Strictly Confidential

Report No. : CM-7777-20230207030405

Attention : ctos (Credit Manager)
Account
Date
: CTOSSUP (CTOS DATA SYSTEMS SDN BHD)
: 2023-02-07 03:04:05
CTOS SCORE REPORT
Tel : -

A: SNAPSHOT

ID Verification
Name (Your input) TONY TAN XIAO MING
New ID / Old ID (Your input) 800101990001 / -
Name TONY TAN XIAO MING
New ID 800101990001
Old ID A1234567
Date of Birth 01/01/1980
Unit 01-12, Level 9, Tower A, Vertical Business Suite,
Avenue 3, Bangsar South, 8, Jalan Kerinchi, Bangsar
Address 1
South, 59200 Kuala Lumpur, Wilayah Persekutuan
Source: SSM Factors that influence the Score
Address 2 -
1. There is serious delinquency on the accounts,
Ref No - adverse record or collection filed on the credit
report.
Credit info at a Glance 2. Lack of recent account information on the
Credit Info Source Value credit report.
3. Time since derogatory adverse record or
Bankruptcy Proceedings Records Newspaper/Gazette YES
collection on the credit report is too short
Legal records in past 24 months
(Personal capacity) 2 relative to the other applicants scored.
CTOS
- Number
- Value 147,646.00
Legal records in past 24 months
(non-personal capacity) 1
CTOS
- Number
- Value -
Availability of Legal Records BNM YES
Special Attention Accounts BNM YES
Outstanding credit Facilities 4
- Number
BNM 75,600.00
- Value
- Instalments in arrears in past 12 months YES
Credit applications in past 12 months
3
- Total
BNM 0
- Approved
2
- Pending
Section Summary
eTR Plus at a Glance Data Element Selected Refer to
Credit account 6 ID YES A
SSM YES B
- Active 4 LGL YES D
- Outstanding 1 TR YES E2
- Closed 2 Additional Add-on
Outstanding Amount Overdue 1,092 BPH YES C1
CCRIS LAG YES C1
Previous Outstanding Amount Overdue 5,170
CCRIS SUP YES C2
No. of days in average due 40 Days ANGKASA YES C3
Percentage of Payment Made on Time 60% AI YES C1
ETR PLUS YES E1

Top 5 Directorships & Business Interests

Profit After Tax Shareholding
Company Position Appoint Date Resign Date Year Status Status
(RM) (%)
DIRECTOR /
TESTING SDN BHD 01-01-2001 - 123,000,000.00 31-12-2019 EXISTING 75
SHAREHOLDER
DIRECTOR /
TEST-SCAN SDN BHD 27-02-2012 - - - EXISTING -
SHAREHOLDER
TEST XXX ENTERPRISE PARTNER 01-04-2014 - - - - -

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The 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. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.
 Strictly Confidential
Report No. : CM-7777-20230207030405
Attention : ctos (Credit Manager)
Account
Date
: CTOSSUP (CTOS DATA SYSTEMS SDN BHD)
: 2023-02-07 03:04:05
CTOS SCORE REPORT
Tel : -

B1: DIRECTORSHIPS AND BUSINESS INTERESTS

No Company Position Appoint Date Resign Date Profit After Tax (RM) Year Status
DIRECTOR / SHARE
1. TESTING SDN BHD 01-01-2001 - 123,000,000.00 31-12-2019 EXISTING
HOLDER
DIRECTOR / SHARE
2. TEST-SCAN SDN BHD 27-02-2012 - - - EXISTING
HOLDER
3. TEST XXX ENTERPRISE PARTNER 04-01-2014 - - -

1. TESTING SDN BHD (999000-Z/ 200401011532)

STATUS EXISTING
NATURE OF BUSINESS TESTING
INCORPORATION 01-01-2001 PAID-UP CAPITAL 400,000.00
CCM DATED 01-01-2020 SHOW LAST FILLING AT CCM WAS ON 30-12-2019
NAME TONY TAN XIAO MING
NEW ID/PASSPORT 800101990001 ID -
POSITION DIRECTOR / SHARE HOLDER SHARES 300,000.00
APPOINTED 01-01-2001 RESIGNED -
ADDRESS A-1-2, TESTING AREA, 58010, CYBERJAYA, SELANGOR
REMARK -

