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					                                                                                                                                                               tAPe here

                                                                               FreePost Authority Number 331, Auckland, New Zealand.
                                                                                                                                                                                                                                 Fly Buys Visa

                 New Zealand
                               Wellington 6140
                                                 PO Box 2579
                                                               Fly Buys Visa
                                                                                                                                                                                                  Balance transfer

                                                                                                                                       FOld here

                                                                                                                                                                                      tAPe here
                                                                                                                                                                                                           Want to shrink your

                                                                                                                                                                                                     credit or store card deBt?

                                                                                                                                                                                                                            BAlANce trANsFer

                                                                                                                                                                                                     For as long as it takes to pay off. Just use
                                                                                                                                                                                                          your Fly Buys Visa to enjoy this offer.

                                                                                                                                                   0800 653 433 |

                                                                                                                                                               tAPe here

2264 FLY Visa Balance Transfer Form_2cg.indd 1                                                                                                                                                                                               1/02/12 1:24 PM
      transfer your outstanding                                               Your details
                                                                                                                                                                           12 month period from the date of your balance transfer, and in any following
                                                                                                                                                                           12 month period thereafter until the transferred balance is paid in full.
                                                                                                                                                                        2. Any transferred balance must be a debit balance on another bank’s credit card or

      balance to your fly Buys Visa.                                         *Your Fly Buys Visa card number:                                                              an accepted store card and your Card must remain within 95% of its credit limit
                                                                                                                                                                           after the balance has been transferred.
                                                                                                                                                                        3. The balance to be transferred must be completed in dollars and cents, and the
                                                                                                                                                                           minimum balance transfer amount is $500.
                                                                             *Name as on your Fly Buys Visa:
          You’ll pay a low 4.95% p.a. interest on the balance                                                                                                           4. The balance transfer is subject to BNZ approval.
                                                                                                                                                                        5. BNZ reserve the right to refuse a balance transfer request.
          transferred – and not just for a limited time.
                                                                             *home telephone number:                       *Work telephone number:                      6. BNZ will only transfer the balance as shown on the form and accepts no
          You can continue to enjoy this incredible rate                                                                                                                   responsibility for transactions which are not included in the balance as shown on
                                                                                                                                                                           the form.
          until the balance is paid off, as long as your card                 (         )                                     (        )
                                                                                                                                                                        7. If additional transactions are debited to your existing credit card or store card over
          remains active. to keep it active simply use the                                                                                                                 and above the balance transfer amount you have specified, you will remain liable
          card to make a purchase and/or cash advance at                                                                                                                   to repay those additional debts to your other bank account and we may not be able
                                                                              details of the non BNZ card you want to transfer from                                        to action a request to close that other credit card account or store card.
          least once every 12 months.                                                                                                                                   8. Unless BNZ agrees otherwise, balances may only be transferred from
                                                                             *Your credit card number:                                                                     New Zealand issued Visa, MasterCard, American Express, Diners, GE CreditLine,
          It costs nothing to transfer your balance and                       (non BNZ issued credit cards only. An American Express card has only                         The Warehouse Financial Services Credit and Store Cards, Fisher & Paykel
                                                                              15 numbers):                                                                                 Finance issued Q Cards and Farmers Cards. Excludes Fly Buys Visa and other
          only takes a few minutes to apply. But do it soon,                                                                                                               BNZ issued cards.
          because the offer ends 11 April 2012.                                                                                                                         9. If a payment is due on the other bank’s credit card or charge account within
                                                                                                                                                                           the next 10 business days from the date you posted the application, please make
                                                                             *Name as on your credit/store card:                                                           the payment.
                                                                                                                                                                        10. BNZ accepts no liability for late payments or any other payments arising from
                                                                                                                                                                            closing of your bank’s credit card or store card and will not be liable for any
                                                                                                                                                                            overdue payment or interest incurred.
      Balance Transfer takes the current outstanding balance from            *Name of issuing bank/company:                                                             11. BNZ will charge interest on any balance transferred from the date your debit
                                                                                                                                                                            balance transfer is made until you repay the transferred amount in full.
      another bank* or certain Finance Company's credit or store card
                                                                                                                                                                        12. Balance transfers are not eligible for Fly Buys Points.
      and moves it to your existing Fly Buys Visa.
                                                                              close and transfer                                                                        13. Payments to other card issuers will normally be completed within ten business
                                                                                                                                                                            days from receipt of your request.
      how do I make a Balance transfer?                                      *the amount to transfer is                   $                              .              14. This request is not an application for an increase in credit limit.
      → You can transfer the outstanding balance from any                                                                 (Must be completed in dollars and             15. Your Credit Card terms and conditions set out how payments are applied to your
                                                                                                                                                                            outstanding balance and how they will be applied will be determined by us at our
        New Zealand issued VISA, American Express or MasterCard                                                           cents, and be a minimum of $500.)
                                                                                                                                                                            discretion. However, generally payments will be applied to your GlobalPlus/BNZ
                                                                                                                                                                            Credit Card as follows, which will result in balances subject to a lower interest
        (excluding Fly Buys Visa and other BNZ issued credit cards)           Note: Please ensure you have sufficient funds on your Fly Buys Visa                           rate being paid off first:
        as well as Diners Club, GE Creditline Cards, The Warehouse            to process this amount. Your Fly Buys Visa must remain within 95%
                                                                                                                                                                        (a) to any fees and interest, then to any transactions (including balance transfer
        Financial Services Credit and Store Cards, Fisher & Paykel            of its credit limit after the balance has been transferred. transfers                         balances and purchase balances) that have a lower interest rate than the standard
                                                                              are usually processed within 10 business days from receipt of request.                        annual debit interest rate (with the lowest rate transactions repaid first if there
        Finance issued Q Cards and Farmers Cards.                                                                                                                           is more than one interest rate applicable to transactions that is lower than the
                                                                                                                                                                            standard annual debit interest rate);
                                                                                    I'd also like to close the non BNZ credit/store card account,
      → There are no Fly Buys Points or interest free days on the                                                                                                       (b) to any Cash advances, then purchases processed prior to your current statement;
                                                                                    which has the closing balance above. (Please note: BNZ cannot
        balance transferred.                                                        guarantee the closure of this account).
                                                                                                                                                                        (c) to any Cash advances, then purchases on your current statement.

