{
    "id": 3486,
    "date": "2021-01-06T12:26:51",
    "date_gmt": "2021-01-06T04:26:51",
    "guid": {
        "rendered": "http:\/\/ctoscredit.ibpo.com.my\/?page_id=3486"
    },
    "modified": "2021-02-10T14:14:57",
    "modified_gmt": "2021-02-10T06:14:57",
    "slug": "ctos-free-score",
    "status": "publish",
    "type": "page",
    "link": "https:\/\/ctoscredit.ibpo.com.my\/en\/",
    "title": {
        "rendered": "IBPO CTOS Free Score"
    },
    "content": {
        "rendered": "<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #111111;background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-no-large-visibility\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_1 1_1 fusion-flex-column fusion-no-large-visibility\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"custome-language-mobile\">\n<div class=\"trp-language-switcher trp-language-switcher-container\" data-no-translation>\n    <div class=\"trp-ls-shortcode-current-language\">\n        <a href=\"#\" class=\"trp-ls-shortcode-disabled-language trp-ls-disabled-language\" title=\"English\" onclick=\"event.preventDefault()\">\n\t\t\t English\t\t<\/a>\n    <\/div>\n    <div class=\"trp-ls-shortcode-language\">\n                <a href=\"#\" class=\"trp-ls-shortcode-disabled-language trp-ls-disabled-language\"  title=\"English\" onclick=\"event.preventDefault()\">\n\t\t\t English\t\t<\/a>\n                    <a href=\"https:\/\/ctoscredit.ibpo.com.my\/my\/wp-json\/wp\/v2\/pages\/3486\/\" title=\"Bahasa Melayu\">\n             Bahasa Melayu        <\/a>\n\n        <\/div>\n    <script type=\"application\/javascript\">\n        \/\/ need to have the same with set from JS on both divs. Otherwise it can push stuff around in HTML\n        var trp_ls_shortcodes = document.querySelectorAll('.trp-language-switcher');\n        if ( trp_ls_shortcodes.length > 0) {\n            \/\/ get the last language switcher added\n            var trp_el = trp_ls_shortcodes[trp_ls_shortcodes.length - 1];\n            var trp_shortcode_language_item = trp_el.querySelector('.trp-ls-shortcode-language')\n\n            \/\/ set width\n            var trp_ls_shortcode_width = trp_shortcode_language_item.offsetWidth + 5;\n            trp_shortcode_language_item.style.width = trp_ls_shortcode_width + 'px';\n            trp_el.querySelector('.trp-ls-shortcode-current-language').style.width = trp_ls_shortcode_width + 'px';\n\n            \/\/ We're putting this on display: none after we have its width.\n            trp_shortcode_language_item.style.display = 'none';\n        }\n    <\/script>\n<\/div>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-0{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-nested-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-0{width:100% !important;order : 0;}.fusion-builder-nested-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-0{width:100% !important;order : 0;}.fusion-builder-nested-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none fusion-no-large-visibility\"><img width=\"400\" height=\"79\" title=\"Logo-High-Resolution\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-400x79.png\" class=\"img-responsive wp-image-3624\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-200x39.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-400x79.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-600x118.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-800x158.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-1200x237.png 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution.png 1536w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 1200px\" \/><\/span><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_5 2_5 fusion-flex-column fusion-flex-align-self-center fusion-no-small-visibility fusion-no-medium-visibility fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.3\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:left;\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none fusion-no-small-visibility fusion-no-medium-visibility\"><img width=\"400\" height=\"79\" title=\"Logo-High-Resolution\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-400x79.png\" class=\"img-responsive wp-image-3624\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-200x39.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-400x79.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-600x118.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-800x158.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution-1200x237.png 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-High-Resolution.png 1536w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-1{width:40% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 4.8%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 4.8%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-1{width:50% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 3.84%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_3_5 3_5 fusion-flex-column fusion-flex-align-self-flex-start fusion-no-small-visibility fusion-no-medium-visibility fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.3\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start fusion-no-small-visibility fusion-no-medium-visibility\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"custome-language\">\n<div class=\"trp-language-switcher trp-language-switcher-container\" data-no-translation>\n    <div class=\"trp-ls-shortcode-current-language\">\n        <a href=\"#\" class=\"trp-ls-shortcode-disabled-language trp-ls-disabled-language\" title=\"English\" onclick=\"event.preventDefault()\">\n\t\t\t English\t\t<\/a>\n    <\/div>\n    <div class=\"trp-ls-shortcode-language\">\n                <a href=\"#\" class=\"trp-ls-shortcode-disabled-language trp-ls-disabled-language\"  title=\"English\" onclick=\"event.preventDefault()\">\n\t\t\t English\t\t<\/a>\n                    <a href=\"https:\/\/ctoscredit.ibpo.com.my\/my\/wp-json\/wp\/v2\/pages\/3486\/\" title=\"Bahasa Melayu\">\n             Bahasa Melayu        <\/a>\n\n        <\/div>\n    <script type=\"application\/javascript\">\n        \/\/ need to have the same with set from JS on both divs. Otherwise it can push stuff around in HTML\n        var trp_ls_shortcodes = document.querySelectorAll('.trp-language-switcher');\n        if ( trp_ls_shortcodes.length > 0) {\n            \/\/ get the last language switcher added\n            var trp_el = trp_ls_shortcodes[trp_ls_shortcodes.length - 1];\n            var trp_shortcode_language_item = trp_el.querySelector('.trp-ls-shortcode-language')\n\n            \/\/ set width\n            var trp_ls_shortcode_width = trp_shortcode_language_item.offsetWidth + 5;\n            trp_shortcode_language_item.style.width = trp_ls_shortcode_width + 'px';\n            trp_el.querySelector('.trp-ls-shortcode-current-language').style.width = trp_ls_shortcode_width + 'px';\n\n            \/\/ We're putting this on display: none after we have its width.\n            trp_shortcode_language_item.style.display = 'none';\n        }\n    <\/script>\n<\/div>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-1{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-nested-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-1{width:100% !important;order : 0;}.fusion-builder-nested-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-1{width:100% !important;order : 0;}.fusion-builder-nested-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-2{width:60% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.2%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.2%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-2{width:50% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 3.84%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_2_5 2_5 fusion-flex-column fusion-flex-align-self-center fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.3\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-1{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"font-size:70px;margin-top:0px;margin-bottom:31px;\"><h1 class=\"title-heading-left\" style=\"margin:0;font-size:1em;color:#d0af4f;\"><span style=\"font-family: 'lato black';\" data-fusion-font=\"true\">Know Your Financial Status<br \/>\n<\/span><\/h1><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"border-color:#d0af4f;border-top-width:10px;\"><\/div><\/div>\n<div class=\"fusion-text fusion-text-1\" style=\"transform:translate3d(0,0,0);\"><p style=\"color: #ffffff; font-size: 20px; line-height: 1.3em; letter-spacing: -1px;\" data-fusion-font=\"true\"><span style=\"font-family: 'futura medium'; letter-spacing: 0.5px; font-size: 20px; line-height: 26px;\" data-fusion-font=\"true\">\u00a0<\/span><\/p>\n<p><span style=\"font-family: 'futura medium'; letter-spacing: 0.5px; font-size: 20px; line-height: 26px; color: #ffffff;\" data-fusion-font=\"true\">Are you wondering how your financial and credit statuses are?<\/span><\/p>\n<p style=\"color: #ffffff; font-size: 20px; line-height: 26px; font-family: 'futura bold';\" data-fusion-font=\"true\"><span style=\"font-family: 'lato black'; font-size: 20px; line-height: 26px; letter-spacing: 0.5px;\" data-fusion-font=\"true\">Courtesy of our official partner CTOS, you can get a free credit report!<br \/>\n<\/span><\/p>\n<p style=\"font-size: 20px; color: #ffffff; line-height: 26px; font-family: 'futura medium'; letter-spacing: 0.5px;\" data-fusion-font=\"true\">On top of that, you can schedule a free consultation session with one of our financial specialists to analyse your financial situation.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;width:100%;\"><\/div><div style=\"text-align:center;\"><style type=\"text\/css\">.fusion-button.button-1 .fusion-button-text, .fusion-button.button-1 i {color:#ffffff;}.fusion-button.button-1 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-1:hover .fusion-button-text, .fusion-button.button-1:hover i,.fusion-button.button-1:focus .fusion-button-text, .fusion-button.button-1:focus i,.fusion-button.button-1:active .fusion-button-text, .fusion-button.button-1:active{color:#ffffff;}.fusion-button.button-1:hover .fusion-button-icon-divider, .fusion-button.button-1:hover .fusion-button-icon-divider, .fusion-button.button-1:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-1:hover, .fusion-button.button-1:focus, .fusion-button.button-1:active{border-color:#ffffff;}.fusion-button.button-1 {border-color:#ffffff;border-radius:25px;}.fusion-button.button-1{background: #ac8d3f;\n\t\t\t\t\t\t\tbackground-image: -webkit-gradient( linear, left bottom, left top, from( #d0af4f ), to( #ac8d3f ) );\n\t\t\t\t\t\t\tbackground-image: -webkit-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image:   -moz-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image:     -o-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image: linear-gradient( to top, #d0af4f, #ac8d3f );}.fusion-button.button-1:hover,.button-1:focus,.fusion-button.button-1:active{background: #d0af4f;\n\t\t\t\t\t\t\tbackground-image: -webkit-gradient( linear, left bottom, left top, from( #ac8d3f ), to( #d0af4f ) );\n\t\t\t\t\t\t\tbackground-image: -webkit-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image:   -moz-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image:     -o-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image: linear-gradient( to top, #ac8d3f, #d0af4f );}.fusion-button.button-1 .fusion-button-text {text-transform:none;}<\/style><a class=\"fusion-button button-flat button-large button-custom button-1 fusion-button-span-yes fusion-button-default-type\" target=\"_self\" href=\"#bottom\"><span class=\"fusion-button-text\">Get Your Free CTOS Credit Report<\/span><\/a><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-3{width:40% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-3 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 4.8%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 4.8%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-3{width:50% !important;order : 0;}.fusion-builder-column-3 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 3.84%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-3{width:100% !important;order : 0;}.fusion-builder-column-3 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_3_5 3_5 fusion-flex-column fusion-flex-align-self-center fusion-animated\" data-animationtype=\"fadeInRight\" data-animationduration=\"0.3\" data-animationoffset=\"100%\" id=\"top\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-3 hover-type-none\"><img width=\"1418\" height=\"978\" title=\"Know-Your-Financial-Status\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Know-Your-Financial-Status.png\" class=\"img-responsive wp-image-3493\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Know-Your-Financial-Status-200x138.