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From: Your CTOS Team <marketing@marketing.ctos.com.my>
To: ramesh@saraya.com.my
Subject: 'Strengthen' your Credit Health this Year of the Ox!
Date: Tue,  2 Feb 2021 15:08:41 +0000 (UTC)
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MALAY [http://xmgz5.mjt.lu/nl2/xmgz5/5rw9g.html?hl=3Den]

As we adjust our lives to the New Normal and learn from the challenges of t=
he past year, let's take inspiration from the ox - to be tough and resilien=
t in the face of adversity, for ourselves and our loved ones.

Let's strive to be stronger in all ways this year, especially when it comes=
 to finances and credit health. To ensure you are on top of your credit hea=
lth, simply check your updated MyCTOS Score report.

Gong Xi Fa Cai  from us at CTOS!

<<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]

Learn how to improve your CTOS Score. [https://ctoscredit.com.my/learn/how-=
to-improve-your-ctos-score/]

Download the free CTOS app

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

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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=
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body><tr><td style=3D"border:0px solid #ffffff;direction:ltr;font-size:0px;=
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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;" data-testid=3D"kkUgSKIOd"><span style=3D"font-family=
:Arial;font-size:14px;line-height:20px;">As we adjust our lives to the New =
Normal and learn from the challenges of the past year, let's take inspirati=
on from the ox - to be tough and resilient in the face of adversity, for ou=
rselves and our loved ones.</span></p><p class=3D"text-build-content" style=
=3D"text-align: center; margin: 10px 0;" data-testid=3D"kkUgSKIOd"><span st=
yle=3D"font-family:Arial;font-size:14px;line-height:20px;">Let's strive to =
be stronger in all ways this year, especially when it comes to finances and=
 credit health. To ensure you are on top of your credit health, simply chec=
k your updated MyCTOS Score report.</span></p><p class=3D"text-build-conten=
t" style=3D"text-align: center; margin: 10px 0; margin-bottom: 10px;" data-=
testid=3D"kkUgSKIOd"><span style=3D"color:#ed1c24;font-family:Arial;font-si=
ze:14px;line-height:20px;"><b>Gong Xi Fa Cai</b></span><span style=3D"font-=
family:Arial;font-size:14px;line-height:20px;"> from us at CTOS!</span></p>=
</div></td></tr></table></div></td></tr></tbody></table></div><div style=3D"ba=
ckground:#ffffff;background-color:#ffffff;margin:0px auto;max-width:600px;"=
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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=
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llspacing=3D"0" role=3D"presentation" style=3D"border-collapse:separate;lin=
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rt</b></span></a></td></tr></table></td></tr></table></div></td></tr></tbody></table></div><div style=3D"background:#ffffff;background-color:#ffffff;mar=
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x solid #ffffff;direction:ltr;font-size:0px;padding:0px 15px 10px 15px;padd=
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=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"vertical-align:top;=
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 25px;padding-top: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-align:left;color:#000000;"><p class=3D"text-build-content" s=
tyle=3D"text-align: center; margin: 10px 0; margin-top: 10px; margin-bottom=
: 10px;" data-testid=3D"lhCCSh3TN"><a class=3D"link-build-content" style=3D=
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mgz5.mjt.lu/lnk/AMcAAEfQ8awAAchjlGYAALFa2t8AAYCr38QAm8GnAA8SVABgGWtr-22R5f5=
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S5teS9sZWFybi9ob3ctdG8taW1wcm92ZS15b3VyLWN0b3Mtc2NvcmUvP3V0bV9jYW1wYWlnbj0n=
U3RyZW5ndGhlbiclMjB5b3VyJTIwQ3JlZGl0JTIwSGVhbHRoJTIwdGhpcyUyMFllYXIlMjBvZiU=
yMHRoZSUyME94ISZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9TWFpbGpldA"><span styl=
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ve your CTOS Score.</u></span></a></p></div></td></tr></table></div></td></tr></tbody></table></div><!=
--[if mso | IE]></td></tr></table><table align=3D"center" border=3D"0" cell=
padding=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:e=
xactly;"><![endif]--><div style=3D"background:#efeff0;background-color:#efe=
ff0;margin:0px auto;max-width:600px;"><table align=3D"center" border=3D"0" =
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nd:#efeff0;background-color:#efeff0;width:100%;"><tbody><tr><td style=3D"bo=
rder:0px solid #ffffff;direction:ltr;font-size:0px;padding:10px 0px 0px 0px=
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t-align:center;"><div class=3D"mj-column-per-100 mj-out=
look-group-fix" style=3D"font-size:0px;text-align:left;direction:ltr;displa=
y:inline-block;vertical-align:top;width:100%;"><table border=3D"0" cellpadd=
ing=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"vertical-align:t=
op;" width=3D"100%"><tr><td align=3D"left" style=3D"font-size:0px;padding:1=
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yle=3D"font-family:Arial, sans-serif;font-size:13px;letter-spacing:normal;l=
ine-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-bot=
tom: 10px;" data-testid=3D"OIyMMqtwv"><span style=3D"font-family:Arial;font=
-size:13px;">Download the free CTOS app</span></p></div></td></tr></table><=
/div></td></tr></tbody></ta=
ble></div><div style=3D"background:#efeff0;backgroun=
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er-25 mj-outlook-group-fix" style=3D"font-size:0px;text-align:left;directio=
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ical-align:top;" width=3D"100%"></table></div><div class=
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