BENEFITS

• Competitive interest rates (equivalent to the General Bank LPS rate), higher than other time-based savings products

• No monthly administrative fees

• Low account closure fee

• Easy and secure transactions

• Monthly top-ups can be made anytime

• Open your savings account without visiting the bank—simply via the LestariMobile App

SCHEME

• Minimum initial deposit: IDR 100,000

• Monthly deposits starting from IDR 100,000

• Savings terms from 1 to 10 years

• No administrative fees

Account Closure Policy:

• If your Sikaya Online Savings account matures on a holiday (including weekends, national holidays, or collective leave days), you may close the account manually via LestariMobile without incurring any fees.

• The balance in your Sikaya Savings will remain in your Sikaya account until you issue a withdrawal instruction. Funds will then be transferred to your transactional savings account.

• If your Sikaya Online Savings account has matured, the accumulated funds will remain in the Sikaya account with no automatic debits or term renewals. Interest will continue to accrue as long as the funds are not withdrawn.

• Early closure before maturity will incur a fee of IDR 50,000.

• You may close your Sikaya Savings via the LestariMobile App or by visiting the nearest Bank Lestari Bali (BPR) branch. There are no closure fees for matured Sikaya Savings.

• Sikaya Savings accounts with 6 missed monthly deposits will not be automatically closed. Customers may continue their savings by making the next deposit.