DBS CL Telesales_Gen w Mac 4/4/11 5:41 PM Page 1

Please complete and you may choose to mail or FAX back with supporting documents to (+65)

DBS Cashline Application

1 Income document submission (Please tick

2-year
Annual Fee
Waiver

(For more details, please refer to the Mandatory Documents section).

Salary crediting into DBS/POSB Account**

-

Income documents are not required on the condition that your salary is
credited via Giro, to your Personal DBS/POSB Account and for
at least the last 3 consecutive months.
DBS/POSB Savings/Current Account

(Account Type: DBS (10 digits)/POSB (9 digits) Savings/Current Account)

** The Bank will review, and if necessary, adjust the current combined credit limit of all
unsecured accounts based on the latest salary crediting information provided.

CPF Online submission

My latest 12 months CPF Contribution History Statement submitted via
http://www.dbs.com/sg/personal/cpfsubmit/ with Singpass on _____________ (date)
(Your CPF documents submitted online are only available for up to 7 days
from the date of your submission).

6274 6824.

4 DBS Cashline Instalment Loan Application Form (Optional)

YES! I want to apply for Cashline Instalment Loan
For customers with annual
income of at least S$30,000

For customers with annual

income of < S$30,000

Loan Tenure
(months)

AIR^ (p.a.) Processing fee EIR* (p.a.) AIR^ (p.a.) Processing fee EIR* (p.a.)

12

8.8%

1%

17.62%

5.8%

1%

12.32%

24
36

8.8%
8.8%

1%
1%

16.95%
16.47%

5.8%
7.8%

1%
1%

11.66%
14.78%

48

8.8%

1%

16.07%

7.8%

1%

14.43%

60

7.8%

1%

14.13%

^ AIR: Applied Interest Rate.

* EIR: Effective Interest Rate is inclusive of 1% processing fee.

Please transfer the following loan amount from my DBS Cashline account:
S$

.00

(Min. S$500, subject to the approved credit limit on your Cashline account)

Please tick [ ]

To my DBS/POSB Savings Account (S)

Or DBS AutoSave/Current Account (C)

My Personal Details
Account No.

My preferred payment period (please tick [ ] one box)

12 months

MID: 100000023/100000033
MPS Plan: 10012

24 months

MID: 100000024/100000034
MPS Plan: 10024

36 months

MID: 100000025/100000035
MPS Plan: 10036

48 months

MID: 100000026/100000036
MPS Plan: 10048

60 months

MID: 100000027
MPS Plan: 10060

Should the amount you request exceed the available credit limit of your DBS Cashline
account as at the date of your application, we reserve the right to either transfer such
amount as we deem appropriate, or reject your application entirely.
By signing this form, I hereby request to participate in the DBS Cashline Instalment
Loan promotion and authorise DBS Bank Ltd to debit the processing fee and the
approved loan amount from my DBS Cashline account and credit the approved loan
amount to my designated account as specified on this form. I agree to abide and be
bound by the DBS Cashline Instalment Loan Terms & Conditions (Ref V2, 30 Mar 2011).
(Please provide at least one contact number.)

5 EXISTING POSB MULTI-TUDE (WITH S$500 CREDIT LIMIT) CARDHOLDERS

Yes! I agree to
terminate my existing POSB Multi-tude Card (with S$500 credit limit)
transfer any outstanding amount on my existing POSB Multi-tude Card (with S$500
credit limit) at point of application, excluding unposted transactions, to my new
Cashline Account
be issued with a POSB Multi-tude Card (without S$500 credit limit) upon approval
of this Cashline Application
Name to Appear on New POSB Multi-tude Card (without S$500 credit limit)
(19 characters incl. spacing)
Primary Account for new POSB Multi-tude Card (without S$500 credit limit)
Account Type: 010
021

DBS Savings Plus

DBS Autosave

011
020

POSB Passbook Savings

DBS Current

Account Number:
Note: (1) DBS Account is 10 digits and POSB Account is 9 digits
(2) We do not accept POSB Passcard Account/POSB Current Account/POSB SAVE
Account/DBS Cashline
(3) The mailing address for the new POSB Multi-tude (without S$500 credit limit)
card will follow the same address as your Primary Account