2. TEST-SCAN SDN BHD (999900-Z/ 200101017695)

STATUS EXISTING
NATURE OF BUSINESS TESTING
INCORPORATION 27-02-2012 PAID-UP CAPITAL 100,000.00
CCM DATED 01-01-2020
NAME TONY TAN XIAO MING
NEW ID/PASSPORT 800101990001 ID -
POSITION DIRECTOR / SHARE HOLDER SHARES 70,000.00
APPOINTED 27-02-2012 RESIGNED -
ADDRESS A-1-2, TESTING AREA, 58010, CYBERJAYA, SELANGOR
REMARK -

3. TEST XXX ENTERPRISE (000000999-Z/ 200101011111)

STATUS EXISTING
NATURE OF BUSINESS TESTING
REGISTRATION 15-03-2015 EXPIRY DATE 2021-04-01
NAME TONY TAN XIAO MING
NEW ID/PASSPORT 800101990001 ID -
POSITION PARTNER CCM DATED 2019-04-01
ADDRESS A-1-2, TESTING AREA, 58010, CYBERJAYA, SELANGOR
REMARK -

B2: ADDRESS RECORDS

ADDRESS LAST UPDATED SOURCE
Unit 01-12, Level 9, Tower A, Vertical Business Suite, Avenue 3, Bangsar South, 8, Jalan
04-01-2019 CCM
Kerinchi, Bangsar South, 59200 Kuala Lumpur, Wilayah Persekutuan
Unit 01-12, Level 9, Tower A, Vertical Business Suite, Avenue 3, Bangsar South, 8, Jalan
04-01-2018 CCM
Kerinchi, Bangsar South, 59200 Kuala Lumpur, Wilayah Persekutuan
Unit 01-12, Level 8, Tower A, Vertical Business Suite, Avenue 3, Bangsar South, 8, Jalan
04-01-2020 NRD
Kerinchi, Bangsar South, 59200 Kuala Lumpur, Wilayah Persekutuan

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The 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. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.
 Strictly Confidential
Report No. : CM-7777-20230207030405
Attention : ctos (Credit Manager)
Account
Date
: CTOSSUP (CTOS DATA SYSTEMS SDN BHD)
: 2023-02-07 03:04:05
CTOS SCORE REPORT
Tel : -

C1: BANKING PAYMENT HISTORY

Subject Status -
CCRIS SUMMARY
Credit Applications No of Applications Amount Applied
Approved in past 12 months 0 -
Pending 2 60,000.00
Summary of Potential & Current Liabilities Outstanding Total Limit FEC Limit
As Borrower 75,600.00 188,000.00 -
As Guarantor - - -
Total 75,600.00 188,000.00 -
Legal Action Taken Y
Special Attention Account N

CCRIS DETAILS
Loan Information
Total Date Limit/ Prin. Date
Lender
No Date/R & R Sts Capacity Facility Outstanding Balance Instalment Repmt. Col Conduct Of Account For Last 12 Months LGL Status
Type
Balance (RM) Updated Amount (RM) Term Type STS Updated
2022 2021
Outstanding Credit F J D N O S A J J M A M

1 02/01/2010 Own OTH 44,000.00 00

O OTLNFNCE 13,456.00 14/01/2022 150.00 MTH 11 10 9 8 7 6 5 4 3 2 1

2 01/02/2014 Own CB 15,000.00 00

O1/02/2015 C CHRGCARD 5,432.00 14/01/2022 0.00 MTH 3 2 4 3 2 1 1 1 0 0 0

3 01/03/2014 Own CB 15,000.00 00

O CRDTCARD 1,688.00 13/01/2022 MTH 1 1 1 0 0 0 0 0 1 1 1
O CRDTCARD 703.00 13/01/2022 MTH 0 1 1 0 0 0 0 0 0 0 1

4 01/04/2015 Own CB 114,000.00 30 10 08-12-2019

O PCPASCAR 54,321.00 15/01/2022 543.00 MTH 8 7 6 5 4 4 4 3 2 1 0

Total
Outstanding 75,600.00 Total 188,000.00
Balance: Limit
Special Attention Account
1 01/04/2018 OWN CB 10 02/01/2017
PCPASCAR 01/04/2018

