"Debt Changer" For every 12-month tenor of Debt Consolidation Program drawn down, user will earn a Payment Holiday Coupon, with a maximum of 6 coupons.

· Upon application of a coupon, user can enjoy payment holiday for 1 instalment.Payment holiday is an interest-free period. During the payment holiday, user does not need to repay the principal and interest and the remaining outstanding loan amount will be deferred for 1 instalment.

· User can apply 1 coupon every 6 instalments during the loan tenor.

· If user’s ZA Bank account is not in valid and normal status, user has a history of overdue repayment for 60 days or more for any existing / historical loan held in ZA Bank or user has any overdue loans with ZA Bank or other financial institutions within 3 months, user cannot apply the coupon.

· For details, please refer to T&C