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Know-Your-Financial-Status-400x276.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Know-Your-Financial-Status-600x414.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Know-Your-Financial-Status-800x552.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Know-Your-Financial-Status-1200x828.png 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Know-Your-Financial-Status.png 1418w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 800px\" \/><\/span><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-4{width:60% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-4 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.2%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.2%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-4{width:50% !important;order : 0;}.fusion-builder-column-4 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 3.84%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-4{width:100% !important;order : 0;}.fusion-builder-column-4 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 2%;margin-top : 0px;padding-right : 0px;padding-bottom : 5%;margin-bottom : 0px;padding-left : 5%;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #111111;background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.5\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-2{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:45px;margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-left\" style=\"margin:0;font-size:1em;color:#d0af4f;\"><div style=\"text-align: center;\"><b style=\"font-family: var(--h2_typography-font-family); font-size: 1em; font-style: var(--h2_typography-font-style,normal); letter-spacing: var(--h2_typography-letter-spacing);\">How Do I Know More About My Finances?<\/b><\/div><\/h2><\/div><div class=\"fusion-text fusion-text-2\" style=\"font-size:24px;line-height:1.6em;letter-spacing:-0.5px;transform:translate3d(0,0,0);\"><p style=\"text-align: center; color: #ffffff;\">We\u2019re glad you asked, here\u2019s how we are helping you get acquainted with your financial status.<\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-5{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-5 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-5{width:100% !important;order : 0;}.fusion-builder-column-5 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-5{width:100% !important;order : 0;}.fusion-builder-column-5 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.5\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-4 hover-type-none\"><img width=\"1800\" height=\"1800\" title=\"Free-CTOS-report\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-CTOS-report.jpg\" class=\"img-responsive wp-image-3501\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-CTOS-report-200x200.jpg 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-CTOS-report-400x400.jpg 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-CTOS-report-600x600.jpg 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-CTOS-report-800x800.jpg 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-CTOS-report-1200x1200.jpg 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-CTOS-report.jpg 1800w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><ul class=\"fusion-checklist fusion-checklist-1\" style=\"font-size:16px;line-height:27.2px;\"><li class=\"fusion-li-item\"><span style=\"height:27.2px;width:27.2px;margin-right:11.2px;\" class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-file-alt fas\" style=\"color:#d0af4f;\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\" style=\"margin-left:38.4px;\"><span style=\"color: #000000; font-family: var(--body_typography-font-family); letter-spacing: var(--body_typography-letter-spacing); font-style: var(--body_typography-font-style,normal);\"><b style=\"color: #d0af4f;\">CTOS Credit Report<br \/>\n<\/b><\/span><\/p>\n<p><span style=\"color: #ffffff; font-family: var(--body_typography-font-family); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing); text-align: justify;\">As a result of our partnership with CTOS, you get a free CTOS credit report (worth RM 25) to understand your credit status.<\/span><\/div><\/li><\/ul><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-6{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-6 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-6{width:50% !important;order : 0;}.fusion-builder-column-6 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 3.84%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-6{width:100% !important;order : 0;}.fusion-builder-column-6 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.5\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-5 hover-type-none\"><img width=\"1800\" height=\"1800\" title=\"Free-financial-consultation\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-financial-consultation.jpg\" class=\"img-responsive wp-image-3806\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-financial-consultation-200x200.jpg 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-financial-consultation-400x400.jpg 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-financial-consultation-600x600.jpg 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-financial-consultation-800x800.jpg 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-financial-consultation-1200x1200.jpg 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Free-financial-consultation.jpg 1800w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><ul class=\"fusion-checklist fusion-checklist-2\" style=\"font-size:16px;line-height:27.2px;\"><li class=\"fusion-li-item\"><span style=\"height:27.2px;width:27.2px;margin-right:11.2px;\" class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-comment-dollar fas\" style=\"color:#d0af4f;\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\" style=\"margin-left:38.4px;\">\n<p style=\"color: #000000;\"><b style=\"color: #d0af4f;\">Free Financial Consultation<br \/>\n<\/b><\/p>\n<p style=\"color: #000000;\"><span style=\"color: #ffffff; font-family: var(--body_typography-font-family); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing); text-align: justify;\">Our consultants provide tailor-made solutions to solve your financial problems or to grow your wealth based on your CCRIS and CTOS report.<\/span><\/p>\n<\/div><\/li><\/ul><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-7{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-7 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-7{width:50% !important;order : 0;}.fusion-builder-column-7 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 3.84%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-7{width:100% !important;order : 0;}.fusion-builder-column-7 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInRight\" data-animationduration=\"0.5\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30px;width:100%;\"><\/div><div style=\"text-align:center;\"><style type=\"text\/css\">.fusion-button.button-2 .fusion-button-text, .fusion-button.button-2 i {color:#ffffff;}.fusion-button.button-2 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-2:hover .fusion-button-text, .fusion-button.button-2:hover i,.fusion-button.button-2:focus .fusion-button-text, .fusion-button.button-2:focus i,.fusion-button.button-2:active .fusion-button-text, .fusion-button.button-2:active{color:#ffffff;}.fusion-button.button-2:hover .fusion-button-icon-divider, .fusion-button.button-2:hover .fusion-button-icon-divider, .fusion-button.button-2:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-2:hover, .fusion-button.button-2:focus, .fusion-button.button-2:active{border-color:#ffffff;}.fusion-button.button-2 {border-color:#ffffff;border-radius:25px;}.fusion-button.button-2{background: #ac8d3f;\n\t\t\t\t\t\t\tbackground-image: -webkit-gradient( linear, left bottom, left top, from( #d0af4f ), to( #ac8d3f ) );\n\t\t\t\t\t\t\tbackground-image: -webkit-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image:   -moz-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image:     -o-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image: linear-gradient( to top, #d0af4f, #ac8d3f );}.fusion-button.button-2:hover,.button-2:focus,.fusion-button.button-2:active{background: #d0af4f;\n\t\t\t\t\t\t\tbackground-image: -webkit-gradient( linear, left bottom, left top, from( #ac8d3f ), to( #d0af4f ) );\n\t\t\t\t\t\t\tbackground-image: -webkit-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image:   -moz-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image:     -o-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image: linear-gradient( to top, #ac8d3f, #d0af4f );}.fusion-button.button-2 .fusion-button-text {text-transform:none;}<\/style><a class=\"fusion-button button-flat button-xlarge button-custom button-2 fusion-button-span-yes fusion-button-default-type\" target=\"_self\" href=\"#bottom\"><i class=\"fa-hands-helping fas button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text\">Understand Your Financial Health Now<\/span><\/a><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-8{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-8 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-8{width:100% !important;order : 0;}.fusion-builder-column-8 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-8{width:100% !important;order : 0;}.fusion-builder-column-8 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 8%;margin-top : 0px;padding-right : 0px;padding-bottom : 8%;margin-bottom : 0px;padding-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 30px;padding-bottom : 60px;}}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.5\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-3{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:45px;margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-left\" style=\"margin:0;font-size:1em;color:#d0af4f;\"><div style=\"text-align: center;\"><b style=\"font-family: var(--h2_typography-font-family); font-size: 1em; font-style: var(--h2_typography-font-style,normal); letter-spacing: var(--h2_typography-letter-spacing);\">What Can I Do with A Credit Score?<\/b><\/div><\/h2><\/div><div class=\"fusion-text fusion-text-3\" style=\"font-size:24px;line-height:1.6em;letter-spacing:-0.5px;transform:translate3d(0,0,0);\"><p style=\"text-align: center; color: #212121; font-size: 24px;\" data-fusion-font=\"true\">Your credit score determines what kind of credit services you have access to. Generally, anyone who has a credit card or has made loans before has a credit score.