Terms and Conditions

1. This competition is open only to New Zealand 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 New Zealand 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: NZ$17. (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.co.nz/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 New Zealand 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.co.nz/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 New Zealand 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.co.nz/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 New Zealand residents aged 18 years or over. The contest opens on 01/03/2013. Entries close at 11:59pm (Auckland time) on 31/03/2013.

3. Players must register for the Easter Hunt at www.readersdigest.co.nz. 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: The Warehouse, iTunes, movie theatres nationwide, Paper Plus or Air New Zealand.

If a player refers a friend to the Easter Hunt, they will also go into a separate draw to win a Warehouse 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 the Reader’s Digest office in Sydney. The draws will take place on 04/04/2013 at 10:30am Sydney time.

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.co.nz.

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, 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. 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.

15. 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.

16. The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: NZ 0800 400 060 - (www.readersdigest.co.nz.)

Love Photo Contest

1. This competition is open only to New Zealand 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.co.nz or www.facebook.com/ReadersDigestNewZealand. Photos will be judged on originality, artistic merit and how well they fit the theme.

3. Six finalist photos will be selected at the offices of Reader’s Digest 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.co.nz. 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 NZ$349. Total value of the promotion is NZ$349. 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. 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.

14. 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, 80 Bay Street, Ultimo, NSW Australia. Ph: NZ 0800 400 060 – www.readersdigest.co.nz

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.

Guessing Game

1. This contest is open only to New Zealand 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.

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.

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 tax liability incurred by a winner or player; or (e) 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.)

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

iPad Mini

1. This promotion is open only to New Zealand residents aged 18 years and over who "like" the Reader’s Digest New Zealand 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.co.nz. 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 Give Away

1. This prize scheme is open to residents of New Zealand aged 18 years or older only and opens May 22, 2013. Entries close at 5pm AEST (online entries) on June 20, 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. 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.trustedbrands.co.nz 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 NZ$500.

7. The total prize value is NZ$500. The prize is not transferable.

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

9. The prize winners 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

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 01/01/12 and closes on 31/12/12.

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 New Zealand 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 NZD $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.

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.

Power of Good

1. Only New Zealand 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 NZD $50-$150 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.

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.

My Story

1. Only New Zealand 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 NZD $500 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.

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.

Jokes and Anecdotes

1. Only New Zealand 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 NZD $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.

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.

Monthly Movie Contest

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

3. Entries must be made at www.readersdigest.co.nz. 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.

4. The winners will be notified by email and published on our website – www.readersdigest.co.nz. 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.

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

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.

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 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.

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.

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.

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 (“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) taking of the 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

Quizmas 2012

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

2. The promotion opens on 03/12/2012. Final entries close at 11:59pm 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 each day of the promotion. Two prize draws will be conducted 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.co.nz by 11:59pm 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 (NZD)
03/12/2012	iPod Nano	$229
04/12/2012	Reader's Digest cookbooks (pack of 4)	$240
05/12/2012	Breville 800 Class Espresso Machine 800ES	$350
06/12/2012	Samsung Digital Camera 16mp EC-DV300FBPUAU	$200
07/12/2012	Apple TV	$159
08/12/2012	Movie gift card (cinemas nation wide)	$100
09/12/2012	Breville Waffle Maker WM800B	$90
10/12/2012	Panda Docking Speaker for iPhone	$59
11/12/2012	Kindle Wi-Fi 6" e-Reader	$149
12/12/2012	Sunbeam Mixmaster Compact Pro MX5950	$100
13/12/2012	Air New Zealand Holidays gift card	$200
14/12/2012	Lenox DVD Player/HD Set Top Box Combo	$70
	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.co.nz.

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. 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 is Reader’s Digest (Australia) Pty Limited, 80 Bay Street, Ultimo, NSW Australia. Ph: NZ 0800 400 060 -(www.readersdigest.co.nz)

Christmas Challenge

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

3. Players must register for the Christmas Challenge at www.readersdigest.co.nz. 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 Australian office at 80 Bay St Ultimo NSW 2007. The draw will take place on 04/12/2012.

6. The first eligible entry drawn will win a Samsung Galaxy SIII mobile phone valued at $858. Total value of the promotion is $858.

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

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.

16. The Promoter is Reader’s Digest (Australia) Pty Limited, 80 Bay Street, Ultimo, NSW Australia. Ph: NZ 0800 400 060 - (www.readersdigest.co.nz.)

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.

Caption of the Month

1. This competition is open to New Zealand 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 NZD $100. Total Number of prizes: 1. Total value of giveaway: NZD $100.

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.

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) 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.

Pet Photo Contest

1. This competition is open only to New Zealand 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.co.nz or www.facebook.com/ReadersDigestNewZealand. 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.

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

6. The winner of each weekly round will receive a Pet Post 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: NZ 0800 400 060 – www.readersdigest.co.nz

100 Word Story

1. This prize scheme is open to residents of New Zealand 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.co.nz and fill out the online form to enter, email their response to 100wordstory@readersdigest.co.nz or mail their written submission along with their name, address, email and phone number to “100 Word Story” PO Box 90489, Auckland, 1030.

6. The best valid entry, as determined by the judges in their discretion, will win one Major Prize comprising of NZ$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 NZ$250.

8. The total prize value is NZ$1500. 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.

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

80 Bay Street, Ultimo NSW 2007 in Australia.

Royal Kruger Lodge

1. This promotion is open only to New Zealand residents and opens on May 23 2012. Entries close midnight June 30 2012. The winning entry will be selected at Hawkhurst Media Services Ltd, Unit 11, 250 Marua Road, Ellerslie, Auckland on July 10 2012 at 10.30 a.m. The promoter may conduct such further judging at the same place as the original judging as is necessary on July 31 2012 in order to distribute the prize if it is unclaimed by that date. The promoter cannot accept responsibility for lost, misdirected or delayed entries.

3. Entrants are required to describe in 25 words or less why they wish to win. The most creative entry in the opinion of the judges will be awarded the prize.

4. The prizewinner will be notified in writing immediately after the judging and the winner will be published in the New Zealand Herald on August 6 2010.

5. 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. All eligible responses/entries will have an equal chance to win.

6. Employees of Reader's Digest Australia Pty Ltd, Hawkhurst Media Services, Royal Kruger Lodge, and associated agencies and members of their immediate families are not eligible to enter.

7. The prize is a Royal Kruger Lodge Safari Adventure for two people for five nights valued at $3310NZD plus two $250NZD vouchers for additional nights and meals. Total prize value $3810NZD. Vouchers can only be used for additional nights at a rate of one voucher per night. Prize includes double accommodation, all meals, a Sundowner Drive to Crocodile River including local beer, wine and soft drinks on the drive; two Open Vehicle Game Drives in Kruger National Park; and a Bush Orientation Walk in Marloth Park.

8. The prize cannot be exchanged for cash and must be taken by 31st December 2013.

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, 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 responses/entries become the property of the promoter. The promoter's decision on all matters pertaining to this promotion is final.

10. The Promoter is Reader’s Digest (Australia) Pty Ltd.

World Around You Photo Contest

1. This competition is open only to New Zealand 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.co.nz or www.facebook.com/ReadersDigestNewZealand. 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 New Zealand 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.

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

6. The winner will receive a Breville Espresso Machine BES250 valued at $350. Total value of the promotion is $350. 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. Ph: NZ 0800 400 060 – www.readersdigest.co.nz

Guessing Game

1. This contest is open only to New Zealand 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 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 guess 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.co.nz. 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 is $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.

16. The Promoter is Reader’s Digest (Australia) Pty Limited. Ph: NZ 0800 111 462 - (www.readersdigest.co.nz)

London Hunt

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

3. Players must register for the London Challenge at www.readersdigest.co.nz. 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 $579. Total value of the promotion is $579.

