Competition and Promotions Terms and Conditions

The February contest is open to Australian residents aged 18 and over, and is open February 1- February 28, 2013. Players who activate at least one entry code throughout the month of February will be eligible for the $200 bonus prize if determined winner of the $5,000 Countdown to Cash competition. The winner will receive a US$200 Amazon voucher. Winner drawn at 3pm on 7^th March.

March Countdown to Cash Bonus Prize

The March Refer A Friend contest is open to Australian residents aged 18 and over, and is open March 1- March 31, 2013. Players will receive one entry into this special draw for every friend referred during the contest who registers and submits at least one entry code. The winner will receive a 16GB iPad mini and another 16GB iPad mini for the referred player (total value $738). iPad is a trademark of Apple Inc., registered in the U.S. and other countries. Winner drawn at 3pm on 8^th April. Entrants should only nominate friends, family, colleagues and other individuals who they have a direct relationship with, and who consent to receiving these types of messages.

April Countdown to Cash Bonus Prize

The April Loyalty contest is open to Australian residents aged aged 18 and over, and is open April 1- April 30, 2013. Players who activate an entry number every day through April will be eligible for this special loyalty prize if determined winner of the $5,000 Countdown to Cash competition. The winner will receive a $200 voucher. Winner drawn at 3pm on 7^th May.

May Countdown to Cash Bonus Offer

The May Everyone’s A Winner contest is open to Australian residents aged 18 and over, and is open May 1- May 31, 2013. Players must activate one number each week to be eligible for that week’s gift. Week 1 (May 1 – May 7) 15% off voucher for Reader’s Digest Direct online store, Week 2 (May 8 – May 14) $20 off voucher for Reader’s Digest Direct online, Week 3 (May 15 – May 21) 10% off voucher for Reader’s Digest Direct online store, Week 4 (May 22 – May 31) $15 off voucher for Reader’s Digest Direct online store . Vouchers cannot be used in conjunction with any other offer and do not include Postage & Handling. Shop at www.readersdigestdirect.com.au

June Countdown to Cash Bonus Prize

The June Travel contest is open to Australian residents aged 18 and over, and is open June 1- June 30, 2013. Players will receive one entry into this special draw provided they submit at least one entry code throughout the month of June. The winner will receive a $500 travel voucher. Winner drawn at 3pm on 8^th July

July Countdown to Cash Bonus Prize

The July Travel contest is open to Australian residents aged 18 and over, and is open July 1- July 31, 2013. Players will receive one entry into this special draw provided they submit at least one entry code throughout the month of July. The winner will receive a $500 travel voucher. Winner drawn at 3pm on 7^th August

August Countdown to Cash Bonus Entry Offer

The August Double Your Chances offer is open to Australian residents aged 18 and over, and is open August 1- August 31, 2013. Individuals will be eligible for an extra entry to the August Countdown to Cash Prize Draw for every entry they submit throughout the month. Winner drawn at 3pm on 7^th September

September Countdown to Cash Bonus Prize

The September Everyone’s A Winner offer is open to Australian residents aged 18 and over, and is open September 1- September 30, 2013. Players must activate one number each week to be eligible for that week’s gift. Week 1 (September 1 – September 7) 15% off voucher for Reader’s Digest Direct online store, Week 2 (September 8 – September 14) $20 off voucher for Reader’s Digest Direct online, Week 3 (September 15 – September 21) 10% off voucher for Reader’s Digest Direct online store, Week 4 (September 22 – September 30) $15 off voucher for Reader’s Digest Direct online store . Vouchers cannot be used in conjunction with any other offer and cannot be used against Postage & Handling costs. Shop at www.readersdigestdirect.com.au

October Countdown to Cash Bonus Prize

The October Refer A Friend contest is open to Australian residents aged 18 and over, and is open October 1- October 31, 2013. Players will receive one entry into this special draw for every friend referred during the contest who registers and submits at least one entry code. The winner will receive an iPad mini and another iPad mini for the referred player. iPad is a trademark of Apple Inc., registered in the U.S. and other countries. Winner drawn at 3pm on 7^th November

November Countdown to Cash Bonus Prize

The November Christmas contest is open to Australian residents aged 18 and over, and is open November 1- November 30, 2013. Players will receive one entry into this special draw provided they submit at least one entry code throughout the month of November. The winner will receive a $200 Myer voucher. Winner drawn at 3pm on 7^th December

December Countdown to Cash Bonus Prize

The December Shopping Spree contest is open to Australian residents aged 18 and over, and is open December 1- December 31, 2013. Players will receive one entry into this special draw provided they submit at least one entry code throughout the month of December. The winner will receive a $500 Myer voucher. Winner drawn at 3pm on 7^th January

Magic Million Sweepstakes

1. The Sweepstakes is open to residents of Australia and New Zealand aged 18 years or older only who receive or access marketing communications via email, mail, telephone or online from the Promoter during the promotional period. The Sweepstakes opens on 01/01/13 and closes on 31/12/13.

2. All prizes are guaranteed to be awarded. Throughout the Sweepstakes, the Promoter will conduct up to 24 ‘bonus increase’ offers. Bonus increase offers will only be sent to selected entrants. If an entrant receives a ‘bonus increase’ offer and responds to the material as directed, in the event that they are drawn as the winner of the prize to which the ‘bonus increase’ offer applies, they will receive the set prize plus the bonus outlined in the material (which could be up to double the original prize value). The decision to increase any cash prize value and the amount of the increase will be totally at the discretion of the Promoter and will be indicated in the promotional material for the relevant prize draw. If an increased prize value has been advertised to a winning entrant, the Promoter will award that entrant the increased prize value, as advertised. For all other activities a winning entry will receive the stated prize value without the increase. If the Promoter decides to offer an increase in the value of any or all of the cash prizes, the total maximum potential value based on a maximum doubling of prizes would then respectively be increased to $1,684,000. In the case of any unclaimed cash prize, only the original cash prize (i.e. the cash prize without any bonus increase) will be distributed.

3. The Promoter reserves the right to offer additional opportunities for entrants to receive bonus entries. Any such opportunities (and the relevant conditions and limitations) will either be announced via the corresponding promotional material.

4. Multiple entries are permitted (unless otherwise stated) provided each entry is on an original entry form (if entry is via entry form). No facsimiles or copies permitted. Entries are not transferable. To be eligible, entries must be received by the applicable closing date. Additional deadlines apply to certain prizes including the bonus prizes and, based on postal guidelines, the Promoter allows one week for delivery and one week for return in addition to any deadline stated. In some cases where it will not be necessary to return an entry form in order to participate, specific mention will be made of that fact in the promotional material. All eligible entries will qualify and will have a fair and equal chance to win the prize to which they relate.

5. Cash prizes will be awarded in the form of a cheque or by electronic funds transfer to the winner's nominated bank account. Cash prizes will be paid in the local currency of the winner. Prizes are not transferable.

6. In the final stages, the Promoter will conduct the draws and the winners declared will be final and no further correspondence will be entered into.

7. All times specified in these Terms and Conditions are Sydney Australian times.

8. Special $5,000 Monthly Prize Draw Entry Instructions:

• To enter, eligible individuals must visit www.countdown2cash.com.au (Australian residents) or www.countdown2cash.co.nz (New Zealand residents) and follow the prompts to the promotional registration page, input the requested details (including a valid email address) and submit the fully completed registration form. Entrants can only register once.

• Once an entrant has completed the above steps and registered, they will receive an email from the Promoter each day of the promotional period offering them an opportunity to receive an entry (“Email entry”), including on the day that they register (which will also serve to confirm their registration). In order to claim the Email Entry (and confirm their registration on the first day they register), the entrant must follow the prompts in the email to visit the promotional website and input the requested details (including details of their email entry code) on the same day that they receive the relevant email. Entrants are eligible to receive one (1) Email Entry into the next subsequent $5,000 Monthly Prize Draw for each day of the promotional period, from and including the date of registration.

• Once an entrant has completed the step outlined above, the Promoter may also offer the entrant further bonus entries if they follow the prompts to refer eligible friends and family. Entrants will be eligible to receive one (1) referral bonus entry (“Referral Entry”) into the next subsequent $5,000 Monthly Prize Draw each day of the promotional period, provided that they refer at least one (1) friend/family member each day of the promotional period (by providing their friend’s/family member’s name and valid email address). Referral Entries are subject to the following conditions: (a) entrants will only be given the opportunity to refer friends/family members if they have completed the step outlined above; (b) there is a strict limit of one (1) Referral Entry per person per day, regardless of the number of friends referred on that day; and (c) each friend/family member can only be referred by an entrant once.

Entrants should only nominate friends, family, colleagues and other individuals who they have a direct relationship with, and who consent to receiving these types of messages. Entrants can only nominate/refer Australian and New Zealand residents aged 18 years or over.

9. The ‘Win It All Windfall Draw’, the ‘Fast Fortune Draw’, the ‘Big Bonanza Draw’ and the ‘Celebration Surprise Draw’ will take place at Anisimoff Legal, Suite 301, 22 Atchison Street, St Leonards, Sydney, NSW 2065 at 10:30am. All other draws will take place at Reader’s Digest, 80 Bay Street, Ultimo, NSW, 2007 at 10:30am. The draws will take place on the following dates:

o Win It All Windfall Draw: 05/04/13;

o Fast Fortune Draw: 05/07/13;

o Big Bonanza Draw: 08/10/13;

o Celebration Surprise Draw: 18/12/13;

o Super Grand Prize Draw: 10/01/14;

o Thank You Prize Draw (with Preferred Customer Bonus): 10/01/14;

o Premier Prize Draw: 10/01/14;

o Monthly $1,000 Prize Draws: 07/02/13 (January Draw), 07/03/13 (February Draw), 05/04/13 (March Draw), 02/05/13 (April Draw), 07/06/13 (May Draw), 05/07/13 (June Draw), 07/08/13 (July Draw), 06/09/13 (August Draw), 08/10/13 (September Draw), 07/11/13 (October Draw), 06/12/13 (November Draw), 08/01/14 (December Draw).

o Monthly $5,000 Prize Draws: 07/02/13 (January Draw), 07/03/13 (February Draw), 05/04/13 (March Draw), 02/05/13 (April Draw), 07/06/13 (May Draw), 05/07/13 (June Draw), 07/08/13 (July Draw), 06/09/13 (August Draw), 08/10/13 (September Draw), 07/11/13 (October Draw), 06/12/13 (November Draw), 08/01/14 (December Draw).

10. All winners will be notified by mail within 7 days of the relevant draw. Australian winners will be announced in The Australian on the following dates:

o 26/04/13 (Win It All Windfall Draw);

o 26/07/13 (Fast Fortune Draw);

o 25/10/13(Big Bonanza Prize Draw);

o 27/12/13 (Celebration Surprise Draw);

o 31/01/14 (Super Grand Prize Draw, Thank You Prize Draw, Premier Prize Draw, $1,000 Monthly Prize Draws, $5,000 Monthly Prize Draws and Lucky Number Giveaway).

11. The Promoter may conduct such further draws at the same time and place as the original draws as necessary on 10/04/14 in order to distribute any prize unclaimed by that date subject, however, to any written directions from a regulatory authority. Winners will be notified in writing and in the event of any Australian winners in the unclaimed prize draw, their names will be published in The Australian on 17/04/14.

12. For the Lucky Number Giveaway, 1000 numbers will be randomly selected before the Sweepstakes commences. Reader’s Digest’s Chief Financial Officer will retain the winning numbers in a security safe while the Sweepstakes is running. After the Sweepstakes closes on 31/12/13, the first winning number on the list will be released to the Prize Administrator who will verify that the participant who was issued the winning number has in fact returned it as directed and if so they will be awarded the Lucky Number Giveaway prize. If the first drawn winning number has not been returned, the Lucky Number Giveaway prize will be awarded to the next number from the list of 1000 numbers which has been returned as directed. If none of the 1000 pre drawn numbers have been returned as directed another 1000 numbers will be drawn at Reader’s Digest, 80 Bay Street, Ultimo, NSW, 2007 at 10:30am on 10/01/14 and matched against returned numbers until a winner is found. The first drawn number which matches with a number that has been returned as directed will be declared the winner.

13. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Sweepstakes (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.

14. The Promoter collects entrants’ personal information in order to conduct the Sweepstakes. If the information requested is not provided, the entrant may not participate in the Sweepstakes. By entering the Sweepstakes, unless otherwise advised, each entrant also agrees that the Promoter may use this information, or disclose it to other organisations that may use it, in any media for future promotional, marketing and publicity purposes without any further reference, payment or other compensation to the entrant, including sending the entrant electronic messages. All personal details of the entrants will be stored at the office of the Promoter. Entrants’ personal information may be disclosed to State and Territory lottery departments and winners’ names published as required under the relevant lottery legislation. A request to access, update or correct any information should be directed to the Promoter.

15. The promotional material, information on how to enter, the Official Prize List and the conditions of entry described in them form part of the Terms and Conditions.

16. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia and/or New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

17. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) use of a prize.

18. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. Incomplete, indecipherable, inaudible or illegible entries will be deemed invalid.

19. All phone calls are to be made to the phone number specified on the promotional material. Call cost from landline phones will not exceed 55c, however, calls from mobile and pay phones may attract a higher rate. The start time for entry into the Sweepstakes via phone is 12:00am on the start date stated. The close time for entry into the Sweepstakes via phone is 11:59pm on the date stated on the promotional material or if no deadline is stated, by the final closing date.

20. If entry is via a premium SMS mechanic, the SMS number will be specified in the promotional material. The cost of the SMS will be 55c. Entrants will need premium service access to enter via SMS. Details of the SMS helpline number will also be included with the promotional material. SMS entries via the internet will be ineligible. SMS winners will be contacted by SMS and/or phone and the Promoter will record their address details so that the prize may be awarded. Entries are deemed to be received at the time of receipt into the Sweepstakes database and NOT at the time of transmission by the entrant.

21. Online entries close at 11.59pm on the deadline date stated.

22. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the internet service provider used. The Promoter accepts no responsibility for late, non-directed or misdirected e-mail, for any technical hardware or software failures of any kind, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any human error which may occur in the receipt or processing of entries. Further, the Promoter accepts no responsibility for damage to computer systems from downloading any information necessary to participate in the Sweepstakes. The Promoter (subject to relevant authorities) reserves the right to terminate or modify the Sweepstakes or the online portion of the Sweepstakes at any time if the Promoter’s online service is no longer available or is compromised by any virus, bugs, or other intervention beyond the Promoter’s control. In either of these events, prizes may be awarded based on electronic entries received prior to date of termination and mail-in entries received as of the closing date. The Promoter reserves the right in its sole discretion to disqualify any entrant who tampers with any entry process or is in any other way responsible for compromising the orderly operation of the Sweepstakes. The use of any automated software or any other mechanical or electronic means that allows an entrant to automatically enter repeatedly is prohibited and will render all entries submitted by that entrant invalid.

23. Based on past Sweepstakes, the approximate odds of winning a prize with each entry are as follows: the Win It All Windfall: 1 in 2,001,515; the Fast Fortune: 1 in 2,001,515; the Big Bonanza: 1 in 2,001,515; the Celebration Surprise: 1 in 2,001,515; the Grand Prize: 1 in 5,322,678; a Citizen Watch prize: 1 in 6,6Premier Prize: 1 in 2,900,180; the Lucky Number Giveaway: 1 in 3,059,761

The Promoter is Reader’s Digest (Australia) Pty Ltd, (ABN 81000565471), 80 Bay Street, Ultimo, NSW Australia. (www.readersdigest.com.au) (www.readersdigest.co.nz). Ph: Aust 1300300162 - NZ 0800540048. Authorised under NSW LTPS/12/ 7755, VIC 12/1777, ACT TP12/2654, SA T12/1335

Monthly writing contest

1. This competition is open only to Australian residents aged 18 years and over. It runs throughout 2013 starting on 01/01/2013. Each monthly contest starts at midnight AEST on the first day of the month and ends at 11:59pm AEST on the last day of the month.

2. The promotional material, information on how to enter and prize details form part of these rules. To be eligible to enter the competition, you must reply in accordance with the conditions specified in this promotion. Employees of Reader's Digest and members of their immediate families are not eligible to enter. Reader's Digest cannot accept responsibility for lost, misdirected or delayed entries.

3. Entries must be made at www.readersdigest.com.au. The winners will be judged at Reader’s Digest at the beginning of each month. The best entry, as determined by the judges, will win an Amazon voucher valued at $50. Total number of prizes: 12. Total value of giveaway: $600.

4. The winners will be notified by email and published on our website – www.readersdigest.com.au. If a prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification.

5. If for any reason a winner does not take the prize within four weeks of the competition closing, the prize will be forfeited.

6. All entries become the property of the promoter and may be used in print and all electronic media. The promoter may use the entrants' names, addresses and photographs for promotional, marketing and publicity purposes. The promoter's decision on all matters pertaining to this promotion is final

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Movie giveaway

1. This competition is open to Australian residents only. All entries must be received no later than the closing date specified on the entry form.

2. The promotional material, information on how to enter and prize details form part of these terms and conditions. To be eligible to enter the competition, you must reply in accordance with the conditions specified in this promotion. Employees of Reader's Digest and members of their immediate families are not eligible to enter. Reader's Digest shall not accept responsibility for lost, misdirected or delayed entries.

3. The winners will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, shortly after the closing date.

4. The best entries, as determined by the judges, will win a double movie pass to the movie stated. The total number of prizes is listed on the entry form. Total value of one double movie pass: AUD$36. (If the giveaway is for a ‘family movie pass’, the prize will be two double movie passes.)

5. The prizewinners will be notified by mail and posted on www.readersdigest.com.au/winners.

6. The promoter may use the entrants' names, addresses and photographs for promotional, marketing and publicity purposes and by submitting an entry, each entrant agrees to this use. Promoters’ decisions on all matters pertaining to this competition are final

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

DVD giveaway

1. This competition is open to Australian residents only. All entries must be received no later than the closing date specified on the entry form.

3. The winner will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, shortly after the closing date.

4. The best entries, as determined by the judges, will win a copy of the DVD(s) stated. The total number of prizes and the value of each prize are stated on the entry form.

5. The prizewinners will be notified by mail and published on www.readersdigest.com.au/winners.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Book Giveaway

1. This competition is open to Australian residents only. All entries must be received no later than the closing date specified on the entry form.

3. The winners will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, shortly after the closing date.

4. The best entries, as determined by the judges, will win a copy of the book(s) stated. The total number of prizes and the value of each prize are stated on the entry form.

5. The winner will be notified by mail and published on www.readersdigest.com.au/winners.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Easter Hunt

1. This contest is open only to Australian residents aged 18 years or over. The contest opens on 01/03/2013. Entries close at 11:59pm (Sydney time) on 31/03/2013.

3. Players must register for the Easter Hunt at www.readersdigest.com.au. Hidden within the Reader’s Digest website are 20 eggs, including five ‘golden eggs’. To be eligible for the major prize draw, players must find all 20 eggs before 31/03/2013. Each golden egg also gives players instant entry into a bonus prize draw, of which there are five in total.

4. The first eligible entry drawn for the major prize will win a Nespresso Pixie Coffee Machine EN125R+ valued at $399. The first eligible entry drawn for each bonus prize will win a $50 gift card of their choice, from the following five outlets: JB Hi-Fi, Event Cinemas, Myer, iTunes or Wish.

If a player refers a friend to the Easter Hunt, they will also go into a separate draw to win a Coles/Myer gift card valued at $100. However, this prize will only be awarded if the friend referred registered for the Easter Hunt during the promotional period. Total number of prizes: 7. Total value of the promotion: $749.

5. The prizes will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007. The draws will take place on 04/04/2013 at 10:30am.

6. Limit one (1) entry per person and one (1) registration per email address.

7. The winners will be notified by email and published on the Promoter’s website -www.readersdigest.com.au.

8. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize within three months, then the prize will be forfeited. The Promoter may conduct such further draws at the same time and place as the original draw as is necessary on 04/07/2013 in order to distribute the prize.

9. If a prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification. Prize is not transferable or exchangeable or redeemable for cash.

10. The Promoter reserves the right, at any time, to verify the validity of entries and players (including a player’s identity, age and place of residence) and to disqualify any player who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

11. The Promoter collects personal information in order to conduct the contest and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, Australian regulatory authorities, service providers and prize suppliers. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning players. Players should direct any request to access, update or correct information to the Promoter. All entries become the property of the Promoter. The Promoter's decision on all matters pertaining to this contest is final and no correspondence will be entered into.

12.Any cost associated with accessing the promotional website is the player’s responsibility and is dependent on the Internet service provider used. The Promoter accepts no responsibility for late, misdirected or delayed entries, for any technical hardware or software failures of any kind, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any human error which may occur in the receipt or processing of entries. Further, the Promoter accepts no responsibility for damage to computer systems from downloading any information necessary to participate in the contest. The Promoter reserves the right to terminate or modify the contest at any time if the Reader’s Digest on-line service is no longer available or is compromised by any virus, bugs, or other intervention beyond the Promoter’s control. In either of these events, the prize may be awarded based on entries received prior to date of termination.

13. The Promoter reserves the right in its sole discretion to disqualify any player who tampers with the entry process or is in any other way responsible for compromising the orderly operation of the contest. If this contest is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law (a) to disqualify any player; or (b) to modify, suspend, terminate or cancel the contest, as appropriate.

14. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the contest.

15. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or player; or (f) use of a prize.

16. Players consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this contest (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.

17. The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 - (www.readersdigest.com.au.)

Authorised under NSW LTPS/12/ 7755, VIC 12/1777, ACT TP12/2654, SA T12/1335

Vetalogica

1. This competition is open only to Australian residents aged 18 years or over.I t commences on 04/02/2013. Entries close at 11:59pm on 28/02/2013.

2. The promotional material, information on how to enter and prize details form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.

3. Employees (and their immediate families) of the Promoter and agencies associated with this promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.

4. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Errors and omissions will be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

5. Incomplete, indecipherable or illegible entries will be deemed invalid.

6. Only one entry permitted per person.

7. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.

8. Promotion commences on 4th February 2013. Entries close 11:59pm (AEDST) on 28th February 2013.

9. The winners will be notified by email.

10. This is a game of skill and chance plays no part in determining the winners. Each entry will be individually judged based on literary and creative merit of the answer provided to the promotional question.

11. The 50 best valid entries, as determined by the judges in their discretion, will each win a 250ml bottle of Vetalogica Organic 2 in 1 Shampoo + Conditioner valued at $13.95 . Total number of prizes: 50. Total value of giveaway: $697.50.

12. The Promoter’s decision is final and no correspondence will be entered into. If for any reason a winner does not redeem a prize within four weeks of being notified, then the prize will be forfeited.

13. If a prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification.

14. Prizes are not transferable or exchangeable and cannot be taken as cash.

15. When an entrant submits any materials via the promotion including comments, recordings and images (“Content”), the entrant, unless the Promoter advises otherwise, licenses and grants the Promoter, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such Content for any purpose in any media, without compensation, restriction on use, attribution or liability. Entrants agree not to assert any moral rights in relation to such use and warrant that they have the full authority to grant these rights.

Entrants agree that they are fully responsible for the Content they submit. The Promoter shall not be liable in any way for such Content to the full extent permitted by law. The Promoter may remove any Content without notice for any reason whatsoever. Entrants warrant and agree that: (a) they will not submit any Content that is unlawful or fraudulent, or that the Promoter may deem in breach of any intellectual property, privacy, publicity or other rights, defamatory, obscene, derogatory, pornographic, sexually inappropriate, violent, abusive, harassing, threatening, objectionable with respect to race, religion, origin or gender, not suitable for children aged under 15, or otherwise unsuitable for publication; (b) they will obtain prior consent from any person or property that appears in their Content; (c) they will obtain full prior consent from any person who has jointly created or has any rights in the Content, to the uses and terms herein; (d) their Content shall not contain viruses or cause injury or harm to any person or entity; and (e) they will comply with all applicable laws and regulations, including without limitation, those governing copyright, content, defamation, privacy, publicity and the access or use of others' computer or communication systems.

Without limiting any other terms herein, the entrant agrees to indemnify the Promoter for any breach of the above terms.

16. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.

17. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law (a) to disqualify any entrant; or (b) to modify, suspend, terminate or cancel the promotion, as appropriate.

18. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used.

19. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

20. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) use of a prize.

21. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers and prize suppliers. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter. All entries become the property of the Promoter.

22. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471) of 80 Bay Street, Ultimo NSW 2007.

Love Photo Contest

1. This competition is open only to Australian residents aged 18 years or over. It commences on 01/02/2013. Entries close at 11:59pm on 20/02/2013.

2. Entrants must submit a photo of something that they love via the entry form found at www.readersdigest.com.au or www.facebook.com/ReadersDigestAustralia. Photos will be judged on originality, artistic merit and how well they fit the theme.

3. Six finalist photos will be selected at Reader’s Digest, 80 Bay St Ultimo NSW after entries have closed. These photos will be posted online for a public vote on 22/02/2013. The finalists will be contacted by email.

4. The winner will be the finalist who receives the highest number of votes by 12pm on 01/03/2013. In the event of a tie in votes, the Promoter will determine the winner.

5. The winner will be notified by email after voting has closed and published on Facebook and at www.readersdigest.com.au. The winner declared will be final and no correspondence will be entered into.

6. The winner will receive a Sony TK11 High-Power Muteki Speaker Dock valued at $333. Total value of the promotion is $333. The Prize is not transferable or exchangeable or redeemable for cash. If the prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification.

7. The promotional material, information on how to enter and prize details form part of these Terms and Conditions. To be eligible to enter the competition, you must reply in accordance with the conditions specified in this promotion. Employees of Reader's Digest and members of their immediate families are not eligible to enter. Reader's Digest cannot accept responsibility for lost, misdirected or delayed entries.

