PAYMenTs CoMPlIAnCe - The Canadian Institute
Transcription
PAYMenTs CoMPlIAnCe - The Canadian Institute
May 27 & 28, 2014 • InterContinental Yorkville • Toronto yo u r M Solu ob tion i + M le Ch s for ore alle ng es The Canadian Institute’s 9 Annual Forum on th Payments Compliance Co-Chairs: David Florio Partner, Advisory Services Grant Thornton LLP Les Riedl Senior Managing Partner Bank Solutions Group, LLC Robust Compliance Strategies and Innovative Business Planning Methods in a Rapidly Evolving Marketplace Your one-stop, comprehensive event on Payments in Canada, featuring a new format! 3 Minimize legal and business risk through sessions focussed on the latest core compliance essentials 3 Develop a robust tool-kit by hearing case studies from industry experts for additional compliance solutions from leading stakeholders 3 Understand exactly how to plan your priorities with insight into new technology and trends to watch. EARN Hear directly from these leading stakeholders, and more: FCAC PayPal Canada HSBC Financial Rogers MasterCard Consumers Council of Canada Supporting Sponsor: Participate in the interactive Payment Innovations Intimate Roundtable CPD hours • Gain insight into industry leading initiatives • Learn from the experiences of key stakeholders • Hear growth strategies to help your organization remain competitive Attend the in-depth training session: E-Wallets Intensive: Getting Under the Hood of a Digital Wallet: Key Features and Risk Mitigation Solutions • Understand the technicalities of e-wallets from the perspective of compliance and legal professionals • Guidance to anticipate and guard against risk pitfalls Exhibitor: Digital Currency Growing Pains: Understanding Evolving Compliance Challenges and How to Adapt Complimentary Webshop for all Attendees Watch this online session in person, or from the convenience of your office or mobile device, to benefit from a snapshot of the key risk areas in digital currency, and trends to watch in the rapidly developing Bitcoin bankruptcies and class actions. Register Now • 1-877-927-7936 • www.CanadianInstitute.com/PaymentsCompliance @CI_FICompliance #CIPayments Remain Compliant and Stay Ahead of the Competition! Elevate and Innovate Your Payments Compliance Programs As developments in the industry evolve with news of emerging technologies developing at a rapid pace arriving almost daily, along with the regulators reviewing and revising regulatory obligations, the impact on industry stakeholders is massive. Now more than ever, ensure you have your compliance essentials, plus the cuttingedge insight into this industry from the key stakeholders and regulators to move your organization forward! The Canadian Institute’s 9th Annual Payments Compliance is designed for all stakeholders in the payment systems and card arena, plus new market entrants, to gain crucial strategies for: 3 Managing increased FCAC scrutiny 3Improving the security and privacy of payment card data 3 Developing practical solutions and guidelines to combat fraud in payment systems 3 Successfully incorporating the Code of Conduct into your compliance strategies 3Incorporating emerging payment solutions and new technology into compliance programs 3 Understanding the impact of the Financial Consumer Protection Framework, and how industry is preparing for change This is a MUST-attend event for all payments stakeholders! It will be the only Canadian Institute Payments event in 2014. Our Compliance, Prepaid Cards, and Innovations events in the payments space have been rolled into this comprehensive and in-depth event for your convenience. Based on last year’s response from the market, spaces will fill up quickly! Register now and save your seat by calling 1-877-927-7936 or by visiting our website at www.CanadianInstitute.com/PaymentsCompliance. We look forward to welcoming you to the conference in May! Who You Will Meet From Financial Institutions • Vice President • Legal Counsel • Compliance Managers • Privacy Officers • Brand, Marketing and Business Development Managers • Anti-money Laundering Officers • E-Commerce Managers • Mobile Payments Managers • Directors of Card Services From Payment Card Issuing Organizations, including Retailers: • Legal Counsel • Directors of Card Services • Pre-Paid Cards Managers • Compliance Manager • Mobile Payments Manager From Law Firms: • Banking/Financial Services • Corporate Commercial Law • E-Commerce Law • Technology Law • Privacy Law From Acquirers: • Legal Counsel • Risk Managers • Business Development Managers From Government and Regulatory Bodies: • Legal Counsel • Managers of Compliance/ Enforcement • Policy Advisors From Emerging Payment Services: •President •Legal Counsel From Consumer and Retailer Advocacy Groups: • President/ Director • Policy Advisors Speaker Faculty Co-Chairs David Florio Partner, Advisory Services Grant Thornton LLP Les Riedl Senior Managing Partner Bank Solutions Group, LLC Speakers Representative FCAC Elaine Cormack Vice-President Legal HSBC Financial Canada Andrea Cotroneo Vice President, Canada Region Counsel MasterCard Jeppe Dorff VP Transaction Services, Emerging Business Rogers David Eason CEO Berkley Payment Solutions Bashir S. Fancy Managing Director Corporate Solutions & Services Inc. Chris Gardner Vice President, Partner Engagement SecureKey Benjamin Geva Counsel, Torys LLP Law Professor, Osgoode Hall Law School, York University Pervees Faisal Islam Chief Compliance Officer, Buttercoin Dawn Jetten Partner Blake Cassels & Graydon LLP Ritu Khanna Head, Global Core Payments PayPal Canada Vipul Lalka Senior Manager Monitor Deloitte Don Mercer Vice-President Consumers Council of Canada Lisa Abe-Oldenburg Partner Bennett Jones LLP Ferhan Patel CCO, Director of Risk and Compliance Payza Mike Vaselenak Lead Analyst VCS Technologies Inc. Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance IN-DEPTH TRAINING SESSIONS Monday, May 26, 2014 9:00 a.m. – 1:00 p.m. (Registration opens at 8:30 a.m.) E-Wallets Intensive: Getting Under the Hood of a Digital Wallet: Key Features and Risk Mitigation Solutions Take-Away: Learn strategies that have worked to make Payza's e-wallet platform highly secure and how this can help you frame and develop your own strategies for safe, compliant and strong payments solutions. Ferhan Patel CCO, Director of Risk and Compliance Payza Plans for new e-wallets are underway by a variety of market participants, but understanding them from the perspective of a compliance and legal perspective can seem like a daunting challenge. In order to ensure that risks are minmized, it is important to have a solid understanding of the key principles and features involved in digital wallets. Payza is one of the world's leading global online payment platforms specializing in e-commerce processing, corporate disbursements and remittances. • Understanding the key features of mobile wallets • Assessing the benefits of an e-wallet versus a bank account • Weighing the associated risks of moving to a new system •In-depth analysis of current and future risk mitigation controls Meet Ferhan Patel As Payza’s Chief Compliance Officer and Director of Global Risk and Compliance, Ferhan oversees the Risk, Fraud and Compliance Departments. Ferhan’s responsibilities include the development and implementation of the company’s AML/CTF, Compliance, Fraud and Risk Mitigation policies. Ferhan is recognized as a Financial Crime Expert with robust product design knowledge and is actively involved in the product lifecycle ensuring that compliance is built in and not bolted on. * A light lunch will be provided to those attending both the morning and afternoon training sessions. Legal Accreditation This program can be applied towards 9 of the 12 hours EARN of annual Continuing Professional Development (CPD) required by the Law Society of Upper Canada. Please note that these CPD hours are not accredited hours for the New Member Requirement. This program has been approved by the Law Society of Saskatchewan for 11 CPD hours for the conference. Members will also receive 4 additional CPD credit hours for the attendance at the training session. The same number of hours may be applied toward your continuing legal education requirements in British Columbia. The Barreau du Quebec automatically recognizes the same number of hours for this training activity, the latter having been accredited by another Law Society subject to MCLE. Attendance at this program by members of the Law Society of Alberta may be submitted to the Law Society for Continuing Professional Development credits. Complimentary Webshop for all Attendees Choose your preferred forum, either in person or as a webshop: 2:00 – 4:00 p.m. (Registration opens at 1:30 p.m.) Ditigal Currency Growing Pains: Understanding Evolving Compliance Challenges and How to Adapt Understand the tumultuous Bitcoin saga, Take-aways: bankruptcies and class action lawsuits. Learn about the tools available for AML