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

16. The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: NZ 0800 400 060 - (www.readersdigest.co.nz)

Handyman Facebook Giveaway

1. This promotion is open only to residents of Australia and New Zealand aged 18 years and over who "like" the Handyman Facebook page www.facebook.com/HandymanMagazine. Entrants must complete the entry form, which can be found on the Handyman Facebook page or our website www.readersdigest.co.nz. The promotion opens on 23/05/2012. Entries close at 11:59pm (Sydney time) on 28/06/2012. The prize will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007 on 02/07/2012 at 10:30am.

2. Entrants have the option to nominate one or two friends who also "like" the Handyman Facebook page during the promotional period for a chance to win more prizes.

3. The promotional material, information on how to enter and prize details form part of these Terms and Conditions.

4. 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. All eligible entries will have an equal chance to win. The Promoter cannot accept responsibility for lost, misdirected or delayed entries.

5. 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

6. Incomplete, indecipherable or illegible entries will be deemed invalid. 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. The first eligible entry drawn will win a Breville ‘Pete Evans’ Signature Edition Pizza Maker (BPZ500PE) valued at $140 and a Breville Avance Programmable slow cooker (SLC80) valued at $110. If the winner has referred friends to the Handyman Facebook page, they will also win a $50 Bunnings voucher for themselves and for each friend referred. Total value of the promotion is between $250 and $400, depending on whether the winner referred friends (maximum two friends). Prizes are not transferable or exchangeable or redeemable for cash.

8. The prize winner will be notified by email after the draw and published on our website at www.readersdigest.co.nz.

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.

10. 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. The Promoter may conduct such further draws at the same time and place as the original draw as is necessary on 02/10/2012 in order to distribute the prize, if it remains unclaimed by that date.

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, 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.

13. Limit one (1) entry per person.

14. 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.

15. 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.

16. 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.

17. 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.

18. 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.

19. 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.co.nz.)

Reader's Digest Photo Contest

1. This competition is open only to New Zealand residents aged 18 years or over. It commences on 23/05/2012. Entries close at 11:59pm on 22/06/2012.

2. Entrants must submit a photo of their Reader’s Digest magazine in an interesting location via the entry form found at www.readersdigest.co.nz. 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 to the Reader’s Digest New Zealand Facebook page www.facebook.com/ReadersDigestNewZealand for a public vote on 25/06/2012. The finalists will be contacted by email.

4. The winner and runner-up will be the finalists who have received the highest number of votes by 12pm on 29/06/2012. In the event of a tie in votes the Promoter will determine the winner or runner-up.

5. The winner and runner-up will be notified by email after voting has closed and published on Facebook and at www.readersdigest.co.nz. The winner and runner-up declared will be final and no correspondence will be entered into.

6. The winner will receive a FujiFilm S2950 digital camera valued at $298. The runner-up will receive a Kodak Express Digital Solutions gift card valued at $50. Total value of the promotion is $348. Prizes are 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 or runner-up does not take the prize by the time stipulated by the Promoter, then the prize will be forfeited. If the prize remains unclaimed by 22/07/2012, 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.co.nz

Word Hunt

1. This contest is open only to New Zealand residents aged 18 years or over. The contest opens on 04/04/12. Entries close at 11:59pm on 15/05/12.

2. All words submitted are subject to approval by the Promoter. The Promoter will determine, in its absolute discretion whether a word submitted by a player is a valid word and no correspondence will be entered into. In the event that a player submits an invalid word, they will be given the opportunity to submit a new word.

3. All words must be a minimum of 3 characters and a maximum of 12 characters long.

4. 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. Employees of the Promoter and members of their immediate families are not eligible to enter. The Promoter cannot accept responsibility for late, lost, misdirected or delayed entries.

5. 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.

6. The Promoter will conduct the contest and the winners declared will be final and no correspondence will be entered into.

7. The player with the highest score each week will be eligible to win a $50 gift card of their choice from JeansWest, Paper Plus, The Warehouse, or movie theatres nationwide. The player with the highest score at the end of the contest will be eligible to win a Sony 26” High Definition LCD TV to the value of $399. In the event of a tie for a weekly prize or the overall prize, tied players will be required to respond to a promotional question to determine the winner (whereby the player that submits the best valid answer, as determined by the Promoter, will receive the prize).

8. The ‘refer-a-friend’ prize consists of a $50 iTunes voucher.

9. The prize winners will be notified by email and published on the Promoter’s website - www.readersdigest.co.nz. Prizes are not transferable or exchangeable or redeemable for cash.

10. If for any reason a winner does not respond to the Promoter’s notification within two weeks, then, at the discretion of the Promoter, the prize will be forfeited or awarded to the next placed player. 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.

12. Limit one (1) entry per person, with a maximum submission of three words per person per day.

13.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, prizes may be awarded based on entries received prior to date of termination.

14. 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.

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. This contest is in no way sponsored, endorsed or administered by, or associated with, Facebook. Players understand that they are providing their information to the Promoter and not to Facebook. The information a player provides will only be used for the purposes outlined in these Terms and Conditions. Any questions, comments or complaints about this contest must be directed to the Promoter and not to Facebook. Facebook will not be liable for any loss or damage or personal injury which is suffered or sustained by a player, as a result of participating in the contest (including taking/use of a prize), except for any liability which cannot be excluded by law.

17. 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.

18. The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: 0800 400 060 - (www.readersdigest.co.nz)

Mother's Day Giveaway

1. This competition is open only to New Zealand residents aged 18 years and over, commencing 20/04/2012. All entries must be received no later than 11.59pm on 13/05/2012.

3. The winner will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about 14/05/2012.

4. The best entry, as determined by the judges, will win a $100 gift voucher from their choice of The Warehouse, Air New Zealand, pharmacies nationwide or movie theatres nationwide. Total Number of prizes: 1. Total value of giveaway: $100.

7. 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

Earth Hour Giveaway

1. This competition is open to New Zealand residents only, commencing 28/3/2012. All entries must be received no later than 22/4/2012 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 23/4/2012

4. The best entries, as determined by the judges, will win a book pack containing ‘Animals’ and ‘Reader's Digest Atlas of the World' , worth $125. Total Number of prizes: 1. Total value of giveaway: $125.

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

Weird and Funny Photo Contest

1. This competition is open only to New Zealand residents aged 18 years or over. It commences on 21/03/2012. Entries close at 11:59pm on 18/04/2012.

2. Entrants must submit a “weird” or “funny” photo via the entry form found at www.readersdigest.co.nz. Photos will be judged on originality, artistic merit and how well they fit the “weird and funny” theme.

3. Six finalist photos will be selected at Reader’s Digest on 19/04/2012. The photos will be posted to the Reader’s Digest New Zealand Facebook page www.facebook.com/ReadersDigestNewZealand on 20/04/2012 and the finalists will be contacted by email.

4. The winner and runners-up will be judged by a public vote on the Facebook photo album available from 20/04/2012. The winner and runners-up will be the finalists who have received the highest number of votes by 12pm on 27/04/2012. In the event of a tie in votes the Promoter will determine the winner or runners-up.

5. To vote for a particular photo, Facebook users must indicate that they ‘like’ the entry. Facebook users can vote for multiple entries, but cannot vote for the same entry more than once.

6. The winner and runners-up will be notified by email after voting has closed on 27/04/2012 and published on Facebook and at www.readersdigest.co.nz. The winner and runners-up declared will be final and no correspondence will be entered into.

7. The winner will receive a Portable DVD Player valued at $180. The first runner-up will receive the PrintMaster Platinum CD-ROM valued at $100. The second runner-up will receive The Complete Digital Photo Manual valued at $60. Total value of the promotion is $340. Prizes are 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.

