM UOB Current Account Privilege Center Medan Medan ** Asia ** Medan Djuanda Term Deposits Safe Deposit Box Jl. Palang Merah No. 30 Jl. Asia No. 132/172, Medan, Jl. Ir. H. Djuanda No. 20i, Kel. General Terms & Phone : (061) 4156574 Kel.Sei Rengas I, Kec.Medan Sukadamai, Kec. Medan Polonia, Interest Calculation Fax : (061) 4148556, (061) Phone : (061) 7368623, (061) Medan, 20157 4154793, (061) 4560116 7368653 Phone : (061) 8881 5959 Facilities Fax : (061) 7368932 Fax : (061) 4200 3822 Cemara Asri (d/h: Krakatau)** Petisah ** Medan Business Centre ** Credit Cards Jl. Cemara Boulevard Blok A No. Jl. Nibung Utama No. 10, Komplek Medan Business Centre 58, Kec. Pursut Sei Tuan, Kab Kelurahan Petisah Tengah, (MBC), Jl. Let. Jend. S. Parman, Loans Deli Serdang, Kota Medan Kecamatan Medan Petisah Blok A No. 16, Kelurahan Petisah Phone : (061) 66936911 Phone : (061) 4554322, 4143383 Tengah, Kecamatan Medan Fax : (061) 66933132 Fax: (061) 4530251 Petisah Privilege Banking Phone : (061) 4148167, 4148724, 4148743; Fax : (061) 4148295 Wealth Banking Tomang Elok ** Investment & Jl. Jend. Gatot Subroto, Kompleks Bancassurance Tomang Elok Blok A No. 55, Sei Sikambing Treasury Products Phone : (061) 8455405,(061) 8455785, (061) 8455635 Operational Fax : (061) 8455656 Network << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 22 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Pontianak Pontianak ** Sultan Muhammad Term Deposits Safe Deposit Box Jl. HOS Cokroaminoto No. 266A Jl. Sultan Muhammad No. 175 General Terms & Phone : (0561) 732600, 734656 Phone: (0561) 731583 Interest Calculation Fax : (0561) 736282 Fax : (0561) 731582 Facilities Banjarmasin Credit Cards Banjarmasin ** A. Yani ** Jl. Lambung Mangkurat No. 17 Jl. Jend. A. Yani KM 2, No. 12 RT Loans Phone : (0511) 3357172, 17 3353754, 3365312 Phone : (0511) 3269525, 3262991 Fax : (0511) 3353305 Fax : (0511) 3269525 Privilege Banking Balikpapan Wealth Banking Balikpapan ** Plaza Kebun Sayur ** Gunung Sari ** Kavling 8 Square Blok A& & A&, Ruko Plaza Kebun Sayur No. T. Jl. Jend. A. Yani No. 267 Investment & RT 28 Jl. M.T. Haryono, Kel. 36, Jl. Jend. Suprapto, Kec. Baru Phone : (0542) 732531 Bancassurance Damai, Kec. Balikpapan Selatan Ilir, Kec. Balikpapan Barat Fax : (0542) 732534 Treasury Products Phone : (0542) 7208888, 7209999 Phone : (0542) 733597, 423009, Fax : (0542) 765477 748073 Operational Description: Fax : (0542) 748074 Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 23 HOME Savings Account UOB Branches & UOB Branches & ATMs ATMs Current Account Privilege Center Samarinda Samarinda ** Yos Sudarso Term Deposits Safe Deposit Box Jl. Pangeran Diponegoro No. 68- Jl. Yos Sudarso No. 36 70 Phone : (0541) 731558; 741586 General Terms & Phone : (0541) 732492-95-97, Fax : (0541) 742274 Interest Calculation 74951617-18 Facilities Fax : (0541) 732490 Pekanbaru Credit Cards Pekanbaru ** Nangka ** Jl. Jend. Sudirman No. 442, Jl. Nangka/Tuanku Tambusai No. Loans Pekanbaru 181, Pekanbaru Phone : (0761) 21168, (0761) Phone : (0761) 31308-9,20440 Privilege Banking 21116, (0761) 20879, (0761) Fax : (0761) 37317 848053 Wealth Banking Fax : (0761) 848052 Investment & Bancassurance Treasury