<\/p>\n<\/div><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-6 hover-type-none\"><img width=\"1396\" height=\"941\" title=\"What-Can-I-Do-with-Credit-Score\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/What-Can-I-Do-with-Credit-Score.png\" class=\"img-responsive wp-image-3503\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/What-Can-I-Do-with-Credit-Score-200x135.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/What-Can-I-Do-with-Credit-Score-400x270.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/What-Can-I-Do-with-Credit-Score-600x404.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/What-Can-I-Do-with-Credit-Score-800x539.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/What-Can-I-Do-with-Credit-Score-1200x809.png 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/What-Can-I-Do-with-Credit-Score.png 1396w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-9{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-9 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-9{width:100% !important;order : 0;}.fusion-builder-column-9 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-9{width:100% !important;order : 0;}.fusion-builder-column-9 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-no-small-visibility fusion-no-medium-visibility fusion-animated\" data-animationtype=\"fadeInRight\" data-animationduration=\"0.5\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-center\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-7 hover-type-none\"><img width=\"417\" height=\"417\" title=\"better-interest-rate\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/better-interest-rate.jpg\" class=\"img-responsive wp-image-3839\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/better-interest-rate-200x200.jpg 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/better-interest-rate-400x400.jpg 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/better-interest-rate.jpg 417w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-medium-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-2{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-nested-column-2 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-2{width:100% !important;order : 0;}.fusion-builder-nested-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-2{width:100% !important;order : 0;}.fusion-builder-nested-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_2_3 2_3 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-4\" style=\"transform:translate3d(0,0,0);\"><p style=\"color: #212121;\"><b style=\"color: #d0af4f;\">Better Loan Interest<\/b><\/p>\n<p><span style=\"color: #212121;\">A good score gives you easy access to loans with favourable terms since it indicates that you can be trusted with repaying debts on time.<\/span><\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-3{width:66.666666666667% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-nested-column-3 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 2.88%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2.88%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-3{width:100% !important;order : 0;}.fusion-builder-nested-column-3 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-3{width:100% !important;order : 0;}.fusion-builder-nested-column-3 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-4 fusion_builder_column_inner_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-8 hover-type-none\"><img width=\"417\" height=\"417\" title=\"higher-loan-approval\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/higher-loan-approval.jpg\" class=\"img-responsive wp-image-3834\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/higher-loan-approval-200x200.jpg 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/higher-loan-approval-400x400.jpg 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/higher-loan-approval.jpg 417w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-medium-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-4{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-nested-column-4 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-4{width:100% !important;order : 0;}.fusion-builder-nested-column-4 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-4{width:100% !important;order : 0;}.fusion-builder-nested-column-4 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-5 fusion_builder_column_inner_2_3 2_3 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-5\" style=\"transform:translate3d(0,0,0);\"><p style=\"color: #212121;\"><b style=\"color: #d0af4f;\">Higher Loan Approval Rate<\/b><\/p>\n<p style=\"color: #212121;\">Banks are more likely to approve your loan applications if you have a good credit history.<\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-5{width:66.666666666667% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-nested-column-5 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 2.88%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2.88%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-5{width:100% !important;order : 0;}.fusion-builder-nested-column-5 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-5{width:100% !important;order : 0;}.fusion-builder-nested-column-5 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-6 fusion_builder_column_inner_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-9 hover-type-none\"><img width=\"2560\" height=\"2560\" title=\"credit-card\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-scaled.jpg\" class=\"img-responsive wp-image-3455\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-200x200.jpg 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-400x400.jpg 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-600x600.jpg 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-800x800.jpg 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-1200x1200.jpg 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-scaled.jpg 2560w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-medium-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-6{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-nested-column-6 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-6{width:100% !important;order : 0;}.fusion-builder-nested-column-6 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-6{width:100% !important;order : 0;}.fusion-builder-nested-column-6 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-7 fusion_builder_column_inner_2_3 2_3 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-6\" style=\"transform:translate3d(0,0,0);\"><p><span style=\"color: #212121; font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><b style=\"color: #d0af4f;\">Better Credit Card Access<\/b><\/span><\/p>\n<p><span style=\"color: #212121;\">You will be eligible for credit cards with higher credit limits or better rewards if you have a good record of making credit payments on time and in full.<\/span><\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-7{width:66.666666666667% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-nested-column-7 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 2.88%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2.88%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-7{width:100% !important;order : 0;}.fusion-builder-nested-column-7 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-7{width:100% !important;order : 0;}.fusion-builder-nested-column-7 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-10{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-10 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-10{width:100% !important;order : 0;}.fusion-builder-column-10 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-10{width:100% !important;order : 0;}.fusion-builder-column-10 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start fusion-no-large-visibility\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-10 hover-type-none\"><img width=\"417\" height=\"417\" title=\"better-interest-rate\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/better-interest-rate.jpg\" class=\"img-responsive wp-image-3839\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/better-interest-rate-200x200.jpg 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/better-interest-rate-400x400.jpg 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/better-interest-rate.jpg 417w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-7\" style=\"transform:translate3d(0,0,0);\"><p style=\"color: #212121;\"><b style=\"color: #d0af4f;\">Better Loan Interest<\/b><\/p>\n<p><span style=\"color: #212121;\">A good score gives you easy access to loans with favourable terms since it indicates that you can be trusted with repaying debts on time.<\/span><\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-11{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-11 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-11{width:33.333333333333% !important;order : 0;}.fusion-builder-column-11 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-11{width:100% !important;order : 0;}.fusion-builder-column-11 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start fusion-no-large-visibility\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-11 hover-type-none\"><img width=\"417\" height=\"417\" title=\"higher-loan-approval\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/higher-loan-approval.jpg\" class=\"img-responsive wp-image-3834\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/higher-loan-approval-200x200.jpg 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/higher-loan-approval-400x400.jpg 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/higher-loan-approval.jpg 417w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-8\" style=\"transform:translate3d(0,0,0);\"><p style=\"color: #212121;\"><b style=\"color: #d0af4f;\">Higher Loan Approval Rate<\/b><\/p>\n<p style=\"color: #212121;\">Banks are more likely to approve your loan applications if you have a good credit history.<\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-12{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-12 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-12{width:33.333333333333% !important;order : 0;}.fusion-builder-column-12 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-12{width:100% !important;order : 0;}.fusion-builder-column-12 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start fusion-no-large-visibility\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-12 hover-type-none\"><img width=\"2560\" height=\"2560\" title=\"credit-card\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-scaled.jpg\" class=\"img-responsive wp-image-3455\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-200x200.jpg 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-400x400.jpg 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-600x600.jpg 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-800x800.jpg 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-1200x1200.jpg 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/credit-card-scaled.jpg 2560w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-9\" style=\"transform:translate3d(0,0,0);\"><p><span style=\"color: #212121; font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><b style=\"color: #d0af4f;\">Better Credit Card Access<\/b><\/span><\/p>\n<p><span style=\"color: #212121;\">You will be eligible for credit cards with higher credit limits or better rewards if you have a good record of making credit payments on time and in full.