8. 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.

9. 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).

10. 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.

11. If for any reason the winner or runner-up does not take the prize by the time stipulated by the Promoter, then the prize will be forfeited. If the prize remains unclaimed by 27/05/2012, the Promoter may name the next-placed finalist as the winner in order to distribute the prize.

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. 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.

13. 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.

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.

The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. Ph: 0800 400 060 – www.readersdigest.co.nz

Jersey Boys Giveaway

1. This competition is open only to New Zealand residents aged 18 years or over. It commences 05/03/2012 and entries close at 11:59pm on 12/04/2012. The prize will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007 on 13/04/2012 at 10:30am.

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

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

6. The first eligible entry drawn will win:

• two (2) tickets to see Jersey Boys (The Story of Frankie Valli and The Four Seasons) in Auckland on 28/04/2012

• two (2) return flights from either Wellington or Christchurch, and

• one night’s accommodation in Auckland.

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). Theatre 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.

7. 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 by 15/04/2012 to claim their prize. In the event that the provisional winner does not respond by this date, he/she will forfeit any right to the prize. A second draw will take place on 16/04/2012 and the first eligible entry drawn will become the next provisional prize winner.

8. Limit of one (1) entry per person.

9. 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.

10. 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.

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

12. 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.

13. 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.

14. 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.

15. 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.

16. 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).

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 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.

19. The promoter is Reader’s Digest (Australia) Pty Ltd, (ABN 81000565471), 80 Bay Street, Ultimo, NSW 2007 Australia. (www.readersdigest.co.nz) Ph: 0800 400 060

Bosch Power Tools 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 New Zealand 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, 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 first cousin.

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 February 27, 2012. Entries close 17.00 NZDST or last mail received on March 25, 2012.

9. The winner will be notified by telephone and mail and published in the June 2012 issue of Handyman magazine.

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 Bosch power tool collection (comprising a cordless multi sander, jigsaw, mitresaw, mitresaw 2 stand, 18V cordless drill/driver, IXO 4 premium cordless screwdriver, and angle grinder) valued at NZD$1002.

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

14. 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.

15. The prizes are 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 the 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 Copyright Act 1968 (Cth).

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 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.

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.

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

Win Prizes for You & Your Friends

1. This promotion is open only to New Zealand residents aged 18 years and over who "like" the Reader’s Digest New Zealand Facebook page, and have nominated one or two friends who "like" the Reader’s Digest New Zealand Facebook page during the promotional period. These details must be completed on the entry form found on the www.readersdigest.co.nz website. The promotion opens on 01/02/2012. Entries close at 11:59pm (AEST time) on 19/03/2012. The prize will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007. The draw will take place on 22/03/2012 at 10:30am.

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

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

6. The first eligible entry drawn will win the following prizes, depending on whether they referred one or two friends:

- 1 friend referred: a Nintendo Wii Console valued at $249, plus a Panda Docking Speaker for iPhone/iPod valued at $99 for their friend

- 2 friends referred: a Nintendo Wii Console valued at $249 and a Kindle Wi-Fi 6” e-reader valued at $189 plus a Panda Docking Speakers for iPhone/iPod valued at $99 for each of their friends.

Total value of the promotion is either $348 or $636, depending on whether the winner referred one or two friends. Prizes are not transferable or exchangeable or redeemable for cash.

7. The prize winner will be notified by email after the draw and published on our website www.readersdigest.co.nz.

8. 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.

9. The Promoter may conduct such further draws at the same time and place as the original draw as is necessary on 22/06/2012 in order to distribute the prize, if it remains unclaimed by that date.

10. 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.

12. Limit one (1) entry per person.

13. 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.

14. 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.

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.

17. The Promoter is Reader’s Digest (Australia) Pty Limited, (ABN 81 000 565 471). Ph: 0800 400 060 (www.readersdigest.co.nz.)

Food Processor

1. This competition is open to New Zealand residents only, commencing (25/01/2012). All entries must be received no later than (07/03/2012) 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 (08/03/2012).

4. The best entries, as determined by the judges, will win a Lenoxx 7-in-1 food processor, worth NZ $189.96. Total Number of prizes: 1. Total value of giveaway: NZ $189.96. Contest prize of pizza oven, originally advertised in Reader’s Digest Australia magazine (February issue) is unfortunately not available.

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

Cook Book Giveaway

1. This giveaway is open only to New Zealand residents aged 18 years or over. The giveaway will run throughout 2012.

2. To be eligible for the giveaway, you must submit a unique version of a recipe and an accompanying photo of the dish, as cooked by you, via the entry form found at www.readersdigest.co.nz. Recipes can be a traditional or well-known dish but must include a unique variation that is your own. Accompanying photos must depict the recipe, as cooked by you.

3. The promotional material, information on how to submit your recipe and prize details form part of these rules. To be eligible for the giveaway, 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 for the giveaway. Reader's Digest cannot accept responsibility for lost, misdirected or delayed submissions.

4. If the recipe is published on our website, the entrant will receive a cook book valued at approximately $50. They will be notified by email and published at www.readersdigest.co.nz/winners. If for any reason they do not take the prize within six weeks of being notified, the prize will be forfeited. Recipes may also be featured in our Food & Recipes newsletter.

5. All submissions 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 submission 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 submission is an original literary/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 submission which may otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth).

6. The Promoter reserves the right, at any time, to verify the validity of submissions and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant whose submission 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.

7. 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 submissions 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.

8. 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.

9. 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.

10. 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.)

Alison Holst

1. This competition is open to New Zealand residents only, commencing 05/01/2012. All entries must be received no later than 24/01/201 5:00 pm – New Zealand time.

3. The winner will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, Australia on or about 25/01/2011.

4. The best ten entries, as determined by the judges, will win a copy of Alison Holst’s A Home-grown Cook book valued at NZD$39.95. Total Number of prizes: 10. Total value of giveaway: NZD$399.50.

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

Travel Photo Contest

1. This competition is open only to New Zealand residents aged 18 years or over. It commences on 21/12/2011. Entries close at 11:59pm (Sydney time) on 20/01/2012.

2. Entrants must submit a photo taken on holiday via the entry form found at www.readersdigest.co.nz. Photos can be taken at any location and will be judged on originality and artistic merit. Limit one entry (two photos) per person.

3. 10 finalist photos will be selected at Reader’s Digest, 80 Bay St Ultimo NSW on 23/01/2012 and posted to the Reader’s Digest New Zealand Facebook page (www.facebook.com/ReadersDigestNewZealand). The finalists will be contacted by email and published on www.readersdigest.co.nz.

4. The winner will be judged by a public vote on the Facebook photo album available from 23/01/2012. The winner will be the finalist who has received the highest number of votes by 12pm on 27/01/2012. In the event of a tie in votes the Promoter will determine the winner.

5. To vote for a particular photo, Facebook users must indicate that they ‘like’ the entry. Facebook users can vote for multiple entries, but cannot vote for the same entry more than once.

6. The winner will be notified by email after voting has closed on 27/01/2012 and published on Facebook and at www.readersdigest.co.nz. The winner declared will be final and no correspondence will be entered into.

7. The winner will receive a Panasonic waterproof camera DMCFT10 valued at $325.

The runner-up will receive a $100 Kodak Express Digital Solutions card. Total value of the promotion is $425. Prizes are 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.

11. 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 27/02/2012, the Promoter may name the second-place finalist as the winner in order to distribute the prize.

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. 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.

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 promotion.

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, 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.

16. 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.

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.)

Shedful of Tools

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 New Zealand 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, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, stepgrandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, stepsister or first cousin.

