25th ANNUAL INTERNATIONAL CONFERENCE

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1 Current hot topics and future trends facing the wealth management industry are on the agenda for STEP Jersey s 25 th Annual International Conference which takes place at the Pomme d Or Hotel, St Helier on Thursday 02 November. This must attend event will bring together some of the best minds in the profession to discuss and inform delegates about what s happening in our ever-changing world. Keynote: Steve Williams, CI Brussels Office BOOK NOW at EVENT PROGRAMME 25th ANNUAL INTERNATIONAL CONFERENCE Thursday 2nd November 2017 TOPICS 2018: What to Expect? Next Generation Planning (panel session) Offshore Trust Law Roundup Where next for the Transparency Agenda? Wealth Structuring for International Families Regulatory Update Non-Dom Changes: Threats & Opportunities Data Protection; Cyber Security; Trust & Company Registers (Panel) 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 lunch ) BOOK ONLINE CPD - 7 hours SPEAKERS Ian Barnard (Cap Gen Partners) Claire Blakemore (Withers) Sarah Cormack (Withers) Tom Cowsill Anthony Donatelli (UBS) John Harris (JFSC) Justin Harvey-Hills (Mourant Ozannes) Sarah Hewin (Standard Chartered) Nick Marshall (Collas Crill) John Riches (RM Law LLP) Alexa Saunders (Carey Olsen) Gary Stewart (C5 Alliance) Steve Williams (CI Brussels Office) Robin Vos (MacFarlanes) CONFERENCE BREAKFAST SPONSORED BY: EXHIBITION SPONSOR:

2 25th ANNUAL INTERNATIONAL CONFERENCE PROGRAMME (MORNING) Registration and breakfast sponsored by Welcome from the Chair of STEP Jersey Naomi Rive (Coutts) Keynote Address Steve Williams, Director, Channel Islands Brussels Office : What to Expect Sarah Hewin, Chief Economist Standard Chartered Hot Topics for Trustees (Data Protection, Cyber Security, Trust & Company Registers) A Panel Session with: Tom Cowsill Alexa Saunders (Carey Olsen) Gary Stewart (C5 Alliance) Chaired by: Naomi Rive (Highvern Trustees) Refreshments Offshore Trust Law Round-Up Justin Harvey-Hills, Partner, Mourant Ozannes Non-Dom Changes: Threats & Opportunities Robin Vos, Partner MacFarlanes/Chair STEP UK Technical Committee Regulatory Update John Harris, Director General, Jersey Financial Services Commission Morning Closing Comments Lunch in the Harbour Room

3 25thANNUAL INTERNATIONAL CONFERENCE PROGRAMME (AFTERNOON) Welcome from the Vice-Chair of STEP Jersey Henry Wickham (Bedell Cristin) Next Generation Planning A Panel Session with: Ian Barnard (Cap Gen Partners) Anthony Donatelli (UBS) Nick Marshall (Collas Crill) Chaired by: Tony Pitcher (LGL Trustees) Refreshments Where Next for the Transparency Agenda? John Riches (Partner RMW Law/Co-Chair STEP Public Policy Committee) Wealth Structuring for International Families Sarah Cormack, Partner, Withers Worldwide Claire Blakemore, Partner, Withers Worldwide Closing Comments Close

4 KEYNOTE SPEAKER STEVE WILLIAMS Director of the Channel Islands Brussels Office (CIBO) Steve was recruited to head CIBO when it first opened in April 2011 as the joint office of the Guernsey and Jersey governments in Brussels. Before that he had worked for 30 years in the British Diplomatic Service, most recently as British Ambassador to Bulgaria ( ). Other overseas postings included spells in the British Embassies in Oslo and Buenos Aires, and at the UK Permanent Representation to the EU in Brussels. Jobs in London at the FCO included spells as Deputy Director of EU Affairs and as Americas Director. He also did an 18 months secondment to Barclays Bank in the City.

