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OM NEWS O N TA R I O M U T U A L S N E W S L E T T E R APRIL 2022 Reflections On a Theme HOW MUTUAL STAFF MAKE A DIFFERENCE OMIA Chair Steve Quinn pg 4 pg 1

Stepping Into Spring It s always amazing how quickly we seem to turn the calendar to April and look ahead to the many projects and events the year has lined up for us It s a busy but refreshing time to gather new energy for the sunnier days ahead Just last month we held our annual convention in person and what a treat it was to see our many mutual friends and colleagues in one place again Although it has been a long two years or so it certainly gave us a new appreciation for the relationships we ve forged over these 140 years We always look forward to sharing your achievements milestones and community contributions in these pages The efforts of the mutual community even through the challenges of the pandemic are truly commendable and a great indicator of mutual strength then now and into the future John Taylor President Ontario Mutual Insurance Association OM News is produced by the Ontario Mutual Insurance Association on behalf of our member and associate member companies Our Mission To serve and strengthen our mutual insurance community Our Vision Grassroots insurance at the core of thriving communities

OM In this issue April 2022 2022 OMIA Annual Convention 58 4 A Message from OMIA s Chair 38 Appointments Position Changes 6 A Message from OMIA s Past Chair 44 Accomplishments 8 New Team Members 48 Milestones 49 Education Calendar 50 Retirements 52 Other News Events 55 In Memoriam 58 OMIA Annual Convention 22 Steve Quinn Cayuga Mutual John Stirk Dufferin Mutual Welcoming New Faces to the Mutual System Mutuals Give Back This is How We Support Our Communities Giving Back 11 Transforming the Mutuals Congratulating Mutual Members on Their Professional Development Recognizing Significant Anniversaries OMIA Education at a glance Celebrating Those Who Helped Us Thrive More Mutual News Remembering Our Mutual Family Members We re In This Together

A Message from OMIA Chair Steve Quinn By the time you read this note I hope winter s icy grip has finally slackened and the cloud of the pandemic has continued to dissipate Spring signals new beginnings so let us look to the OMIA Annual General Meeting as a fresh start in our collective post COVID journey It has been said that as you get older time seems to go by faster and faster and while Harvard researchers have found a physiological link to support such a statement it hardly seems comforting Time does appear to have flown by from those inaugural OMIA board meetings most of which I managed to attend on time to sitting here writing my first Chair s message I am truly honoured and humbled to serve as your OMIA Chair this coming year and while it looks to be a busy time I am anxious to meet the demands of the membership and the association One of the many benefits of inheriting the OMIA Chair is that one can take time to reflect on past Chair messages and look for meanings and connections to one s own thoughts Themes such as People are Important Service is the Key Together We Can Together We Will We re in this Together and Together We Are Stronger are just a sample of the messages that struck a chord For me these themes speak of people and their commitments two central ideas in my them Our People Our Communities A Celebration of Success As we know our Mutual System s foundation was constructed upon the notion of neighbour helping neighbour and by extension our people and their commitments to the communities in which our mutual companies have flourished Just as rising tides lift all boats our employees and directors continuous giving to their communities through various organizations and associations has raised the prospects of all So over the next year my invitation to the membership is to assist in shedding light upon and celebrating those within our mutual system that have without fanfare given of themselves to make their communities a better place to thrive To this end we are introducing a new section of the OM News Meet Our People Here we ll celebrate those special people whom we affectionately call relentless volunteers In this edition you will meet two such individuals We welcome and encourage your future submissions I look forward to seeing many of you over the coming months hearing your stories and celebrating our successes Respectfully Steve Quinn Service to others is the rent you pay for your room here on earth Muhammed Ali pg 4

Our People Our Communities A Celebration of Success OMIA Chair Steve Quinn s theme is about celebrating all the good our mutual staff and directors do in their communities Afterall without our dedicated team members we wouldn t be able to make the incredible impact we do each year To support Steve s message Cayuga Mutual staff and directors participated in a short video highlighting their own volunteer work The video was played at OMIA s Annual Convention and can be viewed at omia com under Events Annual Convention Here are some of the organizations that are supported at just one mutual We look forward to learning of many more this year Ancaster Girls Baseball Cayuga Minor Hockey Haldimand Youth Soccer Haldimand Huskies Catholic Youth Organization Caledonia Agricultural Society Junior League Cayuga Golf Club Fisherville Lions Essential Aid Children Family Services Ancaster Minor Hockey Knights of Columbus St Stephen s Church Juravinski Healthcare Centre Burlington Eagles Hockey Ancaster Minor Baseball Local Outreach Committee pg 5

A Message from OMIA Past Chair John Stirk Over the course of the past year I have tried to reflect upon our rich history and the reasons for the success and longevity of mutual insurance Previously I have written of the importance of trust and what it means in our relationship with the policyholders Last summer I suggested that our strong sense of identity and our financial conservatism were key factors in the longevity of mutual companies In the last OM News I conveyed thoughts on the value of policyholder ownership and the stability it has offered However my theme for the year Still Standing for a Reason isn t just about the past We use the past as a window into the future Our past successes and failures can provide us with insight when making decisions for the future The fundamental purpose of mutual insurance is service to the policyholders This is what has driven mutual insurance since its inception It is that purpose that needs to continue to lead us into the future As we pass the torch to the next generation of mutual leaders I hope they will use this as their guide It has been an honour to be part of our association s Board of Directors and to serve as Chair into our 140th anniversary year I would like to express my gratitude to the staff at OMIA for their tireless assistance and encouragement and finally my sincere thanks to the Policyholders for the opportunity to serve Ontario Mutuals Still Standing for a Reason John Stirk Past Chair pg 6

Get to Know More About John Stirk Many in our mutual community lost the opportunity to really get to know John Stirk during his year as Chair The conferences conventions events and meetings that mark a typical year of relationship building were put on hold or moved to a virtual environment Here are some questions we asked John to give you a bit more insight into who he is Which living person do you most admire I have great admiration for OMIA President John Taylor He always presents himself in a professional manner and is respectful of everyone Where in the world would you most like to live Right where I am now East Garafraxa Ontario What is your most treasured possession Our home farm What is your greatest extravagance Tim Horton s coffee at the drive thru What genre do you most like to read Historical fiction Authors such as Edward Rutherford Bernard Cornwell Ken Follet and Wilbur Smith What is your current state of mind Very positive There has never been a better time in history to be alive or with more opportunity What quality do you most like in a person Integrity My family would tell you I am Quoting my daughter Nicole Always willing to try new things and always inspiring us to keep challenging ourselves Which talent would you most like to have I would like to be a better writer What is your favourite pastime or hobby Learning new skills What do you consider to be your greatest achievement Being part of a family that I am proud of What is the most interesting place you have ever visited Quebec City and in particular the Citadelle of Quebec Home of the 22nd Regiment Who is your hero of fiction Atticus Finch from Harper Lee s To Kill a Mockingbird He taught his children to do what is right not what is easy If you could visit and explore any time in history which time would you choose Ancient Egypt What do you think is the greatest opportunity for the mutuals I believe that we should grow the concept of mutuality of people helping other people There are communities that would benefit from our involvement as insurers We have the resources connections with other potential stakeholders expertise and goodwill to make it possible What do you think is the greatest challenge for the mutuals To make sure that we continue work together To continue to build and move forward as one for the benefit of the policyholders What is your personal motto There is always something to be grateful for pg 7

Ayr Farmers Mutual Welcome Greg Fickling to the role of Manager of Claims Loss Prevention Greg comes to us from Thamesford where he and his wife Morag and their son reside Greg has worked in various capacities of insurance claims caring for Policyholders for the last 27 years He was an all lines independent adjuster with Claimspro for many years and a senior examiner specializing in casualty claims at Frank Cowan Greg has held claims management roles at the Guarantee Company of North America and continued in a leadership role when they were acquired by Intact Insurance approximately a year and a half ago Greg has a passion for mentoring teams and delivering an excellent Policyholder experience Welcome Alan Johnston to the role of Business Analyst Alan comes to us from Howick Mutual where he helped improve the workflows within their claims department while also working as a Multi line Claims Adjuster With a passion for numbers and excellent customer service skills we re excited Alan has joined the Business Analyst team Alan grew up in Teeswater a small farming community in southern Bruce County He now lives in St Marys with his wife Amanda and their dog Palmer When not at work he can be found on the golf course watching the Leafs Jays or Packers play or hanging out with Amanda and Palmer New Team Members Welcoming New Faces to the Mutual System pg 8

Ayr Farmers Mutual Welcome Thomas Mundie to the role of Agent Originally from the Glen Morris area Thomas has been living in Kitchener for the past decade He studied Business Administration Financial Services at Algonquin College in Ottawa His experience over the past decade has been focused on financial services TD Bank customer service and most recently insurance farm insurance through Agricorp He earned his CIP designation in 2020 When not at work Thomas enjoys spending time with his wife Courtney and their puppy Winston as well as playing golf and hockey Welcome Scott Gagnon to the role of Business Development Coach Scott grew up in Milton He now resides in Ayr with his wife Karla and their son Scott has a broad range of experience including more than five years of sales experience in the insurance industry He also has worked for a non profit running programs at a youth drop in centre Most recently in his role at RBC Insurance Scott coached onboarded and trained Agents using the Guidewire platform Scott has a passion for helping others and supporting people to reach their full potential Welcome Ron Lapointe to the position of Agent Ron was born and raised in Woodstock where he still lives with his wife Jennifer their two children and their dog Doug Gilly Gilmour Ron joins us from Jamieson Hilts now called Insurance Store where he was a successful Commercial Insurance Broker for the past seventeen years Ron enjoys sports particularly golf and hockey and for many years he coached his children in baseball and was an executive member of the Woodstock Minor Baseball Association Welcome Valerie Val Sadler to the position of Receptionist Providing the best customer service is what Val enjoys most about being a Receptionist a role she has held for several years in the insurance industry She resides in Kitchener with her two children and loves spending time with family and friends Welcome Sarah Graff on a long term contract as Data Entry and Portal Support For the past five years Sarah has run a home based daycare While she loves working with children she is excited to get back to working in an office setting Previously she worked at Allianz Global Assistance administratively providing verification in insurance coverage Welcome Kyle Mansbridge to the role of Agent Kyle grew up in the town of Bright He now lives in Woodstock with his wife Lindsey and their son Kyle loves being a Dad and spending quality time with his family With more than ten years of insurance industry experience in claims marketing and as a Broker we are excited to have Kyle on our team pg 9

Brant Mutual Brant Mutual s very own Young Gun Rob Nagy has returned home and we welcome him with open arms Having been in the industry for over 10 years Rob has always made big waves He is involved in many community organizations and excels when he has many items on the go I started with Brant Mutual in May 2011 and left the company in late December 2020 to pursue a different role in the industry After doing that for 10 months I missed the company and my heart brought me back to Brant Mutual I love everything about Brant and it s where I like to call home I believe strongly in the company and how we treat our policyholders so it was fitting to come back here to serve once again Patricia Fediurek joined the Brant Mutual team in January 2020 with a contract position as reception administration During her first year Patricia showed up every day with passion eagerness to learn she s dependable and has strong work ethic These traits led Brant to offer her a permanent full time position as the Administration Assistant to the Agents In September 2021 she successfully passed the OTL and had another positive job title change to Personal and Commercial Lines Agent CSR Patricia has set her sights even further now as she has recently started the journey to obtain her CIP We wish her the best of luck on this journey and with her studies We are thrilled to you on the team Dufferin Mutual We re pleased to announce that Alison Colley has joined our Dufferin Mutual family as Controller Alison started in this role on January 4 2022 working alongside Lisa White to ensure a smooth onboarding process and ultimately a transition of accountabilities to enable Lisa s retirement We are fortunate for Lisa s continued loyalty and commitment as she supports Dufferin Mutual through this changing of the guard We would also like to welcome Matt Cameron to our staff as he will be taking on the role of Customer Service Representative in our Mount Forest Agency Matt comes to us as a graduate of Durham College and is an active member in the community We believe he will be an excellent addition to our company We are looking forward to getting to know Matt and having him a part of our team pg 10

