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November 2019 O N T A R I O M U T U A L S The Mutuals Are Growing Meet some of the many new faces in the system pg 6 N E W S L E T T E R THE UMBRELLA PROJECT A MUTUAL UPDATE PG 24 A Snapshot of Mutual Giving pg 27

What a Year it s Been There s no slowing down our mutual community This year has been one of many more accomplishments mutual giving opportunities and camaraderie Every member company has been busy with community involvement sponsorships and new organizational developments November also marks the end of the fall farm show season which highlights Ontario Mutuals continued support for the agricultural community We re also happy to report that OMIA s annual Presidents Managers Meeting was a great success in Ottawa this October Here s to another year of mutual accomplishments 2

OM In this issue November 2019 50 FEATURES 24 THE UMBRELLA PROJECT 28 MILESTONES Welcoming New Faces to the Mutual System 29 EDUCATION CALENDAR GIVING BACK 30 LEARN MORE ABOUT OMIA 32 OTHER NEWS EVENTS 42 RETIREMENTS 43 APPOINTMENTS POSITION CHANGES 4 A MESSAGE FROM OMIA S CHAIR 6 NEW TEAM MEMBERS 10 2019 President s Manager s Meeting Bob Burley How Mutual Companies are Supporting Their Communities 24 An Update From An Important Program Celebrating Achievements OMIA Education at a glance Meet Jackie Roy Compliance Resource Officer More Mutual News 49 Ontario Mutuals at the IPM Celebrating Those Who Have Helped Ontario Mutuals Thrive Transforming the Mutuals 47 THE IBAO CONVENTION 48 ONTARIO MUTUALS AT THE FALL FARM SHOWS 50 OMIA S PRESIDENT S MANAGER S MEETING Reaching Our Broker Partners Recognizing Our Agricultural Roots We re In This Together

A Message from OMIA s Chair Bob Burley It s been my honor to represent OMIA this summer and fall at events in both Canada and the United States Keeping all the balls in the air has been challenging but the rewards outnumbered the challenges The faces of mutual leadership are changing I and many others in the mutual family attended a party for Steve Smith as he retired as President of Farm Mutual Re We wish him many more hunting days ahead I have also had the pleasure to get to know Farm Mutual Re s new President and CEO J P Gagnon The retirement trend continues with the impending departure of CAMIC s Normand Lafreniere and NAMIC s Chuck Chamness The events of the OMIA P M in Ottawa are still fresh in my mind I hope all that attended had an enjoyable two days and had an opportunity to connect with both old and new acquaintances Our speakers this year challenged us made us laugh and hopefully left us with something to apply to our personal and business lives The statement that we heard from our reinsurers that One dollar of rate is better than one dollar of new business still rings in my ears Policyholders People Pro t By the time you read this I will have spent time with some of you at the group A B C D annual meetings This also means the 2019 year is drawing to a close As I grow older the speed of every passing 365 days seems to increase As we head into the holiday season my wish is that you spend time with those that are important to you and reflect on how lucky we are to live in this country we call Canada 4 Yours in Mutuality Bob Burley HTM Insurance Company

London Farm Show March 4 6 London ON The London Farm Show is the largest spring farm show in eastern Canada featuring over 320 exhibitors in 230 000 square feet of show space showcasing the newest in agricultural technology Located in the BMO Centre at the Western Fairgrounds Ontario Mutuals will have a 20 foot booth available for members to be ambassadors of mutuality work the prize wheel and hand out giveaways Ottawa Valley Seed Growers Farm Show March 17 19 Ottawa ON The Ottawa Valley Farm Show is a dynamic innovative show that draws exhibitors and visitors from across Ontario The show facilitates sharing information provides networking opportunities and helps build community Located in the EY Centre participants at our booth will meet and greet visitors and share the Ontario Mutuals story Ontario Mutuals will also have exclusive naming rights of Hall A the largest and most visited hall at the event More information about participation to come in early 2020 2020 OMIA Annual Convention March 25 27 Sheraton Centre Toronto As always the Annual Convention will feature thought provoking speakers and the opportunity to network with other mutuals More information to follow in the new year Questions Concerns Please e mail marketing omia com 2020 Annual Golf Tournament June 17 2020 Copetown Woods Golf Club Opened in June of 2003 Copetown Woods Golf Club represents not only one of the newest championship courses in south western Ontario but also one of the finest It is consistently ranked among the top golfing values in all of Ontario Don t miss out this year is bound to sell out quickly Member invites will be emailed in the first week of April and to partners providing there is room after members have had a chance to register November 2019 5

NEW TEAM MEMBERS Welcoming New Faces to the Mutual System WEST WAWANOSH MUTUAL We re excited to welcome Kelly Connelly to the our team Kelly has worked in the insurance industry for 31 years on the brokerage side and has had her RIBO license since 1990 She graduated from Conestoga College with a diploma in Business Administration and also has her CIP and CAIB designations Kelly started as a personal lines CSR then moved into farm and commercial lines as a CSR Marketer for the last 15 years She lives in Goderich with her husband and 3 children Kelly is excited to join West Wawanosh and learn the company side of the industry as an underwriter WEST WAWANOSH MUTUAL Welcome to Krystal Younglao who joined us in January Krystal held various positions in accounting after graduating from Georgian College in 2016 where she studied Accounting Krystal is looking forward to growing and learning more about the insurance industry as our Document Management Coordinator Accounts Receivable Clerk NOVA MUTUAL We d like to welcome Trent Byleveld to our Agency Team Trent is a graduate of the Mohawk College Insurance Program and has already obtained his CIP designation Trent aspired to become part of the mutual family and he is delighted to be working with us at Nova Mutual Trent will focus on building relationships with new and existing policyholders and promoting Nova Mutual through community support activities 6 WEST WAWANOSH MUTUAL Welcome also to Krista Sanderson who joined our team in the role of Claims Administration in May She comes to us from Heartland Farm Mutual where she had worked since 2015 Krista studied Accounting at Algonquin College and completed her GIE designation in 2017 DUMFRIES MUTUAL We re thrilled that Christina George joined our agents team in August Originally from England she made Canada her home over 20 years ago Christina grew her financial expertise as a stockbroker for 11 years before transitioning into the insurance industry As an Associate for another Agent at Dumfries for five years she provided policyholders with exceptional service Now an Agent herself Christina s passionate about helping to bring peace of mind to policyholders FARM MUTUAL RE Renee Kraft joined the Product Services team in the role of Commercial P C Underwriting Specialist on October 15th Renee has an Honours Bachelor of Arts degree in Communications and Political Science and also has her FCIP and CRM designations Renee comes to Farm Mutual Re with over 15 years of underwriting experience and has previously worked as a Commercial Underwriter and Supervisor at The Economical Insurance Group Director of Underwriting at Max Canada and most recently as a Commercial Underwriting Manager at Heartland Farm Mutual Insurance Company

NEW TEAM MEMBERS HALWELL MUTUAL Kelly Farfaras has started with us as an Intermediate Accountant Kelly holds a CPA designation and has a diverse accounting background holding varying positions of accountability We look forward to utilizing her skills and knowledge in this role Please join us in welcoming Kelly HALWELL MUTUAL Simon Laughlin has joined the Halwell Mutual team as our Underwriting Assistant Simon was born and raised here in Guelph and attended the University of Guelph where he recently graduated with a BA in history and certificate in business Please join us in welcoming Simon HALWELL MUTUAL Jane McNichol has joined us as a Senior Commercial Underwriter She has worked in the various segments of the commercial insurance industry for many years and has held a number of roles in the field Jane holds a Bachelor of Commerce degree from the University of Ottawa and has her Chartered Insurance Professional CIP and Canadian Risk Management CRM designations Please join us in welcoming Jane HAY MUTUAL Lisa McGregor joined our staff as an Inside Sales Agent She has five years of experience in business development and inside sales which will add to her success as she begins her insurance career Lisa is looking forward to implementing her customer skills in developing great relationships with both current and new policyholders HALWELL MUTUAL Eric Nagy has joined us as an Intermediate Underwriter Eric is an insurance professional with 10 years experience Eric holds a Bachelor of Commerce degree from the University of Ontario Institute of Technology a Business Insurance diploma from Conestoga College and has his Chartered Insurance Professional CIP and Canadian Risk Management CRM designations Welcome Eric HAY MUTUAL Brett Blake has joined our team as an Agent In addition to his Business Insurance degree from Fanshawe College Brett comes to us with five years of Underwriting experience three of those years as part of the farm mutual industry Brett s dedication to personal service will serve our policyholders well and we look forward to having him support our common sense business approach HAY MUTUAL Melanie Curtis joined our staff in the Office Manager position Although insurance is a new career for her she is no stranger to the mutual industry having worked in marketing with a number of mutuals as well as Farm Mutual Re in the launch of their new brand With a Bachelor of Science degree in Agriculture and over 10 years of marketing experience we are looking forward to applying Melanie s skill set to our team KENT ESSEX MUTUAL Welcome to Patti Melhuish who joined our team as Intermediate Auto Underwriter this year Patti brings over nine years of experience in the insurance industry and we look forward to benefiting from her knowledge NORTH KENT MUTUAL We welcomed Donna Jo Laprise to the Underwriting team on July 29th Donna Jo has been a broker for the past 10 years and has a vast knowledge of the insurance industry which she will bring to her role at North Kent November 2019 7