<\/span><\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-13{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-13 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-13{width:33.333333333333% !important;order : 0;}.fusion-builder-column-13 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-13{width:100% !important;order : 0;}.fusion-builder-column-13 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-3{ padding-top : 8%;margin-top : 0px;padding-right : 0px;padding-bottom : 8%;margin-bottom : 0px;padding-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-flex-container.fusion-builder-row-3{ padding-top : 30px;padding-bottom : 60px;}}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-4{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:45px;margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-left\" style=\"margin:0;font-size:1em;color:#d0af4f;\"><div style=\"text-align: center;\"><b style=\"font-family: var(--h2_typography-font-family); font-size: 1em; font-style: var(--h2_typography-font-style,normal); letter-spacing: var(--h2_typography-letter-spacing);\">Level Up Your Finance<\/b><\/div><\/h2><\/div><div class=\"fusion-text fusion-text-10\" style=\"font-size:24px;line-height:1.6em;letter-spacing:-0.5px;transform:translate3d(0,0,0);\"><p style=\"text-align: center; color: #212121; font-size: 24px;\" data-fusion-font=\"true\">Through our consultants, you will get to know your financial status in-depth. Our specialists can come up with tailor-made solutions based on your CCRIS and CTOS reports to help solve any looming problems, or suggest methods to slash expenses and grow wealth!<\/p>\n<\/div><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-13 hover-type-none\"><img width=\"1920\" height=\"1080\" title=\"Level-Up-Your-Finance\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Level-Up-Your-Finance.png\" class=\"img-responsive wp-image-3516\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Level-Up-Your-Finance-200x113.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Level-Up-Your-Finance-400x225.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Level-Up-Your-Finance-600x338.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Level-Up-Your-Finance-800x450.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Level-Up-Your-Finance-1200x675.png 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Level-Up-Your-Finance.png 1920w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 1200px\" \/><\/span><\/div><div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-14{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-14 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-14{width:100% !important;}.fusion-builder-column-14 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-14{width:100% !important;}.fusion-builder-column-14 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-4{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-flex-container.fusion-builder-row-4{ padding-top : 30px;padding-bottom : 60px;}}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-image: url(&quot;http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1.png&quot;);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-align-content-center\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div ><span class=\"fusion-imageframe imageframe-none imageframe-14 hover-type-none\" style=\"width:100%;max-width:60px;\"><img width=\"150\" height=\"150\" title=\"1-lightbulb\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1-lightbulb-150x150.png\" class=\"img-responsive wp-image-3518\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1-lightbulb-200x200.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1-lightbulb-400x400.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1-lightbulb.png 512w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 150px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-5{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:3em;margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-left\" style=\"margin:0;font-size:1em;line-height:50px;color:#d0af4f;\"><b><span style=\"font-family: var(--h2_typography-font-family); font-size: 1em; font-style: var(--h2_typography-font-style,normal); letter-spacing: var(--h2_typography-letter-spacing);\">Know your <\/span><\/b><b style=\"font-family: var(--h2_typography-font-family); font-size: 1em; font-style: var(--h2_typography-font-style,normal); letter-spacing: var(--h2_typography-letter-spacing);\">financial standing<\/b><\/h2><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"border-color:#d0af4f;border-top-width:10px;\"><\/div><\/div>\n<div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-15{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-15 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-15{width:100% !important;}.fusion-builder-column-15 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-15{width:100% !important;}.fusion-builder-column-15 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-11\" style=\"transform:translate3d(0,0,0);\"><p style=\"color: #212121; font-size: 26px;\" data-fusion-font=\"true\">Get a clear picture of your financial health through our consultant\u2019s precise financial report based on your CCRIS and CTOS reports.<\/p>\n<\/div><div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-16{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-16 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-16{width:100% !important;}.fusion-builder-column-16 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-16{width:100% !important;}.fusion-builder-column-16 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-5{ padding-top : 0px;margin-top : 2%;padding-right : 0px;padding-bottom : 0px;margin-bottom : 2%;padding-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-flex-container.fusion-builder-row-5{ padding-top : 30px;padding-bottom : 60px;}}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-image: url(&quot;http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2.png&quot;);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-align-content-center\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-17 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div ><span class=\"fusion-imageframe imageframe-none imageframe-15 hover-type-none\" style=\"width:100%;max-width:60px;\"><img width=\"150\" height=\"150\" title=\"2-magnifier\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2-magnifier-150x150.png\" class=\"img-responsive wp-image-3511\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2-magnifier-200x200.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2-magnifier-400x400.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2-magnifier.png 512w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 150px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-6{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:3em;margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-left\" style=\"margin:0;font-size:1em;line-height:50px;color:#d0af4f;\"><b style=\"font-family: var(--h2_typography-font-family); font-size: 1em; font-style: var(--h2_typography-font-style,normal); letter-spacing: var(--h2_typography-letter-spacing);\">Identify and solve financial threats<\/b><\/h2><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"border-color:#d0af4f;border-top-width:10px;\"><\/div><\/div>\n<div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-17{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-17 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-17{width:100% !important;}.fusion-builder-column-17 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-17{width:100% !important;}.fusion-builder-column-17 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-18 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-12\" style=\"transform:translate3d(0,0,0);\"><p style=\"color: #212121; font-size: 26px;\" data-fusion-font=\"true\">Our consultants will create a specially crafted plan to manage growing debts that doesn\u2019t involve taking extra work shifts.<\/p>\n<\/div><div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-18{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-18 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-18{width:100% !important;}.fusion-builder-column-18 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-18{width:100% !important;}.fusion-builder-column-18 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-6{ padding-top : 0px;margin-top : 2%;padding-right : 0px;padding-bottom : 0px;margin-bottom : 2%;padding-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-flex-container.fusion-builder-row-6{ padding-top : 30px;padding-bottom : 60px;}}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-image: url(&quot;http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3.png&quot;);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-align-content-center\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-19 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div ><span class=\"fusion-imageframe imageframe-none imageframe-16 hover-type-none\" style=\"width:100%;max-width:60px;\"><img width=\"150\" height=\"150\" title=\"3-plant\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3-plant-150x150.png\" class=\"img-responsive wp-image-3513\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3-plant-200x200.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3-plant-400x400.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3-plant.png 512w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 150px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-7{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:3em;margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-left\" style=\"margin:0;font-size:1em;line-height:50px;color:#d0af4f;\"><b>Discover new methods to grow wealth<\/b><\/h2><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"border-color:#d0af4f;border-top-width:10px;\"><\/div><\/div>\n<div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-19{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-19 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-19{width:100% !important;}.fusion-builder-column-19 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-19{width:100% !important;}.fusion-builder-column-19 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-20 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-13\" style=\"transform:translate3d(0,0,0);\"><p style=\"color: #212121; font-size: 26px;\" data-fusion-font=\"true\">Working 9 to 5 puts food on the table, but wealth comes from smart financing. Our consultants can identify areas of growth in your finances.<\/p>\n<\/div><div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-20{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-20 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-20{width:100% !important;}.fusion-builder-column-20 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-20{width:100% !important;}.fusion-builder-column-20 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-7{ padding-top : 0px;margin-top : 2%;padding-right : 0px;padding-bottom : 0px;margin-bottom : 2%;padding-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-flex-container.fusion-builder-row-7{ padding-top : 30px;padding-bottom : 60px;}}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-flex-container fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-image: url(&quot;http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/4.png&quot;);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-align-content-center\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-21 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div ><span class=\"fusion-imageframe imageframe-none imageframe-17 hover-type-none\" style=\"width:100%;max-width:60px;\"><img width=\"150\" height=\"150\" title=\"4-headphone\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/4-headphone-150x150.png\" class=\"img-responsive wp-image-3515\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/4-headphone-200x200.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/4-headphone-400x400.