Dumfries Mutual Dzhanser Efraimov recently graduated from Mohawk College s insurance program and is excited to be in his new role as Property Underwriter Dzhanser looks forward to applying the knowledge and skills he has acquired from Mohawk and from his previous role as an Insurance Broker We re excited to welcome Dzhanser to the Dumfries Mutual Team Our new Task Administrator Kayla Richardson has a medical administration background with a previous two year position at the Victorian Order of Nurses VON She is a self proclaimed artist with a knack for cartoons and illustrations and we look forward to her creative energy on the Dumfries Mutual team Meet our new Accounting Assistant Fabrice Mugisha Fab is a graduate of the Business Administration Accounting program from Conestoga Some of his passions include math numbers the Toronto Raptors Manchester United and getting to know those around him better We are so lucky to have Fab on our team We re pleased to announce the addition of Jobanjit Singh to our team as our new IT Administrator Jobanjit was born and raised in Amritsar Punjab India He came to Canada as an International student and successfully completed his studies from Conestoga College He started his career in the IT Industry as an IT Network Technician in 2019 Welcome to the team Jobanjit Please welcome Swara Shah as our new Underwriting Assistant Swara moved to Canada in 2019 and completed multiple postgraduate certificates in Professional Accounting and Insurance and Risk Management She also has a Bachelor s Degree in Accounting and a Post Graduate Certificate in Banking and Insurance Swara worked as a bookkeeper in India and was also a certified tax practitioner Welcome Swara Corinna Nickless is a natural choice for our new Customer Service team supporting our agents and their policyholders She joined Don Graham s team in November 2020 coming from another insurer It was a seamless transition thanks to Corinna s dedication to great service Welcome to the team Corinna Need Surveillance We re the Investigators you can Trust We specialize in surveillance for mutual insurance companies and have a proven track record of providing discrete ready for court investigations that help our clients get the most out of their claims investigations We service all rural and urban areas of Ontario and employ only top rated and experienced investigators www mutualinsuranceinvestigator ca Direct Contact jcrowley crowpi ca pg 11

Farm Mutual Re Jessica Buck joined the Human Resources Department in the role of HR Coordinator in February Prior to joining Farm Mutual Re Jessica was at Linamar Corporation as a Human Resources Generalist and Campus Recruiter Jessica also has experience working at GM Canada and MediShare Inc in Human Resources functions Jessica is a graduate of the University of Waterloo and holds a Bachelor of Arts Degree in Psychology and Business Jessica is also working towards her Human Resources designation Laura Better Castillo joined the Human Resources Department in the role of Front Desk Administrator in December Prior to joining Farm Mutual Re Laura was at the YMCA of Three Rivers working as a Receptionist and Administrative Assistant supporting the Immigrant and Employment Services team Laura completed the Office Administration program at Conestoga College and brings with her a passion for volunteerism and support for the community Steve Dupe joined the IT Department in the role of System Administrator in February Steve was most recently with OMIA as their Network Administrator and Infrastructure Analyst Prior to OMIA Steve held positions with different security companies Precision Resource Group and owned his own IT company for several years Steve is a graduate of TriOS College and holds a diploma from Conestoga College in Electronic Engineering Technology Steve is an avid learner and holds several Microsoft and Cisco certifications as well is a Certified Information Systems Security Professional CISSP Isaac Stevens joined the IT Department in the role of Software Developer in October 2021 Most recently Isaac was with AGI Suretrack and Gryphtech in the role of Software Developer Isaac also worked as a freelance ASP Net and SQL Developer Isaac is a graduate of the Universidad Interamericana de Panama with a Bachelor s degree in Software Development a Postgraduate in System Management and a Master s degree in System Management Isaac is passionate about new technologies and how to make software development easier to develop maintain and deploy Dana Marr joined the Innovation Department in the role of Head Innovation Design in November 2021 Dana brings over 20 years of design experience to Farm Mutual Re most recently performing the role of UX User Experience Design Lead Global Innovation with Scotiabank Dana has also held similar positions with D2L and BlackBerry Additionally Dana brings a passion for providing a human centered approach to innovation In this role Dana will lead and manage the innovation design practice with a primary focus on innovation execution This includes managing the ideation and prototype process working closely with the Innovation group to deliver MVPs and POCs that create opportunities for scale Dana will also support the development of innovation programming and Farm Mutual Re s participation in the external innovation ecosystem pg 12

Farm Mutual Re Uzair Bombaywala joined the IT Department in the role of IT Technical Support in March Prior to joining Farm Mutual Re Uzair was at F12 net as a Technical Support Specialist Uzair also has experience working at Memofix Hi Tech Services and S P Data in IT related roles Uzair is a graduate of BMCET Gujarat Technical University and holds a bachelor s degree in Electronics and Communication Engineering Uzair also holds a master s degree in Electrical and Computer Engineering from Concordia University and is a Cisco Certified Network Associate Janeth Fernandez Ramos joined the Actuarial Department in the role of Actuarial Team Leader in October 2021 Prior to joining Farm Mutual Re Janeth was at Odyssey Services as a Senior Actuarial Analyst and has experience as a Catastrophe Pricing Modeler Janeth also worked as a lecturer in Reinsurance Theory at the National Autonomous University of Mexico Janeth is a graduate of the National Autonomous University of Mexico with a BSc in Actuarial Science and holds an Associate of the Casualty Actuarial Society ACAS designation HT C Mutual Levis Awuh joined our team in November in the newly created role of IT Systems Analyst Although new to the property casualty insurance world Levis brings strong functional and technical knowledge of IT systems administration and project management to HT C As he familiarizes himself with our operating and broker management systems Levis will help enable the planning implementing and maintaining of our digitally driven initiatives Welcome Levis Brett Borden also joined HT C Mutual in November as our Claims Manager With his 26 years of extensive claims experience and knowledge from both the company and independent adjuster perspectives Brett brings a clear understanding of what it takes to meet our members and business partners expectations when it comes to keeping our promises Erie Mutual We re happy to announce the addition of Heidi McKenna to our Underwriting Department Heidi joined Team Erie near the end of December 2021 and has been a welcomed addition given her years of experience in the mutual system since 2006 Her focus will be farm underwriting as we continue to service and grow this essential segment of our members Welcome Heidi Tim Curtis joined Erie in time to make a great sales push in Q4 of 2021 He is an experienced and dedicated insurance professional including previous years within the mutual system Tim will focus on sales of new business across all personal lines farm and commercial His knowledge in all areas will be a huge asset in growing our company pg 13

A Snapshot of the New Hires at Heartland Farm Mutual Janaki Patro Solution Lead Ed Delong Claims Rep Lisa Inacio Commercial Auto Specialist Miriana Harris Claims Rep Vishesh Kaura Finance Rep Catherine Kyle Finance Rep Jelena Petkovic Finance Rep Sasha Serwaczek Receptionist Trevor Rottgen Finance Co op Brayden Walcarius Actuarial Co op Kurtis Cunningham Claims Assistant Dan Deruytter Facilities Manager Howard Mutual We re pleased to announce that Elyse Kilbride has joined the Howard team as an Agent Elyse enjoys helping clients when changes have occurred focusing on using real world scenarios to describe coverages to her clients and provide them with a better understanding of their policy Teamwork has been a part of her growth and Elyse is looking forward to working with and learning from her peers while building trusting relationships with policyholders Elyse brings great knowledge in the agriculture field as a University of Guelph graduate studying Agriculture in the CHATS program with an emphasis on Crops When Elyse is not working you may find her out helping with the family farm keeping herself involved in her community by refereeing children s sports gardening crafting and volunteering at school events Elyse s values and way of life touched on every aspect of Howard s brand pg 14 Jennifer Moreau has joined the Howard team as Property Field Claims Adjuster and we re thrilled to have her here Although a new staff member to Howard we have had the pleasure of working with Jennifer on past claims through another claims service Jennifer brings her appreciation and understanding of the mutual insurance system positive relationships with our vendors empathy to our policyholders and that personal touch that Howard strives for by providing great customer service to our policyholders in times when it is truly needed An avid runner and an active outdoor person who enjoys paddleboarding ice fishing and cross country skiing Jennifer resides in West Lorne together with her husband and teenage daughter

Kent Essex Mutual We re pleased to announce that Marlene Small Physical Damage Auto Adjuster has joined the K E team Marlene has 14 years claims experience in various roles and is familiar with the mutual way She is a great addition to the claims team Welcome Marlene Westminster Mutual Our commercial underwriting team is growing with the recent addition of Dawn Tuplin CIP Dawn joined Westminster in late 2021 as an Agri Commercial Underwriter assuming responsibilities in both agriculture and commercial lines With over 10 years insurance experience in both claims adjusting and as an insurance broker she brings a wealth of knowledge Maximize your subrogation recoveries and free time for your staff to focus on more critical adjusting work 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 We would like to welcome Anne Coss Property Underwriter to the K E team Anne comes to K E with over 10 years experience in personal insurance Anne is a great addition to the property department Welcome Anne New Team Members We re excited to announce that Phillip Kraynick has joined the K E team as Vice President of Claims Phillip has over 20 years experience in all aspects of claims He started his career as a claims adjuster and was promoted throughout his career to various management positions Welcome Phillip West Elgin Mutual Jenn Blanchard has joined the team at WE Mutual as our new Claims Assistant Previously she worked as clerical support and transportation dispatch for a partnership of non profit community support services Jenn grew up in Dutton and lives in Rodney with her husband and two daughters Jenn is an active member of the West Lorne Optimist Club and enjoys helping with community events such as Santa Claus Parades and children s recreation programming Sheri Ford joined the WE Mutual Underwriting Department in early January as a Junior Underwriter She is a graduate of the University of Windsor and Canadore college and was born and raised in Dutton and currently lives in West Lorne with her husband and daughter Before coming to West Elgin Mutual Sheri was a Child Care Aid at a day care center and before that a kinesiologist at a physiotherapy clinic She says I have always loved helping people whether that be children or adults and I am constantly looking for ways to expand my knowledge and skills I look forward to learning about the insurance industry and all that it entails pg 15

Middlesex Mutual Curtis Datema joined our team mid January in the role of Intermediate Underwriter January is proving to be an exciting month in many ways for Curtis as he and his wife Emily welcomed a son Curtis has his CIP certification and is well versed in the Mutual Difference having worked in the mutual system His prior experience in underwriting claims adjusting and as an agent is already providing a valuable understanding of our policyholders evolving needs Congratulations and welcome to Middlesex Mutual We re happy to introduce Carolyn Beckett who will be working closely with our CEO as our new Executive Assistant Carolyn is a graduate of the Fanshawe College Business Administration Program and her background includes prior experience as an Office Manager Coordinator Carolyn is already proving herself a great addition to our team and the office Welcome Carolyn We re pleased to announce that Nina Carvalho has joined the Middlesex Mutual Management team as head of Operations Customer Service Nina brings an ideal combination of experience and specialized skill to our mutual with industry knowledge in personal lines underwriting and claims analysis along with extensive experience with small and medium scale operation initiatives Please join us in giving Nina a warm welcome Welcome to Brittany Sikesdi who joins our team as Accountant Brittany is a graduate of Western University and possesses her CPA designation She has over five years of experience in Accounting working at BDO Canada LLP Brittany lives locally and enjoys taking her two dogs for long walks in town We re thrilled to have her on board assisting our AVP Finance to provide timely relevant data to our Board of Directors pg 16