compliance and other implementation andmonitoring solutions Pervees Faisal Islam Chief Compliance Officer Buttercoin Ferhan Patel CCO, Director of Risk and Compliance Payza With Mt. Gox, once the world’s largest Bitcoin exchange, recently filing for bankruptcy amid reports that hackers had absconded with $473 million in Bitcoin, and litigators launching class action lawsuits, the media spotlight is squarely on the digital currency arena. Regulation of Bitcoin and its derivatives continues to be a murky and confusing area. Regulators including the U.S. Commodity Futures Trading Commission are considering if and how to oversee derivatives linked to Bitcoin and other digital currencies. What do you need to know that can impact compliance or hinder innovation? Meet Pervees Islam Buttercoin is a Google-Ventures backed cryptocurrency platform, that develops and distributes products and services for traders, financial institutions and business participants to accept, receive and process bitcoin. Buttercoin is currently helping institutional clients in over a dozen countries implement a bitcoin solution for their local market. As CCO, Faisal oversees the Global Compliance & AML program throughout Buttercoin's various business lines across 3 continents. Faisal's motto is "Compliance is not a guideline set, it's a mindset." CPD What is a Webshop? — Information at Your Fingertips You can participate in each concise session live online as it happens – right from your office, home or mobile device – with the ability to pose questions in real time. You will also get access to the recorded videos which you can listen to or view at your convenience. Connect with us @CI_FICompliance and use #CIPayments Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance DAY 1 Tuesday, May 27, 2014 CC – Core Compliance CS – Case Study IN – Innovation Registration Opens and Coffee Served 8:00 Is There An App for That? Balancing Risk Against Innovation in Leveraging New Technologies Take-Away: Benchmark your compliance program with current mobile regulations to expose weaknesses, mitigate risk and ensure compliance with the applicable rules. 9:00 CC How to Strategically Integrate Emerging Mobile Apps and Advances in Mobile Payment Systems into Your Existing Organizational Framework IN Market Climate and Global Trends in Cloud-Based NFC Mobile Payments Elaine Cormack Vice-President Legal HSBC Financial Canada Chris Gardner Vice President, Partner Engagement SecureKey •Identifying regulatory priorities in the rapidly advancing mobile space • Superior risk mitigation strategies when incorporating new payment methods into your compliance plan - Understanding where liability falls for security breaches in mobile • Key considerations when negotiating agreements in the emerging mobile space • What are the troublesome challenges to networks and traditional payment methods: - mobile technology, - alternate payment methods and digital currency, - tokenization and the emergence of alternative payment methods and networks - How all of this innovation can be seamlessly and successfully incorporated into your compliance plan •In-depth analysis of mobile addendum to the voluntary code of conduct - Assessing the implications of ignoring non-traditional payment issues - How they are regulated A concise and practical examination of challenges with NFC and the cloud from the perspective of the technology provider that was recently chosen by the Royal Canadian Mint to authenticate its new MintChip cloud-based digital currency. 10:00 CS 10:45 • Guidance to ensure your compliance plan is up to date and prepared to accommodate the latest payment mobile technology •Innovative strategies to surmount challenges in mobile developments • Solutions to seamlessly incorporate emerging systems into your organization’s risk mitigation plan • Couponing and the digital wallet: key considerations regarding ownership of customer data and timing of coupon issuance to digital wallets 11:30 Networking Coffee Break 11:45 Payment Innovations Intimate Roundtables Ritu Khanna Head, Global Core Payments PayPal Canada Learning from Experience: Telecom Companies as Active Players in the Payments Industry Chris Gardner Vice President, Partner Engagement SecureKey Jeppe Dorff VP Transaction Services, Emerging Business Rogers Ferhan Patel CCO, Director of Risk and Compliance Payza Hear directly from Rogers about their strategic business trajectory for mobile payments and banking: Learn the