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OMIA NEWS Ontario Mutual Insurance Association August 2017

O n ta r i o M u t u a l s N e w s l e t t e r 2 M u t u a l N e ws AU G UST 2 0 1 7 Ch air s MESS AGE A Message From Our Chair I have thoroughly enjoyed my first four months as your OMIA Chair What a great opportunity to travel across Ontario and meet even more employees and directors of our Mutual system One thing I ve noticed through all of my travels is the care and commitment each person has to their Mutual Company and the communities that they serve In analyzing today s insurance landscape there are positive indicators that bode well for the Mutual model Peer to Peer Insurance The introduction of peer to peer business such as Lemonade and Uber has absolutely promoted the advantages of Mutual Insurance Now is the time to market ourselves aggressively as the general public understands our model now more than ever before Go to YouTube and search for Ontario Mutuals to see why we re passionate about the Mutuals Younger Generations Value Corporate Social Responsibility The younger generation is brand loyal and expects brands to give back to society instead of simply making a profit They love companies that support their local communities and would rather purchase from them than competitors They are sick and tired of corporate greed so are attracted to our model of no shareholders or private owners Strong Capital Position As at March 31st the Guarantee Fund Companies held combined capital of over 1 18 billion In this era of technology disruptors we are well positioned to invest in any solutions required to suit today s consumer Superior Service Standards The fact that our Companies are policyholder owned means that we will excel at customer service Ask your brokers and agents who their friends and family are insured with and you ll find a high percentage insured with a Mutual Company We Have Cambridge OMIA and Farm Mutual Re are working hard to support your Strategic Plans The collection of accurate data supports R D initiatives which provides modern product development with accurate pricing We are well respected in the political and regulatory environments Cambridge provides the economies of scale and reinsurance protection that will enable your Companies to thrive I chose Our Passion is Mutual for my theme this year and with good reason As you read this edition of the OMIA News take special notice of all of the community events that are sponsored by our Mutuals Take note of the amount of funds that are raised by the Mutual Community for the various charities hospitals local 4 H clubs and many more worthy causes The Mutual model is the envy of many and its culture fits in quite well with today s consumer The OMIA P M planning is just about complete We have dynamic guest speakers lined up great networking opportunities all happening at the Blue Mountain Resort in Collingwood Ontario on October 23 24 2017 I look forward to seeing you there Christine Van Daele Westminster Mutual

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Relay For Life The Cambridge Relay for Life 2017 event was held on June 16th however due to an unfortunate down burst of wind which toppled some structures the relay itself was stopped and our team did very little walking On the bright side we did quite well in terms of fundraising with 4 160 raised in donations and an additional 110 00 raised for luminary sales for a grand total of 4 270 for the Canadian Cancer Society Overall the event in Wellington County raised 156 000 which will be used to fund cancer research education on prevention and support services for those touched by cancer Last year the support services helped more than 2000 people in the Waterloo and Wellington regions A huge thank you to the relay team for all their hard work and fundraising efforts to Farm Mutual Re and OMIA for their generous donations and support and to all those individuals who supported our team through the BBQ and ice cream fundraisers donations or luminary purchases New Brand Volunteering Wabisa Mutual is excited to announce the launch of our fresh new look and a new brand On April 4th and May 23rd Lambton Mutual staff used their Volunteer Day to help paint and side the new Habitat for Humanity home in Watford On April 27th the company received an award at the Habitat for Humanity Community Appreciation Event recognizing their contribution as 2017 Foundation Builders We knew our logo was due for an update but our brand isn t necessarily something new it s something we ve always known but has now been put into words we want to live by We will continue to offer the best solutions for our customers while also offering the highest level of customer service It was time for our brand to reflect our ambitions and we have been working hard over the past few months to develop a new logo and brand that is fresh modern and professional In the coming months our new brand will be rolled out to our policyholders highlighting our commitment of care to them The aim of this launch is to ensure people understand more about who we are what drives us and how we work Here is a sneak peek at our new logo 3

O n ta r i o M u t u a l s N e w s l e t t e r 4 AU G UST 2 0 1 7 M u t u a l N e ws Congratulations Rob Brant Mutual s own Rob Nagy has been voted as one of Insurance Business Canada s Young Guns for 2017 A prestigious accolade this award is voted on by Rob s peers and brokerages From Insurance Business Magazine In today s competitive market remaining relevant in a pool of immense talent can be a challenge Yet these 50 young professionals have risen above the pack by bringing a unique blend of 21stcentury moxie and old school work ethic to Canada s insurance industry From company leaders and local brokers to philanthropists and tech innovators these individuals all aged 35 or younger are inspiring peers around them with their commitment and expertise In his seven years in the industry Rob has made big waves in Brant Mutuals catchment area of insurers both residential and commercial Rob manages a book of business valued at 700 000 in premium with a 96 retention rate He is involved in many community organizations and excels when he has many items on the go Healthcare Donation The Erie Mutual Fire Insurance Company has made a 1500 donation to be shared between the Dunnville Hospital Healthcare Foundation and the Dunnville Health Centre Volunteer Association Congratulations Rob on this welldeserved award HOPE in the Street The donation is in recognition of the over 35 years that retired Director Richard Egger contributed to the Board of Directors of Erie Mutual Halwell Mutual was the official entertainment sponsor of the Guelph street fest HOPE in the Street on June 16th This family friendly event closed down a street in downtown Guelph and provided an evening of events and activities local music food drinks and treats All of this in support of a great cause The Lakeside HOPE House a local charity that has many programs in place for those in need in the community Guelph Mayor Cam Guthrie is pictured below saying some opening words next to the Halwell Mutual logo

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Annual Charity Golf Tournament Bay of Quinte Mutual Insurance Company hosted our Annual Charity Golf Tournament on June 14th at Brighton s Timber Ridge Golf Course one of Ontario s top 100 rated golf courses Our 104 golfers including agents brokers and business partners helped raise 12 400 for the Sunny Days Day Program This not for profit organization for youth and young adults with disabilities operates out of the heart of Brighton Sunny Days Day Program provides life skills education workplace placements and much more to its many participants The Board of Directors Management and Staff of Bay of Quinte Mutual is very please to support this organization Bay of Quinte Mutual Chair George Taylor far right presents a cheque of 12 400 to Sunny Days Day Program representatives Michael and Deanna Opsteem Community Donation On June 16th Wabisa Mutual presented Jarvis Lions Club with 10 000 for the Jarvis Lions Walking Trail The donation was in commemoration of Wabisa s 150th anniversary Construction on the trail is underway now and is expected to be completed by the end of Summer President and General Manager Don McEvoy far left is pictured with Jarvis Lions President Jack Stallwood Lions members Rick Fess and Tom Montague and Wabisa Board Chair Michelle Spoelstra Milestones This June HTM Insurance celebrated work anniversaries for Matthew Flagler and Barb Dinnage Matthew has been with the company for 15 years and Barb for 20 HTM President Alec Harmer is pictured with Matthew and Barb 5

