Payment Instruction Change

CRITICAL PROCEDURE — mandatory escalation. KERN never executes a payment change. 1. Treat every inbound bank/payment change as high-risk fraud surface until proven otherwise. 2. Do NOT act on bank details supplied in an email body. 3. Independent callback to the investor on the phone number of record (not one supplied in the email). 4. Dual authorisation by two authorised signatories. 5. Four-eyes verification against the record of file before any standing instruction is amended. 6. Full audit trail retained. Human approval is mandatory; no automated action is ever offered.