<p>&nbsp;</p><p>PT.&nbsp;Bank&nbsp;Neo&nbsp;Commerce, Tbk. has defined the types of violations that may be reported through the Whistleblowing System (WBS), which include the following:</p><ol><li>Related to Fraud, namely:<br />
    a. Corruption;<br />
    b. Bribery;<br />
    c. Gratuities;<br />
    d. Extortion;<br />
    e. Conflicts of interest that are detrimental to the Financial Services Institution (LJK) and/or Consumers;<br />
    f. Fraud;<br />
    g. Misuse or embezzlement of assets or cash;<br />
    h. Disclosure of confidential information;<br />
    i. Theft;<br />
    j. Fraud in financial reporting; and<br />
    k. Other acts that may be equated with Fraud in accordance with the provisions of applicable laws and regulations.</li></ol><p>Matters related to Human Resources (HR), legal violations, disciplinary violations, company regulations, the Company&rsquo;s Code of Ethics and Conduct, and other company policies will be forwarded to the relevant function using the Company&rsquo;s official correspondence mechanism.</p>