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CASHFLOW® 202 THE E-GAME Readme

--------------------------------------------------------------------------------TABLE OF CONTENTS--------------------------------------------------------------------------------

1. SYSTEM REQUIREMENTS2. INSTALLATION3. LAUNCH CASHFLOW® 202 THE E-GAME4. GAME RULES5. WINNING THE GAME6. MAIN MENU7. PARTS OF THE GAME8. SPACES ON THE RAT RACE9. SPACES ON THE FAST TRACK10. ADDITIONAL INVESTMENT STRATEGIES IN CASHFLOW® 20211. PLAY CASHFLOW® 20212. THE BANK13. MORE GAME INFORMATION14. GLOSSARY15. HOTKEYS16. TROUBLESHOOTING17. CUSTOMER SERVICE18. LEGAL INFO

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--------------------------------------------------------------------------------1. SYSTEM REQUIREMENTS--------------------------------------------------------------------------------

WINDOWS® 95/98/2000/Me/XP CD-ROM----------------------------------------Processor: 400 MHz Pentium II (700MHz or better recommended), RAM: 64 MB (128MB or higher recommended), Monitor: 1024x768 or better, 16 bit color or better, OpticalMedia: 2x DVD-ROM or 24x CD-ROM drive, Hard Disk: 825 MB for minimum install.Digital video Playback: Requires QuickTime 5 or better (installer for QuickTime 6included with the original CASHFLOW® THE E-GAME), Video Card/Audio Card:Windows compatible, Connectivity: For online multi-player: Internet connection using56K modem or better.

MAC CD-ROM----------------------------------------Processor: 400 MHz G3 or better, RAM: 64 MB with Virtual memory enabled (128 MBor higher recommended), Monitor: 1024x768 or better, Thousands of colors or better,OS: MacOS 8.6 or higher, Optical Media: 2x DVD-ROM or 24x CD-ROM drive, HardDisk: 600 MB for minimum install, Digital Video Playback: Apple QuickTime 5 orbetter, Video Card/Audio Card: Built-in, Connectivity: For online multi-player: Internetconnection using 56K modem or better.

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--------------------------------------------------------------------------------2. INSTALLATION--------------------------------------------------------------------------------

NOTE: YOU MUST HAVE CASHFLOW® THE E-GAME (101) INSTALLED ONYOUR COMPUTER’S HARD DRIVE TO BEGIN INSTALLATION FORCASHFLOW® 202 THE E-GAME. THE CD’S FROM 101 WILL ALSO BEREQUIRED TO COMPLETE INSTALLAION AND YOU WILL BE PROMPTEDWHEN NEEDED.

PC Installation----------------------------------------1.) Insert the CASHFLOW® 202 CD into your CD-ROM drive. If AUTOPLAY* isenabled, a title screen should appear – proceed to STEP 4.

*AUTOPLAY is a feature that automatically starts an application after storagemedia is loaded into a PC. For example: when you place a CD into the CD-ROMdrive and your AUTOPLAY is enabled, it will automatically begin to read the CDand launch the installation process.

2.) If auto-play is not enabled, double-click on the MY COMPUTER icon on yourdesktop.

3.) Next, double-click on your CD-ROM icon to install the game. If the install screen stilldoes not appear at this point, locate the SETUP.EXE file in the install folder for your CD-ROM drive and double-click on it.

4.) Follow the remaining on-screen instructions to finish game installation.

Mac Installation----------------------------------------From the MAC INSTALL CD it is recommended that you drag the CASHFLOW 202folder next to the original CASHFLOW folder onto your hard drive. If you want betterperformance you can copy the files and folders on the Play CD into the newCASHFLOW folder on your hard drive, but it is not required.

Laptop Installation----------------------------------------For LAPTOP installation follow the SAME directions listed above based on the type ofsystem you have, i.e., PC Laptop or MAC Laptop. Your Laptop MUST meet the SAMEsystem requirements listed in Section 1.

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--------------------------------------------------------------------------------3. LAUNCH CASHFLOW® 202 THE E-GAME--------------------------------------------------------------------------------

PC----------------------------------------NOTE: YOU MUST HAVE THE CASHFLOW® 202 PLAY CD IN YOUR CD-ROM DRIVE TO BEGIN GAME PLAY.

When installation is complete, a CASHFLOW® 202 THE E-GAME short-cut icon willappear on your desktop. DOUBLE CLICK the CASHFLOW® 202 THE E-GAME ICONfrom your desktop to launch the game.

You may also launch the game by clicking the START button on your task bar. ClickPROGRAMS, CASHFLOW® 202, then CASHFLOW® 202 ICON.

MAC----------------------------------------NOTE: YOU MUST HAVE THE ORIGINAL CASHFLOW® THE E-GAME PLAYCD IN YOUR CD-ROM DRIVE TO BEGIN GAME PLAY.

Double click on the application called CASHFLOW® 202 in the CASHFLOW® 202folder on your hard drive.

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--------------------------------------------------------------------------------4. GAME RULES--------------------------------------------------------------------------------

The Rat Race----------------------------------------Each Player will start in the Rat Race. The wheel of the Rat Race represents the life ofmost people who spend their time going around in circles and never getting aheadfinancially.

Getting out of the Rat Race----------------------------------------CASHFLOW® THE E-GAME (101): In order to get out of the Rat Race your PassiveIncome must be GREATER than your TOTAL EXPENSES. To do this, you must buyinvestments which give you Cash Flow (or passive income).

CASHFLOW® 202 THE E-GAME: To get out of the Rat Race your Passive Incomemust be EQUAL to or GREATER than TWO TIMES your TOTAL EXPENSES.

For example: As the Truck Driver, you have Total Expenses of $1,620. Your PassiveIncome must be equal to or greater than $3,240 before you can exit the Rat Race. Tocreate Passive Income, you must buy investments which give you Cash Flow.

YOUR 1ST GOAL: GET OUT OF THE RAT RACE AND ONTO THE FAST TRACK.

The Fast Track----------------------------------------The Fast Track is the outer track in the game – it is also where the rich play the game ofmoney in life. Once you’ve moved from the Rat Race to the Fast Track your goal is:

CASHFLOW® THE E-GAME (101):1.) Buy your dreamOR2.) Accumulate $50,000 in Fast Track Cash Flow by buying Fast Track businesses.

CASHFLOW® 202 THE E-GAME:1.) Accumulate $50,000 or more in Cash Flow from businesses bought on the Fast TrackAND2.) Buy your dream OR any two other dreams.

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--------------------------------------------------------------------------------5. WINNING THE GAME--------------------------------------------------------------------------------

CASHFLOW® THE E-GAME (101)----------------------------------------In CASHFLOW® 101 you WIN the game if you are the first Player to increase your FastTrack monthly Cash Flow by $50,000 OR if you are the first Player to buy your ownDREAM.

CASHFLOW® 202 THE E-GAME----------------------------------------In CASHFLOW® 202 you WIN the game if you are the first Player to increase your FastTrack monthly Cash Flow by $50,000 AND buy your own DREAM OR any two others.