5 Declaration (Important: Please read before signing)

My Employment Details

Declaration (Important: Please read before signing)

I/WE HAVE READ AND UNDERSTOOD THE DECLARATION SET OVERLEAF (REF
V2,MAR 2011) FOR DBS CASHLINE, (REF V2,MAR 2011) FOR DBS CASHLINE
INSTALMENT LOAN AND (REF V2,MAR 2011) FOR POSB MULTI-TUDE CARD
(WITHOUT S$500 CREDIT LIMIT), I/WE AFFIRM THE SAID DECLARATION AND
AGREE TO ABIDE AND BE BOUND BY THE MATTERS STATED THEREIN.
I/WE CONFIRM THAT I/WE HAVE APPLIED FOR THE PRODUCT(S) AS EVIDENCED
BY MY/OUR SIGNATURE(S) IN THE RESPECTIVE BOXES BELOW.

Applicants Signature

(Please sign within the box)

Company Name:
Company Address (Please do not give P.O Box address):

Job Title:
Name:
NRIC/Passport No.:

Date:

Previous Company Name (Please update here if current employment is less than 12 months):

LG400 02
LG400 BP
LG534 00
CDM No.

Code : 09- LPL1TM31_ _ - T_ _ _ _ _ _

Code: 09- LPF1TM38_ _ - T_ _ _ _ _ _
Code: 09 - P1A0TM3100 - T _ _ _ _ _ _

100/410/T480

100/T411

705/350

REMARKS

CDM No.
REMARKS

CDM No.
REMARKS

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DBS Bank Ltd Co. Reg. No. 196800306E Apr 11

FOR BANK USE ONLY

DBS CL Telesales_Gen w Mac 4/4/11 5:41 PM Page 2

DECLARATION (REF V2, 30 MAR 2011)

I confirm that at the time of this application, I am not an undischarged bankrupt and no statutory demand or legal proceedings
has been served or commenced against me.
I hereby declare and warrant that the information given in this application and all documents submitted to you are complete,
true and accurate, and belong to you absolutely, and that I have not willfully withheld any material fact. If any of the
information given herein changes or becomes inaccurate in any way, I shall immediately notify you of any such change and/or
inaccuracy.
I hereby authorise and give you consent to conduct credit checks on me including but not limited to checks with any credit
bureau recognised as such by the regulatory authorities, and obtain, and verify, and/or to disclose or release any information
relating to me and/or any of my account(s) with you from or to any other party or source as you may from time to time deem
fit at your discretion without any liability or notice to me.
I hereby agree to abide and be bound by your DBS Cashline Terms and Conditions Governing Electronic Services, terms and
conditions of Funds Transfer as each of such terms and conditions may be modified, amended, supplemented, substituted
and/or replaced by you from time to time (collectively,the Terms), which govern the use and operation of the DBS Cashline
account (the Account) and DBS/POSB Card(s). Copies of the Terms are available from any branch of DBS and POSB, at
www.dbs.com/sg/personal or by calling the 24-hour hotline at 1800 111 1111.

A copy of the DBS Cashline Terms and Conditions will be sent to me if this application is approved. I understand that you
reserve the right to decline this application without giving any reason whatsoever.
I agree that any information provided by me in this form shall be owned by DBS. The information provided may be used
for the purposes of marketing or promoting any services or products conducted by DBS or as a joint promotion with any
other party.
If, for any reason whatsoever, the Account is closed (whether by me, you or otherwise) within the period of nine (9) months
from the date of the opening of the Account, I agree that you shall be entitled to claim from me full reimbursement of the
cost of any welcome gift which you may have given me upon approval of my application. I hereby authorise you to debit
the Account for the cost of such gift (as determined by you) prior to the closure of the Account.
I agree that the final assignment of the Credit Limit apportionment between the Card and/or unsecured loans facility where
applicable are solely at your discretion.
If this application is or is purported to be given or sent by me to you by facsimile transmission, you are hereby authorized
by me, but are not obliged to accept, rely upon and act in accordance with the faxed copy of the application without waiting
for the original application and without liability to me.

