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The agreement framework determines priority between the approval letter, the plan application form, and the governing terms. It covers concepts such as annual and monthly income, designated unsecured credit facilities, debt consolidation dates, loan amount disbursement, participating financial institutions, and events of default. It also addresses interpretation rules, data protection references, and the legal effect of consolidation.",{"@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":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/280107/",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/280107.png","ImageObject",442,249,{"name":88,"@type":89},"Berry Peter","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-30","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 happens if there is a conflict between the approval letter and the application form?","Question",{"text":109,"@type":110},"The approval letter terms prevail over the plan application form terms, which in turn prevail over the governing terms and conditions.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"How are Annual Income and Monthly Income defined?",{"text":114,"@type":110},"Annual Income is total income for a year based on information you provide, as reasonably determined from Income Documents. Monthly Income is one-twelfth of Annual Income.",{"name":116,"@type":107,"acceptedAnswer":117},"What is required when you apply for the plan?",{"text":118,"@type":110},"By applying, you agree to suspend or cancel other credit facilities, including GIRO arrangements and relevant credit card or personal loan accounts held with other participating financial institutions.","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},280107,1790559032,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":35,"category_name":36,"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":101,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":76},1374402524268,"https://ap-avatar.wpscdn.com/davatar_3d24733baf745e90a7e4bdd5f77d97b2","| DEBT CONSOLIDATION PLAN\u003Cbr>Terms and Conditions Governing Debt Consolidation Facility |\n| --- |\n| 1. Interpretation\u003Cbr>1.1 Unless the context requires otherwise, the following expressions in these Terms and Conditions shall have the following respective meanings:-\u003Cbr>“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 Lettershall prevail over the terms in the Debt Consolidation Plan Application form, which in turn shall prevail over these Terms and Conditions.\u003Cbr>“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.\u003Cbr>“Approval Letter” means the letter from us approving your DCP Application, including any amended and additional terms.\u003Cbr>“Debt Consolidation Plan Application” or “DCP Application” means your application for Debt Consolidation.\u003Cbr>“Debt Consolidation” means the consolidation of debt in the manner as set out in clause 2.1.\u003Cbr>“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.\u003Cbr>“Debt Consolidation Facility” means the facility as set out in clause 3.\u003Cbr>“Debt Consolidation Loan Account” has the meaning given to it in clause 2.2.\u003Cbr>“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.\u003Cbr>“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 designated by you in your DCP Application, 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.\u003Cbr>“Event of Default” means any one of the events or circumstances specified in clause 6.1.\u003Cbr>“Income Documents” means the documents evidencing your income as set out in the DCP Application.\u003Cbr>“Loan Amount” means the amount of monies to be disbursed to you under clause 2.2 as stated in the Approval Letter.\u003Cbr>“MAS” means Monetary Authority of Singapore, its successors and/or assignees.\u003Cbr>“Monthly Income” means one-twelfth of the Annual Income.\u003Cbr>“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.\u003Cbr>“PDPA” means Personal Data Protection Act 2012.\u003Cbr>“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.\u003Cbr>“Receiving Banks” means the Participating FIs that you have Designated Accounts with.\u003Cbr>“Revolving Credit Facility” has the meaning given to it in clause 2.3.\u003Cbr>“Terms and Conditions” means all the terms and conditions set out herein.\u003Cbr>“Unsecured Credit Facility” means any unsecured credit facility whether unsecured card or non-card credit facility including joint accounts but excl","cbCaik999Q99YF2E","https://ap.wps.com/l/cbCaik999Q99YF2E","pdf",125670,"English","# Interpretation\n## Definitions and governing priority\n## Interpretation rules\n# Debt Consolidation\n## Application and suspension/cancellation of other facilities","[{\"question\":\"What happens if there is a conflict between the approval letter and the application form?\",\"answer\":\"The approval letter terms prevail over the plan application form terms, which in turn prevail over the governing terms and conditions.\"},{\"question\":\"How are Annual Income and Monthly Income defined?\",\"answer\":\"Annual Income is total income for a year based on information you provide, as reasonably determined from Income Documents. Monthly Income is one-twelfth of Annual Income.\"},{\"question\":\"What is required when you apply for the plan?\",\"answer\":\"By applying, you agree to suspend or cancel other credit facilities, including GIRO arrangements and relevant credit card or personal loan accounts held with other participating financial institutions.\"}]","DEBT CONSOLIDATION PLAN - Terms and Conditions Governing Debt Consolidation Facility | PDF",1789533492]