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--------------------------------------------------------------------------------6. MAIN MENU--------------------------------------------------------------------------------

After completing installation and upon launching the game, you can now choose from theMAIN MENU for the type of game you prefer to play as well as additional gameoptions.

Learn to Play----------------------------------------LEARN TO PLAY is a tutorial created to teach you the mechanics of the game andwhere to get information during game play. We suggest that you go through the tutorial atleast once before you play a game.

Load Saved Game----------------------------------------This will allow you to LOAD and resume play of a previously saved game.

Single-Player Game----------------------------------------Click on the SINGLE-PLAYER game to play by yourself and a selected number of“computer” Players. You can choose between 1 and 4 computer Players for a maximum 5Players including yourself.

Multi-Player Game----------------------------------------MULTI-PLAYER game feature is for online game play via the Internet. This will allowyou to play and compete with up to 5 CASHFLOW® gamers across the world.

The online multi-player game requires a paid subscription at RichDad.com. Once youhave completed the registration/subscription process you can then log into the onlinemulti-player game section by entering the same login and password you used during theINSIDERS registration process.

For paid subscription information or to activate the online multi-player feature, go to:http://gameregistration.richdad.com. You can also Click the JOIN INSIDERS button onthe game screen.

Hot-Seat Multi-Player Game----------------------------------------This option is for “group” game play on ONE computer. A total of 5 Players are allowedincluding computer Players.

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Robert's Video Tips----------------------------------------Click here for the complete collection of Robert Kiyosaki videos with tips and helpfulinsights into game play.

Game Options----------------------------------------Click here to control items such as:

Volume Control – Use the sliding adjustment to increase or decrease the level ofvolume.

Music On/Off – Choose to turn the background music on or off.

Sound Effects On/Off - This turns the card sounds and transition sound effects on or off.Please note: This does not turn off the talking or comments from Red E. Rat™, Timid T.Turtle™ or Why Lee Weasel™.

Fast Animations On/Off – This will change how quickly the rat animations play. It willmove game play much faster in a single-player game.

Win Conditions – This allows you to change to win conditions for game play. Chooseeither the 1st or 2nd Player that gets out of the Fast Track.

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--------------------------------------------------------------------------------7. PARTS OF THE GAME--------------------------------------------------------------------------------

THE FINANCIAL STATEMENT

Your Financial Statement has two important parts associated with it – the INCOMESTATEMENT and BALANCE SHEET.

The Income Statement----------------------------------------Tracks all the money you make (Earned Income and Passive Income) and all the moneyyou spend (Expenses) on a monthly basis. This is the bottom-line on your currentfinancial situation because it shows whether you're making money or losing money on amonthly basis. Your Income Statement is shown on the left side of the computer screen.

The Balance Sheet----------------------------------------Shows all the items you own (Assets) and all the money that you owe (Liabilities) tosomeone else. These items are displayed at the bottom of the computer screen.

Income - Money that flows into your pocket each month is your income. If this moneycomes from Assets that you own, then it’s considered Passive Income. If it comes fromyour job as an employee, it’s considered Earned Income.

Expenses – Money that is spent each month are called Expenses. These include the costof liabilities and can also be items such as clothing, groceries, car payment, etc.

Asset - Something that puts money in your pocket with minimum labor from you. Forexample; Rental Properties, Stock Dividends, Businesses that someone else runs for you.

Liability - Something that takes money out of your pocket on a monthly basis. Someliabilities are necessary expenses. For example: cars (which aren't rented), boats, andyour own home mortgage.

UPDATING YOUR FINANCIAL STATEMENT

Adding Items----------------------------------------When it comes time to add items to your Financial Statement you'll be asked to drag eachitem over to the correct position. To do this, click on the item and hold down your mousebutton while dragging that item to the section in your Financial Statement in which itbelongs. If you aren't sure where something belongs, click on the help button.

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Removing Items----------------------------------------When it comes time to REMOVE items from your Financial Statement a box will pop upto prompt you. Simply find the specific item on your Financial Statement, click on thatitem – a RED line will cross out that item to be removed. You must also click on theAuto-Sum buttons to recalculate the totals in each section.

For example: You’ve landed on the Market Space. You own a 3/2 house and want to sellthe 3/2 house under the conditions described.

Locate the 3/2 property you wish to sell in the:1.) INCOME section under REAL ESTATE. Click to cross-out with a red line.

2.) ASSETS section under REAL ESTATE. Click to cross-out with a red line.

3.) LIABILITIES section under RE MORTGAGE. Click to cross-out with a red line.

4.) Click the AUTO-SUM buttons to re-calculate the totals in each section.

5.) Click CONFIRM.

Auto-Sum Buttons----------------------------------------Anytime you add or remove an item that will affect your Income, Expenses or Cash Flowyou need to click on the AUTO-SUM button to finish updating your sheet. These arepurple buttons displayed to the left of the Income, Expense and Cash Flow text on yourstatement.

Auditor----------------------------------------It’s important to continually audit your Financial Statement. The computer will warn youif you’ve made an error and automatically reset any items that are in the incorrectposition. You will then be required to make the correction with that specific item beforeproceeding with game play.

Dice----------------------------------------When it’s your turn, simply click the ROLL DICE button. When it’s your opponents turn,you will click the CLOSE button. (Why? This keeps you in the game and aware of whatdeals or obstacles other Players face.)

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--------------------------------------------------------------------------------8. SPACES ON THE RAT RACE--------------------------------------------------------------------------------

Paycheck Square (Yellow Space)----------------------------------------Each time you either go past or land on a PAYCHECK space you get the amount of yourcurrent total income (earned and passive incomes) minus expenses. This is your NETMONTHLY CASHFLOW on your Income Statement. Unlike the board game, yourpaycheck is automatically added to your cash on hand.

Baby Square (Purple Space)----------------------------------------A new arrival to your family! Landing on this space will now add a pre-determinedadditional monthly expense. A maximum of 3 children per game.

Downsized Square (Purple Space)----------------------------------------Landing on DOWNSIZED means you have temporarily lost your job. Pay the bank 1payment of your TOTAL EXPENSES. You are not out of the game - you will lose yournext 2 turns. You are still allowed to buy or sell stock and real estate if offered to you byanother Player. This also ends the affect of a Charity donation.

Charity Square (Gold Space)----------------------------------------CHARITY is the act of giving to others. Upon landing on the Charity space, you maychoose to give 10% of your TOTAL INCOME (earned & passive incomes) to Charity(the bank) in exchange for the use of 2 dice on each of your next 3 turns.

Opportunity Square (Green Space)----------------------------------------Part of learning how to invest involves learning where to find your opportunities.

In CASHFLOW® 101 when you land on an Opportunity space you will choose between aBIG DEAL or a SMALL DEAL. They include a variety of investment opportunities thatwill help you with your goal of getting out of the Rat Race. Small Deals are investmentsthat typically require a down payment (cash on hand) of $5,000 or lower. Big Dealinvestment opportunities will begin with a $6,000 down payment (cash on hand) orhigher.

In CASHFLOW® 202 the Opportunity space now offers Players the choice betweenCAPITAL GAIN DEALS and CASH FLOW DEALS. Both Capital Gain Deals and CashFlow Deals will include all three assets classes including businesses, real estate, andpaper assets. While Capital Gain Deals will typically generate cash – Cash Flow Dealswill bring you passive income.

