Khusro Saeedi

Clarification of Goods and Services Tax (GST) / Harmonized Sales Tax (HST) with respect to the treatment of financial services. AI, with respect to the regulation of AI in financial institutions and insurance, and use and protection of data and information. Infrastructure investment, with respect to institutional investment and government partnerships. Healthcare policy and potential legislation relating to employee benefit programs and the cost of pharmaceuticals, and healthcare policy related to virtual care services The Personal Information Protection and Electronic Documents Act with respect to privacy, customer data, and data security Taxation - discussion of taxation policy for financial institutions. Review of the Proceeds of Crime (Money Laundering) and Terrorist Financing Act as it relates to insurance contracts. Pension and Retirement products and income security Guidelines of the Office of the Superintendent of Financial Institutions as they relate to insurance companies. Federal Financial Services legislation review, with respect to Financial Institutions policies, infrastructure, open banking, and financial technology

Healthcare policy and potential legislation relating to employee benefit programs and the cost of pharmaceuticals, and healthcare policy related to virtual care services To ensure that the needs of the financial sector in matters related to human resources as well as its capacity to service customers are properly reflected in legislation, policies and regulations in the context of the COVID-19 public health and economic crisis. The Personal Information Protection and Electronic Documents Act with respect to privacy, customer data, and data security Taxation - discussion of taxation policy for financial institutions. Seeking to raise awareness about prescription drug coverage policy considerations and concerns in context of national universal pharmacare proposals directly and as a participant in the Together for Better Health Coalition. Other related initiatives include high cost drugs for rare disease and PMPRB regulations Review of the Proceeds of Crime (Money Laundering) and Terrorist Financing Act as it relates to insurance contracts. Pension and Retirement products and income security Guidelines of the Office of the Superintendent of Financial Institutions as they relate to insurance companies. Federal Financial Services legislation review, with respect to Financial Institutions policies, infrastructure, open banking, and financial technology Clarification of Goods and Services Tax (GST) / Harmonized Sales Tax (HST) with respect to the treatment of financial services.

Bill C-15 with respect to proposal to change the tax treatment on income earned by Canadian insurance companies on foreign property. Changes programs and policies to increase private sector infrastructure investment and attract foreign capital to Canada Standards for banking (open banking) and regulation of data processing including the use of artificial intelligence. Policies and programs related to Canada trade relations with other countries and Canada's economic competitiveness. Improve the Global Minimum Tax Act to promote international coordination and harmonization on timing and operation. Office of the Superintendent of Financial Institutions and the Supervision of Insurers and Banks in particular to improve the ability of Canadian companies to compete and grow outside of Canada. Insurance Companies Act and regulations to amend the Act to permit greater investment by insurers outside of the financial sector and to improve the ability of Canadian companies to compete and grow outside of Canada. Healthcare policy, specifically in relating to, employee benefits programs, including long-term disability, drug benefit plans and health data standards. Veterans Benefits including programs and policies that provide financial and other assistance to current and former members of the Canadian Armed Forces. Privacy, Human Rights and Insurance including the Privacy Act, Human Rights Act and the Canada Labour Code.

Supporting legislative changes to allow the electronic delivery of governance documents in the financial sector as proposed in the 2024 federal budget. Veterans Benefits including programs and policies that provide financial and other assistance to current and former members of the Canadian Armed Forces. The Pension Benefits Act and the Tax Act including annuities. The Income Tax Act and Budget 2023 proposal to change the tax treatment on Canadian dividends received by Canadian insurance companies. Standards for banking and health data (open banking, health information). Privacy, Human Rights and Insurance including the Privacy Act, Human Rights Act and the Canada Labour Code. Policies and programs related to Canada trade relations with other countries. Office of the Superintendent of Financial Institutions Guidelines on Insurance and Banking. Insurance Companies Act and regulations. Healthcare policy, specifically in relating to, employee benefits programs, including long-term disability and drug benefit plans. Global Minimum Tax Act to promote international coordination and harmonization on the timing and operation. Ensuring the passage of Bill C-27 - the Consumer Privacy Protection Act as drafted by the government. Canada’s system and programs for detecting and deterring money laundering. Access to Hong Kong Pensions for permanent residents of Canada