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 August 10, 2011. Entries close 1700 AEST or last

mail received on September 6, 2011.

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

November issue of Handyman, on sale November 2, 2011.

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 one 2500mm

polypropylene garden shed valued at $899 as well as DIY tools, supplies and

accessories. The prize is valued at $7907 in total. The DIY tools, supplies and

accessories will be selected by the Promoter in its absolute discretion.

13. The winner will be responsible for arranging installation of the garden shed.

Any costs associated with installing the garden shed are the responsibility of

the winner and shall not be paid by the Promoter.

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

by the Promoter, then the prize will be forfeited.

15. 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.

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

exchangeable and cannot be taken as cash.

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. 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

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

responsibility and is dependent on the Internet service provider used.

21. 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

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. 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.

23. 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.

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

Other Terms and Conditions

2011 Blanket Permits

1. Information on how to enter and prizes form part of these Terms and Conditions. Participation in any promotion run under these Terms and Conditions is deemed acceptance of these Terms and Conditions.

2. Entry is only open to residents of Australia and New Zealand aged 18 years or older.

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

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. Each promotion starts and finishes on the times and dates advertised on the relevant promotional material. To be eligible, entrants must follow the entry instructions set out on the relevant promotional material (by the closing date/time indicated).

8. Any applicable entry requirements or limitations will be specified in the relevant promotional material (with the details on how to enter). In the event that multiple entries are permitted, each entry must be submitted separately and in accordance with entry requirements.

9. If a draw is to take place, the draw will take place at the Promoter’s office on the date and time advertised in the relevant promotional material (unless otherwise advertised).

10. All winners will be notified in writing within 2 days of the draw and any winners of prizes valued at over $250 will be published in The Australian on the date advertised in the relevant promotional material.

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

12. The number of prizes available and their individual value will be advertised in the relevant promotional material.

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

14. 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.

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

16. Any cash prizes will be awarded in the form of a cheque or by electronic funds transfer to the winner's nominated bank account (in the local currency of the winner).

17. In the event that a draw takes place, if necessary, a draw for any unclaimed prizes will then take place no earlier than three months after the original draw. Any winners of prizes valued at over $250 will be published in The Australian within two weeks of the draw.

18. 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.

19. If a 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.

20. If entry is via an online mechanic, the website address will be specified in the promotional material. Any cost associated with accessing the promotional website is the entrant’s responsibility and will be dependent on the Internet service provider used.

21. 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.

22. If entry is via phone, the phone number will be specified in the promotional material. Call cost from landline phones will not exceed 55c, however, calls from mobile and pay phones may attract a higher rate.

23. 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.

24. 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.

25. 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.

26. 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.

27. 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.

28. The Promoter is Reader’s Digest (Australia) Pty Ltd, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. (www.readersdigest.com.au) (www.readersdigest.co.nz). Ph: Aust 1300300162 - NZ 0800540048.

NSW Permit No. LTPM/10/1003, ACT Permit No. TP10/5520.

'Quizmas' Promotion

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

2. The promotion opens on 01/12/2011. Final entries close at 11:59pm on 20/12/2011. 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 each day of the promotion. Prize draws for each day of the promotional period will be conducted every Wednesday at 12.30pm from 07/12/2011 to 21/12/2011, as follows:

• 07/12/2011 (six draws - one for the entries received each day from 01/12/2011 to 06/12/2011)

• 14/12/2011 (seven draws - one for the entries received each day from 07/12/2011 to 13/12/2011); and

• 21/12/2011 (seven draws - one for the entries received each day from 14/12/2011 to 20/12/2011).

3. To enter each daily draw individuals must correctly answer the daily puzzle found at www.readersdigest.co.nz by 11:59pm for that day of the promotional period.

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

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.

Date (i.e. entry period)	Prize	Value
01/12/2011	Sunbeam Electric BBQ HG5400	$280
02/12/2011	My Shop Today Silicone Baking Ware Set	$100
03/12/2011	A selection of Cook books (as determined by the Promoter)	$100
04/12/2011	The Spirit Of Christmas CD Set	$70
05/12/2011	Philips iPod Speaker Dock - SBD7500	$90
06/12/2011	PierCarlo d'Alessio Luggage Set	$120
07/12/2011	Apple iPod nano (8GB)	$190
08/12/2011	Kindle wi-fi e-reader	$189
09/12/2011	My Shop Today Picnic backpack	$80
10/12/2011	TDK Full Size Headphones ST-450	$30
11/12/2011	Sunbeam Back massager with Heat VB4500	$100
12/12/2011	My Shop Today body care set	$70
13/12/2011	Event Cinemas movie card	$100
14/12/2011	Samsung Waterproof Camera	$329
15/12/2011	Breville slow cooker SLC80	$144
16/12/2011	Sunbeam Stainless Drip Filter PC7900	$120
17/12/2011	Dick Smith 7" Digital Photo Frame	$60
18/12/2011	Pedicure Spa Salon Footbath	$80
19/12/2011	My Shop Today 13-Piece Gardening Tool Set	$70
20/12/2011	Sunbeam Glass Temperature Kettle KE9450	$131
	Total prize pool value	$2,504

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

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

16. The Promoter may conduct such further draws at the same time and place as the original draws as is necessary on 21/03/2012 in order to distribute the prizes, if any remain unclaimed by that date.

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)

Reader Survey

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 and New Zealand 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 14th November 2011 in both Australia and New Zealand. Entries close at 11:59pm (AEDST/NZDT, as applicable) for online entries and last mail received for mail entries on 12th December 2011.

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

12. Entries will be divided into an Australian group and a New Zealand group, according to the entrants’ country of residence. The best valid entry in each group, as determined by the judges in their discretion, will each win the major prize of $1,000 (awarded in the form of a cheque in the winner’s local currency). The next best five (5) valid entries in each group, as determined by the judges in their discretion, will each win a $100 My Shop Today Gift Voucher (awarded in the winner’s local currency).

The total prize pool value in Australia is AU$1,500 (inclusive of GST). The total prize pool value in New Zealand is NZ$1,500 (inclusive of GST).

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.

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.

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.

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.

'Welcome' TV Contest

1. This competition is open to New Zealand residents only, commencing 18/10/2011. Entries close on 18/12/2011.

3. The winner will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 21/12/2011. The best entry, as determined by the judges, will win the Samsung series 5, 32” LCD TV, valued at AUD $749 (or the nearest equivalent if model or colour unavailable). Total number of prizes: 1. Total value of giveaway: AUD $749.

4. The prizewinners will be notified by email and printed on the readersdigest.com.au website.

5. 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

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

Pet Photo Contest

1. This competition is open only to New Zealand residents aged 18 years or over. It commences on 31/10/2011. Entries close at 11:59pm (Sydney time) on 27/11/2011.

2. To enter, entrants must submit a photo of their pet via the entry form found at www.readersdigest.co.nz. There will be four weekly competitions (detailed below), and photos will be judged according to how well they meet the relevant theme. There is no limit on the number of entries an entrant can submit. Following the weekly competitions, the four winners will go into an overall 'Pet of the Month' competition.

Week	Dates	Theme	Prize	Value
1	31/10/2011 – 06/11/2011	Cutest pet	Pet bed	$60
2	07/11/2011 – 13/11/2011	Funniest pet	Reader’s Digest Family Encyclopedia of Animals	$65
3	14/11/2011 – 20/11/2011	Smartest pet	Doog Walkie Belt with Water Rover	$65
4	21/11/2011 – 27/11/2011	Look-alike*	Wildlife Safaris DVD	$80
	29/11/2011 - 02/12/2011	Pet of the Month	Kodak Express Digital Solutions gift card	$200

* Pet who looks most like their owner

3. The winner for each week will be judged at Reader’s Digest, 80 Bay St Ultimo NSW Australia. The winner will be notified by email and published on www.readersdigest.co.nz. The winner will also be announced, and the photo posted, on the Reader’s Digest New Zealand Facebook page (www.facebook.com/ReadersDigestNewZealand) on the Tuesday after the weekly competition has closed.