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Note: Opportunities are, therefore, separated by the intended outcome, not by the size ofthe deal as in CASHFLOW® 101.

Doodad Square (Pink Space)----------------------------------------DOODADS are the unexpected and often unnecessary items of which most people spendtheir money. Doodads are mandatory, not optional in the game. You may pay cash,borrow from the Bank (see Bank Loans), or purchase on your credit card to pay Doodadexpenses.

In CASHFLOW® 202 DOODADS can be substantially higher and also include monthlymaintenance fees that add to your TOTAL EXPENSES.

Market Square (Blue Space)----------------------------------------Landing on a MARKET space gives the Player or Player’s the opportunity to sell anyASSETS acquired during game play. Keep in mind if you sell any ASSETS that currentlygive you monthly Cash Flow (passive income), you will lose upon selling it.

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--------------------------------------------------------------------------------9. SPACES ON THE FAST TRACK--------------------------------------------------------------------------------

CASHFLOW® Day (Yellow Space)----------------------------------------Each time you land on or pass CASHFLOW® DAY you receive your new CASHFLOW®

Day Income from the Bank.

Business Investments (Green Space)----------------------------------------These are BUSINESS OPPORTUNITIES / INVESTMENTS for you to increase yourCASHFLOW® Day income.

Dreams (Pink Space)----------------------------------------CASHFLOW® 101If you land on your chosen DREAM and have the cash to purchase it, you’ve just won thegame. If you land on another Player’s chosen Dream; you have just increased the cost ofthat Dream to that Player by 100% of its original cost.

CASHFLOW® 202To win - if you land on your chosen DREAM and have the cash you should purchase it(if you also have $50,000 in CASHFLOW DAY INCOME) you win the game. Landingon and purchasing two other dreams, plus $50,000 in CASHFLOW DAY INCOME willalso win you the game. If you land on another Player’s chosen Dream - purchase thatDream if you have the available cash and the cost of that Dream has now increased 100%to any additional Players that land on it.

Charity (Orange Space)----------------------------------------CHARITY is optional. If you choose the Charity option you will pay 10% of your TotalIncome (Earned and Passive incomes combined), then you may roll 1, 2 or 3 dice for therest of the game. You may select a different number of dice each time you roll.

Tax Audit (Purple Space)----------------------------------------Land on TAX AUDIT and pay out 1/2 your cash on hand.

Divorce (Purple Space)----------------------------------------Lose all your cash on hand.

Lawsuit (Purple Space)----------------------------------------This will cost you 1/2 your cash on hand.

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--------------------------------------------------------------------------------10. ADDITIONAL INVESTMENT STRATEGIES IN CASHFLOW® 202--------------------------------------------------------------------------------

RAT RACE INVESTMENT STRATEGIES

The following are new investment strategies added to the game giving Players morediversity and opportunities in CASHFLOW® 202.

Stock Options in CASHFLOW® 202----------------------------------------CASHFLOW® 202 introduces the strategy of buying Stock Options. There are two typesof stock options used in CASHFLOW® 202; CALL OPTIONS (also known as Calls) andPUT OPTIONS (also known as Puts). In CASHFLOW® 202, 1 Option represents 100shares of stock.

Stock Ticker----------------------------------------When you're playing a CASHFLOW® 202 game the stock market works a bit differently.The major change is that stocks will change in price with every turn. You can see thecurrent price of a stock in the STOCK TICKER or you can check to see what a stock hasdone in the past by clicking on the CHECK STOCKS button.

Another important feature in CASHFLOW® 202 is the ability to sell a stock you own atany time (you no longer need to wait for the stock card to come up again). So be sure towatch the STOCK TICKER to see where the stocks are currently trading.

What are Stock Options?Options allow, but do not require, a person to buy or sell shares of stock at a later time ata pre-determined price.

With CALL OPTIONS (Calls), the buyer is expecting the price of the stock shares to goup. With PUT OPTIONS (Puts), the buyer is expecting the stock price to go down.(Hint: remember the phrase "call up, put down").

There are 5 components that make up an option. They are:1.) The NAME of the stock.2.) The TYPE of option (Call or Put).3.) The PRICE of the option.4.) The LENGTH OF TIME (or life) of the option – there is a set time when the optionmust be exercised, or acted upon.5.) The STRIKE (or exercise) PRICE – this is the price that the option holder may buy orsell the stock shares for at a later date.

On a CALL OPTION, the buyer pays a price per share for the option (the price of theoption) to buy those shares at a later date (life of the option) for a pre-determined amount

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(strike price). If the stock price trades at more than the strike price, the option holder maybuy the stock shares at the strike price and at the same time sell the same shares at thecurrent market price, thus making a profit.

FOR EXPAMPLE: XYZ stock has a current market price of $40 per share. A buyer pays$4 per share for the Call Option to purchase XYZ stock at a later date for $50. In this casethe buyer, or option holder, is anticipating that the price of XYZ stock will go up. If thestock price goes to $60 per share then they can exercise the option and pay $50 per shareand immediately sell those shares for $60 per share. The net profit is $60 - $50 - $4 (theprice of the option) = $6 per share.

On a PUT OPTION, the buyer pays for the stock option and instead of making a profit ifthe stock price goes up, the buyer makes a profit if the stock price goes down. If the shareprice falls below the pre-determined price (strike price) the option holder may sell sharesat the strike price and buy the shares at the lower market price.

FOR EXAMPLE: XYZ stock has a price today of $40 per share. A buyer pays $4 pershare for the Put Option to sell XYZ stock at a later date for $30 per share. In thisscenario the option holder is anticipating that the price of XYZ stock will go down. If thestock goes to $20 per share then the option holder exercises the option. The buyer thensells shares at $30 per share and buys shares at the current price of $20.00. The net profitis $30 - $20 - $4 (price of the option) = $6 per share.

When do you use options?When you think a stock’s price will RISE RAPIDLY, you would consider buying aCALL OPTION. When you think a stock’s price will FALL RAPIDLY, you wouldconsider buying a PUT OPTION.

When would an option holder incur a loss?If the stock price does not move above the strike price, the Call Option would beworthless. You simply let the Call Option expire and you lose the amount you paid forthe option.

If the stock price does not fall below the strike price, the Put Option would be worthless.Your Put Option would expire and you would lose what you paid for the option.

Remember, to determine whether you made a profit or a loss on an option, you mustalways take into account the price you paid for the option.

Note: The subject of options and option trading are vast and complex subjects. In real life there are manycombination option plays aimed at limiting risk, assuring an acceptable profit, and profiting from changesin market volatility. These are not part of CASHFLOW® 202. This explanation of options has beensimplified to convey only the basics of the simplest uses of options. We suggest seeking further informationas well as seeking competent advice before making any investment decisions.

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Buying Options in CASHFLOW® 202:Buying a CALL OPTION (CALL) or a PUT OPTION (PUT) on a specific stock beginswhen you:

1.) Landing on the OPPORTUNITY Space.

