26 -29 May 2008, Çirağan Palace Kempinski, Istanbul, Turkey
Opening Keynote Address: HE Mr. Tayyib Erdogan, Prime Minister Of Turkey Rushdi Siddiqui
Global Head Islamic Indexes, Dow Jones
Alka Banerjee
Rainer Greiger
VP Global Index Management & Chairperson S&P/ Citigroup Equity Indices, Standard and Poors
Deputy Director General, Organisation for Economic Co-operation and Development (OECD)
Rainer Greiger, Deputy Director General, Organisation for Economic Co-operation and Development (OECD), France Kavilash Chawla, Principal, Nur Advisors, USA Sheikh Nizam Yaquby, Shari’ah Scholar, Bahrain Christian Mouchbahani, CEO, Jefferies Middle East and North Africa, UAE Dr. Angelo Venardos, Executive Director, Heritage Fiduciary Services, Singapore Iad Georges Boustany, Managing Director, BSEC, Lebanon Güler Manisali Darman, Principal, GMD Global Advisors, Turkey Isaac Fokuo, Principal, Botho Advisory Group, USA Khalid Yousaf, Managing Director, International Holdings Group (IHG), UAE Paul C Homsy, CEO, Crescent Asset Management, USA Baljeet Kaur Grewal, Chief Group Economist, Kuwait Finance House (KFH), Malaysia Rushdi Siddiqui, Global Head Islamic Indexes, Dow Jones, USA Alka Banerjee, VP Global Index Management & Chairperson S&P/ Citigroup Equity Indices, Standard and Poors, USA Dr Omar Kamal, Investment Group Head, Al Salam Bank, Bahrain Yunus Nacar, General Manager, Türkiye Finans Katilim Bankasi, Turkey Sohail Jaffer, Partner, FWU Group, Luxemburg Edmond D. Villani, Director, Crescent Asset Management, USA Mete Ikiz, Assistant General Manager, Unicorn Capital, Turkey
Plus! Interactive - Practical Workshops Platinum Sponsor
Strategic Partner
Gold Sponsors
Official Regional Business Newspaper
Hari Bhambra
Paul Homsy
Huseyin Erkan
Senior Partner, Praesidium LLP
CEO Crescent Asset Management
Chairman and CEO Istanbul Stock Exchange
Kerim Alain Bertrand, ISI Emerging Markets, Turkey Fares Mourad, Global Head – Islamic Investments, Credit Suisse, Switzerland Dr Mohammed Daud Bakar, President & CEO, International Institute of Islamic Finance, Malaysia Professor Dr Yusuf Ziya IRBEÇ, Member of European Union Commission To the Turkish Parliament, Turkey Hüseyin ERKAN, Chairman and CEO, Istanbul Stock Exchange, Turkey A. Ender ÇOLAK, Vice Chairman, Capital Markets Board, Turkey Dr. Adnan BÜYÜKDENIZ, CEO, Albaraka Türk Participation Bank, Turkey Nick Lodge, Managing Director, Siraj Capital, UAE Yahya Jalil, Head of Private Equity & SVP, The National Investor (TNI), UAE Dimitry Blasi, Head of Investment, Khaleeji Commercial Bank, Bahrain Dr. Engku Rabiah Adawiah, Private Law Department, International Islamic University, Malaysia Ayman Khaleq, Partner, Vinson & Elkins, UAE Professor Dr Alexander Ressos, International Offshore Finance Lawyer, Jersey/Channel Islands Peter Ohnemus, CEO and President, ASSET4, Switzerland Dr Monzer Kahf, Shari’ah Scholar, USA Ikbal Daredia – Managing Director, Head of Capital Markets & Institutional Banking, Unicorn Investment Bank, Bahrain Andreas Jobst, Monetary and Capital Markets Department (MCM), International Monetary Fund (IMF), USA
Plus! Exclusive Launch Silver Sponsor
Media Partners
Official Islamic News Portal
For more information and full details please contact:
[email protected] or call us on +971 (0)4 364 2975
Associate Sponsor
Organised by:
www.leadersinislamicfinance.com
2008 is predicted to be an exciting year for Islamic finance. With substantial innovation, increasing competition and strong growth in key markets and product segments, the industry is becoming truly global with increased interest and opportunities in non-Islamic jurisdictions.
