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www.efma.com/payments

RETAIL PAYMENTS WEEK Investing in the payments world of the future: connecting innovation with cards, contactless and mobile payments 25–27 September 2013 Paris, Marriott Rive Gauche Hotel @Efma_news

Best practices in retail financial services, more information on www.efma.com

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RETAIL PAYMENTS WEEK Investing in the payments world of the future: connecting innovation with cards, contactless and mobile payments Are you ready to deliver faster, more secure and more profitable payment services?

Unprecedented changes are sweeping the global payments industry. There is growing competition from both traditional players and emerging ‘disrupters’, against a backdrop of growing pressure on margins on credit and debit transactions, increased regulation, an unstable macroeconomic outlook and changing customer demands. Only those banks that are adopting new approaches and taking steps to adapt and transform, will prosper in this emerging payments landscape.

But with so much still unclear – uncertainty on interchange rates, mobile partnerships to form, contactless cards systems and fraud – the playing field is still very uneven.

Efma is proud to continue its highly successful series of new concept summits, with the third in the series: Retail payments week. As part of a new format for 2013, each event has been developed in response to a need to connect different yet common interests via networking and benchmarking.

Building on previous conferences, including Efma ‘Cards & payments’ and ‘Mobile & advanced payments’ events, Retail payments week will develop new ideas and themes in one major conference experience, to offer delegates a time-effective, cost-efficient one-stop shop event.

60+ senior speakers, 20+ specialist sessions, 3 days of collective thinking A new global payments networking opportunity Choose your attendance across the ‘week concept’, 2 conferences in one, networking and cocktails ‘Pick and mix’ your own schedule from the best global practice presentations and interactive discussions Participate with over 60 speakers from leading banks, retailers and non-bank players to share ideas and select tactics

3 conference-days, 3 key reasons to attend Hear from international leaders in the financial sector globally facing similar challenges, from technology to cash Identify winning strategies to take back to the office and implement Pinpoint the best ways to remain competitive and thrive in the payments landscape during the next years

Answers to your key payments questions Interchange fees: How can banks and merchants keep ahead of the game and forge the right partnerships in a time of uncertainty?

NFC and contactless: How will smartcards and mobile wallets evolve into a strong, secure customer proposition and profitable future for banks?

SEPA: Who is leading the way in the migration challenges for direct debits and what other regulatory challenges are emerging in Europe?

Aggregators: Will banks become detached from customer accounts? Who will win the race between disruptors vs. incumbents to deliver a seamless, personalised experience across all channels and achieve competitive differentiation?

Mobile payments: From micropayments to value-added services

www.efma.com/payments

Hot topics across 3 value-packed days Here are just some of the key topics that will be explored and debated: Ready to invest? How do you decide to which new cards and payments technologies you should allocate resources?

Which card strategy will build most market share and ROI, from prepaid to incentive and retention tools?

Where to next for contactless and NFC systems, QR codes, mobile apps, digital wallets and biometrics ?

Finding the right balance between debit, credit, cheque and mobile: anticipating changing payment habits?

How do you harness m-commerce and e-commerce to create value for both the customer and the bank?

Look at better ways to tackle fraud and stop increasing loss through identity theft, cyber activities and organised crime

Mix and match your ideal learning experience throughout the 3 days. Just look for these symbols and colours: Cards

Debit, credit and prepaid: Discover new credit, debit and prepaid economics. Explore topics from merchant-funded rewards and co-branding loyalty programmes

Mobile

NFC, contactless, wallets: Find out how mobile payment is being adopted all over the world in different ways from NFC, QR codes to e-wallets

Regulation

SEPA, interchange, competition: From Basel III to SEPA, interchange rates to Dodd Frank, what regulation means for your business

Retailing

Partnerships, co-branding, loyalty: Hear how retailers are responding to the way consumers pay and are competing through new payment processes and partners

Security

ID, fraud, trust: Explore the latest developments in fraud detection, ID security, biometrics in cards, payments and mobile processing

Smart cards

Travel, eGov and education: Learn from developers of emerging smart payment vehicles, from travel cards, fleet cards, ghost cards to e-payables using smart technology

