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OOMM NEWS NEWSONTARIO MUTUALS NEWSLETTER | SPRING 2024Mutuals learn, live,and lean in.Our 2024 Chair’s Theme pg. 4Our Annual Convention Highlightspg. 54

John Taylor, PresidentOntario Mutual Insurance AssociationOur Mission: To serve and strengthen our mutual insurance community.Our Vision: Grassroots insurance at the core of thriving communities.OM News is produced by the Ontario Mutual Insurance Association on behalf of our member and associate member companies.Our Spring Chapter Begins After a little confusion from our groundhog friend, I think we can safely say spring is ofcially in the air - and with it, a dose of renewed energy for the months ahead. We kicked off the season with our Annual Convention in Toronto where we welcomed over 640 mutual colleagues and special guests to just about three days of networking, information-sharing, and business meetings. This is always a highly anticipated event and a reection of the hard work and successes of the past year.Of course, our main success story, as mutuals, is our ongoing connection to community. This shows up in many ways, through sponsorships, donations, volunteering, and promotion, but is always a reection of where we come from and where we intend to be in the future. Our 2024 Chair, Marg Torrance, has something to say about that on page 4.Welcome to another new season. We hope it’s a sunny one.

Our Mission: To serve and strengthen our mutual insurance community.Our Vision: Grassroots insurance at the core of thriving communities.OM News is produced by the Ontario Mutual Insurance Association on behalf of our member and associate member companies.A Message from OMIA’s ChairMarg Torrance, HD MutualA Message from OMIA’s Past ChairNeil Shay, CTM InsuranceUpcoming EventsA Peek at our Spring ScheduleNew Team MembersWelcoming New Faces to the Mutual SystemMutuals Give BackThis is How We Support Our CommunitiesAppointments & Position ChangesTransforming the Mutuals Education CalendarOMIA Education at-a-glanceMilestonesRecognizing Signicant AnniversariesAccomplishments Congratulating Mutual Members on Their Professional DevelopmentOther News & EventsMore Mutual NewsRetirementsCelebrating Those Who Helped Us ThriveIn Memoriam Remembering Our Mutual Family Members41344750585942OMIn this issue >>Spring 2024467819Another Successful Queen’s Park DayPage 5 2024 OMIA Annual Convention pg.54

pg. 4A Message from OMIA ChairMarg Torrance, HD MutualBy the time you read this, we might now be experiencing some spring-like weather for good, after a “winter-like” spring and a “spring-like” winter! I hope you are all ready to enjoy all the wonder that the warm weather brings us!With the Annual Convention and Neil Shay’s successful year as Chair behind us, I would like to take a moment to thank Neil for his calm and wise leadership of our Board and Association over the past year. The entire Board of Directors is a true pleasure to work with as they diligently serve the members of our association. It has been such a good learning experience to look back on Neil’s theme of “Always Building” and other Chair’s themes and messages, as well as the many editions of this newsletter to see the incredible and inspiring work that has been done! I have learned, and continue to learn, from all that they, and all of the mutual people have accomplished over our rich history.I am truly honoured and humbled to serve as your OMIA Chair this coming year. I know it will be a busy and fast year, so I will be doing what I can to “Live in the Present” and just enjoy each moment!We are all well aware that we’re facing many challenges in this industry and in our communities. As mutuals, we also know that we have each other to help us work through these challenges. We’re stronger together! I look forward to witnessing the continued collaboration and creative problem-solving that our members continue to demonstrate, as we lean in to “future-proof” our people and help create a better future for generations to come.So, I’m excited as we anticipate a year of living out the theme of “Learning (from the past), Living (in the present), and Leaning in (to the Future). I hope to hear your stories of how you’re experiencing each of these elements of the theme. What have you learned from each other, your community, your past accomplishments, and challenges that have helped shape you and your organizations and made you who you are today? I would like to continue on Steve Quinn’s Theme of “Our People, Our Communities, a Celebration of Success” by seeing and hearing all the rich stories of how we show up in our communities by actively dedicating our time and resources in so many different ways. I’m amazed at the commitment and energy that so many of you demonstrate day in and day out. I look forward to meeting with you and hearing from you over the coming months as we celebrate together all that we learn, are engaged in, and are anticipating in our future.Yours in mutuality,Marg Torrance

pg. 5OMIA held its annual Ontario Mutuals Queen’s Park Day at the Legislature in Toronto on March 5th. Forty-ve mutual members travelled to Toronto to meet with MPPs and staff for informal discussions on our role as mutual insurers. While this is an important chance to talk with MPPs on how mutual insurers benet their communities, it is also a chance to hear from MPPs and staff about issues they are working on and that they are hearing about in their constituencies. Our luncheon reception was attended by more than 35 MPPs and many more of their staff. We were also invited to meet directly with Premier Doug Ford who invited us to his ofces and spent time sharing his general outlook and views with the group.Promoting the concept of mutuality with our MPPs is important work. Mutuals are often one of the few remaining main street businesses in rural Ontario and have grown to be very signicant employers within their respective communities. We play an important part in the competitive landscape of insurance (Ontario Mutuals are the 6th largest property insurer in the province and 12th largest auto insurer - and, we remain the primary farm insurers.)The OMIA Legislative Affairs Committee would like to thank all of the individuals who took the time to come to Queen’s Park and the mutuals that supported the event. We were certainly struck by our MPPs high level of awareness and appreciation of the contributions that each of the mutuals make to local communities and economies. It was also encouraging that the new MPPs in attendance were interested to learn more about the mutual business model and the unique role we play as policyholder-owned insurers.Mutual members and supporters! Save the date for our annual golf tournament, hosted by Chair, Marg Torrance, on Thursday, June 10th in Guelph. Details will be shared with member companies by email.Save the date for the annual Slo-pitch Tournament hosted by Farm Mutual Re on Friday, June 21stin Cambridge. Details will be shared with member companies by email.Legislative AffairsQueen’s Park DayOMIA Annual Golf TournamentCutten Fields, Guelph June 10thMutual Slo-Pitch TournamentCambridge, June 21st

pg. 6A Message from OMIA Past Chair, Neil ShayThe past year has been a treat for me. Part of the role of Chair is the opportunity and responsibility to represent the association and membership at many industry events and meetings. To listen rst, learn, represent our interests, and yes speak out a little bit too. I have enjoyed meeting so many of you (scores? hundreds?) and getting to know long time colleagues even better. And thank you for being gracious on those occasions when I had to sneak a peak at your name tag! Although some may consider mutuality as an elusive concept to dene, we know it when we see it, and I’ve had a unique chance this year to see it out there in the open, displayed by the people and longstanding organizations that are always building mutual insurance. A Chair from the recent past said the core purpose of mutual insurance is “service to the policyholders.” We current and future leaders will do well to adhere to that purpose. It has been such a privilege to work with John Taylor, the past and present Board of Directors, and the entire OMIA team. And with you the mutual insurance community. Thank you for the opportunity to serve. Now let’s learn, live, and lean in to 2024. Neil ShayPast Chair

pg. 7Get to Know More About Neil ShayMany in our mutual community may have missed the opportunity to get to know Neil Shay during his year as Chair. Neil had a busy year of attending mutual conferences, conventions, events, and meetings, but in case you missed him, here are some questions we asked Neil to give you a bit more insight into who he is. Which living person do you most admire?My trophy wife Kim, of course, who is smarter, more passionate, more driven, and a better public speaker.But if we have to pick another one, then Joel Houghton (chaplain at the OMIA conference), who lives with degenerative Friedreich’s Ataxia (FA), and is a determined athlete, chess player, father, husband, and polymath. Help us cure FA by sponsoring us at rideAtaxia this autumn in Philadelphia www.curefa.org/ride-ataxiaWhat is your greatest extravagance?BaconatorsWhat is your current state of mind? Relaxed!What quality do you most like in a person?Optimism when merited, and determination to help others succeed when optimism is harder to come by.My family would tell you I am:Scatterbrained. Even tempered. Committed. Toolmaker.Which talent would you most like to have?The skill to play banjo, piano, and guitar.What is your favourite pastime or hobby?Reading...ction, non-ction…anything at all really.What do you consider to be your greatest achievement?Learning to play pickle ball wrong handed after injuring my right shoulder. I’m actually getting pretty good as a lefty.What is the most interesting place you have ever visited?Two interesting places: the Badlands of Saskatchewan and Niagara Glen (collapsed former island just downstream from the whirlpool).Where in the world would you most like to live?At the edge of the woods, with a short walk to the lake, in a place where snowmobiles roam free and bicycles go fast.What is your most treasured possession?My high school football jersey (oh wait, Kim threw that out.) My mom’s school ring, now on my baby nger.What genre do you most like to read?Historical epic ction (which is then discussed with 2021/22 OMIA Chair John Stirk). And Sci-Fi.Who is your hero of ction?Naomi Nagata and Pierre BezukhovIf you could visit and explore any time in history, which time would you choose?Sumeria, the rst civilization.What do you think is the greatest opportunity for the mutuals?Exploiting our aggregate size and collective common will to build great things and lasting legacy together.What do you think is the greatest challenge for the mutuals?Exploiting our aggregate size and collective common will to build great things and lasting legacy together.What is your personal motto?1. Don’t be restricted to just one personal motto, always have ve.2. You can’t always not get what you don’t want.3. Always be humble and kind.4. Be helpful.5. Every now and then, things become clear.

pg. 8Usborne & Hibbert MutualWe’re pleased to welcome Ashley Taylor to the U&H team. Ashley joined the underwriting department as an Automobile & Residential Underwriter. Ashley has her RIBO license and worked at Moore-Hemsworth Insurance Group, one of U&H’s broker partners. She is looking forward to learning the underwriting role. We’re pleased to introduce our new Loss Prevention Representative, Randy Van Bakel. Randy brings a wealth of experience to the role, being a licensed electrician and having performed this role with The Cooperators and Heartland Farm Mutual. Welcome to the team, Randy.We’re pleased to announce that Ryan Glajch, CIP has joined us as our new Director, Sales & Marketing. This is a new role for U&H Mutual and integral to the continued growth and success of the organization.Ryan brings extensive experience to the U&H team with over 20 years in the insurance industry. Ryan started his career with State Farm working in underwriting and transitioning to a sales role and ultimately to a senior position where he led over thirty-ve sales teams. He then moved to Canada Life and worked in various sales, operations, and strategic development senior leadership positions. Ryan’s energy and positive manner is a fantastic t.We’re pleased to welcome Lucas Dupee to the U&H team. Lucas joined the us in December 2023 as our new Director of Accounting, Finance & Compliance. Lucas holds an Honours Bachelor of Business Administration degree from Wilfrid Laurier University and has obtained his CPA. For the last ve years, Lucas worked as an accountant for Hensall District Co-operative and previously worked in public accounting. Lucas understands the local agricultural community and is a terric addition to the team. We’re excited to have him lead the accounting department and look forward to his logical, analytical approach to problem solving. NewTeam MembersWelcoming New Facesto the Mutual System

pg. 9We’re pleased to be joined by our newest colleague, Tammy Glauser, Training and Research Ofcer. Tammy’s insurance career has been focused on underwriting and brokering, and includes both hands-on and training experience. She lives in Waterloo Region and was most recently employed at Max Canada as Director of Broker Support and Training. We’re looking forward to getting to know Tammy and welcoming her to OMIA and the mutuals.The Ontario Mutual Insurance Association (OMIA) welcomes Yatri Sheth to the Administrative Services Department as a Benets & Ofce Administrator. Yatri has a Bachelor of Art from Gujarat University, Ahmadabad. Yatri recently earned her Human Resource Management Diploma from St Clair College and her Project Management Diploma from Conestoga College. We’re excited to have Yatri join our team to support the ever-expanding needs of our members.Westminster MutualMelisa McMorland joined Westminster Mutual as our new General Accountant.Melisa has over 12 years’ experience working in accounting for the mutual insurance industry and we’re excited to have her join our team!Kevin Rowaan joined Westminster Mutual in the role of Financial Controller. Kevin earned his CPA in 2020 and he has six years of auditing experience, specically within the mutual insurance system. Kevin is eager to dive into the Controller side of insurance at a mutual, and we’re equally excited to have him on board. His expertise and enthusiasm are sure to make a positive impact on our team. Plus, his unique laugh promises to bring a touch of joy to our ofce environment.Stanley MutualOMIAWe’re pleased to welcome Jillian MacKenzie as our Ofce Administrator at our 500 Brookside East, Fredericton location. Jillian comes from a foundation in accounting and is now joining the insurance sector, making her a valuable addition to the Stanley Mutual team. Jillian assumes the pivotal responsibility of being our frontline representative will signicantly enhance the client experience and fortify our commitment to excellence in service.Nova MutualWe’re excited to announce a new addition to our team, Brianna Nelles, Administrative Coordinator. Brianna graduated from Mohawk College with a diploma in Ofce Administration Executive and certicates in Business Foundations and Medical Terminology. She’s currently enrolled in the Human Resource Management program as part of her personal growth and fulllment. She’s a dedicated team member at heart, and we’re thrilled to have her join us! We’re also pleased to welcome Callie Matthews, Training and Research Ofcer. Callie has extensive experience in the insurance industry, most recently at Gore Mutual as Learning Experience Manager, Claims. Callie is also a part-time instructor in Conestoga College’s Business of Insurance Program, primarily teaching the Bodily Injury Claims course. Callie will have a claims focus in her role at OMIA and we’re looking forward to introducing her to the membership.