O n ta r i o M u t u a l s N e w s l e t t e r 6 AU G UST 2 0 1 7 M u t u a l N e ws Amalgamation Announcement The fusion of Townsend Mutual Insurance and Caradoc Delaware Mutual Insurance Creates a New Stronger Company Within the Ontario Mutual Insurance System Caradoc Delaware Mutual Insurance Company CDM and Townsend Mutual Insurance Company TMIC announced that their policyholders have voted to approve the amalgamation of the two companies to create Caradoc Townsend Mutual Insurance Company Caradoc Townsend At separate meetings on June 28th 2017 well over the required two thirds of the voting mutual policyholders of both companies indicated their support for the amalgamation originally announced in November 2016 When the anticipated final approval is received from the Financial Services Commission of Ontario FSCO Caradoc Townsend will carry on the histories of CDM and TMIC as policyholder focused leaders in rural and smalltown lifestyle insurance in southwest Ontario With written premiums of 12 5 million and surplus of approximately 17 million and backed by Farm Mutual Re and the Fire Mutuals Guarantee Fund the new mutual insurance company is well positioned to act for the benefit of its current and future policyholders By joining together we are creating a much stronger mutual insurance company that will be able to provide the best solutions products and services in a competitive industry Caradoc Townsend will be able to invest in our people and in technology that aligns with where our agents brokers and policyholders are and where they will be tomorrow said Barry Woodley Chair of TMIC Caradoc Townsend s head office will be in Waterford southwest of Hamilton and CDM s current office in Mount Brydges will remain open to serve the surrounding communities Caradoc Townsend expects the amalgamation to unlock additional growth leading to increased longer term staffing needs at both locations Policyholders will continue to be served by their current agents or brokers Discussions between the two companies began in the spring of 2016 As we carefully performed our due diligence analysis we found that we were similar where it mattered and different where it helped The Directors unanimously determined that this path is good for our policyholdermembers now and into the future said Debbie Van Meppelen Scheppink Chair of CDM Neil Shay will be Caradoc Townsend s President and Chief Executive Officer a position he currently holds at TMIC Mr Shay noted that important steps in the integration of the operations are already under way and the teams at each company are working well together We are excited to begin the next steps towards our January 1st 2018 implementation date building on the best from both predecessor companies Caradoc Townsend now looks forward to continuing to earn our policyholders trust and loyalty We have a skilled customer focused team and we are ready to provide more value to our members and enhance our distributor relationships he said More information is available at www townsendmutual com and www cdmins com P C Mutual Insurance I n ve s t m e n t Tr e n d s R e p o r t UNDERWRITING REVENUE 10 5 BILLION 0 5 decrease compared to 2016 INVESTMENT INCOME 667 MILLION 1 Increase compared to 2016 How did your firm s financial and investment results compare to the industry Request your FREE Investment Trends Report email us info gmr ca

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ual Ne w s Mutuals Play Ball Once again we had a great turn out at the annual Mutuals Softball Tournament held on Friday June 16th Thirteen teams came out with their jerseys in tow Everyone had a great showing but our big winners of the day were Lambton Mutual 4th Place Farm Mutual Re 3rd place Trillium Mutual 2nd Place and Edge Mutual in 1st place A very special thanks to our generous sponsors A P Hurley Construction Limited Discount Car and Truck Rentals Farm Mutual Re Miller Thomson Lawyers Avocats Ontario Mutuals and WINMAR Property Restoration Specialists 7

O n ta r i o M u t u a l s N e w s l e t t e r 8 AU G UST 2 0 1 7 M u t u a l N e ws Appointment The Commonwell Mutual Insurance Group is proud to announce the appointment of Jennifer Baziuk as Vice President Information Technology Jennifer joined The Commonwell in May of 2017 Prior to joining The Commonwell Jennifer spent nearly two decades working in the Property Casualty Industry for TD Insurance in both Toronto and Montreal Jennifer has held a variety of leadership roles over the course of her career in Claims Operations Sales Effectiveness and Data Management Data Governance As Vice President of Information Technology she will provide strategic direction and leadership for the continued development of an innovative robust and secure information technology environment throughout The Commonwell Jennifer holds a Post Baccalaureate Diploma in Management Business Management and Marketing from Athabasca University and is in the final year of pursuing her Masters of Business Administration She is also a Project Management Professional PMP and Certified Insurance Professional CIP who has volunteered her services to the Insurance Institute of Ontario to review academic programs in an effort to improve the quality of education for students and insurance professionals alike Jennifer grew up in Northern Ontario and moved near Lake Simcoe over 13 years ago where she and her husband Paul are raising their two children Paige and Rory They enjoy the outdoors and spend as much time as possible on Lake Simcoe in both the summer and winter Breakfast on the Farm On June 24th Farm Food Care Ontario held their annual Breakfast on the Farm event at Donkers Goat Farm near Shedden with support from West Elgin Mutual Insurance Over 2500 people participated in the breakfast and took the opportunity to learn more about food and farming and of course to pet the baby goats The next Breakfast on the Farm is being held in Listowel on September 16th at Maplevue Farms

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Ground Breaking Middlesex Mutual held a groundbreaking ceremony for their new 8000 square foot building on June 5th Directors staff agents and brokers attended the event on site in Ilderton Move in is planned for the end of this year Middlesex Mutual staff agents directors Left to right Jason Wedlake Norlon Builders Hein Vanderlinde Site Supervisor Shanna McIllmurray Architect Paul Vandenbosch Building Committee Chair Nancy Preston President CEO Ken Filson Board Chair and Stephen Harvey Middlesex Centre Councillor DISCRETIONARY WEALTH MANAGEMENT ALL OF OUR FARM MUTUAL CLIENTS PORTFOLIOS ARE SEPARATELY HELD AND MANAGED ACCORDINGLY TO THEIR SPECIFIC GOALS WE UNDERSTAND THE NEEDS OF MUTUAL INSURANCE COMPANIES WE CAN HELP FOR MORE INFORMATION PLEASE CONTACT Brendan T N Caldwell B Sc M A CFA President CEO 150 King Street West Suite 1702 P O Box 47 Toronto ON M5H 1J9 1 800 256 2441 416 593 1798 bcaldwell caldwellinvestment com www caldwellinvestment ca 9