Products Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Next >> 12.1. Cabang dan ATM UOB 24 HOME Savings Account UOB Branches & ATMs UOB Branches & ATMs Current Account Privilege Center Batam Batam ** Grand Niaga Mas ** Batam Centre ** Term Deposits Safe Deposit Box Komplek Batam Plaza Blok E No. Komplek Grand Niaga Mas Blok A Komplek Mahkota Raya Blok D General Terms & 1-3, Jl. Imam Bonjol No. 3, Batam Centre, Kel. Belian, No. 7 & No. 8, Jl. Engku Putri, Interest Calculation Phone : (0778) 459691 Kec. Batam Kota Kel. Teluk Tering, Kec. Batam Fax : (0778) 458601 Phone : (0778) 4161676 Kota Facilities Fax : (0778) 4170105 Phone : (0778) 7486000 Fax : (0778) 7486025 Credit Cards Makassar Loans Makassar ** Bandang Panakkukang ** Jl. Sulawesi No. 83 Jl. Bandang No. 50 B Jl. Pengayoman No. 48 Phone : (0411) 3621421 Phone : (0411) 326694 Phone : (0411) 421921, 433017 Privilege Banking Fax : (0411) 315702, 319457 Fax : (0411) 317445 Fax : (0411) 458260 Wealth Banking Investment & Bancassurance Treasury Products Operational Description: Network ** Branches with ATM facilities << Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 12.2. Privilege Center 1 HOME Savings Account Cabang dan ATM UOB Privilege Center Current Account Privilege Center Jakarta Term Deposits Safe Deposit Box UOB PLAZA Jl. MH Thamrin Kav 10, General Terms & Privilege Banking Center Lt.1, Interest Calculation Jakarta Pusat Tel: (021) 2350 6000 ext 30123 Facilities TEBET Credit Cards Kompleks Rukan Gajah Jl. Dr. Saharjo No. 111, Tebet Jakarta Selatan Loans Tel: (021) 8379 8666 Privilege Banking KELAPA GADING BOULEVARD Jl. Boulevard Raya Blok DG No.2, Wealth Banking Kelapa Gading, Jakarta Utara Investment & Tel: (021) 452 4642 ext. 3302 Bancassurance KELAPA GADING Treasury Products Jl.Raya Barat Boulevard Blok LC7 No.1-2, Kelapa Gading Permai, Operational Jakarta Utara Network Tel: (021) 452 9171 ext. 3320 1 2 3 4 Next >> 12.2. Privilege Center 2 HOME Savings Account Cabang dan ATM UOB Privilege Center Current Account Privilege Center PONDOK INDAH Jl. Metro Pondok Indah Sektor II, Blok UA Kav 46-47, Term Deposits Safe Deposit Box Jakarta Selatan Tel: (021) 7590 6165 ext. 3241 General Terms & Interest Calculation RADIO DALAM Facilities Jl. Radio Dalam Raya No. 9 A, Kebayoran, Jakarta Selatan Credit Cards Tel: (021) 725 2647 ext. 3202 Loans PANTAI INDAH KAPUK Graha Indochem Lt. Basement & Lt. Dasar Privilege Banking Jl. Pantai Indah Kapuk Boulevard Kav. SSB/E Jakarta Utara Wealth Banking Tel : 021 – 2921 0600 Fax : 021 – 2921 0601 Investment & GADING SERPONG Bancassurance Ruko Graha Boulevard Blok GBVC / 002 Jl. Boulevard Gading Serpong Treasury Products Tangerang, Banten Operational Tel : 021 – 2900 1081 Network << Prev 1 2 3 4 Next >> 12.2. Privilege Center 3 HOME Savings Account Cabang dan ATM UOB Privilege Center Current Account Privilege Center Bandung Term Deposits Safe Deposit Box DAGO Jl. IR. H. Juanda No 43, General Terms & Dago, Interest Calculation Bandung Tel: (022) 426 1191, 426 1175 ext. 3316 Facilities RIVAI Credit Cards Jl. Abdul Rivai No. 2A Bandung 40116 Tel: (022) 420 9980 ext. 2222 Loans Surabaya Privilege Banking BUKIT DARMO Wealth Banking Jl. Raya Bukit Darmo Golf Blok