www.terrapinn.com/fbme

12-13 MAY 2015 Dubai International Convention and Exhibition Centre, Dubai UAE RE-IMAGINE RETAIL BANKING

OVER 10,000 ATTENDEES > INCREDIBLE KEYNOTES > 300+ EXHIBITORS

Official Co-located with Government Partner Created by

Register now terrapinn.com/fbme RESHAPING THE FUTURE KEY REASONS OF RETAIL BANKING TO ATTEND OPERATIONS

Join the traditional players, the emerging disruptors, and the risk-taking visionaries of Innovate bank operations to design and deliver fantastic customer retail banking as they revolutionise the future of money and the business of banking. 1 experiences

Satisfy customer mobile banking demands to bank anytime anywhere 2

Big data Mobile banking Contextual technology Data as the driving force to Mobile as the anchor to global The unimagined new opportunity of enhance engagement and 3 Conquer big data to generate new revenue streams and cut costs frictionless digital banking technology in banking intelligence

Understand how contextual technology is transforming banking 4

Authentication Crowd-funding Omnichannel Learn how to build consumer trust and reduce fraud with biometric Delve into the epic future of P2P lending will become 5 Enabling banking anytime, technologies biometric authentication and widespread and universally anywhere and on any device identity management accepted Uncover the secrets to building customer engagement with social media 6

Discover how disruptive technology will transform the in-branch customer Digital disruption 7 Branch opportunity Social Media experience Rethinking the way we bank Branch-less v less-branch strategy High-level interaction and enhanced aligned with a new generation of in the Middle East consumer engagement consumers Redefine the role of the bank to enable the use of new and complex 8 services

Book online now or contact Prima Castelino on +971 4 440 2535 Book online now or contact Prima Castelino on +971 4 440 2535 www.terrapinn.com/fbme www.terrapinn.com/fbme or email [email protected] or email [email protected] For 2015 we are creating an entirely new standard and scale of event. We are bringing together the biggest global innovators and trailblazers that have exploded into the retail WHERE THE BANKING banking landscape in recent years to join us in the incredible keynote arena.

Banks from each of the 22 Arab states, , India and Turkey will crowd into the WORLD MEETS keynote theatre, to discover the innovations and technologies that are transforming the retail banking industry across the globe.

It was really an excellent event that reflected the power of new technologies Great event, well organised and market trends, which had great and very good for networking. effects and benefits on my experience. Standard Bank Rami Kilani, Head of IT, Dubai Islamic Bank

A wonderful opportunity to connect with several global players in one platform. Mashreq Bank

INCREDIBLE SPEAKERS • Robert Scoble, Technical Evangelist and Author, Age of Context • Prof. Viktor Mayer-Schönberger, author, Big Data: A Revolution That Will Transform How We Live, Work, and Think • Mung Ki Woo, Executive Vice President, Digital Platforms Global Products and Solutions, MasterCard • Prof. James Wayman, Director Biometric Identification Research Program, San Jose State University • Anthony Thomson, Founder and Chairman, Atom Bank, Founder and Former Chairman, Metro Bank • Osama Bedier, Former VP Payments and Wallet Google, Founder and CEO Poynt ABOUT ROBERT

Robert is one of the world’s best TECHNOLOGY THAT known and most respected reporters on technological innovation. He has an enormous following on social media, to ANTICIPATES YOUR the extent that he has been dubbed the ‘King of all Social Media’ and the world’s most famous geek. CUSTOMER’S NEEDS Scoble’s blog became one of the most The world’s most famous geek well-read amongst the tech circles in the early 2000’s and in 2007 he was offered a position at Microsoft, where he is considered to be the man who made 5 forces of contextual technology Microsoft cool. He has since worked for PodTech, FastCompany and Rackspace. Mobile - the next stage of mobile is wearable devices, 1 Scoble was one of the first people to and they are vital to the age of context receive a Google Glass prototype, and swiftly declared “I’m never going to live Social media - when utilised serves as a fount of another day without a wearable computer 2 on my face.” He has become one of highly personalised content the world’s leading experts on wearable technology. Data - harness a vast quantity of information and 3 create an intelligent customer experience Scoble’s book, Age of Context, discusses the concept that devices can “understand” Sensors - can talk to us and to each other to make things about you and your environment. 4 Scoble describes that contextual sure devices are one step ahead technology will influence the way your customers will live and make purchases in Location-based services - without location there is 5 the future. no context!

The future of technology is contextual ROBERT WILL BE SPEAKING ON… The future is here, the future is contextual! Robert is the brain that will help you examine the term that is transforming the world: contextual technology. The world’s favourite tech evangelist will examine the five technological forces (mobile devices, social media, big data, sensors and location-based 12th May @ 09.10am in Discovery Bay services) that are transforming the way we live, Keynote Theatre work and play. The future of technology is contextual Forward-thinking companies are already using — the five forces to prosper and this is precisely what Robert will discuss. With fridge magnets that can order your 12 May @ 11.30am favourite take-away, coffee stores that know your order before you arrive and Up close and personal with Robert calendars that act as your PA, the world as we know it is already changing. Robert Scoble “Change is inevitable, and the Scoble Technical Evangelist disruption it causes often brings both Attend Robert’s opening keynote presentation to discover how you can add and Author context to your business to create an easier, more efficient, more productive Age of Context inconvenience and opportunity.” customer experience. Book online now or contact Prima Castelino on +971 4 440 2535 www.terrapinn.com/fbme or email [email protected] ABOUT SPEND A DAY WITH OUR GURU

VIKTOR Get serious about big data and book now to attend Viktor’s workshop BIG DATA:

Viktor Mayer-Schönberger is the A REVOLUTION undisputed global expert in big data. He wrote the book on big data, literally! Viktor is Professor of Governance and Regulation at Oxford University. He is also a faculty affiliate of the Belfer Center 6 ways to take control of your data of Science and International Affairs at Harvard University. Viktor also co-wrote the Amazon best seller, Big Data: A Revolution That Will Transform How We 1 Selecting only the data we want in our lives Live, Work, and Think.

The Wall Street Journal described, “No 2 Using predictive analysis other book offers such an accessible and balanced tour of the many benefits and downsides of our continuing infatuation with data.” 3 Creating data-centric partnerships

Viktor has published eight books including the awards-winning “Delete: The Virtue of 4 Providing intelligent recommendations Forgetting in the Digital Age” and is the author of over a hundred articles and book chapters on the information economy. 5 Securing and storing data

6 Discover the uses of social generated data

Using big data to generate big spenders! VIKTOR WILL BE SPEAKING ON… We all know that big data is the buzz word of the moment and it is here to stay. But are you truly utilising big data to its full potential?