O n ta r i o M u t u a l s N e w s l e t t e r 10 Up com i ng AU G UST 2 0 1 7 Tr aining Even t s Please refer to www members omia com to review a current calendar of courses offered by OMIA Click on Education and then Training Events DATE COURSE NAME COURSE DESCRIPTION August 22 Assessing Commercial Risks Seminar Option 1 During this seminar participants will discuss a full commercial risk assessment that will assist with understanding loss control risk management underwriting and premium assignment including hazards associated with occupancy exposure presented by building construction types consideration for internal protection systems extinguishing and intrusion systems and impact of level of public fire protection available August 22 Role of Adjusters and the Claims Handling Function Member company directors may be interested in the opportunity to participate in one or all of these director certification program units in live on line format Each unit will be approximately 60 minutes in length Three elective units and one mandatory unit are included in this offering September 6 Agents Roundtable An affiliate group of point of sale personnel meet to discuss topics of interest to them September 7 Team Building and Team Dimensions Part of the University of Waterloo s Leadership Certificate program this session with the use of the Team Dimensions Profile learn to identify the most natural team role for each individual on your team and give them added appreciation for the contributions of others September 12 Underwriting Managers Roundtable Underwriting Managers spend the day focusing on both technical and managerial issues that impact them September 13 Claims Managers Conference An affiliate group of mutual company claims adjusters discuss topics of interest to them September 18 to 20 Commercial Automobile Insurance Level 1 This comprehensive 3 day program is targeted to member company underwriters and agents new to working with individually rated commercial automobile risks Participants should have either attended the Personal Lines Auto Course Level 1 or have a minimum of one year personal and or commercial automobile experience October 4 Commercial Liability Coverage and Claims An in depth look at the commercial liability coverage wording Intended for anyone needing a review of the coverage with an emphasis on claims This session is part of t he OMIA Certification program for Insurance Practitioners and is RIBO accredited October 4 Personal Liability Coverage and Claims An in depth look at the personal liability coverage wording Intended for anyone needing a review of the coverage with an emphasis on claims This session is part of the OMIA Certification program for Insurance Practitioners and is RIBO accredited October 5 Farm Liability Coverage and Claims An in depth look at the farm liability coverage wording Intended for anyone needing a review of the coverage with an emphasis on claims This session is part of the OMIA Certification program for Insurance Practitioners and is RIBO accredited Strategic and Business Planning Part of the University Leadership Certificate program participants in this session will establish and communicate your vision determine values launch your mission create an overall goal and setup immediate goals establish strategies measures and follow up and develop and take home a solid action plan customized for your organizational unit Directors who attend this session will also receive credit for the Strategic Planning requirement in the Directors Certification Program Class size limited October 10 and 11 Assessing Commercial Risks Seminar Option 2 During this live online seminar participants will discuss a full commercial risk assessment that will assist with understanding loss control risk management underwriting and premium assignment including hazards associated with occupancy exposure presented by building construction types consideration for internal protection systems extinguishing and intrusion systems and impact of level of public fire protection available This program carries 5 5 RIBO accredited hours Technical October 12 Automobile Underwriters Roundtable An affiliate group of mutual company automobile underwriters discuss topics of interest to them October 12 Identifying the Board s Regulatory Obligations Member company directors may be interested in the opportunity to participate in one or all of these director certification program units in live on line format Each unit will be approximately 60 minutes in length Three elective units and one mandatory unit are included in this offering October 18 and 19 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 October 19 and 20 Portfolio Management Workshop Of interest to intermediate level underwriters and adjusters or anyone who is interested in reviewing and increasing their knowledge of the basic elements of managing your business portfolio to provide reasonable balance and results Class size limited October 25 Residential Underwriters Roundtable An affiliate group of mutual company underwriters responsible for underwriting residential business discuss topics of interest to them October 26 Accountants Roundtable An affiliate group of member company accountants meet to discuss items of interest to them October 5

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Board Appointment The Erie Mutual Board of Directors is pleased to announce the appointment of Paul Fulsom to their Board which took place at Erie Mutual s recent AGM March 28 2017 Mr Fulsom will fill the vacancy left by the retirement of Richard Egger after over 35 years of service to the Board Mr Fulsom was a business partner in the family owned Fulsom Livestock Trucking from 1971 until his retirement in 2015 He is married to his wife of forty three years Susan and still resides on the family farm homestead in Rainham Township Haldimand County They have two grown married sons and five grandchildren Chair Warren Burger stated Paul brings to the board table a number of years of practical experience and understanding of the agricultural industry and our rural communities Paul s business approach over the years assisted greatly in Fulsom Livestock Trucking in expanding their business to markets in other Provinces and the United States He continues to farm eighty acres in cash crop He has served on several boards and committees throughout his career and he is a well known and respected coach in both hockey and fastball He and Susan are active members of the Trinity Lutheran Church Fisherville Ontario 11

O n ta r i o M u t u a l s N e w s l e t t e r 12 AU G UST 2 0 1 7 M u t u a l N e ws New Employees On March 27th Farm Mutual Re welcomed Bassem Zaitoun in the role of Software Developer in our IT Department Bassem possesses a Bachelor of Computer Science in Software Engineering and comes to us with many years of software development and software engineering experience Welcome and best of luck in your new role Bassem On April 3rd Farm Mutual Re welcomed Luy Ho in the role of Development Team Lead in our IT Department Luy possesses a bachelor s degree in applied mathematics and a diploma in business computer systems and programming Luy comes to us with over 20 years of design architecture and development experience Welcome and best of luck in your new role Luy On April 10th Farm Mutual Re welcomed Steve Korsh in the role of Human Resources Associate in our Human Resources Department Steve possesses Post Graduate Certificate in Human Resources from Conestoga College and Bachelor of Arts Degree in English and Professional Writing from Brock University Steve first joined the team as a co op student through Conestoga College and has proven himself to be a solid contributor to the HR team Congratulations Steve On July 10th Owen Li joined the IT Department in the role of Software Developer Owen is a Microsoft Certified Professional Developer with over 15 years experience in application development and support Welcome Owen On July 10th Lukasz Maslanka joined the IT Department in the role of Software Developer Lukasz brings 14 years experience as a developer He has a diploma from Conestoga College in the Software Programmer and Analyst program and is fluent in both English and Polish languages Welcome Lukasz We would also like to congratulate Paul Luo Assistant Vice President Actuarial on achieving his Fellowship from the Casualty Actuarial Society Canada 150 Jarvis celebrated Canada s 150th on the May long weekend It was a weekend full of events food and lots of fun Wabisa Mutual joined in the festivities by participating in the parade Despite the rain the Jarvis Parade was a huge success with many families enjoying the 59 floats parading along Highway 6 Wabisa Directors staff and family members handed out flashlight pens lollipops glow sticks and invitations for Wabisa s own 150th anniversary celebration

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s A Busy Season 1 1 Team Heartland The Heartland baseball team had a great day at the Ontario Mutuals Slow Pitch Tournament in June Despite a few losses we played with a lot of heart 2 WeHeartCanada Heartland offices in Waterloo and Thamesford celebrated Canada s 150th with a week of WeHeartCanada activities including a poutine picnic Tim Horton s coffee run hockey shootout and the traditional singing of our national anthem 2 3 iHeartCommunity Fund Heartland has been busy presenting cheques to this year s selection of iHeartCommunity Fund recipients Separate group celebrations were held in Thamesford and Waterloo early in May where agents and staff helped to award funds to their selected projects Since then we have been on the road making several individual fund presentations It is heartwarming to see the impact we are able to make within local communities and to share these special moments with their advocates 3 4 Invitational Golf Tournament A mixed bag of weather did not spoil the fun at our annual tournament on May 30th The new format included games and treats given out by our staff throughout the day and plenty of camaraderie along the way 4 Superior Insurance Solutions TITAN WEB ATLAS INSPECT Contact us for your free on site demonstration www sehcomp ca MINDER PRO 1 800 575 9974 13

O n ta r i o M u t u a l s N e w s l e t t e r 14 AU G UST 2 0 1 7 M UTU A L N E WS Rick s Ride for Hope Kent Essex Mutual donated 250 to Rick s Ride for Hope in support of Ronald McDonald House Southwestern Ontario Pictured are Anne Devereux from K E and Rick Bernard who biked from Wallaceburg to London to raise funds Big Bike Ride The Heart Stroke Big Bike Ride took place in Chatham on May 17th Kent Essex Mutual s team of staff members and brokers raised 4100 Thanks to everyone who participated and to those who donated to the team New Employees Kent Essex Mutual is pleased to welcome Monica Hurst to our Auto and Property Underwriting teams Monica has accepted a position as a Junior Underwriter and brings two and a half years of experience in the insurance field We re also pleased to welcome Stacey Smith to our Property Department IT team Stacey has accepted a position as a Property Underwriter and IBS Administrator She brings with her 14 years of experience in the insurance field SABS Claims Personal Injury Business Interruption Farm Loss 1 800 668 2167 Jessy Hawley CPA CGA CFF jhawley davismarrndale com x1218 Gary Phelps CPA CMA CFF CFE gphelps davismarrndale com x1229 davismartindale com

