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OOMM NEWS NEWSONTARIO MUTUALS NEWSLETTER | SPRING 2025Our Strong Legacy & Secure FutureChair’s Theme pg. 4Important RecognitionSpring Awards pg. 62 Message

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.Spring is on the Horizon We’re starting to see the rst new growth in our gardens and we’re sure we’ll be able to remove our toques and mitts soon...spring has (almost) sprung - bringing with it fresh projects and perspectives.Spring is also the season of our Annual General Meeting and Convention in Toronto. It’s our opportunity to connect with our mutual community, reect on the past year, and engage in thoughtful dialogue. Thank you to our members for your participation - the energy gained from our three days together is unmatched.As always, our mutual community has been busy with local outreach, especially during the past holiday season when our giving makes such an impact. It’s humbling to see just how far and wide our efforts stretch when we work together towards making a difference.Welcome as well to the new faces to our mutual system. You’re sure to see the many decades long milestones in our pages here - a signal that you’re surely in the right place.

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 Associationon behalf of our member and associate member companies.A Message from OMIA’s ChairKevin Inglis, Howick MutualA Message from OMIA’s Past ChairMarg Torrance, HD MutualNew 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 MemoriamRemembering our mutual family members42374851646744OMIn this issue >>Spring 202545817OMIA Annual Convention pg.60Protecting Our TomorrowsPage 5

pg. 4A Message from OMIA ChairKevin Inglis, Howick MutualAfter a long and snowy winter, the Spring of 2025 is nally here!For my rst report for the OM News, I would like to take this opportunity to congratulate Marg Torrance on hosting a very successful OMIA Convention this past March. I would also like to give a special acknowledgment to her recent, well-deserved retirement! My theme for the upcoming year is “A Strong Legacy & Secure Future” and I would like to comment briey on this.In my remarks in Toronto, and in the spirit of our “Strong Legacy”, I asked that you take some time in the upcoming year to research some history on your mutual. I predicted that there would be some interesting details that you may not have been aware of. It’s been my experience that, when sourcing this information, each mutual will probably have one or two history buffs who are more than willing to share some stories from the past. With this theme in mind, I’ve decided to provide a few snippets of OMIA history. • Prior to becoming OMIA as we know it today, our Association was referred to as The Purely Mutual Underwriter’s Association of Ontario (founded in 1882). This was changed ve years later to the Mutual Fire Underwriters Association and remained this way until 1974 when it was changed to the Ontario Mutual Insurance Association. • Over the 143-year history of the Association, there have only been ten different Secretary/Presidents. • At the end of 1882, the number of Mutual companies totalled 52 (there were 74 Mutual companies in the province and members of the Association, but only 52 were considered ‘pure’ mutuals). The total premiums earned was $43,627 and the combined prot for the year for all companies was $1,845. Shockingly, there was no mention of what accounting standard was used to calculate the year-end number. (IFRS 1?) With regards to a Secure Future, you will see that the OM News is consistently lled with announcements of new staff and directors to our mutuals and related partners. This leads me to yet another request. I ask that you take the time in the upcoming year to reach out to one or two of these individuals and give them your own personal welcome to the Mutual Family. I’m a big believer in small gestures having signicant impact and, who knows? You may be greeting a future leader in our industry.In closing, I would like to express my gratitude for this amazing opportunity to serve as your OMIA Board Chair for the upcoming year. I’m looking forward to meeting and speaking with you at the many OMIA events we have planned for the year ahead! Respectfully,Kevin Inglis

pg. 5At OMIA we value our many relationships throughout the industry, and for many years, we have had a productive working relationship with the Insurance Bureau of Canada (IBC). Although not full members, we are active participants in IBC’s Ontario Strategic Issues group. This alliance allows for two-way communication. We share the mutual perspective on public policy issues that affect insurance and, just as importantly, we have access to IBC’s research and thinking on emerging topics. This March, IBC launched a multi-media campaign, “Protecting Your Tomorrows” focused on how insurers work to protect individuals and communities, both before and after severe weather events. Our mutual insurance companies have all experienced the stress of responding to a catastrophe, and we empathize with the need to create good will and good faith with policyholders facing challenging times. You may have seen or heard this campaign on radio, TV, or social media. We’re pleased to support this campaign and our mutual philosophy of neighbour helping neighbour.Typically, March marks our annual visit to Toronto for our Legislative Affairs Queen’s Park Day, an opportunity 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’re working on and that they’re hearing about in their constituencies. Unfortunately, the proroguing of the government, and the subsequent election, had us postpone our visit. Thank you to our mutual members who connected with MPPs and candidates during the short election campaign to keep open our lines of communication on important mutual issues.We look forward to our next Legislative Affairs Roundtable during this interesting political environment. Mutual members and supporters! Save the date for our annual golf tournament, hosted by Chair, Kevin Inglis, on Wednesday, June 11th in Kincardine. 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 27th in Cambridge. Details will be shared with member companies by email.Protecting Your TomorrowsLegislative AffairsOMIA Annual Golf TournamentBlackHorse, Kincardine June 11thMutual Slo-Pitch TournamentCambridge, June 27thLearn more: www.ibc.ca/stay-protected/protecting-your-tomorrow

pg. 6A Message from OMIA Past Chair, Marg TorranceAs I write my last message in OM News, I’m lled with gratitude for the incredible opportunity to have served as Chair of this great organization. It has been an absolute delight to serve in this role and be able to meet with and interact with so many of you over the past year. It was truly one of the highlights of my (long!) career in this industry.I’ve learned a lot, particularly about the diversity and strength of the mutual members that make up our system. Our resilience and our collaboration have allowed us to face numerous challenges together. This unique ability to work together separates from the rest of the insurance industry and sets us up well for future success.As I mentioned at OMIA’s Annual Convention in March, an old African saying called “Ubuntu” seems to be demonstrated throughout our community. To be able to see ourselves in others, and instead of competing, work in a “symbiotic cooperative” relationship with one another. Ubuntu tells us that we are ONLY who we are thanks to other people around us. I can honestly say that I am a better person for being surrounded by the wonderful people in this community.There will be many challenges and lots of uncertainty ahead. Now, more than ever, we need to “lean in” with courage, curiosity, and conviction. I want to express my gratitude to John Taylor and the OMIA team for their amazing support over the past year and during my entire term on the Board. It has been such a privilege to work with this incredible group of people. And to my fellow Board members, past and present, a big thank you for your encouragement, support, and friendship.Lastly, a big thank you to the members of our mutual community and to our policyholders that we serve so well.Let’s continue to honour our “Strong Legacy” and “Secure Future” as we move forward together!Mutually yours, Marg

pg. 7Get to Know More About Marg TorranceMany in our mutual community may have missed the opportunity to get to know Marg Torrance during her year as Chair. Marg had a busy year of attending mutual conferences, conventions, events, and meetings, but in case you missed her, here are some questions we asked Marg to give you a bit more insight into who she is. Which living person do you most admire?My very good friend, who, despite severe hardships and tragedy, is grounded in faith, hope and love for others. She has maintained her sense of humour and makes me laugh too!What is your greatest extravagance?Going out for a beautiful meal that includes great wine!What is your current state of mind? Content!What quality do you most like in a person?Compassion and grace. (Sorry, that’s two, but they go together!)My family would tell you I am:DedicatedWhich talent would you most like to have?It’s a toss up between playing the piano and writing songs!What is your favourite pastime or hobby?I can’t narrow that down to one! - Singing, dancing, walking in the sunshine, gardening, looking after my granddaughters, volunteering ..the list goes on!What do you consider to be your greatest achievement?Raising two incredible, beautiful human beings.What is the most interesting place you have ever visited?Osaka, Japan. Living there as a “local” for 5 weeks was fascinating!Where in the world would you most like to live?Somewhere on the water, surrounded by trees and mountains (would settle for rolling hills), in a peaceful country. Sounds like Canada!What is your most treasured possession?My grandmother’s (who I never met) gold cameo pendant.What genre do you most like to read?Historical FictionWho is your hero of ction?Isabelle RossignolIf you could visit and explore any time in history, which time would you choose?Tough one! I’m curious about much of the past, but I’d probably want to spend (a bit!) of time in early AD 27-30, just to see and hear what was being discussed and debated in the Middle East region.What do you think is the greatest opportunity for the mutuals?To work together as a community to “live out” our mutual values, be known and recognized for being true “grassroots” Canadian companies that care about their communities.What do you think is the greatest challenge for the mutuals?To work together as a community to “live out” our mutual values and maintain our grassroots identity.What is your personal motto?Be kind always and don’t judge others. You don’t know their story.

