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August 2018 O N T A R I O M U T U A L S Fall Farm Shows are Coming Up Details and Dates Pg 5 N E W S L E T T E R MEET THIS YEAR S QUEEN OF THE FURROW PG 44 Farm 911 An Important Project pg 42

Summer s here for a good time not a long time We hope you re all enjoying your summer whether that means cottaging camping or enjoying long relaxing weekends But time does fly when you re having fun We ve got a lot coming up in the coming months including the farm shows our Fall education schedule the IBAO Convention and the P M Conference Our member companies have been as busy as ever too and we re happy to continue to share all of the milestones and successes that make the Mutual system as remarkable as it is 2

OM 5 In this issue August 2018 Get Details On This Year s Farm Shows FEATURES 4 6 12 A MESSAGE FROM OMIA S CHAIR Brad Vanstone NEW TEAM MEMBERS Welcoming New Faces to the Mutual System GIVING BACK How Mutual Companies are Supporting their Communities 24 MILESTONES 26 ACCOMPLISHMENTS 28 OTHER NEWS 35 LEARN MORE ABOUT OMIA 37 RETIREMENTS 40 APPOINTMENTS POSITION CHANGES Recognizing Significant Anniversaries Celebrating Achievements in the Mutual System More Mutual News Featuring the HR Department Celebrating Those Who Have Helped Ontario Mutuals Thrive 32 Transforming the Mutuals 44 42 FARM 911 THE EMILY PROJECT 46 EDUCATION CALENDAR 47 IN MEMORIAM An Initiative to Help Rural Families OMIA Education at a glance Farm Mutual Re s Annual Slo Pitch Tournament Team Photos Remembering Our Mutual Family Members

A Message from OMIA s Chair Brad Vanstone I would like to take this opportunity to thank the membership for the privilege of representating the mutual system for the past four months I have enjoyed it and learned so much about the great system we all represent In June I was fortunate to attend the MAMIC Convention in Summerside PEI and experience all the east coast hospitality they are so famous for The conference was very informative and educational I also had the opportunity to attend the NAMIC Managers Conference in San Diego California which also provided to be very informative COMPASS 2018 is a Compass Planning year and the session was held in July in the Niagara Area I found this year s event to be a new reset on how a planning session is done The sessions were very exciting and demanding with all members enthusiastically engaged This was the most time efficient of any Compass Planning sessions I have attended CLIMATE CHANGE This year seems to be very challenging for all the mutuals The weather patterns are not like any I can ever remember in my life It makes us all realize how fortunate we are to be so financially strong in our combined mutual system It also makes me realize that we have a lot of planning to do if this type of weather will be the norm in the future EMBRACING YOUTH TECHNOLOGY Regarding this year s theme of Embracing Youth and Technology I would like to take this opportunity to encourage all our Mutual Companies to open your doors to Co op students from your local school programs This will give you the opportunity to help a student as well as put our unique insurance model in front of a younger generation This opportunity opens the doors for our youth as well as provides us with new perspectives about technology that is growing by leaps and bounds every day 4

P M It s hard to imagine but the planning for the P M Conference in October is well underway The P M will be held in Niagara Falls and I always look forward to meeting with fellow mutual representatives Dynamic guest speakers are lined up and as usual it will be a great opportunity to talk to each other about the ways and means to help our Mutual Companies Networking together always helps us to move forward in the right direction for our policyholders I look forward to seeing you there October 21st to 23rd In closing I would like to thank you all for your continued support as I represent our Mutual system Canada s Outdoor Farm Show September 11 13 Woodstock ON This year is the 25th year of Canada s Outdoor Farm Show and Ontario Mutuals have been participants since day one Located in the FCC Industry Pavillion FCC 5 participants at our booth will meet and greet visitors and share the Ontario Mutuals story International Plowing Match Rural Expo September 18 22 Pain Court ON Ontario Mutuals are a proud presenting partner of the IPM With a 60 x100 tent packed with entertainment including a prize wheel a variety of children s games and a photobooth this event is sure to be a memorable one Participants including company directors managers and staff including agents are needed to support the Mutuals and make this event a huge success For more information or to sign up to participate please visit omiaevents com IBAO Convention October 17 18 Niagara Falls ON This Convention has set the standard for providing the most powerful networking opportunity available to Insurance Brokers OMIA Marketing will be supporting this important event again on behalf of Member Companies This includes activity at the trade show booth and hospitality night Visit omiaevents com if you would like to participate President s Managers Meeting October 21 23 Niagara Falls ON As always the President s and Managers meeting will feature thought provoking speakers and the opportunity to network with other Mutuals This years meeting is taking place in Niagara Falls More information to follow Questions Concerns Please e mail marketing omia com August 2018 5

FARM MUTUAL RE is pleased to announce and welcome Lisa Fazzari as Assistant Vice President of Claims Lisa joined the team April 25th She is responsible for the leadership of Claims Services in delivering strategic services to our members and managing reserving risk Lisa is an experienced senior insurance professional with over 23 years of progressive knowledge in the insurance industry She has a proven track record linking corporate vision to the delivery of desired results through positive people empowerment and the effective use of resources and processes The majority of her career has been spent at Economical Insurance in various leadership roles overseeing property automobile casualty and accident benefits lines of business Lisa has obtained her CIP Honours designation and holds a Bachelor of Science in Nursing We re looking forward to Lisa continuing the strong leadership of our claims team supporting the sustainability and independence of the mutual community Welcome Lisa NEW TEAM MEMBERS Welcoming New Faces to the Mutual System 6 KENT ESSEX MUTUAL Marilee King has joined Kent Essex Mutual in the role of Junior Accountant She has come to us with over 23 years of banking experience having previously worked for a major bank She is enjoying her new position and is thrilled about joining the Kent Essex team FARM MUTUAL RE The Claims Department is happy to welcome back Jackson Smith to Farm Mutual Re Jackson returned to the role of Claims Intern for a 4 month period beginning May 7th Welcome back Jackson NORTH KENT MUTUAL North Kent Mutual is pleased to welcome Dana Bedell Dana joined the Underwriting Department in February

NEW TEAM MEMBERS FARM MUTUAL RE As Farm Mutual Re continues to support our succession planning and strategic planning efforts we are pleased to announce the appointment of Jennifer Allan who joined the Human Resources Department on April 23rd In her role as Chief People Officer Jennifer joined the Farm Mutual Re executive team leading the Human Resources Department by developing a Human Resources framework to support our Strategic Plan In addition the Communications Department will transition under Jennifer s direction to focus on a corporate wide communications strategy Her focus will be to identify assess acquire develop and sustain the workforce knowledge skills capabilities and resources needed now and in the future to accomplish our strategic goals Jennifer will be working closely with Marilyn Paquette who will be retiring in October Jennifer is a senior leader with a Master s Degree in Human Resources Management She is a Certified Compensation Professional and has also achieved an Honors Bachelor of Business Administration Jennifer held various Human Resources and Corporate Communications leadership roles with Economical Mutual for over 18 years and her most recent role was Vice President People and Strategy at St Joseph s Health Centre in Guelph KENT ESSEX MUTUAL We re pleased to welcome Lisa Kinart as a new member of our Claims Department Lisa has over 10 years experience as a paralegal and AB Adjuster and is a great addition to the team KENT ESSEX MUTUAL is pleased to announce that Erin Eltervoog has joined the Auto Underwriting team Prior to joining the insurance industry Erin worked for 13 years as a Speech Therapist She became an Associate Insurance Advisor in 2016 Erin is actively working toward her CIP designation FARM MUTUAL RE On March 5th the IT Department welcomed Hanif Sohani to Farm Mutual Re Hanif has joined the IT Department in the role of Software Development Team Lead He brings 33 years of experience with him most recently in the role of Senior Systems and Software Architect with Crawford Company OMIA Ontario Mutual Insurance Association OMIA welcomes Jennifer Higuchi FCIP CRM BA Economics as Insurance Resource Officer Jennifer joins OMIA with a strong insurance background including underwriting property and automobile lines analyst and special projects responsibilities Welcome Jennifer FARM MUTUAL RE On April 30th the Analytics Services Department welcomed Kevin Lu to Farm Mutual Re Kevin joined us for a 4 month term in the role of Actuarial Analyst Co op Kevin is working toward completing a double degree in Honours Bachelor of Business Administration from Wilfred Laurier University and Honours Bachelor of Mathematics from the University of Waterloo He also has previous co op experience working with the London Life Insurance Company and most recently with John Hancock Financial INSTITUTIONAL PERFORMANCE REPORT REPORTING MANAGERS 300 FIXED INCOME PRODUCTS 200 5 distinct investment universes dedicated to Fixed Income solutions Due diligence at your fingertips Easily compare the performance and risk profiles of Investment Managers To request a COMPLIMENTARY subscription call Craig 905 842 4242 x26 charrison gmr ca August 2018 7

