International Payments Summit 2009 - RA Computer

17th annual conferenceBook by 13th March 2009& SAVE up to £300Delegate Prices held for the last 2 years!International Payments Summit 2009110+InternationalSpeakers Include:• European Commission• Bank For International Settlements• Financial Services Authority• International Institute For ManagementDevelopment• University Of Lausanne• European Central Bank• Abn Amro Bank• Global Custodian• Capgemini Global Financial Services• The World Bank• Paypal Inc• Deutsche Bank• Unicredit• Barclays Bank• Citi• Edgar, Dunn & Company• Balatro• Orange• GSMA• Royal Bank Of Scotland• Bancolombia• Electronic Money Association• Nordea Bank• Google• Swift• Ing Wholesale Banking Products• CLS Bank International• Visa Europe• Clifford Chance• SEB• HSBC• PricewaterhouseCoopers• Raiffeisen Zentralbank• The Bank Of Tokyo-Mitsubishi UFJ, Ltd• SIA-SSB Group• A.T. Kearney Gmbh• Dnb Nor• Ernst & Young• Société Générale• The Sepa Consultancy• World Savings Banks Institute• Payfair Group• EBA Clearing Company• Euro Banking Association (EBA)• STET• Equens• ACI Worldwide• McKinsey & Company• SCF Capital• The Bank Of New York Mellon• Standard Bank Of South Africa• Developing Markets Associates• Wall Street Exchange Centre LLC• ICICI Bank• Astelit• Osborne Clarke• Wells Fargo Bank N.A.• Manchester University• Western Union International• Ministry Of Finance, Germany• Logica• Banco Santander• Bank Of Finland• APACS• The Payments Council• Sagem Orga Do Brasil S.A.• Hitachi• Institute Of Directors• Italian Association Of Corporate Treasurers• Edge International• Twist Process Innovations Ltd.• HM Revenue And Customs• Ministry Of Finance, Finland• Hewlett-Packard• Rackspace• Eurocil Holding B.V.• Vodafone.• The Association Of Corporate Treasurers• BPI Business Process Integration Gmbh• FMS Group• Capital Tool Company• Dell• France Telecom Group Treasury• Mondi Group• Telecom Italia Spa• Volkswagen Group Services• European Association Of Corporate TreasurersMain Conference: Tuesday 12th-Thursday 14th May 2009PSD Boot Camp Monday 11th May 2009 • Royal Lancaster Hotel, LondonMarc Hollanders,Special Adviser on FinancialStability and MarketInfrastructure,BANK FORINTERNATIONALSETTLEMENTSBertrand Lavayssière,Managing Director,CAPGEMINI GLOBALFINANCIAL SERVICES“In the light of the recent financial crisis, one of the focalpoints for profitable growth has to be transaction banking services.That’s what makes IPS an essential event for anyone in this space.”Learn How To Optimise Business Value In The New Financial LandscapeJohn Burns,Senior Associate, RetailPolicy,FINANCIAL SERVICESAUTHORITYGraeme Leach,Chief Economist,INSTITUTE OFDIRECTORSDaniela Umstätter,National Expert, RetailIssues, Consumer Policyand Payment Systems,DG Internal Market,EUROPEANCOMMISSIONRenzo Vanetti,CEO,SIA-SSBand Chairman,RA COMPUTERJean-MichelGodeffroy,Director General,EUROPEAN CENTRALBANKRajesh Mehta,Treasury and Trade SolutionsHead, Europe Middle East &Africa (EMEA), GlobalTransaction Services, CITINEW FOR 2009■ More networking - providing you with more opportunities thanever before to make new contacts.■ A new speed networking morning – a fun way to meet a lotof new people FAST!■ A survey led breakfast briefing to allow you to build on ourknowledge and network in a more relaxed environment.■ The IPS Wine Casino Wine Tasting - a great informalnetworking opportunity.■ A new optional pre-conference summit addressing all thekey issues around the Payment Services Directive.■ A new day for corporate treasurers, with speakers drawnexclusively from the corporate side of the track.■ A seated lunch with corporate treasurers – your chance toget close to the customer.■ A new central London location: easily accessible fromLondon Heathrow.Stéphane Garelli,Professor, INTERNATIONALINSTITUTE FORMANAGEMENTDEVELOPMENT (IMD)AND UNIVERSITY OFLAUSANNEOlivier Brissaud,Managing Director,VOLKSWAGEN FINANCEBELGIUM SA/NV, ManagingDirector,VOLKSWAGEN GROUPSERVICESPaul Camp,Global Head of CashManagement FinancialInstitutions,DEUTSCHE BANKMung Ki Woo,Vice-President Payment& Contactless, GroupStrategic Marketing,ORANGEGerard Hartsink,Senior Executive VicePresident of GlobalTransaction Services andMarket Infrastructures,ABN AMRO BANKRobert Swerling,Principal, New BusinessDevelopment Team,GOOGLEMassimo Cirasino,Head of the PaymentSystem DevelopmentGroup,THE WORLD BANKRené Pelegero,Senior Director of IndustryRelations, Strategy, andCompliance, FinancialServices,PAYPAL INCHIGHLIGHTS FOR 2009■ Hear from leading economists about what the recent globaleconomic upheaval will mean for payments and transaction services.■ Appreciate why the key players in transaction banking viewpayments as a critical business stream.■ Examine how operational risks in payments should bemanaged in a changed world.■ Learn what corporate clients really want now from theirpayments providers in the new financial landscape.■ Understand why financial supply chain stability has nevermattered more and how to help corporate clients optimise workingcapital.■ Discuss the unfolding regulatory developments; from SEPA tothe Payment Services Directive.■ Assess the new commercial opportunities in payments:new channels; new business models; new revenue streams.■ Meet all the key movers in one place, at one time.Lead Conference Sponsor Principal Sponsor SponsorBreakfast Briefing SponsorSEPA SponsorChris Skinner, Chairman, Financial Services ClubSupply Chain ManagementStream SponsorTo register call: +44 (0) 20 7017 7200 or visit: www.icbi-ips.comor fax: +44 (0) 20 7017 7807 or email: info@icbi.co.ukMedia PartnersFree placesfor corporatetreasurers!Paper sourcedfrom sustainableforestsSponsorElementalChlorine Free(ECF)

International Payments Summit 2009Main Conference: Tuesday 12th-Thursday 14th May 2009 • Pre Conference Summit: PSD Boot Camp Monday 11th May 2009 • Royal Lancaster Hotel, LondonPROGRAMME AT A GLANCEThe International PaymentsOptional Pre Conference Summit:THE PAYMENT SERVICES DIRECTIVE BOOT CAMPMonday 11th May 200910.3011.0011.2012.0013.0014.1514.3015.3015.5016.2017.0017.5518.00RegistrationOpening Remarks From The Chair: What Is The PaymentServices Directive? Who Will It Impact And How?How Does The PSD Fit With The Single Euro Payment Area?Ruth Wandhöfer, Head of Payments Strategy Within The EMEA GlobalTransaction Services Business, CITI.Strategy Roundtable: At This Stage, Which Aspects Of The PSDRemain Unclear Or Contradictory?Ruth Wandhöfer, Head of Payments Strategy Within The EMEA GlobalTransaction Services Business, CITI.Simon Newstead, Head of Financial Institutions Advisory Group, GlobalTransaction Services, RBS.Dermot Turing, Partner, International Financial Institutions and MarketsGroup, CLIFFORD CHANCE.Strategy Roundtable: How Does the PSD Impact Allthe Different Stakeholders?Daniela Umstätter, National Expert, Retail Issues, Consumer Policy andPayment Systems, DG Internal Market, EUROPEAN COMMISSION.John Burns, Senior Associate, Retail Policy,FINANCIAL SERVICES AUTHORITY.Bjorn Flismark, Senior Vice President Global Transaction Services, SEB.Dr Thaer Sabri, Chief Executive, ELECTRONIC MONEY ASSOCIATION.James Lockyer, Head of Training, THE ASSOCIATION OFCORPORATE TREASURERS.Marc Pomes Bordedebat, Senior Product Manager – Payments MarketSWIFT.LunchSetting the Scene for the Break Out SessionsRuth Wandhöfer, Head of Payments Strategy Within The EMEA GlobalTransaction Services Business, CITI.Break Out Sessions on: Client Communicationand Documentation OR Operational ChangesBreak Out Sessions Facilitator FeedbackAfternoon teaHow We Have Approached Our PSD ProjectTony Richter, Strategic Business Development, Global Paymentsand Cash Management, HSBC.Hartmut Bremer, SEPA Project Manager, DEUTSCHE BANK.Strategy Roundtable: Life After The PSD: Will We See InterestingProduct Innovations? What Will a New Competitive LandscapeMean to Traditional Players? What Are The Practical Long TermConsequences Of The PSD On The European Payments Industry?And What Are The Global Implications of The PSD?Peter Møller Jensen, Vice President, EU Relations/Regulatory Affairs,Legal Department, VISA EUROPE.Mark Hale, Director, Performance Improvement, Head of TransactionBanking, PRICEWATERHOUSECOOPERS LLP.José M Beltrán, Director STEP2 Services, EBA CLEARING.Simon Newstead, Head of Financial Institutions Advisory Group, GlobalTransaction Services, RBS.Closing Remarks From The ChairCocktail PartyNew Business OpportunitiesInternational Payment Summit has become the biggest European paymentsevent. IPS reliably attracts a large audience of senior attendees every year. In theseuncertain markets we understand the need for a real return on marketinginvestment. Whether your focus is maintaining your brand or winning new businessIPS can deliver a cost effective way to achieve this.We can currently accommodate a small number of additional sponsors. Yourpackage could include the following:• Places on our strategy roundtables• Access to our influential speaker faculty through Green Room Sponsorship• Space in our busy exhibition room• Extensive branding• Opportunity to host an attendee reception• Free and discounted delegate passesIf your company provides solutions and services for transaction banking you cannotafford to miss this opportunity.Please contact Helen Price for further details or to discuss your ideas for a bespokepackage. Helen.price@informa.com tel : +44 207 017 404109.0009.2009.4510.1010.3511.2512.1512.5012.5513.4514.5015.0015.2515.5016.1516.5017.1017.3017.5018.2018.3014.5015.0015.2015.4016.0016.2016.5017.1017.3018.2018.30A NEW PARADIGM FOR PAYMENTS AND TRANSACTION BANKING: OPTIMISING RISK MANAGEMENT AND BUSINESS VALUESTREAM A: SEPA AND THE PAYMENT SERVICES DIRECTIVE:WHAT HAPPENS NEXT?Opening Remarks from the ChairPlus interactive electronic polling with the audienceRuth Wandhöfer, Head of Payments Strategy Within TheEMEA Global Transaction Services Business, CITI.Off the Record Session with the European Commission:Expectations For SEPA and the PSDDaniela Umstätter, National Expert, Retail Issues, ConsumerPolicy and Payment Systems, DG Internal Market, EUROPEANCOMMISSION.Keynote Address from the ECB: What Does the FutureHold for Payments Harmonisation in Europe?Jean-Michel Godeffroy, Director General, EUROPEANCENTRAL BANK.Special Address from the EPC: Do We Need an EndDate for SEPA? How Can We Achieve PSD Compliance?Gerard Hartsink, Senior Executive Vice President of GlobalTransaction Services and Market Infrastructures, ABN AMROBANK.Afternoon TeaThe Payment Services Directive: What Are The KeyImplementation Issues? What Are The Opportunitiesand The Risks for Banks?Bjorn Flismark, Senior Vice President Global TransactionServices, SEB.If You Haven’t Started Your PSD Project, What ShouldYou Do Now?Simon Newstead, Head of Financial Institutions AdvisoryGroup, Global Transaction Services, RBS.The Role of Public Authorities in SEPASpeaker to be announcedExpert Question and Answer Session: What Must AllStakeholders Do Now to Ensure the Ultimate Successof SEPA and the PSD?Günther Gall, Divisional Head of Transaction Services,RAIFFEISEN ZENTRALBANK.Dermot Turing, Partner, International Financial Institutionsand Markets Group, CLIFFORD CHANCE.Ian Drewery, International Banking Adviser, HM REVENUEAND CUSTOMS.Seppo Tanninen, Senior Counsellor, MINISTRY OFFINANCE, FINLAND.Tony Richter, Strategic Business Development, GlobalPayments and Cash Management, HSBC.Closing Remarks from the ChairPlus interactive electronic polling with the audienceCocktail Party with Magazine CoversDAY ONE • Tuesday 12th May 2009Opening Remarks from the Chair: Re-Assessing Risk in Payments in the New Global Financial LandscapePaul Camp, Global Head of Cash Management Financial Institutions, DEUTSCHE BANK.Keynote Address: A Fresh Approach to Risk Assessment and Bank Regulation in the Wake of the Credit Crunch and the GlobalBailout of Financial InstitutionsDominic Hobson, Editor-in-Chief, GLOBAL CUSTODIAN.Special Address: Managing Intraday Liquidity Positions And Risks In Payment SystemsMarc Hollanders, Special Adviser on Financial Stability and Market Infrastructure, BANK FOR INTERNATIONAL SETTLEMENTS.The Good News - Transaction Banking Continues To Be A Strong Income Generator and Provider of LiquidityBertrand Lavayssière, Managing Director, CAPGEMINI GLOBAL FINANCIAL SERVICES.Morning CoffeeStrategy Roundtable: Optimising The Value of Transaction Banking to Your Bank in Challenging Times.Is It Time To Get Back To Basics?Plus interactive electronic polling with the audiencePeter Hazou, Head of Strategy, Global Transaction Banking, for Cash Management, Trade Finance and Supply Chain, UNICREDIT.Richard Martin, Head of Transaction Services, BARCLAYS BANK.Rajesh Mehta, Treasury and Trade Solutions Head, Europe Middle East & Africa (EMEA), Global Transaction Services, CITI.Special Guest Address: Global Economic Outlook 2009 and Beyond: The Good, The Bad and The UglyStéphane Garelli, Professor, INTERNATIONAL INSTITUTE FOR MANAGEMENT DEVELOPMENT (IMD) and UNIVERSITY OF LAUSANNE.Buffet lunch.“Off the Record” Session with our Special Guest Speaker, Stéphane Garelli.Champagne Roundtables For details see page 414.5015.0015.2515.5016.1516.5017.1017.3018.2018.30OR STREAM C: NEW DELIVERY CHANNELS FOR PAYMENTSOR STREAM B: WHAT DOES THE CREDIT CRISIS MEANFOR PAYMENTS AND TRANSACTION SERVICES?Opening Remarks from the ChairPlus interactive electronic polling with the audienceHarold Young, Global Head of the Payments Franchise,DEUTSCHE BANK.IPS Interview: Assessing The Impact Of The RecentFinancial Turmoil on Transaction Banking - WhatShould Be Keeping You Awake At Night?Robert J.G.M. Heisterborg, Global Head Payments andCash Management, ING WHOLESALE BANKINGPRODUCTS.Special Economic Address: Why Investment inInnovations Is Essential For The Health Of TheFinancial Services IndustryGuest speakerto be announcedWhy Did The Global Payments InfrastructuresSurvive The Financial Meltdown of 2008?Did Any Cracks Appear?Geoffroy de Schrevel, Head, Banking, Corporate andTrade Initiatives Group for EMEA, SWIFT.Afternoon TeaLessons Learnt From The FX MarketRob Close, Chief Executive Officer, CLS GROUPHOLDINGS and President and CEO, CLS BANKINTERNATIONALPayments Due Diligence: Monitoringand Managing Intraday Liquidity AgainstYour Client ProfileMasayuki (Mike) Tagai, Chief Manager, PlanningDepartment, Transaction Services Division, THE BANK OFTOKYO-MITSUBISHI UFJ, LTD.IPS Debate: Payments and Transaction Services: ACommodity Business Or A Valuable RevenueStream To Be Invested In During Tough Times?Robert J.G.M. Heisterborg, Global Head Payments andCash Management, ING WHOLESALE BANKINGPRODUCTS.Andy Wright, Head of Financial Institutions, GlobalTransaction Services, THE ROYAL BANK OF SCOTLAND.Andreas Pratz, Partner, Financial Services, A.T. KEARNEYGMBH.Closing Remarks from the ChairPlus interactive electronic polling with the audienceCocktail Party with Magazine CoversOpening Remarks from the ChairPlus interactive electronic polling with the audienceChris Skinner, Chief Executive, BALATRO.Assessing the Latest Developments in Electronic, Contactless and Mobile Payments and Their Market PotentialSamee Zafar, Director, EDGAR, DUNN & COMPANY.Keynote Address: A Commercial Analysis of the Emerging Business Models for Mobile Payments: Understanding the DifferentTechnologies and How to Harness Them To Differentiate Your Mobile OfferingMung Ki Woo, Vice-President Payment & Contactless, Group Strategic Marketing, ORANGE.IPS Interview: The European Payments Council/GSMA Initiative on Mobile PaymentsDag-Inge Flatraaker, General Manager and Head of Group Interbank Infrastructure and Payment System Strategy, DnB NOR.Dr. Nav Bains, Senior Projects Director For The NFC And The “Pay-Buy Mobile” (M-Payment) Initiatives, GSMA.Addressing The Regulatory Challenges Surrounding Mobile Payments, From Both the Telecoms andThe Financial Regulator’s PerspectiveRoy Vella, Director of Mobile, ROYAL BANK OF SCOTLAND.Afternoon teaContactless Technologies: Will They Change The Face Of Payments?Speaker to be announcedCase Study: Winning The Battle For Market Share In Online PaymentsVipul Shah, Senior Director and Head of Global Core Payments, PAYPAL INC.IPS Debate: What Will the Latest Innovations in Delivery Channels Mean for Payments Providers in Competitive andOperational Terms? Are The Banks Going To Be Disintermediated By The New Payments Providers?Ron van Wezel, Senior Vice-President, Market Infrastructures Department, ABN AMRO BANK.Olga Botero, Chief Information Officer, BANCOLOMBIA.Bengt T Hansson, Lean Expert, NORDEA BANK AB.Robert Swerling, Principal, New Business Development Team, GOOGLE.Closing Remarks from the ChairPlus interactive electronic polling with the audienceCocktail Party with Magazine Covers2To register call: +44 (0) 20 7017 7200 or fax: +44 (0) 20 7017 7807 or email: info@icbi.co.uk or visit: www.icbi-ips.com