Every device generates data and for decades, we have only gathered a sliver of this information. Fast forward to 2015 and we live in a world that has woken up to the power of big data. We can finally harness a vast 11th May @ 10am-4pm quantity of information and this provides a huge Pre-event big data workshop opportunity for the banking industry to create a personalised and intelligent customer offerings.

12th May @ 16:30pm in the Attend Viktor’s keynote and learn how predictive analytics can Professor Viktor Discovery Bay Keynote Theatre help you better understand and serve your customers. “We have always used information to Data as the driving force Mayer-Schönberger make decisions, but there is a radical Author, Big Data: A change taking place. Society is going from Revolution That Will a constant shortage of data to a surfeit of Transform How We Live, information – and this upends everything.” Book online now or contact Prima Castelino on +971 4 440 2535 Work, and Think www.terrapinn.com/fbme or email [email protected] ABOUT SPEND A DAY WITH OUR GURU

JAMES Get serious about biometrics and book now to attend James’s workshop BANKING, ACCESS AND IDENTIFICATION

Dr. James Wayman is a distinguished The global authority on biometrics lecturer in the area of automated human recognition and works as a research administrator at San Jose State University, 6 ways biometrics will transform the banking experience the home of the National Biometric Test Center. Authentication technology as the solution to the identity James has served as an advisor on 1 biometrics to 11 national governments. crisis

For 30 years James has worked 2 Removing the risk elements of transactions continuously in the field of biometrics and is a globally recognised expert on biometric technologies. 3 Increasing the performance of biometric systems James is described as an “incredibly knowledgeable speaker, teacher and Implementing the most innovative technologies in 4 researcher of biometrics.” biometrics

Discover how we can really make mobile biometrics 5 work

6 Decreasing the costs of biometrics in banking

The future of biometrics starts here JAMES WILL BE SPEAKING ON… Security continues to be a pressing concern for the retail banking industry, especially as technology continues to transform the way we bank.

How can this technology be used to solve the identity crisis we face? Utilising biometrics, sensors, behavioural monitoring and location-based technology can provide the solutions we require to assert our identity and remove the risk elements of transactions.

11th May @ 10am-4pm As one of the world’s leading authorities on biometric technologies, Jim will be Pre-event biometrics workshop looking at the future innovations in biometrics we can expect to see hitting the market in the coming years. Discover how banks, government and retailers can actually make the technologies work for them in a cost effective way. 12th May @ 17:00pm in the Discovery Bay Keynote Theatre Professor Halt- who goes there? James Wayman “The ideal biometric characteristic has Director five qualities: robustness, instinctiveness, Biometric Identification availability, accessibility and acceptability.” Research Program San Jose State University Book online now or contact Prima Castelino on +971 4 440 2535 www.terrapinn.com/fbme or email [email protected] ABOUT MUNG KI THE PAYMENT WORLD’S TRAILBLAZER The man behind MasterCard’s most innovative Mung Ki Woo is Executive Vice digital platforms President, Digital Platforms. In this role, he is responsible for leading the definition, development and operations of The 6 ways to make a world beyond cash MasterCard’s digital platforms around the globe.

In a world where every single device has 1 Utilise any device, anytime, anywhere the potential to be a connected commerce device that can facilitate transactions, this is a huge responsibility. 2 Learn from your failures when it comes to innovation Dive into the future of payments with MasterCard and discover how they are Embed payments into the broader customer facing 3 reinventing the way customers make experience purchases, featuring mobile, wearable devices and tablets in the pursuit to create a ‘world beyond cash.’ 4 Tokenization to make payments smarter

5 Enable omnichannel shopping experiences

6 Mobile payments are here to stay

A world beyond plastic… MUNG KI WILL BE SPEAKING ON… Technology is becoming intuitive. Your devices know where you are and where you are going. Connected devices make your customers happier and accordingly, your revenues bigger.

So what does this mean to the world of payments? And what’s so wrong with the traditional plastic methods of payment that have been around for decades and still work very well? Where do cards live in the digital age? Discover the answers to all of these questions with Mung Ki’s keynote presentation.

12th May @ 09:45am in the Discovery MasterCard is investing significant time, money and efforts into their digital Bay Keynote Theatre services making sure that they continue their role as innovators and trailblazers in the payments industry. Trailblazer: Payments innovation and disruption The future is already here, we have the ability to create a connected contextual consumer experience with mobile devices. In doing so customers worry more Mung Ki Woo and more about their privacy. “Mobile payments is not a theoretical Executive Vice President, Join MasterCard as they discuss the safety and soundness of our payments Digital Platforms, exercise; it’s really happening.” ecosystem together with the role of innovation in their attempt to rid the world of MasterCard cash. Book online now or contact Prima Castelino on +971 4 440 2535 www.terrapinn.com/fbme or email [email protected] ABOUT OSAMA THE KING OF COMMERCE AND PAYMENTS They payments veteran who gave us Google Wallet Anyone who is anyone in the payments industry knows who Osama Bedier is. 6 elements of the ultimate mobile wallet He began his career with two of the industry’s best; first heading up product A complete door to store and back commerce development at PayPal before taking 1 over the helm of the payments division experience at Google. It was at Google that Osama pioneered Google Wallet, which was Continuous innovation launched in 2011. 2

Osama’s experience makes him a much wanted investor and mentor for new 3 Heightened user experience payment start-ups. Osama now sits on the board of Silicon Valley start-ups Qiwi, Coin, PayRange, WePay and his own 4 Integrating loyalty programmes company, Poynt.

Osama is a superstar of the industry and 5 Secure and safe services one of the most influential personalities in the payments sphere. Join him to make sure you don’t miss out on the payments 6 Looking beyond NFC and commerce revolution.

Revolutionising the way we make payments

We often ask ‘who will win the mobile wallet war?’ The answer is the wallet that is able to integrate commerce into the wider payment experience. It will be the wallet that allows you to browse, purchase and enjoy the product, all from your OSAMA WILL BE mobile phone. SPEAKING ON… If you ask Osama Bedier, he will tell you that commerce is broken. The industry was built in an age of cash registers and while the retail industry has advanced, payments have lagged behind.

