<p>&nbsp;</p><p>Whistleblowing System - Letter to CEO (WBS-LTC) is a platform for employees and other stakeholders to report to the CEO of Bank Mandiri any indications or acts of fraud and/or non-fraud that could harm customers or Bank Mandiri.</p><p>Fraud refers to acts of misconduct or intentional negligence intended to deceive, cheat, or manipulate the Bank, customers, or other parties. This could occur within the Bank or through the use of the Bank&rsquo;s resources, resulting in losses for the Bank, customers, or other parties, and direct or indirect gains for the perpetrator of the fraud and/or other parties.</p><p>Non-Fraud refers to actions other than fraud, such as violations of the code of conduct, business ethics, respectful workplace policy, or employment regulations.</p><p>The WBS-LTC, as part of the Anti-Fraud Strategy (SAF) program, aims to:</p><ol><li>Detecting indications or acts of fraud and/or non-fraud that could harm customers, the Bank, or other parties through reports from employees or external parties. Reports may be submitted with a clear identity or anonymously, which can then be investigated or followed up.</li><li>Encouraging awareness and responsibility among all employees to protect their work units from losses due to indications or acts of fraud and/or non-fraud, thus improving oversight quality and fostering a stronger sense of belonging.</li><li>Strengthening the Bank&rsquo;s reputation, particularly in the context of Good Corporate Governance, thereby enhancing the Bank&rsquo;s image through the implementation of adequate and comprehensive anti-fraud mechanisms.</li></ol><p>As part of Bank Mandiri&#39;s commitment to maintaining the confidentiality of reporting data from unauthorised parties, Bank Mandiri has partnered with PT RSM Indonesia Konsultan (RSM Indonesia) to independently manage WBS-LTC reports.</p>