Page 1 of 7

Strictly Confidential
Report No. : CI-5682-20230518215710
Attention
Account
: selfcheckapp (SELFCHECK_APP)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2023-05-18 21:57:10
@ the request of KALAI KUMAR A/L RAMASAMY (720120105065)

At the request of KALAI KUMAR A/L RAMASAMY

(720120105065)
Tuan / Puan,

Mengikut Akta Agensi Pelaporan Kredit 2010 (APK), CTOS hendaklah memaklumkan anda apabila maklumat anda telah dikumpul, diterima dan diproses.
Laporan MyCTOS menunjukkan maklumat yang akan diberikan kepada pelanggan kami apabila diminta, yang mungkin termasuk; institusi-institusi
kewangan, syarikat multinasional, agensi kerajaan, perniagaan, firma undang-undang dan penjamin kredit. Pelanggan kami mungkin memerlukan laporan
anda apabila anda / perniagaan / syarikat membuat transaksi dengan mereka secara langsung. Ia adalah penting bahawa anda memastikan laporan anda
adalah tepat, terkini, lengkap dan tidak mengelirukan. Sila ambil perhatian bahawa kegagalan untuk menyediakan dokumentasi yang diperlukan untuk
mengemaskini rekod anda, CTOS berhak untuk tidak mengeluarkan laporan anda kepada pembekal-pembekal kredit yang disenaraikan dalam Jadual
Kedua Akta APK, walaupun persetujuan telah diperolehi.

Maklumat Kredit yang dikumpulkan oleh CTOS adalah dari sumber-sumber seperti yang tertera dibawah:
a) Surahanjaya Syarikat Malaysia (SSM).
b) Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dari Bank Negara Malaysia.
c) Surat khabar.
d) Penerbitan Warta.
e) Jabatan Insolvensi Malaysia (JIM).

(Sekiranya anda menemui apa-apa maklumat dalam laporan yang tidak tepat, tidak lengkap, dan mengelirukan anda boleh megemaskini maklumat tersebut
dengan memberikan kami dokumen yang menyokong pembetulan tersebut.)

Untuk maklumat lanjut mengenai Hak anda sebagai entiti komersial, sila layari laman web kami di www.ctoscredit.com.my untuk memuat turun salinan
Ringkasan Hak Akta CRA 2010.

Dear Sir / Madam,

In accordance to the Credit Reporting Agencies Act 2010 (CRA), CTOS is required to notify you when your information has been collected, received and
processed. MyCTOS Report shows information which may be provided to our subscribers upon request, which may include; financial institutions,
multinational corporations, government agencies, businesses, legal firms and credit grantors. Our subscribers may need your report when you / business /
company deal or transact with them directly. It is important that you ensure your report is accurate, up-to-date, complete and not misleading. Please note that
failure to provide the needed documentation to update your records, CTOS reserves the right to not release your report to a credit providers listed in the
Second Schedule of the CRA Act, even though consent has been obtained.

The data sources from which CTOS collects credit information includes the below:
a) Companies Commission of Malaysia (CCM).
b) Central Credit Reference Information System (CCRIS) from Bank Negara Malaysia.
c) Newspapers.
d) Gazette Publications.
e) Malaysia Department of Insolvency (MDI).

(In the event you find any information in the report to be inaccurate, incomplete, and not up-to-date or misleading you may amend the said accordingly by
providing us with the necessary documentation. Contact details below.)

For more information on your Rights as a commercial entity, kindly proceed to our website at www.ctoscredit.com.my to download a copy of the CRA Act
2010 Summary of Rights.

DISCLAIMER: This MyCTOS Report may not be reproduced in whole, in part or in any other manner. This report is provided in strict confidence for your personal user only. This report contains information
compiled from data sources which CTOS does not control and which may not have been verified unless otherwise stated in this report. In the event of ambiguities, conflicts or possible variations in interpretation
between the English and Malay version of this credit report, the English version shall always prevail.
 Page 2 of 7
Strictly Confidential
Report No. : CI-5682-20230518215710
Attention
Account
: selfcheckapp (SELFCHECK_APP)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2023-05-18 21:57:10
@ the request of KALAI KUMAR A/L RAMASAMY (720120105065)

To: The Manager, CTOS Kepada: Pengurus, CTOS

I, the subject of this self-check report hereby confirm and acknowledge the following; -
Saya, subjek kepada laporan semakan kendiri ini dengan ini mengesahkan dan mengakui perkara berikut; -
a) I have received my MyCTOS Report.
Saya telah menerima Laporan MyCTOS saya.
b) I was informed about how I may update my records with a settlement remark.
Saya telah dimaklumkan tentang cara mengemaskini rekod dengan catatan penyelesaian.
c) I have been informed of the Statutory Notification (below).
Saya telah dimaklumkan tentang Notis Berkanun (di bawah).
d) The procedure of how I may provide my comments and how it will be displayed to a recipient of my credit report was explained to me.
Saya telah dijelaskan tentang prosedur untuk memberi komen saya dan bagaimana ia akan dizahirkan kepada penerima laporan kredit saya.