NEW TEAM MEMBERS SOUTHEASTERN MUTUAL We ve been busy here over the last year and have some new members on our team Please join us in welcoming the following people to our Mutual family Shannen Innis Data Entry Processor Chris Haborne IT Specialist Bill Mitchell Loss Control Specialist Mike Robins Loss Control Specialist Pierrette LeBlanc Senior Field Claims Adjuster Tim Steeves Underwriting Manager Emily Boss Administrative Assistant 8 Jesse Francis IT Specialist HOWARD MUTUAL We re pleased to announce that Nikki Preston joined the Howard Mutual Team on June 20th as a Claims Administrator Nikki has an extensive legal background as a Paralegal Legal Assistant and worked as an Office Administrator Nikki lives in Ridgetown with her husband six children and four dogs She is a certified Health and Safety Rep and a Therapy Dog handler HOWARD MUTUAL Carolyn Rickman joined the Howard Mutual team on July 3rd as our Executive Assistant She has a Business Certificate from Lambton College and a Business Marketing Diploma from Fanshawe College Carolyn comes to Howard with 13 years of administrative and accounting experience and seven of them have been within the Mutual system Carolyn resides in Florence Ontario with her husband and two children She enjoys travelling camping and spending time with her family USBORNE HIBBERT MUTUAL We are pleased to announce that Tyler McNaughton joined us on January 8th as an Underwriting Trainee Tyler is a graduate of the Business Insurance Program at Fanshawe College and he is working on completing the CIP program in the near future Tyler lives in Exeter and in his spare time is the Assistant General Manager of the Exeter Hawks the junior C hockey team We are fortunate to have Tyler join U H

NEW TEAM MEMBERS NORTH KENT MUTUAL We re happy to welcome summer students from left to right Victoria Taylor Ryan Ellis Brianna Falconer and Cole Ennett Missing Brynn Depencier WEST ELGIN MUTUAL We would like to welcome three new Agents to the team Andrew Pearson Andy McTaggart and Andrew Schneider Five of our Agents go by the name Andrew or Andy It s fun in an Agents meeting when you ask Andy to speak and they all answer at once Great to have you on board guys USBORNE HIBBERT MUTUAL Usborne Hibbert has a newly restructured sales force and we re very pleased to welcome Dave Boersma Andrew Carruthers and Skyler Fischer to the company The new Agents join the veterans Becky Case and Julia Simpson to form a vibrant sales department Dave Boersma joined the company last November and is a lifelong resident of Exeter He lives on the family farm with his wife and four children As a poultry farmer he provides lots of ag expertise to both Underwriting and Sales Skyler Fischer joined the company in January and is a graduate of Humber College with a Business Administration Professional Golf Management Diploma and Fanshawe College with Insurance and Risk Management Skyler worked as a Broker prior to joining us as an Agent He lives in Arva with his girlfriend Andrew Carruthers also joined U H in January Andrew is new to the field of insurance however he is an experienced sales professional He has his BA from Western University and lives in Granton with his wife and three children We are very excited to have such a well rounded dynamic Agent force that will help achieve the strategic goals and direction of the company OMIA The Ontario Mutual Insurance Association welcomes Janet Schmidt FCIP CRM as Training Research Officer Janet joins OMIA with a strong mutual insurer background in underwriting including the development of coverage documents and underwriting guidelines In addition to her insurance credentials Janet is a graduate of the Teacher Trainer of Adults program through Conestoga College Welcome Janet August 2018 9

NEW TEAM MEMBERS BRANT MUTUAL Rounding up our starting line up at Brant Mutual Insurance Company s is John Powell our newest acquisition to the team in the position of Claims Manager With the retirement of Brant Mutuals former Claims Manager Karen Sunter we were very fortunate to get someone with John s experience and compatibility to the team Here at Brant we knew it was going to be very difficult filling Karen Sunter s shoes as an excellent Claims Manager she was such a big part of Brant s professional culture so when we were able to secure John we felt we hit the jackpot said Brant Mutual President and CEO Jason Cybulski Adding finding someone with John s Claims background is a huge win for Brant Mutual John graduated the Insurance Program at Mohawk in 1989 starting his career as an Independent Adjuster at a regional firm in Hamilton As a partner at the firm until December 2016 John went on to work for a national independent adjusting firm in the Major Complex Loss division Bringing extensive knowledge in the handling of general liability bodily injury municipal liability property product liability and E O claims John brings a lot to Brant s ever growing future Residing in Hamilton with his spouse Lisa who is also in the industry they have two grown daughters and enjoy various outdoor activities throughout the year Welcome to the team John BRANT MUTUAL Up to the plate is our newest Account Representative Tim Sogan Brant Mutual Insurance Company is so pleased to have been able to secure Tim for the A team Tim was born and raised in Hamilton Ontario and while life has taken him to many destinations he always finds his way back home to the community that he cherishes Prior to joining Brant Mutual Tim was employed in customer service and hospitality for 14 years and prides himself on attention to detail and a willingness to help Tim s team first mentality has allowed him to enjoy sports at a highly competitive level which is one of his great passions as well as acting as a cornerstone of player development instilled in youth he s coached Both of which will work very well on the Brant Mutual baseball team Tim graduated Mohawk College McKeil School of Business Insurance Program and is actively completing the Chartered Insurance Professional Designations to ensure he can assist our Brant Mutual clients to the highest degree Sometimes when you meet someone you just know they are the right person for the right job at the right time and we hit it out of the park getting Tim on board boasts Brant Mutual President and CEO Jason Cybulski Adding finding someone with Tim s client skills and keen understanding of insurance means that we have created a Client Team that is focused professional and always ready to hit the ground running Welcome to the team Tim 10

NEW TEAM MEMBERS BRANT MUTUAL Brant Mutual Insurance Company is pleased to welcome Jeffrey Barnard to the team in the position of Controller Jeff s background begins with graduating from the Sheridan College Business Administration Program He joined the Farm Mutual Reinsurance Plan FMRP now known as Farm Mutual Re in 1990 where he worked as an Accountant Reinsurance Analyst Being promoted to Reinsurance Manager and later became Assistant Vice President Reinsurance Jeff had major responsibilities and developed relationships with a vast network of reinsurance and insurance professionals both across Canada and in the USA CEO Jason Cybulski said We are extremely pleased to have someone with Jeff s background joining our company He has had significant reinsurance responsibilities in the past with Farm Mutual Re and has consistently developed positive relationships with his staff and senior management both there and among its member companies Jeff s recent work and success while on a contract with South Easthope Mutual has contributed to our belief he will be a great fit within our Brant Mutual Team Jeff and his wife Heather reside in Kitchener and have three grown daughters They have one grandchild and another arriving very soon He has always been very involved with his family and enjoys playing volleyball golf and cottage life on Lake Huron He was also a positive addition to our Brant Mutual baseball team that participated in the recent Farm Mutual Re fun ball tournament Welcome to the Team Jeff August 2018 11

ONTARIO MUTUALS GIVE BACK How Mutual Companies are Supporting their Communities BCM INSURANCE The BCM team dug in at their first Dragon Boat Festival held at the Welland International Flatwater Centre Our 25 person team joined over 2 000 participants at the 16th annual event We had a lot of fun and a few sore muscles the next day It was a great event to raise money for local charities 12 TOWN COUNTRY MUTUAL Town Country has committed an annual donation of 10 000 to Four Counties Health Services Foundation for five years www fchsfoundation ca Pictured Foundation members receive a cheque from Board Chair Errol Butler middle left and President CEO Rob Pearson far right

GIVING BACK HALWELL MUTUAL Guelph s annual Hope in the Street festival is in support of Lakeside HOPE House and this is the second year in a row that Halwell Mutual has been a major sponsor This year we teamed up with our broker partners Jeffery and Spence to be the entertainment sponsors Everyone had a lot of fun ate great food and listened to some awesome music all for a great cause KENT ESSEX MUTUAL We recently donated 2 500 to Golden Acres Hockey School which is a non profit organization that offers a summer program for youth It provides physical activity through team oriented sport nutrition training and education sessions at the Blenheim Arena FARM MUTUAL RE Our staff was proud to support the Humboldt Broncos hockey team by wearing jerseys to work on April 12th A donation was made to the team on behalf of Farm Mutual Re EDGE MUTUAL Edge Mutual staff also participated in April s Jersey Day in support of the Humboldt Broncos FARM MUTUAL RE OMIA Our Green Team plants and maintains a vegetable garden in the back of our building that is used to supply fresh produce to the local food bank This year we had a number of volunteers come out and participate to plant the garden Participating gives volunteers the opportunity to get outside give back to the community and practice healthy habits They plant weed harvest and drop produce off to the food bank throughout the summer Thanks Green Team April 2018 13

