The Benefit

1. Offers competitive interest rates.
2. Saving book is provided.
3. Customer can join Bank Mestika Gempita lottery program which is held once in 6 months.
4. Savings with the average balance of Rp 1,000,000,- are entitled to 1 (one) ticket number.
5. Savings with the average balance of Rp 500,000,000,- per month are entitled to participate in a grand prize draw.
6. The ATM card is provided.
7. Customer can do transaction by using ATM, Internet Banking and Mobile Banking facility.
8. Customer can do transaction at the whole Bank Mestika Offices.
9. Auto debit is available for PDAM Tirtanadi bills, electricity bills and phone bills. (XL, Telkom and Indihome, Telkomsel Halo, and Indosat Ooredoo)
10. Overdraft Safe Guard (OD Safe Guard) and Sweep are available.
11. Is able to be used as collateral.

Term and Conditions:

1. The client is an individual.
2. The client shall present a valid original identity card (resident identification card/KTP, driving license, temporary work permit/KITAS or permanent work permit/KITAP.
3. The client shall present the taxpayer registration number (KPWP).
4. The client shall sign an adequately stamped declaration letter for those without NPWP.
5. The client shall complete an Account Opening Form and Personal Data Form.
6. The client shall have a minimum beginning balance of RP 100,000,-.
7. The client shall have a minimum balance of Rp 25,000,-.
8. The client shall have a minimum balance of Rp 1,000,000,- for OD Safe Guard and Sweep.
9. Account opening can only be done before the bank customer service officer.
10. The client shall show the original savings book and ID card during withdrawals.
11. Withdrawals by non-client shall be accompanied by the power of attorney with sufficient stamps.
12. Fund withdrawals can be done anytime during business hours.
13. The interest rates are calculated at the end of the month and credited to the savings account at the beginning of the following month.
14. Tax on interest shall be imposed in accordance with the prevailing regulations.
15. Transactions which are not printed onto the savings book for 3 (three) consecutive months shall be cumulated into 1 (one) debit/credit transaction.
16. In case of discrepancies between the balance in the savings book and in the bank’s bookkeeping, the balance shall refer to that in the bank’s bookkeeping.
17. If the client passes away, the release of the savings by the heir shall conform to the prevailing laws.

Product Risk

1. In case of the loss of the savings book:
   • The client shall close the account at the bank where the opening has been done;
   • The client shall sign a loss declaration with sufficient stamps;
   • The client shall open a new account if necessary.
2. The account is automatically closed if the balance is “0”.
3. The bank has the rights to block a bank account anytime based on its discretion considering any inappropriate use of the account.
4. The account balance shall be deducted if the interest is unable to cover the administration fee.
5. The savings account becomes dormant if the client has not made any transactions for 6 (six) consecutive months and the client shall reactivate the account at the office where the opening has been done.

Any changes in the terms and conditions and/or costs associated with the product shall be informed by the bank via electronic media and/or announcement and/or registered mail and/or courier (expedition) and/or directly via telephone. Notice sent via registered mail or courier (expedition) is considered to have been received by the client 7 (seven) days after dispatch. Complaints concerning products Any complaints from the clients can be made face-to-face, via letter and call center not including complaints on the mass media. Complaints shall be made by completing the Complaint Form consisting of information about:

• name of client
• bank account number
• description of complaints
• name and signature of the officer in charge of complaints

Fees

1. Monthly administration fee is Rp. 5.000, - per month
2. Monthly administration fee (dormant)is Rp. 10.000, - per month ( the average monthly balance less than Rp. 500,000,- )
3. Autodebit fee is Rp. 2.200 per monthly billing
4. OD Safe Guard / Sweep fee is Rp. 1.000,- per transaction
5. Cumulative transaction printout Rp. 5.000, - per page
6. Account closing fee is Rp. 20.000, -

For more information call us MestikaCall 14083 or visit our nearest branch.