NG INTERNATIONAL LTD. END USER LICENSE AGREEMENT

NG International Ltd. (" NGI ") is a company registered in Malta for the purposes of operating online scratch card games. NGI provides online gaming services to You (the " NGI Services ") subject to the following terms and conditions contained within this end user license agreement (the " Agreement ") which should be read carefully by You in its entirety prior to Your use of the NGI Services or products. Please note that the Agreement constitutes a legally binding agreement between You and NGI. In addition to the terms and conditions of this Agreement, please review Our Security and Privacy Policy, Responsible Gaming Policy, Fair Play Policy, Cashout Policy, and Bonus Policy, as well as other rules, policies and terms and conditions relating to the games and promotions posted on Our Website, which are incorporated herein by reference, together with such other policies of which You may be notified of by Us from time to time.

Definitions

In this Agreement unless the context clearly indicates otherwise:

Free Practice Play	shall mean a play mode allowing a Player Account holder to play the RVG Games offered on the Website(s) for practice purposes. Playing in practice mode involves no betting of actual funds and entails no ability to win or lose any such funds, but is however subject to the same Player rules as Real Money Play;
RVG Game(s)	shall mean Free Practice Play and/or Real Money Play game(s) which can be played by Players holding a valid Player Account via our Website(s);
Game Procedures	shall mean any procedures or conditions issued by NGI in addition to this Agreement which apply only to a particular Free Practice Play and/or Real Money Play RVG Game;
Games Rules	shall mean the rules governing all Free Practice Play and Real Money Play games on the Website(s) including all relevant sections of this Agreement and as shown on the Game Procedures of each relevant RVG Game;
Interactive System	shall mean the software used on the Website(s) to activate and govern the outcome of Free Practice Play and Real Money Play games offered on the Website(s);
NGI Services	shall mean NG International Ltd.'s internet gaming system on the Website(s) and related services and gaming activities as offered and listed at its various Website(s);
Play	shall mean any real money purchase of one of our RVG Games for the purpose of betting online;
Player	shall mean any person over the age of eighteen holding a valid Player Account with NGI for the purpose of betting online;
Player Account	shall mean a personal account opened by an individual, solely for such individual, and maintained with Us to enable that person to play RVG Games on our Website(s) both for Practice Play Games and Real Money Games;
Real Money Play	consists of a play mode allowing a Player Account holder to play the RVG Games offered on the Website(s) which involves the betting of actual funds and the possibility of winning and losing such funds;
RVG	shall mean any individual offer to place a bet on Our Website(s) through the purchase of a random value generated representation;
RVG Game(s)	shall mean Free Practice Play and/or Real Money Play game(s) which can be played by Players holding a valid Player Account via our Website(s);
Us, We or Our	shall refer to NG International Ltd., NeoPoint Technologies, and/or any subsidiaries, affiliates, directors, officers, employees, agents and contractors of NG International Ltd., including NGI's White Label Partners;
User Name and Password	shall mean the Username and Password which you choose upon registration for any of Our Website(s) which is personal and may only be used by you for Free Practice Play Games and Real Money Play Games;
Website	shall mean any website owned, operated, affiliated or hosted by NG International Ltd. and any program or data file or any other content derived there from, that is required to be accessed or otherwise utilized by you enabling you to participate in the RVG Games for Free Practice Play and Real Money Play;
White Label Partner	shall mean an entity which is an owner of an Internet site to which NGI provides, in connection with online gaming, one or more of the following services: payment processing, customer support and/or any of NGI's online games.
You, Your or User	shall refer to the user of the Website(s) for Free Practice Play and/or Real Money Play games.

