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MAP OUT YOUR EDUCATION PATH AT OMIAPG. 36>Welcome New Mutual Team MembersFall Events Details & Dates Pg.5Pg. 6O NTARIO MUTUALS NEWSLETTERAugust 2021

2Hitting Our StrideNo doubt we’ve all had that head scratcher of a moment where we’ve realized, “Yes, it is indeed summer again!” It’s been a strange year for all of us but we’ve been led back to the relative calm of a summer spent with a little more family and a lot more sunshine.It’s amazing to think of how far we’ve all come in our efforts to maintain our connections in both work and life. Somehow we’ve adapted - business has gone on in the virtual world, Ontario Mutuals have stepped up for their customers and communities, and we’ve all become bona de video conference experts.We’re happy to look toward a new season of stability with some in-person events, and yes, regular old work days with coffee breaks and colleagues.As always, the pages in this newsletter celebrate a mutual system that works together, in all ways, through all seasons.

August 20213FEATURES:A MESSAGE FROM OMIA’S CHAIRJohn StirkNEW TEAM MEMBERSWelcoming New Faces to the Mutual SystemGIVING BACKHow Mutual Companies are Supporting Their Communities28LEARN MORE ABOUT OMIA STAFFFeaturing Our eLearning DeveloperMILESTONESRecognizing Signicant AnniversariesACCOMPLISHMENTSCelebrating Achievements in the Mutual SystemOTHER NEWS More Mutual NewsRETIREMENTSCelebrating Those Who Have Helped Ontario Mutuals ThriveEDUCATION CALENDAROMIA Education at-a-glanceAPPOINTMENTS & POSITION CHANGESTransforming the MutualsIN MEMORIAMRemembering Our Mutual Family MembersOMIn this issue >>August 202154616273038404642Get the Details On This Year’s Farm Shows32Celebrating Resilience with The Umbrella Project22We Have Lots of New Team Members!6

4A Message from OMIA’s ChairI recently came across an article titled, “Why Some Companies Survive for Centuries”. The authors, from the Rotterdam School of Business, presented the concept that the following characteristics are key to the longevity of a company: a sense of identity, nancial conservatism, and an open management style. I thought it was interesting that each of these concepts applies to Ontario Mutuals.A Sense of IdentityIn the article, the authors concluded that,”A strong sense of identity is one of the clearest factors related to longevity.” Corporate identity is about how a company positions itself and its products in the marketplace through images and branding. It’s about how a business enterprise represents itself to the public. Our mutual identity is rooted in our history and the very reason we exist. Service to policyholders, integrity in business practises, and commitment to communities are some of the principles on which mutuals were originally created. These principles still dene our products and our customer service. They dene who we are. Mutuals have a clear sense of identity. Financial ConservatismThe mutual system has been built over nearly two centuries. Slow, moderate growth, with appropriate additions to retained capital, has placed our membership on solid ground nancially. Visionary leaders from our past saw the need for our own reinsurance company and created Farm Mutual Re. They also understood the advantages of a joint solvency guarantee which led to the Farm Mutual Guarantee Fund. Through long term, conservative practices, Ontario Mutuals nd themselves part of one of the strongest nancial systems in the country.Open Management StyleAn open management style refers to empowering employees by listening and responding to their ideas while allowing them do their work and think for themselves. So often we have experiences at places of business where customer service representatives are not empowered to deal with situations. They are required to ask someone else for direction or permission. My observation of mutual insurers is that they trust people to make responsible decisions, to think independently and to show creativity in their endeavours. Agents and Brokers are entrusted with representing mutuals to the public while underwriters assess the risk of accepting policies, and claims representatives negotiate settlements. An open management style is a strength of our mutual insurers.Ontario Mutuals: two centuries of crafting an identity, of nancial conservatism, and trusting people.Ontario Mutuals. Two centuries of building trust.Still standing for a reason!John Stirk, ChairOntario Mutual Insurance Association

OM NEWS AUGUST UPCOMING EVENTS OMIA is pleased to represent the Ontario Mutuals brand presence at significant community and industry events Once again the fall event schedule will look a little different for us Please see below to see some of the changes taking place CANADA S OUTDOOR FARM SHOW IS TRYING SOMETHING NEW www outdoorfarmshow com After the success of their digital farm show last September Canada s Outdoor Farm Show decided to spread out the delivery of their information and host six themed digital events in 2021 Ontario Mutuals will participate as a Silver Level Sponsor in both the September and November sessions September 15th 2021 Making Progress Considerations for Pre Harvest November 10th 2021 What a Year A Celebration of Ag Innovation For more information or to sign up for a digital pass visit www outdoorfarmshow com THE IPM IS POSTPONED UNTIL 2022 www plowingmatch org THE IBAO CONVENTION IS GOING DIGITAL FOR 2021 www ibao org The Ontario Plowmen s Association OPA made the very difficult decision to cancel the 2021 match in Lindsay It is now scheduled to take place in North Grenville Kemptville from September 20 24 2022 The IBAO made the decision to once again cancel their inperson convention but they will be hosting a digital event October 20 21 2021 OMIA will watch for more details and seek out sponsorship and promotion opportunities on behalf of Ontario Mutuals This is now the fourth time that the event has been cancelled since its beginning in 1913 The first cancellation was in 1918 when the flu pandemic struck Ottawa the second was during the Second World War and the third was just last year due to COVID 19 For more information visit www plowingmatch org For more information visit www ibao org events annualconvention THE PRESIDENTS MANAGERS MEETING At the time of publication OMIA is hoping to be able to arrange a modified in person Presidents and Managers Meeting P M this October 2021 We will of course abide by all the necessary rules and regulations and if it turns out not to be possible we will adapt to a virtual meeting environment We will share all the details with our membership as they become available August 2021 5

6Andrea Kerswill joined the Farm Mutual Re team in the role of AVP Innovation in April 2021. Andrea leads Farm Mutual Re’s new Innovation Centre of Excellence. She stewards the innovation process by seeking out ideas, technologies, and partnerships to support continuous improvement and organizational sustainability. Andrea also engages and collaborates with members to advance and scale member-driven innovation initiatives. Andrea has over 15 years of experience in the Financial Services industry. A proven innovation and technology leader, Andrea was most recently Director, Innovation & Scotiabank FactoryU, where she built, managed, and led Scotiabank’s innovation hub in Waterloo. Prior to leading Scotiabank’s Innovation hub, Andrea served as Chief of Staff to Scotiabank’s Executive Vice President of Retail Products. She also spent eight years in Institutional Equity Research holding progressively senior roles at Canaccord Genuity, BMO Nesbitt Burns, and TD Securities. Andrea has served on the Board of The New Quarterly, has volunteered with Enactus Canada and Ladies Learning Code, and is an active member of the local theatre community. She is a graduate of the University of Waterloo, with a Bachelor of Arts in English Language and Literature. Andrea resides in Kitchener-Waterloo with her husband.HT&C MUTUAL We’re pleased to welcome Lee-Ann Vansteenkiste to the position of Business Development & Marketing Director as of April 5, 2021. Lee-Ann brings over 25 years’ insurance experience to the team, with a prior focus on claims, education, leadership, and change management. This will position her well as we move forward with our amalgamation process. Lee-Ann has worked with member companies in the past in areas of education, consulting, auditing, and claims handling, and has been actively engaged in the insurance community through the Insurance Institute and the OIAA in many different roles and capacities. Lee-Ann has her Honors Degree in Law from Carleton University and holds the CIP designation. NEW TEAM MEMBERS AT FARM MUTUAL RENEW TEAM MEMBERSWelcoming New Faces to the Mutual System

August 20217Benedict Su joined the Actuarial Department in the role of Actuarial Analyst in May 2021. Benedict has completed a Bachelor of Mathematics, Honours Statistics from the University of Waterloo. He has worked as an Actuarial Analyst Co-op for SunLife Financial, as well as London Life Insurance Company. Most recently, Benedict worked at Morneau Shepell Ltd. in Vancouver in the role of Actuarial Analyst. He has completed six Actuarial Exams. Benedict is still living in B.C. and will be working entirely remotely during his time with Farm Mutual Re. Suomi MacCarthy re-joined the Analytics Services Department in the role of Actuarial Analyst in May 2021. Suomi recently graduated 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. Most recently, he worked as an Actuarial Analyst at Aon Plc in London. He has completed two Actuarial professional exams. Cyndi Song joined the Actuarial Department in the role of Actuarial Analyst in May 2021. Cyndi has completed a Bachelor of Mathematics with a double major in Actuarial Science and Statistics from the University of Waterloo. She has worked as a Data Analyst Intern at the China Academy of Science, and most recently as a Customer Service Analyst at SavvyPro Education in Waterloo. Cyndi has completed three Actuary professional exams.Patrice Rouse was appointed Farm Mutual Re’s General Counsel and Corporate Secretary in July 2021. In this role, Patrice is responsible for the Legal, Corporate Secretary, Compliance, and Privacy functions, and related policies and programs. Patrice was most recently the Deputy General Counsel of CIBC FirstCaribbean, headquartered in Barbados. Prior to that, she worked for insurance/insurance brokerage companies and large integrated Canadian nancial institutions in Ontario, and a law rm on Wall Street in New York.Patrice has over fteen years of progressive leadership experience and has legal expertise as a regulatory, governance, litigation and transactional attorney in the insurance, banking, securities, and capital markets industries.Patrice graduated cum laude from Howard University School of Law in Washington, DC and holds an Honours Bachelor of Arts from the University of Toronto. Her bar admissions include the Law Society of Ontario and the New York State Bar.Patrice is a strong advocate for inclusion, has always been committed to community service, and throughout her professional career has devoted her time to pro bono practice and volunteer work dedicated to these values.Steve Steele joined the Farm Mutual Re Product Services Department in the role of Product Analyst to support Fleet and Garage underwriting in June 2021. Steve brings with him many years of experience in the insurance industry, most recently from Wawanesa as their Commercial Automobile Manager, and Echelon as their VP Product Development & Underwriting. Contact us today for all of your promotional marketing needs!519.623.5101 or aaron@arrowmarketing.caBuild your Brand with Promotional Products & Corporate ApparelNEW TEAM MEMBERS AT FARM MUTUAL RENEW TEAM MEMBERS

