General Terms and Conditions of the 2026 Financial Inclusion Month (BIK) Program - Administration Fee Discount (the “Program”) constitute the terms and conditions governing the provision of a benefit in the form of an administration fee discount to prospective Debtors who submit financing applications through the Denpasar Branch Office of PT Buana Finance Tbk. (“Buana Finance” or the “Company”).

Any individual or business entity participating in this Program shall be deemed to have read, understood, and agreed to all applicable terms and conditions as set forth below.

I. PROGRAM PERIOD

The Program applies to financing applications approved by Buana Finance through the Denpasar Branch Office during the period from 1 October 2026 to 31 October 2026 (the “Program Period”).

II. PROGRAM PARTICIPANT CRITERIA

This Program is applicable to prospective Debtors who submit financing applications through the Denpasar Branch Office, subject to the following conditions:

1. Submit a multipurpose financing application through the Denpasar Branch Office during the Program Period.

2. The financing application must fulfill the applicable financing requirements and terms and conditions of Buana Finance.

3. The financing application must be approved by the Denpasar Branch Office during the Program Period.

4. Prospective Debtors may be individuals or business entities, provided that they fulfill the financing requirements stipulated by Buana Finance.

5. The Program only applies to financing applications that fulfill the Program requirements and does not apply to applications that are not approved by Buana Finance.

III. GENERAL TERMS AND CONDITIONS OF THE PROGRAM

1. Participants are required to read and understand all General Terms and Conditions of the Program. By participating in the Program, Participants are deemed to have agreed to all Terms and Conditions of the Program.

2. Financing approval remains subject to the eligibility assessment, policies, procedures, and financing terms and conditions applicable at Buana Finance.

3. Participation in the Program does not guarantee that a Participant’s financing application will be approved by Buana Finance.

4. Buana Finance reserves the right to verify the Participant’s data and documents for the purpose of implementing the Program.

5. Buana Finance reserves the right to reject or cancel the provision of Program benefits if the Participant fails to fulfill the Terms and Conditions of the Program and/or if there are indications of misuse, fraud, fraudulent conduct, data manipulation, or violations of applicable regulations.

6. The financing tenor may be granted for up to 5 (five) years, subject to the results of the assessment, approval, and financing terms and conditions applicable at Buana Finance.

7. Disbursement may be provided up to 85% (eighty-five percent) of the vehicle value, subject to the appraisal results, assessment, approval, and financing terms and conditions applicable at Buana Finance.

8. The complimentary protection facilities provided is Roadside Assistance subject to the respective terms, conditions, and scope of benefits of the facility.

9. Engine & Transmission Warranty, Personal Accident and Motor Vehicle Insurance are optional additional protection facilities and are subject to charges in accordance with the Participant/Debtor’s selection and the applicable terms and conditions of Buana Finance.

IV. PROGRAM BENEFITS

Participants who fulfill all Terms and Conditions of the Program are entitled to receive the following benefit:

A discount on the administration fee of IDR 500,000 (five hundred thousand Rupiah) for each multipurpose financing application approved by the Denpasar Branch Office during the Program Period.

V. TERMS AND CONDITIONS FOR THE ADMINISTRATION FEE DISCOUNT

1. An administration fee discount of IDR 500,000 (five hundred thousand Rupiah) will be granted for each multipurpose financing application that fulfills the Terms and Conditions of the Program.

2. The discount will be applied by reducing the administration fee payable by the Participant/Debtor in accordance with the applicable financing terms and conditions of Buana Finance. The discount does not constitute a reduction of the financing principal, interest/margin, installment amount, or any other fees.

3. The discount cannot be converted into cash, exchanged for other benefits, transferred, and/or assigned to another party.

4. The discount is applicable only in accordance with the Program terms and does not reduce or modify any other payment obligations arising under the financing agreement, including but not limited to installments, interest/margin, insurance premiums, provision fees, if applicable, penalties, and other fees in accordance with the applicable financing terms and conditions.