International Payments Summit 2009Main Conference: Tuesday 12th-Thursday 14th May 2009 • Pre Conference Summit: PSD Boot Camp Monday 11th May 2009 • Royal Lancaster Hotel, LondonPROGRAMME AT A GLANCEDAY TWO • Wednesday 13th May 2009Breakfast Briefing on The Payment Services Directive led by CapgeminiFor details see page 6DAY THREE • Thursday 14th May 200908.0009.0009.1009.3509.5510.1511.0511.4512.3513.1014.3514.4515.0515.2515.4516.2016.5017.3518.2018.30CHALLENGES FACING CORPORATES IN THE NEW FINANCIAL LANDSCAPEOpening Remarks from the Chair Plus interactive electronic polling with the audienceOlivier Brissaud, Managing Director, VOLKSWAGEN FINANCE BELGIUM SA/NV, Managing Director, VOLKSWAGEN GROUP SERVICES.Special Address: In A Time Of Shifting Sands, Who Finances Who In Europe?Graeme Leach, Chief Economist, INSTITUTE OF DIRECTORS.Financial Supply Chain Stability: Why Optimisation of Working Capital Has Never Mattered MoreRobert Smid, Partner, Transaction Advisory Services – Working Capital Services, ERNST & YOUNG.What Could Credit Crunch Induced SME Instability Mean to Large Corporates And What Can They Do To Help?Hédi Ezzouaoui, Worldwide Director, Financial Markets, HEWLETT-PACKARD.Strategy Roundtable: What Do Corporates Really Want from Their Payments Providers? How Do Payments Fit Into Our Cash andLiquidity Landscape?Brian Welch, EMEA Treasurer, RACKSPACE.Ronald Mulder, Financial Manager, EUROCIL HOLDING B.V.Thomas Light, Treasury & Cash Management Lead EVO, VODAFONE.Tim Allison, Group Treasurer, LOGICA PLC.Andreas Knopf, Co-Managing Director, BPI BUSINESS PROCESS INTEGRATION GMBH.STREAM A: SEPA IMPLEMENTATION:WHAT DOES IT MEAN IN PRACTICAL TERMS?Morning Coffee and Speed Networking SessionsStrategy Roundtable: How Prepared Are Corporates For SEPA? What Will The Payment Services Directive Mean for Corporates?How and Why Will SEPA and the PSD Help Us To Automate?Gianfranco Tabasso, CEO, FMS GROUP.Raffi Basmadjian, Head of Group Cash Management and Head of IT for Group Treasury, FRANCE TELECOM GROUP TREASURY.Andreas Resei, European Treasurer, MONDI GROUP.Massimo Battistella, Manager of Accounts Receivables, Administration Services, TELECOM ITALIA SpA.Special Guest Address: Managing Reputational RiskGerald Ratner, Former Chief Executive, RATNERS GROUP.Seated Lunch. Your Opportunity to Have Lunch with the TreasurersOpening Remarks from the ChairPlus interactive electronic polling with the audienceSpecial Address: Is There Now A Very Real DangerThat SEPA Won’t Happen?Chris Skinner, Chief Executive, BALATRO.What Has SEPA Implementation Meant in Practice? WhatLessons Can We Learn From The SCT Going Live?Hartmut Bremer, SEPA Project Manager,DEUTSCHE BANK.How Processors Can Help Banks in Payment SystemsModernizationMario De Lorenzo, Director of Payment Systems, SIA-SSB.Strategy Roundtable: Where Next With SEPA Direct Debits?What Are The Real Issues To Be Addressed?Christian Westerhaus, Head of Product Management FinancialInstitutions, DEUTSCHE BANK.Martine Brachet, Head of Interbank Relationships Department,Banking Services Division, SOCIETE GENERALE.Ashley Dowson, Chairman, THE SEPA CONSULTANCY.Afternoon teaStrategy Roundtable: SEPA For Cards: A Unique OpportunityFor All StakeholdersNorbert Bielefeld, Deputy Director, Payments and Securities,EUROPEAN SAVINGS BANKS GROUP - WORLD SAVINGSBANKS INSTITUTEDominique Buysschaert, Founder and CEO, PAYFAIR GROUP.Petra Stange, Head of Commercial Cards,DEUTSCHE BANK.IPS Debate: The Impact of SEPA on Domestic Landscapes –Payments Infrastructures in a Post SEPA WorldGilbert Lichter, CEO, EBA CLEARING COMPANY and SecretaryGeneral, EURO BANKING ASSOCIATION (EBA).Jad Khallouf, Chief Executive Officer, STET.Manfred Schuck, Executive Advisor to the Board of Directors,EQUENS.Paul Styles, Business Solutions, ACI WORLDWIDE (EMEA) LTD.Marc Niederkorn, Director, MCKINSEY & COMPANY.Closing Remarks from the ChairPlus interactive electronic polling with the audienceThe International Payments Wine Casino Wine Tasting.14.3514.4515.1015.3516.0016.2016.5017.1518.2018.30OR STREAM B: OPTIMISING FINANCIAL SUPPLY CHAINMANAGEMENT AND SUPPLY CHAIN FINANCINGSponsored by The Bank of New York MellonOpening Remarks from the ChairPlus interactive electronic polling with the audienceSarah Jones, Chief Executive Officer, SCF CAPITAL.Business Opportunities for Banks and Corporates inFinancial Supply Chain Management and Supply ChainFinancingSpeaker to be announcedInitiatives from the European Commission to OptimiseFinancial Supply Chain ManagementDavid Ellard, Official, EUROPEAN COMMISSION.E-Invoicing: How The Landscape for Users, ServiceProviders and Banks Is Developing – Where Are TheBottlenecks?Charles Bryant, Senior Adviser, EURO BANKINGASSOCIATION.Case Study: Can Companies Be Competitive AtProviding Finance To Their Clients Compared To Banks?Rob Grimberg, Chief Executive, CAPITAL TOOL COMPANY.Afternoon teaOne Step Forwards and Two Back? In An EnvironmentMarked By Lack of Trust Are We Going To See AResurgence of Old Fashioned Trade Instruments?Dominic Broom, Head of Business Development, TreasuryServices EMEA, THE BANK OF NEW YORK MELLON.Strategy Roundtable: Re-Engineering the FinancialSupply Chain and Supply Chain Management in the NewGlobal Financial LandscapeJohn Gleason, EMEA Regional Treasurer, DELL.Roque Damacela, Head of Trade Finance, EMEA, CITI.Alan Verschoyle-King, Head of Treasury Services EMEA, THEBANK OF NEW YORK MELLON.Arthur Cousins, Director, Strategy and Product Development,STANDARD BANK OF SOUTH AFRICA.Tom Buschman, CEO, EDGE INTERNATIONAL and Founder,Chairman & CEO, TWIST PROCESS INNOVATIONS LTD.Closing Remarks from the ChairPlus interactive electronic polling with the audienceThe International Payments Wine Casino Wine Tasting.09.0009.1009.3009.5010.1010.3011.1011.3511.5512.4013.1514.2514.4015.0015.2015.4016.0016.1016.15STRATEGIC POSITIONING OF YOUR BUSINESS IN THE NEW PAYMENTSAND TRANSACTION BANKING WORLDOpening Remarks from the ChairPlus interactive electronic polling with the audienceSimon Bailey, Director of Payments, LOGICA.What Does It Take to Succeed in the Changing Payments and TransactionBanking Landscape? What Is The Outlook For Small and Regional Banks?Rajesh Mehta, Treasury and Trade Solutions Head, Europe Middle East & Africa(EMEA), Global Transaction Services, CITI.IPS Interview: How Are The New Competitors Going To ChangeThe Direction of Payments?René Pelegero, Senior Director of Industry Relations, Strategy, and Compliance,Financial Services, PAYPAL INC.Outsourcing/Insourcing: Deciding Who You Want To Be in The Payments Spaceand How You Are Going To Get ThereMaurice Cleaves, Head of Regional Product Management – EMEA, Cash Management,DEUTSCHE BANK.How Banks Can Differentiate Their Payments OfferingMichel Stuijt, General Manager Marketing & Sales, EQUENS.Strategy Roundtable: What Next For Payments and Transaction Banking?Where Are The Collaborative Spaces To Work Together To Build Innovative,Profitable and Sustainable New Business Models?Michael Cannon, Head of Payments & Cash Management, Europe, HSBC.Fernando Lardiés, Global Head for Cash Management and Supply Chain Services,BANCO SANTANDER.Jack Jared, Managing Director, Bank Services Group Head, EMEA, CITI.Morning coffeeStrategic Innovation in Payments Systems: What Are The Next Big Things?Renzo Vanetti, CEO, SIA-SSB and Chairman, RA COMPUTER.The IPS Technology Roundtable: Harnessing the Latest TechnologicalInnovations to Maximise Efficiencies and Profitability In PaymentsMarcus Treacher, Head of Electronic Banking and e-Commerce, Global TransactionBanking, HSBC.Harry Leinonen, Adviser to the Board, BANK OF FINLAND.Markus Straußfeld, Head of Cash Management and eBanking Sales, UNICREDITGROUP.Renzo Vanetti, CEO, SIA-SSB and Chairman, RA COMPUTER.Special Address: How New Technologies Will Transform Our WorldJames Bellini.LunchPAYMENTS INNOVATIONS FROM AROUND THE WORLDThe International Payments 2009 Quiz: Your chance to win an iPhone!Innovations in the UK: Faster PaymentsPaul Smee, Chief Executive, APACS and Chief Executive, THE PAYMENTS COUNCIL.Innovations in Africa: Mobile PaymentsSpeaker to be announcedInnovations in Asia: Biometric Banking in JapanToshiya Cho, Business Consulting Department, Financial InformationSystems Division, HITACHI.Innovations in Latin America: Smart CardsMarcelo Bellini Garcia, Sales and Marketing Director Banking, Telecommunications,Health & ID for LAC, SAGEM ORGA DO BRASIL S.A.Closing Remarks from the ChairThe International Payments 2009 Quiz Winner is Announced!Close of IPS 2009OR STREAM C: NEW REVENUE OPPORTUNITIES FOR BANKS: WORKERS’ REMITTANCES AND MONEY TRANSFERS14.3514.4515.1015.3516.2016.5017.1017.3017.5018.2518.30Opening Remarks from the Chair Plus interactive electronic polling with the audienceVolume Changes and Corridor Trends For Workers’ Remittances As A Result of the Global Economic SlowdownLeon Isaacs, Chief Executive Officer, DEVELOPING MARKETS ASSOCIATES.IPS Interview: Implementation of the World Bank/BIS General Principles for International Remittance Services:What Results Have We Seen?Massimo Cirasino, Head of the Payment System Development Group , THE WORLD BANK.Strategy Roundtable: Innovations in Payment Channels for Remittances: From Mobile to Electronic to Pre-PaidJayant Prasad, Deputy General Manager & Head, Global Remittances, ICICI BANK.Jayram D. Ketkar, Operations Director, WALL STREET EXCHANGE CENTRE LLC.Marc Hollanders, Special Adviser on Financial Stability and Market Infrastructure, BANK FOR INTERNATIONAL SETTLEMENTS.Denis Mutsky, Program Manager, ASTELIT.Afternoon TeaAddressing the Regulation and Compliance Challenges Surrounding Remittances. What Impact Will The Payment ServicesDirective Have On The Industry?Paul Anning, Partner and Head of the Financial Institutions Group, OSBORNE CLARKE.Building A Successful Remittance Business: The Wells Fargo ExperienceDaniel Ayala, Senior Vice President, Global Remittance Services, WELLS FARGO BANK N.A.Informal Value Transfer Systems – What Lesson Can Formal Channel Providers Learn From Them?Dr Roger Ballard, Expert on Hawala, MANCHESTER UNIVERSITY.IPS Debate: What Does It Take To Make Remittances Flow To Developing Countries? How Can All the Stakeholders Work Togetherto Build the Remittance Market?Eva King, Director for Payment Services, WESTERN UNION INTERNATIONAL.Daniel Ayala, Senior Vice President, Global Remittance Services, WELLS FARGO BANK N.A.Michael Whyte, Senior Market Manager, Banks & Payments Market Infrastructures, SWIFT.Dirk H. Kranen, Co-Ordinator of the G8 Meeting on Remittances, MINISTRY OF FINANCE, GERMANY.Closing Remarks from the ChairPlus interactive electronic polling with the audienceThe International Payments Wine Casino Wine Tasting.www.europaysol.euTo register call: +44 (0) 20 7017 7200 or fax: +44 (0) 20 7017 7807 or email: info@icbi.co.uk or visit: www.icbi-ips.com 3

International Payments Summit 2009Main Conference: Tuesday 12th-Thursday 14th May 2009 • Pre Conference Summit: PSD Boot Camp Monday 11th May 2009 • Royal Lancaster Hotel, LondonWHY YOU SHOULDN’T MISS IPS 2009More NetworkingWe understand how important networking is to our delegates at IPS and in 2009 we will beproviding you with even more opportunities to make new contacts and catch up with old friends.These are just some of the ways in which we will be making it easier that ever before for you tomeet the people you want to meet:■ Extended refreshment and lunch breaks■ A new speed networking morning on day two■ An enhanced version of SpotMe!■ A seated lunch with corporate treasurers■ Champagne round tables - to allow you more opportunities to meet our key speakers. Seebelow for details■ A breakfast briefing to allow you to build on our knowledge and network in a more relaxedenvironmentMore Keynote Speakers; Out of the Box Speakers and InterviewsHear from some of the most respected and dynamic speakers around! Once again we will bebroadening our speaker faculty beyond the cream of the payments world to include leadingacademics and some truly “out of the box” thought leaders.A New Day for Corporate TreasurersWe know that banks are more concerned than ever with understanding payments from the clientperspective, so this year the second morning of IPS will be devoted to what matters to corporatetreasurers in the new global financial landscape. Speakers will be drawn exclusively from thecorporate side of the track and this will offer you a unique opportunity to learn how they want theirbankers to respond to the challenges they face.Hear The Collective Industry Views Of Over 500 Payments ExpertsWith Our Expanded Electronic PollingYou loved our interactive polling system at IPS 2008 so this year we will extend the use ofelectronic polling throughout the event. We recognise that there is a vast wealth of knowledge andpractical experience that we can unlock in our high level, global audience and this will allow us toprovide you with a representative picture of where you think the industry is going on the topics thatmatter to you most.Post Event Report For More Effective Knowledge ManagementFollowing the hugely positive response to this new post event report in 2008, once again, an expertjournalist will produce a report that will be e-mailed to all delegates one week after the event, atno extra cost. Summarising all the key points from presentations, roundtables and interviews thisreally will make your life easier. It will reduce the pressure to take notes at the event; be aninvaluable reference tool afterwards and be an easy way to bring those colleagues who wereunable to attend up to speed.Enhanced 2009 Model Of SpotMe! For Easier Networking – NoOther Event Offers ThisThe most up-to-date networking technology there is – bar none and a highly popular feature of2008. SpotMe! enables you to get in touch with all the other attendees at IPS, exchange businesscards electronically, search the delegate list by individual and company and much more besides.And the new, enhanced version is full colour, with a full keyboard. In 2008 IPS attracted over 600senior executives from over 40 different countries, so the Spotme was a great way for facilitatingnetworking, not offered at other events.Gala Wine Casino EveningWe don’t want it all to be about work! After a day spent concentrating on payments issues, whatbetter way to unwind than with a glass of vintage wine? At the 2009 Gala Wine Casino eveningyou will taste some fabulous wines from around the world and challenge your knowledge of grapevarieties and vintages. This will also give you the chance to make those essential business contactsand build new relationships in a relaxed environment.Champagne RoundtablesOur champagne roundtables provide you with an unmissable opportunity to meet face to face withsome of our key speakers. Several topical subjects will be on offer and groups are kept small (about12) so that you can discuss specific issues in a highly interactive environment.Free Places for Corporate TreasurersOnce again we will be offering free delegate places to corporate treasurers, to maximise theopportunity for banks to enter into a productive dialogue with corporates throughout the durationof the four days.PRE CONFERENCE SUMMIT: Monday 11th May 2009THE PAYMENT SERVICESDIRECTIVE BOOT CAMP10.30 Registration11.00 Opening Remarks From The Chair: What Is The Payment ServicesDirective? Who Will It Impact And How? How Does The PSD FitWith The Single Euro Payment Area?Ruth Wandhöfer, Head of Payments Strategy Within The EMEA Global Transaction ServicesBusiness, CITI. Ruth is highly recognized in the European payment industry as one of theforemost authorities on the PSD and she is the Chair of the European Expert Group on thetransposition of the Payment Services Directive, a joint initiative of the three European CreditSector Associations. She is also a member of the Plenary of the European Payments Council as well as amember of the SEPA schemes working group, driving the continued evolution of SEPA.11.20 Strategy Roundtable: At This Stage, Which Aspects Of The PSDRemain Unclear Or Contradictory?Ruth Wandhöfer, Head of Payments Strategy Within The EMEA Global Transaction ServicesBusiness, CITI. See biography above.Simon Newstead, Head of Financial Institutions Advisory Group, Global TransactionServices, RBS. Simon has responsibility for the provision of advisory services to RBS clientsin relation to key industry and regulatory developments in the payments