Enhanced Consumer Credit Report

Enquiry Details
Enquiry Number 997342649

Enquiry Date 08/08/2019

Reference 1RS7182695C_0808G38

Data Provided Summary

Name AGRAWAL MANISH DATTULAL Date of Earliest Known Credit Account 29/03/2000
ID Type NRIC Previous Enquiries 9
ID Number S7182695C Accounts 23
Date of Birth 29/05/1971 Defaults 0
Postal Code 520736 Bankruptcy Proceedings 0
Enquiry Type New Application Secured Credit Limit 0.00
Product Type Self Unsecured Credit Limit 123,100.00
Applicant Type Primary Exempted Credit Limit 0.00

Personal Details
Surname
First Name
Second Name
Forenames
Unformatted Name AGRAWAL MANISH

ID Type NRIC

ID Number S7182695C

Date of Birth 29/05/1971

Gender MALE

Nationality Singapore

Marital Status Married

Address 736 #14-22 TAMPINES STREET 72, SINGAPORE, 520736

Additional Names
Date Loaded Name

10/12/2014 DATTULAL,AGRAWAL MANISH DATTULAL

06/01/2014 DATTULAL AGRAWAL MANISH
28/02/2013 AGRAWAL,MANISH DATTULAL
01/06/2012 DATTULAL,AGRAWAL MANISH
12/10/2007 AGRAWAL MANISH DATTU
23/02/2006 AGRAWAL M DATTULAL
20/01/2006 MR AGRAWAL MANISH DATTULAL
30/11/2005 MANISH D AGRAWAL
07/11/2005 MANISH DATTULAL AGRAWAL
01/11/2002 AGRAWAL D MANISH
03/09/2002 AGRAWAL MANISH DATTULAL

Additional Addresses
Date Loaded Address

09/08/2018 BLK 736 TAMPINES STREET 72 #14-22, SINGAPORE, 520736

08/08/2018 736 TAMPINES ST 72 #14-22, SINGAPORE, 520736
05/08/2018 736, TAMPINES ST 72, #1422, SINGAPORE, 520736
Page 1 of 4
Account Status History
Last 12 cycles /
Cash Advance /
Date Opened / Balance Transfer
Product Type Grantor Bank Account Type Date Closed Overdue Balance Full Payment

Unsecured Overdraft DBS Single 18/07/2002 EGGAA*******

05/12/2018
Unsecured Credit Card DBS Single 17/11/2003 EAAA********
08/03/2018 NNNN--------
YNYY--------
Unsecured Credit Card DBS Single 16/05/2005 **A********A
--N--------N
--Y--------Y
Unsecured Credit Card DBS Single 15/11/2005 E*****A*****
16/09/2017 N-----N-----
Y-----Y-----
Unsecured Credit Card DBS Single 07/12/2005 E**********A
07/12/2016 N----------N
Y----------Y
Unsecured Credit Card UOB Single 15/09/2006 *******AA***
-------NN---
-------NY---
Unsecured Overdraft OCBC Single 08/09/2011 ************
Unsecured Credit Card OCBC Single 08/09/2011 EA**********
10/01/2018 NN----------
YY----------
Unsecured Credit Card HSBC SINGAPORE LTD Single 23/04/2012 AAA*********
NNN---------
NYY---------
Unsecured Credit Card CITIBANK Single 30/11/2005 *****AAAA***
-----NNNN---
-----YYYY---
Unsecured Credit Card UOB Single 30/09/2013 EG**********
03/02/2018 NN----------
YY----------
Unsecured Credit Card HSBC SINGAPORE LTD Single 12/12/2013 EHHHCBCBAAAA
09/06/2017 NYYYYYYYYYNY
YNNNNNNNNNNN
Unsecured Credit Card CIMB Single 28/12/2014 ************
------------
------------
Unsecured Credit Card CIMB Single 28/12/2014 ************
------------
------------
Unsecured Credit Card OCBC Single 06/01/2016 ************
------------
------------
Unsecured Credit Card UOB Single 24/03/2016 EAAAAAAMM
03/12/2016 NNNNNNNMM
YYNNNNNMM
Unsecured Credit Card UOB Single 10/06/2016 EAAAAAAMMM
04/04/2017 NNNNNNNMMM
YYNNNNNMMM
Unsecured Credit Card UOB Single 26/09/2016 EAAAAAAMM
03/06/2017 NNNNNNNMM
YYNNNNNMM
Unsecured Credit Card DBS Single 05/01/2017 *****AAA****
-----NNN----
-----YYY----
Unsecured Credit Card UOB Single 19/08/2017 E*MM
04/12/2017 N-MM
Y-MM
Unsecured Credit Card DBS Single 22/10/2017 AAAAAAAAAAAA
NNNNNNNNNNNN
YYYYYYYYYYYY
Unsecured Credit Card DBS Single 22/10/2017 EA****A*****
06/05/2019 NN----N-----
Page 2 of 4
Account Status History
Last 12 cycles /
Cash Advance /
Date Opened / Balance Transfer
Product Type Grantor Bank Account Type Date Closed Overdue Balance Full Payment
YY----Y-----
Unsecured Credit Card UOB Single 21/11/2017 *******A****
-------N----
-------Y----