NEW TEAM MEMBERS HOWARD MUTUAL IS PLEASED TO WELCOME THE FOLLOWING PEOPLE TO OUR TEAM Coreen Duquette joined our sales team as Sales and Marketing Assistant Coreen brings over 15 years experience in sales and is excited to join our team In Coreen s spare time you will find her teaching yoga heading out for a jog and enjoying family time with her daughter spouse two cats and her dog Welcome aboard Coreen Krysta Walker joined our team as Project Administrative Assistant With her past experience and helpful personality she was a perfect fit for this role Krysta enjoys playing hockey baseball renovating houses and baking along with being a busy mom to two beautiful children Krysta has been a great addition to our team and we are excited to have her on board Vanessa Sloan Shelby Ennett joined our team is our new in August as Customer Service a Multi Line Representative Underwriter working out of She brings the Ridgetown over 8 years of office She experience in comes to us with the insurance industry and is currently extensive customer service experience working towards completing her CIP from many different industries designation Vanessa grew up locally including insurance She also owns in Chatham Ontario and resides on a and operates her own art studio small farm with her husband and their where she teaches art to people of all dog Welcome to the team Vanessa ages Shelby is a self starter and her drive determination and ability to help people makes her a perfect fit for Mallory Long Howard has joined our Underwriting Dana McKinlay Department has joined our She comes to us Underwriting with 12 years of Department administrative She has 30 years experience She of underwriting was born and raised locally and in her experience the free time she enjoys the outdoors and last 12 of which swimming with her husband and three were in a brokerage Dana enjoys time year old daughter Welcome to the with her family and hobbies like crafts team Mallory and bingo with her mom Welcome to USBORNE HIBBERT MUTUAL We are very pleased to welcome Gracie Grimminck to Usborne Hibbert Mutual Gracie is a grade 12 student at South Huron District High School and is doing a co op placement with us She will be helping the agents with administrative tasks as well as reception relief Welcome Gracie 8 the team Dana HTM INSURANCE We would like to welcome Jocelyn Percy who joined the HTM team in September She will be taking on the role of Junior Underwriter With her knowledge and educational background we believe she will be an excellent addition to our company

TOWN COUNTRY MUTUAL Julian K Ghloum recently accepted the newly created position of Business Operations Analyst Julian obtained his Bachelor and Master of Science degrees at McMaster University and developed his research and analytical skills in academia before obtaining his Graduate Certificate in the Insurance and Risk Management program at Fanshawe College His initial insurance work experience was in commercial underwriting with a national carrier TOWN COUNTRY MUTUAL Lee Jensen is a new Junior Underwriter in the Commercial Farm Underwriting department As a graduate of the Business Insurance program at Fanshawe College Lee spent almost two years in personal lines underwriting with another insurer before joining T C TOWN COUNTRY MUTUAL Cherie Seys joined our sales department as Member Support Champion in September Cherie brings 15 years of experience as a licensed insurance advisor to this role with most of that time being spent with a national direct writer MIDDLESEX MUTUAL Please join us in welcoming Tara Knight who joined us August 26th in the role of Underwriting Manager to complete our Management Team She brings 15 years of experience in the insurance industry with a primary focus on commercial underwriting Tara s extensive knowledge and enthusiasm will be a great asset to Middlesex Mutual Different by Design As Canada s fifth largest professional services firm with dedicated financial services professionals in both rural and urban communities across Ontario MNP has you covered We work and live where you do know your policyholders and what drives them and help you support them with accounting and investigative expertise plus strategies that get results Contact Jas Chahal CPA CA at 289 293 2371 or jas chahal mnp ca November 2019 9

ONTARIO MUTUALS GIVE BACK How Mutual Companies are Supporting their Communities LAMBTON MUTUAL We take great pride in being an active contributor to our community In keeping with this commitment to community we have increased the number of scholarships we award each year to five These will be awarded to high school students who are sons daughters of existing policyholders of Lambton Mutual The five deserving recipients of 2019 are Emma Darrach Hannah McInnis Emily Vanos Charlie McAllister and Reagn Moffatt Each has been awarded 1 000 toward their post secondary education Pictured L to R President CEO Deb Van Eyk four recipients Emma Darrach Hannah McInnis Emily Vanos Reagan Moffatt and Board Chair Ross Smith CTM INSURANCE CTM is a longtime supporter of Norfolk General Hospital and this year we donated 16 000 to their Year of the CAT 2 0 initiative to provide a new CT scan machine as the current machine at NGH will be obsolete come the end of the year This donation took our total donation for a new CT scanner up to 80 000 HAY MUTUAL In memory of John Consitt a bursary has been created to support local high school students who exemplify the same qualities John carried throughout his life These qualities include a strong work ethic conscientiousness honesty respectfulness and neatness of appearance Hay Mutual was pleased to recognize four winners graduating from local high schools in honour of our former manager of 43 years Each recipient received 500 to support their future in post secondary education Congratulations to Jacob Esch of St Anne s Catholic School Jake Faber of CHSS Miranda Millian of GDCI and Meagan Taylor of South Huron We wish these young leaders much success in their next chapters 10

GIVING BACK WEST ELGIN MUTUAL Staff and directors at West Elgin Mutual along with members of our communities recently contributed to a One Can Two Can WE Can You Can food drive to support our local food banks at Thanksgiving ERIE MUTUAL We were happy to host our annual Golf Tournament and Food Drive on September 5th at Freedom Oaks Golf Course in Dunnville We enjoyed the company of directors and staff of BCM Insurance Nova Mutual CTM Insurance and Cayuga Mutual The weather was excellent the fresh Lake Erie perch supper was superb the fellowship enjoyed by all was priceless and approximately 500 pounds of non perishable goods was delivered to the Dunnville Salvation Army Food Bank Thank you to all who participated LAMBTON MUTUAL In July Lambton Mutual and local Forest Agent Ravell Insurance Inc made a 25 000 contribution to the Kineto 2020 Campaign This project will provide a face lift for one of the oldest continuously operating movie theatres in the world Est 1917 Forest Kiwanians aims to improve and enhance this special heritage facility for the benefit of the entire community Pictured From L to R Lambton Mutual Agent Kristy Ravell Board Chair Ross Smith Lambton Mutual Agent Chris Ravell President and CEO Deb Van Eyk Kiwani s Forest members Karen Stinchcombe Glen Starkey and Rick Stinchcombe November 2019 11

November 2019 O N T A R I O M U T U A L S The Mutuals Are Growing Meet some of the many new faces in the system pg 6 N E W S L E T T E R THE UMBRELLA PROJECT A MUTUAL UPDATE PG 24 A Snapshot of Mutual Giving pg 27

GIVING BACK BCM INSURANCE We ve pledged to give more than 110 000 to local organizations COMMUNITY GRANTS PROGRAM RECIPIENTS The Hope Centre Two year sponsorship of their Walk of Hope 10 000 Autism Ontario Niagara Chapter Equipment for a new sensory room in Welland 10 000 Food4Kids Niagara Gala support 7 500 Group photo of the seven organizations receiving a total of 110 000 from the BCM Community Program Niagara Safety Village New roof at the Safety Village 50 000 Earlier this year BCM launched our Community Grants Program with a commitment in excess of 200 000 Our goal through this program is to strengthen the capacity of local non profit organizations to continue to do their great work in serving Niagara s communities Project Share Sponsorship of Good News Breakfast 10 000 At a community celebration held on August 30th board member Angela Arsenio announced the seven recipients of more than 110 000 in grants She stated BCM Insurance has served Niagara for more than 140 years Our grants to these organizations demonstrate our commitment to and support of the great work that they are doing across the region South Niagara Rowing Club New rowing shell 12 000 Wainfleet Agricultural Society New stage 13 441 Each of the grant recipients shared their story of how the grant will impact their work in the community HALWELL MUTUAL Continuing our large contribution to Habitat for Humanity s Cityview Project in Guelph on phase three now staff participated in a number of build days When complete over 30 individuals and families in need will be given affordable housing To learn more visit habitatwdg ca cityview village HALWELL MUTUAL We partnered with Colley Insurance for Heart Stroke s Big Bike Ride Over 5 000 was raised for a great cause November 2019 13

GIVING BACK AYR FARMERS MUTUAL October was Breast Cancer Awareness Month and Ayr Farmers Mutual held a Wear Pink to Work day on October 10th Staff were encouraged to wear pink and make a 5 donation At the end of the day 750 was raised and donated to the Cambridge Memorial Hospital in support of Oncology Cancer Care TOWN COUNTRY MUTUAL We were also happy to support the CIP Southwest Chapter and Strathroy Chamber Golf tournaments NORTH KENT MUTUAL The staff at North Kent Mutual also took part in breast cancer awareness month and wore pink to fund raise for the cure SABS Claims Li ga on Randy Eric Heather and Christine had an awesome day winning the tournament with a 12 under par score at the CIP event While Jeff Laurie Pat and Curtis had an enjoyable day which included Laurie and Jeff winning individual prizes due to their great golf skills or maybe great luck Commercial Claims Economic Loss Claims Jessy Hawley CPA CGA CFF CIP Gary Phelps CPA CMA CFF CFE advisoryservices davismar ndale com 1 800 668 2167 INDEPENDENT MEMBER FIRM