Credit Application
1 01-12-2021 A OWN CB CRDTCARD 60,000.00
2 05-12-2021 P OWN CB LEASING 40,000.00
3 12-12-2021 T OWN CB HLFNPRSR 511,000.00

REMARK LEGEND

FACILITY :
OTLNFNCE – Other Term Loans/Financing
Student Loan Identified
CHRGCARD – Charge Card
CRDTCARD – Credit Card
PCPASCAR – Purchase Of Passenger Cars
LEASING – Leasing Receivables
HLFNPRSR – Priority Sector Housing Loan/Finance

LOAN INFORMATION STATUS:

O – Outstanding
C – Rescheduled credit facility

CREDIT APPLICATION STATUS:

A – Facility Approved
P – Pending Approval
T – Pending Acceptance by applicant

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The 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. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.
 Strictly Confidential
Report No. : CM-7777-20230207030405
Attention : ctos (Credit Manager)
Account
Date
: CTOSSUP (CTOS DATA SYSTEMS SDN BHD)
: 2023-02-07 03:04:05
CTOS SCORE REPORT
Tel : -

COLLATERAL TYPE:
00 – Clean
30 – Motor Vehicle (Registered JPJ)

LEGAL STATUS:
10 – Summon/Writ files

CCRIS DERIVATIVES
Affordability Insight (RM) 6,838
Earliest Date of Applications 02-02-2010
known facility Facilities type OTLNFNCE - Other Term Loans/Financing
# of facilities 1
Secured Total outstanding balance (RM) 54,321.00
facilities Total outstanding as % of total limit 72%
Average number of instalments in arrears 0.0
# of facilities 3
Unsecured Total outstanding balance (RM) 21,279.00
facilities Total outstanding as % of total limit 28%
Average number of instalments in arrears 0.0
Credit Card Average Utilisation Last 6 Months 15.94%
Other Revolving
Average Utilisation Last 6 months 0.00%
Credits
Min Utilisation Last 12 Months (RM) RM 168.88
Charge Card
Max Utilisation Last 12 Months (RM) RM 1,688.88
PTPTN Number of Accounts 1
Local Lenders Number of Accounts 4
Foreign Lenders Number of Accounts 3

C2: CCRIS SUPPLEMENTARY INFORMATION

ADDRESS INFORMATION
No. Address State Postcode Created Date
Unit 01-12, Level 9, Tower A, Vertical Business Suite, Avenue 3,
1. W.P. Kuala Lumpur 59200 02/01/2015
Bangsar South, 8, Jalan Kerinchi, Bangsar South
Unit 01-12, Level 9, Tower A, Vertical Business Suite, Avenue 3,
2. W.P. Kuala Lumpur 59200 01/02/2016
Bangsar South, 8, Jalan Kerinchi, Bangsar South
Unit 01-12, Level 9, Tower A, Vertical Business Suite, Avenue 3,
3. W.P. Kuala Lumpur 59200 01/03/2016
Bangsar South, 8, Jalan Kerinchi, Bangsar South
Unit 01-12, Level 9, Tower A, Vertical Business Suite, Avenue 3,
4. W.P. Kuala Lumpur 59200 01/04/2017
Bangsar South, 8, Jalan Kerinchi, Bangsar South

CONTACT INFORMATION
No. Contact Number Created Date
1. 012-3456789 01-02-2016

OCCUPATION INFORMATION
No. Occupation Employer From Date To Date Created Date
1. PERSONAL ASSISTANCE CTOS DATA SYSTEMS SDN BHD - - 01-02-2017

C3: SISTEM POTONGAN GAJI ANGKASA (SPGA) INFORMATION

Matched Name TONY TAN XIAO MING
Matched New IC No 800101990001
Matched Old IC No -
Status Aktif (A)
Remarks -
Account ID / Reference -
Salary No 01234567

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The 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. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.
 Strictly Confidential
Report No. : CM-7777-20230207030405
Attention : ctos (Credit Manager)
Account
Date
: CTOSSUP (CTOS DATA SYSTEMS SDN BHD)
: 2023-02-07 03:04:05
CTOS SCORE REPORT
Tel : -

ANGKASA MONTHLY DEDUCTION

NOTE: The following information is provided by third party sources for your reference. ANGKASA does not guarantee the accuracy of the information. Please check with the Creditors for confirmation. Users
should NOT treat the information as conclusive factor for evaluation purpose.

