관리-도구

편집 파일: 1611580256.M865574P988.server.saraya-global.com,S=42169,W=42797:2,

Envelope-to: ramesh@saraya.com.my
Delivery-date: Mon, 25 Jan 2021 21:10:56 +0800
Message-Id: <87425e29.AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMy@mailjet.com>
MIME-Version: 1.0
From: Your CTOS Team <marketing@marketing.ctos.com.my>
To: ramesh@saraya.com.my
Subject: How to safeguard your identity while shopping online
Date: Mon, 25 Jan 2021 13:10:10 +0000 (UTC)
Feedback-Id: 42.987732.974353:MJ
Precedence: bulk
Content-Type: multipart/alternative; boundary="=-2X7DcoZJmPio6qBLarpV"

--=-2X7DcoZJmPio6qBLarpV
Content-Type: text/plain; charset=utf-8
Content-Transfer-Encoding: quoted-printable

MALAY [http://xmgz5.mjt.lu/nl2/xmgz5/5rw7g.html?hl=3Den]

More consumers are shopping online now as part of the New Norm brought on b=
y COVID-19. However, shopping online can also potentially expose you to ide=
ntity theft and scams. Hackers can obtain personal information of unsuspect=
ing customers, which they can then sell, use to make unauthorised purchases=
 or worse. Learn more about how to safeguard your identity while shopping o=
nline here [https://ctoscredit.com.my/learn/5-ways-to-safeguard-your-identi=
ty-while-shopping-online/].

For absolute peace of mind, simply subscribe to CTOS SecureID credit monito=
ring and fraud protection service. For only RM8.90/month or RM86.90/year, y=
ou=E2=80=99ll get ALL the protection and coverage below:

You may also login to purchase a single MyCTOS Score report  if you're not =
ready to subscribe right now.
<<Login>> [https://ctosid.ctos.com.my/ctosid_new/LoginPage?utm_source=3DEma=
il%20Digital%20Marketing&utm_medium=3DEmail&utm_campaign=3DEmail%20Digital%=
20Marketing]

Download the free CTOS app

[https://play.google.com/store/apps/details?id=3Dmy.com.ctos.android]

[https://itunes.apple.com/us/app/ctos/id656528483?mt=3D8]

[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/]

[https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr1sy.png] [https://ctosid.ctos.=
com.my/ctosid_new/SimpleRegister?]=C2=A0 Live Chat Support [https://ctosid.=
ctos.com.my/ctosid_new/SimpleRegister]  =C2=A0 |[https://xmgz5.mjt.lu/tplim=
g/xmgz5/b/x4h7h/vr1s9.png] [http://www.ctoscredit.com.my]=C2=A0 www.ctoscre=
dit.com.my [http://www.ctoscredit.com.my]  =C2=A0 |[https://xmgz5.mjt.lu/tp=
limg/xmgz5/b/x4h7h/vr11w.png] [http://www.ctoscredit.com.my/contact-ctos.ht=
ml?lng=3Den]=C2=A0 View list of branches [http://www.ctoscredit.com.my/cont=
act-us/]

[https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr11x.png] [https://www.facebook=
.com/ctosdatasystems/][https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr110.png]=
 [https://www.linkedin.com/company/ctos-data-systems][https://xmgz5.mjt.lu/=
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/]

This e-mail has been sent to ramesh@saraya.com.my, click here to unsubscrib=
e http://xmgz5.mjt.lu/unsub2?hl=3Den&m=3DAM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38=
QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9KQAO3hE&b=3D87425e29&e=3Df9f11ea6&x=
=3DkQhavHJ-WhJ4s-z7EgKXqqb0raR6PUhe6TMqcrH0KEU.=

--=-2X7DcoZJmPio6qBLarpV
Content-Type: text/html; charset=utf-8
Content-Transfer-Encoding: quoted-printable