5. The discount will be provided in accordance with the administrative mechanism and system applicable at Buana Finance.

VI. PROGRAM MECHANISM

1. Participants who fulfill the Program criteria will automatically be registered as Program Participants and no separate registration is required, provided that the financing application fulfills the Terms and Conditions of the Program.

2. Buana Finance will verify the financing application data and status to ensure compliance with the Terms and Conditions of the Program.

3. The administration fee discount will be provided after the financing application has been confirmed to fulfill the Program requirements and in accordance with Buana Finance’s financing mechanism.

4. Information regarding the Program will be communicated through Buana Finance’s official communication channels and/or other communication media used to promote the Program.

5. Participants may obtain further information regarding the Program through the Denpasar Branch Office.

VII. PROGRAM RISKS

1. Participants may not receive the Program benefits if their financing application is not approved or does not fulfill the Terms and Conditions of the Program.

2. Participants may lose their entitlement to the Program benefits in the event of cancellation of the financing application/financing facility and/or other circumstances that result in the Participant no longer fulfilling the Terms and Conditions of the Program, based on the results of Buana Finance’s verification.

3. This Program does not amend the provisions regarding financing approval, financing amount, tenor, installment amount, interest/margin, or any other obligations set forth in the financing documents.

VIII. PROGRAM FEES

No additional fees will be charged to Participants for participating in the Program.

Any other fees and obligations arising in connection with the financing facility shall remain subject to the applicable financing terms and conditions and financing agreement.

IX. PARTICIPANT COMPLAINTS

1. Participants may submit questions and/or complaints regarding the Program, as well as Buana Finance’s financing products and services, through Buana Finance’s official complaint handling channels.

2. Information regarding the complaint handling channels and procedures is available on Buana Finance’s official website under the Contact Us page: Buana Finance – Complaint Handling.

3. The submission of a complaint does not release the Participant/Debtor from their obligation to fulfill payment obligations under the agreed financing agreement, unless otherwise provided under applicable regulations.

X. PROGRAM AMENDMENTS

1. Buana Finance may amend the Terms and Conditions of the Program when necessary, provided that such amendments are made in accordance with applicable laws and regulations.

2. Any amendments that affect the Program benefits, risks, fees, requirements, and/or terms and conditions will be communicated through Buana Finance’s official communication channels in accordance with applicable regulations.

3. In the event of any Program amendment that affects Participants, its implementation will take into consideration the rights and interests of Participants in accordance with applicable laws and regulations.

XI. OTHER PROVISIONS

1. Participants are responsible for the accuracy and validity of the data and/or documents submitted to Buana Finance in connection with participation in the Program.

2. Participants represent that their financing application and participation in the Program are not conducted for any purpose that violates applicable laws and regulations.

3. In the event of any discrepancy between the Program information and the provisions contained in the financing documents, the rights and obligations of the Participant/Debtor in relation to the financing facility shall be governed by the financing documents and applicable laws and regulations.

4. These Terms and Conditions of the Program constitute an integral part of the Program communication materials issued by Buana Finance.

5. Matters not specifically regulated in these Terms and Conditions of the Program shall be subject to Buana Finance’s policies and applicable laws and regulations.

6. By participating in the Program, Participants consent to Buana Finance’s processing of their data to the extent necessary for the implementation of the Program and in accordance with applicable personal data protection laws and regulations.

7. Buana Finance is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK).

XII. WARNING

Participants are advised to exercise caution regarding any form of fraud or fraudulent activity carried out in the name of Buana Finance that offers benefits, prizes, discounts, or other advantages outside the official terms of the Program.

Buana Finance shall not be responsible for any actions of other parties who represent themselves as Buana Finance and/or the Program without official authorization.

Participants are advised to obtain information regarding the Program only through Buana Finance’s official communication channels.

The 2026 Financial Inclusion Month (BIK) Program is one of the forms of participation by PT Buana Finance Tbk. in supporting the implementation of the 2026 Financial Inclusion Month.