DBS CASHLINE INSTALMENT LOAN TERMS AND CONDITIONS (REF V2, 30 MAR 2011)
1. The application for Cashline Instalment Loan (IL) is subject to:
a. your Cashline account being in good standing; and
b. you not being in breach of the Cashline Terms & Conditions.
2. The loan amount requested by you in your IL application form (including interest charges and processing fee) together
with any existing IL granted to you shall not exceed the credit limit on your Cashline account which in turn shall not exceed
four times your monthly income or such other amount as stipulated by any regulatory authority or the credit limit set by
us (Credit Limit). In the event the Loan exceeds the Credit Limit, DBS shall in its absolute discretion be entitled to either
a. transfer such amount it deems appropriate; or
b. reject the application,
without liability to any party.
3. Subject to Clause 2, there is no limit on the number of IL that can be taken up for each Cashline account.
4. As a general guide, the loan amount requested shall not exceed 85% of available Credit Limit for loan tenures of 12 and
24 months; 70% of available Credit Limit for loan tenures of 36 and 48 months and 65% of available Credit Limit for
loan tenure of 60 months.
5. The loan amount disbursed to you will be the full approved amount.
6. Minimum monthly payment due will be the higher of
a. the amount equal to 2.5% of the Cashline outstanding balance specified in your Cashline statement; or
b. S$50.
7. The credit limit in relation to your Cashline account will be reduced by blocking out an amount equivalent to the entire
IL amount (in relation to this application) but will be progressively restored as each monthly instalment amount is paid
by you and received by DBS.
8. The processing fee is a one-time fee charged upon approval of the IL and is calculated based on 1% of the approved loan
amount. It will be debited from your Cashline account on your Cashline statement date.
9. The monthly instalment amount shall be debited from your Cashline account on your Cashline statement date. If such
day is not a business day, the debiting shall be effected on the preceding business day. Business day for these purposes
means any day from Monday to Friday, excluding public holidays.
10. Interest on IL will be calculated on a flat rate basis and shall be fixed for the entire duration of each IL.
11. Partial prepayment is not allowed. You may, at any time cancel any one or more of your IL by giving DBS 30 days notice
in writing unless otherwise agreed by DBS. Upon cancellation of the IL(s), all of the monthly instalments then outstanding
together with interest charged for each IL cancelled shall be directly charged to and debited from your Cashline account
or such other account as determined by DBS.

12. An early termination fee of S$150 will be levied for each IL if full repayment is made prior to the expiry of each ILs
respective loan tenures.
13. Repayment priority shall be as follows:
a. For customers with 0% Balance Transfer (BT) and IL, payments you make to your Cashline account shall be applied
first to settle balances based on whichever application is first processed by DBS;
b. For customers with BT, IL and such other loan facility under Cashline (Other Facilities), payments you make to your
Cashline account shall be applied first to settle balances for BT or IL depending on whichever application is first
processed by DBS, followed by the Other Facilities; and
c. For customers with Other Facilities, payments you make to your Cashline account shall be applied first to settle balances
starting with the lowest promotional interest rate.
14. If you have a IL and prior to the expiry of the loan:
a. your Cashline account is terminated by you or us for any reason; or
b. any amount becomes due and owing (whether in respect of principal, fees, charges or otherwise) in respect of your
Cashline account,
the remaining monthly instalments for the IL(s) shall immediately become due and payable and shall be debited from your
Cashline account accordingly without prior notice.
15. DBS has the absolute discretion to reject an IL application without giving any reason and to retain documents submitted
as its property.
16. A finance charge of 17.8% p.a. or 19% p.a. will be levied on the full monthly instalment amount (Instalment Amount)
if such Instalment Amount is not received by DBS on the payment due date. For the avoidance of doubt, the said finance
charge shall be levied on the Instalment Amount even though partial monthly instalment payment is made.
17. Notwithstanding Clause 15, if the minimum payment specified in any Cashline statement or such part of the Cashline
outstanding balance shown in such Cashline statement is not received by DBS on the payment due date, you shall also
be liable for a late payment charge at such rate as we may determine.
18. All matters relating to IL shall be determined by DBS in its sole and absolute discretion, and its decision shall be final and
binding on you.
19. The IL application is governed by these Terms & Conditions (Terms), which are to be read in conjunction with the
Cashline Terms and Conditions, the Terms and Conditions Governing Accounts and Balance Transfer Terms & Conditions
(where applicable). In the event of any inconsistency, these Terms shall prevail insofar as they apply to the IL and/or BT.
20. These Terms shall be governed by the laws of Singapore and you agree to submit to the non-exclusive jurisdiction of the
courts of Singapore. A person who is not a party to any agreement governed by these Terms shall have no right under
the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these Terms.