<!doctype html><html xmlns=3D"http://www.w3.org/1999/xhtml" xmlns:v=3D"urn:=
schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:offi=
ce"><head><title>How to safeguard your identity while shopping online</titl=
e><meta http-equiv=3D"X-UA-Compatible" content=3D"IE=
=3Dedge"><meta http-equiv=3D"Content-Type" content=3D"text/=
html; charset=3DUTF-8"><meta name=3D"viewport" content=3D"width=3Ddevice-wi=
dth,initial-scale=3D1"><style type=3D"text/css">#outlook a { padding:0; }
          body { margin:0;padding:0;-webkit-text-size-adjust:100%;-ms-text-=
size-adjust:100%; }
          table, td { border-collapse:collapse;mso-table-lspace:0pt;mso-tab=
le-rspace:0pt; }
          img { border:0;height:auto;line-height:100%; outline:none;text-de=
coration:none;-ms-interpolation-mode:bicubic; }
          p { display:block;margin:13px 0; }</style><link href=3D"https://fonts.googleap=
is.com/css?family=3Dhelvetica" rel=3D"stylesheet" type=3D"text/css"><link h=
ref=3D"https://fonts.googleapis.com/css?family=3Dhelvetica neue" rel=3D"sty=
lesheet" type=3D"text/css"><link href=3D"https://fonts.googleapis.com/css?f=
amily=3Darial" rel=3D"stylesheet" type=3D"text/css"><style type=3D"text/css=
">@import url(https://fonts.googleapis.com/css?family=3Dhelvetica);
@import url(https://fonts.googleapis.com/css?family=3Dhelvetica neue);
@import url(https://fonts.googleapis.com/css?family=3Darial);</style><style type=3D"text/css">@media only screen and (min-width:480px)=
 {
        .mj-column-per-33 { width:33% !important; max-width: 33%; }
.mj-column-per-66 { width:66% !important; max-width: 66%; }
.mj-column-per-100 { width:100% !important; max-width: 100%; }
.mj-column-per-25 { width:25% !important; max-width: 25%; }
      }</style><style type=3D"text/css">[owa] .mj-column-per-33 { width:33%=
 !important; max-width: 33%; }
[owa] .mj-column-per-66 { width:66% !important; max-width: 66%; }
[owa] .mj-column-per-100 { width:100% !important; max-width: 100%; }
[owa] .mj-column-per-25 { width:25% !important; max-width: 25%; }</style><s=
tyle type=3D"text/css">@media only screen and (max-width:480px) {
      table.mj-full-width-mobile { width: 100% !important; }
      td.mj-full-width-mobile { width: auto !important; }
    }</style></head><body style=3D"background-color:#F4F4F4;"><div style=3D=
"background-color:#F4F4F4;"><div style=3D"background:#ffffff;backgroun=
d-color:#ffffff;margin:0px auto;max-width:600px;"><table align=3D"center" b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=
=3D"background:#ffffff;background-color:#ffffff;width:100%;"><tbody><tr><td=
 style=3D"border:0px solid #ffffff;direction:ltr;font-size:0px;padding:20px=
 0px 10px 0px;padding-bottom:10px;padding-left:0px;padding-right:0px;text-a=
lign:center;"><div class=3D"mj-column-per-33 mj-outlook=
-group-fix" style=3D"font-size:0px;text-align:left;direction:ltr;display:in=
line-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" style=3D"font-size:0px;padding:10=
px 25px 10px 25px;padding-right:25px;padding-left:25px;word-break:break-wor=
d;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"present=
ation" style=3D"border-collapse:collapse;border-spacing:0px;"><tbody><tr><t=
d style=3D"width:148px;"><img alt=3D"" height=3D"auto" src=3D"https://xmgz5=
.mjt.lu/tplimg/xmgz5/b/x7klo/vris3.jpeg" style=3D"border:none;display:block=
;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" =
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=
ize:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:t=
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=
jhUl"><a class=3D"link-build-content" style=3D"color:inherit;; text-decorat=
ion: none;" target=3D"_blank" href=3D"http://xmgz5.mjt.lu/nl2/xmgz5/5rw7g.h=
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=
