<p>&nbsp;</p><p>Reporting that can be submitted through WBS-LTC is as follows:</p><ol><li>Fraud,&nbsp;which consists of:<ul><li><strong>Corruption</strong> is an act with the intention of benefiting a party, either alone or jointly with another party, unlawfully by abusing its influence in a business transaction or abuse of its position or authority that can benefit or harm the Bank, customers, or other parties either directly or indirectly, including:&nbsp;<ul><li>Conflict of interest that is detrimental to the Bank and/or customers</li><li>Bribery</li><li>Illegal acceptance, and/or&nbsp;</li><li>Extortion</li></ul></li><li><strong>Asset Misuse</strong> is an act with the intention of benefiting oneself and/or others against law by misusing the assets of the Bank and/or the assests managed and/or controlled &nbsp;byother parties, without going through the procedures applicable at the Bank and/or other parties that cause losses or potential losses to the Bank and/or other parties, including:<ul><li>Misuse of cash</li><li>Misuse of supplies and/or</li><li>Misuse of other assets</li></ul></li><li><strong>Fraud in financial statements</strong> is a willful misrepresentation or omission in the amount or disclosure in the financial statements (including&nbsp;<em>off balance sheet</em>) that is not in accordance with generally accepted accounting practices and is designed to benefit the fraudster or harm the consumer, the Bank and/or any other party, including:<ul><li>Excess net worth and/or net income; or</li><li>Reduce net worth and/or net income</li></ul></li><li><strong>Deceit </strong>is an act by a party, either alone or with another party that intends to benefit or avoid losses unlawfully by manipulating, deceiving or giving a pseudo-image, misleading, committing deception or lies related to the Bank&#39;s products and/or services, trading activities or transactions, market conditions and/or prices, whether directly or indirectly, which are detrimental or not detrimental to customers,&nbsp; Banks and/or other parties.&nbsp;</li><li><strong>Leakage of confidential information</strong> is an act with the intention of benefiting a party, either alone or together with other parties, unlawfully by disseminating all confidential information belonging to the Bank and/or other parties to uninterested parties, which can benefit or harm the customer, the Bank and/or other parties.</li><li><strong>Other actions that can be equated with fraud&nbsp;in accordance with the provisions of laws and regulations.</strong></li></ul></li><li>Non-Fraud<ul><li><strong>Violations of&nbsp;the Code of Conduct</strong>. The Code of Conduct&nbsp;is a code of conduct for Bank employees in carrying out their daily duties and official duties as well as in conducting business relationships with customers, partners and colleagues.&nbsp;Examples of violations of&nbsp;the Code of Conduct:<ul><li>Utilizing the Bank&#39;s belongings for the benefit of oneself, family or other outside parties.</li><li>Abuse of position for personal or family interests.&nbsp;</li><li>Using&nbsp;<em>insider information</em>&nbsp;to take advantage of yourself, your family or other outside parties.&nbsp;</li></ul></li><li><strong>Violations of&nbsp;Business Ethics</strong>. Business Ethics&nbsp;is a moral principle related to Individual Behavior, Protection of Bank Assets, and Bank Business Administration as the basis for Employee behavior in carrying out business activities. Examples of violations of&nbsp;Business Ethics:<ul><li>Entering a place that may tarnish the honor or dignity of the Bank and/or its employees.</li><li>Gambling, drinking or being intoxicated.</li><li>Immoral acts inside and outside the Bank.</li></ul></li><li><strong>Respectful Workplace Policy (RWP)</strong>. RWP is a policy regarding a safe working environment, respecting and protecting human dignity, prioritizing mutual respect, free from discrimination, exclusion or restrictions, bullying and harassment and various other forms of violence both mental and physical for all levels of the Bank, including parties related to the Bank. Examples of RWP violations:<ul><li>Committing acts of&nbsp;discrimination based on religion, ethnicity, race, ethnic origin, group, social class, social status (including marital status and economic status), gender, language, political affiliation, or disability.</li><li>Committing&nbsp;acts of violence, including threats or gestures indicating such acts, coercion, or arbitrary deprivation, against others in the workplace, whether occurring in public or private settings.</li><li>Committing acts&nbsp;of&nbsp;harassment, including any attitude, statement, action, behaviour, or gesture&mdash;whether in the workplace or through various communication media&mdash;that is inconsistent with applicable laws and regulations on human rights. Examples of Harassment:&nbsp;<ul><li>Physical Abuse&nbsp;</li><li>Verbal/Verbal Abuse</li><li>Non-verbal (or cue) Harassment&nbsp;</li><li>Visual Harassment&nbsp;</li><li>Emotional Abuse&nbsp;&nbsp;</li></ul></li></ul></li><li><strong>Violation of personnel provisions or employee complaints</strong>. Examples of violations of the implementation of personnel provisions include:<ul><li>Acting arbitrarily towards employees.</li><li>Fighting or quarreling with fellow employees.</li><li>Persuading other employees to commit acts that are contrary to law or morals.</li><li>Asking to be treated excessively during an official trip.</li></ul></li></ul></li></ol>