Signature (Name) Tandatangan (Nama) : Date Tarikh :

CTOS Data Systems Sdn Bhd

Unit 01-12, Level 9 Tower A, Vertical Business Suite, Avenue 3, Bangsar South, No. 8, Jalan Kerinchi, 59200, Kuala Lumpur.
Tel: 03-2722 8833 Fax: 03-2722 8822 Email: sarus@ctos.com.my

DISCLAIMER: This MyCTOS Report may not be reproduced in whole, in part or in any other manner. This report is provided in strict confidence for your personal user only. This report contains information
compiled from data sources which CTOS does not control and which may not have been verified unless otherwise stated in this report. In the event of ambiguities, conflicts or possible variations in interpretation
between the English and Malay version of this credit report, the English version shall always prevail.
 Page 3 of 7
Strictly Confidential
Report No. : CI-5682-20230518215710
Attention
Account
: selfcheckapp (SELFCHECK_APP)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2023-05-18 21:57:10
@ the request of KALAI KUMAR A/L RAMASAMY (720120105065)

A: SNAPSHOT GAMBARAN RINGKAS

ID Verification Pengesahan ID

Name (Your input)

KALAI KUMAR A/L RAMASAMY
Nama (Input anda)

New ID / Old ID (Your input)

720120105065 / -
ID Baru / ID Lama (Input anda)

Name Nama KALAI KUMAR A/L RAMASAMY

New ID ID Baru 720120105065
Old ID ID Lama A2091937
Date of Birth Tarikh Lahir 20-01-1972

Nationality Kewarganegaraan
MALAYSIAN Source: CTOS DATABASES AND 676
OTHER SOURCES
What is affecting my Score?
Address 1 Alamat 1 -
Apakah yang menjejaskan Skor anda ?
1. You have recently applied for too many
accounts on the credit report.

Address 2 Alamat 2 - Anda memohon terlalu banyak akaun baru-baru

ini dalam laporan kredit.
2. Your utilization of credit limit on
revolving/charge loans is higher than
average.
Credit Info at a Glance Ringkasan Maklumat Kredit
Penggunaan had kredit anda untuk pinjaman
Credit Info Maklumat Kredit Source Sumber Value Nilai pusingan/caj adalah lebih tinggi berbanding
purata.
Bankruptcy Proceedings Record
Newspaper/Gazette NO 3. The date of last enquiry on your report is
Rekod Prosiding Kebankrapan
too recent to affect your score.
Legal records in past 24 months (personal Tarikh pertanyaan terakhir dalam laporan anda
capacity) 0
adalah terlalu baharu sehingga menjejaskan
Rekod undang-undang dalam tempoh 24 bulan yang
CTOS skor anda.
lalu (Kapasiti peribadi)
- Number Bilangan 0 4. Your overall utilization of loans is
- Value Nilai
significantly higher than other credit
Legal records in past 24 months (non-personal users.
capacity) 0
Penggunaan keseluruhan pinjaman anda adalah
Rekod undang-undang dalam tempoh 24 bulan yang
CTOS jauh lebih tinggi berbanding dengan pengguna
lalu (Kapasiti bukan peribadi)
- Number Bilangan kredit lain.
0
- Value Nilai

Availability of Legal Records

BNM NO
Rekod Undang-undang

Special Attention Accounts

BNM NO
Akaun di bawah Pemerhatian Khas

Outstanding credit facilities

Kemudahan Kredit Belum Jelas
4
- Number Bilangan
BNM 52,484.00
- Value Nilai
NO
- Installments in arrears in past 12 months
Ansuran tertunggak dalam tempoh 12 bulan yang lalu

Credit applications in past 12 months

Permohonan Kredit dalam tempoh 12 bulan yang lalu 4
- Total Jumlah BNM 4
- Approved Diluluskan 0
- Pending Dalam pertimbangan

Availability of Trade Referee Listing

CTOS NO
Rekod Rujukan Perdagangan

DISCLAIMER: This MyCTOS Report may not be reproduced in whole, in part or in any other manner. This report is provided in strict confidence for your personal user only. This report contains information
compiled from data sources which CTOS does not control and which may not have been verified unless otherwise stated in this report. In the event of ambiguities, conflicts or possible variations in interpretation
between the English and Malay version of this credit report, the English version shall always prevail.
 Page 4 of 7
Strictly Confidential
Report No. : CI-5682-20230518215710
Attention
Account
: selfcheckapp (SELFCHECK_APP)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2023-05-18 21:57:10
@ the request of KALAI KUMAR A/L RAMASAMY (720120105065)