8We’re pleased to announce and welcome Tanya Doell as our newest Personal Lines Underwriter. Tanya has worked in the insurance industry for over 15 years in Broker and Underwriting roles and has a strong understanding of mutuality, having most recently worked at Usborne & Hibbert Mutual in Exeter. Tanya’s vast knowledge and experience will be a great asset to our team. We’re happy to introduce Jazlynn Ricker as our new HR Generalist. Jazlynn had been the HR Coordinator for Strickland’s Auto Group where she provided HR representation for all ve of their locations, servicing more than 230 employees. Her experience touches on a variety of functions including recruitment, safety, payroll, reporting, training, benets and pension administration, onboarding, and event planning. Jazlynn successfully completed her HR Management diploma from McMaster University. We’re is pleased to welcome Kerri Kelly-Parkinson to our team of Ayr Farmers Mutual Agents. Kerri has over 20 years’ experience in media sales, having worked previously for The Auto Trader, Hamilton Magazine, Hamilton Spectator and the Brantford Expositor. Most recently, Kerri created a quarterly publication called “Live Small Town Magazine” which features stories on local people, business and landmarks. Her strong commitment to community is demonstrated daily. Kerri will be taking over a portion of a retiring Agent’s book of business.Ayr Farmers Mutual is delighted to welcome Kyle Knechtel to our team of Agents. Kyle was the Retail Manager of Home Run Sports with locations in London and Toronto, then moved into the same role at Paris Sports Center. During this period, Kyle worked as a general farm hand with Bredenoort Farm in Woodstock. A former professional hockey player, Kyle played for the Fayetteville Fireantz in North Carolina, for the Windsor Spitres, Owen Sound Attack, and Mississauga Ice Dogs. Kyle will be taking a portion of a book of business from a retiring Agent.We’re pleased to welcome Aaron Bigras to the role of Personal Lines Underwriter. Aaron has been working in the Underwriting Department on contract since May of 2020 supporting the auto team and most recently the residential team. Prior to joining Ayr Farmers Mutual, Aaron spent six years working at Economical Insurance where he held a variety of underwriting roles including working as a commercial eet underwriter and a surety underwriter. NEW TEAM MEMBERS AT AYR FARMERS MUTUALNEW TEAM MEMBERS

August 20219We’re pleased to welcome Danielle Baker as our Manager of Accounting. Prior to joining Ayr Farmers, Danielle was with Manulife Bank of Canada, as the Manager of Internal Reporting Analysis. She is excited to return to her small community roots and work in an environment where she can build stronger relationships and enjoy a greater work-life balance. We’re pleased to announce Alison Gunn has transitioned to join our team of Agents. Alison joined the Ayr Farmers Mutual family in 2015 as a Claims Representative. Since then, she has handled automobile and accident benets claims, all while delivering a positive experience for our policyholders. Alison obtained her CIP designation in 2018 and became an instructor with the Insurance Institute of Ontario, Conestoga Chapter in 2020. Alison places great value on being involved in the community and the relationships she has already made with policyholders and our Ayr Farmers Mutual team. We’re pleased to welcome Dan Mishchenko in the role of Claims & LP Representative. Dan has worked in the Insurance industry for over 20 years in both Claims and Loss Prevention roles. Prior to beginning a career in insurance, Dan worked as a contractor completing home renovations in his family business. We’re pleased to welcome Jamie Terdik to our team of Agents. Jamie began her insurance career in 2014 at The Co-operators where she was an Associate Insurance Advisor/Ofce Manager in Kitchener. As a licensed Agent, Jamie has built strong policyholder relationships while being responsible for insurance sales and service. Jamie volunteers her time and supports a variety of local organizations such as St. George Ladies Slo-Pitch, Testicular Cancer Canada, City of London Leadership Committee, Grand River Sports Medicine and Rogers Community Television.We’re excited to welcome James White to our team of Agents. James joins Ayr Farmers Mutual after spending the past six years as Business Development Manager/Account Manager with Desjardins Insurance in Brantford. Prior to beginning his career in insurance, James spent eight years with Crown Fire Equipment in sales and management roles. James was a volunteer reghter for the County of Brant and a former player and coach of the Junior C hockey team, the Burford Bulldogs. James recognizes the value of being insured with a mutual and is looking forward to continuing his career with us.MIDDLESEX MUTUAL Please join us in welcoming our newest Agent, Don Corby, who joined our team in March 2021. Don comes to us with over 25 years of entrepreneurship experience and has a passion for helping businesses grow and prosper. We’re excited to see him apply his business expertise and help expand our reach within Middlesex County and surrounding areas. Welcome Don!MIDDLESEX MUTUAL Todd DeSilva joined the Middlesex team, as Information Systems Administrator, in March 2021. Todd has a strong IT background in the mutual community with over 10 years of experience working with the IBS system through Cognition+ (MCCG) and maintaining the IBS back-ofce software. Todd will be instrumental in helping transition to new systems and assisting our expanding IT department. NEW TEAM MEMBERS

10We’re happy to welcome Katherine Nemeth to our underwriting department as Underwriting Administration. Katherine recently graduated from the Business Insurance program at Seneca College and has started on her CIP with two courses completed. Please join us in welcoming Katherine to the HTM family!We’re pleased announce that Kay Farrell-Lang will be joining our underwriting department as Underwriting Administration. Her past experience in residential, commercial and farm lines of business will be an asset to the department. She has been working at an Insurance agency in Cobourg since 1996. Kay is committed to continuous learning and has completed her CIP designation. Prior to that, Kay completed her post-graduate studies in Business Administration at Durham College. Please join us in welcoming Kay to the HTM family!We would like to welcome Tara Bullock to our underwriting department as a Farm Underwriter. Tara was raised on her parents’ dairy farm and now lives and assists on a 4th generation dairy farm in Peterborough County with her husband and three children. Prior to HTM, Tara was a farm insurance broker at a local insurance brokerage and is RIBO licensed. Tara has also completed her CAIB 1 and CAIB 2 courses and will be actively pursuing her CIP designation. Tara has a Bachelor of Arts degree in Sociology from McMaster University and also completed her Human Services Administration diploma from Sheridan College. Tara is a branch board member at the Ontario Holstein Branch, a Peterborough County 4-H Leader and is an active member of the Lakeeld United Church.We would like to welcome Kelley Turk as Underwriting Administration in the underwriting department. Prior to coming to HTM, Kelley worked in sales at St. Anne’s Spa and as a Case Specialist at Canadian Fertility Consulting. She nished her Business Administration diploma at Gates College and is looking forward to starting her CIP courses shortly. Please join us in welcoming Kelley to the HTM family!We’re very excited to announce that Jade Hind will be joining our underwriting department as Underwriting Renewal Analyst. She has been working at a local insurance brokerage since 2019 and is RIBO licensed. Jade has also completed her CAIB 1 course and will be actively pursuing her CIP designation. Jade has a Bachelor of Science degree with Honours from Teesside University in the UK majoring in Pediatric Nursing. Please join us in welcome Jade to the HTM family!NEW TEAM MEMBERS AT HTM MUTUALYARMOUTH MUTUAL We’re pleased to welcome Leah Hogan to our underwriting team. Leah is a graduate of the Insurance program at Fanshawe College and has been in the insurance industry for the past four years with experience in both residential and farm insurance. Welcome, Leah!YARMOUTH MUTUAL We’re pleased to welcome May Vang-Thao to our underwriting team. May has received her CIP designation and has been in the insurance industry for the past six years with experience in both auto and residential insurance. Welcome, May!NEW TEAM MEMBERS

August 202111We would like to welcome Mark Dufault, Project Management Specialist, to our team. Mark has extensive experience in project management including a background in technology. Welcome to the team, Mark! We’re pleased to announce that Jennifer McCulloch has joined our team as a Commercial Auto Underwriter. Jennifer comes to K&E with over 10 years’ experience in commercial auto insurance. We’re excited to have Jennifer on our team! We would like to welcome Erik Fryscok, Information Technology Specialist, to the K&E team. Erik is a graduate of Fanshawe College with experience as a System Administrator and is new to the insurance industry. Welcome, Erik!We’re pleased to welcome Daryl Ethier to the team as Business Intelligence Analyst. Daryl graduated from McMaster University with an Honours Actuarial and Financial Mathematics degree. He also has four years’ experience as a data analyst. Welcome, Daryl! Kelly Peck-McDonnell, CIP has joined our team as a Senior AB Claims Adjuster. Kelly has 18 years’ experience in Accident Benets and has obtained her diploma from the Fanshawe Business Insurance Program. Welcome to the K&E team, Kelly!NEW TEAM MEMBERS AT KENT & ESSEX MUTUALWhile 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.Make sense of the path aheadThe decisions your policy holders make now will define their future.Jas Chahal, CPA, CA | 289.293.2371 | jas.chahal@mnp.caMNP.caNEW TEAM MEMBERS