4. On the Tuesday after the final weekly competition has closed (29/11/2011), a photo album with the four weekly winners will also be posted to the Reader’s Digest New Zealand Facebook page. The winner of ‘Pet of the Month’ will be judged by a public vote on the Facebook photo album available from 29/11/2011. The winner will be the finalist who has received the highest number of votes by 12pm AEST on 02/12/2011. In the event of a tie in votes the Promoter will determine the winner.

5. To vote for a particular photo, Facebook users must indicate that they ‘like’ the entry. Facebook users can vote for multiple entries, but cannot vote for the same entry more than once.

6. The winner of ‘Pet of the Month’ will be notified by email after voting has closed on 02/12/2011 and published on Facebook and at www.readersdigest.co.nz. The winner declared will be final and no correspondence will be entered into.

7. The prizes for the weekly competitions and 'Pet of the Month' are detailed above. Total value of the promotion is $470. Prizes are 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.

11. 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 16/01/2012, the Promoter may name the second-place finalist as the winner in order to distribute the prize.

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. 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.

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.

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.)

Paint Package

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 New Zealand 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 September 26, 2011. Entries close 17:00 NZDST (online entries) and last mail received (mail entries) on November 6, 2011.

9. The winner 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, will win a selection of PPG paint products valued at NZ$1,000 (inclusive of GST).

13. The delivery cost will be covered by PPG Industries and the winner will choose specific paint products (subject to availability and within the NZ$1,000 allocated budget) by arrangement with PPG Industries. Paints will be delivered to the New Zealand address nominated by the winner.

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

15. 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.

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

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 Fair Trading Act 1986 (NZ), as well as any other implied warranties under any other similar consumer protection laws 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.

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

Family Fun Month

1. Information on how to enter and prizes 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 residents of New Zealand aged 18 years or older.

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

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. The promotion starts on 01/10/11. Final entries close at 11:59pm on 28/10/11.

8. To be eligible, entrants must visit www.readersdigest.co.nz/october and complete the form.

9. There are four prizes to be won each week of the promotional period. Each entry will be judged according to literary and creative merit of the answer provided to the promotional question. The best valid entry submitted each week of the promotional period will receive the nominated prize for that week of the promotional period (as indicated below).

10. Limit one entry per person into each weekly competition.

11. The following prizes will be available during the promotional period:

Date	Prize	Value
01/10/11	My Shop Today famliy game pack	$345
08/10/11	My Shop Today kitchen pack	$310
15/10/11	My Shop Today kids pack	$320
22/10/11	My Shop Today book pack	$308

12. In the event that any of the prizes remain unclaimed by 30 November, a new winner will be chosen by the Promoter.

13. All winners will be notified by email.

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

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

16. 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.

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

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

21. 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.

22. 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.

23. 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.

24. 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.

25. 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.

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

Fitness Pack

1. This competition is open to Australian and New Zealand residents only, commencing 1/09/2011. All entries must be received no later than 30/09/2011 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 1/10/2011.

4. The best entries, as determined by the judges, will win a heart monitor and a copy of ‘Total Fitness: Get Fit for Free and Ditch the Gym’. Total Number of prizes: 1. Total value of giveaway: AUD$169.95.

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

Ultimate Kitchen Giveaway

1. This competition is open only to New Zealand residents aged 18 years or over. It commences on 05/09/2011. Entries close at 11:59pm (Sydney time) on 25/09/2011.

2. To enter, entrants must submit their unique version of a recipe and an accompanying photo via the entry form found at www.readersdigest.co.nz. Recipes can be a traditional or well-known dish but must include a unique variation that is the entrant’s own. Accompanying photos must depict the recipe, as cooked by the entrant. There is no limit on the number of entries an entrant can submit, however, each entry must be substantially unique and submitted in accordance with entry requirements.

3. Five finalists will be judged at Reader’s Digest, 80 Bay St Ultimo NSW on 26/09/2011. The finalists’ recipes and accompanying photos will be posted on the Reader’s Digest New Zealand website and to a photo album on the Reader’s Digest New Zealand Facebook page on 27/09/2011.

4. The winner will be judged by a public vote on the Facebook photo album available from 27/09/2011. The winner will be the finalist who has received the highest number of votes by 12pm AEST on 30/09/2011. In the event of a tie in votes the Promoter will determine the winner.

5. To vote for a particular entry, Facebook users must indicate that they ‘like’ the entry. Facebook users can vote for multiple entries, but cannot vote for the same entry more than once.

6. The winner will win a Sunbeam BBQ Grill HG055A valued at $125.55,a Sunbeam MultiBlender Platinum PB7610 valued at $149.99, and a Sunbeam Stainless Drip Filter PC7900 valued at $81.60. Total value of the promotion is $357.14. Prizes are 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 overall winner will be notified by email after voting has closed on 30/09/2011 and published on Facebook and at www.readersdigest.co.nz. The winner declared will be final and no correspondence will be entered into.

9. 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 literary/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).

11. 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 30/10/2011, the Promoter may name the second-place finalist as the winner in order to distribute the prize.

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. 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.

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.

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.)

Discovering Hamlet

1. This competition is open to Australian and New Zealand residents only, commencing 17/08/2011. All entries must be received no later than 13/09/2011 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 14/09/2011.

4. The best entries, as determined by the judges, will win a copy of the DVD Discovering Hamlet, worth 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.

Brighton Rock

1. This competition is open to Australian and New Zealand residents only, commencing 17/08/2011. All entries must be received no later than 13/09/2011 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 14/09/2011.

4. The best entries, as determined by the judges, will win a copy of the DVD Brighton Rock, worth 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.

Matt & Tobie

1. This competition is open to Australian and New Zealand residents only, commencing 17/08/2011. All entries must be received no later than 13/09/2011 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 14/09/2011.

4. The best entries, as determined by the judges, will win a copy of the DVD Tobie & Matt: Asia & Europe, worth AUD$24.95. Total Number of prizes: 10. Total value of giveaway: AUD$249.50.

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

Ancestry

1. By submitting your entry, you represent that the information contained in it is true and does not infringe the copyright, privacy rights or other rights of any third parties. This competition is open to Australian and New Zealand residents only, commencing 10/08/2011. Entries close on 30/09/2011.

2. The promotional material, information on how to enter and prize details form part of these Terms & 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 ancestry.com.au and members of their immediate families are not eligible to enter. Reader's Digest cannot accept responsibility for lost, misdirected or delayed entries. To be eligible to enter, you must be 18 years of age or over and submit your entry via the website, readersdigest.com.au or readersdigest.co.nz.

3. The winners will be judged at Reader’s Digest, 80 Bay St Ultimo NSW, on or about 03/10/2011 and will be posted on Reader’s Digest websites; readersdigest.com.au and readersdigest.co.nz.

4. The best three entries from Australia and best two entries from New Zealand, as determined by the judges, will be entitled to a maximum of five hours' assistance from a professional genealogist nominated by ancestry.com.au, valued at AUD$400, plus one Annual World Heritage Membership to ancestry.com.au, worth AUD$299.88. Total value of prize: AUD$699.88. Total Number of prizes: 5. Total value of giveaway: AUD $3499.40. Prizes may not be taken in cash. Professional genealogical assistance will be provided during October 2011 or after and comprise telephone and/or email consultations, plus follow-up research services as determined wholly by the nominated genealogist and ancestry.com.au. The promoters, RDA and ancestry.com.au, are not liable for any information that may or may not be revealed as a result of this competition. Winners agree to share with Reader’s Digest and ancestry.com.au any family history information gathered as a direct result of their participation in this competition and to cooperate fully with Reader’s Digest and ancestry.com.au in the preparation of follow-up features and promotions based on these findings.

