| DAY 1, 7th June 2007 |

Zheng Xin, chairman, Shanghai Bankers Association, welcoming the delegates to the Excellence in Retail Financial Services Convention 2007 |

Wang Huaqing, assistant chairman, China Banking Regulatory Commission(CBRC), and director-general, CBRC Shanghai Office, speaking during the opening keynote address |

James Cullen, senior vice president, international financial services, Wells Fargo, delivering the opening keynote address |

Graham Tocher, regional director, TNS; Pishu Ganglani, senior manager, business re-engineering, Emirates Bank; Chen Jin, head of credit card centre, China CITIC Bank, and Varun Sabhlok, former regional audit director, Citibank global consumer banking division, during a panellists' discussion session on cards & payments |

James Cullen, senior vice president, international financial services, Wells Fargo; Philip Strause, acting chairman, Excellence in Retail Financial Services Programme, and Liu Lizhi, deputy general manager, personal banking products department, Bank of Communications, China, listening to a speech on stage |

Dennis Khoo, general manager, wealth management, Standard Chartered Bank (Singapore), sharing some of the bank’s insights on “using innovation as a competitive advantage” |

Philippe Paillart, former vice chairman and chief executive officer, DBS Bank, applauding one of the speakers |

Chris Skinner, chief executive officer, Balatro, speaking on “The Future of Banking Distribution Channels” during the closing session on Day 1 of the event |

Delegates listening attentively |

Some of the delegates posing for a shot during a break |

Chen Jin, president, credit card centre, China CITIC Bank delivering his presentation |

Huang Jinlao, marketing director, personal banking dept., Bank of China addressing the delegates during one of the sessions |

Hong Zhang, finance director, TNS China, delivering his presentation |

Suvo Sarkar, group head retail banking, National Bank of Dubai, responding to a question from the audience |

John Chen, country manager, Fair Isaac China, laying out the facts and figures. |

From left to right: Philip Strause, acting chairman, the Excellence in Retail Financial Services Programme; Chris Skinner, chief executive officer, BALATRO; Zhang Yaolin, executive vice president, Shanghai Pudong Development Bank; (seated), and Wang Yi, principal, McKinsey, delivering his speech |

Zhang Yaolin, executive vice president, Shanghai Pudong Development Bank, making his presentation. |

Wang Huaqing, assistant chairman, China Banking Regulatory Commission (left) receiving a token of appreciation from Emmanuel Daniel, president and editor-in-chief, The Asian Banker (right) as Zheng Xin, chairman, the Shanghai Banking Association, looks on. |

From left to right: Suvo Sarkar, group head retail banking, National Bank of Dubai; Prof. Brett King, chief executive officer, the American Academy of Financial Management; Hong Zhang, finance director, TNS China, noting down audience feedback |

Liu Lizhi, deputy general manager, personal banking product department, Bank of Communications, China, delivering his presentation |

James Cullen, senior vice president, Wells Fargo; Philip Strause, acting chairman, The Excellence in Retail Financial Services Programme; Liu Lizhi, deputy general manager, personal banking product department, Bank of Communications, China and Dennis Khoo, general manager wealth management, Standard Chartered Bank in action during a panellist session |

Patrick Chew, head of delivery, consumer financial services division, OCBC Bank, Singapore, sharing his experience with the audience |
| |
|
| DAY 2, 8th June 2007 |

Greig Little, partner, financial services, Teradata |

Suvo Sarkar, group head retail banking, National Bank of Dubai |

Budiman Suwignyo, director, Bank Central Asia |

Philip Strause, acting chairman, The Excellence in Retail Financial Services Programme |

Michael Pratt, group executive consumer financial services, Westpac Banking Corporation |

Lyndsay Rajah, head of personal financial services, HSBC Brunei; James Cullen, senior vice president of international financial services, Wells Fargo; Michael Pratt, group executive consumer financial services, Westpac Banking Corporation |

Clive Haswell, chief executive officer, Standard Chartered Bank Sri Lanka; Prof. Brett King, chief executive officer of the American Academy of Financial Management. |

Pralay Mondal, country head, retail assets & credit cards, HDFC Bank |

Emmanuel Pitsilis, principal, McKinsey. |

Angus Ogilvy, regional director, Asia Pacific, AC Nielsen |

Liu Jianjun, general manager, personal banking department, China Merchants Bank |

Robert Buchan, chief executive officer, selektpoints |

Pishu Ganglani, senior manager, business re-engineering, Emirates Bank |

Ronen Lamdan, Asia Pacific marketing director, enterprise content management, IBM Software Group |

Peter Ke, former vice president, personal credit service, Chase Manhattan Corp. ; Ronen Lamdan, Asia Pacific marketing director, enterprise content management, IBM Software Group |

John Chen, country manager, Fair Isaac, China; JY Pook, executive vice president and managing director, Fair Isaac, Asia Pacific; Wang Shihao, executive vice president, Bank of Shanghai |

Wang Shihao, executive vice president, Bank of Shanghai |

JY Pook, executive vice president and managing director, Fair Isaac, Asia Pacific |

Philippe Paillart, former vice chairman and chief executive officer, DBS Bank |

Christian Kapfer, research manager, The Asian Banker |
|