<p>&nbsp;</p><p>In implementing the Whistleblowing System, PT Bank Neo Commerce, Tbk. is committed to applying the following principles:</p><ol><li><strong>Confidentiality&nbsp;</strong>The reporting and handling of alleged violations are carried out through confidential mechanisms and are not disclosed to unauthorized parties. The confidentiality of the Reporter&rsquo;s identity is guaranteed, provided that the Reporter does not disclose the report independently.</li><li><strong>General Applicability&nbsp;</strong>Reporting is mandatory for all parties who are aware of any indication of violations occurring within the BNC environment.</li><li><strong>Responsibility&nbsp;</strong>Reports of alleged violations must be submitted responsibly, in accordance with applicable regulations, and prioritized for the best interests of BNC.</li><li><strong>Independence&nbsp;</strong>The Whistleblowing System is managed professionally, without influence or pressure from any party.</li><li><strong>Anti-Retaliation&nbsp;</strong>Protecting Reporters from retaliation and prohibiting any retaliatory actions against submitted reports. The Company guarantees that every Reporter will receive comprehensive protection, including confidentiality of identity, fair treatment, and protected against discrimination, pressure, and retaliation in any form.</li></ol><p>These principles apply to all parties who, in good faith, report violations through the Whistleblowing System.</p>