12We’re excited to welcome Camryn Ferguson to the team. Born and raised in Guelph, Camryn recently completed her undergraduate degree at the University of Guelph where she studied Sociology while completing certicates in Business and Leadership. She spent the last two summers at OMIA, working as their Marketing & Communications Assistant in 2019 and E-Learning Developer in 2020. We’re fortunate to keep her in the mutual family. We’re excited to welcome Tina Thomson to the Halwell team as Project Manager. Tina has worked in the insurance industry for over 20 years in various roles, including as a broker, underwriter, business systems analyst and project lead. Help us give her a warm, mutual welcome.Dean Bottschen comes to Halwell as IT Systems Lead with over 20 years experience in information technology. Working in the insurance industry for more than a decade with independent broker associations, the Insurance Bureau of Canada, CSIO, CAMIC, ACORD and more. All with a focus on delivering great service and to be better than the direct writers.Help us welcome Obiageli Nwaoshai to the Halwell team. Oby is starting her 4th year at Wilfrid Laurier, studying psychology and Human Resources Management with York University, and she joins us as our summer HR and Admin Intern.We’re excited to welcome our newest Underwriting Assistant, Navdeep Bhatoa. A recent graduate from the University of Toronto, Navdeep completed a double major in Applied Statistics and Economics, and a minor in Math. We are so happy to have her start her insurance career at Halwell! Join us in welcoming Ginette Hardy, our newest Claims Assistant. Originally from England, Ginette recently graduated from the Insurance Program at Mohawk College. Ginette has worked as a Property & Casualty Agent, and also owned a dog walking company! After visiting Canada in 2018, she fell in love with the country, and has since moved here with her family! Help us welcome Ginette to the Halwell team!HOWICK MUTUAL Troy Walther has recently joined the Howick team as an IT Technician. Troy recently graduated from Lakehead University, where he obtained his Honours Bachelor of Science Degree in Computer Science. Troy comes to us with extensive technical knowledge in IT, and work experience developing websites.In his spare time, Troy enjoys “tinkering” in his home virtual environment and gaming. His local roots, education, and skills make him a great t for our team. Welcome to the team, Troy!HOWICK MUTUAL Paula Culbert has recently joined the Howick team as our Executive Assistant. Paula has been in the Ontario Mutuals family, with Formosa/Trillium Mutual for more than 30 years. Her extensive knowledge of the mutual system, along with her many skills and experience, make her a great addition to our team. When she is not busy volunteering in her community, Paula enjoys being physically active and spending quality time with her family. Welcome, Paula!NEW TEAM MEMBERS AT HALWELL MUTUALNEW TEAM MEMBERS

August 202113DUMFRIES MUTUAL A warm welcome to Jenn Dirks who joined our team as a Property Underwriter in March. Jenn is a graduate of Queen’s University and has worked in the P&C industry for ve years. She started at Travelers in the Small Business Underwriting department and has worked more recently at AIG and Heartland Farm Mutual.DUMFRIES MUTUAL We’re pleased to share that Melissa Slote became our Underwriting Assistant in March. Melissa was born and raised in West Flamborough and spent most of her career in the collision repair industry. Her experience will be a great asset to the team. Welcome, Melissa.EDGE MUTUAL Please join us in welcoming the following people to our team:Devon BondCommercial UnderwriterTrish WidmeyerFarm UnderwriterPaula FerreirinhaUnderwriting AssistantTyler Smith Risk Assessment InspectorLaura McEachernClaims AssistantJessica SmithAccounting AssistantHOWARD MUTUAL We’re pleased to welcome Roberta Gifn as Business Development Manager. Roberta started her insurance career 32 years ago as an agent, and for the last 18 years she has been leading a successful local broker team. Previously serving as a Board of Director for the IBAO, Roberta monitored industry trends, and introduced new services to update marketing strategies.We look forward to Roberta starting her next chapter as Business Development Manager and leading our team of skilled agents.Congratulations, Roberta!HOWARD MUTUAL We’re pleased to announce that Laura Feetham has joined the Howard team as Ridgetown Customer Service Associate.Laura is an active member in community theatre and brings her love of the community, excellent customer service skills, and a great personality to the Ridgetown ofce. Welcome, Laura!OMIA We’re pleased to welcome Danita Johal to our team as Ofce Assistant.Danita is a recent graduate from Conestoga College earning a Bachelor of Early Learning Program Development.She brings a warm personality and dedication to excellent work to her role. Welcome, Danita. NEW TEAM MEMBERS

14We’re pleased to announce the appointment of James Browning as a full time Sales Agent.James was born and raised in Dresden and currently resides in Chatham and has over 25 years’ experience in the industry, starting his insurance career in 1995 as a direct writer for a national carrier, before building his own insurance brokerage from the ground up. James later joined another national insurer.James has been familiar with the NKMi brand his entire life, and will be based in our Chatham Ofce.Please join us in welcoming Mallory Martin to the NKMi team. Mallory joined the accounting Department as a part time Administrative Assistant on March 1st.Mallory was born and raised in Dresden, and is a recent graduate of The University of Windsor. She also co-owns “Best Case Ontario”, a fully operating apparel brand since 2016.We’re very pleased to have Mallory join the team.Welcome to Ron Buchanan who joined NKMi on June 21st as the Treasurer-Accounting Manager.Ron has worked in the Ontario Mutuals community as a Senior Accountant for the last eight years. He has been an active member of the Canadian Insurance Accountant’s Association and their education program during that time. He graduated from King’s University College with an Honors Bachelor of Arts in Political Science. He continued his education at Fanshawe College obtaining a diploma in Business Accounting. Ron has a diverse management background in operations and nance roles in a variety of industries, including insurance, retail, and distribution. Ron currently resides in Dutton, where he grew up. He is currently the Treasurer of the Chatham Kent Police Pipes & Drums and past Treasurer of the Rodney Aldborough Agricultural Society. NEW TEAM MEMBERS AT NORTH KENT MUTUALOnce again, 4-H Ontario was able to provide a safe, equal, and fair opportunity to the 4-H members by offering the 2021 Go For the Gold local competitions virtually from May 1st to August 6th.We continue to monitor the impacts of the COVID-19 pandemic for the health and safety of all participants. At the present time, a decision has not been made on the delivery format for the Regional Go For The Gold Competition.Either way, we know we can look forward to a fun and challenging event, with special thanks to our sponsors at Ontario Mutuals! 4H GO FOR THE GOLD 2021NEW TEAM MEMBERS

August 202115Osman Muhammad joined Trillium in January as part of our Guidewire Implementation Team. Osman has spent the last year and a half working for EY as a Senior Business Analyst in their Guidewire Practice, engaging with three Ontario Mutual implementations of EY’s Guidewire Cloud Project, iNexus. He brings with him specic experience, organizational skills, technical knowledge, and a goal orientated focus that will allow him to be successful in this role. Trillium is happy to welcome a student, Brooke Lorentz, who will be working in our CAST department until the end of August. Brooke is from Mildmay and started with Trillium at the end of May. She has been a very welcomed addition to the Trillium team and we are very happy to have her on board before she heads off to university in September. We are extremely proud to announce that Vicki Nicholls has joined the Trillium team as a Temporary Full-Time Claims Representative. Raised in the Listowel area, Vicki has worked locally in our profession for the past 25 years or so. She achieved her CIP designation in 2002 and has gained experience working at Heartland Farm Mutual and Pilot Insurance Company. She is lled with passion, knowledge and experience, which has been a great addition to Trillium.We’re very excited to announce that Heather Hanson joined the Trillium team in the position of Temporary Full-Time Multi-Line Underwriting Support. Heather comes to Trillium with eight years of experience in claims and most recently was a Property Adjuster at Heartland Farm Mutual. Her knowledge, experience and great attitude have made her a perfect t for Trillium and our members. Please join us in welcoming her to the Trillium team!NEW TEAM MEMBERS AT TRILLIUM MUTUALMCKILLOP MUTUAL We’re pleased to welcome Richard Seip to the team as our new Business Development Manager. Richard brings almost 30 years of experience and knowledge in distribution management, consumer and privacy complaint handling, product and rate development, quality assurance and education and training. Richard was a past member of the Insurance Bureau of Canada’s Regulatory Affairs Committee and a past instructor with the Insurance Institute of Canada’s CIP Program. He has his Fellowship and Canadian Risk Management designations, as well as Business Diploma Courses and Honours BA through Wilfrid Laurier University.Richard and his wife Christine reside in Stratford where they are very involved in the community and enjoy spending time with family.Please welcome Richard to the mutuals!NEW TEAM MEMBERS

16BCM INSURANCE We launched our Community Grants Program in 2019. Since then, more than $355,000 has been granted to non-prot organizations across the region. BCM’s goal through this program is to strengthen local non-prot organization’s capacity to continue to do their great work in serving Niagara’s communities. At a recent Board meeting, the directors approved allocating an additional $118,000 to the program for 2021.“We’re proud of the scope of groups and the variety of projects that we were able to support this year,” said John Dekker, Chair of the BCM board and a member of the Grants Committee. “This is the third year we’ve offered the program and we see the continued need for our type of grants program.” BCM grants will be used to support GAMRU South Shore Search and Rescue to buy search and rescue equipment to assist in a predicted busy 2021 boating season. Recognizing that fundraising for many groups was down signicantly in 2020, ve grants will be give BCM the opportunity to be the title sponsor for 2021 fundraising events held by the Kristen French Child Advocacy Centre, Carousel Players, Community Crew, Project Share and Autism Niagara. Person Centered Care’s grant will assist with equipping a new space for their programs, serving clients with special needs. Links for a Greener Learning are building an accessible walkway to their new greenhouse with their grant. And nally, the South Niagara Rowing Club’s grant will be used to sponsor the BCM Five Bridges Classic taking place this September.How Mutual Companies are Supporting their CommunitiesONTARIO MUTUALS GIVE BACK

August 202117WEST ELGIN MUTUAL With all the rain and warm weather we’ve been experiencing, the Growing for our Community Garden (located adjacent to West Elgin Mutual in Dutton) is going crazy (with weeds and vegetables)!Since the middle of June, we have been distributing vegetables to the local food bank in Dutton, Caring Cupboard in Rodney, and Caledonia Gardens and expect to be able to support more people once more crops are ready to be harvested.We have had some amazing support from our community with our local landscaping company (Titan Landscape) installing and donating a driveway to help with access; a local councillor (Amarilis Drouillard) donating much needed wheelbarrows and community members helping out with donations of straw, plants and manure.Some pupils at the local high school have also been working on a “Gold Garden” as a tribute to kids in Elgin County who have been affected by cancer. The “Gold Garden” idea originated in the UK and the idea is to plant owers, trees and shrubs that will bloom in September which is Childhood Cancer month. Your Outsourced Investment Governance Expert Inquire about our proven expertise in: ➢ Governance documents ➢ Portfolio assessments ➢ Money Manager assessments ➢ Complete Quarterly Monitoring Services Contact Jeffrey Hand at 905-336-1879 or info@bonnycastle.ca GIVING BACK