GIVING BACK TRADITION MUTUAL Since the last OM News edition Tradition Mutual became the first major corporate sponsor of the Stratford Perth Rotary Hospice We re happy to announce that we donated 150 000 towards the building of an eight bed hospice located in Stratford There was a ground breaking ceremony on June 21st to celebrate the start of this worthwhile project We are so grateful to be a part of a project that will bring these services to the communities we serve ERIE MUTUAL Erie Mutual was once again the major sponsor for the Haldimand Norfolk Crime Stoppers 17th Annual Spring Dinner Auction Fundraiser held in Jarvis Ontario There were approximately 85 guests which included representatives from Cayuga Mutual Wabisa Mutual and Erie Mutual Knechtels of Port Dover catered with their renowned Lake Erie perch dinner Silent auction tables and the live auction helped to contribute to the monies raised for the evening Once again our Mutuals kept strong the tradition of neighbour helping neighbour BAY OF QUINTE MUTUAL We hosted our 25th annual charity golf tournament on June 13th at Timber Ridge Golf Course in Brighton Ontario One hundred and sixteen people including Bay of Quinte Mutual s directors staff mutual friends brokers and business partners participated in fundraising activities and generously donated to this year s charity The proceeds from the tournament were donated to Almost Home in Kingston Executive Director Laurie Morgan was thrilled to accept a cheque in the amount of 11 372 In thanking the participants Laurie noted that a cheque of that amount is huge to Almost Home as it receives no government funding and relies completely on donations Almost Home provides a comforting place to stay for the parents and siblings of children receiving care in one of the three Kingston hospitals They are able to help 11 families at any one time 14 KENT ESSEX MUTUAL We re happy to have made a donation to Chatham Outreach for Hunger which is a non profit charitable organization that provides nutritious meals for families in crisis

GIVING BACK WESTMINSTER MUTUAL On May 10th Westminster Mutual staff prepared a delicious taco meal for the guests of Ronald McDonald House in London Ontario Pictured from left to right in the group photo are Julie Farquhar Paul Montgomery Robyn Street Tim Wade Jennifer Hare Christine Van Daele Kelly Jackson and Jeff Wettlaufer NORTH BLENHIEM MUTUAL We re pleased to support the Drumbo Lions Club as they fundraise for a new splash pad in Drumbo to be completed later this summer SABS Claims Li ga on TOWN COUNTRY MUTUAL Team Town Country consisting of Deanna Ferguson Tineke DeJong Jennifer Timmermans and Chris Hodgins they are in the green shirts and are all Graduates of North Middlesex District High School participated in One Run a fantastic event that raises funds to help the fight against cancer Commercial Claims Economic Loss Claims Jessy Hawley CPA CGA CFF CIP Gary Phelps CPA CMA CFF CFE advisoryservices davismar ndale com 1 800 668 2167 INDEPENDENT MEMBER FIRM August 2018 15

GIVING BACK MIDDLESEX MUTUAL We celebrated the completion of our new office building with an Open House and Ribbon Cutting Ceremony held on June 21st in Ilderton Ontario This event was combined with our annual Community Appreciation BBQ which we were able to host on location for the first time Many children enjoyed face painting balloon twisting and glitter tattoos while the adults appreciated complimentary maple syrup from a local provider A special mention to the Ilderton District Lions Club who prepared many many hamburgers and hot dogs from their food trailer helping to make our event a great success Also in attendance were members of the Ilderton Fire department and the St John s Ambulance Therapy dog team Cutting the Ceremonial Ribbon Left to Right Nancy Preston President CEO Jason Wedlake Norlon Builders Project Manager Ken Filson Past Chair of the Board Paula Bodkin Board Director Bev Shipley MP Kevin McIlmurray Spriet Associates and Al Edmondson Ilderton Mayor We had a great turnout and would like to thank all of our Ontario Mutuals friends policyholders and community members for their overwhelming support WEST ELGIN MUTUAL Construction of the Dutton Splash Pad is now one step closer to beginning thanks to a 10 000 donation from West Elgin Mutual Insurance HOWICK MUTUAL We re proud to support the Howick Township Fire Department s door to door smoke alarm campaign This project is aimed at educating Howick Township residents about the importance of having working smoke alarms The department will install smoke alarms in homes that need them or have outdated units The cheque was presented by Nick Doelman Chair of West Elgin Mutual second from left and accepted by Duncan McCallum and Don Campbell on behalf of the Dutton Lions Club and Cameron McWilliam Mayor and Bob Purcell Deputy Mayor on behalf of the Municipality of Dutton Dunwich 16 Thank you to the Howick Township Fire Department for all they do to keep their community safe

GIVING BACK HEARTLAND FARM MUTUAL Heartland sponsored the Waterloo Rural Women s 22nd Annual Children s Farm Safety Day Over 130 people participated in the event Children learned about fire safety large animal safety large machinery safety ATV safety and chemical safety DUFFERIN MUTUAL Dufferin Mutual announced a 10 year 50 000 commitment to support the Headwaters Health Care Foundation at its 2018 Annual General Meeting Peter Varga Vice President of Patient Services and Chief Nursing Office at Headwaters commented This is a remarkable contribution allowing us to make long term improvements at Headwaters Health Care Centre to enhance diagnostic and treatment experience for everyone who turns to Headwaters for medical care The Ontario government does not fund the purchase of medical equipment for hospitals Every piece of equipment used in the diagnosis and treatment of patients from wheelchairs to delicate surgical instrumentation to monitors and x ray machines are purchased using funds donated by the community Each year Headwaters purchases approximately 2 million worth of new and enhanced medical equipment to serve the health care needs of around 135 000 people who live in Dufferin County and the surrounding areas Ed Forbes President and CEO of Dufferin Mutual remarked As a corporate citizen for over 100 years Dufferin Mutual is proud to partner with the hospital for the betterment of the community in which we work and do business SOUTHEASTERN MUTUAL SouthEastern Mutual participated in the Annual Children s Wish Mini Putt in Downtown Moncton on June 16th Our team won for Most Funds Raised and Best Score but the real winner was the child whose wish will be granted with the funds raised Over 13 000 in total KENT ESSEX MUTUAL K E was happy to sponsor the Annual ChathamKent Hike for Hospice event on April 29th August 2018 17

GIVING BACK AYR FARMERS MUTUAL After much planning and preparation we hosted a Family Fun Fest at the North Dumfries Community Center in Ayr on June 16th in celebration of our 125th anniversary This was a free all ages event and was open to everyone to attend Approximately 1 700 people from all over southwestern Ontario listened to live music enjoyed a bbq lunch and played a number of different games and activities Thank you to everyone who took part AYR FARMERS MUTUAL As a continued celebration of our 125th Anniversary we donated 125 oak trees to parks churches libraries and other public spaces in our surrounding communities This particular tree is special to us as our logo is adorned with an oak leaf We were happy to be able to include the Ontario Mutual Insurance Association OMIA and Farm Mutual Re on our list of recipients These organizations are key players in the history and successes of our Mutual family Pictured with one of the two donated oak trees from left to right Jeff Holmes Ayr Jeff Whiting Ayr John Taylor OMIA and Steve Smith Farm Mutual Re 18 BCM INSURANCE An adventurous team from BCM Insurance participated in the Niagara Mudfest Challenge sponsored by the Rotary Club of Fonthill The money raised went to Big Brothers and Big Sisters of Niagara This was a great way to show our community spirit while raising funds for a wonderful cause Our BCM team consisted of from left to right Anna Campbell Russell Perkins Marey Martin Heidi McKenna and Kerry Morneau

GIVING BACK TRILLIUM MUTUAL Our ROOTS community fund is pleased to announce financial support of 25 000 to KidsAbility Centre for Child Development This organization is recognized as a leader in expert pediatric rehabilitation for children and youth Currently programs are offered in Kitchener Waterloo Cambridge and Guelph TRILLIUM MUTUAL For the 26th straight year Trillium Mutual along with co sponsors Waterloo Brewing ran a very succesful fundraiser supporting Crime Stoppers of Grey Bruce This year s event was held on June 1st at the Saugeen Golf Club in Port Elgin and 25 000 was raised for this great cause As in past years we had a few celebrities at the event The infamous sportscaster Brian Williams was the keynote speaker and Hockey Hall of Fame goaltender Billy Smith also took part in the day August 2018 19

