Credit Law Conference

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PRESENTING THE 27TH ANNUAL Credit Law Conference Exploring the future of finance 11 13 October 2017 Surfers Paradise Marriott Resort & Spa KEY THEMES INCLUDE: Pre-conference workshops, conducted by

1 PRESENTING THE 27TH ANNUAL Credit Law Conference Exploring the future of finance October 2017 Surfers Paradise Marriott Resort & Spa KEY THEMES INCLUDE: Pre-conference workshops, conducted by ASIC, FOS and CIO A range of high quality presentations covering: Responsible lending, home lending, P2P lending, security and accountability, culture, cryptocurrencies and the future of finance A range of excellent speakers from ASIC, CIO, FOS, ASBFEO, ABA, COBA, major law firms, Big 4 Banks, regional & community banks, RegTech ventures, credit unions and the recently formed BFO EARN CPD POINTS AT THIS EVENT, 1 HOUR = 1 POINT The Hon Michael McCormack MP, Minister for Credit and Small Business Michael Saadat, Senior Executive Leader Deposit Takers, Credit & Chris Green, Group Senior Manager - Credit, ASIC Michael Blyth, Senior Manager Deposit Takers, Credit & Philip Field, Lead Ombudsman, FOS Tim Gough, Deputy Ombudsman, CIO Ian Gilbert, Policy Director, ABA John Laker, previous Chair, APRA and Chair, Banking and Finance Oath Sally MacKenzie, Senior Policy Adviser, COBA Dr Craig Latham, Deputy Ombudsman, Small Business and Family Enterprise Ombudsman Service Elise Ivory, Partner, Dentons Jon Denovan, Partner, Dentons James Moore, Partner, HWL Ebsworth Katherine Forrest, Partner, King & Wood Mallesons Narelle Smythe, Partner, Clayton Utz Brad Husband, Partner, Corrs Chambers Westgarth Joshua Annese, Partner, Piper Alderman Mark Sneddon, Partner, Holly Nethercote Mark Shaw, Head of Compliance & Operational Risk, ANZ Jo Canavan, Executive Compliance, Banking and Wealth, Suncorp Rob Walsh, Partner, EY Jaime Lumsden-Kelly, Solicitor Director, The Fold Legal Rod Cameron, Partner, Hicksons Simun Soljo, Managing Associate, Allens Lisa Vanderwal, Special Counsel, Bird & Bird Lesley Burvill, Head of Risk, Community First Anthony Rivas, CEO, Collection House Sally Davis, CEO, Code Compliance and Monitoring Committee MAJOR SPONSOR GALA DINNER SPONSOR LUNCH SPONSOR NETWORKING DRINKS SPONSOR EXHIBITOR ENDORSED BY REGISTER NOW

PRE-CONFERENCE WORKSHOPS Wednesday 11 October 2017 9:30 WORKSHOP REGISTRATION Tea & Coffee 10:00 WORKSHOP 1 ASIC Michael Blyth, Senior Manager Deposit Takers, Credit & Insurers, ASIC Chris Green,

2 PRE-CONFERENCE WORKSHOPS Wednesday 11 October :30 WORKSHOP REGISTRATION Tea & Coffee 10:00 WORKSHOP 1 ASIC Michael Blyth, Senior Manager Deposit Takers, Credit & Insurers, ASIC Chris Green, Group Senior Manager - Credit, ASIC 11:30 Networking and refreshment break 12:00 WORKSHOP 2 FOS and CIO Philip Field, Lead Ombudsman, FOS Tim Gough, Deputy Ombudsman, CIO 13:30 Lunch and networking break for Workshop Attendees Credit Law Conference DAY 1 Wednesday 11 October :20 CONFERENCE REGISTRATION Tea & Coffee 14:50 Opening Remarks from the chair Elise Ivory, Partner, Dentons KEY UPDATES 15:00 KEYNOTE MINISTERIAL ADDRESS Key policy updates from the Minister for Credit and Small Business The Hon Michael McCormack MP, Minister for Credit and Small Business 15:20 REGULATOR UPDATE ASIC Michael Saadat, Senior Executive Leader Deposit Takers, Credit & 15:40 INDUSTRY UPDATE ABA update ABA response to Khoury Report on Code of Banking Practice Ian Gilbert, Policy Director, ABA 17:00 PANEL The future of credit: A regulatory perspective The perspective of regulators on the changing face of credit and finance Short-term expectations and long-term strategy Ramifications of key policy changes Michael Saadat, Senior Executive Leader Deposit Takers, Credit & Sally Mackenzie, Senior Policy Adviser, COBA Ian Gilbert, Policy Director, ABA Moderated by: Helen Gordon, CEO, AFIA 17:45 CLOSING Closing remarks from the Chair 17:50 WELCOME RECEPTION Networking drinks Sponsored by: 16:10 Networking and refreshment break 16:40 Anti-money laundering Regulatory update from the legislative body which brings Australia into line with international best practice to deter money laundering and terrorism financing. REGISTER NOW