Mandatory Documents

Application Requirements for DBS Cashline

Nationality

Age

Minimum Gross
Annual Income

Singapore Citizen or
Permanent Resident

21 years & above

S$20,000 & above

Foreigner

21 years & above

S$45,000 & above

Please tick and submit a photocopy of the documents as applicable to you below:
For Salaried Employees
NRIC (front and back), AND either
OR
OR
Latest 12 months CPF Contribution History Statement+
**
Latest Notices of Assessment and Latest Computerised Payslip
Salary Crediting into DBS/POSB Account^^
For Variable Income Earners
NRIC (front and back), AND either
OR
OR
OR
Latest 12 months CPF Contribution History Statement+
Latest 1 year Notice of Assessment**
Latest 3 months Computerised Payslip
Salary Crediting into DBS/POSB Account^^

Note: Not applicable to existing DBS Cashline customers, POSB Loan Assist and Loan Assist Plus customers
are not eligible to apply for Cashline.
NOTE: The information above is intended as a quick consumer guide only. A detailed DBS Cashline
Agreement will be sent upon approval. These conditions are subject to change.

Important Information - DBS Cashline

Nationality

Singaporean OR
Permanent Resident

For Self-Employed/Fully Commissioned Earners

NRIC (front and back), AND Latest 2 years Notices of Assessment**

Foreigner

Gross Annual Income

S$20,000
below S$30,000

S$30,000 & above

S$45,000 & above

Credit Limit

Up to 2 times
monthly salary

Up to 4 times
monthly salary

Up to 2 times monthly salary

Effective interest rate

19% per annum

Foreigners*
Valid Passport and Employment pass^ (at least 3 months validity), AND either
latest Computerised Payslip (in Singapore Dollar Currency)
Company Letter certifying Employment and Salary (in Singapore Dollar Currency)
Latest Notices of Assessment**
Salary Crediting into DBS/POSB Account^^

(capped at S$15,000)

17.8% per annum

Minimum monthly repayment

2.5% of outstanding balance or S$50, whichever is higher

Minimum interest charge

S$5

Late payment charge

S$60

DBS Bank Ltd

Bedok Central Post Office
Locked Bag Service No. 1
Singapore 914686

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OR

OR

Please note that your CPF documents submitted online are only available for up to 7 days from the date of your submission.
Please provide a copy of your Company's letter stating the Renewal of your Employment Pass if the validity is less than 3
months from the date of application. The Company's letter has to be endorsed by the Company's Representative or HR.
^^ Income documents are not required on the condition that your salary is credited via Giro, to your Personal DBS/POSB
Account and for at least 3 consecutive months.
* Please update us immediately if you are granted Singapore Citizenship or Permanent Resident status by the Singapore
Government.
** You can now print your Income Tax Notice of Assessment at myTax Portal with your SingPass or IRAS PIN. The service is
free. Log on to https://mytax.iras.gov.sg for more details.
Please allow 2 weeks for processing. Applications not accompanied with required documents or with incomplete information
will cause a delay in processing.
+
^

BUSINESS REPLY SERVICE

PERMIT NO. 07040

Apr 11

OR

DBS CL Telesales_Gen w Mac 4/4/11 5:41 PM Page 3

POSB MULTI-TUDE CARD DECLARATION (REF V2, 30 MAR 2011)