No Organization Code Type Account Status Begin End Deduction Amount Total Amount

1. KESATUAN BL710 Aktif (A) 100.00

Yuran Kesatuan (1001) 08/2016 99/9999 100.00
2. BANK BRT62 Aktif (A) 787.00
Pinjaman Khas/Faedah (4614) 01/2017 08/2020 787.00
3. KOPERASI B0205 Aktif (A) 200.00
Insurans (0501) 07/1999 99/9999 100.00
Insurans (0502) 07/2000 99/999 100.00
TOTAL DEDUCTION: 1087.00

ANGKASA PENDING DEDUCTION

No Organization Code Account Status Start Date Deduction Amount
1. KESATUAN BP056 MORATORIUM 00/0000 100.00
2. KOPERASI BRT11 MORATORIUM 00/0000 200.00
TOTAL DEDUCTION: 300.00

ANGKASA PAYMENT HISTORY

Code Deduction Month Feb 23 Jan 23 Dec 22 Nov 22 Oct 22 Sep 22 Aug 22 Jul 21 Jun 22 May 22 Apr 22 Mar 22
Date Process - 28 Jan 23 28 Dec 22 22 Nov 22 28 Oct 22 28 Sep 22 28 Aug 22 28 Jul 21 28 Jun 22 28 May 22 28 Apr 22 28 Mar 22
BL710
Amount - 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00
Date Process - - - - 25 Oct 22 25 Sep 22 25 Aug 22 25 Jul 21 22 Jun 22 25 May 22 25 Apr 22 25 Mar 22
BRT62
Amount - - - - 787.00 787.00 787.00 787.00 787.00 787.00 787.00 787.00
Date Process - 22 Jan 23 22 Dec 22 22 Nov 22 22 Oct 22 22 Sep 22 22 Aug 22 22 Jul 21 22 Jun 22 22 May 22 22 Apr 22 22 Mar 22
B0205
Amount - 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00

D1: LEGAL CASES (SUBJECT AS DEFENDANT)

Summary
Subject
No Case Type Amount Plaintiff Status
Comments
1. SUMMONS - DIRECTED TO 60,050.00 ABC BANK - N
2. BANKRUPTCY NOTICE ISSUED 87,596.00 XYZ BANK - N

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The 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. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.
 Strictly Confidential
Report No. : CM-7777-20230207030405
Attention : ctos (Credit Manager)
Account
Date
: CTOSSUP (CTOS DATA SYSTEMS SDN BHD)
: 2023-02-07 03:04:05
CTOS SCORE REPORT
Tel : -

D1 : LEGAL CASES (SUBJECT AS DEFENDANT)

1. SUMMONS – DIRECTED TO
SPECIAL REMARKS CASE PENDING
NAME TONY TAN XIAO MING
NEW ID 800101990001
OLD ID -
REMARK -
Unit 01-12, Level 9, Tower A, Vertical Business Suite, Avenue 3, Bangsar South, 8, Jalan Kerinchi,
ADDRESS
Bangsar South, 59200 Kuala Lumpur, Wilayah Persekutuan
PLAINTIFF ABC BANK
CASE NO CED-99-88-20179 HIGH COURT KUALA LUMPUR
ACTION DATE 01-10-2021 STAR 25-10-2021
AMOUNT 60050
FABULOUS FANTASTIC SOLUTION & CO.
Tel 05-2437896
01,JLN GUNUNG LAMBAK 99,
SOLICITOR
TMN GUNUNG LAMBAK,
REF JC/ABC/1203-2021
86000 KLUANG, JOHOR.
SUBJECT COMMENT -

