23rd ANNUAL INTERNATIONAL CONFERENCE

Transcription

1 EVENT PROGRAMME 23rd ANNUAL INTERNATIONAL CONFERENCE Thursday 5th November 2015 The management of digital assets and the security issues surrounding them is becoming an increasingly important part of the work of wealth management professionals. Part of this year s Annual Conference will therefore have a digital focus and we are delighted that some eminent speakers in this area are able to join us. The Conference, the Branch s 23rd, will also cover a selection of more traditional topics and we are delighted to announce that the keynote address will be delivered by Treasury and Resources Minister Senator Alan Maclean. TOPICS How you might protect an asset or trademark Ownership and devolution of digital assets Gaming in Jersey Trust Law round-up Regulatory update Not set in stone: Varying the foreign settlor s trust How to structure Jersey solutions that have Israeli residents. Is Israel the next Silicon Valley? The changing face of cyber threat: Why you should be concerned (Panel session) STEP JERSEY IS SPONSORED BY: DETAILS VENUE: Pomme d Or Hotel CONTACT: T: F: E: step@stepjersey.org COST STEP MEMBERS: 175 STEP STUDENTS: 75 NON-MEMBERS: 240 (including carvery lunch ) CPD 8 hours SPEAKERS Heyrick Bond-Gunning (Salamanca) Andrew De La Rosa (ICT Chambers) John Everett (JFSC) Becky Hill (HR Now) Matt Hives (One Stop IP) Andy Jarrett (Digital Jersey) Jason Lane (Jersey Gambling Commission) Senator Alan Maclean (States of Jersey) Jackie Maguire (Coller IP) Andrew Shaw (Smith & Williamson) Shân Warnock Smith, QC, (5 Stone Buildings/ICT Chambers) CONFERENCE BREAKFAST SPONSORED BY: CONFERENCE LUNCH SPONSORED BY: SPEAKERS DINNER SPONSORED BY:

2 23rd ANNUAL INTERNATIONAL CONFERENCE PROGRAMME (MORNING) Registration and breakfast sponsored by Welcome from the Chair of STEP Jersey Lorraine Wheeler (First Names Group) Keynote Address Senator Alan Maclean, Treasury & Resources Minister, States of Jersey How you might protect an asset or trademark/issues with digital assets Jackie Maguire, Coller IP Ownership and devolution of digital assets Andrew Shaw (Smith & Williamson) Gaming in Jersey Jason Lane (Jersey Gambling Commission) Refreshments Trust Law round-up Shân Warnock Smith, QC (ICT Chambers/5 Stone Buildings) Regulatory Update John Everett (Jersey Financial Services Commission) Morning closing comments Lunch in the Harbour Room To include an address from a representative from 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 23rd ANNUAL INTERNATIONAL CONFERENCE PROGRAMME (AFTERNOON) Welcome from the Deputy Chair of STEP Jersey Naomi Rive (Coutts) Not set in stone: varying the foreign settlor s trust Andrew De La Rosa (ICT Chambers) How to structure Jersey solutions for structures that have Israeli residents. Is Israel the next Silicon Valley? Inbal Faibish (Inbal Faibish Wassmer) Refreshments Panel Session The changing face of cyber threat: why you should be concerned Cyber security; personal security, threats, social media Heyrick Bond-Gunning (Salamanca Group) HR employment issues; risk/governance Becky Hill (HR Matters) The evolution of attacks; social engineering; the digital future - opportunity and threat Andy Jarrett (Digital Jersey) Intellectual Property: Should a business or trust have a plan? Matthew Hives (One Stop IP) Followed by panel discussion/q&a Closing comments Close

4 KEYNOTE SPEAKER Senator Alan Maclean SPEAKERS Heyrick Bond-Gunning is the Group Managing Director of Salamanca. He is responsible for the development and strengthening of existing client relations across all divisions and business units of Salamanca Group. He was responsible for the establishment of the Cyber Security business within Salamanca. Prior to joining Salamanca Group in 2006, he was the Managing Director of Security Consulting at Kroll, where he was also Head of Kidnap for Ransom. He previously consulted to DHL for a year in Iraq, flying into the country the day the second Gulf War ended and setting up a business with annual revenues in excess of $70m. In 2000, he was the head of client engagement at Mergermarket, a financial services information provider, servicing clients in EMEA and USA, before which he served in the British Army. Heyrick has an Honours Degree from the University of Manchester, specialising in Anatolian Archaeology, is an Alumni of INSEAD Business School and in 2004 his first book Baghdad Business School was published. Andrew De La Rosa is a practising English barrister and Cayman Islands attorney. His experience as an advocate and advisor is international. He acts as independent counsel in the trust, inheritance, collective investment and corporate governance spheres and has been engaged as counsel in several of the largest international trust and succession structuring exercises and litigation of recent years. Andrew has long been recognised as one of the leading specialists in his fields of practice. Professional clients have described him as awesome and absolutely compelling, a great advocate and terrific strategist and charming and easygoing but with a deadly eye and known to get results. In addition to his practice, Andrew has frequently written and spoken on issues relating to trust and inheritance planning and the global financial services industry. He has been a visiting professor at the Luxembourg School of Finance and has chaired professional conferences in both the established and emerging International Financial Centres.