      → If you don’t have a Fly Buys Visa, you will need to complete                                                                                                       sign and send
                                                                              If you have more than one card balance you would like to transfer to
        an application. You can do this online at           your Fly Buys Visa simply photocopy this form, or call 0800 653 433                          I confirm that I have read, understand and agree to the conditions of
        or call 0800 653 433 for an application form.**                       to request an additional form.                                                               acceptance

                                                                             *Mandatory details.                                                                           Account owner's signature:
      To transfer your balance simply complete the form and
      freepost it back to us (balance transfers are subject to approval).
                                                                            conditions of Acceptance                                                                        date:                                           M      M      d       d   Y       Y
      *Excludes BNZ.                                                        1. To retain the Balance Transfer rate of 4.95% p.a. your account must be in
                                                                               compliance with your card's terms and conditions (in respect to Payments)                   Additional/Joint cardholder's
      **BNZ normal lending criteria and account fees apply.                    and you must be actively using the Fly Buys Visa credit card account you have               signature:
                                                                               transferred a balance to. BNZ reserves the right to increase the interest rate
                                                                               applying to the transferred balance on inactive accounts to the prevailing
                                                                               purchase interest rate on your credit card for the remaining life of the balance.            date:                                           M      M      d       d   Y       Y
                                                                               You will be deemed inactive if you have not made a purchase and/or cash advance in the

2264 FLY Visa Balance Transfer Form_2cg.indd 2                                                                                                                                                                                                            1/02/12 1:24 PM

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