Limited FREE
                                                                          PASSES* for
                                                                       Regional Operators,
                                                                         Banks & Credit
                                                                           Card Labels
                                                                        that Register until
    cala                                                                  August 9th !!!


    September 8 & 9, 2010
    Hilton Downtown Hotel , Miami - USA




    Featuring an
  African Operator
   Presenting its
 Successful Mobile
    Money Case                                   Con rmed Presence and Presentations
       Study!!!                                       from all the Mobile Money Chain:

                                                                       Operators
Discuss About All the Different Ways of Mobile                              Banks      $
Money Services – Payments, Remittances,
                                                         Credit Card Labels
Bankings – and the Main Issues for
Deployment and Growth in the CALA Region              Technology Providers

                        www.informagroup.com.br/mmoney

                   Sponsored by:                        Produced by:




                                   Media Partners:
Wednesday, September 8
8:30 am    Reception and Registration                                                 12:20 pm The Region’s Potential for the Growth of Mobile Remittances
                                                                                               • Why the CALA potential and how to develop it
9:00 am    Welcome Remarks from Informa Team/ Chairman                                         • Services already available and what is coming
                                                                                               Luiz Guilherme Roncato
                                                                                               Vice-president for Innovative Platforms
9:05 am    Overview of the Mobile Commerce Present Scenario in the                             MASTERCARD (awayting final confirmation)
           Region
           • Numbers in the world and for the region today                            12:50 pm Lunch & Networking
           • Why is the region taking so long to actually take off on Mobile
           Money Services?
                                                                                       2:20 pm How to Create a Global Standard for Mobile Money
           Mike Roberts
           Principal Analyst & Head of America                                                   Transfers?
           INFORMA TELECOMS & MEDIA                                                              • How do the already existing services work?
                                                                                                 • Implementing a Successful Cross Border Service
                                                                                                 • Existent regulations and regulatory frameworks
9:35 am    AFRICAN OPERATOR’S CASE STUDY!                                                        Thomas Janesbio
           Delivering an All Inclusive Mobile Money Service Using                          $     Country Director for Central American Region
                                                                                                 WESTERN UNION, VIGO + ORLANDI VALUTA
           the Mobile Channel – The MTN Nigeria Experience
           • The Nigerian market: demographics, life in rural and urban Nigeria,
                                                                                       2:50 pm How is HSBC Bank Brazil Integrating Every Electronic
           existing means of money transfer in the formal/ informal market and
           their success rate                                                                    Channel (IB, ATM, Phone) Using Mobile as the Sole
           • The opportunity and the challenges in mobile payments                               Access and the Integration with the New Mobile Banking
           • MTN Nigeria approach to Mobile Money and the results                                Channel
           • Regulatory challenges                                                               Arno Brandes
           • Current status and future plans                                               $     Head of Direct Channels
                                                                                                 HSBC BANK BRAZIL
           Abiodun Ogunlabi
           Program Manager
           MTN Nigeria                                                                 3:20 pm Networking Coffee Break

                                                                                       3:50 pm The Importance of the Regulatory Environment for the
10:20 am   Is There a Best Technology?
                                                                                                 Mobile Money Innovations to Actually Take Off in the
           • What communication channel to use? - SMS, USSD, WAP, 3G?
                                                                                                 Region
           • User interface? - Dynamic/Static SIM Toolkit, USSD Menu, Java
                                                                                                 • What do the regulations mean for your mobile money business?
           Cardlet, Midlet, Android, iPhone?
                                                                                                 • Financial regulations
           • Security? - User id/ password, One Time Password, Encryption,
                                                                                                 • How to talk to your regulators
           PKI?
           • Hosted versus in-house?                                                             Percival Jatobá
                                                                                                 Executive Products Director
           Speaker to be confirmed. For updated agenda, visit
                                                                                                 VISA
           www.informagroup.com.br/mmoney