GIVING BACK AYR FARMERS MUTUAL Our staff and agents recently completed an annual Road Side Clean up of Northumberland Street in Ayr Several years ago the company adopted a 5km stretch of the street directly in front of our office This year s clean up produced 10 garbage bags full of waste either thrown out of people s car windows or carried by the wind MIDDLESEX MUTUAL This year s annual Terry Fox run in Ilderton was co hosted by Middlesex Mutual Agent Tara McKenzie and small business owner Cheryl Pattyn of Positive Image Fitness We had a great turnout on September 15th with over 100 registered participants running walking and rolling for a truly great cause This year our small town of Ilderton was able to raise over 10 900 towards cancer research GRENVILLE MUTUAL The entire team from Grenville Mutual was out in full force to help keep Ferguson Forest clean for everyone to enjoy We recently became a community sponsor of the Municipality of North Grenville Adopt a Park Trail program at The Ferguson Forest Center a system of recreational trails totalling more than 20 kilometers in the heart of Kemptville The employees volunteer hours to help maintain the aesthetic and environmental beauty of the wooded trails system something that Grenville Mutual is committed to supporting On this day the team collected 14 bags of garbage from the trails and parking areas KENT ESSEX MUTUAL We donated 7 000 to the Hogs For Hospice 2019 event which raises money for the Erie Shores Health Foundation November 2019 15

GIVING BACK ONTARIO MUTUALS Two students and one 4 H Ontario staff member were sponsored to attend the Advancing Women in Agriculture Conference in Niagara Falls October 27th to 29th 4 H s Laura Goulding was glad to have the opportunity to connect with other women in the Ag industry but also hear from inspiring speakers and take part in a variety of workshops LAMBTON MUTUAL Small acts when multiplied by millions of people can transform the world Howard Zinn Lambton Mutual visited the Miracle Max s Minions sunflower fields as a group in September to show our support for the Rombouts family who lost their young son Max to cancer this summer For many of us who work at Lambton Mutual cancer is something very real and personal and we were happy to make personal donations to cancer research The Rombouts family are also our valued policyholders Thank you Miracle Max s Minions for sharing your beautiful field of sunflowers with us and Lambton County 16 Agricultural students Emily Bouvier and Raylene Doncaster were greeted by Grenville Mutual s Jennifer Waldroff at the Student Sponsor Luncheon Pictured Emily Jennifer and Raylene

GIVING BACK KENT ESSEX MUTUAL We re happy to share that we have pledged 100 000 toward the new Ontario Sustainable Crop Research Centre at the University of Guelph s Ridgetown campus The proposed new research centre will focus on sustainable cropping priorities for Ontario producers and will feature state of the art research suites laboratories seed storage units and research offices When complete it will also be a learning centre for agricultural students in diploma master s or PhD programs NORTH KENT MUTUAL North Kent Mutual staff raised over 400 for Terry Fox Run at their Positivity Day BBQ ONTARIO MUTUALS The Fire Fighters Association of Ontario FFAO plays a leading role on provincial committees dealing with equipment standards occupational health and safety firefighter training and government legislation They offer a united voice for all firefighters across Ontario We were happy to offer sponsorship support to the FFAO and their 2019 AGM held in August They were celebrating their 120th anniversary and Ontario Mutuals contributed to their hospitality night which included food fun and live music HOWICK MUTUAL We take great pride in supporting local events and we re a proud supporter of TeeswaterCulross Old Boys Girls Reunion Not only were we an event supporter golf tournament hole sponsor and participant in the parade but we had three staff members volunteer and participate throughout the weekend Congratulations to the organizers and volunteers on a successful weekend November 2019 17

GIVING BACK MMI INSURANCE Our first annual charity golf tournament was in Edmonton this year MMI was pleased to donate 10 000 to the Edmonton Mennonite Guest Home which provides short term lodging for individuals in outpatient treatment or for families of patients being treated in nearby facilities Guests in the home come from all over the world TRILLIUM MUTUAL The ROOTS Community Fund is pleased to support the The Bruce Trail Conservancy BTC in the amount of 2 000 Funding has been put towards the construction of the new foot bridge on the Bruce Trail The BTC works to secure a permanently protected natural corridor of land along the Niagara Escarpment a corridor within which it strives to create and maintain the Bruce Trail a safe and well maintained continuous footpath available for everyone The ROOTS Community Fund is also pleased to announce financial support in the amount of 2 500 to the Beaver Valley Outreach a charitable community based organization making good things happen The funding provided has been put towards capital upgrades to a new facility for the organization WEST ELGIN MUTUAL At their September meeting the West Elgin board approved a donation to the West Lorne and Community Horticultural Society for their Centennial Garden The garden has been built in West Lorne and commemorates the Society s 100th birthday in 2020 18

GIVING BACK W MUTUAL The Dresden Splash Pad got a recent boost from North Kent Mutual with a donation of 5 000 Pictured L R Tom McGregor NKMi Chairman Henry Miller NKMi CEO President Patti Irwin Jessica Doom and Brad Tuckwell of Dresden Splash Pad committee TRILLIUM MUTUAL Corey Hayter and Robin Kellow pictured top used their volunteer day on the course at the Juvenile Diabetes Research Foundation fundraising golf tournament at Indian Wells Golf Club in Burlington Paula Krystal Julie Sam Joe Kendra Bettina and April volunteered at the Ronald McDonald House Charities Southwestern Ontario preparing dinner for all of the guests Your Outsourced Investment Governance Expert TOWN COUNTRY MUTUAL On October 4th and 7th our underwriting and accounting team members split into two groups and enjoyed the early Fall weather by picking apples at Twin Pines Orchards for the Strathroy Food Bank For investment related projects such as Governance documents review creation Portfolio assessments review advise Money Managers review compare advise Complete Quarterly Monitoring Services Contact Jeffrey Hand at 905 336 1879 or info bonnycastle ca November 2019 19

GIVING BACK NORTH KENT MUTUAL We were a proud sponsor of the 2019 Rum Runners Gala held by United Way of Chatham Kent Gentry Manor and Ford McIntyre Menswear The charity event was themed around the 1920 s and included antique vehicles and planes 200 People enjoyed a fashion show 1920 s band DJ and a wonderful dinner Money raised totaled over 40 000 FARM MUTUAL RE OMIA Over the course of the summer our Green Team tended to the Farm Mutual Re and OMIA Community Garden in teams Eight donations were made totaling 201 pounds of fresh organic produce like tomatoes cucumbers zucchini and onions These went to the local food bank That s an average of one donation per week Thank you to all who participated in the Community Garden this summer WEST ELGIN MUTUAL Our board recently approved a donation to the Wallacetown Agricultural Society for their Ellis Sifton Pavilion Project The pavilion is being built in memory of Lance Sergeant Ellis Sifton who was born locally in Wallacetown Lance Sergeant Sifton fought in WW1 in the 18th Battalion He was posthumously awarded the Victoria Cross after he single handedly charged an enemy trench killing the crew and holding off the enemy until his men gained the position He was killed during this gallant act 20

GIVING BACK TOWN COUNTRY MUTUAL Donna McPhail has represented T C at the Brooke Alvinston Watford Fall Fair Pie Auction for several years Her participation is an excellent example of community involvement and support This year a record breaking total of 34 525 was raised all from the sale of home baked pies Children s Health Foundation of London received 100 of the proceeds Lexie holding the cheque was a premature baby only weighing 500 grams when she was born Thanks to the great people at Children s she is now a healthy 7 year old playing hockey doing well in school and enjoying life FARM MUTUAL RE OMIA Another successful Adopt A Road event was held on September 27th Farm Mutual Re and OMIA employees on the Green Team collected about 30 pounds of garbage on their stretch of road The Green Team would like to thank all employees who came out to participate C I B C WO O D G U N DY HINES INVESTMENTS 844 887 4995 Email hinesinvestments cibc ca www hinesinvestments ca Gerald Hines First Vice President Senior Portfolio Manager Sheldon Hines Portfolio Manager Cornerstone of Good Governance Disciplined Sell process that protects capital Risk Management Defined process to assess manage and constantly review portfolio risk Transparent Complete disclosure of fees and all transactions Know What you Own Client owns each holding portfolio held in client name Oversight CIBC oversight committee adds another layer of client protection ensuring Investment Policy Statement IPS adherence Results Long term performance with a competitive and transparent fee CIBC 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 November 2019 21

GIVING BACK ONTARIO MUTUALS 4 H ONTARIO Go For The Gold GFTG is an opportunity for 4 H members to increase their knowledge of 4 H project materials agriculture food community events and much more in a team atmosphere There are 4 H Association and Regional competitions however the fun doesn t stop there Six regional champion GFTG teams compete for the Provincial GFTG Champion at the Royal Agricultural Winter Fair in November OMIA is happy to sponsor this exciting competition on behalf of Ontario Mutuals OMIA Chair Bob Burley was welcomed at the Royal Winter Fair by Sudbury Region s spirited Go for the Gold team sporting their Ontario Mutuals hats from the International Plowing Match earlier this fall in Verner Ontario LEARN MORE ABOUT G O F O R T H E G O L D AT W W W 4 H O N TA R I O C A C O N G R AT U L AT I O N S T O THE GO FOR THE GOLD PROVINCIAL CHAMPIONS DURHAM EAST 22