Loi sur les banques - Dispositions ayant trait à l’organisation, au fonctionnement et à l’encadrement de l’écosystème des coopératives de crédit fédérales en vue de favoriser une concurrence accrue dans le marché canadien. Encadrement du secteur financier, notamment dans une perspective d’assurer un marché concurrentiel équitable pour les consommateurs et au bénéfice de la croissance de l’ensemble des institutions financières canadiennes Sensibilisation à l’adoption d’initiatives gouvernementales nationales pour contrer le vol de véhicules Promotion de la littératie financière auprès des Canadiens en collaboration avec le gouvernement du Canada. Politiques fédérales en matière d'habitation et de logement Évolution de l'encadrement fédéral sur l'adaptation et la résilience aux changements climatiques Encadrement fédéral en matière de lutte contre le recyclage des produits de la criminalité et le financement des activités terroristes, de même qu’en matière de lutte contre l’évasion fiscale. Développement international, concernant l’accessibilité des services financiers diversifiés aux populations moins favorisées de la planète. Assurance-médicaments, en ce qui a trait aux médicaments onéreux, l’établissement d’un formulaire national et l’accès aux médicaments. Administration des programmes fédéraux d'aide gouvernementale

Encadrement du secteur financier, notamment dans une perspective d’assurer un marché concurrentiel équitable pour les consommateurs et pour l’ensemble des institutions financières canadiennes Sensibilisation à l’adoption d’initiatives gouvernementales nationales pour contrer le vol de véhicules Promotion de la littératie financière auprès des Canadiens en collaboration avec le gouvernement du Canada. Politiques fédérales en matière d'habitation et de logement Évolution de l'encadrement fédéral sur l'adaptation et la résilience aux changements climatiques Encadrement fédéral en matière de lutte contre le recyclage des produits de la criminalité et le financement des activités terroristes, de même qu’en matière de lutte contre l’évasion fiscale. Développement international, concernant l’accessibilité des services financiers diversifiés aux populations moins favorisées de la planète. Assurance-médicaments, en ce qui a trait aux médicaments onéreux, l’établissement d’un formulaire national et l’accès aux médicaments. Administration des programmes fédéraux d'aide gouvernementale

Climate Adaptation: Implementation of the National Adaptation Strategy, advancing flood and earthquake resiliency, including the development of a national high-risk flood insurance program and a federal earthquake backstop, flood mapping, weather harden houses/changes in building codes as well as call for more public education programs on flood, wildfire, earthquakes, and other climate risks and climate-resilient approaches to planning and building. Taxation: Impacts of tax rules and regulations on Canadian insurers Infrastructure Investing: Engaging with government on regulatory and prudential considerations affecting investment in climate resilience and infrastructure, including regulations related to capital requirements. Co-op Sector: Commit resources to build capacity in the co-op sector and promote co-operatives as a sustainable and well understood business model that can have significant impact on the economy. Resilient and Low-Carbon Economy: Call upon the Government to create a framework to catalyze the deployment of private capital for climate-related capacity building and supporting a stable and reliable sustainable finance market. Support policies that catalyze a broad societal partnership to improve community resiliency. Health care: Support affordable prescription drug system for Canadians. Auto theft: Advocate for implementation of the national auto theft strategy, led by the federal government, in co-ordination with provinces and territories; empower and invest in the Canada Border Services Agency; break down informational silos through expanded sharing of intelligence and customs information; harmonize Canadian vehicle export policy with international best practices; and modernize the country’s outdated anti-theft vehicle standards.

Climate change adaptation: Working with Federal government and other partners on climate adaptation policies, and specifically to define and build a marketplace for partnerships and private investment in infrastructure projects that support community resiliency to climate change risks.