Legal Compliance

2.1	The availability of the NGI Services does not construe an offer or invitation by Us to use the Website(s) if you reside in a country or region in which such use is currently forbidden by law, or within any jurisdiction where NGI, in its sole discretion, elects not to offer NGI Services.
2.2	You accept sole responsibility for determining whether Your use of the Website is legal in the country/region where You live and/or in any country/region where You log on to the Website(s). NGI shall not be responsible for any illegal or unauthorized use of Our Website(s) by You as We are unable to verify the legality of use in each jurisdiction and it is Your sole responsibility to verify the legality of using Our NGI Services prior to logging on to Our Website(s). Please consult legal counsel in the applicable jurisdiction if You have any doubts about the legality of Your use of the Website(s) under the laws of any jurisdiction that applies to You.
2.3	By law, You may only use the Website(s) if you are eighteen (18) years old, or of legal age as determined by the laws of the country where you live which shall only be valid if the age of majority in your jurisdiction is eighteen (18) years or higher.
2.4	We reserve the right at any time to request from You evidence of age in order to ensure that minors are not using Our Website(s). We further reserve the right to suspend or cancel Your Player Account and exclude You, temporarily or permanently, from using the NGI Services if satisfactory proof of age is not provided or if We suspect that you are underage and such satisfactory proof is not provided by You within five (5) days of our requesting such proof, Your Player Account shall be closed and You shall forfeit all funds in Your Player Account, such decision shall be final, binding and not subject to appeal.

Intellectual Property Rights

3.1

For the avoidance of any doubt, NGI is the owner or licensee of the copyright, trademarks and other intellectual property rights and/or the Interactive System and the RVG Games offered on the Website(s). Players and prospective Players acquire no rights therein by using the NGI Services and/or Our Website(s). In addition, other content on the Website(s), including, but not limited to, the software, images, pictures, graphics, photographs, animations, videos, music, audio and text (the " Site Content ") belong to NGI or one of its companies and/or its licensors and is protected by copyright and/or other intellectual property, or other rights. Players and prospective Players acknowledge and agree that they are only permitted to use the NGI Services and/or Website(s) as expressly set out in this Agreement and such Players and prospective Players obtain no rights in the Site Content, or any part thereof. Under no circumstances may You use the Site Content without NGI's prior written consent.

3.2

All content and use of the NGI Services and Website(s) is for personal, non-commercial use only. All other use is strictly prohibited.

Use of Player Accounts

In order to login and play RVG Games on Our Website(s), whether for Free Practice Play or for Real Money Play, you will have to open a Player Account which will constitute Your NGI identification thereafter for as long as You use the Website(s).

4.1

By opening a Player Account You hereby confirm and acknowledge that:

4.1.1	You are at least 18 years of age.
4.1.2	The details submitted by you in the registration forms are correct, true and complete. It is Your responsibility to update Your Player Account of any changes to Your registration details. We may, at our own discretion, if necessary, disclose some of the details submitted to Us on the Website(s) to third parties, for the purposes of verification and authentication of those details. Please see Our Privacy Policy for further details.
4.1.3	Your NGI Player Account is for Your personal use only and funds deposited into your Player Account may only be used to play on Our Website(s). You may not use Your Player Account on behalf of another person. You may only create one Player Account with NGI and shall only use the NGI Services using such single Player Account. Any use of Your Player Account is strictly for Your own private purposes. We take absolutely no responsibility for any third party accessing Your Player Account and We shall not be liable for any losses incurred by You as a result of such an event. Any activation of Your Player Account while using the correct Password and Username will be considered by Us as a valid entry by You into Your Player Account. Should You become aware of any unauthorized use of Your Player Account You are obligated to immediately notify us and we will suspend your Player Account pending further investigation of such unauthorized use.
4.1.4	Any funds held in your Player Account do not accrue interest. You will not be able to place any bets using the NGI Services in an amount greater than the total amount of money in Your Player Account.
4.1.5	You are fully responsible for paying all monies owed to NGI. You agree not to make any chargebacks, and/or deny or reverse any payment made by You in respect of the NGI Services. You will reimburse Us for any chargebacks, denial or reversal of payments You make and any losses suffered by Us as a consequence.

4.2

You are responsible for maintaining the confidentiality of Your Player Account including Your Username and Password and for restricting access to Your computer, and You agree to accept responsibility for all activities that occur under Your Player Account. You must keep Your Username and Password confidential and You should not disclose them to any other individual. In order to keep Your Password and Username confidential, You should follow these security tips:

Never write or otherwise record Your Username or Password in a way that can be understood by someone else.
Never divulge Your Username and Password to any other individual.
Avoid Username and Password details that may be easy to guess such as birthdays/telephone numbers, spouses and/or children's names, etc.
Inform us immediately (by contacting Our support team) of any unauthorized access to Your Player Account or any suspicion that someone else knows Your Username and Password.