=3D"font-size:0px;padding:0px 0px 0px 0px;padding-top:0px;padding-right:0px=
;padding-bottom:0px;padding-left:0px;word-break:break-word;"><table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"b=
order-collapse:collapse;border-spacing:0px;"><tbody><tr><td style=3D"width:=
600px;"><img alt=3D"" height=3D"auto" src=3D"https://xmgz5.mjt.lu/tplimg/xm=
gz5/b/0qqs0/v7lki.jpeg" style=3D"border:none;display:block;outline:none;tex=
t-decoration:none;height:auto;width:100%;font-size:13px;" width=3D"600"></t=
d></tr></tbody></table></td></tr></table></div></td></tr></tbody></table></div><div class=3D"mj-column-per-100 mj-outlook-group-fi=
x" style=3D"font-size:0px;text-align:left;direction:ltr;display:inline-bloc=
k;vertical-align:top;width:100%;"><table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" style=3D"vertical-align:top;" width=3D=
"100%"><tr><td align=3D"left" style=3D"font-size:0px;padding:0px 15px 0px 1=
5px;padding-top:0px;padding-right:15px;padding-bottom:0px;padding-left:15px=
;word-break:break-word;"><div style=3D"font-family:Arial, sans-serif;font-s=
ize:14px;letter-spacing:normal;line-height:1;text-align:left;color:#000000;=
"><p class=3D"text-build-content" style=3D"text-align: center; margin: 10px=
 0; margin-top: 10px; margin-bottom: 10px;" data-testid=3D"kkUgSKIOd"><span=
 style=3D"font-family:Arial;font-size:14px;line-height:20px;">More consumer=
s are shopping online now as part of the New Norm brought on by COVID-19. H=
owever, shopping online can also potentially expose you to identity theft a=
nd scams. Hackers can obtain personal information of unsuspecting customers=
, which they can then sell, use to make unauthorised purchases or worse. Le=
arn more about </span><a class=3D"link-build-content" style=3D"color:inheri=
t;; text-decoration: none;" target=3D"_blank" href=3D"http://xmgz5.mjt.lu/l=
nk/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9=
KQAO3hE/1/Q7S7xhOuLNY3HjOOXTXZ9A/aHR0cHM6Ly9jdG9zY3JlZGl0LmNvbS5teS9sZWFybi=
81LXdheXMtdG8tc2FmZWd1YXJkLXlvdXItaWRlbnRpdHktd2hpbGUtc2hvcHBpbmctb25saW5lL=
z91dG1fY2FtcGFpZ249Q0lEJTIwLSUyMEhvdyUyMHRvJTIwc2FmZWd1YXJkJTIweW91ciUyMGlk=
ZW50aXR5JTIwd2hpbGUlMjBzaG9wcGluZyUyMG9ubGluZSZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9=
zb3VyY2U9TWFpbGpldA"><span style=3D"color:inherit;font-family:Arial;font-si=
ze:14px;line-height:20px;"><u>how to safeguard your identity while shopping=
 online here</u></span></a><span style=3D"font-family:Arial;font-size:14px;=
line-height:20px;">.</span></p></div></td></tr></table></div></td></tr></tbody></table></div><div style=3D"background:#e2fdf7;background-color:#e2fdf7;mar=
gin:0px auto;max-width:600px;"><table align=3D"center" border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"background:#e2f=
df7;background-color:#e2fdf7;width:100%;"><tbody><tr><td style=3D"border:0p=
x solid #ffffff;direction:ltr;font-size:0px;padding:5px 15px 10px 15px;padd=
ing-bottom:10px;padding-left:15px;padding-right:15px;padding-top:5px;text-a=
lign:center;"><div class=3D"mj-column-per-100 mj-outloo=
k-group-fix" style=3D"font-size:0px;text-align:left;direction:ltr;display:i=
nline-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"left" style=3D"font-size:0px;padding:10px=
 25px;padding-top:0px;padding-bottom:0px;word-break:break-word;"><div style=
=3D"font-family:Arial, sans-serif;font-size:14px;letter-spacing:normal;line=
-height:1;text-align:left;color:#000000;"><p class=3D"text-build-content" s=
tyle=3D"line-height: 22px; text-align: center; margin: 10px 0; margin-top: =
10px; margin-bottom: 10px;" data-testid=3D"gMiwROBBG"><span style=3D"font-f=
amily:Arial;font-size:14px;">For absolute peace of mind, simply <b>subscrib=
e to CTOS SecureID credit monitoring and fraud protection service</b>. For =