GIVING BACK HEARTLAND FARM MUTUAL In the spirit of our iHeartCommunity Fund we are pleased to give a special award to recognize outstanding community involvement and charitable work at the local level Heartland was honoured to present our iHeartCommunity Partner award to Agent Tim Howard and Van Allen Insurance Brokers Each received a donation to the charity of their choice to help support their causes WEST ELGIN MUTUAL We held our 2nd Longest Day of Golf on June 26th and this year five staff members participated in the marathon Kelli An DeCook Matt Ross and Andrew Pearson played 150 holes and John McWilliams and Andy McTaggart walked the course and played 72 holes Support from our local community and also our fellow mutuals was amazing We raised in excess of 8 000 which will go to helping kids in Elgin County participate in activities that due to circumstances out of their control they wouldn t normally have the opportunity to participate in Thank you to everyone who donated and participated in this year s event We couldn t have done it without you 20 DUMFRIES MUTUAL Dumfries Mutual held our sixth annual charity golf tournament on June 21st One hundred and forty four golfers participated in a fantastic day of golf at Savannah Golf Links under beautiful sunny skies The day also included a BBQ lunch live and silent auctions and a steak dinner We were thrilled to raise over 18 000 for this year s chosen charity Ontario Christian Gleaners This organization located near Dumfries new office use surplus produce to help feed a hungry world

E M P L O Y E E A P P R E C I AT I O N HALWELL MUTUAL We launched a staff appreciation initiative called KUDOS Any staff member can nominate any co worker for going above and beyond As a result we ve seen staff become more aware of the great things their co workers are doing on a day today basis across departments and all levels Nominees get their choice of treat with cheesy pun and each month we announce all nominees at our all staff meeting NORTH BLENHEIM MUTUAL We were excited to hold our first Employee Appreciation week to thank our very dedicated and knowledgeable team The goal was to serve up a welldeserved treat for the team each day The pancake breakfast daily coffee service a smoothie bar ice cream sundaes a BBQ lunch flowers and personalized goodie bags were the highlights August 2018 21

GIVING BACK HTM On March 8th we participated in this year s International Women s Day by wearing purple There was 100 participation by staff and directors 350 was raised within the office to support a local charity Cornerstone Family Violence Prevention Centre USBORNE HIBBERT MUTUAL On May 14th we participated in the Heart Stroke Big Bike Ride in Exeter Employees raised 2 050 to help fund research for heart disease and stroke KENT ESSEX MUTUAL is a proud supporter of the Make Children Better Now Association which is an organization dedicated to the betterment of children FARM MUTUAL RE AND OMIA Farm Mutual Re and OMIA took part in the Canadian Cancer Society s Relay for Life on June 1st at Shade s Mills Conservation Area in Cambridge The team was called Together We re Strong and consisted of Paula Georgei Tavia Tobey Christine Senior Rachel Carew Daljit Johal Chris Serran Cynthia White Michelle Manolache Lindsay Johnson Amanda Hawkshaw and Stephen Korsh A cross company BBQ was held on May 24th to help the team exceed their 4 000 goal Overall the team raised an impressive 4 565 TRILLIUM MUTUAL A crew of Trillium staff and their families participated in the North Perth Community of Character run The goal of the run is to bring together the community while promoting health and wellness 22 It was a fun emotional and empowering evening that both organizations were proud to participate in

GIVING BACK TRILLIUM MUTUAL Staffers Michelle Mike Rhonda Robin Amanda and Alex recently volunteered at the Country Heritage Park cleaning the inside and outside of the 140 year old church SOUTH EASTERN MUTUAL SouthEastern Mutual was the presenting sponsor of the Boys Girls Club of Riverview s Annual Diamond Dinner on February 16th Our CEO Shaun MacPhee had the pleasure of picking the lucky winner of the diamond ring In May we were honoured to be recognized as a Community Partner of the Riverview Boys Girls Club DUMFRIES MUTUAL Dumfries Mutual rode the Big Bike for Heart and Stroke on Tuesday June 5th Their team proudly included staff agents and directors They were happy to raise 2 625 which exceeded their goal of 2 500 The funds will primarily go toward medical research to help save lives and support survivors Sherry Weiler and Jeff Gerber volunteered at the Robin in the Hood medieval festival All of this was to support our Trillium Mutual Volunteer Days HALWELL MUTUAL We participated in the Big Bike for Heart and Stroke again this year and this time we showed off our love for the 80 s We teamed up with our friends at Colley Insurance Brokers again to raise over 1 800 for the Heart and Stroke Foundation August 2018 23

HOWARD MUTUAL We would like to extend sincere congratulations to Janette Holmes on 35 years of service ONTARIO MUTUALS MILESTONES Celebrating Achievements in the Mutual System 24 LAMBTON MUTUAL Congratulations to Heather Straatman Lambton Mutual Underwriting Manager for her 30 years of service with the company Heather Straatman began her career with Lambton Mutual on March 7th 1988 For the past 30 years she has worked her way up within the Underwriting Department where she is now the Underwriting Manager She is a Chartered Insurance Professional CIP and holds her Agents Licence At Lambton Mutual Heather is known for her calm demeanor her extensive underwriting knowledge and her computer skills We thank you for your commitment loyalty and dedication

MILESTONES BCM MUTUAL We are thrilled to introduce our new brand officially launched in July Over the years Niagara has changed and we wanted to update our look and brand for new times As you may have seen in previous articles in this issue Bertie and Clinton Mutual Insurance is now BCM Insurance Our new website is www bcminsurance com BCM staff revealed the new logo to their community via a 1003 floatNIAGARA in the Welland Rose ON Festival ST WELLAND 905 735 1234 Parade Because BCM began in 1880 our theme was Rocking the 80s While it rained on our parade it didn t on our spirit BCM Insurance won Best Commercial Entry in our first Rose Festival Parade WEST ELGIN MUTUAL Carrie Woods Auto Underwriter recently celebrated 30 years with West Elgin Mutual Congratulations Carrie here s to the next 30 years WEST ELGIN MUTUAL This picture depicts over 200 years of service at West Elgin Mutual Five out of the seven Carrie Woods Colleen McCready Sandra Leys Serge Lebedz and Paul McWilliam have been with the company for over 30 years Brian Downie celebrated 27 years in April and Dave Balogh 25 years in March This just goes to show that WE Mutual and the whole Mutual Family offer great places to work HTM Insurance hosted a Broker Appreciation Barbeque on May 18th This also marked the 120th anniversary of our company The day was filled with music food good company and raffle baskets made by each company s department in hopes to raise funds for Cornerstone Family Violence Prevention Centre in Cobourg Ontario By the end of the event HTM raised around 1 800 for the nonprofit charity August 2018 25

ACCOMPLISHMENTS Congratulating Mutual Members on Their Professional Developments BRANT MUTUAL Brant Mutual is pleased to have been honoured as one of the first recipients of the CSIO Standards Certification of Compliance Award This award recognizes the value of properly adhering to the CSIO data standards by either minimizing or eliminating the use of custom non standard coverage codes in its download to Brant Mutual s brokers Shinon Kim was on hand to receive the award on behalf of Brant Mutual at the award dinner held by CSIO on April 17th at the National Club in Toronto With over 15 carrier companies seven provincial broker associations the Insurance Brokers Association of Canada and the majority of broker management vendors endorsing this solution the industry response has been nothing short of remarkable says Catherine Smola President and CEO of CSIO Brant Mutual deeply appreciates this recognition and continues to use forward thinking best practice resources to provide the best products and services to our clients TRILLIUM MUTUAL Ross Lamont Chair of the Board of Directors has successfully completed the NAMIC Farm Mutual Director Certification Program FMDC courses are available during the year through host organizations and NAMIC offerings The courses selected are specifically designed to enhance knowledge for Board members that will in turn provide effective strategic direction for the organization The designation also recognizes commitment to education and professionalism Congratulations Ross TOWN COUNTRY MUTUAL We would like to congratulate Chris Meyers for completing the Leadership Certificate offered by the University of Waterloo s Centre for Extended Learning Congratulations Chris HEARTLAND MUTUAL Platinum Partner awards are presented each year to agents and brokerages reaching significant production milestones in their support of Heartland Recipients honoured for the 2017 year included agent Tim Howard Hudson Henderson Insurance Meester PV V Insurance McDougall Insurance and Canada Brokerlink 26

