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This Fraud Watchlist Guideline governs the process of identifying, designating and treating with individuals and entities known or suspected to have committed acts of fraud in order to restrict access to all financial facilities offered by the JN Group; and strengthen the organization’s risk control framework. The policy applies to all loan/credit applicants, savings account holders, insurance policy holders and JN Group employees.

While the Guidelines are not applicable to the spouses, children or parents of individuals on the Watchlist, if a connection is discovered/declared during the underwriting process, enhanced due diligence procedures will be applied to limit the potential benefit and the JN Group’s exposure to the individual designated as an “Excluded Person”.