2.) CLICK on a CAPITAL GAIN DEAL. This permits ONLY the Player “drawing thecard” to buy the CALLS or PUTS. The card states the COST of the Option, the STRIKEPRICE, the time period (LIFE) of the Option, and the maximum NUMBER OF SHARESthe Player may buy Options on.

3.) READ the card details thoroughly.

4.) ENTER the number of stocks you would like to purchase.

5.) Click BUY to proceed. (Or CANCEL to decline the purchase.)

6.) CLICK and DRAG the number of units and price per share to the ASSETS columnunder the Stocks/Mutual’s/CD’ section and CLICK CONFIRM.

Note: Options can only be purchased in lots of 100 shares. The maximum number ofshares a Player can purchase Options on is 5,000.

The Time Period or Life of Call and Put Options:If you buy CALL or PUT Options you have a limited amount of time after buying theoptions to exercise, or act upon it. The amount of time remaining is displayed in the Assetsection under Stocks/Mutual’s/CD’s in parenthesis next to each stock purchased. Thenumber symbolizes the number of “turns” or “rolls of the dice” before your CALL orPUT expires.

For example:Options Days Left ( ) No. of Options Cost/ShareXYZ (3) 100 $2.00

Remember that stocks will change in price with every turn Players make. You can see thecurrent price of a stock in the STOCK TICKER (above Liabilities column) or you cancheck to see what a stock has done in the past by clicking on the CHECK STOCKSbutton (above the Asset column).

Exercising your Call Options:If the stock you are holding a CALL OPTION on trades at more than the strike price, youmay choose to exercise, or act upon, your Call Options. You may also wait in anticipationthat the stock price will go higher.

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If you decide to exercise your Call Options then do the following:1.) Click on the CHECK STOCKS tab.

2.) Click to highlight the Option symbol for which you would like to exercise.

3.) Click MODIFY POSITION.

4.) ENTER the number of Options to sell.

5.) Click SELL ALL, SELL or PASS ON DEAL (if you’ve changed your mind).

6.) A box will appear giving you the details of the Options transaction, Click OK.

Exercising your Put Options:If the stock you are holding a PUT OPTION on trades at less than the strike price, youmay choose to exercise, or act upon, your Put Options. You may also wait in anticipationthat the stock price will go lower.

If you decide to exercise your Put Options then do the following:1.) Click on the CHECK STOCKS tab.

2.) Click to highlight the Option symbol for which you would like to exercise.

3.) Click MODIFY POSITION.

4.) ENTER the number of Options to sell.

5.) Click SELL ALL, SELL or PASS ON DEAL (if you’ve changed your mind).

6.) A box will appear giving you the details of the Options transaction, Click OK.

If I am holding CALL OPTIONS, what if the stock price never goes ABOVE thestrike price in the allowed number of turns?If this happens then your Call Options have EXPIRED and are worthless. You receive nocash.

If I am holding PUT OPTIONS, what if the stock price never goes BELOW thestrike price in the allowed number of turns?If this happens then your Put Options have EXPIRED and are worthless. You receive nocash.

How do STOCK SPLITS affect CALL Options?If a stock splits 2 for 1, then the number of shares you have optioned doubles. The costper option is cut in half. The strike price is cut in half.

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For example, if you bought Calls on 200 shares of OK4U, at $1 per option, at a strikeprice of $20, and the OK4U stock splits 2 for 1, then you now have options on 400 sharesof OK4U, at a cost per option at $0.50, and the new strike price is now $10.

How do STOCK SPLITS affect PUT Options?If a stock splits 2 for 1, then the number of shares you have optioned doubles. The costper option is cut in half. The strike price is cut in half.

For example, if you bought Puts on 200 shares of OK4U, at $2 per option at a strike priceof $40, and the OK4U stock splits 2 for 1, then you now have options on 400 shares ofOK4U, at a cost per option at $1, and the new strike price is now $20.

Short Sales----------------------------------------CASHFLOW® 202 THE E-GAME introduces the concept of the SHORT SALE, alsoreferred to as "shorting a stock."

What is "SHORTING a stock"?“Selling Short" or "Shorting a stock" is a strategy for making profits in a decliningmarket or on the decline of an individual stock. A person who shorts a stock borrowsshares of a stock from a broker and then sells the shares at the market. The person isanticipating that the stock price will fall so that he/she can buy the stock at a cheaperprice and then return the shares he/she borrowed at a later date. If you short a stock youare actually selling the borrowed shares today and then buying and returning the shares ata later date. When you short a stock you profit if the stock price goes down.

Note: When you short a stock, you owe the stock you borrowed. You do not owe money.

Why would I SHORT a stock?If you think a stock’s price will go down, shorting allows you to make a profit by sellingit today and buying it back (ideally at a cheaper price) in the future.

What happens if I SHORT a stock, and the price of the stock goes DOWN?If the price of the stock that you Shorted goes down, then you go to the stock market andbuy the shares at the new lower price. The difference between what you sold the stock forand what you bought the stock for is your profit. If you buy it for less than you sold it for,then you make a profit.

For example: XYZ has a current market price of $50 per share. You think the stock willfall. You borrow 100 shares with the agreement to return the stock at a later date. Youthen sell those shares at $50 per share. The stock prices fall to $30 per share. You nowbuy the shares at $30 per share and return those shares to your lender. You made a profitof $20 per share, for a total profit of $20 x 100 shares, or $2,000.

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What happens if I SHORT a stock, and the price of the stock goes UP?If the stock price goes up, then you will be buying the stock for more that you sold it forand you will incur a loss.

In the above example, XYZ has a market price of $50 per share. You borrow 100 shares.Instead of going down, the stock price goes up to $60 per share. You have now sold thestock at $50 per share and bought the stock at $60 per share. You have record a loss of$10 per share x 100 shares for a total loss of $1,000.

The bank will periodically review your SHORT positions and may issue a margin call onthem if the stock has gone up more that the amount of cash you have on hand. If thishappens, they will automatically buy back the entire position on your behalf and forceyou to take a bank loan for anything extra you might owe.

Note: This explanation of shorting a stock has been simplified for the purpose ofconveying the basic concepts of this strategy. We suggest seeking further information aswell as seeking competent advice before making any investment decisions.

What happens if I made a loss and do not have enough cash to pay for it?One fundamental rule of investing is to not risk more than you can afford to lose. (Is itwise to risk your mortgage payment on an investment?) In CASHFLOW® 202 if you donot have the cash to cover your stock shorting you MUST take a BANK LOAN.

Shares Split----------------------------------------Sometimes stocks will either SPLIT or REVERSE SPLIT depending on how well, orpoorly the company is doing.

When stocks SPLIT the number of shares you own of that company DOUBLE and theprice per share is cut in half.

When a REVERSE SPLIT occurs, the number of shares that you have is CUT IN HALF.

Business Bankruptcy----------------------------------------In CASHFLOW® 202 companies can go BANKRUPT (or reorganize) and the stockshares of that company go to zero. When this happens, all Players in the Rat Race holdingthe bankrupt company’s stock are affected immediately.

NOTE: Stock shares and Call Options become worthless. Put Options and Short Salesmay take a profit at the new price of $0 before trading is halted. In a bankruptcy orreorganization the company’s ending share price is zero.

