24th ANNUAL INTERNATIONAL CONFERENCE

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1 The ever-popular STEP Jersey Annual International Conference is back for its 24th year. We are delighted to announce that the event will be opened by HM Attorney- General, Robert MacRae QC, who will deliver the keynote address. We have a stellar line-up of speakers to inform and entertain you throughout the day. Breakfast will be served from (kindly sponsored by Microgen). EVENT PROGRAMME 24th ANNUAL INTERNATIONAL CONFERENCE Thursday 10th November 2016 Following last year s successful trial, the delegate packs will be provided digitally so please bring a suitable electronic device with you. TOPICS Tangible Assets/Business Assets/Update on Markets and Economic Outlook - A Practical Session Trust Law Round-Up Regulatory Update How can trustees, banks, fund providers and government work better together to help overcome key challenges? - Panel Session STEP Congress Update Matters to be aware of in Corporate Work: Jersey and BVI Trends in Structuring for Property Holding STEP JERSEY IS SPONSORED BY: DETAILS VENUE: Pomme d Or Hotel CONTACT: T: F: E: step@stepjersey.org COST STEP MEMBERS: 185 STEP STUDENTS: 85 NON-MEMBERS: 250 (including carvery lunch ) CPD 8 hours SPEAKERS Simon Aldous (Savills) Richard Bagnall-Smith & Willem de Gier (Cadell & Co) Euan Dangerfield (Cazenove) John Harris (JFSC) Andreas Kistler (Carey Olsen) Salpy Kouyoumjian (Boodle Hatfield) Mark Lewis (Stonehage Fleming) George Pearmain (States of Jersey) Tony Pitcher (LGL Trustees) James Quarmby (Stephenson Harwood) Nick Ward (Ward Yates) Spencer Wells (Alter Domus) Lorraine Wheeler (First Names Group) CONFERENCE BREAKFAST SPONSORED BY: CONFERENCE LUNCH SPONSORED BY: SPEAKERS DINNER SPONSORED BY:

2 24th ANNUAL INTERNATIONAL CONFERENCE PROGRAMME (MORNING) Registration and breakfast sponsored by Welcome from Naomi Rive (Coutts) Keynote Address Robert MacRae QC, HM Attorney General, Jersey Three Practical sessions covering Tangible Assets, Business Assets and Investments/Economic Outlook Tangible Assets: Richard Bagnall-Smith & Willem de Gier (Cadell+Co) Business Assets: Salpy Kouyoumjian (Boodle Hatfield) Update on Markets & Economic Outlook: Euan Dangerfield (Cazenove) Refreshments Trust Law Round-Up Andreas Kistler (Carey Olsen) Regulatory Update John Harris (Jersey Financial Services Commission) Morning Closing Comments Naomi Rive (Coutts) Lunch in the Harbour Room To include an address by Dan Bisson of Lunch Sponsor RBC Wealth Management IMPORTANT NOTE: The delegate packs for this year s conference will be provided digitally so please ensure that you bring a suitable electronic device with you.

3 24thANNUAL INTERNATIONAL CONFERENCE PROGRAMME (AFTERNOON) Welcome from Henry Wickham Panel Session: Serving private client needs effectively is becoming increasingly challenging - how can trustees, banks, fund providers and government work better together to help overcome key challenges? Chair: Tony Pitcher (LGL Trustees) Panel Members: Mark Lewis (Stonehage Fleming) George Permain (States of Jersey) Spencer Wells (Alter Domus) A N Other (TBA) Update from STEP Congress in Amsterdam Lorraine Wheeler (First Names Group) Refreshments Matters to be aware of in Corporate Work - Jersey & BVI Nick Ward (Ward Yates) Trends in Structuring for Property Holding James Quarmby (Stephenson Harwood) & Simon Aldous (Savills) Closing comments Close

4 KEYNOTE SPEAKER Robert MacRae, QC, was appointed Her Majesty s Attorney General for Jersey in May After spending the early part of his legal career as a Barrister in the UK, where he conducted trials over a wide practice area including contact, tort, employment, chancery, family and numerous jury trials, Robert returned to Jersey where he worked initially in Ogier s Litigation Department. Immediately prior to his appointment as Attorney General he was a Partner at Carey Olsen.