market, combinedwith responsibilities for representing RBS externally in relation to a number of theseinitiatives. Simon has extensive experience within the UK and European payment industry, includingplaying a leading role in the UK and European payment industry's efforts to lobby for positiveamendments to the draft Payment Services Directive (PSD) during the extensive period of negotiationbetween the European Council, Parliament and Commission.Dermot Turing, Partner, International Financial Institutions and Markets Group,CLIFFORD CHANCE. Dermot specialises in financial markets infrastructure and financialregulation, including: payments, clearing and settlement, operational risk, control andcompliance and licensing, passporting, MiFID, the Payment Services Directive and other EUdevelopments. Recent experience includes advising the European Payments Council in relation to theestablishment of pan-European payment schemes for the Single Euro Payments Area (SEPA) and anumber of banks on a wide variety of payments issues. Dermot is the author of Risk ManagementHandbook.12.00 Strategy Roundtable: How Does the PSD Impact All the DifferentStakeholders?Daniela Umstätter, National Expert, Retail Issues, Consumer Policy and PaymentSystems, DG Internal Market, EUROPEAN COMMISSION. She was substantially involvedin the negotiations of the Payment Services Directive and now deals with SEPA, Regulation2560 and the transposition of the PSD. Before joining the European Commission in 2006,Daniela Umstätter worked four years for the Austrian Central Bank (OeNB) in Vienna as an expert forpayments and payment systems strategy. She represented OeNB in several national and internationalworking groups.13.00 LunchBjorn Flismark, Senior Vice President Global Transaction Services, SEB. Björn Flismark isworking in Global Transaction Services at SEB. He is a Senior Vice President and has workedfor SEB since 1985 in various positions. He is responsible for contacts with authorities andindustry groups on clearing and settlement issues. He has been responsible for severalinfrastructure projects relating to payments, securities and foreign exchange. He is currently involved inSEB’s preparations for SEPA and PSD. Mr Flismark is Deputy Chairman of the Euro BankingAssociation. He is currently chairing a working group on SEPA and PSD Compliance which producedthe reports “Banks preparing for SEPA” and “Banks preparing for PSD” Mr. Flismark is a member ofthe European Payments Council and the Coordination Committee.Dr Thaer Sabri, Chief Executive, ELECTRONIC MONEY ASSOCIATION. The ElectronicMoney Association is the trade body representing electronic money issuers and paymentservice providers in the EEA. These include card payment schemes, e-money issuers andpayment service providers. Thaer has represented the interests of e-money firms withregulators on a variety of topics from financial regulation to anti money laundering and risk. The EMAis a member of the JMLSG and drafts the Money Laundering Sectoral guidance for e-money issuerswhich forms part of JMLSG Guidance. Thaer is also Director of Flawless Money Limited, a nicheconsultancy focusing on payments and e-money. It has represented e-money issuers in theirapplications for authorisation, in passporting into the EU and assisted issuers in developing internalsystems and controls.James Lockyer, Head of Training, THE ASSOCIATION OF CORPORATE TREASURERS.James leads the qualification and training programmes, both in the UK and internationally.He is actively involved with the technical content of all the ACT’s Education activities andalso contributes to training, publications, conferences and events. He is a charteredaccountant, MCT qualified, and is a Fellow of the ACT. He has over 15 years’ experience in treasury,corporate finance and risk management.Marc Pomes Bordedebat, Senior Product Manager – Payments Market, SWIFT. Marc’scurrent remit includes relations with the EMEA financial institutions and regulators asregards the SEPA and Low Value Payments Initiatives. He also supports SWIFT marketinfrastructure initiatives and represents SWIFT in a number of industry working groups andevents. Before joining SWIFT Marc worked with Société Générale in the Strategy and BusinessDevelopment department. He was in charge of domestic and international systems andstandardisation for payments, reporting and collections.John Burns, Senior Associate, Retail Policy, FINANCIAL SERVICES AUTHORITY. Johndeals with the UK implementation of the Payment Services Directive, having joined the FSAin June 2008. Prior to joining the FSA, John was Legal Adviser and Company Secretary toAPACS and the Payments Council, and was heavily involved in the UK banking industrywork on the Directive as it went through the legislative process from Commission proposal to thepublication of the Directive in the Official Journal.14.15 Setting the Scene for the Break Out SessionsRuth Wandhöfer, Head of Payments Strategy Within The EMEA Global Transaction ServicesBusiness, CITI. See biography above.14.30 Break Out SessionsHere’s where we put you to work!Client Communication and DocumentationKey PSD questions include whether to “opt out” corporate clients from the provisionsof Titles III and IV of the PSD, whether to amend documentation, and how tocommunicate changes with corporate and retail clients. This roundtable will considerpractical approaches to client relationship issues.OROperational ChangesThis break-out session will focus on reviewing and discussing the various elements of atypical PSP’s end-to-end operational model that may require review - and possiblychange - to ensure compliance with the PSD’s conduct-of-business requirements. Thiswill include an examination of aspects such as the execution cycle, the liability regime,and the implications of the “opt-out” possibilities for corporates built into Title IV of theDirective.”15.30 Break Out Sessions Facilitator Feedback15.50 Afternoon tea16.20 How We Have Approached Our PSD ProjectTony Richter, Strategic Business Development, Global Payments and Cash Management,HSBC. Tony joined the HSBC Group in 1979 and more than 15 years of his career havebeen spent outside the UK in Asia and Continental Europe. Following various managementpositions in both Corporate and Correspondent Banking, Credit and International Planning,Tony moved into Global Payments and Cash Management, Europe in 1998. His positions haveincluded roles in Project, Product and Sales Management. Current responsibilities are for strategicbusiness development across the European Region, including the Single Euro Payments Area (SEPA)and Payment Services Directive (PSD) Programme.Hartmut Bremer, SEPA Project Manager, DEUTSCHE BANK. Hartmut worked in theforeign departments of various banks and a German car company. In 1990 he moved tothe Cash Management area where he was instrumental for product development in ABNAMRO and JPMorgan Chase. In 2001 Hartmut joined the Product Management Area ofDeutsche Bank in Frankfurt. Before he dedicated all of his time to the implementation of SEPA he wasresponsible for the Bank's global mass payment processing. Hartmut is also the Deutsche Bankrepresentative in the SEPA Implementation working group of the German Bankers Association and inthe Steering Group of EBA's MPEDD Working Group17.00 Strategy Roundtable: Life After The PSD: Will We See InterestingProduct Innovations? What Will a New Competitive LandscapeMean to Traditional Players? What Are The Practical Long TermConsequences Of The PSD On The European Payments Industry?And What Are The Global Implications of The PSD?Peter Møller Jensen, Vice President, EU Relations/Regulatory Affairs, Legal Department,VISA EUROPE. Peter is responsible for government relations and regulatory affairs acrossEurope as well as the relations of Visa EU with the relevant EU institutions such as theEuropean Commission, the European Parliament, the European Central Bank and variousnational regulators. Peter’s main areas of focus are payment systems, banking, e-commerce,competition, data protection, money laundering and tax. For the past 5 years Peter has been dealingextensively with the New Legal Framework and the Payments Services Directive. Before joining Visahe was Vice President, Legal Department and Executive Board Secretariat at Danske Bank,Copenhagen dealing with a wide variety EU related legal matters.Mark Hale, Director, Performance Improvement, Head of Transaction Banking,PRICEWATERHOUSECOOPERS LLP. Mark has represented the UK Financial Servicesindustry within the UK and Europe on topics as broad as the Single Euro Payments Area,payment standards and trust services. He has served on the boards of all of the major UKelectronic payment clearings, represented the bank within the Association of Payments and ClearingServices and been an ex-officio office holder within the European Payments Council (EPC). In thesepositions he chaired the UK’s SEPA Working Group as well as the EPC’s Credit Transfer SchemeWorking Group and has therefore been at the heart of the SEPA and PSD projects.José M Beltrán, Director STEP2 Services, EBA Clearing. EBA Clearing STEP2 system is the Pan-European ACH (PE-ACH) providing euro Clearing & Settlement Services to the SEPA community, inSEPA instruments and providing a migration path from legacy. STEP2 SEPA Credit Transfers Servicewas successfully launched in January 2008 and EBA Clearing will be launching SEPA Direct DebitsServices for consumers and businesses from 2009. José has over 30 years experience in InternalPayments with major International Banks and has worked in major European financial centres. Joséjoined EBA Clearing in 1999, was a major driver in the design and development of the STEP2 PE-ACHand has overall responsibility for STEP2 Services.Simon Newstead, Head of Financial Institutions Advisory Group, Global TransactionServices, RBS. See biography above.17.55 Closing Remarks From The Chair18.00 Cocktail Party09.00 Opening Remarks from the Chair: Re-Assessing Risk in Paymentsin the New Global Financial LandscapePaul Camp, Global Head of Cash Management Financial Institutions, DEUTSCHE BANK.As Global Head for CMFI, Paul has P&L responsibility for CMFI and has all major CMFIregions (Europe, Americas, Asia, Middle East, etc.) reporting in to him directly. Prior tobecoming the Global Head of CMFI, Paul’s career at Deutsche Bank has spannedsignificant management roles in Operations, Product Management, Business Strategy, and Sales. Hehas also worked as a Business Strategy Consultant at McKinsey & Company.09.20 Keynote Address: A Fresh Approach to Risk Assessment and BankRegulation in the Wake of the Credit Crunch and the GlobalBailout of Financial InstitutionsDominic Hobson, Editor-in-Chief, GLOBAL CUSTODIAN. Born and educated inSouthern Rhodesia, Dominic graduated from Cambridge University in 1980. He spent fouryears in investment banking with Morgan Grenfell before electing to work for himself. Inaddition to his role at Global Custodian, Dominic is a published author, with three books tohis credit. The most recent, The National Wealth: Who Gets What in Britain, is a study of the ownershipand distribution of income and wealth in the United Kingdom.09.45 Special Address: Managing Intraday Liquidity Positions And RisksIn Payment SystemsMarc Hollanders, Special Adviser on Financial Stability and Market Infrastructure, BANKFOR INTERNATIONAL SETTLEMENTS. Marc contributes to the coordination of BISsupportedcommittee secretariats in the financial stability and markets areas and topayment and settlement issues as an adviser to Management and as a coordinator ofresearch and policy work within the BIS. He also coordinates the outreach programme for the CPSS.Previously Marc was Head of the Secretariat of the Committee on Payment and Settlement Systems(CPSS) which is based at the BIS. He was co-chair of the Task Force which prepared the report GeneralPrinciples For International Remittance Services which was published in January 2007.10.10 The Good News - Transaction Banking Continues To Be A StrongIncome Generator and Provider of LiquidityBertrand Lavayssière, Managing Director, CAPGEMINI GLOBAL FINANCIALSERVICES. Bertrand is responsible for strategy and managing the financial Servicesbusiness for the Group. His passion for financial services is evident, having held severalpositions in managing financial services teams nationally and internationally within theCapgemini Group. Since 2003, he has consistently led Capgemini’s Global Financial Services practicewith the development of leading-edge offers, the creation of a strong network of financialprofessionals and world-class thought leadership that both reflects and helps shape the FinancialServices industry. Serving over 900 clients worldwide, including most of the world’s leading financialinstitutions, he has shown a commitment to building long-term relationships, and his extensiveexperience in this industry is due to over 20 years of working in Consulting and IT on three continents.10.35 Morning Coffee11.25 Strategy Roundtable: Optimising The Value of Transaction Bankingto Your Bank in Challenging Times. Is It Time To Get Back ToBasics?Plus interactive electronic polling with the audiencePeter Hazou, Head of Strategy, Global Transaction Banking, for Cash Management, TradeFinance and Supply Chain, UNICREDIT. Peter joined UniCredit in February 2008, and iscurrently the bank’s delegate to the EPC. Prior to that, Peter served as GTB RegionalHead, Europe, at HSBC. From 1998 to 2001, Peter was Regional Manager for Citibank’sGTS unit for the CEEMEA Region. He began his career in 1978 at Manufacturers Hanover Trust Bankin New York.Richard Martin, Head of Transaction Services, BARCLAYS BANK. Richard is responsiblefor driving the commercial performance of this product range and ensuring that it isdeveloped to meet the needs of Barclays Global Commercial Banking’s customer base.Prior to joining Barclays in 2005, Richard was Global Head of Product Management,Payments & Cash Management, at ABN AMRO where he was responsible for the development androll out of their European Cash Management proposition at the time of the launch of the euro. Hestarted his career at HSBC where he played a leading role in the creation of their PaymentsTransmission Services Division, which was the first product led line of business to be established byHSBC.Rajesh Mehta, Treasury and Trade Solutions Head, Europe Middle East & Africa (EMEA),Global Transaction Services, CITI. Rajesh is responsible for the provision of cashmanagement, treasury and trade solutions to a broad range of customers includingmultinational corporations, top local companies, small and medium enterprises andfinancial institutions. Rajesh has been with Citi for 24 years and has held numerous roles across theglobe throughout his career. In January 2007, Rajesh moved to London to assume the role ofRegional Payments Head for Cash Management EMEA and was appointed to his current role inOctober 2007.12.15 Special Guest Address: Global Economic Outlook 2009 andBeyond: The Good, The Bad and The Ugly12.50 Buffet lunch.13.45MAIN CONFERENCE DAY ONE:Tuesday 12th May 2009A NEW PARADIGM FOR PAYMENTS AND TRANSACTION BANKING:OPTIMISING RISK MANAGEMENT AND BUSINESS VALUEStéphane Garelli, Professor, INTERNATIONAL INSTITUTE FOR MANAGEMENTDEVELOPMENT (IMD) and UNIVERSITY OF LAUSANNE. Stéphane is a world authorityon the international competitiveness of enterprises and nations and is Director of the WorldCompetitiveness Yearbook, published by IMD. This yearly report compares thecompetitiveness of forty-six nations using 250 criteria. Professor Garelli is closely connected to theworld of business. He is Chairman of the Board of Directors of “Le Temps”, the leading Frenchlanguage Swiss newspaper. He was formerly Chairman of the Board of the Sandoz Financial andBanking Holding, and member of the board of the Banque Edouard Constant. For twelve years hewas permanent senior adviser to the European management of Hewlett-Packard, and before thatManaging Director of the World Economic Forum and of the Davos Symposium for many years.“Off the Record” Session with our Special Guest Speaker, Stéphane Garelli.Smaller groups and a more relaxed environment will give you an unbeatableopportunity to enter into a dialogue with our keynote speaker.Champagne RoundtablesThese champagne roundtables will provide you with the ideal place to meet face toface with some of the key speakers. These key speakers will lead discussions on highlytopical subjects and groups will be kept small (about 12) so that you can discussissues on your agenda in a highly personal and interactive environment. Severaltopics will be on offer including:• Expectations for SEPA and the PSDLed by Daniela Umstätter, National Expert, Retail Issues, Consumer Policy and PaymentSystems, DG Internal Market, EUROPEAN COMMISSION.• Regulation and the Payments IndustryLed by Dermot Turing, Partner, International Financial Institutions and Markets Group,CLIFFORD CHANCE.• Corporate Drivers for ChangeLed by John Gleason, EMEA Regional Treasurer, DELL• Working Capital OptimisationLed by Andreas Knopf, Co-Managing Director, BPI BUSINESS PROCESS INTEGRATIONGMBH.• Workers’ Remittances: The Latest DevelopmentsLed by Leon Isaacs, Chief Executive Officer, DEVELOPING MARKETS ASSOCIATES• Innovations in PaymentsLed by Chris Skinner, Chief Executive, BALATRO• Collaborative Spaces for Banks and Payment Service ProvidersLed by Vipul Shah, Senior Director and Head of Global Core Payments, PAYPAL4To register call: +44 (0) 20 7017 7200 or fax: +44 (0) 20 7017 7807 or email: info@icbi.co.uk or visit: www.icbi-ips.com