R No.28-30, Surabaya Investment & Tel: (031) 734 3949, 734 9303 ext. 3210 Bancassurance MANYAR Treasury Products Jl. Manyar Kertoarjo 50, Surabaya Operational Tel: (031) 599 1168 ext. 3170 Network << Prev 1 2 3 4 Next >> 12.2. Privilege Center 4 HOME Savings Account Cabang dan ATM UOB Privilege Center Current Account Privilege Center PANGLIMA SUDIRMAN Jl. Panglima Sudirman No.53, Term Deposits Safe Deposit Box Surabaya Tel: (031) 547 1772 ext. 3267 General Terms & Interest Calculation Medan Facilities Medan Juanda Jl. Ir. H. Djuanda No. 20i Polonia, Credit Cards Medan Tel : 061 – 8881 5959 Fax : 061 – 4200 3822 Loans Semarang Privilege Banking GEDUNG MENARA SUARA MERDEKA Wealth Banking Jl. Pandanaran no.30, Semarang Investment & Tel: (024) 864 48000 ext. 3284 Bancassurance Treasury Products Operational Network << Prev 1 2 3 4 12.3. Safe Deposit Box 1 HOME Savings Account Cabang dan ATM UOB Safe Deposit Box Current Account Privilege Center Jakarta Term Deposits Safe Deposit Box UOB Plaza Kelapa Gading Jl. M.H. Thamrin Kav. 10, Jl. Raya Barat Boulevard General Terms & Jakarta Pusat Blok LC7 No. 1-2 Interest Calculation (021) 23506000 ext: 30025 Kelapa Gading Permai Jakarta Utara Facilities (021) 452 9171 Green Garden Pantai Indah Kapuk Boulevard Pluit Credit Cards Komp. Perumahan Green Garden Graha Indochem Jl. Pluit Kencana Raya No. 76, Blok A.7 No. 47-50 Lt. Basement & Lt. Dasar Jakarta Utara Loans Kedoya Utara Jl. Pantai Indah Kapuk Boulevard (021) 6611770 – 71 Jakarta Barat Kav. SSB/E (021) 581 9005 Jakarta Utara Privilege Banking (021) 2921 0600 Wealth Banking Muara Karang Pondok Indah Jl. Muara Karang Raya Jl. Metro Pondok Indah Sektor II Investment & Blok Y3 No. 10 Lt. 3 Blok UA Kav.46-47 Bancassurance Jakarta Utara Jakarta Selatan (021) 6669 2378 (021) 7590 6165 Treasury Products Operational Network 1 2 3 Next >> 12.3. Safe Deposit Box 2 HOME Savings Account Cabang dan ATM UOB Safe Deposit Box Current Account Privilege Center Bandung Panglima Sudirman Dago Term Deposits Safe Deposit Box Jl. Jend. Sudirman No. 55A Jl. Ir. H. Juanda No.43 Dago General Terms & Bandung Bandung Interest Calculation (022) 4204491 (022) 426 1191/75 Facilities Surabaya Panglima Sudirman Credit Cards Jl. Panglima Sudirman No. 53 Surabaya Loans (031) 547 1772 Semarang Privilege Banking Gedung Menara Wealth Banking Suara Merdeka Jl. Pandanaran No. 30 Investment & Semarang Bancassurance (024) 864 48000 Treasury Products Operational Network << Prev 1 2 3 Next >> 12.3. Safe Deposit Box 3 HOME Savings Account Cabang dan ATM UOB Safe Deposit Box Current Account Privilege Center Solo Solo Term Deposits Safe Deposit Box Jl. Jend. Urip Sumoharjo No. 13- General Terms & 17, Solo Interest Calculation (0271) 646348 Facilities Medan Palang Merah Medan Juanda Medan Asia Credit Cards Jl. Palang Merah No. 30 Jl. Ir. H. Djuanda No. 20i Jl. Asia No. 132/172, Kel. Sei Medan Polonia, Medan Rengas I, Kec. Medan Kota, Loans (061) 415 6574 (061) 8881 5959 Medan (061) 7368623 Privilege Banking (061) 7368653 Palembang Wealth Banking Palembang Investment & Jl. Mesjid Lama No. 48-50, Bancassurance Palembang, Sumatera Selatan (0711) 310965 Treasury Products Operational Network << Prev 1 2 3