"David Bach Debt-Free Challenge" Sweepstakes

Official Sweepstakes Rules

NO PURCHASE NECESSARY TO ENTER OR TO WIN. A purchase will not increase chances of winning a prize.

Sweepstakes Period: The entry period for the "David Bach Debt-Free Challenge" Sweepstakes (the "Sweepstakes") begins at 12:01:00 AM (ET) on December 15, 2010 and ends at 11:59:59 PM,(ET) on June 30, 2011 (the "Sweepstakes Period").

How To Enter: During the Sweepstakes Period, visit www.debtfreechallenge.com (the "Website") to take the "Debt Free Challenge" and provide registration information as instructed at the Website to enter the Sweepstakes. No purchase or financial commitment is required to take the Debt Free Challenge and/or enter the Sweepstakes. Limit one (1) entry per person, household, address, or email address or email account for the Sweepstakes Period. Subsequent entries received during the Sweepstakes Period from any person, household address or email address after the first entry received from that person, household address or email address will be void. Entries generated by script, macro, agencies or robotic, repetitive, automatic, programmed or other automated means will be void.

Eligibility: Sweepstakes open to legal residents of the fifty (50) United States and the District of Columbia who are 18 years of age or older on the first day of the Sweepstakes Period. Employees of Equifax Consumer Services LLC., BKV, Cottonwood Enterprises, Inc., Finishrich.com, and each of their respective subsidiaries, affiliates, divisions, advertising and promotion agencies, individuals engaged in the development, production or distribution of materials for this Sweepstakes (collectively, the "Sweepstakes Entities") and the immediate families of each, or persons domiciled in the same household of such employees are not eligible. Sweepstakes is governed by U.S. law and is subject to all federal, state and local laws. By entering the Sweepstakes, entrants agree to be bound by these Official Sweepstakes Rules and the decisions of Administrator and Sponsor, which shall be final in all respects.

Conditions of Entry: All entries become the property of Sponsor and will not be acknowledged or returned. By entering, entrants acknowledge compliance with these Official Rules, including all eligibility requirements. By participating, entrants agree to release Sponsor, BKV, Cottonwood Enterprises, Inc., Finishrich.com and each of their respective parents, affiliates, subsidiaries, divisions, wholesales, retailers or distributors or advertising and promotion agencies and each of their respective officers, directors, employees, agents or representatives (collectively, "Released Parties") from and against any and all claims, demands, losses and liabilities of any nature whatsoever, which entrant may now or hereafter be entitled to assert, including but not limited to, any death, injury, loss of enjoyment, damage to computer equipment, or other harm or loss of any nature whatsoever caused or contributed to by participation in the Sweepstakes, the prize awarded in the Sweepstakes and/or in connection with the awarding, receipt and use or misuse of prize. Released Parties are not responsible for misdirected, late, lost, delayed, inaccurate, damaged, garbled, incomplete, or undelivered entries or any combination thereof, for whatever reason, for lost, interrupted or unavailable network, wireless service provider, cable, satellite, Internet Service Provider (ISP) or other connections, or for errors, omissions, interruptions, deletions, defects, phone transmissions or delayed transmissions or in operations or transmission of information, in each case whether arising by the way of technical or other failures or malfunctions of computer hardware, software, communications devices, or transmission lines, or data corruption, theft, destruction, unauthorized access to or alteration of entry materials, loss or otherwise and any mechanical, electronic, network, computer, printing, typographical, human or other error relating to or in connection with the Sweepstakes, including, without limitation, errors which may occur in connection with the administration of the Sweepstakes, the processing of entries, the announcement of prizes or in any Sweepstakes-related materials. Sponsor or Administrator reserve the right to cancel or modify the Sweepstakes if fraud, technical failures or any other factor beyond their reasonable control impairs the integrity of the Sweepstakes, as determined by Sponsor or Administrator in its sole discretion. In such event, Sponsor or Administrator reserves the right to award the prizes at random from among the eligible entries received up to the time of the impairment. Sponsor or Administrator reserve the right, in their sole discretion, to disqualify any individual they find to be tampering with the entry process or the operation of this Sweepstakes or to be acting in violation of these Official Sweepstakes Rules or any other promotion, or in an unsportsmanlike or disruptive manner. Any attempt by any person to deliberately undermine the legitimate operation of the Sweepstakes may be a violation of law, and, should such an attempt be made, Sponsor reserves the right to seek damages and other remedies (including attorneys' fees) from any such person to the fullest extent permitted by law. Sponsor's failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