Why is this? When we all carry around a supercomputer in our pocket?

There are number of obstacles that stand in the way of allowing mobile wallets to enter the mainstream payment industry. One of these obstacles is choice; how are consumers able to choose a mobile wallet when there are so many options 13th May @ 09.00am in the available in the market? Discovery Bay Keynote Theatre Here is where Osama comes in. With experience at the world’s leading payment Taming the new age customer organisations, Osama will talk us through the changes that need to be made to Osama Bedier “There’s more change coming in fix the commerce industry. Former Vice President Consumers need to change their habits for widespread mobile wallet usage and payment technology in the next five this can take time. This is something that Osama has first-hand experience with, of Payments and Wallet, years then there’s been since the as witnessed at Google Wallet. Don’t miss out on the opportunity to catch a true Google, Founder and payments guru as he takes the stage on the 13th May. CEO, Poynt credit card itself was invented.” Book online now or contact Prima Castelino on +971 4 440 2535 www.terrapinn.com/fbme or email [email protected] ABOUT ANTHONY NEXT GENERATION Anthony Thomson is the founder of Metro Bank, Chairman of the Financial Services BANKING Forum and the chairman of Atom Bank, which will be the UK’s first real alternative to the High Street banks. The man pioneering the age of digital banking

Metro Bank is the first new ‘High Street bank’ in the UK for over 150 years. It offers unparalleled levels of customer 6 aspects of digital banking service and convenience, open seven days a week, 361 days a year.

In 2015, Anthony will launch Atom Bank, 1 Automating manual controls and processes which will go one step further than ‘traditional’ banks. It will open its doors Developing targeted products based on rich customer 2 to customers, but not physical branch insight ones. Instead, its banking range will only be available and operated online. The Simplifying the business by moving away from intention is to create a bank that will be 3 the 21st century choice for customers. non-core products

Anthony has been included in Marketing 4 Enriching customer data while protecting privacy Magazine’s ‘Power and influence top 100’ and named by the Evening Standard as ‘one of the 1000 most influential Reducing cost of service without reducing quality of 5 Londoners’ and one of the 60 most service influential in the city. Assessing what the customer wants from the bank of 6 the future

Challenging the traditional high street bank ANTHONY WILL BE SPEAKING ON… In a climate where high-street banking numbers are falling, how can you make sure you engage with your customers and create a compelling reason for them to stay?

Anthony started bucking trends in 2010 when he co-founded Metro Bank, the first new UK high-street bank in over 150 years. In 2012, he left Metro Bank to create Atom Bank, a new online-only bank, launching in 2015. Atom Bank will be the world’s first genuine, wholly online bank with no established bank legacy issues. 12th May @ 11.10am in Future Bank Keynote Theatre A staunch believer in ‘customer-first’ banking, Anthony’s work is changing the banking landscape.

Disruption – how digital is Join us for his keynote and take away ideas for how you can revamp your digital Anthony Thomson reinventing retail banking strategy to engage with a new generation of customers. Founder and Chairman, “The pace of growth of mobile banking Atom Bank, Founder and is extraordinary.” Former Chairman, Metro Bank Book online now or contact Prima Castelino on +971 4 440 2535 www.terrapinn.com/fbme or email [email protected] DAY 1 TUESDAY 12 MAY 2015 1 2 3 DAY 1 TUESDAY 12 MAY 2015 1 2 3

RIDING THE WAVE OF INNOVATION Future Bank Cards & Payments Masterclass

Mobile and digital commerce Capitalising on the growth Host: Richard Dean, Presenter Business Breakfast, Dubai Eye (UAE) Customers in the world of payments of prepaid

09:00 Official welcome address Customer experience and 13:20 Developing mobile payment and Attend our one hour comprehensive engagement commerce with BLE • Digital retailers and social masterclass run by the experts and The future of technology is contextual • Contextual awareness of the 09:10 KEYNOTE marketing as reference points take a deep dive into the world of consumer begins with location • Experience fundamentals and prepaid cards. • Cloud based B.L.E to enable low consistency in an omnichannel • Essential elements: sensors, mobiles, social, data, location based services cost mobile payments world • Where we are, where we are going and how we will get there • Integrating mobile payment with Discover how to drive product • Digital advisors and video-based POS to leverage the power of adoption and cater to the mainstream • Getting more personal, less personal services BLE market, ensuring your business does • The unimagined new opportunity • Mutually beneficial simplification • How will contextual technology change our lives? not miss out on the potential revenue Phillip Bückendorf, Co-Founder & prepaid cards can provide. Fraz Chishti, Chief Innovation Robert Scoble, Technical Evangelist and Author, Age of Context (USA) CEO, Downtown (USA) Officer, Noor Bank (UAE) What you will learn: 1. How to effectively launch a 09:40 KEYNOTE Trailblazer: payments innovation and disruption 13:40 Future Bank brand Managing and monetising digital prepaid product • Social marketing and the twenty disruption in payments first century brand • Approach industry disruption by 2. Taking the product online: virtual • Redefining secure, ubiquitous commerce • Brand as the key weapon becoming a disruptor and online cards • What the future could bring and what it means for your business against disintermediation and • Innovate beyond the value 3. Are one-time-use cards the way • Satisfying unmet customer needs, making profits and delivering innovation commoditisation exchange forward for introducing customer Mung Ki Woo, Executive Vice President, Digital Platforms Global Products and Solutions, MasterCard (USA) • Telling good stories • Rethinking customer behaviour in confidence? • Building loyalty through digital payments innovation Neal Cross, Chief Innovation Officer, Enquire now to present this session 10:10 Morning refreshments and speed networking Enquire now to present this session DBS (Singapore)