ACCOMPLISHMENTS FARM MUTUAL RE We re proud to announce that we have been selected as one of Canada s Greenest Employers for 2018 This award is a great achievement for all of us and demonstrates that we are committed to making green choices to protect our environment The Canada s Greenest Employers award recognizes employers that lead the nation in creating a culture of environmental awareness in their organizations Selection for award winners takes into consideration the following The unique environmental initiatives and programs developed by the organization The organization s success in reducing their own environmental footprint Employee involvement in these programs and the contribution of unique skills How the organization s initiatives are linked to their public identity and their ability to attract new employees and clients Farm Mutual Re would like to thank all employees for their contributions and commitment in reducing our environmental footprint and for their participation in any activities that earned us this prestigious award GRENVILLE MUTUAL Grenville Mutual Insurance is very pleased to have received the Certification of Compliance award from CSIO as one of 13 qualifying carriers Sending clean data to our brokers systems is an ongoing goal which we take very seriously and applaud CSIO for the recognition among our peers Pictured here is the Grenville Mutual ISD team From left Andrew Asquith Brenda Durham Wendie Noccey and Joshua Boyer Congratulations to the other Mutual companies that received the Certification of Compliance as well Algoma Mutual Brant Mutual Caradoc Townsend Mutual Gore Mutual Kent Essex Mutual McKillop Mutual Norfolk Mutual Peel Mutual Town Country Mutual and Trillium Mutual HTM While attending the OMIA Annual Convention in March HTM members were recognized for many achievements Brandon Watt left received his Accident Benefits Certificate TRILLIUM MUTUAL We were recently recognized by CSIO with a Certification of Compliance Award This award was given to 13 companies to recognize their commitment to sending clean data This shows our continued dedication to creating further work flow efficiencies with our broker partners and improving our members experience Allan Sheppard middle received his Directors Certificate Steve O Connell right received his Leadership Certificate Carolynn Rylance not pictured received her Accident Benefits Certificate HTM Insurance is very proud to have each one of you on our team August 2018 27

OTHER NEWS AND EVENTS MENNONITE MUTUAL Every year Mennonite Mutual holds a Spring Conference during which we provide training to and recognize the service of the volunteers from our member churches It allows us to strengthen the ties with our churches and to report on the financial results of the past year and to conduct the official business of the company including the election of board members during the Annual General Meeting The 2018 Spring Conference was held at the Jasper Park Lodge and was attended by almost 200 people Following a successful year in 2017 which saw us achieve our planned profit target we were able to donate 85 000 to Mennonite Central Committee MCC Alberta This was presented to new MCC Executive Director Thomas Coldwell during the banquet Thomas shared greetings from MCC and brought news about the work of MCC around the world This year s Spring Conference included a keynote speaker Laurie Skreslet the first Canadian to reach the summit of Mount Everest Laurie shared his experiences as a member of a highly motivated team that faced extreme challenges risks and sacrifices His message was inspirational and we enjoyed having Laurie present throughout the conference He even led a number of us on a hike at the end of the conference WEST WAWANOSH MUTUAL This spring West Wawanosh partnered with Orr Insurance to put a booth in the Goderich Home and Cottage Show We gave away lots of branded swag and chatted with many people To draw people to our tent we borrowed marijuana goggles from the Huron County Health Department The goggles simulate the sensory loss experienced while high from the effects of smoking cannabis People were asked to do a task and then repeat the task wearing the goggles The activity prompted lots of discussion about the dangers of driving while under the influence of marijuana 28

OTHER NEWS LAMBTON MUTUAL After 143 years in Lambton County we are very proud to be at the back of the bus Move that bus First we got on the back of the bus now we re sheltering people too MIDDLESEX MUTUAL The Annual General Meeting of Middlesex Mutual was held on March 27th Policyholders came out to vote and welcomed newly elected board member Johnny Fansher to the team Also re elected to the board were long standing board members Paul Vandenbosch and Wayne Parkinson We look forward to another productive year Pictured L to R Back Row Ken Filson Past Chair Wayne Parkinson Chair Dave Dixon Paul Vandenbosch Paula Bodkin Vice Chair Johnny Fansher New Member Gary Goertz Ruth Talbot Front Row Nancy Preston President CEO Karna Brennan LAMBTON MUTUAL Lambton Mutual agents Tim Hamilton and Jim Bouma represented Lambton Mutual at the Strathroy Spring Home Show in April EDGE MUTUAL The staff at Edge Mutual celebrated our great country by wearing red and white for Canada Day FARM MUTUAL RE Congratulations to Laura Ni for recently receiving her Canadian citizenship August 2018 29

Across Canada damage from extreme weather has cost taxpayers and insurers almost 10 billion since 1998 Water related damage is now the leading cause of home insurance claims in many communities large and small Municipal governments the insurance industry researchers and the public are coming together to better understand what we can do to lower that number in the future and focus on preventing flood damage rather than cleanup Partners for Action is an applied research network dedicated to reducing the risk of flood damage in Canadian communities Founding partners are The Co operators and Farm Mutual Re Members of Farm Mutual Re and OMIA are encouraged to use the resources available through Partners For Action to raise flood awareness and advance flood resiliency within your communities Please visit FloodSmartCanada ca for more information WEST ELGIN MUTUAL The weather on Wednesday July 18th couldn t have been any better for West Elgin Mutual s new building open house Lots of sun and a gentle breeze stayed with us the entire day People from far and wide came to help us celebrate our new beginnings and we estimate more than 350 visited during the day The Hon Karen Vecchio MP Whitney McWilliam representing Jeff Yurek MPP and Cameron McWilliam Mayor Dutton Dunwich assisted Nick Doelman Chair Ruleen Lilley Director and Building Committee Rep and Brian Downie President CEO cut the ribbon to officially open the building West Elgin Mutual would like to thank everyone from the mutual community who attended the open house or sent flowers and gifts to help us celebrate 30 MIDDLESEX MUTUAL On March 2nd Middlesex Mutual used our team spirit and participated in a local volleyball tournament We were extremely proud to make it to the finals this year Pictured Tara Cam McKenzie Geoff Hodgins Todd DaSilva Melisa McMorland Jacqueline Thornton Fran Dow and Gary Goertz

OTHER NEWS TRILLIUM MUTUAL We were recently very happy to host Paul Mahon from the UK s Cornish Mutual Paul was able to tour a dairy operation in Perth County and learn more about the mutuals in Ontario during his visit Back in the Fall our VP of Member Services Mike Virley had the opportunity to visit Cornish s office and jumped at the chance to return the hospitality and show our friends from the UK around Listowel HOWICK MUTUAL The Grey Bruce Insurance Brokers Association held their annual Meet the Underwriter Night in Kincardine on May 17th Howick Mutual sported a hockey theme for the event It was definitely a fun way to network with our broker partners Maximize your subrogation recoveries and free time for your staff to focus on more critical adjusting work OMIA Senior Business Intelligence Analyst Shawn Zhang attended the Qlik world wide conference Qonnection from April 23rd to the 26th Every year Qonnection attracts thousands of data driven creative minds from across the world Among the hundreds of competing candidate presentations OMIA s topic Qlik Sense Applied to the Canadian Insurance Industry outranked the others and was jointly presented by Shawn and Hannah Gzik from BizXcel There Shawn showcased our mutual grassroots spirit and demonstrated how Qlik Sense our data analytics tool has enabled Ontario Mutuals to achieve and maintain a high level of excellence in this fast evolving data driven world We re proud that OMIA s data analytics accomplishments have been seen on the world stage Specializing in Subrogation We offer affordable contingency flat fee options Please contact us to discuss your subrogation needs Suite 216 762 Upper James St Hamilton ON 905 389 4522 christine sageclaims ca sageclaims ca NORTH KENT MUTUAL North Kent Mutual staff Directors and Agents came together to celebrate Summer with a BBQ One lucky person walked away with a prize pack worth 170 August 2018 31

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OTHER NEWS PLAY BALL Farm Mutual Re was happy to host the annual Mutual Slo Pitch Tournament on June 15th Fourteen teams gathered for fun friendly competition on a bright sunny day The final standings were 1st Place Brant Mutual 2nd Place Edge Mutual 3rd Place Trillium Mutual 4th Place Farm Mutual Re Special thanks to our generous sponsors Discount Car Rentals Discovery Group of Investigators Limited Farm Mutual Re Matthews Abogado Ontario Mutuals and WinMar Superior Insurance Solutions TITAN WEB ATLAS INSPECT Contact us for your free on site demonstration www sehcomp ca MINDER PRO 1 800 575 9974 August 2018 33

