THINGS YOU SHOULD KNOW:

⁺Labour Weekend 90 days no payments and no interest is available on all Standard Purchases (excludes long term finance, cash advances, balance transfers, fees, interest charges or quasi cash transactions) made at accepting retailers with Farmers Finance Card ($50 minimum spend) and Farmers Mastercard (no minimum spend) from Thursday 19 to Wednesday 25 October 2023 New Zealand Time. Standard Interest Rate (currently 25.50% p.a. for Farmers Finance Card and 25.95% p.a. for Farmers Mastercard) applies to outstanding balance after interest free period. Lending criteria, fees, terms and conditions apply (including $50 annual Account Fee for Farmers Mastercard only). Rates correct at date of publication, subject to change. Retail Financial Services Limited and Columbus Financial Services Limited (the “Promoter” in each case) reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. Farmers Finance Card and Farmers Mastercard terms and conditions apply. See https://www.farmersmastercard.co.nz/things-to-know/terms-conditions/ for full Ts&Cs.

^{^}Earn Triple Points applies to all Standard Purchases eligible purchases with a transaction date from [Thursday 19 October 2023 to 11.59pm Wednesday 25 October 2023 New Zealand Time (“Promotion Period”). Eligible purchases means all purchases made with your Farmers Mastercard excluding long term finance cash advances, balance transfers, interest charges and quasi-cash transactions. The transaction date is determined by when and where the retailer accepts the relevant purchase, is outside of the control of Columbus Financial Services Limited (“Promoter”) and may affect eligibility. Triple Points means three times the standard Farmers Club Points for all eligible purchases, i.e. Triple Points equals 3 Farmers Club Points for every $10 spent on eligible purchases made on your Farmers Mastercard. To be eligible for Farmers Club Points, there must be a valid Farmers Club Card linked to your Farmers Mastercard account at the time of purchase, and your Farmers Club Card and Farmers Mastercard must remain open during the Promotion Period. Promoter reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. Farmers Mastercard standard terms and conditions apply.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.