pg. 8Ayr Farmers MutualWe’re excited to welcome Annie Knight to the Ayr Farmers Mutual team! Annie joined us in January 2025, bringing over 12 years of experience in marketing, communications, and PR. With a strong background in the not-for-prot sector, Annie has a talent for storytelling and building sustainable funding strategies. She’s passionate about sharing meaningful stories - something you may have noticed in our most recent Annual Report.Annie is eager to connect and collaborate on marketing initiatives. Feel free to reach out and say hello!Edge MutualWe’re excited to have Sherry Weiler join our team as a Commercial Auto Underwriter. Sherry was raised on a dairy farm outside of Belmore and has been in the insurance industry for over 35 years, starting with a focus in farm property.Sherry recently decided to take on a new challenge by moving to Edge Mutual. Sherry views Edge as a growing company with great initiatives and culture who puts staff and brokers rst. Welcome, Sherry!We’re pleased to welcome Barb Skorupski to our claims department as an Auto Adjuster. Barb has claims experience as both an auto and property adjuster. She is working towards her CIP and has a solid background in nance and customer service. Please welcome Barb to the team!Lambton MutualWe’re pleased to welcome Jennifer Moreau to the role of Senior Claims Adjuster. Jennifer joins Lambton Mutual with several years’ experience in property claims and a diploma from the Business Administration program at George Brown College. Her knowledge and expertise will undoubtedly be an asset to our claims team. Welcome, Jennifer!New Team MembersWelcoming new facesto the mutual system

pg. 9Axiom MutualLeslie Arnold has joined us as part of our Insurance Advisor Team. Leslie comes to us with over 30 years of experience in the insurance industry, including more than 20 years as a licensed insurance agent. Over the course of her career, she has worked in a variety of roles at brokerages and the Mutuals,developing strong skills in providing personalized insurance solutions and building lasting client relationships. Her expertise paired with her dedication to understanding client needs and delivering excellent service, makes her an outstanding addition to our Axiom team.Cassidy Dixon recently joined Axiom Mutual as our HR Assistant. She joins us with a growing foundation in Human Resources. She has gained experience in HR administration, recruitment and payroll through her roles at Casey’s Creative Kitchens, London Security and an HR mentorship at Stratford General Hospital. Her hands-on experience along with her enthusiasm for HR, makes her a great addition to our team. Welcome, Cassidy!Colleen Pellington has joined us as our Lead Member Service Representative. Colleen brings a wealth of experience to this role, with a strong background in sales, technology, training, and data. Colleen is a Licensed Insurance Specialist and has over ve years of industry experience. Colleen earned her CIP designation in 2021 and is currently working towards her CRM certication. In addition to her new role with us, Colleen also teaches in the Insurance program at Fanshawe College as an Adjunct Professor. Colleen’s diverse skill set, passion for education, and ability to use data and technology to drive results will make her a fantastic addition to our team.West Wawanosh MutualWe would like to introduce our newest team member; Kate Nicholson, Accounting & Administrative Assistant. Kate graduated from Western University with a BA and worked in the hospitality industry before joining WWMIC. Born and raised in Goderich, Kate enjoys nature, her dogs and curling. Welcome to the mutual family, Kate!Westminster MutualJessica Grundy has joined Westminster Mutual as a Customer Service Representative/Agri-Business Underwriting Assistant. Jessica comes to us with over 25 years of customer service experience. Having grown up in Belmont, she is excited to be working back in her hometown with the Westminster team. Outside of work she enjoys sports and the outdoors and is the proud wife and mother.Stanley MutualKayla McIntyre has joined us as Data Clerk at our Fredericton ofce. Kayla holds a diploma as a Legal Administrative Specialist and a strong foundation in the legal eld, which she brought with her into the insurance industry. Welcome, Kayla!Jillian Logan has joined our team as Administrative Assistant at our Head Ofce in Stanley, New Brunswick. With six years of experience as a medical administrator, Jillian brings a wealth of knowledge and expertise to her role.Welcome, Jillian!

pg. 10Brett Singleton is the new Marketing Specialist at BCM. Brett brings a deep understanding of the local community to his role. As a graduate of Brock University with degree in Business Communications, he combines his professional expertise with innovative marketing strategies.Dominic Owens began his insurance journey in Scotland in 2013. He has gained extensive experience in home, auto, commercial and agricultural insurance, and has become adept at navigating the complexities of insurance as Insurance Advisor.Dana Bernardi has over 30 years of experience in the industry. She brings a wealth of knowledge and expertise. Her career has been a fullling journey of continuous learning, and she is excited to contribute to the success of the BCM team as Insurance Advisor.Rob Peacock joined our loss prevention team as Loss Prevention Associate. Rob plays a crucial role in assisting with our in house property inspections.Caleb Taylor has joined BCM as a Loss Prevention Associate in 2024. He brings in over 15 years of experience in contracting and consulting. His expertise and dedication to safety has made a real difference for BCM.Kaitlyn Tritchew joined the Underwriting Department as an Intermediate Underwriter in Personal Lines. Kaitlyn brings a wealth of underwriting knowledge and experience to her role and has been an asset to the teams’ success. Andrew is a key member of our IT team. With a passion for technology and problem solving, Andrew plays a vital role in keeping our systems operating smoothly and securely.We’re pleased to welcome Jimmy Humphries, Systems Architect, to our growing IT Department. Jimmy ensures our policy management system, Guidewire, is running smoothly for all departments.We’re pleased to welcome Patricia Reles to the team as our Human Resource and Compliance Manager. Patricia is dedicated to supporting our employees while fostering a positive work environment. Michaela Goehring stepped into the role of Junior Underwriter. Michaela brings with her over three years of experience in personal lines and auto underwriting. We are excited to have her on board!BCM Insurance CompanyWe were pleased to welcome the following team members to BCM Insurance over the past year.Straight out of Bertie Township, Bertie decided to pursue a career that didn’t involve hibernating for half the year. Also, why catch sh when you can catch smiles? As BCM’s Director of Fun, Bertie spends most of his time out in the community, acting as the front face for our outreach initiatives and events.We welcomed Jake Johnson to our Finance Department as Finance Administrator. With an extensive background in bookkeeping, Jake has become an integral part of the nance team.

pg. 11We’re excited to announce that Mackenzie Vendrig has joined our underwriting department as a Farm Underwriter. Mackenzie brings experience and knowledge to the team, having previously worked at Huron Tractor and as a Farm Underwriting Assistant at Tradition Mutual. She holds certicates in Business Fundamentals and Ofce Administration from Fanshawe College and is currently working toward earning her CIP designation. Mackenzie lives in Crediton with her husband and is excited to continue her career growth with U&H.We’re excited to announce that Athulya Eldho has joined us as an Automobile & Residential Underwriter on a one-year contract. Athulya recently completed the Insurance & Risk Management program, as well as the Professional Financial Services Diploma at Fanshawe College. She holds a Bachelor of Commerce degree from her home country of India and immigrated to Canada two years ago. Athulya currently resides in London with her husband and is eager to learn more about mutual insurance as she embarks on this new chapter with U&H. Jini Xu joined the Data and Reporting department as a Data Analyst in November. Jini holds her Master of Science in Statistics, and her Honours Bachelor of Science in Mathematics and Statistics from McMaster University.Cassandra Holtby joined the Business Operations department as an Operations Optimization Specialist. Cassandra holds her Bachelor of Applied Science in Industrial Engineering from the University of Toronto, and her certied Scrum Product Owner Certication from Scrum Alliance.Taiwo Adenusi joined the Legal and Governance department in the role of Senior Legal Counsel on a 12-month contract in March. Taiwo holds her Master of Business Administration from the University of South Wales and a Bachelor of Law from the University of Lagos. Her bar admissions include the Law Society of Ontario and the Bar Council of Nigeria.Sushanth Varma joined the Development and Infrastructure department as a QA Automation Analyst in December. Sushanth holds a Bachelor of Technology in Electronics and Communications Engineering from JNTU University.Adnan Ahmed joined the Data and Reporting department as a Senior Data Analyst. Adnan holds his Bachelor of Commerce and a Certicate of Data Analytics, Big Data and Predictive Analytics from Ryerson University (now Toronto Metropolitan University).Tim Kim joined the Data and Reporting department as an AVP, Data and Reporting. Tim holds his Bachelor of Business Administration - Specialist in Management & Finance from the University of Toronto.Please join us in welcoming the following new team members to Farm Mutual Re.Farm Mutual ReUsborne & Hibbert Mutual

pg. 12We’re pleased to welcome Shawna Thompson to the DevOps team as a Data Scientist. Shawna completed her PhD in Neuroscience at McMaster University in 2022 and has since worked as a Subject Matter Expert for American AI rms, training chatbots to deliver accurate scientic information. Growing up on a family farm in Flamborough, Shawna is excited to apply her expertise in data science while expanding her skills at HD Mutual. We’re excited to welcome Iryna Didenkul as a Data Entry Clerk. Iryna holds a master’s degree in law and has experience in risk management. She recently graduated from Fanshawe College’s Insurance and Risk Management program and is eager to apply her knowledge in her new role. Outside of work, she enjoys trying new recipes, travelling with friends, and getting lost in a good book. Welcome to the mutual family, Iryna! We’re pleased to welcome Samantha Jacob as an Intermediate Auto Adjuster. Since beginning her insurance career in 2017, Samantha has gained valuable experience in auto claims adjusting and auto dispatch. She is known for her strong organizational skills and keen attention to detail, bringing efciency and structure to every role she takes on. Samantha is excited to continue expanding her expertise at HD Mutual and looks forward to contributing to the team.Kieren Shannon joins HD Mutual as a Junior Commercial Underwriter. He holds an Honours Bachelor of Commerce with a Minor in Economics from McMaster University and has experience as a Business Analyst in the transportation industry. Kieren is excited to start his insurance career and contribute to the team. We’re so glad to have you on our team, Kieren!Please join us in welcoming Rafael Silveira da Penha as a Junior Personal Lines Underwriter. Originally from Brazil, Rafael has a background in nancial planning and analysis, with nearly a decade of experience as a Budget Analyst. He later gained underwriting experience at BrokerLink and Economical Insurance. Rafael holds a bachelor’s degree in business administration, a Postgraduate Diploma in Public Administration, and is currently pursuing his CIP and CRM designations. We are delighted to welcome Maria Alessi as an Intermediate Commercial Underwriter. With nearly 17 years of experience in commercial underwriting, Maria has worked in P&C, auto, and boiler/equipment breakdown insurance. She studied at Mohawk College and is passionate about travel, family time, and reading. Welcome to the HD team, Maria!HD MutualPlease join us in welcoming Michelle Bronsveld as Operations Assistant. Raised in rural Flamborough, Michelle is currently pursuing a career in insurance at Mohawk College and plans to graduate in 2026. With aspirations of becoming an underwriter, she is eager to gain hands-on experience with the team.We are pleased to welcome Aidan Hardenbrook as Operations Assistant. With a background in construction and experience operating heavy machinery, he brings a strong work ethic and a passion for problem-solving to his new role. An outdoor enthusiast, Aidan enjoys camping, hiking, and adventure motorcycle riding.