those stakeholders to better understand their needs Steve Smith officially retired from his role as CEO on August 31st and colleagues and business associates came out in droves to wish him well at his Retirement Open House FARM MUTUAL RE On September 1st there was a changing of the guard at Farm Mutual Re as Jean Pierre JP Gagnon officially stepped into the role of President and CEO I am proud to lead Farm Mutual Re into its next chapter during this pivotal time of unprecedented change in the insurance industry Our agility will ensure we can adapt while we will remain steadfast to our core values We are passionate about empowering and advancing the mutual community I look forward to strengthening our deeprooted relationships with our reinsurers and members said JP who is spending much of his time meeting with I know that I have big shoes to fill I thank Steve Smith for his hard work and for developing such strong relationships with our stakeholders These relationships will be especially important as we move forward added JP I am excited and confident about where we can take our organization We are on a journey together Let s stay focused set our sights high and remember it takes time to accomplish anything worth achieving Strategic Focus for 2020 A Message from JP Gagnon In response to feedback from the mutual community we updated our mission to emphasize our commitment to mutuality and our members JP Gagnon President CEO Farm Mutual Re Our new mission is Committed to mutuality and strengthened by our scale and Canadian agricultural heritage we provide enhanced reinsurance solutions and services for the benefit of our members and those who value deep rooted relationships We also changed our vision to elevate our aspirations with our new bold statement Our new vision is To be the reinsurer of choice for the global mutual community and an essential part of the Canadian property and casualty industry With these in place the executive and management team modified our areas of strategic focus to develop greater clarity on our primary objectives This endeavor ensured organizational structure aligns with the strategy and team members within all areas of the organization are vested in the plan The strategic goals include Grow profitably and diversify Increase premium growth through long term partnerships focused on mutual profitability diversification of reinsurance risk and capacity protection Protect grow and strategically deploy capital Protect grow and strategically deploy our capital to leverage the collective scale of the members consistent with our risk appetite profile Deliver services and contribute to the mutual community Provide services and contribute to activities supporting the success and independence of the mutual community while maintaining a cost structure appropriate for our size and risk appetite Strengthen people communication and culture Attract develop retain and inspire our people to advance their capabilities and passion to achieve our strategy embrace our culture and live our brand We continue to be committed to providing innovative solutions to members and delivering on our promises Our Tactical Plan to successfully execute our strategy is currently being finalized Watch for more details as we keep you informed on Farm Mutual Re initiatives November 2019 23

GIVING BACK Ontario Mutuals Partner with the Umbrella Project to Build Resilient Communities Across Ontario We re excited to share an update on how Ontario Mutuals have been building partnerships with the Umbrella Project to build resilient communities across Ontario In early 2019 OMIA committed to sponsoring the Umbrella Project to bring social emotional learning experiences to schools across Ontario and take part in helping our future generations proactively develop the coping skills to navigate and overcome the inevitable challenges of life Today you can see the Umbrella Project impact the lives of hundreds of students at St Paul s Secondary School Algonquin Lakeshore Catholic District School Board Trenton St Mary s Catholic School Huron Perth Catholic District School Board Listowel Major Ballachey Grand Erie District School Board Brantford Aldborough Public School Thames Valley District School Board Rodney Wilson Avenue Public School Waterloo Regional District School Board Kitchener Waterloo Since introducing the principles of the Umbrella Effect at the OMIA Annual Convention through a Building Resiliency in the Workplace session leaders throughout the mutual community have recognized the opportunity for Ontario Mutuals to change the trajectory of mental health both in our workplaces and in the communities we live and play in We are incredibly proud to share that the Umbrella Project has partnered with seven Ontario Mutuals to bring the Umbrella Project to team members educators parents and children across the province Bay of Quinte Mutual Insurance Company Bay of Quinte Mutual has partnered with the Umbrella Project to expand the Umbrella Project throughout the community by sponsoring six schools with the Umbrella Project curriculum hosting two community parent nights and a professional development night for educators and mental health leaders throughout the Algonquin Lakeshore Catholic District School Board Grenville Mutual Insurance Company In spring 2019 Grenville Mutual partnered with the Umbrella Project to host a full day wellness event for their entire team to learn about the Umbrella Effect and how to intentionally use a growth mindset to set better goals and practice the self care required for long term success and wellbeing at work

GIVING BACK Howick Mutual Insurance Company In spring 2019 Howick Mutual partnered with the Umbrella Project to host a half day professional development workshop focused on cultivating a growth mindset Since then Howick Mutual has brought the Umbrella Project to their local community by sponsoring 2 schools with the Umbrella Project curriculum and bringing together mental health advocates and leaders throughout the region Tradition Mutual Insurance Company In spring 2019 Tradition Mutual partnered with the Umbrella Project to host a half day professional development offsite for the entire team During this session leaders uncovered how to reframe their perception of stress and intentionally take on challenges as a vehicle for building their own umbrellas both as individuals and a team Halwell Mutual Insurance Company In fall 2019 Halwell Mutual partnered with the Umbrella Project to host a full day wellness offsite for the entire team Throughout the session Halwell Mutual team members evaluated their own umbrella of coping skills built a company umbrella and explore how to reframe stress as a challenge vs a threat Ayr Farmers Mutual Insurance Company In preparation for their Guidewire go live date the Ayr Farmers Mutual staff and directors attended a staff development day with the Umbrella Project to focus on preparing and adapting for successful change within the organization To make the event even more fitting as a policyholder driven organization the event was held off site at the Lavender Farm a local long time policyholder of Ayr Farmers Mutual Ayr Farmers Mutual also sponsored the Umbrella Project curriculum for a local Ayr school Cedar Creek Elementary School in support of the benefits felt through a better understanding of our own resiliency Edge Mutual Insurance Company In summer 2019 Edge Mutual established a partnership with the Umbrella Project to proactively educate youth in the Drayton community about the critical skills that help us weather the storms of life Edge Mutual made a big impact by sponsoring the Umbrella Project curriculum for the Community Christian School of Drayton hosting a community parent night and mental health professional development training for educators We are incredibly proud of the impact and momentum building between Ontario Mutuals and the Umbrella Project Based on this success we are excited to share that OMIA will renew our sponsorship to the Umbrella Project to continue growing our partnership in 2020 Be sure to check out our spring edition of OM News to stay in touch and hear stories from communities building their coping skills If you are interested in learning more about how your team can get involved in the Umbrella Project please visit www umbrellaproject co and reach out to book a conversation edgemutual I N S U R A N C E C O M PA N Y November 2019 25

Being a company that is committed to the professional development of our team learning more about developing resiliency and building coping skills was a natural fit for us as the learnings can be applied to both our personal and professional lives In my opinion there is a real need for our youth to learn more about developing coping skills and resiliency Being able to provide schools with the tools and resources to help build these skills is a really positive step If we live within our comfort zone our comfort zone will eventually shrink This was a great reminder that we need to continually challenge ourselves and work on building our umbrella every day Bay of Quinte Mutual believes in and supports the goals of The Umbrella Project Sadly in our area we have experienced an increase in young people harming themselves We are confident this partnership with The Umbrella Project will result in our teachers and young people learning the skills needed to meet and conquer today s life challenges Tammy Hickling Vice President Insurance Operations Howick Mutual Our entire team benefited tremendously both personally and professionally from the Umbrella Project professional development day The tools and insights gained were profoundly valuable for their impact on our team s self awareness empathy for others The Umbrella Project team helped us build a better shared understanding of how important it is to prioritize recovery and self care to achieve sustained wellbeing both at work and home We felt the positive impact of this session right away and know it will be a tool we will continue to use reaping even more benefits as we reinforce this learning and adopt a peoplecentred culture of innovation Jeffrey Howell Chief Executive Officer Bay of Quinte Mutual The resiliency training provided by the Umbrella Project engaged staff in a way that provided rejuvenation and selfawareness in understanding the strengths and weaknesses found in everyone s individual resiliency umbrella Interesting that when all our umbrellas were positioned together it highlighted strengths and weaknesses throughout the organization but more importantly we had a full umbrella to be resilient together when it s needed most Staff were inspired by the work and some went home to discuss it with their own children only to learn that their schools had implemented the resiliency training and together they totally connected with a family discussion Kuusta Laird Barry Human Resources Halwell Mutual Social media is an outlet for many teens to get their feelings out to the public creating many positives and negatives With its wide reach and instant messaging features it has helped to create addiction and cyber bullying with resultant pressure on society and the vulnerable in particular As an organization and members of society in general we all have a role to play in helping to create a more positive message for the younger generation through education on how to cope with the fallout Jeff Whiting Chief Executive Officer Ayr Farmers Mutual Carlos Rodrigues Chief Executive Officer Edge Mutual

GIVING BACK A SNAPSHOT OF MUTUAL GIVING We scoured our previous five issues of OM News to pull together this impressive table that shows all of the mutual giving that took place in that time The mutuals shared 143 stories of giving and 78 of those amounted to 2 6 million 55 stories indicated sponsorship with no specified dollar amount and 10 shared about volunteering This is just a snapshot of all of the contributions your mutuals make to your communities If you d like your contributions included in future issues remember to share your stories with marketing omia com Agriculture Animal Causes 50 150 Children 80 000 Civic 20 971 Civic Clubs 7 500 Conservation 10 000 Crime Stoppers 50 000 Education 14 700 Emergency Services 12 000 Families 57 472 Food Bank 20 850 Habitat For Humanity 7 500 Medical 1 269 625 Multiple Charities 993 864 Sports 37 500 November 2019 27

November 2019 O N T A R I O M U T U A L S The Mutuals Are Growing Meet some of the many new faces in the system pg 6 N E W S L E T T E R THE UMBRELLA PROJECT A MUTUAL UPDATE PG 24 A Snapshot of Mutual Giving pg 27