Top 5 Directorships & Business Interests 5 Pengarah & Kepentingan Teratas

Appoint Date Profit After Tax

Resign Date Shareholding
Position Tarikh Keuntungan Selepas Year Status
Company Syarikat Tarikh Letak Pegangan Saham
Jawatan Pelantikan Cukai (RM) Tahun Status
Jawatan (%)

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

DISCLAIMER: This MyCTOS Report may not be reproduced in whole, in part or in any other manner. This report is provided in strict confidence for your personal user only. This report contains information
compiled from data sources which CTOS does not control and which may not have been verified unless otherwise stated in this report. In the event of ambiguities, conflicts or possible variations in interpretation
between the English and Malay version of this credit report, the English version shall always prevail.
 Page 5 of 7
Strictly Confidential
Report No. : CI-5682-20230518215710
Attention
Account
: selfcheckapp (SELFCHECK_APP)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2023-05-18 21:57:10
@ the request of KALAI KUMAR A/L RAMASAMY (720120105065)

B1: DIRECTORSHIPS AND BUSINESS INTERESTS PENGARAH DAN KEPENTINGAN PERNIAGAAN

No Information Available Tiada Maklumat

B2: ADDRESS RECORDS REKOD ALAMAT

LAST UPDATED SOURCE

ADDRESS ALAMAT
KEMASKINI TERAKHIR SUMBER

No Information Available Tiada Maklumat

C1: BANKING PAYMENT RECORDS REKOD PEMBAYARAN PERBANKAN (SOURCE SUMBER: CCRIS, BANK NEGARA MALAYSIA)
CCRIS Entity Key Kunci Entiti CCRIS 6831766
Subject Status Status Subjek -
CCRIS SUMMARY RINGKASAN CCRIS

No of Applications Amount Applied

Credit Applications Permohonan Kredit
Bilangan Permohonan Jumlah Yang Dimohon

Approved in past 12 months

4 62,200.00
Diluluskan Dalam Tempoh 12 Bulan Yang Lalu

Pending Dalam Pertimbangan 0 -

Summary of Potential & Current Liabilities Outstanding Total Limit FEC Limit
Ringkasan Potensi & Liabiliti Semasa Belum Jelas Had Jumlah Had FEC

As Borrower Sebagai Peminjam 52,484.00 67,200.00 -

As Guarantor Sebagai Penjamin - 72,000.00 -
Total Jumlah 52,484.00 139,200.00 -
Legal Action Taken
N
Tindakan Undang-undang yang diambil
Special Attention Account
N
Akaun di Bawah Pemerhatian Khas

CCRIS DETAILS MAKLUMAT CCRIS

Loan Information Maklumat Pinjaman
Prin.
Total Repmt.
Lender Date Balance Col
Outstanding Term Conduct Of Account For Last 12 Date Status
Type Updated Type
No Date Capacity Facility Balance Limit Terma Months LGL Updated
Sts Jenis Jumlah Baki Jenis
No Tarikh Kapasiti Kemudahan Jumlah Baki Had (RM) Pembaya- Rekod Bayaran Sepanjang 12 Bulan STS Tarikh Status
Pemberi Dikemaskini Caga-
Belum Jelas ran Balik Yang Lalu Dikemaskini
Pinjaman ran
(RM) Prinsipal

2023 2022

Outstanding Credit Kredit Belum Jelas M A M F J D N O S A J J

1 20-01-2022 Own CIMB 7,000.00 00

00

O CRDTCARD 4,037.00 30-04-2023 0.00 MTH 0 0 0 0 0 0 0 0 0 0 0

2 24-06-2022 Own HSBC 6,000.00 00

O CRDTCARD 2,359.00 30-04-2023 0.00 MTH 0 0 0 0 0 0 0 0 0 0 0

3 28-12-2022 Own CIMB 44,200.00 00

O PELNFNCE 43,052.00 30-04-2023 1,050.00 MTH 0 0 0 0 0

Maybank
4 29-12-2022 Own 10,000.00 00
Islamic
O CRDTCARD 3,036.00 30-04-2023 0.00 MTH 0 0 0 0 0

Total
Outstanding 52,484.00 Total Limit: 67,200.00
Balance:
Special Attention Account Akaun di Bawah Pemerhatian Khas

Credit Application Permohonan Kredit

DISCLAIMER: This MyCTOS Report may not be reproduced in whole, in part or in any other manner. This report is provided in strict confidence for your personal user only. This report contains information
compiled from data sources which CTOS does not control and which may not have been verified unless otherwise stated in this report. In the event of ambiguities, conflicts or possible variations in interpretation
between the English and Malay version of this credit report, the English version shall always prevail.
 Page 6 of 7
Strictly Confidential
Report No. : CI-5682-20230518215710
Attention
Account
: selfcheckapp (SELFCHECK_APP)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2023-05-18 21:57:10
@ the request of KALAI KUMAR A/L RAMASAMY (720120105065)