pg. 13We’re pleased to announce that Carla Reale has joined our team as Vice-President, Human Resources.With 30 years of experience from a diverse range of industries, Carla brings an authentic and transformative approach as an HR Leader. Most recently as Director, People & Organizational Development, Carla, oversaw large-scale employee impact initiatives to attract, develop and retain staff. As an authentic and transformative human resource leader, Carla will provide strategic leadership and operational oversight for all core people functions at Heartland, including learning and organizational development, employee relations, talent acquisition, total rewards, occupational health and safety, as well as employee health and wellness.Carla holds an MBA from Wilfrid Laurier University, is a Certied Human Resources Leader, a Certied Executive Coach, and Certied Change Practitioner. We’re pleased to announce that Vance Somerton has joined our team as Vice-President, Claims. With over 15 years of leadership experience in Property & Casualty insurance, Vance brings a wealth of claims expertise to the role. Most recently as Director of Property Claims, he oversaw adjusting, appraisal, and recovery teams on a national scale. Vance has a deep understanding of the insurance industry with a passion for leveraging technology and data-driven insights to drive continuous improvement. Vance will leverage this experience and work closely with President and CEO Louis Durocher, to provide the best customer experience with outcomes that deliver long-term value. Vance will play a critical role advancing our business objectives, enhancing operational performance of the claims team, and delivering on our customer experience commitments.Heartland MutualMoe Al-FarawiIn-House Auto AppraiserDaryl AtkinsonDirector, Corporate Actuarial Paulo FilipeSenior Field Claims RepresentativeGreg RoyInsurance AdvisorCameron WrightFinance StudentNicole NassarIT StudentSunnie WangUnderwriting Solutions Analyst Kelly ScoutenSenior AB Claims RepresentativeKirsten HopkinsDirect Sales Representative IIPhoto Unavailable: Steven ZahanovSenior Actuarial AnalystWe’re pleased to welcome Kimmone Gooden to our team as Corporate Controller. Kimmone holds a Chartered Professional Accountant (CPA) license in Ontario, as well as a CPA license in New Hampshire. With 15 years’ experience in audit and consulting services, Kimmone has worked with a diverse range of clients, including both public and private entities, across multiple geographical regions.

pg. 14We’re pleased to announce that Sherry Miller has joined us as Underwriting Manager. Sherry brings extensive underwriting and leadership experience to this role, having worked for two national brokers and held various positions throughout her career. Most recently, Sherry served as Director of Commercial Underwriting for the Ontario Region at Denity, where she played a key role in leading the underwriting team through a period of signicant change. We look forward to your valuable contributions, Sherry!We’re pleased to announce that Carey Parkinson has accepted the role of Technical Claims Specialist at Salus Mutual. With over 25 years of experience in the property and casualty insurance industry, Carey most recently served as a Claims Analyst at Farm Mutual Re. We look forward to the valuable expertise and knowledge Carey will bring to our team. We are very excited for Carey to join our team and look forward to the contributions she will make!We’re excited to announce that Christine Tibben-Pound will be joining our team as Sales Lead.Christine brings over 26 years of experience in the insurance industry, offering a wealth of knowledge that will strengthen our team’s ability to build relationships and elevate the policyholder experience. Christine is also a proud and active member of the West Elgin Legion. Please join us in welcoming Christine to the team!We’re excited to share that Jesy Muise has joined the Administrative team as Customer Service Associate. With over seven years of administrative experience, Jesy’s strong organizational skills and attention to detail will be a great asset to our team. We look forward to the contributions Jesy will bring.We’re pleased to announce that Lindsey Podolan has joined the Administrative team as a Customer Service Associate. Lindsey comes to us with a background in administration and bookkeeping, having spent the past six years managing her husband’s plumbing and HVAC business. Her passion for customer service and nance will be a valuable asset to our team. We look forward to the valuable contributions Lindsey will bring!Salus MutualCollectivdeWe’re thrilled to welcome our rst two C-suite executives: Rick Burbridge, Chief Financial Ofcer, and Barb Reddick, Chief Operating Ofcer. Rick brings over 15 years of experience in nancial leadership, most recently as CFO at DigitalEd and VP of Finance at InvestorCOM Inc. His expertise in nancial modelling and sustainable growth will be invaluable as we continue to grow the Collectivde network. Barb, a seasoned insurance leader, has held key roles, including VP at NFP and Executive Director of the Women in Insurance Cancer Crusade. With a CAIB and Level 3 (unrestricted) license, she brings a wealth of experience and a strong commitment to driving success across our network.

pg. 15We’re excited to welcome Shawn Tracey as Manager of Distribution Services. Shawn’s extensive background in working collaboratively with regional ofces and executing strategic goals has made him well-positioned to lead our distribution services team toward new heights. His expertise in the areas of compliance, production design, innovation, and marketing, combined with his ability to identify opportunities for efciency, will help contribute to MutualONE’s success now and into the future. We look forward to the positive impact Shawn will have.Ian McGugan joined MutualONE’s Underwriting Department in December. With a background in farm and commercial underwriting, Ian is already providing a wealth of experience and knowledge to the team. Welcome to MutualONE, Ian!Madelaine Grover joined MutualONE’s Underwriting Department in February. Maddie’s previous experience in the Mutual System has made her transition seamless. She has settled right in as a Residential and IRCA Automobile underwriter. We are excited to have Maddie as part of the team!We’re thrilled to welcome Trevor Partridge to the team in the role of Controller. With his extensive experience and expertise, we are condent that Trevor will make signicant contributions to our team. We look forward to achieving great milestones together and are excited about the future with Trevor.We’re pleased to welcome Tom Garner to our sales team! Raised on a dairy farm just north of Woodstock, Ontario, Tom has deep roots in the community. He grew up in and around Woodstock and now lives there with his wife and kids.With over 20 years of experience in the insurance industry, Tom has spent his career working in rural Ontario, directly and indirectly with farmers and agricultural businesses. His extensive background makes him an asset to our team. We look forward to seeing the great results he will achieve and the positive impact he will have on our clients and company.We’re also delighted to welcome Jenna McCabe back to our team as a Customer Service Representative. Jenna lives in Stratford with her spouse and son. With her attention to detail and cheerful personality, we’re thrilled to have her back.MutualONE North Blenheim MutualOntario Mutual Insurance AssociationOMIA is pleased to welcome Danielle Dale as our new Insurance Product Research & Development Analyst on our Product Research & Development team. She has worked in the insurance industry for over 15 years in various progressive roles and has her BA, CIP, and CAIB designations. With a well-rounded experience in commercial, farm, personal, and commercial auto lines of insurance; she also has project and training experience which includes product market trend analysis, updating policy wordings, underwriting guidelines, SOP’s, and updating compliance documents. Having recently been with MutualONE as a Product & Pricing Specialist; we are grateful that Danielle will contribute to and share her extensive knowledge and skills to the benet of our entire member community in her new role. Please join us in welcoming Danielle as part of our team.