OTHER NEWS OMIA This year s annual golf tournament was held on June 6th at Seaforth Golf and Country Club in Seaforth After a chilly start we were treated to wonderful sunny weather and a great day of play Chair Brad Vanstone Director at West Wawanosh Mutual was pleased to see so many Mutual members out on the green During his thank you he noted the importance of that kind of connection and comradery in our community The day s winners were Putting Contest sponsored by West Wawanosh Mutual Jeff Knight Kent Essex Ladies Longest Drive Sarah Bender West Wawanosh Ladies Closest to the Pin No Winner but we drew a name and Sue Cook from Middlesex came away with a prize Mens Longest Drive Dave Erb Usborne Hibbert Mens Closest to the Pin Terry Knight North Blenheim Most Honest Foursome Amanda Rattray Great West Life Kevin Post Town Country Barbara Bethune Wabisa Tracy Radford West Wawanosh Winning Foursome Robert Yorke SEH Chuck Salvalaggio Farm Mutual Re Ivan Peterson Grenville Matt Ross West Elgin Thank you to all of or generous sponsors Your contributions allowed us to raise 13 527 for the Farm Mutual Foundation Arthur J Gallagher Canada Ltd Davis Martindale Members IT Group Belfor Property Restoration DKI Canada MNP BizXcel Ernst Young LLP SEH Computer Systems Inc Bonnycastle Investment Consulting Solutions Bonnycastle Consulting Farm Mutual Re ServiceMaster Restore Great West Life Solera enservio Guy Carpenter Speedy Glass iA Financial Group Vodden Bender Seebach LLP Madorin Snyder LLP West Wawanosh Mutual MCCG Xpera ESM Site Security McIntyre Mediations Brown Beattie O Donovan LLP CEP Sintra ClaimsPro Cowan Insurance Group 34 To see more golf photos visit ontariomutuals com golf

MEET YOUR OMIA Human Resources Department How long have you worked at OMIA Heidi Four years Rachel Three years Since November 2015 What is your job title Heidi Benefits and HR Specialist Heidi Dumaresq Rachel Carew Rachel Pension and Benefits Assistant How does your department help Ontario Mutuals succeed Heidi We provide a comprehensive Pension Benefits plan to member companies These programs help our companies support their employees and act as safeguards against some of life s stressors We also help members navigate the OMIA Pension Benefit plans Rachel We provide support to all member companies on the OMIA pension and or benefit plans It s more than just answering questions about the coverage a member has or providing information about the pension plan We re also always on the lookout for ways to improve the plans by doing benchmarking attending conferences and keeping up to date on changes What is your favourite part about your job Heidi Getting to help people whether it s helping members with their questions about the OMIA Benefits Plan or helping our companies share resources like practices and policies related to HR The biggest sense of satisfaction I get from my job is when I m able to help make someone s life or job easier Rachel I love being able to answer people s questions about the benefits pension plan especially when I get to tell people that they have more coverage than they knew Everyone in the industry is warm and friendly and getting to interact with members is my favourite part of the job What is one thing you wished member companies knew about your department Heidi The OMIA Benefits Department will come out to your company to do Pension Benefits presentations It s a great opportunity for us to share knowledge and information about the Pension and Benefits plans and it s a very personal and convenient way for us to answer member questions and address concerns Rachel Members on the Defined Benefit pension plan can ask for a pension projection at any time and we can draw one up for them And members on the Defined Contribution pension plan can log in online to see a projection through the Great West Life website I really want members to feel like they understand their pension and have a reasonable idea of what to expect from it What has surprised you most about working at OMIA Heidi Definitely the people This is the first job I got out of school and I remember being so pleasantly surprised about how kind and genuinely caring everyone was my coworkers and the people I interacted with at the member companies It s pretty wonderful to work with good people Rachel The way it still feels like a close knit small company even as we keep growing Even when you re at the AGM meeting hundreds of people it still feels like a close community What is one interesting fact about you that you would like to share Heidi I ve recently rekindled my love of reading and one of my goals for the year is to always have an enjoyable book on the go it s been working out really well so far Rachel I recently rescued a Golden Doodle puppy and he is the sweetest dog in the world August 2018 35

OTHER NEWS NORTH BLENHEIM MUTUAL North Blenheim Staff Agents and Directors enjoyed this year s Summer Event a trip to Toronto for a Blue Jays Game HEARTLAND FARM MUTUAL Our annual golf tournament held at the end of May was a huge success with record attendance and superb weather Golfers enjoyed the fun format with games prizes and the opportunity to meet and mingle with Heartland staff LAMBTON MUTUAL Cam Ron Insurance and Bebingh Insurance represented Lambton Mutual at the inaugural Alvinston Pro Rodeo which proved to be a huge community success Our Lambton Mutual bull Risky Business faced off with the cowboys and cowgirls We are honoured to have been a part of this very successful local event 36 LAMBTON MUTUAL In May our Loss Prevention team was at the International Emergency Response Day in Strathroy teaching students all about fire safety using the LaserDriven Fire Extinguisher Simulator MAMIC Cooperation Among Mutuals Builds Stronger Mutuals was the theme for the 2018 Maritime Association of Mutual Insurance Companies MAMIC Convention held in Summerside PEI from June 1st to 3rd All Maritime Mutual Companies Antigonish Carleton Fundy Clare Kings PEI South Eastern Stanley and United General were represented at the event Representatives from Farm Mutual Re OMIA and CAMIC were also on hand to join the activities The PEI Mutual Hospitality Team hosted 137 attendees at the Loyalist Country Inn

RETIREMENTS Celebrating Those Who Have Helped Ontario Mutuals Thrive HEARTLAND FARM MUTUAL Heartland board members and guests celebrated the retirement of Director Moira Connell in Thamesford on May 24th Moira served on the Oxford Mutual board from 1997 and was instrumental as Chair during the merger process to become Heartland Throughout her last two years on Heartland s board Moira continued to provide valuable input and insight At the reception Moira was presented with a Heartland memento by current board Chair Paul Broadhead THE COMMONWELL MUTUAL We would like to announce the retirement of Cherylanne Burke Underwriter in the Perth Region Cherylanne has been a part of The Commonwell and former Lanark Mutual family for over 41 years She joked that she started by typing endorsements on a stone tablet She became an underwriter in the 1980 s and developed her expertise over the years She said the biggest part of her job was about relationships and she will miss the many long standing ones she made in the office at OMIA and with her brokers and agents We wish her well in retirement and thank Cherylanne for all that she did August 2018 37

RETIREMENTS FARM MUTUAL RE Please join us in congratulating Charles Chuck Salvalaggio as he celebrated his retirement from Farm Mutual Re on June 29th Someone once described Chuck as a senior statesman which is probably the most apt description of his capabilities and character He is respected knowledgeable and willing to share his experiences and expertise Chuck began his career with the Mutuals by joining Erie Mutual in early 2000 After spending several years as a Loss Prevention Officer at Erie Chuck joined Farm Mutual Re in December 2007 to share and apply his knowledge and expertise to the broader mutual community in the role of Risk Assessor In addition to choosing a career dedicated to loss prevention and control Chuck was also a member of the Haldimand County Fire Department Chuck dedicated over 20 years of service as a Volunteer Firefighter a position from which he retired at the end of 2017 Chuck s experience as a Volunteer Firefighter has been a great asset to the team Chuck is also an ambassador of the mutual community participating in Farm Shows and the Plowing Match either demonstrating safe operation of fire extinguishers or meeting and greeting visitors to the Farm Mutual Re or Ontario Mutuals booths Chuck and his wife Karen love to travel and can quite often be found on the golf course wherever their vacation destination may be Congratulations Chuck Your dedication has been a significant part of our success and we sincerely thank you You are well known among the Mutual family and you will be missed We wish you all the best for a happy healthy retirement NORTH KENT MUTUAL Cindy Brewer Admin and Marketing Manager for North Kent Mutual celebrated her retirement on June 6th after 18 years with the company She will be missed by staff and customers alike All the best Cindy 38 Chuck Salvalaggio and Farm Mutual Re President Steve Smith Lori Corrigan greets her well wishers FARM MUTUAL RE We would like to congratulate Lori Corrigan and Chuck Salvalaggio on their recent retirements Lori s retirement announcement appears in the April edition of OM News Lori joined Farm Mutual Re in November of 2011 with a goal of making an impact with both people and results During her tenure with us she has proven herself to be a truly respected caring and compassionate leader focusing on the individual development and growth of her claims team Her efforts have truly been rewarded in the hard work of a very successful team who strive to give back to the organization continually meeting and surpassing goals supporting the needs of Farm Mutual Re and our Members A reception was held on June 22nd in celebration of their dedication and commitment to Farm Mutual Re Mutual friends as well as OMIA and Farm Mutual Re staff popped in to wish them both well Congratulations Lori and Chuck On behalf of the board our staff and the entire mutual family we wish you health happiness and joy

RETIREMENTS TRADITION MUTUAL President and CEO Harry Bryant retired from Tradition Mutual at the end of April He was treated to a large send off party and an event at the office The large send off was held at the Arden Park in Stratford and was attended by many people that he knew in the Mutual community He was honoured by all who attended and those who spoke and gave him well wishes The staff also held an event for him and presented him with some new attire Harry always joked that when he retired he felt he should become a rock star with red leather pants Sometimes that falls under the category of be careful what you ask for HOWARD MUTUAL It is with mixed emotions that Howard Mutual Insurance announces the retirement of Terry Foran as of June 30th Terry spent 32 years at HMI as an Adjuster Claims Manager and for a short time acting CEO Terry spent the bulk of his career at HMI but got his start at The Co operators Insurance as an Adjuster Over the course of his career he handled over 5 000 claims across all lines Terry s immediate plan is to spend time with his family here in Ontario and play some golf and travel out west We will miss Terry as a member of the HMI team but we wish him all the best in his retirement August 2018 39