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Bruce Williams Memorial Silver Fox Award The Bruce Williams Memorial Silver Fox Award was established in 2012 in recognition of the distinguished leadership of former Chair Bruce Williams The award was created by the Farm Mutual Re Board of Directors to acknowledge the contributions that Directors make to the success and development of their individual companies and the Mutual insurance industry as a whole Bruce was nominated by the Maritime Association of Mutual Insurance Companies and elected as a director of the Farm Mutual Re Board in March 2001 He served until his passing in March 2012 Bruce served as Chair of the Farm Mutual Re Board from 2009 to 2010 and as Chair of Southeastern Mutual in Riverview New Brunswick He was also former Chair of United General Insurance Company in Fredericton New Brunswick Bruce was considered one of Canada s most renowned silver fox breeders and fur farmers He pioneered the use of humane trapping methods for use by the Canadian and international fur trapping industry He was respected by the global fur industry for his promotion of the sustainable and wise use of Canada s fur resources The Silver Fox Award was presented annually for five years to active Directors of voting member companies of Farm Mutual Re who had demonstrated leadership commitment a distinguished contribution and an enthusiasm for education Recipients 2013 Percy Affleck PEI Mutual 2014 Bill Horvath Cayuga Mutual 2015 Gordon Smith Grenville Mutual 2016 Gerry Pullin Ayr Mutual 2017 Terry Malcolm Commonwell Mutual Each recipient was presented with an original Canadian work of art The artwork depicting the silver fox was commissioned in diverse mediums from artists across Canada A plan is in progress to exhibit the artists proofs in the New Brunswick room The Farm Mutual Re Board of Directors applauds the five recipients of the Bruce Williams Memorial Silver Fox Award The membership is to be commended for identifying individuals whose contributions truly stand out in our Mutual insurance community With the nomination of many worthy candidates it was an honour and a pleasure for the Farm Mutual Re Board of Directors to preside over both the Silver Fox Award recipient selection process and the artwork commissions for presentation in recognition of their contributions 1 James Street South 4th Floor Hamilton ON L8P 4R5 www agrozaffiro com p 905 527 6877 f 905 527 4736 15

O n ta r i o M u t u a l s N e w s l e t t e r 16 AU G UST 2 0 1 7 M u t u a l N e ws Appointment We are pleased to announce the appointment of Scott Graham to the position of Chief Operating Officer As a central player on the senior management team Scott will oversee day to day operations working closely with President CEO Ross Lincoln on strategy and business execution Scott comes to Grenville Mutual with a strong background in professional management through a variety of positions and departments in national retail operations financial services and most recently in the property casualty insurance sectors He brings a depth of understanding of the insurance industry most recently New Employee Tracy Jubenville has joined the Erie Mutual finance team as our newest Financial Administrator She earned her BA in Child and Youth Studies at Brock University but discovered an interest in accounting along the way Her financial background and experience comes from the floral industry and more recently from working with her husband in their machining business In addition to her finance qualifications Tracy also brings wonderful organizational skills learned from raising her three young boys Please join us in welcoming Tracy to our Mutual family overseeing the commercial property and casualty insurance division within a large Eastern Ontario brokerage He also brings first hand leadership experience to delivering value to customers Given his broad knowledge and understanding of the trends and pressures facing the insurance sector from the customer facing view Scott will be a valued asset to the team in driving overall internal and external business operations excellence and client relationship management With a strong affinity for community Grenville Mutual welcomes Scott to the team Investor Day In May Halwell Mutual s investment manager Addenda Capital sponsored an Investor Day in Toronto It was attended by Halwell Managers and CEO Marg Torrance Marg is pictured with former Prime Minister Brian Mulroney who was there to share his thoughts on global trade

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Wabisa Mutual Celebrates their 150th Anniversary On June 16th Wabisa Mutual celebrated their 150th Anniversary at the Walpole Antique Farm Machinery Association in Jarvis It was a day of beautiful weather great company and delicious food We were also joined by over 200 long time supporters and distinguished guests There were plenty of tasty treats and a delicious lunch provided by Southern Smoke food truck We would like to sincerely thank everyone who celebrated with us We thank you for making this such a memorable milestone and a great beginning to our exciting journey into the next 150 years Special thanks to our brokers for supporting us not only on this day but throughout the years To all our policyholders staff directors and friends we thank you for your continued commitment to Wabisa Community BBQ Middlesex Mutual held their 3rd annual community BBQ on June 22nd The event took place at Heritage Park in their hometown of Ilderton It was a great success with over 600 people in attendance Happy Canada 150 In honour of Canada s 150th birthday Lambton Mutual has installed a new Canadian flag at the front of the building We are proud to have been a part of this beautiful country for 142 years and counting Happy 150th Birthday Canada 17

O n ta r i o M u t u a l s N e w s l e t t e r 18 AU G UST 2 0 1 7 M u t u a l N e ws Crime Stoppers On May 4th the Erie Mutual Fire Insurance Company was once again the proud Corporate Sponsor of the Haldimand Norfolk Crime Stoppers 16th Annual Spring Dinner Auction held at the Lion s Hall in Jarvis There was great representation of Directors and staff from Erie Mutual Cayuga Mutual and Wabisa Mutual The many items on the silent auction tables as well as the live auction conducted by Erie s Chair Warren Burger raised approximately 3 600 Retirement Get 140 years of experience in Insurance Defense working for you 380 Wellington St Suite 1600 London ON N6A 5B5 www bbo on ca bboinfo bbo on ca 519 679 0400 ph 519 679 6350 fax After over thirty three years with our Claims Department Ursula Yetman announced her retirement effective June 16th 2017 Ursula joined Farm Mutual Re in the position of secretary and was later promoted to Claims Assistant Claims Examiner Senior Claims Examiner and finally Claims Supervisor What a career We all recognize Ursula for her unconditional dedication grace and congeniality Her thoughtfulness ability to listen and make informed decisions has greatly influenced many of our relationships with our Members and business partners She will be deeply missed but we can only feel happy for her after many years of service A celebration was held at Farm Mutual Re for Ursula on June 2nd

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Corporate Award of Merit Trillium Mutual is honoured to be the recipient of the prestigious Canadian Corporate Award of Merit for 2016 This honour was awarded through Human Synergistics a leading consulting firm that measures corporate values management processes human behaviours leadership styles and organizational culture This award is given to organizations that have a constructive culture and it recognizes the hard work and dedication that Trillium has demonstrated over the past three years Through an annual survey Trillium has been able to monitor and measure their cultural journey CEO Joe Dietrich summed up his feelings on this award by stating We are all very proud to have evolved our culture considerably in a short period of time just three years Trillium s commitment to this journey is proven through this prestigious award and this is truly an award for all of our awesome staff a team award This is about our culture and culture is about our people We live it and we created it together Winning this award is not just a feel good experience it s an accurate assessment that the organization is doing a lot of things right says Human Synergistics Canada President Allan Stewart And that basically means that not only will Trillium be a great place to work but also a fantastic company to do business with Belmore Homecoming Howick Mutual takes great pride in supporting our local communities and the events happening in those communities Every Howick Mutual employee is given a Volunteer Day to spend working with a local charity organization or event Howick Mutual was a Platinum Sponsor of the Belmore Homecoming which took place from June 23rd to 25th and we re very proud of the countless hours three staff members contributed to the organizing committee for this event We believe it is our duty to give back to the communities we work and live in 19

