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From: Your CTOS Team <marketing@marketing.ctos.com.my>
To: ramesh@saraya.com.my
Subject: The moratorium is ending soon. What should you know?
Date: Tue, 15 Sep 2020 19:54:51 +0000 (UTC)
Feedback-Id: 42.987732.974353:MJ
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MALAY [http://xmgz5.mjt.lu/nl2/xmgz5/5q9vx.html?hl=3Den]

The bank moratorium, which allowed Malaysians to delay their loan payments =
without having their credit history affected, will end on 30th September 20=
20. This means most of us will have to start repaying  our loans again.
What happens next?

Read more* [https://multiply.org.my/the-loan-moratorium-is-ending-soon-what=
-should-you-know/]  to learn what the exceptions are and what will happen i=
f you miss payments once the moratorium is lifted.

*Originally published by Multiply, endorsed by CTOS

How CTOS Can Help?

This is also a good opportunity to get your credit health back on track, es=
pecially if you=E2=80=99ve neglected it during the MCO. Start by checking y=
our latest MyCTOS Score report to know where you stand and what steps you n=
eed to take to improve your credit health and score.

<<Get MyCTOS Score Report>> [https://ctosid.ctos.com.my/ctosid_new/LoginPag=
e?utm_source=3DEmail%20Digital%20Marketing&utm_medium=3DEmail&utm_campaign=
=3DEmail%20Digital%20Marketing]