APPOINTMENTS POSITION CHANGES Transforming the Mutuals HOWARD MUTUAL The Board of Directors of Howard Mutual Insurance Company HMI is proud to announce the appointment of Jodi Rich as President and Chief Executive Officer CEO Jodi has extensive experience within the Mutual insurance industry having previously been the CEO for Caradoc Delaware Mutual Insurance Company She also served as the CFO Treasurer and Office Manager with North Kent Mutual Insurance Company for 11 years and is a past member of the Board of Directors with the Mutual Computer Concept Group MCCG Jodi has a Chartered Insurance Professional CIP designation and is a graduate of St Clair College s Business Accounting Program She has also obtained her Canadian Insurance Accountants Association CIAA diploma and is nearing completion of the University of Waterloo s Advanced Leadership Course Jodi and her husband Bill who operates a construction business have a small farm and reside near Bothwell She is a long time supporter and Committee member of the Terry Fox Run HEARTLAND FARM MUTUAL The Board of Directors of Heartland Farm Mutual Inc is pleased to announce that following an extensive national search Louis Durocher has been appointed President and Chief Executive Officer effective July 9th An actuary by profession Mr Durocher is a highly accomplished executive and leader in the property and casualty insurance sector He was most recently the Chief Risk Officer for Aviva Canada with overall responsibility for Risk ORSA and relationships with regulators that include OSFI he served as Advisor to all Board Committees Audit Risk Investment and Pension Previously he led the company s National Commercial Lines and Reinsurance department having joined the company as Senior Vice President Chief Actuary Before joining Aviva Mr Durocher held a number of senior positions with The Economical Insurance Group As Vice President for their Quebec Region he had overall P L responsibility for La Missisquoi the company s 150 million operating business within the province Under his leadership a Strategic Plan was developed and executed strengthening the organization s IT infrastructure and improving relationships with the broker community Mr Durocher has been an enthusiastic contributor to his profession and to the industry serving on a number of Boards and Committees for the Insurance Bureau of Canada the Toronto Financial Services Alliance the GAA and the PACICC Louis will bring to his responsibilities at Heartland a broad base of experience in all aspects of property and casualty insurance gained in organizations recognized as leaders in the field He relates enthusiastically to the values of Heartland with our focus on client and community relationships He looks forward to working with the Heartland team to address the challenges and exciting opportunities that face us over the coming years 40

APPOINTMENTS FARM MUTUAL RE Please join Farm Mutual Re and the IT Department in congratulating Dalia Hikal on her new full time position with Farm Mutual Re Dalia joined us in January of 2018 in a contract role as a Software Developer Dalia will continue in the role of Software Developer on a full time basis Dalia has proven herself to be capable diligent and a positive presence on the development team FARM MUTUAL RE Please join Farm Mutual Re and the Actuarial Department in congratulating Catherine Gao on the acceptance of a full time position as Actuarial Analyst with Farm Mutual Re Catherine joined us in January of 2018 as an Actuarial Analyst Intern and has proven herself to be an intelligent hard working welcome addition to the Actuarial Department Congratulations Catherine FARM MUTUAL RE Please join Farm Mutual Re in congratulating Erica Simpson on her new full time posistion as a Reinsurance Analyst with Farm Mutual Re Erica joined Farm Mutual Re in April of 2018 as a Reinsurance Assistant Co op and has proven herself to be an intelligent capable and a welcome addition to the reinsurance Department Congratulations Erica FARM MUTUAL RE Please join Farm Mutual Re and the IT Department in congratulating Janani Antony on her new full time position with Farm Mutual Re Janani joined us in November of 2017 as a Project Management Intern Janani will now be preforming the role of Project Management Associate Her hard work positive attitude and contributions to multiple projects have been a great asset to the IT team HEARTLAND FARM MUTUAL Louis Durocher President and Chief Executive Officer of Heartland Farm Mutual Inc is pleased to announce that following an extensive national search Michele Falkins has been appointed Vice President Chief Financial Officer effective July 9th Michele joins Heartland from Wells Fargo where she was most recently the Global CFO for Wells Fargo Commercial Distribution Finance Here she managed 12B in assets with overall responsibility for financial planning and reporting forecasting and pricing strategy as well as leading the integration of the finance team She came to Wells Fargo following their acquisition of GE Capital s Commercial Distribution Finance and Vendor Finance businesses where Michele was CFO for the Canadian business having joined the company as Operational Controller in 2005 Michele has been the finance lead on several major acquisitions and led two financial systems conversions Prior to joining GE Capital Michele held progressively responsible finance positions with Celestica Inc As Director of Finance for North America she led the centralization of North American controllership and pricing activities and other key projects which led to significant cost savings for the company A CPA CA Michele has been a supportive community member serving as Treasurer of the Milton Girls Softball Association and former Treasurer of Robert Baldwin Public School She also currently mentors three individuals in the CPA program A collaborative leader with excellent skills in strategic planning and analysis pricing simplification financial systems and change management Michele is a great addition to the senior leadership team She looks forward to working with the Heartland team to address the challenges and exciting opportunities that face us over the coming years August 2018 41

Farm accidents can occur in the most remote locations making it difficult for first responders to easily locate those involved Farm 911 The Emily Project which launched in August 2017 is determined to see proper signage installed at all rural property entrances In August of 2014 the Trudeau family of Hasting Ontario tragically lost their seven year old daughter Emily in a farming accident The accident occurred on an unmarked field causing first responders to lose precious time while trying to locate Emily In the event of an emergency time is everything and a civic address at the entrance to a vacant farm field could make all the difference The objectives of the project are to Create a unified system for acquiring 911 signs across all municipalities Persuade municipalities to offer the signs as a service to their community Encourage rural landowners to use the service Establish a partnership with local agribusinesses who will support the program Develop resources to teach property owners how to contact emergency services efficiently Promote the program through digital print and social media We re happy at OMIA to share the details of this worthwhile project Many people in the Mutual community could benefit from the municipal changes Farm 911 is hoping to instill More information can be found at www farm911 ca Canada s Insurance Replacement Specialists Preferred rates for insurance partners DIAL user friendly reservation system for varied accounts 24 7 live agent QuickCarTM rental kiosks Free customer pick up and return Direct billing to insurance carrier Canada s largest combined fleet of cars and trucks Interested to learn more We d love to hear from you Contact Courtney Thompson at cthompson discountcar com 42

Different by Design As Canada s fifth largest professional services firm with dedicated financial services professionals in both rural and urban communities across Ontario MNP has you covered Whether you require accounting consulting tax or technology solutions we are here to support you with a diverse range of services and strategies that get results Contact Jas Chahal CPA CA at 289 293 2371 or jas chahal mnp ca August 2018 43

Ontario Mutuals is proud to be the presenting partner of the Ontario Queen of the Furrow competition The competition allows young women to promote and increase their involvement in agriculture throughout their communities During the competition the Queens enhance their leadership and public speaking skills and act as role models for young girls to inspire them to get involved in agriculture Annually there are hundreds of young women across the province who compete in Queen of the Furrow competitions The competitions are first held at a regional level Regional Queens become ambassadors of their communities and their local Plowmen s Association Throughout the year the Queens attend many local events farm shows fairs and the Ontario Plowmen s Association Annual Convention In September the Queens head to the International Plowing Match where they compete for the Ontario Queen of the Furrow title They are judged on their plowing ability appearance and deportment an interview a prepared speech and an impromptu speech Last year s winner was Kailey Donaldson of Halton Region OM News had the opportunity to catch up with Kailey to ask her about her reign as Queen and what the Queen of the Furrow competition means to her 44 Where did you grow up Acton Ontario Have you and your family always been involved in Agriculture In what capacity My father grew up on a farm and throughout the years we have stayed involved either with raising steers through our auction business showing cattle plowing matches 4 H or the fair board I ve always enjoyed being a part of this great industry What does the Ag community mean to you To me the Agriculture community is something I m proud to be a part of It s a community where people can relate to one another in struggles and accomplishments on a daily and seasonal basis I think that s what makes the people in the industry so caring understanding and compassionate It is a strong bond not only through small communities but across the province and even the country A great example is seeing how an Agriculture community works together when planning the IPM It truly takes a great team of volunteers and it is so wonderful to see this happening currently in Chatham Kent Where did you get your post secondary education What did you study and why For my post secondary education I went to University of Guelph Ridgetown Campus I received an Associate Diploma in Agriculture