pg. 16Trillium MutualWelcome, Jamie Huff, Sales Agent (Agriwise). Jamie has 9 years of experience in the insurance industry within both agent and broker roles. Jamie’s excellent communication skills, and rural background, along with her personal and professional experience in the agriculture and commercial sectors will certainly contribute to the ongoing success of Agriwise.Welcome, Cole West, Agri-Business Underwriter. Cole grew up in rural Southwestern Ontario and is a graduate of Fanshawe College’s Fire Inspection & Fire Safety Education program. He joined Trillium in January 2024 as the rst hire in our Next GAP program, and after gaining valuable experience in the Claims & Risk Management department, he transitioned to the AG Underwriting Team in June 2024, where he has made signicant contributions.Welcome, Michelle White, Agri-business Underwriter. Michelle’s educational background includes, holding an Honours Bachelor of Arts Degree from the University of Toronto and a Social Service Worker Diploma from Durham College. Her professional experience includes, having worked as a broker with Zehr Insurance and more recently as a Personal Lines Underwriter at Tradition Mutual.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. 17Mutuals Give BackThis is how we support our communitiesHD MutualWe’re pleased to have donated $40,000 to organizations making a signicant difference in our communities. Hope House Guelph, AgScape, the Cambridge Memorial Hospital Foundation and the Foundation of Guelph General Hospital each received $10,000 to support initiatives focused on poverty reduction, education, and healthcare. Additionally, through our 9toThrive We Care Challenge, HD Mutual donated $2,250 each to the Children’s Foundation of Guelph-Wellington’s Adopt a Family Program and Family & Children Service Waterloo’s Holiday Program. These contributions provided gifts and support to local families during the holiday season. To end the year, HD Mutual is proud to have donated more than $145,000 to 125 partners, and volunteered over 160 hours. Looking We’re excited to continue making a positive impact and furthering our commitment to giving back to our local communities by committing 0.1% of the company’s annual surplus to philanthropy, community giving, and scholarship programs. Lambton Mutual Agents, Brokers and Staff were once again proud to support Christmas for Everyone, a local non prot organization that provides toys and food hampers to families in need in rural Lambton County. Thank you to everyone who contributed to making the season a little brighter for our community members.Lambton MutualA team of Lambton Mutual employees spent their annual volunteer day at the Ronald McDonald House Charities Southwestern Ontario, London location. While there, they prepared dinner for the guests staying at the house. It was a rewarding experience to be able to help families during a difcult time and to be a small part of what RMH offers.

pg. 18Axiom MutualAxiom Mutual prides itself on supporting our local communities to keep them thriving! We’re pleased to have recently donated to the following programs: • We awarded 10 $500 scholarships to local graduates who show passion and loyalty to their local communities and who are continuing their education at a trade school or post secondary program.• Over $30,000 was donated to six area hospitals who focus on providing quality care in our smaller rural communities.• Supported Special Olympics and the Ilderton Sweepers with $2500 towards the transportation costs of their program. • Buckle up Sponsor at the London Magic of Lights Display• Plus, countless other community donations to our local fairs, fundraisers and events!We were also proud to have partnered for a second year with fellow Huron County Mutuals, Howick Mutual, West Wawanosh Mutual, and Usborne & Hibbert Mutual, to support the Huron Area Search & Rescue (HASAR) team.

pg. 19We partnered with Darling Insurance Brokers hosting a booth at the 44th East Central Farm Show in March. Held annually in Lindsay, the show prides itself on grassroots foundation built on strong community ties. Proceeds from the show help support community events and scholarships. One project Axiom is so proud of is the successful expansion of our Director’s Cut – Fields to Foodbanks initiative. In 2024, our Directors generously donated tractor hours and agricultural expertise to harvest the 40 acre eld surrounding our Zurich ofce location. Our Staff and advisors further contributed their personal donations and all-star stone picking techniques towards the project! In the fall, we were fortunate to have Scott Miller from CTV join us to make the donations to our three area food banks: Ailsa Craig & Area Foodbank, Huron County Food Distribution Centre and the Strathroy Salvation Army. We are proud to report that the Director’s Cut initiative has raised over $78,000 since it’s inaugural year in 2021. For the full CTV story and news article scan the QR code.Heartland MutualHeartland brokers and staff have submitted their applications for the iHeart request campaign. The iHeart Community Fund supports initiatives in the community, scholarships at several postsecondary institutions and signature giving in our four areas of focus: Health and Wellness, Safety and Prevention, Skills and Education, and Community Support.We’re thrilled to support 38 community initiatives across Ontario and Nova Scotia as part of our 2024 iHeart request campaign. It is a tremendous privilege to support community initiatives that were nominated by our staff and brokers to give back to the communities we do business in.West Wawanosh Mutual

pg. 20BCM Insurance CompanyWe’re pleased to present the selected recipients of last year’s Community Grants Program. These organizations embody our commitment to fostering a positive impact within our community and have each received $5,000 towards an awareness centered event. The following recipients have demonstrated exceptional dedication to their causes, aligning closely with our values and mission. We extend our congratulations and look forward to supporting their continued success.• Heart Niagara• Niagara Music Awards• Family and Children’s Services Niagara:• Rose City Kids• Horse Sense for Kids• Niagara Pumphouse Arts Centre• Jarvis Board of Trade• Downtown Bench Beamsville• West Niagara Agricultural Society• Kristen French Child Advocacy Centre NiagaraAs we move forward in 2025, we remain committed to supporting initiatives that align with our values, contributing to the vibrant community of Niagara, and reinforcing our position as a leader in community support and development.Innovating with Ontario’s trusted mutualsStrategy | Structure | Peoplewww.engagehr.com | 905-306-8111 ext. 222• Strategic Planning• Amalgamation Support• Performance Management• Role Clarity• Employee Engagement• Training & Development• Leverage The Culture Factor• Succession Planning• Recruitment & Selection

pg. 21The CommonwellWe’re dedicated to supporting and strengthening the communities in which we operate. Our commitment to giving back is not just about nancial contributions, but about creating lasting, positive change through community-focused initiatives and programs. In our 2024 Impact Report, we showcased the broad range of programs we’ve implemented to help foster resilience, food security, access to learning, and overall well-being within our communities.The SEEDit program aims to increase food security by empowering individuals to grow their own food by providing participants with the materials and guidance to start their own vegetable gardens and share the harvest, encouraging self-sufciency and reducing food insecurity. This program has returned for 2025 with an estimated 6,000 registrants. A virtual community of gardeners on Facebook allows participants to collaborate and feel the impact of the program beyond their own participation. You can visit the SEEDit Community on Facebook to learn more. The L.E.A.F. program (Learning and Engagement Accelerator Fund) is another cornerstone of The Commonwell’s community impact strategy. L.E.A.F. was created to support grassroots initiatives that enhance local learning environments and community spaces. It provides funding to help local organizations, schools, and community groups establish or upgrade educational and recreational facilities. This funding helps ensure that communities have the infrastructure necessary to deliver programs and services that contribute to the well-being of their members. Ontario communities are facing unprecedented demands for this type of funding, with rural communities often left behind. In 2024, L.E.A.F. received $3.7M in funding requests and provided $400,000 in grants to 11 projects. L.E.A.F will return in September 2025. Visit thecommonwell.ca/leaf for more information and to nd information about how organizations can apply. Our 2024 Impact Report also highlights the direct impact The Commonwell has on policyholders through claims, and employees through opportunities for paid volunteer time and charity donations. This will continue to evolve, encompassing the work we’re doing to emphasize sustainability in business practices. As a mutual insurance company, our responsibility is to ensuring we can be a sustainable community partner for generations to come. You can view the full Impact Report at thecommonwell.ca/impact-report-2024.Stanley Mutual John Sharpe, Executive Director of Partners for Youth, is pictured (left) receiving a $5,000 donation from Greg Dunlap President and CEO of Stanley Mutual. The donation was made possible through the philanthropic program at Farm Mutual Re. Partners for Youth was nominated by Stanley Mutual who has been a longtime supporter. Partners for Youth invests in programs like PFY Connect which provides free rapid access licensed counselling therapy to youth across New Brunswick.

pg. 22Edge MutualWe’re pleased to share that we partnered again with the Children’s Foundation of Guelph and Wellington’s Christmas Adopt-a-Family Program and sponsored ve families this past Christmas. We also kept the holiday spirit of giving strong through donations to three local schools and their snack program, as well as various food bank donations.Our Edge Mutual team members are pictured below, sharing the contributions.

pg. 23Our Social Committee is very active during the holiday season. All year long the team members of U&H contribute to a “Friday Jean Fund” that we then use to spread Christmas cheer to others. This year we provided gifts for three families from Bluewater Coast Elementary School (six students as well as something for the parents). We also provided gifts for some seniors at Bluewater Rest Home in Zurich. In another special opportunity, we were able to give a $500 gift card to a Syrian refugee family in Stratford to help with food and clothing needs – although they don’t celebrate Christmas, the gift was greatly appreciated (their thank-you card is pictured left). We donated our remaining funds, $275, to the Exeter Food Bank. We take ‘the season of giving’ very seriously around here.Usborne & Hibbert MutualIn memory of a beloved young man, Carter Schoonderwoerd, who passed away tragically in 2021, U&H along with one of our brokers, JP Uniac Insurance, each provided $5,000 as a contribution towards building the CS8 outdoor rink in Mitchell. This is a personal point of passion for both Jason Uniac (Owner/President, JP Uniac) and U&H Agent, Julia Simpson who both know and insure many family members. The 8 in CS8 is for Carter’s hockey number – Carter was an avid hockey player. Carter’s parents, Joe and Heather (4th and 5th from the left in the picture) have been so overjoyed with the tremendous giving support of the community, and they hope to have the rink built this year – what an accomplishment! CONNECT + COLLABORATE + GROWWe are excited to share with you events we are hosting and supporting in 2025. From cutting-edge technology to the latest insurance industry insight, stay ahead of the curve and network with industry experts at Cognition+ Events.Cognition+ CONNECTCognition+ VISIONMar 26Nov 13Toronto, ONVirtualOMIA Annual ConventionOMIA CEO ConferenceOMIA Golf TournamentOMIA P&M MeetingNAMIC Claims ConferenceNAMIC Farm Mutual ForumNAMIC Mgmt. ConferenceNAMIC ConventionCAMIC Lobby DayCAMIC Conference & AGMMAMIC ConferenceMar 26 – 28May 26 – 28Jun 11Oct 26 – 28Feb 11 – 13May 20 – 22Jun 22 – 25Sep 28 – Oct 1May 6Oct 5 – 7Jun 19 – 21Toronto, ONKing City, ONKincardine, ONNiagara Falls, ONOrlando, FLBloomington, MNWailea, HWSan Diego, CAOttawa, ONMontreal, QCCharlottetown, PEFIND MORE EVENT DETAIL HERE www.gocognition.com/events