5 SPEAKERS Simon Aldous is a Director at Savills. Prior to joining Savills, Simon worked for Bidwells for 13 years, being a partner in from He qualified as a Chartered Surveyor in Simon undertakes professional work as a RICS Registered valuer of residential properties for banks, solicitors, accountants, trusts and private clients. Specific experience and expertise lies in valuing properties for tax evaluation purposes in particular held by companies (ATED) and non-domiciles in offshore trusts. He has for over 20 years specialised in valuations for capital gains tax and IHT purposes. Simon leads the Department s work on residential valuations for tax purposes. He is regularly asked to give talks to Trustees, Trust Companies and Legal Associations. Richard Bagnall-Smith is a Partner, Client Management and Sales at Cadell+Co. Before he founded Cadell+Co with Luke and Richard Camber, Richard was Global Chief Marketing Officer of Christie s. Richard is responsible for Cadell+Co s Client relationships and for negotiating art transactions. Before he founded Cadell+Co with Luke and Richard Camber, Richard was Global Chief Marketing Officer of Christie s, where he was responsible for the business development, marketing, digital, publishing and corporate communications departments. Richard was also a key member of the Executive Team at the Qatar Museum Authority. He worked with museum and function heads to develop a global reputation for what had been an internal Government department. He helped to inspire a more widespread cultural change as part of Qatar s 30-year vision. He has many years of experience in advertising, CRM and database marketing having been a Director at Publicis, Managing Director of Wunderman and Regional EVP at Grey Group. Richard is a member of the IOD and Fellow of the RSA. Euan Dangerfield is jointly responsible for managing Cazenove Capital s relationships with fiduciary firms across the Channel Islands. He joined Cazenove in 2011 from the investment consulting firm ARC, where he was managing director of the Jersey office. Since 1993, Euan has built up a broad experience serving the investment needs of individuals and trustees from both offshore and onshore jurisdictions. Before returning to Jersey in 2003 Euan headed the private client discretionary team at Royal Bank of Canada in London and has previously worked for HSBC and Hill Samuel. He is a Chartered Fellow of the CISI. Willem de Gier is a Partner: Technology, finance and legal infrastructure at Cadell+Co. He is responsible for Cadell+Co s operational, technology, finance and legal infrastructure. With a background in Corporate Strategy and Finance, Willem has recently been working closely with Private Equity and other investors active in the Art Sector on their business and operational infrastructure. A former Executive Management Board member at Christie s, Willem was responsible for Global Group Operations. This encompassed; Information Technology, ecommerce, Change Management, Procurement and Outsourcing, Global Logistics shipping and storage, Photography, Catalogue Print and Distribution, Web Publishing, Client Service Functions, Security and Real Estate Management. With a background in Corporate Strategy and Finance, Willem has recently been working closely with Private Equity and other investors active in the Art Sector on their business and operational infrastructure. Willem was educated at Bristol University (BSc.), Warwick Business School (MBA) and INSEAD (Executive Leadership).

6 SPEAKERS John Harris was appointed the Director General of the Jersey Financial Services Commission in November 2006 and subsequently joined the Board of Commissioners in March From 2002 to 2006, he held the position of Director - International Finance in the States of Jersey Chief Minister's Department where he had responsibility for all aspects of the government's policy on the maintenance and enhancement of Jersey's position as an international finance centre. From 1998 to 2002 he was Chief Executive Officer for NatWest Offshore with responsibility for offices in Jersey, Guernsey, Isle of Man, Gibraltar, Cayman, Bermuda and the Bahamas. He spent 22 years working for NatWest Bank during which time he held management positions in France, Switzerland and Singapore amongst others. John Harris obtained a BA (Hons) at Exeter University and is a fellow of the Chartered Institute of Bankers. Andreas Kistler is a Partner at Carey Olsen. He practises all aspects of Jersey commercial litigation, including contentious trust, professional negligence, disputes concerning investment funds and Jersey companies, contractual disputes and Jersey intellectual property rights (in particular trademarks, domain names and copyright). In addition, Andreas has significant experience of non-contentious Court proceedings including applications by trustees for directions, implementation of several of the most significant corporate takeovers by way of schemes of arrangement to occur in Jersey and post-listing reductions of share capital. Andreas has acted in numerous cases involving allegations of breach of trust, fraud and professional negligence, both for plaintiffs and defendants. He also has experience of mediation of such disputes. As a member of Carey Olsen's Litigation and Fiduciary Groups, he is regularly involved in applications by trustees for administrative directions (both contentious and non-contentious), applications by trustees and beneficiaries for relief on grounds of mistake and under the rule in Hastings-Bass, applications for orders approving compromises of disputes on behalf of minor, unborn and unascertained beneficiaries and applications for rectification of trust instruments. Salpy Kouyoumjian is a Partner at Boodle Hatfield. She has a strong international client base and specialises in providing international tax and structuring advice to ultra high net worth entrepreneurs (and the trustees and financial institutions who service them) in relation to their multi-jurisdictional private and business assets. She has extensive expertise in advising clients from Russia, the CIS and the Middle East on international and cross border taxation, long-term asset protection/risk management and family/business governance. Salpy brings to Boodle Hatfield considerable experience in designing and establishing bespoke international asset-holding and wealth management structures including private trust companies, limited partnerships, family offices, pooled investment vehicles and investment management/advisory structures. Salpy also has extensive expertise in Sharia compliant wealth structuring. Prior to joining Boodle Hatfield, Salpy spent five years at Clifford Chance and then ten years at Baker & McKenzie where she was a partner in the Wealth Management team. Salpy is fluent in Arabic, French and Armenian. Mark Lewis is a Partner in the Family Office Division of Stonehage Fleming. He joined the Group in 2014 after nearly 25 years as a lawyer in private practice specialising in international corporate and commercial work. Prior to joining the Group, Mark was a Partner of the international law firm Appleby, and was Head of the Corporate and Commercial Department of the Jersey office. Mark graduated from Magdalene College, Cambridge University, he qualified as an English solicitor and as a Jersey advocate. He also obtained a diploma in French Law (Certificate D Études des Lois Normand et Francaises). Mark has been recommended by Chambers Global and other legal directories as a leading Individual lawyer and is a regular speaker at seminars and conferences, particularly in relation to financial services regulation.