pg. 10Salus MutualKimberly Galbraith, Customer Service Representative. Kimberly comes to us with wealth of customer service experience, having spent many years volunteering with the Thamesville Drama Club.We’re pleased to introduce many new faces to our growing team. Please join us in welcoming:Jamie Kalman, Accident Benet Claims Assistant. Jamie comes to us with some insurance experience and a lot of enthusiasm to learn more.We’re excited to introduce her to the world of mutual insurance.Pamala Cecchin, Multi-Line Claims Adjuster. Pamala comes to us with a wealth of experience in the insurance industry, a passion for the profession, and boundless enthusiasm! Pamala will be a welcome addition to the team.Jess Brown, Underwriting Trainee. Jess comes to us with almost ten years’ experience engaging with clients in the social service industry. Jess has a passion for helping others and holds a position providing respite to children and youth with special needs.Jeffrey Dow, Controller. Jeff has been working in the insurance industry since 2015 on the brokerage side of the business and comes to us with a wealth of experience in nance. Jeff previously served as the Treasurer for the North Perth Community Hospice and continues to look for opportunities to assist charitable organizations in achieving their nancial goals.Janice Walker, Sales Assistant.With a passion for customer relations and background in administration and sales, Janice is very eager to collaborate, learn, and contribute to our collective success. We’re very excited for Janice to join our team.Nicole Bain, Customer Service Representative. Nicole comes to us with a wealth of administrative experience and a genuine enthusiasm to deliver exceptional customer service. Nicole enjoys volunteering in the community and is on the steering committee for the London Music Awards and the London Music Hall of Fame. She is also a judge for the Oldsmobile of Canada Club and an avid dog supporter of local animal charities. Heather Pettit, Chief Operating Ofcer. Heather is coming to Salus with years of Operations and Leadership experience.Heather has a passion for travelling and helping people, which she tries to combine whenever possible. She can often be found on a volunteer trip somewhere in the world during her vacations.

pg. 11Shae-Lynn Vitek, Customer Service Associate. Shae-Lynn comes to us with customer service and ofce administration experience and we’re looking forward to the energy she’ll bring to this role.Stephanie Ford, Underwriting Trainee. Stephanie is a graduate of Western University and now lives on a cash crop farm in Dutton. She has experience working and volunteering with a variety of populations and is passionate about giving back to her community. Skylar Des Rosiers, Agent. Skylar comes to us with diverse experience and lots of enthusiasm. She has a passion for putting others before herself and always strives to make a positive impact within our community. Skylar is dedicated to giving back and supporting different organizations, including Chatham’s local animal shelter, PAWR.Paul Sangha, Agent. Paul comes to Salus with prior automotive and insurance sales experience, as well as a passion for renovation projects around the house and classic car restoration. His experience and knowledge make him a great addition to our sales team.THINK DIFFERENTLYWE ARE CALDWELL SECURITIES LTD. A TEAM OF OUTSIDE THE BOX THINKERS,BUILDING SOLUTIONS THAT OUR CLIENTS NEED.WE ARE AN INDEPENDENT INVESTMENT FIRM,WORKING FOR OUR CLIENTS’ BEST INTERESTS. IF YOU CAN THINK IT, NEED IT.WE CAN BUILD IT.FOR MORE INFORMATION, PLEASE CONTACT:Brendan T.N. CaldwellDirector & Investment Advisor150 King Street West, Suite 1710Toronto, ON M5H 1J9416-862-7755 ext. 250 | 1-800-387-0859bcaldwell@caldwellsecurities.comwww.caldwellsecurities.com

pg. 12Kent & Essex MutualWe’re pleased to introduce the following new members of the Kent & Essex Mutual team!Mike Badder, Property Claims AdjusterChris Stone,Senior IT SpecialistJenna Giesbrecht,Auto UnderwriterMatthew Wiersma,Auto UnderwritingAssistantKennedy Glasier,Residential UnderwritingAssistantAshley Santos,Claims AdministrativeAssistantPaige Skipper,Commercial UnderwritingAssistantHTM MutualHTM is pleased to welcome Heather Boudreau in the role of Personal Lines Underwriter. Heather’s insurance experience spans over six years in the industry, working with one of our broker partners. Please join us in welcoming Heather to the mutual community and HTM family!Caradoc Townsend Mutual We’re pleased to welcome Bea Murray to the CTM team to the role of Senior Administrative Support and Executive Assistant. Bea studied Business Finance at Fanshawe College and Management Fundamentals at the University of Pennsylvania. Bea has just under a decade of experience in the wealth management industry as a licensed investment representative and communications coordinator.MutualONEWe’re pleased to welcome Mackenna Frank to our growing Claim’s team as Senior Claims Adjuster, handling Property and Casualty claims. Mackenna began her career as an IA with Crawford & Company in the London ofce. She has her CIP designation and is an all-lines licensed adjuster. She has extensive Property and Casualty claims handling experience along with excellent communication and customer service skills which will undoubtedly serve our mutual policyholders well. Please join us in welcoming Mackenna to MutualONE!

pg. 13Heartland MutualWe’re pleased to welcome Eric Sousa to our IT department as the Manager of Solution Delivery & Support. Eric’s experience includes a strong background in process improvement, release management, change management, and service desk operations as well as a very deep focus on problem management and root cause analysis. Most recently Eric spent more than 10 years at Gore Mutual Insurance.We’re also excited to welcome the following team members to Heartland:We’re pleased to welcome Michael Tennant to our IT department as the Manager of IT Platforms & Cybersecurity. Michael has held several senior roles in technology at the Universities of Guelph and Waterloo, as well as in the real estate and automotive industries. Mike has a rich background in technology infrastructure, enterprise applications, cloud, cybersecurity, and service desk management.Marina SaracFinance Representative ILuca EmburyFinance StudentCasey GillisFinance AnalystScott GallagherMarketing and Communications AnalystVicki NichollsClaims Representative IIChris GieslerSenior Casualty Claims RepresentativeArsalan RizviFinance Representative IRuth AjiyenExecutive AssistantDevanshi ThakkarJunior NetworkAdministrator

pg. 14Grenville MutualDustin Pilfold has joined us as Business Development Advisor to build and grow our Broker relationships and oversee sponsorships and partner co-op advertising.Please join us in welcoming our newest team members.Hayley Heusser, was welcomed as Underwriting Assistant/Junior Underwriter, Personal Lines.Jennifer Cox joined the team as Underwriting Administrative Assistant.Bonnie Amy, arrived recently to take on the role as Underwriting Assistant.Laurie Johnson, joined the team as a Claims Adjuster, with a focus on large and complex property losses.Erie MutualWe’re happy to announce the addition of Kira (Karen) Langdon to our team as our newest Agent. Kira joined us at the end of 2023 and brings with her some exceptional insurance expertise. We look forward to an exciting full year in 2024 with Kira! We’re also pleased to announce the newest member of our agent team, Samarth Patel. Samarth joins us with a year of experience in mutual insurance and is a graduate of the Mohawk College Insurance Program. He will also be working toward his CIP Designation. Welcome, Samarth!

pg. 15Farm Mutual ReRaj Tamber joined Farm Mutual Re’s executive team as Chief Underwriting Ofcer in January. In this role, Raj has overall responsibility for the following functions: Reinsurance, Underwriting and Loss Control Programs, and Member Relations. Prior to joining Farm Mutual Re, Raj was Vice-President National Accounts (Liability) with the Zurich Insurance Group where she headed the National Accounts (Liability) department. Raj graduated from the University of Toronto with a Bachelor of Commerce, majoring in Economics and Finance. She holds her FCIP and CRM designations. Cody Bueckert joined the Reinsurance Department in the role of Facultative Underwriter. Cody graduated from the University of Manitoba, School of Agriculture and holds both his CIP and CRM designations. Cody also has previous farm underwriting experience.Sandeep Nallam joined the IT Department in the role of DevOps Engineer. Sandeep holds a Master of Science, Computer Science degree from the University of Windsor as well as a Bachelor of Technology in Electrical and Computer Engineering from Kakatiya University. Thomas Gofar joined the IT Infrastructure Team in the co-op position of IT Technical Support. Thomas is in his second year at Conestoga College in the Computer Systems Technician Information Technology Infrastructure and Services program. Sherri Gurski joined the Underwriting and Loss Control Programs Department in the role of Team Leader, Underwriting Quality. Sherri holds both her FCIP and CRM designations and brings several years of commercial underwriting experience in the mutual industry.Aaron Choi joined the Innovation Department in the role of Head, Data & Insights. Aaron holds his Master of Business Administration from Wilfrid Laurier University, and a Bachelor of Commerce from Toronto Metropolitan University. Aaron is a Professional Scrum Master and has a Certicate in Project Management. Nardos Kassa joined the People & Culture Team in the role of People & Culture Co-op. Nardos is a fourth-year student at the University of Waterloo studying Legal Studies and Business. Nardos previously worked at Farm Mutual Re as a Communications Associate Co-op in 2022.Nicole Hackney joined the Business Operations team in the role of Team Leader, Business Operations. Nicole graduated from Brock University with a Bachelor of Science and holds her CIP, RMC, and ICP designations. She comes to us most recently from her role as Training & Research Ofcer at OMIA. Nicole is also a Professor for Business Operations – Insurance at Fanshawe College and an Instructor at the Insurance Institute of Canada. Carey Parkinson joined the Claims team in the role of Claims Analyst. Carey holds both her CIP and CRM designations and brings several years of property and auto claims management experience to the role.

pg. 16Amber Lewis has joined us at BrantMutual as our newest Commercial andFarm underwriter.Amber brings with her 16 years ofexperience in the insurance industrywith a variety of specialties.Welcome to Brant, Amber.The Commonwell MutualBryan Tarr has joined our team asDirector, Information Technology.Bryan’s role will include supportingthe Infrastructure and ApplicationDevelopment Teams as theyoperationalize technology across thebusiness.Drawing upon over three decades of IT expertise, Bryanhas managed numerous IT software development andconsulting rms servicing both private and public sectors inCanada and the United States. His expertise was servicinginsurance, nancial, government and legal domains. Hisprofessional insurance background includes engagementswith organizations such as Manulife, Elliott & Page, Intact,CAA, Kingsway Financial Services, Jevco, Echelon andICPEI.Michael Mastroianni has joinedour team as Director, InternalAudit. Michael will be responsiblefor leading the Audit Team andproviding independent, objectiveassessment and evaluation aroundthe effectiveness of internal controlsand business processes. He will workwith different areas of the organization to achieve businessobjectives and will be instrumental in supporting how wecontinue to develop our internal processes and controlenvironment.Michael has worked in the audit and nance space acrossseveral industries, including government, retail, and thelast few years in insurance, at Aviva where he movedthrough several progressive roles. His most recent roleas Operational Risk and Controls Senior Manager, haspositioned him well for his role at The Commonwell.Brant MutualAiswarya Lakshmi has joined BrantMutual for a maternity leave coveragein Accounts & Administration.With her Master of BusinessAdministration from the Universityof Northampton and her Masterof Business Administration fromConestoga College she has been atrue asset. Aiswarya was born and raised in India, lived inthe UK and has now settled in Canada with her husband forthe past 3 years. Welcome to Brant, Aiswarya.

