Challenges and trends in the next 3 years 2013 ACCIS AGM & CONFERENCE Challenges and trends in the next 3 years for the Consumer Credit Industry 5th – 7th June 2013 Vienna, Austria Park Royal Palace Hotel

5th June 12 – 6pm Delegate registration c/o Infopoint 3pm Hotel check-in 2.00 – 5.30pm Executive Committee Meeting for executive committee members only Einstein Room 7 - 11pm Welcome evening event in a typical Austrian wine tavern in Perchtoldsdorf Buses leave the hotel at 7pm

6th June, am 9am - 6pm Infopoint 10.00 – 12.00 noon ACCIS Annual General Meeting Members only, Edison III Room 8:30am – 3pm Partner Program Vienna city tour by bus, lunch and tour in Grinzing Partners meet at 8:30 am in Hotel lobby 12.30 - 1.30pm Lunch for Delegates Park Royal Palace

6th June, pm Conference, Edison III room 2.00 – 2.05pm Introduction by President and Conference Chairman Neil Munroe, Equifax, UK; Enrico Lodi, CRIF, Italy 2.05 – 2.20pm Presentation by hosting members Representative of KSV 1870, Austria 2.20 – 3.00pm The Economic Outlook for the European Union to be announced 3.00 – 3.30pm Refreshment break and networking 3.30 – 4.00pm Developments in credit reporting - a World Bank/IFC view Tony Lythgoe, IFC 4.00– 4.10pm Questions & Answers and Discussion moderated by Neil Munroe 4.10 – 5.00pm The role of Public Credit Registers and Private Credit Bureaus in the future - Michael Ritter, Head of Central Credit Register, Deutsche Bundesbank Mary Carrick , Financial Services Division, Irish Ministry of Finance - ACCIS members: Achilleas Amvrosiou, Artemis, Cyprus; Jan Smith, Call Credit, UK; Petr Kučera, CCB, Czech Republic Moderated by Neil Munroe 5.00 – 5.10pm Questions & Answers and Discussion 5.10 – 5.15pm Close of the day by President and Conference Chairman Neil Munroe, Enrico Lodi

6th June, evening Social Programme 6 – 6.15pm Walk to Schönbrunn Palace appointment c/o the Hotel Lobby at 6 pm 6.15 - 7.30pm Visit of Schönbrunn palace 7.30 - 8pm Ride with Panorama train through the park of Schönbrunn 8 – 11pm Gala dinner Gloriette Restaurant, Schönbrunn park Forty rooms and forty fascinating stories spanning three centuries. On the Grand Tour you will see the magnificent Hall of Ceremonies, the imposing Gobelin Salon with its exquisite Brussels tapestries as well as the room known on Maria Theresia’s time as the Feketin Room, later renamed the Millions Room on account of its precious paneling of rare Rosewood.

7th June, am 9am - 3pm Infopoint 8:30am – 12.30 Partner Program Shopping tour Inner City of Vienna or Visit to Albertina Museum (Entrance at the Albertina Museum not included: 11,90€) Partners meet 8:30am in Hotel lobby

7th June, am Conference, Edison III room 9 – 9.05am Introduction by Conference Chairman Enrico Lodi 9.05 – 9.50am Regulatory outlook for Europe – Key regulation that will affect our clients and our industry Ake Dahlqvist, UC, Sweden; Enrico Lodi, CRIF, Italy; Gillian Key-Vice, Independent Consultant, UK. 9.50 – 10.00am Questions & Answers and Discussion moderated by Enrico Lodi 10.00 – 10.30am Refreshment break and networking 10.30 – 11.20am Future Data Innovations and the Role of the Credit Reporting Industry – to include Big Data and Alternative Data - Johannes Litschauer, EBCONT Group, Austria -Tony Lythgoe - ACCIS members: Malgo Krason, KRD, Poland; Birger Baylund, Debitor Registret, Denmark; Koray Kaya, KKB, Turkey. Moderated by Gerhard Wagner, KSV, Austria 11.20 – 11.30am Questions & Answers and Discussion moderated by Gerhard Wagner 11.30 – 12.20pm Growing Consumer Empowerment – how can the industry respond - Hermina Govekar-Vicic, Sisbon, Slovenia; - Lucia Reisch, Schufa Head of Consumer Advisory Board Moderated by Michael Freytag, Schufa, Germany 12.20 – 12.30pm Questions & Answers and Discussion moderated by Michael Freytag 12.30 – 12.45pm Close of the Conference by President Neil Munroe

7th June, pm 1 - 2pm Closing lunch in Park Royal Palace Hotel for delegates and partners End of the event