pg. 24Our team came together again to stock shelves of FreeHelpCK’s Pop-Up Pantries with all sorts of groceries and toiletries. We believe that no one should go without the essentials and we’re proud to support this incredible initiative, helping local individuals and families in need. Not forgetting our furry friends, our staff lent a helping paw by collecting and donating much-needed pet supplies to Pet & Wildlife Rescue of Chatham-Kent because every fur baby deserves a little extra ruff and uff in their life! We hope our donation helps make tails wag and whiskers twitch with joy.Kent & Essex, along with our broker partner, Brokerlink, were thrilled to be major sponsors for the recent Music For The Mind concert in February. The concert was a huge success, raising close to $20,000 to support mental health services and resources in our community. The funds will go to Family Service Kent to provide minimal fee, or free, counselling for children and adults, the KIDS Team Program to cover the cost of psychological assessments for children, and to Chatham-Kent’s Children’s Treatment Centre for initial FASD (Fetal Alcohol Spectrum Disorder) assessments. Together, we are committed to promoting mental wellness and joining in the ght against mental health issues in Chatham-Kent.Project Poinsettia is an annual heartwarming initiative by Kent & Essex Mutual and local radio station 99.1 CKXS to bring joy and holiday cheer to seniors and those in care. During the holidays, hundreds of potted poinsettias were delivered by hand to senior homes, hospitals, and care facilities across Chatham-Kent to remind those who might have felt lonely during the holiday season that they were cherished and remembered. Through the bright red and yellow blooms, warm conversations were shared along the way, lifting spirits and creating joyful moments for seniors, patients and also healthcare staff alike. We were also beyond thrilled to match our broker partner, HUB Southwestern Ontario’s, incredible holiday fundraising of over $6,000, bringing the total to over $12,000 to support ten amazing organizations: Essex Food Bank, Hiatus House, Kingsville Food Bank, Leamington Centre of Hope, Leamington Mersea Goodfellow Club, Neighbourhood Charitable Alliance, Noah’s House, Ronald McDonald House of Windsor, The Hospice of Windsor and Essex County and Windsor-Essex Children’s Aid Foundation. Every end of year, both Kent & Essex and HUB join forces to give back to the community and support organizations that make meaningful impact in people’s lives. Funds raised will help organizations continue their vital work, offering food, shelter, mental health support and essential care and other services to those who are in need. Through this annual initiative, we remain committed to supporting local charities, strengthening our communities and making a positive difference.Kent & Essex Mutual

pg. 25At the Chatham Armoury Christmas Market in November 2024, Kent & Essex, along with our esteemed broker partner, Lundy Insurance, proudly took part in a heartwarming holiday initiative. Together, we contributed to the festive magic by setting up a Storybook Christmas Wonderland tree - a breathtaking Nutcracker-themed masterpiece - designed to captivate visitors and raise funds for a meaningful cause. As part of the market’s cherished holiday tradition, our Nutcracker tree was one of many stunning bespoke Christmas trees showcased at the event. Each tree was meticulously decorated with unique themes, transforming the venue into an enchanting holiday wonderland. The initiative not only celebrated the joy of the season but also served a greater purpose: raising vital funds for the Children’s Treatment Centre & Foundation of Chatham-Kent. Throughout the event, visitors had the opportunity to purchase tickets for a chance to win and take home one of these beautifully crafted trees. With each ticket sold, the community came together to make a difference, as 100% of the proceeds were directed towards supporting children in need through the Children’s Treatment Centre & Foundation. Beyond the dazzling holiday décor, this initiative highlighted the power of generosity, bringing together local businesses, organizations, and individuals who share a commitment to making the season brighter for children and families. We are incredibly proud to have been part of this event and grateful for everyone who contributed to its success. Together, we turned holiday magic into meaningful impact.

pg. 26Trillium Mutual Volunteer DaysOur staff members Brittney, Bettina, and Brent spent their day sorting and packaging donations into boxes at the Salvation Army. Two of our staff members, Rhonda and Corey, volunteered at the Wingham Independent Grocery Store to support the CKNX Relief Truck initiative. Our staff (pictured, left) came together to host a successful Christmas Toy Drive, collecting toys and gifts for children, spreading joy one gift at a time! We also hosted our rst Fill the Car for Hunger event in support of the Salvation Army. We spent the day collecting non-perishable food items to help ensure families in our community had access to essentials during the holidays. Our staff member, Lori Fisher spent the day helping serve food and helped in the kitchen for a local Fundraiser in Allenford. They proted with just over $7,000.

pg. 27ROOTS Fund Community SupportIndwell in the Newsindwell.caTara Horticultural Society ($5,000)The donation from the ROOTS Community Fund is going towards tree planting which will enhance the trails and serve future generations, showcasing the society’s dedication to biodiversity and reforestation. Excerpt from The Globe and MailJournalist, Dave LeBlanc, Hamilton, OntarioPublished April 1, 2025Belmore Arena ($2,300)The donation from the ROOTS Community Fund will allow the purchase of an Automated External Debrillator (AED) to be installed in the Belmore Community Center Hall to make the space safer for all users. At Hamilton’s King William Flats, the team from Indwell helps its residents - many of whom came from an unhoused situation - prepare for their next stage after moving in, whether that’s dealing with mental health, nding work, or learning how to cook.“This brings a piece of stability,” says Ashlynn Hill, program manager with Indwell. “You have a safe place to lock your door behind you, knowing no one is going to come in; that was one of the biggest things we heard when folks moved in...And when a person is able to focus on something other than just surviving it means the team at Indwell can get them ready for their next stage, whether that’s dealing with mental health, nding work, learning how to cook, or simply understanding one’s place in the world.”Indwell is a charity that creates affordable housing communities that support people seeking health, wellness, and belonging. You may also recognize Indwell as the charitable organization that 2024 Chair, Marg Torrance introduced to Ontario Mutuals through fundraising efforts at our annual Golf Tournament and Presidents & Managers Meeting.We were pleased to see some of the great efforts of Indwell cited in a Globe and Mail article:“From Parking Lot to a New Home - and a New Start”Sovereign Seeds ($7,000)The donation from the ROOTS Community Fund has made it possible for them to be able to continue their cultural seed production and distribution efforts for the upcoming growing season.

pg. 28Maple MutualMaple Mutual President & CEO, Dean Muharrem (right) is joined by CKSY’s Jay and Amberli to present Sandi Tunks with $10,000 of Groceries from Chatham Superstore.Sandi was the winner of the 2024 Blackburn Fall Haul.Congratulations, Sandi!Maple Mutual Agent, Shelby Ennett is pictured (right) presenting St Andrew’s Presbyterian Church volunteer, Cindy Brewer with a cheque for $1,000. We were proud to support the church’s “A Very Gary Christmas”. Funds raised went to the local Dresden Food Bank.These four brave Maple Mutual souls took the polar plunge on January 18th, raising over $2,200 for Special Olympics Ontario. The Polar Plunge raised over $63,000!Maple Mutual President & CEO, Dean Muharrem presents Pet and Wildlife Rescue (PAW) Executive Director, Myriam Armstrong (and Tony Stark the dog) with a sponsorship towards the Barking Up the Alley Bowlathon. Thanks to the incredible community support, PAW raised an outstanding $13,540, directly benetting the animals in their care!

pg. 29Maple Mutual is a proud sponsor of Chatham Kent Black Excellence Awards for 2025. President & CEO, Dean Muharrem is seen here attending the event and supporting the Maple Mutual booth for the Youth Expo held on February 1st.Join the Challenge at coopcampchallenge.caSend Deserving Youthto Cooperative Camp!New Campaign!

