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The agreement clarifies how terms are interpreted, how loan amount disbursement and debt consolidation take effect on the stated debt consolidation date, and the scope of participating institutions and designated accounts. It also explains verification of information, creation of a debt consolidation loan account and bundled revolving credit facility, and key definitions such as annual income, income documents, events of default, and relevant data protection concepts.",{"@graph":63,"@context":119},[64,80,102],{"@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":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/debt-consolidation-plan-terms-and-conditions-governing-debt-consolidation-facility/280104/",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/280104.png","ImageObject",442,249,{"name":88,"@type":89},"Dozel","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-27","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",7,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What determines the priority if terms conflict between documents?","Question",{"text":109,"@type":110},"If there is a conflict, the terms in the Approval Letter prevail over the terms in the Debt Consolidation Plan Application form, which in turn prevail over these Terms and Conditions.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"When does the debt consolidation take effect?",{"text":114,"@type":110},"The debt consolidation takes effect on the Debt Consolidation Date stated in the Approval Letter (or another date notified to you).",{"name":116,"@type":107,"acceptedAnswer":117},"What actions can the participating financial institution take without notice?",{"text":118,"@type":110},"The institution may verify information (including contacting third parties), set up accounts for disbursement, bundle a revolving credit facility, disburse the loan amount to designated accounts, and suspend or terminate designated accounts as it deems fit.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},280104,1790470793,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":141,"read_time":142},962085662650,"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. “ 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, DBS 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 accounts but excludes any renovation loan, education loan, credit facility granted for business","cbCaifAn2nzHO2Th","https://ap.wps.com/l/cbCaifAn2nzHO2Th","pdf",265735,22,"English","# 1. Interpretation\n## 1.1. Defined terms and priority rules\n## 1.2. Singular/plural construction\n## 1.3. Statutory references\n## 1.4. References to agreements and documents\n## 1.5. Meaning of you/us/we\n# 2. Debt Consolidation\n## 2.1. Loan advancement and effective date\n## 2.2. Discretionary actions (verification, accounts, disbursement, suspension/termination)","[{\"question\":\"What determines the priority if terms conflict between documents?\",\"answer\":\"If there is a conflict, the terms in the Approval Letter prevail over the terms in the Debt Consolidation Plan Application form, which in turn prevail over these Terms and Conditions.\"},{\"question\":\"When does the debt consolidation take effect?\",\"answer\":\"The debt consolidation takes effect on the Debt Consolidation Date stated in the Approval Letter (or another date notified to you).\"},{\"question\":\"What actions can the participating financial institution take without notice?\",\"answer\":\"The institution may verify information (including contacting third parties), set up accounts for disbursement, bundle a revolving credit facility, disburse the loan amount to designated accounts, and suspend or terminate designated accounts as it deems fit.\"}]","Debt Consolidation Plan - Terms and Conditions Governing Debt Consolidation Facility | PDF",1789533483,8]