WHISTLE-BLOWING POLICY

Singapura Finance Ltd has a whistle-blowing policy which provides for access to well-defined channels for employees to report in good faith, without fear of reprisal, any suspected wrongdoing to the Chairman of the Audit Committee.

Whistle-blowing reports may be sent to the Chairman of the Audit Committee, in a sealed envelope marked "Confidential – Only To Be Opened By The Chairman of the Audit Committee" to the following addressee:

Chairman of the Audit Committee
c/o Singapura Finance Ltd,
150 Cecil Street #01-00,
Singapore 069543
"Confidential – Only To Be Opened By The Chairman of the Audit Committee"

All reports received are accorded confidentiality and investigated by an independent party appointed by the Chairman of the Audit Committee.