pg. 30MutualONEIlderton Curling’s mission is to provide a safe and engaging place for curling and community. Funding provided ensures curlers of all ages and abilities, including youth, para, and Special Olympics have the equipment and support they require for ongoing programming. MutualONE is pleased to be a part of improving the curling club’s facilities and equipment to the benet of everyone involved, especially equity deserving athletes.We’re committed to building relationships within the community through the support of local not-for-prot initiatives in need of nancial and other assistance. Each year, our Annual Corporate Donation Committee comes together to determine the recipients of the year’s funding budget. MutualONE CONNECTS is excited to present a few of the following not-for-prots chosen through 2024:Seaforth’s Homecoming Committee is committed to creating a memorable celebration that is inclusive of all generations, showcasing Seaforth’s vibrant past, present and future. As a Founder’s Level Sponsor, MutualONE is excited to be part of Seaforth’s 150th Anniversary celebrations and is looking forward to participating in the events and festivities taking place over the Civic long weekend July 31st – August 4th, 2025The unwavering support of Seaforth and the surrounding community has been key to the Seaforth Lions Club’s ability to provide events, facilities and aid to residents for 100 years. MutualONE is excited to support the Lions Club’s efforts in providing a safe well-lit space for the community to enjoy for many years to come.1-800-920-5854Forensic ExpertiseYOU CAN COUNT ONOver 25 Years of ExperienceCompetitive Rates Fast Turnaround Times Call Anytime, 24 Hours a Day, 7 Days a WeekServing Southwestern & Central Ontario & Beyondinfo@caskanette.on.caOUR SERVICESAn experienced team of engineers, consultants, and technologists specializing in: www.caskanette.on.caWe Provide: Hygiene ServicesProperty Claims Personal InjuryStructural & Civil Engineering Failure AnalysisFire & Explosion Investigation (Cause & Origin) Spill Response & RemediationMould, Asbestos & Lead SamplingRemediation ProtocolsStructural Repair ScopesEngineering Drawings & Permit ApplicationAccident ReconstructionExpert Witness & TestimonyAnd More

pg. 31We sponsored a free public skate on February 19th, bringing families together for a fun and active day on the ice. It was heartwarming to see so many smiling faces enjoying the event. We’re also pleased to offer these events continuously as are our way of saying thank you to our community and promoting healthy, active lifestyles.We’re proud to have co-hosted our second annual Fire Prevention Day with the Bright Fire Station. This event brought together local families to learn important re safety tips, participate in hands-on activities, and meet local reghters. We were pleased to help provide a fun and educational experience for our community, emphasizing the importance of re prevention and safety awareness.North Blenheim MutualOur Winter Clothing Drive and Holiday Food Drive were a huge success! Thanks to the generosity of our amazing team and community, we were able to donate a substantial collection of items to Operation Sharing, helping to spread warmth and joy to those in need. We’re so grateful for everyone who contributed to making a difference this season. Together, we’re reminded of the power of kindness and giving back.We’re thrilled to share that our team participated in three local holiday parades!Our staff had a fantastic time spreading holiday cheer and connecting with our community. It was a wonderful opportunity to give back and celebrate the season together. Thank you to everyone who came out to support us in Innerkip, Plattsville, and Bright. We were grateful for the warm welcome and the chance to be part of such festive event.In December, our Agents Jesse, Stephanie, and Miranda, visited Plattsville Public School to make a meaningful contribution to their Food Program. They donated a variety of snacks for the students and presented a cheque to help support this essential initiative.Thank you to our North Blenheim community for your participation in these essential programs!

pg. 32Salus MutualWe supported the Blenheim Ministerial Association’s Food and Gift Hamper program with a $500 donation. Janette Holmes, along with Salus representatives Vanessa Sloan (left) and Skyler Des Rosier, was honored to present this contribution to help bring joy and support to local families in need this season. At Salus Mutual, we’re committed to giving back and strengthening the communities we serve.We supported FreeHelpCK in Chatham-Kent with a donation toward their incredible efforts in the Holiday Hope Project and Adopt A Senior program. Every gift sponsored through these initiatives was thoughtfully chosen and lovingly packaged by their amazing team, spreading joy and comfort to both seniors and youth in our community. Thank you, FreeHelpCK, for your dedication to making the holiday season brighter for those in need! Salus Mutual was honored to give back by sponsoring families in need over the holidays. We believe in the power of community, and we hope to spread joy and make a meaningful impact for local families. Helping others is at the heart of what we do, and we are grateful for the opportunity to contribute to such an important cause. Pictured Erin Eltervoog (left) and Kelli-An DeCook (right).We awarded ve $1,000 scholarships to exceptional students pursuing postsecondary education at Canadian universities, colleges, or accredited programs. Students responded to this year’s assignment question: “You just nished your postsecondary education and got a new job! It’s time to purchase a new car. Tell us how you nd the insurance services you need and what research you undertake before choosing the best insurer and package for your needs. Technology plays a huge role. What are some key factors that help you choose which insurance company best suits you and your needs?” We were inspired by the thoughtful insights and creativity. Thank you to all participants, and a big shout out to our winners. Your future is bright, and we can’t wait to see all you achieve!

pg. 33We supported our community with a $1,000 donation to the East Elgin Community Assistance Program. Andy McTaggart was honored to present this contribution to Volunteer Callie Wall and Manager Penny Hilliker in Aylmer. Giving back is at the heart of what we do, and we are grateful for the opportunity to support the incredible work being done to make a difference locally.We were pleased to donate smoke alarms and carbon monoxide detectors to area re stations. The detectors were presented at the Ridgetown Fire Station #11. Pictured above are, Ken Labonte (CKFR Assistant Chief), Whitney Burk (Community Safety Ofcer), Jeff Derksen (Agent, Salus Mutual), Skylar Des Rosiers (Agent, Salus Mutual), Elyse Kilbride (Agent, Salus Mutual), and Henry VanderGriendt (Fireghter, Station 11).The 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 2024:504,300 educational experiences to students across OntarioOntario Mutuals Proudly Supports AgScape28 thinkAG Career Competitions21 Live Streamed Events16.4K educational resources accessed by educators12K educational experiences through Teacher Ambassador Program (TAP)126.8K educational experiences through virtual eld trips“Speaking with high school students, answering their questions and satisfying curiosities is a wonderful way to encourage them to explore the possibility of a career in agriculture.” - Industry VolunteerLearn more at AgScape.ca

pg. 34Ramoth Life Centre is a haven for pregnant women and young mothers that have had a difcult past and are needing a safe place to live. Alisha had the opportunity to participate in a spa day for the mothers. She gave manicures and pedicures while others did their hair and makeup. Alisha expressed how amazing it was to serve and be a part of showing each of the mother’s that they are loved, valued and beautiful. In addition to the spa day, Ramoth Life Centre offers a variety of volunteer opportunities. The Cuddle Program allows volunteers to provide much-needed respite to mothers by cuddling their babies. Other opportunities include practical workshops teaching the women cooking, sewing, self care etc. More information can be found at ramoth.ca.Tradition MutualWith food bank usage at an all-time high, the Huron County Foodbank Distribution Centre (the DC) continues to support 36 food banks, operate a Mobile Food Bank, and provide school snacks across Huron and Perth Counties. Deb spent a day at the DC, donating and helping with holiday mailings to thank generous donors. She was inspired by the dedication of volunteers working tirelessly to sort and distribute food. Grateful for the experience, Deb hopes to return in her retirement. The DC remains a vital resource for the community, combining food assistance with education to ght hunger. Volunteers and donors play a key role in its mission to ensure food security for all.Shara had the privilege of volunteering with Safe Families Kitchener-Waterloo-Cambridge, an incredible organization dedicated to supporting families in crisis. They offer a compassionate network of community members who provide temporary housing, support, and resources to families in need. Their mission is to keep children safe and families together during times of hardship, and their work truly embodies the spirit of care and kindness. Shara chose to volunteer with them because she deeply admire their commitment to strengthening families and fostering hope.She had the rewarding opportunity to help spread some holiday cheer by picking up and delivering donated gifts.The Rotary Hospice Stratford Perth provides compassionate, palliative care, offering a peaceful alternative to hospitals. Since its opening in 2019, it has supported countless individuals and families through end-of-life journeys. Inspired by his own father’s experience in palliative care, Charles chose to give back by volunteering at the hospice’s Lights of Love Ceremony in late November. This annual event brings the community together to remember lost loved ones during the holiday season. Charles spent the day preparing for the event, shoveling snow, setting up seating and food stations, and assembling thank-you gifts for volunteers. His efforts helped create a meaningful and comforting evening for attendees.

pg. 35The Rotary Hospice of Stratford Perth provides compassionate end-of-life care in a home-like setting, allowing families to focus on quality time rather than caregiving. Volunteers play a vital role in its operations, from kitchen work to resident support. Longtime volunteer, Kim and rst-time volunteer, Sandra recently spent a day baking 220 shortbread cookies for the hospice’s upcoming A Christmas Carol fundraiser. With Sandra’s background as a PSW and Kim’s years of dedication, both found joy in supporting such a meaningful cause. The hospice relies on about 150 volunteers for various roles. Those interested in contributing can learn more at rotaryhospice.ca.Elizabeth had the pleasure of volunteering at Romeo Public School in Stratford as part of their Breakfast Program, which provides nutritious meals and snacks for students to start their day. This initiative is crucial, as it ensures children have a full tummy and are ready to learn, setting them up for success in the classroom. During her time there, Elizabeth helped prepare and serve breakfast while chatting with the students as they arrived. It was a rewarding experience, and she truly enjoyed connecting with the children and hearing about their day ahead. Elizabeth is looking forward to continuing to volunteer a few mornings each month, as it’s a wonderful way to support the school community and make a positive impact on the students’ day.Community Meals is a vital program providing hot meals to individuals and families in need, made possible by local churches and food centers working together. Stratford CRC is one of the participating churches, offering free meals twice a month from November to April. Longtime volunteer Heather has been dedicated to this initiative, helping with meal preparation, serving, and cleanup. With a 31% increase in food bank usage, Heather recognizes the urgent need for food support, especially during winter. On November 26th, she spent the day assisting in the kitchen and connecting with community members over a shared meal. This program continues to make a meaningful impact, thanks to the dedication of volunteers and local organizations.The Community Meals Program is put on every other Monday and is hosted by the St Marys United Church with numerous local businesses and organizations taking turns to sponsor the meal. Andrea, Laurel, and Kelsi served supper to almost 100 people. After supper they helped clean up the hall and the kitchen. There were lots of laughs, lots of stories and a sense of comradery amongst everyone present.