International Payments Summit 2009Main Conference: Tuesday 12th-Thursday 14th May 2009 • Pre Conference Summit: PSD Boot Camp Monday 11th May 2009 • Royal Lancaster Hotel, LondonSTREAM A: SEPA AND THE PAYMENT SERVICES DIRECTIVE:WHAT HAPPENS NEXT?14.50 Opening Remarks from the ChairPlus interactive electronic polling with the audienceRuth Wandhöfer, Head of Payments Strategy Within The EMEA Global TransactionServices Business, CITI. Ruth is highly recognized in the European payment industryas one of the foremost authorities on the PSD and she is the Chair of the EuropeanExpert Group on the transposition of the Payment Services Directive, a joint initiativeof the three European Credit Sector Associations. She is also a member of the Plenary of theEuropean Payments Council as well as a member of the SEPA schemes working group, driving thecontinued evolution of SEPA.15.00 Off the Record Session with the European Commission:Expectations For SEPA and the PSDDaniela Umstätter, National Expert, Retail Issues, Consumer Policy and PaymentSystems, DG Internal Market, EUROPEAN COMMISSION. She was substantiallyinvolved in the negotiations of the Payment Services Directive and now deals withSEPA, Regulation 2560 and the transposition of the PSD. Before joining the EuropeanCommission in 2006, Daniela Umstätter worked four years for the Austrian Central Bank (OeNB)in Vienna as an expert for payments and payment systems strategy. She represented OeNB inseveral national and international working groups.15.25 Keynote Address from the ECB: What Does the Future Hold forPayments Harmonisation in Europe?Jean-Michel Godeffroy, Director General, EUROPEAN CENTRAL BANK. Prior tothis Jean-Michel was Deputy Head of the Policy Division at the European MonetaryInstitute in charge of the oversight of work being undertaken in the field of paymentand securities settlement systems. He joined the Bank of France in 1982 where heworked in the Foreign Exchange and Banking Supervisory departments. In 1989 - 1990 he spentone year with the Federal Reserve Bank of New York. He was appointed Rapporteur of theWorking Group on EC Payment systems by the Committee of Governors of EC Member States in1991. Mr Godeffroy chairs the Payment and Settlement Systems Committee of the Eurosystemand is a member of the Committee on Payment and Settlement Systems of the G10 countries’central banks.15.50 Special Address from the EPC: Do We Need an End Date forSEPA? How Can We Achieve PSD Compliance?Gerard Hartsink, Senior Executive Vice President of Global Transaction Services andMarket Infrastructures, ABN AMRO BANK. During his career Gerard has heldmanagerial roles in sales, product development and information management in ABNAMRO Group. He holds responsibility for the relationship ABN AMRO has with themarket infrastructures and industry standards bodies globally in the securities, payments, forexand cards industry. He is Chairman of the European Payments Council; a member of theEuropean Commission Expert Group e-invoicing; Co-Chairman of the ECB: Coordination GroupEuropean Payments Strategy; Board member of the Euro Banking Association and Chairman ofCLS Group Holdings and CLS Bank International16.15 Afternoon Tea16.50 The Payment Services Directive: What Are The KeyImplementation Issues? What Are The Opportunities and TheRisks for Banks?Bjorn Flismark, Senior Vice President Global Transaction Services, SEB. Björn hasworked for SEB since 1985 in various positions. He is responsible for contacts withauthorities and industry groups on clearing and settlement issues. He has beenresponsible for several infrastructure projects relating to payments, securities andforeign exchange. He is currently involved in SEB’s preparations for SEPA and PSD. Mr Flismark isDeputy Chairman of the Euro Banking Association. He is currently chairing a working group onSEPA and PSD Compliance which produced the reports “Banks preparing for SEPA” and “Bankspreparing for PSD”17.10 If You Haven’t Started Your PSD Project, What Should You DoNow?Simon Newstead, Head of Financial Institutions Advisory Group, Global TransactionServices, RBS. As Head of Financial Institutions Advisory Group for RBS GlobalTransaction Services, Simon has responsibility for the provision of advisory services toRBS clients in relation to key industry and regulatory developments in the paymentsmarket, combined with responsibilities for representing RBS externally in relation to a number ofthese initiatives. Simon has extensive experience within the UK and European payment industry,including playing a leading role in the UK and European payment industry's efforts to lobby forpositive amendments to the draft Payment Services Directive (PSD) during the extensive period ofnegotiation between the European Council, Parliament and Commission.17.30 The Role of Public Authorities in SEPASpeaker to be announced17.50 Expert Question and Answer Session: What Must AllStakeholders Do Now to Ensure the Ultimate Success of SEPAand the PSD?Günther Gall, Divisional Head of Transaction Services, RAIFFEISENZENTRALBANK. Günther joined RZB in 1969 and maintained several functions inthe payments area. He is currently responsible for products, profit responsibility forcash management, custody, cards and infrastructure. He represents the RaiffeisenBanking Group in the Supervisory Board of Stuzza (Society for Payment System Research andCooperation), he is also deputy chairman of the supervisory board of A-Trust, the Austriancertification authority. Internationally, he holds the position of a SWIFT Director at the SWIFTBoard and is member of the European Payment Council. and also a Board member of the EBAAssociationDermot Turing, Partner, International Financial Institutions and Markets Group,CLIFFORD CHANCE. Dermot specialises in financial markets infrastructure andfinancial regulation, including: payments, clearing and settlement, operational risk,control and compliance and licensing, passporting, MiFID, the Payment ServicesDirective and other EU developments. Recent experience includes advising the EuropeanPayments Council in relation to the establishment of pan-European payment schemes for theSingle Euro Payments Area (SEPA) and a number of banks on a wide variety of payments issues.Dermot is the author of Risk Management Handbook.Ian Drewery, International Banking Adviser, HM REVENUE AND CUSTOMS. Ianhas over 30 years of banking experience with NatWest, Chemical Bank and UBS,covering a broad spectrum of responsibilities, Money Market and Derivative trading,Treasury Management, Operations Management and more recently has worked for theEBA – Euro Banking Association in Paris through the implementation of the single currency andthe build up to the SEPA. He joined HMRC 4 years ago and advises on the commercial aspects ofthe international banking environment.Seppo Tanninen, Senior Counsellor, MINISTRY OF FINANCE, FINLAND. Seppo has workedin the Ministry of Finance since September 1989 and since 1993 he has been with the FinancialMarkets Department. His main duties are issues related to payments, e-money, money laundingand terrorist finance, market abuse, financial crisis and the euro. Seppo is a member of ECpayments committee and EC prevention of money laundering and terrorist financing committee.He is also an alternate member of the European Securities Committee and a member of theFinnish delegation to the FATF (Financial Action Task Force on Money Laundering). During theFinnish Presidency of the EU, autumn 2006, Seppo chaired the Council working groupnegotiating the Payment Services Directive.Tony Richter, Strategic Business Development, Global Payments and CashManagement, HSBC. Tony joined the HSBC Group in 1979 and more than 15 yearsof his career have been spent outside the UK in Asia and Continental Europe.Following various management positions in both Corporate and CorrespondentBanking, Credit and International Planning, Tony moved into Global Payments and CashManagement, Europe in 1998. His positions have included roles in Project, Product and SalesManagement. Current responsibilities are for strategic business development across theEuropean Region, including the Single Euro Payments Area (SEPA) and Payment Services Directive(PSD) Programme.18.20 Closing Remarks from the ChairPlus interactive electronic polling with the audience18.3014.50 Opening Remarks from the ChairPlus interactive electronic polling with the audienceHarold Young, Global Head of the Payments Franchise, DEUTSCHE BANK. Prior toDeutsche Bank, Harold had spent time at several money centre financial institutions.While he has managed sales and implementation functions at various points, andspent part of his career as a consultant on transaction banking, he is known in theindustry primarily for his work in the product management discipline and the development ofhorizon banking strategies. In 2006 he was named one of the “100 Most Influential People inFinance” by Treasury and Risk Management magazine. His areas of expertise include trade andtrade finance, liquidity and investment services, e-commerce, and asset management.15.00 IPS Interview: Assessing The Impact Of The Recent FinancialTurmoil onTransaction Banking - What Should Be Keeping YouAwake At Night?Robert J.G.M. Heisterborg, Global Head Payments and Cash Management, INGWHOLESALE BANKING PRODUCTS. Robert has been involved in payments andcash management since 1989. His experience ranges from treasury, cash and liquiditymanagement at large international corporates to the commercial and operationalprocesses within ING. His current responsibilities include Product Sales, Product Development andClient service. In addition, he is a member of the EPC Plenary and Vice-Chairman of the EBAClearing Board. In these roles he is one of the founding fathers of the Single Euro Payments Area(SEPA). Before starting his career at ING Robert Heisterborg worked for 3 years as a Treasurer atSchiphol Airport.15.25 Special Economic Address: Why Investment in Innovations IsEssential For The Health Of The Financial Services IndustryGuest Speaker to be announced15.50 Why Did The Global Payments Infrastructures Survive TheFinancial Meltdown of 2008? Did Any Cracks Appear?Geoffroy de Schrevel, Head, Banking, Corporate and Trade Initiatives Group forEMEA, SWIFT. Geoffroy is in charge of driving the market strategy in Europe, MiddleEast and Africa and the deployment of SWIFTSolutions in the payments, cash andtrade spaces. As SWIFT SEPA programme director, he is responsible for thecommercial definition, the execution and the extension of this key initiative in the rest of theregion. Previously, Geoffroy held senior positions with KPMG. He was an executive member ofthe founding team of Maestro International after holding senior positions with EuropayInternational, where he developed domestic payment systems in several Central Europeancountries.16.15 Afternoon Tea16.50 Lessons Learnt From The FX MarketRob Close, Chief Executive Officer, CLS GROUP HOLDINGS and President and CEO,CLS BANK INTERNATIONAL. Previously he held the positions of Deputy CEO of CLSGroup Holdings and CEO of CLS Services Ltd. He joined CLS in November 2000 asChief Operating Officer. Previously, Rob had been, until mid 1997, part-timeProgramme Director for the ‘G20’ and responsible for establishing the Business RequirementsSpecification for the CLS Bank service.17.10 Payments Due Diligence: Monitoring and Managing IntradayLiquidity Against Your Client ProfileMasayuki (Mike) Tagai, Chief Manager, Planning Department, Transaction ServicesDivision, THE BANK OF TOKYO-MITSUBISHI UFJ, LTD. Mike is responsible forindustrial and strategic issues regarding the payments, clearing, settlement andcustodial business of the Bank of Tokyo-Mitsubishi UFJ, Ltd., in Tokyo. His backgroundis business development and change management. Current programs involved include stockdematerialization, payment market practice conversion and payment market deregulation, all inJapan. His other areas of expertise include financial crime, environmental finance and socialfinance.17.30 IPS Debate: Payments and Transaction Services: A CommodityBusiness Or A Valuable Revenue Stream To Be Invested InDuring Tough Times?Robert J.G.M. Heisterborg, Global Head Payments and Cash Management, INGWHOLESALE BANKING PRODUCTS. Robert has been involved in payments andcash management since 1989. His experience ranges from treasury, cash and liquiditymanagement at large international corporates to the commercial and operationalprocesses within ING. His current responsibilities include Product Sales, Product Development andClient service. In addition, he is a member of the EPC Plenary and Vice-Chairman of the EBAClearing Board. In these roles he is one of the founding fathers of the Single Euro Payments Area(SEPA). Before starting his career at ING Robert Heisterborg worked for 3 years as a Treasurer atSchiphol Airport.Andy Wright, Head of Financial Institutions, Global Transaction Services, THEROYAL BANK OF SCOTLAND. Andy previously worked as the MD and Head ofGlobal Banking Services within Financial Institutions Relationship Management, RBS.He led the team that had functional responsibility for delivering the RBS transactionbanking proposition to financial institutions globally and supporting client coverage from acommercial banking perspective. He has worked in a variety of roles across Natwest’s clientfacing and risk management businesses. He spent six years in Asia in the mid 1990’s in a creditrole for NatWest Markets Tokyo, followed by two years as a Branch Manager, NatWest MarketsSeoul. Andy returned to London in 1998 to assume responsibility for Correspondent Bankingactivities across Europe.Andreas Pratz, Partner, Financial Services, A.T. KEARNEY GMBH. Andreas has 10years experience in the card business and consumer finance (SEPA,debit/credit/ATM/POS strategies, consumer finance, processing); banking operationsand transaction banking (carve-out, benchmarking, process optimization, qualitymanagement); sales improvement, channel design and product strategies (multi-channelintegration, branch optimization, incentive systems) and shared services, outsourcing andoffshore migration (activity analysis, business case, location evaluation). Prior to joining A.T.Kearney, Andreas gained practical experience with Vereinsbank (Madrid), Gerling (Mexico) andDeutsche Bank (Sao Paulo).18.20 Closing Remarks from the ChairPlus interactive electronic polling with the audience18.30Cocktail Party with Magazine CoversFancy being a business hot-shot, sports star, celebrity, or model! Have yourphotograph taking and overlaid with magazine covers making you thecelebrity. Delegates will be able to pick from a wide range of magazinessuch as Time Magazine, The Economist Hello, Vogue, Golf World and Men’sHealth and take home a photograph of them looking as though they havebeen featured on the front cover of a magazine of their choice.OR STREAM B: WHAT DOES THE CREDIT CRISIS MEANFOR PAYMENTS AND TRANSACTION SERVICES?Cocktail Party with Magazine CoversFancy being a business hot-shot, sports star, celebrity, or model! Have yourphotograph taking and overlaid with magazine covers making you thecelebrity. Delegates will be able to pick from a wide range of magazinessuch as Time Magazine, The Economist Hello, Vogue, Golf World and Men’sHealth and take home a photograph of them looking as though they havebeen featured on the front cover of a magazine of their choice."IPS presents an excellent opportunityto plan for the future by understandingthe present"Erik Rundcrantz, EON Treasury14.50 Opening Remarks from the ChairPlus interactive electronic polling with the audienceChris Skinner, Chief