pg. 17We’re pleased to welcome Kim Factor to our team as an Underwriter. Kim brings over 25 years of industry experience to the role and we look forward to her contributions to Cayuga Mutual. Welcome to the team, Kim.Ujjwal Partap Singh joined the Cayuga Mutual team in January as a co-op student from the Mohawk College Insurance Program. In his role of Data Entry Operator, Ujjwal brings an eagerness to learn and dependability. We are thrilled to encourage his learning about the various roles insurance has to offer in our mutual system and happily welcome him to our team.Cayuga MutualMichelle Hamilton joined Cayuga Mutual in the role of Customer Service Representative and brings with her eight years of insurance experience. Michelle enjoys volunteering for Port Dover Minor Baseball, her daughter’s school, and Norfolk Hammerheads. We’re pleased to welcome Michelle.We’re pleased to welcome Nicole Bain to the role of Ofce Administrator. With eight years of customer service experience, we look forward to her career in the insurance world. Nicole nds time to volunteer in her community through the Haldimand Soccer Club and the Grand Erie District School Board. Welcome to Team Cayuga.CONNECT + COLLABORATE + GROWWe are excited to share with you events we are hosting and supporting in 2024.www.gocognition.comFrom cutting-edge technology to the latest insurance industry insight, stay ahead of the curve and network with industry experts at Cognition+ Events.Cognition+ CONNECTCognition+ VISIONCognition+ Client DayMar 20Apr 10Nov 13Toronto, ONVirtualVirtualOMIA Annual ConventionOMIA CEO ConferenceOMIA Golf TournamentOMIA P&M MeetingNAMIC Claims ConferenceNAMIC Farm Mutual ForumNAMIC Management ConferenceNAMIC ConventionCAMIC Spring MeetingCAMIC ConferenceMAMIC ConferenceMar 20 – 22May 27 – 29Jun 10Oct 27 – 29Feb 20 – 22May 22 – 24Jun 23 – 26Sep 22 – 25May 6 – 7Oct 6 – 8Jun 12 – 15Toronto, ONKing City, ONGuelph, ONOttawa, ONDenver, CONashville, TNBoston, MADenver, COOttawa, ONNiagara Falls, ONFredricton, NB

pg. 18We’re pleased to welcome John Podolinsky to our Sales Team. John is no stranger to the mutual industry, having been part of the mutual system for 14 years. We look forward to having John working locally within his community and bringing his knowledge and experience to our members. We would like to welcome two new agents to our team, Kristen Blakely and Nicole Gray. With extensive experience in the insurance industry, Kristen and Nicole are now responsible for business at Thomas Carberry Insurance (TCI). Their dedication to providing excellent service and support to their customers will provide a positive impact to the communities in which TCI operates. We look forward to seeing how they will make the business their own and connect with the community and share the benets of the mutual experience with current and prospective clients.We’re excited to welcome Camie Wright to our Administration Team. Camie brings with her a solid foundation of customer service experience and expertise. She has worked in a variety of sectors over the last 10 years and we’re thrilled to have her commitment to exceptional service and professionalism as part of Axiom Mutual. Welcome to the AFM Family, Marissa Vickers. Marissa joined the team as an Agent. She grew up in Kitchener and has resided in Brant County for the past 10 years. She currently lives on a farm in St. George. Marissa worked at a previous insurance company since 2016 where she sold home, auto, commercial and farm insurance. In her time there she became Ofce Manager as well as a Commercial Specialist. She is looking forward to getting to know the entire AFM team.Welcome to the AFM Family, Tyler Leggo. Tyler joined the team as Manager of Claims and Loss Prevention. Tyler comes to us from a previous insurance company, where he was a Casualty Claims Team Leader for a team of 10. In addition to supporting, and coaching the team, he also worked alongside them in auditing claims les to ensure internal standards and compliance measures were met. Tyler enjoys giving back to his community and currently sits on the Board of Directors for the Ayr Minor Hockey Association.Welcome to the AFM Family, Anthony Grubb. Anthony joined the team as an Agent. He grew up on a farm in Walkerton and currently resides in Guelph. Anthony has over 20 years’ insurance industry experience as both an agent and a broker, eight years of which were spent within the mutual community with a dedicated focus in southwestern Ontario in commercial and farm insurance. His focus on putting policyholders rst, along with his strong ability to build relationships, will help him continue his successful career here at AFM.Ayr Mutual Axiom MutualPeel MutualWe’re pleased to welcome Stephanie Arruda to our Claims Department. Stephanie comes to us with previous auto claims experience from a stock company and we’re thrilled to have her bring her skillset to our team at Axiom and the mutual system. The addition of Stephanie to our team will continue to allow us to serve our members with top notch service.

pg. 19Mutuals Give BackThis is How We Support Our CommunitiesHowick MutualHowick Mutual Insurance Company has pledged to donate $100,000 to the Wingham & District Hospital Foundation’s Caring Together Campaign to bring a brand new CT Scanner service to the hospital. This donation marks the end of Howick Mutual’s celebrations honouring 150 years in business. CEO Kevin Inglis stated, “It’s important for the company to give back because, after serving our community and listening to our policyholders for 150 years, we know the hospital and local healthcare matter as much to them as they do to us. We’re proud to be part of this important campaign.” Salus MutualMutuals understand the importance of supporting local and giving back. Why? Because for us, it’s personal. Salus Mutual Insurance Company is pleased to donate $100,000 to St. Thomas Elgin General Hospital’s Transforming Tomorrow campaign which will help elevate the imaging department and help purchase and install a new MRI. This campaign will also help to enhance and expand the entire diagnostic imagining suite, making improvements in CT scan, nuclear medicine, x-ray, and ultrasound.

pg. 20We were delighted to donate to Just Friends Food Bank and Community Resource Centre Bank in Stanley, New Brunswick. In a time when numerous Canadians are turning to food banks for support, we take immense pride in contributing to our community’s well-being. It’s our commitment to lend a helping hand whenever and wherever we can.Stanley MutualOur incredible team at Stanley recently rocked the 20K Sock Day challenge, donating 100 pairs of new socks to help the over 200,000 Canadians who experience homelessness every year. For more information visit www.20ksockday.comWest Wawanosh MutualWe’re very pleased to support the Bluewater Regional Science and Technology Fair by sponsoring the Natural Sciences award and are honored to play a part in nurturing the talents and passions of students their community.YOUR FORENSIC ENGINEERING ALLIESUnearth 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 prides itself on the cultivation of client relationships and unparalleled investigative expertise.Clear. Effective. Partners.cep-experts.ca

pg. 21Trillium MutualWe remain committed to the growth and sustainability of rural Ontario and we recognize our opportunity to support organizations that contribute so much back to our communities. The ROOTS Council is proud to share the following donations:• $5,000 towards a new lighting system at the Hope Haven Therapeutic Riding Center in Markdale. • $15,000 towards the Optimism Place Women’s Shelter and Support Services expansion of their current location. • $20,000 towards a new CT Scanner at the Saugeen Memorial Foundation. The new equipment will provide improved care for all community members. Our community Support team has donated towards the completion of ten books with listings of businesses from rural communities. The records date back to 1864 through to 1927 for each of the ten towns, including Listowel, Formosa & Chepstow. Author Kevin McKague delivered printed copies to our President & CEO, Tracy MacDonald. Kevin’s family has lived in Bruce County since 1855. Along with being the Canada Research Chair in Social Enterprise and Inclusive Markets, he is an Associate Professor of Entrepreneurship & Strategy at the Shannon School of Business, Cape Breton University and the recipient of the Governor General’s Gold Medal for academic achievement.We’re pleased to offer our staff the opportunity to volunteer with an organization that is meaningful to them each year. The organizations our staff work with vary widely, but all share a common goal of supporting the communities in which we work and live. • Erika volunteered at It Takes a Village. She encourages our staff to take the time to understand the diverse groups that rely on this organization for survival. • Mike volunteered at the St Mary’s and Area Community Dinner. He dedicated himself to preparing, serving, and cleaning up after 85 meals. The proceeds from the dinner were sent to the local food bank. • Mathieu, generously volunteered their time to assist with the Annual Listowel Santa Claus Parade.• Brittney and Bettina dedicated their time to volunteer at the Salvation Army. Their day involved sorting and packing donations to help those in need.

pg. 22Special Olympics Team Ontario Floor Hockey Team won gold at the 2024 Winter National Games in Calgary! Our very own Todd DeSilva has been the head coach of the London Blazers since 2022, along with providing support as the Public Relations Coordinator for the London Branch, co-hosting their podcast “Guardians and Gladiators”, and also coaching their powerlifting, track and eld, and volleyball programs.The London Blazers have been together around 20 years. They qualied for the National Games (a rst for them), ew to Calgary, battled injuries and illness, and after a lifelong dream for some of the athletes, were able to win Gold at the National Games becoming the best team in Canada for Special Olympics Floor Hockey.An outstanding achievement! Please join MutualONE in congratulating Todd and the London Blazers!Staff from OMIA and Farm Mutual Re were pleased to attend the Conestoga College Industry Night in February and Fanshawe College Career Opportunities Fair in March. Christine Senior, Mandy Hetherington, and Nicole Hackney met with students and shared what it means to work in the mutual system: community, opportunity, variety, and work life balance. It was encouraging to see many of our member mutuals on hand sharing the mutual difference too. MutualONESharing the Mutual Difference

pg. 23The mutual community is passionate about AgScape and its contributions to factual, balanced, and curriculum-linked food literacy programs and resources to Ontario’s students.OMIA is pleased to offer sponsorship to AgScape on behalf of Ontario Mutuals.AgScape continues to increase their reach, and reported the following in 2023:1,036,696 Agriculture & Food Educational ExperiencesOntario Mutuals are Proud to Support AgScape37 thinkAG Career Competitions24 Live Streamed Events58.3K Educational Experiences Through Career Exploration Events621 Teacher Ambassador Program Lessons Delivered3K Classrooms Reached Through Resources“It was nice to work with students to teach them about different career paths related to agriculture. The students were highly engaged, asked thoughtful questions and overall the day was a lot of fun!” - Industry VolunteerLearn more at AgScape.caNova MutualCollectivdeWe exed our trivia skills in support of an amazing cause at Art with Heart Studio’s 2nd annual Trivia Night. This entertaining evening was in support of their scholarship program, which we actually started with them as their very rst corporate sponsor. We were proud to keep the support going, allowing them to provide inclusive, barrier-free access to arts programming for ALL Norfolk County youth, encouraging them to Inspire, Create, and Motivate. Our ‘Super Nova’ team took home the ‘Good Try Award’ and enjoyed this great community event together.Giving back to our local communities is a core pillar of Collectivde, as our mission is to become a force for collective good in the communities we serve. In 2023, we continued our commitment to giving back via the Collectivde Community and Charity Committee, which matches the donations to local causes, organizations, and initiatives that impact the communities of both Collectivde and our broker partners. As a result of this program, we matched over $6,300 to various charities and community initiatives that matter to our employees. One highlight was our team volunteering at the Cambridge Food Bank during the holidays. We were also proud to donate $2,500 to the food bank to support their mission of helping the local Cambridge community. We look forward to seeing all the great initiatives we’ll support in 2024!

pg. 24North Blenheim MutualWe believe in making a positive impact in the communities we serve, and we remain committed to supporting initiatives that enrich and strengthen the fabric of our society. Community involvement is at the heart of everything we do and we’re proud to have recently supported the following local organizations:• Five local youth hockey teams, recognizing the importance of supporting young athletes and promoting healthy lifestyles. Gold sponsorship of the Theatre Program at Triple Arts Studios in Bright. We’re committed to nurturing creativity and cultural enrichment within our community.• Winter Clothing Drive for Operation Sharing in Woodstock and a Holiday Food Drive for the Blandford Blenheim Food Bank, ensuring that those in need receive essential support during challenging times.• A donation to Optimum Place in Stratford to support their important work in our community.• Co-hosted a Fire Prevention Day with the Bright Fire Department, prioritizing community safety and education.• Participated in and supported four local Santa Claus Parades, spreading joy and festive cheer throughout our neighborhoods.• Lastly, we take immense pride in our sponsorship of the Innerkip Central School new playground project, investing in the well-being and enjoyment of future generations.Lambton MutualThis past holiday season we asked policyholders who were able to donate a non-perishable item to us to transport to the Watford food bank. As a thank you, we gave those families a gingerbread house kit to build together. In total we gave away 100 gingerbread house kits and collected a full car load of donations, which our local food bank was very thankful for. This is the best of neighbours helping neighbours and spreading holiday cheer!

