CLHIA-ACCAP

3 counteract these has been, and will continue to be, a priority for the Association. All in all, this has been an extremely interesting year, full of new challenges on so many fronts. We are going to need our collective efforts through the CLHIA more than ever to be able to navigate through the increasingly complex landscape ahead. In closing, I would like to thank my fellow Board members for their support over the past year. Their engagement on the issues and many thoughtful contributions reflect their commitment to the ongoing success of our industry. I am grateful for the opportunity to have played a role in leading our efforts this year. Mary Forrest February. Further, our industry's intent and credibility are being reinforced by member companies' public adoption already of one of the recommendations on incentive travel. Minding the store While the public focus has been on the industry from a social policy perspective, the Association still has to take action and maintain forward momentum in the many areas that have an impact on our business operations. This includes industry work on the new OSFI and AMF 2018 capital framework; the changes to the Winding Up and Restructuring Act; providing input to the International Accounting Standards Board as it completes the drafting process on the final insurance Standard; as well as a variety of industry taxation matters. Further, the emergence and growth in cyber threats and our regulators' increasing focus on shoring up the financial services sector's ability to Chair's Message Board of Directors President's Message Review of the Year's Results Members CLHIA Code of Member Service CLHIA Officers

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