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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: Fri, 16 Jul 2021 15:07:02 +0000 (UTC)
Feedback-Id: 42.987732.974353:MJ
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[https://xmgz5.mjt.lu/tplimg/xmgz5/b/skn15/v7gn2.png]

B. Malaysia [http://xmgz5.mjt.lu/nl2/xmgz5/5r0gm.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]

[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 | =C2=A0=C2=A0[https://xmgz5.=
mjt.lu/tplimg/xmgz5/b/x4h7h/vr1s9.png] [http://www.ctoscredit.com.my]=C2=A0=
 www.ctoscredit.com.my [http://www.ctoscredit.com.my] =C2=A0 | =C2=A0=C2=A0=
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t.com.my/contact-ctos.html?lng=3Den]=C2=A0 View list of branches [http://ww=
w.ctoscredit.com.my/contact-us/]

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0.png] [https://www.linkedin.com/company/ctos-data-systems]=C2=A0[https://x=
mgz5.mjt.lu/tplimg/xmgz5/b/x4h7h/vr11s.png] [https://www.youtube.com/channe=
l/UCWBjT5xztmtZQBDHdPsKXOQ]=C2=A0[https://xmgz5.mjt.lu/tplimg/xmgz5/b/x4h7h=
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px;padding-bottom:0px;padding-left:15px;padding-right:15px;padding-top:10px=
;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"font-size:0px;padd=
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1px; text-align: center; margin: 10px 0; margin-top: 10px;" data-testid=3D"=
kkUgSKIOd"><span style=3D"font-family:Arial;font-size:14px;">It is importan=
t to stay on top of your credit health and your financial responsibilities.=
 Check your latest MyCTOS Score report anytime, anywhere. Simply login or d=
ownload the CTOS mobile app for more convenience.</span></p><p class=3D"tex=
t-build-content" style=3D"line-height: 21px; text-align: center; margin: 10=
px 0; margin-bottom: 10px;" data-testid=3D"kkUgSKIOd"><span style=3D"font-f=
amily: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 clas=
s=3D"mj-column-per-50 mj-outlook-group-fix" style=3D"font-size:0px;text-ali=
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on" style=3D"vertical-align:top;" width=3D"100%"><tr><td align=3D"left" sty=
le=3D"background:#d5d3d6;font-size:0px;padding:0px 20px 0px 20px;padding-to=
p:0px;padding-right:20px;padding-bottom:0px;padding-left:20px;word-break:br=
eak-word;"><div style=3D"font-family:Arial, sans-serif;font-size:14px;lette=
r-spacing:normal;line-height:1;text-align:left;color:#000000;"><p class=3D"=
text-build-content" style=3D"line-height: 21px; margin: 10px 0; margin-top:=
 10px;" data-testid=3D"zvQGPhWw-"><span style=3D"color:#037b85;font-family:=
Arial;font-size:15px;"><i><b>=E2=93=98 Did you know?</b></i></span></p><p c=
lass=3D"text-build-content" style=3D"line-height: 21px; margin: 10px 0; mar=
gin-bottom: 10px;" data-testid=3D"zvQGPhWw-"><span style=3D"font-family:Ari=
al;font-size:12px;"><i>Your CCRIS information with Bank Negara Malaysia (BN=
M) is updated <b>on the 15th of every month</b>. Therefore the information =
in your credit report, including your CTOS Score, will also change accordin=
gly. We recommend 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: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"direction:ltr;font-size:0px;padding:=
10px 0px 0px 0px;padding-bottom:0px;padding-left:0px;padding-right:0px;padd=
ing-top:10px;text-align:center;"><div class=3D"mj-colum=
n-per-100 mj-outlook-group-fix" style=3D"font-size:0px;text-align:left;dire=
ction:ltr;display:inline-block;vertical-align:top;width:100%;"><table borde=
r=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-si=
ze:0px;padding:10px 25px;padding-top:0px;padding-bottom:0px;word-break:brea=
k-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"te=
xt-build-content" style=3D"text-align: center; margin: 10px 0; margin-top: =
10px; margin-bottom: 10px;" data-testid=3D"OIyMMqtwv"><span style=3D"font-f=
amily:Arial;font-size:13px;">Download the free CTOS app</span></p></div></t=
d></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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