NEWS & UPDATES

Document Title:  Sales Incentive & Recovery Policy Effective From:  12 / FEB / 2026 1. Purpose To define transparent incentive structure and protect company from risk exposure. 2. Eligibility Incentives shall be payable only when: Client payment is fully realized. No dispute is pending. Service period has commenced. 3. Incentive Release Mechanism 50% released in current cycle. 50% held as risk retention for 60 days. If no complaint arises, balance released. 4. Clawback Clause

Document Title:  Employee Conduct & Disciplinary Code Effective From:  12 / FEB / 2026 1. Definition of Misconduct The following shall constitute misconduct: Unauthorized client communication Data misuse CRM manipulation Misrepresentation Profit guarantee statements Personal fund handling Reputational harm Absconding without notice Non-cooperation in investigation 2. Levels of Disciplinary Action Level 1 – Written Warning For minor procedural violations. Level 2 – Suspension

(For CRM, WhatsApp, Client Handling & Advisory Communication for client Vvinfine Advisor) Document Title:  Operational Control & Communication Governance Policy Effective From:  12 / Feb / 2026 Applies To:  All Employees, Consultants, Advisors 1. Objective To ensure: Controlled access to client data No unauthorized communication No misuse of CRM or WhatsApp Clear accountability in client handling Prevention of reputational and financial risk 2. CRM Access Policy Each employee

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