Big data

Analytics and big data: Understanding their impact for payments

Innovation

What’s next: The next generation and emerging payments ecosystem

Download the Efma Events App Organise your visit before, during and after the conference Access regular programme updates and alerts React in real-time with speakers and delegates during the event and take part in little polls Payments week App available at www.efma.com/app

25–27 September 2013 Paris

SCHEDULE WEDNESDAY 25 SEPT 2013 ROOM A

THURSDAY 26 SEPT 2013 ROOM B

ROOM A

8:15

Welcome coffee & registration

8:15

Welcome coffee & registration

9:00 1.AB

Steve Perry Visa Europe

9:00 5.A

Javier López Chicote BBVA

10:45

Steve Monaghan DBS Bank

Andres Wolberg-Stok Citibank

Diane Offereins Discover

Richard Johnson Monitise

Questions & answers

Questions & answers 10:45

Networking break & refreshments

Networking break & refreshments

11:15 Vincent Roland 6.A VeriFone Systems

11:15 Laurent Le Moal PayPal 2.AB

Milán Gauder MasterCard

Ludovic Francesconi Groupement des Cartes Bancaires “CB”

Panel discussion

Juha Risikko Nordea Bank

Questions & answers

Questions & answers

13:00 Lunch 14:15 Antonio Galiano 3.A Iccrea Banca

14:15 Robert Herzig 3.B Metro

13:00

Lunch

14:15 7.A

Davide Rigamonti Deutsche Bank

Jamie Martin NAB Group

Jeroen Bleijerveld ABN AMRO Bank

Morten Jorgensen RBR

Sameer Gulati McKinsey & Company

Dodd Roberts MCX & Mario de Armas Walmart

Roy Ramdarshan & Morgan Salmon Citigroup

Questions & answers

Questions & answers

Questions & answers 16:00

16:00 Networking break & refreshments 16:30 Ngoni Simelane 4.A Standard Bank

Thomas Capka Paybox Bank Claude Brun Crédit Mutuel

16:30 Philip Hellyer 4.B Carphone Warehouse Group

Networking break & refreshments

16:30 Cecilia Hoyt 8.A Wells Fargo

Alberto Pérez Lafuente Bankinter

Tony Sales

Max Geerling Currence

Indepth question and answer session

Questions & answers

Questions & answers 18:15 End of the conference day:

Feedback and key messages

Networking & cocktails

Wednesday and Thursday at the end of each conference day

18:15

End of the conference day:

Cards

Retailing

Big data/Analytics

Mobile

Security

Innovation

Regulation

Smart Cards

www.efma.com/payments

FRIDAY 27 SEPT 2013 ROOM B

9:00 5.B

Rita Lourenço Millennium bcp

ROOM A 8:15

Welcome coffee & registration

8:45 9.A

Niklas Arvidsson Royal Institute of Technology

ROOM B

8:45 9.B

Chris Hamilton Australian Payments Clearing Association

Jan-Olof Brunila Swedbank

Cenk Erdinc Temiz BKM

Onur Dogruer Garanti

Panel discussion

Jon Matonis Bitcoin Foundation

Matthieu Soulé L’Atelier BNP Paribas

Questions & answers

Questions & answers

Questions & answers

10:30

Networking break & refreshments

11:15 Hannes Pienaar 6.B Absa Bank

11:00 Sébastien Burlet 10.A Lemon Way

11:00 Felipe Penna Moreira 10.B Banco Original

Sammy Tuffaha Orange

Hannah Meiton iZettle

Pierre Lahbabi BNP Paribas

Stefania Gentile Intesa Sanpaolo

Allan Vadskjær Severinsen Danske Bank

Tuuli Perkio MasterCard

Questions & answers

Questions & answers

Questions & answers

12:45 Lunch 14:15 Anoosha Livani 7.B Citi

13:45 Patrice Dagenais 11.A Desjardins

13:45 Olle Durelius 11.B SEB

Josef Gilger HypoVereinsbank

Bülent Ersöz TEB

Stanley Jacobs Fortis

Darpan Shah IndusInd Bank

Thomas Egede Kragh Nykredit

Luis Flores SIBS

Questions & answers

Questions & answers

Questions & answers

15:30 Networking break & refreshments 16:30 Zilvinas Bareisis 8.B Celent

16:00 Olle Durelius 12.A SEB

16:00 Ramy Serageldin 12.B Moven

Victor Dostov Tavrichesky Bank

Jan-Willem de Waard Rabobank

Hussein Chahine Yazino

Sergio Cozzolino TIM

Interactive discussion

Interactive discussion

Questions & answers

Questions & answers

Questions & answers

Feedback and key messages

17:45 End of the conference:

Feedback and key messages

25–27 September 2013 Paris

WEDNESDAY 25 SEPTEMBER 2013 MORNING ROOM AB

Plenary session 1.AB - Making payments more profitable and sustainable in a converging market Steve Perry Executive VP, Relationship Management, Sales and Commercial Development Visa Europe United Kingdom

A new era of payments in the changing digital landscape

Steve Monaghan Managing Director, Group CIO DBS Bank Singapore

Life after interchange: the changing business model of payments

Diane Offereins Executive Vice President President Payments Services Discover USA

Evolving payments in a converging market

Plenary session 2.AB - Payments and true innovation: how can we progress?

Laurent Le Moal VP and General Manager CEMEA PayPal France

Going forward using innovation in payments

Milán Gauder Group Head Emerging Payments Europe

Mapping out the new payments ecosystem

MasterCard PANEL DISCUSSION with DBS Bank, MasterCard, PayPal and Visa Europe

Adapting to survive: what changes are we making now... and in 5 years time

AFTERNOON

ROOM A

3.A - Generating more growth and value in the payments sector Antonio Galiano Head of e-Bank Iccrea Banca Italy

Customer value creation: a virtuous circle issuing-acquiring within an information driven approach

Jamie Martin Head of Payments and Cash Services Clydesdale and Yorkshire Bank, NAB Group United Kingdom

Managing increasing regulatory requirements profitably: outsourcing vs. in-house solutions

Sameer Gulati Partner McKinsey & Company United Kingdom

Growth in a world of ‘uneven’ and ‘rear-view’ regulation

4.A - m-Commerce payments: what’s taking so long?

Ngoni Simelane Head of Technology and Innovation, Beyond Payments Standard Bank South Africa

Re-intermediating a stronger payments proposition within the disruptive value chain

Thomas Capka Chief Operating Officer Paybox Bank Austria

Where do banks fit into the m-commerce picture: friend or foe?

Claude Brun Managing Director, Payment Systems Crédit Mutuel, CIC Group France

Usability: which features are consumers demanding and using for mobile payment methods?

Cards

Retailing

Big data/Analytics

Mobile

Security

Innovation

Regulation

Smart Cards

www.efma.com/payments ROOM AB

Plenary session 1.AB - Making payments more profitable and sustainable in a converging market Steve Perry Executive VP, Relationship Management, Sales and Commercial Development Visa Europe United Kingdom

A new era of payments in the changing digital landscape

Steve Monaghan Managing Director, Group CIO DBS Bank Singapore

Life after interchange: the changing business model of payments

Diane Offereins Executive Vice President President Payments Services Discover USA

Growth, leadership and identifying new opportunities for cards in the future

Plenary session 2.AB - Payments and true innovation: how can we progress?

Laurent Le Moal VP and General Manager CEMEA PayPal France

Going forward using innovation in payments

Milán Gauder Group Head Emerging Payments Europe

Mapping out the new payments ecosystem

MasterCard PANEL DISCUSSION with DBS Bank, MasterCard, PayPal and Visa Europe

Adapting to survive: what changes are we making now... and in 5 years time

ROOM B

3.B - Interchange fees, transparency and forging closer retail payment partnerships Robert Herzig Head of Customer Payments and Finance Metro Germany

New and old players: opportunity or threat for merchants?

