Valid for 4 years from date of issue. Can be used for the purchase of goods or services at any Farmers store, including www.farmers.co.nz, and Stevens store, including www.stevens.co.nz, with the exception of counters operated by third parties. It may not be returned, redeemed for cash or used as payment on any Farmers Finance, Farmers MasterCard or Long Term Finance account. Farmers is not responsible if lost, altered, damaged, destroyed, stolen, or used without permission.