These terms and conditions apply to customers and members ("Customer", "you" or "your") of Federated Farmers of New Zealand Incorporated ("Federated Farmers").  By becoming a Customer of Federated Farmers you agree to be bound by these terms and conditions. 


All goods (including template agreements) and services supplied by Federated Farmers to the Customer are supplied on the basis set out in these terms.

1       DELIVERY
         1.1    Any time stated for delivery is an estimate only and Federated Farmers is not liable for any delay in
                  delivery however caused.
         1.2    Delivery of all goods will be deemed to be completed upon collection of the goods by you, or delivery of
                   the goods to you or to a carrier nominated by you (as applicable).

         2.1    Ownership of all goods remains with Federated Farmers until payment is received in full in respect of
                   those goods.
         2.2    While under Federated Farmers' ownership, Federated Farmers representatives may enter the premises
                   where the goods are stored at any time and remove them. Federated Farmers will not be responsible for
                   any loss, damage or costs which arise as a result of such entry and repossession. Federated Farmers may
                   resell the goods to recover any outstanding debt owed by you.

3       RETURNS
         3.1    We may at our discretion accept returns.  All returns must be made within ten days of delivery or such
                   longer term as we may agree.
         3.2    Federated Farmers will only accept returned goods which are part of its usual stock in trade and not
                   custom made for the Customer, and only if the following conditions are met: (i) The goods are in the
                   same repair and condition as when supplied (ii) The invoice for the goods is produced or identified
                   (iii) The Customer will pay all costs in relation to the return of the goods.


         4.1    If you become a member of Federated Farmers, you agree to these payment terms.  
         4.2    Unless a suitable reason is given to Federated Farmers and Federated Farmers accepts such reason,
                   resignation of membership will not absolve liability in respect of any payment in arrears or to the
                   subscription payments remaining due for the financial year in which the resignation is tendered.
         4.3    Federated Farmers is under no obligation to provide a refund following the resignation termination
                   (for whatever reason) of a membership.   
         4.4    The above clauses 4.2 and 4.3 are subject to Federated Farmers' absolute discretion.


         5.1    Bank Direct Debit Authority:
                   5.1.1    Direct debit authority is only available, and is strictly restricted to, payments of annual
                                subscriptions to Federated Farmers.  Payment via direct debit authority does not
                                cover any other goods or services supplied by Federated Farmers.
                   5.1.2    Federated Farmers offers an annual subscription only and a direct debit authority for
                                partial payments is a commitment to pay the full annual amount over the course of the
                                subscription year.    
                   5.1.3    Direct debit authority can be set up on monthly, quarterly or biannual options, deductions
                                are made on the 20th or next working day of the month in which payment is due.
                   5.1.4    If you cancel a direct debit during the term of your membership without the consent of
                                Federated Farmers, the balance owing for the remainder of the term will be a debt owed
                                to, and recoverable by, Federated Farmers.  
         5.2    Purchasing Cards – Farmlands/CRT, Farm Source, ATS/RuralCo:
                   5.2.1    Purchasing cards may be used for payments of annual subscriptions to Federated Farmers
                                and for all goods and services supplied.
                   5.2.2    Annual subscriptions paid by purchasing cards can be paid in full or on a Quarterly payment
                                basis only.  Goods and services are paid in full monthly.
                   5.2.3    The customer will be invoiced on the 1st of the month in which payment is due, with payment
                                to be made by the end of that month.
         5.3    Dairy Order – Fonterra, Tatua.
                   5.3.1    Payment by dairy order is only available, and is restricted to, payments for annual subscriptions
                                to Federated Farmers. The Order DOES NOT cover any other goods or services supplied by
                                Federated Farmers.
                   5.3.2    Annual subscriptions paid by dairy order must be paid in full
                   5.3.3    You will be invoiced on the 1st of the month in which payment is due, with payment to be made
                                by the end of that month.

         6.1    For account purchases, the balance of the purchase price is to be paid by the 20th of the month following
                   invoice.  You may not withhold payment or make any deductions from amounts owing without
                   Federated Farmers' prior written consent.  
         6.2    Errors or omissions made by Federated Farmers in any pricing, quoting or invoicing are subject to
                   correction by us.
         6.3    Without prejudice to any other rights, Federated Farmers may set off any debts or liabilities owed to it
                   against any amount it may owe to you.

7       DEFAULT
         7.1    In the event of payment not being made by the due date Federated Farmers will be entitled to take all
                   or any of the following steps without prejudice to any other right or remedy: (i) Terminate or suspend
                   your membership (ii) Place your account on hold or alter its status to cash only (iii) Take such steps as
                   it considers necessary to recover outstanding amounts (iv) Recover from you any discount given on the
                   unpaid goods or services.
         7.2    Federated Farmers is entitled to recover from you all legal and other costs incurred arising from the
                   collection of the outstanding amount owing, or late payment, non-payment or other breach of these
                   terms by you.


         8.1    Nowithstanding anything in these terms, Federated Farmers will never be liable in connection with
                  any supply of goods or service for any:
                   8.1.1    Loss whatsoever, including loss of income, profits, savings or goodwill or for any indirect
                                consequential loss or special exemplary damages; or
                   8.1.2    Amount exceeding the purchase price for defective goods; or
                   8.1.3    Amount not claimed within seven days of the liability arising.
         8.2    Where goods or services are supplied for the purposes of business, and it is reasonable to do so,
                   the provisions of the Consumer Guarantees Act 1993 will not apply. Where the Consumer Guarantees
                   Act 1993 does not apply, the following limitations on Federated Farmers' liability will be applicable:
                   8.2.1    Federated Farmers liability to you for breach of any implied warranty or condition which cannot
                                be excluded is limited to the supply of the goods or services again or the payment of the cost of
                                having the goods or service supplied again.
                   8.2.2    Apart from refunding to you the price paid for any goods or service which Federated Farmers has
                                been unable to supply, Federated Farmers has no liability to you for any loss or damage (either
                                direct, indirect or consequential, including a loss of profit) suffered by you or any other person
                                as a result of using Federated Farmers goods or services or any failure in providing those goods
                                or services.
                   8.2.3    Federated Farmers' liability (however arising) in respect of any claims for loss, damage or injury
                                which arises under Federated Farmer's contract with you will not in aggregate exceed the price
                                paid for goods or services in relation to which the loss, damage or injury arose.

         9.1    Federated Farmers may refuse at any time and without reason to sell goods on credit to the Customer.
         9.2    Federated Farmers may from time to time amend these terms and conditions by posting to the address
                  for service of the Customer a written set of these amended terms.  The Customer and any Guarantors
                  agree that the amended terms will be effective upon posting and are deemed accepted by the Customer
                  and any Guarantors by the Customer placing any order after the date of posting.