- Criminal offences including fraud, theft, corruption and money laundering.

- Accounting, financial reporting and other irregularities.

- Fraudulent policy/investment applications.

- Theft of company assets.

- Fraudulent misrepresentation by Financial Advisers, Brokers, employees and contractors.

Unethical conduct, at any level, ultimately hurts Santam and its stakeholders including you. We all have the right to work in a safe, ethical working environment and have a responsibility to our stakeholders to assure that happens.

We all have the right to work in a positive fraud-free environment and with that right, comes the responsibility of acting in an ethical manner and letting the appropriate people know if someone is not acting appropriately. By working together, we can maintain a healthy and productive environment.