18WEST ELGIN MUTUAL The Longest Day of Golf organizing team would like thank our mutual family for the support they gave to our recent event. By sponsoring holes, donating grab bag goodies and prizes, buying 50:50 tickets and coming out to play, you helped us raise over $9,000 “Fore the Kids”.All proceeds will be used to provide kids in our communities with positive experiences not normally available to them.Over the last four years, we have contributed by paying fees for baseball and hockey, purchasing sports gear, paying for ballet and swimming lessons, supporting kids so they can attend summer camp, purchasing Christmas presents and donating to help with the purchase of a guide dog and adaptive bikes for two little boys.We are excited to be able to help kids even more this year!GIVING BACKCIBC WOOD GUNDYHINES INVESTMENTSCIBC Private Wealth Management consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. “CIBC Private Wealth Management” is a registered trademark of CIBC, used under license. “Wood Gundy” is a registered trademark of CIBC World Markets Inc. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor.A Bespoke Approach: Customized to define and align your investment objectivesUnbiased Objectivity: Dedicated research and monitoring on specialized asset class managersLocal Service, Global Reach: Access to top investment management firms from around the worldOversight: Ongoing due diligence, monitoring and risk management of Managers to ensure value addedResults: Long term performance with a competitive and transparent feeReferences: Long standing OMIA clients as referencesGerald Hines First Vice-President Senior Portfolio ManagerSheldon Hines Portfolio ManagerA PURPOSE DRIVEN, OBJECTIVE AND OUTCOME FOCUSED PARTNERSHIP844 887-4995 hinesinvestments@cibc.ca www.hinesinvestments.ca

August 202119jrivard@RivardInvestigations.comRivardInvestigations.com519-641-3140We have successfully conducted thousands of investigations in Southwestern Ontario on behalf of mutual insurers, national insurers, and independent adjusters. Each of our investigators has more than 25 years of surveillance experience in insurance investigations.SERVING ONTARIO MUTUALINSURERS FOR OVER 32 YEARSPUT OUR TEAM TO WORK FOR YOUGIVING BACKWe’re partnering with Farm & Food Care Ontario (FFCO) with a multi-year commitment to deliver critical training, industry support, and public education with the goal of building public trust in food and farming. As part of this funding, Heartland will sponsor over 75 registrations this fall for rst responders across the Waterloo Region to attend Farm & Food Care Livestock Emergency Response Workshops. These workshops have been designed to address the unique challenges involved in trafc accidents involving livestock trailers. Experience has shown that responders with livestock emergency training more condently respond to these situations in an organized and safe manner while minimizing the overall time on scene. This support demonstrates Heartland’s strong commitment to the agri-food industry that strives to meaningfully and proactively connect with non-farming audiences with the information that matters most.HEARTLAND FARM MUTUAL The annual Heartland Farm Mutual iHeart Community Fund is again in full swing, offering support and funding to causes that make a real difference in local communities across Ontario.Last year the iHeart Community Fund helped many local initiatives turn dreams into reality. In 2021, it aims to help even more. The iHeart Community Fund accepts applications from Heartland agents, brokers, and staff to fund local projects close to your heart that will make a positive change in the community.

20GIVING BACKTHE COMMONWELL Whether you’re a seasoned gardener or just starting out, The Commonwell Mutual Insurance Group’s SEEDit Program gives you and your community a chance to grow stronger. This innovative community program has a couple of main objectives. First, to help ease food security issues and second, to build gardening education, which will ultimately continue to combat food security and will have the benet of bringing communities together to do good. To spread the word (and the seeds!) far and wide, The Commonwell teamed up with local garden centres, offering more than 2,400 free vouchers for participants. SEEDit has sprouted into a vibrant community.“We’ve received hundreds of messages from the community saying how much they appreciate the chance to plant a garden this summer and to share their knowledge and expertise with others,” said Cassidy Allison, Marketing and Member Insights Specialist with The Commonwell. “SEEDit is inspiring families across the province to grow vegetable gardens and pay it forward to neighbours or local food security programs.”One garden centre in Lindsay gave away all their vouchers in a single day. Another garden centre has pledged to donate 1,500 lbs. of food to their local food bank. “We are excited about this program because the vouchers are seeding the start of a new way of caring for our community. The whole idea is to grow fresh produce for your family and share your harvest with your neighbours and local community organizations,” said Miki Paczek, Director Sales & Distribution.Whether it’s the single Mom who was thrilled to start her own vegetable garden for the rst time or the young boy who chose the SEEDit program as his passion project for grade 4, we’ve sprouted more than 800 members who have joined the Facebook community and are posting tips and sharing their expertise. Although all the vouchers are distributed, SEEDit is still welcoming you to join through the Facebook community. As part of the SEEDit Program, The Commonwell is also offering small grants to community gardens and local food security initiatives. Several grants have already been awarded. • Fenlon Falls Horticulture Society – Student Gardens • Community Development Centre Quinte – Community Gardens • The Table Community Food Centre – Allotment Gardens• Food To Share PEC• Privately Run Community Garden in Support of YWCA Peterborough Thank you to everyone who continues to participate with this program.

August 202121HEARTLAND FARM MUTUAL As a P&C insurer, our offering in the insurance marketplace involves not only providing automobile insurance, but also providing compensation and care for injured motorists who suffer spinal cord injuries due to automobile accidents. With car crashes accounting for almost half of all spinal cord injuries, Heartland Farm Mutual is pleased to announce a multi-year nancial commitment, in support of the Canadian Spinal Research Organization (CSRO) work in nding a cure for paralysis caused by spinal injuries.Heartland Farm Mutual is very pleased to present a $5,000 scholarship in the name of Oxford Mutual‘s late Board Chair, Pat Unger. We would like to congratulate the 2021 recipient, Andrea Dohner.CCoommmmiitttteedd ttoo tthhee MMuuttuuaall SSaalleess CChhaannnneellCCOOMMMMIITTTTEEDD TTOO BBRROOKKEERR MMAANNAAGGEEMMEENNTT SSYYSSTTEEMM CCOONNNNEECCTTIIVVIITTYY!! We’re pleased to confirm that we have been successfully working with CSIO and industry partners on an improved approach to linking Broker Management Systems to our Client’s Cognition+ Platform via the Cognition+ Insurance Gateway. The Cognition+ team will be providing an update and proposal during the month of August to our client community. The goal is to initiate this improvement in 2021 and into 2022 throughout our community. The ability to perform straight through processing on new business and provide Policy, Billing and Claims Inquiry to your sales channel for agents and brokers using BMS systems, is a key automation and efficiency required within the industry. This is another crucial piece of the OMNI-Channel approach required by our community as part of the ongoing Digital Transformation through the Cognition+ projects.If you would like to learn more about our products and services, please contact jperry@gocognition.com. TThhaannkk yyoouu!! GIVING BACK

GIVING BACK We were once again the proud title sponsor of the Umbrella Project Awards program These awards were created to recognize and celebrate students and educators who show us how to choose well being by actively strengthening their coping skills and bravely taking on challenges Awards Selection Committee members came from organizations like CMHA YouthTalk Jack org Moving EDGEucation and Recess Guardians There were 11 school boards represented six private schools participated and 58 of applications were from UP schools that run the curriculum The recipients received a portion of the 20 000 prize from Ontario Mutuals and well being support from the Umbrella Project We re pleased to share the following summaries and offer sincere congratulations to all recipients Category Grade 1 8 Beatriz St Bernadette Catholic Elementary School in Waterloo Catholic District School Board would like to donate a large portion of that to SickKids For many of her birthdays she had asked in lieu of presents to donate to a foundation or charity usually SickKids Beatriz was nominated by a teacher at her school who said Bia is a light that brightens the path of those around her Category Grade 9 12 Wali Port Credit Secondary School in Peel District School Board Bia s kindness is contagious and has made a ripple effect through the entire St Bernadette community Bia is the kind of individual that would reach out to whatever community that she is a part of and use her gifts learning and wisdom to motivate support and inspire others Avianna K W Bilingual School Avianna is the kind of person who consistently cares for others and often prays for love in the world Avianna regularly uses many Umbrella Skills in her life As her mom says She just takes things in stride and continues to shine light onto whomever she meets She truly is one of a kind Her teacher Kelsey says Avianna puts others before herself and is able to put herself in her peers shoes to see things from their perspective Avianna is a wonderful young lady with many amazing qualities Avianna said that if she received any monetary award she 22 Through the support of videos and a focus on well being Wali has come to understand that setbacks are a normal part of life and it is good to reflect both on the positives and negatives Wali says that he practices his kindness and mindfulness most often around other people as he believes that practices of kindness and empathy should be centered in everything we do Wali is a kind and empathetic volunteer who loves to learn and is wise beyond his years He will have a profound impact on the people around him as he continues to get older Avalon Bluevale Secondary School in Waterloo Region District School Board Avalon uses many of her life s experiences to learn about coping She realized through the process of music writing that she is strong and can approach obstacles with a better attitude then she used to Avalon also started Music for

August 202123GIVING BACKMental Health Canada to reach out to others who might be experiencing similar struggles. As she says, “I didn’t know much about helping others with mental health, so I started with what I knew, hoping to learn and grow with mastery, purpose and a growth mindset.”Category: EducatorSandra - JK teacher at Brown Junior Public School in the Toronto District School BoardSandra was nominated by Gordana, a parent of one of her students. Sandra is known for her genuine care of her students. As Gordana says, “Sandra puts ahead of herself the kids of Room 14 and their parents. She creates an environment for her students that allows them to ourish and strengthen their own unique skills regardless of whether they are the same or different from her own. She has the power to identify in her kids where they are strong and to encourage that power in them while also helping them to see the benet of working to build the other skills that might not be as strong.”Rhonda and Nancy - Laurelwood Public School in Waterloo Region District School Board These two recipients were nominated as a team, by Emma, a parent of one of their students. Together, this team models for all how important it is to focus on well-being. Here is a quote from Emma: “They provide guidance and encouragement for the students to use methods and strategies to help navigate through various situations. Examples range from mindfulness and meditation exercises including breathing, moving and yoga. Discussing and releasing emotions while providing gentle reassurances to come to a calmer state through wellness check-ins and “how are you doing?” notes. While I can only imagine what they are coping with in their own personal lives, they show up each day for their students prepared to embrace the challenges that unfold.”Category: School CommunityMillpond Academy in WoodstockMillpond Academy is a private school that was nominated for the community award by Julie, a staff member there. She wrote, “Millpond Academy is working to build a safe space where all of our students feel comfortable to make mistakes and continue to grow and learn. I’m so proud of how open and exible my students have been with the last minute changes from in-person learning to online learning and all of the back and forth of rules and expectations.”At Millpond, they will use the prize to focus on Mindfulness, building their well-being library and working with students to see the value not in just the outcome but in the journey as well. St. Peter Catholic Elementary School in Algonquin Lakeshore Catholic District School Board At St. Peter, they spend a lot of time working with the entire school community on the importance of being kind to yourself and not feeling guilty about it. There is a huge focus on the Umbrella Skills with the help of their Child and Youth Worker, Meaghan.Principal, Gloria, shared, “We feel we are well on our way to creating a generation of strong, highly motivated young people who work daily to build their umbrella skills.” Team Choice AwardElianna - Resurrection Catholic Secondary School in the Waterloo Catholic District School BoardEliana has demonstrated that she thinks critically about the meaning and purpose of her studies. Eliana consistently sets high goals for herself in her schoolwork and applies herself to all aspects of her course requirements. Elianna has learned to embrace challenges and works at developing her potential. Elianna has learned to set goals for herself and is actively building her credentials through the Specialist High Skills Major program.RhondaNancy