Leaders In Islamic Finance
will bring together the individuals and institutions that drive the industry on an international level in a unique location: Istanbul, Turkey; the place where East meets West! The only global leadership Islamic finance conference in the world The only Islamic finance conference designed by the industry for the industry by an elite international advisory board The only Islamic finance conference which provides a platform for the innovations and developments the industry REALLY needs
Leaders In Islamic Finance Attendee Profile Leaders In Islamic Finance is a global event that will be attracting attendees from around the world! You will meet:
Chairmen
Board Directors
Fund Managers
International Bankers
Presidents
Economists
Investment Bankers
Project Finance Executives
Government Ministries
Scholars
Corporate Bankers
Bond and Sukuk Managers
Vice Presidents
Secretary Generals
Private Equity Executives
Risk Managers
CEOs
Stock Exchange Executives
Lawyers and Legal Advisors
Treasurers
CFOs
Financial Analysts
Insurance and Takaful Experts
Regulators
Asset Managers
Emerging Market Specialists
Exclusive LAUNCH! Leaders In Islamic Finance is proud to be part of one of the most important developments for the industry: The Launch of the Centre for Innovation In Islamic Finance CIIF will provide a global platform for the Islamic finance industry to invest in innovation
The CIIF Scholarship Fund
The CIIF Research Grants
The CIIF Symposia
Elite International Advisory board Leaders In Islamic Finance would like to thank our elite advisory board for their contribution in the development of this event
Professor Dr Yusuf Ziya IRBEÇ, Member of European Union Commission To the Turkish Parliament, Turkey
Rushdi Siddiqui, Global Head Islamic Indexes, Dow Jones, USA
Dr Omar Kamal, Executive Vice President/ Investment Group Head, Al Salam Bank, Bahrain
Fares Mourad, Global Head Islamic Investment Banking, Credit Suisse, Switzerland
Dr Angelo Venardos, Executive Director, Heritage Fiduciary Services, Singapore
Güler Manisali Darman, Principal, GMD Global Advisors, Turkey
Join the Leaders In Islamic Finance in Istanbul, Turkey and be a part of forming the future of the Islamic Finance industry! For more information and full details please contact:
[email protected] or call us on +971 (0)4 364 2975
www.leadersinislamicfinance.com
Day One
Tuesday, 27 May 2008
08:00 Registration And Coffee - Registration host
13:00 Lunch Break – sponsored by
08:45 Chairman’s Opening Remarks
14:15 Keynote Address – Leading Emerging Islamic Finance Markets
09:00 Opening Keynote Address HE Mr Tayyib Erdogan, Prime Minister, Turkey
14:45 Panel Session: Identifying The Emerging Markets In The Islamic Finance Arena Conflicting regional legislation – analyzing the effect on the growth of Islamic Banking in Europe Do the banking and finance leaders in Europe have a clear vision of the industry and the new priorities that have emerged?
09:30 Keynote Address – Leading Cross Country Financial Markets 10:00
Panel Session: Islamic Finance In Turkey: Past, Present And Future Islamic finance in Turkey – GCC, Malaysian or European model? WTO impact on the financial sector Role of conventional financial institutions in development of Islamic finance in Turkey What is leading Islamic finance - retail, corporate or merchant/investment? Specific business opportunities the dynamic Turkish market provides for international Islamic institutions Professor Dr Yusuf Ziya IRBEÇ, Member of European Union Commission To the Turkish Parliament, Turkey Hüseyin ERKAN, Chairman and CEO, Istanbul Stock Exchange, Turkey A. Ender ÇOLAK, Vice Chairman, Capital Markets Board, Turkey Dr. Adnan BÜYÜKDENIZ, CEO, Albaraka Türk Participation Bank, Turkey
11:00 Networking And Refreshments Break
Christian Mouchbahani, CEO, Jefferies Middle East and North Africa, UAE Dr. Angelo Venardos, Executive Director, Heritage Fiduciary Services, Singapore Iad Georges Boustany, Managing Director, BSEC, Lebanon Kerim Alain Bertrand, ISI Emerging Markets, Turkey 15:30 Islamic Finance and Greater Economic Development Projects In Emerging Markets Macro Socio-economic Islamic Project Financing Raising capital Legal structures in syndicate financing Mr. Yunus Nacar, General Manager, Türkiye Finans Katilim Bankasi, Turkey Güler Manisali Darman, Principal, GMD Global Advisors, Turkey Isaac Fokuo, Principal, Botho Advisory Group, USA Khalid Yousaf, Managing Director, International Holdings Group (IHG), UAE
