Page 1 of 7

Strictly Confidential
Report No. : CI-8298-20250519063645
Attention
Account
: selfcheckcds (SELFCHECK_CDS)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2025-05-19 06:36:45
@ the request of TAN HUNG PO (730209135155)

At the request of TAN HUNG PO

(730209135155)
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-8298-20250519063645
Attention
Account
: selfcheckcds (SELFCHECK_CDS)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2025-05-19 06:36:45
@ the request of TAN HUNG PO (730209135155)

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

Level 9, Menara CelcomDigi, No 6, Persiaran Barat, Seksyen 52, 46200 Petaling Jaya, Selangor.
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-8298-20250519063645
Attention
Account
: selfcheckcds (SELFCHECK_CDS)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2025-05-19 06:36:45
@ the request of TAN HUNG PO (730209135155)

A: SNAPSHOT GAMBARAN RINGKAS

ID Verification Pengesahan ID

Name (Your input)

TAN HUNG PO
Nama (Input anda)

New ID / Old ID (Your input)

730209135155 / -
ID Baru / ID Lama (Input anda)

Name Nama TAN HUNG PO

New ID ID Baru 730209135155
Old ID ID Lama -
Date of Birth Tarikh Lahir 09-02-1973
Nationality Kewarganegaraan MALAYSIAN Source: NRD 688
21,JLN 99 6/5,TMN PUTRA PERDANA,47100,
Address 1 Alamat 1 PUCHONG,W.Persekutuan(KL),MALAYSIA What is affecting my Score?
Source: NRD Apakah yang menjejaskan Skor anda ?
1. There is delinquency (past due with no
minimum payment) in your credit report.
Address 2 Alamat 2 -
Terdapat delinkuensi (tunggakan melangkaui
tempoh tanpa bayaran minimum) dalam
laporan kredit anda.
2. It seems that you have recently missed
Credit Info at a Glance Ringkasan Maklumat Kredit one or more loan repayments.
Credit Info Maklumat Kredit Source Sumber Value Nilai Nampaknya, anda terlepas satu atau lebih
pembayaran balik pinjaman baru-baru ini.
Bankruptcy Proceedings Record
Newspaper/Gazette NO 3. You have recently applied for too many
Rekod Prosiding Kebankrapan
accounts on the credit report.
Legal records in past 24 months (personal Anda memohon terlalu banyak akaun baru-baru
capacity) 0
ini dalam laporan kredit.
Rekod undang-undang dalam tempoh 24 bulan yang
CTOS
lalu (Kapasiti peribadi) 4. Your utilization of credit limit on
- Number Bilangan 0 revolving/charge loans is higher than
- Value Nilai
average.
Legal records in past 24 months (non-personal Penggunaan had kredit anda untuk pinjaman
capacity) 0
pusingan/caj adalah lebih tinggi berbanding
Rekod undang-undang dalam tempoh 24 bulan yang
CTOS purata.
lalu (Kapasiti bukan peribadi)
- Number Bilangan 0 Disclaimer Notice
- Value Nilai
CTOS Score is a credit score provided by CTOS using the assessment methodology
adopted by CTOS. CTOS Score is calculated based on algorithm of selected data
Availability of Legal Records input and selected credit information. This data input and credit information on
BNM NO
Rekod Undang-undang User are provided by and collated from various third parties’ sources over a period
of two years. While CTOS strives for accuracy and reliability, CTOS does not
guarantee the completeness or suitability of CTOS Score for any specific purpose.
User had acknowledged and accepted that CTOS Score may be different from the
Special Attention Accounts credit scores issued by financial institutions and is just one factor in assessing
BNM NO
Akaun di bawah Pemerhatian Khas creditworthiness of User whereby that other determining factors may be relevant.
By extracting this CTOS Score, User had fully and unconditionally agreed to the
assessment methodology, the selection and type of data input and credit
information considered and adopted by CTOS in generating CTOS Score. The User
had further acknowledged that the User’s credit score generated through CTOS
Outstanding credit facilities Score may or may not be favourable to User which the User hereby had accepted
Kemudahan Kredit Belum Jelas the risk and agreed that CTOS shall not be held liable for result of User’s credit
5
- Number Bilangan score. Nothing herein stated shall limit the applicability of Section 30 and Section
BNM 213,405.00 31 of the Credit Reporting Agencies Act 2010.
- Value Nilai
YES
- Installments in arrears in past 12 months
Ansuran tertunggak dalam tempoh 12 bulan yang lalu Notis Penafian