Previous Enquiries
Date Name of Bank Enquiry Type Product Type Account Type

07/08/2019 SCB New Application Unsecured Credit Card Single

17/05/2019 UOB Review Unsecured Credit Card Single
23/02/2019 DBS Review Unsecured Credit Card Single
20/02/2019 UOB Review Unsecured Credit Card Single
21/05/2018 DBS Review Unsecured Credit Card Single
15/03/2018 DBS Review Unsecured Credit Card Single
06/12/2017 HSBC SINGAPORE LTD Review Unsecured Credit Card Single
27/11/2017 DBS Review Unsecured Credit Card Single
08/08/2017 HSBC SINGAPORE LTD Review Unsecured Credit Card Single

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.

Score 1955
Risk Grade AA
Risk Grade Description Score 1911 - 2000: Prob of Default <= 0.27%
Probability of Default 0.15%

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
Delinquency Presence Greatly 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.

Adverse
No adverse information could be found on the subject.
Page 3 of 4
Other Information

Aggregated Outstanding Balances

Unsecured
Unsecured Balances Exempted
Balances Non-Interest Unsecured
Month Product Type Grantor Bank Secured Balances Interest Bearing Bearing Balances
June 2019 Unsecured CC HSBC SINGAPORE LTD 0.00 254.76 0.00 0.00
Unsecured Overdraft OCBC 0.00 0.00 0.00 0.00
Unsecured CC OCBC 0.00 0.00 0.00 0.00
Unsecured CC DBS 0.00 0.00 5,137.53 0.00
Unsecured CC CITIBANK 0.00 0.00 0.00 0.00
Unsecured CC CIMB 0.00 0.00 0.00 0.00
Unsecured CC UOB 0.00 0.00 0.00 0.00

Total 0.00 254.76 5,137.53 0.00

Aggregated Outstanding Balances for Preceding 5 Months

May 2019 All All 0.00 0.00 2,389.67 0.00

April 2019 All All 0.00 0.00 6,141.64 0.00
March 2019 All All 0.00 0.00 1,348.24 0.00
February 2019 All All 0.00 0.00 1,396.46 0.00
January 2019 All All 0.00 0.00 1,077.15 0.00

Aggregated Monthly Instalment

Exempted
Month Product Type Grantor Bank Account Type** Property*** Non-Property Unsecured Unsecured
June 2019* Unsecured CC HSBC Single 0.00 0.00 100.00 0.00
SINGAPORE LTD
Unsecured OCBC Single 0.00 0.00 .00 0.00
Overdraft
Unsecured CC OCBC Single 0.00 0.00 .00 0.00
Unsecured CC DBS Single 0.00 0.00 154.13 0.00
Unsecured CC CITIBANK Single 0.00 0.00 .00 0.00
Unsecured CC CIMB Single 0.00 0.00 .00 0.00
Unsecured CC UOB Single 0.00 0.00 .00 0.00

Total 0.00 0.00 254.13 0.00

Aggregated Monthly Instalments for Preceding 5 Months

May 2019 All All All 0.00 0.00 157.25 0.00

April 2019 All All All 0.00 0.00 184.25 0.00
March 2019 All All All 0.00 0.00 50.00 0.00
February 2019 All All All 0.00 0.00 52.99 0.00
January 2019 All All All 0.00 0.00 100.00 0.00
* 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 *****************

Page 4 of 4
CREDIT REPORT EXPLANATION
DATA PROVIDED
Shows the required input from individuals as well as lenders which are members of CBS, such as financial institutions when obtaining a report. This information is required
for the matching of data held in CBS as well as to track all access to the report.