2. BANKRUPTCY PROCEEDING
SPECIAL REMARKS -
NAME TONY TAN XIAO MING
NEW ID 800101990001
OLD ID -
REMARK SUMMONS: 53-155-98
Unit 01-12, Level 9, Tower A, Vertical Business Suite, Avenue 3, Bangsar South, 8, Jalan Kerinchi,
ADDRESS
Bangsar South, 59200 Kuala Lumpur, Wilayah Persekutuan
PLAINTIFF XYZ BANK
CASE NO CED-91-88-2020 HIGH COURT KUALA LUMPUR
NOTICE DATE 01-10-2021 STAR 25-10-2021
AMOUNT 87596
FABULOUS FANTASTIC SOLUTION & CO.
Tel 05-2437896
01,JLN GUNUNG LAMBAK 99,
SOLICITOR
TMN GUNUNG LAMBAK,
REF JC/XYZ/1203-2021
86000 KLUANG, JOHOR.
SUBJECT COMMENT -

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The 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. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.
 Strictly Confidential
Report No. : CM-7777-20230207030405
Attention : ctos (Credit Manager)
Account
Date
: CTOSSUP (CTOS DATA SYSTEMS SDN BHD)
: 2023-02-07 03:04:05
CTOS SCORE REPORT
Tel : -

D2: LEGAL CASES (SUBJECT AS PLAINTIFF)

1. SUMMONS – DIRECTED TO
REMARKS -
DEFENDANT MARCUS LEE SIEU MENG
NEW ID 880101990001
OLD ID -
REMARK SUMMONS: 55-152-99
ADDRESS A-8-4, Megan Avenue 1, 189 Jln Tun Razak,50400 KL
CASE NO 22Z-91-77-2021 HIGH COURT KUALA LUMPUR
NOTICE DATE 01-10-2020 STAR 25-10-2020
AMOUNT -
WONDERFUL SOLUTION & ASSOCIATES Tel 05-2347899
SOLICITOR 02,JLN GUNUNG LAMBAK 99,
REF ETR-1203-2021
87000 KLUANG, JOHOR.

D3: AMLA (ANTI MONEY LAUNDERING ACT)

Anti Money Laundering Act your enquiry has been screened against database compiled from the following sources which are used frequently for AMLA (Anti Money Laundering Act) screening (a) UN Security
Council resolution 1267 list (b) United States Dept. of the Treasure Specially Designated Nationals.

Please note that a "Name Match" does not mean the subject enquiry is in fact the entity referred to in the AMLA list. Please conduct your own further probe with the relevant authorities for confirmation.

NAME TONY TAN XIAO MING

ALSO KNOWN AS -
ID 800101990001
NATIONALITY -

D4: LEGAL CASES (NON PERSONAL CAPACITY)

1. DIRECTOR OF A COMPANY WITH PETITION OR WINDING-UP ORDER ISSUED
SPECIAL REMARK -
NAME TONY TAN XIAO MING
NEW ID 800101990001
OLD ID -
STATUS DIRECTOR
WOUND-UP DATE 01-08-2021 GAZETTE -
APPOINTED DATE 01-04-2020 RESIGNED DATE -
REMARK TEST DATA
ADDRESS NO 123, JLN ABC, SEK 456,78900 W.P.K.L.
RESPONDENT - REGISTRATION NO -
OBJECT -
INCORPORATION DATE - CAPITAL -
PAID-UP CAPITAL -
PETITIONER -
CASE NO LIG-CED-REC999 COURT HIGH COURT SHAH ALAM
PETITION DATE - GAZETTE -
HEARING DATE - INDEBTEDNESS -
SEARCH DATE -
EX PARTE B-ZI NETWORK SDN BHD
TEL 03-12345678 REF ABC000/2018
Note: The above information only aim to show that the subject was a director at the time the company was petitioned for winding-up. Please note that the information does not in any way imply or attempt to
suggest that the named director is under any legal action or that he/she has any guarantee exposure to the petitioner or other creditors. Director's details are extracted based on returns available at the CCM at
the time the search was conducted. In cases where the company has failed to submit returns, the last set of available returns listing the directors are taken. Please make due enquiry for confirmation.
Winding-up orders, where issued, may subsequently be stayed. Please check with the relevant parties.

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The 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. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.
 Strictly Confidential
Report No. : CM-7777-20230207030405
Attention : ctos (Credit Manager)
Account
Date
: CTOSSUP (CTOS DATA SYSTEMS SDN BHD)
: 2023-02-07 03:04:05
CTOS SCORE REPORT
Tel : -

E1: ETR PLUS (NON-BANK PAYMENT HISTORY)

ETR Plus is non-bank payment information shared by third-party sources. It serves as additional information (other than banking payment history) to help in
your credit assessment.