pg. 25Maple MutualMaple Mutual was proud to sponsor the Dresden Kings Pink Jersey campaign. Pink jerseys were auctioned off to raise money for cancer awareness. Over $1,000 was raised.Members of Maple Mutual, the Dresden Kings, past alumni and cancer survivors were on hand to watch Dresden get the win on and off the ice. Staff of Maple Mutual & Dresden Foodland were on hand to present 2023 CKSY Fall Haul Winner, Amy Laprise with her prize of $10,000 of Groceries. We sponsored the groceries category, and Amy chose our very own local Dresden Foodland to spend her prize!Maple Mutual President & CEO Dean Muharrem and R.S.D Maintenance & General Contracting Inc Owner/President Dustin Ryan are proud sponsors of Chatham-Kent Barnstormers. They’re pictured above with Spencer Marcus, the rst player in the history of The Barnstormers. Congrats Spencer.We were proud to participate in Dresden Sidestreets Festival of Trees.Our Chief Christmas Elf Lisa Camillo produced a truly beautiful tree, which was loaded with gift certicates from local Dresden merchants.All trees were on display at Dresden Side Streets during the Dresden Christmas Night Market and helped raise over $6,500.We were proud sponsors of the Wallaceburg Chamber of commerce Technology Award. The winner for 2023 was “All Ears”.Maple Mutual “MISFITS” took the plunge again this year, raising over $3,200 for the Special Olympics. It was -9 on the day of the plunge. Congrats to these brave souls.

pg. 26IntroducingCommunities Thrive Through Co-operationTo learn more, or make a donation, visit www.co-unity.orgCo-Unity is committed to supporting innovative educational programs that promote co-operation, collaboration, critical thinking, and inclusivity. Through the support of summer camps, classroom workshops, and other educational sessions, Co-Unity will strive to create opportunities for everyone to learn about the sector, regardless of background or circumstance.A group of co-operative champions began working on this initiative back in 2020, led and supported by the dedicated staff at the Ontario Co-operative Association.They engaged co-operatives, Educators, Co-operative Young Leaders (CYL) Supporters, and Alumni to build what is now Co-Unity Education Co-operative.The co-op received its ofcial charitable status from the CRA in July 2023.The Commonwell MutualThe Commonwell is proud to share and celebrate the results of this past year’s philanthropy progress via our 2023 Impact Report, a comprehensive collection of powerful video stories, insightful commentary, and compelling statistics.These combined elements demonstrate the tangible change The Commonwell brought to the communities we serve.One of the key factors contributing to the success of these programs has been the active participation of over 5,000 families in the SEEDit program and the dedication of 100 community-based organizations that submitted L.E.A.F. applications. The collaboration with numerous broker partners has also been a driving force behind the initiative’s success in growing food security in communities across the province and building meaningful connections with Members.Tim Shauf, CEO of The Commonwell stated, “Our Impact Report tells the story of how our SEEDit and L.E.A.F. initiatives are ensuring that more families, individuals, and organizations across the province can build capacity for what is to come.” By shining a light on these efforts, we hope to proliferate the collective good that mutual insurance companies contribute to communities across Ontario. Giving back is as mutual as it gets. View the Impact Report and hear stories from the incredible organizations supported by them by visitingwww.thecommonwell.ca/impact2023.

pg. 27We love connecting with our community and supporting the organizations that matter. We’re very pleased to have been able to offer support in the following ways:• We’re Platinum Sponsors of the Chatham-Kent Barnstormers Baseball Club in their inaugural Intercounty Baseball League season. We’re also excited to be their main broadcast sponsor and to have the broadcast named after Kent & Essex Mutual Insurance. Let’s play ball!• After years of participating in and supporting the Hike For Hospice event organized by the Chatham Hospice, we’re excited to be the event’s Platinum Sponsor, which will see us as the exclusive sponsor of the family festival leading up to the hike.• We were excited to participate in the 2024 Chatham-Kent Farm Show with four of our broker partners, Lundy Insurance, BrokerLink, HUB and Insurance Store. We enjoyed engaging with our policyholders and the public at the event.• We joined hands with our broker partner, BrokerLink to sponsor the Music For the Mind concert which aimed to raise funds for various community-based mental health initiatives.• Kent & Essex staff came together to donate food, toiletries, and groceries to support those in need at FreeHelpCK.• FreeHelpCK has always done amazing work in our community. Started as a mission that provided gifts, food, coats and blankets to people in need, the organization has expanded its community-centred programs over the years. Together with BrokerLink we donated $2,000 to FreeHelpCK so that they can continue to bring positive impacts to our community.• We kickstarted our New Year as the Main Sponsor of the 2024 Ontario Agricultural Conference - SWAC at the University of Guelph, Ridgetown Campus. We had a booth at the conference and handed out various Kent & Essex giveaways.• During the holidays, we teamed up with our broker partner HUB International Ontario to donate $17,435 to various organizations in Windsor-Essex. We hope that this donation will help them continue doing amazing things for the communities we work, live, and serve in.• Once again as an annual end-of-year tradition, we gifted sets of plush blankets and pillows to the youths at Linck, which is an inclusive and trusted local resource that supports families at all life stages. We love hearing how much they look forward to our gifts every year.• Remembering our seniors and the sick during the holiday season, we teamed up with radio station 99.1 CKXS – Chatham-Kent & Lambton County’s Music Variety to spread the holiday cheer through Project Poinsettia by delivering poinsettias to the local senior care homes, retirement residences, Chatham Hospice and hospitals throughout Chatham-Kent.• To raise money for local non-prot organizations, we linked arms with our broker partner Lundy Insurance to set up a farm-themed Holiday Tree at the Merry Magic event. There were over 20 themed holiday trees up for display which were given away to the winners of ticketed draws.Kent & Essex Mutual

pg. 28HTM InsuranceIn November 2021, HTM suddenly lost a valued member from our claims department. His passing was a great loss to his young family and to all of the HTM staff. Brandon was in the process of building a new home at the time he passed away. Brandon’s wife, Chantelle, and Habitat for Humanity approached us to partner on Build for Brandon. From October 31st to November 4th, over 50 volunteers from HTM Insurance along with friends and family honoured the memory of Brandon by committing over 400 hours towards getting the main oor ready for the second level oor system to be installed on a seven-unit building. We were proud to be part of giving seven local families the opportunity of home ownership.In addition to supporting the build site, HTM Insurance participated in our Team Build Challenge peer-to-peer campaign which raised over $10,000. During this week, the team took a pause to host their annual curling bonspiel at the West Northumberland Curling Club. With the wonderful support of our brokers and business partners, we also helped raise money for our build. All participants brought an unwrapped toy as well. The toys were donated to the Salvation Army Christmas Hamper program.The overall total of the funds raised by HTM Insurance has not been released but we appreciate all that they were able to contribute, on and off the build site.Heartland MutualWe’re pleased to report that our 2023 iHeart Community Fund provided over $200,000 to the communities we serve. These funds are directed annually to four areas of focus: Health & Wellness, Safety & Prevention, Skills & Education, and Community Supports. Last year’s funds went towards those affected by storms and forest res in Atlantic Canada, food banks in both Ontario and Nova Scotia, children’s education programming and scholarship programs for young adults. We’re looking forward to this year’s campaign kicking off soon!

pg. 29Farm Mutual ReThe 2024 Farm Mutual Re and OMIA Bonspiel at the Guelph Curling Club was a great success! Participating members had great fun competing on the ice and raised $1,775 for the Farm Mutual Foundation. There was a tie for rst place between The Rolling Stones and Lords of the Rings with 41 ¾ points. All members of the winning teams brought home some steak. Clean Sweep, on the other hand took home ground beef as a consolation prize for their last place nish.Tied for rst place, The Rolling Stones and Lords of the Rings. Left to right: Van Darling, LeighAnne Bentley, Diana Moore, Fason Vernooy (Rolling Stones); Glen Taylor, Gerry Sullivan, Krista Seiling, Stephanie Russell (Lords of the Rings), and presenter John Taylor. Team Clean Sweep from left to right: Jean-Pierre Gagnon (presenter), Jonathan Stephenson, Jessica Buck, Jodi Meiring, Shawn Corrigan, and John Taylor (presenter)Caradoc Townsend Mutual Our CTM Care Committee oversees the charitable donations made by CTM to organizations that align with our values and benet our members and residents of our local communities. We recently updated ’s mandate to established new pillars of support, which include:• Support for Food Security• Support for Mental Health initiatives• Support for other Healthcare providers• Support for Seniors• Support for vulnerable people, including domestic violence victims• Support for other community initiatives, including agricultural-related societies and support groups, local fairs and youth opportunities, and sports and education, that ensure the development of our most important resources. We were thrilled to become a studio sponsor for a great local company, ArtwithHeart, which runs programs and events for local kids to inspire their love of all things art. We’ve also committed to being a major sponsor of The Invasion of the Dragons dragonboat race, which benets the Cancer Support & Resource Centre in Norfolk County. The CTM Care Crew even had a chance to compete in a fun-lled day of dragonboat races.We were also happy to support The Coldest Night of The Year, which helps charities serving those experiencing hurt, hunger, and homelessness. The new CTM Care Committee mandate also helped us expand our existing scholarship program to ease the nancial burden of post-secondary school students who have shown a commitment to academic excellence and volunteerism.

pg. 30Edge MutualEdge Mutual partnered again with the Drayton Kinettes for their local toy drive for the Drayton Food Bank and with the Childrens Foundation of Guelph and Wellington’s Christmas Adopt-a-Family Program. We were also pleased to support the Big Brothers Big Sisters of North Wellington Bowl for Kids Campaign.Axiom MutualOur 2023 Director’s Cut campaign collected a very generous donation totaling just over $21,000. The donations raised were split equally between three local food banks: Strathroy Salvation Army, Ailsa Craig and Area Foodbank, and the Huron County Food Distribution Centre. The planning for the 2024 growing season for the Director’s Cut is already underway and we look ahead with anticipation towards this year being our biggest donation yet. This year’s harvest donation will include the 40 acres owned by Axiom that are located behind our Zurich Ofce location. The prot from this crop will be donated to our local area foodbanks to help ght against the ever-growing food needs throughout our communities. Our goal is to grow this project throughout the mutual system. Look for our promotional video that will be coming out shortly!

pg. 31Ayr Farmers MutualWe were pleased to host our rst ever Pumpkin Giveaway this past fall.We invited the local community to come to our ofce in Ayr to enjoy warm apple cider, local apples, and fall treats. Our friends at Moore Farms supplied the picture-perfect pumpkins and we were so happy to see them displayed on porches across the community! This was the rst time pumpkin picking for some families, and it warms our heart to know we had a part in that. Ayr Farmers Mutual Green Committee hosted their annual Fall Roadside Clean Up on October 4th. The team gathered and hit the streets of Northumberland to clean up garbage. We lled over 10 bags of garbage! Afterwards, we enjoyed a delicious lunch, including soup from The Raw Carrot. Thank you to the team for helping make our neighbourhood a more beautiful place to live and help to protect rivers, streams, and wildlife. Staff recently volunteered at Food4Kids Waterloo Region, helping package 970 individual bags of baby carrots that were distributed to children living with chronic hunger. Food4Kids Waterloo Region provides healthy food packages to children ages 1-14 from severe food insecure homes during weekends and school breaks, when kids are not in school and unable to access school nutrition programs. Consistent hunger, even just over weekends and extended school breaks, can set a child back for life. Most people aren’t aware that there is a signicant number of children living with chronic hunger in our community. To learn more about Food4Kids Waterloo Region, visit www.food4kidswr.caThe holidays are all about giving back, and we’re so proud of the Ayr Farmers Mutual team for their incredible contributions to the 2023 end or year food and clothing drive. We were able to spread joy to many local families this holiday season thanks to their generosity and efforts! In partnership with Neighbours Helping Neighbours Ayr and North Dumfries, we were able to help “Keep Ayr Warm” through the winter. We collected cold weather essentials like gloves, winter hats, socks, scarves, and items that will warm families up from the inside out, like soup, coffee, tea, and hot chocolate.Last year, our employees committed to a minimum of 525 community volunteer hours and exceeded that goal with an astounding 787 hours of service in our communities! This included many environmental initiatives within the community including roadside clean up, growing a vegetable garden and donating the food to various user groups, education from the Region of Waterloo on reducing waste, and a local Horticultural Society showing us how to start a vegetable garden. Here are some of the ways our team members gave back:

pg. 32Ontario Mutuals are long time supporters of the Rural Ontario Institute’s (ROI) Advanced Agricultural Leadership Program, an 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.This year, we’ve extended our support to the ROI’s Rural Change Makers Program, which shapes emerging leaders in rural Ontario to lead community development solutions with their communities. This group of change makers is building rural development solutions in over 25 rural Ontario communities, from southwestern, eastern, central, northern and northwestern regions. Over 85% of the change makers are equity-deserving youth working together to give back to their communities and improve the lives of others, with over 10 youth leading projects in southwestern Ontario.The group marked the halfway point in their leadership journey with an Ignite Action weekend in Huron County in January. At this event, young leaders practiced leadership skills they have been building since the fall of 2023, and began to formulate their action plans for the community economic development portion of their program.It was a wonderful and productive weekend with valuable contributions from attendees, as well as mentors and coaches like Community Futures Huron and Huron County leaders. The change makers are undertaking social enterprise, business or non-prot start ups that meet community needs - from mental health and addictions to newcomer attraction, agricultural enterprise, child care and youth programs, food security, Indigenous programs for elders and youth, literary and LGBTQ2+ festivals, cloud kitchens, environmental and climate action initiatives, lm documentaries, and business succession planning.The ROI will be connecting with more change makers over the coming weeks in regular coaching sessions to further develop their project pathways and support them throughout their community works. We’re excited to celebrate these achievements in the work of these amazing emerging leaders, and the impact of your gifts and contributions that are instrumental in coaching these dreams toward action.Discover more at ruralontarioinstitute.ca/changemakers“Thank you again for your sponsorship. I want to tell you how AALP made a personal impact on me. I spent eight years on the road as a long-haul driver, hauling livestock all over North America. I enjoyed my job and learned a lot of real-life lessons on the road. My joke is I went to “life university.” After six years on the road, my best days were when absolutely everything went wrong - I had to use my brain and problem solve.I started my AALP journey with no intentions of leaving my driving job. Through the rst two seminars and learning from the workshops and my classmates, I identied that I needed a change. I applied for a job at Skills Ontario as their Mobile Classroom Driver and Program Facilitator - I was a successful candidate.I still use my higher-class license but now teach students about the skilled trades through experiential learning. I came on just in time to help launch that program. The rst year I saw over 40,000 visitors with students from 408 schools.My program had such demand that we put in a proposal to the government to get funding to build three more. We received the funding and I was offered a promotion to be the Manager of the “Trades & Tech Trucks Program” which oversees the government Skills Development Fund project for the three new units. If it wasn’t for AALP I would not have the skills to be where I am. Thank you again.”Ontario MutualsAdvanced Agricultural Leadership Program Member Testimonial

pg. 33The Grow Our People Unconference is designed to help those who work in agriculture and food in Canada – to build new skills, grow deeper networks, and gain a renewed sense of enthusiasm for our agri-food sector. “We call Grow Our People an ‘unconference’ experience as it’s unlike any other event in agriculture,” shares Brenda Trask, event co-founder. “We created it to bring people together from across sectors with a focus on people and skills, and have some fun at the same time.” Register yourself, your board, or your team today.Find out more at www.loft32.ca/growourpeople. Ontario Mutuals proudly sponsor the Co-operative Young Leaders (CYL) art project. Each year, the artwork project focuses on a different co-operative principle. Last year, the CYL paid tribute to Principle 4 – Autonomy and Independence. Campers thought about what the words autonomy and independence mean and how a co-operative can balance this while ensuring that they remain true to the co-operative principle and the needs of everyone. As you can see from the artwork below, many felt that it was important to respect everyone’s view and their need for autonomy; The most important thing was working together for the good of the co-operative. CYL used the rings as a symbol of the Olympics where the world competes for their country, but all come together to share in the experience and cheer each other to victory. This year the artwork project will pay tribute to Principle 2 – Democratic Member Control. CYL will be producing a gratitude chain where participants and facilitators will talk about democracy, advantages to being a member and what role democracy plays in our cooperatives and society in general. CYL is a series of week long summer camps for young people ages 13 to 18. This unique experiential learning program brings together youth from across Ontario to develop their leadership and communication skills in a fun, safe, and secure environment. Participants develop self-condence, learn from inspiring guest speakers, and have fun with traditional camp activities set in a non-judgmental atmosphere. Since its inception in 1967, over 3,800 young people have gone through the program, thanks to all the amazing organizations that have supported it over the years!Visit www.ontario.coop/co-operative-young-leaders

pg. 34Appointments & Positions ChangesTransforming the MutualsTrillium MutualWe’re thrilled to announce that Derek Mendez has joined our Board as the newest member. Derek has been an active part of Trillium’s ROOTS Community Fund for the past couple of years and his experience in the agricultural and business industries makes him a valuable addition to our Board. With his keen focus on innovation, technology, and compliance, Derek’s guidance will be instrumental in shaping our Board’s strategic planning for the future.Derek will be replacing Board Member and former Chair, Ben Rier who has been a director since 2009. His agricultural and business acumen have provided our team with valuable guidance and leadership over his 15 years with our organization! Please join us in thanking Ben for his service over those years.Heartland MutualVanja Popic-Imamovic has been promoted to the position of Manager, Finance at Heartland Mutual. Vanja has been with Heartland for ve years leading the billing team and recently took on the role of Ombudsperson. Her good nature and sense of humour, along with her willingness to step up to any challenge, has allowed her to be a successful leader and build strong relationships with her colleagues. Vanja was instrumental in implementing the Guidewire Billing Centre and she continues to be a strong Billing Centre resource for the company. Caradoc Townsend Mutual Ian Pickles recently accepted the role of Project Leader at CTM. For the past ve years, Ian has been the Manager of Agency Business Development at CTM, working with our agents and Customer Services Representatives to support clients and grow our business. Ian’s new role will focus on dening, planning, tracking, and managing the projects to support CTM’s strategic plans in 2024 and beyond. Ian is looking forward to this new challenge and to helping CTM succeed!

pg. 35Congratulations to Nick Ainsworth on his promotion to Personal Lines Underwriter. Nick began his insurance career at HTM almost three years ago as an Underwriting Admin and has progressed with a positive attitude, and is on track to completing his CIP.Congratulations to Kiley Binkley on her role change to Claims Adjuster. Kiley started at HTM in the Underwriting department and felt her calling was in helping our clients at the ground level, so she made the move! Kiley has been working in the industry since 2002. We’re pleased to share that Christine Senior has been promoted to Manager of Training and Education. Christine began with OMIA 15 years ago as a Training & Research Ofcer and has been Supervisor of Training and Education for just over two years, during a time of great expansion and development in OMIA’s education offerings. Member education will continue to be a critical element of OMIA’s “Resource Centre” strategic pillar, as we add new team members and build on the excellent foundational work of the education team. Congratulations, Christine on this well deserved promotion.We’re pleased to share that Jackie Roy has been promoted to Manager, Regulatory Compliance Programs. Jackie joined our team as our Compliance Resource Ofcer in 2019 and has extensive experience in insurance, privacy, risk management, complaints handling, compliance, and management. Jackie has shown tremendous member focus in responding to member needs as they relate to growing compliance needs. We look forward to continued success and progress. Congratulations, Jackie.OMIAThe CommonwellMiki Paczek has moved to the Finance and Risk team on secondment as Director, Enterprise Risk Management & Sustainable Development. This new role is responsible for leading and implementing The Commonwell’s risk strategy and will also work alongside the CEO to develop and implement strategies that align the The Commonwell’s operations, initiatives, and goals with the United Nations’ Sustainable Development Goals (SDGs). Since joining The Commonwell in 2014, Miki has worked across various areas, including Regional Manager, Communications and Brand, and her most recent role as Director, Sales & Distribution. Her experience will position her well to support the continued focus and evolution of Risk Management and The Commonwell’s sustainability plan. Carol Lam, Director, Claims has moved to this new role and will be responsible for leading our Claims Team. Carol’s leadership responsibilities will include building and leading the vision, strategy, and direction of the claims department to ensure the continued development of a highly effective team that is aligned to our business priorities. Carol has worked in the claims and optimization spaces for the last 14 years with various insurance companies and nancial institutions. Most recently, she was leading the Optimization team at The Commonwell and has been instrumental in the execution of continuous improvement and successfully expansion of our controls and implemented several end to end process reviews. HTM Insurance

pg. 36Andre Lanois has moved from ourUnderwriting team to the role of LossPrevention Specialist. Andre is nostranger to this line of work, havingrst joined Grenville Mutual yearsago as a contract Claims Adjuster,then Underwriter and nally as a RiskAssessment Specialist before movingto the same role at another mutual. Andre then rejoinedthe company in 2021 as Senior Agribusiness Underwriter.OMAPRachel Vandecaveye has beenpromoted to the role of SeniorProduct Analyst with OMAP. Racheljoined Farm Mutual Re as a ProductAnalyst in April 2022 and has been avaluable asset to the OMAP team.Congratulations, Rachel!Ayr Farmers MutualStephanie Hastings has been selectedas the successful candidate for thenew role of Customer Experience &Compliance Manager after joining usas a Claims Representative in 2022.This role will support our ongoingcustomer service standards andregulatory compliance initiatives andwill help us to proactively create, develop, evolve, measure,and monitor our policyholder experience and support ourinternal and external compliance practices.Alan Johnston has moved intothe new role of Data and BusinessAnalytics Manager. Alan will serve as aprimary liaison for all matters relatedto data, business intelligence, anddata source integration, streamliningcommunication and collaborationacross all departments. He willdevelop and articulate a long-term vision and strategyfor the progression of AFM’s data systems and utilization,ensuring alignment of organizational goals.Bobbi Chapman has been promotedto the role of Manager of Distribution.Bobbi has been leading our newerAgents since joining AFM and hercaring approach is a great reection ofAFM and the Mutual Way.Bryan M. Hickswww.bryanhickslaw.caProviding legal solutions to Ontario Mutuals since 1997.Barrister & Solicitorbryan@bryanhickslaw.ca(519)369-0979•  Claims: Opinions re Coverage, Liability & Damages; Settlement Assistance. Litigation defence in Walkerton & Owen Sound Courts Only.•  Underwriting Opinions & Wordings Review•  Governance & Compliance Consulting & EducationGrenville MutualWith the retirement of DianeCarriere late last year, CarolynBenton has moved into the role ofOfce Manager, having been ourOfce Administrator. Beth Milne isstepping in as Ofce Administrator.Congratulations, Beth.

pg. 37MutualONEWe’re excited to announce that Brittany Sikesdi has been promoted to the position of Manager of Accounting Services. Since joining us two years ago, Brittany’s enthusiasm for her role in accounting, along with her team spirit and advocacy in fostering strong community relationships has enriched our company in many ways. Congratulations, Brittany! Cheri Hoggart’s passion for the mutual system is on display in everything she does. Over the past few months, she has taken on the mammoth task of successfully merging two systems while still completing her ‘other’ job of ensuring the accounting department at one of our legacy companies, McKillop, was accurate and ready for year-end. She is an integral part of MutualONE’s Management Team, and we’re very excited to announce Cheri’s appointment to Manager of Technology and Innovation. Her attention to detail will ensure we continue to provide the best possible service to our policyholders now and into the future.Danielle Dale will be taking on a new focus with MutualONE. Formerly the Underwriting Team Lead for McKillop, Danielle will be transitioning into her new role as Product and Pricing Specialist. With her underwriting knowledge and expertise, Danielle will be leading the many product and rate initiatives that will be integral to our future strategies. You deserve protection tooYou dedicate yourself to protecting your policyholders, but who’s protecting you? Secure your financial and operational future, with our help.MNP.ca

pg. 38We’re excited to announce that Heather Simpson has accepted the position of Sales Lead. Since joining Salus Mutual (the, Howard Mutual) as Receptionist in January 2019, moving into an Administrative and Agent Support role in June 2021, and most recently, taking on an Agent role in October 2022, Heather has been a valued member of our team. We are so pleased to see Heather’s growth and development with Salus Mutual. Way to go, Heather!Salus MutualCongratulations to Laura Feetham as she has accepted the position of Compliance Administrator within the Compliance department. Laura joined Salus Mutual (then, Howard Mutual) as a Customer Service Representative in June 2021, and has learned a lot about the insurance industry and become a valued member of the team.Alex Brooks has accepted the position of Underwriting Assistant. Alex started his journey when he joined us (then, West Elgin Mutual) for two co-op terms while completing his business degree at Fanshawe College. Most recently, Alex held the role of Ofce Clerk. We are beyond excited to see Alex’s growth and development with Salus Mutual.Vanessa Sloan has accepted the position of Marketing and Branding Coordinator with the Sales and Marketing team. Vanessa has been working in the insurance industry for almost 15 years and has held many different roles, from Administrative Assistant, Broker and Agent, Regional Account Manager, and Ofce Manager. Her most recent role was with out team as Multi-Line Underwriter.Congratulations, Vanessa!Trent Wayne has accepted the position of Operations Administrator with Salus Mutual. Since joining our company as Sales Assistant in January 2023, Trent has been a valued member of team. Trent has thrived in the balance of work, family, and personal passions. When he’s not immersed in his professional endeavors, Trent wholeheartedly embraces the importance of quality time with his loved ones. Congratulations, Trent!Lee-Ann Vansteenkiste has decided to embrace a new challenge with our company by taking on the role of Chief Learning and Development Ofcer. Lee-Ann brings decades of invaluable experience and an exceptional skillset, making her the perfect t for the role. While taking on this new challenge, Lee-Ann will continue to serve as our Privacy Ofcer and will become our Complaint Ofcer, her skills are also very well aligned with these critical responsibilities.Cassandra Hachey has accepted the position of Underwriting Submissions Coordinator with the Underwriting team. Since joining Salus Mutual (then, West Elgin Mutual) as Ofce Administrator and, most recently, moving to the Sales team in December 2022, Cassandra has been a valued member of the team. Richard Lee has accepted the role of Special Projects Manager with Salus Mutual. Richard has been working with us as the interim CFO since December 2022 and started his new role June 1, 2023. Thank you for your ongoing contributions to the team, Richard.