Information in the credit report is sourced from the following financial institutions :
American Express International Oversea-Chinese Banking Corporation Limited
Bank Negara Indonesia RHB Bank Berhad
Bank of China Standard Chartered Bank
CIMB Bank Berhad Sing Investments and Finance Limited
Citibank Singapore Limited Singapura Finance Limited
Development Bank of Singapore United Overseas Bank
Diners Club Singapore Pte Ltd Bank of East Asia
Hong Leong Finance Industrial and Commercial Bank of China Limited
Hongkong and Shanghai Banking Corporation State Bank of India
Maybank Singapore Limited

SUMMARY
Displays a quick summary of the report by indicating how many previous enquiries have been made as well as how many account status(inclusive of closed accounts),
payment default and bankruptcy information have been loaded on the individual.

A credit limit is the maximum amount of credit that a financial institution will extend to the individual for a particular line of credit. The individual’s total credit limit (categorized
under secured, unsecured and exempted credit limit) will also be displayed. Where more than one credit card is issued by a financial institution to a borrower, some financial
institutions may subject the credit cards to a shared common credit limit (e.g. a single credit limit of $10,000 shared over 4 credit cards) and will report the shared limit to
the credit bureau accordingly. For term loans, the credit limit of a term loan that has yet to be disbursed is generally taken to be the full loan amount. After disbursement,
the credit limit will start to reduce in accordance to the outstanding balances remaining monthly as repayment occurs.

A debt management flag is available to indicate if individual is under a debt management program with Credit Counselling Singapore.

An Identity theft flag is also available to indicate if individual’s identity has been compromised.

PERSONAL DETAILS / ADDITIONAL IDENTIFICATION

Basic personal details and additional identification details are used for verification of information from the applicant. The display of the last 3 full address details (where
available) are provided by the Members of Credit Bureau Singapore and/or Consumers’ input when obtaining their own credit report. The full address details are only
available in the Consumer’s Credit Report (not displayed to the Financial Institutions except for Postal Codes).

ACCOUNT STATUS HISTORY

This information is displayed on a rolling 12 months basis (with the most current cycle on the left) while closed accounts will have the last 12 months payment status history
as at the date of closure displayed for 3 years.

For Overdue Balance, the value loaded may include balances that are a variable number of days overdue. If minimum amount is not paid before the due date, overdue
balance will be shown in the credit report. Please note that only values of $200.00 or more will be displayed.

First Row in account status Promptness of monthly cycle payments compared to the respective due dates. The status of the account is indicated
history section of credit report by symbols: A,B,C,D,E,F,*,G,H,R,S,W,M
A Payments were current to 29 days past due
B 30-59 days overdue
C 60-89 days overdue
D 90 days or more past due
E Closed with no outstanding status
F Closed with outstanding status
* Facility not used or zero balance
G Voluntary closure with outstanding / surrender of security with outstanding balance
H Involuntary closure with outstanding / surrender of security with outstanding balance
R Closed, restructured loan
S Closed, negotiated settlement prior to charge off
W Coded as default record by Member
M Account status not available for the particular month

Second Row in account status Cash advance status / Balance transfer indicator (Only applicable to Credit Card facilities)
history section of credit report
Y = Yes Indicates that there is cash advance /balance transfer activity or balance
N = No Indicates that there is no cash advance /balance transfer activity or balance
- Data on cash advance /balance transfer are not available as the credit facility is not in use

Third Row in account status Full Payment status (Only applicable to Credit Card facilities)
history section of credit report
Y = Yes Indicates that full payment has been made for that month
N = No Indicates that full payment was not made for that month
- Data on full payment is not available as the credit facility was not in use
PREVIOUS ENQUIRIES
Contains a record of all enquiries made on the individual’s report. This information will be retained in the report for 2 years from the date of enquiry.