11:30 Keynote Address – Leading Islamic Finance Across Borders 16:15 Networking And Refreshment Break 12:00 Panel Session: Global Expansion And the Implications On A Geo-Political Level What is the development potential in non-Islamic countries? Regulating Islamic finance in non-Islamic jurisdictions – an ongoing challenge Macro economic and global aspects of Islamic finance having a broad impact on economic growth of emerging economies What challenges and opportunities lie ahead? What are the implications for conventional banks? Can Islamic Finance support and follow the international finance and trade requirements dictated by the globalisation of the market? Will Islamic financial institutions remain true to their Islamic principles regardless of the environment and market needs? The Socio-political factors behind Islamic finance Rainer Greiger, Deputy Director General, Organisation for Economic Co-operation and Development (OECD), France Husein Al Qemzy, CEO, Noor Islamic Bank, UAE Sheikh Nizam Yaquby, Shari’ah Scholar, Bahrain Kavilash Chawla, Principal, Nur Advisors, USA
16:30 Panel Session - Exploring The Potential In Global Markets: Funds And New Product Developments Identifying international customer needs Building a comprehensive range of Shari’ah-compliant funds Ensuring high yield in a low yield environment Cross Country Opportunities The US Europe The Middle East Asia Paul C Homsy, CEO, Crescent Asset Management, USA Rushdi Siddiqui, Global Head Islamic Indexes, Dow Jones, USA Alka Banerjee, VP Global Index Management & Chairperson S&P/ Citigroup Equity Indices, Standard and Poors, USA Baljeet Kaur Grewal, Chief Group Economist, Kuwait Finance House (KFH), Malaysia 17:30 Close of Day One 19:00 Gala Dinner
For more information and full details please contact:
[email protected] or call us on +971 (0)4 364 2975
www.leadersinislamicfinance.com
Day Two
Wednesday, 28 May 2008
08:45 Chairman’s Opening Remarks Mete Ikiz, Assistant General Manager, Unicorn Capital, Turkey
12:30 Case Study: Islamic Finance in Islamic Secular Markets Hari Bhambra, Senior Partner, Praesidium LLP, UAE
09:00 Keynote Address – Leading Standardisation In Islamic Finance
13:00 Lunch Break
09:30 Panel Session - Ensuring Standardisation Of Islamic Finance In The Global Marketplace and The Role Of Shari’ah Rulings In The Standardization Process What challenges will the market face if this is not achieved? • Short term • Long term The necessary steps to achieving global standards in Islamic Finance • Agreement • Consensus • Standards Obstacles to standardization and solutions to overcome them Interpreting and applying the Shari’ah law beyond the Middle East • Which interpretation of Shari’ah should be adopted and when? • Differences of laws and jurisdictions • Need for disconnecting Shari’ah counseling from board level management • Regulating External Shari’ah auditing Identifying the areas of necessary standardization Future direction of standardisation in Shari’ah financial rulings
14:15 Panel Session - Where Do the Opportunities Lie for Islamic Investment Products? REITs Private Equity Venture Capital Hedge Funds Commodity Funds • What are the limitations? • How can the obstacles be overcome? • What is the range of opportunities in the Middle East? • Underlying risks and potential rewards
Hari Bhambra, Senior Partner, Praesidium LLP, UAE Dr Nik Ramlah Mahmood, Senior Executive Director – Strategy & Development, Malaysian Securities Commission, Malaysia Dr. Monzer Kahf, Shari’ah Scholar, USA Rushdi Siddiqui, Global Head Islamic Indexes, Dow Jones, USA Dr Aznan Bin Hasan, Member – Shari’ah Advisory Board, Central Bank of Malaysia, Malaysia 10:30 Networking and Refreshment Break 11:00 Keynote Address – Leading Islamic Investment Banking Across Continents 11:30 Panel Session - Why Do Islamic Structures Appeal To Investors? Are we witnessing a shift to Islamic Structures, especially from non-Islamic entities? What features and structures can be replicated into Islamic transactions and why? Are the ethical aspects of Islamic Finance a key driver in issuing new products? Examining the structures in detail: The different considerations for Islamic structures The types of assets that can be structures under the Shari’ah Dr Omar Kamal, Investment Group Head, Al Salam Bank, Bahrain Fares Mourad, Global Head – Islamic Investments, Credit Suisse, Switzerland Dr Mohammed Daud Bakar, President & CEO, International Institute of Islamic Finance, Malaysia