7 SPEAKERS George Pearmain has worked for the States of Jersey since 2012 advising initially the Minister for Economic Development, and more recently the Chief Minister on policy and legislative development in relation to the financial services industry. George currently takes lead responsibility for Government engagement in both the private wealth management sector and financial crime policy along with a variety of other day-to-day work across the financial services industry. George has a background in commercial litigation with a particular focus on fraud, regulatory and trust disputes. Tony Pitcher qualified as a Chartered Accountant with Price Waterhouse following graduation from the Warwick Business School with a degree in Accounting and Financial Analysis. Soon after qualifying Tony joined the tax division of EY where he became a partner advising mainly on UK taxation of non UK trusts and companies. At EY Tony moved into the trust division where he managed trusts and companies for families with connections to the UK, USA and continental Europe. Following the acquisition of EY s trust business by a Canadian bank that has Jersey s largest Trust business, Tony first led a trust team of 40 people before he became the Managing Director with oversight of the whole business. Tony led the business for more than three years before deciding that working with clients and their advisers was his passion. He left the bank to work with clients and their advisers directly, most latterly with a UK bank, where he has been for over three years. Tony is a member of the STEP Jersey Branch Committee and is a past Chair. He is also a past Chair of the Jersey Taxation Society and has worked on a number of consultative bodies relating to Jersey s finance industry. Tony joined LGL Trustees in June 2014 to continue his work with ultra high net worth families in an owner-managed trust business where the needs of its clients are paramount. James Quarmby is a Partner at Stephenson Harwood. He is a specialist in tax planning, wealth structuring and asset protection for international private clients. He leads our award-winning private wealth team. James has a wide-ranging practice dealing with all aspects of private international wealth and he is highly respected for his practical and rigorous approach. The Legal 500 describes him as a very experienced tax lawyer with commendable professionalism and responsiveness who specialises in innovative tax planning work. He is also recognised by Chambers UK as a leader in the field. James also has a well-respected practice dealing with international pensions and remuneration trusts and regularly represents clients who are in dispute with, or under investigation by the HMRC. He lectures widely and is frequently published on the subject of tax planning and policy. As well as being a solicitor, James is a Registered Tax Technician and is regulated by the Association of Tax Technicians (ATT). He is an active member of STEP and the International Tax Planning Association (ITPA). Nick Ward has over 15 years legal experience in Jersey and was formerly a partner of one of the largest International law firms based in Jersey. In 2015 Legal 500 described Nick as first rate and with excellent technical skills and recommended him in the areas of banking and finance, corporate and commercial, and private client, trusts and tax. He has also been named as a key practitioner for structured finance and securitisation work and recognised by Legal 500 for his ability to cut through the issues and for being proactive and to the point. Nick graduated from Durham University in 1991 with a first class degree in Russian, Italian and Philosophy. He qualified as an English solicitor in He was sworn in as an advocate of the Royal Court of Jersey in 2006 and became a solicitor of the Eastern Caribbean Court (British Virgin Islands) in He currently advises on both Jersey and BVI law.

