<div><big>Violation acts that can be reported through LTC consists of :</big></div><div>&nbsp;</div><div><table cellspacing="1" style="width:1000px"><thead></thead><tbody><tr><td style="background-color:#ffb700; border-color:#ffffff; height:29.2pt; text-align:left; vertical-align:middle; width:85pt"><big><strong>&nbsp; &nbsp; Violation</strong></big></td><td style="background-color:#ffb700; border-color:#ffffff; height:29.2pt; text-align:left; vertical-align:middle; width:250px"><big><strong>Types of Violation</strong></big></td><td style="background-color:#ffb700; border-color:#ffffff; height:29.2pt; text-align:left; vertical-align:middle; width:250px"><big><strong>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Example</strong></big></td></tr><tr><td rowspan="5" style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; text-align:left; vertical-align:top; width:85pt"><p>&nbsp;</p><p><big><strong><em>&nbsp; &nbsp; Fraud</em></strong></big></p></td><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:187pt"><p>&nbsp;</p><p><big><strong>Corruption</strong></big></p><p><big>Unlawful acts taken by individual(s) to enrich themselves or another person or a corporation that can harm the Bank&#39;s finances. </big></p><p>&nbsp;</p></td><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:159pt"><p>&nbsp;</p><p>&nbsp;</p><ul><li><big>Receive a bribe</big></li><li><big>Misuse of position </big></li><li><big>Cooperate with parties outside </big><big>the Bank to harm the Bank</big></li><li><big>Extortion</big></li></ul><p>&nbsp;</p></td></tr><tr><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:187pt"><p><big><strong>Fraud</strong></big></p><p><big>Deceiving the Bank, customer or third party and/or falsifying documents, signatures, physical evidence and/or authentic evidence. </big></p><p>&nbsp;</p></td><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:159pt"><p>&nbsp;</p><ul><li><big>Manipulate credit application data</big></li><li><big>Fool customers to perceive a fictitious transaction as an authorized transaction</big></li><li><big>Manipulate Bank&rsquo;s financial data</big></li></ul></td></tr><tr><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:187pt"><p><big><strong>Theft</strong></big></p><p><big>Taking what is not his/her right to obtain personal gain and/or for other parties against the law</big></p><p>&nbsp;</p></td><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:159pt"><p>&nbsp;</p><ul><li><big>Steal Bank&rsquo;s data</big></li><li><big>Steal money from teller desk</big></li><li><big>Hacking Bank&rsquo;s system</big></li></ul><p>&nbsp;</p></td></tr><tr><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:187pt"><p><big><strong>Embezzlement</strong></big></p><p><big>The act of taking property that belongs to other person partially or wholly, where the control over the goods already exists in the perpetrator and takes place legally. </big></p><p>&nbsp;</p></td><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:159pt"><p>&nbsp;</p><ul><li><big>Using Bank&rsquo;s customer funds (lapping)</big></li><li><big>Selling off Bank&rsquo;s office stationery for personal use </big></li><li><big>Utilizing petty cash for personal use</big></li></ul><p>&nbsp;</p></td></tr><tr><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:187pt"><p><big><strong>Forgery</strong> </big></p><p><big>The process of creating or imitating objects, data, information or documents, to made as if they were true in order to cheat or deceive others. </big></p><p>&nbsp;</p><p>&nbsp;</p></td><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:159pt"><p>&nbsp;</p><ul><li><big>Falsify customer data </big></li><li><big>Falsify a certificate </big></li><li><big>Falsify customer documents</big></li><li><big>Forge signatures</big></li></ul><p>&nbsp;</p></td></tr><tr><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; text-align:left; vertical-align:top; width:85pt"><p><big><strong><em>&nbsp; &nbsp; Non Fraud</em></strong></big></p></td><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:187pt"><p><big>Violations of internal and external provisions, including code of conduct.</big></p></td><td style="background-color:#f2f2f2; border-color:#ffffff; height:29.2pt; vertical-align:top; width:159pt"><ul><li><big>Revealing Bank&rsquo;s classified information for personal benefit</big></li><li><big>Insider acts</big></li><li><big>Immoral acts inside and outside the Bank</big></li><li><div><big>Harassment</big></div></li><li><big>Drug use</big></li><li><big>Involvement in prohibited community activities.</big></li></ul><p>&nbsp;</p></td></tr></tbody></table></div>