pg. 39Next Generation of Mutual Professionals ConferenceBuild Your Brand, Make Your Mark!Save the Date!July 8th-9th, 2024• Starting out your career in the mutuals?• Want to learn how to stand out in the workplace?• Looking to meet like-minded people?• Trying to grow in the mutual insurance community?Join us for two days of learning, collaboration, and skill building at 350 Pinebush Road in Cambridge ON.As our employee base grows and the business continues to evolve, Bettina Urban has been promoted to the position of Director Human Resources. Bettina will continue to work with her team to focus on Collectivfide’s people strategy to ensure it aligns to the current and future business objectives and optimizing our future structure with the upcoming capital raise. In support of our ongoing pursuit of acquiring brokerages as part of Collectivfide’s overall growth strategy, we’re pleased to announce that Phillip Downie has been promoted to the position of Sr. M&A Analyst. Phil will also be pursuing his CBV (Certified Business Valuator) designation. CollectivdeAnna Micka, Chief Human Resources Officer We would also like to acknowledge the following team members on their recent job title changes:Julia Poehlman is now Information Technology Assistant with the IT team. Since joining Salus Mutual (then, Howard Mutual) as Office Clerk in 2020, Julia has been a valued member of the Administrative team. Julia is looking forward to starting this next chapter with Salus Mutual. Roberta Giffin, Business Development & Marketing Manager Dave Balogh, Senior Technical Claims Lead

pg. 40Farm Mutual ReJessica Buck has been promoted to the role of People & Culture Generalist. Jessica joined Farm Mutual Re in February 2022 as a People & Culture Coordinator. She holds a Bachelor of Arts Degree in Psychology and Business from the University of Waterloo and recently achieved her Certied Human Resources Leader designation.Steve Korsh was promoted to the role of Senior People & Culture Generalist. Steve started his career with Farm Mutual Re in January 2016 as a co-op student and was hired full-time in April 2017 in the position of Human Resources Associate after graduating from the Human Resources Management program at Conestoga College.Benedict Su has been promoted to the role of Senior Actuarial Analyst within the Actuarial Department. Benedict joined Farm Mutual Re as an Actuarial Analyst in May 2021. Andrea Kerswill’s title changed to AVP, Innovation and Digital Enablement in March 2024. Andrea joined Farm Mutual Re in April 2021 as AVP, Innovation. With the creation of a standalone Data & Insights team, Andrea will bring her knowledge and experience to examine how we can use technology to solve operational problems or challenges, complementing the work currently being undertaken by Innovation.Karen Ilett accepted a permanent position as the Front Desk Ambassador within the Business Operations team in January. Karen joined Farm Mutual Re in May 2023 in a contract position.Sultan Shaikh accepted a full-time position as IT Technical Support in December 2023. He joined Farm Mutual Re in February 2023 as a co-op student. Sultan recently graduated from the Computer Systems Technician – Information Technology and Infrastructure Services Program at Conestoga College.Uzair Bombaywala was promoted to the role of System Administrator in December 2023. Uzair started his career with Farm Mutual Re in March 2022 as IT Technical Support. Uzair is a graduate of BMCET, Gujarat Technical University and holds a Bachelor’s degree in Electronics and Communication Engineering. Uzair also holds a Master’s degree in Electrical and Computer Engineering from Concordia University and is a Cisco Certied Network Associate.Riley Anderson accepted a full-time position as Actuarial Analyst within the Actuarial team in December 2023. Riley joined Farm Mutual Re in August 2023 in a contract position. Riley graduated from the University of Western Ontario with a Bachelor of Science specialization in Actuarial Science and has completed three P&C Actuarial exams and one Life Actuarial exam.Janeth Fernandez-Ramos was promoted to the role of Assistant Vice President in October 2023. Janeth joined Farm Mutual Re as a Senior Actuarial Analyst in October 2021. Janeth is a graduate of the National Autonomous University of Mexico with a Bachelor of Science in Actuarial Science and holds Associate of the Casualty Actuarial Society (ACAS), and Associate in Reinsurance (Are) designations.

pg. 41Course Date & NameMay 1 (1pm - 4:30pm) - Boatowners & Marine Coverage Review - Live OnlineMay 2 (9:30am - 11:30am) - Underwriting Managers Roundtable - Live OnlineMay 2 (9am - 3pm) - Human Resource Roundtable - In PersonMay 7 & 8 (9:30am - 12:30pm) - Commercial Liability Coverage Review - Live OnlineMay 8 & 9 (1pm - 4:30pm) - Personal Liability Coverage Review - Live OnlineMay 14 (9am - 3:30pm) - Legal Review Day -In PersonMay 15 (9am - 3pm) - Board Chair & Vice Chairs Roundtable - In PersonMay 15 & 16 (9:30am - 12:30pm) - Farm Liability Coverage Review - Live OnlineMay 17, 24 & 31 (11am - 12pm) - Building A Focus in a Distracting Environment - Live OnlineMay 22 (9am - 3pm) - Business Continuity and Disaster Recovery Roundtable - In PersonMay 22 & 23 (9am - 12:30pm) - Commercial Lines Auto Program - Live OnlineMay 23 (9:30am - 2pm) - Accountants Roundtable - In PersonMay 28 (9am - 3pm) - Commercial & Farm Underwriting Roundtable - In PersonMay 29 & 30 (9:00am - 3pm) - Ontario Mutual Loss Prevention League - In PersonMay 30 (2pm - 4:30pm) - Promoting Insurance to Value - Residential Dwellings - Live OnlineCourse Date & NameMay 31 (9:30am - 11:30am) - Sales Skills - Referrals - Live OnlineJune 3 (9am - 3pm) - Introduction to the Mutual System & Insurance Industry - In PersonJune 4 (9am - 3pm) - Introduction to the Role of the Director - In PersonJune 5 (9am -3pm) - Introduction to Reinsurance - In PersonJune 6 (9:30am - 11:30am) - Underwriting Managers Roundtable - Live OnlineJune 7 (9am - 12:30pm) - Insuring Residential Condo Unit Owners - Live OnlineJune 11 (9am - 12pm) - Residential Underwriting Roundtable - Live OnlineJune 12 & 13 (9:30am - 12:30pm) - Commercial Property Coverage Review - Live OnlineJune 18 (1pm - 4:30pm) - Automobile Underwriting Roundtable - Live OnlineJune 19 (9am - 4pm) - Agents Roundtable -In PersonJune 20 (9:00am - 3:00pm) - Claims Manager/ Adjusters Roundtable - In PersonJune 20 (10am - 11am) - ERM Forum - Live OnlineJune 21 (9:00am - 12pm) - Ontario Mutual Loss Prevention League - Live OnlineJune 25 (1pm - 4pm) - Personal Umbrella Liability Coverage Review - Live OnlineJune 25 (9am - 3pm) - Regulatory Compliance Roundtable - In PersonEducationMap Your Path to Success at OMIAUpcoming Sessions (subject to change). Members, please refer to www.omia.com to review a current calendar of courses offered by OMIA. Click on “Education” and then “Education Calendar.”Remember to sign up for our On Demand eLearning courses at www.omiaelearning.com!

pg. 42MilestonesRecognizing Mutual Members’ Signicant AnniversariesWest Wawanosh MutualIn December 2023, we recognized Karen Shepherd for 40 years of exceptional service with the company! Karen began her career in February 1983 as a Receptionist and over the next few years she lled roles in auto underwriting, property underwriting, and claims. In 1988, she transitioned to a full-time position in auto underwriting, where she continues to excel.Beyond her professional achievements, Karen is a devoted mother to six and grandmother to 8 (with number nine on the way!) Karen has worked with many people and fond memories include BBQ’s, corporate challenges, Christmas parties, talent shows, and summer picnics.Thank you, Karen, for your invaluable contributions over the past four decades!Trillium MutualDuring our recent Annual Staff Christmas gathering, we had the privilege of acknowledging some exceptional individuals who have made signicant contributions to our organization. We extend our heartfelt gratitude to each of them for their unwavering commitment over the years!5 Years of Service: Karen Vogels, Amanda White, Michelle Quipp, Alex Paeng, Randy Morin, Kurt Tosetto, Stephanie Wilson, Kyle Matthew, Leanne Hayes, Joan Smith 10 Years of Service: Steve Shirreff, Kyle Bross, Sandra Hehn, Andrew Dickson15 Years of Service: April Bowles, Pam McLean, Rhonda Ryan 20 Years of Service: Joanne Hayes30 Years of Service: Debbie Brick, Mary Dosman 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

pg. 43Congratulations to Darcy Johnson on his 25 year milestone with Erie Mutual. Darcy has worked in the insurance industry for 30 years, having started his career in 1993 working for the only Erie Mutual brokerage at that time, Don Cronk Insurance Broker Ltd. in Fisherville. He became an Agent for Erie Mutual in 1998, and worked out of his home ofce until 2012 when he accepted the position of Manager of Sales. Darcy’s tenure on our management team has included sales, marketing, and business development. Darcy is currently our Manager of Marketing, Communications & Business Development. Salus MutualCongratulations to Lori Kornaker for 20 years of service at Salus Mutual!Congratulations to Heather Simpson for 5 years of service at Salus Mutual!Howick MutualCongratulations to Paul Tolton who recently received his 30 Year Service Award. Paul continues to be an integral part of our Loss Prevention Team and we thank him for his contributions and dedicated service to Howick Mutual for the past 30 years. Heartland MutualPlease join us in congratulating our team members on their recent anniversaries with Heartland:5 Year Anniversary: Steven Teng, Team Lead, Actuarial Services; Vanja Popic -Imamovic, Manager Finance; Andrew Witherstone, Property Claims Specialist; Michael Vezina,Manager, Actuarial Services10 Year AnniversaryBarb Reid, Senior Commercial Underwriter15 Year AnniversaryDereck Northcotte, Risk Assessment Specialist25 Year AnniversaryPat Walker, Personal Lines Underwriter II40 Year AnniversaryHeather Beck, Manager, Direct SalesThe CommonwellThe Commonwell Mutual Insurance Group is celebrating its 10th Anniversary this year. This is a wonderful opportunity to reect on over 100 years of company history. In 2014, three like-minded and long-standing mutual insurers formed The Commonwell in the name of protecting individuals, together. Rooted in the belief of the common good, shared optimism, and ongoing support, the name, The Commonwell has become synonymous with trust, reliability, and sustainability. CEO Tim Shauf likens the concept of The Commonwell to a vital community resource – a common well – where people gather to draw water collectively, essential for sustaining life. Tim asserts, “There is no community that can exist or persist without a reliable water source. The ‘common well’ encapsulates the idea of individuals converging at a shared source to secure the sustenance of life.” This analogy is as close an approximation to the essence of Mutuality as you can get - fostering community, restoration, life protection, and a long-term focus. Reection is as crucial as setting a vision for the future, and for The Commonwell, that means a strong commitment to continued growth and scale, ensuring exceptional value for our members.Erie Mutual

pg. 44Congratulations to Terry Knight on an incredible 30-year journey with North Blenheim Mutual! Terry’s dedication, passion, and leadership over the past three decades have been truly remarkable. Starting as a claims adjuster in 1994, Terry quickly proved his expertise and dedication, spending a decade ensuring fair and efcient claims settlements. His hard work did not go unnoticed, leading to a well-deserved promotion to Assistant Manager, where he demonstrated exceptional leadership skills for a year. Terry’s commitment to excellence and his ability to inspire others led to his promotion to CEO, a role he has excelled in for the past 19 years. Under Terry’s guidance, North Blenheim Mutual has thrived, achieving new heights of success and earning a reputation for integrity and excellence in the industry. His vision, strategic thinking, and dedication to the company’s mission have been instrumental in shaping our organization’s success. Here’s to 30 years of hard work, dedication, and leadership, and to many more years of success ahead. Congratulations, Terry, on this remarkable achievement!North Blenheim MutualCongratulations to Manuela Reimer on reaching the milestone of 10 years with North Blenheim Mutual. Manuela’s decade of dedication and commitment to our organization is truly commendable. Throughout her journey, she has showcased remarkable versatility, spending two years in administration, four years excelling in auto underwriting, and the last four years demonstrating her prociency in accounting. Manuela’s adaptability, combined with her strong work ethic and expertise, has been invaluable to our team and has contributed signicantly to our continued success. Here’s to many more years of success and accomplishments together. Congratulations once again to Manuela on this milestone!Congratulations to Amanda Johnson who celebrated 5 years with North Blenheim Mutual. Starting as a Customer Service Representative in 2019, Amanda quickly established herself as a valuable asset to our team, providing exceptional service and support to our clients. Her strong work ethic and attention to detail did not go unnoticed, leading to her transition to a Property Underwriter role, where she has continued to excel for the past three years. Here’s to many more years of success and achievement with North Blenheim Mutual. Congratulations once again, Amanda, on this well-deserved accomplishment!Congratulations to Reg Voisin on an incredible 25 years of dedicated service as an Insurance Agent with North Blenheim Mutual! Reg’s quarter-century journey with our company is a testament to his unwavering commitment, expertise, and passion for serving our clients. Since joining us in 1999, Reg has consistently gone above and beyond to meet the needs of our insureds, providing them with personalized solutions and exceptional support. His deep understanding of the insurance industry, coupled with his dedication to building strong client relationships, has been instrumental in our company’s success and growth over the years. Here’s to 25 years of achievement, and to many more years of continued success and prosperity with North Blenheim Mutual. Congratulations once again, Reg, on this signicant accomplishment!