I chose this pathway as it seemed like a natural fit having always loved equipment and livestock I could not see myself being involved in any other industry How did you get started in the Queen of the Furrow Competition Why was it important to you to get involved I always knew about the Queen of the Furrow Competition because I plow at local matches My Region actually didn t have the competition for about 13 years In 2016 the Halton Plowmen s Association decided to bring it back and that s when I was crowned at my local level The Queen of the Furrow program was important for me to get involved in as I love being an ambassador for Agriculture and I enjoyed the thought of representing the IPM Once I was involved I realized how amazing it was to build confidence meet new people and learn more about the Agriculture industry What did you like best about the Queen of the Furrow competition The thing I liked most about the Queen of the Furrow competition is being able to connect with approximately 25 other ladies who are passionate about Agriculture and share the same mindset It s also a great way to get out of your comfort zone and really learn who you are What do you think you ve learned through this process There are many things I ve learned from the Queen of the Furrow Competition but the main thing would be to believe in yourself I think it s important to not underestimate the impact you can have It s a big competition and a busy reign as Queen However you find out what you re capable of once you give it a try How has your year been as the Queen so far My year as Queen so far has been amazing Traveling across Ontario promoting the IPM The Ontario Plowmen s Association and the Agriculture Industry has been a great experience I ve gone to different events such as fairs banquets farm shows and more I ve gotten to create new friendships explore different communities and really take in how the International Plowing Match brings people and communities together Of course the best is yet to come with the busy plowing season just ahead and the International Plowing Match and Rural Expo in September Do you see yourself staying in the Ag Community in some capacity I will definitely stay involved with the Agriculture community it always has been apart of my life and I look forward to what the future brings What are your thoughts on the importance of women in Agriculture Women in Agriculture has been a popular topic in the more recent years for a good reason In the past women may have been in the background of the operation and today there are more women taking on the leadership roles I also think it s important to look at the industry as a whole and not segregated We can all wear different hats and contribute to the agriculture community male or female Do you have a message for the young women preparing for this year s Ontario Queen of the Furrow Competition The number one thing I would tell the young women preparing for this year s Ontario Queen of the Furrow Competition is to be yourself It is really important to show who you are as a person and what is truly important to you Of course remember to have fun and to make the most out of this amazing opportunity Thanks Kailey See you at the IPM September 18th to 22nd August 2018 45

UPCOMING TRAINING EVENTS Subject to change Please refer to www omia com to review a current calendar of courses offered by OMIA Click on Education and then Education Calendar DATE COURSE NAME COURSE DESCRIPTION August 20 Qlik Sense OMIA Business Intelligence User Training This is an interactive practical application program and will be of interest to new Qlik Sense users as well as more experienced users interested in reviewing and improving basic skills Bring your laptop to this hands on course Sept 6 Negotiating Successfully Seminar Workshop held at OMIA Cambridge This session has been designed to address and develop negotiation as a skill Participants regardless of their professional discipline will be exposed to a knowledge transfer to help them unlock their ability to get to the best resolution possible under any circumstances Sept 10 The Legislative Affairs Roundtable is an opportunity for the Legislative Affairs delegates of member companies to meet and discuss topics that tie to provincial Legislative Affairs Roundtable political developments and positions that may have an impact on the business of member mutual insurance companies Sept 12 Delegating for Dynamic Results One of the units leading to the University of Waterloo Advanced Leadership Certificate this session is designed for team leaders front line supervisors managers who have had some delegating experience By assessing your attitudes current practices through experiential activities you will explore effective delegation techniques how to motivate continuously develop staff Sept 13 Underwriting Managers Roundtable Underwriting Managers spend the day focusing on both technical and managerial issues that impact them Sept 27 Loss of Income This one day session is designed for point of sale underwriters and adjusters who would like to understand this often misunderstood line of insurance Oct 3 Personal Liability Coverage Review An in depth look at the personal liability coverage wording Intended for anyone needing a review of the coverage This session is part of the OMIA Certification program for Insurance Practitioners and is RIBO accredited Oct 3 Commercial Liability Coverage An in depth look at the commercial liability coverage wording Intended for anyone needing a review of the coverage This session is part of the OMIA Certification program for Insurance Practitioners and is RIBO accredited Oct 4 Farm Liability Coverage Review An in depth look at the farm liability coverage wording Intended for anyone needing a review of the coverage This session is part of the OMIA Certification program for Insurance Practitioners and is RIBO accredited Oct 10 11 Garage Auto Product The Program In Class New Dates Of interest to underwriters and adjusters this two day in class program at Cambridge will focus on the practical application of the product underwriting guidelines and risk selection Live Online will also be offered October 30 31 in module format Oct 16 Qlik Sense OMIA Business Intelligence User Training This is an interactive practical application program and will be of interest to new Qlik Sense users as well as more experienced users interested in reviewing and improving basic skills Bring your laptop to this hands on course Oct 17 18 Portfolio Management Live Online afternoon Participants must attend both of these sessions Portfolio Management 101 Training will enhance existing skills used in the analysis of data to understand past performance and make changes to influence future profitability The course provides theory and then practical skills in incorporating the Qlik Sense Business Intelligence tool Oct 17 18 Accident Benefits Claims Handling Workshop Accident Benefits adjustors spend the day focusing on issues that they deal with in their role of handling this specialty line of claim Oct 24 Residential Underwriters Roundtable An affiliate group of mutual company underwriters responsible for underwriting residential business discuss topics of interest Oct 25 Accountants Roundtable An affiliate group of member company accountants meet to discuss items of interest Oct 30 Garage Auto OAP 4 Live Online Morning New Date This is a live online version of interest to underwriters agents and adjusters This module supports the two day Garage Auto Product Course on October 10 11 and provides an overview of the OAP 4 wording and accompanying endorsements used in the Garage Automobile Program Oct 31 Garage Property Liability Coverages Live Online Morning New Date This is a live online version of interest to underwriters agents and adjusters This module supports the two day Garage Auto Product Course being offered on October 10 11 This session provides an overview of the property and liability contract wordings used in the Garage Automobile Program 46

IN MEMORIAM Remembering our Mutual Family Members MIDDLESEX MUTUAL Taken unexpectedly it is with heavy hearts that Middlesex Mutual said goodbye to a beautiful friend and co worker Laura Wigelsworth Laura joined the Mutual family in 2014 and participated in many events over the years Laura leaves behind her children Jacob and Natalie and her step daughter Janine who she loved dearly and who were her world Laura was loved by many and would help anyone in need We will always remember her kindness and the warmth of her smile GERMANIA MUTUAL We are saddened by the passing of Allan Ellis Aitken Formerly of Holstein he passed away at Rockwood Terrace Durham on June 24th in his 85th year Beloved husband of the late Fern Aitken nee Allen Loving father of Larry Aitken and his wife Susan of Holstein Julie and her husband Gary Wilson of Durham Sylvia and her husband Jeff Chambers of Sudbury and Dawn and her husband Jim Macumber of Owen Sound Cherished grandfather of Kyle Aitken and his wife Katie Emily Aitken and her fianc Raphy Guenter Bob Wilson and his wife Nicole Brad Wilson and his wife Jessica Dyson Chambers and his fianc e Brittany Cook Astin Chambers Mason Macumber and Kallen Macumber Greatgrandfather of Charlotte Reese Blake and Jack Ellis Aitken joined the Germania Mutual Board of Directors in 1990 and served until 2006 including two years as Chair He was Germania s last Director Adjuster looking after livestock claims as a Director until his retirement in 2006 He then carried on as a contract Livestock Adjuster with the company until 2010 WEST WAWANOSH MUTUAL West Wawanosh is saddened by the passing of former Director Glenn Coultes on June 9th Glenn was a lifelong beef farmer and served as the 1991 President of the Ontario Cattlemen Association He was on the West Wawanosh Board of Directors for 21 years from 1984 to 2005 Glenn was very proud of his position and was the local face of West Wawanosh for many years Staff fondly remembers Glenn as being a quiet thoughtful man and while he didn t speak a lot when he did everyone listened TOWN COUNTRY MUTUAL It is with sadness that we share the passing of long time former Director of Lobo Mutual David Keith McCallum in his 88th year Peacefully at Chartwell Parkhill Nursing Home on Thursday April 12th Reunited with his beloved wife Mary Isabel Baster February 2007 Loving father of Lois Gary Smits Martha Jim Boertien and David Julie McCallum Proud grandfather to Daniel and Rachel Lauren and Sarah and Janessa Keith will be remembered for his passion for farming and animals sense of humour and his compassion for friends and neighbours Keith started farming on his family farm at the age of 14 His life revolved around beef farming and raising his family on the farm he loved

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