24GIVING BACKTRADITION MUTUAL Hannah Thomas is a 17 year old local artist. She started performing on her family dock on the Avon River last year to help brighten people’s spirits during the pandemic. She’s doing it again this year and Tradition Mutual is proud to be a sponsor of her dock concert series. She is an amazing young artist doing something incredible for her community!TRADITION MUTUAL We’re pleased to have been able to donate $100,000 towards the building of the West Perth Village. The new West Perth Village will be a seniors’ community that will be a blend of the Ritz Lutheran Villa and the Mitchell Nursing Home, all located in a country setting.The facility will aim to be a bright and spacious location lled with community and culture. It will be divided into four units, each with 32 beds, lounges, separate dining areas, and activity areas. Each of these four units will be designed to feel like its own neighbourhood.A long-term care facility should not feel like an institution; it should be full of care and compassion where the seniors feel included in the community that they are a part of (and helped shape). Tradition is honoured to be able to contribute to this project.

August 202125GIVING BACKHT&C MUTUAL We partnered with Jessica’s House and were the primary event sponsor for their Hike For Hospice on July 11th. This initiative helps raise critical funds and awareness for end-of-life palliative care in Huron County. In addition to being the event sponsor, we also entered a team in the Hike. The funds contributed to this event totaled just under $2,000. WEST WAWANOSH MUTUAL Meet Constable Wes Coast! With a donation from West Wawanosh Mutual, the Coalition for Huron Injury Prevention (CHIP) was able to bring to life their latest tool to proactively promote safe motor vehicle speeds in high pedestrian/cyclist areas. Constable Wes Coast is a life-size, two dimensional aluminum cut-out of a police ofcer holding a speed enforcement device. His job is to encourage drivers to slow down thus making a safer community for residents, pedestrians, cyclists and other motorists. Constable Wes Coast is free of charge to those who wish to have him report for duty in their community.Pictured L-R: Const. Jamie Stanley, CHIP Chair Alwyn Vanden Berg, Const. “Wes Coast” & WWMIC CEO/President, Cathie SimpsonSOUTH EASTHOPE MUTUAL Employee, Julie Durnan recently presented grocery gift cards to Deb Wagler of the Tavistock Assistance Program (TAP). The money for this donation was raised by our employees through their Dress Down for Charity program. TAP gives the grocery gift cards to those in need. Deb mentioned the gift cards are really appreciated at this time as it allows for contact-free help for clients. If you would like to support TAP, visit their website at tapisforyou.com for details.

26Trillium Mutual proudly announces a $20,000 donation to the Waypoint Centre for Mental Health Care to expand the Youth Mindfulness Program. The Waypoint Centre for Mental Health Care is the only stand-alone mental health hospital in Ontario located in Peneteguishene serving primarily rural communities. The hospital is helping youth through their free online Youth Mindfulness Program, which is an early intervention tool that helps guide youth (aged 12 – 25) along their mental health journey and struggles. Trillium Mutual’s donation of $20,000 will help expand access to the Mindfulness Program to additional communities across Ontario and provide care for 227 more youth. The funding will also make it possible for Waypoint to increase the number of healthcare providers and youth services trained to offer the program to provide ongoing, consistent help for youth in need now and into the future.Trillium’s ROOTS Community Fund is proud to support the Milverton Lions Club with $5,000 towards their fundraising efforts to redevelop the courtyard at Knollcrest Lodge into a safe, accessible, and welcoming place for residents to enjoy. The courtyard will be turned into a social space for residents providing a comforting and natural area for relaxation and recreational use.We are incredibly happy to announce $10,000 has been donated to the Thunder Bay Regional Health Sciences Foundation to support the expansion of their Cardiac Program. This project will help provide much needed care closer to home for those that need it immediately.The ROOTS Community Fund has donated $5,000 to oneROOF Youth Services to support the construction of a supportive housing unit and mental health hub. The new building will help address and eliminate youth homelessness in the Waterloo Region. This build will ensure that youth have a home that provides them with the stable foundation to make real changes in their lives.We are proud to announce that Belwood Lodge and Camp has received $5,000 through our ROOTS Community Fund for the construction of their new septic system. Belwood Lodge is an overnight camp for children, youth, and adults with intellectual and developmental disabilities. Started in 1946, Belwood normally serves close to 400 individuals each year from across southwestern Ontario, providing a joyful summer camp experience and critical respite care to families and caregivers. We are very happy to make this announcement in support of the North Perth Public Library. The ROOTS Fund has purchased an AED machine, which will be in the new addition of the Elma Logan Rec Complex in Monkton, Ont. This will be a welcomed addition to the library and will help provide a safe, easy tool to help anyone in need while using this community space.The Fund has also donated $5,000 towards the construction of a new bridge and ramp along the Milverton section of the Goderich to Guelph (G2G) Trail. The G2G trail is a natural conservation area that promotes health and well-being throughout rural Ontario. The new bridge and ramp will help ensure that the trail remains accessible to all those that wish to use it.TRILLIUM MUTUAL ROOTS COMMUNITY FUND GIVING BACK

August 202127RETIREMENTSHow long have you worked at OMIA?I’ve been at OMIA for a little over a year.What is your favourite part about your job? I love nding new and valuable ways to meet the needs of the mutual community. Whether that means creating scenarios, 3D models, animations, videos, or inductive learning experiences, I am always looking for ways to help our members get the most out of our on-demand courses. What has surprised you most about working at OMIA? I started working at OMIA during the pandemic. Everyone was already working from home and to this day I’ve only spent a few days here and there in the ofce. However, I was pleasantly surprised by how warm and welcoming everyone has been and how much I’ve learned about my co-workers even though all our meetings are virtual. I now know who I should invite the next time I watch a horror movie, whose home-cooked meals I should eat (and whose I should avoid), and who I should call if I’m ever trapped alone in the woods.How do you help Ontario Mutuals succeed?Most people want to participate in continuing education opportunities, but not everyone can adapt their schedule based on specic class dates and times. Additionally, not everyone can make it into the OMIA ofces to take a course. With on-demand eLearning, you can take a course anytime and anywhere. And, as our on-demand course catalogue continues to grow, members will have increasing opportunities to learn and develop their skills.What is one thing you wish our member companies knew about eLearning?eLearning is for everyone! You don’t need to be tech-savvy to try eLearning. You don’t need to be progressing through a certication program to try eLearning. And you don’t need to be a super star pupil to try eLearning. Everyone can (and should) give eLearning a try.What is one interesting fact about you that you would like to share? I’m half Icelandic and like most people with Icelandic heritage, I love to knit with the unique Icelandic wool called ‘lopi’. Outside of work I spend most of my free time knitting ‘lopapeysa’ (traditional Icelandic sweaters).Pascale Swanson - eLearning DeveloperPascale Swanson eLearning DeveloperMEET YOUR OMIA TEAM MEMBERS

28WESTMINSTER MUTUAL Congratulations to Paul Montgomery, Sales Agent for Westminster Mutual, who just celebrated his 30th Anniversary with our company. Paul is pictured with his wife, Sue, and his daughter Mae. Thank you for your sincere dedication, Paul!OMIA Congratulations to Paula Georgei who celebrated her 30th Anniversary with OMIA on June 4th.Paula works in the Administrative Services Department as our Accounts Receivable/Payable Processor, and has always brought a much appreciated light-hearted approach to her work day.Thanks for the many great years, Paula. Your fellow OMIA staff members look forward to many more laughs to come.ONTARIO MUTUALSMILESTONESCelebrating Achievements in the Mutual System

August 202129HEARTLAND FARM MUTUAL We’re pleased and very proud to congratulate two of our employees on their milestone anniversaries. Lori Lambert (left) is celebrating 40 years with Heartland, and Cheryl McLauchlan (right) is celebrating 45 years! Thank you both for your incredible contributions!MILESTONESMILESTONESUSBORNE & HIBBERT MUTUAL Usborne & Hibbert Mutual was established on June 28th, 1876 in the small hamlet of Farquhar, outside of Exeter. We are very proud to be a part of the South Huron community and the Ontario Mutuals community. To celebrate the 145th anniversary, the staff, agents, and directors met in small groups on the ofce patio for refreshments and gourmet cupcakes. It was a very enjoyable get-together since many of us had not met in person in well over a year.PARTNERSHIPSTEAMWORKBELFOR’s success with insurance and mutual clients is based on the evolution of our process to work with your model by creating a simple and accountable workflow for yourvirtual claim handling model.Belfor + utilizes a wide range of technology including DocuSketch, Matterport, Encircle, Hover, CoreLogic and Xactware to provide a seamless virtual experience.+LEADERS IN RESTORATION1-866-366-0493VIRTUAL CLAIMSMADE SIMPLEBelfor can provide a managed compliancesystem for all claims. This includesdetailed KPI's, accurate sales dataand regular reviews.+ Live Video Stream+ 3D Virtual Progress Walkthrough+ Remote Reinspectionwww.belfor.comVIRTUAL CLAIMSOLUTION+ National KPI Capture & Reporting