Future Bank Cards & Payments Masterclass 14:00 Creating trust in mobile commerce and payments Strategy Payment disruption Guru focus session • Frictionless and trusted payment Social opportunity experience 11:10 Digital disruption and what it will • High-level interaction without the • Security options for managing do to banking cost of the branch credentials and tokenization Panel Payments: cloud v local • Deep insights and the ability to • Simplifying service deployment • Technology is changing the Up close and personal with Robert • Should payments be on the cloud predict through a comprehensive trusted engagement paradigm Scoble or local and why? • Social as the key to loyalty service hub • Disintermediation and the • Security and cloud Join this hour long Q&A session with • Bridging the gap to achieve customer • Cloud technology and mobile our keynote tech guru. Enquire now to present this session financial inclusion • Stepping away from the wallets ‘traditional bank’ • Is it cost effective? Eric Claudel, President Middle East & • Losing the branch; going online Ask the pressing questions you • Role of the central bank in Africa, Gemalto (France) and mobile have about contextual technology. regulating cloud payments Discover how connected and Anthony Thomson, Founder and intelligent devices will transform the Surprise panelists to be announced Chairman, Atom Bank, Founder and way your customers make payments. 14:00 Roundtables Former Chairman, Metro Bank (UK) What you will learn: • Cards & Payments Is the smart wallet your next step 11:40 Payments and the customer 1. Install the five forces of contextual • Cards & Payments What’s the ‘point’ of loyalty? in creating a connected payment experience? Omnichannel banking in the Middle experience technology into your business Paul Aranjo, Chief Commercial Officer, Infinia Services East • What the convergent contextual 2. If computers can understand you, Aaron Oliver, Emerging Payments Lead, and Solutions (UAE) • Creating a seamless, engaging world demands from payments how can you better understand MasterCard (UAE) experience • How and why payments must be your customer? • Right-channelling customers different 3. Tackle the issue of privacy • Strategic and competitive • Speed and responsiveness • Cards & Payments Overcoming the security and imperative • Challenges and obstacles: privacy • Cards & Payments Gamification as a tool to revitalise Robert Scoble, Technical Evangelist tokenisation challenges of host card emulation and security payment platforms Enquire now to present this and Author, Age of Context (USA) Nicolas Raffin, Marketing Director Payment, Retail & session David Horton, Chief Transformation Enquire now to host this session Transport, Oberthur Technologies (France) Officer, Mashreq (UAE)

• Cards & Payments Omnichannel payments: allowing 12:00 Networking lunch your customers to pay on any device, across any • Future bank Best practices in securing digital banking channel, anywhere Christy Serrato, Solutions Marketing Manager- Financial Nigel Dean, Director, Technical Communications, Spire Services, HID (USA) Payments (UK)

15:20 Afternoon refreshments and networking DAY 1 TUESDAY 12 MAY 2015 1 2 3

“This event is the essence of future DATA AND SECURITY banking”

16:20 KEYNOTE Data as the driving force Brett King

• Only the data and information we want in our lives • Big data and high speed, scaled databases • Predictive analysis and how we use it • Data-centric business partnerships Viktor Mayer-Schönberger, Author, Big Data: A Revolution That Will Transform How We Live, Work, and Think (Austria)

16:50 KEYNOTE Halt- who goes there?

• Authentication technology as a solution to the identity crisis • Biometrics, sensors, behavioural monitoring and location-based technology • Remove the risk elements of transactions • Accommodating anonymity vs the consumer experience of the future Prof. James Wayman, Director Biometric Identification Research Program, San Jose State University (USA)

17:20 Close of day one

19:00 Smart Card and Payments Awards DAY 2 WEDNESDAY 13 MAY 2015 1 2 3 DAY 2 WEDNESDAY 13 MAY 2015 1 2 3

ENABLING AND ENCOURAGING DISRUPTIVE INNOVATION Future Bank Cards & Payments

09:00 KEYNOTE Taming the new age consumer Opportunities Security and privacy • Door to store and back: focus on the complete purchasing experience of mobile wallets • Which technology will conquer the wallet world? 13:20 • Influencing shopping behaviour Crowd-funding in the Middle East Protect and secure multichannel commerce • Global growth and success • What new technologies have the greatest potential? • Opportunities for banks and retailers in the mobile money ecosystem • P2P lending will become widespread and universally • Card Not Present Fraud prevention with DCVV Osama Bedier, former VP Payments and Wallet, Google, Founder and CEO, Poynt (USA) accepted • Securing Card Present Transactions with Zwipe • Key sectors and verticals • Balancing security and customer experience 09:30 KEYNOTE Evolving and adapting in an omnichannel world • Barriers and opportunities in Middle East Nicolas Raffin, Marketing Director Payment, Retail & Paul Boots, CCO, Beehive (UAE) Transport, Oberthur Technologies (France) • Shaping the omnichannel proposition around customer expectation • Technology will act as the agent of change 13:40 • Omnichannel enabled payments, banking and retail Threats to payment innovation • Elevate all retail touch-points Branch opportunity for the Middle East’s banks • High risk, high profile threats to customers, merchants • Physical retail is far from dead; evolve and adapt to the digital world for heightened success • Branch-less and Less-branch strategies and the system Peter Williams, Chairman, Boohoo, Chairman, Jaeger, former CEO, Selfridges and Director, ASOS (UK) • Branch automation and transformation • Increasing sophistication and scale of threat to match • Cost-reduction and competitive imperatives innovative new payment methods. Eg. beacons • Integration with omni-channel strategy • Securing the increased volume of customer information Future Bank Cards & Payments Masterclass when using beacon technology in the cloud Shahzad Ishaq, Head of Consumer Finance, Bank Alfalah Mobile New payment opportunities Big data and payments (Pakistan) Uğur Sennaroğlu, Head of Digital Payment Systems & Cloud Banking Platforms, DenizBank (Turkey) 11:00 Mobile marketing • Cross-selling and commerce Digital currencies and wallets Don’t miss out on this one hour opportunities • Where digital currencies come masterclass that will provide you with 14:00 the knowledge you need to utilise big • Building relationships by positive from and where they are going Mobile and cloud based payments: a variety of choices data in your payment programmes. Emerging markets: an African Case Study interactions • New commerce opportunities • The what and why of tokenisation • Opportunities to serve the un-banked and under-banked • Gamification, loyalty and digital • Regulatory and systemic issues • Case study – Apple Pay • Particular geographies and regions natives • Creating confidence • Benefits of tokenisation Ensure you understand how to safely • Mobile and apps • What is next? secure your data and effectively • Looking to the African market for inspiration Vikram Krishna, Group Head of Rick Dey, Founder and CEO, use the data you have to boost your Marketing and Customer Experience igot.com (Australia) Berend Van Geffen, Chief Commercial Officer, UL profits as well as your customer Abdi Mohamed, CCO, Barclays (Kenya) (CMO), Emirates NBD (UAE) experience. Transaction Security (Netherlands)

