Co. Registration no.

: 200100843C

V3.0 Enhanced Consumer Credit Report (CONSUMER’S VERSION)

Enquiry Number: 000054641 Enquiry Date: 16/10/2018

Reference: S1234567D_16102018

Data Provided Summary

Date of Earliest known Credit

Name: Peter Tan 22/03/2004
Account
ID Type: NRIC Previous Enquiries 3
ID Number: S1234567D Accounts 6
Date of Birth: 01/01/1960 Defaults 1
Postal Code: 552665 Bankruptcy Proceedings 2
Enquiry Type: New Applicant Secured Credit Limit 2,246,000
Product Type: Self Unsecured Credit Limit 37,000
Applicant Type: Primary Exempted Credit Limit 0.00
Debt Management Programme Y
ID Theft Y

Personal Details

Surname: Tan
First Name: Peter
Second Name:
Fore Names:
Unformatted Name:

ID Type: NRIC
ID Number: S1234567D

Date of Birth: 01/01/1960

Gender: Male
Nationality: Singapore
Marital Status: Married
Address: 122, Sample Street Ave 8, 22-1555, Singapore, 552665

Additional Identification
Date Loaded ID Type ID Code

31/01/2017 Passport A524575

Additional Names
Date Loaded Name

10/03/2018 Peter Tan

25/07/2017 Peter Tan A.K.
01/01/2016 Tan A.K
30/11/2015 Tan Peter
28/07/2012 A.K. Tan Peter

Additional Addresses
Date Loaded Addresses
35B, Gardens Drive, Singapore, 556002
25/08/2018
30/07/2018 99, Tuas Link, 15-01, PFS Tower, Singapore, 855132
Account Status History
Product Grantor Account Date Overdue Last 12 cycles
Type Bank Type Open / Close Balance Cash Advance/
Bal. Transfer/
Full Payment

Unsecured Credit Card Bank A Single 22/03/2004 6500.00 WHHHHHHDCBA*

05/03/2016 NNNNNNNNNYY-
NNNNNNNNNNN-

HDB Loan Bank A Joint 10/10/2014 AAAAAABAAAAA

Executive Condominium Bank B Single 01/08/2018 A

Purchase

Unsecured Personal Loan Bank B Single 01/09/2010 CBAADDDDDCBA

Private Residential Bank C Single 30/11/2004 20000.00 RHDDDCBAACBA

Purchase 20/07/2018

Mortgage Restructured Bank C Single 20/07/2018 AA

Loan

Previous Enquiries
Date Grantor Enquiry Type Product Type Account Type
Bank

01/07/2018 Bank A New Application Executive Condominium Single

Purchase

25/05/2018 Bank A Review HDB Loan Joint

20/12/2017 Bank C Review Motor Vehicle Loan Single

Default Records
Product Client Date Loaded Original Amt Balance Status Status
at load Date Date

Unsecured Credit Card Bank A 05/03/2016 6500.00 6500.00 Sold Off 08/04/2016

For status on defaults which are related/ linked to bankruptcy, please refer to Bankruptcy Proceedings on the latest update.

DRS Records
DRS Case Number Status Commencement Completion Date Failure Date
Date

D 1111112011A In Progress 20/04/2016

Bankruptcy Proceedings
Bankruptcy data is match to the input of ID type and number.

Bankruptcy Number Order Date Petition Date Original Order Date Gazette Date

11111 01/03/2013
Bankruptcy order / In default of statutory demand.

11111 30/10/2016
Notice of discharge by certificate of the official assignee under section 1225(3) of the bankruptcy act.
Bureau Score

The Bureau Score is calculated from an algorithm based on information in your current available credit data and is a fluid number
which may change from time to time in tandem with changes in your credit information.

The Bureau Score or this Credit Report does not draw any conclusions or make credit decisions for financial institutions. The
Bureau Score is only one of various pieces of information used by financial institutions in their credit assessment process. The use
of the Bureau Score by a financial institution for credit assessment is entirely optional. Each financial institution has its own internal
credit score and risk profile for each applicant including the applicant’s financial and demographic information. Credit Bureau
(Singapore) Pte Ltd is not involved in any way in the credit decision process of the financial institution.

Example 1: Scored >>

Score. . . . . . . . . . . . . : 1908
Risk Grade . . . . . . . . . . : BB
Risk Grade Description . . . . : Score 1844 - 1910: Prob of Default between 0.27% to 0.67%
Probability of Default……: 0.28%

Score. . . . . . . . . . . . . : Not Applicable

Risk Grade . . . . . . . . . . : HZ
Risk Grade Description . . . . : Currently 90 + / write off with outstanding balance greater than or equals to $300
Probability of Default……: Not Applicable

For more details on the description of various risk grades, please refer to the “Credit Report Explanation” section below.

