1. Clarification of rules for competition services Definition: Competitions are services where the content provider/merchant gives out a prize to the person(s) who qualifies according to the rules of the competition, using his skills (not randomly determined). Examples: Quiz, knowledge games Clarification of rules: Combination of competition and other services is not allowed The content provider/merchant must deliver documentation of the service at the latest 24 hours after request from the MNO or mPayment. See specific requirements for the documentation on following slide. The MNOs or mPayment are reserving the right to contact the winners to verify the award of prizes. mPayment AS1

2. Rules for competitions continued The terms and conditions shall not be conceiled or undercommunicated by designing the marketing as a competition. The marketing shall also not give the end user the impression that they have already won a prize, when they must subscribe to a service to get a chance to win a prize According to the Marketing Control Act § 6 http://lovdata.no/all/tl-20090109-002-002.html In English: http://www.forbrukerombudet.no/id/11039810.0 and the Forskrift om urimelig handelspraksis punkt 31: http://www.lovdata.no/for/sf/bl/tl-20090601-0565-0.html.http://lovdata.no/all/tl-20090109-002-002.htmlhttp://www.forbrukerombudet.no/id/11039810.0 http://www.lovdata.no/for/sf/bl/tl-20090601-0565-0.html The competition must be a skill contest, not a random determination of winner(s) (that will be defined as a lottery) The rules for winning the prizes must be clear and understandable The rules and price must be communicated to the end user before he starts the service mPayment AS2

3. Requirements for documentation Requirements for documentation of competitions Marketing material marketing the service towards the end users charged (Print screen of web page, mobile phone app screen or print material) including terms and conditions List of persons who has won a prize in a given competition including the following details: Full name Mobile phone number Information of prize won Log of charge transactions with MNO CPA transaction id, date, time Log of MO SMS messages with date and time mPayment AS3