5 SPEAKERS John Everett was appointed Director of Funds & Fiduciary at the Jersey Financial Services Commission in May In that role he is responsible for the authorisation and supervision of trust company and fund service businesses, as well as being a member of the Commission s Executive Board. Prior to that John worked for the Financial Services Authority/Financial Conduct Authority for almost twelve years, in a variety of posts, including managing the FSA s Investment Funds team. He represented the UK regulator in a number of EU and international fora, including IOSCO s and ESMA s investment management committees. With HM Treasury, he negotiated a number of funds related EU Directives/ Regulations for the UK. John also worked as a consultant for a year at Bovill, advising clients on implementation of the Alternative Investment Fund Managers Directive and other regulatory developments. Becky Hill is a Director at HR Now. Prior to that she held senior HR management roles for over twenty years both in the UK and Channel Islands across various industries and jurisdictions, managing all the day-to-day and complex disciplines of people management and development. Strong mediation, problem solving, training, facilitation and interpersonal skills are evident. Becky is a Fellow of the CIPD and a CEDR accredited mediator. Matthew Hives like his father and grandfather began his career as an engineer but unlike them did not build boats or engines for Spitfires but started as a sponsored apprentice working for GEC ALSTHOM. Matthew has a BEng from Newcastle University and a MSc from Aberdeen University. After ten years at GEC ALSTHOM he moved into the world of Intellectual Property (IP) to work for CPA GLOBAL. Now he has an opportunity to combine his Engineering and IP skills as Business Development Director of One Stop IP. One Stop IP is the first One Stop solution for a small business or inventor to manage all their Intellectual Property in one place through an online portal. One Stop IP is committed to making Intellectual Property accessible and affordable for a start-up business. matthew@onestopip.com Andy Jarrett is a Director at Digital Jersey, the aim of which is to establish Jersey as a leading centre for technology innovation. Andy started his career as an electronic engineer whilst studying for an honours degree at Manchester University. He worked on a range of technology for Ferranti, from missile guidance systems to motorway traffic control systems. After Ferranti, he moved into a customer-facing position with European maintenance company, Servicetec, designing third-party support programs for European companies and Far Eastern companies looking to move into Europe. In 2001, he co-founded Foreshore, with the aim to become the leading ecommerce provider in the offshore international market sector. Andy has also worked at Computer Patent Annuities, the world s largest patent renewal company, to develop a growth strategy for European business, where he implemented a strategic alliance programme across Europe.

6 SPEAKERS Jason Lane joined the Jersey civil service in 1999 as part of the strategic and business planning team in the Chief Minister s Department. In 2001 he moved departments to become Gambling Controller. As part of governmental reforms in 2003 gambling became part of the newly formed Economic Development Department and Jason took responsibility for most regulatory functions as Director of Regulatory Services. Jason left the civil service and became Chief Executive of the Jersey Gambling Commission on its inception in He has degrees in Politics, International Studies and a PhD in Policing. He is Chairman of the Gaming Regulators European Forum (GREF) for , an active participant in the IAGR e-gaming working group and a member of the International Masters of Gaming Law. In 2014 Jason was appointed by the Minister for Home Affairs as a founding Board Member of the Jersey Police Authority, where he has responsibility oversight for business management, performance management, workforce management and succession planning within the States of Jersey Police. Jackie Maguire is the founder and Chief Executive Officer of Coller IP, which provides a full range of technical, legal and commercial services to help businesses to manage and drive innovation, establish commercial IP management, choose the appropriate business model, and then value and monetise their assets. Jackie has developed and leads the strategy practice within Coller IP and has just been voted into the Intellectual Asset Management (IAM) top 300 Global IP Strategists for the seventh year running. She uses her director-level experience in operations, marketing and business development, together with over 25 years technology transfer, commercialisation and consultancy experience, to advise clients on how to realise value from their investments and other intangible assets and how to mitigate IP risks. Jackie works with a range of board room clients from start-up to multinational organisations. Jackie is a physicist and chartered engineer by background. She has taken new services to market, launched businesses and been responsible for the design and management of several multimillion-pound collaborative government-industry technology transfer programmes. She has directed IP infringement reviews relating to large scale infrastructural projects and has legal knowledge and commercial expertise relating to prosecution and infringement of the various forms of intellectual property rights. She is familiar with both the commercial pressures of industry and the requirements of Government departments/procurement. She has recently consulted for multinational companies on sites in Japan, USA, Sri Lanka and UK, led a programme with master classes for SMEs in the Highlands and Islands, presented at International Business Congresses in Chicago, Boston, San Francisco and Portugal, and presented masterclasses and workshops for the World Intellectual Property Office CASS Business School and Growth Accelerator programmes. Andrew Shaw is a Partner of Smith & Williamson. He trained and qualified as a Chartered Accountant with Price Waterhouse, then moved to Ernst & Young, where he qualified as a Chartered Tax Adviser. After thirteen years, predominantly in international tax, both for private clients and corporates, Andrew left in 1992 to establish Shaws and became National Tax Managing Partner of BTG Tax when Shaws were acquired by Begbies Traynor Group Plc in January BTG Tax (part of Begbies Traynor Group) was acquired by Smith & Williamson in November Andrew specialises in advising high net worth individuals on International tax planning and on structuring their finances in a tax efficient manner. He delivers value for money solutions to clients, presenting commercially sensible ideas that can be put in place easily. Andrew now has over 25 years tax experience and regularly negotiates settlements with HMRC. He acted on behalf of the taxpayers whose appeal was upheld in the well-known case of Jocelyn and Evelyn, concerning players' promotional agreements.