Explanation of Scorecard values

Score
The score ranges from 1000 to 2000, where, statistically, within the next 12 months, individuals scoring 1000 have the highest
probability of defaulting on a repayment, whereas those who score 2000 have the lowest chance of reaching a delinquency status.

Probability of Default
The probability of the consumer defaulting based on statistics and the population average, within the next 12 months.

Key Contributing Factors associated with this Rating

Too Many Enquiries Marginally Increases Risk
Credit Exposure Moderately Increases Risk

Factors affecting the Bureau Score

The Bureau Score may be affected by various combinations of key contributing factors such as frequent/recent enquiries for new
credit and presence of default or slow payment statuses. Possible ways to improve your Score is to reduce the number of
unnecessary new credit applications, as lenders will enquire a credit report on you and these will reflect in the previous enquiries
count. Paying your credit bills on a timely basis and avoiding any overdue and default payment behavior will also have a positive
impact to your Score.

The above are some of the common contributing factors but the Bureau Score makes use of all available data to formulate the final
result and it is not only dependent on any one of these.
Narratives
Date Loaded Type
01/03/2017 Debt Management Programme
As at 25/11/2016, Consumer is on the Debt Management Program with Credit Counselling Singapore

25/12/2017 General
Previous enquiry dated 20/12/2017 should be classified as New Application instead of Review.

30/09/2018 ID Theft
Bank A advised on 30/09/2018 that ID theft activities were identified and consumer’s identity has been compromised. A police
report G/20180921/210 was lodged by the consumer.

OTHER INFORMATION

Aggregated Outstanding Balances

Month Product Type Grantor Secured Unsecured Unsecured Exempted
Bank Balances Balances Balances balances

Interest Non-
Bearing Interest
September 2018 Unsecured Credit Card Bank A 0.00 6,500.00 Bearing
0.00 0.00

HDB Loan Bank A 157,000.00 0.00 0.00 0.00

Executive Condominium Bank B 1,700,250.00 0.00 0.00 0.00

Purchase
Unsecured Personal Loan Bank B 0.00 0.00 1500.00 0.00

Mortgage Restructured Loan Bank C 75,000.00 0.00 0.00 0.00

Total 1,932,250.00 6500.00 1500.00 0.00

Aggregated Outstanding Balances for Preceding 5 Months

August 2018 All All 1,938,850.00 5,000.00 2000.00 0.00

July 2018 All All 1,945,450.00 4,000.00 2000.00 0.00

June 2018 All All 1,952,050.00 3,000.00 3500.00 0.00

May 2018 All All 1,958,650.00 2,000.00 4000.00 0.00

April 2018 All All 1,965,250.00 1,000.00 4500.00 0.00

Aggregated Monthly Instalments

Product Type Grantor Account Property*** Non-Property Unsecured Exempted

Bank Type** Secured
Unsecured Credit Card
September 2018* Bank A Single 0.00 0.00 6500.00 0.00
HDB Loan
Bank A Joint 2800.00 0.00 0.00 0.00
Executive Condominium
Purchase
Bank B Single 2500.00 0.00 0.00 0.00
Unsecured Personal Loan
Bank B Single 0.00 0.00 1500.00 0.00
Mortgage Restructured Loan
Bank C Single 1300.00 0.00 0.00 0.00

Total 6600.00 0.00 8000.00 0.00

Aggregated Monthly Instalments for Preceding 5 Months

August 2018 All All - 6600.00 0.00 7000.00 0.00

July 2018 All All - 6600.00 0.00 6000.00 0.00

June 2018 All All - N/A N/A N/A N/A

May 2018 All All - N/A N/A N/A N/A

April 2018 All All - N/A N/A N/A N/A

*The Aggregated Monthly Instalment Amounts for the latest month only include amounts uploaded by members of Credit Bureau Singapore to date.
**Monthly Instalment Amounts for Joint Accounts are reported as a full instalment amount due for a facility and does not reflect individually shared
amounts for each joint borrower.
***The Aggregated Monthly Instalment Amounts reflected do not include the amount for Secured Bridging Loan with a tenure of six months or less.

Disclaimer & Indemnity

The information contained in this Report has been collated from and/or provided to Credit Bureau (Singapore) Pte Ltd by various third parties and does not
represent the opinion of Credit Bureau (Singapore) Pte Ltd in any way. No liability (in tort contract or otherwise howsoever) attaches to us with respect to the
collation or supplying of the information, the Bureau Score or any use made of it whether in relation to its accuracy or completeness or any other matter
whatsoever. The information is supplied on a confidential basis to you and not for the use of any other party save for any person on whose behalf you have
sought the information. We are entitled to indemnity from you against any claims or loss made or sustained by us in consequence of the provision of the
information sought to you.

END OF REPORT