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order=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=
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width=3D"148"></td></tr></tbody></table></td></tr></table></div><div class=3D"mj-column-per-66 mj-outlook-group-fix" style=3D"font-s=
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op;width:100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
e=3D"presentation" style=3D"vertical-align:top;" width=3D"100%"><tr><td ali=
gn=3D"left" style=3D"font-size:0px;padding:10px 25px;padding-top:0px;paddin=
g-bottom:0px;word-break:break-word;"><div style=3D"font-family:Arial, sans-=
serif;font-size:13px;letter-spacing:normal;line-height:1;text-align:left;co=
lor:#000000;"><p class=3D"text-build-content" style=3D"text-align: right; m=
argin: 10px 0; margin-top: 10px; margin-bottom: 10px;" data-testid=3D"SXkjy=
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tml?hl=3Den"><span style=3D"color:#0000EE;font-family:Arial;font-size:13px;=
line-height:24px;"><u>MALAY</u></span></a></p></div></td></tr></table></div=
></td></tr></tbody></table>=
</div><div style=3D"background:transparent;backgroun=
d-color:transparent;margin:0px auto;max-width:600px;"><table align=3D"cente=
r" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" s=
tyle=3D"background:transparent;background-color:transparent;width:100%;"><t=
body><tr><td style=3D"border:0px solid #ffffff;direction:ltr;font-size:0px;=
padding:0px 0px 0px 0px;padding-bottom:0px;padding-left:0px;padding-right:0=
px;padding-top:0px;text-align:center;"><div class=3D"=
mj-column-per-100 mj-outlook-group-fix" style=3D"font-size:0px;text-align:l=
eft;direction:ltr;display:inline-block;vertical-align:top;width:100%;"><tab=
le border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" s=
tyle=3D"vertical-align:top;" width=3D"100%"><tr><td align=3D"center" style=
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><tbody><tr><td style=3D"width:600px;" class=3D"mj-full-width-mobile"><img =
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rrrx.jpeg" style=3D"border:none;border-radius:0;display:block;outline:none;=
text-decoration:none;height:auto;width:100%;font-size:13px;" width=3D"600">=
</td></tr></tbody></table></td></tr><tr><td align=3D"left" style=3D"backgro=
und:#009197;font-size:0px;padding:10px 30px 5px 30px;padding-top:10px;paddi=
ng-right:30px;padding-bottom:5px;padding-left:30px;word-break:break-word;">=
<div style=3D"font-family:Arial, sans-serif;font-size:10px;letter-spacing:n=
ormal;line-height:1;text-align:left;color:#000000;"><p class=3D"text-build-=
content" style=3D"text-align: justify; margin: 10px 0; margin-top: 10px; ma=
rgin-bottom: 10px;" data-testid=3D"JAEUKAkvP"><span style=3D"color:#ffffff;=
font-family:helvetica neue, Helvetica, Arial, sans-serif;font-size:14px;lin=
e-height:20px;">The bank moratorium, which allowed Malaysians to delay thei=
r loan payments without having their credit history affected, will end on <=
/span><span style=3D"color:#fff100;font-family:helvetica neue, Helvetica, A=
rial, sans-serif;font-size:14px;line-height:20px;"><b>30th September 2020</=
b></span><span style=3D"color:#ffffff;font-family:helvetica neue, Helvetica=
, Arial, sans-serif;font-size:14px;line-height:20px;">. This means most of =
us will have to start </span><span style=3D"color:#fff100;font-family:helve=
tica neue, Helvetica, Arial, sans-serif;font-size:14px;line-height:20px;"><=
b>repaying</b></span><span style=3D"color:#ffffff;font-family:helvetica neu=
e, Helvetica, Arial, sans-serif;font-size:14px;line-height:20px;"> our loan=
s again.</span></p></div></td></tr><tr><td align=3D"left" style=3D"backgrou=
nd:#009197;font-size:0px;padding:0px 25px 0px 25px;padding-top:0px;padding-=
right:25px;padding-bottom:0px;padding-left:25px;word-break:break-word;"><di=
v style=3D"font-family:Arial, sans-serif;font-size:9px;letter-spacing:norma=
l;line-height:1;text-align:left;color:#000000;"><p class=3D"text-build-cont=
ent" style=3D"text-align: justify; margin: 10px 0; margin-top: 10px;" data-=
testid=3D"5FxvaLvgI"><span style=3D"color:#ffffff;font-family:helvetica neu=
e;font-size:14px;line-height:20px;"><i><b>What happens next?</b></i></span>=
</p><p class=3D"text-build-content" style=3D"text-align: justify; margin: 1=
0px 0;" data-testid=3D"5FxvaLvgI"><a class=3D"link-build-content" style=3D"=
color:inherit;; text-decoration: none;" target=3D"_blank" href=3D"http://xm=
gz5.mjt.lu/lnk/AU4AAA0ZMAoAAchjYKgAALFa2t8AAYCr38QAm8GnAA8SVABfYRwLzmhUSIwj=
Tvi0ewUCv5UfYAAO3hE/1/-WSFeajJnRDn8klXR5ZHhA/aHR0cHM6Ly9tdWx0aXBseS5vcmcubX=
kvdGhlLWxvYW4tbW9yYXRvcml1bS1pcy1lbmRpbmctc29vbi13aGF0LXNob3VsZC15b3Uta25vd=
y8_dXRtX2NhbXBhaWduPVRoZSUyMG1vcmF0b3JpdW0lMjBpcyUyMGVuZGluZyUyMHNvb24uJTIw=
V2hhdCUyMHNob3VsZCUyMHlvdSUyMGtub3clM0YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmN=
lPU1haWxqZXQ"><span style=3D"color:#fff100;font-family:Arial;font-size:14px=
;line-height:20px;"><u>Read more*</u></span></a><span style=3D"color:#fffff=
f;font-family:helvetica neue;font-size:14px;line-height:20px;"> to learn wh=
at the exceptions are and what will happen if you miss payments once the mo=
ratorium is lifted.</span></p><p class=3D"text-build-content" style=3D"text=
-align: justify; margin: 10px 0; margin-bottom: 10px;" data-testid=3D"5Fxva=
LvgI"><span style=3D"color:#ffffff;font-family:helvetica neue;font-size:9px=
;line-height:20px;"><i>*Originally published by Multiply, endorsed by CTOS<=