Ontario Mutual Automobile Plan OMAP Please join us in welcoming Gerry Wiens to the OMAP team in the role of Business Analyst effective January 4 2022 Gerry will be the primary point of contact between the OMAP team and each of the OMAP member mutuals system vendors He will be responsible for clearly communicating our business requirements streamlining our technology processes providing database support and engaging additional vendors to support future technology needs such as UBI Telematics Gerry has been part of the mutual community for over 10 years most recently as an Information Systems Manager at Dumfries Mutual and previously as a Business Analyst at MCCG now Cognition Gerry has a Bachelor s Degree in Computer Science from the University of Manitoba and brings over 20 years of experience in Software Development and Design and over 30 years of total experience as an Information Technology Professional Outside of work Gerry enjoys technology listening to music woodworking and spending time with his wife Shelley Please join us in welcoming Stephanie McDonald to the OMAP team in the role of Underwriting Manager effective January 4 2022 Stephanie will be the primary point of contact for any underwriting inquiries from the OMAP member mutuals She will be responsible for clearly communicating the intent and reasoning behind our underwriting changes updating underwriting policies and procedures researching and developing new products and engaging with member company underwriters to provide guidance and receive feedback on OMAP s rates rules and products Stephanie brings over 15 years of experience in the insurance industry Most recently Stephanie worked at The Co operators as an Auto Product Specialist and Auto Product Manager supporting the competitiveness and profitability of their auto product Previously Stephanie worked in a variety of underwriting product and administration roles at Economical Insurance She is a strong believer in continuing education and has her ACIP and CRM designations Stephanie was born in Cambridge and grew up on a farm five minutes outside of town where her parents still live She has two young children and enjoys spending time with her large family It is a great pleasure to announce that Suomi MacCarthy has accepted a contract role with OMAP as an Actuarial Analyst effective January 4 2022 Most recently Suomi worked as an Actuarial Analyst supporting the Analytics team at Farm Mutual Re Suomi is a recent graduate from the University of Waterloo with a Bachelor of Mathematics Actuarial Science Predictive Analytics In 2018 Suomi completed an internship term at Farm Mutual Re as an Actuarial Analyst in the Analytics Services department He has successfully completed two Actuarial Exams and is pursuing designations with the Casualty Actuarial Society and Canadian Institute of Actuaries In his spare time Suomi enjoys playing video games making music singing and guitar and staying physically active Congratulations Gerry Stephanie and Suomi on your new roles with OMAP pg 17

Halwell Mutual Halwell is excited to welcome our newest Junior Underwriter Andrea Fagan to the team Andrea began her career in the insurance industry with Heartland Farm Mutual nearly six years ago as a Claims Assistant She then transitioned to the billings department as a Finance Representative With her skillset and knowledge of the insurance industry we are so happy to keep her in the mutual family Help us welcome Andrea to the Halwell team We would also like to welcome our newest Underwriting Assistant Adam Johnston Adam grew up in Cambridge and recently graduated from the Business Administration program at Conestoga College Help us give Adam a warm mutual welcome Edge Mutual We re pleased to announce that Tyler Smith will be joining Edge Mutual in a full time capacity bringing with him 11 years of experience working as a Risk Assessment Specialist In addition Tyler has an educational background in Construction Engineering and five years of owing operating a home inspection company His expertise includes offering risk management solutions in large farm operations commercial and residential risks He is currently working towards his CFPS Certified Fire Protection Specialist designation When not at work you will find him spending time with his wife Keri and two children Please join us in welcoming Tyler to the Edge Mutual team 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 Caldwell Securities Ltd 150 King Street West Suite 1710 P O Box 47 Toronto ON M5H 1J9 1 800 387 0859 416 862 7755 bcaldwell caldwellsecurities com www caldwellsecurities com pg 18

West Wawanosh Mutual We would like to welcome Travis Shelton to our team Travis has been working in the insurance industry for over 11 years as a Broker He was a customer service representative for the first seven years and has been a producer for the last four years selling commercial and farm with a focus on personal insurance He completed a two year business insurance program at Fanshawe College Born and raised in Goderich he understands the value a mutual company brings with its personalized service and community based approach We would also like to welcome Catherine Howson to our company as a Farm Residential Underwriter Catherine has worked in the insurance industry for the past five years in personal lines farm and commercial Catherine lives in Blyth with her husband and three children Howick Mutual We re very pleased to announce that Alix Sholdice joined our team as a Farm Underwriter Alix has seven years of experience working in the insurance industry most recently as an Insurance Broker Her knowledge and understanding of farming along with her experience in property and auto insurance make her a great fit Outside of the office Alix is an active volunteer in her community and is currently the Brussels Homecoming Marketing Chair Welcome to the Mutual Family Alix Mutual Members If you have a career posting to share send it to marketing omia com and we ll post it to omia com and ontariomutuals ca pg 19

Maple Mutual We re very pleased to welcome Kim Robinson to the team Kim joined the claims department as a Claims Intake Administrator in October Kim previously spent over 10 years in customer service and is looking forward to assisting Maple Mutual policyholders Kim has three sons and is very proud of her five grandchildren Kim moved to Canada at a young age but is originally from Birmingham England Kim has resided in Chatham Kent for the past 35 years Please join us in welcoming Kim to the team Tami Eagen joined Maple Mutual in November as an Administrative Assistant Tami was born and raised in Chatham and she has over 15 years of experience in administration and customer service Tami and her husband have two children and she is a volunteer for Music for the Mind PAWR and she operates Lost Pets of Chatham Kent Please join us in welcoming Tami Eagen to Maple Mutual Insurance 519 641 3140 RivardInvestigations com jrivard RivardInvestigations com pg 20 We re also pleased to welcome Marc Alexander to the team Marc joined Maple Mutual as a Loss Control Specialist Marc graduated from The University of Waterloo with a Bachelor of Science in Biochemistry Originally from Toronto he has been in Chatham Kent since 2014 He and his wife have a daughter and are expecting their second child in 2022 Marc has over 15 years experience in construction as a self employed contractor for large and small renovations

Ontario Mutual Insurance Association OMIA has welcomed Kipkazi Kip Moi to our Insurance Services Department as an Insurance Resource Officer Kip has previous experience in claims with Dumfries Mutual and Security National as well as experience as a paralegal He has his CIP and is working towards his CRM Past education includes degrees from Edinburgh Business School and the University of Nairobi Welcome to OMIA and the population at 350 Pinebush Road Kip OMIA welcomed Kara Tobey to the Marketing Department as Marketing Communications Assistant Kara has her degree in English Communication Media Studies from Carleton University and she will work closely with the marketing team to produce a wide range of materials for member companies and for OMIA Kara will also take part in the facilitation of our tradeshow program Please join us in welcoming Kara to the OMIA team We have also welcomed Nicole Hackney to the OMIA team as a Training Resource Officer Nicole joins us after 11 years at Lambton Mutual where she was an all lines underwriter and trainer She has a BSc from Brock has taught for the Insurance Institute and has achieved her CRM and CIP She lives in Watford with her young family and will be assisting the Insurance Services team as they continue to build our virtual training capacity and find the best ways to keep up knowledge transfer to and among our mutual members Welcome Nicole Make sense of the path ahead The decisions your policy holders make now will define their future While you support them MNP is here to support you with accounting and investigative expertise plus the latest insights to navigate these uncertain times and strategies that get results Jas Chahal CPA CA 289 293 2371 jas chahal mnp ca MNP ca pg 21

Mutuals Give Back This is How We Support Our Communities Ayr Farmers Mutual Kent Essex Mutual During the Christmas season 2021 in partnership with It Takes a Village Ayr the Ayr Farmers team filled stockings for families in the area Our team filled 101 stockings to help 25 families for Christmas and had a lot of fun together shopping and stuffing It Takes a Village Ayr is an organization that helps families in need throughout the community with monthly food hampers and other supports Kent Essex Mutual recently donated 5 000 to four local non profit organizations to assist them with various programs We also donated 3 000 to the United Way of Chatham Kent s Because We Care campaign The campaign raised funds to assist those struggling with homelessness and mental health and addiction issues We happily donated 48 blankets and pillows to The Continued Care and Support for Youth program of Chatham Kent Children s Services pg 22

The Commonwell Mutual During nearly two years of COVID lock downs and restrictions community support and locally driven projects that foster learning education and engagement have become more important than ever before After seeing many of these important local causes financially suffer during COVID The Commonwell Mutual Insurance Group stepped in with a new program to fund such causes throughout Commonwell Country the smaller places and wideopen spaces of Eastern Central and Western Ontario that the Commonwell serves The new philanthropy initiative L E A F Learning and Engagement Accelerator Fund is being used to help upgrade update and even build new facilities or programming where communities come together to learn share play and gather The Commonwell named 21 community projects that will be funded by the initiative as a result of an online nomination and submission process completed at the end of 2021 The fund total is 1 000 000 We were overwhelmed with over 120 applications requesting over 5 Million for this inaugural year of L E A F Fund grants said Tim Shauf President and CEO We couldn t think of a more important way to give back to our communities than by supporting these important local causes that give residents food exercise education and entertainment 2021 community projects funded by L E A F The Alexandria Skate Park Avonmore Community Park Concrete Pad Bridging the Digital Divide in Rural Cramahe Township Colborne Refreshing the Technology Centre at the Whitestone Public Library Glen Walter Regional Park Tennis Court Resurfacing A Community Hub Young Adult Centre and Affordable Housing for Gravenhurst Troy Scott Community Fridge Expansion Innisfil Kars Community Rink Improvement Killaloe Pathways Park Build Back Better with Kingston Gets Active The South Lanark Community Garden Off Grid Greenhouse Solar Water Reservoir Project Orangeville Public Library Creation Lab makerspace The Sharing Place Meals 4 Change Community Kitchen Orillia PSPL Kids Portal Escape into Knowledge Parry Sound The Drop Community Hub Parry Sound The TRACKS Tipi Peterborough The Library A Place for YOUth Picton Launchpad 2 0 Port Elgin Richmond Legacy Pavilion A public bandstand that requires upgrades Richmond The Completion of the Tatlock Hall Field of Dreams Woodville pg 23

Meet Our People Celebrating Our Relentless Volunteers Doug Murphy has been a Sales Agent with Cayuga Mutual for over 35 years He grew up in Canfield and Caledonia and now resides in Cayuga with his wife of 31 years Cindy His son Brendan lives in Grimsby and works in childcare Doug is passionate about community involvement and has made an impact at the following organizations University of Guelph OAC 78 Intramural Coordinator and Class President Junior Farmers Association of Ontario Provincial President Haldimand Junior Farmers President Provincial Director Caledonia Agricultural Society President Director Various Committees Cayuga Curling Club President Bar Chair Canfield United Church Clerk of Session Choir Member M P Committee Haldimand 4 H Association Assistant Leader Various Committees Allan Hedley has been a Director at Cayuga Mutual for 36 years His family operates a 5th generation farm in Canfield Haldimand County He has been happily married to his wife Renee for 40 years and they share two sons a daughter and seven grandchildren Allan has been a very involved volunteer over his life time and has participated in the following organizations Junior Farmers Association of Ontario 4 H Ontario Leader Sunday School Teacher Local Church Board Member Community Hall Board Member Ontario Soil and Crop Improvement Association Minor Hockey Coach and Trainer 35 Year Volunteer Firefighter Caledonia Fair Caledonia Agricultural Society President What pushed you to be a volunteer Doug I wanted to get involved as I had lots of friends in these organizations It was a chance to meet new people in the community too Allan Growing up in a rural community getting involved had a two fold benefit It was a social opportunity for one and you were supporting and building community and lifelong relationships What skills did you bring to the organizations you volunteered with Doug I have experience in organizational leadership public speaking and parliamentary procedure Allan 4 H helped provide me with the fundamentals in leadership training Junior Farmers opened the doors to begin using those skills for self governance and leadership Church boards and firefighting enhanced the experience of working with others for the common good of all pg 24