The company may revive under new management with the same name and its shares maytrade again without formal notification to the Players. If a company revives itself, Players

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who lost their shares on the earlier bankruptcy or reorganization do NOT get their moneyor shares back.

Mutual Funds----------------------------------------Mutual Funds are a variety of stocks, bonds, or securities, grouped together and managedby a professional investment firm. Owners of these shares possess no direct ownershipvalue in the various Companies nor do they have any influence over how the investmentfirm invests the money. These are only giving you a more diverse investment for aninvestor to manage for you.

The advantage of mutual funds is that they allow an inexperienced investor to invest theirmoney without any former knowledge. The disadvantage is that without any control overthe investment is very difficult to tell what your returns will be.

Real Estate Options----------------------------------------An OPTION on REAL ESTATE means that a person can pay a small amount today forthe right (or option) to buy a piece of real estate at a later date at a set price.

For example: a person pays $10,000 today for the “option to purchase an apartmentbuilding in one year for $200,000. If in one year that apartment building is worth$210,000 or more, the person may exercise (act upon) the option and purchase thebuilding for $200,000. If the building is worth less than $210,000, then the personholding the option may choose not to purchase the property. In either case the personpays $10,000 for the option whether the option is exercised or not.

Real Estate offers growing opportunities for you to increase your passive income. Byputting a small amount of money down on the property you can create an asset that addsconsistent monthly income to your income statement.

Rental real estate can be an asset only when the rent received is more than all of theexpenses added together (such as mortgage payment, management cost, vacancy cost,repairs, taxes, etc.)

This means that you receive passive income from the property. If the rent is not enoughto cover the expenses, you must pay the amount not covered (negative cash flow) out ofyour pocket each month.

In CASHFLOW® 202, if a Player gets the opportunity to purchase an OPTION on REALESTATE, they are paying for the OPTION to buy a real estate deal in the future.

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When an Option on Real Estate card is drawn, the Player drawing it may:

1.) BUY the option.

2.) SELL the option for a negotiated fee to another Player.

3.) AUCTION the option for a pre-determined price to all Players.

4.) PASS on deal.

An option must be paid for when the option card is drawn for the cost listed on the optioncard. This cost is NOT part of the Down Payment on any future real estate purchased. If aPlayer buys an option card then that card is held by that Player (the option holder) until afew turns in the future when they will be presented with a property they can choosewhether or not to buy.

Real Estate Exchange Deal----------------------------------------One investment strategy in real estate is to sell a property when its value has risen andwith the profits purchase a larger property or properties. (You sold your property at aprofit and immediately reinvested all of it into a new property.)

In CASHFLOW® 202 this is called a REAL ESTATE EXCHANGE deal. If a Playerlands on the Market space and gets a Real Estate Exchange Deal, then that Player can, forno additional cost (no down payment), exchange the property listed.

For example: Real Estate Exchange Deal – Value of Duplex has increased and you areable to exchange up to a 4-Plex. 48% ROI, no cash needed. Record the values below, butpay nothing.Cost: $100,000 Mortgage: $80,000Down Pay: $ 20,000 Cashflow: +$800

Direct 2 You Company (D2U) (Network Marketing)----------------------------------------Network marketing companies can be a great way to start a part time business. For areasonable fee you may buy into an existing system and immediately start building yourbusiness. During game play you might have to opportunity to increase your Cash flowsubstantially.

For example: Spare Time Co. – You may join Direct 2 You (D2U), a direct distributioncompany. Good products, low starting income, growth prospects for learners and leaders.No promises and much opportunity.Cost: $200 Cashflow: $0

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All Risk Insurance----------------------------------------ALL RISK INSURANCE cards offer limited protection to your real estate propertiesagainst a variety of disasters. All risk insurance covers all real estate property owned bythe Player, as well as all properties in which the Player is a part owner.

All Risk Insurance cards may be bought ONLY when the card is actually drawn andONLY by the Player who draws the card. You cannot sell or auction these cards to otherPlayers.

FAST TRACK INVESTMENT STRATEGIES

Buying Another Player’s Business----------------------------------------As in CASHFLOW® 101, if you land on a BUSINESS you may purchase that businessfor the amount of the Down Payment listed. That business and its Cash Flow will beadded to your CASHFLOW® Day Income Record.

If a SECOND PLAYER lands on your Fast Track business, then the Player landing onyour business may purchase the business. You MUST sell if the Player wants to buy.

To purchase a business that is owned by another Player, you must pay 2 times the DownPayment listed on the board to the Player you are buying the business from.

For example: if the Down Payment listed is $150,000, then you pay $300,000 to thePlayer who previously owned the business. The amount of the Monthly Cash Flow of thebusiness does not change. The business and the Cash Flow will automatically be addedto the new owners CASHFLOW® Day Income Record.

The Player who previously owned the business will now lose that business income andthe Cash Flow will be automatically deducted from their CASHFLOW® Day IncomeRecord.

If a THIRD Player lands on that BUSINESS space and wants to buy the business, thatPlayer now pays 3 times the original Down Payment to the Player that currently owns thebusiness and the steps above are repeated.

For example:PLAYER A is the first Player to buy the Auto Repair Shop. Player A pays the downpayment of $150,000 and receives a Cash Flow of $6,000.PLAYER B lands on the Auto Repair Shop space and decides to buy it. Player B pays$300,000 ($150,000 x 2) to Player A. Player A loses the Auto Repair Shop and the$6,000 Cash Flow from their New CASHFLOW® Day Income Record.

PLAYER B’s CASHFLOW® Day Income Record will automatically reflect the AutoRepair Shop and the $6,000 Cash Flow.

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If PLAYER C later lands on the Auto Repair Shop and wants to buy it, then Player Cpays Player B three times $150,000 (or $150,000 x 3 = $450,000). Players C & B followthe steps outlined above. In this case, Player C’s new Cash Flow would still be $6,000.

There is no limit to how many times a business may be bought or to the amount paid forthat business.

Franchising Your Business----------------------------------------If you own a FAST TRACK BUSINESS and land on that same Fast Track business spaceagain on a subsequent turn, you may franchise your business and increase yourCASHFLOW® Day Income. You may only add one franchise at a time to your businessfor each time you land on your business space.

To franchise your business, once you land on a space with a business you already own,do the following:1.) Pay the Bank the amount of the Down Payment listed.

2.) Your CASHFLOW® Day Income record will be automatically updated with the CashFlow and Franchised business name listed.

If you land on your business again you can add another franchise.

If another Player lands on a Franchised business, that Player may purchase the businessand the franchise from the other Player.

To purchase the BUSINESS and the FRANCHISE the new buyer must:

1.) Pay for the business or the Down Payment listed.

2.) PLUS any additional number of times other Players have purchased that samebusiness (down payments).

PLUS THE COST OF EACH FRANCHISE

3.) Pay the Franchise Down Payment listed.

4.) PLUS any additional number of times other Players have purchased that sameFranchised business (down payments).Players can only purchase the business AND the franchise(s). The business and thefranchise cannot be purchased separately.

For example:If the Auto Repair Shop was franchised one time by the original owner, it would havetwo “purchases”; ONE from the initial purchase of the business and ONE from theFranchise.

