Terms and Conditions:

1. Program
Description/Eligibility: NO PURCHASE NECESSARY TO ENTER OR WIN; PURCHASE WILL NOT IMPROVE ODDS
OF WINNING. This contest and the referral program are open only to residents
located in Canada
(“Winner”). Entities and employees of  Cluett Insurance Brokers Inc are
not eligible. Void where prohibited by law. Entries must be received, or
automatic entries must occur, between December 22, 2011, and March 19, 2012
(“Entry Period”). See paragraph 4 below “How to Enter”.

2. Sponsor: This contest is sponsored by Cluett
Insurance Brokers Inc.

3. Prize:
Two (2) Winners will receive a gift certificate to the KEG (value not disclosed at this time.)

If the actual value of
prize turns out to be less than the stated actual retail value (ARV), the
difference will not be awarded in cash. Sponsor reserves the right to award a
prize of equal or greater value in the event of unavailability. If Prize is not
claimed within thirty (30) days after draw date it will be forfeited. Winners
will be contacted by phone, as per number provided on ballot, on the date of
the draw. No substitutions or exchanges (including for cash) for the prize will
be permitted, except that Sponsor reserves the right, in its sole discretion, to
substitute a prize of equal or greater value for any prize. Prize is awarded
“AS IS” and WITHOUT WARRANTY OF ANY KIND, express or implied, (including,
without limitation, any implied warranty of merchantability or fitness for a
particular purpose).

4. How to Enter: Eligible residents will be entered
into a random drawing for the current prize after submitting a online referral
ballot. In any of the above entries the Referee’s Name, Phone Number, and/or
Email address plus the Name, Phone number, and/or Email address of the person
being referred must be provided. Any resident of Canada, 18 years or older, can
submit referrals and there is no limit to the number of referrals you can
submit. If duplicate referrals are submitted, the first referral submitted will
qualify. The Winner will be determined by a random drawing of all eligible
entries received. Odds of winning the prize are based upon the number of
eligible entries received. The drawing Winner will be notified by telephone
and/or email within five (5) business days of the selection. Winner will have
sixty (30) days from notification to accept the prize by indicating verbally to
Cluett Insurance of their acceptance.  No responsibility is assumed by
Cluett Insurance for lost, late, or misdirected entries or any computer,
online, telephone, or technical malfunctions that may occur. All entries become
the property of Cluett Insurance and will not be returned.

5. General
Conditions:
Participants agree to abide by the terms of these official rules and by the
decisions of Cluett Insurance, which are final and binding on all matters
pertaining to this program. Participants further grant to Cluett Insurance the
right to use and publish their proper name and photo online, in print, and in
any other media in connection with the contest. Acceptance of the prize
constitutes permission for Cluett Insurance to use the participant’s name and
likeness for advertising and promotional purposes without additional
compensation. By entering, participants release and hold harmless Cluett
Insurance, its respective parents, subsidiaries, affiliates, directors,
officers, employees, and agents from any and all liability or any injuries,
loss, or damage of any kind arising from or in connection with this program or
any prize won.

6. Internet: If for any reason the internet
portion of the program is not capable of running as planned, including
infection by computer virus, bugs, tampering, unauthorized intervention, fraud,
technical failures, or any other causes beyond the control of Cluett Insurance
that corrupt or affect the administration, security, fairness, integrity, or
proper conduct of this contest, Cluett Insurance reserves the right, at its
sole discretion, to disqualify any individual who tampers with the entry process,
and to cancel, terminate, modify, or suspend the contest. Cluett Insurance
assumes no responsibility for any error, omission, interruption, deletion,
defect, delay in operation or transmission, communications-line failure, theft,
or destruction or unauthorized access to, or alteration of entries. Cluett
Insurance is not responsible for any problems or technical malfunction of any
telephone network or lines, computer online systems, servers or providers,
computer equipment, or software, or for failure of any e-mail or entry to be
received by Cluett Insurance items on account of technical problems or traffic
congestion on the Internet or at any web site, or any combination thereof,
including any injury or damage to participant’s or any other person’s computer
related to or resulting from participation or downloading any materials in this
contest. Any attempt by a participant to deliberately damage any web site or
undermine the legitimate operation of the game is a violation of criminal and
civil laws and, should such an attempt be made, Sponsor reserves the right to
seek damages from any such contestant to the fullest extent permitted by law.

7. Winner’s Name: For the name of the prize winner,
send a self-addressed stamped envelope to: Cluett Insurance Brokers Inc 629
Windmill Road, Dartmouth,
NS Attn: Marketing Department. Requests received after one month following the
drawing date will not be fulfilled.