O n ta r i o M u t u a l s N e w s l e t t e r 20 AU G UST 2 0 1 7 M u t u a l N e ws New President CEO Lloyd Roseboom Board Chair on behalf of the Board of Directors of Bertie and Clinton Mutual Insurance Company BCM is pleased to announce the appointment of Paul Demare as President and Chief Executive Officer effective February 21st 2017 Most recently Mr Demare was President of Commercial Insurance Management Professionals who provide commercial lines operational improvements for Canadian insurers and managing general agents He was also previously employed by HUB International Insurance Brokers as Vice President Programs Prior to this Paul was Vice President for Pitcher and Doyle Insurance and had oversight of 25M commercial programs with responsibility for underwriting management and business development He has been a Regional Vice President for several Canadian insurers with significant personal and commercial lines portfolios He originally started his career with Guardian Insurance where he was introduced to all lines of business Westminster agents Paul Montgomery and Tim Wade spoke with attendees of the recent Belmont Fireman s Breakfast Westminster donated all of the food in support of their local fire station claims and business development and finished there as Branch Manager Paul graduated with a B A Economics from the University of Western Ontario He is RIBO licensed and earned his FCIP through the Insurance Institute of Canada with a major in Management He has served as an instructor mentor and ambassador for the Institute Mr Roseboom stated We are extremely pleased to have someone with Paul s experience and background join our company His insurance knowledge particularly in the area of commercial underwriting and his leadership in handling operational and sales focused professionals will be tremendous assets The Board believes Paul will be a great addition to our team and provide the direction and guidance needed going forward Paul and his wife Nathalie live in Toronto and are looking forward to relocating to the Niagara region

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Canada 150 North Kent Mutual Insurance NKMi celebrated Canada 150 by offering a Hudson s Bay Company Iconic Point Blanket to the winner of a Facebook contest The very excited winner picked up her prize in record time Several NKMi staff and agents were on hand to present the prize Fire Safety Brad Goodhill Warwick Township Fire Chief and Jim Lamb President of the Lambton County Fire Prevention Association were at Lambton Mutual Insurance on April 19th to demonstrate a Laser Driven Fire Extinguisher Simulator to the staff and directors Lambton Mutual President and CEO Deb Van Eyk is pictured presenting a donation of 20 000 towards the purchase of this valuable teaching tool The simulator will be used to educate the community on the correct and safe use of fire extinguishers throughout Lambton County This unit along with the Fire Safety House and other fire prevention tools are used by all of the Lambton County departments to promote fire safety 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 21

O n ta r i o M u t u a l s N e w s l e t t e r 22 AU G UST 2 0 1 7 M u t u a l N e ws New Employees Teri Lynn Oakley recently joined our claims department as a Claims Services Adjuster TeriLynn is passionate about delivering best in class customer service while balancing business goals and customer expectations She brings 15 years casualty claims insurer experience along with vendor medical administrative management She joins us from her recent role as a Broker with one of our dedicated firms Underwriting Assistant Sid Cohen Navi is also excited to join the Halwell team He has completed his CIP and is completing the Canadian Risk Management CRM program at the University of Toronto Sid has been in the insurance industry since 2010 in both underwriting and claims positions and is pleased to return to the Mutual system after his great experience working at Farm Mutual Re Fun facts Sid is a trained Veterinarian and a musician Kuusta Laird Barry has joined our Finance team as an Administrative Assistant A University of Guelph graduate Kuusta brings a wide range of skills from award winning international research and language teaching to volunteer work in the areas of tenant advocacy and skilled trades promotion among youths For the past eight years she worked in the automotive industry as a Service Manager and Bookkeeper for an independently owned repair facility She is an avid reader dog lover and practitioner of hot yoga Born and raised in Guelph her passion for the local community and her diversity of experiences are sure to make her a great addition to the team here at Halwell Summer Solstice Longest Day of Golf West Elgin Mutual recently hosted our first Summer Solstice Longest Day of Golf an idea pulled together by Kelli An DeCook AB Adjuster and Rae Perry Executive Assistant to raise funds to help children in our communities Businesses in our surrounding area and our own vendors provided amazing prizes and played a round or two of golf Kelli Ann and Agent Matt Ross were challenged to play 150 holes of golf while Agent John McWilliam did a marathon challenge playing 72 holes walking We raised over 3500 which will be used to help fund day camps music and dance lessons and other activities for children in the community Matt Ross Agent Kelli Ann DeCook AB Adjustor and John McWilliam Agent

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Open House Hello from MMFI Saskatchewan 2017 to date has been a whirlwind for MMFI Mid December 2016 our new building was completed We are moved in and feel quite at home in our new work space In April we had an Open House which coincided with our annual Broker Seminar being hosted in Waldheim The people of Waldheim the business community and the seminar attendees enjoyed cake and coffee a tour of the new office met with staff and saw first hand how things run in the office MMFI in the last couple of years has been experiencing new growth and 2017 has been no different Moving forward MMFI is undergoing a rebranding process These are exciting times for us as we strive to be a current and relative company for all of our customers Milestone Usborne Hibbert Mutual would like to congratulate Underwriting Manager Trudie MacDonald on her 20 years of service with the company Thank you for your dedication and hard work Trudie Retirement After 26 years with L A Mutual Insurance Company Colleen Brierley has decided to exchange her Underwriter sign for her Gone to the Cottage sign Those of us she left behind in the office wish Colleen all best in her retirement We know she is looking forward to enjoying time at her cottage as well as spending much cherished time with her family especially her grandchildren We wish Colleen a long and happy retirement Community Focused Entrepreneurial Driven Similar to the leading mutual insurance companies in Ontario MNP offers the best of us to every member of the communities we serve We know the strong sense of purpose that comes with being part of a cooperative having served companies like yours for more than 50 years Our financial services team are ready to talk to you about the challenges and opportunities in your sector from technology and consolidation to regulatory uncertainty we ve got you covered For community focused and entrepreneurial driven results contact Jas Chahal CPA CA Regional Financial Services Lead at 226 772 5242 or jas chahal mnp ca 23

O n ta r i o M u t u a l s N e w s l e t t e r 24 AU G UST 2 0 1 7 M u t u a l N e ws Retirement A retirement party was held June 16th for John Brennan Director John served on the Middlesex Board for 15 years and worked on all board committees throughout this time John is very active in the community serving his ward on Middlesex Centre Council He recently retired from the Arva Fire Department where he served many years Congratulations John you will be missed on the Board John with his wife Heather and daughter Trish Children s Farm Safety Day Heartland Farm Mutual Ayr Farmers Mutual and OMIA on behalf of Ontario Mutuals were proud to support the 22nd Annual Children s Farm Safety Day on June 17th The event organized by the Waterloo Rural Women was held at Heritage Hill Farms in New Dundee animal large machinery ATV and chemical safety The children rotated from station to station learning what to do and not to do around the farm to keep them safe Eight stations with various farm safety topics were taught to the 137 visitors Topics such as fire large Sidewalk Days The sun shone brightly as South Easthope Mutual staff participated in the Tavistock Sidewalk Day on June 3rd The event was held in conjunction with the town s annual World Crokinole Championship and town wide garage sales We had several activities for the public to participate in including a fire safety house operated by Hickson and Tavistock volunteer firefighters Sparky the Fire Dog even made an appearance South Easthope staff interacted with young and old as they came to play crokinole washer toss Plinko and a spin the wheel game to win South Easthope prizes Crime Stoppers attended and served popcorn to visitors Our showroom with the 1926 Ford Model T firetruck was open to the public as well South Easthope s Debra Gerber Zack Sparky Stevenson and Rachel Stewart

