Buy in November 2011 & pay nothing until Feb 2012*

Pay with your hs Value Plus Gold or Silver card during November, and have it interest free until February 2012*

Don’t have a hs Value Plus Card? Applying is easy. Simply download and print the application form here. Complete the form and send it back to us.

Money Saving Benefits

Save even more with your Value Plus card. You will receive invites to exclusive money saving events, benefit from exclusive cardholder savings and bonus offers and with our Value Plus Gold card save an extra 5-10%* off most in-store and catalogue merchandise - including sale lines.

Extended Warranty

Automatically receive an extra 12 months warranty on all electrical purchases made with your Value Plus card. If the item you purchase has a 12 month manufacturers warranty, this means you get an extra 12 months warranty, with our compliments.

That's peace of mind!

No annual fee

The standard Harris Scarfe Value Plus card provides many money saving benefits and no annual fee. Or upgrade to a Value Plus Gold card for just $60 pa and you'll save an extra 5-10%* off most merchandise. You could save hundreds - perhaps thousands - each year!

Interest free options

Benefit from interest-free offers up to 24 months Value Plus cardholders also receive up to 60 days interest-free on all purchases and can take advantage of extended payment options at Christmas time and during special promotions.

* When interest free periods do not apply the annual interest rate is 22.9%.

Apply now for a HS Value Plus card

Features	hs Value Plus	hs Value Plus Gold
$25 First purchase bonus
Exclusive hs card customer offers
FREE extended warranty on electricals
60 days interest free
Automatic 5-10% discount off most merchandise
Annual fee	FREE	$60

*Deffered Payment Offer available to approved customers who purchase on their Harris Scarfe Card during November 2011. When Interest Free period does not apply the Interest Rate is 22.9%. Payment in full will be required by the February 2012 statement due date to avoid interest. No Deposit 24 Months Interest Free available to approved customers who purchase $1000 in one transaction on their Harris Scarfe card. The 24 Months Interest Free offer is payable over 24 approximately equal instalments (exact amounts specified in your statements). No Deposit 12 Months Interest Free available to approved customers who purchase $500 less than $1000 in one transaction on their Harris Scarfe card. The 12 Months Interest Free offer is payable over 12 approximately equal instalments (exact amounts specified in your statements). Applications for a Harris Scarfe Card are welcome and available in store, and are subject to Harris Scarfe normal lending criteria. An establishment fee of $25 will apply on each occasion a new interest free account is opened using your Harris Scarfe Card and a monthly account-keeping fee of $2 per month will apply. Fees and Interest apply for late payments, when interest free period does not apply the interest rate is 22.9%. This notice is given under the Harris Scarfe Card Credit Contract, which specify all other conditions relating to the Interest Free Period. For all terms and conditions relating to extended warranties, exclusive offers, and $25 first purchase bonus offers, please refer to your existing contract and statements, new customers please refer to the Harris Scarfe website www.harrisscarfe.com.au for these terms and conditions including application forms which can be downloaded. Credit is provided by Perpetual Trustee Company Limited ABN 42 000 001 007 as trustee of the Harris Scarfe Securitisation Trust No. 1. Services Provided by Harris Scarfe Financial Services Pty Ltd ABN 64 130 587 496.