4.3

You shall be solely responsible for all transactions conducted in relation to your Player Account using your Username and Password. Every person who identifies himself/herself by entering Your correct Username and Password is assumed by Us to be You and all transactions where the Username and Password have been entered correctly will be regarded as valid and authorized by You.

4.4

NGI retains full authority over the issuing, maintenance, and closing of Player Accounts at NGI. The decision of the NGI management, as regards any aspect of a User's Player Account, use of the Website(s), or dispute resolution, is final, binding and shall not be open to review or appeal.

4.5

If You have not logged in to Your Player Account for six (6) months then your Player Account will be considered a "dormant account" and We will charge a 10% monthly fee for the account balance as a maintenance fee. The first fee will be charged at the end of the sixth month after the last login was recorded.

4.6

You hereby acknowledge and agree that betting might result in losing monies and that all losses incurred by You as a result of betting on our Website will be Your sole responsibility.

4.7

It is your responsibility to make sure that you read and understand all the rules and procedures of the RVG Games on the Website(s) prior to playing Real Money Play games.

Security Measures

The NGI Interactive System is a secured environment which only allows a Player to access the NGI Services if such Player has passed through our secured networks which use state of the art encryption for Username and Password data. You will not be able to access the NGI Website(s) without passing through our customer security login process, and any Player who bypasses our Interactive System shall be prosecuted to the full extent of the law.

Prohibited Uses of the NGI Website(s)

6.1

You hereby confirm and acknowledge that:

6.1.1	You are not depositing funds originating from criminal and/or un-authorized activities.
6.1.2	You are not otherwise conducting criminal activities and/or intending to utilize your Player Account in connection with such activities.
6.1.3	You are not using or intending to use or intending to allow any other person to use your Player Account in relation to Our Website(s) for any prohibited or unlawful activity, including but not limited to, fraud or money laundering, under the laws of your jurisdiction or any other applicable laws in any other jurisdiction.
6.1.4	The credit/debit card details, or those of any other means of payment used to deposit funds in Your Player Account, given by You on the Website(s), are those of the registered Player Account holder and such cards are not stolen or reported lost.
6.1.5	You have not held a Player Account with Us that was terminated or suspended, and You have not notified Us, now or in the past, that You have a gambling addiction.
6.1.6	You shall not break in, access or attempt to break in to Our Website(s). In any case of suspected break-in to our Website(s) we shall immediately terminate Your Player Account, seize all funds available through that account and notify the relevant authorities.
6.1.7	You shall not intentionally disconnect from a RVG Game while playing on Our Website(s). If We determine, in Our sole discretion, that You are in breach of this clause, We may terminate Your access to Our Website(s) immediately and/or have Your Player Account blocked. If Your Player Account is terminated or blocked in such circumstances, We are under no obligation to refund You any funds that may be in Your Player Account.

6.2

If any suspicious, improper, fraudulent, or unlawful activities are attempted and/or performed through the use of Our Website(s) We will be entitled to terminate and/or block your Player Account and seize all funds available through that account. We also reserve the right to disclose any and all details of your Player Account to the relevant authorities.

6.3

We shall not be responsible under any circumstances for any losses or damages sustained through suspicious, improper, fraudulent, unlawful or otherwise illegal use of the NGI Services and/or Website(s) by any User or any other unauthorized individual using a valid Player Account.

Currency and Payments

7.1	For the avoidance of doubt it is hereby declared that when referring to currency in this Agreement the currency stated shall either be U.S. dollars($) and/or any other currency accepted by Us and in accordance with the Player's choice of currency in his/her Players Account.
7.2	A Player holding a valid Player Account may cash out their winnings in a sum not exceeding 10,000 units per month of the designated currency of such Player Account.
7.3	You understand that all financial account transactions will be handled by Us, or a third party on Our behalf. We reserve the right to run credit checks with third parties using the information submitted to Us by You through the opening of the Player Account or by any other means.
7.4	We reserve the right to refuse accepting and paying through any means of payment, such as certain credit cards, personal checks, electronic wallets and any other types of payment methods.
7.5	You understand that by accepting a bonus payment offered by Us to You, You are bound by the rules and regulations of Our Bonus Policy.