8. All entries become the property of the Promoter. The Promoter may use entrants' names, addresses and photographs for promotional, marketing and publicity purposes. As a condition of entering this promotion, each entrant licenses the Promoter to use their entry in any media for an unlimited period for any reason including but not limited to future promotional, marketing or publicity purposes. Each entrant warrants to the Promoter that each entry submitted is an original artistic work of the entrant that does not infringe the rights of any third party. Entrants agree to indemnify the Promoter against all costs and claims by third parties arising from a breach of this warranty. Entrants consent to any use of their entry which may otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth).

9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and votes and to disqualify any entrant/voter who submits an entry/vote that is not in accordance with these Terms and Conditions or who tampers with the entry/voting process. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

The Promoter also reserves the right, at any time, to invalidate any votes which it reasonably suspects have been submitted using false, incorrect, fraudulent or misleading information, including but not limited to personal details and contact information and/or votes that have been submitted through the use of multiple identities, email addresses or accounts, including but not limited to social networking accounts.

10. If for any reason the winner does not take the prize by the time stipulated by the Promoter, then the prize will be forfeited. If the prize remains unclaimed by 01/04/2013, the Promoter may name the next-placed finalist as the winner in order to distribute the prize.

11. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers and prize suppliers. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter. All entries become the property of the Promoter. The Promoter's decision on all matters pertaining to this promotion is final and no correspondence will be entered into.

12. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used. The Promoter accepts no responsibility for late, non-directed or misdirected e-mail, for any technical hardware or software failures of any kind, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any human error which may occur in the receipt or processing of entries/votes. Further, the Promoter accepts no responsibility for damage to computer systems from downloading any information necessary to participate in the promotion. The Promoter reserves the right to terminate or modify the promotion at any time if the Promoter’s on-line service is no longer available or is compromised by any virus, bugs, or other intervention beyond the Promoter’s control. In either of these events, the prize may be awarded based on entries/votes received prior to date of termination. The Promoter reserves the right in its sole discretion to disqualify any entrant/voter who tampers with the internet entry/voting process or is in any other way responsible for compromising the orderly operation of the promotion. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law (a) to disqualify any entrant/voter; or (b) to modify, suspend, terminate or cancel the promotion, as appropriate.

13. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia ("Non-Excludable Guarantees"). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

14. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry, vote or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) use of a prize.

15. Entry and continued participation in the promotion is dependent on entrants following and acting in accordance with the Facebook Statement of Rights and Responsibilities, which can be viewed at www.facebook.com/terms.php.

This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook. Entrants understand that they are providing their information to the Promoter and not to Facebook. The information an entrant provides will only be used for the purposes outlined in these Terms and Conditions. Any questions, comments or complaints about this promotion must be directed to the Promoter and not to Facebook.

The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 – www.readersdigest.com.au

Dream Summer Menu

1. This contest is open to residents of Australia aged 18 or over only, commencing 24/12/2012. All entries must be received no later than 11:59pm AEDST on 31/01/2013.

2. The promotional material, information on how to enter and prize details form part of these terms and conditions. To be eligible to enter the contest, you must reply in accordance with the conditions specified in this contest. Employees of the promoter (including Handyman Magazine) and members of their immediate families are not eligible to enter. The promoter shall not accept responsibility for lost, misdirected or delayed entries.

3. Multiple entries permitted, however, each entry must be substantially unique and submitted separately in accordance with entry requirements.

4. The winners will be selected at the offices of Reader’s Digest/Handyman, 80 Bay St, Ultimo NSW, on or about 01/02/2013.

5. To be eligible to win, entrants must follow the Reader’s Digest Pinterest page (pinterest.com/readersdigestau/) create a board of their ‘Ultimate Summer Menu’ using at least 10 images, 5 of which must be from the Reader’s Digest Food and Recipes site (www.readersdigest.com.au/food-and-recipes). The board link and description must then be submitted on the entry form at www.readersdigest.com.au/ultimate-summer-menu.

6. This is a game of skill and chance plays no part in determining the winners. Each entry will be individually judged based on the originality and creative merit of the Pinterest page created.

7. The best entry, as determined by the judges, will receive a Beefmaster BBQ valued at $599.

8. The prizewinners will be notified by email. If the promoter does not receive confirmation of acceptance of the prize within 7 days, the contest will be rejudged and new winner(s) announced.

9. The promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Errors and omissions will be accepted at the promoter's discretion. Failure by the promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

10.If this contest is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the promoter reserves the right, in its sole discretion, to the fullest extent permitted by law (a) to disqualify any entrant; or (b) to modify, suspend, terminate or cancel the contest, as appropriate.

11.When an entrant submits any materials via the contest (“Content”), the entrant, unless the Promoter advises otherwise, licenses and grants the Promoter, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such Content for any purpose in any media, without compensation, restriction on use, attribution or liability. Entrants agree not to assert any moral rights in relation to such use and warrant that they have the full authority to grant these rights.

Without limiting any other terms herein, the entrant agrees to indemnify the Promoter for any breach of the above terms.

12.Promoter’s decisions on all matters pertaining to this contest are final and no correspondence will be entered into.

13.The promoter collects personal information in order to conduct the contest and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers and prize suppliers. Entry is conditional on providing this information. The promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the promoter. All entries become the property of the promoter.

14.Entry and continued participation in the contest is dependent on entrants following and acting in accordance with the Pinterest Terms of Service, which can be viewed at http://pinterest.com/about/terms/.

15.The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Samsung Camcorder

1. This competition is open to (Australian/New Zealand) residents only, commencing 14/01/2013. All entries must be received no later than 30/04/2013 5:00 pm – AEST.

3. The winners will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 07/05/2013.

4. The best entries, as determined by the judges, will win a Samsung HD Camcorder, worth AUD429. Total Number of prizes: 1. Total value of giveaway: AUD429.

5. The prizewinner will be notified by email. If Reader’s Digest does not receive confirmation of acceptance of the prize within 30 days, the competition will be rejudged and a new winner announced.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Australia Day Giveaway

1. This competition is open only to Australian residents, commencing 23/01/2013. All entries must be received no later than midnight on 24/01/2013.

3. The winner will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on 25/01/2013.

4. The best entry, as determined by the judges, will win a $50 movie e-voucher. Total number of prizes: 1. Total value of giveaway: $50.

5. The prizewinner will be posted on Facebook and notified by email.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Karcher Pressure Cleaner

1. This prize scheme is open to residents of Australia aged 18 years or older only and

opens 16 January, 2013. Entries close at 5pm AEDST (online entries) or last mail

received (mail entries) on 19 February, 2013.

2. The promotional material, information on how to enter and prize details form part

of these rules. To be eligible to enter, you must reply in accordance with the

conditions specified in this promotion. Employees of the Promoter and members

of their immediate families are not eligible to enter. The Promoter cannot accept

responsibility for lost, misdirected or delayed entries.

3. The Promoter reserves the right, at any time, to verify the validity of entries and

entrants (including an entrant’s identity, age and place of residence) and to

disqualify any entrant who submits an entry that is not in accordance with these

Terms and Conditions or who tampers with the entry process.

4. Failure by the Promoter to enforce any of its rights at any stage does not constitute

a waiver of those rights.

5. Limit of one entry per person.

6. This is a game of skill and chance plays no part in determining the winner. Each

entry will be individually judged and the winner will be determined based on the

originality, creativity and/or humour of their entry. To enter, readers must answer

in 50 words or less: “What is your best outdoor cleaning tip using a pressure

washer?” Readers may either visit www.handyman.net.au and fill out the online

form to enter, or mail their written answer along with their name, address, email

and phone number to “Karcher Competition” GPO Box 4353, Sydney NSW 2001.

7. The best valid entry, as determined by the judges in their discretion, will win one

Karcher K6.800 T400 pressure washer kit to the value of $999.

8. The total prize value is AU$999 (inclusive of GST). The prize is not transferable,

exchangeable or redeemable for cash.

9. The prize will be delivered at the prize supplier’s expense within six to eight

weeks of the winner being published.

10. The prize winner will be notified by email and published in the May 2013 issue of

Handyman magazine.

11. Any cost associated with accessing the promotional website is the entrant’s

responsibility and is dependent on the internet service provider used. The

Promoter accepts no responsibility for any technical hardware or software failures

of any kind, lost or unavailable network connections or failed, incomplete, garbled

or delayed computer transmission or any human error which may occur in the

receipt or processing of entries. Further, the Promoter accepts no responsibility for

damage to computer systems from downloading any information necessary to

participate in the promotion. The Promoter reserves the right to terminate or

modify the promotion or the on-line portion of the promotion at any time if the

Promoter’s on-line service is no longer available or is compromised by any virus,

bugs, or other intervention beyond the Promoter’s control. In either of these

events, prizes may be awarded based on entries received prior to date of

termination. The Promoter reserves the right in its sole discretion to disqualify any

entrant who tampers with the entry process or is in any other way responsible for

compromising the orderly operation of the promotion.

12. All entries (which shall include the literary works comprising the reply to the

promotional question) become the property of the Promoter. As a condition of

entering into this promotion, each entrant agrees to assign all of their rights, title

and interest (including copyright) in and to their entry to the Promoter. Each

entrant warrants to the Promoter that each entry submitted is an original literary

work of the entrant that does not infringe the rights of any third party. The entrant

agrees to indemnify the Promoter against all costs and claims by third parties

arising from a breach of this warranty. Entrants consent to any use of their entry

which may otherwise infringe their moral rights pursuant to the Copyright Act

1968 (Cth).

13. The Promoter collects personal information in order to conduct the promotion and

may, for this purpose, disclose such information to third parties, including but not

limited to agents, contractors, service providers, and prize suppliers. Entry is

conditional on providing this information. The Promoter may, for an indefinite

period, unless otherwise advised, use the information for promotional, marketing,

publicity, research and profiling purposes, including sending electronic messages

or telephoning the entrant. Entrants should direct any request to access, update or

correct information to the Promoter.

14. The Promoter's decision on all matters pertaining to this promotion is final.

15. Nothing in these Terms and Conditions limits, excludes or modifies or purports to

limit, exclude or modify the statutory consumer guarantees as provided under the

Competition and Consumer Act, as well as any other implied warranties under the

ASIC Act or similar consumer protection laws in the State and Territories of

Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by

law be excluded, including the Non-Excludable Guarantees, the Promoter

(including its respective officers, employees and agents) excludes all liability

(including negligence), for any personal injury; or any loss or damage (including

loss of opportunity); whether direct, indirect, special or consequential, arising in

any way out of the promotion.

16. Except for any liability that cannot by law be excluded, including the Non-

Excludable Guarantees, the Promoter (including its respective officers, employees

and agents) is not responsible for and excludes all liability (including negligence),

for any personal injury; or any loss or damage (including loss of opportunity);

whether direct, indirect, special or consequential, arising in any way out of: (a)

any technical difficulties or equipment malfunction (whether or not under the

Promoter’s control); (b) any theft, unauthorised access or third party interference;

(whether or not after their receipt by the Promoter) due to any reason beyond the

reasonable control of the Promoter; (d) any variation in prize value to that stated

in these Terms and Conditions; (e) any tax liability incurred by a winner or

entrant; or (f) use of a prize.

17. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471),

80 Bay Street, Ultimo NSW 2007 in Australia.

Guessing Game

1. This contest is open only to Australian residents aged 18 years or over. The contest runs every month from January of 2013 to December of 2013, opening on the first day of the month. Entries close at 11:59pm (Sydney time) on the last day of the month. The winner will be determined at the end of each month.

2. The promotional material, information on how to enter and prize details form part of these terms and conditions. To be eligible to enter the contest, you must reply in accordance with the conditions specified in this promotion. Employees of Reader's Digest and members of their immediate families are not eligible to enter.

3. Limit one (1) entry into each monthly contest per person.

4. The first person to make the correct guess will be the winner. In the event that no one guesses the correct amount, the first person to submit the closest guess will be the winner.

5. The winner will be notified by email and published on the Promoter’s website - www.readersdigest.com.au. The winner declared will be final and no correspondence will be entered into.

6. The winner will receive a $50 gift card to the store specified in the promotion. Total value of each promotion: $50.

7. If for any reason the winner does not take the prize within 28 days of their notification email, then the prize will be forfeited.

8. If the prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification. Prize is not transferable or exchangeable or redeemable for cash.

12.Any cost associated with accessing the promotional website is the player’s responsibility and is dependent on the internet service provider used. The Promoter accepts no responsibility for late, misdirected or delayed entries, for any technical hardware or software failures of any kind, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any human error which may occur in the receipt or processing of entries. Further, the Promoter accepts no responsibility for damage to computer systems from downloading any information necessary to participate in the contest. The Promoter reserves the right to terminate or modify the contest at any time if the Reader’s Digest on-line service is no longer available or is compromised by any virus, bugs, or other intervention beyond the Promoter’s control. In either of these events, the prize may be awarded based on entries received prior to date of termination.

15. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any tax liability incurred by a winner or player; or (e) use of a prize.

17. The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 - (www.readersdigest.com.au.)

NSW Permit No. LTPM/12/760, ACT Permit No. TP12/3007

Celebrate Australia

1. This prize scheme is open to residents of Australia aged 18 years or older only and opens April 15, 2013. Entries close at 5pm AEST (online entries) or last mail received (mail entries) on June 31, 2013.

2. The promotional material, information on how to enter and prize details form part of these rules. To be eligible to enter, you must reply in accordance with the conditions specified in this promotion. Employees of the Promoter and members of their immediate families are not eligible to enter. The Promoter cannot accept responsibility for lost, misdirected or delayed entries.

3. The promotional material, information on how to enter and prize details form part of these terms and conditions. To be eligible to enter the competition, you must reply in accordance with the conditions specified in this promotion.

4. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

5. Entrants may submit as many entries as they wish during the promotion.

6. The winner will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 31/06/2013. Promoters’ decisions on all matters pertaining to this competition are final.

7. This is a game of skill and chance plays no part in determining the winners. Each entry will be individually judged and the winners will be determined based on the originality, creativity and/or humour of their entry. To enter, readers must submit a photograph from their personal collection. Readers may either visit www.readersdigest.com.au and fill out the online form to enter or email their response to celebrateaustralia@readersdigest.com.au as an attachment (our preferred dimensions are 300dpi and at least 10cm at its shortest edge). Alternatively, they can mail their printed submission along with their name, address, email and phone number to “Celebrate Australia” PO Box 668 Strawberry Hills, NSW, 2012 . This is not Reply Paid and a stamp will need to be affixed.

8. The ten best valid entries, as determined by the judges in their discretion, will win one Major Prize each comprising of a AU$500 voucher for Discovery Holiday Parks. Redemption subject to the following terms:

• Cannot be used during School Holidays, Public Holidays or Long Weekends

• Must be used in a single booking transaction

• Must be presented upon check-in

• Is not exchangeable for cash

• Cannot be used in conjunction with any other offers

• Does not include meals, sightseeing tours or any other arrangements other than accommodation only

• Is valid until 31st June 2014

9. The total prize value is AU$5000 (inclusive of GST). The prizes are not transferable.

10. The prizes will be delivered at the Promoter’s expense within six to eight weeks of the winners being judged.

11. The prize winners will be notified by email and/or telephone and published in a future issue of Reader’s Digest Magazine.

12. All entries (which shall include the literary works promoted as Celebrate Australia become the property of the Promoter. As a condition of entering into this promotion, each entrant agrees to assign all of their rights, title and interest (including copyright) in and to their entry to the Promoter. Each entrant warrants to the Promoter that each entry submitted is an original literary work of the entrant that does not infringe the rights of any third party. The entrant agrees to indemnify the Promoter against all costs and claims by third parties arising from a breach of this warranty. Entrants consent to any use of their entry which may otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth). Reader’s Digest reserves the right to use entries in all print and electronic media.

13. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, and prize suppliers. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter.

14. The Promoter's decision on all matters pertaining to this promotion is final.

15. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

16. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any tax liability incurred by a winner or entrant; or (e) use of a prize.

17. Entrants wishing to have physical photographs returned will need to include a self addressed stamped envelope with each entry. The promoter will endeavor to return entries with an accompanying self addressed envelope but cannot be held liable for any entries that are damaged, lost or misplaced.

18. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471),

80 Bay Street, Ultimo NSW 2007 in Australia.

Sebo

1. This competition is open only to Australian residents aged 18 years or over.I t commences on 19/03/2013. Entries close at 11:59pm on 18/04/2013.

2. The promotional material, information on how to enter and prize details form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.

5. Incomplete, indecipherable or illegible entries will be deemed invalid.

6. Only one entry permitted per person.

7. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.

8. Promotion commences on 19th March 2013. Entries close 11:59pm (AEDST) on 18th April 2013.

9. The winners will be notified by email.

11. The best valid entry, as determined by the judges in their discretion, will win a Sebo K3 Vulcano vacuum cleaner valued at $679 . Total number of prizes: 1. Total value of giveaway: $679.

13. If a prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification.

14. Prizes are not transferable or exchangeable and cannot be taken as cash.

Without limiting any other terms herein, the entrant agrees to indemnify the Promoter for any breach of the above terms.

18. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used.

22. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471) of 80 Bay Street, Ultimo NSW 2007.

iPad Mini

1. This promotion is open only to Australian residents aged 18 years and over who "like" the Reader’s Digest Australia Facebook page, and have nominated two friends who "like" the Reader’s Digest Facebook page during the promotional period. The promotion opens on 01/04/2013. Entries close at 11:59pm (Sydney time) on 30/04/2013. The prize will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007. The draw will take place on 01/05/2013.

2. The promotional material, information on how to enter and prize details form part of these Terms and Conditions. Employees of the Promoter, WDF Coghlan Limited, and members of their immediate families are not eligible to enter. All eligible entries will have an equal chance to win. The Promoter cannot accept responsibility for lost, misdirected or delayed entries.

3. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights

4. The Promoter will conduct the draw and the winner declared will be final and no correspondence will be entered into.

5. The first eligible entry drawn will win an iPad Mini valued at $369 plus 2 x iTunes vouchers valued at $50 each. Total value of the promotion is $469. Prizes are not transferable or exchangeable or redeemable for cash.

6. The prize winner will be notified by email after the draw and published on our website - www.readersdigest.com.au. The winner will also be announced on the 02/05/2013.

7. Subject to the unclaimed prize draw clause, if for any reason the winner does not take the prize by the time stipulated by the Promoter, then the prize will be forfeited. If the prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification.

8. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter. All entries become the property of the Promoter. The Promoter's decision on all matters pertaining to this promotion is final and no correspondence will be entered into.

9. Limit one (1) entry per person.

10. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used. The Promoter accepts no responsibility for late, non-directed or misdirected e-mail, for any technical hardware or software failures of any kind, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any human error which may occur in the receipt or processing of entries. Further, the Promoter accepts no responsibility for damage to computer systems from downloading any information necessary to participate in the promotion. The Promoter reserves the right to terminate or modify the promotion at any time if the Promoter’s on-line service is no longer available or is compromised by any virus, bugs, or other intervention beyond the Promoter’s control. In either of these events, the prize may be awarded based on entries received prior to date of termination. The Promoter reserves the right in its sole discretion to disqualify any entrant who tampers with the internet entry process or is in any other way responsible for compromising the orderly operation of the promotion. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law (a) to disqualify any entrant; or (b) to modify, suspend, terminate or cancel the promotion, as appropriate.

11. Apple are not participants in or sponsors of this promotion.

12. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia ("Non-Excludable Guarantees"). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

13. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) use of a prize.

The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 -(www.readersdigest.com.au.)

Authorised under NSW Permit No. LTPM/10/ 01003, ACT Permit No TP10/5520.

Trusted Brands $500 Giveaway

1. This prize scheme is open to residents of Australia aged 18 years or older only and opens May 22, 2013. Entries close at 5pm AEST (online entries) on June 20, 2013.

3. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

4. Limit of one entry per person.

5. This is a game of skill and chance plays no part in determining the winners. Each entry will be individually judged and the winners will be determined based on the originality, creativity and/or humour of their entry. To enter, readers must submit an original, unpublished comment in 25 words or less what Trust means to them. Readers will visit www.readersdigest.com.au/trustedbrands where they will be redirected to like us on Facebook and fill out the online form to enter.

6. The best valid entry, as determined by the judges in their discretion, will win one Major Prize comprising of AU$500.

7. The total prize value is AU$500 (inclusive of GST). The prize is not transferable.

8. The prize will be delivered at the Promoter’s expense within six to eight weeks of the winners being judged.

9. The prize winner will be notified by email and published in a future issue of Reader’s Digest Magazine.

10. All entries become the property of the Promoter. As a condition of entering into this promotion, each entrant agrees to assign all of their rights, title and interest (including copyright) in and to their entry to the Promoter. Entrants consent to any use of their entry which may otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth). Reader’s Digest reserves the right to use entries in all print and electronic media.

11. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, and prize suppliers. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter.

12. The Promoter's decision on all matters pertaining to this promotion is final.

13. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

14. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any tax liability incurred by a winner or entrant; or (e) use of a prize.

15. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo NSW 2007 in Australia.

2012 Terms and Conditions

Million Dollar Sweepstakes

2. All prizes are guaranteed to be awarded. Throughout the Sweepstakes, the Promoter will conduct up to 24 ‘double up’ offers. Double up offers will only be sent to selected entrants. If an entrant receives a ‘double up’ offer and responds to the material as directed, in the event that they are drawn as the winner of the prize to which the ‘double up’ offer applies, they will receive double the prize money. The decision to increase any cash prize value and the amount of the increase will be totally at the discretion of the Promoter and will be indicated in the promotional material for the relevant prize draw. If an increased prize value has been advertised to a winning entrant, the Promoter will award that entrant the increased prize value, as advertised. For all other activities a winning entry will receive the stated prize value without the increase. If the Promoter decides to offer an increase in the value of any or all of the cash prizes, the total maximum potential value based on a maximum doubling of prizes would then respectively be increased to $2,000,000. Where the original winner drawn was eligible for the stated prize without the increase but does not claim their prize, only the amount of the prize unclaimed by the original winner drawn, being the stated prize amount without the increase, will be distributed in the unclaimed prize draw in accordance with these rules.

3. Multiple entries are permitted (unless otherwise stated) provided each entry is on an original entry form. No facsimiles or copies permitted. Entries are not transferable. To be eligible, entries must be received by the applicable closing date. Additional deadlines apply to certain prizes including the bonus prizes and, based on postal guidelines, the Promoter allows one week for delivery and one week for return in addition to any deadline stated. In some cases where it will not be necessary to return an entry form in order to participate, specific mention will be made of that fact in the promotional material. All eligible entries will qualify and will have a fair and equal chance to win the prize to which they relate.

4. Cash prizes will be awarded in the form of a cheque or by electronic funds transfer to the winner's nominated bank account. Cash prizes will be paid in the local currency of the winner. Prizes are not transferable.

5. In the final stages, the Promoter will conduct the draws and the winners declared will be final and no further correspondence will be entered into.

6. All times specified in these Sweepstakes rules are Sydney Australian times.

7. All draws will take place at Reader’s Digest, 80 Bay Street, Ultimo, NSW, 2007 at 10:30am. The draws will take place on the following dates:

o Rush For Riches Prize Draw: 05/04/12

o Prestige Payout Prize Draw: 07/07/12

o Magic Gold Rush Prize Draw: 04/10/12

o Big Bounty Prize Draw: 19/12/12

o Super Grand Prize Draw: 10/01/13;

o Appreciation Prize Draw: 10/01/13;

o Thank You Prize Draw (with Preferred Customer Bonus): 10/01/13;

o Chairman’s Reward Prize Draw: 10/01/13.

8. All winners will be notified by mail within 7 days of the relevant draw. Australian winners will be announced in The Australian on the following dates:

o 27/04/12 (Rush For Riches Prize Draw Winner);

o 27/07/12 Prestige Payout Prize Draw Winner);

o 26/10/12(Magic Gold Rush Prize Draw Winner);

o 25/01/13 (Big Bounty Prize Draw Winner, Super Grand Prize Draw Winner, Thank You Prize Draw Winner, Chairman’s Reward Prize Draw Winner and Lucky Number Jackpot Winner).

9. The Promoter may conduct such further draws at the same time and place as the original draws as necessary on 10/04/13 in order to distribute any prize unclaimed by that date subject, however, to any written directions from a regulatory authority. In the event of any Australian winners in the unclaimed prize draw, their names will be published in The Australian on 17/04/13.

10. For the Lucky Number Jackpot, 1000 numbers will be randomly selected before the Sweepstakes commences. Reader’s Digest’s Chief Financial Officer will retain the winning numbers in a security safe while the Sweepstakes is running. After the Sweepstakes closes on 31/12/12, the first winning number on the list will be released to the Prize Award Administrator who will verify that the participant who was issued the winning number has in fact returned it as directed and if so they will be awarded the Lucky Number Jackpot prize. If the first drawn winning number has not been returned, the Lucky Number Jackpot prize will be awarded to the next number from the list of 1000 numbers which has been returned as directed. If none of the 1000 pre drawn numbers have been returned as directed another 1000 numbers will be drawn at Reader’s Digest, 80 Bay Street, Ultimo, NSW, 2007 at 10:30am on 10/01/13 and matched against returned numbers until a winner is found. The first drawn number which matches with a number that has been returned as directed will be declared the winner.

11. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Sweepstakes (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter. The Promoter collects entrants’ personal information in order to conduct the Sweepstakes. If the information requested is not provided, the entrant may not participate in the Sweepstakes. By entering the Sweepstakes, unless otherwise advised, each entrant also agrees that the Promoter may use this information, or disclose it to other organisations that may use it, in any media for future promotional, marketing and publicity purposes without any further reference, payment or other compensation to the entrant, including sending the entrant electronic messages. All personal details of the entrants will be stored at the office of the Promoter. Entrants’ personal information may be disclosed to State and Territory lottery departments and winners’ names published as required under the relevant lottery legislation. As per the relevant Privacy Legislation, a request to access, update or correct any information should be directed to that office.

12. The promotional material, information on how to enter, the Official Prize List and the conditions of entry described in them form part of the Sweepstakes rules.

13. Nothing in these rules limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia and/or New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

14. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these rules; (e) any tax liability incurred by a winner or entrant; or (f) use of a prize.

15. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these rules or who tampers with the entry process. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. Incomplete, indecipherable, inaudible or illegible entries will be deemed invalid.

16. All phone calls are to be made to the phone number specified on the promotional material. Call cost from landline phones will not exceed 55c, however, calls from mobile and pay phones may attract a higher rate. The start time for entry into the Sweepstakes via phone is 12:00am on the start date stated. The close time for entry into the Sweepstakes via phone is 11:59pm on the date stated on the promotional material or if no deadline is stated, by the final closing date.

17. If entry is via a premium SMS mechanic, the SMS number will be specified in the promotional material. The cost of the SMS will be 55c. Entrants must have premium service access. Details of the SMS helpline number will also be included with the promotional material. SMS entries via the Internet will be ineligible. SMS winners will be contacted by SMS and/or phone and the Promoter will record their address details so that the prize may be awarded. Entries are deemed to be received at the time of receipt into the Sweepstakes database and NOT at the time of transmission by the entrant.

18. Online entries close at 11.59pm on the deadline date stated.

19. Limitations on the number of entries permitted include either one (1) entry only permitted per unique email address OR one (1) entry only permitted per household OR one (1) entry only permitted per entry opportunity (if specified) OR one (1) entry per person.

20. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the internet service provider used. The Promoter accepts no responsibility for late, non-directed or misdirected e-mail, for any technical hardware or software failures of any kind, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any human error which may occur in the receipt or processing of entries. Further, the Promoter accepts no responsibility for damage to computer systems from downloading any information necessary to participate in the Sweepstakes. The Promoter (subject to relevant authorities) reserves the right to terminate or modify the Sweepstakes or the on-line portion of the Sweepstakes at any time if the Promoter’s on-line service is no longer available or is compromised by any virus, bugs, or other intervention beyond the Promoter’s control. In either of these events, prizes may be awarded based on electronic entries received prior to date of termination and mail-in entries received as of the closing date. The Promoter reserves the right in its sole discretion to disqualify any entrant who tampers with the internet entry process or is in any other way responsible for compromising the orderly operation of the Sweepstakes via the internet. The use of any automated software or any other mechanical or electronic means that allows an entrant to automatically enter repeatedly is prohibited and will render all entries submitted by that entrant invalid.

21. The Promoter is Reader’s Digest (Australia) Pty Ltd, (ABN 81000565471), 80 Bay Street, Ultimo, NSW Australia. (www.readersdigest.com.au) (www.readersdigest.co.nz). Ph: Aust 1300300162 - NZ 0800540048. Authorised under NSW Permit No. LTPS/11/7818, VIC Permit No. 11/1502, ACT Permit No. TP11/2954, SA Permit No.T11/1505.

Smart Animals

1. Only Australian residents can enter Smart Animals stories. Entries must include a name, address and phone number. Pseudonyms can only be used with permission from the editor. Entries must be true, original and unpublished and can be up to 300 words long.

2. The promotional material, information on how to enter and prize details form part of these terms and conditions. To be eligible to enter the competition, you must reply in accordance with the conditions specified in this promotion. Reader's Digest shall not accept responsibility for lost, misdirected or delayed entries. We cannot return or acknowledge material not accepted for publication.

3. The best entries will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW.

4. The best entries, as determined by the judges, will be published in Reader’s Digest and be paid AUD $50-$100 six weeks after publication.

5. The contributors will be notified of the publication of their entry by email or mail. All submissions become our property on payment and publication in the magazine. We reserve the right to edit and publish submissions online without payment, but will pay for any subsequently used in the magazine.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Power of Good

1. Only Australian residents can enter Power of Good stories. Entries must include a name, address and phone number. Pseudonyms can only be used with permission from the editor. Entries must be true, original and unpublished and can be 100-500 words long.

2. The promotional material, information on how to enter and prize details form part of these terms and conditions. To be eligible to enter the competition, you must reply in accordance with the conditions specified in this promotion. Reader's Digest shall not accept responsibility for lost, misdirected or delayed entries. We cannot return or acknowledge material not accepted for publication.

3. The best entries will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW.

4. The best entries, as determined by the judges, will be published in Reader’s Digest and be paid AUD $50-$150 six weeks after publication.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

My Story

1. Only Australian residents can enter My Story stories. Entries must include a name, address and phone number. Pseudonyms can only be used with permission from the editor. Entries must be true, original and unpublished and can be 800-1000 words long.

2. The promotional material, information on how to enter and prize details form part of these terms and conditions. To be eligible to enter the competition, you must reply in accordance with the conditions specified in this promotion. Reader's Digest shall not accept responsibility for lost, misdirected or delayed entries. We cannot return or acknowledge material not accepted for publication.

3. The best entries will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW.

4. The best entries, as determined by the judges, will be published in Reader’s Digest and be paid AUD $500 six weeks after publication.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Jokes and Anecdotes

1. Only Australian residents can enter anecdotes and jokes. Entries must include a name, address and phone number. Pseudonyms can only be used with permission from the editor.

2. The promotional material, information on how to enter and prize details form part of these terms and conditions. To be eligible to enter the competition, you must reply in accordance with the conditions specified in this promotion. Reader's Digest shall not accept responsibility for lost, misdirected or delayed entries. We cannot return or acknowledge material not accepted for publication.

3. The best entries will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW.

4. The best entries, as determined by the judges, will be published in Reader’s Digest and be paid AUD $50-$100 six weeks after publication.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Monthly Movie Contest

1. This competition is open only to Australian residents aged 18 years and over. It runs throughout 2012 starting on 01/03/2012. Each monthly contest starts at AEST midnight on the first day of the month and ends at AEST 11:59pm on the last day of the month. Winners will be notified at Reader’s Digest 80 Bay St Ultimo NSW 2007 after the contest closes.

3. Entries must be made at www.readersdigest.com.au. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW at the beginning of each month. The best entry, as determined by the judges, will win a Double Movie Pass valued at $50. Total number of prizes: 10. Total value of giveaway: $500.

4. The winners will be notified by email and published on our website – www.readersdigest.com.au. If the prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification.

5. If for any reason a winner does not take the prize within four weeks of the competition closing, the prize will be forfeited.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Monthly Writing Contest

1. This competition is open only to Australian residents aged 18 years and over. It runs throughout 2012 starting on 01/03/2012. Each monthly contest starts at midnight AEST on the first day of the month and ends at 11:59pm AEST on the last day of the month.

3. Entries must be made at www.readersdigest.com.au. The winners will be judged at Reader’s Digest at the beginning of each month. The best entry, as determined by the judges, will win a Book Pack valued at approximately $50. Total number of prizes: 10. Total value of giveaway: approximately $500.

5. If for any reason a winner does not take the prize within four weeks of the competition closing, the prize will be forfeited.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Dream Backyard Pinterest Contest

1. This contest is open to residents of Australia aged 18 or over only, commencing 03/12/2012. All entries must be received no later than 11:59pm AEDST on 31/01/2013.

3. Multiple entries permitted, however, each entry must be substantially unique and submitted separately in accordance with entry requirements.

4. The winners will be selected at the offices of Reader’s Digest/Handyman, 80 Bay St, Ultimo NSW, on or about 01/02/2013.

5. To be eligible to win, entrants must follow the Handyman Pinterest page (http://pinterest.com/diyhandyman/), create a board of their ‘Dream Summer Backyard’ using at least 10 images, 3 of which must be from the Handyman website (handyman.net.au). The board link and description must then be submitted on the entry form at handyman.net.au.

6. This is a game of skill and chance plays no part in determining the winners. Each entry will be individually judged based on the originality and creative merit of the Pinterest page created.

7. The best two valid entries, as determined by the judges, will receive either a Trojan Tools Prize Pack valued at $200 or $200 worth of Bunnings Vouchers.

8. The prizewinners will be notified by email. If the promoter does not receive confirmation of acceptance of the prize within 7 days, the contest will be rejudged and new winner(s) announced.

11.When an entrant submits any materials via the contest (“Content”), the entrant, unless the Promoter advises otherwise, licenses and grants the Promoter, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such Content for any purpose in any media, without compensation, restriction on use, attribution or liability. Entrants agree not to assert any moral rights in relation to such use and warrant that they have the full authority to grant these rights.

Without limiting any other terms herein, the entrant agrees to indemnify the Promoter for any breach of the above terms.

12.Promoter’s decisions on all matters pertaining to this contest are final and no correspondence will be entered into.

15.The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Quartet

1. This competition is open to Australian residents only, commencing 03/12/2012. All entries must be received no later than 19/12/2012.

3. The winners will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 20/12/2012.

4. The best 25 entries, as determined by the judges, will win a double in-season pass to see 'Quartet' the movie, valued at $36. Total Number of prizes: 20. Total value of giveaway: AUD$720.

5. The prizewinner will be notified by mail.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Quizmas 2012

1. This promotion is open only to Australian residents aged 18 years and over.

2. The promotion opens on 03/12/2012. Final entries close at 11:59pm (Sydney time) on 14/12/2012. The prizes will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007. A prize draw will be conducted for each day of the promotional period. Entries into each daily draw close at 11.59pm AEDST (Sydney time) each day of the promotion. Two prize draws will be conducted at 10.30am on:

• 11/12/2012 (seven draws - one for the entries received each day from 03/12/2012 to 9/12/2012); and

• 18/12/2012 (five draws - one for the entries received each day from 10/12/2012 to 14/12/2012).

3. To enter each daily draw individuals must correctly answer the daily puzzle found at www.readersdigest.com.au by 11:59pm (Sydney time) for that day of the promotional period.

4. Limit one (1) entry per person per day.

5. As a condition of entering into this promotion, each entrant licences the Promoter to use their entry (including any literary work) in any media for an unlimited period for any reason including but not limited to future promotional, marketing or publicity purposes. Each entrant warrants to the Promoter that each entry submitted is an original literary work of the entrant that does not infringe the rights of any third party. The entrant agrees to indemnify the Promoter against all costs and claims by third parties arising from a breach of this warranty. Entrants consent to any use of their entry which may otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth).

6. The promotional material, information on how to enter and prize details form part of these Terms and Conditions. Employees of Reader's Digest and members of their immediate families are not eligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin. Reader's Digest will not accept responsibility for lost, misdirected or delayed entries.

7. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

8. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.

9. Reader’s Digest will conduct the draw and the winners declared will be final (subject to verification by the Promoter) and no correspondence will be entered into.

10. The first valid entry drawn in each draw will win the prize nominated in the table below (correlating to the date of entry receipt by the Promoter). For the sake of clarity, the “date” column in the table below is representative of the date on which an individual must enter to be eligible to win the nominated prize. The daily prizes and values are as follows:

Date (i.e. entry period)	Prize	Value
03/12/2012	iPod Nano	$169
04/12/2012	Reader's Digest cookbooks (pack of 4)	$200
05/12/2012	Sunbeam Café Crema EM4820	$172
06/12/2012	Samsung Digital Camera 16mp EC-DV300FBPUAU	$159
07/12/2012	Apple TV	$109
08/12/2012	Movie gift card (Event Cinemas)	$100
09/12/2012	Breville Waffle Maker WM800B	$60
10/12/2012	Panda Docking Speaker for iPhone	$70
11/12/2012	Kindle Wi-Fi 6" e-Reader	$119
12/12/2012	Sunbeam Mixmaster® Series II MX7700	$160
13/12/2012	Virgin Asutralia gift card	$200
14/12/2012	Lenox DVD Player/HD Set Top Box Combo	$55
	Total prize pool value	$1,573

11. Each prize winner will be notified by email after each draw and published on the Promoter’s website - www.readersdigest.com.au.

12. Any ancillary costs associated with redeeming any voucher/gift card/movie card are not included. Any unused balance of any voucher/gift card/movie card will not be awarded as cash. Redemption of all vouchers/gift cards/movie cards is subject to any terms and conditions of the issuer including those specified on the voucher/gift card/movie card.

13. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting the promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.

14. ‘iPod’ is a trademark of Apple Inc. Apple Inc. is not a participant in or sponsor of this promotion.

15. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize by the time stipulated by the Promoter, then the prize will be forfeited. If any prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification.

16. The Promoter may conduct such further draws at the same time and place as the original draws as is necessary on 17/03/2013 in order to distribute the prizes, if any remain unclaimed by that date.

17. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter. All entries become the property of the Promoter. The Promoter's decision on all matters pertaining to this promotion is final and no correspondence will be entered into.

18. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used. To the extent permitted by law, the Promoter accepts no responsibility for late, non-directed, misdirected or delayed entries, for any technical hardware or software failures of any kind, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any human error which may occur in the receipt or processing of entries. Further, the Promoter accepts no responsibility for damage to computer systems from downloading any information necessary to participate in the promotion. The Promoter reserves the right to terminate, suspend or modify the promotion at any time if the Reader’s Digest on-line service is no longer available or is compromised by any virus, bugs, or other intervention beyond the Promoter’s control. In either of these events, prizes may be awarded based on entries received prior to date of termination.

19. The Promoter reserves the right in its sole discretion to disqualify any entrant who tampers with the internet entry process or is in any other way responsible for compromising the orderly operation of the promotion. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law (a) to disqualify any entrant; or (b) to modify, suspend, terminate or cancel the promotion, as appropriate.

20. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

21. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) use of a prize.

22. The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 -(www.readersdigest.com.au)

Authorised under NSW Permit No. LTPM/11/0617 ACT Permit No. TP11/2957

Christmas Gift Giveaway

1. The promotional material, information on how to enter and prize details form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.

2. Entry is only open to Australian residents aged 18 years or over.

5. Incomplete, indecipherable or illegible entries will be deemed invalid.

6. Only one entry permitted per person.

7. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.

8. Promotion commences on 21st November 2012 in both Australia. Entries close at 11:59pm (AEDST as applicable) for online entries and last mail received for mail entries on 24th December 2012.

9. The winners will be notified by email.

11. The Promoter’s decision is final and no correspondence will be entered into.

12. The best valid entry, as determined by the judges in their discretion, will win the prize relating to that entry.

Prizes are:

• Ahava Cosmetics hamper valued at $220. Three to be won

• Akubra Hat valued at $150. Two to be won

• Chrisco Hampers – Pantry Filler, Assorted Biscuits and Choice, valued at $566.80

• DriveAway Holidays Gift Voucher to the value of $250

• Karcher K 2.360 High Pressure Cleaner valued at $249

• Madman Classic Crime Collection DVDs valued at $204.50

• Masterpet Cat Treats 25 packs/year’s supplyvalued at $124.75. Two to be won

• Masterpet Dog Treats 25 packs/year’s supplyvalued at $350. Two to be won

• PAW by Blackmores Hamper valued at $150.Five to be won

• Plunkett skin care hamper valued at $195.10.Five to be won

• Ryobi ONE+ 4-piece Lifestyle Kit valued at $299

• Transmission Films DVD Box Set edition of Howzat! Kerry Packer’s War valued at $59.95

• Tumbleweed recycling pack valued at $215. Five to be won

13. If for any reason a winner does not redeem a prize (or an element of a prize) by the time stipulated by the Promoter, then the prize (or that element of the prize) will be forfeited.

14. If any prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification.

15. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash.

16. When an entrant submits any materials via the promotion including comments, recordings and images (“Content”), the entrant, unless the Promoter advises otherwise, licenses and grants the Promoter, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such Content for any purpose in any media, without compensation, restriction on use, attribution or liability. Entrants agree not to assert any moral rights in relation to such use and warrant that they have the full authority to grant these rights.

Without limiting any other terms herein, the entrant agrees to indemnify the Promoter for any breach of the above terms.

17. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.

18. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law (a) to disqualify any entrant; or (b) to modify, suspend, terminate or cancel the promotion, as appropriate.

19. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used.

20. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia or in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

22. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers and prize suppliers. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter. All entries become the property of the Promoter.

23. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.

24. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471) of 80 Bay Street, Ultimo NSW 2007.

Handyman refer-a-friend contest

1. This promotion is open only to Australian/New Zealand residents aged 18 years and over who "like" the Handyman Facebook page, and have nominated a friend who "like" the Handyman Facebook page during the promotional period. These details must be completed on the entry form found on the Handyman Facebook page. The promotion opens on 01/11/2012. Entries close at 11:59pm (Sydney time) on 30/11/2012. The prize will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007. The draw will take place on 01/12/2012.

4. The Promoter will conduct the draw and the winner declared will be final and no correspondence will be entered into.

5. The first eligible entry drawn will win a $400 Bunnings voucher and a $200 Bunnings voucher for the referred friend. Prizes are not transferable or exchangeable or redeemable for cash.

6. The prize winner will be notified by email after the draw and published on our website - www.readersdigest.com.au.

8. The Promoter may conduct such further draws at the same time and place as the original draw as is necessary on 07/12/2012 in order to distribute the prize, if it remains unclaimed by that date.

9. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter. All entries become the property of the Promoter. The Promoter's decision on all matters pertaining to this promotion is final and no correspondence will be entered into.

10. Limit one (1) entry per person.

11. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used. The Promoter accepts no responsibility for late, non-directed or misdirected e-mail, for any technical hardware or software failures of any kind, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any human error which may occur in the receipt or processing of entries. Further, the Promoter accepts no responsibility for damage to computer systems from downloading any information necessary to participate in the promotion. The Promoter reserves the right to terminate or modify the promotion at any time if the Promoter’s on-line service is no longer available or is compromised by any virus, bugs, or other intervention beyond the Promoter’s control. In either of these events, the prize may be awarded based on entries received prior to date of termination. The Promoter reserves the right in its sole discretion to disqualify any entrant who tampers with the internet entry process or is in any other way responsible for compromising the orderly operation of the promotion. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law (a) to disqualify any entrant; or (b) to modify, suspend, terminate or cancel the promotion, as appropriate.

The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 -(www.readersdigest.com.au.)

Authorised under NSW Permit No. LTPM/10/ 01003, ACT Permit No TP10/5520.

Trusted Brands

1. The promotional material, information on how to enter and prize details form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.

2. Entry is only open to Australian residents aged 18 years or over who are employed in Australian media agencies.

5. Incomplete, indecipherable or illegible entries will be deemed invalid.

6. Only one entry permitted per person.

7. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.

8. Promotion commences on the 1st of each month. Entries close 11:59pm (AEDST) at the end of each month.

9. The winner/s will be notified by email.

10. This is a game of skill and chance plays no part in determining the winner. Each entry will be individually judged based on literary and creative merit of the answer provided to the promotional question.

11. The Promoter’s decision is final and no correspondence will be entered into.

12. The best valid entry, as determined by the judges in their discretion, will win the prize allocated to that month.

13. If for any reason a winner does not redeem the prize by the time stipulated by the Promoter, then the prize will be forfeited.

14. If the prize (or part of the prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification.

15. Prize, or any unused portion of the prize, is not transferable or exchangeable and cannot be taken as cash.

Without limiting any other terms herein, the entrant agrees to indemnify the Promoter for any breach of the above terms.

19. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used.

23. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471) of 80 Bay Street, Ultimo NSW 2007

Christmas Challenge

1. This contest is open only to Australian residents aged 18 years or over. The contest opens on 01/11/2012. Entries close at 11:59pm (Sydney time) on 30/11/2012.

3. Players must register for the Christmas Challenge at www.readersdigest.com.au. To be eligible for the prize draw, players must find all 28 animals hidden within the Reader’s Digest website before 30/11/2012.

4. Limit one (1) entry per person and one (1) registration per email address.

5. The prize will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007. The draw will take place on 04/12/2012 at 10:30am.

6. The first eligible entry drawn will win a Samsung Galaxy SIII mobile phone valued at $697. Total value of the promotion is $697.

7. The winner will be notified by email and published on the Promoter’s website -www.readersdigest.com.au.

8. Subject to the unclaimed prize draw clause, if for any reason the winner does not take the prize within three months, then the prize will be forfeited. The Promoter may conduct such further draws at the same time and place as the original draw as is necessary on 04/03/2013 in order to distribute the prize.

9. If the prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification. Prize is not transferable or exchangeable or redeemable for cash.

17. The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 - (www.readersdigest.com.au.)

Authorised under NSW Permit No. LTPM/11/0617 ACT Permit No. TP11/2957

7 Sopranos

1. This competition is open to Australian residents aged 18 years or over. It commences 28/09/2012. Entries close at 11:59pm (Sydney time) on 11/11/2012. The winner will be declared at Reader’s Digest, 80 Bay St Ultimo NSW on or about 13/11/2012.

2. To enter individuals must complete the form found at www.readersdigest.com.au.

3. The promotional material, information on how to enter and prize details form part of these rules. You must reply in accordance with the conditions specified in this promotion. Employees of Reader's Digest and members of their immediate families are not eligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.

4. The winner will be determined based on their answer to the skill-based question. Each entry will be judged according to literary and creative merit of the answer provided to the promotional question. There will be one (1) winner declared. The winner will receive two concert tickets to the 7 Sopranos Christmas Concert in Sydney on 30/11/2012, two return flights to and from their nearest capital city and one night’s accommodation at the Sofitel Sydney Wentworth Hotel, including two-course dinner and full breakfast. The winner must make their own way to and from the airport and venue (transport and personal incidental expenses are not included in the prize). Concert tickets, flights and accommodation to be organised by the promoter. Total number of prizes: 1. Prizes are not transferable or exchangeable; nor are they redeemable for cash or alternative concert times or dates.

5. The provisional prize winner will receive a Reader’s Digest official notification email and telephone call. The provisional prize winner will need to respond to their Reader’s Digest official notification email within 48 hours to claim their prize. In the event that the provisional winner does not respond to their Reader’s Digest official notification email within 48 hours, he/she will forfeit any right to the prize and the next best entry, as determined by the judges, will become the next provisional prize winner. The winner will be published on our website at www.readersdigest.com.au/winners

6. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting the promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter. The promoter's decision on all matters pertaining to this promotion is final and no correspondence will be entered into.

7. The promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process or is in any other way responsible for compromising the orderly operation of the promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

8. Incomplete, indecipherable or illegible entries will be deemed invalid.

9. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.

10. Limit of one (1) entry per person. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used. The promoter accepts no responsibility for late, non-directed, misdirected or delayed entries/e-mails, for any technical hardware or software failures of any kind, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any human error which may occur in the receipt or processing of entries. Further, the promoter accepts no responsibility for damage to computer systems from downloading any information necessary to participate in the promotion. The promoter reserves the right to terminate or modify the promotion at any time if the Reader’s Digest on-line service is no longer available or is compromised by any virus, bugs, or other intervention beyond the promoter’s control. In either of these events, prizes may be awarded based on entries received prior to date of termination. The Rod Stewart concert is subject to the event venue and ticket terms and conditions, including any applicable age restriction. The promoter and event organizers hereby expressly reserve the right to eject any winner (and/or his/her companion) for any inappropriate behaviour, including but not limited to intoxication, whilst participating in the prize.

11. All entries are deemed to be received at the time of receipt into the promotion database and NOT at the time of transmission by the entrant.

12. The use of any automated entry software or any other mechanical or electronic means that allows an entrant to automatically enter a promotion repeatedly is prohibited and will render all entries submitted by that entrant invalid.

13. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

14. If for any reason the prize winner does not take the prize at the time/dates stipulated by the promoter, then the prize will be forfeited.

15. As a condition of entering into this promotion, each entrant licences the promoter to use their entry (including the literary work) in any media for an unlimited period for any reason including but not limited to future promotional, marketing or publicity purposes. Each entrant warrants to the promoter that each entry submitted is an original literary work of the entrant that does not infringe the rights of any third party. The entrant agrees to indemnify the promoter against all costs and claims by third parties arising from a breach of this warranty. Entrants consent to any use of their entry which may otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth).

16. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) use of a prize.

18. The promoter is Reader’s Digest (Australia) Pty Ltd, (ABN 81000565471), 80 Bay Street, Ultimo, NSW 2007 Australia. (www.readersdigest.com.au) (www.readersdigest.co.nz). Ph: Aust 1300300162 - NZ 0800540048.

Pet Photo Contest

1. This competition is open only to Australian residents aged 18 years or over. It commences on 26/09/2012. Entries close at 11:59pm on 23/10/2012.

2. Entrants must submit a photo of their pet accompanied by a short photo caption via the entry form found at www.readersdigest.com.au or www.facebook.com/ReadersDigestAustralia. Photos will be judged on originality and artistic and aesthetic merit. Limit one entry per person per week.

3. There will be four weekly rounds. Entries for each round will be open from Wednesday until Tuesday. Approximately five finalists will be selected for each round and posted to a Facebook photo album for a public vote on Friday. The winner for each round will be the photo that has the most votes at 12pm midday on Monday. Dates specified below.

Week	Entries open	Entries close	Voting starts	Winner announced
1	Wed 26/09	Tues 02/10	Fri 05/10	12pm Mon 08/10
2	Wed 03/10	Tues 09/10	Fri 12/10	12pm Mon 15/10
3	Wed 10/10	Tues 16/10	Fri 19/10	12pm Mon 22/10
4	Wed 17/10	Tues 23/10	Fri 26/10	12pm Mon 29/10

4. The finalists will be selected at Reader’s Digest, 80 Bay St Ultimo NSW and contacted by email. In the event of a tie in votes, the Promoter will determine the winner.