/i></span></p></div></td></tr></table></div></td></tr></tbody></table></div><di=
v style=3D"background:#efeff0;background-color:#efeff0;margin:0px auto;max-=
width:600px;"><table align=3D"center" border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" role=3D"presentation" style=3D"background:#efeff0;background-co=
lor:#efeff0;width:100%;"><tbody><tr><td style=3D"border:0px solid #007b85;d=
irection:ltr;font-size:0px;padding:10px 25px 0px 25px;padding-bottom:0px;pa=
dding-left:25px;padding-right:25px;padding-top:10px;text-align:center;"><!-=
-[if mso | IE]><table role=3D"presentation" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0"><tr><td class=3D"" style=3D"vertical-align:top;width:550p=
x;" ><![endif]--><div class=3D"mj-column-per-100 mj-outlook-group-fix" styl=
e=3D"font-size:0px;text-align:left;direction:ltr;display:inline-block;verti=
cal-align:top;width:100%;"><table border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" role=3D"presentation" style=3D"vertical-align:top;" width=3D"100%">=
<tr><td align=3D"left" style=3D"font-size:0px;padding:10px 25px;padding-top=
:0px;padding-bottom:0px;word-break:break-word;"><div style=3D"font-family:A=
rial, sans-serif;font-size:16px;letter-spacing:normal;line-height:1;text-al=
ign:left;color:#000000;"><p class=3D"text-build-content" style=3D"line-heig=
ht: 20px; text-align: center; margin: 10px 0; margin-top: 10px;" data-testi=
d=3D"kkUgSKIOd"><span style=3D"font-family:Arial;font-size:16px;line-height=
:20px;"><b>How CTOS Can Help?</b></span></p><p class=3D"text-build-content"=
 style=3D"line-height: 20px; text-align: center; margin: 10px 0; margin-bot=
tom: 10px;" data-testid=3D"kkUgSKIOd"><span style=3D"font-family:Arial;font=
-size:14px;line-height:20px;">This is also a good opportunity to <b>get you=
r credit health back on track</b>, especially if you=E2=80=99ve neglected i=
t during the MCO. Start by checking your latest MyCTOS Score report to know=
 where you stand and what steps you need to take to improve your credit hea=
lth and score.</span></p></div></td></tr></table></div></td></tr></tbody></table></div><div style=3D"background:#efeff0;background-color:#efeff0;margin:0p=
x auto;max-width:600px;"><table align=3D"center" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"background:#efeff0;=
background-color:#efeff0;width:100%;"><tbody><tr><td style=3D"border:0px so=
lid #007b85;direction:ltr;font-size:0px;padding:10px 10px 20px 10px;padding=
-bottom:20px;padding-left:10px;padding-right:10px;padding-top:10px;text-ali=
gn:center;"><div class=3D"mj-column-per-100 mj-outlook-=
group-fix" style=3D"font-size:0px;text-align:left;direction:ltr;display:inl=
ine-block;vertical-align:top;width:100%;"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"vertical-align:top;=
" width=3D"100%"><tr><td align=3D"center" vertical-align=3D"middle" style=
=3D"font-size:0px;padding:0px 25px 5px 25px;padding-top:0px;padding-right:2=
5px;padding-bottom:5px;padding-left:25px;word-break:break-word;"><table bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=
=3D"border-collapse:separate;line-height:100%;"><tr><td align=3D"center" bg=
color=3D"#ed1c24" role=3D"presentation" style=3D"border:0px solid #ffffff;b=
order-radius:3px;cursor:auto;mso-padding-alt:10px 25px 10px 25px;background=
:#ed1c24;" valign=3D"middle"><a href=3D"http://xmgz5.mjt.lu/lnk/AU4AAA0ZMAo=
AAchjYKgAALFa2t8AAYCr38QAm8GnAA8SVABfYRwLzmhUSIwjTvi0ewUCv5UfYAAO3hE/2/ZJtm=
JuD1OEUS9ti8O172dw/aHR0cHM6Ly9jdG9zaWQuY3Rvcy5jb20ubXkvY3Rvc2lkX25ldy9Mb2dp=
blBhZ2U_dXRtX3NvdXJjZT1FbWFpbCUyMERpZ2l0YWwlMjBNYXJrZXRpbmcmdXRtX21lZGl1bT1=
FbWFpbCZ1dG1fY2FtcGFpZ249RW1haWwlMjBEaWdpdGFsJTIwTWFya2V0aW5nJnV0bV9jYW1wYW=
lnbj1UaGUlMjBtb3JhdG9yaXVtJTIwaXMlMjBlbmRpbmclMjBzb29uLiUyMFdoYXQlMjBzaG91b=
GQlMjB5b3UlMjBrbm93JTNGJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1NYWlsamV0" st=
yle=3D"display:inline-block;background:#ed1c24;color:#ffffff;font-family:Ar=
ial, sans-serif;font-size:15px;font-weight:normal;line-height:120%;margin:0=
;text-decoration:none;text-transform:none;padding:10px 25px 10px 25px;mso-p=
adding-alt:0px;border-radius:3px;" target=3D"_blank"><span style=3D"font-si=
ze:15px;"><b>Get MyCTOS Score Report</b></span></a></td></tr></table></td><=
/tr></table></div></td></tr=
></tbody></table></div><div style=3D"background:#f=
fffff;background-color:#ffffff;margin:0px auto;max-width:600px;"><table ali=
gn=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pres=
entation" style=3D"background:#ffffff;background-color:#ffffff;width:100%;"=
><tbody><tr><td style=3D"border:0px solid #ffffff;direction:ltr;font-size:0=
px;padding:20px 0px 20px 0px;padding-left:0px;padding-right:0px;text-align:=
center;"><div class=3D"mj-column-per-100 mj-outlook-gro=
up-fix" style=3D"font-size:0px;text-align:left;direction:ltr;display:inline=
-block;vertical-align:top;width:100%;"><table border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"presentation" style=3D"vertical-align:top;" wid=
th=3D"100%"><tr><td style=3D"font-size:0px;padding:0px;padding-top:0px;padd=
ing-bottom:0px;word-break:break-word;"><div style=3D"font-family:Arial, san=
s-serif;font-size:13px;letter-spacing:normal;line-height:24px;color:#000000=
;"><div style=3D"text-align: center;"><strong><span style=3D"font-size:12px=
"><span style=3D"font-family:arial,helvetica neue,helvetica,sans-serif"><sp=
an style=3D"color:rgb(239, 65, 35)"><a href=3D"http://xmgz5.mjt.lu/lnk/AU4A=
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