latest technology innovations in the payments industry, to help assess and prioritize the compliance and business initiatives your organization should be preparing for in the short term. • Learn what your competitors in the telecom space are successfully executing in response to rapidly advancing compliance threats • Gain insight into upcoming developments to effectively plan your priorities • Use lessons learned to build or refine your comprehensive compliance plan while remaining competitive and increasing your market share This interactive session allows you to hear directly from key players in the payments innovation universe, and understand their concerns, strategies and trends that are in their line of sight. Have your specific questions answered and learn about new technologies in the payments space that can help your organization grow and remain competitive. Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance 12:30 Networking Luncheon for Speakers and Delegates 4:00 CC 1:45 Initiatives from the Competition Bureau and Trends to Watch • Review of key recent decisions • Detailed discussion of the Competition Bureau’s challenge of the marketing of Private Label Cards • Analysis of potential indirect consequences of Competition Bureau ruling for merchants, issuers, acquirers and brands •Obtain an exclusive update on FinPay Committee’s progress with its mandate and learn what challenges remain Take-Away: A concise intensive on global initiatives by industry leaders and how the puzzle pieces fit into Canada’s model. Les Riedl Senior Managing Partner Bank Solutions Group, LLC • Learn unintended consequences of capping interchange and allow surcharging in Australia, and the potential implications in Canada •Update on US interchange, surcharging and EMV working group • Gain insight into the challenges faced by UK’s new payment regulator watchdog, and whether Canada should consider a similar body • Discussion of unintended consequences of capping interchange and allow surcharging in Australia • Lessons Learned: What can Canada export from these international examples - Understanding the New UK watchdog and Future Applicability in Canada 2:30 CC Is the Death of the Paper Cheque Upon Us? Examining Challenges with Image Capture Payments Exchange Take-Away: Guide to understanding the technicalities of remote deposit image technology from the perspective of compliance and legal professionals, to anticipate and prepare for risk pitfalls. Benjamin Geva Counsel, Torys LLP Law Professor, Osgoode Hall Law School, York University • Analysis of legal framework surrounding remote deposit capture image technology, in particular, assessing privacy risks • Gain essential tools to mitigate exposure to data breaches and ensure your organization optimizes privacy concerns related to image capture payments exchange vehicles • “Cheque-In” on Remote Cheque Deposit: How Is It Working in Practice? • What are the top challenges faced by a financial institution during implementation? • Lessons learned from financial institutions considering adoption of remote cheque deposit • Guidance to develop the essential tools for your remote deposit capture toolkit 3:00 4:45 Dawn Jetten Partner Blake Cassels & Graydon LLP • Learn strategies on how to create an effective compliance program that seamlessly adapts to new payment solutions and products • Develop unique solutions to help resolve a variety of payment related questions in your office • Understand how your innovation team approaches developing new products and fostering innovation, in order to structure an effective compliance framework that seamlessly integrates new products into your plan • Mitigating risk at the source: Key considerations to communicate to your company’s innovation team during their development stage Joost Houwen Western Practice Leader, Information Technology Security Grant Thornton LLP Merchants and service providers still continue to struggle with achieving and maintaining PCI DSS compliance. Recent payment card breaches further underscore how challenging PCI DSS compliance sustainment can be. This session will explore some of these challenges and share experiences of merchant and service provider clients across North America and lessons learned. This session will also review activities related to PCI DSS version 3.0 and some of the implications to merchants and service providers. 