8 SPEAKERS Spencer Wells is Head of Channel Islands and Country Executive at Alter Domus, Jersey. Prior to joining Alter Domus in January 2012, Spencer worked for Ogier Fiduciary Services where he had responsibility for both Real Estate and Private Equity Funds. In this role Spencer was involved in all aspects of fund administration throughout the lifestyle of a variety of funds and was a director of a number of regulated fund entities. Spencer is approved to act as Director in Jersey by the Jersey Financial Services Commission. Spencer is a Fellow of the Association of Chartered and Certified Accountants with over 20 years experience in financial services. After qualifying in 2002, Spencer spent two years heading up the corporate administration team at SG Hambros in Jersey. Between 2002 and 2005 Spencer was a Director of Close Trust Company with responsibility for corporate and fund administration businesses in both Jersey and Guernsey. Lorraine Wheeler is Client Services Director at First Names Group. Previously Lorraine worked as a Director in the Private Client group of Capita. Coming from the UK, following secondments in Bermuda and Switzerland, Lorraine settled with her family in Jersey and has extensive experience in the trust industry, dealing with a range of traditional and complex structures including trusts, companies, limited partnerships and foundations. Lorraine qualified under the Chartered Institute of Bankers Trustee Diploma and also has a BSC (Hons) in Financial Services and a STEP certificate in International Taxation. She has acted as secretary of STEP in Jersey since 2005 and is now Chair of the branch, building upon her previous involvement with the Bermuda and Switzerland branches. She is also a Fellow of the Chartered Institute of Bankers and previously served as Chair of the Bermuda branch.

9 CHAIR (MORNING) In April 2014 Naomi Rive joined Coutts & Co Trustees (Jersey) Limited as its Chief Trust Officer. A lawyer by training, Naomi was called to the English Bar in 1999 and qualified as a Jersey Advocate in Before joining Coutts, Naomi was a Partner and Head of the Jersey Private Client & Trusts team at international offshore law firm, Appleby. At Coutts, Naomi has oversight of fiduciary policy and works closely with clients and their independent legal, tax and investment advisers to ensure the establishment and implementation of robust and sustainable wealth planning structures. Naomi is Deputy Chair of the Jersey branch of STEP and sits on the Jersey Finance Trusts Law Working Party. She regularly speaks at trusts conferences, including STEP and the International Bar Association. Naomi was recognised as one of the Top 50 Most Influential Offshore Professionals in 2014 by Private Client Practitioner. She was also ranked in the 2014 Citywealth Leaders List. CHAIR (AFTERNOON) Henry Wickham is a Senior Associate with Bedell Cristin. He joined the firm from Lawrence Graham LLP in London. Henry advises professional trustees and intermediaries in the Channel Islands and internationally on all aspects of Jersey trust law to include the establishment, ongoing operation and the restructuring of trusts and the establishment of private trust companies. He has significant experience advising upon the impact of international sanctions upon trust structures. Henry also advises on all related company and commercial law issues and the establishment and use of foundations. Henry has been recognised as one of the "Top 35 Under 35" by Private Client Practitioner 2015 and He has been cited as having a "can-do attitude and good technical knowledge" by Chambers Research He has spoken at seminars in Jersey and Geneva on family governance and new structures. Henry spoke on "STEP and the future of trusts" at the sixth CPD Plus seminar organised by the Jersey International Business School on 3 November Henry has also provided a seminar to local based trust companies on "Trustee investment duties: limiting liability and managing risks". Henry is included in the "Leading Lawyers" category in the 2016 Citywealth Leaders List, was a "Prominent Figure" in the 2015 Citywealth Leaders List, was recognised in the Citywealth 2013 Jersey Future Leaders List and was shortlisted in the Wealth Professional of the Year category in the 2014 Citywealth Magic Circle Awards. Henry is a member of the STEP Jersey Branch Committee.

