Save & Invest with Top Up Nyala Payroll Program

Save & Invest with Top Up Nyala Payroll Program to get Cash Reward up to IDR600.000 or 35.000 Poinseru

Transfer IDR10.777 or IDR10.888 in to your OCBC Account to register for the program

Program Scheme: AUM/Balance Increment & Product Placement

Note:

1. The min. tenor for Deposit & Tanda Hadiah is 6 months and the min. tenor for TAKA is 1 year
2. Mutual fund except for Money Market Mutual Fund
3. Customers who open at least 1 (one) new product, do not need to maintain the increase in AUM/Balance
4. Product Option including Syariah Product with reward term and condition referring to point 5d

Description:

• The Top Up Nyala Program is a saving and investment program that can be followed by existing Nyala Customers.
• New Products are OCBC Products that have not been owned by the Customer since December 31, 2025.
• AUM/Balance is the Customer's Total Combined Balance which includes Savings, TAKA, TANDA, Gold Savings, Deposits, Mutual Funds, Bonds and Bancassurance products.

Terms and Condition Top Up Nyala Program

1. The Top Up Nyala Payroll Program 2026 ("Program") is valid from tanggal 1 March - 31 May 2026 ("Program Period").
2. At the time of Program Application, the Customer must have joined Nyala Payroll
3. The program is valid only for Customers who join OCBC at least 3 (three) months before the Program Period.
   Example: Customers who join OCBC in December 2025, can join the program in March 2026.
4. Terms of program registration
   • There must be at least 1 (one) transfer transaction to the OCBC account owned by the Customer (either from other banks or fellow OCBC bank) with transfer nominal as follows:
     • IDR10.777 – Join the Program with Cash Rewards
     • IDR10.888 – Join the Program with Poinseru
     Example: Customer/other party makes a transfer to the Customer's OCBC account with a nominal amount of Rp10.777, then Customer is entitled to participate in the Program with the choice of Cash Reward Prize.
   • The Customer is entitled to participate in the Program within the same month of transfer transaction to the OCBC account with required transfer nominal as mentioned in point (a)
   • If there are 2 transfers with 2 different unique numbers as mentioned in point (a), then the Customer will be registered to the Cash Reward option.
     For example: there is a transfer to the Customer's OCBC account with a nominal amount of IDR10.777 and IDR10.888, then Customer is only entitled to participate in the Program with Cash Reward.
   • Syariah Customers only eligible for Poinseru option.
5. The Product Placements that the Customer can choose to participate in the Program are as follows:
   • Tanda Hadiah
   • TAKA Hadiah & TAKA Flexi
   • Deposit
   • Gold Savings
   • Mutual Fund except for the Money Market Mutual Fund
   • Primary Market and Secondary Market Bonds
   • Bancassurance
   • RDN/Customer Fund Account (only for New Product opening)
   • Young Nyala (only for New Product opening)
   • Credit Card (only for New Product opening)
   *) Include Syariah product option: Deposito iB, Tanda iB Multicurrency, Program Hold Tanda iB Multicurrency, TAKA iB, TAKA iB Flexi, TAKA iB Plus and others syariah investment
6. Terms of Product Placement
   • Customers can place their preferred Products according to the applicable Program Scheme, either through OCBC mobile or OCBC branches.
   • For the placement of Deposit Products and Tanda Hadiah, the minimum tenor that must be chosen is 6 (six) months.
   • For TAKA Hadiah and Taka Flexi Products, the minimum tenor is 1 (one) year. The placement amount that is taken into account for the determination of the prize tiering for TAKA Hadiah is based on the target fund. Meanwhile, for TAKA Flexi, the prize tiering is calculated from the TAKA Flexi monthly installments and top-ups to the TAKA Flexi account within program period.
     Example: The customer opens a TAKA flexi product with monthly installment of 5 million and tops up 10 million to TAKA flexi in the second month, then the customer is eligible for a tiering prize of 25 million.
   • In RDN/Customer Fund Account New Products and Young Nyala New Products, Prize tiering is only calculated in the month of opening a new product based on the month-end balance during the program period at the Customer's Account.
   • Placement in the Gold Savings product will be calculated based on the month-end balance during the program period
   • The placement of the product can be done in stages. The calculation of the Prize will be based on the accumulation of placement during the program period.
7. Terms of Application of New Credit Card Product
   • Customers who are entitled to participate in this scheme are Customers who have never had a Credit Card before, apply, and activate it within 2 months after the end of program.
     Example: The customer registers to the program in March 2026, then the deadline to apply and activate a credit card is July 31^st, 2026
   • Rewards for Credit Card New Product Submissions will only be awarded in the form of Poinseru.
8. Terms of AUM Increase
   • The AUM increase that is considered is the AUM increment happening at 31^st of May 2026 when compared to the 28^th February 2026.
   • If the Customer meets point (a), the Reward tiering calculation will be calculated based on the lowest value between the AUM Increase and the amount of Product Placement.
   • Customers who open at least 1 (one) new product, do not need to maintain the increase in AUM.
9. Illustration of the Program Scheme