Engage with government on the impact global events and policies have on Canadian financial services. Provide input on legislation and policies related to financial fraud and scams including perspectives on the National Anti-Fraud Strategy Engage with government on commitments made in Budget 2025 related to increasing competition and affordability for financial services. Provide input on the range of tax filing services available to Canadians as the Canada Revenue Agency (CRA) develops its automatic tax filing plan. Provide input on the federal Financial Sector Legislative Review, including sharing perspectives on the digitalization of money Engage with government to share our experience with registered savings accounts (including the FHSA) Engage with government to ensure Retail Payments Activities Act Regulations reflect existing requirements for prudentially regulated financial institutions including those regulated at the provincial or territorial level. Engage with government support the implementation of open banking, payments modernization and the real time rail with a focus on benefits for individual Canadians and small businesses Bill C-27, Digital Charter Implementation Act as it relates to data portability, privacy and enabling consumer benefits of open banking

Flood: Advancing flood resiliency, residential overland flood insurance, flood mapping, weather harden houses/changes in building codes, and more public education programs on flood risks to address risks that Canadians face. Climate change adaptation: Working with federal government and other partners on climate adaptation policies, and specifically to define and build a marketplace for partnerships and private investment in infrastructure projects that support community resiliency to climate change risks.

- Employment and Training, & Small Business - To pursue mission-driven activities and outcomes that are aligned with our strategic objectives of advocacy, collaboration, and communication. To ensure Canada remains a world-class home and educator of financial and investment talent. - Education - Discussion on and expansion of the retirement security of Canadians through retirement planning, public and registered savings and pension plans, annuities, and other savings and investment incentives or programs, including related research. - Privacy and Access to Information - Discussion of privacy regulation as it relates to regulation of securities, investment management and financial services. Inclusive of data portability, consumer rights relating to personal data, and open banking. - Justice and Law Enforcement & Constitutional Issues: Jurisdictional issues related to the financial services market. To advocate for more effective investigation, prosecution, and generally enforcement of financial-related criminal activity including criminal and quasi-criminal offences including but not limited to securities, money laundering, and terrorist financing. - Consumer Issues & Industry & Taxation and Finance - To advocate for the highest professional standards, integrity, and ethics in the investment industry for the ultimate benefit of Canadians (inclusive of the broader financial services industry), and for generalized tax reform to serve investors, grow investment and productivity, and to ensure the vitality and future of the asset and investment management sectors in Canada. - Internal and International Trade - Advocate for the reduction of interprovincial trade barriers (particularly those related to the asset/investment management industry, financial sector, and related service sectors of the Canadian economy). Advocate for the expansion of international trade agreements to grow the Canadian asset/investment management industry, financial sector, and related service sectors of the Canadian economy. Advocate for an increase in exports of asset/investment management services from Canada to abroad, and to increasingly establish Canada as a world-leading center for these industries. - Environment, Climate & International Trade - Discuss government programs related to sustainable finance and other climate and sustainability-focused matters. - Pensions - Advancing financial market integrity, transparency and protection for investors and financial consumers. - Taxation and Finance & Financial Institutions - Financial, securities, and other related regulation affecting capital markets, the financial system, investors and financial consumers, including but not limited to: financial reporting; service taxation; systemic risk; education and credentialing; and other associated regulations. - Economic Development - Matters relating to the growth and financial stability of the Canadian economy, and the regulatory elements thereof including systemic risk-related regulation. Advocate for entrepreneurship, productivity, and growth of the investment/asset management sector in Canada. - Budget - Advocate for the financial literacy, retirement security, and well-being of Canadians, and the support of the asset management industry as a strategic industrial policy priority for Canada. - Labour & Immigration - Pursue further recognition of CFA Program/charter and other similar educational or credentialing programs. - Financial Institutions - Discuss matters relating to corporate governance, board composition, and disclosure, particularly with respect to diversity.