11:20 Mobile banking in the Middle East Spending activation in payments: What you will learn: • Smart phone proliferation and the best practices in consumer & 1. Integrating big data and 14:20 continuing shift to mobile banking merchant engagement technology into your payment • Positive economics of mobile • Rewarding models to incentivise platform Cyber security threats to payments and banks • Extending functionality: cheque merchant adoption, increase • Using data, analytics and intelligence to combat fraud 2. Ensure customer satisfaction by capture, person to person, both quality and quantity of • Defence and attack technologies predicting and uncovering advance transfer transactions • Power of collaboration • Enhancing the customer • Database building and relationship problems before they happen using analytics experience marketing for merchants Abeer Khedr, Director of Information Security, National Bank • Personal finance apps • Loyalty and retention for active 3. Collect, analyse, predict and act on of Egypt (Egypt) consumers big data to deliver value Fadi Chalouhi, Head of Strategy, • Case studies: mPOS to drive everywhere and anticipate change Products and PMO, Consumer spending activation Banking Group, NBK (Kuwait) Simone Ranucci Brandimarte, CEO, Enquire now to present this session goSwiff (Singapore) 14:00 Roundtables

11:40 Contextual financial services will Payment data as the starting point for delivering value added-services win • Cards & Payments Real time mobile payments: the • Cards & Payments mPOS: continuing to energise the • Build comprehensive dashboard • Creating personalised time is now check-out process experiences and interfaces based on payment data • Using social, locational and • Analysing payment data to Enquire now to host this session Dimitros Nakis, Product Manager, Verifone (Turkey) transactional insights understand acquiring and issuing • Becoming data and insight driven business • Using contextual technology to • Addressing merchants and reduce fraud and transaction costs cardholders through the web and • Where is the technology going? deliver enhanced services • Cards & Payments Revamping legacy payment • Let merchants optimize their • Future bank When BI meets CRM in retail banking systems to keep up with generation Y Enquire now to present this session business by delivering targeted rewards to their customer Enquire now to host this session Oleg Patsiansky, Business Consultant, BPC (UAE) Sebastien Slim, Head of Marketing, HPS (France)

12:00 Networking lunch 15:20 Afternoon refreshments and networking DAY 2 WEDNESDAY 13 MAY 2015 1 2 3

15:50 THE NEXT WAVE OF INNOVATION

PANEL Accelerating start-ups

• Enable entrepreneurial ecosystems to form and grow • Find your funding • Selecting the best suppliers • Working with the government • Focusing on a global rather than regional vision

HOST: Richard Dean, Presenter Business Breakfast, Dubai Eye (UAE) Ala Alsallal, Founder and CEO, Jamalon.com (Jordan) Saeid Hejazi, Founder, Wally (UAE) Kerem Kuyucu, Founder, (, ) Johny Giacaman, CEO and Founder, Motoraty (UAE/ Saudi Arabia) Beschir Hussein, Founder and CEO, Hellofood (Qatar/ Lebanon) Ian Ohan, Founder, NKD Pizza (UAE) Hosam Arab, Managing Director, Namshi (UAE) WORKSHOPS - CHALLENGE, STIMULATE, SOLVE

Fantastic training on four of the hottest topics. Packed with case studies, exercises, role plays and simulations, each workshop is limited to just 30 spaces to maximise your learning experience.

BIG DATA SOCIAL MEDIA BIOMETRICS MOBILE PAYMENTS WORKSHOP WORKSHOP WORKSHOP WORKSHOP

Monday 11th May Monday 11th May Thursday 14th May Thursday 14th May

YOUR SCHEDULE YOUR SCHEDULE YOUR SCHEDULE YOUR SCHEDULE

10:00 The big data revolution and its defining 10:00 New apps, feeds and profiles - keeping up 10:00 Definitions, modalities, and controversies 10:00 Why banks, telcos and retailers must qualities with the latest trends of biometrics merge to surge

11:00 Networking break 11:00 Networking break 11:00 Networking break 11:00 Networking break 11:30 Taxonomies of applications - moving 11:30 The shift in the economic value of data 11:30 Social, data and metrics - big ideas from 11:30 The consumer perspective beyond verification and identification big data 12:30 Networking lunch 12:30 Networking lunch 12:30 Networking lunch 12:30 Networking lunch 13:30 Preparing your organisation for big data: 13:30 Testing, testing, testing! Some online 13:30 What is the telecom regulator’s role in what really matters? 13:30 Building communities - the power of resources for comparing vendors- which fostering mobile payments developing fans and advocates are really the best? 14:30 Networking break 14:30 Networking break 14:30 Networking break 14:30 Networking break User trust - big data’s biggest challenge The role of mobile device manufacturers 15:00 15:00 Case studies - successes, failures and 15:00 and how to handle it 15:00 Social payments - the risks and postmortems opportunities 16:00 Close 16:00 Close 16:00 Close 16:00 Close

MEET THE EXPERT MEET THE EXPERT MEET THE EXPERT MEET THE EXPERT

Professor Viktor Mayer- Rick Wion Professor James Wayman Bassam Chour Schönberger former Global Director Social Director Biometric Identification Founder and Managing Director Author, Big Data: A Revolution Media, McDonalds Research Program, San Jose State Chouradviser That Will Transform How We Live, University Work, and Think

Viktor literally wrote the book on big data. ‘Big As the former Global Director of Social Media of As an adviser to ELEVEN national governments, Bassam is a payments, loyalty and card specialist Data: A Revolution” is an international best seller arguably the most recognisable brand in the world, you can rest assured that Jim is the right man to with over fourteen years of experience at the and is an essential read for anyone who wants to Rick brings with him the definitive knowledge lead our workshop on biometric technologies. helm of the payments industry. For the last nine stay ahead of one of the key trends defining the and experience of social media. Rick launched Make sure you are ahead of the game in the world years Bassam has headed his own payments future of business. We guarantee that by attending the key firsts for the brand in all of the popular of identity and authentication. Whether you work consultancy firm located in Paris. Having worked this workshop you will gain the big data credentials social channels; Twitter, Facebook, YouTube, for a bank, government or retailer, develop an with some of the world’s leading payment providers to revolutionise your business. Foursquare, Instagram, and Pinterest. Don’t miss understanding of the technologies and discover and banks, his business expertise on payments and the social media workshop that will ensure your how they can work for you in a cost effective way. mobile make him the ideal man for the job when it organisation is social media ready. comes to the Mobile Payments Workshop. ENHANCE, ESTABLISH, ENERGISE

We understand that the potential for disruption and transformation is greater in banking than in any other industry. It underlies every transaction, in every country, between people PEER-2-PEER ROUNDTABLES and things, and people and people. It’s much better to be in the inner circle than standing on the sidelines – these interactive roundtable sessions are your chance to meet the Middle East’s top retailers, banks, telcos and brands. Leave here buzzing with actionable ideas We also understand that relationships matter more than ever in this industry and at the that will revolutionise your business and with the contacts to make change end of the day, the success of the event will be determined by the number of quality happen. contacts you make. We guarantee you will meet buyers at this show. VIP BUYER PROGRAM With over 10,000 attendees, including 500+ senior buyers from regional banks, 300+ Our networking team works year round building important relationships with telecom operators, 500+ government officials and delegations from across the region, key buyers from across the Middle East and will have a delegation of VIP this is no average event. buyers of payments and commerce technology, with purchasing power of millions of dollars, attending the show. Contact us today (andrew.shoesmith@ terrapinn.com) if you are interested to apply for the VIP Buyer Program.

