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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: Wed, 16 Jun 2021 05:40:48 +0000 (UTC)
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[https://xmgz5.mjt.lu/tplimg/xmgz5/b/x7klo/vris3.jpeg]

B. Malaysia [http://xmgz5.mjt.lu/nl2/xmgz5/5r02q.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:=C2=A0

[https://xmgz5.mjt.lu/tplimg/xmgz5/b/0yh53/v7m9r.jpeg]

[https://xmgz5.mjt.lu/tplimg/xmgz5/b/0yh53/v7m97.jpeg]

=E2=93=98 Did you know?

Your CCRIS information with Bank Negara Malaysia (BNM) is updated on the 15=
th of every 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://itunes.apple.com/us/app/ctos/id656528483?mt=3D8]

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

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t.com.my/help]=C2=A0 Frequently Asked Questions [http://www.ctoscredit.com.=
my/help/]

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p:10px;text-align:center;"><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%;"><table border=3D"0=
" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"vertic=
al-align:top;" width=3D"100%"><tr><td align=3D"left" style=3D"font-size:0px=
;padding:0px 15px 0px 15px;padding-top:0px;padding-right:15px;padding-botto=
m:0px;padding-left:15px;word-break:break-word;"><div style=3D"font-family:A=
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ht: 21px; text-align: center; margin: 10px 0; margin-top: 10px;" data-testi=
d=3D"kkUgSKIOd"><span style=3D"font-family:Arial;font-size:14px;">It is imp=
ortant to stay on top of your credit health and your financial responsibili=
ties. Check your latest MyCTOS Score report anytime, anywhere. Simply 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: center; mar=
gin: 10px 0; margin-bottom: 10px;" data-testid=3D"kkUgSKIOd"><span style=3D=
"font-family:Arial;font-size:14px;">Your updated MyCTOS Score report helps =
you to:&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 align=3D"center" border=3D"0" cellpadding=3D=
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100%;font-size:13px;" width=3D"295"></td></tr></tbody></table></td></tr></t=
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kground-color:#ffffff;margin:0px auto;max-width:600px;"><table align=3D"cen=
ter" border=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;paddin=
g:15px 15px 20px 15px;padding-left:15px;padding-right:15px;padding-top:15px=
;text-align:center;"><div class=3D"mj-column-per-100 m=
j-outlook-group-fix" style=3D"font-size:0px;text-align:left;direction:ltr;d=
isplay:inline-block;vertical-align:top;width:100%;"><table border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"vertical-al=
ign:top;" width=3D"100%"><tr><td align=3D"left" style=3D"background:#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;"><div style=3D=
"font-family:Arial, sans-serif;font-size:14px;letter-spacing:normal;line-he=
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e=3D"line-height: 21px; margin: 10px 0; margin-top: 10px;" data-testid=3D"z=
vQGPhWw-"><span style=3D"color:#037b85;font-family:Arial;font-size:15px;"><=
i><b>=E2=93=98 Did you know?</b></i></span></p><p class=3D"text-build-conte=
nt" style=3D"line-height: 21px; margin: 10px 0; margin-bottom: 10px;" data-=
testid=3D"zvQGPhWw-"><span style=3D"font-family:Arial;font-size:12px;"><i>Y=
our CCRIS information with Bank Negara Malaysia (BNM) is updated <b>on the =
15th of every month</b>. Therefore the information in your credit report, i=
ncluding your CTOS Score, will also change accordingly. We recommend that y=
ou monitor your credit report regularly.</i></span></p></div></td></tr></ta=
ble></div></td></tr></tbody=
></table></div><div style=3D"background:#efeff0;back=
ground-color:#efeff0;margin:0px auto;max-width:600px;"><table align=3D"cent=
er" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"background:#efeff0;background-color:#efeff0;width:100%;"><tbody><t=
r><td style=3D"border:0px solid #ffffff;direction:ltr;font-size:0px;padding=
:10px 0px 0px 0px;padding-bottom:0px;padding-left:0px;padding-right:0px;pad=
ding-top:10px;text-align:center;"><div class=3D"mj-colu=
mn-per-100 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"left" style=3D"font-s=
ize:0px;padding:10px 25px;padding-top:0px;padding-bottom:0px;word-break:bre=
ak-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"t=
ext-build-content" style=3D"text-align: center; margin: 10px 0; margin-top:=
 10px; margin-bottom: 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></table></div><div style=3D"background:=
#efeff0;background-color:#efeff0;margin:0px auto;max-width:600px;"><table a=
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