pg. 36We had a fantastic time supporting our hometown hockey team, the Ayr Centennials! Fans were treated to high-ves and hugs from C’Ayrington the Bear, plus plenty of swag, mini sticks, and candy to keep the excitement going. Thank you to all the AFM team members who joined us; Your energy and support made the night unforgettable. There’s nothing better than coming together as a community – it’s what makes moments like these so special.Ayr Farmers MutualAt Ayr Farmers Mutual, we believe in the power of community and this winter, our team came together to make a meaningful impact through several local initiatives. In the spirit of giving (and a little friendly competition), our team took part in the Build for a Cause Challenge to support the Cambridge Food Bank. Armed with creativity and generosity, AFM staff formed small teams to design festive displays using nonperishable food items. The results were impressive - and more importantly, our team collected nearly 900 food items for the Food Bank. To further support the cause, AFM also added a monetary donation to help extend the impact even further.We were proud to sponsor two free public skates during March Break, inviting families and community members to enjoy a fun and free skate at the Burford Community Centre and Gaukel Memorial Community Centre in St. George. It was our way of giving back and celebrating the communities we’re proud to be part of.Whether we’re cheering from the stands, curling on the ice, or supporting community activities, AFM is proud to be part of such a vibrant and caring community!

pg. 37Appointments & Positions ChangesTransforming the MutualsAxiom MutualCherie Seys became our newest in-house Advisor in October. Since joining us as a Member Service Representative (MSR), Cherie has consistently excelled in her role, working closely with the Member Experience team to ensure seamless collaboration between our Advisors and other functions within Axiom. Her dedication in supporting eld Advisors, has been exceptional. She has consistently provided quality customer service, going above and beyond to meet Member needs. We are excited to have Cherie move into this next role!Randy Hulter took on the role of Claims Manager starting 2025. Randy has been an integral part of our Claims team, excelling in his role as a Hybrid Property and Tort Adjuster. His ability to manage claims effectively while keeping his pending down reects his strong organizational skills and commitment to delivering timely service to our Members. The leadership and mentoring he has provided have made a meaningful impact on the team. Congratulations, Randy!HD MutualCongratulations to Naveed Janwari on his promotion to Site Reliability Engineer! Since joining our team in 2023, Naveed has made a signicant impact, consistently driving improvements in system reliability and automation. This new role reects the needs of our company as we transition our infrastructure and services to the cloud. Naveed has also pursued additional Azure certications and expanded his expertise in programming, unit testing, and software development. We appreciate his dedication to innovation, problem-solving, and his can-do attitude, which contributed so much to the team. Congratulations, Naveed – we look forward to seeing your continued contributions as we grow! Maple MutualWe’re pleased to announce that Candie Johnson has been promoted to Business Development Manager. Candie joined Maple Mutual Insurance in 2024 with over 25 years’ experience in the insurance industry. Candie will manage our distribution channels, including Agents, Account Managers and Brokers. Congratulations, Candie!

pg. 38We’re pleased to announce that Steve Dilts has accepted the role of Chief Executive Ofcer. With extensive experience in nance, the mutual insurance sector, and leading organizations through transition, Steve brings valuable expertise to this position. His leadership and strategic vision will be instrumental in guiding Salus Mutual forward.Salus MutualNicole Bain has accepted the position of Customer Service Associate within the Operations department. Nicole brings valuable experience and dedication to her new role. Nicole rst joined Salus Mutual in January 2024 as a Customer Service Representative on the Sales team. We’re excited to see her continued growth and development within the organization and look forward to her contributions in this new capacity. Please join us in congratulating Nicole on this well-earned opportunity!Nicole Fazekas has accepted the position of Sales Assistant within the Sales department. Nicole rst joined Salus Mutual in April 2024 as an Administrative Assistant. We’re excited to see her continued growth and development within the organization. Please join us in congratulating Nicole on this well-earned opportunity!Joanne Burke has accepted the position of Customer Service Representative within the Sales department. Joanne started her journey with us when she joined the Salus Mutual Admin team in April 2024 as an Administrative Assistant. We are thrilled to see Joanne’s growth and development with Salus Mutual! Congratulations, Joanne!Please join us in congratulating Melanie Rose on her well-deserved promotion to Intermediate Accounts Payable Accountant. Melanie’s journey with Salus Mutual (formerly West Elgin) began in February 2017 when she joined as a Claims Assistant in the Claims department. Her dedication and hard work led to her promotion to Junior Accountant in August 2021 and she has continued to excel in her career. Congratulations, Melanie, on this fantastic achievement! We look forward to seeing your continued success in your new role.Please join us in congratulating Stephanie Ford on their well-deserved promotion to the Junior Underwriter role.Stephanie joined Salus Mutual in November 2023 as an Underwriting Trainee, and we are proud to see their growth within the Underwriting department. Congratulations, Stephanie, on this exciting achievement! We look forward to your continued success in your new role.Jess Brown joined Salus Mutual in November 2023 as an Underwriting Trainee, and we’re proud to see their growth within the Underwriting department. Congratulations, Jess, on this exciting achievement! We look forward to your continued success in your new role.

pg. 39Please join us in congratulating Mallory Long on her well-deserved promotion to the role of Intermediate Underwriter. Mallory’s journey with Salus Mutual (formerly Howard Mutual) began in October 2019 when she joined as an Underwriting Assistant. Her dedication and hard work led to her promotion to Junior Underwriter and she has continued to excel ever since. Congratulations, Mallory, on this fantastic achievement! We look forward to seeing your continued success in your new role.Join us in celebrating Andrea West as she takes on her new role as Claims Administrative Assistant. Andrea began her journey with Salus Mutual in September 2024 as a Customer Service Associate and her hard work, dedication, and talent propelled her to this exciting new opportunity. Congratulations, Andrea, on this fantastic achievement! We are incredibly proud of your growth and the contributions you made to Salus Mutual. We can’t wait to see all the amazing things you will accomplish in this next chapter.Please join us in congratulating Lexy Pinder on her well-deserved promotion to Senior Auto Underwriter. Lexy began her journey with Salus Mutual (formerly West Elgin) in January 2018 as an Intermediate Underwriter. Since then, her expertise and commitment to excellence have been evident, and we’re thrilled to see her advance to this new role. Congratulations, Lexy, on this signicant achievement! We look forward to your continued success in this exciting next chapter.We’re excited to announce that Trent Wayne has been promoted to the role of Operations Manager. Trent’s leadership, dedication, and expertise have made him the ideal candidate to lead this integrated approach and drive our continued success. Congratulations, Trent on this well-deserved promotion!24 HOUR EMERGENCY HOTLINE866-366-0493WATER | FIRE | STORM | MOLDTHERE WHENIT MATTERSwww.belfor.com

pg. 40Laura Better-Castillo accepted the role of Underwriting & Product Associate with OMAP. Laura joined Farm Mutual Re in 2021 as the Front Desk Ambassador. Most recently, Laura performed the role of Business Operations Associate within the Business Operations team.In February, Wajida Leclerc transitioned to a two-year term position as our Chief People Ofcer. Wajida joined in July 2024 as a consultant to assist with Chief People Ofcer functions. She holds a Bachelor of Arts in Liberal Arts & Business, a Chartered Profession designation, as well as a certicate in Organizational Leadership. Wajida brings extensive experience from the banking, global telecom, and pharmaceutical industries, leading Human Resources teams at the senior level.C:\Users\Jeffrey Hand\Desktop\2024 Reporting\OMIA ad revised 2-25-25.docx Thank You After fourteen years providing investment consulting services for Mutuals (the last seven as Bonnycastle), Jeffrey Hand has retired effective February 28, 2025. It’s been an honour and a privilege to serve the OMIA community. North Blenheim MutualWe’re excited to announce that Caitlyn Wyatt has stepped into a new role as Sales Agent. With ve years of experience at North Blenheim, she brings a wealth of knowledge and expertise to this new role. Her strong communication skills, dedication, and customer-focused approach will undoubtedly strengthen our sales team and enhance our ability to serve our clients. We look forward to the great contributions she will make in her new role and are condent that her presence will have a positive impact on our clients and company.Germania MutualKrista McNamara has been promoted to Farm/Commercial Underwriting Manager. She started her career as an Associate Agent having serviced residential, farm, and commercial sales. She moved to Germania in 2018 to the underwriting department and has held numerous titles over the years. She is a graduate from the University of Waterloo with a Bachelor of Arts, Psychology Major. She will help the company achieve strategic initiatives with her leadership and knowledge skills. Krista has her CIP designation and is working toward obtaining her CRM. Sarah Holliday has been promoted to Personal Lines Underwriting Manager. Sarah graduated from Conestoga College obtaining her Business of Insurance diploma. She brings prior insurance experience and her 10 year tenure at Germania where she held numerous titles over the years in the underwriting department. Sarah has great technical and leadership skills that have well prepared her to take on her new role. Sarah holds a CIP designation. Farm Mutual ReScott Vanos transitioned to a permanent position as a Business Operations Associate within the Business Operations department. Scott initially joined the organization in September 2024 in a contract position.