1 01-07-2022 A Own HSBC CRDTCARD 6,000.00

2 16-11-2022 A Own CIMB CRDTCARD 2,000.00

3 28-12-2022 A Own CIMB PELNFNCE 44,200.00

Maybank
4 29-12-2022 A Own CRDTCARD 10,000.00
Islamic

REMARK LEGEND

FACILITY KEMUDAHAN:
CRDTCARD – Credit Card Kad Kredit
PELNFNCE – Personal Loans/Financing Pinjaman Peribadi

LOAN INFOMATION STATUS STATUS MAKLUMAT PINJAMAN:

O – Outstanding Belum jelas

COLLATERAL TYPE:
00 – Clean

CREDIT APPLICATION STATUS STATUS PERMOHONAN KREDIT:

A – Approved by FI

LEGAL STATUS STATUS UNDANG-UNDANG:

CCRIS DERIVATIVES DERIVATIF CCRIS

Earliest known Date of application

31-07-2000
facility Tarikh Permohonan
Kemudahan
terawal yang Facility type
OTLNFNCE - Other Term Loans/Financing
diketahui Jenis Kemudahan

# of facilities
0
Bilangan # kemudahan

Total outstanding balance (RM)

Secured -
Jumlah baki tertunggak (RM)
facilities
Kemudahan
Total outstanding as % of total limit
bercagar 0%
Jumlah baki belum jelas sebagai % daripada jumlah had

Average number of installments in arrears

0.0
Purata bilangan ansuran tertunggak

# of facilities
4
# kemudahan

Total outstanding balance (RM)

Unsecured 52,484.00
Jumlah baki tertunggak (RM)
facilities
Kemudahan
Total outstanding as % of total limit
tidak bercagar 78%
Jumlah baki belum jelas sebagai % daripada jumlah had

Average number of installments in arrears

0.0
Purata bilangan ansuran tertunggak

Credit Card Average Utilisation Last 6 Months

51.66%
Kad Kredit Purata Penggunaan Sepanjang 6 bulan yang lalu

Other
Revolving Average Utilisation Last 6 Months
Credits Purata Penggunaan Sepanjang 6 bulan yang 0.00%
Kredit Pusingan lalu
Lain

Min Utilisation Last 12 Months (RM)

Penggunaan Minima Sepanjang 12 Bulan yang RM -
Lalu (RM)
Charge Card
Kad Caj
Max Utilisation Last 12 Months (RM)
RM -
Pengunaan Maksima 12 Bulan Terakhir (RM)

DISCLAIMER: This MyCTOS Report may not be reproduced in whole, in part or in any other manner. This report is provided in strict confidence for your personal user only. This report contains information
compiled from data sources which CTOS does not control and which may not have been verified unless otherwise stated in this report. In the event of ambiguities, conflicts or possible variations in interpretation
between the English and Malay version of this credit report, the English version shall always prevail.
 Page 7 of 7
Strictly Confidential
Report No. : CI-5682-20230518215710
Attention
Account
: selfcheckapp (SELFCHECK_APP)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2023-05-18 21:57:10
@ the request of KALAI KUMAR A/L RAMASAMY (720120105065)

PTPTN Number of Accounts

0
PTPTN Bilangan Akaun

Local Lenders
Number of Accounts
Pemberi Pinjaman 3
Bilangan Akaun
Tempatan

Foreign Lenders
Number of Accounts
Pemberi Pinjaman 1
Bilangan Akaun
Asing

D1: LEGAL CASES (SUBJECT AS DEFENDENT) KES UNDANG-UNDANG (SUBJEK SEBAGAI DEFENDAN)
No Information Available Tiada Maklumat

D2: LEGAL CASES (SUBJECT AS PLAINTIFF) KES UNDANG-UNDANG (SUBJEK SEBAGAI PLAINTIF)
No Information Available Tiada Maklumat

D4: LEGAL CASES (NON PERSONAL CAPACITY) KES UNDANG-UNDANG (BUKAN KAPASITI PERIBADI)
No Information Available Tiada Maklumat

E: TRADE REFERENCE RUJUKAN PERDAGANGAN

No Information Available Tiada Maklumat

- End of Report/Penghujung Laporan -

DISCLAIMER: This MyCTOS Report may not be reproduced in whole, in part or in any other manner. This report is provided in strict confidence for your personal user only. This report contains information
compiled from data sources which CTOS does not control and which may not have been verified unless otherwise stated in this report. In the event of ambiguities, conflicts or possible variations in interpretation
between the English and Malay version of this credit report, the English version shall always prevail.