                                                                                       4:20 pm DISCUSSION PANEL:
10:50 am   Networking Coffee Break
                                                                                                 How Can Mobile Money be Profitable for All Parts
                                                                                                 Involved?
11:20 am   Defining the Mobile Money Business Models for the                                      • Making profits from a low margin business
           CALA Region: Trends and Opportunities                                                 • Stimulating m-commerce
           • Suitable business and partnership models                                            • The most successful business models
           • What to do internally and what to outsource
                                                                                                 Abiodun Ogunlabi
           Javier Tiburzio                                                                       Program Manager
           Product Development Director                                                          MTN Nigeria
           FIRST DATA
                                                                                                 Thomas Janesbio

11:50 am   Mobility for Banco do Basil: A Historical - Projective
                                                                                           $     Country Director for Central American Region
                                                                                                 WESTERN UNION, VIGO + ORLANDI VALUTA
           Approach                                                                              Vincent Kadar
           Hideraldo Dwight                                                                      CEO
    $      Channels Director
           BANCO DO BRASIL
                                                                                                 TELEPIN

                                                                                       5:00 pm Closing of Conference Day 1




     = Operator
                    $ = Bank                  = Credit Card Company                = Technology Providers        INFORMATION & REGISTRATION:
Who Should Attend?
                     Thursday, September 9                                                                  By region:
                                                                                                        All Latin America, Central America & the
  9:00 am   Chairman Remarks for Conference Day 2                                                   Caribbean, or international companies looking
                                                                                                 into doing business with this region
  9:10 am   The Challenge and the Efforts to Bancarize the Mass
                                                                                           By company profile:
            Population in Latin America
                                                                                        Mobile operators, financial services – banks, credit cards,
            • The importance of mobile to help with bancarization
                                                                                      financial institutions in general - solution providers, regulators
            • World’s case studies
                                                                                     and consultancies looking into doing business in the region.
            • How are the projects happening and who is responsible for them
            Ricardo Medina Alvarez
      $     Operational Systems & Payments Director
            BANCO DE MEXICO (awayting final confirmation)
                                                                                  By function:
                                                                                 Board level – General Managers and CEOs – VPs, Chiefs, Heads,
                                                                                 Directors and Managers of Financial Services, Mobile Channel, VAS,
                                                                                  Marketing, Data Services, New Business, Business Development,
  9:40 am   Vivo’s Strategy and Case Studies for Financial Services
                                                                                    Application, Product, Operation, Strategic Planning, Technology,
            • Partnering
                                                                                      Research, Sales, Commercial.
            • Accessibility and mobilization
            • Emerging Business Models
            • Cases: Profit share, revenue share and new revenue streams
            generation partnerships                                               Sponsorship & Exhibition at the Mobile Money
            Maurício Romão                                                        CALA Forum 2010
            Product & Financial Services Director
            VIVO                                                                  Alongside the Mobile Money CALA Forum there will be the exhibition
                                                                                  where you can benefit from Informa’s proven record of high quality
 10:10 am   Mobile Banking Solutions: The Advantages for Banks to                 participants and take the opportunity to showcase your products and
            Go Beyond SMS                                                         promote your brand.
            • The SMS solutions that are already being used: the bank alerts      There are numerous unique and creative sponsorship opportunities
            • What are the new possibilities and what good can they bring for     for you to ensure that you achieve the maximum ROI from your
            the banks and the users?                                              association with Mobile Money CALA Forum 2010. Contact us to
            • Operators – What is their role on this?                             discuss your specific sponsorship objectives – sales, customer
                                                                                  relationships, market research, brand building, channel support or
            Hugo Diaz
      $     Electronic Banking Manager
            BANCO CHILE (awayting final confirmation)
                                                                                  media relations. We will tailor a package to meet your needs.
                                                                                  Meet, network and get your brand in front of the most senior level
                                                                                  decision makers from across Telecommunications Caribbean &
 10:50 am   Networking Coffee Break                                               Central and Latin American regions.
                                                                                  For more information, contact:
 11:10 am   The Different Mobile Money Technologies - Which is
                                                                                  Raquel Freitas, Sponsorship & Exhibition Account Manager
            Right for Your Business?
                                                                                  Tel: + 55 (11) 3017-6833 | raquel.freitas@ibcbrasil.com.br
            • Selection of services
            • Which channel to use?
            • Which level of security do you need?
            Speaker to be confirmed. For updated agenda, visit
            www.informagroup.com.br/mmoney