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

6. The promoters 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 promoters are Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia, and ancestry.com.au.

The Ultimate Puzzle Book

1. Information on how to enter and prizes form part of these Terms and Conditions. Participation in the promotion is deemed acceptance of these Terms and Conditions.

2. Entry is only open to Australian and New Zealand residents who purchase the May Issue of Reader's Digest during the promotional period (which will feature The Ultimate Puzzle Book – Edition Two). Employees of the Promoter, their immediate families and agencies associated with this promotion are ineligible to enter.

3. Entrants under 18 years old must have parental/guardian approval to enter and further, the parent/guardian of the entrant must read and consent to all Terms and Conditions. Parents/guardians may be required by the Promoter to enter into a further agreement as evidence of consent to the minor entering this Promotion.

4. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including and entrants 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.

Incomplete, indecipherable or illegible entries will be deemed invalid.

5. Each entrant can only complete each puzzle once.

6. To enter, individuals must complete the promotional puzzle(s) in The Ultimate Puzzle Book – Edition Two (corresponding to the prize draw(s) they want to enter) and then either mail their original coupon (found in The Ultimate Puzzle Book – Edition Two) to the specified PO BOX address (Australian residents - PO Box 888 EASTERN SUBURBS MC NSW 2004, New Zealand residents - PO Box 911387, Victoria Street West, AUCKLAND 1142) or visit the website (www.readersdigest.com.au/puzzles or www.readersdigest.co.nz/puzzles) and submit their entries via an e-coupon, for their chance to win.

7. Only one prize will be awarded per person, excluding SA residents in Australia.

8. The promotion commences 20/07/2011. Entries close 11:59pm AEST (online entries) and last mail received (mail entries) on 23/08/2011 (for all puzzles). The draw will take place at Reader’s Digest, Level 1, 80 Bay Street Ultimo NSW 2007 at 11am AEST on 25/08/2011 and winners will be notified by mail and names of winners (for prizes over $250) will be published online at www.readersdigest.com.au and in The Australian on 09/09/2011.

Facebook TV Comp

1. This promotion is open only to New Zealand residents aged 18 years and over who "like" the Reader’s Digest New Zealand Facebook page, and have nominated three friends who "like" the Reader’s Digest Facebook page during the promotional period. These details must be completed on the entry form found on the www.readersdigest.co.nz website. The promotion opens on 06/07/2011. Entries close at 11:59pm (Sydney time) on 17/08/2011. The prize will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007. The draw will take place on 22/08/2011 at 10:30am.

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 SAMSUNG 81cm (32") High Defintion LED TV UA32C4000 valued at NZ$978 plus 3 x Holga 135BC cameras valued at NZ$70 each. Total value of the promotion is $1188. Prize is 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.co.nz.

8. The Promoter may conduct such further draws at the same time and place as the original draw as is necessary on 22/11/2011 in order to distribute the prize, if it remains unclaimed by that date. In the event that the prize is awarded in the unclaimed prize draw, the winner will be published on www.readersdigest.co.nz.

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.

12. Samsung and Holga are not not participants in or sponsors of this 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.)

Zumba

1. This competition is open to Australian and New Zealand residents only, commencing 28/06/2011. All entries must be received no later than 02/08/2011 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 03/08/2011.

4. The best five entries, as determined by the judges, will win a copy of ‘Zumba Fitness’ on Wii valued at AUD$69.95. Total Number of prizes: 5. Total value of giveaway: AUD$699.50

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

Kraft Liveactive

1. This competition is open to Australian and New Zealand residents only, commencing 28/06/2011. All entries must be received no later than 02/08/2011 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 03/08/2011.

4. The best five entries, as determined by the judges, will win a Kraft liveactive pack that includes a six-week supply of liveactive cheese and a copy of the CSIRO Total Wellbeing Diet book valued at AUD$100.00. Total Number of prizes: 5. Total value of giveaway: AUD$100.00

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

Lapurete Packs

1. This competition is open to Australian and New Zealand residents only, commencing 28/06/2011. All entries must be received no later than 02/08/2011 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 03/08/2011.

4. The best three entries, as determined by the judges, will win a Lapurete pack valued at AUD$119.50. Total Number of prizes: 3. Total value of giveaway: AUD$358.50.

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

Samsung Camera Puzzle Hunt

1. This competition is open to New Zealand residents only, commencing 22/6/2011. Entries close on 19/07/2011.

3. The winner will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 14/7/2011. The best entry, as determined by the judges, will win a Samsung ES30 camera in the colour of their choice. Total number of prizes: 1.

4. The prizewinners will be notified by email and printed on the readersdigest.com.au website.

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

Puzzle Hunt

1. This promotion is open only to New Zealand residents aged 18 years and over who “like” the Reader’s Digest New Zealand Facebook page. The promotion opens on 22/06/2011. Entries close at 11:59pm (Sydney time) on 19/07/2011. The prizes will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007. The draw will take place on 26/07/2011 at 10:30am.

2. To enter the draw, individuals must follow the clues provided on the special contest page of the Reader’s Digest New Zealand Facebook page – facebook.com/readersdigestnewzealand, to find all 28 puzzle pieces hidden at www.readersdigest.co.nz by 11:59pm (Sydney time) on 19/07/2011. All puzzle pieces will be hidden on the website from Day 1 and a new clue will be released on the Facebook page every Tuesday and Thursday at a minimum. Clues will also be listed within the Reader’s Digest newsletters during the promotional period. Entrants can sign up to receive the Reader’s Digest newsletters at readersdigest.co.nz/newsletters. Entrants must have opted-in to the Home & Garden, the Reader’s Digest and the Food affinity newsletters to receive clues via the Reader’s Digest newsletters. All clues will be available on the Reader’s Digest Facebook page on the last day of the promotion – Tuesday 19/07/2011 from 10am (Sydney time).

3. 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).

4. The promotional material, information on how to enter and prize details form part of these Terms and Conditions. Employees of Reader's Digest, WDF Coghlan Limited, and members of their immediate families are not eligible to enter. Reader's Digest cannot accept responsibility for lost, misdirected or delayed entries.

6. Reader’s Digest will conduct the draw and the winners declared will be final and no correspondence will be entered into.

7. The first eligible entry drawn will win a Nintendo 3DS to the value of $ 489. The second eligible entry drawn will win a Portable DVD player to the value of $ 89. The third eligible entry drawn will win a $50 iTunes voucher. Total value of the promotion is $ 628. Prizes are not transferable or exchangeable or redeemable for cash.

8. Any ancillary costs associated with redeeming the iTunes voucher are not included. Any unused balance of the iTunes voucher will not be awarded as cash. Redemption of the iTunes voucher is subject to any terms and conditions of the issuer including those specified on the voucher.

The prize winners will be notified by email after the draw and published on the Promoter’s website - www.readersdigest.co.nz.

9. Subject to the unclaimed prize draw clause, if for any reason a winner does not take the 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.

10. The Promoter may conduct such further draws at the same time and place as the original draw as is necessary on 21/10/2011 in order to distribute any prizes that remain unclaimed by that date.

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, 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.

12. Limit 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, 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.

13. 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.

15. The Promoter is Reader’s Digest www.readersdigest.co.nz.

Electra Gypsy Cruiser

1. This competition is open to Australian and New Zealand residents only, commencing 24/05/2011. Entries close on 27/06/2011.