Selection of Winner: On or about July 10, 2011, a random drawing will be conducted by Cottonwood Enterprises, Inc., an independent sweepstakes administrator, from among all valid entries received during the Sweepstakes Period, and all decisions of Sponsor or Administrator shall be final and binding in all respects. Odds of winning a prize depend upon the total number of valid entries received. Potential Prize winner will be notified by traceable overnight courier on or about July 15, 2011. Potential Prize winner will be required to sign an Affidavit of Eligibility/Release of Liability/Publicity and Advertising Consent and Release (except where prohibited by law) and such other documents reasonably required by Sponsor. All such documents must be signed and returned within ten (10) days of prize notification or prize will be forfeited and an alternate winner selected. Return of any prize notification as undeliverable will result in disqualification. Cottonwood Enterprises, Inc. will attempt to notify by email a potential prize winner for whom Sponsor does not have full contact information. Such potential prize winner will be required to provide his/her complete name and mailing address to upon email notification. If the potential winner fails to respond to the initial notification attempt and/or provide his/her name and mailing address information within 48 hours of notification, the entrant will be disqualified and an alternate potential winner will be selected. Allow 6-8 weeks for prize delivery. Potential winner is subject to verification before the prize will be awarded. In the event that a potential winner is disqualified for any reason, an alternate winner will be selected in a random drawing from all eligible entries received during the Sweepstakes Period. The Sweepstakes participant is solely responsible for entering the Sweepstakes during the Sweepstakes Period and properly claiming a prize if selected as a winner. The reporting and payment of any tax liabilities (federal. state and local) incurred by a prize winner as a result of this Sweepstakes are the sole responsibility of the winner.

Prizes: One (1) Prize: $10,000 paid in the form of a check.

Conditions of Participation & Certain Restrictions: No substitution or transfer of prize will be allowed. A participant who is notified that he or she has won is a potential winner until Sponsor determines, in its sole discretion, that the participant is eligible to win in accordance with these Official Rules.

Privacy: By entering, entrants specifically acknowledge and agree that Sponsor or any of its affiliates, subsidiaries, divisions, wholesales, retailers or distributors or advertising and promotion agencies may utilize information obtained from entrant in order to contact entrant and/or to offer their products or services or for other promotional purposes, including online announcements and as otherwise permitted in their privacy policies. For further information, please refer to the Privacy Policy at http://www.equifax.com/privacy_policy/en_us. By accepting a prize, entrant/winner specifically acknowledges and agrees that Sponsor and/or the Sweepstakes Entities and/or their designees is permitted to use the winner's name, address, photograph, testimonial or other likeness and/or prize information for promotional, advertising and/or publicity purposes in any media, now or hereafter known throughout the world in perpetuity, without compensation or notice to, or further consent of, to the winner to the extent permitted by law.

Governing Law: This Sweepstakes and these Official Sweepstakes Rules shall be governed by and construed in accordance with the laws of the State of Georgia without reference to conflicts of law principles. All actions, proceedings, or litigation relating hereto will be instituted and prosecuted solely within the City of Atlanta and County of Fulton, Georgia.

Winner's List: For a list of winners, send a stamped, self-addressed envelope to "David Bach Debt-Free Challenge Winner's List Request," PO Box 11507, Bozeman, MT 59719-1507 to be received by July 31, 2011.

Sponsor: Equifax Consumer Services, LLC, 1550 Peachtree Street, NW, Atlanta, GA 30309

Promotion Agency: BKV: 3390 Peachtree Road, 10th Floor, Atlanta GA 30326.

Administrator: Cottonwood Enterprises, Inc. 3224 Hidden Springs Ln., Bozeman, MT 59715.