Deposits of Individual Customers or Business Entities/Legal Entities in rupiah or foreign currencies whose withdrawals can be made at any time during Bank Resona Perdania's ("Bank") operational hours by using checks, bilyet giro and other means of payment orders.

A. Benefits and Risks

Benefits

Fund storage facilities.
Supports business activities through transactions in fund payments and receipts.
Fund deposit and withdrawal services that can be done on business days in accordance with the Bank's operating hours applicable at all Branch Offices / Capem.
E-statement facility available for transaction details that will be sent to the registered email address.
Guaranteed by the Deposit Insurance Corporation (LPS) in accordance with applicable regulations.

Risks

Cost Change Risk

Cost change risk occurs if there are changes in terms and conditions that may affect the fees charged to customers.
Interest Rate Risk

Interest rate risk occurs if there are changes in market interest rates that may potentially affect the interest rate on current accounts.
Risk of Current Account Funds Not Being Guaranteed by LPS
Customer deposits are not guaranteed by LPS if:

The total balance of deposits (including interest) in the Customer's name at the Bank exceeds IDR 2,000,000,000 (two billion rupiah) or the equivalent if the funds are deposited in a currency other than rupiah.
The interest rate received by the customer exceeds the LPS guarantee interest rate.

B. Terms and Conditions of Use
Meet the requirements for opening a Current Account as stated in the current account opening form.

Form
Fill out the current account opening form, attaching valid, complete, and up-to-date documents in accordance with the Bank's account opening requirements.

Individuals
Photocopy of ID card / passport / KITAS and NPWP.
Business Entities

Photocopy of Deed of Establishment, amendments to the Articles of Association and Ministry of Law and Human Rights Permit, photocopy of NIB and NPWP.

Minimum Initial Deposit
Deposit the minimum initial deposit for opening a current account as follows:

Type of Customer	Minimum Initial Deposit
Business Entity	Refer to Fees and Charges
Individual	Refer to Fees and Charges

Minimum Average Balance Requirements and Fees
Refer to Fees and Charges

C. Fees

Service	Fee
I. Account Opening
Stamp Duty	Rp10.000
II. Cash Deposit
Cash Deposit Fees for USD and JPY for Customers Credited to Account	Refer to Fees and Charges
Cash Deposit Fees for USD and JPY for Customers for Money Transfers
Cash Deposit Fees for USD and JPY for Non-Customers for Money Transfers
III. Cash Withdrawals
Cash Withdrawals for USD, JPY, and CNY	Refer to Fees and Charges
IV. Internal Transfers
Internal Transfers for the Same Currency	Refer to Fees and Charges
Internal Transfers for Currency Exchange	Refer to Fees and Charges
V. Account Closure
Rupiah and Other Currency Accounts	Refer to Fees and Charges
Stamp Duty	Rp10.000
VI. Others
Checkbooks and Giro Books	Refer to Fees and Charges
Administrative Fees \| Rupiah Accounts and Other Currencies
Copy of Bank Statement
Copy of Receipt

D. Simulation
Interest for checking accounts is given under the following conditions:

Based on average balance: average balance amount refer to Fees and Charges

Example of checking account service simulation and its duration.

Interest Calculation Method:

Total checking account service interest: Average Balance x Checking Account Interest Rate x Period of Days / 360.
Tax Calculation: Total Current Account Interest x 20%.

Average balance

Interest Rate *

Total interest

Tax

Interest received

Rp100.000.000

0,25%

Rp20.833,33

Rp4.166,67

Rp16.666.67

*) The interest rates in this summary are simulated and do not represent actual values. Interest rates are subject to change in accordance with bank policies and applicable regulations.

Guaranteed Interest Rate: The guaranteed interest rate follows the provisions of the Deposit Insurance Corporation (LPS). The applicable LPS rate can be accessed at https://lps.go.id

E. Miscellaneous
Current accounts will be deactivated if the customer does not conduct any transactions with the Bank for 6 consecutive months.