Official Rules:

The Money Book for the Young, Fabulous & Broke Sweepstakes

THE FOLLOWING SWEEPSTAKES IS INTENDED FOR PLAY IN THE FIFTY UNITED STATES AND THE DISTRICT OF COLUMBIA ONLY AND SHALL ONLY BE CONSTRUED AND EVALUATED ACCORDING TO UNITED STATES LAW. DO NOT ENTER THIS SWEEPSTAKES IF YOU ARE NOT LOCATED IN, AND A LEGAL RESIDENT OF, THE FIFTY UNITED STATES OR THE DISTRICT OF COLUMBIA.

NO PURCHASE AND NO ONLINE ENTRY IS NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT IMPROVE YOUR CHANCES OF WINNING.

ENTRY IN THIS SWEEPSTAKES CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES.

1. Eligibility: You must be a legal resident of the United States and 18 years or older at the time of entry. Void in overseas U.S. territories, possessions, commonwealths and military installations, and where prohibited by law. Employees and agents of Yahoo! (“Sponsor”), Penguin Putnam, Inc., Suze Orman, their respective affiliates, subsidiaries, advertising and promotional agencies, any other prize sponsor, and any entity involved in the development, production, implementation, administration or fulfillment of the Sweepstakes (all of the foregoing, together with Sponsor, collectively referred to as “Promotion Entities”), and the immediate family members and persons living in the same household as such individuals, are not eligible to participate or win.

2. How To Enter: The Sweepstakes begins at 12:01 AM PT on February 18, 2005 and ends at 11:59 PM PT on March 3, 2005 (the “Entry Period”). To enter, complete the official entry form, which is located at http://biz.yahoo.com/pfg/e27yfb. You will be asked to provide your first and last name, address, telephone number, and email address (collectively, the "Entry"). You may also be asked to answer optional questions; however, they need not be answered in order to be eligible for the Sweepstakes. All online entries must be received by 11:59 PM PT on the last day of the Entry Period.

For purposes of these Official Rules, “receipt” of an Entry occurs when Yahoo!’s servers record the entry information upon clicking the “Submit Entry” button. In the event of a dispute about the identity of an entrant, each Entry will be declared made by the authorized account holder of the email address submitted at the time of entry. “Authorized account holder” is defined as the natural person who is assigned to an email address by an Internet Access Provider, online service provider, or other organization (e.g. business, educational institution, etc.) that is responsible for assigning email addresses for the domain associated with the submitted email address. The potential winner may be required to provide Promotion Entities with proof that he/she is the authorized account holder of the email address associated with the winning Entry.

LIMIT ONE ENTRY PER PERSON. Although subsequent attempts to enter may be received, only the first Entry received from a particular individual will count; subsequent attempts to enter will be disqualified. The submission of an Entry is solely the responsibility of the entrant. Entries may only be made according to the methods described above. Proof of sending (such as an automated computer receipt confirming delivery of email or post office receipt) does not constitute proof of actual receipt by Yahoo! of an Entry for purposes of these Official Rules. Automated entries (including but not limited to entries submitted using any bot, script, macro, or sweepstakes service), copies, third party entries, facsimiles and/or mechanical reproductions are not permitted and will be disqualified. Only eligible Entries actually received by Yahoo! before the end of the specified entry period will be included in the prize drawing. Illegible, unintelligible, incomplete, garbled, or mutilated entries will be disqualified. All Entries become the property of Yahoo! and none will be acknowledged or returned.

3. Conduct: By entering the Sweepstakes, entrants agree to comply with and be bound by these Official Rules. The Official Rules will be posted at the Sweepstakes website throughout the Sweepstakes. Failure to comply with these Official Rules may result in disqualification from the Sweepstakes. Entrants further agree to comply with and be bound by the decisions of the judges, which will be final and binding in all respects. Yahoo! reserves the right at its sole discretion to disqualify any individual it finds to be: (a) tampering or attempting to tamper with the entry process or the operation of the Sweepstakes or any Yahoo! website; (b) violating the Official Rules; (c) violating the terms of service, conditions of use and/or general rules or guidelines of any Yahoo! property or service; or (d) acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person. CAUTION: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, YAHOO! RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.

4. Prizes:

Grand Prize: One Prize winner will receive a trip for two (winner and companion) to attend a taping of the Suze Orman show in New York City. Prize package includes round trip coach class air transportation for two from a major U.S. airport close to winner’s home (carrier and airport to be selected by Sponsor) to New York, NY; hotel accommodations (one room, standard, double occupancy) for 2 nights; ground transportation between New York area airport and hotel, and hotel and taping venue; dinner for winner & companion with their Yahoo! contact. Approximate retail value of Grand Prize: $3,000 (Grand Prize value may vary depending upon the actual cost of air transportation from point of departure and accommodations at time of reservation).

First Prizes: 50 First Prize winners will each receive an autographed copy of Suze Orman's new book, "The Money Book for the Young, Fabulous & Broke." Approximate retail value of each First Prize: $24.95.