What drew you the organizations you volunteered with Doug It was mostly to do with the good people involved Allan Common interests community betterment and the drive to continually enhance agricultural practice and longterm sustainability Also cooperation team building and activities that could be enjoyed with my whole family as the kids were growing up What do you consider the most challenging aspect of volunteering is and how did you overcome it Doug Finding the time but I made time and acquired time management skills Sometimes I can bite off more than I can chew but I ve learned to say no every once in awhile Allan I wouldn t consider volunteering a challenge It s an experience of self betterment youth education and community building It could be described as a life time of accomplishments and pride in helping others What has been your biggest accomplishment as a volunteer Doug Becoming President of the Junior Farmers Association of Ontario and President of the Caledonia Agricultural Society Allan Watching individuals in youth organizations grow into accomplished adults with life skills developed through our volunteer efforts What has been your toughest challenge when volunteering Doug Trying to get new people involved solving conflicts within organizations and making time for family Allan Involvement in a Capital Campaign The benefit for the community was the agenda but soliciting for donations was not something I was comfortable doing How has volunteering impacted your life Doug It has made me a better person I m respected by my peers and have friends for life Allan Awareness of the needs of others in our communities Fulfillment and enjoyment and a feeling of accomplishment and belonging What impact has your volunteering had on your community Doug I would like to think my involvement in these organizations has helped make my community a better place to live and learn Together with my co volunteers we have made Haldimand 4 H and the Caledonia Fair two of the best organizations in the province Allan A healthy and vibrant community for everyone s enjoyment What would you say to someone who is considering volunteering Doug Volunteering can change your life It can be too easy to say you have no time but no time is no excuse Today s volunteers need help and the next generation can be the ones to step up Allan Get involved The benefit to your community is immeasurable You and your neighbours will have a better place to live and raise your families you ll experience personal growth improved mental wellness selfesteem and character development Everyone wins pg 25

Mutuals In This Together Three of our mutuals Bay of Quinte Germania and Trillium along with CAMIC Mutual Boiler Re and the Mutual Fire Insurance Company of BC generously contributed to the Abbottsford Disaster Relief Fund as a mutual act of neighbour helping neighbour and in recognition of the devastation the flooding has caused to British Columbia farming The total amount given in January was over 500 000 Of special note Bay of Quinte MP Ryan Williams rose in the House of Parliament in February to recognize Bay of Quinte Mutual s 100 000 contribution and read a citation into Hansard with some of the details Brant Mutual The Commonwell Mutual It was the season of giving and Brant Mutual proudly partnered with Salvation Army of Brantford for their 2021 Toy Food drive Vice President John Powell challenged everyone to break his bank account by agreeing to match the donation total with a personal cheque Over 1 800 was raised for the Toy Drive as well as a approximately two hundred pounds of food for the food bank providing much needed help to those that need it in our community After a successful inaugural year The Commonwell is excited to announce that SEEDit will return in Spring 2022 SEEDit focuses on providing opportunities for individuals and organizations to contribute to local food security through a community garden grant program and by partnering with select garden centers across Ontario to provide 50 vouchers to individuals to grow food producing gardens at home Participants join a larger community of gardeners to share tips and learn more about local food production They are then encouraged to share or donate a portion of what they grow back with their community Grant applications opened in mid April and are open to community gardens run by charities not for profits municipalities and volunteer community groups with an established board Valued at 500 1000 these grants will kick start the growing season providing a much needed boost to these community run gardens The individual voucher program will launch May 9th Participants will be able to request a 50 voucher from a participating garden centre This year The Commonwell expects to partner with 25 garden centres and will see over 3 000 participants growing gardens at home to learn and share For more information about the program or to get involved visit our SEEDit Community Group on Facebook or thecommonwell ca seedit pg 26

Edge Mutual With continued strain on our health care system due to the pandemic Edge Mutual Insurance Company remains committed to supporting our local hospitals in Wellington County An additional 50 000 was donated to local hospitals 25 000 to Palmerston District Hospital and 25 000 to the Louise Marshall Hospital in Mount Forest following a sizable donation in 2020 L to R Past Chair Derek Moore Director Richard Wright Dale Franklin Palmerston District Hospital Foundation L to R Past Chair Derek Moore Bob Mason Louise Marshall Hospital Foundation Director Richard Wright and Chair Al Hiddema YOUR FORENSIC ENGINEERING ALLIES Unearth Expert Insights Whether you re handling a kitchen re or a loss at a multimillion dollar agricultural facility you can rest assured that you have our skilled and experienced investigative team at your service CEP Forensic s team of engineers and investigators particularly prides itself on the cultivation of client relationships and unparalleled investigative expertise Clear Effective Partners cep experts ca pg 27

HT C Mutual In December 2021 the two HT C Mutual office locations joined forces and collected toys and food bank donations which were delivered to the Ailsa Craig Area Foodbank Thrift Store Over 350lbs of food was donated along with a wide variety of toys for local families Also in lieu of a formal Christmas party HT C Mutual made 1 000 donations to each of these local organizations Huron County Christmas Bureau The Salvation Army Strathroy Community Family Services Thrift Store Women s Rural Resource Centre Maple Mutual Maple Mutual has donated 2 500 to United Way of Chatham Kent and 2 500 to Dresden Sidestreets We were also proud to sponsor the Wallaceburg District Chamber of Commerce 2021 Business Community Excellence Awards Technology Award The 2021 winner was the Wallaceburg Wellness Centre L to R Jackie Beatty United Way Paul Badder Chair of Maple Mutual Henry Miller President CEO of Maple Mutual and Courtney Wells and Veronica Whittal of Untied Way L to R Lori Ouellette of Dresden Sidestreets President CEO Henry Miller and Vice President of Sales Marketing Dean Muharrem Lambton Mutual Fire Chief of Warwick Fire Department Brad Goodhill and Tim Williams from Lambton County Fire Prevention Association received a 10 000 donation from Lambton Mutual Chair Claire Moffatt on behalf of Lambton Mutual The donation went towards a new live fire simulator teaching tool and smoke CO detectors for the Christmas for Everyone hampers around the County pg 28 Dean Muharrem presents the award to Cathy Cogghe of Wallaceburg Wellness Centre

Ayr Farmers Mutual The Ayr Farmers Mutual Insurance Company Scholarship Committee encouraged our Scholarship Applicants to make a difference in their community We were amazed by what each of them accomplished Here are three outstanding young people who received 3 000 scholarships in December Sophia Diebold Melodie Shantz Rachel Lund Sophia Diebold is a third year student at the University of Waterloo For Sophia s application she told us about the pen pal program she created to help improve seniors mental health in her community Sending letters back and forth has helped make seniors feel less isolated during the pandemic Melodie Shantz is an active community member and frequent volunteer who began to look inward and understand the critical role she could play as a voice to advocate for others Melodie used her social media platform to be an ally help shed light on many worthy causes and walk the talk at peaceful protests Melodie is in her final year of a six year program and in just a few months will be a teacher She hopes to educate and inspire her students to also care and advocate for marginalized isolated oppressed and alienated communities Rachel Lund created Over the Billow a social media support group to help those without someone to talk to feel they are not alone What s a billow It is a large undulating mass of something Over the Billow helps people overcome the billow of anxiety in their lives Do you or someone you know suffer from anxiety Connect with overthebillow to join the conversation It is so exciting to see these you people make such a positive impact in our communities To be able to help them financially on their education journey is an honour Your Outsourced Investment Governance Expert Inquire about our proven expertise in Governance documents Portfolio assessments Money Manager assessments Complete Quarterly Monitoring Services Build your Brand with Promotional Products Corporate Apparel Contact Jeffrey Hand at 905 336 1879 or info bonnycastle ca Contact us today for all of your promotional marketing needs 519 623 5101 or aaron arrowmarketing ca pg 29

West Elgin Mutual We re pleased to report that our 2021 Shining the Light program went extremely well Staff and directors once again donated money which was matched by the company so we could help kids in our region The total raised was over 4 000 With this amount of money we were able to help Inn Out of the Cold St Thomas Child and Youth Services a toy drive in Aylmer seniors at Bobier Villa Elgin Manor and Terrace Lodge as well as the food banks in Dutton and Rodney Hospice of Elgin is 100 000 closer to their fundraising goal thanks to a donation from WE Mutual Insurance Dr Bob Jones Dan Reith and Carrie Ford representing Hospice of Elgin met with WE Mutual Directors to receive the donation in December 2021 The Hospice will be built on a site at 2 South Edgeware Road in St Thomas right beside Waterworks Park and will provide 24 7 expert palliative care in a home like environment It is planned for the doors to open in 2023 Our Growing for our Community Garden program is off to a great start in 2022 with a 2 500 grant from Canada s Farmers Grow Communities part of the Bayer Fund This grant means the volunteers can work on plans to expand and refine the garden with the aim of helping more people in the community pg 30

Trillium Mutual ROOTS Community Support A donation of 5 000 has gone to Trees for Woolwich which aims to increase the tree cover in the Township of Woolwich to enhance the agricultural nature of the township They are constantly working to educate residents about the benefits both to our environment and to human activities of planting and maintaining trees A donation of 2 000 has been provided to the Pine River Watershed Initiative Network s Seedling Program The program allows 4 H Ontario youth to plant seedlings while learning about different restoration projects and helping to preserve the natural resources of the ecosystem We recently donated 2 500 to the Active Lifestyles Centre in Grey Bruce The Active Lifestyles Centre continues to serve the 55 age group in Grey Bruce by providing exciting and affordable programs that promote healthy and active aging A donation of 6 000 has been provided to Marillac Place to support the creation of welcome baskets and departure bins with necessary supplies for the families they support Marillac Place provides a home for single young mothers who are at risk for homelessness and create a culture of empowerment security safety and stability for their participants The Peninsula Bruce Trail Club maintains conserves and promotes the section of the Bruce trail between Wiarton and Tobermory entirely maintained by volunteers Our Fund has donated 7 500 towards the construction of a new staircase to improve the trail s safety and sustainability The 50 foot staircase will replace a section of the trail that is currently serviced by a hand cable only The Pike Bay Community Centre which is over 150 years old is a staple of the local community by providing a safe space for events and workshops The ROOTS Community Fund is proud to announce a donation of 10 000 to renovate the space so that families and community groups can continue to utilize the space to engage and connect We would like to thank Jackie Fraser for an incredible four years of service with the ROOTS Council Thank you for all you have done for the ROOTS Community Fund and your dedication to communities across Ontario Please join us in welcoming Derek Mendez as our newest ROOTS Council Member He is currently the VP at Molesworth Farm Supply has a wealth of agricultural experience as a Director at Agricorp and Animal Nutrition Association of Canada Precious Minds supports children youth and adults with developmental challenges to meet their highest potential by offering programs designed to engage inspire and develop skills for life Our Fund is proud to provide a donation of 4 500 towards the purchase of accessible trikes and helmets It s often challenging for families to find specialized programs they can easily access when they live in a rural setting Precious Minds programs provide a safe environment where all participants are understood and programming is adapted to individual needs Learn more about our ROOTS fund here trilliummutual com roots community fund pg 31