Engage with the Government of Canada on public policy matters affecting the property and casualty insurance sector, with the objective of raising awareness of industry-related issues and providing informed input to support a resilient Canadian economy and a competitive financial services sector. Advocate for a national auto theft strategy led by the federal government, in coordination with provincial and territorial partners. Support investments in climate adaption to protect Canadians from the effects of severe weather, a public-private partnership to stand up a national flood insurance program for high-risk residential properties, and a public-private partnership to protect Canadians from a major earthquake. Engage on the Office of the Privacy Commissioner of Canada consultation on proposed federal privacy legislation reforms to implement Canada's Digital Charter.

DEMUTUALIZATION REGULATIONS UNDER THE INSURANCE COMPANIES ACT WITH RESPECT TO CORPORATE STRUCTURAL MATTERS AND RELATED TAXATION ISSUES.

Discussions concerning policies, that relate to Canadian defense spending, including opportunities to Canada's automotive sector Auto Innovation Fund, Strategic Innovation Fund, Strategic Response Fund, and R&D/Innovation Funds: Financial assistance and funding with ongoing manufacturing investments in Canada for vehicle and engine manufacturing facilities and R&D centres. Discussions about federal efforts to address automotive theft as they relate to vehicle tracking, law enforcement collaboration, and regulatory measures. Discussions about Transport Canada’s connected vehicle security policies as they relate to industry standards, cybersecurity risks and regulatory compliance Review of Canada's Bank Act and financial regulations in Canada U.S. policies regarding the auto sector as it relates to Canadian automotive, steel, aluminum and critical mineral exports and imports. U.S. policies regarding tariffs as it relates to Canadian automotive, steel, aluminum and critical mineral exports. U.S. policies regarding trade as it relates to Canadian automotive, steel, aluminum and critical mineral exports. Provide an overview of Canada's integrated auto sector and Canada's role in the global auto sector Promote investments and improvements to new and existing trade infrastructure to support the automotive manufacturing supply chain. Ensure an automotive strategy provides for a competitive environment that encourages maintenance of current and new automotive investment. Discussion concerning policies that relate to import and export of vehicles and parts, including impact on Canada's automotive sector and national security. Discussions concerning investments in Canada as it relates to automotive and automotive parts manufacturing, EV battery and EV battery supply chain manufacturing, critical minerals, including incentive support and taxation. Budget recommendations related to attracting investment to Canada, business competitiveness, taxation, grants and incentives, and any other policies or regulations related to automotive sector, advanced manufacturing and R&D Discussions regarding transportation, vehicle electrification and reducing greenhouse gas emissions, including the government's light-duty Zero Emission Vehicle (ZEV) sales mandate regulation, ZEV charging and refueling infrastructure development, and consumer issues. Discussions related to the broad range of electrified vehicles and multi-energy technologies Discussions regarding consultations, policies and regulations related to technology and IT Communications Discussions regarding consultation, outreach, policies and opportunities related to investment, development, export/import of critical minerals Transportation system policies and disruptions, CBSA Assessment & Revenue Management (CARM); Beyond the Border; Trusted Trader; Customs Self Assessment (CSA); support border policies and administration by CBSA supports and enhances trans-border shipments of goods, cross-border movement of workers who perform essential services, and security. Trade agreement negotiation and policies/regulations/tariffs related to import/exports to support the Canadian automotive sector Bilateral and plurolateral trade agreements comprehend the North American integration of the Automotive industry USMCA: Participation in consultation group in the renegotiation of the United States, Mexico, Canada agreement, administered by Global Affairs Canada. Technology Partnerships Canada (PSIP Project 494063 - Government Support to Renew Oakville Assembly Complex) Section 232 - Participating in discussions to highlight impact of steel and aluminum tariffs on Canadian automotive industry Pan Canadian Framework on Clean Growth and Climate Change: Participation in working groups (ZEV strategy) administered by various ministries including ISED, Natural Resources Canada and Transport Canada. Other trade agreements (ie: Mercosur, China) - Participating in working groups to promote fair trade agreement supportin