only RM8.90/month or RM86.90/year, you=E2=80=99ll get ALL the protection an=
d coverage below:</span></p></div></td></tr><tr><td align=3D"center" style=
=3D"font-size:0px;padding:10px 25px 10px 25px;padding-top:10px;padding-righ=
t:25px;padding-left:25px;word-break:break-word;"><table border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"border-collaps=
e:collapse;border-spacing:0px;"><tbody><tr><td style=3D"width:520px;"><img =
alt=3D"" height=3D"auto" src=3D"https://xmgz5.mjt.lu/tplimg/xmgz5/b/0qqs0/v=
7lkk.png" style=3D"border:none;display:block;outline:none;text-decoration:n=
one;height:auto;width:100%;font-size:13px;" width=3D"520"></td></tr></tbody=
></table></td></tr><tr><td align=3D"left" style=3D"font-size:0px;padding:10=
px 25px;padding-top:0px;padding-bottom:0px;word-break:break-word;"><div sty=
le=3D"font-family:Arial, sans-serif;font-size:14px;letter-spacing:normal;li=
ne-height:1;text-align:left;color:#000000;"><p class=3D"text-build-content"=
 style=3D"line-height: 22px; text-align: center; margin: 10px 0; margin-top=
: 10px; margin-bottom: 10px;" data-testid=3D"blDZee0xm"><span style=3D"font=
-family:Arial;font-size:14px;">You may also <b>login to purchase a single M=
yCTOS Score report</b> if you're not ready to subscribe right now.</span></=
p></div></td></tr><tr><td align=3D"center" vertical-align=3D"middle" style=
=3D"font-size:0px;padding:10px 25px 10px 25px;padding-right:25px;padding-le=
ft:25px;word-break:break-word;"><table border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" role=3D"presentation" style=3D"border-collapse:separate;line-h=
eight:100%;"><tr><td align=3D"center" bgcolor=3D"#ea1c24" role=3D"presentat=
ion" style=3D"border:0px solid #ffffff;border-radius:3px;cursor:auto;mso-pa=
dding-alt:10px 25px 10px 25px;background:#ea1c24;" valign=3D"middle"><a hre=
f=3D"http://xmgz5.mjt.lu/lnk/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVA=
BgDsMynwcf2eH_S0OergG9anT9KQAO3hE/2/J7BYBb_GagY2cii6TqYM3A/aHR0cHM6Ly9jdG9z=
aWQuY3Rvcy5jb20ubXkvY3Rvc2lkX25ldy9Mb2dpblBhZ2U_dXRtX3NvdXJjZT1FbWFpbCUyMER=
pZ2l0YWwlMjBNYXJrZXRpbmcmdXRtX21lZGl1bT1FbWFpbCZ1dG1fY2FtcGFpZ249RW1haWwlMj=
BEaWdpdGFsJTIwTWFya2V0aW5nJnV0bV9jYW1wYWlnbj1DSUQlMjAtJTIwSG93JTIwdG8lMjBzY=
WZlZ3VhcmQlMjB5b3VyJTIwaWRlbnRpdHklMjB3aGlsZSUyMHNob3BwaW5nJTIwb25saW5lJnV0=
bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1NYWlsamV0" style=3D"display:inline-block=
;background:#ea1c24;color:#ffffff;font-family:Arial, sans-serif;font-size:1=
6px;font-weight:normal;line-height:120%;margin:0;text-decoration:none;text-=
transform:none;padding:10px 25px 10px 25px;mso-padding-alt:0px;border-radiu=
s:3px;" target=3D"_blank"><span style=3D"font-size:16px;"><b>Login</b></spa=
n></a></td></tr></table></td></tr></table></div></td></tr></tbody></table></div><div class=3D"mj-column-per-100 mj-outlook-group-fix" sty=
le=3D"font-size:0px;text-align:left;direction:ltr;display:inline-block;vert=
ical-align:top;width:100%;"><table border=3D"0" cellpadding=3D"0" cellspaci=
ng=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-to=
p:0px;padding-bottom:0px;word-break:break-word;"><div style=3D"font-family:=
Arial, sans-serif;font-size:13px;letter-spacing:normal;line-height:1;text-a=
lign:left;color:#000000;"><p class=3D"text-build-content" style=3D"text-ali=
gn: center; margin: 10px 0; margin-top: 10px; margin-bottom: 10px;" data-te=
stid=3D"OIyMMqtwv"><span style=3D"font-family:Arial;font-size:13px;">Downlo=
ad the free CTOS app</span></p></div></td></tr></table></div></td></tr></tbody></table></div><div style=3D"background:#efeff0;background-color:#efeff0;mar=
gin:0px auto;max-width:600px;"><table align=3D"center" border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"background:#efe=
ff0;background-color:#efeff0;width:100%;"><tbody><tr><td style=3D"border:0p=
