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                              FreePost Authority Number 331, Auckland, New Zealand.
                                                                                                                                                                                                 Want to shrink your credit card debt?
                                                                                                                                                                                                 We have a small suggestion.


                                                                                                                                                                                                                                %
                                                                                                                                                                                                                                p.a.
                                                                                                                                                                                                                                BaLaNCE
                                                                                                                                                                                                                                TRaNSFER

                                                                                                                                                                                                 For as long as it takes to pay off.
                                                                                                                                                                                                 Just use the card to enjoy this offer.
            New Zealand
            Wellington 6140
            PO Box 2579
            BNZ
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                                                                                                                                                                                                      Otender
                                                                                                                                                                                                      ex
                                                                                                                                                                                                         ffed tO
                                                                                                                                                                                                       21 April
                                                                                                                                                                                                         2011
                                                                                      To retain the Balance Transfer rate of 4.99% p.a. your account must be in compliance with your card's
                                                                                      terms and conditions (in respect to Payments) and you must be actively using the BNZ credit card
                                                                                      account you have 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. You will be deemed inactive if you have not made a purchase
                                                                                      and/or cash advance in the 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. Special balance
                                                                                      transfer rate not available for personal loans. Rewards are not earned on the transferred balance and
                                                                                      there are no interest free days. Balance transfers are subject to approval and terms and conditions        Balance transfer
                                                                                      apply. Eligibility for special rate limited to balances from non-BNZ New Zealand issued Visa,
                                                                                      MasterCard, American Express, Diners, GE CreditLine, The Warehouse Financial Services Credit and           application form
                                                                                      Store Cards, Fisher & Paykel Finance issued Q cards and Farmers Cards. Generally payments are
                                                                                      applied to lower interest rate transactions first.


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That’s right. You could save money and pay             Your details                                                                 Conditions of Acceptance
off your debt faster, simply by transferring          * Write your BNZ Credit Card number here:
                                                                                                                                    1. to retain the Balance transfer rate of 4.99% p.a. your account must be in
                                                                                                                                       compliance with your card's terms and conditions (in respect to payments)
                                                       (an american express card has only 15 numbers)
your credit or store card balance from another                                                                                         and you must be actively using the BNZ credit card account you have 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
bank or finance company to a BNZ credit card,                                                                                          on your credit card for the remaining life of the balance. You will be deemed inactive
                                                                                                                                       if you have not made a purchase and/or cash advance in the 12 month period from
including our GlobalPlus credit cards.                * Name as on your BNZ Credit Card:                                               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,
You’ll pay a low 4.99% p.a. interest on the                                                                                            an accepted store card or an accepted finance company card and your card must
                                                                                                                                       remain within 95% of its credit limit after the balance has been transferred.
                                                      * home telephone number:                    * Work telephone number:
balance transferred – and not just for a limited                                                                                    3. Minimum balance transfer amount is $500.
                                                         (      )                                       (       )                   4. the balance transfer is subject to BNZ approval.
time. You can continue to enjoy this incredible                                                                                     5. BNZ reserve the right to refuse a balance transfer request.
                                                                                                                                    6. BNZ will only transfer the balance as shown on the form and accepts no
rate until the balance is paid off, as long as your    details of the non-BnZ card you want to transfer from                           responsibility for transactions which are not included in the balance as shown
                                                                                                                                       on the form.
card remains active. To keep it active simply         * Write your credit/store card number here (non-BNZ issued cards only):       7.   If additional transactions are debited to your existing credit card over and above
                                                                                                                                         the balance transfer amount you have specified, you will remain liable to repay
use the card to make a purchase and/or cash                                                                                              those additional debts to your other bank account.
                                                                                                                                    8. Unless BNZ agrees otherwise, balances may only be transferred from non-BNZ
advance at least once every 12 months.                                                                                                 New Zealand issued Visa, MasterCard, american express, Diners, Ge CreditLine,
                                                      * Name as on your credit/store card:                                             the Warehouse Financial Services Credit and Store Cards and Fisher & paykel
                                                                                                                                       Finance issued Q Cards and Farmers Cards. excludes BNZ issued cards.
To find out how much you could save visit                                                                                           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
honeyishrunkthedebt.co.nz and check out               * Name of issuing bank/company:
                                                                                                                                       the payment.
                                                                                                                                    10. BNZ accepts no liability for late payments or any other payments arising from
our handy balance transfer calculator.                                                                                                  closing of your bank’s credit card and will not be liable for any overdue payment
                                                                                                                                        or interest incurred.
                                                                                                                                    11. We will charge interest on any balance transferred from the date your debit
                                                                                                                                        balance transfer is made until you repay the transferred amount in full.
It costs nothing to transfer your balance              Balance transfer instructions                                                12. Balance transfers are not eligible for rewards points.

and only takes a few minutes to apply.                 *the amount to transfer is:                          $                   .
                                                                                                                                    13. payments to other card issuers will normally be completed within ten business
                                                                                                                                        days from receipt of your request.

Offer extended to 21 April 2011.                                                                                                    14. this request is not an application for an increase in credit limit.
                                                                                                                                    15. all payments to your BNZ Credit Card will be first applied to any fees and interest,
                                                       Please note:                                                                     then to any lower interest rate “Balance transfer balance”, and then the remainder
                                                       • the amount must be completed in dollars and cents and be                       of the current balance in the following order:
                                                         a minimum of $500.                                                              a. Cash advances, then purchases processed prior to your current statement.
                                                       • Your BNZ credit card must remain within 95% of its credit limit                 b. Cash advances, then purchases on your current statement. this will result in
                                                                                                                                            balances subject to a lower interest rate being paid off first.
                                                         after the balance has been transferred. this means you cannot
                                                         transfer a balance up to your full BNZ credit card limit.
                                                                                                                                    Sign here
                                                       • If you have more than one card balance you would like to
                                                                                                                                    I confirm that I have read, understand and agree to the conditions
                                                         transfer to your BNZ credit card, simply photocopy this form.
                                                                                                                                    of acceptance.
                                                       • We will send you a letter to confirm when we have completed
                                                         your balance transfer. Balance transfers are normally processed
                                                         within 10 business days from receipt of the request.                       account Owner:

                                                       Close other account (optional)                                               Date:
                                                                                                                                                                              D        D       M M             Y       Y
                                                             please request the closure of the above non-BNZ credit card account
                                                             (please note: BNZ cannot guarantee the closure of this account).
                                                                                                                                    additional/Joint Cardholder:
  0800 855 856
  honeyishrunkthedebt.co.nz                           *Mandatory details.                                                           Date:
                                                                                                                                                                              D        D       M M             Y       Y

				
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