Asia Pacific Financial Institutions Research , Merrill Lynch Ivan Ong, Vice President , NETS Payment and Value Added Services Robert Buchan, CEO , Selektpoints Farhad Irani, Global Product Head Personal Loans & Consumer Banking , Standard Chartered Roopam Asthana, Chief Executive Officer , State Bank of India Cards & Payments Services Thomas Beck, Managing Director, Swiss Bankers Travelers Cheque Aneace Haddad, Chairman , Welcome Realtime Stephen Karpin, Head of Cards, Westpac Banking Corporation www.cpasiapacific.com 1 Major Sponsors Co-Sponsor Exhibitors www.cpasiapacific.com 2 www.cpasiapacific.com 3 C A R D S & P A Y M E N T S A S I A P A C I F I C 2 0 0 7 D AY O NE   I SLAND S HANGRI -L A , H ONG K ONG   20-21 M ARCH 2007 Growing Profitability in Cards & Payments 0830-0900 Welcome Coffee & Registration 0900-0910 Welcome Address and Opening Remarks 0910-0925 Global Overview Joanne Robinson Managing Director, Cards, Payments & Consumer Finance VRL KnowledgeBank Opening Plenary I Growing Profitability in Cards & Payments 0925-0945 Opening Address Esmond Lee Head Market Systems Development Division, Monetary Management and Infrastructure Department Hong Kong Monetary Authority Macro economic issues Central Bank's role in risk management Possible risks for credit card transactions Scope and overview of the bulk settlement Future developments 0945-1015 Growth in Asia Cards and Payments 3 An Analyst 9s Perspective Alistair Scarff Senior Director, Head of Asia Pacific Financial Institutions Research Merrill Lynch (Asia Pacific) 1015-1035 Trends in Asian Consumer Credit Markets 3 Brand Image and Customer Loyalty Gary Martin Executive Director ACNielsen 1035-1050 Q&A 1050- 1120 Tea and Coffee Break Opening Plenary II Strategies for Profitability in A Changing Environment 1120-1140 Growing Profitability in Cards & Payments - The Partnership Model Paul Skiadas Executive Vice President - Cards GE Money 1140-1200 Driving Profits in a Changing Environment 3 The Customer Still Holds All the Keys Farhad Irani Global Product Head, Personal Loans, Consumer Banking Standard Chartered 1200 - 1220 Innovation as a Driver of Profitability T S Anil Regional Head, Cards Product & Marketing Strategy Citibank 1220 - 1240 Card Marketing Enhancements Designed to Protect Interchange Aneace Haddad Chairman Welcome Real-time What bank doesn 9t offer card marketing enhancements? Is contactless the first of a new generation of marketing enhancements designed to also make cards more attractive to merchants? Card marketing enhancements that make cards more attractive and valuable to merchants www.cpasiapacific.com 4 1240-1255 Q & A 1255-1425 Lunch Strategies for Profit I: Leveraging your Existing Customer Base 1425 - 1445 Growing Credit Card Business in Emerging Markets through Partnerships Roopam Asthana Chief Executive Officer State Bank of India Cards & Payments Service Indian Credit Card Market Challanges faced in an emerging market like India How can partnerships help in building credit card business Pointers towards a successful partnership 1445 - 1505 Maximising Profits Through Strategic Cross- Selling Howard Davidson Managing Director Card Protection Plan Limited Consumers are now more sophisticated and demanding in their spending.<br><br> How do you engage them with your brand and product? Dealing with competition and changes in consumer demand Role of retail banks now 1505 - 1525 LandLord Bank TM - The Leaders in EMV Loyalty Robert Buchan Chief Executive Officer Selektpoints 1525 3 1540 Q&A 1540 - 1610 Tea and Coffee Break New Perspectives I: Is there a Future in Debit? 1610 - 1630 Challenges Facing Debit Card Economics Ken Howes Director Edgar, Dunn & Company Future commoditization Product profitability challenges Future viability of debit cards as a product 1630 - 1650 Debit in Asia - A New Momentum Ivan Ong Vice President, NETS Payment and Value Added Services NETS Overview of the Asia debt market Overview of the Singapore payment market How NETS are meeting the challenges in Singapore 1650 - 1705 Q&A 1705 End of Day One www.cpasiapacific.com 5 C A R D S & P A Y M E N T S A S I A P A C I F I C 2 0 0 7 I SLAND S HANGRI -L A , H ONG K ONG   20-21 M ARCH 2007 Growing Profitability in Cards & Payments 0830-0900 Welcome Tea and Coffee New Perspectives II: Building a Business Case for Prepaid 0900 3 0920 Customisation and Segmentation 3 the key to the bopo prepaid business case in Australia Julian Little Executive Director Strategic Development Bill Express Prepaid and electronic payments The bopo prepaid Visa card 3 Segmentation and Customisation in Australia Vertical market applications for KYC / AML, card load networks, SMS, loyalty, bill payment, campus and payroll expense management.