3:45 Networking Coffee Break Setting Your Compliance Priorities With Diverse Payment Innovations on the Horizon Take-Away: Solutions to efficiently work your compliance plan around payment innovation sectors within your organization The Current State of Payment Card Industry (PCI) Data Security Standard (DSS) Compliance Industry Representative Recent Game-Changing Payment Developments in the UK, US, and Australia 5:30 Closing Remarks, Conference Adjourns To receive exclusive discounts, program updates and offers, join our email list at www.canadianinstitute.com/emaillist Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance DAY 2 Wednesday, May 28, 2014 8:15 Coffee Served 8:45 CC CC – Core Compliance Take-away: A critical overview of the applicability of compliance standards in payments, in light of the complex and changing world of payments related standards agencies. Mike Vaselenak Lead Analyst VCS Technologies Inc. 9:45 11:45 • Update on the consultation process: Key points from a consumer representation and consumer protection perspective • Understanding the challenges with not having all payment forms equally protected - credit cards, debit cards, mobile payment systems, and cross-border • Special considerations for loyalty programs • Consumer protection in the the use of new currency forms • Trends: What to watch going forward, to plan your priorities Representative Financial Consumer Agency of Canada 10:45 Networking Coffee Break 11:00 CC Key Anti-Money Laundering Compliance Challenges with New OSFI Changes on the Horizon Representative Grant Thornton LLP • Top three issues encountered by OSFI when reviewing payments business operations The Latest on Canada's Consumer Protection Framework Don Mercer Vice-President Consumers Council of Canada Regulatory Update: FCAC Priorities and Plan for 2014 • The latest guidance from FCAC on the Code of Conduct for the Credit and Debit Card Industry in Canada - Focus on special considerations in mobile payments • Plain language update from the FCAC on priorities, including: - timing and expectations, - considerations when they start reviewing documents, - what the critical principles mean, - guidance on how to make your agreements “plain language” by simplifying legal wording/concepts, without losing impact - Guidance on how the regulator views industry’s use of multi-vendor guidance for the Code: - examining grey areas, the main concepts, and key principles IN – Innovation • Gain important tools to address implementation challenges faced by your organization following the initial compliance to new OSFI requirements • Key considerations required by large and smaller scale financial institutions to monitor success of implementation of new OSFI requirements, how to ensure you remain compliant over time • Learn about OSFI’s recent changes to customer identification and records programs • Gauging the impact of regulatory reform on your business, especially: - due diligence efforts, - record keeping, and - documentation requirements Compliance With What? Optimizing Your Payments Products Planning • What are the key standards in the Canadian payments world? • Which of these standards apply to your payments products and services, and when? • The ‘standards ecosystem’: Identifying standards that incorporate or encompass standards from other agencies -Is the phrase “EMV card” a misnomer, especially as we move to the next generation of smart card issuing and acquiring? CS – Case Study 12:30 Networking Luncheon for Speakers and Delegates 1:45 CS Strategies to Increase Your Market Share David Eason CEO Berkley Payment Solutions David Eason is responsible for business strategy, corporate development, and overall company growth at Berkeley. Hear first hand about the challenges that an active stakeholder faces, and optimal solutions, to balancing compliance obligations without losing ground on innovation. 2:15 CC Tackling Fraud One Data Breach at a Time: Essential Guidance To Benchmark Your System to Comply with Privacy Laws Cyber-security is becoming increasingly complex asTake-Away: we advance at lightning speed with developments of new technology. Movement into the cloud and mobile space make security issues paramount for every player in the payments space. Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance The existing domestic privacy law landscape protects personal data, with the added safety of confidentiality requirements, but gaps exist. Learn how to identify these gaps in your existing framework, how to anticipate future risk areas and solutions to guard against compliance breaches. Lisa Abe-Oldenburg Partner Bennett Jones LLP Bashir S. Fancy Managing Director Corporate Solutions & Services Inc. •Identifying the gaps in domestic privacy legislation to protect your organization • Practical strategies to create the most robust and comprehensive privacy plan tailored for the needs of your company • Analysis of electronic cheque kiting in Canada - Focus on Québec Court of Appeals decisions, which was accomplished within the confines of CPA rules. - Understanding who actually “pays” for this type of fraud • What are the most pressing risks in NFC communications, especially concerning data or privacy breach exposure •Insight into Manitoba’s privacy legislation on mandatory breach notification and whether similar legislation can be expected in your province 3:15 Networking Coffee Break 3:30 IN A Snapshot on Evaluating the Business Concerns of Digital Wallets Vipul Lalka Senior Manager Monitor Deloitte • Update on the latest developments in digital wallets • Strategies to manage multiple businesses co-existing in a single wallet, including: - who has access to what data? - who owns the customer? 4:00 Closing Remarks, Conference Concludes Sponsorship & Exhibition Opportunities Maximize your organization’s visibility in front of key decision-makers in your target market. For more information, contact Director of Business Development Daniel Gellman at 416-927-0718 ext. 7389, toll-free 1-877-927-0718 ext. 7389 or by email at [email protected]. Top 10 Reasons to Join us at this One-of-a-Kind Event: 1A thorough review of the regulatory priorities from FCAC and their implications to your compliance framework 2 Step-by-step strategies on how to refresh 3 Advice on choosing the right tools to identify, repair and anticipate areas of risk with safety, security and privacy in your and update your compliance programs compliance programs 4 Lessons learned from the experience of industry game-changers to benchmark your initiatives 5 Targeted sessions to help you deconstruct and understand the technicalities of rapidly advancing technology from the perspective of compliance and legal professionals into how leading stakeholders are 6Insight acquiring market share to help you plan for strategic business growth 7 An opportunity to train your entire Payments team, including operations, legal and risk, to be ready for enterprise-wide compliance 8 Participation by your highest rated speakers from past events, and even more industry leaders, for precise and reliable answers to your questions 9 10 Expanded risk management content to equip you with the tools necessary to successfully manage and discharge your due diligence requirements Case studies for real-world solutions to your most pressing payments challenges Supporting Sponsor: Exhibitor: Grant Thornton LLP is a leading Canadian accounting and advisory firm providing audit, tax and advisory services to private and public organizations. We help dynamic organizations unlock their potential for growth by providing meaningful, actionable advice through a broad range of services. Together with the Quebec firm Raymond Chabot Grant Thornton LLP, Grant Thornton in Canada has approximately 4,000 people in offices across Canada. Grant Thornton LLP is a Canadian member of Grant Thornton International Ltd, whose member firms operate in over 100 countries worldwide. www.grantthornton.ca The Canadian Payments Association operates the national infrastructure essential to the movement of hundreds of billions of dollars across the country each day. We lead our member financial institutions, businesses, government and the public in establishing the rules of the payments highway. The CPA's current membership comprises of virtually all of Canada's bank and non-bank deposit-taking financial institutions. www.cdnpay.ca ©The Canadian Institute, 2014 Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance May 27 & 28, 2014 • InterContinental Yorkville • Toronto yo u r M Sol ob utio + Mile C ns fo ore hall r en ge Top Reasons to Attend 3 Payments Compliance Solutions to improve cyber-security and privacy in your payments system data 3 Best practies to define, prioritize and mitigate risk Robust Compliance Strategies and Innovative Business Planning Methods in a Rapidly Evolving Marketplace 3 Guidance on prioritizing and integrating regulatory and industry updates into your compliance regime 3 Gain practical solutions and guidelines to combat fraud