Refund Policy

8.1	No refund can be completed once the alleged deposit (including the bonus) has been played with on our Website(s).
8.2	A refund request will only be considered if it is requested within the first twenty-four (24) hours of the alleged transaction, or within thirty (30) days if a Player alleges that another individual (or a minor) has accessed his/her Player Account.
8.3	We reserve the right to withhold any refund or reverse transaction until the identity of the Player Account User is adequately established to our satisfaction, in order to ensure that any payment made to Us will be honored after a refund has been made. You agree to provide, in case We demand, a notarized identification, or any other certified identification in accordance with the applicable laws of Your jurisdiction. If such notarized or certified identification is not provided within five (5) days of our request, then such refund or reverse transaction shall not be effected, Your Player Account shall be closed and You shall forfeit all funds in Your Player Account, such decision shall be final, binding and not subject to appeal.

NO WARRANTY

THE RVG GAME, INTERACTIVE SYSTEM, AND SITE CONTENT ARE PROVIDED "AS IS". WE MAKE NO WARRANTY OR REPRESENTATION, WHETHER EXPRESS OR IMPLIED (WHETHER BY LAW, STATUTE, OR OTHERWISE), INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY,SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, COMPLETENESS OR ACCURACY OF THE GAME,INTERACTIVE SYSTEM, OR SITE CONTENT OR INFRINGEMENT OF APPLICABLE LAWS AND REGULATION.

WE MAKE NO WARRANTY THAT THE RVG GAME, INTERACTIVE SYSTEM AND SITE CONTENT WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SOFTWARE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR BUGS OR REPRESENTS THE FULL FUNCTIONALITY, ACCURACY, RELIABILITY OF THE MATERIALS OR AS TO RESULTS OR THE ACCURACY OF ANY INFORMATION OBTAINED BY YOU THROUGH THE NGI SERVICES.

IN THE EVENT OF SYSTEMS OR COMMUNICATIONS ERRORS, BUGS OR VIRUSES RELATING TO ACCOUNT SETTLEMENT OR OTHER ELEMENTS OF THE NGI SERVICES OR RESULTING IN LOSS OF DATA BY YOU OR ANY OTHER DAMAGE TO YOUR COMPUTER EQUIPMENT OR SOFTWARE, WE SHALL IN NO WAY BE LIABLE TO YOU AND WE RESERVE THE RIGHT TO VOID ALL RVG GAMES IN QUESTION AND TAKE ANY OTHER ACTION TO CORRECT SUCH ERRORS SAVE THAT WE ARE NOT REQUIRED TO PROVIDE ANY BACK UP NETWORK AND/OR SYSTEMS OR SIMILAR SERVICES.

WE SHALL NOT BE LIABLE FOR ANY ACTS OR OMISSIONS MADE BY YOUR INTERNET SERVICE PROVIDER OR OTHER THIRD PARTY WITH WHOM YOU HAVE CONTRACTED TO GAIN ACCESS TO THE SERVER THAT HOSTS OUR WEBSITE.

Limitation of Liability

10.1	Your decision to use Our Website(s) is made at your own discretion and risk.
10.2	We shall not be liable in contract, tort, negligence, or otherwise, for any loss or damage whatsoever arising from or in any way connected with Your use of the Website(s) or Interactive System, whether direct or indirect, including, without limitation, damage for loss of business, loss of profits, business interruption, loss of business information, or any other pecuniary or consequential loss (even where We have been notified by you of the possibility of such loss or damage).
10.3	We shall not be liable in contract, tort, negligence, or otherwise, for any loss or damage whatsoever arising from or in any way connected with Your use, of any link contained on the Website(s). We are not responsible for the content of any linked sites.
10.4	You confirm that We shall not be liable to you or any third party for any modification to, suspension of or discontinuance of the Website(s).

Indemnity

You agree to fully indemnify, defend and hold Us, and Our officers, directors, employees, agents, contractors and suppliers, harmless, from and against all claims, liabilities, damages, losses, costs and expenses, including legal fees, arising out of any breach of this Agreement by You, and any other liabilities arising out of Your use of the Website(s) or use by any other person accessing the Website(s) using Your User identification, whether such use is with or without Your knowledge and/or express authorization.