5 SPEAKERS IAN BARNARD Partner, Capital Generation Partners CLAIRE BLAKEMORE Partner, Withers Worldwide SARAH CORMACK Partner, Withers Worldwide Ian Barnard is a Partner of Cap Gen Partners, Chairman of the Investment Committee and serves on the Asset Allocation, Client Portfolio and Risk Committees. He oversees the firm s rigorous investment due diligence process which spans economic analysis, operational scrutiny and meticulous due diligence on individual managers and ideas. Ian is particularly interested in ensuring that managers are correctly incentivised and that their interests are aligned with the clients interests. Ian began his career at Smith Barney advising on structured finance and mergers & acquisitions but he also spent time in the British Army before joining the Diplomatic Service where he served in the UK and abroad. Ian studied history at Oxford and also completed an MSc (with distinction) in Management at London Business School. Claire is a partner in the family law team and the London office managing director. She brings commitment, energy, strong technical expertise and sound judgement to all her work, spanning the full range of family law issues. Claire goes the extra mile for her clients with whom she has solid relationships. Whether working with domestic or international clients, she deals with complex financial claims, children issues, pre- and post-nuptial agreements and cohabitant disputes and has extensive experience advising on cases involving trusts. Her clients are in commerce, finance and tech, professionals, families with inherited wealth and those in the public eye. Whilst being highly experienced in difficult litigation she also has a busy dispute-resolution practice as a collaborative lawyer and mediator. She has acted for (and for the spouses of) trustees, doctors, lawyers, hedge fund managers, members of aristocracy and people in the public eye. With clients involved in anything from sports and retail to pharmaceuticals and technology, Claire is well versed in dealing with clients holding senior positions in many different sectors. Sarah is a partner in the private client and tax team in London. She advises on tax, trusts and estate planning, both onshore and offshore, for high net worth individuals with a focus on complex offshore structures. Sarah has particular expertise in advising on the establishment of private trust company structures and related fiduciary and governance issues, together with all aspects relating to the family office. She also advises clients on the UK tax implications of becoming resident in the UK and assists in ensuring that a client s asset holding structures are appropriate for a relocation to the UK. She advises clients from around the world and has a significant Russian practice. Sarah also advises on trust and will drafting and advising trustees on their duties and powers. Sarah s interest in structuring for effective family governance and her experience of working with clients to determine the shape and structure of their wealth led to her leading Withers involvement in the research piece The Meaning of Wealth.

6 SPEAKERS TOM COWSILL Job title in here ANTHONY DONATELLI Director, Philanthropy Services UK, UBS Anthony Donatelli joined the UK Philanthropy Services team at UBS in April 2015 after spending two years working in Group Strategic Change Management and Group COO Risk Management in the UBS London office. Prior to relocating to London, Anthony was based in the Sydney office for three years responsible for business continuity in Australia, New Zealand, Thailand, and Indonesia. He joined UBS in the Americas headquarters in Stamford, CT within the Office of the COO in 2008, performing project management and business continuity roles. He has dual Bachelor of Arts degrees from Boston College in History and Education and his MBA through Duke University's Fuqua School of Business. Outside of work, Anthony spends time on a volunteer basis with The Bridge Academy in Hackney and the Streets of Growth, a UK registered charity. JOHN HARRIS Director General, Jersey Financial Services Commission 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.

7 SPEAKERS JUSTIN HARVEY-HILLS Partner, Mourant Ozannes Justin Harvey-Hills is a partner in the Jersey office of Mourant Ozannes and specialises in banking, financial services, corporate and trusts litigation. He has particular experience of investment and employee fraud, asset recovery, anti-money laundering legislation, regulatory investigations and trust disputes. Justin spent six years with Simmons & Simmons in London before joining Mourant Ozannes, and is also an accredited mediator. Justin read law at Exeter University and the University of Aix-en- Provence before joining Linklaters in London and qualifying as an English solicitor in 1997 (currently non-practising) and a Jersey Advocate in SARAH HEWIN Chief Economist Europe, Standard Chartered NICK MARSHALL Senior Associate, Collas Crill Sarah Hewin leads research on European economies, including Western and emerging Europe. She has many years of experience covering G7 and emerging-market macroeconomic, investment and country-risk issues. She frequently broadcasts on television for BBC, Sky, CNBC, and Bloomberg, and radio for the BBC and Bloomberg. She is based in London. Before joining the bank in 2008, Sarah was a senior economist at American Express Bank based in London, New York and Hong Kong, where she was responsible for delivering economics and investment advice on Europe, the US and Asia. Previously, she worked at Lloyds Bank and at the European Commission in Brussels. She read economics at Girton College, Cambridge, specialising in international economics. Sarah is a member of the CityUK s Independent Economists Group and sits on the Secretary of State s Panel on Monitoring the Economy. Nick is a senior associate in the firm s private client practice in Jersey. He is an English solicitor with significant experience in advising on private wealth structures and other fiduciary matters. He specialises in all aspects of Jersey trusts and foundations law and regularly advises on the establishment of, and ongoing work involved in, trusts and foundations used for managing private wealth. As well as being a senior private client lawyer, Nick has significant expertise in a wide variety of UK and Jersey corporate and commercial matters including mergers and acquisitions, corporate restructurings, investments and refinancings and capital markets transactions, as well as a range of general commercial matters including partnerships of various types. Nick has brought this combined expertise to previous in-house counsel roles for several Jersey fiduciary services businesses, advising on trust, company and commercial matters. He has been involved in complex and high-value structures for private and corporate clients including those involving trading companies, real estate, and music and other intellectual property.in addition, Nick has a niche expertise in media and sports law matters having acted for numerous sportspersons, Premier League and Championship football clubs, motorsport teams and other sporting organisations. He has used this expertise in advising service providers involved in this area of work.

