St Margaret SS Prelim 2023 Question Paper (with Marking Scheme)

___________________________________________________________________ This question paper consists of 6 printed pages. [Turn over] ST. MARGARET’S SCHOOL (SECONDARY) Preliminary Examinations 2023 CANDIDATE NAME CLASS REGISTER NUMBER COMBINED HUMANITIES Paper 1 Social Studies Secondary 4 Express 2272/01 2273/01 2274/01 15 August 2023 1 hour 45 minutes Additional Materials: NIL READ THESE INSTRUCTIONS FIRST Write your name, registration number and class on all the work you hand in. Write in dark blue or black pen. Do not use staples, paper clips, glue or correction fluid on your answer scripts. Section A Answer all questions. Section B Answer all questions. At the end of the examination, fasten Sections A and B separately. Attach the scoresheet to Section A. The number of marks is given in brackets [ ] at the end of each question or part question. The total of the marks for this paper is 50.

2 Section A: Source-Based Case Study Question 1 is compulsory for all candidates. Exploring Citizenship and Governance Study the Background Information and the sources carefully, and then answer all the questions. You may use any of the sources to help you answer the questions, in addition to those sources which you are told to use. In answering the questions, you should use your knowledge of the issue to help you interpret and evaluate the sources. 1 Study Source A. What is the message of the cartoon? Explain your answer. [5] 2 Study Source B. Does this source prove that OCBC is at fault for their customers’ losses in the December 2021 scam? Explain your answer. [6] 3 Study Source C and D. How similar are these two sources as evidence about online scams in Singapore? Explain your answer. [7] 4 Study Sources E and F. Does Source E make Source F surprising? Explain your answer. [7] 5 Study all the sources. ‘Banks are the most important line of defence in the fight against online scams.’ Using the sources in this case study, explain how far you would agree with this statement. [10]

3 Who is responsible for combating online scams? BACKGROUND INFORMATION Read this carefully. It may help you answer some of the questions. Online scams, also known as internet scams, continue to evolve and can vary widely. Online scams generally refer to someone using internet services or software to deceive or take advantage of victims for financial gain. In recent years, the number and vari ety of these scams have grown around the world. In December 2021, at least 469 Overseas -Chinese Banking Corporation (OCBC) customers fell victim to an online scam in Singapore where a collective S$8.5 million was swiped from their bank accounts. While there have been many instances of online scams in Singapore, this scam proved particularly devious, given the methods used and speed at which scammers were able to transfer funds out of victims’ accounts. These scams were devastating to the victims, many of whom lost their hard-earned life savings. As scams become more devious, there have been increasing efforts to fight and prevent them. Study the following sources to find out who is primarily responsible for combating online scams. Source A: A cartoon about online scams published in a Filipino newspaper in November 2020. *Burgeoning - beginning to grow or increase rapidly. [Grab your reader’s attention with a great quote from the document or use this space to emphasize a key point. To place this text box anywhere on the page, just drag it.] *

4 Source B: Adapted from comments online by numerous victims of the December 2021 OCBC scam, posted in January 2022. Victim 1: Upon realising we had been victims of a scam, we immediately called the OCBC hotline. However, we were put on hold. When we finally got hold of an OCBC operator 2 hours later, we were informed that it was too late to so anything since PayNow transactions are immediate. If OCBC had been more proactive, we would still have our money. Instead, we were left waiting while the scammers were doing their work. Victim 2: The OCBC operator simply told me to fill up a feedback form and make a police report. When I called the next day for an update, I found that OCBC had not made any progress. Actions such as removing the scammer’s phone number from my account were not done. This response is in contrast to the response DBS who immediately took action when they learnt what happened to my OCBC account. Source C: Adapted from a statement from the Singapore Police Force on their fight against online scams, published in February 2022. With rising scams significantly contributing to overall crime in 2021, we have stepped up enforcement against these operations. In 2021, officers conducted 26 island -wide anti -scam enforcement operations, leading to the investigation of more than 7,500 scammers. In addition, the police’s Anti-Scam Centre received more than 23,800 reports with losses amounting to S$520 million in 2021. But it recovered more than S$102 million and froze more than 12,600 bank accounts. Source D: Adapted from a speech by Ms Sun Xueling, Minister of State, at an online seminar for the general public at the Ministry of Home Affairs, January 2023. The speech was published on the Ministry of Home Affairs website in the same month. While physical crimes continue to remain low, scams have increased significantly and have become the main driver of crimes. To prevent scams, the Government has made significant progress in the following key areas: (i) To prevent scammers from reaching out to victims, we have instructed the telecommunication companies to implement anti -scam filters in their networks to identify and block scam SMSes. (ii) We have guided the Association of Banks in Singapore to introdu ce additional safeguards such as the removal of clickable links in emails or text messages sent to consumers. (iii) We launched the ScamShield smart phone application which identifies and blocks scam calls and SMSes.

5 Source E: Adapted from a report from an independent firm engaged by OCBC to review its systems and processes following the December 2021 scams. Shortcomings were identified in the bank's handling of identified risks, transaction controls, incident management and complaints handling. This resulted in delays in containment measures and customer response time. The shortcomings identified are in line with the Monetary Authority of Singapore’s (MAS) assessment and the bank is in the process of addressing them. Source F: Adapted from a comment by Mr. Ravi, Managing Director of the Monetary Authority of Singapore (MAS), published in February 2022. The MAS are responsible for regulating Singapore’s finance sector. Customers have the responsibility to take necessary precautions, especially by never giving away personal or banking credentials to anyone, never clicking on links in SMS or emails which are claimed to be sent by a bank, and transacting only through the ba nk's official website or mobile application. Although financial institutions are expected to treat customers fairly and bear an appropriate portion of losses resulting from scams, care also should be taken to ensure compensation paid to customers do not reduce their incentive to be vigilant.

6 SECTION B (Structured-Response Question) Answer all questions. Being Part of a Globalised World Study the extracts