3 Thursday 12 October 2017 DAY 2 8:50 OPENING Opening remarks from the Chair Helen Gordon, CEO, AFIA THE FUTURE OF FINANCE 9:00 PANEL Projections on the future of credit and lending in the wake of the digital revolution; A perspective from industry Industry perspective of what the future holds for banks, lenders and credit providers Disruptions occurring in the space Role and relationship of/with regulators Jo Canavan, Executive Compliance, Banking and Wealth, Suncorp Lesley Burvill, Head of Risk, Community First Angela Di Rago, General Counsel, Liberty Tommy Mermelshtayn, Chief Strategy Officer, Zip Money Mark Shaw, Head of Risk and Operational Risk, ANZ Moderated by: James Moore, Partner, HWL Ebsworth 9:45 The New Payments Platform (NPP) What the NPP is and how it works The legal framework that applies to the NPP Issues that may affect credit providers Joshua Annese, Partner, Piper Alderman 10:05 PANEL Regtech: Providing versatility, innovation and disruption to credit Examples of regtech successes How can cognitive processes, robotic processes, blockchain, etc provide solutions? What does the future hold for RegTech in Australia and globally? Regtech as more than just compliance; using this innovation as an educational tool Anthony Rivas, CEO, Collection House Matt Symons, Co-Founder, Red Marker Anthony Quinn, Co-Founder & CEO, Arctic Intelligence Julian Fenwick, CEO, GRC Solutions Moderated by: Michael Anastas, Partner, HWL Ebsworth 10:45 Networking and refreshment break 11:10 The future of credit advertising Current regulations and obligations around credit advertising and changes in the future Ethics behind credit advertising What does the future hold for those wishing to advertise credit? Katherine Forrest, Partner, King & Wood Mallesons 11:35 The changing regulatory landscape where we ve come grom and where we are headed Jon Denovan, Partner, Dentons 12:00 Start-up culture A spotlight on non-traditional lenders and how they have taken to the realm of credit and lending, providing strong competition to the Big Banks and vendors. Mandeep Sodhi, CEO, Hash Ching 12:30 Lunch and networking break 13:30 FIRESIDE CHAT Blockchain and cryptocurrencies in the age of instability Widespread politico-economic instability and is effect on the financial markets Updates on regulatory change around cryptocurrencies Strategy and progress since SEC ruling Nick Giuretto, CEO & Managing Director, Australian Digital Currency & Commerce Association Sam Lee, CEO, Blockchain Global RESPONSIBLE LENDING 14:00 PANEL Responsible lending Assessing the changing landscape in 2017 Defining what we mean when discussing best practice Identifying exemplars of best practice in today s market Looking to the future - where is responsible lending & borrowing heading? John Brady, Solicitor Proporieter, JFB Solicitors Ofir Kranz, Head of Compliance and Operational Risk, Latitude Financial Services Catherine Uhr, Senior Solicitor, Legal Aid Queensland Ruth Neal, Partner, Dentons Moderated by: Dr Paul O Shea, Principal Solicitor, O Shea Lawyers 14:40 OMBUDSMANS ADDRESS Not unsuitable outcomes to unsuitable lending In the event that the responsible lending obligations have not been met, what is the appropriate amount of compensation? How does the Ombudsman access compensation? Should the loss be apportioned? Philip Field, Lead Ombudsman, FOS Tim Gough, Deputy Ombudsman, CIO 15:05 Development in the regulation of small business lending Oversight of industry s response to the changes Recommendations under the Khoury Report relevant to small business lending Recommendations under the Small Business Loans Inquiry Report The Commitment of the Big 4 banks announced by ASIC in May 2017 James Moore, Partner, HWL Ebsworth Keep updated on exclusive speaker interviews and other specialist content pieces at Informa Insights

Thursday 12 October 2017 DAY 2 15:30 Network and refreshment break HOME LENDING 16:00 Mortgage broker remuneration Conflicted remuneration now applies to most financial products, with life insurance

Jaime Lumsden-Kelly, Solicitor Director, The Fold Legal 16:20 PANEL 19:00 GALA DINNER Enjoy another excellent opportunity to network with your peers and enjoy a delicious culinary experience at the

4 Thursday 12 October 2017 DAY 2 15:30 Network and refreshment break HOME LENDING 16:00 Mortgage broker remuneration Conflicted remuneration now applies to most financial products, with life insurance the latest product to incur more stringent regulation. Are mortgage brokers next? Jaime Lumsden-Kelly, Solicitor Director, The Fold Legal 16:20 PANEL 19:00 GALA DINNER Enjoy another excellent opportunity to network with your peers and enjoy a delicious culinary experience at the Credit Law Conference s Gala Dinner. Following the second day of the event, enjoy great food, drinks and music in the setting of the Marriott Resort. This dinner has become a key addition to the conference agenda and always proves a brilliant evening one that is certainly not to be missed. Sponsored by: Housing Crisis? Bubble? Or stable industry with long-term strategy and growth? Increasing deposit amounts being required and this effect on lenders Housing debt vs household incomes are certain areas unattainable to 99% of the population? What does this mean for the industry? Is the current market growth unsustainable? Are we too cautious in the wake of the housing crisis in 2008? Do we crave economic stability too much? Mandeep Sodhi, CEO, Hash Ching Brad Husband, Partner, Corrs Chambers Westgarth 17:00 CLOSING Closing remarks from the Chair 17:10 End of Day 2 SPONSORSHIP AND EXHIBITION OPPORTUNITIES MAJOR SPONSOR Excellent opportunities exist to showcase your organisation. For further information, please contact: Andrew Sinkovich P hone: Andrew.Sinkovich@informa.com.au GALA DINNER SPONSOR LUNCH SPONSOR NETWORKING DRINKS SPONSOR EXHIBITOR ENDORSED BY REGISTER NOW