Ontario Mutuals Proud Sponsor The 2022 Ontario Agricultural Conference formerly the Southwest Agriculture Conference organizing committee would like to thank all Registrants Sponsors Speakers and Moderators for making OAgC 2022 a huge success There were over 1 357 participants registered when we went live on January 5th and we had a truly global audience We had a high of over 1 300 participants tuned in and averaged nearly 800 viewers throughout the two days Based on all the positive feedback we received from participants the virtual format experience again hit the mark The conference was a big team effort with many challenges but the team adapted and ensured we delivered the best virtual experience possible Our Sponsors have been a critical partner in the OAgC22 success and frankly without them the conference would not have been possible or the experience would most certainly not have been the same We don t know what the future will bring but we will continue to strive to provide you with world class speakers timely topics generous sponsors and the best user experience possible Planning is already well underway for January 4th and 5th 2023 We hope to see you there On Behalf of the OAgC22 Steering Committee we thank you for your support THE CHOICE IS CLEAR pg 32

Co operative Young Leaders is Open for Registrations Do you know any campers who would benefit Through the collaborative efforts of participants facilitators sponsors and the Ontario Co operative Association the Co operative Young Leaders program is dedicated to providing a creative and exciting learning environment that supports and encourages open aware sensitive active and co operative young leaders Program participants will enhance their communities by bringing leadership and co operative principles to their daily lives Week long camps are held for youth ages 13 18 at the Gay Lea Foods Co operative Education Centre in Aylmer Ontario One part traditional camp experience and one part experiential education plus a lifetime of memories made You may wish to sponsor your staff s children to attend the camp or just spread the word Registrations are open until May 31st Visit ontario coop co operative young leaders for more information or contact Carol Fleming directly cfleming ontario coop DIGITIZE YOUR GROWTH Connect to your customers in a whole new way Integrate every part of your P C business and deliver the best customer experience with one Enterprise Insurance Platform Cognition Let s talk about how we can help accelerate your digital growth BOOK A DEMO www gocognition com omia bookdemo pg 33

Trillium Mutual Volunteer Days Judy recently spent her volunteer day helping the Salvation Army gather food and toys from local businesses Angel and Tracy recently spent their volunteer days helping the The Salvation Army Listowel Citadel organize all of the food and toy donations they have received for the holiday season Steven spent his volunteer day by helping clean up the Guelph to Goderich G2G Rail Trail We re very proud to announce a donation of 8 500 to Farm Food Care Ontario to support their delivery of their Livestock Emergency Training This training will address the unique challenges of transport accidents for first responders such as trailer design and animal behaviour The course will provide first responders the opportunity to develop the knowledge they need to quickly and safely assist in livestock emergency situations If you are interested in running one of these sessions for your local fire department please contact Bruce Kelly at bruce farmfoodcare org West Wawanosh Mutual We re pleased to support The Goderich Rotary Club with a donation for the construction of a pavilion at the new Goderich Columbus Park Pickleball Courts The Goderich Pickleball community is a very active group and looks forward to enjoying this fast growing sport at the new state of the art facility WWMIC looks forward to seeing the pavilion come to life providing space for pickleball players and spectators alike An inaugural tournament and grand opening event is planned for early summer and we re hopeful that circumstances will better allow for public gatherings Pictured Chair of the board of West Wawanosh Mutual Lloyd McGillvray presents a cheque to the project coordinators Earl Pennington and Bruce Thomasson pg 34

Middlesex Mutual Middlesex Mutual s Community Spirit Pledge contributed a total of 32 500 to support local charitable programs in 2021 Daya Counselling Centre will use the funding of 6 500 to support their subsidized counselling program The Centre offers much needed short term therapeutic counselling to individuals couples and families living in London Middlesex They embrace diversity and create a safe space for all Indwell allocated the 6 500 donation to their campaign to Furnish an Apartment at Embassy Commons in London Indwell creates affordable housing communities that support people seeking health wellness and belonging and MMIC is pleased to offer tangible hope for a new beginning Unity Project will invest the 6 500 towards their Housing Stability Program which provides in home housing support services for adults and youth who have a history of homelessness Supports include medical legal mental health and life skills The Salvation Army Stratford St Mary s Regional Community Ministries Food Bank is pleased to be able to use the 6 500 donation to purchase a walk in freezer and other much needed equipment This will have a positive impact on community members facing difficult times The Ailsa Craig Area Food Bank received the donation of 6 500 on behalf of Philip s Garden a key supporter of the food bank Philip exemplifies what it means to be a caring contributing member of the community and we re proud to support his efforts in purchasing food for monthly hampers In honour of the years of service our retired Board Members contributed to the continued success of Middlesex Mutual donations were made to a charity of their choice The Diabetes Association received 400 on behalf of Ruth Talbot Jessica s House received 200 on behalf of David Dixon and St Marys Health Care Foundation received 100 on behalf of Karna Brennan We are thankful for their dedication expertise and guidance as Directors on our Board pg 35

Rural Ontario Institute Announces AALP Class 19 Ontario Mutuals is a proud sponsor of the Rural Ontario Institute and their Advanced Agricultural Leadership Program AALP After a tricky couple of years with transitions to online classes and cancelled events AALP Class 18 was finally able to take part in their in person tours and fundraising events They have been fortunate to experience agricultural diversity and are grateful to the many organizations businesses and research facilities that are making special arrangements to accommodate them during this time and their extended year Announced in November 2021 here are the 19 current and emerging leaders from across the province selected for AALP Class 19 Good luck to you all on your AALP journey 1 Matthew Aarts Perth Tavistock Agricultural Specialist Libro Credit Union 2 Raphael Adegboye Peel Brampton Senior Manager National Agricultural Credit Unit Scotiabank 3 Tracey Arts Oxford Thamesford Dairy Producer Vet Technician Ontario Federation of Agriculture Director Zone 4 Oxford and Elgin 4 Allison Brown Durham Kawartha Lakes Agricultural Economic Development Specialist Durham Region 5 Michael Buttenham Wellington Rockwood Environmental and Sustainability Lead Grain Farmers of Ontario 6 Evan Chaffe Perth Mitchell Policy Advisor Beef Farmers of Ontario 7 Anneke Donkers Stickney Wellington Elora Layer and Broiler Producer Owner Stickney Poultry 8 Don Gordon Durham Region Cannington Dairy Producer Gordhill Farms Ltd Dairy Farmers of Ontario Region 5 Director 9 Jeff Harrison Quinte West Grain Farmer Vice Chair Grain Farmers of Ontario 10 Hayley Mackay Oxford Woodstock Livestock Transporter Luckhart Transport Ltd Dairy farmer Wilmarlea Farms 11 Vicky Morrison Essex South Woodslee Dairy Producer Bally Bright Farms Dairy Farmers of Ontario Region 9 Director 12 Olivia Noorenberghe Chatham Kent Thamesville Master of Science Candidate in Plant Agriculture Grain Farmer 13 Ann Samuels Durham Port Perry Co owner Wealth s Riches Incorporated 14 Owen Smelski Perth Shakespeare Exhibitor Manager Canada s Outdoor Farm Show division of Glacier FarmMedia 15 Christopher Sopuch Simcoe Bradford Vegetable Producer Marshland Gardens Ltd 16 David Stanfield Haldimand Hagersville Manager of Farm Operations The Clark Companies 17 Mari Veliz Oxford Lakeside Healthy Watersheds Manager Ausable Bayfield Conservation Authority Dairy farmer 18 Kevin Weaver Middlesex Belmont Dairy Goat Industry Advisor Gay Lea Foods 19 Qamar Zaman Mississauga Tax Consultant Chief Executive Officer EXTAX CA INC McKillop Mutual McKillop Mutual is proud to offer support to Elma Public School in Atwood Ontario as they raise funds to build a new playground pg 36

The Umbrella Project Awards Are Back We re happy to once again support these awards that celebrate students educators and school communities who are taking on life s challenges and strengthening their positive coping skills The Awards will be presented online May 4th and the recipients will be in our August OM News pg 37

Ayr Farmers Mutual Vanessa McKinnon has accepted the position of Business Analyst Vanessa joined the Ayr Farmers Mutual team in 2018 as a Commercial Property Underwriter She has contributed to the company in many ways over the past three and a half years including assisting with the review of the commercial book of business enhancements and testing for Guidewire builds and providing support to her teammates Vanessa has a positive and caring nature and is always willing to help others While she will be missed by her colleagues in underwriting we are excited for Vanessa to grow her skills as a Business Analyst Erie Mutual Appointments Positions Changes Transforming the Mutuals Rebecca Flatt has moved into an Account Executive position at Erie She continues to be a valuable team member having joined Erie Mutual as a co op student in 2018 and developing her skills and knowledge in previous positions of Customer Experience Assistant Account Representative and most recently Associate AE Rebecca will continue providing service to Erie members in her new role and writing new business in personal lines McKillop Mutual Kate Boyle has been promoted to the role of Claims Manager Kate joined McKillop Mutual in 2018 as Senior Claims Adjuster where she has excelled with the combination of her technical knowledge and her outstanding customer service Kate will make a strong addition the management team pg 38 Danielle Dale has been appointed to the role of Underwriting Specialist Danielle joined McKillop in 2019 with diverse underwriting experience Danielle will focus on development of products and rates training auditing and research and development Danielle s background skillset and knowledge make a perfect fit for the role

Cognition Brodie McLellan has been appointed Vice President of Business Development In this role Brodie will be responsible for growth initiatives both in Canada and the US market Brodie brings over 20 years of technology and SaaS business development experience within regulated industries across North America the Middle East and Australia Before joining Cognition he worked with transport and logistics clients worldwide on digital transformation IoT and cleantech adoption Brodie holds an MBA from IPADE Business School an International Business degree from the University of Lethbridge and a CMA designation with the Institute of Management Accountants Brodie is an outstanding addition to our leadership team and a reflection of our commitment to our growth strategy His extensive experience in market expansion and identifying opportunities will be a great benefit to our growth plan said Cognition President and CEO Matthew Scott Brodie is excited to join Cognition at this pivotal moment as more and more clients are migrating from on premise legacy systems to the Cognition Platform Greg Martin has been promoted to the role of Chief Technology Officer Martin manages Cognition s software development team software development lifecycle technical direction and post production technical support He brings over 20 years of experience and has held progressively senior level technical management positions throughout his career Martin joined Cognition in 2012 as a Software Development Manager and was promoted to Vice President of Software Development in 2017 During his time at Cognition Martin has played a pivotal role in scaling the development team to give clients a competitive advantage in the insurance marketplace Greg has made significant contributions to the company including providing leadership and strategic direction on our platform development and software architecture Greg is a team player highly respected within our community and will continue to play an integral and strategic role in setting the company s product direction and executing our plans accordingly said Matthew Scott Cognition President and CEO I m looking forward to being part of the next steps in the evolution of Cognition as we pivot toward a plan for growth said Greg Martin United General Please join United General Insurance Corporation United General and Farm Mutual Re in welcoming Jennifer Morrison to the role of United General Chief Executive Officer Jennifer will be responsible for setting and implementing the strategic direction for United General She will be focused on building and implementing the business strategy that anticipates and responds to market opportunities and supports the sustainability and independence of the mutual community Jennifer has been part of the mutual insurance property and casualty industry for the majority of her 25 year career most recently as the Director of Projects at Nova Mutual She brings a background in underwriting IT project leadership and innovation She is a graduate of the Business Insurance program at Fanshawe College and a Chartered Insurance Professional I am extremely happy to join the United General team said Jennifer The strength of its mutual partnerships makes the company poised for innovation and growth in the Maritimes and I look forward to building on United General s past 25 years of success pg 39