O n ta r i o M u t u a l s N e w s l e t t e r A M Best Rating Affirmation A M Best affirmed on May 25th 2017 the financial strength rating of A Excellent and issuer credit rating of A for Farm Mutual Re The outlook for both ratings is stable This is the second consecutive year that A M Best has recognized Farm Mutual Re s excellent financial strength and strong operating performance In its rating announcement A M Best continued to recognize Farm Mutual Re s excellent risk adjusted capitalization strong operating profitability during the most recent five year period and niche market position operating as a reinsurer of farm mutuals in Canada The positive rating factors reflect Farm Mutual Re s significant market expertise writing farm business since inception in 1959 Through its long standing direct distribution segment Farm Mutual Re is the exclusive reinsurer of 53 insurance companies operating in six provinces across Canada Farm Mutual Re achieves some premium diversification through its broker distribution segment in which the company writes property and crop reinsurance both within the U S and Canada The strong profitability during the recent five year period reflects management initiatives to sustain strong results inclusive of the application of improved pricing methodologies the commitment to disciplined pricing while maintaining a strong reinsurance program inclusive of aggregate reinsurance which should help to insulate earnings from the potential accumulation of natural catastrophe losses About A M Best A M Best is the world s oldest and most authoritative insurance rating and information source Ratings are issued on over 3 500 companies in more than 80 countries worldwide and are recognized as a benchmark for assessing a rated organization s financial strength as well as the credit quality of its obligations A M Best s opinion represents a comprehensive analysis consisting of a quantitative and qualitative evaluation of balance sheet strength operating performance and business profile The A M Best financial strength rating creates confidence for our customers and business partners Farm Mutual Re is more than a reinsurer we are dedicated to the sustainability and independence of the mutual insurance community April 2017

O n ta r i o M u t u a l s N e w s l e t t e r 26 AU G UST 2 0 1 7 M u t u a l N e ws Become a Small Giant The Erie Mutual Fire Insurance Company is proud to be organizing the inaugural Small Business Summit at Bethany Community Church in St Catherines on October 20 2017 The summit will allow individuals managing small to medium sized businesses to learn from others and network with colleagues Become a Small Giant will encourage attendees to focus on what they do well and how best to promote healthy growth as they become small giants in their industry Guest lectures include The Power of Social Media Maximize the Use of Analytics Technology in Today s Business and Successful Business Transitions For more information contact Darcy Johnson darcy eriemutual com or visit erie1871 wixsite com becomeasmallgiant Giving Back Halwell staff along with our broker partners at Colley Insurance participated in the Big Bike event in support of the Heart Stroke Foundation Together we had a great time and raised over 2500 for the foundation A big thank you to State Main restaurant in Guelph for housing us and for the food afterward Also with the funds raised through recent office events like our National Cupcake Day with Colley Insurance we were able to sponsor two cages at the Guelph Humane Society See below for one of our punny quotes To learn more contact BizXcel today www BizXcel com Qlik Toll free 866 905 2228

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Retirement 27 Canada 150 Terry Shea former CEO of PEI Mutual Insurance Company retired on May 31st after 32 years with the company Terry was originally hired as the Chief Financial Officer of the company in 1984 before being appointed to the position of CEO in 2001 During his 32 year term in both of these senior management roles Terry lead the company through its steady premium growth from 3 2 million in 1984 to 22 8 million in 2016 an incredible increase of 617 Staff at SEM were excited to celebrate Canada s 150th Birthday We dressed in red white had a pizza lunch and played a few games including a Canadian trivia contest In keeping with the Canadian theme the winners won a selection of maple syrup based products Did you know that 77 of the world s maple syrup is made in Quebec Oui Front row Shannen Innis Sandra Batten Back row Brenda Ryder Diana Stokes Shaun MacPhee and Amy Glenn The Board of Directors would like to thank Terry for his many years of service and dedication to the company and we wish him and his wife Alanna many years of active and healthy retirement New Employee North Kent Mutual Insurance welcomes Assistant Claims Manager George Malitsin George studied Business of Insurance at Conestoga College and has his Chartered Insurance Professional CIP designation He brings a wealth of claims experience from his time adjusting claims with Claimspro and working at AVIVA Canada in the National Claims department George lives in Chatham with his wife and son His family enjoys berry picking gardening and outdoor activities

O n ta r i o M u t u a l s N e w s l e t t e r 28 AU G UST 2 0 1 7 M u t u a l N e ws CEO Appointment The Board of Directors of SouthEastern Mutual announced the planned retirement of Claire Fanning from the position of CEO effective May 31st and the appointment of Shaun MacPhee as her replacement Shaun joined SEM in July of 2016 as Vice President Sales and Underwriting with succession goals in mind Shaun brings 16 years of diverse insurance experience gained in a variety of roles ranging from agency owner to Associate District Manager with The Co operators Insurance in PEI and in Moncton New Brunswick Shaun s sales background financial management experience recruitment and training skills bottom line management and the support of a large team of independent producers all under the umbrella of a multi line casualty insurance company has prepared him well for his new challenge Claire and Shaun have worked together very closely over the past 11 months ensuring Shaun is well prepared for the CEO role We are excited to have Shaun taking over at the helm for SEM and expect a smooth transition Please join us in congratulating Shaun on his success and wishing him more of the same as CEO of SouthEastern Mutual Giving Back University of Guelph Trillium Mutual is very proud to have made a donation of 120 000 to the University of Guelph as part of Canada s 150th Birthday This final donation will create a perpetual bursary for first year Ontario Agriculture students to pursue their careers in agriculture We are proud to support future farmers in helping shape the agricultural industry in Ontario Left to Right Sam Vadera Marketing Business Development Coordinator Trillium Mutual Joe Dietrich CEO Trillium Mutual Ben Rier Trillium Board of Directors Rene Van Acker Dean Ontario Agricultural College Karen Landman Interim Associate Dean External Relations Ontario Agricultural College

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Appointment The Board of Directors of PEI Mutual is pleased to announce the appointment of Blair Campbell as Chief Executive Officer CEO effective June 1st Blair previously held the Senior Management position of Claims Manager Legal Counsel and Corporate Secretary with the company He began his employment with PEI Mutual in November of 1990 and faithfully served our policyholders for 26 years Blair s background is in Law Economics and Business He is also an experienced insurance professional being a Fellow of the Insurance Institute of Canada Currently Blair serves as 1st Vice Chair on the Canadian Association of Mutual Insurance Companies CAMIC Board and remains a very dedicated advocate of the Mutual industry He has been a strong community supporter having been involved in many community organizations including the Chamber of Commerce Slemon Park the Summerside YMCA and the Silver Fox Curling and Yacht Club Blair and his wife Maureen reside in Summerside PEI with their two young adult children Justin and Cecilia both of whom are continuing their studies at post secondary institutions in the Maritimes Giving Back United Way Trillium Mutual began our Canada 150 celebrations with three donations of 10 000 each to the United Way Guelph Wellington Dufferin United Way Perth Huron United Way of Bruce Grey These donations will go towards providing meaningful financial assistance and support to the rural communities in which our members live and work Trillium is proud to be able to help support such an amazing organization Ken Dardano Executive Director United Way Guelph Sam Vadera Trillium Marketing Ben Rier Trillium Board of Directors Joe Dietrich CEO Trillium Andrew Williams United Way Campaign Chair Carolynne Champagne VP Resource Development Communications Ben Rier Trillium Board of Directors Francesca Dobbyn Executive Director Ben Rier Trillium Board of Directors Nick Lovell United Way Board Chair Joe Dietrich CEO Trillium 29