Edmond D. Villani, Director, Crescent Asset Management, USA Nick Lodge, Managing Director, Siraj Capital, UAE Yahya Jalil, Head of Private Equity & SVP, The National Investor (TNI), UAE Dimitry Blasi, Head of Investment, Khaleeji Commercial Bank, Bahrain Dr. Engku Rabiah Adawiah, Private Law Department, International Islamic University, Malaysia Peter Ohnemus, CEO and President, ASSET4, Switzerland 15:15 Special Focus: Sovereign Bonds- The Role of Islamic Finance 15:45 Networking And Refreshment Break 16:00 Keynote Address – Leading The Legal Angle Of Islamic Finance 16:30 Panel Session - Legal Considerations Affecting The "Export" Of Islamic Asset- Backed Products Structuring Asset–Backed Securities In Non-Islamic Jurisdictions Private Equity : Acceptable leverage ratios • Control • Transparency • Documentation Enabling flow of funds from the Middle East to non-Islamic jurisdictions How can the right product be marketed and be understood by investors – combining the Shari’ah with regional law Andreas Jobst, Monetary and Capital Markets Department (MCM), International Monetary Fund (IMF), USA Ayman Khaleq, Partner, Vinson & Elkins, UAE Professor Dr Alexander Ressos, International Offshore Finance Lawyer, Jersey/Channel Islands 17:30 Open Discussion: Leading The Way – What Lies Ahead For Islamic Finance Worldwide Opportunities & Challenges 18:00 Chairman’s Closing Remarks – End Of Summit
For more information and full details please contact:
[email protected] or call us on +971 (0)4 364 2975
www.leadersinislamicfinance.com
Pre - Summit Workshop
Monday, 26 May 2008
Workshop A: Innovations In Structuring Sukuk
Workshop leader: Ikbal Daredia, Managing Director, Head of Capital Markets & Institutional Banking, Unicorn Investment Bank, Bahrain
Post - Summit Workshop
Thursday, 29 May 2008
Workshop B: Structuring Islamic Investment Products In Non-Islamic Jurisdictions Workshop Leader: Dr Monzer Kahf, Shari’ah Scholar, USA
Plus Special Focus Workshop! Financing Infrastructure Projects In Turkey Through Islamic Finance Sponsorship Opportunities: Leaders In Islamic Finance offers the key players in the market the opportunity to raise their corporate image through strategic sponsorship and support of the event. Sponsorship of the Summit will directly associate your company with this worldwide financial sector and each of our many partnership packages delivers a host of key features and benefits that include VIP Delegate Passes, Exhibition Space, Speaking Opportunities, Mailing Lists, Extensive Branding, Prestige, Targeted Marketing and Social Activities.
Platinum Sponsors
Established in 1991, Unicorn Capital Menkul Değerler A.Ş. (Unicorn Capital Turkey, formerly Inter Yatirim Menkul Değerler) ranks among Turkey’s leading financial institutions and is fully licensed by the Capital Markets Board (CMB) to undertake a broad range of investment banking activities. The Company was originally the investment banking unit of the Interbank Group but became an independent company in 1996. In January 2007, Unicorn Investment Bank, a leading Bahrain-based Islamic investment bank, acquired a 75% equity stake in the Company, including 100% of Class A (Management) shares. Unicorn Capital Turkey offers clients a broad range of investment banking services, including corporate finance, asset management (through its subsidiary Unicorn Portföy, previously known as Inter Portföy) and capital market products and services. The Company’s acquisition by Unicorn Investment Bank leaves it well-placed to offer an enhanced range of innovative and competitive investment products and services tailored to meet the unique requirements of each of its clients. Founded in 2006 in Dubai, Noor Islamic Bank stands as a global icon, transforming the offering and experience of modern Islamic banking to meet the needs of today’s consumers. A full service bank, Noor Islamic Bank delivers the broadest range of products for its consumers, with an emphasis on unique and personalised services. Noor Islamic Bank’s products and services are governed by a Shari’ah Board, comprising leading Islamic scholars with extensive experience and expertise in legal, financial and banking-related matters. Noor Islamic Bank currently has 10 branches across the UAE in Abu Dhabi, Dubai, Sharjah and Al Ain. Please visit: www.noorbank.com
Gold Sponsors
Crescent Asset Management, Ltd. is a fund management firm with its clients primarily based in the Middle East and South America and with co-investment deployment predominantly in developed markets. CAM was formed for the sole purpose of creating a series of Shari’ah compliant and conventional funds designed to give sophisticated global investors special access to the highest quality investments, including private equity, transportation leasing, and developed and emerging markets on a widely diversified basis with a complete alignment of interests. CAM’s investment professionals collectively have over 170 years of significant and complementary experience in the financial services industry.