DOWNLOAD OUR NETWORKING APP SPEED NETWORKING Download our networking app to get organised and get in Do you ever struggle to get meetings with your key prospects? Do you know touch with all attendees before the event. what you would say if you got them in a room for 30 seconds? Get working on your pitch now because we are offering you an intense hour of speed USE THE PORTAL TO networking where you will exchange business cards with more buyers than „ Plan your sessions you could meet in a year! „ Build a personalised agenda „ Identify exhibitors to visit „ Set up onsite meetings with key executives AWARDS CEREMONY „ Network with other attendees After the formal conference sessions, take off your tie and join us for the Smart Card & Payments Awards Middle East, presented by Infinia Services & Keep all your messages, appointments and favorites at Solutions. Superb entertainment, exquisite food and the company of some of your fingertips and continue networking whilst you’re the greatest minds in the cards and payments industry will guarantee you a there. You can still use the networking tool within the app night packed with fun and networking at the highest level. for a full year after the event so you can follow up with anybody you missed, months down the line.

Get the networking portal details from the website at: ONE-TO-ONE MEETINGS terrapinn.com/fbme With thousands of buyers at the show how confident are you that you can collect a business card from every single one in the crowds of thousands? Sponsors can take advantage of the dedicated and personalised meeting service, guaranteeing them 1-2-1 time with these pre-qualified buyers. YOUR NETWORKING MANAGERS

Everyone benefits from rich, in-person interactions. But, would it help your business if you could guarantee introductions to your MASTERCLASSES key prospects? Our dedicated Networking Attend our one hour comprehensive masterclasses run by the experts and Managers for will do exactly that and take the assisted by our world class guest presenters. Take a deep dive into the topics chance out of securing those vital business that will transform your banking projects in 2015. opportunities. Andrew Shoesmith [email protected] WHAT’S HOT AT INCREDIBLE SPEAKERS FUTURE BANK Grab a front row seat to hear from the most fascinating minds from across the globe, with MIDDLE EAST entrepreneurial futurists, established icons and emerging disruptors, all setting the bar high with their innovations and ideas that will truly revolutionise the way we browse, shop and pay. MEET BUYERS Meet thousands of buyers of banking technology Robert Scoble Who will you sit next to in the Discovery Bay Keynote Technical Evangelist and Author, Age Theatre, bump into in the Innovation Shack, or grab of Context a coffee with in Surfer’s Paradise Premium Lounge? Everyone we know who’s doing anything interesting and innovative in banking attends (so you should be here too!): Prof. Viktor Mayer-Schönberger Author, Big Data: A Revolution That Will Transform How We Live, Work, Abu Dhabi Commercial Bank Dubai First and Think Abu Dhabi Islamic Bank Dubai Islamic Bank Ajman Bank Dubai Smart Government Al Hilal Bank Emirates Islamic Bank Prof. James Wayman Al Mawarid Bank Emirates NBD Director Biometric Identification Alrajhi Bank Etisalat Research Program, San Jose State American Express Saudi Arabia First City Monument Bank University Arab Bank First Gulf Bank Arab National Bank Gulf Bank Bank Al Jazira Gulf International Bank Mung Ki Woo Bank Alfalah Pakistan HSBC Executive Vice President, Digital Bank Audi Jordan Dubai Islamic Bank Platforms Global Products and Bank Muscat Mashreq Bank Solutions, MasterCard Bank Nizwa MasterCard Bank of Beirut National Bank of Abu Dhabi Bank of Jordan National Bank of Fujairah Osama Bedier Bank Dhofar National Bank of Kuwait Former VP Payments and Wallet Bank Med Noor Bank Google, Founder and CEO Poynt Banque Audi Lebanon Noor Islamic Bank Banque Saudi Fransi Qatar Central Bank Barclays Bank Saudi Arabian Monetary Agency Anthony Thomson Blom Bank Saudi Hollandi Bank Founder and Chairman, Atom Bank, Boubyan Bank Sharjah Islamic Bank Founder and Former Chairman, Metro Byblos Bank Social Security Fund-Ministry of Bank (UK) Central Bank of Jordan Interior Citibank Stanbic IBTC Bank Commercial Bank International The National Commercial Bank Commercial Bank of Dubai UAE Ministry of Finance REGISTER NOW Commercial Bank of Qatar Union National Bank The earlier you book the more you save Credit Libanais United Arab Bank www.terrapinn.com/fbme du Presented by 2014 Winners Our winners have outperformed their competitors, demonstrating unrivalled 2015 growth and success in the last 12 months. Categories Best Credit Card The Standard Chartered MasterCard Titanium Credit Card

Best Premium Card Tuesday 12 May 2015, Conrad Hotel The Standard Chartered Visa Infinite Credit Card

Best Co-branded Card The Etihad Guest Above Credit Card - Abu Best Prepaid Program Dhabi Commercial Bank The Smart Card & Payment Awards Best Premium Card are back on 12 May 2015 to showcase Best Contactless Solution Best Credit Card Tap2Pay - Bank Audi Best Co-Branded Card the success of those who have Best Corporate Card Best Debit Card demonstrated unparalleled excellence First Gulf Bank Commercial Credit Card Best Corporate Card Best Customer Engagement Programme Best mPayment Innovation in the region’s cards and payments Best Smart Government Payment Initiative Bon Appétit- Emirates NBD industry. Best Mobile Banking Experience Best Debit Card Supplementary Debit Card - Mashreq Bank Best Contactless Solution Best Customer Engagement Program The awards are acknowledged as the Best Smart Government Payment must attend annual event for payments Initiative SADAD Payment Systems- SAMA (Saudi NEW FOR 2015 Arabian Monetary Agency) teams across the region and we are Best Payment Initiative - Middle East excited to introduce categories for Africa, Best Mobile Banking Experience Best Payment Initiative - Africa Central & South in 2015. iGaranti - Garanti Bank Best Payment Initiative - Central & South Asia Best mPayment Innovation Most Improved Card PayPort- Mashreq Bank Nominating for the awards is completely Best New Card Emirates NBD Manchester United Credit Card Visit the website terrapinn.com/cpmeawardsFREE! Best Prepaid Programme and nominate today! eDirham- Ministry of Finance