Appointments Position Changes Farm Mutual Re Boris Rajic was promoted to the role of Claims Member Relations Liaison in March Boris has earned this promotion as an extension of the responsibilities he has been performing within the Claims Department over the last two plus years In this role Boris is responsible for a range of duties relevant to member company relations including the coordination and leading of annual visits and unreported claim file reviews and monitoring of reporting compliance for the direct distribution channel He will be responsible for supporting management in the implementation of programs initiatives and solutions developed for the membership He will also be responsible for identifying and delivering key messaging and training on behalf of the Claims Department Boris genuinely cares about building deep rooted relationships and this role will elevate his profile with the membership Boris has earned this promotion based on his authentic and positive attitude eagerness to embrace new opportunities and his commitment to ongoing personal and professional development Boris is actively pursuing his CIP designation Boris started his career with Farm Mutual Re in January 2018 on a contract basis as a Claims Coordinator and was hired full time in January 2019 Sahith Tummala accepted the role of Innovation Associate in November 2021 Focusing on individual growth and development in Innovation Sahith is responsible for assisting Innovation leadership in innovation execution This includes the prioritization of projects exploring researching ideating prototyping and ultimately creating Minimum Viable Products MVPs or Proof of Concepts POCs that have opportunity for scale Additionally Sahith helps support the organization s participation in the external innovation ecosystem Sahith started his career with Farm Mutual Re in January 2019 as a coop student in the Claims department In August 2019 he was hired fulltime in the Analytic Services Department in the role of Business Analyst While working in his role as Business Analyst Sahith also provided key contributions to Farm Mutual Re s Innovation strategy and growth taking on extra responsibilities with passion and enthusiasm pg 40 Keli Jennings moved from the HR department into the role of Governance and Legal Affairs Specialist role in November 2021 Reporting to Patrice Rouse General Counsel Corporate Secretary Keli is accountable for ensuring the effective and efficient running of all board and board committee meetings managing the related workplans and materials Keli provides support in material preparation and will also draft board resolutions mandates charters minutes and other corporate documents She researches drafts and reviews contracts policies procedures and guidelines related to governance and legal affairs Keli has her Paralegal License and completed a paralegal internship prior to working in Farm Mutual Re s Claims department in 2016 Keli has provided administrative support to different departments at Farm Mutual Re and for the past three years worked as the HR Administrative Assistant conducting recruitment onboarding and data management while pursing her HR designation Keli has also supported Collectivfide and its board of directors since its inception in June 2019

Steve Korsh was promoted to the role of Human Resources Generalist in December 2021 This position is an extension of the responsibilities Steve has performed over the last couple of years Steve will continue to lead and implement HR projects and programs such as employee experience initiatives within the organization Steve will also be responsible for leading recruitment initiatives managing our onboarding program and will continue to expand his knowledge and support of employees and leaders in employee relations matters Steve started his career with Farm Mutual Re in January 2016 as a co op student and was hired full time in April 2017 in the position of HR Associate after graduating from the Human Resources Management program at Conestoga College Steve was promoted to the position of HR Coordinator in January 2019 Jackson Smith accepted a fulltime position as a Product Services Coordinator within the Product Services Department in October 2021 Jackson started at Farm Mutual Re in 2017 as a Claims summer student and returned for several summers working closely with Chris Serran supporting the Medical Rehabilitation analysis Most recently Jackson has been a part of the Product Services team as Product Services Administrator Jackson has a Bachelor of Kinesiology degree from Wilfrid Laurier University In his new role as Product Services Coordinator Jackson is responsible for supporting the department in the implementation of programs initiatives and solutions developed for the membership and internal stakeholders Wendy Dugal was promoted to the role of IT Project Team Lead in January In her new role Wendy will provide leadership and guidance for the IT Project Team This promotion recognizes Wendy s commitment to Farm Mutual Re and its values as well as her growth and development and her experience as a Project Lead Wendy joined Farm Mutual Re in January 2008 on a temporary basis as the Information Systems Administrative Assistant and quickly was hired on a permanent basis a few months later Janani Antony was promoted to the role of IT Project Coordinator in January Janani started at Farm Mutual Re in November 2017 through their co op and intern program as Project Management Intern In recognition of her hard work positive attitude and multiple contributions to the IT department Janani was extended a full time position as Project Management Associate in June of 2018 This promotion is in recognition of Janani continuing to show her commitment to Farm Mutual Re values as she interacts with project collaborators and IT team members pg 41

Halwell Mutual Join us in congratulating Tina Thomson in her new role as a Strategic Initiatives Manager Tina started at Halwell in March 2021 as a contract Project Manager and she will continue to be a driving force on many of our strategic initiatives this year We are so grateful to bring her on to a permanent position Ginette Hardy has been promoted to Junior Adjuster She started as a Claims Assistant in May 2021 and she has really proven herself as a friendly and customer serviceoriented team member Please join us in congratulating Ginette and wishing her all the best in this role Kuusta Laird has been promoted to Human Resource Leader Her industry experience and five years keeping Halwell a safe and awesome place to work makes her a perfect fit for this new position Please join us in congratulating Kuusta and wishing her all the best in her new role Adrienne Leung is joining the team full time from contract as a Junior Accountant With her previous role in the Underwriting department Adrienne is now an integral part of the Accounting Team Help us congratulate Adrienne as she moves to a permanent position Jeff Muysson has been promoted to Senior Loss Prevention Representative As a crucial member of the Halwell team for the past seven years we re thrilled to announce that Jeff Muysson has been promoted to Senior Loss Prevention Rep Please join us in congratulating Jeff and wishing him the best in his new role Sherry McIntyre has been promoted to Senior Business Analyst Sherry is celebrating not one but two promotions She was promoted to Senior Commercial Underwriter in January 2022 then to Senior Business Analyst which is her new current role With her experience and skill set Sherry continues to be a vital member of the Halwell team Please join us in congratulating Sherry and wishing her all the best in her new role Ontario Mutual Insurance Association We re pleased to announce the promotion of Christine Senior to Insurance Services Supervisor Under Sue Baker s leadership the Insurance Services department has grown and taken on new challenges while continuing to provide the core elements that our members rely on for education product development and insurance support On the education side over the last couple of years new initiatives include but are not limited to establishing and building our On Demand Learning platform and content moving to fully virtual education delivery revitalization of our certification programs daily weekly and now bi weekly members issues call and pandemic management support In 2022 we are looking at upgrading our learning management software continuing to build out our education offerings and delivery methods increasing our capacity to develop and deliver education and ultimately creating a strategy to ensure the best possible learning environment for everyone in the mutuals Creating the supervisor position and promoting Christine is the first step It s a great day when we can promote an experienced loyal and mutual colleague Congratulations Christine pg 42

Kent Essex Mutual We are pleased to announce that Sandra Brown has been promoted to the role of Senior Auto Underwriter Sandra joined the K E team in 2002 as an Auto Underwriter She has a wealth of underwriting knowledge and provides exceptional customer service Monica Hurst CIP has been promoted to the role of Team Lead of Property Underwriting Monica joined K E in 2017 as a property underwriter and is a valued member of the K E team She has also obtained her Chartered Insurance Professional designation Lindsay Decan CIP has been promoted to the role of Team Lead of Auto Underwriting Lindsay has been in the insurance industry for 14 years and with K E since 2015 as an Auto Underwriter She is a valued member of our team Tavis Hewitt was recently promoted to Senior Commercial Underwriter Tavis has been with Kent Essex Mutual for 5 years and is a valued team player Emily Goncalo has been promoted to Junior Auto Underwriter and has been with Kent Essex Mutual for 3 years starting her insurance career at K E as an Underwriting Assistant Emily is looking forward to continuing to expand her insurance knowledge West Wawanosh Mutual We would like to announce the promotion of Kelly Connelly to Underwriting Manager Kelly joined West Wawanosh Mutual in 2019 as a Commercial Underwriter bringing with her 30 years of experience in the insurance industry West Wawanosh Mutual would like to congratulate Kelly on her new role Mutual Members Order customized brochures information sheets signage and advertisements This service is part of your OMIA Membership You only pay the cost of applicable printing and shipping Write to marketing omia com pg 43

Accomplishm Congratulating Mutual Their Professional D HT C Mutual Erie Mutual In November 2021 Bill Gibson received his NAMIC Certified Director Certificate Congratulations Bill on this achievement and thank you for your continuous dedication to the Mutual Insurance industry pg 44 Team Erie is happy to share the wonderful news that Rebecca Flatt s virtual CIP graduation took place at the end of February 2022 Rebecca has worked very hard to not only transition through various positions in a short period of time within Erie Mutual but to maintain her studies and complete her CIP designation in 2021 Congratulations on the graduation Rebecca

ments Members on Development Halwell Mutual Please join us in congratulating Halwell s very own Janice Passarelli for winning a 5 star Underwriter Award from Insurance Business Canada Janice was nominated by our Broker Partners for her amazing underwriting service and relationship building Her hard work dedication and positive attitude have a tremendous impact on Halwell our brokers and our policyholders Way to go Janice We are so proud of you Bay of Quinte Mutual The Bay of Quinte Mutual Board of Directors would like to congratulate President Jeffery Howell on being selected to receive a NAMIC Service Award at its 2021 Annual Convention The award recognizes noteworthy and commendable accomplishments and participation within the National Association of Mutual Insurance Companies membership Lambton Mutual West Elgin Mutual Congratulations to Underwriter Jessica Knight for graduating with both a Chartered Insurance Professional CIP designation and a Risk Management Certificate from the Insurance Institute of Ontario Congratulations to our newest CIP graduate John McWilliam John has been an agent with West Elgin since 2009 We understand the hours and devotion required to earn this designation and congratulate John on his achievement pg 45

West Wawanosh Mutual We are pleased to announce that Alison Gilkes has received her CIP designation Alison joined WWMIC three years ago as a residential underwriter and through her hard work and dedication has proven to be a valuable member of our underwriting team Congratulations Alison Edge Mutual Germania Mutual We are pleased to announce that Lynn Jollymore has successfully completed her CIP designation Congratulations Lynn Interested in Attaining Your Insurance Designations Congratulations to Josh Munroe Property Adjuster who has received his CIP as of April 2022 Find out more from the Insurance Institute of Ontario Website insuranceinstitute ca en institutes and chapters Ontario 519 641 3140 RivardInvestigations com jrivard RivardInvestigations com pg 46

Kent Essex Mutual Kimberley Schmidt Executive Assistant recently obtained her General Insurance Essentials certificate Kim joined K E in 2018 and continues to expand her knowledge about the insurance industry Congratulations Kim Vasco Pereira CIP Property Claims Adjuster obtained his Chartered Insurance Professional designation Vasco has been with K E for six years and provides our policyholders with excellent customer service Howick Mutual Beat the Blahs Workplace wellness challenges are the perfect way to increase staff engagement Challenges help cultivate healthy competition among employees while encouraging and reinforcing positive lifestyle behaviors which is all part of a holistic approach to professional development Howick Mutual staff put amazing effort towards participating in daily fitness breaks lunch and learn webinars and keeping an eye on the daily scoreboard in the 9toThrive Beat the Blahs challenge in the months of November and December 2021 With their company win a 500 donation was awarded to the North Huron Community Food Share on behalf of Howick Mutual The Food Share is funded by generous donations from businesses and individuals the outreach of Feed Ontario programs and the Huron County Food Bank Distribution Centre Way to go Howick Team Local Structural Forensic Engineers Here to Help When a residential commercial or farm building is damaged our local structural forensics experts are close at hand to determine the cause of the loss provide swift accurate assessments and offer practical repair solutions Mohtady Sherif Ph D P Eng London ON msherif origin and cause com 905 302 3351 pg 47

Milestones Recognizing Significant Anniversaries Germania Mutual West Elgin Mutual Congratulations to our VP of Operations Tracy Campbell CIP CRM who celebrated 20 years at Germania Mutual in January Thank you Tracy for your commitment and dedication to the Germania Mutual family We would like to celebrate the 35th anniversary of Colleen McCready Colleen is a Property Underwriter who has held many roles within the company Congratulations Colleen and many thanks on your hard work West Wawanosh Mutual Michele Inglis Receptionist Accounting Admin Assistant celebrates 30 years with West Wawanosh Mutual Insurance Michele s dedication and continued support of our company is greatly appreciated Joanne Johnston Claims Manager has been with West Wawanosh Mutual for 25 years Joanne is a valuable member of our management team and we thank her for her service HT C Mutual HT C Mutual is celebrating the following recent milestones We and our heritage companies are so fortunate to have such dedicated team members It s an incredible illustration of the relationship of strength loyalty and commitment between our people and the organization Phil Erb Agent 25 Years pg 48 Brian Brooks Agent 25 Years Tammy Donahue Agent 20 years Donna McPhail Agent 20 years Randy Hulter Claims 10 years