Changes to the Agreement

12.1	We reserve the right to amend and make any changes to this Agreement and/or to the Privacy Policy, Games Rules, Bonus Policy, and/or to the Cash Out Policy , or any parts thereof, at our sole discretion and You will be bound by such amended Agreement and/or Privacy Policy and/or Games Rules and/or within fourteen (14) days of such amendments being posted on our Website. We therefore encourage You to visit our Website(s) regularly and check the terms and conditions contained in the version of the Agreement, Privacy Policy, Games Rules, Bonus Policy, and Cash Out Policy in force at such time.
12.2	It is your sole responsibility to check from time to time the Agreement and the Privacy Policy, Games Rules, Bonus Policy and Cash Out Policy for such updates and changes. The indication of the recent change made by us will be posted at the end of this Agreement, the Privacy Policy,the Games Rules, the Bonus Policy and the Cash Out Policy respectively.
12.3	Any use of your Player Account will be considered an indication of your awareness and acceptance of such changes made by Us as per section 12.1 and 12.2 above.
12.4	If you disagree with the changes made to this Agreement and/or to the Privacy Policy,the Games Rules, the Bonus Policy and the Cash Out Policy, you should immediately cease all activity in your Player Account including playing on OurWebsite(s), close your Player Account and request that We unsubscribe you from all correspondence from our Website(s).

Chat Feature

13.1

As part of your use of the NGI Services We may provide you with a chat facility. We reserve the right to review the chat and to keep a record of all statements made on such facility. Your use of the chat facility is subject to the following rules:

13.1.1	You shall not make any statements that are sexually explicit or grossly offensive, including expressions of bigotry, racism, hatred or profanity;
13.1.2	You shall not make statements that are abusive, defamatory or harassing or insulting to the operators of Our Website(s);
13.1.3	You shall not make statements that advertise, promote or otherwise relate to any other online entities.
13.1.4	You shall not make statements about NGI or Our Website(s) or any other Internet site connected to NGI that are untrue and/or malicious and/or damaging to NGI.

13.2

In the event of Your breaching any of the above provisions relating to the chat facility, NGI shall have the right to immediately terminate Your Player Account. Upon such termination NGI shall refund to You any funds which may be in Your Player Account over and above any amount which may be owing to Us at such time (if any).

PLEASE NOTE: When using the chat facility any personally identifiable information that You submit, can be read, collected, or used by NGI, and NGI is not and shall not be responsible for the personally identifiable information that You choose to submit via the chat facility.

Miscellaneous

14.1	Before a prize will be paid on any winning RVG Game, it must be validated according to this Agreement and the rules and procedures set by NGI. We reserve the right to make the sole and final decision as to the RVG Game's winning status and Our decision will be final, binding and not subject to appeal.
14.2	We may, at Our sole discretion, refuse to register and provide a Player Account to any individual.
14.3	By signing this Agreement You hereby agree to receive any communications or advertising from NGI regarding its services or products.
14.4	We reserve the right to change, modify, add or remove any RVG Game(s) on our Website(s) without any prior notice to Our Players.
14.5	We reserve the right to offer, from time to time, bonuses and/or promotions and special offers and that any such offer will be subject to its own rules and conditions. We reserve the right to withdraw any of these special offers and bonuses at any time.
14.6	You agree that We may, at our sole discretion, assign or sublicense this Agreement, in whole or in part, to any third party or person without notice, and you will be deemed to consent to such assignment.
14.7	You understand that you will receive electronic communications from us, posted on the Website(s) or sent to you via e-mail. All such communications will be considered "in writing" and will be considered received by you after 4 business days, whether you have actually received them or not.
14.8	The enforceability or validity of any part of this Agreement shall not affect the validity and enforceability of the remainder of this Agreement.
14.9	This Agreement contains the entire agreement between You and Us relating to use of the Website(s).
14.10	This Agreement has been drafted in the English language. In the event of any discrepancy between the meanings of any translated versions of this Agreement and the English language version, the meaning of the English language version shall prevail.

Governing law

This Agreement shall be governed by, and interpreted in accordance with, the laws of Malta and you irrevocably submit, for Our benefit, to the exclusive jurisdiction of the courts of Malta to settle any disputes (including claims for set off and counterclaims) which may arise in connection with the creation, validity, effect, interpretation or performance of, or the legal relationships established by, this Agreement or otherwise arising in connection with this Agreement.

This Agreement has been updated on 2009-08-10.

PLEASE PRINT AND RETAIN A HARD COPY OF THIS AGREEMENT FOR YOUR RECORDS.

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NG INTERNATIONAL LTD. END USER LICENSE AGREEMENT