Asheesh Advani President and CEO Virgin Money USA

Virgin Money gives consumers the tools and resources to confidently have open dialogue with family and friends about money. Their product line currently includes a suite of financial offerings to help customers determine the best available options for their individual situations from managing loans, financing startup businesses, to family mortgages and retirement mortgages, all facilitated within and among family and friends. Join Asheesh Advani as he shares Virgin Money’s strategies to successful customer acquisition:

• Presenting Virgin Money’s customer acquisition strategies
• Discussing the growth and future of peer-to-peer lending
• Outlining how traditional vs. alternative marketing plays a role in launching new businesses

Elizabeth Birenbaum Business Leader, Global Interactive Marketing Mastercard International

• Learn about how Mastercard engages their customers through dialogue and encouraging user-generated content
• Understand how you can best drive your brand by providing a “voice” to your customers
• Building an integrated campaign strategy supported by traditional media spend and ROI analysis

Brent Hieggelke VP Strategic Marketing Omniture

Omniture, Inc. is a leading provider of online business optimization software, enabling customers to manage and enhance online, offline and multi-channel business initiatives. Omniture's software, which it hosts and delivers to its customers as an ondemand subscription service, enables customers to capture, store and analyze information generated by their Web sites and other sources and to gain critical business insights into the performance and efficiency of marketing and sales initiatives and other business processes. In addition, Omniture offers a range of professional services that complement its online services, including implementation, best practices, consulting, customer support and user training through Omniture University(TM). Omniture's more than 2,500 customers include eBay, AOL, Wal-Mart, Gannett, Microsoft, Neiman Marcus, Oracle, Countrywide Financial, General Motors, Sony and HP. www.omniture.com

	Michael Neil Vice President Online Channel Merrill Lynch, Global Bank Group
	Mickey Mencin Director of Advertising KeyBank

More and more customers are using search engines as their first channel in reading about financial products and services. Search has also become an essential tool for customers making an informed purchase decision. Knowing your customers are already actively searching for more information through the web, you need to maximize your SEO strategies to stay ahead of the competition and acquire potential customers. Join our panel of online channel executives for an interactive discussion on:

• Integrating search as a viable model for acquisition and revenue generation
• Optimizing your site to support your SEO and SEM programs
• Measuring the results of your search marketing campaigns
• Understanding your customer searching behavior to improve your strategies and appropriately evaluate your marketing spend

Avi Pollock Head of Applied Innovation, Global Technology & Operations Royal Bank of Canada

It is increasingly being recognized that innovation is the key to driving business growth and creating new client value. Social networks and social media provide financial institutions with a new way to tap into a broad base of clients and employees to not only identify new opportunities but also to assist in validating and ultimately deploying innovations to the market. Avi will explore RBC's use of Web 2.0 strategies to incorporate the "voice of the customer" in its innovation program. Highlights include:

• How to use the "wisdom of crowds" to identify high value ideas
• Strategies for engaging your clients to take an active role in bringing your innovations to market
• Why adopting a try-learn-do approach is required to compete in a Web 2.0 world

Daan Josephus Jitta Senior Vice President, Direct Channels and Innovation ABN AMRO Netherlands Commercial Clients

ABN AMRO entered the virtual world in late 2006 when it opened a virtual branch and became the first European bank in Second Life. ABN AMRO believes that in a few years time, virtual worlds might become an important new communication channel to be used externally and internally. In his presentation, Daan Josephus Jitta, who is responsible for the virtual world activities, will share ABN AMRO's experience and main lessons learned in this virtual environment.

• Why ABN AMRO entered Second Life
• What works and what doesn't in virtual worlds
• Is there any relevant application beyond marketing purposes?
• What are the main issues to overcome?
• An overview of more than 1.5 years of serious virtual world activities - what are our main lessons?
• Is there life beyond Second Life - what about other virtual worlds?