8 SPEAKERS JOHN RICHES Co-Chair STEP Public Policy Committee ALEXA SAUNDERS Partner, Carey Olsen John Riches is Co-Chair STEP Public Policy Committee and a former Deputy Chairman of the Society. John works with family offices on a cross-border basis and deals with structuring for UK residents and resident non-domiciled families. He is recognised as a thought leader in the area of family governance and has written and spoken extensively on this topic. John s role as an advisor to international families was also recognised in September 2011 when he was awarded the title of Trusted Advisor of the Year at the STEP Private Client Awards. John founded RMW law in July 2011 with Samantha Morgan. RMW law is a niche legal practice dedicated to working for a limited range of international families and family offices. John remains a consultant at Withers LLP, where he was a partner from Alexa is a partner in the Trusts & Private Wealth group and has a broad trust noncontentious and semi-contentious trust practice. She regularly advises in connection with private family trusts, employee benefit trusts and pension trusts, including on the establishment of new trust structures, drafting trust and ancillary instruments and advising trustees in connection with the ongoing administration of trusts. Alexa has also dealt with numerous applications to the Royal Court of Jersey acting for trustees, beneficiaries and protectors in all types of trust proceedings, including applications by trustees for directions from the Royal Court in the context of beneficiaries who are involved in divorce proceedings before foreign courts, applications for the setting aside of transactions on the ground of mistake or for the rectification of trust instruments and ancillary documents. Alexa qualified as a Jersey Advocate in 2009 and as an English solicitor in 2005 (currently non-practising). Prior to joining Carey Olsen in January 2011, Alexa was a senior associate in the trusts group of another law firm in Jersey. She became a partner at Carey Olsen in GARY STEWART Managing Director, Jersey Professional Services Division, C5 Alliance Gary is Managing Director of the Jersey Professional Services Division of C5 Alliance. He was previously Head of the C5 Business Intelligence Team. Gary is a qualified ACCA accountant and has spent over 17 years working in IT and the offshore finance industry. Initially starting his career as a Software Developer, he has held roles as a Business Analyst, Project Manager and Auditor and has experience of working for large global banks, one of the big four accountancy firms and a legal administration company. Prior to working for C5 Alliance, Gary worked on a variety of projects including extracting data from legacy systems for portfolio valuation, creating client profitability solutions and analysing and mapping business processes for a finance department. This background in working on projects requiring focus, attention to detail and reporting means that Gary has been key in developing his team s skills in this area. Gary has delivered many significant projects for our clients, including FATCA regulatory reporting for large global banks and internet and MI platform migrations. He has experience across the complete project lifecycle, from business analysis through to designing and building the solution and ensuring successful delivery.

9 SPEAKERS ROBIN VOS Solicitor, Macfarlanes/Chair, STEP UK Technical Committee Robin gives tax, trust and estate planning advice to UK and overseas individuals. He has experience of setting up and reorganising family office structures and drafting family constitutions. Much of his work has an international element. He specialises in the creation of cross-border international asset-holding vehicles, often working with overseas professionals, to design structures which will meet conflicting objectives of a number of jurisdictions. In the UK, he frequently advises entrepreneurs and senior executives. Robin s work also involves giving advice to trustees (both in the UK and elsewhere) in relation to their duties and responsibilities and assisting financial institutions in assessing and developing financial products.

10 CHAIR (MORNING) NAOMI RIVE Director, Highvern Trustees/Chair, STEP Jersey CHAIR (AFTERNOON) Naomi is a Group Director and Head of Family Office at independent private client business, Highvern. A lawyer by training and formerly a Partner in an offshore law firm, Naomi leads Highvern s Family Office proposition which focuses on supporting families with a wide variety of wealth planning requirements and developing multi-generational client relationships. Naomi works closely with clients and their legal, tax and investment advisers to ensure the establishment and implementation of robust and sustainable wealth planning structures. Naomi has considerable experience of providing trustee services in connection with complex trust structures and sitting as a director on the boards of private trust companies. Naomi is a member of the board of directors of Highvern Trustees Limited, Chair to STEP in Jersey and sits on the Jersey Finance Trusts Law Working Party. HENRY WICKHAM Senior Associate, Bedell Cristin/Vice-Chair, STEP Jersey 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 the Vice-Chair of the Jersey Branch of STEP.