DEFAULT RECORDS
Records of payment default as reported by lenders which are members of CBS. Default records with the status of Negotiated Settlement or Full Settlement will be displayed
for 3 years from status date. For default records with the status of Outstanding, Partial Payment and Sold Off, the records will be displayed indefinitely on the report. The
definition of Negotiated Settlement, Full Settlement, Outstanding, Partial Payment and Sold Off statuses are subjected to individual financial institutions’ classification.

BANKRUPTCY PROCEEDINGS
Displays bankruptcy records sourced from IPTO. This information will be retained in the credit report for 5 years from the date of discharge from bankruptcy. This is
consistent with IPTO’s data retention period.

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. This information is provided by and collated from various sources.

The Bureau Score can range from 1000 – 2000 for risk grades AA – HH. The score is not applicable if the risk grade is, HX, HZ, GX, BX or CX, as explained in the table
below. Score and non-scored risk grades are shown in the table below.

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.

The Bureau Score is meant for use by Members of Credit Bureau (Singapore) Pte Ltd as one of the many factors considered for the purpose of assessing the credit
worthiness of their customers and would not be recommended for any other purposes including, but not limited to, employment checks, employee assessments and
monitoring.

• Scored Risk Grades

• Non-scored Risk Grades

Grade Definition
HX Public Record (with or without inquiry / with or without trade)
This means there could be a past and/or existing writ of summons+/bankruptcy record filed against you.
HZ Currently 90 + / write off with outstanding balance greater than or equals to $300
A HZ risk grade is accorded when you have outstanding balances >=$300 and have accounts loaded in any of the following status.
D: 90 or more days past due
F: closed with outstanding balance
H: involuntary closure with outstanding /surrender of security with outstanding balance
R: closed, restructured loan
S: closed, negotiated settlement prior to charge off
W: closed as default record by Member
GX Inquiry record only (no Public Records / No Trades)
This means there is only self-enquiries and/or enquiries made by banks when there is no credit file.
BX Only inactive trade, “Other”, Bridging Loan, or Margin Trading account present
This means either all your accounts are closed (with or without balance) or you only have bridging loan or margin trading account or accounts that are
loaded as ‘Others’ by your lender.
CX Insufficient Credit Activity
This means there is ‘very limited’ information such as Credit Applications and/or Accounts Status History as such, unable to derive a Score.
+ Please note writ of summons will be displayed for 3 years for writs with concluded status.

For Non-Scored Risk Grades, score will be indicated as not applicable in the credit report.

• Key Contributing Factors to Your Credit Score

Key Contributing Factor Description
Immature Credit History Immature credit history will generally contribute to the credit risk uncertainty
Credit Exposure The level of credit exposure will generally contribute to higher credit risk
Delinquency Presence The presence of the delinquency is generally indicative of higher credit risk
Not Enough Clean History Lack of clean credit history will generally contribute to higher credit risk
Adverse Credit History Adverse credit history is generally indicative of the higher credit risk
Too Many Enquiries The frequency and recency of credit applications may impact the credit risk assessment
NARRATIVE
Provides any comments that members, individuals or third parties may have on the report’s contents.

OTHER INFORMATION
AGGREGATED OUTSTANDING BALANCES
Outstanding balances are generally computed based on the amounts outstanding under borrowers’ credit cards and credit facilities, including any fees and interest accrued
thereon. Breakdown of aggregated outstanding balances by product type can be found below.

Product Group Classification of Outstanding Balances

Secured Unsecured Exempted / Excluded (Unsecured )

- Commercial Real Estate

- Debt Consolidation Loan
- Executive Condominium Equity Withdrawal
- Other-Unsecured
- Executive Condominium Purchase - Medical Loan
- Repayment Assistance Scheme
- HDB Loan - Renovation Loan
- Unsecured Credit Card
- Margin Trading - Study / Education Loan
- Unsecured Overdraft
- Motor Vehicle Loan - (Unsecured) Staff Benefit Loans
• - Unsecured Personal Loan
- Other- Secured (Includes Secured Staff Loans)
- Unsecured Restructured Loan
- Private Residential Equity Withdrawal
- Unsecured Bridging Loan
- Private Residential Purchase
- Restructured Mortgage Loan
- Secured Bridging Loan
- Secured Overdraft
- Secured Personal Loan
- Secured Restructured Loan

Secured Outstanding Balances Exempted/ Excluded (Unsecured) Outstanding Balances

Unsecured Interest Bearing Outstanding Balances Unsecured Non-Interest Bearing Outstanding Balances

Outstanding Balances and Credit Limits of Secured facilities (fully secured by Cash Deposits and/or Fixed Deposits) are not reported to CBS.