	Jim Dicso Senior Vice President LivePerson, Inc.
	Risa Dimacali Director, Online Marketing Charles Schwab

Increased comfort, confidence and familiarity with the Web are driving consumers online. Although the online channel is one of the most convenient, cost-effective and fastest growing delivery methods, the need for human assistance is compelling consumers to abandon the online application process. Discover how leading financial services providers are replicating the inbranch experience online and helping website visitors remain in their channel of choice.

Kelly Harper Director, Private Client Group Marketing and Client Strategy BMO Financial Group

Marketers are continually challenged to demonstrate the value of traditional offline marketing tactics, especially direct mail and statement communication. For the past three Retirement Savings Seasons (RRSPs), we have leveraged the online channel to measure the success of our offline tactics. Utilizing a mix of communication channels/pieces (In-Branch Merchandising, PR, Promotion, Direct Response, Online Advertising & Site Marketing) that allowed us to vary our targeting and messaging to different groups of investors, we directed clients online to participate in a promotion. Clients were required to complete an Investor Profiler questionnaire and on completion were presented with a ballot to enter. Each offline tactic was assigned a unique promotion code clients were required to enter on their ballot.

The promotion codes allowed us to track response by channel, vehicle, message layering and targeting. The online promotion provided a cost effective way to obtain quantifiable marketing campaign results and learning. We note a positive correlation between contest responders and RRSP contribution amounts; in 2005 contest responders made RRSP contributions 17.6% higher than non responders and in 2006, 74% higher. In 2007 the program had an ROI of 115%.

The promotion has helped to deepen and solidify relationships with existing customers, grow share of wallet and successfully cross sell investment products to clients with only a primary banking relationship.

Key Takeaways:

• How to leverage the measurability of the online channel for offline tactics
• Individual communication channel effectiveness in driving response and conversion
• Measurable Impact of message layering on response rates and conversions

Tom Desmond Chief Growth Officer TradeKing

With the critical issues confronting the mortgage market today, it is important to continuously provide tools and guidance to your customers. John Stefek gives us a glimpse of Citi’s Mortgage.com – an education portal which provides information and guidance to first time homeowners, those interested in buying a new home and those who are refinancing or tapping into the equity built up in an existing home. John will share their experience in building and rolling out Mortgage.com and how they can use this best to reach out and support their new and existing customers.

• Implementing and maintaining mortgage education portal
• Differentiating Mortgage.com to attract and retain customers
• Using analytics to track site performance and customer visits
• Managing the website from a business perspective

You have successfully opened a new online account for your customer, now what are you going to do with it? Join Matthew Wilcox, who is responsible online marketing at Zions Bank, will cover this topic and more.

The first three months: avoiding attrition risk

• Detecting and closing cross-selling opportunities – when to do it, how soon to do it after account is opened
• Monitoring new customer activities
• Making sure all channels are consistent in providing services to your customers

	Susan McManus Associate VP, Internet Corporate Marketing Nationwide
	Charlie Lougheed Senior VP, Retail Direct Online National City Corporate
	Thomas Pitkin Vice President, Web Marketing & eCommunications Sovereign Bank

You read the news on financial services everyday and see several exciting trends as well as some frightening predictions about the industry and how your customers’ preferences are changing everyday. The challenge for marketers is to always be ahead of the game: be aware of what is going on in the industry, know what your customers want and know how best to reach them through your existing channels. Join our speakers and engage in a lively debate about where you should be focusing your marketing strategies on. Talk about trends being adopted by your peers and competitors and learn about how you, as an industry, should face the toughest challenges while keeping your customers happy.

• Understanding communities and online influencers and the impact of their opinion on your brand – how do you define the rules of the conversation-based marketplace?
• Developing and/or tying up with “Green” Projects – is this working as an acquisition or retention tool?
• Addressing the issues of the “unbanked” or “underbanked” population – risk or opportunity?
• Reaching out to different market segments – how important is your customer data?

This is just a sample of possible questions to be discussed in this interactive and exciting panel session. If you have any other stimulating questions that you would like to be covered in this session, please email your questions to netfinance@wbresearch.com.

Don’t forget, champagne for all attendees will be served during this panel session.