11 PANEL CHAIR TONY PITCHER Director, LGL TRUSTEES 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.

12 SPONSORS Carey Olsen is a leading offshore law firm advising financial institutions, corporations and private clients on the laws of the British Virgin Islands, Cayman Islands, Guernsey and Jersey from a network of eight international offices. We provide legal services in relation to all aspects of corporate and finance, trusts and private wealth, investment funds, insolvency, restructuring and dispute resolution. Carey Olsen has one of the largest trusts and private wealth practices in the Channel Islands along with well-established practices in the British Virgin Islands and Cayman Islands. We have the scale and experience to resource the most demanding and complex cases as well as the day-to-day instructions. We understand the longevity of trusts work, which is why we focus on building long-term connections with our clients and their other advisers. careyolsen.com

13 SPONSORS Savills is a global real estate services provider listed on the London Stock Exchange. Savills operates from over 700 owned and associate offices, employing more than 30,000 people in over 60 countries throughout the Americas, the UK, Europe, Asia Pacific, Africa and the Middle East, offering a broad range of specialist advisory, management and transactional services to clients all over the world. or

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 around 18.5 billion of funds under management and advice (as at 31 March 2017 ). Our business spans 11 offices in the UK, Ireland and Jersey, with locations in the City of London, Belfast, Birmingham, Bristol, Cheltenham, Dublin, Glasgow, Guildford, Salisbury, Southampton and St Helier 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 investment management and tax advice from our Jersey office, assisting high-net-worth individuals and businesses with international tax planning and effective financial structuring. The Jersey 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 offices. The team handles investment management as well as tax enquiries and investigations with UK and international issues, and is skilled in both civil and criminal investigations. *according to Accountancy Age 2016 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 Standard Chartered is a leading international banking group with around 84,000 employees and a 160- year history in some of the world s most dynamic markets. We bank the people and companies driving investment, trade and the creation of wealth across Asia, Africa and the Middle East. Standard Chartered PLC is listed on the London and Hong Kong Stock Exchanges as well as the Bombay and National Stock Exchanges in India. Our heritage and values are expressed in our brand promise, Here for good. Leveraging Standard Chartered s unrivalled presence in Asia, Africa and the Middle East, our Jersey-based Wealth Intermediaries team offers a range of products and services to Trust Companies, Asset Managers, Corporate Service Providers and Family Offices in Jersey, Guernsey, the Isle of Man and the UK. Our offering includes: Cash Management: A range of offshore banking services designed to simplify day-to-day transactions, secure competitive interest rates and give ready access to funds all supported by our e-banking platform, Straight2Bank. Lending: A number of financing options including mortgages, overdrafts and loans, which are secured against acceptable collateral. All have flexible lending terms and can be structured in most major currencies. Investments: Access to our investment platform and structured discretionary or advisory mandates. Our aim is to help preserve and maximise your client's wealth so all mandates are carefully designed around short, medium and long term financial objectives. Execution & Trading Services: Competitive FX, equities and fixed income capabilities with an extensive offering through our global footprint. Our Wealth Intermediaries team provides a unique dimension to support your clients with their wealth strategy, in the markets most relevant to them, through our expertise in Asia, Africa and the Middle East. For more information please visit or alternatively, please contact the Wealth Intermediaries Relationship Management team on +44 (0) to discuss how we can support your clients and their bespoke financial objectives.

16 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 150 partners and 900 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:

17 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 over 2,800 professionals across 43 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

18 BREAKFAST SPONSOR Microgen Financial Systems has been providing software to the global trust and corporate services administration market for over 30 years and has over 400 customers in 30 countries. Customers range small single office administrators to the very largest global multi-office providers. Microgen services its longestablished 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

19 EXHIBITION SPONSOR Title Research is one of the UK s leading specialists in people tracing and asset repatriation services. With over half a century of experience to call on, our team of specialists can assist you and your clients to mitigate the risks posed by the estate administration process. Our consultant genealogists can locate missing heirs, asset owners or missing persons across the world, while our asset repatriation experts sell and transfer overseas assets, shares and bank account funds on a daily basis. We work with thousands of legal and estate planning professionals each year, helping them to support their clients with fast, efficient and cost effective solutions.

20 Booking form and invoice for: STEP JERSEY 25th ANNUAL INTERNATIONAL CONFERENCE Thursday 2nd November 2017 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: Nameoffirm021117(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.