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The terms establish key definitions, including Annual Income, Designated Accounts, and the debt consolidation facility and loan account, plus references to approval letters and application documents. The agreement outlines how the loan amount is advanced, how consolidation takes effect on the designated date, and the creditor’s discretion to verify information and manage disbursement accounts.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/debt-consolidation-plan-terms-and-conditions-governing-debt-consolidation-facility/280103/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/debt-consolidation-plan-terms-and-conditions-governing-debt-consolidation-facility/280103.png","ImageObject",442,249,{"name":88,"@type":89},"Putri","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-23","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":47},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What documents control the agreement for the Debt Consolidation Plan?","Question",{"text":108,"@type":109},"The agreement is formed under the stated terms, the Debt Consolidation Plan Application form, and the Approval Letter. If there is a conflict, the Approval Letter prevails over the application form, which prevails over the terms and conditions.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What does “Debt Consolidation” mean under these terms?",{"text":113,"@type":109},"Debt Consolidation means consolidation of debt in the manner set out in clause 2.1. It takes effect on the Debt Consolidation Date stated in the Approval Letter or as otherwise notified.",{"name":115,"@type":106,"acceptedAnswer":116},"What discretion do participating financial institutions have before advancing funds?",{"text":117,"@type":109},"Participating financial institutions may verify information through appropriate means, including contacting relevant third parties, and obtain further information from suitable sources. They may also set up accounts for disbursement and create an accompanying revolving credit facility.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},280103,1790162199,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":47,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":8,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":79},962085571259,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","DEBT CONSOLIDATION PLAN  \nTerms and Conditions Governing Debt Consolidation Facility  \n1. Interpretation  \n1.1 Unless the context requires otherwise, the following expressions in these Terms and Conditions shall have the following respective meanings:-  \n“Agreement” means the agreement formed between you and us for Debt Consolidation under these terms and conditions, the terms and conditions in the Debt Consolidation Plan Application form and the Approval Letter. If there is a conflict, the terms in the Approval Letter shall prevail over the terms in the Debt Consolidation Plan Application form, which in turn shall prevail over these Terms and Conditions.  \n“Annual Income” means your total income for a particular year based on and/or as may reasonably be determined by us from the Income Documents you have submitted for that year.  \n“Approval Letter” means the letter from us approving your DCP Application, including any amended and additional terms.  \n“Debt Consolidation Plan Application” or “DCP Application” means your application for Debt Consolidation.  \n“Debt Consolidation” means the consolidation of debt in the manner as set out in clause 2.1.  \n“Debt Consolidation Date” means the date of commencement of the Debt Consolidation as stated in the Approval Letter or such other date as we may notify you.  \n“Debt Consolidation Facility” means the facility as set out in clause 3.  \n“Debt Consolidation Loan Account” has the meaning given to it in clause 2.2.  \n“Debt Consolidation Registry” or “DC Registry” means the registry maintained by the Association of Banks in Singapore for the maintenance of information relating to debt consolidation.  \n“Designated Accounts” means any and all unsecured credit facilities (including without limitation unsecured card or non-card credit facility) that you have with the Participating FIs and excludes joint accounts, any renovation loan, education loan, credit facility granted for businesses or business purposes and such other credit facility that is excluded under the MAS regulations relating to unsecured credit facilities to individuals.  \n“Event of Default” means any one of the events or circumstances specified in clause 6.1.  \n“Income Documents” means the documents evidencing your income as set out in the DCP Application.  \n“Loan Amount” means the amount of monies to be disbursed to you under clause 2.1 as stated in the Approval Letter.  \n“MAS” means Monetary Authority of Singapore, its successors and/or assignees.  \n“Monthly Income” means one-twelfth of the Annual Income.  \n“Participating FIs” means American Express International, Inc., Australia and New Zealand Banking Group Limited, Bank of China Limited Singapore, CIMB Bank Berhad, Citibank Singapore Limited,  \nDEBT CONSOLIDATION PLAN  \nTerms and Conditions Governing Debt Consolidation Facility  \nDBS Bank Ltd, Diners Club Singapore Pte Ltd, HSBC Bank (Singapore) Limited, Industrial and Commercial Bank of China Limited, Malayan Banking Berhad, Oversea-Chinese Banking Corporation Limited, RHB Bank Berhad, Standard Chartered Bank (Singapore) Limited, United Overseas Bank Limited and such other financial institution(s) which may be added and/or substituted from time to time and their successors and/or assignees.  \n“PDPA” means Personal Data Protection Act 2012.  \n“Personal Data” means data, whether true or not, about you or any individual (as the case may be) who can be identified from such data or from such data and other information to which we have or are likely to have access, including but not limited to information relating to your application for Debt Consolidation.  \n“Receiving Banks” means the Participating FIs that you have Designated Accounts with.  \n“Revolving Credit Facility” has the meaning given to it in clause 2.2.  \n“Terms and Conditions” means all the terms and conditions set out herein.  \n“Unsecured Credit Facility” means any unsecured credit facility whether unsecured card or noncard credit facility including joint account","cbCaij1LWFVMwdSe","https://ap.wps.com/l/cbCaij1LWFVMwdSe","pdf",113934,"English","# Terms and Conditions Governing Debt Consolidation Facility\n## Interpretation\n## Debt Consolidation\n## Verification and Account Setup","[{\"question\":\"What documents control the agreement for the Debt Consolidation Plan?\",\"answer\":\"The agreement is formed under the stated terms, the Debt Consolidation Plan Application form, and the Approval Letter. If there is a conflict, the Approval Letter prevails over the application form, which prevails over the terms and conditions.\"},{\"question\":\"What does “Debt Consolidation” mean under these terms?\",\"answer\":\"Debt Consolidation means consolidation of debt in the manner set out in clause 2.1. It takes effect on the Debt Consolidation Date stated in the Approval Letter or as otherwise notified.\"},{\"question\":\"What discretion do participating financial institutions have before advancing funds?\",\"answer\":\"Participating financial institutions may verify information through appropriate means, including contacting relevant third parties, and obtain further information from suitable sources. They may also set up accounts for disbursement and create an accompanying revolving credit facility.\"}]","DEBT CONSOLIDATION PLAN - Terms and Conditions Governing Debt Consolidation Facility | PDF",1789533482]