Jeroen Bleijerveld Product Manager Online and Mobile Payments ABN AMRO Bank Netherlands

From card issuing to mobile proximity payments: finding value in new markets in partnership with retailers

Dodd Roberts Executive Director Merchant Customer Exchange (MCX) USA & Mario de Armas Senior Director, International Payments Walmart USA (by live video link up)

Re-defining the payments business model: scale-generated cost savings

4.B - Fraud Philip Hellyer Enterprise Architecture Group Lead Carphone Warehouse Group United Kingdom

Fraud and the seamless customer experience

Tony Sales Britain’s Greatest Fraudster United Kingdom

Understanding how fraudsters operate: implications for the cards and payments world

INDEPTH QUESTION AND ANSWER SESSION Developing a better fraud risk culture and customer education programme

25–27 September 2013 Paris

THURSDAY 26 SEPTEMBER 2013 MORNING ROOM A

5.A - Mobile wallets: re-thinking the customer proposition Javier López Chicote Head of New Ways of Payments BBVA Spain

Creating a successful mobile payment ecosystem

Andres Wolberg-Stok Global Mobile and Tablet Banking Director Citibank USA

Get smart: how to be among the survivors in the battle for relevance

Richard Johnson Senior Vice President Strategy Monitise United Kingdom

mCommerce: the opportunity for banks

6.A - Payment acquisition strategies: why the customer is the king Vincent Roland General Manager VeriFone Systems France

Payment acquisition strategies: challenges in the omnichannel world

Ludovic Francesconi Head of Marketing Department Groupement des Cartes Bancaires “CB” France

Integrating innovation: how to promote the adoption of new payment solutions?

Juha Risikko Head of Mobile and Emerging Payments Nordea Bank Finland

How can major merchants enhance their mobile self-service capabilities?

AFTERNOON

7.A - Innovations in customer acquisition: from cards to payments Davide Rigamonti Head of Cards and Payments Deutsche Bank Italy

Business debit to support SME needs in a risk adverse environment

Morten Jorgensen Director RBR United Kingdom

New findings 2013: the emerging European payment card issuing and acquiring markets

Roy Ramdarshan Global Head of Commercial and Prepaid Card Marketing & Morgan Salmon Director, EMEA Prepaid Product Management Citigroup United Kingdom

The challenges in the design of a new payments product for government

8.A - Overcoming security issues for emerging payments Cecilia Hoyt VP, Risk Management Digital Channels Group, Online and Mobile Fraud Prevention and Authentication Wells Fargo USA

V – Perspectives on multichannel payment fraud risks and fraud prevention strategies

Alberto Pérez Lafuente Director of Innovation Strategy and Management Bankinter Spain

Developing an NFC-payments ecosystem 100% managed by the issuer financial institution

Max Geerling Director Card Products and iDEAL Currence Netherlands

Online banking e-payments: leveraging existing access to the bank account for secure and efficient internet payments

Cards

Retailing

Big data/Analytics

Mobile

Security

Innovation

Regulation

Smart Cards

www.efma.com/payments ROOM B

5.B - Harnessing agility to enable new card strategies Rita Lourenço General Manager, Head of Cards and Payments Millennium bcp Portugal

New card strategies: CRM, partnerships and profits

Jan-Olof Brunila Deputy Director Group Cards Swedbank Sweden

Cards as a business: from 90% cash to 90% card payments

PANEL DISCUSSION

6.B - Mobile money and peer-to-peer marketplaces Hannes Pienaar Mobile NFC Payments Project Manager Absa Bank South Africa

NFC-based mobile payments in South Africa: from pilots to rollouts

Sammy Tuffaha Head of Mobile Commerce and Payments Orange Jordan

International mobile money transfer: adding value to mobile-based payment solutions

Stefania Gentile Cards and Payments Head Intesa Sanpaolo Italy

Mobile proximity payments: from complexity to simplicity: Intesa Sanpaolo’s experience

7.B - SEPA migration: where to next?