Executive, BALATRO. Chris is an independent commentator on thefinancial markets; Chair of the European networking group the Financial Services Cluband a co-founder of the website Shaping Tomorrow. He is well-known for his regularcolumns in a variety of media and daily blog, which can be found atwww.theFinanSer.com. He is the author of several books including “The Future of Banking”, “TheFuture of Finance after SEPA” and “The Future of Investing after MiFID”.15.00 Assessing the Latest Developments in Electronic, Contactless andMobile Payments and Their Market PotentialSamee Zafar, Director, EDGAR, DUNN & COMPANY, a global management consultingfirm. Samee has advised some of the world’s largest organisations in North America andEurope, working at the Board level. Samee leads the firm’s practice in “AdvancedPayments” which covers internet, contactless, and mobile payments. He has consultedextensively on retail payment systems covering retail instruments including ACH payments, credit,charge, and debit cards. He previously held leadership positions at PricewaterhouseCoopers and atScient Consulting based in New York. He started his career with Visa International. He has coauthoreda book “Developing and Managing a Successful Payment Cards Business” published byGower Publications.15.20 Keynote Address: A Commercial Analysis of the EmergingBusiness Models for Mobile Payments: Understanding theDifferent Technologies and How to Harness Them To DifferentiateYour Mobile OfferingMung Ki Woo, Vice-President Payment & Contactless, Group Strategic Marketing,ORANGE. Mung Ki has been with France Telecom-Orange Group since 2005 and is incharge of developing new mobile payment and mobile contactless services. He startedhis career in the UK working on very large defence communication projects. He thenjoined a consultancy as a practice director. His last position was director at a French interbankorganisation specialised in electronic payment systems.15.40 IPS Interview: The European Payments Council/GSMA Initiative onMobile PaymentsDag-Inge Flatraaker, General Manager and Head of Group Interbank Infrastructure andPayment System Strategy, DnB NOR. Dag-Inge holds key positions both in theNorwegian and European payments landscape, including key positions in the EuropeanPayments Council (EPC). Among his duties he chairs the EPC Mobile-Channel WorkingGroup and has also formerly chaired both the EPC Nomination & Governance Committee and theEPC Standards Support Group. His professional background also includes a former career in theCentral Bank of Norway.Dr. Nav Bains, Senior Projects Director For The NFC And The “Pay-Buy Mobile” (M-Payment) Initiatives, GSMA. Nav has over 18 years experience in the telecommunicationsindustry and has successfully managed a number of large global communicationsprojects. Prior to GSMA, Nav worked for LogicaCMG and ICO Global communications.16.00 Addressing The Regulatory Challenges Surrounding MobilePayments, From Both the Telecoms and The Financial Regulator’sPerspectiveRoy Vella, Director of Mobile, ROYAL BANK OF SCOTLAND. Roy joined RBS in April2008 to lead the bank’s mobile efforts globally. Before RBS he spent five years withPayPal starting out as the Director of Business Development in the US Merchant Servicesteam and finally as the Head of Mobile Payments leading the mobile payments initiativein Europe. Prior to PayPal, Mr. Vella worked as the VP of Sales & Marketing at 4charity, Inc. (asoftware startup focusing on corporate philanthropy for the Fortune 500), and as a Partner atQuantum Technology Ventures (a corporate VC firm focusing on the storage industry). As anentrepreneur, Mr. Vella co-founded NetAbacus Corporation, a web-based purchasing service for smallbusinesses.16.20 Afternoon tea16.50 Contactless Technologies: Will They Change The Face OfPayments?Speaker to be announced17.10 Case Study: Winning The Battle For Market Share In OnlinePaymentsVipul Shah, Senior Director and Head of Global Core Payments, PAYPAL INC, an eBaycompany. Vipul is responsible for the design and management of PayPal’s funds transfersolutions worldwide spanning various payment types including ACH, cards, checks, andwires. He is also responsible for the management of PayPal’s global portfolio of bank andnetwork relationships. Prior to joining PayPal, Vipul led Wells Fargo’s nationwide retail and wholesalelockbox services, managing strategic alliances and spearheading key initiatives in the electronificationof payments such as Account Receivables Conversion (ARC) and Check 21. Vipul is a graduate ofGE’s Technical Leadership Program (TLP) and had stints in a variety of design engineering roles at GEAircraft Engines.17.30 IPS Debate: What Will the Latest Innovations in Delivery ChannelsMean for Payments Providers in Competitive and OperationalTerms? Are The Banks Going To Be Disintermediated By The NewPayments Providers?Ron van Wezel, Senior Vice-President, Market Infrastructures Department, ABN AMROBANK. Ron van Wezel has more than 20 years experience in the payments & cardsindustry and he leads the group’s involvement in financial industry developments forPayments and Cards. He represents the bank in international schemes, marketinfrastructures and industry bodies (like EPC, EBA, SWIFT, MasterCard/Visa). In 2007 Ron wasappointed chairman of Mobey Forum, the leading cross-industry group for mobile financial services.Olga Botero, Chief Information Officer, BANCOLOMBIA. Olga has more than 20 years experiencein the ICT sector. She is responsible for the IT strategy and IT operations for Bancolombia as well asits affiliates in Colombia and internationally. Before Bancolombia, she spent 8 years working forOrbitel, one of Colombia’s leading telco companies. While there, she devised and implemented salesand retention strategies for corporate customers, SMEs, carriers and wholesalers. She also designedand co-ordinated the strategy of the billing group, the customer support and the customer operationsinformation management groups. Prior to joining Orbitel, she was Executive Director of Fedcolsoft,the Colombian software association which represents all software producers inn Colombia.Bengt T Hansson, Chairman - Swedish eBusiness Network. Lean Expert - NORDEABANK AB , Member of SWEPRO. Bengt has a long experience from using andimplementing e-business services within national and international organizations (e.g.Music, Banking, Insurance, IT, Manufacturing, Medical & Healthcare and Car industry).Bengt has been involved in the European (Euro Banking Association) e-invoicing standardizationwork. Bengt has also been involved in the Scandinavian Banking sector work to establish a commoninfrastructure for e-services. Bengt is the chairman of the Swedish eBusiness Network (NEA), which isa non profit organisation with members from public and private sector. NEA manages eBusinessrelated issues like policies, regulation, consumer trust, trends, standards, business values, securityissues, information, Marketing, Web, publishing, competence development and information sharing.Our latest publication is "NEAs Guide to e-Commerce Law". SWEPRO is the Swedish forum fortrade facilitation where Sweden’s central stakeholders gather to discuss and exchange views onnational and international work. Its mission is to spread knowledge about the benefits of tradefacilitation and to participate actively in international processes in the area.Robert Swerling, Principal, New Business Development Team, GOOGLE. Robertfocuses on new product incubation and early stage partnerships. He was formerly Head ofCommerce Partnerships for EMEA. Before joining Google in 2006, Robert was COO ofCMA (now part of the Chicago Mercantile Exchange), a company he co-founded in 2001,which has become the leading provider of intra-day credit derivative data systems and services to thefinancial markets.18.20 Closing Remarks from the ChairPlus interactive electronic polling with the audience18.30OR STREAM C: NEW DELIVERY CHANNELS FOR PAYMENTSCocktail Party with Magazine CoversFancy being a business hot-shot, sports star, celebrity, or model! Have yourphotograph taking and overlaid with magazine covers making you thecelebrity. Delegates will be able to pick from a wide range of magazinessuch as Time Magazine, The Economist Hello, Vogue, Golf World and Men’sHealth and take home a photograph of them looking as though they havebeen featured on the front cover of a magazine of their choice.To register call: +44 (0) 20 7017 7200 or fax: +44 (0) 20 7017 7807 or email: info@icbi.co.uk or visit: www.icbi-ips.com 5

International Payments Summit 2009Main Conference: Tuesday 12th-Thursday 14th May 2009 • Pre Conference Summit: PSD Boot Camp Monday 11th May 2009 • Royal Lancaster Hotel, London608.00 Breakfast Briefing on The Payment Services Directive led byCapgeminiWhile banks drive to meet the new Payment Services Directive (PSD), makingtheir contractual terms and conditions PSD compliant will be their biggest task,followed by concerns over organisational and IT infrastructure. Prior to the 2009International Payments Summit, Capgemini and ICBI will be conducting a surveyacross European banks asking them to comment on a range of PSD issues andSEPA. The findings of this survey, which will be analysed and presented byCapgemini at the breakfast briefing, will reveal the impact and challengesEuropean banks expect to encounter with the approaching implementation.To register to attend this event, please contact info@icbi.co.ukPlease note that attendance is limited and so early registration isencouraged.09.00 Opening Remarks from the ChairPlus interactive electronic polling with the audienceOlivier Brissaud, Managing Director, VOLKSWAGEN FINANCE BELGIUM SA/NV,Managing Director, VOLKSWAGEN GROUP SERVICES, a worldwide Treasury SharedService Center for the Volkswagen Group. Olivier joined Volkwagen as Treasurer of theCoordination Center in Brussels in 1989 after eight years of correspondant andcorporate banking with BBL (now ING). Olivier has been Chairman of the Board of theAssociation of Corporate Treasurers in Belgium since February 2001. ATEB is a founding memberof the European Associations of Corporate Treasurers; Olivier is member of EACT’s Board and hasbeen Chairman of the Board from May 2007 until October 2008. Olivier is now the BoardMember for European Affairs as well as the Co-Chairman of the European Payments Councils’Customer Stakeholders Forum. Olivier has been an executive board member of the InternationalGroup of Treasury Associations since 2004.09.10 Special Address: In A Time Of Shifting Sands, Who FinancesWho In Europe?Graeme Leach, Chief Economist, INSTITUTE OF DIRECTORS. Graeme’sresponsibilities include all aspects of macro and micro economic policy analysis and hehas written and spoken extensively on the economics and politics of the euro. He iscurrently undertaking a major new research project examining all aspects of theimpact of e-commerce on the UK economy. Prior to joining the IoD he was an Associate Directorat The Henley Centre, analysing future economic and social change. Graeme also acts as aconsultant on future economic and social change to a number of major UK companies. As partof this consulting, he has recently produced ‘Tomorrow’s Work, A Report Into The Future Of TheWay We Work’, and is currently researching for a forthcoming book entitled ‘The Future of theWest’.09.35 Financial Supply Chain Stability: Why Optimisation of WorkingCapital Has Never Mattered MoreRobert Smid, Partner, Transaction Advisory Services – Working Capital Services,ERNST & YOUNG. Robert is the head of Working Capital Services in GSA and BeNe,Prior to joining E&Y London, he was the European head of Hackett-REL’s WorkingCapital practice and the global head of Hackett-REL’s order to cash practice. Over thepast 14 years he has worked for a wide range of clients across many geographies. In the process,he helped to deliver billions of euros in working capital improvements for clients such as Alcatel,Bayer, Bull, Ericsson, Ford, KPN, Philips, IBM, RWE and Siemens.9.55 What Could Credit Crunch Induced SME Instability Mean toLarge Corporates And What Can They Do To Help?Hédi Ezzouaoui, Worldwide Director, Financial Markets, HEWLETT-PACKARD. Hédidevelops vertical industry solutions in the domains of banking, treasury managementand straight-through processing between banks and large corporations. He runs thejoint programme between HP and S.W.I.F.T. fostering the adoption of the SWIFTNetnetwork within the financial and corporate industries. Hédi is also the driving force behind HP’sBanking Innovation initiative.10.15 Strategy Roundtable: What Do Corporates Really Want fromTheir Payments Providers? How Do Payments Fit Into Our Cashand Liquidity Landscape?Brian Welch, EMEA Treasurer, RACKSPACE, a leading webhosting company. He haswide experience as a corporate treasurer at Gulf Oil, the Willis Group, House of Fraser,and the Halcrow Group, and as an independent consultant. He is a non executiveadvisor to the Investment Committee of the London Stock Exchange and a member ofthe ACT Policy & Technical Committee, and represents the ACT on the Foreign Exchange JointStanding Committee.Ronald Mulder, Financial Manager, EUROCIL HOLDING B.V.Eurocil Holding B.V. is the European Head Quarter of Israel Chemicals Fertilizers Europe, one ofthe business segments of Israel Chemicals Ltd. (ICL). ICL is a global group engaged in thedevelopment manufacture and marketing of fertilizers, industrial products, performance productsand metallurgy. Ronald has been with Eurocil Holding and her subsidiaries for twelve years. Hisresponsibilities include the areas of treasury operations, cash and debt management, currencyand commodity exposures, taxation, risk management and customer credit issues. Prior to joiningEurocil, Mr. Mulder held positions in a construction factory (finance and IT) and in DutchTelecom (IT and Marketing).Thomas Light, Treasury & Cash Management Lead EVO, VODAFONE. Thomasjoined Vodafone’s Group Treasury Back Office in 2002. In 2005 he left the complianceand reporting role to build a treasury function in Group Services. Early in 2007 Thomaswas re-assigned to his current position as Treasury & Cash Management Lead on theglobal transformation project ‘EVO’, a project for which Vodafone received the annual 2008EuroFinance Award for Treasury Excellence.Tim Allison, Group Treasurer, LOGICA Plc.Andreas Knopf, Co-Managing Director, BPI BUSINESS PROCESS INTEGRATIONGMBH. Andreas has been an active player in the corporate treasury area for morethan 16 years and was heading the Treasury Operations and Processes Team withinthe SAP Treasury department. In May 2008 Andreas joined BPI Business ProcessIntegration GmbH – a company specializing in software development and consulting corporatein-house banking, cash management, bank connectivity, payment reconciliation and end to endfinancial supply chain projects.11.05 Morning CoffeeMAIN CONFERENCE DAY TWO:Wednesday 13th May 2009CHALLENGES FACING CORPORATESIN THE NEW FINANCIAL LANDSCAPEAttend The Brand New Speed Networking Sessions - This year weintroduce our highly effective Speed Networking Sessions. Taking place during thecoffee break, delegates signed up for speed networking will meet up to 20 people,at random, each for a minute. They will be able to swap business cards and brieflyexplain their interests before moving onto the next contact. Then after the session,delegates may choose to revert to some they have met for a longer chat. This is aquick and highly efficient way of meeting a large number of your peers at theevent.11.45 Strategy Roundtable: How Prepared Are Corporates For SEPA?What Will The Payment Services Directive Mean forCorporates? How and Why Will SEPA and the PSD Help Us ToAutomate?Gianfranco Tabasso, CEO, FMS GROUP. Gianfranco is also Vice President of theAssociation of Italian Corporate Treasurers (AITI) and Chairman of the EuropeanAssociation of Corporate Treasurers Payment Commission. In this capacity, he plays anactive role in the development of SEPA and represents European corporate treasurersto the EU Commission, the ECB and the EPC. He is a member of the EC’s Experts Group on E-Invoicing, co-chairs the EPC’s E2E STP Task Force and participates in Italy’s SEPA NationalCommittee of behalf of Italian corporate treasurers. He also takes part in numerous ISO, SWIFTand TWIST working groups who design and validate new XML payment and trading standards.He is the Coordinator of CAST (Corporate Action for STandards), a EACT “market initiative” toextend and enrich SEPA, promote standardisation and best practices in financial supply chainautomation and