<div><big>The reports that can be submitted through LTC are as follows:</big></div><div>&nbsp;</div><div><big>1.&nbsp;&nbsp; &nbsp;Fraud, which consists of:<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; a.&nbsp;&nbsp; &nbsp;Foul act<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; b.&nbsp;&nbsp; &nbsp;Deception.<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; c.&nbsp;&nbsp; &nbsp;Asset Embezzlement<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; d.&nbsp;&nbsp; &nbsp;Information Leaks<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; e.&nbsp;&nbsp; &nbsp;Banking Crime<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; f.&nbsp;&nbsp; &nbsp;Other actions that can be equated with fraud in accordance with law provisions</big></div><div>&nbsp;</div><div><big>2.&nbsp;&nbsp; &nbsp;Non-Fraud, the act of violating external and internal provisions, including violations of norms and ethics (code of conduct). Examples include:<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; a.&nbsp;&nbsp; &nbsp;Abuse of authority and/or position<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; b.&nbsp;&nbsp; &nbsp;Actions that can reduce the reputation and / or fair name of the Bank<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; c.&nbsp;&nbsp; &nbsp;Immoral acts inside and outside the Bank<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; d.&nbsp;&nbsp; &nbsp;Harassment<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; e.&nbsp;&nbsp; &nbsp;Drug use<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; f.&nbsp;&nbsp; &nbsp;Engagement in prohibited community activities</big></div><div>&nbsp;</div><div><big>3.&nbsp;&nbsp; &nbsp;Other reports, with examples including:<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; a.&nbsp;&nbsp; &nbsp;Reports related to employment provisions.<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; b.&nbsp;&nbsp; &nbsp;Reports related to customer complaints.<br />
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; c.&nbsp;&nbsp; &nbsp;Input / ideas related to products, services or business process improvements.</big></div>