MEMBERS OF THE CONTACT GROUP ON EURO PAYMENTS STRATEGY (COGEPS) LARGE VALUE AND RETAIL PAYMENTS ISSUES Co-chairs European Central Bank RUSSO, Daniela Chair of the EPC HARTSINK, Gerard Banking industry Chair of FBE Payments Committee GAGGI, Pierfrancesco ACCB (Association of Cyprus Banks) NICOLAOU, Marios Banco Santander and EPC Chair SPS WG SANTAMARIA, Francisco Javier Bank of Valletta, Malta SANT, Peter Banque et Caisse d’Épargne de l’État / State and Savings Bank Luxembourg ERNST, Gilbert BNP Paribas KRAFT, Thomas Chair of ESBG Payment Committee DENÈLE, Fabrice Citi Bank and EPC Chair of Information Security SG WANDHÖFER, Ruth Bundesverband deutscher Banken (Association of German Banks) KARASU, Ibrahim Caixa Geral de Depositos and EPC Chair Cash WG MACHADO, Leonor CECA HUERTAS, Francisco Deutscher Sparkassen- und Giroverband (DSGV) WEISS, Axel DnB NOR and EPC Chair of Mobile Channel WG FLATRAAKER, Dag-Inge EPC Secretary General MUSTO, Marco EPC Vice Chair and Crédit Mutuel BRUN, Claude Erste Bank MATTES, Klaus Euro Banking Association LICHTER, Gilbert European Association of Co-operative Banks (EACB) GUIDER, Hervé European Banking Federation (FBE) RAVOET, Guido European Savings Banks Group (ESBG) DE NOOSE, Chris FBF DUTREUIL, Bernard Hellenic Banking Association TAVLARIDIS, Kostas INTESA SANPAOLO SpA FERRERO, Giorgio Irish Payment Services Organisation Ltd MCLOUGHLIN, Pat KBC Bank GUNS, Bart Page 1 Millenium BCP Bank FONTES, Alirio Payments Council Ltd SMEE, Paul Pohjola Bank Plc and EPC Chair of Standards SG AALTO, Petri Rabobank Nederland BUSSEMAKER, Ineke Royal Bank of Scotland and EPC Chair of Legal SG BROWN, Kevin Chair of EACB Payments Committee GALL, Guenther Slovak Association of Banks HAINS Roman Swedish Bankers’Association TROGEN, Leif Target Working Group JONES, Roger The Bank Association of Slovenia PIRNAT, Matevz UBI Banca and EPC Chair of Cards WG BECHIS, Ugo Western Union KING, Eva Eurosystem National Bank of Belgium LAGAERT, Peter Deutsche Bundesbank SCHRADE, Dirk Central Bank of Estonia NÕMMELA, Mihkel Central Bank of Cyprus DEMETRIOU, Yiangos Bank of Greece LIAPIS, Elias Banco de España NÚÑEZ, Susana Banque de France DE SÈZE, Nicolas Central Bank of Ireland MOLUMBY, Paul Banca d'Italia MARULLO REEDTZ, Paolo Banque centrale du Luxembourg RAMSPACHER, Charline Central Bank of Malta AGIUS, John De Nederlandsche Bank VOORMEULEN, Coen Oesterreichische Nationalbank DOSTAL, Andreas Banco de Portugal GARCIA, António Banka Slovenije CENTRIH, Peter Narodna Banka Slovenska HOLIČKA, Peter Suomen Pankki (Bank of Finland) PALVA, Marianne European Central Bank PETIT, Pierre European Central Bank RUTTENBERG, Wiebe European Central Bank BONARA, Alessandro European Central Bank LÖBER, Klaus European Central Bank ROOS, Ton European Central Bank TUR HARTMANN, Francisco Rapporteur COGEPS KOTLASOVÁ, Alexandra Page 2 Observers Three NCB representatives from the countries that have not yet joined the euro area European Commission TERTAK, Elémer European Commission MUYLLE, Jean-Yves European Association of Co-operative Banks (EACB) VAN BERKEL, Marieke European Banking Federation (FBE) PONCELET, Patrick European Savings Banks Group (ESBG) BIELEFELD, Norbert Page 3 .