working capital management.Raffi Basmadjian, Head of Group Cash Management and Head of IT for GroupTreasury, FRANCE TELECOM GROUP TREASURY. Raffi started his career 15 yearsago within France Telecom Group Treasury. E is mainly focused on cash managementprocesses and procedures, dealing with bank architecture and cash pooling. In thisframe, SEPA is part of his responsibilities as well as the FT Group Treasury Global Processes(Netting, Cash Pooling, Payment Factory).Andreas Resei, European Treasurer, MONDI GROUP. After finishing his studies,Andreas worked for several years in a bank. Since 1989 he has been employed incorporate treasury functions mainly in the paper industry. His responsibilities in variousroles covered also related areas including IFRS-accounting, corporate risk- and creditmanagement. He joined the Mondi-Group in 2001.Massimo Battistella, Manager of Accounts Receivables, Administration Services,TELECOM ITALIA SpA. His responsibilities include the direction and leadership ofover one hundred forty people operating various account receivable activities for theTelecom Italia Group. Massimo has spent his entire working career in corporatetreasury and finance management. He started with Danieli & C., an Italian engineering company,as Group Treasurer and then Finance Director. Before joining Telecom Italia he was FinanceDirector of Blu SpA, another Italian mobile telecomunication company. He is a Board Member ofAITI (the Italian Association of Corporate Treasurers), participates in bank-industry workinggroups on payment standardisation and SEPA.12.35 Special Guest Address: Managing Reputational RiskGerald Ratner, Former Chief Executive, RATNERS GROUP . Gerald is a Britishbusinessman. He is best known as the former millionaire chief executive of the majorBritish jewellery chain Ratners Jewellery, when he achieved notoriety after making aspeech which caused the company’s bankruptcy. Gerald Ratner based his philosophyof business on his experiences as a boy in Petticoat Lane Market. He observed that “the peoplewho shouted the loudest and appeared to give the best offers sold the most.” On this basis hebuilt up an extremely successful chain of jewellers during the 1980s, Ratners Jewellery. Althoughwidely regarded as “tacky”, the shops and their wares were nevertheless extremely popular withthe public, until Gerald made a speech at the Institute of Directors in April 1991. During thespeech, he said: We also do cut-glass sherry decanters complete with six glasses on a silverplatedtray that your butler can serve you drinks on, all for £4.95. People say, “How can you sellthis for such a low price?’ I say, because it’s total crap.”This was widely reported, business plummeted and the company was forced to go intoreceivership. Even today, Ratner’s gaffe is still famous in the British Retail industry as an exampleon the value of branding and image over quality.13.10 Seated Lunch.Your Opportunity to Have Lunch with the Treasurers14.35 Opening Remarks from the ChairPlus interactive electronic polling with the audience14.45 Special Address: Is There Now A Very Real Danger That SEPAWon’t Happen?Chris Skinner, Chief Executive, BALATRO. Chris is an independent commentator onthe financial markets; Chair of the European networking group the Financial ServicesClub and a co-founder of the website Shaping Tomorrow. He is well-known for hisregular columns in a variety of media and daily blog, which can be found atwww.theFinanSer.com. He is the author of several books including “The Future of Banking”,“The Future of Finance after SEPA” and “The Future of Investing after MiFID”.15.05 What Has SEPA Implementation Meant in Practice? WhatLessons Can We Learn From The SCT Going Live?Hartmut Bremer, SEPA Project Manager, DEUTSCHE BANK. Hartmut worked inthe foreign departments of various banks and a German car company. In 1990 hemoved to the Cash Management area where he was instrumental for productdevelopment in ABN AMRO and JPMorgan Chase. In 2001 Hartmut joined the ProductManagement Area of Deutsche Bank in Frankfurt. Before he dedicated all of his time to theimplementation of SEPA he was responsible for the Bank’s global mass payment processing.Hartmut is also the Deutsche Bank representative in the SEPA Implementation working group ofthe German Bankers Association and in the Steering Group of EBA’s MPEDD Working Group.15.25 How Processors Can Help Banks in Payment SystemsModernizationMario De Lorenzo, Director of Payment Systems, SIA-SSB.Mario began his career in 1984 at IBM where he held various managerial positions.He joined SIA in May 2003 with the appointment of Executive Consultant and laterDirector of the Project Management Business Unit and Director of Central PaymentSystems. Mario is also contributing to SIA-SSB’s development towards SEPA and, in particular, hewas Program Manager working on the design and creation of STEP2, the first and currently onlyPE-ACH (Pan European Automated Clearing House), created by EBA Clearing, which managesretail payments at European level.15.45 Strategy Roundtable: Where Next With SEPA Direct Debits?What Are The Real Issues To Be Addressed?Christian Westerhaus, Head of Product Management Financial Institutions,DEUTSCHE BANK. Christian is a member of various industry committees includingthe European Payments Council (EPC) where he serves as the Chairman of the SEPAPayments Scheme Working Group. He is also a Board Member of EBA Clearing. Priorto joining Deutsche Bank in 2003, Christian was the Head of Global Clearing and SWIFT Projectswith HypoVereinsbank in MunichMartine Brachet, Head of Interbank Relationships Department, Banking ServicesDivision, SOCIETE GENERALE. Martine started her career with BNP Paribas andlater she joined Barclays Bank where she created the Electronic Banking ParisDepartment. She is the official representative of SocGen at various bankingorganizations such as the French market infrastructures and French banks in TARGET WorkingGroup, ISO Registration Management Group and Core Banking Committee, SWIFT StandardsAdvisory Council and Payments Maintenance Working Group. She chairs the SWIFT French usersgroup. Martine is greatly involved in the French national SEPA steering committee.Ashley Dowson, Chairman, THE SEPA CONSULTANCY, a specialist company thataims to provide strategic advice to banks, corporates, public authorities and suppliersto the European payments industry. He previously occupied senior positions inBarclays for over 30 years, latterly as Chief Operating Officer & Managing Director ofBarclays Group Treasury. Ashley was an EBA Board Member during the period of the introductionof the Euro and was highly instrumental in the creation of the EBA’s EURO1 Clearing System.16.20 Afternoon teaSTREAM A: SEPA IMPLEMENTATION:WHAT DOES IT MEAN IN PRACTICAL TERMS?16.50 Strategy Roundtable: SEPA For Cards: A Unique Opportunity ForAll StakeholdersNorbert Bielefeld, Deputy Director, Payments and Securities, EUROPEANSAVINGS BANKS GROUP - WORLD SAVINGS BANKS INSTITUTENorbert joined the ESBG/WSBI in November 2001 with responsiblities for all paymentstopics and securities markets both European and worldwide. He represents ESBG onthe ECB’s TARGET2 Securities Advisory Group, the European Commission’s E-Invoicing ExpertGroup, and chairs the European Payments Council’s Cards Standardisation Task Force. He servedas Secretary General of the European Payments Council for its inaugural term and was re-electedto the Steering Committee of the Global Payments Forum in 2006.Dominique Buysschaert, Founder and CEO, PAYFAIR GROUP.Dominique is the designer of the innovating and disruptive concept PayFair, the newEuropean payment scheme. After being a lawyer for 20 years, with practice incommercial & competition law, Dominique was general counsel for 8 years withCarrefour Belgium where he was secretary general of the board of directors and member of themanagement committee. He was also board member of FEDIS, the Belgian retail federation.Petra Stange, Head of Commercial Cards, DEUTSCHE BANK. Petra is responsiblefor commercial card strategy, development and sales. Prior to this, she was their VicePresident and Senior Product Manager of commercial cards. Previously she worked forAmerican Express International Inc as its Travel Agency Manager before becoming itsBank Alliances Manager for Germany and Austria. She was responsible for implementing andmanaging 3rd party distribution channels (issuing and acquiring) in addition to key accountrelationship management. She has worked in the cards and finance sector for over fifteen years.17.35 IPS Debate: The Impact of SEPA on Domestic Landscapes –Payments Infrastructures in a Post SEPA WorldGilbert Lichter, CEO, EBA CLEARING COMPANY and Secretary General, EUROBANKING ASSOCIATION (EBA. EBA was in charge, together with the BIS, ofmanaging the ECU Clearing System. Besides operating the ECU payment system, EBAacted as a forum for the European payments industry and - in view of the introductionof the euro - fostered the development of pan-European payment system initiatives, such asEURO1 for cross-border high-value payments and STEP1 for low-value payments in euro. Since1998, Gilbert is also Chief Executive Officer of the EBA Clearing Company, which was created in1998 to be the operator of the EURO1/STEP1 payment system. In April 2003, EBA CLEARINGlaunched the first Pan-European ACH, STEP2, for processing retail payments. Today, STEP2 is theunique central platform in SEPA for exchanging the new SEPA Credit Transfers, to be extended in2009 for processing SEPA Direct Debits.Jad Khallouf, Chief Executive Officer, STET. STET operates a new automatedclearing house for retail payments in Europe and handles notably French retailpayments. Jad has also served as Chairman of the European ACH Association(EACHA), which regroups 20 member institutions operating in payment processing andclearing. Previously, as an economist with the IMF in Washington, he designed policy reforms andstructural adjustment programs. Later on, as an investment banker with CCF in Paris, he headedproject advisory and finance. As director of strategic development with GE Capital in London andParis, he led corporate acquisitions in several Europe markets. More recently, he was involved inbanking and financial reforms including Basle II, the IFRS, and SEPA.Manfred Schuck, Executive Advisor to the Board of Directors, EQUENS. UntilDecember 2008 Manfred was General Manager Marketing & Sales, responsible forEquens’ client base in Europe. He has been active in the European PaymentsLandscape for a long time and represents Equens in many associations of theEuropean payments industry. Before Equens, Manfred worked as Director Payments Services andElectronic Banking for major German banks, such as Commerzbank and DZ BANK for more than20 years.Paul Styles, Business Solutions, ACI WORLDWIDE (EMEA) LTD. Paul Styles isresponsible for wholesale banking within Business Solutions in ACI Worldwide EMEA.Paul has worked for various international banks throughout Europe including MidlandBank International, Banco Santander, National Data Corporation, Banco Exterior-Argentaria and Crédit Lyonnais. His knowledge and business expertise spans the electronicwholesale banking arena and cash management. Whilst with Crédit Lyonnais, Paul fulfillednumerous other responsibilities including Director of CHAPS.Marc Niederkorn, Director, MCKINSEY & COMPANY. Before joining McKinsey in1995, Marc has worked with Mercer Management Consulting in Paris, London andWashington and in the FIG M&A group of Morgan Stanley in London. Since he joinedMcKinsey, Marc has mainly worked in Banking, Insurance and Telecommunications andhas served public institutions. He has been involved in card strategies; the introduction of “leanmanufacturing” techniques; the re-structuring of the domestic and international paymentsoperations and the consequences of SEPA.18.20 Closing Remarks from the ChairPlus interactive electronic polling with the audienceTo register call: +44 (0) 20 7017 7200 or fax: +44 (0) 20 7017 7807 or email: info@icbi.co.uk or visit: www.icbi-ips.com18.30OR STREAM B: OPTIMISING FINANCIAL SUPPLYCHAIN MANAGEMENT AND SUPPLY CHAIN FINANCINGSponsored by The Bank of New York Mellon14.35 Opening Remarks from the ChairPlus interactive electronic polling with the audienceSarah Jones, Chief Executive Officer, SCF CAPITAL. SCF Capital provides advisoryservices and structuring of industry procurement and working capital financingprograms for corporates and their supply chain partners. Sarah was the formerDirector of European Treasury at HP where she was responsible for all aspects ofTreasury across the Europe, Middle East and Africa region. Sarah is well known for her thoughtleadership in the area of Financial Supply Chain management and secured the 2006 EurofinanceInternational Award for Treasury Excellence for her work in this arena. She has been Chairpersonof TWIST’s Corporate Reference Council and is a Fellow of the UK Association of CorporateTreasurers.14.45 Business Opportunities for Banks and Corporates in FinancialSupply Chain Management and Supply Chain FinancingSpeaker to be announced15.10 IPS Interview: Initiatives from the European Commission toOptimise Financial Supply Chain ManagementDavid Ellard, Official, EUROPEAN COMMISSION. David has worked in the fieldsof research & development, competition law, industrial property and now industrialpolicy relating to the information and communications technology (ICT) sector withinthe Enterprise Directorate General. His responsibilities currently include managing thework of the Commission’s Expert Group on Electronic Invoicing, defining policy in ICTstandardisation and following aspects of intellectual property, internal market and internationallaw in relation to the ICT sector.15.35 E-Invoicing: How The Landscape for Users, Service Providersand Banks Is Developing – Where Are The Bottlenecks?Charles Bryant, Senior Adviser, EURO BANKING ASSOCIATION. Charles iscurrently focusing on electronic invoicing. He was formerly Secretary General of theEuropean Payments Council and made a key contribution to the SEPA programme,coming to that role from the senior team at SWIFT. Prior to that he had a 25 yearcareer in international banking.16.00 Case Study: Can Companies Be Competitive At ProvidingFinance To Their Clients Compared To Banks?Rob Grimberg, Chief Executive, CAPITAL TOOL COMPANY. Rob is an expert inmarket, credit and operational risk management and in structured finance. In 2002 hefounded Capital Tool Company. The company is the first to provide valuation ofreceivables and an open platform optimising finance in the supply chain. These are thekey ingredients to make the provision of receivable financing efficient and ease sales.16.20 Afternoon teaThe International Payments Wine Casino Wine Tasting -Taste, smell, play and win! Combining the thrill of the roulette wheel withthe tasting of fine wines, the casino can test the knowledge and taste budsof even the most discerning wine connoisseur and challenges you to putyour money where your mouth is. See, swirl, sniff, sip, savour and place yourbets, but no need to be a wine professional to participate in this funevening16.50 One Step Forwards and Two Back? In An Environment MarkedBy Lack of Trust Are We Going To See A Resurgence of OldFashioned Trade Instruments?Dominic Broom, Head of Business Development, Treasury Services EMEA, THEBANK OF NEW YORK MELLON. Dominic has many years of experience in theTreasury Services field, including roles at Chase Manhattan Bank, Warburg Dillon Read,GE Capital and ABN AMRO. He is responsible for developing the Bank’s range ofPayment and Trade services (including Supply Chain solutions) and for growing BNY Mellon’sbusiness activities across the EMEA region.17.15 Strategy Roundtable: Re-Engineering the Financial SupplyChain and Supply Chain Management in the New GlobalFinancial LandscapeJohn Gleason, EMEA Regional Treasurer, DELL. Over the past nine years at Dell, John hasserved in a number of roles within several Treasury disciplines, including Cash, Investments,Securitization, and Working Capital Financing. Prior to Dell, John was a CPA audit associate atArthur Andersen in his native New Orleans.Roque Damacela, Head of Trade Finance, EMEA, CITI. Roque is responsible for thetraditional trade finance business as well as for product development and transactionstructuring of receivables and inventory based supply chain solutions across theregion. He has been involved in the oversight of commercial lending and trade/supplychain finance operations in EMEA, Asia and North and Latin America for approximately 20 years.