CTOS Score ialah skor kredit yang disediakan oleh CTOS menggunakan
metodologi penilaian yang diterima pakai oleh CTOS. CTOS Score dikira
berdasarkan algoritma input data terpilih dan maklumat kredit terpilih. Input data
dan maklumat kredit pada Pengguna ini disediakan dan dikumpulkan daripada
Credit applications in past 12 months pelbagai sumber pihak ketiga dalam tempoh dua tahun. Walaupun CTOS
Permohonan Kredit dalam tempoh 12 bulan yang lalu 2 berusaha untuk ketepatan dan kebolehpercayaan, CTOS tidak menjamin
- Total Jumlah BNM 2 kesempurnaan atau kesesuaian CTOS Score untuk sebarang tujuan tertentu.
Pengguna mengakui dan menerima bahawa CTOS Score mungkin berbeza
- Approved Diluluskan 0 daripada skor kredit yang disediakan oleh institusi kewangan dan ia hanyalah
- Pending Dalam pertimbangan satu faktor dalam menilai kelayakan kredit Pengguna di mana terdapat faktor-
faktor penentu yang lain. Dengan mengekstrak CTOS Score, Pengguna dengan ini
sepenuhnya dan tanpa syarat, bersetuju dengan metodologi penilaian, pemilihan
dan jenis input data dan maklumat kredit yang dipertimbangkan dan diterima
pakai oleh CTOS dalam menjana CTOS Score. Pengguna selanjutnya mengakui
Availability of Trade Referee Listing bahawa skor kredit Pengguna yang dijana melalui CTOS Score mungkin memihak
CTOS NO atau tidak memihak kepada Pengguna yang mana Pengguna dengan ini
Rekod Rujukan Perdagangan
menerima risiko dan bersetuju bahawa CTOS tidak akan bertanggungjawab atas
keputusan skor kredit Pengguna. Tiada apa-apa yang dinyatakan di sini akan
mengehadkan kebolehgunaan Seksyen 30 dan Seksyen 31 Akta Agensi Pelaporan
Kredit 2010.

eTR Plus at a Glance

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-8298-20250519063645
Attention
Account
: selfcheckcds (SELFCHECK_CDS)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2025-05-19 06:36:45
@ the request of TAN HUNG PO (730209135155)

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-8298-20250519063645
Attention
Account
: selfcheckcds (SELFCHECK_CDS)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2025-05-19 06:36:45
@ the request of TAN HUNG PO (730209135155)

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

21,JLN 99 6/5,TMN PUTRA PERDANA,47100,PUCHONG,W.Persekutuan(KL),MALAYSIA 19-05-2025 NRD

C1: BANKING PAYMENT RECORDS REKOD PEMBAYARAN PERBANKAN (SOURCE SUMBER: CCRIS, BANK NEGARA MALAYSIA)
CCRIS Entity Key Kunci Entiti CCRIS 916157
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

2 184,000.00
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 213,405.00 320,885.00 -

As Guarantor Sebagai Penjamin - 13,761.00 -
Total Jumlah 213,405.00 334,646.00 -
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

2025 2024

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

1 23-08-2001 Own Maybank 15,000.00 00

O CRDTCARD 12,368.00 30-04-2025 0.00 MTH 0 0 0 1 0 0 0 0 0 0 0

2 29-01-2008 Joint OCBC 101,885.00

O HSLNFNCE 37,158.00 30-04-2025 620.00 MTH 10 0 0 0 0 0 0 0 0 0 0 0

RHB
3 07-06-2016 Own 20,000.00 00
Islamic
O CRDTCARD 3,278.00 30-04-2025 0.00 MTH 0 0 0 0 0 0 0 0 0 0 0

Bank
4 15-04-2025 Own 160,000.00
Islam
O PELNFNCE 160,551.00 30-04-2025 2,874.00 MTH 00 0

Bank
5 15-04-2025 Own 24,000.00
Islam
O CRDTCARD 50.00 30-04-2025 0.00 MTH 00 0

Total
Outstanding 213,405.00 Total Limit: 320,885.00
Balance:
Special Attention Account Akaun di Bawah Pemerhatian Khas

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-8298-20250519063645
Attention
Account
: selfcheckcds (SELFCHECK_CDS)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2025-05-19 06:36:45
@ the request of TAN HUNG PO (730209135155)

Credit Application Permohonan Kredit

Bank
1 18-04-2025 A Own PELNFNCE 160,000.00
Islam
Bank
2 15-04-2025 A Own CRDTCARD 24,000.00
Islam

REMARK LEGEND

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

LOAN INFOMATION STATUS STATUS MAKLUMAT PINJAMAN:

O – Outstanding Belum jelas

COLLATERAL TYPE:
00 – Clean
10 – Properties

CREDIT APPLICATION STATUS STATUS PERMOHONAN KREDIT:

A – Approved by FI

LEGAL STATUS STATUS UNDANG-UNDANG:

CCRIS DERIVATIVES DERIVATIF CCRIS

Earliest known Date of application

18-05-1999
facility Tarikh Permohonan
Kemudahan
terawal yang Facility type
HLFNNNPS - Non-Priority Housing Loan/Finance
diketahui Jenis Kemudahan

# of facilities
1
Bilangan # kemudahan

Total outstanding balance (RM)

Secured 37,158.00
Jumlah baki tertunggak (RM)
facilities
Kemudahan
Total outstanding as % of total limit
bercagar 36%
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 176,247.00
Jumlah baki tertunggak (RM)
facilities
Kemudahan
Total outstanding as % of total limit
tidak bercagar 80%
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

14.25%
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-8298-20250519063645
Attention
Account
: selfcheckcds (SELFCHECK_CDS)
: CDS (CTOS DATA SYSTEMS SDN BHD SELFCHECK CDS)
MyCTOS SCORE REPORT
Date : 2025-05-19 06:36:45
@ the request of TAN HUNG PO (730209135155)

PTPTN Number of Accounts

0
PTPTN Bilangan Akaun

Local Lenders
Number of Accounts
Pemberi Pinjaman 4
Bilangan Akaun
Tempatan

Foreign Lenders
Number of Accounts
Pemberi Pinjaman 1
Bilangan Akaun
Asing

D1: LEGAL CASES (SUBJECT AS DEFENDANT) 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.