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From: Your CTOS Team <marketing@marketing.ctos.com.my>
To: ramesh@saraya.com.my
Subject: Your credit report has been updated!
Date: Mon, 16 Nov 2020 16:21:36 +0000 (UTC)
Feedback-Id: 42.987732.974353:MJ
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MALAY [http://xmgz5.mjt.lu/nl2/xmgz5/5rwl9.html?hl=3Den]

[https://ctosid.ctos.com.my/ctosid_new/LoginPage?utm_source=3DEmail%20Digit=
al%20Marketing&utm_medium=3DEmail&utm_campaign=3DEmail%20Digital%20Marketin=
g]

The COVID-19 pandemic and CMCO situation may be out of our control, but our=
 credit health doesn=E2=80=99t have to be! Stay in control and take charge =
of your credit health by checking your latest MyCTOS Score report.

Your updated MyCTOS Score report helps you to:

=E2=93=98 Did you know?

Your CCRIS information with Bank Negara Malaysia (BNM) is updated on every =
15th of the month.  Therefore the information in your credit report, includ=
ing your CTOS Score, will also change accordingly. We=0D recommend that you=
 monitor your credit report regularly.

[https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr1s7.png] [http://www.ctoscredi=
t.com.my/help]=C2=A0 Frequently Asked Questions [http://www.ctoscredit.com.=
my/help/]

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:+60327228833]=C2=A0 =C2=A0|[https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr1s=
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hat Support [https://ctosid.ctos.com.my/ctosid_new/SimpleRegister]  =C2=A0 =
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it.com.my]=C2=A0 www.ctoscredit.com.my [http://www.ctoscredit.com.my]  =C2=
=A0 |[https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr11w.png] [http://www.ctos=
credit.com.my/contact-ctos.html?lng=3Den]=C2=A0 View list of branches [http=
://www.ctoscredit.com.my/contact-us/]

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tplimg/xmgz5/b/x4h7h/vr11s.png] [https://www.youtube.com/channel/UCWBjT5xzt=
mtZQBDHdPsKXOQ][https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr111.png] [https=
://www.instagram.com/ctoscredit/]

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center; margin: 10px 0; margin-top: 10px;" data-testid=3D"IX-CMyMlN"><span =
style=3D"font-family:helvetica neue, Helvetica, Arial, sans-serif;font-size=
:13px;line-height:20px;">The COVID-19 pandemic and CMCO situation may be ou=
t of our control, but our credit health doesn=E2=80=99t have to be! <b>Stay=
 in control and take charge of your credit health by checking your latest M=
yCTOS Score report.</b></span></p><p class=3D"text-build-content" style=3D"=
text-align: center; margin: 10px 0; margin-bottom: 10px;" data-testid=3D"IX=
-CMyMlN"><span style=3D"font-family:helvetica neue, Helvetica, Arial, sans-=
serif;font-size:13px;line-height:20px;">Your updated MyCTOS Score report he=
lps you to:</span></p></div></td></tr></table></div></td></tr></tbody></table></div><div style=3D"background:#ffffff;background-color:#ffffff;margin:0px a=
uto;max-width:600px;"><table align=3D"center" border=3D"0" cellpadding=3D"0=
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der=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=
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kground:#d5d3d6;font-size:0px;padding:0px 20px 0px 20px;padding-top:0px;pad=
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"><div style=3D"font-family:Arial, sans-serif;font-size:14px;letter-spacing=
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d-content" style=3D"text-align: justify; margin: 10px 0; margin-top: 10px;"=
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ca neue, Helvetica, Arial, sans-serif;"><i><b>=E2=93=98 Did you know?</b></=
i></span></p><p class=3D"text-build-content" style=3D"text-align: justify; =
margin: 10px 0; margin-bottom: 10px;" data-testid=3D"5oAK0OjBg"><span style=
=3D"font-family:helvetica neue, Helvetica, Arial, sans-serif;font-size:11px=
;line-height:18px;"><i>Your CCRIS information with Bank Negara Malaysia (BN=
M) is updated on every <b>15th of the month. </b>Therefore the information =
in your credit report, including your CTOS Score, will also change accordin=
gly. We recommend that you monitor your credit report regularly.</i></span>=
</p></div></td></tr></table></div></td></tr></tbody></table></div><div style=3D=
"margin:0px auto;max-width:600px;"><table align=3D"center" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"width:100%;=
"><tbody><tr><td style=3D"direction:ltr;font-size:0px;padding:20px 0px 20px=
 0px;text-align:center;"><div class=3D"mj-column-per-10=
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