Andrew Fleming is a Partner of Norton Rose Fulbright Canada LLP and is Managing Partner of the Toronto office. He is a member of the Business Law Group of Norton Rose Fulbright Canada LLP and its Banking and Financial Products practice team. He has extensive experience in business law, including banking, company and securities law, and regulatory requirements relating to financial institutions and products, as well as corporate transactions, financings and mergers & acquisitions. In the area of banking law, he has participated in structuring some of the largest corporate credits in Canada and assisted on banking matters related to the ABCP (asset-backed commercial paper) crisis. On the financial regulatory front, Mr. Fleming participated in structuring the first global covered bond programme by Canadian issuer (RBC), and the first ever covered bond issue in Canada, also for RBC. In addition, he participated in the structuring of an innovative structured finance shelf offering for RBC in Canada. In both cases, a detailed understanding of the regulatory environment applicable to financial institutions was required, as well as, an appreciation of the related policy issues. Also has acted as arbitrator in international business matters. Andrew is a Past Member of the Continuous Disclosure Advisory Committee of the Ontario Securities Commission and of the Committee on Corporate Disclosure of the TSX. He was called to the Bar of Quebec in 1975 and to the Bar of Ontario in 1999. He is listed as one of Canada’s leading Capital Markets lawyers in The Legal Media Group Guide to the World’s Leading Capital Markets Lawyers. Andrew also volunteers as a Governor of the Shaw Festival and is Chair of the Advisory Committee of the Ryerson Theatre School. Lori Boyce, CHS is a graduate of Queen’s University, holding degrees in History and Education. Her professional career began in 1981 at Crown Life as a Disability Underwriter Trainee. In the past 34 years Lori has held a variety of executive positions at Aetna, Maritime, and Manulife; she has always had some degree of responsibility for Living Benefits underwriting. Currently she is the AVP of Underwriting, Risk Management, & Research and Development, Retail Markets, Manulife Financial. Lori’s focus is finding creative solutions for individual Disability, Critical Illness, and Long term Care insurance underwriting challenges and providing Living Benefits underwriting input into product development, training and field support. Darrell Jensen is a CA and CPA. He is a partner at Ernst & Young LLP in Toronto, dealing with complex auditing matters on the Professional Standards Group. He is also the Vice-Chair of the Auditing and Assurance Standards Board which sets auditing standards to be followed by public accountants in Canada. Darrell and his partner Dan McHenry have been attending MCC Toronto since 1999. He was previously a member of the Board from 2003 until 2005 and chaired the Finance Committee during this time. He was also a member of the Executive Committee.