x solid #ffffff;direction:ltr;font-size:0px;padding:0px 0px 10px 0px;paddin=
g-bottom:10px;padding-left:0px;padding-right:0px;padding-top:0px;text-align=
:center;"><div class=3D"mj-column-per-25 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%"></table></div><div class=3D"mj-column-per-25 =
mj-outlook-group-fix" style=3D"font-size:0px;text-align:left;direction:ltr;=
display:inline-block;vertical-align:top;width:100%;"><table border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"vertical-a=
lign:top;" width=3D"100%"><tr><td align=3D"center" style=3D"font-size:0px;p=
adding:10px 3px 10px 3px;padding-right:3px;padding-left:3px;word-break:brea=
k-word;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pr=
esentation" style=3D"border-collapse:collapse;border-spacing:0px;"><tbody><=
tr><td style=3D"width:143px;"><a href=3D"http://xmgz5.mjt.lu/lnk/AM0AAJGGEZ=
QAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9KQAO3hE/3/o3y=
D_KcuAzMZOoTCSnZTRg/aHR0cHM6Ly9wbGF5Lmdvb2dsZS5jb20vc3RvcmUvYXBwcy9kZXRhaWx=
zP2lkPW15LmNvbS5jdG9zLmFuZHJvaWQmdXRtX2NhbXBhaWduPUNJRCUyMC0lMjBIb3clMjB0by=
UyMHNhZmVndWFyZCUyMHlvdXIlMjBpZGVudGl0eSUyMHdoaWxlJTIwc2hvcHBpbmclMjBvbmxpb=
mUmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPU1haWxqZXQ" target=3D"_blank"><img =
alt=3D"" height=3D"auto" src=3D"https://xmgz5.mjt.lu/tplimg/xmgz5/b/0glqt/v=
7sug.png" style=3D"border:none;display:block;outline:none;text-decoration:n=
one;height:auto;width:100%;font-size:13px;" width=3D"143"></a></td></tr></t=
body></table></td></tr></table></div><div class=3D"mj-col=
umn-per-25 mj-outlook-group-fix" style=3D"font-size:0px;text-align:left;dir=
ection:ltr;display:inline-block;vertical-align:top;width:100%;"><table bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D=
"vertical-align:top;" width=3D"100%"><tr><td align=3D"center" style=3D"font=
-size:0px;padding:10px 3px 10px 3px;padding-right:3px;padding-left:3px;word=
-break:break-word;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=
 role=3D"presentation" style=3D"border-collapse:collapse;border-spacing:0px=
;"><tbody><tr><td style=3D"width:144px;"><a href=3D"http://xmgz5.mjt.lu/lnk=
/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9KQ=
AO3hE/4/XjSp7gyFK8UJ-4FJcamZtQ/aHR0cHM6Ly9pdHVuZXMuYXBwbGUuY29tL3VzL2FwcC9j=
dG9zL2lkNjU2NTI4NDgzP210PTgmdXRtX2NhbXBhaWduPUNJRCUyMC0lMjBIb3clMjB0byUyMHN=
hZmVndWFyZCUyMHlvdXIlMjBpZGVudGl0eSUyMHdoaWxlJTIwc2hvcHBpbmclMjBvbmxpbmUmdX=
RtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPU1haWxqZXQ" target=3D"_blank"><img alt=
=3D"" height=3D"auto" src=3D"https://xmgz5.mjt.lu/tplimg/xmgz5/b/0glqt/v7su=
z.png" style=3D"border:none;display:block;outline:none;text-decoration:none=
;height:auto;width:100%;font-size:13px;" width=3D"144"></a></td></tr></tbod=
y></table></td></tr></table></div><div class=3D"mj-column=
-per-25 mj-outlook-group-fix" style=3D"font-size:0px;text-align:left;direct=
ion:ltr;display:inline-block;vertical-align:top;width:100%;"><table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"v=
ertical-align:top;" width=3D"100%"></table></div></td></tr></tbody></table></div><div class=3D=
"mj-column-per-100 mj-outlook-group-fix" style=3D"font-size:0px;text-align:=
left;direction:ltr;display:inline-block;vertical-align:top;width:100%;"><ta=
ble border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"vertical-align:top;" width=3D"100%"><tr><td style=3D"font-size:0px=
;padding:0px;padding-top:0px;padding-bottom:0px;word-break:break-word;"><di=
v style=3D"font-family:Arial, sans-serif;font-size:13px;letter-spacing:norm=
al;line-height:24px;color:#000000;"><div style=3D"text-align: center;"><str=
ong><span style=3D"font-size:12px"><span style=3D"font-family:arial,helveti=
ca neue,helvetica,sans-serif"><span style=3D"color:rgb(239, 65, 35)"><a hre=
