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Agenda (as of 21.11.2014 ) The conference will be simultaneously interpreted into Polish and English. Day one (26 November 2014) 09.00 10.00 registration of participants, morning coffee 10.00 10.10 Conference opening by the President of Polish Bank Association, Regional Managing Director, Central Eastern Europe, Visa Europe and the President of Polish Chamber of Information Technology and Telecommunications 10.10 11.30 Opening session: Modern payments in Poland: 25 years of experience and the challenges and prospects for the coming years Presentations, discussion panel Polish Bank Association, President Krzysztof Pietraszkiewicz Visa Europe, Twenty-five years of card payment in Poland: What next? Małgorzata O Shaughnessy, Regional Managing Director, Central Eastern Europe, Visa Europe PONIP, The banks and the nonbanking payment s suppliers the enemy or the complement? - Andrzej Poniński Frost & Sullivan, Is HCE the final brick to mobile payment success? - Jean-Noel Georges 11.30 12.00 - break

12.00-13.30 technological and economic challenges, part I Session partner: Frost & Sullivan moderated by: Piotr Warsicki Innovations in Visa s mobile payments Małgorzata Ciszecka, Visa Europe How to successfully approach mobile services in quickly evolving ecosystem Piotr Gąsior, Gemalto About mobile wallet - Value Added Services (not only payment) - Maris Cakste, MeaWallet Specialist session: The development of noncash transactions in Poland present state and perspective" Is the net of acceptance in Poland the barrier of development of non - cash turn still? Adam Tochmański, NBP National Bank of Poland The System of Cards Payments - the alternative transaction processing method in Poland Marcin Rusinek, Visiona Occasional session: "French firms for polish market Session partner: UBIFRANCE moderated by: Jerzy Cichowicz Securing Mobile: Threats, environments & deployment models Peter Schellaert, Ercom Taking advantage of new European regulation - Digital signature for consumers : the saving process! Daniel Lancien, Open Trust Are Polish Internet websites ready for the European E-commerce competition? Michel Fleury, IP-Label 13.30 14.30 lunch break 14.30 16.00 Specialist sessions technological and economic challenges, part II moderated by: Piotr Warsicki The war in mobile payments Apple Pay vs Specialist session: New payment methods new dangers moderated by: Jędrzej Grodzicki The growth of quantity of transaction in Internet Specialist session: "Self-service solutions for the needs of card market moderated by: Marek Firkowicz ATM market in Poland - last year summary

MCX. What can we learn from the clash of titans? Michał Kisiel, PhD, Bankier.pl "The determinants of interest the mobile payments by individual customers. The results of empirical investigations"- Michał Polasik, PhD, Nicolaus Copernicus University in Toruń Does mpos mean mass POS?" Cezary Kosiński, Spire Payments requires the safe methods the authentication - the case study of initiating service 3DSecure in the IT Card the SA - Karol Szponder, Visiona "How to choose to product the level of safety?" - Marcin Kępiński, UL Transaction Security e-banking Security user authentication and transaction signature Michał Antoniak, Gemalto Dynamic CVV card effective way to avoid CNP frauds Mirosław Kulpa, Paweł Zięba, Oberthur Technologies Marek Firkowicz "New solutions for sector cash deposit machines in Poland Krzysztof Trojak, BSS Poland On card what influence will be dusts coming changes in using from bank squads and selfservice devices? Krzysztof Kołodziejczyk, Automatyka Bankowa The self-service of Bitcoin s transaction, in connection with the POS solutions Adam Grodzki, Midgar 16.00 16.15 - break 16.15 17.15 Specialist sessions technological and economic challenges, part III moderated by: Piotr Warsicki mpos chance on success? - Dawid Kulbicki, FACS Payments by the card, where there is no terminal Bartłomiej Wirkijowski, Michał Maciąg, UPAID Specialist session: The rate of interchange fee and the future of payments in Europe and Poland moderated by: professor Stanisław Kasiewicz, PhD, Warsaw School of Economics " Paweł Widawski, Polish Bank Association EC Decision of February 26, 2014 on reduction of interchange fee for cross-border transactions, how you can take advantage of this fee reduction Specialist session: ""Modern IT solutions for financial market moderated by: Jerzy Cichowicz Do you use proper test bools?- the way to optimize of process initiating -.Tadeusz Reczyński, Clear2Pay Aspects of standardization with regard to eidas Regulation Grzegorz Koprowski, Polish Committee for Standardization