Silver Sponsors
Turkiye Finans Katilim Bankasi, emanated from the merger of Anadolu Finans owned by Boydak Holding and Family Finans owned by Ulker Group on December 30, 2005. Turkiye Finans, became the leader bank among the participation banks in Turkey and serves to its clients with 137 branches and 2600 employees. Turkiye Finans, who collects funds through current and profit/loss accounts and utilizes these collected funds for meeting the needs of both corporate and individual customers by the means of personal financing, production support, leasing, guarantee letters, offers various financial and banking services in the frame of participation (interest free) banking principles.
Associate Sponsors
Strategic Partner
Official Regional Business Newspaper
Media Parters
At Nur Advisors, LLC, we believe that successful emerging market investments rely upon both opportunity and process. Finding an investment opportunity is only part of the equation for success. In today’s dynamic global environment, a successful investment strategy requires an equally dynamic product that delivers insight into local investment processes, frameworks and conditions. Through our global network of local experts, Nur Advisors provides its clients with the necessary local framework to develop and execute a robust emerging market investment strategy. By focusing on the pivotal sectors that are driving emerging economies forward, we help our clients better navigate today’s challenging investment terrain. The leading sectors in which we consult include the financial services and energy sectors, with niche expertise in Islamic finance and social investment. Through our unique stake-holder driven approach to risk mitigation and value creation, Nur Advisors is guiding its clients towards higher returns in developing tomorrow’s leading markets today.
Time Magazine: TIME has set the standard for leadership, authenticity and authoritative journalism since 1923. Analytical and insightful, lively and engaging, TIME remains the unequivocal leader among newsmagazines and it is the publication more readers choose than any other newsmagazine. With its enormous brand strength and diverse multi-media assets, TIME brings businesses more opportunities for creating full-circle messaging to reach millions of consumers. Everything else is optional – TIME is essential.
Emirates Business 24 / 7
Islamic Banking & Finance: Islamic Banking and Finance is a bimonthly A4 magazine edited in the world-leading financial City of London. Islamic Banking and Finance is a unique publishing initiative that brings together the views and ideas of leading experts around the world in Shariah-compliant financial products and services. Subjects covered include property, takaful, law, software, education, private equity, hedge funds, and special reports, such as the burgeoning growth in law firms in the Gulf and an examination of standards and courses offered around the world to address the shortage of human capital. You can subscribe for the special introductory rate of £30 for four issues or reach our readership with your own highly targeted advertisement. Call +44 1273 725625 or order online from http://www.islamicbankingandfinance.com/ Capital Magazine: Capital Magazine is an English language business and finance practice-based monthly, established in the Dubai International Financial Centre (DIFC). Our publication specializes in providing corporate executives with the tools required to keep them on track with the rapid changes that take place within their respective industries, featuring articles by certified financial and business experts on a broad spectrum of topics - ranging from banking, technology, human capital, risk management to treasury, corporate finance and cash management. Capital, one of the UAE's fastest growing business to business magazines steadily grows in recognition and credibility. For more information please contact: Sales Office on tel: +971 4 295 7790 or on
[email protected] / www.capital-me.com Islamica Magazine: Business Islamica is the first monthly magazine in the UAE that specifically covers all aspects of Islamic business & finance both regionally and internationally based in the Dubai International Finance Centre (DIFC). Business Islamica compliments the exponential growth of the Islamic business and finance industry and acts as a missing link between those with an earnest and widespread desire to understand the system and those who have a wealth of it. The magazine's objective is to spearhead awareness initiatives, heighten knowledge of its core principles & practices and feature the latest developments in the industry.