6. The winner of each weekly round will receive a Target gift voucher to the value of $100. Total value of the promotion is $400. The Prize is not transferable or exchangeable or redeemable for cash. If the prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification.

10. If for any reason the winner does not take the prize by the time stipulated by the Promoter, then the prize will be forfeited. If the prize remains unclaimed three weeks after the winner has been notififed, the Promoter may name the next-placed finalist as the winner in order to distribute the prize.

The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 – www.readersdigest.com.au

Wuthering Heights

1. This competition is open to Australian residents only, commencing 06/09/2012. All entries must be received no later than 07/10/2012.

3. The winners will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 08/10/2012.

4. The best 20 entries, as determined by the judges, will win a double pass to see ‘Wuthering Heights’ the movie, valued at $36. Total Number of prizes: 20. Total value of giveaway: AUD$720.

5. The prizewinners will be notified by mail and posted on www.readersdigest.com.au.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Russian Film Festival

1. This competition is open to residents of Australia only, commencing 30/8/2012. All entries must be received no later than 2/9/2012 for Sydney, Melbourne and Brisbane, and no later than 7/9/2012 for Perth and Canberra.

3. The winners will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 3/9/2012 for Sydney, Melbourne and Brisbane, and on or about 8/9/2012 for Perth and Canberra

4. The best 20 entries, as determined by the judges, will receive double passes to the Russian Restoration Film Festival.

5. The prizewinner will be notified by email. If Reader’s Digest does not receive confirmation of acceptance of the prize within 2 days, the competition will be rejudged and a new winner announced.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

River Cruise

* Entry is free and open to Australian Citizens aged 18 years and over. Employees of Evergreen Tours, Scenic Tours, Readers Digest and their immediate families are not eligible to enter. Entries must be submitted via the online entry form provided by Readers Digest This promotion is being conducted by Scenic Tours ACN 85 002 715 602 T/A Evergreen Tours ("the Promoter") of Level 1, 11 Brown St, Newcastle, NSW, 2300 and runs from 22 August 2012 and 31st October 2012. There is one prize which will be awarded to the most creative entry. The Promoter will appoint a panel of judges to evaluate Eligible Entrants' entries. Entries will be judged on the creativity of answers given. The decision of the judges is final and no correspondence will be entered into. This is a game of skill and chance plays no part in determining the winner. Prize consists 1 x French Balcony Stateroom sailing on 15 Day Amsterdam to Budapest or vicer versa on the 27th April or 3rd August 2013 sailing. The cabin will be awarded subject to availability. Total tour prize value $15580 based on a C category stateroom. Evergreen Tours will not be responsible for any additional or incurred costs while winner is travelling. Winner is responsible for any associated costs in getting to and from the departure port. Entries close at 5pm EDST 31st October 2012. One (1) entry will be selected at 5.00pm on 30th November 2012, from all entries. Travel blackout periods may apply for the travel prize. The prize is strictly NON-TRANSFERABLE & non-negotiable, & may not be replaced or refunded. Entrants can only enter the competition once. Prize-winner will be notified by Evergreen Tours at 5.00pm on 7th December 2012. The winner will be contacted by either mail or email. They will be notified by mail and/or email not later than one week following the prize draw. Results will not be published. This promotion does not involve a round in which players are eliminated. Prize letter & prize will be delivered to prize-winner within one month of the winner being decided.

To the extent permitted by law, the Promoter is not responsible or liable for:

(i) inaccurate / incorrect transcription of entry information;

(ii) purported entries that are not received for any reason, including because they are lost, misdirected or stolen, or that are received, but are late, illegible, incomplete, sent with insufficient postage (where entry is by post), or sent other than as directed in the entry instructions;

(iii) any problems or technical failures of any kind, including malfunction of any telephone network or lines, computer online systems or network, servers or providers, computer equipment, or software;

(iv) the unavailability or inaccessibility of any service whether or not caused by traffic congestion on the Internet or at any Website;

(v) unauthorised human intervention in any part of the competition;

(vi) electronic or human error which may occur in the administration of the competition;

(vii) any loss suffered or sustained, to person or property and including, but not limited to, consequential (including economic) loss by reason of any act or omission, deliberate or negligent, by the Promoter, or its servants or agents, in connection with the arrangement for supply, or the supply, of any goods or services by any person to a prize winner and, where applicable, to any family/persons accompanying a winner; or

(viii) any injury or damage to persons or property, including to the participant's or any other person's computer related to, or resulting from, participation or downloading any materials in this competition;

(ix) In the case of the intervention of any outside act, agent or event which prevents or significantly hinders the Promoter's ability to proceed with the competition on the dates and in the manner described in these terms and conditions, including but not limited to vandalism, power failures, tempests, natural disasters, acts of God, civil unrest, strike, war, act of terrorism, the Promoter may in its absolute discretion cancel the competition and recommence it from the start on the same conditions.

The prizewinner, and his or her guests (if any), must sign and return any liability release and indemnity provided by the Promoter and/or its contractors as a condition of a prize being awarded. Failure to return the signed releases and indemnities will result in the entitlement to the prize being forfeited and the selection of another winner.

This condition does not affect, and is not intended to affect, any rights a consumer might have, which cannot be excluded under applicable consumer protection laws. To the fullest extent permitted by law, any liability of the Promoter or its servant or agents for breach of any such rights is limited to the payment of the cost of having the prize supplied again.

The personal information of entrants will be collected to enable the Promoter to administer and promote this competition and its winners and may be used to market its services to the entrant. The personal information of the entrants will be held and used in accordance with the Promoter's privacy policy which is available from the Promoter. The personal information of winners may be provided to others assisting, including prize suppliers and deliverers, and to authorities that regulate this competition. If an entrant does not truthfully provide all requested personal information, the Promoter may determine that they are not eligible to win the prize.

Entry forms remain the property of Evergreen Tours (a division of Scenic Tours Pty Ltd) Travel Lic No. 2TA002633.

(x)Competition entrant details will be shared with the prize provider for the purpose of supplying special offers.

Guessing Game

1. This contest is open only to Australian residents aged 18 years or over. The contest runs every second month, opening on the first day of the month. Entries close at 11:59pm (Sydney time) on the last day of the month.

3. The photo represents an actual jar, the contents of which has been counted for the purpose of this promotional activity.

4. Limit one (1) entry per person.

5. The person who is first to guess the correct amount during the promotional period will be the winner. In the event that no one guesses the correct amount, the first person to submit the closest guess will be the winner.

6. The winner will be notified by email and published on the Promoter’s website - www.readersdigest.com.au. The winner declared will be final and no correspondence will be entered into.

7. The winner will receive a $100 gift card to the store specified in the promotion. Total value of each promotion: $100.

8. Subject to the unclaimed prize draw clause, if for any reason the winner does not take the prize within two weeks of their notification email, then the prize will be forfeited.

17. The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 - (www.readersdigest.com.au.)

Authorised under NSW Permit No. LTPM/11/0617 ACT Permit No. TP11/2957

Caption of the Month

1. This competition is open to Australian residents only, commencing 22/02/2012. All entries must be received no later than 20/03/2012 5:00 pm – AEST.

3. The winner will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 21/03/2012.

4. The best entry, as determined by the judges, will win an EcoSmart Solar heat pump with installation worth AUD $4500. Total Number of prizes: 1. Total value of giveaway: AUD $4500.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Paid Observer

1. Information on how to enter (including the promotional materials) and the prize forms part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.

2. Entry is only open to Australian and New Zealand residents aged 18 years or over.

4. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

5. Multiple entries permitted, however, only one entry permitted per valid purchase.

6. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.

7. Promotion commences 15/06/12. Entries close at 11:59pm AEDST on 31/12/12. The draw will take place at the Promoter’s office on 03/01/13 at 10:30am.

8. The winner will be notified in writing and if the winner is from Australia their name will also be published in The Australian on 07/01/13.

9. The Promoter’s decision is final and no correspondence will be entered into.

10. The first valid entry drawn will win the choice of either $2,000 cash (“the Cash Prize”) or a trip for one person to Sydney to watch the Reader’s Digest Sweepstakes draws (“the Travel Prize”).

The trip to Sydney is valued at up to AU$2,000 depending on the winner’s point of departure. This Travel Prize includes one night accommodation in a hotel in Sydney, selected meals and $1,000 cash. If the winner is not from New South Wales, the Travel Prize also includes return economy airfares from the winner's nearest capital city (or from the nearest major airport, if the winner is from New Zealand) and return airport transfers in Sydney. If the winner is from New South Wales, then the Travel Prize does not include airfares or transfers and the airfare/transfer components of the Travel Prize are not redeemable for cash. Additional spending money, additional meals, insurance, transport to and from departure point, additional transfers, items of a personal nature, in-room charges and all other ancillary costs are not included. Subject to booking and flight availability, the winner must depart on 09/01/13 and return home on 10/01/13 (in order for the trip to coincide with the Reader’s Digest Sweepstakes draws).

11. Frequent flyer points will not form part of the Travel Prize. The Travel Prize is subject to the standard terms and conditions of individual prize and service providers. The winner may be required to present their credit card at time of accommodation check in.

12. In the event that the winner opts to take the Travel Prize and, for some reason, does not take the Travel Prize when required, the Travel Prize will be forfeited and the Cash Prize (or any other prize) will not be awarded in lieu.

13. If the Travel Prize (or part of the Travel Prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the Travel Prize (or that part of the Travel Prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.

14. Prizes, or any unused portion of a prize, are not transferable or exchangeable.

15. The original winner must come forward no later than 5pm on 08/01/13 if they wish to take the Travel Prize. In the event that the original winner does not come forward before this time, they will no longer be eligible to take the Travel Prize (and will be required to take the Cash Prize). In the event that the original winner still has not come forward by 04/04/13, an unclaimed prize draw will take place at the same time and place as the original draw, subject to any directions from a regulatory authority. The winner will be notified in writing and their name will be published in The Australian on 10/04/13. The winner of any unclaimed prize draw will receive the Cash Prize.

17. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate.

18. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

19. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking of the prize.

20. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to opt out, access, update or correct information to the Promoter. All entries become the property of the Promoter.

21. The Promoter is Reader’s Digest (Australia) Pty Ltd (ABN 81 000 565 471) of 80 Bay Street, Ultimo NSW, telephone 1300 300 162.

NSW LTPS/12/2912 and ACT TP12/1311.

Samsung Camcorder

1. This competition is open to (Australian/New Zealand) residents only, commencing 28/09/2012. All entries must be received no later than 17/12/2012 5:00 pm – AEST.

3. The winners will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 19/12/2012.

4. The best entries, as determined by the judges, will win a Samsung HD Camcorder, worth AUD429. Total Number of prizes: 1. Total value of giveaway: AUD429.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

100 Word Story

1. This prize scheme is open to residents of Australia aged 18 years or older only and opens August 15, 2012. Entries close at 5pm AEST (online entries) or last mail received (mail entries) on November 30, 2012.

3. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

4. Limit of one entry per person.

5. This is a game of skill and chance plays no part in determining the winners. Each entry will be individually judged and the winners will be determined based on the originality, creativity and/or humour of their entry. To enter, readers must submit an original, unpublished story exactly 100 words long. Readers may either visit www.readersdigest.com.au and fill out the online form to enter, email their response to 100wordstory@readersdigest.com.au or mail their written submission along with their name, address, email and phone number to “100 Word Story” GPO Box 4353, Sydney NSW 2001.

6. The best valid entry, as determined by the judges in their discretion, will win one Major Prize comprising of AU$1000.

7. The subsequent two best valid entries, as determined by the judges in their discretion, will each win one Runner-Up Prize. Each Runner-Up Prize comprises AU$250.

8. The total prize value is AU$1500 (inclusive of GST). The prizes are not transferable.

9. The prizes will be delivered at the Promoter’s expense within six to eight weeks of the winners being judged.

10. The prize winners will be notified by email and published in a future issue of Reader’s Digest Magazine.

11. All entries (which shall include the literary works promoted as 100 Word Story become the property of the Promoter. As a condition of entering into this promotion, each entrant agrees to assign all of their rights, title and interest (including copyright) in and to their entry to the Promoter. Each entrant warrants to the Promoter that each entry submitted is an original literary work of the entrant that does not infringe the rights of any third party. The entrant agrees to indemnify the Promoter against all costs and claims by third parties arising from a breach of this warranty. Entrants consent to any use of their entry which may otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth). Reader’s Digest reserves the right to use entries in all print and electronic media.

12. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, and prize suppliers. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter.

13. The Promoter's decision on all matters pertaining to this promotion is final.

15. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any tax liability incurred by a winner or entrant; or (e) use of a prize.

16. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo NSW 2007 in Australia.

Father’s Day Hamper

1. This competition is open to Australian residents only, commencing 14/08/2012. All entries must be received no later than 26/08/2012.