10 SPONSORS Carey Olsen is a market leading offshore law firm delivering exceptional services from the key offshore financial centres of the British Virgin Islands, the Cayman Islands, Guernsey and Jersey. We also have offices in Cape Town, London and Singapore. We provide legal services in relation to all areas of corporate and finance law, trusts and private wealth, investment funds and dispute resolution. Our Trusts & Private Wealth Group looks after a range of private clients and professional trustees. We work closely with onshore advisers to provide clients with structures which achieve their objectives be it the protection of family wealth for future generations, arranging charitable donations or funding philanthropic initiatives. careyolsen.com

11 SPONSORS Since opening an office in Jersey in 1962, RBC Wealth Management has continued to build upon its local presence and is proud to be recognised as one of the leading providers of wealth management services in the Channel Islands. By partnering with us, not only will you benefit from our award-winning expertise locally, but the international reach and full service capability of Canada s largest bank and one the world s leading wealth managers. Best Private Banking Service Overall, Jersey Euromoney Private Banking Survey, 2015 Tel: rbcwminternational@rbc.com

12 SPONSORS Salamanca Group is a privately-held Merchant Banking business, which integrates traditional investment and advisory services with a dedicated Private Office. We build highly valued, long-term relationships with individuals, corporates, institutions and governments, offering strategic advice and specialist know-how through our four divisions; Special Situations, Corporate Advisory, Real Estate and Trust & Fiduciary. Each division tailors its services as well as draws on the wider Group s expertise to deliver integrated, consistent advice, always with the client at the centre. We ensure a collaborative approach with our clients, in order to enable their business, protect their assets and grow their capital.

13 SPONSORS Savills is a leading global real estate advisor listed on the London Stock Exchange. The company, established in 1855, has a rich heritage with unrivalled growth; with over 200 offices worldwide, throughout the Americas, Europe, Asia Pacific, Africa and the Middle East, employing 19,000 people. Savills has a wide breadth of core services including consultancy, research, acquisition/disposal, leasing, valuation, buildings services and project management, property management, asset management, facilities management, corporate finance advice, insolvency advice, rating, rent review capital allowances, planning. We also offer specialist fund and investment management, real estate finance, and private financial services. A unique combination of sector knowledge and entrepreneurial flair clients access to real estate expertise of the highest calibre. We are regarded as an innovative thinking organisation backed up with excellent negotiating skills. Savills chooses to focus on a defined set of clients, therefore offering a premium service to organisations and individuals with whom we share a common goal. Savills is synonymous with a high quality service offering and a premium brand, takes a long term view to real estate and invests in strategic relationships. savills.co.uk

14 SPONSORS Since our foundation over a century ago, Smith & Williamson has been managing the financial affairs of private clients and their business interests, offering assistance in tax, investment management and financial planning. We are one of the top ten largest firms of accountants* in the UK and our investment management business has over 16 billion of funds under management and advice (as at 31 March 2015). Our business spans 12 offices in the UK, Ireland and Jersey, with locations in the City of London, Belfast, Bristol, Birmingham, Dublin, Cheltenham, Glasgow, Guildford, Manchester, Salisbury and Southampton, and an international capability in over 100 countries through membership of Nexia International and M&A International. We have a number of investment management teams with experience of working with trustees in the Bahamas, Bermuda, the Cayman Islands, Jersey, Guernsey, Isle of Man, and Switzerland. Our work with offshore trustees covers mandates ranging from lower risk all bond, to equity portfolios and fund of fund arrangements, and we place particular emphasis on building strong relationships with offshore trustees - building detailed knowledge of each individual mandate. Offshore mandates are typically more complex and we have wide-ranging experience in understanding the structures in place and the implications this may have on our investment strategy. In addition, we provide specialist tax advice from our Jersey office, assisting highnet-worth individuals and businesses with international tax planning and effective financial structuring. The Jersey tax team is supported by the firm s broader business which includes the full range of services: investment management, business advisory service, banking, corporate finance, corporate recovery and forensic accountancy. We have a large and experienced tax investigations team in the UK, which operates from several UK offices. The team handles tax enquiries and investigations with UK and international issues, and is skilled in both civil and criminal investigations. *according to the 2014 survey of the market by Accountancy magazine Important information Please remember the value of investments and the income from them can fall as well as rise and investors may not receive back the original amount invested. Past performance is not a guide to future performance. Smith & Williamson LLP Regulated by the Institute of Chartered Accountants in England and Wales for a range of investment business activities. A member of Nexia International Smith & Williamson Investment Management LLP Authorised and regulated by the Financial Conduct Authority Smith & Williamson Financial Services Limited Authorised and regulated by the Financial Conduct Authority. Ref 15/572

