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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, 15 Feb 2021 22:34:27 +0000 (UTC)
Feedback-Id: 42.987732.974353:MJ
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MALAY [http://xmgz5.mjt.lu/nl2/xmgz5/5rx0r.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]

It is important to stay on top of your credit health and your financial res=
ponsibilities. Check your latest MyCTOS Score report anytime, anywhere. Sim=
ply login or download the CTOS mobile app for more convenience.

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, includi=
ng your CTOS Score, will also change accordingly. We recommend that you mon=
itor your credit report regularly.

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/]

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line-height:24px;"><u>MALAY</u></span></a></p></div></td></tr></table></div=
></td></tr></tbody></table>=
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irection:ltr;display:inline-block;vertical-align:top;width:100%;"><table bo=
rder=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"fon=
t-size:0px;padding:0px 15px 0px 15px;padding-top:0px;padding-right:15px;pad=
ding-bottom:0px;padding-left:15px;word-break:break-word;"><div style=3D"fon=
t-family:Arial, sans-serif;font-size:14px;letter-spacing:normal;line-height=
:1;text-align:left;color:#000000;"><p class=3D"text-build-content" style=3D=
"line-height: 21px; text-align: center; margin: 10px 0; margin-top: 10px;" =
data-testid=3D"kkUgSKIOd"><span style=3D"font-family:Arial;font-size:14px;"=
>It is important to stay on top of your credit health and your financial re=
sponsibilities. Check your latest MyCTOS Score report anytime, anywhere. Si=
mply login or download the CTOS mobile app for more convenience.</span></p>=
<p class=3D"text-build-content" style=3D"line-height: 21px; text-align: cen=
ter; margin: 10px 0; margin-bottom: 10px;" data-testid=3D"kkUgSKIOd"><span =
style=3D"font-family:Arial;font-size:14px;">Your updated MyCTOS Score repor=
t helps you to:&nbsp;</span></p></div></td></tr></table></div></td></tr></tbody></table></div><div style=3D"background:#ffffff;background-color:#ffffff;ma=
rgin:0px auto;max-width:600px;"><table align=3D"center" border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"background:#ff=
ffff;background-color:#ffffff;width:100%;"><tbody><tr><td style=3D"border:0=
px solid #ffffff;direction:ltr;font-size:0px;padding:0px 5px 0px 5px;paddin=
g-bottom:0px;padding-left:5px;padding-right:5px;padding-top:0px;text-align:=
center;"><div class=3D"mj-column-per-50 mj-outlook-grou=
p-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"=
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h=3D"100%"><tr><td align=3D"center" style=3D"font-size:0px;padding:0px 0px =
0px 0px;padding-right:0px;padding-left:0px;word-break:break-word;"><table b=
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"></td></tr></tbody></table></td></tr></table></div><div =
class=3D"mj-column-per-50 mj-outlook-group-fix" style=3D"font-size:0px;text=
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ation" style=3D"vertical-align:top;" width=3D"100%"><tr><td align=3D"center=
" style=3D"font-size:0px;padding:0px 0px 0px 0px;padding-right:0px;padding-=
left:0px;word-break:break-word;"><table border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" style=3D"border-collapse:collapse;borde=
r-spacing:0px;"><tbody><tr><td style=3D"width:295px;"><img alt=3D"" height=
=3D"auto" src=3D"https://xmgz5.mjt.lu/tplimg/xmgz5/b/0yh53/v7m97.jpeg" styl=
e=3D"border:none;display:block;outline:none;text-decoration:none;height:aut=
o;width:100%;font-size:13px;" width=3D"295"></td></tr></tbody></table></td>=
</tr></table></div></td></t=
r></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:15px 15px 20px 15px;padding-left:15px;padding-right:15px;padding=
-top:15px;text-align:center;"><div class=3D"mj-column-p=
er-100 mj-outlook-group-fix" style=3D"font-size:0px;text-align:left;directi=
on: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%"><tr><td align=3D"left" style=3D"backgrou=
nd:#d5d3d6;font-size:0px;padding:0px 20px 0px 20px;padding-top:0px;padding-=
right:20px;padding-bottom:0px;padding-left:20px;word-break:break-word;"><di=
v style=3D"font-family:Arial, sans-serif;font-size:14px;letter-spacing:norm=
al;line-height:1;text-align:left;color:#000000;"><p class=3D"text-build-con=
tent" style=3D"line-height: 21px; margin: 10px 0; margin-top: 10px;" data-t=
estid=3D"zvQGPhWw-"><span style=3D"color:#037b85;font-family:Arial;font-siz=
e:15px;"><i><b>=E2=93=98 Did you know?</b></i></span></p><p class=3D"text-b=
uild-content" style=3D"line-height: 21px; margin: 10px 0; margin-bottom: 10=
px;" data-testid=3D"zvQGPhWw-"><span style=3D"font-family:Arial;font-size:1=
2px;"><i>Your CCRIS information with Bank Negara Malaysia (BNM) is updated =
on <b>every 15th of the month</b>. Therefore the information in your credit=
 report, including your CTOS Score, will also change accordingly. We recomm=
end that you monitor your credit report regularly.</i></span></p></div></td=
></tr></table></div></td></=
tr></tbody></table></div><div style=3D"background:=
#efeff0;background-color:#efeff0;margin:0px auto;max-width:600px;"><table a=
lign=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pr=
esentation" style=3D"background:#efeff0;background-color:#efeff0;width:100%=
;"><tbody><tr><td style=3D"border:0px solid #ffffff;direction:ltr;font-size=
:0px;padding:10px 0px 0px 0px;padding-bottom:0px;padding-left:0px;padding-r=
ight:0px;padding-top:10px;text-align:center;"><div clas=
s=3D"mj-column-per-100 mj-outlook-group-fix" style=3D"font-size:0px;text-al=
ign:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;"=
><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentati=
on" style=3D"vertical-align:top;" width=3D"100%"><tr><td align=3D"left" sty=
le=3D"font-size:0px;padding:10px 25px;padding-top:0px;padding-bottom:0px;wo=
rd-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" style=3D"text-align: center; margin: 10px 0;=
 margin-top: 10px; margin-bottom: 10px;" data-testid=3D"OIyMMqtwv"><span st=
yle=3D"font-family:Arial;font-size:13px;">Download the free CTOS app</span>=
</p></div></td></tr></table></div></td></tr></tbody></table></div><div style=3D=
"background:#efeff0;background-color:#efeff0;margin:0px auto;max-width:600p=
x;"><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" role=3D"presentation" style=3D"background:#efeff0;background-color:#efeff=
0;width:100%;"><tbody><tr><td style=3D"border:0px solid #ffffff;direction:l=
tr;font-size:0px;padding:0px 0px 10px 0px;padding-bottom:10px;padding-left:=
0px;padding-right:0px;padding-top:0px;text-align:center;"><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;w=
idth:100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D=
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