   Case Examples (in IDR)	Product Placement (in IDR)		Eligible	Reward
   	Non New Products	New Products
   There is 1 (one) Rp10.777 transfer transaction to the OCBC account owned by the Customer & AUM Increase of 50 Million	-) Deposit 30 million -) Gold Savings 20 million		Yes	Cash Reward for 50 million Tiering
   There is 1 (one) ) Rp10.888 transfer transaction to the OCBC account owned by the Customer & AUM Increase of 25 Million	-) TAKA Hadiah 100 million -) 20 million Gold Savings		Yes	Poinseru for 25 million Tiering
   There is 1 (one) ) Rp10.888 transfer transaction to the OCBC account owned by the Customer & no increase in AUM	-) Mutual funds 10 million -) 15 million Poinseru		No
   There is 1 (one) Rp10.888 transfer transaction to the OCBC account owned by the Customer & no AUM increase	-) Deposit 20 million -) Gold Savings 20 million	10 million bonds	Yes	Poinseru for 50 million Tiering
   There is no transfer transaction equal to the amount required for registration to the OCBC account owned by the Customer & AUM Increase of 25 Million		Bancassurance 25 million	No

10. Product Placement Prizes are not valid for multiples with the maximum program prize being IDR600,000 or 35,000 Poinseru per program.
11. The Credit Card New Product Opening Prize is not valid for multiples with a maximum Prize of 2,500 Poinseru per Program Period.
12. Customers will receive the Product Placement Prize no later than June 30^th, 2026.
13. Customers will receive Credit Card New Product Opening Poinseru Prize no later than August 31^st, 2026.
14. This program cannot be combined with the Nyala Acquisition Program, Reactivation Program or Top Up Nyala with monthly basis period.
15. The account must be active and not blocked for any reason when the reward is credited by OCBC.
16. OCBC has the right not to process/cancel the provision of rewards to the Customer if, based on OCBC's assessment, it is indicated that there is fraud in the opening of the product and/or is included in the OCBC fraud list.
17. For further information, please contact Tanya OCBC at 1500-999 /+621-21-2503600 (from overseas); email tanya@ocbc.id or on https://www.ocbc.id/id/hubungi-kami website.
18. OCBC has the right and authority to amend, add and/or reduce the Terms and Conditions of this program with prior notice through the media deemed good by OCBC by taking into account the provisions and regulations of applicable laws and regulations.
19. The Terms and Conditions of this Program have been adjusted to the provisions of laws and regulations including the provisions of the applicable Financial Services Authority regulations.
20. In the event that these Program Terms and Conditions are translated into other languages, if there is a discrepancy or conflict between the Indonesian text and the foreign language, then the Indonesian text will prevail.
21. PT Bank OCBC NISP Tbk is licensed and supervised by the Financial Services Authority & Bank Indonesia, and is a participant in the LPS guarantee.