f=3D"http://xmgz5.mjt.lu/lnk/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVA=
BgDsMynwcf2eH_S0OergG9anT9KQAO3hE/5/0hsR6JlRfz42RLejmKBdQw/aHR0cDovL3d3dy5j=
dG9zY3JlZGl0LmNvbS5teS9oZWxwP3V0bV9jYW1wYWlnbj1DSUQlMjAtJTIwSG93JTIwdG8lMjB=
zYWZlZ3VhcmQlMjB5b3VyJTIwaWRlbnRpdHklMjB3aGlsZSUyMHNob3BwaW5nJTIwb25saW5lJn=
V0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1NYWlsamV0" style=3D"; text-decoration:=
 none;"><img align=3D"center" data-file-id=3D"477369" height=3D"22" src=3D"=
https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr1s7.png" style=3D"border: 0px  =
; width: 21px; height: 21px; margin: 0px;" width=3D"25"></a></span>&nbsp; <=
/span></span><span style=3D"font-size:11px"><a href=3D"http://xmgz5.mjt.lu/=
lnk/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT=
9KQAO3hE/6/hP__-rH8FAu-cjtFQRUJ0Q/aHR0cDovL3d3dy5jdG9zY3JlZGl0LmNvbS5teS9oZ=
WxwLz91dG1fY2FtcGFpZ249Q0lEJTIwLSUyMEhvdyUyMHRvJTIwc2FmZWd1YXJkJTIweW91ciUy=
MGlkZW50aXR5JTIwd2hpbGUlMjBzaG9wcGluZyUyMG9ubGluZSZ1dG1fbWVkaXVtPWVtYWlsJnV=
0bV9zb3VyY2U9TWFpbGpldA" target=3D"_blank" style=3D"; text-decoration: none=
;"><span style=3D"color:rgb(0, 0, 0)"><span style=3D"font-family:arial,helv=
etica neue,helvetica,sans-serif">Frequently Asked Questions</span></span></=
a></span></strong><br><br><strong><span style=3D"font-family:arial,helvetic=
a neue,helvetica,sans-serif"><a href=3D"http://xmgz5.mjt.lu/lnk/AM0AAJGGEZQ=
AAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9KQAO3hE/7/_4F4=
z-6kBwlF35l8XZTXWw/aHR0cHM6Ly9jdG9zaWQuY3Rvcy5jb20ubXkvY3Rvc2lkX25ldy9TaW1w=
bGVSZWdpc3Rlcj8mdXRtX2NhbXBhaWduPUNJRCUyMC0lMjBIb3clMjB0byUyMHNhZmVndWFyZCU=
yMHlvdXIlMjBpZGVudGl0eSUyMHdoaWxlJTIwc2hvcHBpbmclMjBvbmxpbmUmdXRtX21lZGl1bT=
1lbWFpbCZ1dG1fc291cmNlPU1haWxqZXQ" style=3D"; text-decoration: none;"><span=
 style=3D"color:rgb(0, 0, 0)"><img align=3D"center" data-file-id=3D"477377"=
 height=3D"22" src=3D"https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr1sy.png" =
style=3D"border: 0px  ; width: 21px; height: 21px; margin: 0px;" width=3D"2=
4"></span></a></span><span style=3D"font-size:10px"><span style=3D"color:rg=
b(0, 0, 0)"><span style=3D"font-family:arial,helvetica neue,helvetica,sans-=
serif">&nbsp; </span></span><span style=3D"font-family:arial,helvetica neue=
,helvetica,sans-serif"><a href=3D"http://xmgz5.mjt.lu/lnk/AM0AAJGGEZQAAchjk=
hoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9KQAO3hE/8/y-nkKzc1eD=
u5zNHUXYTkAg/aHR0cHM6Ly9jdG9zaWQuY3Rvcy5jb20ubXkvY3Rvc2lkX25ldy9TaW1wbGVSZW=
dpc3Rlcj91dG1fY2FtcGFpZ249Q0lEJTIwLSUyMEhvdyUyMHRvJTIwc2FmZWd1YXJkJTIweW91c=
iUyMGlkZW50aXR5JTIwd2hpbGUlMjBzaG9wcGluZyUyMG9ubGluZSZ1dG1fbWVkaXVtPWVtYWls=
JnV0bV9zb3VyY2U9TWFpbGpldA" target=3D"_blank" style=3D"; text-decoration: n=
one;"><span style=3D"color:rgb(0, 0, 0)">Live Chat Support</span></a></span=
><span style=3D"color:rgb(0, 0, 0)"><span style=3D"font-family:arial,helvet=
ica neue,helvetica,sans-serif"> &nbsp; | &nbsp;&nbsp;</span></span></span><=
span style=3D"font-size:10px"><span style=3D"font-family:arial,helvetica ne=
ue,helvetica,sans-serif"><a href=3D"http://xmgz5.mjt.lu/lnk/AM0AAJGGEZQAAch=
jkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9KQAO3hE/9/W7KPAhxK=
DkRWSQMEcEv07A/aHR0cDovL3d3dy5jdG9zY3JlZGl0LmNvbS5teT91dG1fY2FtcGFpZ249Q0lE=
JTIwLSUyMEhvdyUyMHRvJTIwc2FmZWd1YXJkJTIweW91ciUyMGlkZW50aXR5JTIwd2hpbGUlMjB=
zaG9wcGluZyUyMG9ubGluZSZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9TWFpbGpldA" st=
yle=3D"; text-decoration: none;"><span style=3D"color:rgb(0, 0, 0)"><img al=
ign=3D"center" data-file-id=3D"477381" height=3D"22" src=3D"https://xmgz5.m=
jt.lu/tplimg/xmgz5/b/x4h7h/vr1s9.png" style=3D"border: 0px  ; width: 21px; =
height: 21px; margin: 0px;" width=3D"25"></span></a></span></span><span sty=
le=3D"font-size:10px"><span style=3D"color:rgb(0, 0, 0)"><span style=3D"fon=