Anoosha Livani EMEA Regulatory and Market Strategy Citi United Kingdom

Taking the next steps towards a new financial foundation: beyond SEPA

Josef Gilger Head of Competence Center Payments and SWIFT, Global Banking Services HypoVereinsbank Germany

SEPA migration: the HVB approach

Darpan Shah Deputy Vice President, Global Remittances IndusInd Bank India (by video link up)

Global remittances and cross border payment implications

8.B - NFC payment solutions: from cloud services and beyond Zilvinas Bareisis Senior Analyst, Banking Celent United Kingdom

Launching NFC payments: emerging lessons from recent implementations

Victor Dostov Director for the New Payment Technologies Tavrichesky Bank Russian Federation

Hybridization and cloudification as key trends of payment instruments development

Sergio Cozzolino Vice President, Consumer Marketing Mobile Solutions Telecom Italia Mobile Italy

The NFC revolution in the retail arena

25–27 September 2013 Paris

FRIDAY 27 SEPTEMBER 2013 MORNING ROOM A

9.A - Becoming a cashless society Niklas Arvidsson Associate Professor, Department of Industrial Economics and Management Royal Institute of Technology Sweden

Mobile payments as a catalyst for personalisation: beyond the ‘here and now’

Cenk Erdinc Temiz Director Strategy and Economic Analysis BKM Turkey

Building a cashless society in 10 years: a new vision for payments in Turkey

Jon Matonis Board Director Bitcoin Foundation USA

Bitcoin: the 800-lb gorilla in the payments space

10.A - Disruptive innovation and new entrants: do we still need banks?

Sébastien Burlet CEO Lemon Way France

Competing with new entrants in the payment industry: why do banks have difficulty innovating?

Hannah Meiton Vice President Sales iZettle Sweden

How can lean start-ups maintain the art of continuous innovation to keep a leading market position? From retail partnerships to personalisation

Allan Vadskjær Severinsen Development Manager, Head of eBanking Danske Bank Denmark

How can mobile payments evolve into a convenient customer proposition and profitable future for the banks?

AFTERNOON

11.A - Payments and partnerships: beyond co-branding to loyalty and CRM Patrice Dagenais Vice President, Payment Services and Business Partnerships Card Services Fédération des Caisses Desjardins du Québec Canada

Co-branding cards and emerging payments: balance and growth strategies

Bülent Ersöz Card Payment System Director TEB Turkey

Successful co-branded card programmes: TEB-Total credit card loyalty programme

Thomas Egede Kragh Senior Vice President, Head of Digital Medias Nykredit Denmark

Digital banking: dialogue with the customer

12.A - Building added value and premium payment services Olle Durelius Head of Business Area Payments, Retail

Payment-centric SME strategy

SEB Sweden

Jan-Willem de Waard Market Manager Financial Logistics Rabobank Netherlands

Rabobank’s efforts to make m-commerce possible for SMEs across the Netherlands

INTERACTIVE DISCUSSION How to build premium payment services into existing products

Cards

Retailing

Big data/Analytics

Mobile

Security

Innovation

Regulation

Smart Cards

www.efma.com/payments ROOM B

9.B - Building for the future of payments: connecting with lifestyles and communities Chris Hamilton CEO Australian Payments Clearing Association Australia

Anecdotes from the antipodes: a live experiment in accelerated payments evolution

Onur Dogruer Product and Brand Management Garanti Turkey

Becoming a cashless society: digital wallets, peer-to-peer marketplaces, etc

Matthieu Soulé Strategic Analyst L’Atelier BNP Paribas France

Connecting payments to the future world of wireless cities, cars and creativity

10.B - Creating value from ‘big data’ in payments Felipe Penna Moreira Head of Cards and Loyalty Banco Original Brazil

Effectively integrating big data analysis into the company’s strategy

Pierre Lahbabi Head of Strategy, Marketing and Innovation/Cards BNP Paribas France

How banks can create value with customer data

Tuuli Perkio Business Leader, Debit Product Development Europe MasterCard

Using big data to identify consumers’ payment journey from cash to cards

11.B - Building trust and growth through e-commerce Olle Durelius SEB United Kingdom

Mobile payment innovation: swish

Stanley Jacobs Group Head, e-Business Fortis Mobile Money Nigeria

Using e-business to gain real retail dominance in banking and financial services

Luis Flores Executive Director SIBS Portugal

The provision of e-commerce solutions and enablement of digital payments

12.B - Payments and customer insights: using gamification and social media tactics Ramy Serageldin Director of Operations and Banking Moven USA

How to drive behaviour change with mobile payment experiences

Hussein Chahine Founder and CEO Yazino United Kingdom

Gamification: next generation social games and the implications for the payments industry

INTERACTIVE DISCUSSION Where next in connecting social media to payments?