Attendees in 2014 included:

The incredible calibre of 2014 winners indicates the buzz you can expect at the awards, and with all the developments and advancements in the industry recently, the 2015 awards ceremony is set to be mind-blowing! 1-2-1 Partnering Baywatch TV Surf Schools Take the stress out of trying to organise meetings. Sponsor and benefit from an allocated Networking Manager Be the star of the show! In just 3 minutes you can share your 3 Educate your customers about your solutions and products which “Cards & Payments is a major event who gives you access to our very best pool of buyers. They will work closely with you in the run up to the event best, biggest or boldest ideas which will enable you to show your will help them achieve their business goals in our dedicated for our business activity in Middle East. THE EXHIBITION to secure meetings and plan a schedule for you with the largest investors of technology from across the region. clients and prospects why you are riding the wave of innovation. technical seminar theatres. It is the opportunity for VeriFone to meet most of our partners and end user customers from across WHY EXHIBIT? ENTRANCE ENTRANCE the region. I think that 2014 was “a grand cru” event in terms of attendance, activity and interest. Our stand Because your customers are CARDS & PAYMENTS was permanently full with visitors. Which is excellent! continuously looking to: ORGANISER'S OFFICE THE RETAIL & E-COMMERCE SHOW VeriFone will be back in 2015 definitely!” N4 L5 L3 L1 K1 J3 J1 H5 H1 G3 G1 F5 F3 F1 D5 C5 C3 C1 • Purchase new products THE MOBILE SHOW Ana Pereira, Marketing Manager, VeriFone • Drive revenue • Deliver more secure and reliable RH-10 K12 K10 J10 J12 G10 F11 C10 C11 A8 BONDI MOBILE ECOMMERCE BAYWATCH H10 H11 F10 E10 E11 services RC-10 RB-10 RA-10 X20 U10 T10 S10 R10 P10 M10 CARDS & B10 SURF SCHOOL SURF SCHOOL TV STUDIO FUTURE BANK F12 PAYMENTS C18 RH-12 K18 K16 J18 G18 A10 • Invest in new technologies SURF SCHOOL SURF SCHOOL H18 F18 E18 • Streamline operational process RH-14

RH-20 M20 M20 L20 L22 RE-20 RF-20 RC-20 X10 X12 W20 V20 U30 A20 I20 D20 D22 C20 C21 B20 WHO EXHIBITS? RH-22 RB-20 RA-20 T20 S20 R20 Q20 P20 K20 K21 J20 H20 G20 F20 E20 RE-24 RF-24 RC-24 X14 W22 W24 V22 U35 U36 N25 L28 • ePOS and ATM RH-24

• Kiosk and Self Service RH-30 RE-30 RF-30 RA-30 X30 W30 V30 T30 M30 I30 • Payment schemes MAUI MOBILE INNOVATION RH-32 RB-30 RETAIL SURF SCHOOL S30 R30 Q30 P30 L30 J30 H30 G30 F30 E30 D30 C30 B30 Innovation Shack • Card components and SURF SCHOOL SHACK ENTRANCE RE-34 RF-32 RF-34 RA-35 RA-36 X35 X37 W35 W36 V35 T35 T36 M32 I32 Manufacturers RH-34 This is where genuine innovation is showcased • In-branch technology and Cash RH-36 as the latest products and services never before seen in the Middle East are unleashed. Management RH-40 RC-40 RB-40 X40 X42 W40 V40 U40 T40 M40 L40 L42 K40 J40 I40 WAIKIKI MOBILE H40 G40 F40 A quick-fire series of 10 minute live RA-40 S40 R40 P40 E40 D40 • Printers and Print Manufacturing RH-42 SURF SCHOOL RB-45 RB-46 demonstrations and product launches on the • Card management and Testing RC-44 X44 X46 W42 W44 V42 V44 U42 U44 T42 M41 L44 K42 K44 J48 J46 I42 I44 RH-44 C40 B40 exhibition floor. As part of our PR campaign

• Payment processors A40 REGISTRATION you get to launch in front of an audience of H50 G50 F50 • Prepaid and Loyalty Programmes RF-50 RF-52 RF-54 RE-50 RE-52 RD-50 RD-52 RD-54 RD-56 RC-50 RC-52 RB-50 L50 L52 K50 I52 I50 press and prospective buyers. J50 E50 D50 • Payment and Security Software M50 THE KNOWLEDGE REEF L54 L56 K54 K56 • ID and Authentication SURFER'S PARADISE PREMIUM LOUNGE J58 I58 I59 H522 H55 G55 F55 RETAIL & ECOMMERCE SOLD/RESERVED UNSOLD A60 • Resellers and System integrators KEYNOTE THEATRE E60 C60 M-COMMERCE • BI and CRM PRESS DISCOVERY BAY KEYNOTE THEATRE L62 L60 K60 & DIGITAL ID B60 A62 STAGE LOUNGE J60 E68 E66 • Mobile Payments and Mobile SURF SCHOOL C68 C69 BUSINESS BREAKTHROUGH GAME ZONE EXPERT VILLAGE E62 A64 Banking CENTER MALIBU BEACH CLUB COVE SURF'S UP M72 M70 L74 L72 L70 K76 K74 K70 J72 J70 PREMIUM LOUNGE FUTURE BANK CAFE WHO ATTENDS? THEATRE STAGE E70 D74 D72 D70 C76 C74 C72 C70 B74 B70 Senior executives and decision Surfer’s Paradise and the Malibu Beach Club Premium Lounges Surf’s Up Café makers from: • Retail banks Carve out new relationships and hang loose with your prospects, clients Keep your energy levels up and enjoy our and peers attending Cards & Payments. If you are all surfed out relax in Roundtables • Government Premium Content at Discovery Bay ‘cowabunga’ refreshments. Hang out with one of our premium networking lounges or, if you want to keep in touch Host a roundtable with your key prospects and clients who are attending the premium conference. These customers and prospects or chill on your own • Telecom Operators Ride the wave of innovation. The world’s most innovative thinkers and industry gurus will deliver their visionary with the office surf the web at our business centre. smaller working groups come together to brainstorm, debate and discuss the hottest topics and the most in our relaxing café. presentations which will excite, provoke, inspire and engage you. • Retail challenging problems. Lead the discussion and influence decision makers in these intimate gatherings. • Enterprise