for the benefit of the Polish economy? - Agata Marcinkowska, Jan Byrski, Legal office /Kancelaria Traple Konarski Podrecki i Wspólnicy 17.15 17.30 break 17.30 18.30 Specialist sessions technological and economic challenges, part IV moderated by: Piotr Warsicki Is the market sentenced to one mobile payment system? Henryk Kułakowski, MassPay Specialist session: Prepaid, City, Regional and Loyalty Cards "Corporate Prepaid The Customer is Always Right. But Can Your Systems Deliver What They Want? Alex Mifsud, Ixaris Systems "The city, regional and loyalty cards - the legal aspects in context of control the PSD I and PSD II Michał Grabowski, Legal Office/Kancelaria Rady Prawnego "The Card EURO26 the tool of mobility and the active communication with youths Karolina Krużewska-Ossowska, Eurodesk Poland/Polskie Stowarzyszenie Projektów Młodzieżowych Specialist session: Social Media and a New Context of Payment System Functioning moderated by: Eugeniusz Śmiłowski, PhD How strongly the Poles are engaged in Social Media? Symptoms of SM engagement in global study Connected Life 2014" Andrzej Olękiewicz, TNS Polska E-Commerce Facts & Figures" Karolina Karaś, Gemius "m - Commerce - promise or reality? Are Poles already accustomed to using telephone as tool to payment? - Albert Hupa, Interactive Research Center

19. 00 22.00 Polish Card Gala (including awarding winners in 9 categories in the contest for the best cards in Poland in 2014), Ludwikowska Ballroom in Polonia Palace Hotel, Al. Jerozolimskie 45 Day two (27 November 2014) 09.00 10.00 registration of participants, morning coffee 10.00 11.30 Plenary session: Modern Payment Methods in e-commerce, both Domestic and Transborder One Session partner: Chamber of Digital Economy... Grzegorz Wójcik, Chamber of Digital Economy Billon digital money Ryszard Kałuża, Billon... professor Dominika Maison, PhD Specialist session: eidas Regulation: an opportunity to systematize e-identification and e-signatures issues in Europe and Poland, part I moderated by: Wiesław Paluszyński, Polish Chamber of Information Technology and Telecommunications "eidas Regulation: the market s expectation towards e-signature and e-identity Wieslaw Paluszyński, PiiT Project STORK Artur Łaszcz, ATOS Specialist session: "Polish and European regulations and development the modern methods of payment, part I moderated by: Krzysztof Korus, Legal Office dlk Korus Okoń Radcowie Prawni The legislative challenges for financial sector in UE and Poland and the shape of Polish banking - professor Stanisław Kasiewicz, SGH Payment Regulations 2015-2020 - Krzysztof Korus, Legal Office dlk Korus Okoń Radcowie Prawni 11.30 12.00 - break 12.00 13.30 Specialist sessions

Specialist session: Digital Money of the Digital World, part I moderated by: Michał Polasik, PhD, Nicolaus Copernicus University in Toruń Bitcoin s ABC..., Polish Bitcoin Society Is bitcoin for traditional finances threat? Krzysztof Piech, PhD, Warsaw School of Economics Specialist session: eidas Regulation: an opportunity to systematize e-identification and e-signatures issues in Europe and Poland, part II moderated by: Wiesław Paluszyński, Polish Chamber of Information Technology and Telecommunications #eidas: Electronic signature for humans Michał Tabor, Trusted Information Consulting The problem of credibility the e-identity and the documents Kajetan Wojsyk, Centrum Systemów Informacyjnych Ochrony Zdrowia Specialist session: "Polish and European regulations and development the modern methods of payment, part II moderated by: Krzysztof Korus, Legal Office dlk Korus Okoń Radcowie Prawni Safety of online payments - a vision of European regulators Anna Klein-Kaska, University in Gdańsk 13.30 14.30 lunch break 14.30 15.45 Specialist sessions Specialist session: Digital Money of the Digital World, part II moderated by: Michał Polasik, PhD, Nicolaus Copernicus University in Toruń For and against bitcoin that is discussion of two on two - Lech Wilczyński, Krzysztof Piech, Jędrzej Grodzicki,. Specialist session: Specialist session Card Systems in Health Care moderated by: Mirosław Jarosz, Rector of WSEiI in Lublin.. Grzegorz Siwiec, STORM Specialist session: Modern banking for children, young people and disabled persons moderated by: Jerzy Świtek " Michał Macierzyński, PKO BP Banking without barriers at Bank Zachodni WBK. Programme "Service without barriers"- idea and solutions dedicated for disabled persons Katarzyna Dominiczak, Marta Walaszczyk-

Szymańska, Bank Zachodni WBK "The assurance of accessibility of internet transaction services and the authorization functions for the disabled persons Jan Szuster 15.45 16.00 - break 16.00 17.30 Plenary session: Putin Card - a new division of the card world? Discussion panel joined by Introduction: Michał Kisiel, PhD, Bankier.pl and Aleksander Winnicki, FACS 17.30 End of Central European Electronic Card 2014 Conference Note: The organizer will spare no attempt for the conference to take place according to the above agenda but partial modifications are possible.