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1. Purpose

The purpose of this Fraud Management Policy is to establish a clear framework for the prevention, detection, reporting, and investigation of fraud within Score Financial Pte. Ltd. The policy demonstrates the company’s commitment to maintaining a culture of honesty, integrity, and accountability.

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2. Scope

This policy applies to all employees, contractors, consultants, vendors, and third parties acting on behalf of Score Financial Pte. Ltd. It covers all forms of fraudulent activity, including but not limited to: a. Misappropriation of assets or funds b. Bribery and corruption c. Forgery or alteration of documents d. Misrepresentation of financial information e. Unauthorized disclosure of confidential information

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3. Policy Statement

Score Financial Pte. Ltd. is committed to: a. Zero tolerance for fraud, corruption, or other unethical conduct b. Promoting awareness and understanding of fraud risks across the organization c. Implementing preventive controls and monitoring mechanisms d. Encouraging employees to report suspicions of fraud in good faith e. Investigating all allegations promptly, fairly, and confidentially f. Taking appropriate disciplinary or legal action where fraud is substantiated

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4. Roles and Responsibilities

Executive Management a. Provide leadership and set the tone for ethical conduct b. Approve anti-fraud policies and allocate necessary resources Compliance Team a. Develop and implement the Fraud Management Framework b. Conduct fraud risk assessments and internal investigations c. Maintain a confidential reporting mechanism (e.g., whistleblowing hotline) All Employees a. Comply with the policy and report any suspicious activity b. Participate in fraud awareness and training programs

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5. Fraud Risk Assessment

Fraud risk assessments will be conducted periodically to: a. Identify areas most vulnerable to fraud b. Evaluate the effectiveness of existing controls c. Develop mitigation strategies to reduce fraud risk

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6. Fraud Detection and Reporting

Score Financial Pte. Ltd. will maintain mechanisms to detect and report fraud, including: a. Whistleblower channels and anonymous reporting options b. Internal audits and control testing c. Monitoring of high-risk transactions All reports of suspected fraud will be treated confidentially and assessed promptly.

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7. Investigation and Disciplinary Action

All credible reports of fraud will be investigated in accordance with internal procedures. Actions may include: a. Suspension of implicated individuals during investigation b. Internal disciplinary measures up to and including termination c. Referral to law enforcement or regulatory authorities where appropriate

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8. Training and Awareness

All employees shall receive: a. Fraud awareness training upon hire and annually thereafter b. Role-specific training for staff in high-risk functions c. Periodic communication and reminders about reporting responsibilities

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9. Compliance and Review

This policy shall be: a. Reviewed annually and updated as necessary b. Aligned with applicable laws, regulations, and industry best practices c. Audited periodically to assess effectiveness and compliance

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10. Exceptions

Any exceptions to this policy must be approved in writing by the Executive Management.