7 SPEAKERS As a referral barrister and Cayman attorney who acts on professional instructions Shân Warnock Smith QC is both an adviser and a litigator with an equal enthusiasm for both. She specialises in private and commercial trusts, succession and other private and commercial wealth issues often involving a number of different jurisdictions. Shân has a truly international practice which takes her around the world from her London base at 5 Stone Buildings, Lincolns Inn and her Cayman base at ICT Chambers and has been called to the bar of the Eastern Caribbean Supreme Court. She has a particular interest in wealth structuring and protection for international families from both the advisory and the litigation standpoints. Shân is at the forefront of developments in the private client field and has been involved in many of the major trust cases of recent years. Inbal Faibish Wassmer (LL.M., TEP) heads the Zurich offices of the firm Rosenberg Abramovich Keren-Polak & Co., Advocates (ROSAK), an international boutique law firm, with offices in Tel Aviv, Haifa and Zurich. She advises individuals and corporations in international taxation, insurance, trusts, wealth planning and international commercial law matters. Inbal is an advocate admitted to the Israel Bar. She obtained both a law degree and a Bachelor in Economics from the University of Haifa. She has a Master in Law and Economics from the Erasmus Mundus Program in Law and Economics (University of Bologna, Italy and University Paul Cézannes, Aix-Marseilles III, France) and LL.M. from the University of Haifa. She specializes in international taxation, trusts, estates, wealth planning, insurance, financial regulations and commercial law. Inbal presents regularly on various taxation, estate and wealth planning topics in professional forums, and participated in various publications on Israeli tax and commercial issues. Inbal is a board member of the Switzerland-Israel Chamber of Commerce.

8 CHAIR (MORNING) 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 the Society of Trust and Estate practitioners 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. CHAIR (AFTERNOON) 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.

9 SPONSORS High net worth individuals today face complex financial decisions from selling a business to planning and protecting an enduring legacy. Responding effectively to these needs demands far more than a commoditised solution. It requires a firm with sufficient breadth and calibre of talent and capabilities in managing the complexity of issues across different jurisdictions but small enough to provide a highly personalised service. We believe this is the raison d'être of Azure Wealth. Our clients come to us because we listen to their specific needs and provide a solution not a product. Our clients aim is first to preserve and protect the wealth generated over a lifetime of hard work and then grow it steadily for future generations. At Azure Wealth, we work closely with our clients trusted advisors across a spectrum of expertise such as tax and estate planning. Azure Wealth s diverse team of advisers and investment professionals have led some of the most respected private banks globally. It is our understanding of the requirements of private investors today that brought us together to create Azure Wealth. For non-domiciled and international clients, there is great comfort in knowing that Azure Wealth advisors are intimately familiar with the world beyond their borders. We have a genuine appreciation for the needs of global wealth because Azure Wealth is itself a blend of many cultures. A genuine wealth manager will generate original ideas. No two clients approach investing in the same way. Azure Wealth is an entrepreneurial firm with a reputation for understanding both the needs and mind-set of clients who have created wealth. Our performance goals are a function of our clients risk appetite, not market indices. Like other managers, we adhere to the principle of diversification but this isn t enough to provide absolute returns. Years of experience have taught us that it is often preferable to take profits and lockin performance, not to hope that by retaining enough investments we can spread risk and stem losses. Performance over time is the measure of a wealth manager. Azure Wealth's performance standards are exacting, a result of a core belief in discipline gained through vast experience of different assets and market conditions around the globe. But performance is more than just an investment concept; it applies to all aspects of service as well.