pg. 45Heartland MutualHeartland Mutual Insurance is turning 150 on June 9th, 2024! Our roots in Waterloo run back to 1874 when a group of farmers formed North Waterloo Farmers Mutual Fire Insurance Company. Heartland is proud to be celebrating our 150th anniversary this year and will be honouring this special achievement throughout the year with our staff, broker partners, and community. Follow us on our social media channels to keep up to date with our ongoing celebrations. Pat Walker is celebrating 25 years with Heartland Mutual Insurance, and retired from the company on March 31st, 2024. Pat joined the company, at that time Kings Mutual Insurance, in 1999 as a processor. Through her years with us, she has worked as a processor, claims adjuster, and as an underwriter. The strength of Pat’s relationship-building along with her underwriting prowess was displayed in 2023 when she was nominated as Insurance Company Representative of the Year through the Insurance Brokers Association of Nova Scotia, and won Underwriter of the Year through the Canadian Broker Network.Pat has always been a helping hand to the Underwriting team. She has mentored many staff members over her insurance career and has helped her colleagues through two amalgamations and two system conversions. Pat has a strong sense of community and has helped organize ofce food drives and captain CIBC Run for The Cure teams. Pat, on behalf of everyone at Heartland, we thank you for your dedication over the years and we hope you enjoy this next chapter!In 2023 alone, severe weather resulted in $3.1 billion in insured losses,according to the Insurance Bureau of Canada.Be flood smart this spring!FLOODSMARTCANADA.CAHelping Canadians Prepare for FloodsScan herePartners for Action (P4A) is a research initiative that seeks to empower Canadians to become floodresilient by promoting awareness and preparedness actions that are inclusive and evidence-based.FloodSmart Canada is one way P4A is taking action to better educate and prepare Canadians.uwaterloo.ca/partners-for-actionHelp your community to know their risks and be prepared:

pg. 46Germania MutualCongratulations to Krista McNamara, Farm & Commercial Underwriting Lead and Lauren Gould, Underwriter on celebrating ve years with Germania. Thank-you for all that you do.Congratulations to Todd Fortney, Manager of Claims & Loss Controlon celebrating 10 years with Germania. Thank-you for all that you do.Congratulations to Lynn Jollymore, Underwriter on celebrating ve years with Germania. Thank-you for all that you do.Congratulations to Mike Zions, Database Administrator on celebrating 10 years with Germania. Thank-you for all that you do.The law rm Madorin, Snyder LLP has changed its name to Bennett Grant LLP. We’re grateful for the contributions of both H. Wayne Snyder and W.H. Peter Madorin to the history of our rm. There will be no change to our contact information, staff or lawyers.Our same dedicated team will be available under the new name. We thank you for your continued support and look forward to providing you with legal services under the name of Bennett Grant LLP for many years to come. Tel: 519.744.4491 Toll Free: 1.800.387.6419 Email: info@kw-law.comYour Mutual Insurance Partner for Over 60 Yearswww.kw-law.comCorporate:Litigation:Coverage Issues: Employment: Steve Grant, Ross WeberJamie Bennett, Leanne WayTed DreyerRob Bickle

pg. 47AccomplishmentsCongratulating Mutual Members on Professional DevelopmentUsborne & Hibbert MutualCongratulations to Andrew Carruthers, CIP for completing the Insurance Institute’s Commercial Insurance Certicate. Andrew has an extensive background in sales and joined U&H in 2018 as an agent. Andrew was instrumental in the implementation of Applied Epic a few years ago and is a valuable member of the sales team. Nova MutualWe’re so proud to congratulate our Intermediate Agribusiness Underwriter Logan Baer (centre) on his recent accomplishments. After much hard work and dedication, Logan has earned his Chartered Insurance Professional Certication, as well as a Risk Management Certicate, achieving Top RMC Grad in 2023 for the Southwestern Ontario Chapter! Congratulation, Logan on your hard work paying off on these amazing achievements.

pg. 48MutualONEThis trio is an excellent example of how hard work and commitment resulted in the following achievements.• Stephanie Wells achieved her ACIP designation along with being presented as the top ACIP Southwestern Ontario graduate. Way to go, Steph!• Tianna Noyes received her CIP Designation• Karem Merhi received his CIP DesignationCongratulations to all of you from your co-workers at MutualONE!Lambton MutualLambton Mutual is pleased to announce the appointment of V&T Insurance Inc. as the new Agency in Watford effective January 1st, 2024. V&T Insurance Inc. is co-owned by Mikayla Verberne and Jennifer Timmermans. Bringing 23 years of combined experience and complementary skills in all areas of insurance, they are looking forward to welcoming both new and existing clients as they embark on this exciting opportunity.HTM MutualThe Kawartha Durham Chapter of The Insurance Institute held their annual Convocation on January 26th. HTM was happy to be present and support two graduates this year. Allison Noronha, Business Analyst (pictured, left) received her CIP and CRM designations. Allison has been working on both of these over the past few years and we were proud to see her accomplishments.We also celebrated Kay Farrell-Lang (pictured, right) on receiving her Instructor Certication Program (ICP) certicate from the Insurance Institute. Kay is someone that is always looking for continuing education opportunities and is currently doing her Commercial Insurance Certicate. Don’t be surprised to see Kay as one of your CIP instructors in the near future!

pg. 49We’re proud to announce our successful participants of the Dale Carnegie Effective Communications and Human Relations course. We’re so proud of the courage that it took to commit and to ‘show up’ to this challenging course. Dale Carnegie demands that folks step out of their comfort zones each and every training day, and for nine sessions many of the staff at BCM did just that.On behalf of the President & CEO, as well as the entire Board of Directors, we congratulate the following on their successful graduation: Christa Nixon, Christiane Sangemino, Daniel Cicchino, Diane McCarten, Eddie Geyer, Faraz Ahmad, Graham Coppel, Jason Cybulski, Jennifer Ahlstedt, Judi Black, Kassy Sparks, Kelly Grondin, Kim Kaspersetz, Lindsay Frattaroli, Lisa Maves, Lisa McNelis, Luke Beaulieu, Mary Bacher, Paul Bantten, Peter Wilding, Sandra Kehoe, Sarah Caudle, Shannon Williams, Taylor Gagnon, Tina McDonald, and Tom Pooler (who was also winner of the The Dale Carnegie Course - Highest Award for Achievement). Bravo to all!Peel MutualWe’re proud to share that one of our Underwriters was selected as one of the Top 20 Underwriters in Canada by Insurance Business Canada Magazine. In a survey of brokers across Canada, Ivan Yanchev was successful in achieving a spot on this prestigious list for 2023 and we are exceptionally proud of his accomplishments. Ivan is a knowledgeable, focused, cooperative, prompt, and communicative problem-solver, and demonstrates the values that Peel Mutual strives for among our staff. We’re grateful for the valuable work that Ivan does each and every day as a member of the PMIC team. BCM Insurance .com1-888-576-3010Axiom MutualWe had two Axiom team members graduate with their CIP designation at this year’s Insurance Institute of Ontario Southwestern Chapter Convocation Ceremony: Lee Jensen from our Commercial Underwriting Department and Melanie O’Shea, our Marketing Analyst. Melanie was also awarded the John A. Russell Memorial Award for the top CIP graduate from the Southern Ontario Chapter. From our entire team, we wish to congratulate Lee and Melanie on their achievements! We know a lot of work and dedication is needed to complete the requirements for this designation.

pg. 50West Wawanosh MutualNearly 50 vendors lled the Goderich Memorial Arena on Feb 21st and 22nd, including West Wawanosh Mutual, for the rst annual Goderich Farm Show. The show was well attended and highlighted everything farm related from the latest Ag technology and equipment to animal husbandry and crop management. For WWMIC, it was a valuable opportunity for networking, raising brand awareness, and connecting with local policyholders and potential customers in the agricultural community. The 4-H Foundation’s biggest and most popular fundraising event is coming back to Guelph and Ottawa!Ontario Mutuals sponsors this event and welcomes you to Golf in Support of 4-H!HTM MutualHTM hosted a successful family skate day at the Baltimore Community Centre on February 2nd. We offered hot chocolate and popcorn to everyone attending.As an added bonus, we collected 136 pounds of food for Northumberland Fare Share. Some of our staff even put on their skates, brought their families, and enjoyed the ice.Save the Dates for 4-H Golf!Guelph: Thursday, May 23rdOttawa: Thursday, June 6thVisit 4-hontario.caOther News & Events

pg. 51Stanley MutualWe hosted a family-friendly corn boil at our head ofce in Stanley New Brunswick. We hosted games and served local New Brunswick corn.Thank you to attendees who brought donations of bottles or cans for the SPCA or non-perishable food items for the food bank.OMIA was pleased to facilitate an Ontario Mutuals tradeshow booth at the London Farm Show in March. The show takes place annually at the Western District in London, and has made its mark as a place to congregate, network, and dream about the latest equipment and innovations. Ontario Mutuals is the ofcial bag sponsor, which sees 1,000 branded bags distributed throughout the three days.Thirty-three mutual representatives from 10 member companies participated in the booth, bringing along their own small branded items, inviting visitors to try their luck at Plink-o, and networking with industry partners.Thank you to everyone who took part. We’re looking forward to next year’s show!London Farm ShowAyr Farmers MutualStaff of Ayr Farmers Mutual had so much fun at the Ayr Santa Claus Parade! We decked out an AFM loss prevention vehicle and hit the street bringing holiday cheer to the community.

pg. 52Introducing MutualONE InsuranceUnder the leadership of Rob Moorehead as President and Chief Executive Ofcer, and Christina Gummerson as Chief Financial Ofcer, we’re excited to announce that the members of each company voted overwhelmingly in favour of the amalgamation under the name of “MutualONE Insurance Company”.Chairs of the respective Boards, Ed Van Miltenburg and Gary Goertz shared, “We’re proud of the successful history of each of our mutuals and by coming together as MutualONE we will be in an even stronger position to condently, and effectively meet the many challenges ahead of us. Together, with our great team, we will be able to expand our presence and impact as a regional mutual insurer while keeping our mutual values and community focus”.We are excited to work with our 2024 Board of Directors, led by Paul Vandenbosch as Chair and Ed Van Miltenburg as Vice-Chair as we begin this new chapter as MutualONE Insurance Co.Introducing HD MutualOn January 1st, 2024, Halwell Mutual Insurance Company and Dumfries Mutual Insurance Company merged to form HD Mutual Insurance Company. With shared legacies rooted in community service and a commitment to protecting what matters most, our combined strength ensures a trusted, reliable, and enhanced experience for our policyholders. By consolidating our strengths and resources, HD Mutual is better positioned to address industry complexities with resilience and agility. “We are all here on Earth to help others; What on Earth the others are here for, I don’t know” - W.H. Auden Looking ahead, HD Mutual is committed to aligning products and pricing strategies, involving our staff in our forward-looking strategy plan, and enhancing our brand presence. We will continue to prioritize the development of our organizational culture, fostering an environment of innovation, collaboration, and excellence. As we embark on this transformative journey, we honour the retiring directors of Halwell Mutual and Dumfries Mutual for their dedication and invaluable contributions. Their legacy of excellence and service inspires us as we chart the course of HD Mutual in the future.