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/4-headphone.png 512w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 150px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-8{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:3em;margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-left\" style=\"margin:0;font-size:1em;line-height:50px;color:#d0af4f;\"><b><span style=\"font-family: var(--h2_typography-font-family); font-size: 1em; font-style: var(--h2_typography-font-style,normal); letter-spacing: var(--h2_typography-letter-spacing);\">Receive money management advice<\/span><\/b><\/h2><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"border-color:#d0af4f;border-top-width:10px;\"><\/div><\/div>\n<div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-21{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-21 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-21{width:100% !important;}.fusion-builder-column-21 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-21{width:100% !important;}.fusion-builder-column-21 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-22 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-14\" style=\"transform:translate3d(0,0,0);\"><p style=\"color: #212121; font-size: 26px;\" data-fusion-font=\"true\">Our consultants will also provide advice on finances to help manage and maintain your finances.<\/p>\n<\/div><div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-22{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-22 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-22{width:100% !important;}.fusion-builder-column-22 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-22{width:100% !important;}.fusion-builder-column-22 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-8{ padding-top : 0px;margin-top : 2%;padding-right : 0px;padding-bottom : 0px;margin-bottom : 2%;padding-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-flex-container.fusion-builder-row-8{ padding-top : 30px;padding-bottom : 60px;}}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-flex-container faded-background fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-position: center center;background-repeat: no-repeat;background-blend-mode: screen;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" ><div class=\"fullwidth-faded\" style=\"background-color:rgba(255,255,255,0);background-image: url(http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/why-us-bg-scaled.jpg);background-position:center center;background-repeat:no-repeat;background-blend-mode: screen;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" ><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-23 fusion_builder_column_1_6 1_6 fusion-flex-column fusion-no-small-visibility fusion-no-medium-visibility\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-23{width:16.666666666667% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-23 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 11.52%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 11.52%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-23{width:100% !important;}.fusion-builder-column-23 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-23{width:100% !important;}.fusion-builder-column-23 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-24 fusion_builder_column_2_3 2_3 fusion-flex-column fusion-animated\" data-animationtype=\"fadeInDown\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;border-radius:10px 10px 10px 10px;border-radius:10px 10px 10px 10px;overflow:hidden;padding: 0px 5% 0px 5%;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-9{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\" style=\"font-size:40px;margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-center\" style=\"margin:0;font-size:1em;color:#d0af4f;\"><b>Exclusivity and Efficiency<\/b><\/h2><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;width:100%;\"><\/div><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-18 hover-type-none\"><img width=\"600\" height=\"158\" title=\"Logo-horizontal-gold (1)\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-horizontal-gold-1-600x158.png\" class=\"img-responsive wp-image-3412\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-horizontal-gold-1-200x53.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-horizontal-gold-1-400x105.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-horizontal-gold-1-600x158.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-horizontal-gold-1-800x210.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-horizontal-gold-1-1200x315.png 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-horizontal-gold-1.png 1920w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 800px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-15\" style=\"text-align:center;font-size:24px;line-height:1.6em;letter-spacing:-0.5px;color:#ffffff;transform:translate3d(0,0,0);\"><p style=\"color: #ffffff; font-size: 20px; line-height: 26px; letter-spacing: 1px;\" data-fusion-font=\"true\">The banking world can be complex and confusing, which is why we offer ourselves as a one-stop-shop for all your financial needs.<br \/>\nSpecialising in debt management, refinancing, and loan advisory among other financial services, IBPO Group Berhad\u2019s partnerships with esteemed financial institutions gain you access to exclusive financial strategies. We save you not just money, but time.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-24{width:66.666666666667% !important;margin-top : 30px;margin-bottom : 30px;}.fusion-builder-column-24 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 5% !important;margin-right : 2.88%;padding-bottom : 0px !important;padding-left : 5% !important;margin-left : 2.88%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-24{width:100% !important;order : 0;}.fusion-builder-column-24 > .fusion-column-wrapper {padding-right : 12% !important;margin-right : 1.92%;padding-left : 12% !important;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-24{width:100% !important;order : 0;}.fusion-builder-column-24 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-25 fusion_builder_column_1_6 1_6 fusion-flex-column fusion-no-small-visibility fusion-no-medium-visibility\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-25{width:16.666666666667% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-25 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 11.52%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 11.52%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-25{width:100% !important;}.fusion-builder-column-25 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-25{width:100% !important;}.fusion-builder-column-25 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-9{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 10%;margin-bottom : -10%;padding-left : 0px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-10 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-26 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper fusion-column-hover-type-liftup fusion-column-liftup-border fusion-animated\" data-animationtype=\"fadeIn\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"padding: 10% 16% 10% 16%;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-10{margin-top:0px!important;margin-bottom:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"font-size:70px;margin-top:0px;margin-bottom:0px;\"><h3 class=\"title-heading-center\" style=\"margin:0;font-size:1em;letter-spacing:-2px;color:#d0af4f;\"><b>10,000+<\/b><\/h3><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-11{margin-top:0px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"font-size:25px;margin-top:0px;margin-bottom:10px;\"><h4 class=\"title-heading-center\" style=\"margin:0;font-size:1em;line-height:36.0px;color:#d0af4f;\">Financially Successful Clients<\/h4><\/div><div class=\"fusion-text fusion-text-16\" style=\"text-align:center;transform:translate3d(0,0,0);\"><p style=\"color: #bdbdbd;\"><span style=\"color: #212121;\">Customer\u2019s Success Guaranteed<\/span><\/p>\n<\/div><\/div><span class=\"fusion-column-inner-bg hover-type-liftup\"><a class=\"fusion-column-anchor\"><span class=\"fusion-column-inner-bg-image\" style=\"background-color:#ffffff;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;box-shadow:1px 1px 100px 0px rgba(0,0,0,0.43);;\"><\/span><\/a><\/span><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-26{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-26 > .fusion-column-wrapper {padding-top : 10% !important;padding-right : 16% !important;margin-right : 3.84%;padding-bottom : 10% !important;padding-left : 16% !important;margin-left : 2px;}.fusion-flex-container .fusion-row .fusion-builder-column-26 > .fusion-column-inner-bg { margin-right:3.84%;margin-left:2px; }@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-26{width:50% !important;order : 0;}.fusion-builder-column-26 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 2px;}.fusion-flex-container .fusion-row .fusion-builder-column-26 > .fusion-column-inner-bg { margin-right:3.84%;margin-left:2px; }}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-26{width:100% !important;order : 0;}.fusion-builder-column-26 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}.fusion-flex-container .fusion-row .fusion-builder-column-26 > .fusion-column-inner-bg { margin-right:1.92%;margin-left:1.92%; }}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-27 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper fusion-column-hover-type-liftup fusion-column-liftup-border fusion-animated\" data-animationtype=\"fadeIn\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"padding: 10% 16% 10% 16%;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-12{margin-top:0px!important;margin-bottom:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"font-size:70px;margin-top:0px;margin-bottom:0px;\"><h3 class=\"title-heading-center\" style=\"margin:0;font-size:1em;letter-spacing:-2px;color:#d0af4f;\"><b>RM 4.27mil+<\/b><\/h3><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-13{margin-top:0px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"font-size:25px;margin-top:0px;margin-bottom:10px;\"><h4 class=\"title-heading-center\" style=\"margin:0;font-size:1em;line-height:36px;color:#d0af4f;\">Wealth Generated for Clients<\/h4><\/div><div class=\"fusion-text fusion-text-17\" style=\"text-align:center;transform:translate3d(0,0,0);\"><p style=\"color: #212121;\">Your Wealth is in Safe Hands<\/p>\n<\/div><\/div><span class=\"fusion-column-inner-bg hover-type-liftup\"><a class=\"fusion-column-anchor\"><span class=\"fusion-column-inner-bg-image\" style=\"background-color:#ffffff;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;box-shadow:1px 1px 100px 0px rgba(0,0,0,0.43);;\"><\/span><\/a><\/span><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-27{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-27 > .fusion-column-wrapper {padding-top : 10% !important;padding-right : 16% !important;margin-right : 2px;padding-bottom : 10% !important;padding-left : 16% !important;margin-left : 3.84%;}.fusion-flex-container .fusion-row .fusion-builder-column-27 > .fusion-column-inner-bg { margin-right:2px;margin-left:3.84%; }@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-27{width:50% !important;order : 0;}.fusion-builder-column-27 > .fusion-column-wrapper {margin-right : 2px;margin-left : 3.84%;}.fusion-flex-container .fusion-row .fusion-builder-column-27 > .fusion-column-inner-bg { margin-right:2px;margin-left:3.84%; }}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-27{width:100% !important;order : 0;}.fusion-builder-column-27 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}.fusion-flex-container .fusion-row .fusion-builder-column-27 > .fusion-column-inner-bg { margin-right:1.92%;margin-left:1.92%; }}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-10{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-11 fusion-flex-container faded-background fusion-parallax-fixed nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-attachment:fixed;\" ><div class=\"fullwidth-faded\" style=\"background-attachment:fixed;background-color:rgba(255,255,255,0);background-image: url(http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Logo-stamp-1024x605.png);background-position:center center;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" ><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:calc( 1140px + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-28 fusion_builder_column_1_5 1_5 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-28{width:20% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-28 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 0px;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-28{width:100% !important;order : 0;}.fusion-builder-column-28 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-28{width:100% !important;order : 0;}.fusion-builder-column-28 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-29 fusion_builder_column_3_5 3_5 fusion-flex-column fusion-animated\" data-animationtype=\"fadeInDown\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-18\" style=\"transform:translate3d(0,0,0);\"><p style=\"text-align: center;\"><span style=\"font-size: 14px; letter-spacing: 2px; color: #272d3a;\"><b style=\"font-size: 29px; color: #d0af4f;\" data-fusion-font=\"true\">Our Partners<\/b><\/span><\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"border-color:#d0af4f;border-top-width:10px;\"><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:10px;width:100%;\"><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start\" style=\"width:calc( 100% + 0px ) !important;max-width:calc( 100% + 0px ) !important;margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-8 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-19 hover-type-none\" style=\"width:100%;max-width:150px;\"><img width=\"200\" height=\"77\" title=\"CTOS-logo\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-logo-200x77.png\" class=\"img-responsive wp-image-3788\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-logo-200x77.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-logo-400x153.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-logo-600x230.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-logo.png 720w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><div class=\"fusion-separator fusion-no-medium-visibility fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-8{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-nested-column-8 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 0px;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-8{width:50% !important;order : 0;}.fusion-builder-nested-column-8 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-8{width:100% !important;order : 0;}.fusion-builder-nested-column-8 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-9 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-20 hover-type-none\" style=\"width:100%;max-width:150px;\"><img width=\"200\" height=\"65\" title=\"Experian-logo\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Experian-logo-200x65.png\" class=\"img-responsive wp-image-3789\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Experian-logo-200x65.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Experian-logo-400x129.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Experian-logo-600x194.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Experian-logo-800x259.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Experian-logo.png 835w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><div class=\"fusion-separator fusion-no-medium-visibility fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-9{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-nested-column-9 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 0px;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-9{width:50% !important;order : 0;}.fusion-builder-nested-column-9 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-9{width:100% !important;order : 0;}.fusion-builder-nested-column-9 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-medium-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:10px;width:100%;\"><\/div><div class=\"fusion-text fusion-text-19\" style=\"transform:translate3d(0,0,0);\"><p style=\"text-align: center;\"><span style=\"font-size: 14px; letter-spacing: 2px; color: #272d3a;\"><b style=\"font-size: 30px; color: #d0af4f;\" data-fusion-font=\"true\">Winner of<\/b><\/span><\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"border-color:#d0af4f;border-top-width:10px;\"><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:10px;width:100%;\"><\/div><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-21 hover-type-none\" style=\"width:100%;max-width:150px;\"><img width=\"200\" height=\"96\" title=\"SME100-logo-01\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/SME100-logo-01-200x96.png\" class=\"img-responsive wp-image-3790\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/SME100-logo-01-200x96.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/SME100-logo-01-400x191.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/SME100-logo-01-600x287.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/SME100-logo-01-800x383.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/SME100-logo-01-1200x574.png 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/SME100-logo-01.png 2813w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 1200px\" \/><\/span><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-29{width:60% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-29 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 2px;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-29{width:100% !important;}.fusion-builder-column-29 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-29{width:100% !important;}.fusion-builder-column-29 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-30 fusion_builder_column_1_5 1_5 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-30{width:20% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-30 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 0px;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-30{width:100% !important;order : 0;}.fusion-builder-column-30 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-30{width:100% !important;order : 0;}.fusion-builder-column-30 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-31 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationtype=\"fadeInDown\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30px;width:100%;\"><\/div><div style=\"text-align:center;\"><style type=\"text\/css\">.fusion-button.button-3 .fusion-button-text, .fusion-button.button-3 i {color:#ffffff;}.fusion-button.button-3 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-3:hover .fusion-button-text, .fusion-button.button-3:hover i,.fusion-button.button-3:focus .fusion-button-text, .fusion-button.button-3:focus i,.fusion-button.button-3:active .fusion-button-text, .fusion-button.button-3:active{color:#ffffff;}.fusion-button.button-3:hover .fusion-button-icon-divider, .fusion-button.button-3:hover .fusion-button-icon-divider, .fusion-button.button-3:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-3:hover, .fusion-button.button-3:focus, .fusion-button.button-3:active{border-color:#ffffff;}.fusion-button.button-3 {border-color:#ffffff;border-radius:25px;}.fusion-button.button-3{background: #ac8d3f;\n\t\t\t\t\t\t\tbackground-image: -webkit-gradient( linear, left bottom, left top, from( #d0af4f ), to( #ac8d3f ) );\n\t\t\t\t\t\t\tbackground-image: -webkit-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image:   -moz-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image:     -o-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image: linear-gradient( to top, #d0af4f, #ac8d3f );}.fusion-button.button-3:hover,.button-3:focus,.fusion-button.button-3:active{background: #d0af4f;\n\t\t\t\t\t\t\tbackground-image: -webkit-gradient( linear, left bottom, left top, from( #ac8d3f ), to( #d0af4f ) );\n\t\t\t\t\t\t\tbackground-image: -webkit-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image:   -moz-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image:     -o-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image: linear-gradient( to top, #ac8d3f, #d0af4f );}.fusion-button.button-3 .fusion-button-text {text-transform:none;}<\/style><a class=\"fusion-button button-flat button-xlarge button-custom button-3 fusion-button-span-yes fusion-button-default-type\" target=\"_self\" href=\"#bottom\"><i class=\"fa-hands-helping fas button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text\">Click Here For Your CTOS Report!<\/span><\/a><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-31{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-31 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 0px;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-31{width:100% !important;}.fusion-builder-column-31 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-31{width:100% !important;}.fusion-builder-column-31 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-11{ padding-top : 5%;margin-top : 0px;padding-right : 0px;padding-bottom : 5%;margin-bottom : 0px;padding-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-flex-container.fusion-builder-row-11{ padding-top : 20px;padding-bottom : 20px;}}<\/style><\/div><div id=\"howitworks\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-12 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-image:linear-gradient(180deg, #111111 0%,#1c1c1c 100%);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-32 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-14{margin-top:!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-14 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:40px;margin-top:0px;margin-bottom:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;font-size:1em;color:#d0af4f;\"><p style=\"text-align: center;\"><b>The 3-step Process<\/b><\/p><\/h2><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-medium-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><div class=\"fusion-text fusion-text-20\" style=\"font-size:24px;line-height:1.6em;letter-spacing:-0.5px;color:#ffffff;transform:translate3d(0,0,0);\"><p style=\"text-align: center;\">How does this work? Don\u2019t worry, we got you covered.<\/p>\n<\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-medium-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-32{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-32 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-32{width:100% !important;order : 0;}.fusion-builder-column-32 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-32{width:100% !important;order : 0;}.fusion-builder-column-32 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-33 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-22 hover-type-none\"><img width=\"1024\" height=\"1024\" title=\"1.-Sign-up\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1.-Sign-up-1024x1024.png\" class=\"img-responsive wp-image-3757\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1.-Sign-up-200x200.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1.-Sign-up-400x400.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1.-Sign-up-600x600.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1.-Sign-up-800x800.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1.-Sign-up-1200x1200.png 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/1.