O n ta r i o M u t u a l s N e w s l e t t e r 30 AU G UST 2 0 1 7 M u t u a l N e ws Appointment Kim White President and CEO of Howard Mutual Insurance Company HMI is pleased to announce the appointment of Jodi Rich as Chief Financial Officer effective May 2nd 2017 Ms Rich has worked in the insurance industry for several years acquiring extensive financial and leadership experience She was an Automobile Underwriter for three years and CFO for eight years at North Kent Mutual and she was most recently President at Caradoc Delaware Mutual for four years She also held a seat on the Mutual Concepts Computer Group MCCG Board of Directors Jodi has a CIP designation from the Insurance Institute of Canada She has attained a certificate from the Canadian Insurance Accountants Association for completing the advanced level courses She also has an Accounting diploma from McMaster University Jodi s extensive background and experience in the insurance field makes her a valuable asset to the HMI team and we look forward to working with her Jodi and her husband currently live near Thamesville where they own their own farm Community Events On June 10th SouthEastern entered a team in The Boys and Girls Club of Riverview s Race for Kids an urban adventure race in which teams of four were given ten clues to locate ten pit stops throughout the town This year our team placed 3rd in the adult category That same afternoon we had two teams of four participating in the Children s Wish Foundation Mini Putt SouthEastern Mutual was pleased to be one of the hole sponsors From left to right Sandra Batten Jeff MacDougall Michelle Bourque and Shannen Innis On June 17th SEM was pleased to be a hole sponsor at the Bennett Albert County Health Care Foundation Golf Tournament which raises funds to promote a healthy and sustainable community Although it was a very wet day our Agent Jeff MacDougall and Underwriter Michelle Bourque greeted golfers with a smile some refreshments and chocolate treats They also challenged the golfers with a game of wiffle ball pitching into a hula hoop

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s New Employees North Blenheim Mutual is pleased to welcome three new employees to the team Rence Amos joins our claims department with a fresh eye to insurance and is working towards his CIP certification Rence s experience with customer service will serve North Blenheim policyholders well We have expanded our underwriting team to include Jenn Smith who comes to us with 17 years of insurance experience in underwriting and sales Seamus Doherty joins us in a new position of Sales Manager and Business Development Seamus will provide valued leadership to our sales team with 32 years of experience in the insurance industry behind him Updates from SEH Customer feedback is critical to SEH s strategic planning process In May we hosted our first Key Persons League Meeting to gather that feedback As a result work is underway on two third party integrations These new integrations will significantly boost Titan s capability to support claims processing business intelligence and ad hoc reporting In the fourth quarter work will start to add value to and enhance the capabilities of our internet portal Titan Web WIP conversion update On January 1st 2015 SEH Computer Systems Inc SEH merged with Nopper Associates and assumed responsibility for client support Our program to convert Nopper WIP users to SEH s Titan system continues with the Usborne Hibbert Mutual conversion completed in the first quarter of 2017 100 of their policies and claims were successfully converted Work continues on the Algoma Mutual WIP conversion project This project remains on track to complete in the fourth quarter of 2017 31

O n ta r i o M u t u a l s N e w s l e t t e r 32 AU G UST 2 0 1 7 M u t u a l N e ws Grand Opening HTM Insurance Company held a very successful grand opening of their new office building on July 13th Many guests gathered to celebrate the expansion of HTM with live music lunch and cake There was a ribbon cutting ceremony to commence the official opening of the new building cut by Bruce Buttar Chairman of the Board of Directors for HTM Also present was Cobourg Mayor Gil Brocanier Northumberland Quinte West MPP Lou Rinaldi town crier Mandy Robinson Farm Mutual Re President Steve Smith and OMIA President John Taylor The new HTM buiding The company began in 1898 as Hamilton Township Farmers Mutual Fire Insurance Company and for the last 35 years their office was located on Division Street by the 401 in the Town of Cobourg As of May 2017 they moved into a new home still in Cobourg but now located on the corner of Elgin Street West and Wilkins Gate In choosing to remain in Cobourg HTM s Board recognized how much the community has to offer growing businesses like HTM The new office will help retain and attract employees by providing a dynamic and modern facility that promotes productivity health and vitality HTM is very community minded so we incorporated a large community room that will be provided to non profit groups for their meetings at no charge Ribbon cutting CEO and President of HTM Alec Harmer stated in his remarks at the opening It is a symbol of what HTM is and will continue to be modern and bold HTM is very happy with the tremendous support received from all around and look forward to their future in the new building HTM Staff Photo Credit Chantelle Watt

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s New Employee Brant Mutual would like to introduce our newest team member Shinon Kim Shinon joins Brant Mutual as its newest Personal Lines Underwriter He spent the last year at Farm Mutual Re and we re happy to have him as part of the team Where is this Can you guess Named after King George IV this Ontario jewel forms the northeastern arm of Lake Huron It s characterized by rugged bedrock and white pine forests to the north and sandy southern beaches Shinon holds a Bachelor of Arts in Economics from Wilfrid Laurier University as well as a Business Diploma from Mohawk College He brings a wealth of knowledge to Brant Mutual in new and exciting areas Welcome aboard Shinon That s right it s Georgian Bay Specializing in Subrogation Maximize your subrogation recoveries and free time for your staff to focus on more critical adjusting work Outsource all of your subrogation needs for one low yearly fee We can handle individual subrogation files on a contingency or flat fee basis depending on your preference Please contact us to discuss your subrogation needs request a price list or to book a FREE file review Suite 216 762 Upper James St Hamilton ON 905 389 4522 christine sageclaims ca sageclaims ca Trillium s Board Chair Ross Lamont received his certificate for completion of the Directors certification program through OMIA President CEO Joe Dietrich presents Ross with his certificate Congratulations Ross Congratulations to Tammy DeRoos who celebrated her 20th year with West Elgin Mutual on June 29th 33

O n ta r i o M u t u a l s N e w s l e t t e r 34 AU G UST 2 0 1 7 M u t u a l N e ws Community Support Trillium Mutual is proud to have been a co sponsor of the Crime Stoppers of Grey Bruce Inc 25th Annual Golf Tournament held at Southampton Golf Country Club on June 1st We have been partnering with Waterloo Brewing for this great event and 2017 had a record attendance We raised a record donation of 25 000 to this cause A huge thank you to all the volunteers sponsors and participants for making this the best one yet We look forward to the continued success of this annual event In 2016 Perth County OPP responded to 67 separate incidents of auto theft and recovered stolen motor vehicles in the Municipality of North Perth Police spent over 800 hours investigating these incidents Over 95 of stolen vehicles had the keys left in them when they were taken An additional 563 hours was spent by police investigating other thefts in the Municipality of North Perth Trillium Mutual has partnered with the Municipality of North Perth and Perth County OPP because we believe strongly that victim action and community awareness about the widespread consequences of preventable auto theft is key to solving the problem Joe Dietrich left President CEO of Trillium Mutual along with tournament Co Chair Evan Hayter present Betty Egerdeen Chair of Crime Stoppers of Grey Bruce with the 25 000 cheque On May 29th 23 Trillium staff supported the Heart Stroke Foundation by participating in the Big Bike Ride Team Trillium raised just over 2 400 The children of Arthur will be able to cool off in a brand new splash pad this summer Trillium Mutual and John F Smith Insurance were pleased to support this Optimist Club initiative with a donation of 1 500 Left to Right Rob Scott Perth County OPP Detachment Commander David Colyn Manager of Claims Risk Trillium Mutual Kriss Snell Municipality of North Perth CAO and Sergeant Scott Bentley North Perth Contract Manager Perth County OPP