Education Map Your Path to Success at OMIA 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 Please know that we are closely monitoring the COVID 19 situation as new information becomes available If changes to education sessions are necessary information will be updated on omia com as soon as possible COURSE DATE NAME COURSE DATE NAME April 20 Auto AB Claims Handling Workshop May 26 Claims Managers Adjusters Roundtable April 20 21 Introduction to the Role of the Director May 27 Ontario Mutual Loss Prevention League April 21 Underwriting Managers Virtual Gathering Mat 31 HSB Agents Cyber Suite April 21 Legislative Affairs Roundtable June 3 Agents Home Cyber April 26 Customer Experience Renewals June 7 Sales Planning April 27 Builders Risk 101 June 14 Marine Boatowner April 29 Ontario Mutual Loss Prevention League June 14 Sales Customer Experience April 29 Anti Racism Equity Training for Employees June 13 20 Coaching for Success Management May 2 9 16 Engaging in Thriving Conflict Conversations June 15 16 Residential Property Coverage Review May 3 Board Chairs Vice Chairs Roundtable June 16 Underwriting Managers Virtual Gathering May 4 5 Personal Lines Automobile Program May 5 HR Roundtable June 21 Automobile Underwriters Roundtable June 22 Auto AB Claims Handling Workshop May 10 Sales Management May 12 Commercial Farm Underwriting Roundtable May 17 Creating Optimizing Linkedin Profiles May 19 Underwriting Managers Virtual Gathering May 25 Regulatory Compliance June 23 Business Continuity Disaster Recovery Planning June 24 Ontario Mutual Loss Prevention League June 28 29 Residential Liability Coverage July 11 Anti Racism Equity Training for Employees Visit www omiaelearning com for virtual on demand education sessions Visit www omia com Education Certification Programs for details on OMIA certification pg 49

Retirements Celebrating Those Who Helped Us Thrive Edge Mutual Farm Mutual Re Nancy Fortune will be retiring from the role of Executive Assistant after 7 years at Edge Mutual In addition to providing ongoing support to our President CEO Nancy was a fantastic coordinator of broker events with her keen eye for decorating and attention to the small details Nancy often went out of her way to pick up just the right thing whether it was a gift donation or beautification item for an upcoming event Her amazing sewing skills also came in very handy on more than one occasion Nancy worked hard to anticipate the needs of the board management team and the entire staff and she will be missed very much Please join Farm Mutual Re in congratulating Marina McLean on her retirement Marina s last day with Farm Mutual Re was December 31 2021 Marina began her Farm Mutual Re journey in the claims department in 2011 as Claims Support She was promoted to the Operations Liaison role in 2013 Marina s title was changed to Operations Project Coordinator in 2019 as she developed our project management framework and the associated tools She had a strong hand in keeping projects and the related reporting on track and for that Farm Mutual Re is truly grateful We wish you all the very best in your move to Deep River to be close to family and we wish you many happy years of retirement with your husband Rick Fred Harding will be retiring from the role of Risk Inspector after 18 years at Edge Mutual When Fred joined the company he blended his extensive knowledge as a former building contractor along with his agrarian roots and delivered a very personable easy going and pragmatic interaction with policyholders he visited Fred is well known for his love of golf classic cars and his willingness to help out with whatever was needed to be built or assembled at Edge His joking wit and thoughtful gestures he s quite the baker will be fondly remembered pg 50 Congratulations to Angela Boost Product Services Supervisor who has retired after 40 years with Farm Mutual Re Her last day with Farm Mutual Re was November 26 2021 When she started at then FMRP there were typewriters telephones adding machines photocopiers couriers and Canada Post for communication Her contributions have been many over the years but she will probably be most remembered for her positive nature sense of fun and infectious laugh Please join all of us at Farm Mutual Re in wishing Angela the very best in her retirement

United General Please join United General and Farm Mutual Re in congratulating Janice Rickard United General CEO General Manager on her retirement in April 2022 Janice has spent her whole career in Fredericton starting at Canavan s Insurance Appraisal In 2002 Janice moved to United General starting out as Senior Underwriter and Supervisor then assisting the GM and progressing to Assistant Manager In 2011 Janice was promoted to CEO General Manager directing the overall operations of the company Janice is most proud of the consistent stable policy growth under her leadership from a 5 5 million company to over 11 million by the end of 2021 Janice dedicated the last 19 years to United General and the people she worked with every day creating deep relationships within the mutual community and seeing colleagues grow One of her favourite quotes is It s nice to be important But it s more important to be nice On behalf of everyone at United General and Farm Mutual Re we thank Janice for her leadership and dedication to the company and the mutual community and we wish her many happy years of retirement PEI Mutual Bay of Quinte Mutual The Board of Directors of PEI Mutual would like to announce the retirement of General Manager CEO Blair Campbell in November 2021 Blair has been a loyal dedicated employee of PEI Mutual for over 30 years Before being appointed as General Manager CEO in May 2017 Blair served as Claims Manager for 27 years We would like to thank Blair for his many years of dedicated service and wish him the very best in his well deserved retirement We would like to announce the retirement of our Underwriting Manager Cathy Miles as of March 31 2022 Cathy has been with our team for almost 36 years She joined us in 1978 working with an Agent She left in 1984 for eight years to focus on her family and children Cathy returned in 1992 working in our Commercial Underwriting Department In 1995 she was promoted to the Manager of the Commercial Underwriting Department and in 2016 she was promoted to Underwriting Manager for all three lines of our insurance business West Wawanosh Mutual Middlesex Mutual West Wawanosh Mutual would like to congratulate Shelly Pollock Manager of Underwriting and Loss Control on her retirement Shelly has been an integral part of West Wawanosh Mutual for over 30 years and her loyalty hard work and contributions will always be valued and remembered West Wawanosh Mutual would like to thank Shelly for her many years of dedicated service and wish her the very best in her well deserved retirement Cindy Brooks retired as Executive Assistant from Middlesex Mutual on December 31 2021 Cindy genuinely cared about our policyholders creating a welcoming environment complete with kindness tolerance and a gentle approach In addition to ensuring our members needs were addressed she assisted in the transition to our beautiful new building in April 2018 On behalf of the board and staff we wish Cindy all the best pg 51

Other News Events Farm Mutual Re Farm Mutual Re is proud to have been named one of Waterloo Area s Top Employers for 2022 This special designation recognizes the employers in the KitchenerWaterloo area who lead their industries in offering exceptional places to work Employers are evaluated by the editors of Canada s Top 100 Employers using the same eight criteria as the national competition We re very pleased that Farm Mutual Re s EDI Equity Diversity Inclusion statement has been turned into wall art and is now prominently displayed at the 350 Pinebush office We re pleased to be planning our first golf tournament since 2019 Join your mutual colleagues for a round and dinner June 9th 2022 Hockley Valley Resort Mono omia com Events Golf Tournament pg 52

Trillium Mutual Almost one year has passed since the launch of Trillium Mutual s The Back 40 podcast Join them as they explore the world of Ag through the eyes of farmers industry experts and many other great guests You can listen to all episodes of The Back 40 here http the back 40 castos com or on your favourite podcast streaming platform Recent episodes Local Line to Local Produce with Cole Jones CEO of Local Line Creating the Mill of The Future with Randall Schwartzentruber CEO Co Founder of BinSentry It is our great pleasure to announce that as of February 14th Trillium has successfully launched Guidewire The executive decision was made in 2020 with the majority of leg work being completed throughout 2021 This was a major transformation including Underwriting Claims and Billing Finance Like any major project there were ups and downs but we couldn t be happier with the effort and dedication to get us to this point A huge thank you goes to the entire Trillium team for their support in this transition and we are extremely grateful for our broker representatives that provided us valuable feedback throughout the entire project EXCITING NEWS TO SHARE The Boards of Howard Mutual and West Elgin Mutual have entered into a PreAmalgamation Agreement to join together as one Company in January 2023 If the required regulatory approvals are received and both organizations policyholders vote in favour of this growth opportunity the amalgamated mutual insurance company will serve over 21 000 policies with more than 50 staff members and 23 agents generating more than 33 million in annual premium revenue pg 53

AI as a Tool to Detect Fraud A Conversation The following is a summarized conversation about fraud and using automated methods such as Artificial Intelligence AI to assist in the detection process The discussion was between Andrew Enochs Product Manager of North America at FRISS a provider of end to end P C insurance fraud analytics solutions and Mark Ross CEO of SEH Computer Systems Inc Mark When we talk about fraud and detecting it what kinds of situations are we typically looking at Andrew Enochs Mark Ross Andrew That is a really big question but if we keep it just to claims then we can talk about soft and hard fraud Soft fraud is where someone is opportunistic and claims a 55 inch TV when they really had a 35 inch TV Hard fraud includes deliberate attempts to create an opportunity to get money from the insurance company I have seen estimates that upwards of 10 of cases could involve fraud but when you look at the 100 that you spend on upgrading somebody from a 35 inch to a 55 inch TV it is nothing compared to the 20 000 you are going to pay on somebody who is faking a workers compensation claim Mark Where in the life of a policy can fraud detection help an insurer Andrew Ideally you want to catch fraud before it ever comes in so at underwriting there is an opportunity to verify a person s identity any past claims and whether they even own the vehicle When a claim is submitted fraud can be perpetrated by the policyholder a vendor or even organized crime Mark Can you describe what the experience would be for a claims adjuster when there is fraud detection with an AI Andrew With our FRISS product claims are evaluated by the AI and given a green yellow red coding as well as a score Business processes can then be put in place such as paying out green level claims pg 54 immediately and pausing payout on yellow and red level claims until some investigation has been completed Mark Mutual insurance companies tend to know their policyholders quite well and may have historically found little to no fraud in their claims Why would they be interested in using advanced techniques like AI to detect fraud Andrew One value proposition of AI fraud detection is that it provides the checks and balances to facilitate automatically paying the claim without interaction from an employee The good part about that is you will get rave reviews and more referrals when you can pay claims faster and it saves effort for the insurer Mark What happens over time as fraudsters change their behaviour to avoid being caught Andrew This is where AI really comes into play The point of machine learning is that it learns trends and it can identify them better than people can So over time the AI gets smarter and continues to look for new behaviour that also looks like fraud Mark Can I stop looking for fraud if I put an AI in place Andrew No People are always better than machines at catching fraud Computers easily deal with high volumes of data to identify patterns and raise alerts but people have good insights on the context For example AI can identify that a submitted image of a laptop is a stock photo from the internet and thus might be fraud but a person can understand the policyholder submitted the image as a reference rather than a picture of the actual laptop they owned Mark What kind of return on my investment might I expect Andrew Every business is different but it s common to see pay back in the first year At FRISS we have a great retention rate which is a good indicator of the value companies feel they receive Watch the whole interview at bit ly SEHFRISS