30KENT & ESSEX MUTUAL We’re pleased to announce that Monica Hurst, CIP, Senior Property Underwriter has successfully completed her CIP designation. Congratulations, Monica! NOVA MUTUAL We’re thrilled to announce that Blake Knebel, Business Analyst, with Nova Mutual has successfully obtained his FCIP designation. Blake’s dedication and out of the box thinking resulted in a brilliant capstone project that has the grit to evolve into an extraordinary opportunity for everyone involved. Congratulations Blake!TRILLIUM MUTUAL A huge congratulations from all of us at Trillium Mutual to our Board Chair, Ben Rier, who has successfully completed the OMIA Director Certication! Please join us in congratulating Ben on this incredible achievement!www.omia.com > Education > Certication ProgramsCongratulating Mutual Members on Their Professional DevelopmentsACCOMPLISHMENTS

August 202131Unearth Expert InsightsWhether you’re handling a kitchen fire, 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.cep-experts.caYOUR FORENSIC ENGINEERING ALLIESClear. Eective. Partners.150 King Street West, Suite 1710, P.O. Box 47Toronto, ON M5H 1J91-800-387-0859 | (416) 862-7755bcaldwell@caldwellsecurities.comwww.caldwellsecurities.comSUPPORT THE RENEWABLE FUELS INDUSTRY IN ONTARIOINTEGRATED GRAIN PROCESSORS CO-OPERATIVE INC. (“IGPC”) 7% DEBENTUREMATURING JULY 31, 2023 IS AVAILABLE FOR PURCHASE To request a 2020 IGPC Offering Statement, please contact:Brendan T.N. CaldwellDirector

32FARM MUTUAL RE We’re pleased to have been selected as one of Canada’s Greenest Employers of 2021. Mediacorp’s Greenest Employers is an editorial competition that recognizes employers that lead the nation in creating a culture of environmental awareness. Winning employers, selected by editors of Mediacorp’s Top 100 Employers, are evaluated using four main criteria: 1. Unique environmental initiatives or programs they have developed;2. Whether they have been successful in reducing their own environmental footprint; 3. Whether their employees are involved in these programs and contribute unique skills; and 4. Whether their environmental initiatives have become linked to the employer’s public identity, attracting new employees or customers.HOWICK MUTUAL Our staff participated in the June Spring Into Health Challenge with OMIA, Farm Mutual Re, and our fellow Ontario Mutuals. Between logging steps, participating in mind-body bonus activities, virtual stretch breaks and webinars, staff were very active throughout the four weeks. Pictured are a few staff members participating in the daily stretch break outdoors. Thank you Farm Mutual Re for initiating this opportunity!HT&C MUTUAL HT&C Mutual also participated in the Mutual Spring into Health Challenge, which was organized by the 9toThrive Wellness Team. In the spirit of keeping ourselves active and promoting physical and mental health, we had ve teams entered in the challenge. We wish to congratulate “The A-Team” made up of some of our directors, Laurie Bruvall, Bob Gauthier, Bill Gibson, John Coleman and Marlene Munn for their impressive 3rd place nish!t h e " a " t e a mHealthChallenge OTHER NEWS AND EVENTS

August 202133AALP CLASS 18 VISITS L&A MUTUAL The Advanced Agricultural Leadership Program (AALP) is an 18-month experiential executive leadership program for those who want to shape the future of the agriculture and food industry and make a positive difference in rural communities across Ontario. On July 7th, a group of AALP Class 18 participants got a glimpse into the community of Greater Napanee on a visit to L&A Mutual and their new and exciting building.The building stands proudly on the river’s edge. As you approach, it’s impossible to miss the distinctive hip roof and old silos. Once a co-op, and later a feed store, the venerable structure has been given new life as L&A Mutual prepares to take occupancy.L&A has a long history of celebrating and being involved in the community, a commitment that is clearly articulated in the restoration project with a focus on local stories and talent. A local artist is showcased in striking paintings on the silos, canvases across the ofce walls, and in a show stopping mural in the President’s ofce. Reclaimed bricks from the demolished Gibbard Furniture Factory were purchased for a donation to the local hospital, and repurposed into pillars on the main oor, simultaneously preserving a unique legacy of the community and reinvesting in it. Each carefully planned detail tells a story.The class was so thankful to be welcomed to tour this incredible homage to history and community.HOWICK MUTUAL In June 2021, our very own Emily Franken, Farm Underwriter, hosted a Virtual Dairy Goat Farm Field Trip in conjunction with Ag Scape and Farm & Food Care Ontario. Emily is a graduate from the University of Guelph and herd manager at her family farm Frankhaven Dairy Goats. Her family started the farm in 1999 with 23 milking goats which has expanded to 700. Emily’s main focus on the farm is caring for the young goats, known as ‘kids’ and improving the health of the herd.OTHER NEWSSILO MURAL DETAILS

34OTHER NEWSTHE COMMONWELL MUTUAL We’re pleased to have again been named as a Best Workplaces™ in Canada by Great Place to Work®, recognising companies that have a high-trust, high-performing workplace culture. The Commonwell ranked number 35 in the 2021 list of Best Workplaces™ in Canada with 100-999 employees. We were also recognised as a 2021 Best Workplaces™ for Women. We have been Great Place to Work certied since 2019 and in 2020, we achieved 2020 Best Workplaces™ in Financial Services & Insurance and Top Insurance Workplaces of 2020 (and the highest in the 100-499 employees category) by Insurance Business Canada magazine. The competition process is employee-driven and is based on the total score from condential employee survey results and an in-depth review of the organisational culture. “This is a great achievement and a real testament to the people we have on our team and the way they come together to support our Members and each other,” said Tim Shauf, President and CEO of The Commonwell Mutual Insurance Group. “Given the challenges of the past year I am proud of our whole team. They have enabled us to make this list again while adding recognition in other important categories. Everyone has been intentional in focusing our efforts on looking for opportunities to promote collaboration, wellness and inclusiveness - even while not being able to physically be together. Individually and collectively we can make a difference and have an impact. It’s a privilege to be part of this group who live out our tag line - Individuals. Together.”NORTH KENT MUTUAL We’re pleased to announce that Agent, John Podolinsky has opened a new ofce location in Strathroy. The Address of the ofce is 11 Metcalfe Street West, Unit 3. The ofce is open to the public, and all COVID-19 protocols are in place.John is looking forward to assisting new and existing customers alike.He will also be available at our Dresden location for his local customers.Please join us in congratulating John.Specializing in Subrogation focusMaximizeyour subrogation recoveries and free time for your sta to on more critical adjusting work.We oer aordable 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

August 202135TRILLIUM MUTUAL We participated in the viral sign wars that originated in southwest Virginia and took off further across Listowel and much of rural Ontario. Starting with the Speedy Glass in town, it quickly spread to the many other local business’ including DQ, Canadian Tire, A&W, Royal Canadian Legion and the North Perth Fire Department. The sign wars brought much laughter to the local community and helped spread a bit of joy during these tougher times. Bringing the local community together was the main goal and it denitely brought smiles to many of our faces. TRILLIUM MUTUAL Join us as we explore the world of Ag through the eyes of farmers, industry experts, and many other great guests while discussing topics and issues surrounding Ontario Agriculture. You can listen to The Back 40 on our website: the-back-40.castos.com or on Google Podcasts, Apple Podcasts, Spotify and YouTube.Recent episodes:• Farm Succession Planning with Elaine Froese, Farm Family Coach • Consumer Trust in The Food System with Crystal Mackay, Founder & CEO of Loft32OTHER NEWS

36OTHER NEWSOMIA MANAGERS CONFERENCEAlthough we’re missing our annual in-person events where we can enjoy the company of our mutual friends, we were pleased to run a successful online Managers Conference on the mornings of June 1st and 2nd.On Day 1, participants heard from the Data Strategy Committee on Peril Score, heard from a FSRA Resident’s Panel, and got an update from the Mutual Field Lab.Day 2 offered Roundtable Breakouts, sessions on ESG, Climate Governance, and Zero Carbon Footprints. Farm Mutual Re Claims updated us on a Legal Expenses Management Project, and we nished with several “quick hits” on general topics, including submitted questions from the oor. Thank you to everyone who participated. We sincerely look forward to seeing you all at the Kingbridge Centre for the conference next year.YOUNG BROKERS OMIA was pleased to facilitate, for the rst time, an Ontario Mutuals sponsorship at the online Young Brokers Conference this June 17th.We were one of ve Charity Challenge Sponsors. Participants were encouraged to engage in the online chat when they spotted certain words/phrases throughout the conference. The winners were given funds to put towards a charity of their choice. The popular conference focused on the most pressing issues brokers face today—dealing with the hard market, working in an online world and protecting mental health. It also featured an interactive keynote from Mike Leon, President of Brand Heroes, on developing a leadership brand that leverages storytelling to sell belief.With founding support provided by:FLOODSMARTCANADA.CA Helping Canadians Prepare For Floods Flooding is Canada’s most frequent and costly natural disaster. Partners for Action (P4A)works to improve flood resiliency in communities across Canada by offering floodpreparedness resources and advice to at-risk Canadians. You can help your communitylearn about its flood risk. Visit FloodSmartCanada.ca and uwaterloo.ca/partners-for-action to learn more.

August 202137OTHER NEWSBroker Succession … Planning for Your FutureSeptember 14, 2021, 10:00AM – 11:30AMSelling your brokerage can be one of the biggest business decisions that you will make. You have invested and dedicated years to successfully running your brokerage and you want to reap the benets of your hard work while ensuring that investment is protected long term.Collectivde Insurance Group Inc. is pleased to host a free workshop which will provide you with key information to consider personally and professionally before making that decision to know it’s the right one for you, your business, and your employees.In this session, we bring together expertise in the areas of legal, taxation and accounting, wealth management as well as walk you through our proven process so you know what to expect. This free workshop is recommended for all insurance brokers who are interested in succession planning or selling their brokerage. However, we welcome everyone to join for those who are curious about the process. We are seeking RIBO accreditation (1 Management hour) for this workshop.Contact info@collectivde.com for more information and registration details.