3. The winners will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 27/08/2012.

4. The four best entries, as determined by the judges, will win one of fours hampers from Edible Blooms and Greenthumb Gifts, valued at $39, $75, $85 and $89 respectively. Total Number of prizes: 4. Total value of giveaway: AUD$288.

5. The prizewinners will be notified by mail and posted on www.readersdigest.com.au.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Hotel Transylvania

1. This competition is open to Australian residents only, commencing 10/08/2012. All entries must be received no later than 13/09/2012.

3. The winners will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 14/09/2012.

4. The best 25 entries, as determined by the judges, will win a family pass (i.e. 4 tickets) to see ‘Hotel Transylvania’ the movie, valued at $72. Total Number of prizes: 25. Total value of giveaway: AUD$1800.

5. The prizewinners will be notified by mail and posted on www.readersdigest.com.au.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

World Around You Photo Contest

1. This competition is open only to Australian residents aged 18 years or over. It commences on 25/07/2012. Entries close at 11:59pm on 22/08/2012.

2. Entrants must submit a photo of something that inspires them or makes them happy via the entry form found at www.readersdigest.com.au or www.facebook.com/ReadersDigestAustralia. Photos will be judged on originality, artistic merit and how well they fit the theme.

3. Five finalist photos will be selected at Reader’s Digest, 80 Bay St Ultimo NSW after entries have closed. These photos will be posted to the Reader’s Digest Australia Facebook page for a public vote on 24/08/2012. The finalists will be contacted by email.

4. The winner will be the finalist who receives the highest number of votes by 12pm on 31/08/2012. In the event of a tie in votes, the Promoter will determine the winner.

6. The winner will receive a Sunbeam Café Crema II valued at $229. Total value of the promotion is $229. The Prize is not transferable or exchangeable or redeemable for cash. If the prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification.

10. If for any reason the winner does not take the prize by the time stipulated by the Promoter, then the prize will be forfeited. If the prize remains unclaimed by 21/09/2012, the Promoter may name the next-placed finalist as the winner in order to distribute the prize.

The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 – www.readersdigest.com.au

Tools for Dad

1. The promotional material, information on how to enter and prize

details form part of these Terms and Conditions. Participation in this

promotion is deemed acceptance of these Terms and Conditions.

2. Entry is only open to Australian residents aged 18 years or over.

3. Employees (and their immediate families) of the Promoter and

agencies associated with this promotion are ineligible to enter.

Immediate family means any of the following: spouse, ex-spouse, defacto

spouse, child or step-child (whether natural or by adoption),

parent, step-parent, grandparent, step-grandparent, uncle, aunt,

niece, nephew, brother, sister, step-brother, step-sister or first

cousin.

4. The Promoter reserves the right, at any time, to verify the validity of

entries and entrants (including an entrant’s identity, age and place of

residence) and to disqualify any entrant who submits an entry that is

not in accordance with these Terms and Conditions or who tampers

with the entry process. Errors and omissions will be accepted at the

Promoter's discretion. Failure by the Promoter to enforce any of its

rights at any stage does not constitute a waiver of those rights.

5. Incomplete, indecipherable or illegible entries will be deemed invalid.

6. Only one entry permitted per person.

7. If there is a dispute as to the identity of an entrant, the Promoter

reserves the right, in its sole discretion, to determine the identity of

the entrant.

8. Promotion commences on July 25, 2012. Entries close 1700 AEST or

last mail received on August 28, 2012.

9. The winner will be notified by telephone and email, and published in

the November issue of Handyman, on sale October 31, 2012.

10. This is a game of skill and chance plays no part in determining the

winner. Each entry will be individually judged based on literary and

creative merit of the answer provided to the promotional question.

11. The Promoter’s decision is final and no correspondence will be entered

into.

12. The best valid entry, as determined by the judges, will win a collection

of DIY tools, supplies and accessories. The prize is valued at $2283.20

in total. The DIY tools, supplies and accessories will be selected by the

Promoter in its absolute discretion.

13. If for any reason the winner does not redeem the prize by the time

stipulated by the Promoter, then the prize will be forfeited.

14. If the prize (or part of the prize) is unavailable, the Promoter, in its

discretion, reserves the right to substitute the prize (or that part of the

prize) with a prize to the equal value and/or specification.

15. The prize, or any unused portion of the prize, is not transferable or

exchangeable and cannot be taken as cash.

16. Entrants consent to the Promoter using their name, likeness, image

and/or voice in the event they are a winner (including photograph, film

and/or recording of the same) in any media for an unlimited period

without remuneration for the purpose of promoting this promotion

(including any outcome), and promoting any products manufactured,

distributed and/or supplied by the Promoter.

17. As a condition of entering this promotion, each entrant licences the

Promoter to use their entry in any media for an unlimited period for

any reason including but not limited to future promotional, marketing

or publicity purposes. Each entrant warrants to the Promoter that each

entry submitted is an original literary work of the entrant that does not

infringe the rights of any third party. Entrants agree to indemnify the

Promoter against all costs and claims by third parties arising from a

breach of this warranty. Entrants consent to any use of their entry

which may otherwise infringe their moral rights pursuant to the

18. If this promotion is interfered with in any way or is not capable of

being conducted as reasonably anticipated due to any reason beyond

the reasonable control of the Promoter, including but not limited to

technical difficulties, unauthorised intervention or fraud, the Promoter

reserves the right, in its sole discretion, to the fullest extent permitted

by law (a) to disqualify any entrant; or (b) to modify, suspend,

terminate or cancel the promotion, as appropriate.

19. Any cost associated with accessing the promotional website is the

entrant’s responsibility and is dependent on the Internet service

provider used.

20. Nothing in these Terms and Conditions limits, excludes or modifies or

purports to limit, exclude or modify the statutory consumer

guarantees as provided under the Competition and Consumer Act, as

well as any other implied warranties under the ASIC Act

or similar consumer protection laws in the State and Territories of

Australia (“Non-Excludable Guarantees”). Except for any liability that

cannot by law be excluded, including the Non-Excludable Guarantees,

the Promoter (including its respective officers, employees and agents)

excludes all liability (including negligence), for any personal injury; or

any loss or damage (including loss of opportunity); whether direct,

indirect, special or consequential, arising in any way out of

the promotion.

21. Except for any liability that cannot by law be excluded, including the

Non-Excludable Guarantees, the Promoter (including its respective

officers, employees and agents) is not responsible for and excludes all

liability (including negligence), for any personal injury; or any loss or

damage (including loss of opportunity); whether direct, indirect,

special or consequential, arising in any way out of: (a) any technical

difficulties or equipment malfunction (whether or not under the

Promoter’s control); (b) any theft, unauthorised access or third party

interference; (c) any entry or prize claim that is late, lost, altered,

damaged or misdirected (whether or not after their receipt by the

Promoter) due to any reason beyond the reasonable control of the

Promoter; (d) any variation in prize value to that stated in these Terms

and Conditions; (e) any tax liability incurred by a winner or entrant; or

(f) use of a prize.

22. The Promoter collects personal information in order to conduct the

promotion and may, for this purpose, disclose such information to

third parties, including but not limited to agents, contractors, service

providers and prize suppliers. Entry is conditional on providing this

information. The Promoter may, for an indefinite period, unless

otherwise advised, use the information for promotional, marketing,

publicity, research and profiling purposes, including sending

electronic messages or telephoning the entrant. Entrants should direct

any request to access, update or correct information to the Promoter.

All entries become the property of the Promoter.

23. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565

471) of 80 Bay Street, Ultimo NSW 2007.

Billy Connolly

1. This competition is open to Australian residents only, commencing 18/07/2012. All entries must be received no later than 23/08/2012 5pm – Australian time.

3. The winner will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 20/08/2012.

4. The best ten entries, as determined by the judges, will win a copy of Billy Connolly’s Route 66 on DVD valued at AUD$29.95. Total Number of prizes: 10. Total value of giveaway: AUD$89.85.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

London Hunt

1. This contest is open only to Australian residents aged 18 years or over. The contest opens on 02/07/12. Entries close at 11:59pm (Sydney time) on 30/07/12.

3. Players must register for the London Challenge at www.readersdigest.com.au. To be eligible for the prize draw, players must find all 28 London landmarks hidden within the Reader’s Digest website before 30/07/2012.

4. Limit one (1) entry per person and one (1) registration per email address.

5. The prize will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007. The draw will take place on 02/08/2012 at 10:30am.

6. The first eligible entry drawn will win a 16GB Apple iPad 2 valued at $429. Total value of the promotion is $429.

7. The winner will be notified by email and published on the Promoter’s website -www.readersdigest.com.au. The winner will also be published in the Australian on 04/08/2012.

17. The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300 300 162 - (www.readersdigest.com.au.)

Authorised under NSW Permit No. LTPM/11/0617 ACT Permit No. TP11/2957

Albert Nobbs

1. This competition is open to Australian residents only, commencing 25/06/2012. All entries must be received no later than 17/07/2012 5pm – Australian time.

3. The winner will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 17/07/2012.

4. The best ten entries, as determined by the judges, will win a copy of Albert Nobbs on DVD valued at AUD$34.95. Total Number of prizes: 10. Total value of giveaway: AUD$349.50.

7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.

Rubbermaid

1. This prize scheme is open to residents of Australia aged 18 years or older only and

opens June 20, 2012. Entries close at 5pm AEST (online entries) or last mail

received (mail entries) on July 24, 2012.

2. The promotional material, information on how to enter and prize details form part of

these rules. To be eligible to enter, you must reply in accordance with the conditions

specified in this promotion. Employees of the Promoter and members of their

immediate families are not eligible to enter. The Promoter cannot accept

responsibility for lost, misdirected or delayed entries.

3. The Promoter reserves the right, at any time, to verify the validity of entries and

entrants (including an entrant’s identity, age and place of residence) and to

disqualify any entrant who submits an entry that is not in accordance with these

Terms and Conditions or who tampers with the entry process. Failure by the

Promoter to enforce any of its rights at any stage does not constitute a waiver of

those rights.

4. Limit of one entry per person.

5. This is a game of skill and chance plays no part in determining the winners. Each

entry will be individually judged and the winners will be determined based on the

originality, creativity and/or humour of their entry. To enter, readers must answer

in 50 words or less: “Tell us why your garage needs to be put in order?” Readers

may either visit www.handyman.net.au and fill out the online form to enter, or

mail their written answer along with their name, address, email and phone number

to “Garage Storage Game Of Skill Competition” GPO Box 4353, Sydney NSW

2001.

6. The two best valid entries, as determined by the judges in their discretion, will

each win one Major Prize. Each Major Prize comprises four FastTrack rails, two

shelf hardware kits, wire shelves, vertical ball rack, wire basket, power tool

holder, and a selection of FastTrack hooks, to the total value of $500.

7. The subsequent 10 best valid entries, as determined by the judges in their

discretion, will each win one Runner-Up Prize. Each Runner-Up Prize comprises

a FastTrack starter kit, to the total value of $50.

8. The total prize value is AU$1500 (inclusive of GST). The prizes are not

transferable, exchangeable or redeemable for cash.

9. The prizes will be delivered at the Promoter’s expense within six to eight weeks

of the winners being published.

10. The prize winners will be notified by email and published in the October 2012 issue

of Handyman magazine.

11. Any cost associated with accessing the promotional website is the entrant’s

responsibility and is dependent on the internet service provider used. The Promoter

accepts no responsibility for any technical hardware or software failures of any

kind, lost or unavailable network connections or failed, incomplete, garbled or

delayed computer transmission or any human error which may occur in the receipt

or processing of entries. Further, the Promoter accepts no responsibility for damage

to computer systems from downloading any information necessary to participate in

the promotion. The Promoter reserves the right to terminate or modify the

promotion or the on-line portion of the promotion at any time if the Promoter’s online

service is no longer available or is compromised by any virus, bugs, or other

intervention beyond the Promoter’s control. In either of these events, prizes may be

awarded based on entries received prior to date of termination. The Promoter

reserves the right in its sole discretion to disqualify any entrant who tampers with

the entry process or is in any other way responsible for compromising the orderly

operation of the promotion.

12. All entries (which shall include the literary works comprising the reply to the

promotional question) become the property of the Promoter. As a condition of

entering into this promotion, each entrant agrees to assign all of their rights, title and

interest (including copyright) in and to their entry to the Promoter. Each entrant

warrants to the Promoter that each entry submitted is an original literary work of the

entrant that does not infringe the rights of any third party. The entrant agrees to

indemnify the Promoter against all costs and claims by third parties arising from a

breach of this warranty. Entrants consent to any use of their entry which may

otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth).

13. The Promoter collects personal information in order to conduct the promotion and

may, for this purpose, disclose such information to third parties, including but not

limited to agents, contractors, service providers, and prize suppliers. Entry is

conditional on providing this information. The Promoter may, for an indefinite

period, unless otherwise advised, use the information for promotional, marketing,

publicity, research and profiling purposes, including sending electronic messages or

telephoning the entrant. Entrants should direct any request to access, update or