-Sign-up.png 1800w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-21\" style=\"transform:translate3d(0,0,0);\"><p style=\"text-align: center; color: #fff; font-size: 2em;\"><b>1. Sign Up<\/b><\/p>\n<p style=\"text-align: center; color: #fff;\"><span style=\"font-weight: 400;\">Submit the form and we will send you an email containing the links to schedule your appointment and claim your CTOS report.<\/span><\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-33{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-33 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-33{width:33.333333333333% !important;order : 0;}.fusion-builder-column-33 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-33{width:100% !important;order : 0;}.fusion-builder-column-33 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-34 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-23 hover-type-none\"><img width=\"1024\" height=\"1024\" title=\"2.-We-reach-out-to-you\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2.-We-reach-out-to-you-1024x1024.png\" class=\"img-responsive wp-image-3756\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2.-We-reach-out-to-you-200x200.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2.-We-reach-out-to-you-400x400.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2.-We-reach-out-to-you-600x600.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2.-We-reach-out-to-you-800x800.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2.-We-reach-out-to-you-1200x1200.png 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/2.-We-reach-out-to-you.png 1800w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-22\" style=\"transform:translate3d(0,0,0);\"><p style=\"text-align: center; color: #fff; font-size: 2em;\"><b>2. We Reach Out to You<\/b><\/p>\n<p style=\"text-align: center; color: #fff;\"><span style=\"font-weight: 400;\">One of our consultants will contact you on the scheduled date for your consultation session.<\/span><\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-34{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-34 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-34{width:33.333333333333% !important;order : 0;}.fusion-builder-column-34 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-34{width:100% !important;order : 0;}.fusion-builder-column-34 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-35 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\"fusion-imageframe imageframe-none imageframe-24 hover-type-none\"><img width=\"1024\" height=\"1024\" title=\"3.-Get-expert-advice\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3.-Get-expert-advice-1024x1024.png\" class=\"img-responsive wp-image-3755\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3.-Get-expert-advice-200x200.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3.-Get-expert-advice-400x400.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3.-Get-expert-advice-600x600.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3.-Get-expert-advice-800x800.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3.-Get-expert-advice-1200x1200.png 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/3.-Get-expert-advice.png 1800w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-23\" style=\"transform:translate3d(0,0,0);\"><p style=\"text-align: center; color: #fff; font-size: 2em;\"><b>3. Get Expert Advice<\/b><\/p>\n<p style=\"text-align: center; color: #fff;\"><span style=\"font-weight: 400;\">During your consultation, our consultant will come up with a tailored financial plan made exclusively for your needs.<\/span><\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-35{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-35 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-35{width:33.333333333333% !important;order : 0;}.fusion-builder-column-35 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-35{width:100% !important;order : 0;}.fusion-builder-column-35 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-36 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-separator fusion-no-small-visibility fusion-no-medium-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:50px;width:100%;\"><\/div><div style=\"text-align:center;\"><style type=\"text\/css\">.fusion-button.button-4 .fusion-button-text, .fusion-button.button-4 i {color:#ffffff;}.fusion-button.button-4 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-4:hover .fusion-button-text, .fusion-button.button-4:hover i,.fusion-button.button-4:focus .fusion-button-text, .fusion-button.button-4:focus i,.fusion-button.button-4:active .fusion-button-text, .fusion-button.button-4:active{color:#ffffff;}.fusion-button.button-4:hover .fusion-button-icon-divider, .fusion-button.button-4:hover .fusion-button-icon-divider, .fusion-button.button-4:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-4:hover, .fusion-button.button-4:focus, .fusion-button.button-4:active{border-color:#ffffff;}.fusion-button.button-4 {border-color:#ffffff;border-radius:25px;}.fusion-button.button-4{background: #ac8d3f;\n\t\t\t\t\t\t\tbackground-image: -webkit-gradient( linear, left bottom, left top, from( #d0af4f ), to( #ac8d3f ) );\n\t\t\t\t\t\t\tbackground-image: -webkit-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image:   -moz-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image:     -o-linear-gradient( bottom, #d0af4f, #ac8d3f );\n\t\t\t\t\t\t\tbackground-image: linear-gradient( to top, #d0af4f, #ac8d3f );}.fusion-button.button-4:hover,.button-4:focus,.fusion-button.button-4:active{background: #d0af4f;\n\t\t\t\t\t\t\tbackground-image: -webkit-gradient( linear, left bottom, left top, from( #ac8d3f ), to( #d0af4f ) );\n\t\t\t\t\t\t\tbackground-image: -webkit-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image:   -moz-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image:     -o-linear-gradient( bottom, #ac8d3f, #d0af4f );\n\t\t\t\t\t\t\tbackground-image: linear-gradient( to top, #ac8d3f, #d0af4f );}.fusion-button.button-4 .fusion-button-text {text-transform:none;}<\/style><a class=\"fusion-button button-flat button-xlarge button-custom button-4 fusion-button-span-yes fusion-button-default-type\" target=\"_self\" href=\"#bottom\"><i class=\"fa-hands-helping fas button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text\">Simple Isn\u2019t it? Sign Up Here! <\/span><\/a><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-36{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-36 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-36{width:100% !important;order : 0;}.fusion-builder-column-36 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-36{width:100% !important;order : 0;}.fusion-builder-column-36 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-12{ padding-top : 8%;margin-top : 0px;padding-right : 0px;padding-bottom : 7%;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-13 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #f2f3f3;background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-37 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-15{margin-top:0px!important;margin-bottom:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-15 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:45px;margin-top:0px;margin-bottom:0px;\"><h2 class=\"title-heading-left sm-text-align-center\" style=\"margin:0;font-size:1em;color:#d0af4f;\"><b>FAQ<\/b><\/h2><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"border-color:#d0af4f;border-top-width:10px;\"><\/div><\/div>\n<div class=\"fusion-separator fusion-no-small-visibility fusion-no-medium-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30px;width:100%;\"><\/div><style type=\"text\/css\">.fusion-accordian  #accordion-3486-1 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-3486-1 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}.fusion-accordian  #accordion-3486-1 .fa-fusion-box { background-color: #212121;border-color: #212121;}.fusion-accordian  #accordion-3486-1 .panel-title a:hover, #accordion-3486-1 .fusion-toggle-boxed-mode:hover .panel-title a { color: #d0af4f;}.fusion-accordian  #accordion-3486-1 .panel-title .active .fa-fusion-box,.fusion-accordian  #accordion-3486-1 .panel-title a:hover .fa-fusion-box { background-color: #d0af4f!important;border-color: #d0af4f!important;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-3486-1\" role=\"tablist\"><div class=\"fusion-panel panel-default\" role=\"tabpanel\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a aria-expanded=\"false\" aria-selected=\"false\" aria-controls=\"08ce61a3aad93be37\" role=\"tab\" data-toggle=\"collapse\" data-parent=\"#accordion-3486-1\" data-target=\"#08ce61a3aad93be37\" href=\"#08ce61a3aad93be37\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What is a CTOS report?<\/span><\/a><\/h4><\/div><div id=\"08ce61a3aad93be37\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: left; color: #212121;\"><span style=\"font-weight: 400;\">A CTOS report is a report of your credit score as provided by our official partner CTOS. Knowing your credit score allows you to learn about what kind of credit services you have access to. You also get to understand your financial status a little bit more and if you\u2019ve been using credit appropriately.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\" role=\"tabpanel\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a aria-expanded=\"false\" aria-selected=\"false\" aria-controls=\"c7ae4d9b31be6fe37\" role=\"tab\" data-toggle=\"collapse\" data-parent=\"#accordion-3486-1\" data-target=\"#c7ae4d9b31be6fe37\" href=\"#c7ae4d9b31be6fe37\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How Do I Redeem My CTOS Report?<\/span><\/a><\/h4><\/div><div id=\"c7ae4d9b31be6fe37\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: left; color: #212121;\"><span style=\"font-weight: 400;\">After registering with us, you will receive an email containing the link to the CTOS page where you can fill in your information and go through eKYC to retrieve your free credit report.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\" role=\"tabpanel\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a aria-expanded=\"false\" aria-selected=\"false\" aria-controls=\"3a1f9f580edee5c80\" role=\"tab\" data-toggle=\"collapse\" data-parent=\"#accordion-3486-1\" data-target=\"#3a1f9f580edee5c80\" href=\"#3a1f9f580edee5c80\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What is eKYC?<\/span><\/a><\/h4><\/div><div id=\"3a1f9f580edee5c80\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: left; color: #212121;\"><span style=\"font-weight: 400;\">eKYC enables the digital on-boarding of customers to occur anytime and anywhere. With the implementation of eKYC, a majority of customers no longer need to visit the physical premises of a financial service provider to open an account.<\/span><\/p>\n<p><a href=\"http:\/\/ctoscredit.ibpo.com.my\/en\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A.jpg\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img class=\"aligncenter wp-image-3810 size-medium\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-243x300.jpg\" alt=\"\" width=\"243\" height=\"300\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-10x12.jpg 10w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-200x247.jpg 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-243x300.jpg 243w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-400x494.jpg 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-600x740.jpg 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-768x948.jpg 768w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-800x987.jpg 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-830x1024.jpg 830w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-1200x1481.jpg 1200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-1245x1536.jpg 1245w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A-1660x2048.jpg 1660w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-eKYC-Press-Ad-Updated-19Oct2020A.jpg 2056w\" sizes=\"(max-width: 243px) 100vw, 243px\" \/><\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\" role=\"tabpanel\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a aria-expanded=\"false\" aria-selected=\"false\" aria-controls=\"0f281dbe056a21ce6\" role=\"tab\" data-toggle=\"collapse\" data-parent=\"#accordion-3486-1\" data-target=\"#0f281dbe056a21ce6\" href=\"#0f281dbe056a21ce6\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What is on My CTOS Report?