Official Islamic News Portal Islamic Finance News
Organised by:
IQPC provides business executives around the world with tailored practical conferences, large scale events, topical seminars and in-house training programs, keeping them up-to-date with industry trends, technological developments and the regulatory landscape. IQPC’s large scale conferences are market leading “must attend” events for their respective industries. IQPC produces more than 1,500 events annually around the world, and continues to grow. Founded in 1973, IQPC now has offices in major cities across six continents including: Berlin, Dubai, Johannesburg, London, Madrid, New York, Sao Paulo, Singapore, Stockholm, Sydney, and Toronto. IQPC leverages a global research base of best practices to produce an unrivalled portfolio of conferences. www.iqpc.ae
For more information and full details please contact:
[email protected] or call us on +971 (0)4 364 2975
www.leadersinislamicfinance.com
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Conference 27 -28 May 2008
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IQPC does not provide refunds for cancellations. For cancellations received in writing more than seven (7) days prior to the conference you will receive a 100% credit, subject to a 10% administration fee, to be used at another IQPC conference for up to one year from the date of issue. For cancellations received seven (7) days or less prior to an event (including day 7), no credits will be issued. In the event that IQPC cancels an event, delegate payments at the date of cancellation will be credited to one future IQPC event. This credit will be available for up to one year from the date of issue. In the event that IQPC postpones an event, delegate payments at the postponement date will be credited towards the rescheduled date. If the delegate is unable to attend the rescheduled event, the delegate will receive a 100% credit representing payments made towards one future IQPC event. This credit will be available for up to one year from the date of issue. No refunds will be available for cancellations or postponements. IQPC is not responsible for any loss or damage as a result of a substitution, alteration or cancellation/postponement of an event. IQPC shall assume no liability whatsoever in the event this conference is cancelled, rescheduled or postponed due to a fortuitous event, act of God, unforeseen occurrence or any other event that renders performance of this conference impracticable or impossible. For purposes of this clause, a fortuitous event shall include, but not be limited to: war, fire, labor strike, extreme weather or other emergencies. PROGRAM CHANGES POLICY - Please note that speakers and topics were confirmed at the time of publishing; however, circumstances beyond the control of the organizers may necessitate substitutions, alterations or cancellations of the speakers and/or topics. As such, IQPC reserves the right to alter or modify the advertised speakers and/or topics if necessary. Any substitutions or alterations will be updated on our web page as soon as possible. YOUR DETAILS - Please email our Database Manager at
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Key Contributions include: Organisation for Economic Co-operation and Development (OECD), France
Dow Jones, USA
Istanbul Stock Exchange, Turkey
Al Salam Bank, Bahrain
Nur Advisors, USA
Credit Suisse, Switzerland
Jefferies Middle East and North Africa, UAE
International Institute of Islamic Finance, Malaysia
Capital Markets Board, Turkey
Albaraka Türk Participation Bank, Turkey
Heritage Fiduciary Services, Singapore
Opening Keynote Address:
HE Mr. Tayyib Erdogan, Prime Minister Of Turkey Platinum Sponsor
Gold Sponsors
Siraj Capital, UAE
BSEC, Lebanon
The National Investor (TNI), UAE
GMD Global Advisors, Turkey
Khaleeji Commercial Bank, Bahrain
Botho Advisory Group, USA
International Islamic University, Malaysia
Türkiye Finans Katilim Bankasi, Turkey
26 – 29 May 2008, Çirağan Palace Kempinski, Istanbul, Turkey
Standard and Poors, USA
HSBC Amanah, UAE
Unicorn Investment Bank, Bahrain
Vinson & Elkins, UAE
Noor Islamic Bank, UAE
International Monetary Fund (IMF), USA
FWU Group, Luxembourg International Holdings Group (IHG), UAE Crescent Asset Management, USA
Silver Sponsor
ISI Emerging Markets, Turkey Kuwait Finance House, Malaysia Unicorn Capital, Turkey
Associate Sponsor
For more information and full details please contact:
[email protected] or call us on +971 04 3642975
www.leadersinislamicfinance.com
For more information and full details please contact:
[email protected] or call us on +971 (0)4 364 2975
www.leadersinislamicfinance.com