3. The winner will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 28/06/2011. The best entries, as determined by the judges, will win an Electra Gypsy Bicycle, valued at AUD $845. Total number of prizes: 1. Total value of giveaway: AUD $845.

4. The prizewinners will be notified by mail.

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

2XU Cycling Pack

1. This competition is open to Australian and New Zealand residents only, commencing 24/05/2011. Entries close on 27/06/2011.

3. The winner will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 28/06/2011. The best entries, as determined by the judges, will win cycling pack including a 2XU Orix Jacket, Raven Base Thermal, Compression Tights, a New Point Run Tank and Peformance Low Rise Socks, valued at AUD $500. Total number of prizes: 1. Total value of giveaway: AUD $500.

4. The prizewinners will be notified by mail.

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

Euky Bear Winter Warmer

1. This competition is open to Australian and New Zealand residents only, commencing 24/05/2011. Entries close on 27/06/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 28/06/2011. The best entries, as determined by the judges, will win an Euky Bear Winter Warmer Pack, including a steam vaporiser unit, an inhalant, and a digital thermometer, valued at AUD $200. Total number of prizes: 3. Total value of giveaway: AUD $600.

4. The prizewinners will be notified by mail.

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

Facebook iPad 2 giveaway

1. This promotion is open only to New Zealand residents aged 18 years and over who ìlikeî either the Reader’s Digest Facebook page or the HealthSmart Facebook page,and have nominated two friends who ìlikeî either the Reader’s Digest Facebook page or the HealthSmart Facebook page during the promotional period. These details must be completed on the entry form found on the www.readersdigest.co.nz website. The promotion opens on 04/05/2011. Entries close at 11:59pm (Sydney time) on 15/06/2011. The prize will be drawn at Reader’s Digest, 80 Bay St Ultimo NSW 2007. The draw will take place on 21/06/2011 at 10:30am.

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 16GB iPad 2 valued at $799 plus 2 x $50 iTunes vouchers. Total value of the promotion is $899. Prize is not transferable or exchangeable or redeemable for cash. Any ancillary costs associated with redeeming the iTunes vouchers are not included. Any unused balance of the iTunes vouchers will not be awarded as cash. Redemption of the iTunes vouchers is subject to any terms and conditions of the issuer including those specified on the vouchers.

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

8. The Promoter may conduct such further draws at the same time and place as the original draw as is necessary on 21/09/2011 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 New Zealand 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.

12. ‘iPad’ and iTunes are trade marks of Apple Inc. Apple Inc. is not a participant in or sponsor of this 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.

Zumbo

1. This competition is open to Australian and New Zealand residents only, commencing 19/04/2011. Entries close on 23/05/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 24/05/2010. The best entries, as determined by the judges, will win a copy of Zumbo on DVD, valued at AUD $29.95. Total number of prizes: 10. Total value of giveaway: AUD $299.50.

4. The prizewinners will be notified by mail.

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

Eles Make-up

1. This competition is open to Australian and New Zealand residents only, commencing 19/04/2011. Entries close on 23/05/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 24/05/2010. The best entries, as determined by the judges, will win an Eles Makup Pack including a Micro Bubble Lipstick, Liquiliner Pen, Photo Touch Concealer, Mineral Matte Shadows in Antique White, Cashmere and Twig, and a Powderline Pencil valued at AUD $260. Total number of prizes: 3. Total value of giveaway: AUD $780.

4. The prizewinners will be notified by mail.

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

Letter of the Month

1. This competition is open to New Zealand residents only, commencing 13/04/2011. Entries close on 10/05/2011.

3. The winner will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 11/05/2010. The best entry, as determined by the judges, will win a Places We Go DVD pack of five DVDs, valued at NZD $99.75. Total number of prizes: 1. Total value of giveaway: NZD $99.75.

4. The prizewinners will be notified by mail.

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

Globe Trekker

1. This competition is open to New Zealand residents only, commencing 13/04/2011. Entries close on 10/05/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 11/05/2011. The best entries, as determined by the judges, will win a Globe Trekker DVD pack valued at AUD $200 including ten DVDs. Total number of prizes: 5. Total value of giveaway: AUD $1000.

4. The prizewinner will be notified by mail.

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

Dolci di Love

1. This competition is open to New Zealand residents only, commencing 13/04/2011. Entries close on 10/05/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 11/05/2011. The best entries, as determined by the judges, will win a copy of Dolci Di Love by Sarah Kate-Lynch, valued at NZD $39.99. Total number of prizes: 10. Total value of giveaway: NZD $399.90.

4. The prizewinner will be notified by mail.

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

Sony Blu-ray Player + Movies

1. This competition is open to New Zealand residents only, commencing 22/03/2011. Entries close on 17/05/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 18/05/2011. The best entry, as determined by the judges, will win a Sony Blu-ray Player BDPS370 valued at $NZ249 and 3 x Blu-ray discs valued at $NZ120. Total prize value $NZ369.
4. The prizewinner will be notified by email

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

Ryobi DIYer of the Year 2011

1. This prize scheme is open to residents of New Zealand aged 18 years or older only and opens 17 January 2011. Entries close last mail received (mail entries) / 11:59pm AEST (online entries) on 15 April 2011. Six finalists will be chosen by a panel of judges from Handyman and Ryobi at the Promoter’s premises. Finalists will be chosen on the basis of an innovative approach, thoughtful use of materials, sound design principles and safe use of the correct tools. The submission must comply with the relevant standards and regulations, including but not limited to having licensed professionals perform any plumbing or electrical work and obtaining any other licenses or permits where required.

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. To be eligible to enter, 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. The Promoter reserves the right, at any time, to verify the validity of entries and entrants/voters (including an entrant’s/voter’s identity, age and place of residence) and to disqualify any entrant/voter 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. If there is a dispute as to the identity of an entrant/voter, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant/voter.

6. The competition for the Major Prize is a game of skill and chance plays no part in determining the winner.

7. To enter, readers must submit digital photos including a ‘before’ and ‘after’ photograph of their project and explain in 50 words or less how the project was completed, what tools and materials were used, and how much it cost. Entries from tradespeople or professionals in related industries including but not limited to building, carpentry, landscaping and gardening will not be accepted.

8. Readers may submit their entries online by visiting www.readersdigest.co.nz/handyman/ryobi-diyer, uploading photos and

completing the entry form, or by mailing a CD containing the photographs of their project with a written entry comprising a description of the project in 50 words or less, as well as their name, phone number, email address and postcode. Mail entries must be sent to: Handyman/Ryobi 2011 DIYer of the Year, PO Box 90059, Victoria St West, Auckland 1142.

9. The six finalists will be published in the June 2011 issue of Handyman, on sale 6 June 2011, and online on the same day. The final winner of the Major Prize will be chosen by online voting. Voters will need to visit www.readersdigest.co.nz/handyman/ryobi-diyer between 6 June 2011 and 11:59pm AEST on 6 July 2011 and submit their details then click a radio button to vote for one of the six finalists. From the pool of voters, one winner will be chosen at random to receive a Ryobi ONE+ drill kit, valued at NZD$499.

10. Limit one (1) vote permitted per person. The Promoter 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 or email addresses. The use of any automated entry or voting software or any other mechanical or electronic means that allows a person to automatically vote is prohibited and will render any votes submitted by that person invalid.

11. The best valid entry, as determined by the greatest number of online votes, will win the Major Prize. The Major Prize comprises:

(a) $2500 worth of Ryobi power tools and garden equipment (as determined by the Promoter in its absolute discretion); and

(b) $1000 cash (to be awarded in the form of a cheque).

