A. DEFINITION

sky by blu is a mobile application/electronic banking service provided by PT BANK DIGITAL BCA ("BCA DIGITAL") that customers can download from official application/software distribution channels designated by BCADIGITAL. sky by blu can be accessed directly by customers via their gadgets.

A PIN (Personal Identification Number) is a personal identification number for customers using sky by blu. Customers can use this PIN to conduct financial transactions on sky by blu.

Face Recognition is a verification method that uses a facial capture of the customer as a multi-level protection when making financial transactions on blu.

A password is a combination of letters and numbers (alphanumeric) created by the customer when opening a blu account and used as a security code to access blu.

A Transaction Code is a code generated by blu for cardless cash withdrawals at PT Bank Central Asia, Tbk ("BCA") ATMs.

SMS (Short Message Service) is a short message delivery service in the form of text and/or numbers that can be received and/or sent via mobile phone.

OTP (One Time Password) is a code received by a customer as a means of verifying their identity via SMS to the mobile phone number used during registration, login, and changing mobile phone numbers. The OTP is only valid once within a certain period.

Cellular Operators are companies that provide cellular telephone network services.

Customers are individual account holders in the form of savings accounts at BCA DIGITAL.

Fingerprint (One Touch) or Face ID login is a method that customers can use using gadgets equipped with biometric scanners to access blu.

A Quick Response Code, or QR Code, is a two-dimensional code consisting of three rectangular patterns in the lower left, upper left, and upper right corners. It has a black module consisting of square dots or pixels. It can store alphanumeric data, characters, and symbols.

A QR Code for Payment, or Payment QR Code, is a QR Code used to facilitate contactless payment transactions through scanning.

The National Standard for Payment QR Codes (Quick Response Code Indonesian Standard), or QRIS, is a QR Code Payment standard established by Bank Indonesia for use in facilitating payment transactions in the Republic of Indonesia.

QRIS Transactions are payment transactions facilitated by Payment QR Codes based on QRIS.

bluAccount is a primary savings account that customers can open independently through the blu application, after obtaining approval from BCA DIGITAL.

bluSaving is a supplementary savings account where customers can transfer funds to and from the primary account for specific purposes and without being bound by a specific time period.

bluGether is a supplementary savings account where customers can transfer funds to and from the primary account. Customers can invite other customers with bluAccount accounts to deposit funds and/or monitor transactions on their bluGether account. The maximum number of customers on a single bluGether account is 25 (twenty-five), including the bluGether account holder.

bluDeposit is a time deposit product whose withdrawals can only be made at specific times, as agreed between the customer and BCA DIGITAL.

Dormant is a condition where a customer's savings account has no transaction activity (excluding interest credits, interest tax debits, stamp duty, and fees) for 6 (six) consecutive months or for a specific period determined by BCA DIGITAL from time to time, which will be notified by BCA DIGITAL in the form and through the media/means available at BCA DIGITAL in accordance with applicable laws.

B. GENERAL PROVISIONS

sky by blu is a mobile application/electronic banking service provided by PT BANK DIGITAL BCA ("BCA DIGITAL") that customers can download from official application/software distribution channels designated by BCADIGITAL. sky by blu can be accessed directly by customers via their gadgets.

A PIN (Personal Identification Number) is a personal identification number for customers using blu. Customers can use a PIN to conduct financial transactions on blu.

Face Recognition is a verification method that uses a facial capture of the customer as a multi-level protection when customers conduct financial transactions on blu.

A password is a combination of letters and numbers (alphanumeric) created by the customer when opening a blu account and used as a security code to access blu.

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A Transaction Code is a code generated by blu for cardless cash withdrawals at PT Bank Central Asia, Tbk ("BCA") ATMs.

SMS (Short Message Service) is a short message delivery service in the form of text and/or numbers that can be received and/or sent via mobile phone.

OTP (One Time Password) is a code received by a customer as a means of verifying their identity via SMS to the mobile phone number used during registration, login, and changing mobile phone numbers. The OTP is only valid once within a certain period.

Cellular Operator is a company that provides cellular telephone network services.

Customer is an individual account holder in the form of a savings account at BCA DIGITAL.

Fingerprint (One Touch) or Face ID login is a method that customers can use using a gadget equipped with a biometric scanner to access blu.

A Quick Response Code, or QR Code, is a two-dimensional code consisting of three rectangular patterns in the lower left, upper left, and upper right corners. It has a black module in the form of a square or pixel, and can store alphanumeric data, characters, and symbols.

A QR Code for Payment, or Payment QR Code, is a QR Code used to facilitate contactless payment transactions through scanning.

A National Standard for Payment QR Codes (Quick Response Code Indonesian Standard), or QRIS, is a QR Code Payment standard established by Bank Indonesia for use in facilitating payment transactions in the Republic of Indonesia.

A QRIS Transaction is a payment transaction facilitated by a Payment QR Code based on QRIS.

A bluAccount is a primary savings account that customers can open independently through the blu application, after obtaining approval from BCA DIGITAL.

A bluSaving is a supplementary savings account where customers can transfer funds to and from the primary account for specific purposes and without being tied to a specific time period.

A bluGether is a supplementary savings account where customers can transfer funds to and from the primary account. Customers can invite other customers with bluAccount accounts to deposit funds and/or monitor transactions on their bluGether accounts. The maximum number of customers on a single bluGether account is 25 (twenty-five), including the bluGether account holder.

bluDeposit is a time deposit product whose withdrawals can only be made at specific times, as agreed between the customer and BCA DIGITAL.

Dormant

Dormant is a condition where a customer's savings account has no transaction activity (excluding interest credits, interest tax debits, stamp duty, and fees) for 6 (six) consecutive months or for a specific period determined by BCA DIGITAL from time to time, which will be notified by BCA DIGITAL in the form and through the media/means available at BCA DIGITAL in accordance with applicable laws.