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s Changes at OMIA Joanne Coupland retired from the Ontario Mutual Insurance Association at the end of 2016 She began her career at OMIA in July of 2000 undertaking various roles in the Statistics and Information Services Department her most recent being Desktop Administrator Data Quality Representative Those who had the pleasure of working with Joanne know that she brought a fun and light hearted spirit to every task Her dedication and service to our Mutual companies will be missed and her work at Christmas to lead OMIA in the support of families in need was a shining example of her kindness All the best Joanne OMIA is pleased to announce the appointment of Ming Pan to the position of Business Intelligence Analyst effective May 29th 2017 On June 30th 2017 Deb Gray retired from OMIA after 6 years as Manager of Marketing and Communications Deb s career spanned many different roles from operating a creative agency to corporate marketing with a national insurance carrier In her 6 years Deb transformed OMIA s approach to marketing Working with the Marketing Committee Deb undertook consumer research formalized a strategic marketing plan and developed the next generation of our Ontario Mutuals visual image and message including our tag line We re in this together With a healthy schedule of farm and trade shows new product marketing launches and video productions and the development of an OMIA marketing team it was a busy and productive 6 years Best of luck Deb on your next adventures and an active and happy retirement Ming is a recent graduate of the University of Waterloo where he completed his Bachelor of Mathematics majoring in Statistics and minoring in Computer Science After a thorough recruiting process and after evaluating a number of very strong candidates we have selected Lisa Hunter to move up and into the role of Manager Marketing Communications effective August 1st 2017 Ming will work closely with Member Companies in statistical reporting and the ongoing development of Qlik Sense Lisa joined OMIA in early 2007 In her time with us she has established strong relationships with co workers member companies Farm Mutual Re and industry partners She has demonstrated her deep commitment to the Mutuals broadened her skills and been an important contributor to the development and growth of our marketing and communications efforts Welcome Ming Congratulations Lisa 35

O n ta r i o M u t u a l s N e w s l e t t e r 36 AU G UST 2 0 1 7 M u t u a l N e ws Retirement After serving the Howard Mutual Insurance Company for 27 years Peter Cumming has retired from the Board of Directors Peter was first elected in 1989 and has served continuously since He has been involved in the hiring of a new President and CEO he saw the expansion of the company office building and served on and chaired various committees Howard Mutual recently honoured him at a reception with family friends staff and directors past and present We wish Peter well in his next adventures New Employee West Elgin Mutual would like to extend a welcome to Patty Tompsett CIP Patty joined the team on July 17th as our new Business Development Manager For the past two years she has been overseeing The Co Operators branches in Blenheim and Tilbury Prior to that Patty held several different positions with State Farm at the corporate level for 14 years Patty is career driven with a passion for learning and personal growth while also motivating others to learn grow and succeed She is a wonderful addition to the West Elgin team Welcome Patty Functional Rehabilitation Inc is one of the only privately Canadian owned and operated assessment and rehabilitation companies in Ontario We re proud to offer personalized boutique style service 24 7 rapid response creative problem solving streamlined and modern reports with a unique and easy to read structure a medical resource team always available for consultation thoughtful holistic based assessment and treatment Give us a call we welcome the opportunity to discuss how beneficial a partnership with Functional Rehab can be Mutual Insurers get a 10 discount 115 King Street West Suite 200 Dundas ON L9H 1V1 Phone 905 628 5902 Toll Free 1 800 265 1359 Fax 905 628 3715 referrals functionalrehab ca www functionalrehab ca

O n ta r i o M u t u a l s N e w s l e t t e r AU G UST 2 0 1 7 Mut ua l Ne w s New Building We re very pleased to announce that we moved into our new building on June 5th We re now located at 535 Hanlon Creek Blvd Guelph ON N1C 0A1 There are still some finishing touches being done to the exterior of the building but the interior is fantastic We all feel so lucky Save the date we ll be holding an open house on September 6th from 2pm to 6pm Team Building In preparation for our move to the new building Halwell Mutual Management decided to hold a team building event to help redefine our office culture We spent half a day at Eagle s Flight in Guelph learning to work together to communicate openly and to recognize everyone s role in the bigger picture It was a very valuable experience for all 37

O n ta r i o M u t u a l s N e w s l e t t e r 38 M u t u a l N e ws AU G UST 2 0 1 7 20 17 AGM Toron t o Annual Convention in Pictures

O n ta r i o M u t u a l s N e w s l e t t e r Even t s AU G UST 2 0 1 7 Mut ua l Ne w s Ontario Mutuals Annual Golf Tournament The Ontario Mutuals Annual Golf Tournament was held at the beautiful Highland Country Club in London on June 8th The weather couldn t have been better for the full roster of 144 golfers who helped to raise 10 000 for the Farm Mutual Foundation OMIA and Westminster Mutual thank all golfers and sponsors for their generous support Winning Team North Kent Mutual Brian Ennett Gregg Tuckwell John Podolinsky Marc Swayze Second Place Team Kevin Inglis Howick Mutual Brad Vanstone West Wawanosh Mutual Jim Mays Siskinds LLP Randy Drysdale Farm Mutual Re Most Honest Tradition Mutual Harry Bryant Jeff Irwin Maryjane Littlejohn John Nyenhuis Men s Longest Yard Brent Roloson Norfolk Men s Closest to Pin Terry Knight North Blenheim Women s Longest Yard Susan Cook Middlesex Women s Closest to Pin Susan Cook Middlesex Putting Contest Mat Menich Norfolk Mark your calendars Sept 12 14 Canada s Outdoor Farm Show Canada s Outdoor Park Woodstock Sept 19 23 International Plowing Match Walton Huron County Oct 1 3 CAMIC Convention The Westin Ottawa Hotel Ottawa Oct 22 24 OMIA Presidents Managers Meeting Blue Mountain Resort Collingwood Oct 25 26 IBAO Ottawa 39

2017 Schedule November 2017 Issue Call for Material September 1 Last date for Material October 11 Publication Date November 9 Please send your news photos updates and more to marketing omia com Every issue of OMIA News can be read online at OMIA com and sign in is not necessary You can see OMIA News issues back to 2009 online Just visit www omia com and pick OMIA NEWS from the top tab READY TO GO GREEN Please drop us an email if you d prefer to read your OMIA News online and help us save paper and ink Email marketing omia com and we ll be sure that your name is included on the email notification that goes out when a new issue is available And keep that news coming Address 350 Pinebush Road Cambridge Ontario N1T 1Z6 519 622 9220 Fax 519 622 9227 Mail P O Box 3187 Cambridge ON N3H 4S6 www omia com