5 Friday 13 October 2017 DAY 3 8:50 OPENING Opening remarks from the Chair P2P Amber Warren, Partner, Dentons 9:00 Is P2P really peer-to-peer? A discussion on the different sources of funding for peer-to-peer lenders and the relationship between P2P lenders and the Big Banks, touching on the progress and future of this emerging industry. Simun Soljo, Partner, Allens 9:30 DEBATE CULTURE P2P lending and its implications for SMEs and SME lenders Should Big Banks be scared or is does P2P actually represent a positive diversification of the industry? Are P2P companies actually viable? What does the evidence say? Alex Molloy, CEO and Co-Founder, Valiant Finance Sunil Aranha, CEO, ThinCats 10:00 The Banking and Finance Oath A discussion on the newly established BFO and how it plans to increase accountability and ethical behaviour in the banking and finance industry, through their adoptive charter and ethos. 12:15 Data breach notifications; A how-to approach Looking at data breach notifications, their importance as mitigation strategies and forming trust and transparency with the consumer. Lisa Vanderwal, Special Counsel, Bird & Bird 12:45 How do you approach an issue like Open-Data? The effect of open-data legislation on British banks Privacy and security Comparisons, contrasts and lessons to be learnt in Australia Narelle Smythe, Partner, Clayton Utz Rob Walsh, Partner, EY FACE-TO-FACE 13:15 Face-to-face with ASIC Join Michael Saadat and his colleagues as they offer their insights from the conference and answer your final pressing questions. Michael Saadat, Senior Executive Leader - Deposit Takers, Credit & 13:40 End of Conference Lunch John Laker, previous Chair, APRA and Chair, Banking and Finance Oath SECURITY AND ACCOUNTABILITY 10:30 Enforcement updates Rod Cameron, Partner, Hicksons 11:00 Network and refreshment break 11:30 PANEL Unfair contracts How to avoid a worst case scenario Discussing the changes in consumer risks and industry transformation of non-bank lenders Adequately verifying consumer expenses The unmet need addressing anxiety around the lack of concrete answers to compliance questions When and how to analyse spending patterns from bank statements Acknowledging maladministration in lending and responsible lending relevant case law analysed Code of Banking Practice Report How will it be implemented? Sally Davis, CEO, Code Compliance and Monitoring Committee Bradley Lynch, Lawyer - Financial Services, Credit, Privacy and Commercial Litigation, Credit Unions Australia Katherine Forrest, Partner, King & Wood Mallesons Dr Craig Latham, Deputy Ombudsman, ASBFEO VENUE DETAILS Surfers Paradise Marriott Resort & Spa 158 Ferny Ave, Surfers Paradise QLD 4217 Phone: (07) , Mark Sneddon, Partner, Holly Nethercote Keep updated on exclusive speaker interviews and other specialist content pieces at Informa Insights

11 13 October 2017 Surfers Paradise Marriott Resort & Spa Easy Ways to Register Web www.informa.com.

6 11 13 October 2017 Surfers Paradise Marriott Resort & Spa Easy Ways to Register Web Telephone +61 (0) Quoting P17K12 Quoting P17K12 Stay Connected in Creditlaw17 Pricing Details Register Early & Save Early Bird Rate Book & pay until 31 July 2017 Standard Rate Book & pay from 1 August 2017 Standard Rate PRICE GST TOTAL SAVE PRICE GST TOTAL Two and half day conference $2,695 $ $2, $400 $3,095 $ $3, Two and half day conference plus half day workshops $3,195 $ $3, $400 $3,595 $ $3, Consumer Advocates/ Legal Aid Two and half day conference $2,195 $ $2, $400 $2,595 $ $2, Two and half day conference plus half day workshops $2,595 $ $2, $400 $2,995 $ $3, For full terms and conditions, please visit: POSTAGE If undeliverable return to: PO BOX Q1439, SYDNEY NSW 1230 PAID AUSTRALIA

PRE-CONFERENCE WORKSHOPS Wednesday 5 th September CONFERENCE DAY ONE Wednesday 5 th September 2018

PRE-CONFERENCE WORKSHOPS Wednesday 5 th September 2018 09:30 WORKSHOP REGISTRATION Tea & Coffee 10:00 WORKSHOP 1 ASIC Chris Green, Group Senior Manager - Credit, ASIC Richard McMahon, Senior Manager Deposit