t-family:arial,helvetica neue,helvetica,sans-serif">&nbsp; </span></span><s=
pan style=3D"font-family:arial,helvetica neue,helvetica,sans-serif"><a href=
=3D"http://xmgz5.mjt.lu/lnk/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVAB=
gDsMynwcf2eH_S0OergG9anT9KQAO3hE/10/cq1gpNl8SFS3ausU7NXyxw/aHR0cDovL3d3dy5j=
dG9zY3JlZGl0LmNvbS5teT91dG1fY2FtcGFpZ249Q0lEJTIwLSUyMEhvdyUyMHRvJTIwc2FmZWd=
1YXJkJTIweW91ciUyMGlkZW50aXR5JTIwd2hpbGUlMjBzaG9wcGluZyUyMG9ubGluZSZ1dG1fbW=
VkaXVtPWVtYWlsJnV0bV9zb3VyY2U9TWFpbGpldA" target=3D"_blank" style=3D"; text=
-decoration: none;"><span style=3D"color:rgb(0, 0, 0)">www.ctoscredit.com.m=
y</span></a></span><span style=3D"color:rgb(0, 0, 0)"><span style=3D"font-f=
amily:arial,helvetica neue,helvetica,sans-serif"> &nbsp; | &nbsp;&nbsp;</sp=
an></span></span><span style=3D"font-size:10px"><span style=3D"font-family:=
arial,helvetica neue,helvetica,sans-serif"><a href=3D"http://xmgz5.mjt.lu/l=
nk/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9=
KQAO3hE/11/HhVvL-_f0XxzNbwPtCVolw/aHR0cDovL3d3dy5jdG9zY3JlZGl0LmNvbS5teS9jb=
250YWN0LWN0b3MuaHRtbD9sbmc9ZW4mdXRtX2NhbXBhaWduPUNJRCUyMC0lMjBIb3clMjB0byUy=
MHNhZmVndWFyZCUyMHlvdXIlMjBpZGVudGl0eSUyMHdoaWxlJTIwc2hvcHBpbmclMjBvbmxpbmU=
mdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPU1haWxqZXQ" style=3D"; text-decoratio=
n: none;"><span style=3D"color:rgb(0, 0, 0)"><img align=3D"center" data-fil=
e-id=3D"477385" height=3D"22" src=3D"https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4=
h7h/vr11w.png" style=3D"border: 0px  ; width: 21px; height: 21px; margin: 0=
px;" width=3D"25"></span></a></span></span><span style=3D"font-size:10px"><=
span style=3D"color:rgb(0, 0, 0)"><span style=3D"font-family:arial,helvetic=
a neue,helvetica,sans-serif">&nbsp; </span></span><span style=3D"font-famil=
y:arial,helvetica neue,helvetica,sans-serif"><a href=3D"http://xmgz5.mjt.lu=
/lnk/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9an=
T9KQAO3hE/12/vtGixPreXZvQawEEBfw0ow/aHR0cDovL3d3dy5jdG9zY3JlZGl0LmNvbS5teS9=
jb250YWN0LXVzLz91dG1fY2FtcGFpZ249Q0lEJTIwLSUyMEhvdyUyMHRvJTIwc2FmZWd1YXJkJT=
IweW91ciUyMGlkZW50aXR5JTIwd2hpbGUlMjBzaG9wcGluZyUyMG9ubGluZSZ1dG1fbWVkaXVtP=
WVtYWlsJnV0bV9zb3VyY2U9TWFpbGpldA" target=3D"_blank" style=3D"; text-decora=
tion: none;"><span style=3D"color:rgb(0, 0, 0)">View list of branches</span=
></a></span></span></strong></div></div></td></tr><tr><td style=3D"font-siz=
e:0px;word-break:break-word;"><div style=3D"height:15=
px;">&nbsp;</div></td></tr>=
<tr><td style=3D"font-size:0px;padding:0px;padding-top:0px;padding-bottom:0=
px;word-break:break-word;"><div style=3D"font-family:Arial, sans-serif;font=
-size:13px;letter-spacing:normal;line-height:24px;color:#000000;"><div styl=
e=3D"text-align: center;"><a href=3D"http://xmgz5.mjt.lu/lnk/AM0AAJGGEZQAAc=
hjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9KQAO3hE/13/GOuUwO=
TFyHR-aKizDmCkJQ/aHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL2N0b3NkYXRhc3lzdGVtcy8_dX=
RtX2NhbXBhaWduPUNJRCUyMC0lMjBIb3clMjB0byUyMHNhZmVndWFyZCUyMHlvdXIlMjBpZGVud=
Gl0eSUyMHdoaWxlJTIwc2hvcHBpbmclMjBvbmxpbmUmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291=
cmNlPU1haWxqZXQ" target=3D"_blank" style=3D"; text-decoration: none;"><img =
data-file-id=3D"478597" height=3D"26" src=3D"https://xmgz5.mjt.lu/tplimg/xm=
gz5/b/x4h7h/vr11x.png" style=3D"border: 0px initial ; width: 26px; height: =
26px; margin: 0px;" width=3D"26"></a>&nbsp;<a href=3D"http://xmgz5.mjt.lu/l=
nk/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9=
KQAO3hE/14/RAYgYiAPx0d9MZvmG-hicQ/aHR0cHM6Ly93d3cubGlua2VkaW4uY29tL2NvbXBhb=
nkvY3Rvcy1kYXRhLXN5c3RlbXM_dXRtX2NhbXBhaWduPUNJRCUyMC0lMjBIb3clMjB0byUyMHNh=
ZmVndWFyZCUyMHlvdXIlMjBpZGVudGl0eSUyMHdoaWxlJTIwc2hvcHBpbmclMjBvbmxpbmUmdXR=
