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From: Your CTOS Team <marketing@marketing.ctos.com.my>
To: ramesh@saraya.com.my
Subject: Loan rejected? Here's what to do next
Date: Tue,  4 May 2021 06:18:26 +0000 (UTC)
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Getting your loan application rejected can be extremely disappointing. Howe=
ver, the power to change the outcome is in your hands! Here are 3 steps you=
 can take to ensure your next loan application has a higher chance of appro=
val:

[https://xmgz5.mjt.lu/tplimg/xmgz5/b/stit7/v755n.png]
Check your updated MyCTOS Score report to know what your current CTOS Score=
 is and how your credit health is doing. This way, you can take steps to im=
prove your score or fix any errors you find (such as a low credit score or =
missed payments), so that banks and lenders will be more likely to approve =
your loan application.=C2=A0

<<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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ble></div><div style=3D"background:#ffffff;backgroun=
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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:10px=
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top:10px;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"font-siz=
e:0px;padding:10px 25px;padding-top:0px;padding-bottom:0px;word-break:break=
-word;"><div style=3D"font-family:Arial, sans-serif;font-size:13px;letter-s=
pacing:normal;line-height:1;text-align:left;color:#000000;"><p class=3D"tex=
t-build-content" style=3D"line-height: 21px; text-align: center; margin: 10=
px 0; margin-top: 10px; margin-bottom: 10px;" data-testid=3D"PkQC3C5Y1d"><s=
pan style=3D"font-family:Arial;font-size:14px;">Getting your loan applicati=
on rejected can be extremely disappointing. However, the power to change th=
e outcome is in your hands! Here are 3 steps you can take to ensure your ne=
xt loan application has a higher chance of approval:</span></p></div></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=
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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 align=3D"center" style=
=3D"font-size:0px;padding:10px 25px;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:=
550px;"><img alt=3D"" height=3D"auto" src=3D"https://xmgz5.mjt.lu/tplimg/xm=
gz5/b/stit7/v755n.png" style=3D"border:none;display:block;outline:none;text=
-decoration:none;height:auto;width:100%;font-size:13px;" width=3D"550"></td=
></tr></tbody></table></td></tr><tr><td align=3D"left" style=3D"font-size:0=
px;padding:0px 25px 0px 25px;padding-top:0px;padding-right:25px;padding-bot=
tom:0px;padding-left:25px;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" style=3D"line-he=
ight: 21px; text-align: center; margin: 10px 0; margin-top: 10px; margin-bo=
ttom: 10px;" data-testid=3D"8beegCfPD"><span style=3D"color:#000000;font-fa=
mily:Arial;font-size:14px;">Check your updated MyCTOS Score report to know =
what your current CTOS Score is and how your credit health is doing. This w=
ay, you can take steps to improve your score or fix any errors you find (su=
ch as a low credit score or missed payments), so that banks and lenders wil=
l be more likely to approve your loan application.&nbsp;</span></p></div></=
td></tr></table></div></td>=
</tr></tbody></table></div><div style=3D"background:=
#ffffff;background-color:#ffffff;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:#ffffff;background-color:#ffffff;width:100%=
;"><tbody><tr><td style=3D"border:0px solid #ffffff;direction:ltr;font-size=
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right:0px;padding-top:0px;text-align:center;"><div clas=
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on" style=3D"vertical-align:top;" width=3D"100%"><tr><td align=3D"center" v=
ertical-align=3D"middle" style=3D"font-size:0px;padding:10px 25px 10px 25px=
;padding-right:25px;padding-left:25px;word-break:break-word;"><table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"b=
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ckground:#ed1c24;color:#ffffff;font-family:Arial, sans-serif;font-size:15px=
;font-weight:normal;line-height:120%;margin:0;text-decoration:none;text-tra=
nsform:none;padding:10px 25px 10px 25px;mso-padding-alt:0px;border-radius:3=
px;" target=3D"_blank"><span style=3D"font-size: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:#efeff0;background-color:#efeff0;m=
argin:0px auto;max-width:600px;"><table align=3D"center" border=3D"0" cellp=
adding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"background:#e=
feff0;background-color:#efeff0;width:100%;"><tbody><tr><td style=3D"border:=
0px solid #ffffff;direction:ltr;font-size:0px;padding:10px 0px 0px 0px;padd=
ing-bottom:0px;padding-left:0px;padding-right:0px;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"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: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=
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ze:13px;">Download the free CTOS app</span></p></div></td></tr></table></di=
v></td></tr></tbody></table=
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-color:#efeff0;margin:0px auto;max-width:600px;"><table align=3D"center" bo=
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er-25 mj-outlook-group-fix" style=3D"font-size:0px;text-align:left;directio=
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