  11:40 am
 10:40 am DISCUSSION PANEL:
            Structuring Collaborative Partnerships Between Operators,
            Banks, PSPs and Service Providers
            • What role does each part play?
            • Operators, banks and PSPs: when are they partners and when are
            they competing?
            • How should the interaction be?
            Maurício Romão
            Product & Financial Services Director
            VIVO
                                                                                TO ENSURE AN EVEN GREATER NETWORKING OPPORTUNITY, THE MOBILE
            Luiz Guilherme Roncato
            Vice-president for Innovative Platforms                             MONEY CALA WILL BE CO-ALLOCATED WITH THE 2ND EDITION OF THE MOBILE
            MASTERCARD (TBC)                                                    ROAMING FORUM! (www.mobileroamingforum.com)
            Ricardo Medina Alvarez
      $     Operational Systems & Payments Director
            BANCO DE MEXICO (TBC)
                                                                                                               Discuss Roaming in a Strategic Way
                                                                                                               and Learn More about Best Practices
                                                                                                               on Roaming Business, Marketing and
                                                                                                               the Newest Technologies Available!
 12:20 pm   Closing Lunch & Networking


Phone: + 55 11 3017.6888 | e-mail: telecom@ibcbrasil.com.br | www.informagroup.com.br/mmoney
REGISTRATION FORM – MOBILE MONEY - CR0601610
                                                                                                                                                                                                                                                                                                            PAYMENT INFORMATION:
Name:                                                                                                                                                                        Job Title:
Departament:                                                                                      E-mail Address:                                                                                                                                                                  AMEX                   VISA                 MASTERCARD                        DINERS
Approving Manager:                                                                                                                                                           Job Title:
                                                                                                                                                                                                                                                                              Nº                                                                             Expiry date:
Company Name:
Nature of Company’s Business:                                                                                                                                                                                                                                                 Cardholder’s name:
CUIT:                                                                                                                                                                                                                                                                         Signature:
Business Address:
ZIP Code:                                                                                         City:                                                                      State:                                                                                                International Bank Transfer
Direct Phone: (                 )                                                                 Fax: (           )                                                         Mobile Phone: (                )                                                                 HSBC Bank USA – New York, NY Broadway, New York, NY
                                                                                                                                                                                                                                                                              10005-1180 - SWIFT: MRMDUS33
Contact name:                                                                                                                                                                Job Title:                                                                                       ABA: 021.001.088
                                                                                                                                                                                                                                                                              Account nr: 000.05342-2 - Account Holder: HSBC Bank Brasil S.A – Banco Multiplo
Number of Employes:                       01 - 99           100 - 199                  200 - 499                 500 - 999                     1000 - 1999                  2000 - 4999                    More than 5000                                                     On behalf of:
                                                                                                                                                                                                                                                                              IBC do Brasil Ltda
                                                                                                                                                                                                                                                                              Agency nr: 0478
   Yes, I would like to receive info on future events & services by all communication means.                                                                In case you don’t want to receive info, please send an e-mail to cadastro@ibcbrasil.com.br                        Account nr: 19753-39
                                                                                                                                                                                                                                                                              Swift code: BCBBBRPR
                                                                                                                  GENERAL CONDITIONS
                                                                                                                                                                                                                                                                                                             BILLING INFORMATION:
Date:
September 08-09, 2010                                                                                                                                                                                                                                                         Contact name:
                                                                                                                                                                                                     Special Operator Rates**                Special Operator Rates*
                                                                                                                               Early Bird Discount                      Full Price                                                                                            Job Title:
                                                                                                                                                                                                     Early Bird Discount – until                   Full price –
Venue:                                                                                                                        until August 9th, 2010             after August 9th, 2010
Hilton Miami Downtown
                                                                  Special Rates for Groups!                                                                                                               August 9th, 2010                     August 9th, 2010               E-mail:
1601 Biscayne Blvd                                                                                                                   Total Investment                  Total Investment                      Total Investment                      Total Investment           Phone:                                                                 Fax:
Miami, Florida, USA 33132
                                                                                                                                                                                                                                                                              Billing Address:
                                                              Mobile Money CALA Forum 2010                                           USD 1599,00                     USD 1799,00                                 FREE                            USD 599,00
The Informa Group plc, is presented in Brazil and                                                                                                                                                                                                                             City:
Latin America by the IBC and IIR brands. Planning
and Organization of the events in Brazil: IIR           * Discounts are not cumulative. Applicable only to anticipated inscriptions and payments. Delegates who not pay with their booking are requested to provide a copy of their credit card to help payment allocation.   State:                                                                 ZIP CODE:
Informa Seminários Ltda.                                Staff at the event will request a credit card guarantee for delegates without proof of payment.
                                                        ** To be elegible for the Operator Pass , you must be a company providing telecommunications services to an end consumer. Informa Group Latin America retains the right to not award the operator rate.
                                                                                                                                                                                                                                                                              The inscription will be confirmed after the Organization receives your registration form
                                                                                                                                                                                                                                                                              completely filled out, signed and stamped.
            A       B       C       D        E      F   G     H       I     J      K       L      M                                                                                                                                                                           CANCELATION AND SUBSTITUTION: Cancelation can be provided without charges 10 days
                                                                                                                                                                                                                                                                              beforethe event. After this date, a substitute is always welcome at no extra charge.
                                                                                                                                                                                                                                                                              Alternatively,we will make a prompt refund less service charge of US$ 300,00. Em todos
                                                                                                                                                                                                                                                                              os casos, solicitamos notify the Organization about any changes until 12pm from the day before
                                                                                                                                                                                              4 EASY WAYS TO REGISTER                                                         the event. We regret that no refunds can be made to registered delegates who do not cancel their
                                                                                                                                                                                                                                                                              participation as described above and do not attend the event. All notifications must be received in
                                                                                                                                                                                                                                                                              writing by fax, e-mail or letter described on this form.
                                                                                                                                                                                                                                                                              CHANGES IN THE PROGRAM: Our commitment is to provide delegates with the opportunity to
                                                                                                                                                                                                                                                                              discuss issues, topics and cases of interest presented by experienced speakers. Eventual changes in the
                                                                                                                                                                                           PHONE + 55 11 3017-6888                                                            program may be necessary for reasons beyond the organization’s control. Should a speaker be unable
                                                                                                                                                                                                                                                                              to make a scheduled presentation, we will do everything possible to replace the absent professional by
                                                                                                                                                                                                                                                                              another who is able to address the same topic. This effort, however, is not a guarantee that there will be
                                                                                                                                                                                                                                                                              a substitute speaker. By signing this document, I agree with the terms and conditions presented above.
                                                                                                                                                                                               FAX + 55 11 3017-6919
                                                                                                                                                                                   E-MAIL telecom@ibcbrasil.com.br
                                                                                                                                                                                                                                                                                                                            Place and Date
                                                            Please fill in your label
                                                                                                                                                                      WEBSITE www.informagroup.com.br/mmoney
                                    Code                                                               Located on the up right
                                                                                                       side of your mailing label.
                                                                                                                                                                                                                                                                                                                   Signature, Position and Company
                                                                                                                                                                                                                                                                                                                   Job Title:

Mobile Money Brochure

  • 1.
    Limited FREE PASSES* for Regional Operators, Banks & Credit Card Labels that Register until cala August 9th !!! September 8 & 9, 2010 Hilton Downtown Hotel , Miami - USA Featuring an African Operator Presenting its Successful Mobile Money Case Con rmed Presence and Presentations Study!!! from all the Mobile Money Chain: Operators Discuss About All the Different Ways of Mobile Banks $ Money Services – Payments, Remittances, Credit Card Labels Bankings – and the Main Issues for Deployment and Growth in the CALA Region Technology Providers www.informagroup.com.br/mmoney Sponsored by: Produced by: Media Partners:
  • 2.
    Wednesday, September 8 8:30am Reception and Registration 12:20 pm The Region’s Potential for the Growth of Mobile Remittances • Why the CALA potential and how to develop it 9:00 am Welcome Remarks from Informa Team/ Chairman • Services already available and what is coming Luiz Guilherme Roncato Vice-president for Innovative Platforms 9:05 am Overview of the Mobile Commerce Present Scenario in the MASTERCARD (awayting final confirmation) Region • Numbers in the world and for the region today 12:50 pm Lunch & Networking • Why is the region taking so long to actually take off on Mobile Money Services? 2:20 pm How to Create a Global Standard for Mobile Money Mike Roberts Principal Analyst & Head of America Transfers? INFORMA TELECOMS & MEDIA • How do the already existing services work? • Implementing a Successful Cross Border Service • Existent regulations and regulatory frameworks 9:35 am AFRICAN OPERATOR’S CASE STUDY! Thomas Janesbio Delivering an All Inclusive Mobile Money Service Using $ Country Director for Central American Region WESTERN UNION, VIGO + ORLANDI VALUTA the Mobile Channel – The MTN Nigeria Experience • The Nigerian market: demographics, life in rural and urban Nigeria, 2:50 pm How is HSBC Bank Brazil Integrating Every Electronic existing means of money transfer in the formal/ informal market and their success rate Channel (IB, ATM, Phone) Using Mobile as the Sole • The opportunity and the challenges in mobile payments Access and the Integration with the New Mobile Banking • MTN Nigeria approach to Mobile Money and the results Channel • Regulatory challenges Arno Brandes • Current status and future plans $ Head of Direct Channels HSBC BANK BRAZIL Abiodun Ogunlabi Program Manager MTN Nigeria 3:20 pm Networking Coffee Break 3:50 pm The Importance of the Regulatory Environment for the 10:20 am Is There a Best Technology? Mobile Money Innovations to Actually Take Off in the • What communication channel to use? - SMS, USSD, WAP, 3G? Region • User interface? - Dynamic/Static SIM Toolkit, USSD Menu, Java • What do the regulations mean for your mobile money business? Cardlet, Midlet, Android, iPhone? • Financial regulations • Security? - User id/ password, One Time Password, Encryption, • How to talk to your regulators PKI? • Hosted versus in-house? Percival Jatobá Executive Products Director Speaker to be confirmed. For updated agenda, visit VISA www.informagroup.com.br/mmoney 4:20 pm DISCUSSION PANEL: 10:50 am Networking Coffee Break How Can Mobile Money be Profitable for All Parts Involved? 11:20 am Defining the Mobile Money Business Models for the • Making profits from a low margin business CALA Region: Trends and Opportunities • Stimulating m-commerce • Suitable business and partnership models • The most successful business models • What to do internally and what to outsource Abiodun Ogunlabi Javier Tiburzio Program Manager Product Development Director MTN Nigeria FIRST DATA Thomas Janesbio 11:50 am Mobility for Banco do Basil: A Historical - Projective $ Country Director for Central American Region WESTERN UNION, VIGO + ORLANDI VALUTA Approach Vincent Kadar Hideraldo Dwight CEO $ Channels Director BANCO DO BRASIL TELEPIN 5:00 pm Closing of Conference Day 1 = Operator $ = Bank = Credit Card Company = Technology Providers INFORMATION & REGISTRATION:
  • 3.
    Who Should Attend? Thursday, September 9 By region: All Latin America, Central America & the 9:00 am Chairman Remarks for Conference Day 2 Caribbean, or international companies looking into doing business with this region 9:10 am The Challenge and the Efforts to Bancarize the Mass By company profile: Population in Latin America Mobile operators, financial services – banks, credit cards, • The importance of mobile to help with bancarization financial institutions in general - solution providers, regulators • World’s case studies and consultancies looking into doing business in the region. • How are the projects happening and who is responsible for them Ricardo Medina Alvarez $ Operational Systems & Payments Director BANCO DE MEXICO (awayting final confirmation) By function: Board level – General Managers and CEOs – VPs, Chiefs, Heads, Directors and Managers of Financial Services, Mobile Channel, VAS, Marketing, Data Services, New Business, Business Development, 9:40 am Vivo’s Strategy and Case Studies for Financial Services Application, Product, Operation, Strategic Planning, Technology, • Partnering Research, Sales, Commercial. • Accessibility and mobilization • Emerging Business Models • Cases: Profit share, revenue share and new revenue streams generation partnerships Sponsorship & Exhibition at the Mobile Money Maurício Romão CALA Forum 2010 Product & Financial Services Director VIVO Alongside the Mobile Money CALA Forum there will be the exhibition where you can benefit from Informa’s proven record of high quality 10:10 am Mobile Banking Solutions: The Advantages for Banks to participants and take the opportunity to showcase your products and Go Beyond SMS promote your brand. • The SMS solutions that are already being used: the bank alerts There are numerous unique and creative sponsorship opportunities • What are the new possibilities and what good can they bring for for you to ensure that you achieve the maximum ROI from your the banks and the users? association with Mobile Money CALA Forum 2010. Contact us to • Operators – What is their role on this? discuss your specific sponsorship objectives – sales, customer relationships, market research, brand building, channel support or Hugo Diaz $ Electronic Banking Manager BANCO CHILE (awayting final confirmation) media relations. We will tailor a package to meet your needs. Meet, network and get your brand in front of the most senior level decision makers from across Telecommunications Caribbean & 10:50 am Networking Coffee Break Central and Latin American regions. For more information, contact: 11:10 am The Different Mobile Money Technologies - Which is Raquel Freitas, Sponsorship & Exhibition Account Manager Right for Your Business? Tel: + 55 (11) 3017-6833 | raquel.freitas@ibcbrasil.com.br • Selection of services • Which channel to use? • Which level of security do you need? Speaker to be confirmed. For updated agenda, visit www.informagroup.com.br/mmoney 11:40 am 10:40 am DISCUSSION PANEL: Structuring Collaborative Partnerships Between Operators, Banks, PSPs and Service Providers • What role does each part play? • Operators, banks and PSPs: when are they partners and when are they competing? • How should the interaction be? Maurício Romão Product & Financial Services Director VIVO TO ENSURE AN EVEN GREATER NETWORKING OPPORTUNITY, THE MOBILE Luiz Guilherme Roncato Vice-president for Innovative Platforms MONEY CALA WILL BE CO-ALLOCATED WITH THE 2ND EDITION OF THE MOBILE MASTERCARD (TBC) ROAMING FORUM! (www.mobileroamingforum.com) Ricardo Medina Alvarez $ Operational Systems & Payments Director BANCO DE MEXICO (TBC) Discuss Roaming in a Strategic Way and Learn More about Best Practices on Roaming Business, Marketing and the Newest Technologies Available! 12:20 pm Closing Lunch & Networking Phone: + 55 11 3017.6888 | e-mail: telecom@ibcbrasil.com.br | www.informagroup.com.br/mmoney