L A Mutual This story was first featured in The Kingstonist by journalist Michelle Dorey Forestell A Napanee family was recently featured in the local news after losing their homeowners insurance because of their family dog The family was shocked to learn that their rescue dog an American Bulldog would cost them their insurance but they have since learned that they aren t the only ones unaware of this policy with some insurers After struggling to place their insurance elsewhere the family shared their story on Facebook where L A Mutual Agent Todd Steele came across it and replied that he would like to help Steele said that as a local insurance company he tries his best to help people with their insurance needs and after learning the specifics about this family pet he thought he could make it work We re local we look at our customers every day We see them on the street we see them at the grocery store he expressed Steele did note that All insurance companies have different risks they re willing to accept and it s always good to shop around In the end the family was thankful to have experienced the mutual difference In Memoriam Remembering Our Mutual Family Members Norah Rows Alex Hansen Brian Arksey HT C Mutual advises of the passing of Norah Rows former director of Town Country Mutual Norah first joined us as a Director of Lobo Mutual She was in integral part of the amalgamation with East Williams and Ekfrid that created Town Country in 2001 Norah s hard work and dedicated collaboration contributed to the success of the amalgamation process She served with distinction in all executive positions on the Board including as Chair in 2007 and 2008 but it was as our friend and colleague where Norah s empathy and wisdom most benefited others McKillop Mutual is saddened to announce the passing of Alex Hansen after a long and courageous battle with cancer Alex joined the McKillop Board in 2010 and was a great asset with his common sense and prudent approach Building relationships was likely his greatest attribute which was evident during his term as Chair Alex was truly one of a kind a great friend and one of the most genuine people you could ever have had the pleasure of meeting and knowing Words cannot express how much he will be missed Yarmouth Mutual is saddened to announce the sudden passing of Brian Arksey Brian was kind generous compassionate and loyal He was a Certified Public Accountant and our former CFO and CEO He worked incredibly hard and was well regarded and respected Brian loved spending time with his family and friends and was always there to help a friend in need He was always interested in people s lives and enjoyed deep conversations with them He was the person who truly listened and cared always asking about you instead of talking about himself and he will be dearly missed pg 55

Recognizing the Ontario Agricultural Hall of Fame Ontario Mutuals are annual supporters of the Ontario Agriculture Hall of Fame and we wish to recognize the 2022 inductees all of whom have made an impact on Ontario agriculture and beyond The five will be recognized in an induction ceremony on June 12 bringing the total number of inductees to 245 To qualify for this prestigious recognition inductees must have shown visionary leadership innovation and entrepreneurship Our Board of Directors was delighted by the caliber of the nominees and the number of nomination packages received for consideration this year said Kelly Daynard president of the Ontario Agricultural Hall of Fame Association It s always a humbling experience to review the nomination packages and make the final selections and this year was no different Inductees for 2022 and Their Nominators Paul Kelly is an outstanding contributor to the Ontario bee industry and consequently to Ontario agriculture He has managed the Honey Bee Research Centre HBRC at the University of Guelph since 1987 This includes managing over 300 bee colonies He also sells his personal bee stock to new and experienced beekeepers across Ontario This is important work as so much of our food depends on pollinators to sustain crop quality and yields worth at least 400 million annually to Ontario agriculture Paul has developed methods and innovations to counteract some complex stresses diseases and pests and is an internationally acclaimed bee expert known for his abilities as a gifted speaker teacher and extensionist Paul is effectively educating the world as a global thought leader in pollinator education and research Paul currently serves on the Pollination and Apiculture Advisory Committee of Ontario and on the Ontario Animal Health Network Apiculture Committee along with involvement and membership in several additional bee and honey related organizations Paul was nominated by Ontario Agricultural College University of Guelph Pat Lynch began his career as an agronomy professional in 1973 working as a soils and crops specialist with the Ontario Ministry of Agriculture and Food There he introduced new crop production techniques initiating soybean production in new regions promoting direct cut solid seeded white beans co launching a pesticide course the current Grower Pesticide Safety Course and starting county newsletters He was a senior agronomist with Cyanamid Canada where he significantly initiated a crop consulting service in Ontario In 2008 he became an independent consultant directly consulting with growers He co authors a weekly agronomy newsletter and has been writing a regular column in other magazines and newspapers for 40 years Pat has a passion for extension work and is known as an excellent presenter and debater Pat helped to introduce the Certified Crop Advisor Program to Ontario through development of performance objectives and the CCA examination This certification program now includes over 650 professional crop advisors Pat was nominated by Ontario Certified Crop Advisor Association pg 56

Pat Mighton has been a dynamic force in Ontario agriculture through her advocacy leadership in agricultural education and fundraising work Her leadership role began as class secretary for OAC 64 a role she has maintained for nearly six decades Pat was the University of Guelph s first female president of the OAC Alumni Association chair of the OAC Alumni Foundation OACAF served on the U of G Senate and a member of the International and Awards Committees In 1984 Pat joined the Ontario Ministry of Agriculture as education specialist She was responsible for coordinating the Agriculture in the Classroom program in its early days Her efforts were invaluable in creating what is now known as AgScape Ontario Her life work in agricultural education and organizational development continued as the Rural Organization Specialist for the Region of Waterloo Pat was the executive director of the Advanced Agricultural Leadership Program 198797 where she led this unique disciplined leadership opportunity for people working in agriculture and rural Ontario AALP is now in its 36th year with 480 alumni in many positions of leadership in the agriculture food and rural sectors Pat was nominated by Rural Ontario Institute James Rickard s impressive background of business and professional accomplishments have well served many agricultural organizations around Ontario over the past four decades He is a successful businessman operating a 1300 acre diversified farm operation in Bowmanville with his brother James is also a trained facilitator and arbitrator providing professional consultation for dispute resolution for individuals and grower associations He is known for his integrity and fairness and his ability to foster unity among diverse interests Jim has been involved in Ontario Apple Growers Marketing Board Ontario Fruit and Vegetable Growers Association Farm Products Appeal Tribunal and Ontario Broiler Hatching Egg and Chick Commission OBHECC With his efforts Ontario has set the standard of service of adjudication ensuring that Ontario agriculture operates on principles of justice and fairness He helped to resolve many conflicting points of view to enable the agricultural industry in Ontario move forward efficiently and profitably James was nominated by Ontario Broiler Hatching Egg and Chick Commission OBHECC Dr Patricia Shewen BSc DVM MSc PhD was a professor at the Ontario Veterinary College University of Guelph from 1982 2011 She was the first female Assistant Dean of Research and Graduate Affairs the inaugural chair of the Department of Pathobiology and currently the associate editor of the Canadian Journal of Veterinary Research In 1988 after more than 10 years of research and trials Pat and colleague Dr Bruce Wilkie developed a vaccine to control bovine pneumonic pasteurellosis or shipping fever The vaccine addressed shipping losses and led to the substantial reduction in the use of antibiotics in cattle Dr Shewen has published or co published over 100 additional research papers in ruminant immunology She is well known for her thoughtful mentoring of graduate students and the young veterinary students at OVC She taught immunology to DVM students for 25 years and was the principal advisor for over 30 graduate students and post docs Dr Patricia Shewen was nominated by Dr Harry Brightwell and the Rotary Club of Stratford The 2022 induction ceremony will take place on June 12 2022 As long as public policy permits it will be a hybrid format with the live ceremony held at the GrandWay Events Centre Grand River Raceway Elora There will also be an option for guests to join us virtually Details when they are available will be posted on the Ontario Agricultural Hall of Fame s website at www oahf on ca It is the mission of the Ontario Agricultural Hall of Fame Association to acknowledge record and preserve the contributions made by leaders to the growth and development of Ontario s agriculture and agri food industry pg 57

The 2022 OMIA Annual General Meeting Convention The 140th OMIA Annual Convention too place at the Sheraton Hotel Toronto on March 31st 2022 This was a hybrid event with approximately 450 people attending in person and 100 participating online It was a great time to catch up with our colleagues hear from several speakers and acknowledge recent award recipients Keynote Speaker The morning started off with a keynote address from Terry O Reilly host of the CBC s The Age of Persuasion and Under the Influence O Reilly spoke about the fundamental importance of storytelling in life and business His examples encouraged us to collect save and share our many mutual stories for authentic connections with our current and future customer base AGMs The Fire Mutuals Guarantee Fund and OMIA Annual General Meetings took place mid morning The OMIA meeting included addresses from President John Taylor Chair John Stirk and Incoming Chair Steve Quinn where he introduced his theme Our People Our Communities A Celebration of Success As it was the 140th Annual General Meeting John Taylor shared some insights from the 1922 Annual General Meeting where many of the topics were the same as today Developing rate adequacy Finding ways to work together Ensuring ongoing solvency protection for members Awards The Awards Luncheon offered an opportunity to recognize recipients of the Firefighters Association of Ontario Medal of Merit Presidential Merit Award and the Distinguished Service Award FFAO Medal of Merit Through the decades the FFAO has provided countless hours of training and professional development and sponsored many positive changes for fire services and the communities they protect The Medal of Merit was created in partnership with OMIA in 1983 and may be awarded to any firefighter in the province of Ontario for meritorious service above and beyond the call of duty This year we recognized four Medal recipients Joining us on behalf of the FFAO were Retired Chief Kevin McNeilly Association President and Firefighter Jamie Hiller Board member and Medal of Merit Chairperson Matt DeVries Wainfleet Fire pg 58 Andreas Fortis Brampton Fire Matt Dickison Alnwick Haldimand Fire Jamie Hiller Centre Wellington Fire

Distinguished Service Award The Distinguished Service Award is presented to retired individuals who have made significant contributions over the course of their career to mutuality and the mutual community Normally it is presented in October at the P M but given the disruption over the past two years the board elected to award two Distinguished Service Awards to the following worthy recipients Nancy Preston Middlesex Mutual Terrye Calnan HTM Insurance Presidential Merit Award The Presidential Merit Award is presented to an individual who is still active in the mutual system and exemplifies the best elements of mutuality Winners demonstrate a long term commitment to mutuality and service to the association Winners generously contribute to their fellow mutuals and have a favourable influence on other members of the association This year we recognized two exemplary individuals Brian Downie West Elgin Mutual Allan Hedley Cayuga Mutual Directors Certificates Over the past 10 years one of our educational success stories has been to popularity of the OMIA Director Certification Governance has been an increasingly important area for boards everywhere and as mutuals we wish to make sure that directors have all the tools and skills necessary to serve as mutual directors on behalf of policyholders We have recognized 121 recipients for this certification since March 2015 This year we honoured our nine new graduates with five in attendance Congratulations to all of you who made it a point to continue on the path to certification despite the disruption and challenges of the pandemic Brian Annear PEI Mutual Jayne Carman Brant Mutual Claude Dorgan PEI Mutual Brian Leach The Commonwell Derek MacFarlane Stanley Mutual Stewart MacRae PEI Mutual George Matheson PEI Mutual Bill Rhodes Kent Essex Mutual and Bob Taylor Stanley Mutual Information Sessions The afternoon was concluded with four informative and educational sessions on various topics 1 Economic Outlook What Lies Ahead in Pandemic Year Three Erik Johnson Associate Economist BMO 2 An Introduction to the Cooperative Development Fund of Canada Benoit Andre Executive Director 3 Principles Based Regulation Jordan Solway Executive VP Legal and Enforcement FSRA 4 Question Box Quick Hits Tyler Kroetsch OMAP Patrice Rouse Farm Mutual Re Stephen Grant Madorin Snyder Rob Bickle Madorin Snyder Recordings of the sessions including the AGMs and Award Luncheon are available for members to view on omia com Events Annual Convention Entertainment The day s events were capped off with a light hearted act by Canadian comedian James Cunningham and an energetic live auction in support of the Farm Mutual Foundation We look forward to another fantastic Annual Convention in Toronto on March 22 24 2023 pg 59

Send your news photos and updates to marketing omia com OM News can be read on the members website without signing in Just visit www omia com and select Ontario Mutuals Newsletter from the menu on the left Go Green with OM News Please send us an email if you would like to reduce the number of paper copies your company receives 350 Pinebush Road Cambridge ON N1T 1Z6