UPCOMING TRAINING EVENTS Subject to change Please refer to www omia com to review a current calendar of courses offered by OMIA Click on Education and then Education Calendar DATE COURSE NAME COURSE DESCRIPTION Dec 3 Board Chairs Roundtable Of interest to Board Chairs Vice Chairs this session focuses on governance and meeting topics of interest Dec 3 4 AM Personal Liability Coverage Review Live Online A review of the personal liability coverage wording Member company staff who attend will receive a Liability Coverage Review credit in the upcoming Certification for Insurance Practitioners program Dec 5 Managers Roundtable Mutual company managers meet to discuss issues of interest Dec 10 11 AM Farm Liability Coverage Review Live Online A review of the farm liability coverage wording Member company staff who attend will receive a Liability Coverage Review credit in the upcoming Certification for Insurance Practitioners program Commercial Liability Coverage Review Live Online A review of the commercial liability coverage wording Member company staff who attend will receive a Liability Coverage Review credit in the upcoming Certification for Insurance Practitioners program Dec 12 13 AM NEW Intro to Privacy PIPEDA Online Course Sessions to look forward to in January and February 2020 Jan 8 9 AM Residential Property Coverage Review Live Online A review of the personal property coverage wordings Member company staff who attend will receive a Property Coverage Review credit in the upcoming Certification for Insurance Practitioners program Jan 14 15 Farm Property Coverage Review Live Online A review of farm property coverage wordings Member company staff who attend will receive a Property Coverage Review credit in the upcoming Certification for Insurance Practitioners program Jan 16 Board Succession Planning Recruitment Live Online One of the optional units in the Governance section of the Directors Certification Program Jan 17 Repeated in April September Ethics in the Business of Insurance Live Online Participants will learn to create a standard of conduct values for job performance show that personal ethics includes work ethic demonstrate the importance of making ethical decisions much more This is a mandatory unit in the upcoming Certification for Insurance Practitioners program Jan 21 Auto Accident Benefits Claims Handling Workshop Accident Benefit adjusters spend the day focusing on issues that they deal with in their role of handling this specialty line of insurance Jan 24 Automobile Underwriters Roundtable An affiliate group of mutual company automobile underwriters discuss topics of interest to them Jan 29 30 AM Commercial Property Coverage Review Live Online A review of the commercial property coverage wording Member company staff who attend will receive a Property Coverage Review credit in the upcoming Certification for Insurance Practitioners program Feb 10 Board Succession Planning Recruitment Live Online One of the optional units in the Governance section of the Directors Certification Program Feb 13 Commercial and Farm Underwriters Roundtable An affiliate group of mutual company underwriters responsible for underwriting commercial and farm business discuss topics of interest to them Feb 26 Claims Managers Adjusters Roundtable An affiliate group of mutual company claims managers and other adjusters discuss topics of interest to them For more information and to register please visit OMIAEducation ca and click on Intro to Privacy PIPEDA Questions and comments can be directed to marketing omia com November 2019 29

MEET YOUR OMIA Compliance Resource Officer How long have you worked at OMIA Since July 2019 so I guess I am the most recent newbie in the office I ve had the opportunity to work in a variety of management and executive roles for both private and public sectors of insurance for 25 years Most of my experience comes from a Global Third Party Claims Administration Company and the Workplace Safety and Insurance Board What has surprised you most about working at OMIA The collaboration and support from both the OMIA staff along with the mutual members have made me feel welcomed It s been a wonderful experience having recently attended my first P M meeting Jackie Roy Compliance Resource Officer How does your department help Ontario Mutuals succeed Compliance and regulation are not exactly everyone s favorite subject and most people tend to avoid it My role here at OMIA is to make it less painful and more enjoyable when designing and or refining a proactive Enterprise Risk Management Program Our objective is to assist each mutual in achieving their individual goals based on their needs while maintaining regulatory compliance What is your favourite part about your job The opportunity to travel and visit the mutuals to understand firsthand how compliance fits into their day to day operations and to see how proud they are of their efforts They really stand behind their word and demonstrate their commitment to compliance What is one thing you wish member companies knew about your department A robust compliance program doesn t need to be complicated Changes are occurring at lightning speed and my role is to help navigate through the compliance changes impacting the way our members service their clients For 10 years I was a branch manager responsible for the oversight and operations of a third party administrator It helps me understand some of the pressures that each mutual experiences in balancing regulations and member expectations while running a company It s not an easy task but it can be done What is one interesting fact about yourself that you would like to share I really enjoy golfing both playing and watching Every year I send in my ticket application for me and my family to attend The Masters Tournament in Augusta Georgia Unfortunately I haven t been successful to date but I ll keep trying Maximize your subrogation recoveries and free time for your staff to focus on more critical adjusting work Specializing in Subrogation We offer affordable contingency flat fee options Please contact us to discuss your subrogation needs Suite 216 762 Upper James St Hamilton ON 905 389 4522 christine sageclaims ca sageclaims ca 30

ACCOMPLISHMENTS Congratulating Mutual Members on Their Professional Developments TRILLIUM MUTUAL We re very happy to have been nominated into the 2019 Business Excellence Awards and into the Best of the Best Category Thank you to North Perth Chamber of Commerce and good luck to all of the nominees Trillium is also thrilled to have been nominated for Insurance Business Canada s Top Workplaces 2019 TRILLIUM MUTUAL Our very own retired President CEO Joe Dietrich has been nominated for the LowestRates ca CEO of the Year Award by Insurance Business Canada Joe s reputation as a progressive leader and a champion of mutuality makes him a very deserving nominee Over his 37 year career Joe created an award winning culture a dynamic philanthropic presence in communities across Ontario and developed Trillium Mutual into one of Ontario s Ag insurers of choice Good luck at the awards on November 28th Joe our entire team is rooting for you NOVA MUTUAL CEO Gary Anderson is proud to announce that Rachel Bennett Accident Benefits Adjuster has obtained her Certified Fraud Examiner designation after a lot of hard work and dedication Gary says Empowerment and Integrity are two of our Core Values here at Nova Mutual and Rachel is living and breathing these values through this achievement We are very proud of her and thankful she plays for Team Nova Mutual Congratulations Rachel November 2019 31

OTHER NEWS AND EVENTS FARM MUTUAL RE On September 3rd a new back lit sign was placed on the Farm Mutual Re building facing Highway 401 Look for it day and night on your way by HOWARD MUTUAL The social committee at Howard Mutaul hosted its annual event Bummer it s the End of Summer Golf Games Day for agents staff and directors along with their companions at the Ridgetown Golf Curling Club It was a fun afternoon of golf games laughter and sunshine USBORNE HIBBERT MUTUAL On September 10th Usborne Hibbert employees directors and retirees enjoyed a round of golf and a fantastic dinner at the Exeter Golf Club Guests at the annual event included TC Adjusters and our brokers J P Uniac Insurance MooreHemsworth Insurance and DG Dunbar The day was sunny and warm and everyone had a great time together 32 FARM MUTUAL RE OMIA In a glowing testament to our culture and values the canopy of Farm Mutual Re and OMIA s Compassion Campaign tree blossomed over the summer to create the thick foliage of leaves representing all the good we do for one another Employees were encouraged to acknowledge their co workers for good deeds and kindness over the summer Thank you to all who participated and acknowledged the kindness of your colleagues

OTHER NEWS L to R Phil Lambert Leanne Lambert Anna Campbell Eric Kowalsky CTM INSURANCE On September 17th we closed both offices for a fun filled team building day at East Park in London Dividing into six teams we competed in various challenges in an Amazing Race style competition Events included gokarts mini golf and climbing The winning team was Team Pacman There was also a prize for the best dressed team won by Don t Be Jellous Bill Jellous Julianna Forde Darlene Brown Ali Goodrum Chuck Gibbons and Joanna Zlomanchuk L to R John Vash Molly Curtis Tim Curtis Tracey Vash FARM MUTUAL RE In keeping with our commitment to the environment and sustainability our grounds became home to hundreds of honeybees in summer 2019 Three wooden hives were installed in August and a contest was held to name them The names selected were L to R Gary Perkins Christa Nixon BCM INSURANCE held it s annual golf tournament in August this year at the Port Colborne Golf Club Great fun was had with some great golfing as well Home Sweet Comb submitted by Jennifer Higuchi of OMIA Honey Haven submitted by Kevin Cameron and Toby Little of Farm Mutual Re Pinebush Place submitted by Emily Neeb of Farm Mutual Re The bees won t produce enough honey for consumption in their first year In subsequent years anywhere from 30 and 100 kg of honey can be expected The apiarist working with Farm Mutual Re will extract the honey from the hives and share some of the honey with staff November 2019 33

OTHER NEWS GRENVILLE MUTUAL On May 30th the Leeds Grenville Small Business Enterprise Centre LGSBEC proudly launched its annual Summer Company Program funded by the Government of Ontario For almost 20 years the LGSBEC has delivered this program to youths aged 15 to 29 by providing them with the opportunity for a real life experience running their own businesses The program delivers hands on business training and mentoring throughout the summer by drawing on the expertise of local business owners to help the students make the most of their experience Each participant is given 1 500 at the beginning of the program to help with business start up costs and an additional 1 500 award in the fall upon the successful completion of the program and proof they are returning to school with LGSBEC That is until we met the professionals at Grenville Mutual Insurance In the past purchasing insurance has been cost prohibitive The people at Grenville Mutual took the time to understand the participants dilemma and put on their thinking caps to come up with a solution that met the needs of the students and the program It also had to be cost effective explained Onstein This is the fourth year we have had the pleasure of working with Justin Rice exclusive Agent for Grenville Mutual Insurance We consider ourselves fortunate to work with a person with such a great understanding of not only the insurance business but business itself This year eight participants enrolled in the program launching ventures that included recycling of secondhand clothes and accessories to create new fashions for those conscious of the environment music lessons photography custom made bonnets for horse owners photo restoration using digital software and techniques technology assistance for seniors and other adults showcasing the best traditions of India and journals for the daily practice of journaling The program offers participants as true to life experience as possible including registering the business with the Province of Ontario opening a business bank account and acquiring insurance I m sure you can appreciate how difficult it can be to purchase insurance at 16 years of age for a business that is only running two months of the year said Wendy Onstein Lead Consultant Justin Rice Exclusive Agent for Grenville Mutual RECOVERY AND STORAGE SOLUTIONS THAT ARE COST EFFECTIVE WE PICKUP PAYOUT TRANSPORT HOLD SALVAGE LATE MODEL VEHICLES EQUIPMENT ETC TRUST THROUGH EXPERENCE SECURED COMPOUNDS QUALITY SERVICE CONVENIENCE SERVICING SOUTHERN ONTARIO FOR OVER 25 YEARS 34 QUALITY TRUST EXPERIENCE