25–27 September 2013 Paris

REGISTRATION FORM

Scan me and register online now

RETAIL PAYMENTS WEEK 25–27 September 2013 Paris ATTENDEE’S INFORMATION Mrs.

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Mr. / First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Last name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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Institution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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Address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...............................................................................................................................................................

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Assistant’s information (or person in charge of the registration) First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Last name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . email . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PRACTICAL INFORMATION DATES The Efma Retail payments week will begin with a welcome coffee on Wednesday 25 September 2013 at 8:15 a.m. and will end on Friday 27 September 2013 around 6:00 p.m.

LOCATION Paris Marriott Rive Gauche Hotel 17, Boulevard Saint Jacques 75014 Paris, France Tel: +33 1 40 78 79 80 Fax: +33 1 45 88 43 93 www.parismarriottrivegauche.com LANGUAGE All sessions and debates will be held in English.

ACCOMMODATION Each participant must pay the cost of his or her accommodation directly to the hotel before departure. Rooms have been provisionally reserved for the nights of Tuesday 24, Wednesday 25 and Thursday 26 September 2013 at the Marriott Rive Gauche hotel. The cost of a single room per night is 259 euros, 269 euros for a double room (including breakfast and taxes). An automatic confirmation will be sent by email within 24 hours after your registration. In this email you will find a link to book your accommodation online. The hotel guarantees room availability and price until Friday 23 August 2013. The hotel will automatically bill unoccupied rooms or late cancellations.

If you look for more affordable accommodation, other 3 stars hotels are listed online.

REGISTRATION The registration fee covers participation in the conference, documents, lunches and coffee breaks. Registration fees must be paid in full prior to the event. Efma reserves the right to refuse entry to any delegate who has not paid his or her invoice prior to the event.

We welcome late-bookers, but credit card information must be provided.

CANCELLATION All cancellations must be received in writing.

A 20% cancellation fee will be charged for all cancellations received on or before Wednesday 11 September 2013. The full fee will be charged for cancellations made after that date, as well as to delegates who are unable to attend on the day, unless a substitute delegate is provided.

Substitutions are accepted at any time.

REGISTRATION FEE You can register for 1, 2 or 3 days Wednesday 25 September Thursday 26 September Friday 27 September

Registration fee Member fee: Non-member fee:

One day 800.00€ HT

Two days 1,600.00€ HT

Three days 2,400.00€ HT

(+VAT*: 956.80€)

(+VAT*: 1,913.60€)

(+VAT*: 2,870.40€)

1,200.00€ HT

2,400.00€ HT

3,600.00€ HT

(+VAT*: 1,435.20€)

(+VAT*: 2,870.40€)

(+VAT*: 4,305.60€)

*VAT 19.6%

If you are interested but you cannot attend the conference, ask for the available sessions’ summary at marketing@efma.com 400€ (+ VAT 19.6%) = 478.40€ for Efma Members 600€ (+ VAT 19.6%) = 717.60€ for non members PAYMENT Card n° Expiry date DATE

SIGNATURE

Efma l 8 rue Bayen l 75017 Paris l France l Tel: + 33 1 47 42 52 72 l Fax: + 33 1 47 42 56 76 l www.efma.com APE: 8230Z l VAT ID: FR 38 313 062 788 l Efma sarl company with registered capital of EUR 15,000 l RC Paris 313 062 788 In accordance with Article 27 of the law on the processing of personal data of 6.1.78, the information which you are requested to provide is necessary to enable us to process your registration and is intended for Efma’s services. You may access this information and request that it be rectified if necessary.

Illustrations: Bruno David

By bank transfer to Efma Sarl bank account IBAN: FR 76 3000 7999 9904 2252 7800 001 BIC: NATXFRPPXXX Natixis, FE3: Unité 3B/747 BP 4, F- 75060 Paris Cedex 2 By credit card: MasterCard Visa American Express