tX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPU1haWxqZXQ" target=3D"_blank" style=3D"; =
text-decoration: none;"><img data-file-id=3D"478601" height=3D"26" src=3D"h=
ttps://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr110.png" style=3D"border: 0px in=
itial ; width: 26px; height: 26px; margin: 0px;" width=3D"26"></a>&nbsp;<a =
href=3D"http://xmgz5.mjt.lu/lnk/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8=
SVABgDsMynwcf2eH_S0OergG9anT9KQAO3hE/15/qvci63bRkByCVKgTajZl3A/aHR0cHM6Ly93=
d3cueW91dHViZS5jb20vY2hhbm5lbC9VQ1dCalQ1eHp0bXRaUUJESGRQc0tYT1E_dXRtX2NhbXB=
haWduPUNJRCUyMC0lMjBIb3clMjB0byUyMHNhZmVndWFyZCUyMHlvdXIlMjBpZGVudGl0eSUyMH=
doaWxlJTIwc2hvcHBpbmclMjBvbmxpbmUmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPU1ha=
WxqZXQ" target=3D"_blank" style=3D"; text-decoration: none;"><img data-file=
-id=3D"478605" height=3D"26" src=3D"https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h=
7h/vr11s.png" style=3D"border: 0px initial ; width: 26px; height: 26px; mar=
gin: 0px;" width=3D"26"></a>&nbsp;<a href=3D"http://xmgz5.mjt.lu/lnk/AM0AAJ=
GGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9KQAO3hE/1=
6/bC44_3m7yU1F7WDzZ2I6Cg/aHR0cHM6Ly93d3cuaW5zdGFncmFtLmNvbS9jdG9zY3JlZGl0Lz=
91dG1fY2FtcGFpZ249Q0lEJTIwLSUyMEhvdyUyMHRvJTIwc2FmZWd1YXJkJTIweW91ciUyMGlkZ=
W50aXR5JTIwd2hpbGUlMjBzaG9wcGluZyUyMG9ubGluZSZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9z=
b3VyY2U9TWFpbGpldA" target=3D"_blank" style=3D"; text-decoration: none;"><i=
mg data-file-id=3D"478593" height=3D"26" src=3D"https://xmgz5.mjt.lu/tplimg=
/xmgz5/b/x4h7h/vr111.png" style=3D"border: 0px  ; width: 26px; height: 26px=
; margin: 0px;" width=3D"26"></a></div></div></td></tr></table></div></td></tr></tbody></table></div><=
!--[if mso | IE]></td></tr></table><table align=3D"center" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" class=3D"" style=3D"width:600px;" width=3D=
"600" ><tr><td style=3D"line-height:0px;font-size:0px;mso-line-height-rule:=
exactly;"><![endif]--><div style=3D"margin:0px auto;max-width:600px;"><tabl=
e align=3D"center" border=3D"0" cellpadding=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-100 mj-outlook-group-fix" style=3D"font-s=
ize:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:t=
op;width:100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
e=3D"presentation" width=3D"100%"><tbody><tr><td style=3D"vertical-align:to=
p;padding:0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation" 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-w=
ord;"><div style=3D"font-family:Arial, sans-serif;font-size:13px;letter-spa=
cing:normal;line-height:1;text-align:left;color:#000000;"><p class=3D"text-=
build-content" style=3D"text-align: center; margin: 10px 0; margin-top: 10p=
x; margin-bottom: 10px;"><span style=3D"color:#000000;font-size:13px;line-h=
eight:22px;font-family:Arial;">This e-mail has been sent to ramesh@saraya.c=
om.my, </span><a target=3D"_blank" href=3D"http://xmgz5.mjt.lu/unsub2?hl=3D=
en&amp;m=3DAM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38QAm8GnAA8SVABgDsMynwcf2eH_S0Oe=
rgG9anT9KQAO3hE&amp;b=3D87425e29&amp;e=3Df9f11ea6&amp;x=3DkQhavHJ-WhJ4s-z7E=
gKXqqb0raR6PUhe6TMqcrH0KEU" style=3D"; text-decoration: none;"><span style=
=3D"color:#000000;font-size:13px;line-height:22px;font-family:Arial;">click=
 here to unsubscribe</span></a><span style=3D"color:#000000;font-size:13px;=
line-height:22px;font-family:Arial;">.</span></p></div></td></tr></table></=
td></tr></tbody></table></div></td></tr></tbody></table></div></div>
<br/><img src=3D"http://xmgz5.mjt.lu/oo/AM0AAJGGEZQAAchjkhoAALFa2t8AAYCr38Q=
Am8GnAA8SVABgDsMynwcf2eH_S0OergG9anT9KQAO3hE/3677f57a/e.gif" height=3D"1" w=
idth=3D"1" alt=3D"" border=3D"0" style=3D"height:1px;width:1px;border:0;"/>
</body></html>=

--=-2X7DcoZJmPio6qBLarpV--