International Payments Summit 2009Main Conference: Tuesday 12th-Thursday 14th May 2009 • Pre Conference Summit: PSD Boot Camp Monday 11th May 2009 • Royal Lancaster Hotel, LondonAlan Verschoyle-King, Head of Treasury Services EMEA, THE BANK OF NEWYORK MELLON. Alan has extensive banking experience over more than twentyyears. He headed Citi’s FI Relationship Management group in New York andCorporate Sales for Transaction Banking EMEA for Citi Frankfurt. Other seniormanagement positions Alan has held include Global Head of Product Management, TransactionBanking for Barclays bank in London; Head of EMEA Sales for Working Capital Management,ABN AMRO and head of ABN AMRO’s AML Compliance remediation activities.Arthur Cousins, Director, Strategy and Product Development, STANDARD BANKOF SOUTH AFRICA. Arthur joined the bank in 1969 and worked in the branchnetwork until mid 1971. He transferred to Head Office In 1971 and held variouspositions In Treasury, International Banking and Custody. His current position entailsinvolvement in a number of domestic payments and securities market infrastructures andinitiatives as well as international initiatives and organisations including CLS, ISO, GlobalPayments Forum, Identrust and S.W.I.F.T. He is currently a Board Member of S.W.I.F.T. and CLS,previous Chairman of The South African Banks Treasury Operations Forum; member of The MoneyMarket Forum; Chairman of the South African Financial Industry Standards Association as well asbeing a member of The JSE Securities Exchange Advisory Committee for Clearing And Settlementand a member of the Global Payments Forum Steering Committee.Tom Buschman, CEO, EDGE INTERNATIONAL and Founder, Chairman & CEO,TWIST PROCESS INNOVATIONS LTD. TWIST is a corporate driven standardsorganization aimed at connecting the financial supply chain to the physical supplychain. In May 2006 Tom left Shell to dedicate his time to TWIST and the application ofits standards. Over a period of 15 years Tom has held various managerial finance positions for theShell Group. At the same time Tom was a fellow at the London School of Economics forinnovation in financial markets. Tom’s main focus is on EDGE International which offers a web2.0-based service that enables companies to invoice, collect funds and make payments in a multibankenvironment easily at low cost. In addition Tom continues to play an active role in the EU’sefforts to improve cross border automation in the EU.18.20 Closing Remarks from the ChairPlus interactive electronic polling with the audience18.3014.35 Opening Remarks from the ChairPlus interactive electronic polling with the audience14.45 Volume Changes and Corridor Trends For Workers’ RemittancesAs A Result of the Global Economic SlowdownLeon Isaacs, Chief Executive Officer, DEVELOPING MARKETS ASSOCIATES. DMAprovides a broad range of services that help to mobilise funds into developingmarkets. These include a consumer remittance comparison website, a remittancesdatabase, consultancy, organising inward investment conferences and developmentconferences. He has over 15 years hands-on experience in the remittance industry and has beeninvolved with two successful start-up money transfer businesses during that time - MoneyGramand Coinstar. He is a steering group member of the UK Government’s Remittances Task Force,sits on the World Bank sponsored Public Private Partnership on Remittances and is a boardmember of IAMTN.15.10 IPS Interview: Implementation of the World Bank/BIS GeneralPrinciples for International Remittance Services: What ResultsHave We Seen?Massimo Cirasino, Head of the Payment System Development GroupTHE WORLD BANK. Massimo supported payment system reforms in 50+ countries.He is also the Co-Chairman of the WB-CPSS Task Force which issued the GeneralPrinciples for International Remittance Services and is leading several internationalefforts to enhance the efficiency of the remittance market. Massimo also worked at Bancad’Italia, in the Payment System Department and in the Representative Office in New York.15.35 Strategy Roundtable: Innovations in Payment Channels forRemittances: From Mobile to Electronic to Pre-PaidJayant Prasad, Deputy General Manager & Head, Global Remittances, ICICI BANK.ICICI Bank is the largest private sector bank and second largest bank in India. Jayantis responsible for formulating and implementing the Bank’s strategy to service theremittance needs of the non-resident Indian (NRI) community. One of the key aspectsof the strategy is to offer low cost and convenient remittance services through technologyenabled channels and strategic partnerships with leading international banks. ICICI Bank has ashare of over a fifth of the Indian remittance market. He joined ICICI Bank in 1998 and workedin Corporate Banking and Technology Management before moving into the International BankingGroup. Jayant was closely involved with the successful roll out of Direct Banking products in UKand Germany before taking on his current role.Jayram D. Ketkar, Operations Director, WALL STREET EXCHANGE CENTRE LLC.Jayram has over 30 years of experience in Travel Related Foreign Exchange &Remittances Business. He has worked with Thomas Cook, Tata American Express, Cox& Kings, TCI in India with International exposure. He has recently accomplished theCertified Anti Money Laundering Specialists examination from ACAMS, USA.Marc Hollanders, Special Adviser on Financial Stability and Market Infrastructure,BANK FOR INTERNATIONAL SETTLEMENTS. Marc contributes to the coordinationof BIS-supported committee secretariats in the financial stability and markets areasand to payment and settlement issues as an adviser to Management and as acoordinator of research and policy work within the BIS. He also coordinates the outreachprogramme for the CPSS. Previously Marc was Head of the Secretariat of the Committee onPayment and Settlement Systems (CPSS) which is based at the BIS. He was co-chair of the TaskForce which prepared the report General Principles For International Remittance Services whichwas published in January 2007.Denis Mutsky, Program Manager, ASTELIT. Denis has been working in Astelit,Telecommunication Company in Ukraine, since August 2006 as part of NewInvestments Management Functional group dealing with strategic projects andbusiness development opportunities. Prior to that Denis was working in Western UnionFinancial Services in Ukraine as a Regional Operations Manager for Ukraine, Georgia andArmenia where he was responsible for business development, network rollout in the region andquality assurance programs. Previously he held various IT and operations positions in Citibank,Micros Fidelio International and other IT and financial services companies.16.20 Afternoon TeaThe International Payments Wine Casino Wine Tasting -Taste, smell, play and win! Combining the thrill of the roulette wheel withthe tasting of fine wines, the casino can test the knowledge and taste budsof even the most discerning wine connoisseur and challenges you to putyour money where your mouth is. See, swirl, sniff, sip, savour and place yourbets, but no need to be a wine professional to participate in this funeveningOR STREAM C: NEW REVENUE OPPORTUNITIES FOR BANKS:WORKERS’ REMITTANCES AND MONEY TRANSFERS16.50 Addressing the Regulation and Compliance ChallengesSurrounding Remittances. What Impact Will The PaymentServices Directive Have On The Industry?Paul Anning, Partner and Head of the Financial Institutions GroupOSBORNE CLARKE. Paul is a specialist financial services lawyer and has particularlystrong experience in the payments industry where he has been involved in a numberof transformational projects, such as BACS’ technology renewal programme, BACSTEL-IP, the separation of BACS from its scheme, the creation of the UK’s Payments Council, themerger of Voca and LINK to create VocaLink and VocaLink’s Euro Clearing and SettlementMechanism offering. Paul also has a deep knowledge of legal and regulatory developmentsaffecting the payments industry, including both SEPA and PSD (in relation to which he has beenadvising the UK’s Payments Council).17.10 Building A Successful Remittance Business: The Wells FargoExperienceDaniel Ayala, Senior Vice President, Global Remittance Services, WELLS FARGOBANK N.A. Danny manages product development, product management, operationsand customer service for Wells Fargo’s consumer remittance service activities. He andhis team manage the Wells Fargo ExpressSend service and other products focused onconsumer remittances to China, India, Vietnam, the Philippines, Mexico, Guatemala, and ElSalvador. Danny is a global payments systems expert with more than 16 years of relatedconsumer and wholesale banking experience. Previously, he has been responsible for corporateand financial institutions treasury management activities focused on product management,marketing and sales management for Citibank, JP Morgan Chase and Bank of America.17.30 Informal Value Transfer Systems – What Lesson Can FormalChannel Providers Learn From Them?Dr Roger Ballard, Expert on Hawala, MANCHESTER UNIVERSITY.Roger is an anthropologist with a long standing interest in patterns of migration fromSouth Asia to the UK, and in the of the operation of the transnational networks towhich settlers’ entrepreneurial initiatives have given rise. As a result he has taken aclose interest in the operation of IVTS/Hawala networks, which he analyzed in a lengthy article inVolume 6 of the Journal of Banking Regulation.17.50 IPS Debate: What Does It Take To Make Remittances Flow ToDeveloping Countries? How Can All the Stakeholders WorkTogether to Build the Remittance Market?Eva King, Director for Payment Services, WESTERN UNION INTERNATIONAL. Evais responsible for driving the business opportunities created by the Payment ServicesDirective (PSD) in the European market. She oversees the development andimplementation of Western Union’s strategy concerning PSD and deploys the potentialto expand the business in new areas within EMEASA. Most recently, Eva was responsible forPayment Services and SEPA policy at the EU Commission, and she was one of the keycontributors to the drafting of the PSD and central counterparty for EPC in the creation of SEPA.Before 2003 Ms King has worked in different roles in the banking sector, and was responsible forseveral projects in the area of cards and payments clearing infrastructure. She also held positionswith the World Bank and acted as a consultant to leading financial institutions.Daniel Ayala, Senior Vice President, Global Remittance Services, WELLS FARGOBANK N.A. Danny manages product development, product management, operationsand customer service for Wells Fargo’s consumer remittance service activities. He andhis team manage the Wells Fargo ExpressSend service and other products focused onconsumer remittances to China, India, Vietnam, the Philippines, Mexico, Guatemala, and ElSalvador. Danny is a global payments systems expert with more than 16 years of relatedconsumer and wholesale banking experience. Previously, he has been responsible for corporateand financial institutions treasury management activities focused on product management,marketing and sales management for Citibank, JP Morgan Chase and Bank of America.Michael Whyte, Senior Market Manager, Banks & Payments Market Infrastructures,SWIFT. Michael is responsible for strategy and service development for cross-border,person-to-person payments. He has led the SWIFT Workers’ Remittances initiative since2006. The first interbank service resulting from this initiative is in pilot and will moveto live production in early 2009. Michael joined SWIFT in 2001. As a member of the BankingIndustry Division, Michael worked on the evaluation of new market opportunities and coordinatedDivision input to overall corporate strategy. Prior to SWIFT, Michael worked with withErnst & Young, where he specialized in business development and marketing projects and led thesuccessful launch of European operations for a number of US based trade associations in thetextiles, telecommunications and micro-electronics sectors.Dirk H. Kranen, Co-Ordinator of the G8 Meeting on Remittances, MINISTRY OFFINANCE, GERMANY. Dirk started his professional career at the Federal Ministry ofFinance in 1991, worked at the International Monetary Fund and served in governingbodies of several UN organizations. Before he returned to the Finance Ministry in2007, he was in charge of economics affairs in the Office of the German Federal President inBerlin.18.25 Closing Remarks from the ChairPlus interactive electronic polling with the audience18.30The International Payments Wine Casino Wine Tasting -Taste, smell, play and win! Combining the thrill of the roulette wheel withthe tasting of fine wines, the casino can test the knowledge and taste budsof even the most discerning wine connoisseur and challenges you to putyour money where your mouth is. See, swirl, sniff, sip, savour and place yourbets, but no need to be a wine professional to participate in this funeveningMAIN CONFERENCE DAY THREE:Thursday 14th May 2009STRATEGIC POSITIONING OF YOUR BUSINESS IN THENEW PAYMENTS AND TRANSACTION BANKING WORLD09.00 Opening Remarks from the ChairPlus interactive electronic polling with the audienceSimon Bailey, Director of Payments, LOGICA. Simon has responsibility for paymentssystems business development and marketing in Logica’s UK financial servicesbusiness. He has most recently been involved in the issues facing the industry as aresult of changes in core payments infrastructure and the effect on banks’ businessmodels, operations and technology platforms. His current focus is on the changes in business andprocess models within banks’ payments operations including those driven by compliancedeadlines such as for PSD and SEPA. Simon is also working with banks to help them develop newservices to meet the evolving needs of corporate and other customers. Simon has 25 yearsexperience of retail and wholesale banking, payments and electronic delivery systemsinternationally.09.10 What Does It Take to Succeed in the Changing Payments andTransaction Banking Landscape? What Is The Outlook For Smalland Regional Banks?Rajesh Mehta, Treasury and Trade Solutions Head, Europe Middle East & Africa(EMEA), Global Transaction Services, CITI. Rajesh is responsible for the provision ofcash management, treasury and trade solutions to a broad range of customersincluding multinational corporations, top local companies, small and mediumenterprises and financial institutions. Rajesh has been with Citi for 24 years and has heldnumerous roles across the globe throughout his career. In January 2007, Rajesh moved toLondon to assume the role of Regional Payments Head for Cash Management EMEA and wasappointed to his current role in October 2007.09.30 IPS Interview: How Are The New Competitors Going To ChangeThe Direction of Payments?René Pelegero, Senior Director of Industry Relations, Strategy, and Compliance,Financial Services, PAYPAL INC. René is responsible for managing PayPal’s relationswith the financial services industry, and defining the strategies that will maximize thebenefits provided by these financial networks. Prior to joining PayPal, he was presidentand managing director at RPGC Group LLC, an e-commerce consultancy practice. In this role, heprovided advice to some of the largest and most recognized Internet merchants in the world inareas such as strategic planning, payment process optimization, and launching global paymentsacceptance. Previously René served as director of global payments at Amazon.com. He wasresponsible for all aspects of payments processing for more than 30 million customers andmanaged relationships with banks, processors, credit card companies and associations.09.50 Outsourcing/Insourcing: Deciding Who You Want To Be in ThePayments Space and How You Are Going To Get ThereMaurice Cleaves, Head of Regional Product Management – EMEA, CashManagement, DEUTSCHE BANK. Maurice joined Deutsche Bank in September 2006after 26 years with JP Morgan and legacy institutions where he has held positions inoperations, product and business management, sales, product development and riskmanagement within the cash management, securities clearance and corporate trust businesses.Prior to joining Deutsche Bank Maurice was Chairman of the IBOS Association. Maurice is aDirector of SWIFT UK, CHAPS and a Director of the Payments Council.10.10 How Banks Can Differentiate Their Payments OfferingMichel Stuijt, General Manager Marketing & Sales, EQUENS. Michel has more than20 years corporate banking and payment expertise. He started at NMB Bank (nowING) and specialized in structured finance. After that, he worked at Bank of Tokyo incorporate banking. Later, he worked at KBC bank, also in the corporate banking area.Thereafter, he joined CMG (now Logica) as senior banking business consultant. He worked atCMG for 12,5 years in different senior roles, heading the Banking Business Consulting unit, butalso in commercial roles representing Logica as Global Account Director in the Financial market.He joined Equens in March 2008 as region manager and heads the Marketing and Salesdepartment as of January 1st, 2009.10.30 Strategy Roundtable: What Next For Payments and TransactionBanking? Where Are The Collaborative Spaces To WorkTogether To Build Innovative, Profitable and Sustainable NewBusiness Models?Michael Cannon, Head of Payments & Cash Management, Europe, HSBC. Michaelhas been involved in the cash management business on an international scale fornearly three decades. He spent 12 years with JPMorgan Chase, where his lastassignment was looking after Sales & Service in EMEA. His most recent job was in arelated field, he was tasked with building the commercial card business for Visa International,based in Singapore, for the Asia-Pacific region. Michael’s present role at HSBC involves sales andproduct management of cash management for businesses, governments and financial institutions,ranging from large MNC’s to tiny SME’s.Fernando Lardiés, Global Head for Cash Management and Supply Chain Services,BANCO SANTANDER. Fernando joined Santander in 