Note: The following information is provided by third-party sources for your reference. Searched Subject will also include transaction(s) that are under
Guarantor capacity. CTOS does not guarantee the accuracy of the information as listed debts may have been settled since recorded.
1a. Account Payment Profile - Varying payments (Static snapshot)
Industry Account Payment Payment Overdue
As at Due Amount Due Within Term
Segment No Term 1-30 days 31-60 days 61-90 days 91-120 days >120 days
Utilities 8898777000 30 days 31/01/2023 1,456 25% 25% 25% 25% 0% 0%
Telco 1825991234 30 days 31/01/2023 1,500 100% 0% 0% 0% 0% 0%
Manufacturing T5554321 90 days 30/11/2022 S

1b. Payment Trend - Varying payments (Last 12 months)

Industry Account Payment Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb
Capacity
Segment No Term 21 20 20 20 20 20 20 20 20 20 20 20
Utilities 8898777000 30 days Non-Personal 3 4 3 2 1 0 0 0 0
Telco 1825991234 30 days Personal 0 0 0 0 0 0 0 0 0 0
Manufacturing T5554321 90 days Personal S 4 3 2 1 0 - - - 0

Remark Legend: 3 61-90 Day Overdue Personal - Transaction incurred by Subject Status
- No Data 4 91-120 Days Overdue Non-Personal -Transaction where the Subject is a Guarantor / Joint Owner S - Fully Settled
0 No Overdue 5 121-150 Days Overdue W - Written Off Bad Debt
1 1-30 Days Overdue 6 151-180 Days Overdue
2 31-60 Days Overdue 6+ >180 Days Overdue

2. Non-Bank Lender Credit Information - Fixed Instalments (Last 12 months)

No. Aprv date Capacity Lender Facility Limit Instalment Instalment Date Total Prin Col Conduct of Account For the last 12 months Status Date
Type (RM) Amount Tenor Balance Outstanding Repymt Type Status
(RM) (MTH) Updated Balance Term Update
(RM)

2022 2021
OUTSTANDING CREDIT J D N O S A J J M A M F
1 20-05-2017 P P2P TF 100,000.00 928.5 36 31-01-2023 119,797.22 MTH CLE W 4 3 2 1 0 0 0 0
2 02-02-2017 NP CRLS GS 100,000.00 628 24 31-01-2023 210,000.00 MTH CLE 0 0 0 0 0 0 6 5 4 3 2 1 LEGAL 30-6-2019
3 16-08-2019 P COOP TL 500,000.00 2,482 57 31-01-2023 475,121.05 MTH OAS 0 0 0 0 0 0 0 - - 4 3 2 NPL

TOTAL 700,000.00 TOTAL 804,918.27

Remark Legend:

CAPACITY LENDER TYPE FACILITY REPAYMENT TERM COLLATERAL TYPE STATUS

P - Personal P2P - P2P Lender TF - Trade Facilities MTH - Monthly CLE - Clean LEGAL - Legal Letter Sent
NP - Non-Personal CRLS - Credit & Leasing GS - Goods & Service OAS - Other Assets NPL - Non-Performing Loan
(Guarantor or COOP - Koperasi / Co- Rendered W - Written Off Bad Debt
Joint Owner) operative TL - Term Loan
Operative

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The 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. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.
 Strictly Confidential
Report No. : CM-7777-20230207030405
Attention : ctos (Credit Manager)
Account
Date
: CTOSSUP (CTOS DATA SYSTEMS SDN BHD)
: 2023-02-07 03:04:05
CTOS SCORE REPORT
Tel : -

E2: TRADE REFERENCE

Summary
No Referee Account No. Capacity Statement Date Default Amount (RM)
1. ABC COMPANY SDN BHD Test_1 Personal 2020-12-31 2,988.00