Reported credit card outstanding balances are generally based on balances reflected in customers’ statements, rather than month-end balances.

Interest-bearing unsecured balances refer to balances that are subject to interest charges. For example, credit card balances that are not fully repaid by the payment due
date are usually charged interest. Non-interest-bearing unsecured balances are amounts that are not subject to interest. For example, credit card balances that are fully
repaid by their due dates are usually not charged interest.

For Instalment Payment Plan, the full loan amount charged at the point of purchase with the merchant would be included as part of the outstanding balances. The
outstanding balances will be reported every month on a reducing balance when the instalment amount has been paid according to the terms as agreed with the lender.

For personal loans on instalment plans, the full loan amount outstanding, including principal amounts not yet billed, would be included in outstanding balances.

Financial institutions do not have a breakdown of the outstanding balances by Product Types and Grantor Bank and only have an aggregated total balances.
Outstanding balances shown in CBS report do not alter customer’s repayment obligations and borrowers remain subject to the terms and conditions that have been agreed
with their lenders.

AGGREGATED OUTSTANDING BALANCES

Example: Breakdown of aggregated outstanding balances by bank and accounts

Month Product Type Grantor Bank Secured Unsecured Unsecured Exempted
Balances Balances Balances Unsecured
Balances
Interest Bearing Non-Interest
Bearing
September 2018 Unsecured Credit Card Bank A .00 6,500.00 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
Unsecured Personal Bank B 0.00 .00 1500.00 0.00
Mortgage Restructured Loan Bank C 75,000.00 .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
The Monthly Instalments will include the granular amounts for each facility provided by the Financial Institution/s for the previous month and aggregated amounts for the
preceding 5 months.

The reported Monthly Instalment amounts will only be shown in granular Product Type breakdown (as illustrated) for the most recent reported past month’s (N) data from
the Financial Institution/s; where the retrieval of this CBS report is done after the 15th of each month. If this CBS report is retrieved on/ before the 15th of each month, the
most recent month displayed will be reflected as (N-1) data respectively.

ILLUSTRATION
For example: If consumer obtains the personal credit report on/ before 15th August 2018, the reported Monthly Instalment amounts would be displayed up till the month of
June 2018.
For example: If consumer obtains the personal credit report after 15th August 2018, the reported Monthly Instalment amounts would be displayed up till the month of July
2018.

Monthly Instalment amounts for Joint Accounts are reported as a full instalment amount due for a facility and does not reflect individually pro-rated/ shared amounts for
each joint borrower.

The Aggregated Monthly Instalment amounts reflected does not include the amount for Secured Bridging Loan; with a tenure of six months or less.

Financial Institutions do not have a breakdown of the Monthly Instalments by Product Types and Grantor Bank and only have aggregated total amounts. The Monthly
Instalment Amounts shown in CBS report do not alter borrower’s repayment obligations and borrowers remain subjected to the terms and conditions that have been agreed
with their lenders.

Example: Breakdown of Monthly Instalments by bank and accounts

Month Product Type Grantor Bank Account Property** Non-Property Unsecured Exempted
Type Secured Balances

September Unsecured Credit Card Bank A Single .00 0.00 6500.00 0.00
2018
HDB Loan Bank A Joint 2800.00 0.00 0.00 0.00
Executive Condominium Bank B Single 2500.00 0.00 0.00 0.00
Unsecured Personal Bank B Single .00 0.00 1500.00 0.00
Mortgage Restructured Bank C Single 1300.00 0.00 0.00 0.00
Loan
Total 6600.00 0.00 8000.00 0.00
Aggregated Monthly Instalments for Preceding 5 months
August 2018 All All - 6,600.00 0.00 7000.00 0.00
July 2018 All All - 6,600.00 0.00 6000.00 0.00
June 2018 All All - NA NA NA NA
May 2018 All All - NA NA NA NA
April 2018 All All - NA NA NA NA

HOW TO CONTACT US
If you have any queries on your report, you may contact our Hotline 6565 6363, fax your enquiry to 6538 4326 or email to: [email protected] to
seek clarification.