38FARM MUTUAL RE Please join Farm Mutual Re and the Reinsurance Department in congratulating Matt Spensieri on his retirement. Matt’s last day with Farm Mutual Re was July 5th. After a distinguished career, including Country Manager at Catlin Re Canada as well as Canadian Chief Agent for Gen Re, and SVP at Guy Carpenter, Matt joined the Reinsurance department of Farm Mutual Re in 2016. He brought to Farm Mutual Re his in-depth knowledge of reinsurance practices and assisted the Reinsurance department in growing the Broker Distribution Segment over his ve-year tenure. Matt looks forward to some travel adventures with his wife MaryKay and daughter Isabella and maybe even a few more rounds of golf. Farm Mutual Re and its Reinsurance team would like to thank Matt for his numerous contributions to the organization and for being a great example of our values over the past ve years. We wish Matt and his family all the very best and a joyful retirement.HOWARD MUTUAL After an eight-year career of continuous service with Howard Mutual, Rob Bednarowski retired on June 1st, 2021.Thank you for educating us on not just insurance needs but also great music, cultural foods and beverages, “football” aka soccer, and Jane’s baking!Thank you for all your years of loyal and dedicated service as an insurance agent at Howard Mutual! Although we will greatly miss you Rob, we wish you and Jane all the best in your well-earned retirement together. Congratulations!KENT & ESSEX MUTUAL After a very successful 38-year career at Kent & Essex Mutual, Carol Holmes, Insurance Services Manager, retired in June. Carol held many different positions during her career at K&E and was an extremely valuable member of our management team. Carol’s leadership helped Kent & Essex Mutual navigate through many of the changes we have had over the years. Her dedication and commitment will have a lasting impact on all who had the privilege to work with her. We wish Carol all the best in a very well deserved retirement. LAMBTON MUTUAL We would like to congratulate Cheryl Muxlow who has retired after working at Lambton Mutual for 26 years! Thorough and dependable, you would be hard-pressed to nd a more procient and experienced Auto Underwriter. Her quick wit and great sense of humour has meant many happy outbursts of laughter in the department throughout the years! Congratulations on your Retirement, Cheryl! RETIREMENTSCelebrating Those Who Have Helped Ontario Mutuals Thrive

August 202139RETIREMENTSMIDDLESEX MUTUAL Nancy Preston has been the dedicated and enthusiastic leader of Middlesex Mutual for over 18 years, serving as President & CEO. We said good-bye to Nancy on June 30th, 2021 during a virtual retirement party in her honour. We will miss Nancy’s energy and passion, but she leaves Middlesex Mutual in a very strong position for future success and we sincerely thank her for her leadership.Nancy is looking forward to spending more time with her family and will enjoy relaxing at her cottage. She will also continue to give back to the community and has been approved for a volunteer position on the Optimism Place board of directors. Please join us in wishing Nancy all the best as she begins her next exciting chapter.NORTH KENT MUTUAL We wish to announce that Kim MacDonald-Gilhuly, CFO retired from NKMi on June 21st, 2021.Kim has been with us since 2013 and has been a valuable member of the leadership team. She will be missed!Thank you. Kim for all your hard work for NKMi. We wish you all the very best in your retirement.OMIA Please join us in congratulating Carol Turkheim on her retirement, this August 2021.Carol joined the OMIA Insurance Services department as Administrative Assistant in September 2014. She has been a dedicated, hard-working and detail oriented asset to the team every day since then.Many of our member companies have been assisted by Carol through their interaction with our education events, both online and in person. She is the type of person who truly “keeps the wheels turning” in so many of our day-to-day activities. We wish you all the best in your retirement, Carol. NOVA MUTUAL Congratulations to Glenna Kunkel as she embarks on the next chapter of her story. Glenna has retired after a rewarding career as a Personal lines Underwriter. Over the years Glenna has been dedicated to her team, the brokers, and her work as an Underwriter. She is very excited to spend time with her family, especially her grandchildren. OMIA Please join us in congratulating Christine “Chris” Smith on her retirement this September 2021. Chris is the epitome of dedication, having recently celebrated her 41st anniversary with OMIA and Farm Mutual Re.Chris took a job at Farm Mutual Re (then FMRP) in January 1980 as a Systems Operator. She assisted RJ Slocki with setting up a new computer system – the HP250. In 1990, the statistics function moved to OMIA, with Chris as the Statistics Coordinator/Systems Administrator. In 2012, with a full team behind the system, she settled into the role of Statistics Coordinator.Chris has remained an integral part of the Statistics and Information Services Department. She is our champion liaison with IBC, CGI, and the mutual system vendors, and most importantly, she takes pride in sharing her rich knowledge about statistical reporting with new colleagues. Her inuence will certainly resonate for many years. Chris plans to spend as much time as possible visiting with her grandchildren and enjoying all the camping and cottaging this province has to offer. Chris, you (and your famous carrot cake!) will be missed at OMIA, but our board and staff wish you all the very best in your well-deserved retirement.

40OTHER NEWSUPCOMING EDUCATION EVENTSDATE & COURSESeptember 1 & 2 (PM) - Personal Lines Automobile Course Modules I and IISeptember 14 (PM) - Automobile Underwriting RoundtableSeptember 16 (AM) - Underwriting Managers Virtual GatheringSeptember 17 (AM) - Creating and Optimizing LinkedIn Proles (for Agents)September 21 (AM) - Sales & Business Development Managers Virtual MeetingSeptember 22 & 23, October 5 & 6 and November 3 (PM) - Sales Leadership ProgramSeptember 23 (AM) - Claims Managers/Adjusters RoundtableSeptember 28 & October 5 (AM) - The Power of Positive Emotion to Foster ResilienceSeptember 29 (AM) - Legislative Affairs RoundtableSeptember 29 (PM) - Legalized Cannabis - Three Years Later - A DebriefOctober 1 (AM) - Introduction to Selling - Becoming a High PerformerOctober 6 & 7 (AM) - Commercial Liability Coverage ReviewOctober 12 & 19 (AM) - Mindfulness at WorkSubject to change. Please refer to www.omia.com to review a current calendar of courses offered by OMIA. Click on “Education” and then “Education Calendar.”DATE & COURSEOctober 13 & 14 (AM) - Farm Liability Coverage ReviewOctober 15 (AM) - Insight Selling - Creating Value for Your CustomerOctober 19 (PM) - Automobile Underwriting RoundtableOctober 20 & 21 - Accident Benets Claims Handling WorkshopOctober 21 (AM) - Underwriting Managers Virtual GatheringOctober 26, November 2 & 9 (AM) - Discover Your StrengthsOctober 26 & 27 (PM) - Personal Liability Coverage ReviewOctober 28 - Accountants RoundtableOctober 29 (AM) - Mastering the Sales Conversation & Mastering the Sales OpportunityOctober 29, November 5, 12 & 19 (AM) - Management Program: Vitality at WorkOctober 29 - Understanding Your Thermal Imaging CameraNovember 2 - HR RoundtableNovember 10 (PM) - Residential Underwriting RoundtableNovember 16 (AM) - Sales & Business Development Managers Virtual MeetingDiscover Our Certication Programs at omia.com Education > Certication ProgramsFind Our On Demand eLearning at www.omiaelearning.com

August 202141Insurance PractitionersCertication ProgramMutual Service CerticateThe OMIA Education Committee has approved a revitalization of the Insurance Practitioners Certication. We plan to release nine certications to mutual employees in the near future:Prior Credit/EquivalenciesCompletion is already noted in our education database for those that have already completed Intro to Insurance, Intro to the Mutuals, and Ethics in Insurance.Credit will not be given for similar people-skills courses OMIA may have taught in the past.It’s always good to refresh people skills!This certicate is designed for anyone to take!Questions? Write to registrations@omia.comMutual Service Level I• Intro to Insurance*• Intro to the Mutuals*• Time Management*• Meetings – Participation• Problem Solving*• Communication Fundamentals• Dealing with Difcult People*• Ethics in InsuranceCourses for CompletionFind our on demand elearning at omiaelearning.com* available on demandUnderwriting3. Auto4. Residential5. Farm6. CommercialAdjusting7. Auto Accident Benets8. Auto Property Damage9. Property/Liability1. Mutual Service2. Sales AgentsCertication Courses To Be Released

42We’re pleased to announce Carolyn Rickman as our Administrative Lead. Starting her career path 16 years ago as a CSR, with the last ve years as an Executive Assistant, and a decade of knowledge about how the Mutual system works, Carolyn is no stranger to what it takes in an administrative role. Carolyn’s proven ability to lead, caring nature, strong work ethic and dedication to help her team members succeed makes her the right t for this role. Congratulations to Carolyn and to the Administrative Team at Howard!We’re happy to announce Rachel Vandecaveye as our Underwriting Lead. Rachel started her insurance journey in 2004 as a broker, and brought her knowledge of the insurance industry to Howard Mutual in July 2018 as an Intermediate Multi-Line Underwriter. Rachel’s determination to keep learning and apply her ndings by implementing new processes, building underwriting techniques, training, and mentoring her fellow underwriters made her the ideal candidate for our Lead position at Howard. Congratulations, Rachel!We’re pleased to announce Heather Simpson’s change of position to Administrative and Sales Support. Heather started at Howard in January 2018 as Ridgetown Receptionist, a naturally caring and empathetic person, Heather’s customer service is top notch!Staying up to date with customer service and insurance training, while working closely with our sales team, made Heather the ideal candidate for this position. Congratulations to Heather!POSITION CHANGES AT HOWARD MUTUALAPPOINTMENTS& POSITION CHANGESTransforming the Mutuals

August 202143APPOINTMENTSWe’re pleased to announce Marcy Mortier as our Executive Assistant.Marcy started at Howard Mutual in November of 2020 as an Administrative Assistant. A former legal assistant with over 20 years’ experience in a fast-paced ofce environment, meeting deadlines, and researching legal documents made Marcy the perfect t for this role. Congratulations, Marcy!We’re excited to announce our newest Agent, Krysta Walker. Krysta started at Howard in 2019 as Project Administrative Assistant. During her time working on special projects, Krysta’s insurance knowledge expanded. A compassionate and dedicated individual, Krysta knows how important it is to have the right coverage and knew she could pass the same understanding on to clients as an Agent. Congratulations, Krysta!We’re pleased to announce that Jessica Towsley’s role will change to Assistant to the Chief Operating Ofcer (COO). Jessica has proven herself to be an invaluable asset to the Howard Mutual team in an administrative role and will now be taking on the additional responsibilities required to assist the COO as well as continuing to provide IT support to all of the Howard Mutual team members as she has in the past Congratulations to Jessica!POSITION CHANGES AT HOWARD MUTUALWe’re pleased to announce that Mark Preston has been selected as Howard Mutual’s new Chief Operating Ofcer (COO). A recognized leader on the Howard Management team, Mark has proven his ability to ll a variety of roles effectively and we are looking forward to him transitioning to the COO role over the coming weeks.Mark commenced his 25 years of experience in the mutual system right here at Howard Mutual. Since then, Mark has fullled roles as Chief Technology Ofcer and as the President and CEO of a successful software company. Mark’s varied background and experience will assist him in meeting the demands of this new role with Howard Mutual.We believe that Mark’s skill in technology, his ability to actively listen while understanding the needs of his peers and his ability to hold himself and his team accountable will be integral to this role and will also be key in Howard Mutual’s plans for the future. Congratulations to Mark!

