<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 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.</p><p>&nbsp;</p><p>Regarding the report associated with 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>