10 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 Succession Planning and Trusts, Jersey Euromoney Private Banking Survey, 2015 Trust Company of the Year, Jersey Citywealth IFC Awards, 2015 Tel: rbcwminternational@rbc.com

11 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

12 SPONSORS Salamanca Group integrates traditional Merchant Banking practices and values with sophisticated Operational Risk expertise, providing a new approach to business. The Group s track record of enabling business, protecting assets and growing capital has led to it establishing enduring relationships with a broad client base including private individuals, corporates, institutions and governments. Recognising the risks inherent in today s world, Salamanca Group develops services that help reveal opportunities and manage risks proactively. It delivers these services through the following divisions: Investment & Advisory, Corporate Risk Services, Business Intelligence & Investigations and Private Office. Specifically, the Private Office enables individuals and families to manage their increasingly complex needs and ever-busier lives. We are set apart from other firms due to our ability to offer access to the wider capabilities of the Group including corporate advice and direct investment opportunities to business intelligence. As part of the Private Office offering, the Property Management team manage a full range of property services, ensuring the highest level of professionalism and attention to detail. Working closely with owners, trustees and agents, they provide a range of bespoke services including: Acquisitions, Sales, Property Management, and Insurance services. The Property Management capability spans from the management of commercially let properties in the UK to specialist bespoke property management plans for high value assets in the UK and internationally, working closely alongside the Private Office teams in Security, Lifestyle Management and Education Advisory to provide a unique offering. The Property team have access to the in-house Business Intelligence & Investigations team, providing timely and reliable pre-transactional due diligence and compliance services. With offices established in Accra, Athens, Barcelona, Bucharest, Cape Town, Copenhagen, Geneva, Houston, Limassol, London, Lubumbashi, Madrid, Mauritius, Natal, Rio de Janeiro, St Helier, Tripoli and Warsaw; as well as a network in Dubai, Karachi and Sana a, Salamanca Group has an established global network.

13 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

14 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 120 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 how we can help you and your clients please contact James Quarmby, head of Private Wealth, on james.quarmby@shlegal.com or his assistant Chris Hards on chris.hards@shlegal.com

15 SPONSORS TMF Group is a leading global provider of high value business services to clients operating and investing globally. We operate in more than 120 offices in over 80 countries across the Americas, Asia Pacific, Europe, the Middle East and Africa and employ over 5,000 staff. We focus on providing specialised and business-critical financial and administrative services that support our clients in the operation of their corporate structures, finance vehicles and investment funds in different geographical locations. The TMF office in Jersey, with 70 staff, specialises in administering trusts and companies. Our international client base is diversified and includes family offices, HNWIs and corporations. As an independent business we are free to work with banks and advisors without creating conflicts of interest in corporate governance or local regulatory restrictions. We have the ability to source the best service providers for the structures which we administer.by working with TMF Group, not only do you have access to our years of experience and our network of 120 offices worldwide but you also benefit from our unrivalled local knowledge.

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. As part of the Vistra Group, we employ over 1,300 professionals across 35 countries throughout the Americas, Pan Asia Pacific, 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.

17 BREAKFAST SPONSOR Microgen has been providing software to the global trust and corporate services administration market for over 30 years and has customers in 27 jurisdictions. 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 six modules covering trust and corporate service providers primary business functions: Entity Management Accounting Investments Time and expenses Billing 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 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 SPEAKERS DINNER SPONSOR 1788 Capital Trust is a privately owned Swiss Wealth Management company, headquartered in Geneva and with a service office in London. Dedicated to very affluent individuals and families, it offers best-in-class Asset Management, Wealth Planning and Multi-family Office services worldwide through a dedicated in-house team of highly experienced and dedicated senior investment professionals. Our investment philosophy of capital preservation, absolute return strategy and open architecture, coupled with corporate values of Trust, Quality and Excellence, enable us to hold a distinctive position within the Swiss, EU and Global markets, and is achieved without any conflict of interests. Building on its team s experience, anchored in a long and distinguished tradition of banking, finance and wealth management, the company recognizes challenges of our time and embraces the imperative of innovating towards a more responsive business model that serves the client and fits a fast changing regulatory framework of the XXI century. The company enjoys best-in-class partner networks in fields including, taxation, fiduciary, charity, financing, art advisory and real estate and a thorough selection of best rated custodian banks in key locations Capital Trust S.A. 8, rue Jean-Gabriel Eynard CH-1205 Geneva Switzerland Telephone: +41 (0)

19 Booking form and invoice for: STEP JERSEY 23rd ANNUAL INTERNATIONAL CONFERENCE Thursday 5th November 2015 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: Nameoffirm051115(no spaces) 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.