2004, after nearly 6 years withMcKinsey & Co. After 2 years as Project Office Manager in the IT Division, in 2006 hemoves to the Global Transaction Banking area.Jack Jared, Managing Director, Bank Services Group Head, EMEA, CITI. Jack isresponsible for all Trade and Treasury Services activities with banks in EMEA. He has,during his 26 years with the firm, worked in Relationship Management acting asSenior Banker and Senior Credit Officer within the Financial Institutions group;Technology where he implemented a global risk management system; Product Managementwhere he had responsibility for a number of global payment products and cash managementsales.11.10 Morning coffee11.35 Strategic Innovation in Payments Systems: What Are The NextBig Things?Renzo Vanetti, CEO, SIA-SSB and Chairman, RA COMPUTER. He is also a memberof the Supervisory Board of the subsidiary GBC, Chairman of the Steering Committeeof subsidiary Perago AG and Chairman of the associated company Glesia. Renzobegan his career at IBM in 1968, where he held various managerial positions for 15years. He first joined SIA in 1984, when he was assigned to the leadership of the project tocreate a national inter-bank network. In 1991 he was appointed Chief of the Inter-bankApplications Services Division and, following a spin-off, that division became SSB. In 1992, Renzowas nominated General Manager of SSB until 1998 when he was called back in SIA for mergingwith CED BORSA company. He has been CEO of SIA from 1998 to 2007 when the merge withSSB was completed.11.55 The IPS Technology Roundtable: Harnessing the LatestTechnological Innovations to Maximise Efficiencies andProfitability In PaymentsMarcus Treacher, Head of Electronic Banking and e-Commerce, Global TransactionBanking, HSBC. Marcus has worked in the corporate banking and IT industries forover 22 years, in a wide range of roles spanning strategic planning, productmanagement, divisional management and large-scale IT transformation programmes.Marcus is currently Chairman, SWIFT UK.Harry Leinonen, Adviser to the Board, BANK OF FINLAND. Harry is in charge ofpayment system policy issues in the central bank. He is the Finnish representative onthe payment and settlement system committee (PSSC) within the Eurosystem and aparticipant the Government Expert Group and Payment System Market Group of theEuropean Commission Internal Markets. He joined the Bank of Finland in 1996 as head of thepayment system division and was appointed adviser to the Board in 1999. Before that he workedin the banking industry for about 20 years, in managerial positions connected to payment systemactivities.Markus Straußfeld, Head of Cash Management and eBanking Sales, UNICREDITGROUP. Markus has more than 20 years of financial experience. He worked for anumber of international banks in product development of Cash Management, ForeignPayments and FX. Markus joined Hypovereinsbank in 2000. After the merger withUniCredit Markus enlarged his respsonsibility to becoming head of sales on Cash Managementfor UniCredit GroupRenzo Vanetti, CEO, SIA-SSB and Chairman, RA COMPUTER.See biography above12.40 Special Address: How New Technologies Will Transform OurWorld13.15 LunchJames Bellini. James describes himself as ‘an historian of the future’ and sees hisjob as that of introducing his audience to ideas about the next ten to twenty years.He has a career spanning the academic world, television broadcasting (as presenter ofThe Money Programme, Newsnight and Panorama), advertising, writing and analysingthe business scene from the viewpoint of how new technologies change the agenda formanagers.. He was the first British member of the renowned US-based futurology ‘think-tank’ theHudson Institute where he worked for a number of years with its director Herman Kahn on manymajor studies of our social and business future. He is currently working on a book with aprofessional psychologist about the ‘corporate psyche’ and its role in business success or failure.To register call: +44 (0) 20 7017 7200 or fax: +44 (0) 20 7017 7807 or email: info@icbi.co.uk or visit: www.icbi-ips.com 714.25PAYMENTS INNOVATIONS FROM AROUND THE WORLDThe International Payments 2009 Quiz: Your chance to winan iPhone!14.40 Innovations in the UK: Faster PaymentsPaul Smee, Chief Executive, APACS and Chief Executive, THE PAYMENTSCOUNCIL. Paul started his working life as a civil servant in the Department of Tradeand Industry where he worked from 1978 to 1988. In 1988 Paul moved on to theLondon Stock Exchange where he was Head of Government Relations andSpeechwriter to the Chairman and Chief Executive. In 1994 he went to the Association of BritishInsurers as Head of Life Insurance and then moved to the Independent Television Commissionwhere he was, for three years, Director of Regions and Public Affairs. He became the DirectorGeneral at the Association of Independent Financial Advisers in September 1999.15.00 Innovations in Africa: Mobile PaymentsSpeaker to be announced15.20 Innovations in Asia: Biometric Banking in JapanToshiya Cho, Business Consulting Department, Financial Information SystemsDivision, HITACHI. Toshiya is responsible for pre-sales activities and businessconsulting services for Japanese FSIs for CRM, channel strategies, branch design,XBRL, and various areas. He co-authored “E-Commerce Banking Strategies”.15.40 Innovations in Latin America: Smart CardsMarcelo Bellini Garcia, Sales and Marketing Director Banking, Telecommunications,Health & ID for LAC, SAGEM ORGA DO BRASIL S.A. With more than 10 years ofexperience in the Smart Card Market, Marcelo has been working in the Latin AmericanMarket in order to contribute with the implementation of Smart Cards for the GSMMarket (SIM Cards) and Banking (EMV Migration). Most recently has been working on theintroduction of security chip cards for the identification, e-passport and health markets. Since2007 he is Chairman of Smart Card Alliance Latin America with the target of promoting thetechnology in the region.16.00 Closing Remarks from the Chair16.10 The International Payments 2009 Quiz Winner is Announced!16.15 Close of IPS 2009

About your SponsorsLead Conference SponsorDeutsche Bank is afrontrunner in cashmanagement and hasestablished itself as aleading global provider of transaction services to financialinstitutions. Holding the unique position as the dominant Euro clearerand a top five clearer in US dollars, as well as providing clearingservices in over 50 countries, Deutsche Bank offers clients a distinctadvantage as a gateway to the world’s clearing systems.By combining strong operational efficiency with a recognized qualityin service delivery, Deutsche Bank is the bank of choice for financialinstitutions seeking to consolidate transaction volumes. Strategicinvestments into new global processing infrastructure afford clientsproduct parity and consistent service levels regardless of currency,clearing system or location as well as market-leading referencepattern matching, reporting, timed payments and informationdelivery. In addition, feature-rich web-based solutions offer real-timearound-the-clock access and inquiry services.Embedded into its global network of offices in all major andsecondary financial markets, and hubs in Frankfurt, London, NewYork and Singapore, Deutsche Bank supports domestic, regional andglobal cash management programs with a complete range ofinnovative and robust services for financial institutional clients acrossEurope, The Americas and Asia Pacific.Visit us at: www.db.comOr email: gtb.marketing@db.comFor information on SEPA: www.db.comPrincipal SponsorSIA-SSB, European leader in Information &Communication Technology, providesservices and solutions to the internationalfinancial community in the areas of creditand debit card processing, payment systems, capital markets andnetwork services for connectivity and messaging.Created from the merger between SIA (Società Interbancaria perl’Automazione) and SSB (Società per i Servizi Bancari), SIA-SSB Groupcurrently operates in 27 countries and has subsidiaries in Belgium,Hungary and South Africa.With 6.4 billion transactions annually – relating to cards, collections andpayments – over 60 million cards managed and 73 million dealsprocessed on financial markets, SIA-SSB carries more than 10thousand billion bytes of data on the network.SIA-SSB Group is made up of seven companies: the parent companySIA-SSB, the Italian subsidiaries Kedrios (back-office and reportingservices), RA Computer (solutions and applications for banks,businesses and P.A.) and TSP (systems and services for companiesand P.A.), SiNSYS (card processing) in Belgium, Perago (infrastructuresfor central banks) in Switzerland and South Africa and GBC (cardprocessing and ATM/POS terminal management) in Hungary.www.siassb.eu/enSponsorEquens SE is the first truly pan-Europeanfull-service payment processor. As one ofthe largest and most innovative paymentprocessors in Europe, we lead the marketfor future-proof payments and cardprocessing solutions. We offer a complete and highly competitiveportfolio, which we can align seamlessly with your requirements thanksto our flexible and client-oriented approach.At Equens, your payments are in good hands as we can build on over40 years of experience and the excellent track records of our founders:Interpay and Transaktionsinstitut. With 7.3 billion payments and 2.1billion POS and ATM transactions per year, our market share within theeurozone is well over 15%. Our current leading position makes us theobvious payment service provider within SEPA. Our integrated, highperformanceprocessing platform is SEPA-compliant. Obviously,together we will make the most of a challenging future.Breakfast Briefing SponsorLeveraging deep industry expertise with the powerof advanced Rightshore® global delivery,Capgemini regularly meets the increasinglysophisticated needs of the financial services sector.With a network of 15,000 professionals working for more than 900 clients worldwide,Capgemini’s Financial Services sector provides transformational solutions in Banking,Insurance and Capital Markets, and provides industry recognised thought leadership.Present in 36 countries, Capgemini reported 2007 global revenues of EUR 8.7 billion andemploys over 88,000 people worldwide.For more information: www.capgemini.com/financialservicesSEPA SponsorACI Worldwide’s software is used globally to manage over 75 trillionin wholesale payment transactions every day, delivering the scale andreliability that the market needs. At IPS 2009, ACI Worldwide'sdedicated experts in wholesale payments solutions are available todiscuss your requirements. As SEPA sponsor, we look forward to seeing you in London.Supply Chain Management Stream SponsorThe Bank of New York Mellon is a global leader inthe provision of services that enable banks, nonbankfinancials, corporations and public sectorinstitutions to move and manage their assets inmore than 100 countries worldwide. We have a long tradition of collaborating with clientsto deliver innovative solutions through our core competencies of transaction processing,and working capital management.Our solutions and approach to service delivery, are recognised as being market-leading.We are committed to working in partnership with our clients to understand their needs,apply our expertise, tailor our products, and deliver a cost-effective and flexible service.For more information, visit: www.bnymellon.com/products/treasuryservicesSponsorLogica at the heart of the Payments industryLogica has over 30 years’ experience in the payments industry -from retail payments to central market infrastructures, frompayments processing to mobile phone initiated payments. In thecurrent climate cash visibility, liquidity and operational efficiency are vital. Logica enablesclients to meet the challenge by implementing payments business change programmesand solutions.Logica is a leading IT and business services company, employing 39,000 people across36 countries. It provides business consulting, systems integration, and IT and businessprocess outsourcing services. Logica works closely with its customers to release theirpotential.www.logica.comNew Business OpportunitiesInternational Payment Summit has become the biggest European paymentsevent. IPS reliably attracts a large audience of senior attendees every year. In theseuncertain markets we understand the need for a real return on marketing investment.Whether your focus is maintaining your brand or winning new business IPS candeliver a cost effective way to achieve this.We can currently accommodate a small number of additional sponsors. Your packagecould include the following:• Places on our strategy roundtables• Access to our influential speaker faculty through Green Room Sponsorship• Space in our busy exhibition room• Extensive branding• Opportunity to host an attendee reception• Free and discounted delegate passesIf your company provides solutions and services for transaction banking you cannotafford to miss this opportunity.Please contact Helen Price for further details or to discuss your ideas for a bespokepackage. Helen.price@informa.com tel : +44 207 017 4041

P R I O R I T Y B O O K I N G F O R MTo: IPS 2009 Administrator Fax: +44 (0) 20 7017 7807Alternatively, please return this form to: IPS 2009, ICBI, 8 th Floor, 29 Bressenden Place, LondonSW1E 5DR, UK, Tel: 44 (0)20 7017 7200 Email: info@icbi.co.ukWeb: www.icbi-ips.comMain Conference: Tuesday 12 th - Thursday 14 th May 2009Pre-Conference Summit: The Payments Services Directive Boot Camp: Monday 11 th May 2009Venue: Royal Lancaster Hotel, London25% Discount- VIP CODE: KN2202SIAEMDELEGATE 2 NAME.............................................................………………………………… ……JOBTITLE....……...………………...................................…….DEPT……………………………….DIRECT PHONE..………………………………MOBILE NUMBER………………………………DIRECTFAX..………………………………………EMAIL………………………………………………By giving my email address I am giving IIR companies permission to contact me by email about future events and services.DELEGATE 1 NAME.............................................................………………………………… …JOBTITLE....……...………………...................................…….DEPT……………………………….DIRECT PHONE..………………………………MOBILE NUMBER………………………………DIRECTFAX..………………………………………EMAIL………………………………………………By giving my email address I am giving IIR companies permission to contact me by email about future events and services.I REPORT TO........................................................................…………………………………………HIS/HER JOB TITLE................................................................………………………………………BOOKING CONTACT…….……………………………HIS/HER JOB TITLE................................Please Select Your Package DATES Booking Fee Before30th Jan 2009 4 DAY PACKAGEConference + Payment Services Directive BootCamp Summit 3 DAY PACKAGEConference only 1 DAY PACKAGEPayment Services Directive Boot Camp Summit11-14 May2009DELEGATE 3 NAME.............................................................………………………………… ……JOBTITLE....……...………………...................................…….DEPT……………………………….DIRECT PHONE..………………………………MOBILE NUMBER………………………………DIRECTFAX..………………………………………EMAIL………………………………………………By giving my email address I am giving IIR companies permission to contact me by email about future events and services.COMPANY..…………………..................................................………………………………………ADDRESS......................................................................................................................................……COMPANY TEL…............................................…….FAX……………………………………………SAVE off thefinal price£2498 (+ 15 % VAT) =£2872.70 £40012-14 May2009£1799 (+ 15 % VAT)= £2068.85 £30011 May 2009 £799 (+ 15 % VAT) =£918.85Booking Fee Before13 th March 2009SAVE off thefinal price£2598(+ 15 % VAT)= £2987.70 £300£1899 (+ 15 % VAT) =£2183.85 £200£799 (+ 15 % VAT) =£918.85Booking Fee Before9 th April 2009SAVE off thefinal price£2698 (+ 15 % VAT)= £3102.70 £200£1999 (+ 15 % VAT)= £2298.85 £100£799 (+ 15 % VAT) =£918.853 MEANS OF PAYMENT Conference code: KN2202Please use this form as our request for payment. Your participation is guaranteed only when full payment has been received. Please tick one: Please debit my: VISA AMERICAN EXPRESS EUROCARD MASTERCARDCard number: CVV Number (3 digit security code on the reverse of card, 4 digits for AMEX )Exp Date_____________________ With the sum of £_________________________ Card holder’s name________________________ Signature_______________________________ Please send me an invoice or BY BANK TRANSFER- Bank Transfer: Full details of bank transfer options will be given with your invoice on registrationCancellations: Should you be unable to attend, a substitute is always welcome at no extra charge. A full refund, less a service charge of 10%, is given for cancellations received in writing (letter or fax) four weeks prior to the conference. A 50% refund will besent for cancellations received two weeks prior to the conference. Regrettably, no refunds can be made for cancellations received less than two weeks prior to the conference but a substitute delegate is always welcome.Data Protection - The personal information shown on this form, and/or provided by you, will be held on a database and may be shared with other companies in the Informa Group in the UK and internationally. If you do not wish your details to be available toother companies in the Informa Group please contact the Database Manager at the above address, Tel +44 (0)20 7017 7077, Fax +44 (0)20 7017 7828 or email: integrity@iirltd.co.uk.Occasionally your details may be obtained from, or made available to, external companies who wish to communicate with you offers related to your business activities. If you do not wish to receive these offers, please tick the box Incorrect Mailing - If you are receiving multiple mailings or you would like us to change any details or remove your name from our database, please contact the Database Manager at the above address, Tel +44 (0)20 7017 7077, Fax +44 (0)20 7017 7828 oremail: integrity@iirltd.co.uk - quoting the reference number printed on the mailing label.