I confirm that at the time of this application, I am not an undischarged bankrupt and no statutory demand or legal proceedings has been served on or commenced against me.
I hereby declare and warrant that the information given in this application and all documents submitted to you are complete, true and accurate and belong to you absolutely
and that I have not willfully withheld any material fact. If any of the information given herein changes or becomes inaccurate in any way, I shall immediately notify you of any
such change or inaccuracy.
I hereby authorise and give you consent to conduct credit checks on me (including but not limited to checks with any credit bureau recognised as such by the regulatory authorities)
and obtain and verify and/or to disclose or release any information relating to me and/or any of my account(s) from or to any other party or source as you may from time to
time deem fit at your own discretion for the purpose of this application and without any liability or notice to me/us.
I understand and agree that DBS may upload or make available credit data on me to credit bureaus which provide facilities for credit checks on me from time to time and I
acknowledge and further agree that credit bureaus or any other third party with whom information in any way relating to me is shared by DBS may in turn share such information
with their vendors, suppliers or agents pursuant to outsourcing arrangements or otherwise.
I hereby agree to abide and be bound by DBS Debit Card Agreement and Terms & Conditions Governing Electronics Services (collectively, the Terms) (as may be amended
from time to time), a copy of which will be sent with the Card if this application is approved. Copies of the Terms are available from any DBS/POSB branch, at www.dbs.com/sg
or by calling telephone number 1800 339 6666.
I request you to issue and continue to issue me/us with the above-mentioned Card until I terminate the Card in accordance with the Terms. I agree that the Card, a copy of the
Terms and a Personal Identification Number (PIN) will be sent to me, if this application is approved, to my Account billing address as per DBS record at my sole risk. I further
acknowledge that the PIN will be issued to me only if I specifically request for it and after I acknowledge [in writing] to DBS the receipt by me of the Card. In the event I activate
the Card at a DBS ATM, I agree that no PIN will be issued to me.
I understand that it is my responsibility to take necessary precautions to safeguard my Card and PIN.
I am aware that the Card may contain both debit and credit transaction facilities and the Card may be used for Point-of-Sale (PIN or Signature) or Card-Not-Present (Online, Mail,
or Telephone Order) transactions and I understand that the safekeeping of my Card is critical to prevent unauthorised transactions. I accept that the spending limits in respect
of such Point-of-Sale, Card-Not-Present or credit transactions via the use of the Card shall be in accordance with such limits as may be decided by DBS from time to time.
I understand that it is my duty to notify you if my Card is lost or stolen and I will not be liable for any transaction made after I report the loss.
Notwithstanding that my Primary Account may be operated by way of thumbprint and/or signature, by signing on this application, I authorise you to debit directly from my/our
Primary Account linked to the Card any payment or withdrawal for any debit transactions made via the Card.
If this application is or is purported to be given or sent by me to you by facsimile transmission, you are hereby authorised by me, but are not obliged to accept, rely upon and
act in accordance with the faxed copy of the application without waiting for the original application and without any liability to me.
I further authorize you to obtain and verify and/or to disclose or release any information relating to me/us and/or any of my account(s) from or to any other party or source as
you may from time to time deem fit at your own discretion for the purpose of this application and without any liability or notice to me/us, or as may be required by any applicable
law, court, regulatory or legal process.
I agree that you reserve the right to decline this application without giving any reason whatsoever and in the event this application is approved, I agree that if the application is
approved this declaration shall form part of the Terms.
Any references herein to you or DBS or DBS Bank shall mean DBS Bank Ltd.

IMPORTANT INFORMATION TO NOTE FOR POSB MULTI-TUDE (WITHOUT S$500 CREDIT LIMIT) CARD
Eligibility:

If you are at least 16 years old, you are eligible for Multi-tude by POSB without S$500 credit limit.

Please note:
i.

The Card and PIN (if any) will be sent to the mailing address of your Primary Account linked to your card as per the Banks record, at your sole risk. Please ensure that the mailing
address is updated.

ii. The default daily spending limit for PIN-based transaction (e.g. NETS, AXS) is S$2,000, subject to your bank balance, whichever is lower.
iv. The default daily ATM withdrawal limit is S$2,000. Please visit your nearest POSB/DBS branch if you wish to change the limit.
v. The default daily spending limit for signature-based, online, mail and telephone transaction for your Debit Card account is S$5,000, subject to your available bank balance,
whichever is lower.

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