<\/span><\/a><\/h4><\/div><div id=\"0f281dbe056a21ce6\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: left; color: #212121;\"><span style=\"font-weight: 400;\">Your CTOS Report will include your identity verification, your directorships and business interests, your banking payment records sourced from your CCRIS report, your legal record, and your trade references.<\/span><\/p>\n<p><a href=\"http:\/\/ctoscredit.ibpo.com.my\/en\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample.png\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img class=\"alignleft wp-image-3811 size-medium\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample-212x300.png\" alt=\"\" width=\"212\" height=\"300\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample-8x12.png 8w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample-200x283.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample-212x300.png 212w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample-400x566.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample-600x849.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample-724x1024.png 724w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample-768x1087.png 768w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample-800x1132.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/CTOS-Report-Sample.png 1000w\" sizes=\"(max-width: 212px) 100vw, 212px\" \/><\/a><a href=\"http:\/\/ctoscredit.ibpo.com.my\/en\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris.png\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img class=\"alignleft wp-image-3809 size-medium\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris-212x300.png\" alt=\"\" width=\"212\" height=\"300\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris-8x12.png 8w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris-200x283.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris-212x300.png 212w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris-400x566.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris-600x849.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris-724x1024.png 724w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris-768x1086.png 768w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris-800x1132.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/laporan-ctos-ccris.png 847w\" sizes=\"(max-width: 212px) 100vw, 212px\" \/><\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\" role=\"tabpanel\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a aria-expanded=\"false\" aria-selected=\"false\" aria-controls=\"6e3a2fc6c5a4ab70d\" role=\"tab\" data-toggle=\"collapse\" data-parent=\"#accordion-3486-1\" data-target=\"#6e3a2fc6c5a4ab70d\" href=\"#6e3a2fc6c5a4ab70d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Is it Completely Free?<\/span><\/a><\/h4><\/div><div id=\"6e3a2fc6c5a4ab70d\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: left; color: #212121;\">Our consultations are free of charge, you do not have to pay a fee. The consultation is inclusive of:<\/p>\n<ul>\n<li style=\"text-align: left; color: #212121;\"><span style=\"color: #212121;\">Consultation<\/span><\/li>\n<li style=\"text-align: left; color: #212121;\"><span style=\"color: #212121;\">Pre-qualification<\/span><\/li>\n<li style=\"text-align: left; color: #212121;\"><span style=\"color: #212121;\">CCRIS Report<br \/>\n<\/span><\/li>\n<\/ul>\n<div style=\"text-align: left;\"><span style=\"font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing); color: #212121;\">The following steps are only included if you engage in our paid services:<\/span><\/div>\n<ul>\n<li style=\"text-align: left; color: #212121;\">Verification<\/li>\n<li style=\"text-align: left; color: #212121;\">Proposal<\/li>\n<li style=\"text-align: left; color: #212121;\">Submission of Documents<\/li>\n<li style=\"text-align: left; color: #212121;\">Approval from Banks<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\" role=\"tabpanel\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a aria-expanded=\"false\" aria-selected=\"false\" aria-controls=\"e0f1e27eb944e28c9\" role=\"tab\" data-toggle=\"collapse\" data-parent=\"#accordion-3486-1\" data-target=\"#e0f1e27eb944e28c9\" href=\"#e0f1e27eb944e28c9\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How Much Can Your Services Help Me?<\/span><\/a><\/h4><\/div><div id=\"e0f1e27eb944e28c9\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p><span style=\"font-weight: 400; color: #212121;\">Our services have been known to help clients reduce up to 70% of their monthly commitments through loan tenure extensions. <\/span><\/p>\n<p><span style=\"font-weight: 400; color: #212121;\">You can also save as much as 70% from reduced interest rates and settle all your debts much quicker.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\" role=\"tabpanel\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a aria-expanded=\"false\" aria-selected=\"false\" aria-controls=\"2ae987c9de23df8c4\" role=\"tab\" data-toggle=\"collapse\" data-parent=\"#accordion-3486-1\" data-target=\"#2ae987c9de23df8c4\" href=\"#2ae987c9de23df8c4\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Are Your Consultants Qualified to Help Me?<\/span><\/a><\/h4><\/div><div id=\"2ae987c9de23df8c4\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: left; color: #212121;\"><span style=\"font-weight: 400;\">Our consultants have prior experience working for international banks. They have the required knowledge to steer you in the right direction.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\" role=\"tabpanel\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a aria-expanded=\"false\" aria-selected=\"false\" aria-controls=\"e8821dfd040d7d2a5\" role=\"tab\" data-toggle=\"collapse\" data-parent=\"#accordion-3486-1\" data-target=\"#e8821dfd040d7d2a5\" href=\"#e8821dfd040d7d2a5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Will I be Forced to Make a Purchase?<\/span><\/a><\/h4><\/div><div id=\"e8821dfd040d7d2a5\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: left; color: #212121;\"><span style=\"font-weight: 400;\">Our consultants have worked in globally recognised banks and uphold the highest level of professionalism, the decision to hire our services is entirely optional and up to you.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\" role=\"tabpanel\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a aria-expanded=\"false\" aria-selected=\"false\" aria-controls=\"325b84d51e2994652\" role=\"tab\" data-toggle=\"collapse\" data-parent=\"#accordion-3486-1\" data-target=\"#325b84d51e2994652\" href=\"#325b84d51e2994652\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Why Should I Go for the Financial Consultation?<\/span><\/a><\/h4><\/div><div id=\"325b84d51e2994652\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: left; color: #212121;\"><span style=\"font-weight: 400;\">Effective use of money is essential to achieving financial balance. We believe through our consultation, we can help you achieve your financial goals much more efficiently.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-37{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-37 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 4.608%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-37{width:100% !important;margin-bottom : 25px;}.fusion-builder-column-37 > .fusion-column-wrapper {margin-right : 4.608%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-37{width:100% !important;margin-bottom : 0px;}.fusion-builder-column-37 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><style 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url(&quot;http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/form-background-1024x576.png&quot;);background-position: center top;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-38 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" data-animationtype=\"fadeInLeft\" data-animationduration=\"0.8\" data-animationoffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-16{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-16 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:60px;margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-left\" style=\"margin:0;font-size:1em;line-height:1.25em;color:#d0af4f;\"><p><span style=\"font-family: 'lato black';\" data-fusion-font=\"true\">Understand Your Finances<br \/>\n<\/span><\/p><\/h2><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-17{margin-top:0px!important;margin-bottom:31px!important;}}<\/style><div class=\"fusion-title title fusion-title-17 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"font-size:25px;margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-left\" style=\"margin:0;font-size:1em;line-height:1.25em;color:#ffffff;\"><div>\n<p><span style=\"font-family: 'futura medium';\" data-fusion-font=\"true\">Fill in the form for your <b>free CTOS credit report<\/b> and <b>free financial consultation<\/b>!<\/span><\/p>\n<\/div><\/h2><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;width:100%;\"><\/div><div ><span class=\"fusion-imageframe imageframe-none imageframe-25 hover-type-none\"><img width=\"1024\" height=\"754\" title=\"Take-Charge-of-Your-Finances\" src=\"http:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Take-Charge-of-Your-Finances-1024x754.png\" class=\"img-responsive wp-image-3758\" srcset=\"https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Take-Charge-of-Your-Finances-200x147.png 200w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Take-Charge-of-Your-Finances-400x295.png 400w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Take-Charge-of-Your-Finances-600x442.png 600w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Take-Charge-of-Your-Finances-800x589.png 800w, https:\/\/ctoscredit.ibpo.com.my\/wp-content\/uploads\/2020\/10\/Take-Charge-of-Your-Finances.png 1132w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-38{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-38 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-38{width:50% 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style=\"text-align: center; color: #ffffff; font-size: 20px; line-height: 1.3em; letter-spacing: -1px;\" data-fusion-font=\"true\"><b style=\"color: #d0af4f; font-size: 26px;\" data-fusion-font=\"true\">Redeem Your CTOS Credit Report<\/b><\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;width:100%;\"><\/div><script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/shell.js\"><\/script>\n<script>\n  hbspt.forms.create({\n\tportalId: \"8268350\",\n\tformId: \"b89bc087-9d44-4394-871c-11cfaa8faf8d\",\n\tonFormSubmitted: function($form) {\n  \tfbq('track', 'CompleteRegistration', {\n    \tvalue: 0.0,\n      currency: 'MYR',\n      });\n\t\t} \n\t});\n<\/script><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-39{width:50% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-39 > .fusion-column-wrapper {padding-top : 5% 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