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If a Player lands on the Auto Repair Shop and wants to purchase it - then that Player paysthe owner the Down Payment of $150,000, PLUS, $150,000 x 1 (business purchase), fora total of $300,000 for the business.

Now, the Player must also pay: the Down Payment of $150,000, PLUS $150,000 x 1(franchise), for a total of $300,000 for the franchise.

The grand total would be $600,000 for the business and the franchise. The new ownerwould receive the Cash Flow listed on the board for both the BUSINESS and theFRANCHISE, which is $6,000 x 2 (only a Franchise increases Cash Flow), or $12,000.

The previous Player loses the Auto Repair Shop BUSINESS, the FRANCHISE, and therelated CASH FLOW from their New CASHFLOW® Day Income Record.

Note: Some Business opportunities on the Fast Track will not be eligible for Franchisingfor example, the Gold Mine, Oil Deal, Infomercial and IPOs .

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--------------------------------------------------------------------------------11. PLAY CASHFLOW® 202--------------------------------------------------------------------------------In CASHFLOW® 202 each Player begins with an Investment Portfolio. The InvestmentPortfolio contains Real Estate, Stocks and Cash. Players can have a combination of theseitems – may have all 3 or just 1.

Single-Player Game----------------------------------------1. Click on SINGLE-PLAYER GAME from the MAIN MENU.

2. Choose 101 GAME or 202 GAME.

3. Choose from 1, 2, 3 or 4 COMPUTER PLAYERS to join in your game play.

4. Select your DREAM from the list. To view additional Dream choices, CLICK THEARROW on the bottom right corner.

5. Once selected, click CHOOSE THIS DREAM to proceed. Your profession willautomatically be selected for you.

6. Click FEMALE or MALE.

7. ENTER YOUR PLAYER NAME in the space provided.

8. Click CHOOSE to proceed.

Multi-Player Game----------------------------------------1. Click on MULTI-PLAYER GAME from the MAIN MENU.

2. Enter your NAME. (This is your E-GAME HANDLE that you created during theINSIDERS subscription registration process.)

3. Enter a PASSWORD. (This is your E-GAME PASSWORD that you created during theINSIDERS subscription registration process.)

4. Select a REGIONAL SERVER.

5. Click on the CHOOSE SERVER AND PROCEED arrow.

Choose Your Game: Now you may START A NEW MULTI-PLAYER GAME or JOINA MULTI-PLAYER GAME playing either CASHFLOW® 101 or CASHFLOW® 202.

1. Click 101 E-GAME or 202 E-GAME.

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To Start a New Game----------------------------------------1. Click START NEW GAME.

2. Enter a GAME NAME. If you have other Players joining your game, you will need tolet them know what the name is.

3. Enter a GAME PASSWORD. This password will be required for each Player joiningyour game. If you do not want a password protected game, leave this blank.

4. Click to choose your VICTORY CONDITIONS:First Player to get out of the Fast TrackSecond Player to get out of the Fast Track

5. Click START NEW GAME button.

6. Select your DREAM from the list provided. To view additional Dream choices, clickthe arrow on the bottom right corner. Once your dream is selected, click CHOOSE THISDREAM button to proceed.

7. Click to select your GENDER. Your profession will be automatically chosen for youas a MALE or FEMALE character. (You must choose your Gender first, otherwise it willbe selected for you.)

8. If you’d like to ADD A COMPUTER PLAYER to your Multi-Player game play, clickthe ADD COMPUTER PLAYER ARROW on the left side of your screen. Otherwiseskip this option.

9. Click READY (to play) or Spectator (to watch). Each Player joining the game isrequired to click Ready or Spectator. Once all boxes are checked and each Player isready, you may proceed.

10. Click the BEGIN MP GAME button.

To Join a Game----------------------------------------1. Click on the NAME OF THE GAME that you’d like to join.

2. Select your DREAM from the list provided. To view additional Dream choices, clickthe arrow on the bottom right corner.

3. Once your dream is selected, click CHOOSE THIS DREAM button to proceed.

4. Click to select your GENDER. Your profession will be automatically chosen for youas a MALE or FEMALE character. (You must choose your Gender first, otherwise it willbe selected for you.)

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5. Locate your name from the list and click READY (to play) or Spectator (to watch).Each Player joining the game is required to click Ready or Spectator. The person whoSTARTED THE GAME is the only person who can click the READY MP GAME buttonto begin game play.

Hot-Seat Multi-Player Game----------------------------------------1. Click on HOT-SEAT MULTI-PLAYER GAME from the MAIN MENU.

2. Choose 101 GAME or 202 GAME.

3. Select the number of Hot-Seat Players - Players joining in game play around onecomputer. Select the number of Hot-Seat Players you have for this game, 2 to 5. (If youselected 5 Hot-Seat Players, you have reached the limit for total Players and will not haveto option to choose any Computer Players.)

4. Select the number of Computer Players you’d like to add. Choose from 1 to 3 or none.

Player 1:

5. Select your DREAM from the list. To view additional Dream choices, CLICK THEARROW on the bottom right corner.

6. Once selected, CLICK CHOOSE THIS DREAM to proceed. Your profession willautomatically be selected for you.

7. Click FEMALE OR MALE.

8. ENTER YOUR PLAYER NAME.

9. Click the CHOOSE to proceed to the next Player’s setup.

Player 2: Proceed same as Player 1Player 3: Proceed same as Player 1Player 4: Proceed same as Player 1Player 5: Proceed same as Player 1

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LANDING ON OPPORTUNITY----------------------------------------1. Choose either a BIG DEAL: CAPITAL GAIN DEAL or a SMALL DEAL: CASHFLOW DEAL. From there you can:

2. Click PASS ON DEAL if you do not want this Opportunity.

3. Click SELL TO PLAYER if you do not want this opportunity, but wish to sell it toanother Player for a price of your choice. (The financial details of the Opportunity remainthe same, you are only “Selling the Opportunity” to another Player.)

4. Click AUCTION if you do not want this opportunity, but wish to auction it to allPlayers for a minimum bid of your choice.

5. Click BUY OPPORTUNITY if you want this opportunity.

LANDING ON MARKET----------------------------------------In some cases, regardless of who lands on the MARKET Space, Player/s will have theopportunity to sell any assets.

1.) Click SELL to sell the assets of your choice.

2.) Click KEEP to hold on to your assets.

LANDING ON OR GOING PAST PAYCHECK----------------------------------------A card will pop up and notify you of a PAYCHECK. Your paycheck amount is yourcurrent Net Monthly Cash Flow. The money will automatically be added to your cash onhand.

LANDING ON BABY----------------------------------------You will now add the new BABY expense to your Expenses column and hit the AutoSum buttons to recalculate your Net Monthly Cash Flow.

LANDING ON DOWNSIZED----------------------------------------The bank will take a payment equal to your total Expenses. You now lose 2 turns.

LANDING ON CHARITY----------------------------------------You now have the option to donate to CHARITY. By selecting to donate you will give10% of your Total Income and have the opportunity of rolling one or two dice for thenext 3 turns.