OTHER NEWS MIDDLESEX MUTUAL Our Agent Jim Poel enjoyed greeting attendees at the Ontario Mutuals booth at the Woodstock Farm Show on September 10th Jim is pictured here with our Westminster Mutual friends Doug Crockett Fiona Roberts and Greg Van Berkel HTM INSURANCE We participated in the 2019 Hastings County Plowing Match and Farm Show The two day event was a great success with great weather HTM informed many people about their services and provided freezies to all who came to visit HAY MUTUAL Local hockey fans were treated to a visit from Lord Stanley this past summer when Conn Smythe Trophy winner Ryan O Reilly came to Seaforth and Goderich on July 25th Fans were able to meet and have a picture with O Reilly and of course the Stanley Cup O Reilly felt it was important to bring the cup home to the community that helped shape him as a player Fans were able to get signatures from O Reilly on August 28th when he returned to the community for a second event at the Bayfield arena HTM INSURANCE We had two teams participate in this year s Durham Brokers Association and The Insurance Institute of Ontario Kawartha Durham Chapter Beach Volleyball tournament Great weather and great fun HOWICK MUTUAL On September 12th we hosted our annual Broker Appreciation BBQ We had a fantastic turnout Thank you to all of our broker partners who attended and dressed to the Pool Parfty theme November 2019 35

OTHER NEWS HAY MUTUAL Our 1952 Hay Mobile has put on a few kilometers this summer taking part in parades at the Zurich Fair and Bayfield Fair It was also featured in the 54th Annual Zurich Bean Festival Cruise Night on August 23rd and was showcased in the car show for the weekend NORTH KENT MUTUAL We attended business after hours at James St Eatery in Wallaceburg Kim MacDonald Gilhuly Chief Financial Officer Tom Mcgregor Chair Jill Misselbrook Chamber Dean Muharrem Assistant Vice President Sales Marketing Amy Dale Underwriting Manager collected a certificate for 10 years membership to Wallaceburg Chamber of Commerce MIDDLESEX MUTUAL Staff and agent volunteers had a great time at this year s Ilderton Fall Fair which took place September 27th 29th The theme of our booth was Loss Prevention and Severe Storms Be Prepared In keeping with our theme we had two adult prize giveaways that included a 72 Hour Emergency Preparedness Kit fire extinguisher and other loss prevention supplies The children had a great time playing Plinko for candy prizes and a chance to win the Children s Gift Basket As always we handed out hundreds of fresh local apples to fair attendees 36

OTHER NEWS TRILLIUM MUTUAL September 18th was a day for celebration at Trillium Mutual Insurance Three trees were dedicated in the Legacy Garden at the office in the names of The Late John Clancy former Director and Pam Murray Retired Director of HR We also celebrated the ROOTS Council and our 1M milestone in community support through the ROOTS Community Fund Thank you to all that attended GERMANIA MUTUAL We celebrated Friday the 13th in style by throwing some axes AXED Throwing brought their mobile trailer to the Germania Mutual parking lot for an afternoon of fun and friendly competition We had a blast LIPSKIE APPRAISAL SERVICE 1 800 281 3157 NORTH KENT MUTUAL We held our 10th annual Golf Tournament at Willow Ridge Golf Club in Blenheim Staff agents brokers suppliers and policyholders enjoyed a wonderful day of golf and fellowship Thanks to everyone who came out to enjoy the day www lipskieappraisal com Email admin lipskieappraisal com CLASSIC ANTIQUE CUSTOM VEHICLE EVALUATIONS MTO HST EVALUATIONS SPECIALIZING IN CARS TRUCKS MOTORCYCLES BOATS ATVS SNOWMOBILES TRAILERS AND RECREATIONAL VEHICLES November 2019 37

OTHER NEWS MMI INSURANCE We ve been busy and full of excitement this past year We opened a new branch in Lethbridge which means we now have five offices across Alberta with a total of 40 employees With the arrival of our new CEO Sandra van Raalten we ve become excited about re envisioning our strategic direction helping us define where we are going and why we exist as an insurance company In addition to providing comprehensive insurance coverage for Mennonites and others of like faith our why includes partnering with member churches and providing relief through our Compassion Fund Next year MMI is celebrating 60 years of meeting the insurance needs of Mennonites and others of like faith in the province of Alberta Along with the celebrations we are updating our logo and giving our brand a bit of a face lift NORTH KENT MUTUAL Agent Matt Armstrong and Kristin Heyink represented North Kent Mutual at the Seniors Fair held on September 20th at Ken Houston Memorial Arena in Dresden 38

OTHER NEWS The Advance fellows obtain access to our group s top management circle and gain first hand know how in managing an international insurance company through challenging times said Torsten Jeworrek Member of the Munich Re s Board of Management FARM MUTUAL RE In May Emily McHugh Governance and Compliance AVP and Corporate Secretary at Farm Mutual Re joined an esteemed group of fellows from around the world for Munich Re s prestigious Advance Program During the intense eight week program participants completed executive management training expanded their reinsurance knowledge and learned about macro trends affecting the global insurance industry The Advance Program is a unique opportunity that is made available to select clients around the globe Each year 12 up and coming high potential leaders are selected to participate in the extraordinary learning opportunity said Steve Smith former Farm Mutual Re President and CEO Emily is the second Canadian to be selected in the last several years We are very proud to have had Emily selected not only for her personal skills and potential but also for the recognition bestowed upon Farm Mutual Re and our commitment to our people and our commitment to excellence Get over 100 years of experience in Insurance Defense working for you 380 Wellington St Suite 1600 London ON N6A 5B5 www bbo on ca bboinfo bbo on ca 519 679 0400 ph 519 679 6350 fax The group heard from 128 speakers and participated in 270 sessions as they developed their leadership and technical skills Topics ranged from advanced technology and analytics to risk and strategy Fellows shared a guest house in Munich but also travelled to Schliersee Bavarian Alps and Hertfordshire England Some of the highlights for Emily included a visit to Lloyd s of London Munich Re UK General Branch and Ashridge the former a royal residence to Henry VIII now the renowned Hult International Business School The culmination of their work together was the final challenge project where the fellows had to present a solution to an industry problem during Munich Re Client Days which were attended by over 200 people Staying true to Farm Mutual Re roots in agriculture and incorporating considerations for climate change Emily and her teammates pitched a solution for how the re insurance community can support sustainable farming practices I am grateful to Farm Mutual Re and Munich Re for the incredible opportunity to participate in the Advance Program From the knowledge I ve gained to networking with the Munich Re leaders the value of the program is unparalleled in the industry said Emily It was a true privilege to get to know and work alongside the other fellows I look forward to sharing what I learned with the team at Farm Mutual Re as we continue to collaborate with and serve our members Emily welcomes you to contact her directly if you d like to learn more emchugh farmmutualre com Pictured Fellows at their farewell party Emily McHugh is fourth from the right November 2019 39

OTHER NEWS TRILLIUM MUTUAL Thank you very much to all of our broker partners who attended our Broker Appreciation Events throughout the month of September WEST WAWANOSH MUTUAL On September 19th West Wawanosh Mutual held an official groundbreaking ceremony to kick off construction of what will become our new head office at 58 Hamilton Street in Goderich The event was held in the presence of staff directors brokers dignitaries and building partners and marks a new milestone in the history of West Wawanosh Mutual Insurance The architect firm of R Ritz Architect will be in charge of the design of the new office while Larry Otten Contracting Inc will be the general contractor and project manager It is expected to be complete by June 2020 The new building will be the workplace for 22 full time and part time employees and will accommodate any future growth The new two story with just over 9 000 square feet will feature fully accessible state of the art work areas private meeting rooms and a larger conference room We are very excited to be moving our headquarters to Goderich It will provide benefits and opportunities for both the company and staff as well as address accessibility says Cathie Simpson President and CEO It s great that we have the support of the town and we look forward to being a part of the community 40

OTHER NEWS 4 H ONTARIO With support from the Ontario Mutuals Grant Program Haldimand 4 H Association held an exceptionally successful judging night where 150 members and 30 volunteers practiced their critical thinking skills Members judged multiple different categories of objects including classes of lawnmowers school lunches sunscreen and bacon and were asked to give thoughtful reasoning behind their decisions Everyone had a fun filled evening despite the weather being a little dreary Visit blog 4 hontario ca for more information MUTUAL FELLOWSHIP IN ACTION Riley Doolittle Guy Carpenter Jeff Whiting Ayr Farmers Steve Quinn Cayuga and Kevin Inglis Howick enjoyed a golf game together at the October CAMIC Convention in Quebec City November 2019 41

