Step 3: Rules

1. NO PURCHASE NECESSARY. One entry per person. Use of multiple email addresses, or fraudulent entries will void your submissions. Duplicate email addresses will be eliminated.

2. To enter to win one of 15 one year memberships to Experian's Credit Manager service, you must recommend Consumer World to one person using the form provided in "Step 1", and then fill out the official entry form via the Consumer World website ("Step 2") to submit your email address for the drawing and a free newsletter subscription. Those people who already receive the newsletter via the email address submitted above will not be added a second time to the subscription list, but will be entered in the drawing only. Those people who receive your email recommendation need only fill out the official entry/subscription form (Step 2).

2a. Winners acknowledge they will have to go through Experian's normal verification and authentication processes which include the submission of personal financial information, in order to receive their credit report, credit score, and membership in their service.

3. Fifteen winners will be drawn at random on or after Tuesday, October 4, 2005 from the list of qualified entrants.

4. All drawing entries must be received no later than 7 a.m. Eastern time, Tuesday, October 4, 2005.

5. Entrant is responsible for providing his/her correct and current email address.

6. Not responsible for lost or misdirected entries or emails, other computer failures, or the failure of email software to process entries and notifications in a timely manner.

7. Sweepstakes open to U.S. residents only, at least 18 years old, with mailing addresses in the U.S.

8. Winners will be notified shortly after the drawing by email. Winners will be required to provide their full name and address to Consumer World by email. That email must be received by the date specified in the winner's notification, or their prize will be forfeited. Winners will then be supplied with a special website link and one-time use coupon to obtain their prize. Winners will be announced publicly in Consumer World by November 1, 2005 and a winners list will be available there.

9. If there are unclaimed prizes, Consumer World may conduct a second chance drawing to reassign those prizes. All rules will apply to the second drawing. Any remaining prizes will not be awarded through this drawing.

10. Experian's Credit Manager service is valued at approximately $119.

11. The odds of winning are based on the number of entries received.

12. Void where prohibited by local law.

13. Any taxes are the sole responsibility of the winner.

14. There is no substitution of prizes.

15. Consumer World reserves the right to add to or modify these rules to maintain the operation and fairness of the giveaway.

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