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LANDING ON DOODAD----------------------------------------When you land on the DOODAD space you will have the following options to pay thisexpense:

1.) Pay from cash on hand2.) Pay by credit card3.) Pay by bank loan

In CASHFLOW® 202 DOODADS can be substantially higher and can also includemonthly maintenance fees that add to your TOTAL EXPENSES.

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--------------------------------------------------------------------------------12. THE BANK--------------------------------------------------------------------------------

Bank Loans----------------------------------------You can borrow money from the BANK at any time by clicking on the icon just aboveyour character at the top of the screen. When you borrow money it must be in $1,000increments. For each $1,000 it will cost you $100 per month. (This interest rate mightseem “exaggerated” – but in a real-life, the interest rate with should not affect theoutcome of a good investment opportunity.) By clicking on the piggy bank you can alsopay back loans as well as cash in CD's.

Note: You cannot borrow money (without an Opportunity deal) if it brings your CashFlow to a negative amount. However, you can still purchase Opportunities that require abank loan and bring your Cash Flow to a negative amount.

Personal Bankruptcy----------------------------------------You go bankrupt when your monthly Cash Flow (pay check) is negative and you don'thave enough cash on hand to cover the difference. If you have to declare bankruptcy youmust:

1.) SELL any number of assets you own for one half the down payment to the bank.

2.) Use those funds to PAY OFF debts until your income is greater than your expensesand your pay check is no longer negative.

Note: Do this before the bank forces you to sell ALL your assets. The screen will promptyou each time:

1.) CLICK to highlight the asset you choose to sell.

2.) Click to REMOVE (a red line will cross through the item) the items within eachsection on your Financial Statement.

3.) Click each of your AUTO SUM buttons to re-calculate.

4.) Use any of the proceeds from the sell and click REPAY LOANS.

Repeat the steps if you need to sell additional assets. If, after selling all your assets andyour monthly Cash Flow is positive:

1.) You lose your next 3 turns.If your Monthly Cash Flow still remains negative then you are officially OUT OF THEGAME.

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--------------------------------------------------------------------------------13. GET MORE GAME INFORMATION--------------------------------------------------------------------------------If you're not sure what to do next or would like to know what Rich Dad would have tosay about an opportunity there are lots of ways to get information in the game. Most ofthese items are displayed on the cards that come up during the game.

$ (Dollar Sign)----------------------------------------When you click on the $ in the Player boxes, you can access each Players FINANCIALSTATEMENT in a “snap-shot” view (including your own).

Auto-Sum----------------------------------------You must click on the AUTO-SUM button/s each time you ADD or REMOVE an itemthat will affect your Income, Expenses or Cash Flow. This will update each section ofyour Income Statement will the accurate numbers.

Bank Loan----------------------------------------Click on the “piggy bank” icon to borrow money from the bank. When you borrowmoney, it must be paid in $1,000 increments. For each $1,000 borrowed, your Bank LoanPayment will be $100. You will be required to add that amount to your monthlyexpenses.

(Bank) Re-Pay Loans----------------------------------------Click on the “piggy bank” to repay BANK LOANS. Highlight the loan you would like tore-pay and click OK. You will then need to update each section of your FinancialStatement by clicking to “cross-out” the appropriate item relating to re-payment of theloan.

Bankrupt----------------------------------------This indicates that you were not able to recover from BANKRUPTCY and are now out ofthe game.

Check Stocks Tab----------------------------------------Click here to view STOCK PERFORMANCE.

Within this section, you can also click the DOWN arrow to display individual stockperformance charts.

The SIDE arrows will display the stock performance of all the Players.

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Downsized----------------------------------------If you land on the DOWNSIZED space you pay your Total Expenses to the bank and loseyour next 2 turns. The DOWNSIZED icon will then be displayed to you and othersduring game play. It will no longer appear, once you’ve re-entered the game.

Help Text (?)----------------------------------------When you click on these buttons they'll tell you about the card and what decisions youhave to make there. If you're not sure where something goes or what all the buttons meanthis is the place to go. At the top left of the screen there's also another help button that hashelp on all the game rules and subjects.

Out of Game----------------------------------------This indicates that you are now OUT OF THE GAME due to your monthly Cash Flowremaining negative and not being able to recover from bankruptcy.

Passive Income Bar----------------------------------------This bar displays the level of PASSIVE INCOME each Player currently has to meet therequirements of getting out of the Rat Race.

Player/Profession----------------------------------------Clicking on the face of a character (profession) will display individual FinancialStatements for each Player. This applies to a Single-Player and Hot-Seat Multi-playergames.

During an Online Multi-Player game, clicking on the face of a character (profession) willdisplay a PLAYER PROFILE including: Username, City, State, Average Score, Numberof Games Played, High Score, Date of Last Game Played, Game Rank/Level,Subscription/Community Level, Date of 1st Game Played, and Highest Rank Ever &Date.

Stock Ticker----------------------------------------The STOCK TICKER allows you to view the current price of each stock. Keep in mindthat stock prices will change each time a Player (including yourself) rolls the dice.

TV & Lesson Icons----------------------------------------Anytime you see one of these two icons in the game it means that Robert Kiyosaki hasextra information available on the subject. By clicking on the TV ICON you'll see a videoof Robert talking about subject. Try clicking on both icons to see/hear what Robert has tosay!

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--------------------------------------------------------------------------------14. GLOSSARY--------------------------------------------------------------------------------

1031 Tax Deferred ExchangeA method of buying and selling real estate that allows you to defer payment of taxes onyour capital gains profit. (1031 refers to the U.S.A. Tax Code).

AssetSomething that puts money “in your pocket” with minimum labor.

Automated BusinessA business that runs primarily by technology, versus people.

Balance SheetA snapshot of your assets & liabilities.

Call OptionCall Options allow the holder to buy shares at a set price per share at a later date. CallOption holders are anticipating the price of the stock will go up.

CapitalCash or something of an agreed-upon value.

Capital Gain or LossThe difference between what you bought an investment for and what you sold it for, lessimprovements.

Cash FlowCash coming in (as income) and cash going out (as expenses). It is the direction of theCash Flow that determines whether something is income, expense, asset or liability. CashFlow tells the story.

Cash Offer vs. Financed OfferSomeone paying all the cash versus some paying a down payment and financing theremainder.

CCRCash-on-cash return. (See ROI)

Certificate of DepositA loan to government & businesses, issued through banks, with specified maturity datesand interest rates.

DividendA distribution of profits of a company to the shareholders.

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DoodadsExpenses, often unnecessary or unexpected, that simply take money out of your pocket.

Down PaymentA percentage of the purchase price an investor pays for an investment. The remainder ofthe price is then financed through other means.

ExchangeAn investment strategy that allows a person to sell a property whose value has risen, andwith the profits purchase a larger property or properties.

ForeclosureA bank or individual takes your property for non-payment of the mortgage.

Government Savings BondA loan an individual makes to the government in exchange for payment of interest on thatloan.

Income StatementA form showing your income and expenses over a period of time. Also called a profit &loss statement.

InflationAn economic situation where consumer prices rise.

IPOInitial Public Offering: the first time a company offers shares of stock to the generalpublic.

Investment PortfolioA list of all the investments owned by an investor.