The following information are in relation to Account No: Test_1

1. Relationship Subject is Customer Relationship Start Date 2 January 2010

2. Aging Information As At Statement Date: 2020-12-31

Name of Debtor TONY TAN XIAO MING
Credit Terms 30 Days Credit Limit (RM) 10,800.00
Account Status Active
Account Reference No. Account_Ref_No.
Unit 01-12, Level 9, Tower A, Vertical Business Suite, Avenue 3, Bangsar South, 8, Jalan Kerinchi,
Address
Bangsar South, 59200 Kuala Lumpur, Wilayah Persekutuan
Nature of Debt For Services & Goods Sold and Delivered
Last Paid Amount (RM) 8,168.88
Remark -

Outstanding Default
0 - 31 Days 31-60 Days 61-90 Days 91-120 Days 121-150 Days 151-180 Days > 180 Days
0.00 0.00 150.00 550.00 350.00 250.00 1,688.00
The above was accurate as at the statement date indicate above.

Account Conduct
Not Provided Excellent Good Satisfactory Unsatisfactory
X

3. Returned Cheque History

Cheque No Account No Bank Amount (RM) Date Returned Reason Cheque Issuer
123321 123123123 ABC Bank 1,234.00 2016-04-21 Account Closed Issued by self
The above cheques were received for payment of amount owed but were returned unpaid for reasons indicated.

4. Reminders / Letter of Demand for Payment / General Remarks

Sent reminder to the
Final Reminder Letter 2017-04-01
subject for settlement
Issued our Letter of Demand
TTXM/2017/04/01 2017-04-01
dated
Issued our Letter of Demand
TTXM/2017/04/01 2017-04-01
through our solicitor

5. CRA Comment No Information Available

6. Subject's Comment No Information Available

7. Referee's Information
Referee ABC COMPANY SDN BHD
Contact Name Collections Dept
Address A-8-4, Megan Avenue 1, 189 Jln Tun Razak,50400 KL
Telephone 03-27228800
Nature of Business PROVISION OF CREDIT BUREAU BUSINESS
Remark -

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The 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. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.
 Strictly Confidential
Report No. : CM-7777-20230207030405
Attention : ctos (Credit Manager)
Account
Date
: CTOSSUP (CTOS DATA SYSTEMS SDN BHD)
: 2023-02-07 03:04:05
CTOS SCORE REPORT
Tel : -

HISTORICAL ENQUIRY
Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
FI 0 0 0 0 0 0 0 0 0 0 0 0
2023 Non-FI 0 0 0 0 0 0 0 0 0 0 0 0
Lawyer 0 0 0 0 0 0 0 0 0 0 0 0
Total 0 0 0 0 0 0 0 0 0 0 0 0
Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
FI 0 0 0 1 0 0 1 0 0 1 2 2
2022 Non-FI 0 0 0 1 1 2 1 3 1 3 0 1
Lawyer 0 0 0 0 0 0 0 0 0 0 0 0
Total 0 0 0 2 1 2 2 3 1 4 2 3

REPORT LEGEND

1. Section Summary
Section A: Snapshot (Highlights of entire report)
Section B: Company Profile (SSM information – inclusive of Directorship, Shareholding, Company Charges, Financial
Statements, Directorship & Business Parties, Address Records, Financial Health Indicator etc)
Section C: Banking Payment History (CCRIS Summary, CCRIS Details, CCRIS Derivatives and CCRIS Supplementary)
Section D: Litigation Information
Section E: Trade Reference Information

2. Add-on Summary
BPH: Refers to Central Credit Reference Information System (CCRIS), is a statement of all your credit/loans with the bank
CCRIS LAG: Refers to the liability as guarantor information from Bank Negara Malaysia (BNM)
CCRIS SUP: CCRIS Supplementary is the Customer Supplementary Information that provides details of the borrower’s address,
telephone number and employment history from Bank Negara Malaysia (BNM).
ANGKASA: Refers to Sistem Potongan Gaji ANGKASA (SPGA), is a system where all the deductions of cooperatives and other
organizations are managed through one channel in order to facilitate the matter of deductions from members’ salaries
processed by government departments or private employers (registered with BPA)
AI: The CTOS Affordability Insight reflects the data subject’s ability to make monthly repayments and it is calculated based on
the credit information from CCRIS
ETR PLUS: The eTR Plus provides a balanced representation of the subject credit history which are submitted by merchants

- End of Report -

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The 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. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.