<br><br> bopo: an outsourced solution for corporates / banks The Future powered by bopo 3 a vibrant, e-Commerce solution crossing all demographics 0920 3 0940 Successful Prepaid Applications - The tried and trusted Swiss Bankers Travelers Cheque Thomas Beck Managing Director Swiss Bankers Travelers Cheque The rationale behind the concept The concept of the product The benefits for the customers The distribution through financial institutions The results after three years in the Swiss market place 0940 3 1000 The Proposition for Prepaid Michael Flynn Managing Director EFD Prepaid Solutions, Asia Pacific 1000 3 1015 Q&A 1015 3 1045 Tea and Coffee Break New Perspectives III: Reinventing Commercial Cards 1045 3 1105 Grant Halverson Managing Director McLean Roche Consulting Group 1105 3 1125 Citibank Commercial Cards in Asia Pacific Philip Glickman Sales Director, Commercial Cards Citibank Citibank Commercial Card Solution Product Functionality Best Practices Management 1125 3 1145 Successful Commercial Card Programmes Geoff Begg VP Global Commercial Card, Australasia American Express Corporate Expense Management Programs - more than a card How the needs of small, medium and large organisations differ Trends across the region 1145 3 1200 Q & A 1200 3 1330 Lunch Strategies for Profit II: Building a Customer-centric Value Proposition 1330- 1350 Customer Centric Marketing Nick Reade General Manager, Consumer Cards ANZ The importance of being different What 9s really important for customers How to avoid competing only on price How to gain an emotional connection with customers Future trends to consider 1350 3 1410 Using data to manage multiple offers for multiple stakeholders Adrian Carr Head of New Product Development M&S Money Chip and pin re-issue strategy Balance transfer pricing and targeting strategy Spend campaigns with conflicting stakeholder objectives Multiple offers across inbound telephony Customer treatment strategies across conflicting www.cpasiapacific.com 6 stakeholder value models 1410 3 1430 Responsive, Technology-based Strategies to Drive Profitability Rajan Narayan Director, Asia Pacific Operations BPC Technology in the current scenario Available strategies and their relation to profitability Open Standards and its advantages Increasing market innovation and responsiveness How to increase profitability by deploying the correct technology 1430 3 1445 Q&A 1445 3 1515 Tea and Coffee Break Closing Plenary: Future Growth and Profits in Asia Pacific Cards & Payments 1515 - 1535 Creating an Agile Card Environment Robt Sadeckas Global Card Strategist EDS What is an Agile Card Environment Motivation for moving toward such an environment The transformation process Where we are today Benefits Lessons learned Where we are heading 3 the future 1535 3 1555 Lessons for Asian Card Issuers from The Australian Market Stephen Karpin Head of Cards Westpac Banking Corporation Key changes in the Australian cards market The effect of interchange regulation in Australia The emergence of the low rate and balance transfer propositions within Australia Reward programs before and after the changes 1555 3 1615 Learning to be Successful in the Credit Card Industry Ridha Wirakusumah Regional Business Head for Consumer Finance Group for Asia Pacific AIG Credit card industry landscape in some Asian markets Using value proposition to win customers Partnering in distribution Operational and credit factor Tapping into your own database using MIS/CRM 1615 3 1635 Roadmap to Success in Cards Portfolio Trevor Laight Senior Vice President, Consumer Credit Risk, Asia Pacific HSBC Risk management in emerging markets Reviving the cards business Future growth and opportunities 1635 3 1650 Q&A 1650 3 1700 Closing Remarks & Close of Conference

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