RETIREMENTS Celebrating Those Who Have Helped Ontario Mutuals Thrive OMIA It was with mixed emotions that staff at OMIA joined Jackie Brouwers Compliance Resource Officer in celebrating her retirement this August Jackie joined OMIA in March of 2008 as a Training and Research Officer having most recently worked at Farm Mutual Re Jackie s previous stops included the Ontario Teachers Insurance Plan Gore Mutual Coseco HB Group Insurance and Halwell Mutual In studying the time lines Jackie had neatly divided up her career into 4 5 year stops until OMIA where she doubled that to 11 years Jackie thrived as a trainer and later as a Compliance Resource Officer She tackled many different and complex areas with OMIA including Statutory Accident Benefit Schedule manuals and training HCAI cyber risk research and surveys Maritime Director Training and FSCO s Annual Statement of Market Conduct Jackie at Halwell Mutual Jackie has always been respected and valued by her peers In looking back through some of the notes in her file the words her colleagues have used to describe her are professionalism knowledge commitment mutual spirit and humour Over the last few years Jackie was able to widen her contributions to the next generation of insurance professionals through her teaching and faculty duties at both Conestoga and Seneca College A sincere Thank You to you Jackie for your contributions to OMIA and the mutuals We will miss you at the office but offer our very best wishes for retirement and the chance for many adventures in the years ahead GRENVILLE MUTUAL Wendie Noccey having been with Grenville Mutual since 1998 retired on September 19th When she began her career here the role of computers was still very much undiscovered Wendie was relentless in her pursuit to place Grenville at the front of the technology movement to share her wealth of knowledge and progressive thinking with our entire mutual community In doing so she became a respected leader known for her insight technical skills and ability to ensure every perspective was always considered Wendie had significant involvement with MCCG now Cognition over the years and helped it become a system of choice A peopleperson first Wendie s contribution to the well being and growth of our team will leave a space that will be difficult to replace Wendie will be missed not only at Grenville Mutual but within the entire mutual technology community Her next life chapter is to spend important time with her family and personal pursuits always the right decision 42

APPOINTMENTS POSITION CHANGES Transforming the Mutuals BCM MUTUAL We are pleased to announce the appointment of Jason Cybulski as President and Chief Executive Officer effective September 3rd 2019 Mr Cybulski has been the President and CEO with Brant Mutual Insurance Company since 2013 He began there in 2003 as Claims Manager and was promoted to Vice President where he acted as Staff Manager marketing liaison with agents and brokers as well as continuing to have full oversight for claims management He also worked for Cunningham Lindsey Canada in Hamilton as an Independent Adjuster and then Supervisor Jason is a member of the OMIA Auto Rate Filing Committee He has been an Instructor for the insurance Institute of Ontario since 2001 and he is a Past President and Director of the Ontario Insurance Adjusters Hamilton Chapter He graduated from the Mohawk College Insurance Program and also General Business Course specializing in Accounting He has achieved such designations as a Fellow Chartered Insurance Professional Certified Risk Management Diploma Professional Farm Mutual Manager sponsored by National Association of Mutual Insurance Companies NAMIC and in 2017 was the recipient of the NAMIC Merit Award He is a committed life long learner who recently completed the Advanced Leadership Certificate sponsored by the University of Waterloo and also the Workplace Mental Health Leadership Certificate through Queen s University Board Chair David Gill stated We are extremely pleased to have someone with Jason s experience and background to be joining our company His insurance knowledge particularly of the Farm Mutual industry will be a great asset We were impressed with his ongoing commitment to developing his leadership abilities The Board believes Jason will be a great addition to our team and provide the direction and guidance needed going forward YARMOUTH MUTUAL The Yarmouth Mutual Board of Directors is pleased to announce the appointment of Adam Kuron as President and Chief Executive officer effective August 6th 2019 Adam was previously the Chief Financial Officer with Yarmouth Mutual a position he held since February 2015 Prior to joining Yarmouth Mutual Adam spent almost 8 years at BDO Canada in Woodstock working in auditing and assurance Adam holds an Honours Bachelor of Accounting degree from Brock University and obtained his Chartered Accountant designation in 2010 TRILLIUM MUTUAL We are pleased to announce that Jenny Hallahan Manager of Underwriting will be our new VP of People Innovation Jenny joined Trillium in 2015 as Manager of Underwriting and has been making outstanding contributions to our organization ever since We are extremely confident that her passion for people technology forward thinking and the mutual community will continue to add great value to Trillium Please join us in congratulating Jenny November 2019 43

APPOINTMENTS POSITION CHANGES ERIE MUTUAL Our team is excited to have Brittani Cooper take on additional duties and challenges in her new role of Account Representative in our Customer Experience Department Brittani joined our team in April of 2019 as a Customer Experience Assistant Her energy and enthusiasm to do more couldn t be overlooked and she was given her promotion in September A great success story in just a very short period of time Congratulations HOWARD MUTUAL is pleased to announce that Julie Smolders has transitioned to the Customer Service Assistant position in our Blenheim office Julie has a great attitude creativity and excellent customer service skills honed over 8 years at Howard as well as broad insurance knowledge The dedication that Julie shows to Howard our policy holders and the communities we live in makes her the perfect person for this position Congratulations Julie FARM MUTUAL RE Sahith Tummala joined the Analytic Services team in the role of Business Analyst on August 30th Sahith started with Farm Mutual Re in January through the co op intern program as a Claims Intern in the Claims Department Sahith worked closely with the Claims Coordinators and the IT Department assisting with OnBase development and documentation and updating of the Claims Risk Register In July Sahith transitioned into the role of Business Analyst Intern in Analytic Services Sahith recently completed his Masters in Business Administration at Brock University and also holds a Bachelor in Business Management from Andhra University in India He also completed studies in Strategic Management from the London School of Economics and Political Science in the United Kingdom Sahith also received the Outstanding Award of Excellence given by the School of Graduate Studies to Brock University students who exhibit overall excellence in academia and demonstrate one or more of the following qualities leadership courage innovation inspiration and community involvement 44 FARM MUTUAL RE Amanda Cox accepted a full time position as Claims Coordinator in September Amanda joined Farm Mutual Re and the Claims Department in January 2018 in a contract position Along with her position as Claims Coordinator Amanda also assists with Reception and Accounting and was a key contributor to launching the Compassion Campaign over the summer Before joining Farm Mutual Re Amanda worked as a Case Manager with Allianz Global Assistance She holds an Honours Bachelor of Arts in Psychology from the University of Guelph and is working toward achieving her CIP designation FARM MUTUAL RE Tia Milnes was promoted to the position of Member Strategy Relationship Manager in September In this new and expanded role Tia will be responsible for working directly with the functional areas in Farm Mutual Re to develop maintain and strengthen relationships with members As an effective communicator Tia will be tasked with providing in depth knowledge of members strategies to support the advancement of the Farm Mutual Re strategy Tia has done an excellent job of cultivating relationships with an internal and external network of key contacts in her current role Tia joined the Farm Mutual Re Claims Department in 2011 as a Core Services Intern after graduating from Wilfrid Laurier University with an Honours Bachelor of Arts degree Tia was hired as a permanent employee in the role of Claims Core Services in 2012 In 2015 Tia was promoted to the role of Claims Liaison In this capacity Tia has been meeting with member companies to discuss strategic alignment emerging risks and Farm Mutual Re services Tia recently completed the Fellow Chartered Insurance Professional program FCIP and the Queens Executive program Currently Tia is working towards the Associate in Reinsurance designation through the American Institute for Chartered Property Casualty Underwriters Please join us in congratulating Tia in her new role

APPOINTMENTS POSITION CHANGES HALWELL MUTUAL Join us in congratulating Kuusta Laid Barry in her promotion to HR Coordinator At the University of Guelph she earned a Bachelor of Arts Hons Degree in International Development Studies as well as Master of Arts Degree in Latin American Studies graduating with Distinction Her time in academia gave her many valuable opportunities Recently Kuusta has found a love for the field of Human Resources and has been dedicating many evenings and weekends for the past year to complete the coursework requirement for an HR Professional Designation She is an avid reader dog lover and practitioner of hot yoga Kuusta has been working on Halwell s HR projects throughout the year in addition to her regular duties in accounting and she has already demonstrated her abilities Her enthusiasm for employee wellness her commitment to helping others be their best selves and her balance of empathetic and analytical thinking will serve her very well in the new role of Human Resources Coordinator here at Halwell GRENVILLE MUTUAL It s with pleasure that effective September 3rd 2019 Andrew Asquith will assume the role of Information Services and Development ISD Manager Andrew began his career with us in November 2011 and has been a valuable member of our ISD team since Along with his strong systems development and cyber security skills Andrew has played an important part on the people side of our company Always positively engaged with an objective outlook and a sly sense of humour he is always generous with his time and expertise fast becoming a valued resource to all HTM INSURANCE Andrea Birney has not moved far as she will be moving into a new position at HTM as the Claims Administrator Junior Adjuster She has spent the last year at HTM in the underwriting department as an administrator We know she will be a great addition to our claims department FARM MUTUAL RE Mellissa Matusiak was promoted to Reinsurance Team Leader in October In her new role Mellissa will be providing guidance and assistance to department staff and member companies with respect to contract management data collection and report management assisting in the development maintenance and monitoring of department goals and planning strategies maintenance of inward reinsurance programs directly underwriting assumed reinsurance risks and programs leading and managing performance for a group of reinsurance analysts Mellissa started with Farm Mutual Re in April of 2008 in the role of Reinsurance Analyst and she is a key contributor to Farm Mutual Re culture She had previously completed programs through Conestoga College in Business Administration Marketing and General Business In 2016 Mellissa completed her CIP designation FARM MUTUAL RE Cynthia White was promoted to Reinsurance Team Leader in October In her new role Cynthia will be responsible for providing guidance and assistance to department staff and member companies with respect to complex underwriting issues assisting in the development maintenance and monitoring of department goals and planning strategies maintenance of inward reinsurance programs directly underwriting assumed reinsurance risks and programs leading and managing performance for a group of reinsurance underwriters Cynthia started with Farm Mutual Re in May of 2002 as an Underwriter Previously Cynthia worked in the Insurance industry for 14 years most notably working with Economical as Head Office Analyst in their Personal Insurance Department Since joining Farm Mutual Re Cynthia has proven herself to be an essential member of the Underwriting team holding positions that include Senior Underwriter and Underwriting Specialist Cynthia became a go to for Facultative submissions and has grown her knowledge of Treaty contracts significantly Cynthia holds FCIP and CRM designations and has taught at Conestoga College November 2019 45