COMPANY STAND COMPANY STAND COMPANY STAND COMPANY STAND COMPANY STAND COMPANY STAND COMPANY STAND COMPANY STAND COMPANY STAND 4 Plate L5 Business DNA LLC X14 DERMALOG Identification Systems GmbH A60 Gate2Pay Inc V20 Ingenico F40 MillenTech CTI Group N4 PayFort T10 Shenzhen Xinye Intelligence Card Co., Ltd. L42 USEO X42 Abnote (Aka CardPlus - U.Ludwig e.K.) K42 CARDASIA SDN. BHD. C3 Diebold, Inc. J20 GEMALTO D30 Innovatrics L22 Mingte Technology L1 PayTabs X20 ShopperTrak T40 Vanstone Electronic (Beijing) Co,. Ltd. L56 ADVANCED MOBILE PAYMENT INC. J50 Cardmatix Co J18 DUALi Inc. J3 GET GROUP HOLDINGS Ltd. D50 Integrated Research H10 Mint Middle East LLC Q30 Prologix G20 Smart Vision for Information Systems C21 VEDAS - eMCREY I52 AdvanIDe G1 CardsNow! F11 eBee W35 Global Payment Services (GPS) C11 KeyBS K56 Mobile Channels Company RH-14 Protegris W22 SMARTRAC TECHNOLOGY GROUP K16 VeriFone G50 AGFA E10 Cardtek ME G18 eDirham (Ministry of Finance & NBAD) R40 Golden Spring Internet of Things J46 KL Hi-Tech D5 MONITISE C20 PUBLICENTER C18 SPECTRA Technologies G40 Verisoft K1 AirWatch RB-40 CARDZ I32 Elbarid n goSwiff P30 KONA I. J40 Mühlbauer Group A10 QPAY M40 Spire Payments D40 Visiona N25 Almoe Digital Services W44 Castles Technology Co., Ltd. E18 EMERGING MARKETS PAYMENTS EMP B20 GSS B10 KYTronics F5 NBS Technologies D20 Retail Pro International LLC W24 SPS E68 Wacom Europe GmbH I59

Andrews and Wykeham H1 Cegid V30 Emirates Identity Authority B40 HANYUEGROUP | SHANDONG MINGWAH AOHAN SMART TECH CO., LTD J48 M2M K12 Norq Solutions U36 Reward Technology W42 STS PayOne P40 Wellking Technology Co. Ltd. M22 ARCA Etichette SPA J10 CIM C18 Entersoft Middle East FZ-LLC RA36 HappyorNot T35 Mabna Card Aria G10 NUMNY LLC G3 RFM Loyalty Co. LLC M32 SZZT Electronics M41 Wipaq I59 Austria Card F3 CNS G18 Erabia / Hybris U30 HID Global J30 MagTek K1 NXP Semiconductors Elektronik Ticaret A.S. K18 S2M F30 TACME M30 Wirecard K21 Barnes International F1 Compass Plus I42 ESTEL TECHNOLOGIES F12 Hightech Payment Systems H40 Mahan Systems Fze J12 Oberthur Technologies C30 SafeNet Inc. J58 Telr R20 Wuhan Wenlin Technology Co., Ltd L28 BG Ingénierie K10 CPI - Crane Payment Innovations T36 Eventagrate Rc52 IAI Industrial Systems B74 MAKIN Technology Solutions LLC F20 OctaShop eRetail Services W36 Schreiner PrinTrust J70 Thales C1 XGD F50 Bluebird Inc. F55 CR2 K20 Evolis C10 IDCORP TOSAN TECHNOWARE H20 Mapikart I44 OMA Emirates E50 Security Foiling E66 Toshiba Global Commerce Solutions T30 Yuanmingjie Technology (YMJ) L40 Boost Communications RC-24 CRYPTOMAThIC I50 Fanap H11 id3 Technologies A62 MasterCard B30 OPAL COMPUTERS LLC, DUBAI A8 Shenzen Liangbida Technology Co. Ltd. L54 TPS E20 Zebra Technologies Europe Limited E60 BPC Banking Technologies D22 Cylande T42 Fawry I30 iMarketVend U35 Matica Technologies Fze E30 OpenWay H18 Shenzhen Fongwah Technology Co.,ltd L52 TRÜB AG F18 XH Smartcard I20 Buildabazzar V35 Data Systems® Company, Inc. H55 FIME K10 Infinia Services and Solutions K40 MBME F10 OVD Kinegram AG C5 Shenzhen Guanri Telecom-Tech Co., Ltd. H5 UL E40 Contact us today to secure your stand Bundesdruckerei GmbH C60 Datacard H50 Finesse L3 INFOBIP RF-24 MDSL s.a.l. K42 PalPay H30 SHENZHEN JUSTTIDE TECHNOLOGY CO., Ltd L20 Unique Computer Systems Fz LLC RF-34 Confirm your stand now - call Joseph Ridley on +971 4 440 2536 or email BUSINESS CONNECTION LLC A40 DATAPROTECT C70 FutureCard G30 Infotec Systems J1 Microlatch D60 PayFlex Innova K44 Shenzhen SunlanRFID Technology Co., Ltd L50 United Security Printing I40 [email protected] RESERVE YOUR PLACE TODAY

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Package Before 3 April 2015 Final Price

2 Day Premium Ticket USD $1,995 USD $2,195 (2 day conference)

3 Day Premium Ticket USD $2,895 USD $3,185 (2 day conference + 1 workshop)

4 Day Premium Ticket USD $3,495 USD $3,845 (2 day conference + 2 workshops)

Free Ticket USD $0 (Expo and Seminars only)

Awards Ceremony & Gala Dinner Ticket $300 / Table $5,000

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Contact us TODAY for a tailored sponsorship package to meet your business objectives. Contact Joseph Ridley at [email protected] or +971 4 440 2536 terrapinn.com/fbme