44APPOINTMENTSHALWELL MUTUAL Join us in congratulating Jason Cox on his promotion to Underwriting Manager. For nearly seven years, Jason has proven himself in his previous roles as Multi-Line Underwriter and Business Development Representative, and has demonstrated excellent leadership and communication skills along the way.HALWELL MUTUAL Join us in congratulating Elisabeth (Axiak) Mooney on her promotion to Communications & Engagement Lead. Elisabeth has grown the marketing and communications department from the ground up, starting as the Marketing & Communications Coordinator in 2016. Elisabeth looks forward to continuing to grow the role and department.HT&C MUTUAL We’re happy to announce that Melanie O’Shea has accepted the new role of Marketing Analyst. Melanie joined our heritage Hay Mutual company in August 2019. She has extensive marketing background and a Bachelor of Science in Agriculture degree from the University of Guelph. We’re excited to put those skills to work as we continue to develop and rebrand our newly amalgamated company. Working closely with the Business Development & Marketing Director, Melanie will also be the lead on corporate donations and community sponsorships, this comes as a natural t for Melanie as she volunteers with a number of local organizations. WEST ELGIN MUTUAL We would like to introduce you to our new Accounting team. Emily Brown (on the left) takes over the role of Senior Accountant (previously Jr.. Accountant) and Melanie Rose (our current Claims Administrator) will be moving to the Jr.. Accountant role. Congratulations, Em and Mel!HTM INSURANCE We’re pleased to announce the promotion of Lindsay Reinert from Renewal Analyst to Personal Lines Underwriter. Lindsay joined HTM back in April 2016 and has been in the Underwriting Administration and, most recently, Renewal Analyst positions. She will be responsible for underwriting risks for her suite of brokers/agents and building these relationships. Lindsay has committed herself to a fruitful underwriting career, attending various underwriting roundtables with OMIA, participating in the training of new team members and has started to pursue her CIP designation. Congratulations, Lindsay!OMIA can post your job opportunites to omia.com and ontariomutuals.ca! Write to marketing@omia.com

APPOINTMENTS MIDDLESEX MUTUAL The Board of Directors of Middlesex Mutual Insurance Co is delighted to announce the appointment of Colin George as our new President CEO beginning on May 31st 2021 Colin has extensive experience with over 25 years in the Insurance Industry He brings a background in Underwriting Claims Internal Audit and Enterprise Risk Management His most recent roles include Vice President Underwriting Claims and Vice President Internal Audit Chief Risk Officer with the Facility Association He has also served as the Vice President Academic Division on the Insurance Institute of Ontario Governing Council We are excited to see that Colin has jumped right into his role with Middlesex taking the time to meet each member of the team even with the challenges of the pandemic Colin embodies many of the important characteristics that makes Ontario Mutuals so unique in the insurance industry His wealth of knowledge and enthusiasm will be a great asset to Middlesex Mutual Please join us in welcoming Colin to the mutual family HEARTLAND FARM MUTUAL We re very pleased to announce that Gordon Murray FCIP has joined the company as Vice President and Chief Operating Officer Maritime Operations effective June 21st 2021 Gordon has 40 years of experience in the property casualty insurance industry and has held senior leadership positions with large insurers over this period With his extensive background in management and business development Gordon brings the right blend of experience and innovative ideas to the Nova Scotia marketplace and Heartland His primary mandate will be to materially grow the Nova Scotia operation with the introduction of automobile insurance alongside new efficient technology COLLECTIVFIDE We re very pleased to announce that Anita Caswell has joined the company as the Underwriting Manager effective June 1st 2021 Anita started her career in the insurance industry over 15 years ago Her most recent role was at Farm Mutual Re as a product analyst working on a variety of operational and tactical projects quoting fleet and garage auto and helping members find solutions with underwriting needs She brings a well rounded perspective to the Collectivfide team having worked closely with brokers carriers and within the mutual community In her role Anita will work in collaboration with both the Collectivfide team and our broker partners managers to define and implement best practices and tools to improve the profitability of the brokerages liaison with insurance carriers increase access to markets and develop consistent underwriting standards and reporting metrics August 2021 45

46LISA BOYLAN Middlesex Mutual is extremely saddened to announce the passing of Lisa Boylan on June 8th, 2021 after a courageous four year battle with cancer. Lisa was an integral part of the Middlesex Mutual team for over 24 years. She will be remembered as a kind and thoughtful lady who was always concerned about others and doing her very best. Lisa made a lasting impression on everyone she met and was an absolute pleasure to work with. She is survived by her husband, Todd, and children Emily and Josh – known as Hank. Our deepest sympathies are with Lisa’s family as we continue to keep them in our thoughts. BRUCE WITMERSo Long, NeighbourAt OMIA, when asked what mutuals are all about, we’ve been known to reply, “neighbour helping neighbour”.Since Farm Mutual Re and OMIA moved to Pinebush Road in 2009, we have been proud to share our stretch of Pinebush with Speedside Holsteins and Bruce Witmer. While Bruce didn’t help with insurance and we didn’t help much around the farm, we felt lucky to have Bruce and his herd as our neighbours. The pasture, pond, and red barn as a peaceful view from our front reception, reminding us of the many farms and farm families that we have insured for so many years.Bruce was a community pillar, with accomplishments too long to fully list right here, but among the highlights was being named Cambridge’s Citizen of the year in 2005 as well as a lifelong dedication to 4-H Club Leadership, Soil and Crop Improvement, and the promotion and improvement of the Holstein breed.We had an open house in 2016 when he dispersed the herd, and he shared just a few of his stories and experiences from “days gone by”. While the herd moved on, Bruce stayed on his neat little farm, south of the 401, right until the last, taking his leave on June 24th, 2021.The end of an era. So long Bruce, safe travels. IN MEMORIAMRemembering our Mutual Family Members

August 202147ANNE HARMEROn July 27th, 2021, the mutual community lost a long-time friend and colleague with the passing of Anne Harmer in her 87th year.Anne was born in Montreal but lived over 50 years in Ontario. In high school she was awarded the Governor General’s award for highest marks across Canada and the award was presented to her by the Governor General. One of the early stops in her career was teaching 6 grades in a one room school that was heated by a wood stove. Anne’s husband, the late Mac Harmer, connected with FMRP (now Farm Mutual Re) in the mid-70’s. He was the second employee there, but Anne followed shortly as Treasurer and later, VP of Finance/CFO. They loved their work and the mutual system, working together in a small ofce on Eagle Street in Cambridge. Anne achieved her FCIP quickly. She also attended the Canadian Insurance Accountants Association course in Trenton, where she became a tutor for other students; one of those other students being Mac. She laughed about that Mac’s room became the “social hub” for after only the second night and that he wasn’t “as successful” at that course as she was!Over the years at Farm Mutual Re Anne presented the nancial reports to the membership, participated in training sessions, and attended mutual organizations to assist when asked. For many people in the mutuals, especially directors, she had the unique ability to make reinsurance understandable. Among the early beneciaries of this was PEI Mutual, who after Anne’s presentation to the board, made the daring decision to become a member of Farm Mutual Re, and in doing so helped set the stage to greatly broaden the scope of mutual reinsurance in Canada.Anne retired from Farm Mutual Re when she was in her early 60’s and shortly after was asked to be on the Financial Review Committee, focused on solvency supervision of Ontario’s farm mutuals. She was on that committee into her mid-seventies and continued to attend conventions and make presentations. Anne had many keen interests outside of insurance and pursued them in a big way. She had her own kiln to do ceramics and had a computerized knitting machine. During her 60’s and 70’s she had a 27’ RV and later bought a pickup truck and pulled a 17’ trailer. She had a cottage on Buckhorn Lake and another on Davis Lake in Kinmount, both were central gathering spots for her family, which includes 5 children, 13 grandchildren and 7 great-grandchildren.Anne was honoured with OMIA’s Distinguished Service Award in 2004. Her love of the mutual system has inspired two more generations of Harmers to work in the mutuals with son Alec at HTM and granddaughter Victoria at Trillium Mutual.Anne made many contributions over her years to the mutuals and will be greatly missed.

Address: 350 Pinebush Road, Cambridge Ontario N1T 1Z6 (519) 622-9220 Fax: (519) 622-9227Mail: P.O. Box 3187 Cambridge ON N3H 4S6 www.omia.com And keep that news coming!Please send your news, photos, updates and more to marketing@omia.com. OM News can be read online at OMIA.com and sign-in is not necessary. Just visit www.omia.com and pick Ontario Mutuals Newsletter from the menu on the left of the page.READY TO GO GREEN? Please drop us an email if you’d prefer to read your OMNews online and help us save paper and ink. Email marketing@omia.com and we’ll be sure that your name is included on the email notication that goes out when a new issue is available.