A NEW MUTUAL COLLEAGUE Get to know Tony Ngo President CEO of the Broker Acquisition Group Now Known as Collectivfide Insurance Group Can you tell us about your professional background My career has taken me down a unique path that has led me to where I am today I started my career as an engineer building Corvette Cadillac engines and transmissions for General Motors After 8 years at GM I switched careers and joined the Bank of Montreal During my tenure at BMO I was exposed to many aspects of finance and learned how different types of businesses and industries operate The highlight of my time there was managing the P C insurance broker program for the Bank working with brokers throughout the country I met a lot of great people in the industry and enjoyed interacting with them both professionally and personally What made you decide to join the Farm Mutuals It was a tough decision to leave a job where the people had been my professional family for over 11 years I had the opportunity to work with several CEOs of Farm Mutual companies and found those relationships very fulfilling and the mutual community s culture aligned well with my core values helping me make the pivot in my career What is your vision for the new broker acquisition company The P C Insurance industry has seen tremendous change in the last decade with mergers and acquisitions occurring amongst the independent brokerages I think that the Farm Mutuals recognized the threat that this consolidation posed to the distribution channel I truly believe that this is the right move in protecting that business model that underpins the ongoing success of the Farm Mutual companies Protection of volume is one of the reasons why this company has been formed I believe this is a tremendous opportunity to create something very special within the Farm Mutual community The formation of this company is in itself very special My vision is to build a company that is focused around the protection of our values and business yet also to create a company that is innovative and will challenge the status quo in the industry 46 Do you have a name for the company yet I am proud to announce that after a lot of deliberation we have named the broker acquisition company Collectivfide Insurance Group I wanted to pick a name that demonstrates our commitment to our mutual community while showing we are connected to the experience we create with our clients We will be operating as part of the Mutual collective and in Latin fide means trust Collective Trust Collectivfide Can you tell us a little about yourself My background is Chinese Vietnamese and my family immigrated to Canada during the 1970s conflict in Vietnam I grew up in Toronto in a loving family and was raised to accept and appreciate other cultures whom we share our community with I still carry the mantra taught to me that family and relationships are precious which we need to cherish I currently reside in the Niagara region with my wife Jeanette and my son Jonas who thinks he is a ninja We live on an old cherry farm in a house that is over 100 years old My family loves the outdoors and being active frequently going on hikes and bike rides We are also active members in our church and we are blessed to be a part of such a supportive and caring community What are some of your hobbies I consider learning a life long journey and I love to read and learn about new ideas and things that shape our world I am also fascinated by the human brain and how it plays into the way we think and make decisions My favourite authors include Malcolm Gladwell Richard Thaler Amos Tversky Daniel Kahneman OK I admit I am sort of a geek Besides geeking out I love my carpool karaoke So don t be surprised to hear someone belting out a catchy Taylor Swift song pulling into the parking lot A word of warning I did not make the final cut in American Idol From Drake Meek Mills Red Hot Chili Peppers Black Sabbath to Johnny Cash variety is most definitely the spice of life when it comes to music Is there anything else you want to tell us about yourself I can t express how appreciative I am with the kindness and support I have received since joining the Farm Mutual family It truly does feel like a family I also want to let people know that my door and phone line are always open if you have questions or need to chat even if it s to arrange a carpool karaoke session

WE RE IN THIS TOGETHER The 2019 IBAO Convention The IBAO Convention provides the most powerful networking opportunity available to Insurance Brokers OMIA supported this important event again on behalf of Ontario Mutuals This included activity at the trade show booth and hospitality night The trade show ran on October 23rd and 24th at the Sheraton Centre in Toronto Member company representatives staffed the booth throughout the event taking the opportunity to greet their broker partners The busy hospitality suite hosted by ten Ontario Mutuals was held in the Churchill room of the Sheraton We look forward to attending on October 21st 22nd 2020 in Toronto once again YOUR FORENSIC ENGINEERING ALLIES Unearth Expert Insights Whether you re handling a kitchen re or a loss at a multimillion dollar agricultural facility you can rest assured that you have our skilled and experienced investigative team at your service CEP Forensic s team of engineers and investigators particularly prides itself on the cultivation of client relationships and unparalleled investigative expertise Clear Effective Partners cep experts ca November 2019 47

WE RE IN THIS TOGETHER Canada s Outdoor Farm Show Ontario Mutuals sponsored a trade show booth for the 27th year in a row at Canada s Outdoor Farm Show from September 11th to 13th in Woodstock Member companies always enjoy this event with it s many opportunities to connect with insurance customers As the country s largest outdoor agricultural trade show Canada s Outdoor Farm Show has many unique offerings all geared to showcasing new technologies and innovations in an outdoor setting complementing the farming lifestyle We re looking forward to the 2020 show taking place in Woodstock from September 15th to 17th EXPERIENCE KNOWLEDGE STRENGTH WE VE CHANGED Our new name Cognition embodies who we are experienced knowledgeable strong intelligent and insightful With Cognition you still get 23 years of mutual experience and knowledge but our name now reflects who we are We re pleased to confirm that Kent Essex Mutual and Lambton Mutual have gone live with our new product Cognition We are excited to bring Cognition to the rest of the Mutual Community 48

WE RE IN THIS TOGETHER 2019 International Plowing Match The 102nd IPM Rural Expo took place from September 17th to 21st in Verner West Nippissing and Ontario Mutuals was once again a Presenting Partner of the event The weather was spectacular which provided a much needed break from the rain and mud days of the past Talented musicians in the Ontario Mutuals entertainment tent drew crowds all week and of course the mutual yardsticks were a great hit We also welcomed the local 4 H Ontario club to our tent and hosted the Junior Plowing Awards on Saturday Thank you to Algoma Mutual Bay of Quinte Mutual HTM Insurance Trillium Mutual and West Elgin Mutual for participating in the week s events Thank you also to Chuck Salvalaggio who taught fire safety to visitors via the popular fire extinguisher display unit We look forward to the 2020 match which will be held at the Lindsay Fairgrounds from October 14th to 17th November 2019 49

WE RE IN THIS TOGETHER 2019 President s Managers Meeting The 2019 President Managers meeting took place over three beautiful autumn days that showcased scenic Parliament Hill and the Ottawa River Chair Bob Burley welcomed delegates to Ottawa for the first P M there since 2012 Opening keynote speaker Dr Greg Wells got things off to an inspirational start by drawing a clear connection between wellbeing and health individual performance and organizational success Dr Wells delivered a research based and entertaining road map for improving personal wellbeing in a common sense manner During our Monday afternoon sessions Kurtis Andrews provided an update on animal activism Trespass Koker Christensen partner at Fasken LLP provided an update on Open Banking and its implications for the financial services sector James Temple of PwC spoke about the increasing importance of board diversity Delegates also heard from Tony Ngo CEO of Collectvfide Insurance Group Our second day featured Dr Linda Duxbury and her engaging presentation on demographic challenges for the workforce in Canada Our closing keynote Graham Sherman provided a high energy address about entrepreneurship and the spirit of collaboration We look forward to our 2020 meeting in London Ontario Keynote speaker Dr Greg Wells is pictured centre with John Taylor OMIA President and Bob Burley OMIA Chair HTM Insurance 50

WE RE IN THIS TOGETHER The 2019 P M Speakers Dr Greg Wells The Ripple Effect Kurtis Andrews Animal Activism and Trespass Koker Christensen Open Banking James Temple Board Diversity Dr Linda Duxbury Putting People in Strategy Graham Sherman Collaboration Beats Competition 2019 Distinguished Service Award Terry Malcolm was the recipient of the Distinguished Service award at the 2019 Presidents Managers Meeting held in Ottawa in October The Distinguished Service Award is presented annually to an individual who has made a significant contribution to the farm mutual system over the course of their career Terry is the 34th recipient of this award Terry s involvement in mutual insurance dates from 1985 when he was elected to the board of directors of the Farmers Mutual Insurance Company in Lindsay Ontario Over the course of his career Terry was a champion of effective board governance and served two terms as Farmers Board President He was also the inaugural chairman of the Commonwell Mutual Insurance Group which was formed in 2014 from the amalgamation of Farmers Mutual Glengarry Mutual and Lanark Mutual Terry s contributions to the broader mutual system include serving on the board of the Farm Mutual Reinsurance Plan from 1994 to 2004 with a year as Chair in 2001 2002 Terry was also involved in the 1990s with the Solvency Protection Committee of the Fire Mutuals Guarantee Fund Outside of his mutual insurance work Terry has been a leader in Ontario s agricultural community and has been involved with many agricultural farming organizations including most recently as a board member for the Ontario Agricultural Hall of Fame Congratulations Terry November 2019 51

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