  • 4.
    REGISTRATION FORM –MOBILE MONEY - CR0601610 PAYMENT INFORMATION: Name: Job Title: Departament: E-mail Address: AMEX VISA MASTERCARD DINERS Approving Manager: Job Title: Nº Expiry date: Company Name: Nature of Company’s Business: Cardholder’s name: CUIT: Signature: Business Address: ZIP Code: City: State: International Bank Transfer Direct Phone: ( ) Fax: ( ) Mobile Phone: ( ) HSBC Bank USA – New York, NY Broadway, New York, NY 10005-1180 - SWIFT: MRMDUS33 Contact name: Job Title: ABA: 021.001.088 Account nr: 000.05342-2 - Account Holder: HSBC Bank Brasil S.A – Banco Multiplo Number of Employes: 01 - 99 100 - 199 200 - 499 500 - 999 1000 - 1999 2000 - 4999 More than 5000 On behalf of: IBC do Brasil Ltda Agency nr: 0478 Yes, I would like to receive info on future events & services by all communication means. In case you don’t want to receive info, please send an e-mail to cadastro@ibcbrasil.com.br Account nr: 19753-39 Swift code: BCBBBRPR GENERAL CONDITIONS BILLING INFORMATION: Date: September 08-09, 2010 Contact name: Special Operator Rates** Special Operator Rates* Early Bird Discount Full Price Job Title: Early Bird Discount – until Full price – Venue: until August 9th, 2010 after August 9th, 2010 Hilton Miami Downtown Special Rates for Groups! August 9th, 2010 August 9th, 2010 E-mail: 1601 Biscayne Blvd Total Investment Total Investment Total Investment Total Investment Phone: Fax: Miami, Florida, USA 33132 Billing Address: Mobile Money CALA Forum 2010 USD 1599,00 USD 1799,00 FREE USD 599,00 The Informa Group plc, is presented in Brazil and City: Latin America by the IBC and IIR brands. Planning and Organization of the events in Brazil: IIR * Discounts are not cumulative. Applicable only to anticipated inscriptions and payments. Delegates who not pay with their booking are requested to provide a copy of their credit card to help payment allocation. State: ZIP CODE: Informa Seminários Ltda. Staff at the event will request a credit card guarantee for delegates without proof of payment. ** To be elegible for the Operator Pass , you must be a company providing telecommunications services to an end consumer. Informa Group Latin America retains the right to not award the operator rate. The inscription will be confirmed after the Organization receives your registration form completely filled out, signed and stamped. A B C D E F G H I J K L M CANCELATION AND SUBSTITUTION: Cancelation can be provided without charges 10 days beforethe event. After this date, a substitute is always welcome at no extra charge. Alternatively,we will make a prompt refund less service charge of US$ 300,00. Em todos os casos, solicitamos notify the Organization about any changes until 12pm from the day before 4 EASY WAYS TO REGISTER the event. We regret that no refunds can be made to registered delegates who do not cancel their participation as described above and do not attend the event. All notifications must be received in writing by fax, e-mail or letter described on this form. CHANGES IN THE PROGRAM: Our commitment is to provide delegates with the opportunity to discuss issues, topics and cases of interest presented by experienced speakers. Eventual changes in the PHONE + 55 11 3017-6888 program may be necessary for reasons beyond the organization’s control. Should a speaker be unable to make a scheduled presentation, we will do everything possible to replace the absent professional by another who is able to address the same topic. This effort, however, is not a guarantee that there will be a substitute speaker. By signing this document, I agree with the terms and conditions presented above. FAX + 55 11 3017-6919 E-MAIL telecom@ibcbrasil.com.br Place and Date Please fill in your label WEBSITE www.informagroup.com.br/mmoney Code Located on the up right side of your mailing label. Signature, Position and Company Job Title: