including alterations to prices. PTA may adopt rules on the substance of reference offers. Requests for access to local loops shall only be refused on objective grounds, the necessity of maintaining network integrity or technical reasons. If no agreement can be reached on access, a party may refer the matter to PTA. The Minister of Communications may issue a Regulation1) on unbundled access to local loops. 1)Reg. 199/2002. Article 35 Roaming agreements Where the establishment or operation of mobile phone stations or networks is not practicable, due to the nature or scope of the investment, or where conditions for the establishment and operation of mobile phone senders or networks are especially difficult, for instance, due to natural conditions, or if it is necessary to encourage effective competition, mobile phone undertakings providing public mobile phone services shall have access to the public mobile phone networks of other mobile phone undertakings. Electronic communications undertakings shall endeavour to negotiate agreements between themselves on access conditions. Should they fail to reach agreement, PTA may decide whether roaming agreements shall be concluded and the terms for the same between the operator of a mobile telephone network, as referred to in 1.the first paragraph, and other electronic communications undertakings, provided they already operate their own public mobile telephone networks where such is practicable in the estimation of PTA. Article 36 Separation of concession activities from electronic communications activities Electronic communications undertakings or consolidations operating public communications networks or publicly available electronic communications services, which enjoy special or exclusive rights in sectors other than electronic communications, must keep their electronic communications activities financially separate from other activities as if they were two separate undertakings. Care shall be taken to ensure that competitive operations are not subsidised by activities enjoying exclusive rights or protected activities. This provision shall apply without regard to an undertaking's market power. CHAPTER VIII Terms and prices Article 37 Terms and conditions Subscribers of electronic communications services in the private individuals' market shall be entitled to a contract with an electronic communications undertaking including at least the following items: a. name and address of the service provider, b. services to be provided, service quality level and the time for initial connection, 18/34