12. The Major Prize is valued at NZD$3500 (inclusive of GST). Ryobi power tools and garden equipment prizes are not transferable or redeemable for cash.

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

14. If any 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 Major Prize winner will be notified by mail and published online and in the October issue of Handyman New Zealand, on sale 26 September, 2011.

16.The voting prize winner will be notified by mail and published online and in the October issue of Handyman New Zealand, on sale 26 September, 2011.

17.Any cost associated with accessing the promotional website is the entrant’s/voter’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, the prize may be awarded based on entries received prior to date of termination. Reader’s Digest reserves the right in its sole discretion to disqualify any entrant/voter who tampers with the internet entry process or is in any other way responsible for compromising the orderly operation of the promotion via the internet.

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/voter; or (b) to modify, suspend, terminate or cancel the promotion, as appropriate.

19. All entries (which shall include the work) 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 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).

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, and prize suppliers. Entry is conditional on providing this information. The Promoter and the prize suppliers 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/voter. Entrants/voters should direct any request to access, update or correct information to the Promoter or the prize supplier, as applicable.

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

22. 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 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.

23. 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/voter; or (f) use of a prize.

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

Karcher Giveaway

1. This prize scheme is open to residents of New Zealand aged 18 years or older only and opens March 28, 2011. Entries close last mail received (mail entries) or at 5pm AEDST (online entries) on April 28, 2011.

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. To be eligible to enter, you must reply in accordance with the conditions specified by the promotional material for 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. 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. 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.

6. This is a game of skill and chance plays no part in determining a winner. Each entry will be individually judged and the winners will be determined based on the originality, creativity and/or humour of their entry. The judges may select additional reserve entries which they determine to be the next best, and record them in order, in case of an invalid entry or ineligible entrant.

7. The two best valid entries, as determined by the judges in their discretion, will each win one Prize. The Prize comprises one of each of the following cleaning devices from Karcher: K5.700 Pressure Cleaner, Delta-Racer Brush and T300 Hard Surface Cleaner.

8. The total Prize pool is valued at NZ$1860 (inclusive of GST). Prize is not transferable or exchangeable and is not redeemable for cash. 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 replacement prize to the equal value and/or specification.

9. If for any reason a winner does not take the Prize by the time stipulated by the Promoter, then the Prize will be forfeited.

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

11. The prize winners will be notified by mail and published in the June 2011 issue of Handyman magazine.

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 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. Reader’s Digest 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 via the internet.

13. 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.

14. All entries (which shall include the literary works comprising the reply to the 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 and/or artistic 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).

15. 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.

16. 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.

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

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 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.

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) use of the Prize (or any element of the Prize).

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

Monthly Game Contest

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

2. The enclosed promotional material, information on how to enter and prize details form part of these rules. 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 Direct Holdings and members of their immediate families are not eligible to enter. Reader's Digest cannot accept responsibility for lost, misdirected or delayed entries.

3. For the purpose of the monthly game contest, that month’s game will have its scoreboard reset from AEST midnight on the first day of the month of which that game is the featured game contest.

4. Reader’s Digest will conduct the contest and the winner declared will be final and no further correspondence will be entered into. The top result on the scoreboard at AEST midnight on the last day of each monthly game contest will win a prize. Each prize be valued at approximately $100. Total number of prizes: 12. Total value of the giveaway is approx $1000. Prize is not redeemable for cash and may depend on availability. Visit www.readersdigest.co.nz/monthly-game-contest to play the monthly-featured game and view full winners list and prize list.

5. The prizewinners will be notified by email after each contest closes and published on our website - www.readersdigest.co.nz/winners. If for any reason a winner does not take the prize within six weeks of the competition closing, the prize will be forfeited.

6. In the event that there is a tie for points to any prize-eligible position, there will be a further 25 words or less contest between those on the shared points. The response judged the best will be declared the winner of that prize and the other entrant will drop to the next place, all other placegetters will drop accordingly.

7. All entries become the property of the promoter. 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.

8. If entry is to be made via the internet at www.readersdigest.co.nz, the close time and date for entry into the promotion is 11.59PM AEST on the deadline date stated. There is a maximum of two entries per household. 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, Reader’s Digest accepts no responsibility for damage to computer systems from downloading any information necessary to participate in the trade promotion. Reader’s Digest (subject to relevant authorities) reserves the right to terminate or modify the trade promotion or the on-line portion of the trade 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 Reader’s Digest’s control. In either of these events, prizes may be awarded based on electronic entries received prior to date of termination. Reader’s Digest 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 trade promotion 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.

9. The Promoter is Reader’s Digest (Australia) Pty Ltd, (ABN 81000565471), 80 Bay Street, Ultimo, NSW Australia. Ph: Aust 1300300162

Your Shape Giveaway

1. This competition is open to Australian and New Zealand residents only, commencing 15/03/2011. Entries close on 18/04/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 19/04/2011. The best entries, as determined by the judges, will win a Your Shape Fitness Evolved XBOX Kinect game worth AUD $89.95. Total number of prizes: 10. Total value of giveaway: AUD $899.50.

4. The prizewinner will be notified by mail.

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

Pentax Camera Giveaway

1. This competition is open to Australian and New Zealand residents only, commencing 15/03/2011. Entries close on 18/04/2011.

3. The winner will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 19/04/2011. The best entry, as determined by the judges, will win a hot pink Pentax K-r digital SLR camera worth AUD $799. Total number of prizes: 1. Total value of giveaway: AUD $799.

4. The prizewinner will be notified by mail.

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

Politically Incorrect Guide to Teenagers Giveaway

1. This competition is open to New Zealand residents only, commencing 16/03/2011. Entries close on 12/04/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 13/04/2011. The best entries, as determined by the judges, will win a copy f the book The Politically Incorrect Guide to Teenagers, worth NZD $29.99. Total number of prizes: 10. Total value of giveaway: NZD $299.90.

4. The prizewinner will be notified by mail.

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

Red Riding Hood Giveaway

1. This competition is open to New Zealand residents only, commencing 16/03/2011. Entries close on 12/04/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 13/04/2011. The best entries, as determined by the judges, will win a double pass to Red Riding Hood, worth NZD $40. Total number of prizes: 5. Total value of giveaway: NZD $200.

4. The prizewinner will be notified by mail.

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

REM Giveaway

1. This competition is open to New Zealand residents only, commencing 16/03/2011. Entries close on 12/04/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 13/04/2011. The best entries, as determined by the judges, will win a copy of REM’s Collapse Into Now, worth NZD $29.99. Total number of prizes: 10. Total value of giveaway: NZD $299.90.

4. The prizewinner will be notified by mail.

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

Easter Hunt Contest

1. This competition is open to New Zealand residents only, commencing 23/03/2011. All entries must be received no later than 20/04/2011 Midnight – Australia time.

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

4. The best entry, as determined by the judges, will win a USB Flip HD viedo camera.

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

Top Gear Apocalypse Giveaway

1. This competition is open to Australian and New Zealand residents only, commencing 16/03/2011. Entries close on 12/04/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 13/04/2011. The best entries, as determined by the judges, will win a Top Gear Apocalypse DVD, worth 29.95. Total number of prizes: 10. Total value of giveaway: AUD $299.50.

4. The prizewinner will be notified by mail.

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

After the Waterfall Giveaway

1. This competition is open to New Zealand residents only, commencing 16/03/2011. Entries close on 12/04/2011.

3. The winners will be judged at Reader’s Digest 80 Bay St Ultimo NSW, 13/04/2011. The best entries, as determined by the judges, will win a copy of the DVD After the Waterfall, worth NZD $34.95. Total number of prizes: 10. Total value of giveaway: NZD $349.50.

4. The prizewinner will be notified by mail.

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

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