in payments systems The Canadian Institute’s 9th Annual Forum on s 5 EASY WAYS TO REGISTER 1-877-927-7936 or ' Phone: 416-927-7936 R E gistration f orm To expedite your registration, please mention your Priority Service Code 217L14.LNK 1-877-927-1563 or Ê Fax: 416-927-1563 4471369 : Email: [email protected] * Mail: 8 Attention Mailroom: If undeliverable to addressee, please forward to: Compliance Officer, Legal Counsel, Payments and Card Services 1 YES! Register the following delegate for Administrative Details Register & Pay by April 29, 2014 Register & Pay after April 29, 2014 Please add 13% HST to all orders Venue: InterContinental Yorkville Address: 220 Bloor Street West, Toronto, ON TEL.:416-960-5200 oProgram (on site) $2095 $2295 Hotel Reservations oProgram + Training Session "E-Wallets Intensive" $2590 $2790 For information on hotel room availability and reservations, please contact the InterContinental Yorkville at (416) 960-5200 and request the ‘Canadian Institute’s Corporate Rate’. To book online, please go to www.toronto.intercontinental.com. After entering your dates, insert the Corporate ID #100209681 found at the bottom of the page. Please note that rates are based on hotel availability. Yes! Please also register me for the complimentary Training Session "Digital Currency Growing Pains" as part of my main program registration. o I will attend this Forum in person at the event o I will attend the Forum's live Webshop COMPLIMENTARY - For All Attendees, Valued at $495 oLive Webcast (Program Only) $1595 All program participants will receive an online link to access the program materials as part of their registration fee o Please add a copy of the *Program Proceedings oBINDER or oCD-ROM to my order for $295 + $22.95 (S+H) + applicable taxes *Program Proceedings are published and shipped 4 weeks from the program o I cannot attend but would like information on purchasing a copy of the Program Proceedings 2 Contact Details ORGANIZATION ADDRESS PROVINCE POSTAL CODE TELEPHONEFAX EMAIL TYPE OF BUSINESS NO. OF EMPLOYEES APPROVING MANAGER POSITION Payment Please charge my Number The fee includes the program, all program materials, coffee breaks and lunches. Payment must be received in full by the program date to ensure admittance. All discounts will be applied to the Program Only fee (excluding add-ons), cannot be combined with any other offer, and must be paid in full at time of order. Group discounts available to 4 or more individuals employed by the same organization, who register at the same time. For more information on group rates, please call 1-877-927-7936. Cancellation and Refund Policy CITY 3 Registration Fee Payment Policy NAMEPOSITION Please add 13% HST to all orders o VISA o MasterCard o AMEX o Discover Card Exp. Date cardholder o I have enclosed my cheque for $_______ including applicable taxes Online:www.CanadianInstitute.com/ PaymentsCompliance Program Code: 217L14-TOR Payments compliance Fee Per Delegate The Canadian Institute 1329 Bay Street Toronto, Ontario M5R 2C4 made payable to The Canadian Institute (GST No. 84221 1153 RT0001 ) o Wire Transfer ($CAD) Please quote the name of the attendee(s) and the program code 217L14 as a reference. Beneficiary: The Canadian Institute Bank Name: HSBC / Account #: 055319-001 Address: 150 Bloor St, Suite M100, Toronto, ON Swift Code: HKBCCATT / Transit #: 10362 / Bank #: 016 You must notify us by email at least 48 hrs in advance if you wish to send a substitute participant. Delegates may not “share” a pass between multiple attendees without prior authorization. If you are unable to find a substitute, please notify The Canadian Institute in writing no later than 10 days prior to the program date and a credit voucher will be issued to you for the full amount paid. Credit Vouchers are valid for 1 year and are redeemable against any other program by The Canadian Institute. If you prefer, you may request a refund of fees paid less a 25% service charge. No credits or refunds will be given for cancellations received after 10 days prior to the program date. The Canadian Institute reserves the right to cancel any program it deems necessary and will, in such event, make a full refund of any registration fee, but will not be responsible for airfare, hotel or other costs incurred by registrants. No liability is assumed by The Canadian Institute for changes in program date, content, speakers or venue. Call 1-877-927-7936 for Group or Special Industry Pricing Options