No

Items

Terms and Conditions until 18 June 2025

Terms and Conditions, start from 19 June 2025

1.

Article 3, Paragraph 1
Customer Transactions

The Customer hereby grants authority and power to Pegadaian to carry out the Customer's transactions, including but not limited to:

1. Gold Savings Purchase Transaction
   In this transaction, the Customer authorizes Pegadaian to transfer the purchase funds to Galeri 24.
2. Gold Savings Sale Transaction
   In this transaction, the Customer authorizes Pegadaian to transfer the gold balance to Galeri 24.

The Customer hereby grants authority and power to Pegadaian in the form of confirmation of agreement to the Terms and Conditions to carry out the Customer’s transactions, including but not limited to:

1. Gold Savings Purchase Transaction
   In this transaction, the Customer authorizes Pegadaian to transfer the gold purchase funds to Galeri 24.
2. Gold Savings Sale Transaction
   In this transaction, the Customer authorizes Pegadaian to transfer the gold balance to Galeri 24.

2.

Article 3, Paragraph 3
Customer Transactions

Pegadaian reserves the right at any time to refrain from executing the Customer’s transaction until confirmation is received from the Customer as referred to in paragraph (1) of this Article;

Pegadaian reserves the right at any time to refrain from executing the Customer’s transaction until confirmation is received from the Customer as referred to in paragraph (2) of this Article.

3.

Article 3, Paragraph 6
Customer Transactions

The Customer does not have the right to cancel or modify the transaction once the process has begun.

The Customer may not cancel or modify the transaction once the process has begun, and proof of the transaction currently in progress is evidenced by the transaction history within the M2U ID App.

4.

Article 4, Paragraph 2
Safekeeping Facility

1. The customer agrees to store their physical gold acquired from gold savings purchases with Pegadaian until the Customer sell the gold balance and close their account based on Pegadaian’s terms.
2. In relation to this gold deposit facility, the customer agrees to be charged the applicable Gold Storage Fee as determined by Pegadaian.
3. For gold safekeeping facility referred to in paragraph (1) of this Article, Pegadaian does not provide any profitable returns to the Customer.

1. The customer agrees to store their physical gold acquired from gold savings purchases with Pegadaian until the Customer sell the gold balance and close their account based on Pegadaian’s terms.
2. For this gold safekeeping facility, the customer agrees to be charged the Gold Custody Fee, as outlined in the Product and Service Information Summary of the applicable Pegadaian Gold Savings.
3. For gold safekeeping facility referred to in paragraph (1) of this Article, Pegadaian does not provide any profitable returns to the Customer.

5.

Article 7, Paragraph 4
Fees

1. The customer is obliged to pay fees that are charged upon their gold savings transactions, such as:
   1. Fee of Printing Pegadaian Statement
   2. Fee for Pegadaian Passbook Replacement due to a lost or damaged passbook;
   3. Fee for Closing Account;
   4. Fee for Gold Savings Safekeeping.
2. The amount of fees referred to in paragraph (1) in this Article includes the Value-Added Tax (VAT);
3. Provisions regarding the amount of transaction fees charged to the Customer may change at any time and are fully determined by Pegadaian, including the waiver of fees referred to in paragraph (1) of this Article.

1. The customer is obliged to pay fees that are charged upon their gold savings transactions, such as:
   1. Fee of Printing Pegadaian Statement
   2. Fee for Pegadaian Passbook Replacement due to a lost or damaged passbook;
   3. Fee for Closing Account;
   4. Fee for Gold Savings Safekeeping.
2. The amount of fees referred to in paragraph (1) in this Article includes the Value-Added Tax (VAT);
3. Provisions regarding the amount of transaction fees charged to the Customer may change at any time and are fully determined by Pegadaian, including the waiver of fees referred to in paragraph (1) of this Article.
4. Fees related to Pegadaian Gold Savings are based on the applicable Product and Service Information Summary (RIPLAY) for Pegadaian Gold Savings.

6.

Article 9, Paragraph 7
Replacement of Gold Savings Passbook, Account Blocking, and Account Closure

Not Yet Regulated

The Pegadaian Gold Savings account may also be closed automatically by the Pegadaian system if, after the deduction of the Gold Safekeeping Fee, the Customer’s Gold Savings balance becomes negative and insufficient to cover the Gold Safekeeping Fee. The Customer will be notified when Pegadaian has debited the Gold Safekeeping Fee from the Gold Savings balance. If the Customer wishes to resume Gold Savings transactions, they may open a new Gold Savings account with a new account number. If the gold balance, after deducting the Gold Safekeeping Fee, reaches zero (without going negative), the Customer’s Gold Savings account will remain active.

No

Items

RIPLAY of Pegadaian Gold Savings until 18 June 2025

RIPLAY, start from 19 June 2025

Risk Point 5

There is an activity involving the sharing of Customer data with Pegadaian for the purposes of registration and gold transactions, which may entail the risk of Customer data being used by Pegadaian.

There is an activity involving the sharing of Customer data with Pegadaian for the purposes of registration and gold transactions, which may present a risk of the Customer data being used by Pegadaian, limited solely to the transaction processes of the Pegadaian Gold Savings product.

Risk Point 6

There is a possibility of changes/updates/addition to the terms and conditions and/or RIPLAY for gold Savings transactions. Pegadaian through Maybank will inform the Customer within 30 working days before the change/renewal/addition of these terms and conditions takes effect through push notification and inbox on M2U ID App (mobile banking).

There may be changes, updates, or additions to the terms and conditions and/or the RIPLAY of Pegadaian Gold Savings. Pegadaian, through Maybank, will notify Customers 30 (thirty) business days prior to the effective date of such changes, updates, or additions to the terms and conditions, via push notification and inbox messages in the M2U ID App (mobile banking).

Exceptions to this provision apply to fees and transaction limits for Pegadaian Gold Savings, which may change at any time in accordance with Pegadaian’s prevailing policies without prior notice to the Customer. Customers are advised to regularly check the applicable fees for Pegadaian Gold Savings before making any transactions.

The policy regarding changes in fees related to Pegadaian Gold Savings is a policy of PT Pegadaian and is not part of the policy of Maybank Indonesia.For the most updated information on fees and transactions, please visit Pegadaian’s website at https://www.pegadaian.co.id/produk/tabungan-emas

Risk Point 9

Inactive Pegadaian Gold Savings accounts (due to the Customer’s gold balance being insufficient to cover the annual safekeeping fee) cannot be reactivated. To resume gold transactions, the Customer must open a new Pegadaian Gold Savings account through the M2U ID App (mobile banking).

Inactive Pegadaian Gold Savings accounts (due to the Customer’s gold balance being insufficient to cover the annual safekeeping fee) cannot be reactivated. To resume gold transactions, the Customer must open a new Pegadaian Gold Savings account through the M2U ID App (mobile banking). Inactive Customer account data is classified as data that must be destroyed and may not be used as a database by either Pegadaian for the purpose of opening gold savings accounts or other products.

Fees of Gold Savings Transactions

Can change at any time

The fees associated with Pegadaian's Gold Savings may change at any time in accordance with Pegadaian's policies, without prior notice to Customers.

Gold Pickup Fee

Gold pickup fee will be charged to Customer depending on the gram weight to be picked up. This fee will be debited from source of fund selected by the Customer.

Gold pickup fee will be charged to Customer depending on the gram weight to be picked up. This fee will be debited from source of fund selected by the Customer.

Terms and Conditions for Changes to Gold Transaction Limits

Not yet regulated

The transaction limits related to Pegadaian's Gold Savings may be changed at any time in accordance with Pegadaian's policies, without prior notice to Customers.

Simulation of Gold Safekeeping Fees in the Event of Insufficient Customer Gold Balance

Simulation of gold safekeeping fee and Pegadaian Gold Savings closing due to insufficient gold balance

• Gold safekeeping fee is IDR30,000 (equivalent to gold selling price)
• Total Customer’s gold balance is IDR15.000 or equivalent to 0,02 gram
• Gold selling price IDR940,000/gram
• Gold safekeeping fee based on current gold selling price = IDR30,000/IDR940,000 = 0,03 grams
• Available gold balance (in gram) = 0,02 grams – 0,03 grams = - 0,01 grams
• Due to insufficient gold balance after gold safekeeping fee deduction, the system will automatically close the Pegadaian Gold Savings.

Simulation of gold safekeeping fee and Pegadaian Gold Savings closing due to insufficient gold balance

• Gold safekeeping fee is IDR30,000 (equivalent to gold selling price)
• Total Customer’s gold balance is IDR15.000 or equivalent to 0,02 gram
• Gold selling price IDR940,000/gram
• Gold safekeeping fee based on current gold selling price = IDR30,000/IDR940,000 = 0,03 grams
• Available gold balance (in gram) = 0,02 grams – 0,03 grams = - 0,01 grams
• Due to insufficient gold balance after gold safekeeping fee deduction, the system will automatically close the Pegadaian Gold Savings. If the gold balance, after deducting the safekeeping fee, reaches zero (without going negative), the customer's Gold Savings account will remain active.