LiabilitySomething that takes money out of your pocket.

Limited PartnershipA legal entity set up to hold assets. Allows limited liability for limited partners.

Long Term BondA financial instrument issued by a government or private company which promises topay back with interest over a number of years, the money borrowed from the buyer of theinstrument.

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MortgageIf you are financing your real estate, the property you are financing is used as collateralagainst the amount of money you are financing, or borrowing. The mortgage is thesecurity instrument.

Mutual FundA variety of stocks, bonds, or securities grouped together, managed by a professionalinvestment company and purchased by individual investors through shares. The sharespossess no direct ownership value in the various companies.

OptionAn option grants a person the right to buy or sell a security for a specific price per shareat later date.

Option on Real EstateAn “Option on Real Estate” means that a person can pay a premium today for the right tobuy a piece of real estate at a later date for a pre-determined amount.

Passive IncomeIncome generated from your investments such as interest, dividends and real estaterentals, with minimum work.

Put OptionPut Options allow the holder to sell shares at a set price per share at a later date. PutOption holders are anticipating the price of the stock will go down.

Reinsurance TrustInsurance companies frequently “reinsure” their policies with another company(reinsurance companies) in order to spread their risk in case of catastrophic losses. Thesecompanies are formed as trusts. The Cash Flow, profits and tax consequences flowthrough to the investor/owners>

REITReal Estate Investment Trust. Similar to a mutual fund that deals only in real estate.

ROIReturn on Investment. Return on capital, as a percentage, from an investment.Example: An apartment building costs $500,000. You pay $100,000 as a down payment.You have a monthly Cash Flow of $2,000. Your ROI is $2,000 x12, divided by $100,000or 24%.

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Short SaleAlso known as “shorting a stock.” A strategy for making profits in declining markets oron the decline of an individual stock. This occurs when an investor sells a borrowedsecurity knowing that he or she must replace the security by purchasing it in the future.The difference between the original sales price and the later purchase price is theinvestor’s gain or loss.

Stock ShareA share of stock that represents ownership in a corporation. The shareholders (thosepeople owning stock in the company) are the actual owners of the company.

Stock SplitThe number of stock shares you own increases and the price per share decreases. Stocksplits typically occur when a company is doing very well and wants to reduce the price ofits stock.

Stop Loss OrderA strategy that allows a person to automatically sell their shares of stock when the stockprice falls to a certain price.

SubdivideThe practice of dividing a large parcel of real estate into smaller portions and sellingthem separately.

Tax LienA legal claim on a property for unpaid taxes.

The MarketWhere products are bought and sold.

Trading RangeThe average high and low prices of an investment.

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--------------------------------------------------------------------------------15. HOTKEYS--------------------------------------------------------------------------------

The Return Key-----------------------------The return key will do a number of useful things for you. For example:

1.) Hitting the return key will ROLL the dice for you.

2.) It will CLOSE the window when other Players are rolling the dice.

3.) A card requiring a decision such as a stock purchase will always PASS on the deal.

While the return key is extremely useful for not having to hunt for buttons be careful notto hit it too fast. You wouldn't want to pass up any investment opportunities.

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--------------------------------------------------------------------------------16. TROUBLESHOOTING--------------------------------------------------------------------------------

For an updated list of troubleshooting topics for CASHFLOW® 202 THE E-GAME

http://www.richdad.com/egame

My Robert Video's Do Not Play-----------------------------In order to see the Robert Videos you need to have Quicktime version 5 or later installed.If you are on a PC and you chose not to install Quicktime during installation, theQuicktime 6 for windows installer is located on the Data CD in the WindowsFiles\QuickTimeInstaller folder. For Mac users the correct Quicktime version for yourversion of the OS can be downloaded at the quicktime website:

http://www.quicktime.com

The Video's in the Game are Choppy-------------------------------In order to keep the installation size smaller we don't install all of the videos. To improvethis performance you can try using a medium or full install on the PC. For the Mac, orthose users who have already installed and would prefer not to reinstall, you can drag thefiles GA1.dat and/or the Video folder located on the Play Disk directly into theCASHFLOW folder you installed on your hard drive.

I'm Running Mac OS 8.6 and I get a Sprockets Error------------------------------------------------------You need to install the GameSprockets files from Apple. These are available (for free) onthe Apple website but weren't included in version 8.6. To install these go to the URL(web address) listed below and search for GameSprockets.

http://www.info.apple.com/support/downloads.html

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--------------------------------------------------------------------------------17. CUSTOMER SERVICE--------------------------------------------------------------------------------

CASHFLOW® Technologies, Inc4330 N. Civic Center PlazaSuite 101Scottsdale, AZ 85251

Technical Support-------------------------------Tel: 877-250-PLAYE-mail: 202support@richdad.com

Rich Dad’s INSIDERS-------------------------------The online multi-player game requires a paid subscription at RichDad.com. Once youhave completed the registration/subscription process you can then log into the onlinemulti-player game section by entering the same login and password you used during theINSIDERS registration process.

For paid subscription information or to activate the online multi-player feature, go to:http://gameregistration.richdad.com. You can also Click the JOIN INSIDERS button onthe game screen.

Ordering Information-------------------------------See our website at: www.richdad.com or call our 24 hr. order center at 800-308-3585.

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--------------------------------------------------------------------------------18. LEGAL INFORMATION--------------------------------------------------------------------------------CASHFLOW® 202 introduces many complicated investment strategies. The explanationsand uses of these strategies have been simplified in CASHFLOW® 202 in order to teachthe basic concepts and make the learning fun. We recommend further education as wellas seeking competent advice before making any investment decisions.

The subject of options and option trading are vast and complex subjects. In real life thereare many combination option plays aimed at limiting risk, assuring an acceptable profit,and profiting from changes in market volatility. These are not part of CASHFLOW® 202.This explanation of options has been simplified to convey only the basics of the simplestuses of options. We suggest seeking further information as well as seeking competentadvice before making any investment decisions.

This product is protected under one or more of U.S. Patent Nos. 5,826,878, 6,032,957 and 6,106,300 toKiyosaki et al, (and corresponding patents in other jurisdictions), as well as the Copyright laws.Applications for additional patents in the United States and other countries are also pending. CTI herebyexpressly disclaims any licenses under its patents and copyrights that might be implied from the purchaseof a copy of the product; the product may be used ONLY in accordance with the terms and conditions of anexpress license. Among other things, the license limits use of the product to a single computer, andprecludes copying, reverse engineering, decompilation, and/or modifications. CTI hereby expresslydisclaims any licenses under its patents and copyrights that might be implied from the purchase of a copyof the product; the product may be used ONLY in accordance with the terms and conditions of an expresslicense. © 1999, 2001, 2002, 2003, 2004, [P] 2004, CASHFLOW® Technologies, Inc. All rights reserved. RichDad®, CASHFLOW®, Investing 101®, the BI Triangle and CASHFLOW Quadrant (ESBI Symbol) areregistered trademarks of trademarks of CASHFLOW® Technologies, Inc. The Little Mice designs, Red E.Rat, Timid T. Turtle, Why Lee Weasel are trademarks of CASHFLOW® Technologies, Inc.