pg. 53Nova MutualNova’s COO Ken Worsley recently had the opportunity to present at two different AGMs on Farm Fire Prevention strategies and technologies to reduce and mitigate farm losses. Ken spoke to the Wentworth Dairy Producers, and Hamilton Soil and Crop Association as part of their annual meetings. The message was well received and there was great discussion around prevention measures and insurance. An important and timely topic, we appreciate Ken’s collaboration with other organizations. We’re planning more of these throughout the year to keep the conversation going! Ottawa Valley Farm ShowOntario Mutuals is the Red Ribbon sponsor of the Ottawa Valley Farm Show’s Dining Hall A. The annual show takes place each March at the EY Centre in Ottawa and brings together farmers and industry professionals to facilitate networking and sharing of information.Thank you to the Grenville Mutual team, including Dustin Pilfold (pictured on the left) for supporting an Ontario Mutuals display table, offering small giveaway items and brochure information to visitors.Logos on the Go! Farm Mutual ReAxiom Mutual Director, Laurie Bruvall climbed to the summit of Machu Picchu proudly wearing her Axiom shirt and her OMIA and Farm Mutual Re pins. Thank you to our Board who treated employees to a Northern Lights themed Thank You celebration dinner for all of their work throughout 2023. It was a wonderful night for all lled with connecting, games, and a delicious dinner.

pg. 54Over 640 attendees took part in the 142nd OMIA Annual Convention. It was a great time to catch up with our colleagues, hear from several speakers, and recognize award recipients.Keynote SpeakerOur keynote speaker, Clara Hughes shared her compelling story about nding sport and transforming her life, going on to become a decorated Olympic athlete in both the Winter and Summer Games. Clara also shared her journey towards self discovery and mental wellness, becoming a spokesperson for Bell Let’s Talk and a staunch advocate for mental health supports. Her captivating presentation was a great reminder of the benets of resilience, perseverance, and teamwork. We were delighted to have Clara stay with us through breakfast and lunch, meeting and greeting our members. Her openness was truly remarkable. AGMsThe Fire Mutuals Guarantee Fund and OMIA Annual General Meetings took place mid-morning. The OMIA meeting included addresses from President, John Taylor, Chair, Neil Shay, and Incoming Chair, Marg Torrance.Neil Shay (CTM Insurance) encouraged individuals to seek out their own learning opportunities, ask questions, and challenge themselves, in the spirit of building upon more than 150 years of stability and reliability for mutual insurers.John Taylor reviewed OMIA’s ve strategic pillars and, in reviewing OMIA’s 2023 activities, thanked members for their dedicated support of our many committees.Marg Torrance (HD Mutual) noted that mutuals have a rich past and have learned and accomplished much over the years. Mutuals continue to learn valuable lessons and do a good job at being present. Marg noted that our system is changing, and it’s time to utilize our collective strength and lean into the future. Marg introduced her theme for the upcoming year as “Learning, Living, & Leaning In”. Awards During the Awards Luncheon, the Presidential Merit Award was presented to Jeff Consitt, Farm Mutual Re, the Outstanding Contributor Award was presented to North Blenheim Mutual, and the Distinguished Service Award was presented to Ross Lincoln (former CEO, Grenville Mutual). Governance has been an increasingly important area for boards everywhere and, as mutuals, we wish to make sure that directors have all the tools and skills necessary to serve as mutual directors on behalf of policyholders. We recognized 18 directors who completed the OMIA Certication Program modules on Governance, The Business of Insurance, and Insurance Finance and Accounting. Information SessionsThe non-delegates program was provided by Craig Baird, a Canadian History buff and podcaster.During the afternoon, delegates participated in educational sessions on the following topics:• What to Expect When Engaging With FSRA • Cyber Security and Electronic Threats to Agricultural Operations• Leveraging Customer Service Experience to Transform Your Mutual• What you need to know about large farm losses and getting better at prevention• Reinsurance – Still in the SpotlightWe capped off our Thursday evening with a banquet dinner and entertainment from the energetic AbbaMania, as well as a silent and live auction for the Farm Mutual Foundation.The 2024 OMIA Annual General Meeting & ConventionMarch 20th to 22nd, Toronto

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pg. 56We were pleased to recognize our recipients of the Presidential Merit Award, the Outstanding Contributor Award, and the Distinguished Service Award at our Annual Convention Luncheon.The Presidential Merit Award is presented annually to an active mutual director or staff member who has demonstrated a deep commitment to mutuality, service to the association, and accomplished leadership. Presidential Merit Award winners are generous contributors to their fellow mutuals and have a favourable inuence on other members of the association. This year’s winner is Jeff Consitt of Farm Mutual Re. Jeff is the Senior Vice President and Chief Operations Ofcer for Farm Mutual Re and leads the IT, Innovation, Data and Insights, Project and Change Management, and the Business Operations Groups, in addition to quarterbacking the strategic planning process. Jeff’s long road to his current leadership role dates well back into the now shadowy days of the 1980’s. The Consitt family has provided a multi-generational level of commitment to the mutuals, and in that tradition, Jeff has been a leading proponent of mutuality, alignment between mutual organizations, and solving problems with a practical yet ambitious desire to innovate and create mutual sustainability. Congratulations, Jeff, on behalf of the Ontario Mutual Insurance Association and its members.The Outstanding Contributor Award is presented each year to a member company that demonstrates leadership and service within the mutual system. This year’s winner is North Blenheim Mutual Insurance Company, located in Bright, Ontario. North Blenheim Mutual was founded 162 years ago on August 15, 1861, in the then thriving hamlet of Chestereld, Ontario located in Oxford County. The team at North Blenheim Mutual have made many contributions to their community but have also made many contributions to our Ontario Mutuals. It’s through the efforts and generosity of mutuals such as North Blenheim that the mutuals can continue to grow and thrive in a competitive insurance environment.We are very pleased to recognize North Blenheim Mutual as our 2024 Outstanding Contributor. OMIA presents the Distinguished Service Award each year to an individual who has retired from the mutuals after a long and noteworthy career. In creating this award in 1987, OMIA recognized that the mutuals’ legacy of resilience, collaboration, and dedication to mutuality was built through the efforts of remarkable individuals who had devoted their career to serving policyholders and their fellow mutual colleagues. Their individual contributions and groundwork created a legacy that continued well past retirement from their mutual careers. This year’s winner, Ross Lincoln’s career has been exemplied by energetic participation. As a mutual leader, Ross was a champion of mutual insurance, and supported and developed the team at Grenville Mutual, with a deep commitment to improving and creating mutual business models for today’s policyholders.At Grenville Mutual, Ross fostered an environment where board members and staff were empowered to participate in mutual events and committees, and to contribute to numerous association projects and initiatives. Ross was also generous in making the Grenville network available to help the Ontario Mutuals keep a strong presence in Eastern Ontario events such as the Ottawa Valley Farm Show, the International Plowing Match, and 4-H Ontario. It’s our distinct pleasure to recognize Ross Lincoln.The 2024 OMIA Annual Awards Recipients

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pg. 58RetirementsCelebrating Those Who Helped Us ThriveHTM InsuranceAfter 12 incredible years of dedicated service, Bobi McGrath has decided to embark on a new chapter in life – retirement. Bobi joined HTM in December 2011, and since then, she has been an integral part of our family as our Country Farm Underwriter. Her warmth and commitment to learning her trade have not only contributed to our success but have also created lasting memories for all of us. It’s hard to sum up her impact in a few words, but it’s safe to say that she will be sorely missed. All the best, Bobi!Howick MutualDonna Rowley began her career at Howick Mutual as Receptionist, moving to Claims Admin/Commercial Processing and eventually assisting with IT systems back up. In 2008, her role changed to IT in addition to Claims Adjuster. In 2011, Donna moved into IT full-time where she has assumed various responsibilities leading to her current role as IT Insurance Systems Administrator. After 31 years of being a dedicated, valuable member of the Howick team, Donna ofcially retired on January 31st, 2024. Kevin Inglis, President & CEO is pictured with Donna on her last day at the ofce. We will miss her many contributions to the company and we wish her all the best in her well-deserved retirement.HD MutualAs we continue to evolve, so does our commitment to our amazing policyholders, team, broker partners, vendors and communities that shape who we are. As we celebrate the amalgamation process, we do so with profound respect for the history and individual legacies of both companies. A heartfelt thank you to the following retiring directors: Annette Winter - 23 years of service Chris Hamilton – 17 years of service Kenda Nurse – 9 years of service Barb Parker – 4 years of service Fausto Pellegrino & Tanya Theroux – 2 years of service Farm Mutual ReJennifer Allan, Senior Vice President and Chief People Ofcer retired onApril 26th. Jennifer joined Farm Mutual Re in 2018. Jennifer raised the bar in terms of transforming our approach to People and Culture as well as Communications. She worked with her teams to put in place strategies and visions for long-term success. She is also behind Farm Mutual Re’s recognition of the importance of Equity, Diversity, and Inclusion and started Farm Mutual Re on a path toward becoming a more inclusive employer. She will be missed for her passion for people, her commitment to high standards and quality of work, and her “get stuff done” attitude. Jeff Consitt, Senior Vice President and Chief Operating Ofcer will retire on May 17th, 2024. With the exception of a six-month contract with Ayr Farmers’ Mutual at the beginning of his career, Jeff spent his entire career at Farm Mutual Re, starting as a Junior Claims Examiner. Jeff advanced through the ranks as a Claims Examiner and was promoted to Assistant Claims Manager in 2000. Jeff assumed the responsibility of Claims Manager in 2006. In 2010, Jeff was promoted to VP Operations, and then became the Senior Vice President and Chief Operating Ofcer in 2015. In 1992, Jeff achieved his CIP designation and in 2015, his Master of Business Administration from the Ivey School of Business. Jeff is most proud of being able to contribute to the evolution and advancement of the mutual community through his participation as a member of the Farm Mutual Re management and executive teams, a variety of OMIA Committees, and as a Board member of CAMIC. Jeff dedicated the last 36 years doing the very best he could for Farm Mutual Re and his colleagues. He will be missed for his passion for the mutual system, his dry sense of humour, his hard work, but most importantly, for his genuine ability to form long-standing relationships.

pg. 59Tradition MutualWe wish to announce the retirement of our President & CEO, Paul Burns, as of May 15th, 2024. After six years of service, Paul has made signicant contributions to Tradition Mutual. These milestone accomplishments include reviewing and amending wordings, the installation and conversion to Guidewire, an Industry leading P&C Insurance Platform, as well as the opening of our Strong Roots Brokerage. Under Paul’s leadership, Tradition Mutual has had ve consecutive years of strong growth as well as consistent underwriting prots. We wish Paul good health and happiness as he ventures into a new and exciting stage of his life. Lambton MutualRick Bebingh retired as Principal Agent of Bebingh Insurance Ltd in Watford on December 31st, 2023, after an incredible 34 years in the insurance industry. Rick has served his community, and Lambton Mutual, with pride. We wish to extend our sincere thanks for his years of service. Rick will be greatly missed by his many customers, colleagues, and friends. We offer our very best wishes to Rick for a happy, healthy retirement.Bonnar Banks Gary GzikIt is with heavy hearts that we convey the sad news of the passing of a distinguished former board member of Dufferin Mutual, Mr. Bonnar Banks. Mr. Banks dedicated over two decades of service to our organization, serving as a director from 1984 to 2005. His leadership was particularly impactful during his tenure as President (a role now referred to as Chair) in 1994 and 1995. His contributions were instrumental in shaping the direction and success of Dufferin Mutual during those pivotal years. Our thoughts are with Mr. Banks’ family and loved ones during this difcult time. We are reminded of his signicant contributions to our company and the indelible mark he has left on our hearts and our history.It is with great sadness that we share of the passing of Gary Gzik on November 20th 2023. Gary was a friend to the mutual system, having brought his dynamic energy to our workplaces, helping our staff realize their full potential.Gary was an international presenter, corporate trainer, management consultant, and author. He was CEO of Build a Kick Ass Company, a division of BizXcel Inc. Along with his daughter, Hannah, he taught us about personality dimensions, organizational strategies, team building, and so much more. And always with his trademark positive attitude. A celebration of life was held on April 27th in Lansdowne, Ontario. Gary left a lasting impact on so many and he will be greatly missed.In MemoriamRemembering Our Mutual Family Members

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