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Whistle-Blowing Policy

4. Whistle-blowing process
When the Company receives the information or complaints, the appointed committees

will be responsible for collecting relevant facts, investigating the information provided by
the whistle-blowers and performing their duties as authorized. The assigned committees

.
shall not have any direct or indirect involvement in the complaints The Committees
consist of:
1. The Committees that considers the information or complaints about the Company's

sales presentations and services.

2. The Committees that considers the information or complaints about employees or
conflict of interest.

3. The Committees that considers the information or complaints about fraud,
corruption and insurance fraud.

5. Investigation and penalty

5.1 Consideration process
When notified of the complaints, the assigned and relevant committees

shall proceed as follows:

- Examine, gather and scrutinize facts, as well as define corrective

actions and determine penalties;
- Analyze causes and prevention guidelines to avoid any recurrence;

- Store a database of complaints and violation issues or non-compliance

with sales or service regulations detected by internal units and

report them to regulators;
- Urgently report on corruption issues to the Anti-Corruption Working

Team and the Audit Committee and the Board of Directors;

- Report on fraud issues including insurance fraud to the Audit

Committee;
- Regularly report corruption statistics to the Audit Committee and

Board of Directors.

Human Resources Division I Muang Thai Life Assurance Public Company Limited 7