The following applies to the Grand Prize: Except as specifically provided herein, Grand Prize package does not include taxes, insurance, telephone charges, personal expenses, travel arrangements between winner’s home and U.S. airport of departure, ground transportation, gratuities, passenger facility charges (PFCs), departure taxes, incidental charges, or any other item not specifically described in these Official Rules, and all expenses for any of the foregoing are the sole responsibility of the prize winner. Suze Orman Show taping is subject to change and/or cancellation. Winner must be able to travel in a window between April 5-14, 2005, as determined by Sponsor. If Promotion Entities cannot find a winner who is able to travel on required dates in time to satisfy verification procedures, no Grand Prize will be awarded. Once confirmed, trip dates and travel accommodations cannot be changed by winner; however, travel is subject to availability, blackout dates, and/or change due to circumstances beyond Sponsors’ and Administrators’ control. Winner and travel companion must travel on the same dates, itinerary, and fare class. All travel in this Sweepstakes must be completed by April 14, 2005. No extensions will be permitted, and any unused travel will be forfeited. Grand Prize cannot be used in conjunction with any other promotion or offer and may not be separated. All tickets issued in conjunction with Grand Prize are not eligible for frequent flyer miles, and no code-share flights may be used.

The following applies to all prizes: Approximate retail value of all prizes: $4,248. Limit one prize per winner. Prizes may not be transferred or assigned except by Sponsor. Prizes cannot be used in conjunction with any other promotion or offer and may not be separated. Only listed prizes will be awarded and no substitutions, cash equivalents or redemptions will be made, except that Sponsor reserves the right to substitute any prize package with another prize of equal or greater value in the event that the advertised prize (or any component thereof) is not available. Reporting and payment of all applicable taxes, fees, and/or surcharges, if any, arising out of, or resulting from, acceptance or use of a prize, are the sole responsibility of the winner of that prize. Sponsor expressly disclaims any responsibility or liability for injury or loss to any person or property relating to the delivery and/or subsequent use of the prizes awarded. Sponsor makes no representations or warranties concerning the appearance, safety or performance of any prize awarded. Restrictions, conditions, and limitations apply. Promotion Entities will not replace any lost or stolen prize items.

5. Winner Selection and Notification: Potential winners will be selected in a random drawing to be held on or about March 7, 2005, from among all eligible entries received. Odds of winning depend on the number of eligible entries received. All prize drawings will be conducted by an independent judging organization, whose decisions are final. Grand Prize winner's travel companion must be 18 years of age or older at the time trip is taken in order to accompany winner on trip.

Potential winners will be notified within three days after drawing date via email, U.S. mail, telephone and/or by overnight courier. Prize winners and their travel companions, if applicable, may be required to sign, notarize and return an Affidavit of Eligibility and Liability/Publicity Release and provide any additional information (such as social security number), that may be required by Promotion Entities, except where prohibited by law. Except where prohibited by law, potential winners must return all required documents (if applicable, together with travel companion’s required documents) within 72 hours following attempted notification or prize may be forfeited. Return of any prize/prize notification as undeliverable, or inability of Promotion Entities to contact a potential winner may result in disqualification and selection of an alternate winner by random drawing.

6. General Conditions: This Sweepstakes is governed by the laws of the United States. All federal, state and local laws and regulations apply.

By entering, participants: (a) release and hold harmless Promotion Entities, and their respective parents, subsidiaries, affiliates, directors, officers, employees, and agents from any and all liability for any injuries, loss or damage of any kind to persons, including death, or property damage resulting in whole or in part, directly or indirectly, from acceptance, possession, misuse or use of any prize, participation in this promotion, or while traveling to, preparing for or participating in any prize-related activity, and (b) grant to Yahoo! the right to use and publish their proper name and state online and in print, or any other media, in connection with the Sweepstakes.

Except where prohibited by law, a winner’s acceptance of a prize constitutes permission for Promotion Entities to use such winner’s name, address (city and state only), statements, photograph, voice and/or likeness for any advertising and promotional purposes relating to the Sweepstakes without further compensation, consideration, review or consent.

7. Limitations of Liability: Promotion Entities assume no responsibility for lost, late, misdirected, illegible, or mutilated entries, or for theft, destruction or unauthorized access to, or alteration of, entries. Promotion Entities are not responsible for any incorrect or inaccurate information, whether caused by website users, any of the equipment or programming associated with or utilized in the Sweepstakes, or any technical or human error which may occur in the processing of submissions in the Sweepstakes. Promotion Entities assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, failures or technical malfunction of any telephone network or lines, computer online systems, servers, providers, computer equipment, software, email, players or browsers, whether on account of technical problems, traffic congestion on the Internet or at any website, or on account of any combination of the foregoing. Promotion Entities are not responsible for any injury or damage to participants or to any computer related to or resulting from participating or downloading materials in this Sweepstakes. If, for any reason, the Sweepstakes 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 Promotion Entities which corrupt or affect the administration, security, fairness, integrity or proper conduct of this Sweepstakes, Yahoo! reserves the right at its sole discretion to cancel, terminate, modify or suspend the Sweepstakes and select winners from among all eligible entries received prior to the cancellation.

8. Privacy: By entering the Sweepstakes, you agree to Yahoo!’s use of your personal information as described in Yahoo!’s Privacy Policy, located at http://privacy.yahoo.com/privacy/us/promo/index.html.

9. Winners List: The names of the prize winners may be obtained after March 8, 2005 and no later than June 8, 2005 by sending a self-addressed stamped envelope to: The Money Book for the Young, Fabulous & Broke Sweepstakes, Winners List Requests, P.O. Box 3716, Dept. N., St. Cloud, MN 56397-3716.

10. Official Rules: For a copy of the Official Rules, print this web page or send a self-addressed, stamped envelope to: The Money Book for the Young, Fabulous & Broke Sweepstakes, Official Rules Requests, P.O. Box 3348, Dept. N, St. Cloud, MN 56397-3348. Vermont residents may omit return postage. Requests received after the close of the Entry Period will not be honored.

11. Sponsor: Yahoo!, 701 First Avenue, Sunnyvale, CA 94089.

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