15 SPONSORS Stephenson Harwood has been looking after the legal needs of wealthy individuals and their families for nearly 200 years. We have always understood that our private clients require a wide range of services, beyond that which is offered by the traditional private client firms. This is because our clients are typically entrepreneurial, international and with complex, frequently international, interests. Stephenson Harwood is a full service international law firm, with over 130 partners and 700 staff worldwide. We have nine offices across Asia, Europe and the Middle East: Beijing, Dubai, Hong Kong, London, Paris, Piraeus, Seoul, Shanghai and Singapore. As a truly international firm, with a wide range of legal capabilities, we are ideally positioned to service all the needs of high net worth individuals and their businesses across the globe. To find out more about how we can help you and your clients please contact James Quarmby, head of Private Wealth: james.quarmby@shlegal.com or Tel: T:

16 SPONSORS Vistra's specialist colleagues provide tailored trust, fiduciary, fund and corporate services. We form strong, trusted connections with our clients, based on a deep understanding of their professional worlds, drawn from our extensive experience of working in those same worlds across finance, structuring, law, and accounting. We employ 2,500 professionals across 41 countries throughout the Americas, Pan Asia-Pacific, the Middle East and Europe. Our approach is always personal. We develop perceptive solutions to the often complex needs of each individual client, from international corporations to high net worth individuals. We always go further for clients, from forming new connections to navigating new jurisdictions, to maximise what is possible in international business. For more information please contact Steven Rowland on or steven.rowland@vistra.com

17 BREAKFAST SPONSOR Microgen has been providing software to the global trust and corporate services administration market for over 30 years and has over 380 customers in 30 countries, across 6 continents. Customers range from the very largest global multi-office providers to small single office administrators. Microgen services its long-established Channel Islands customer base from its offices in Jersey, Guernsey and the UK. Microgen s Trust and Corporate Services Administration software, Microgen 5Series, is a highly flexible software solution that can be quickly tailored to meet specific business requirements whilst improving efficiency and reducing risks and costs. It comprises seven modules covering trust and corporate service providers primary business functions: Entity Management Accounting Investments Time and Expenses Billing Document Store Client Web Portal These modules are tightly integrated which reduces the duplication errors typically associated with multiple systems. The increased levels of automation achievable with Microgen 5Series over many software products on the market enables staff to spend more time on value-added activities. The powerful, in-built workflow capabilities can be used to help manage and automate key business processes and daily activities, for example, client risk reviews and scoring, FATCA/CRS reporting, client on-boarding and year end accounts production. This ensures that administration staff work in a consistent manner, helps support regulatory compliance and provides management with clear visibility over the business. For more information please visit our website

18 Booking form and invoice for: STEP JERSEY 24th ANNUAL INTERNATIONAL CONFERENCE Thursday 10th November 2016 Organisation: Contact: Tel: Number of delegates: Names of delegates: Job title..... STEP STEP Students TOTAL: Payment: Please indicate whether you are paying by BACS... cheque... or card... Alternatively, you can now REGISTER & PAY ONLINE at NB: A separate payment must be issued for each event booked Payment by BACS to: Bank: RBSI Limited Account: STEP Jersey Sort Code: A/C number: Ref: Nameoffirm101116(no spaces) Date of BACS payment OR: Post your cheque to: STEP Jersey PO Box 269, St Helier Jersey, JE4 8TN OR: Pay by credit/debit card Card payments will be processed securely through WorldPay NB: AMEX not accepted Name of cardholder: Billing address: Card number: Start date: End date Verification No: Issue No (debit cards) Terms and conditions: Conference documentation will be distributed at the event. STEP Jersey branch reserves the right to amend or cancel this event where the occasion necessitates. In such circumstances a full refund of any registration fee will be made but STEP Jersey branch shall accept no further liability. Prices may be subject to change. This booking form constitutes a legally binding contract. The delegate (s) and firm are jointly and severally liable for payment of the fees due. The conference language is English. Cancellations / Substitutions: You are able to send a substitute delegate at any time. If a non-step member attends in lieu of a STEP member the difference in fees will be charged. No refunds (or credits for future events) will be given for cancellations unless the STEP Jersey office is notified at least 24 hours before the event. Data Protection STEP Jersey branch and the STEP Worldwide ( STEP ) may use this information to update its databases, which are used for a wide range of purposes relevant to the activities of the organisation. STEP may also contact you from time to time with details of programmes and events that may be of interest to you. STEP may also disclose your details to our event sponsors, who may themselves contact you in relation to services which you may find of interest. If you would prefer the Society not to disclose and/or use your information in the ways set out above, please contact the Society at step@stepjersey.org Disclaimer STEP Jersey accepts no responsibility for statements made in oral or written presentations delivered at its conferences. The views expressed by speakers participating in STEP Jersey conferences are not necessarily the views of STEP Jersey and it does not accept responsibility f or the accuracy of any statements made.