pg. 41Matthew Wight joined United General Insurance Corporation in the role of Chief Executive Ofcer in June 2024. Matthew holds a Bachelor of Commerce in Finance from Dalhousie University and is a Chartered Insurance Professional. Matthew has been part of the nancial sector for almost 20 years, primarily in the property claims space holding roles in leadership and adjusting. Matthew resides in the Moncton area with his wife Tanya, and daughters Olivia and Evelyn, ages eight and four. In his spare time, Matthew and his daughter Olivia practice Tae-Kwon-Do. He also loves playing the bass guitar with his blues band, playing at festivals like the Harvest and Jazz Festival in Fredericton.The Board of Directors of West Wawanosh Mutual Insurance (WWMIC) is pleased to announce the appointment of Joshua Slaght as our new President and CEO. Joshua will be taking over for Cathie Simpson, who has dedicated herself to WWMIC for the past 35 years, including serving as President and CEO since 2003. We extend our deepest gratitude to Cathie for her leadership, commitment, and many contributions to the company.Joshua has been supporting WWMIC in his role as Director of Operations for the past two years and brings a wealth of experience, with over 30 years in the insurance industry. Prior to joining WWMIC, he held progressive leadership roles at Economical Insurance. His extensive background in claims adjudication, risk management, and human resources, along with his deep understanding of the industry, positions him as a tremendous asset to WWMIC. Joshua also holds his Chartered Insurance Professional (CIP) and Fellow Chartered Insurance Professional (FCIP) designations.Residing in Deneld, Ontario, with his wife and two children, Joshua is actively involved in his community. He embodies WWMIC’s core values by prioritizing relationships in both his professional and personal life. We are delighted to welcome him as our new leader and look forward to the future under his guidance. Joshua ofcially assumed the role of President and CEO on April 7th, 2025. Please join us in congratulating him and wishing him success in this new chapter.West Wawanosh MutualUnited General InsuranceLOCAL LARGE LOSS BUILDERSPROVINCE-WIDE COVERAGE+1 800-390-4902

pg. 42Training & EducationMap 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. Hover on “Education” and click “Education Calendar”.Remember to sign up for our On Demand eLearning courses at www.omiaelearning.com!Course Date & NameApril 22 (1pm - 4:30pm) - Applying the Fault Determination Rules - Live OnlineApril 23 & 24 (9am - 3:30pm) Ontario Mutual Loss Prevention League - In PersonApril 24 (10am - 11am) - ERM Forum - Live OnlineApril 25 (9am - 12:30pm) - HSB Residential, Commercial & Farm Equipment Breakdown Coverage ReviewApril 28 (9am - 3pm) - Introduction to the Mutual System & Introduction to the Insurance Industry - In PersonApril 29 (9am - 3pm) Introduction to the Role of the Director - In PersonApril 29 & 30 (9am-12:30pm) - Claims Series: Understanding Medical TerminologyMay 1 (9:30am - 11:30am) - Underwriting Managers Roundtable - Live OnlineMay 1 (5pm - 8pm) - Board Self Evaluation - Live OnlineMay 6 & 7 (9am - 12:30pm) - Commercial Property Coverage Review - Live OnlineMay 7 (9am - 4:30pm) - Boatowners & Marine Coverage Review - In PersonMay 8 (9am - 3pm) - Accountants Roundtable - In PersonMay 9 (9am - 10:30am) - Professional Presentation Skills - Live OnlineMay 13 & 14 (9am - 12:30pm) - Commercial Lines Auto Program - Live OnlineMay 14 (9am - 3pm) - Claims Managers Roundtable - In PersonCourse Date & NameMay 15 (9am - 3pm) - Property Adjusters Roundtable - In PersonMay 15 (9am - 4pm) - University of Waterloo: Delegating for Dynamic Results - In PersonMay 16, 23, 30 (11am - 12pm) - Emotional Intelligence - Live OnlineMay 20, 21, 22, 23 (9am - 3pm) - Introduction to Farm & Farm Insurance - In PersonMay 23 (9am - 3pm) - Business Continuity & Disaster Recovery Roundtable - In PersonMay 28 & 29 (9am - 12:30pm) - Personal Liability Coverage Review - Live OnlineJune 3 & 4 (9am - 12:30pm) - Commercial Liability Coverage Review - Live OnlineJune 3, 10 & 17 (11am -12pm) - Leading High Performance Teams - Live OnlineJune 4 (9am - 3pm) Introduction to Reinsurance - In PersonJune 5 (9:30am-3:30pm) HR Roundtable - In PersonJune 5 (9am - 3pm) - Underwriting Managers Roundtable - In PersonJune 6 (9am - 10:30am) - Sales Skills - Turning Prospects Into Clients - Live OnlineJune 9 & 10 (1pm - 4:30pm) - Farm Property Coverage Review - Live OnlineJune 9 (5pm - 8pm) CEO Evaluations for Directors - Live OnlineJune 11 (1pm - 4:30pm) - Personal Umbrella Liability Coverage Review - Live Online

pg. 43OMIA Certication ProgramMap Your Path to Success at OMIAOur goal is to be the priority source of training and education for mutuals by creating superior member focused skills and knowledge programs.The OMIA Certication Program (formerly Insurance Practitioners Certicate) has been designed to align individual certicates with industry disciplines.Each Certicate has been customized to support knowledge and skills required for professional growth. Members may opt to follow the Certicates as outlined, or choose to create a development plan based on internal business needs.OMIA currently offers the following certicates:AgentsDirectorsClaimsLoss PreventionMutual ServiceUnderwritingWe’re pleased to announce the launch of the OMIA Leadership Certication Program featuring the University of Waterloo Leadership and Advanced Leadership courses! Members, please visit omia.com and the page: Education > Certication Program for more detailed information.

pg. 44Congratulations to Lisa Dunne on her 5 year milestone with Erie. Lisa has been a versatile and quick learner in many areas, adding her strengths and skills to make a major impact. You may recognize Lisa from some of our marketing video content in previous years where she did an amazing job. She has been an important addition to our claims team since joining the department and brings a high level of organization to her daily tasks. MilestonesRecognizing mutual members’ employment anniversariesBCM InsuranceWe’re proud to celebrate Claudia Pierson’s remarkable 40-year career with BCM Insurance. Claudia began her journey with BCM in 1974 in a clerical role, one of just two employees at the head ofce at the time. After a decade-long break to raise her children, she returned to the company in 1994, this time as a sales agent, where she has remained ever since. Claudia’s deep passion for BCM Insurance’s rich history and the story of the mutual insurance industry has always been at the heart of her work. She takes great pride in sharing this knowledge with her clients and strives to provide exceptional service to each of her policyholders. Her dedication to preserving and promoting our shared values has made her a cornerstone of our team. As Claudia reaches this signicant milestone, we reect on her unwavering commitment, her wealth of knowledge, and the countless ways she has contributed to BCM’s success over the years. We look forward to more years working with Claudia as she approaches retirement.Erie MutualCongratulations to Chris McIntosh on his 5 year milestone. Chris joined our team just as everything was shutting down due to COVID back in March of 2020. Lucky for us, he was able to learn on the job with his previous experience and has become a tremendous asset to our claims team over the past ve years. Chris does well to keep on top of the challenging world of claims efciently and effectively. Congratulations to Trent Doan on his 5 year milestone. Trent was well accomplished in the eld of insurance when he joined our team in February of 2020 and brings a great deal of experience and knowledge to his role. Trent deals with our more challenging claims that require extra time and effort to ensure successful results for the customer and the company.

pg. 45Congratulations to Peter Flannigan on celebrating 5 years with Germania Mutual. We deeply appreciate all your hard work and dedication.Congratulations to Shawn Higgins celebrating 20 years with Germania Mutual. Your dedication, hard work and commitment have been truly inspiring. Thank you for being an essential part of our team. Congratulations to Lindsay Smith on celebrating 5 years with Germania Mutual. We deeply appreciate all your hard work and dedication. Congratulations to Norm Mackenzie on his 15-year milestone at Erie! Norm joined our team in 2009 with a vast knowledge of the insurance industry and has been instrumental in our growth and retention of various farm accounts over the years. He continues to help service many large farm policies and is an essential asset to our policyholders and staff with his years of experience. Thank you, Norm. Congratulations to Desiree Crysler on her 10 year milestone! Desiree has been an important team player in our underwriting department. Her start at Erie 10 years ago was in a CSR role under our sales team, then over time she transitioned to underwriting. Desiree has witnessed the growing need for data and detail during her tenure. Her current focus in underwriting is in the areas of auto insurance and loss prevention. HD MutualCongratulations to the following staff on their career milestones: 5 Years of ServiceKristine DuenchKatie MacKinnonTyler NixonTerry Betzner10 Years of ServiceJeff Muysson35 Years of Service!Don GrahamHeartland MutualWe’re pleased to celebrate the following staff members on their ve year milestones with Heartland:Katie Morris Agency Administrator IIAreej Aldulaimi Senior Farm UnderwriterCole Bentley Commercial Underwriter IIStanley MutualCongratulations to our President and CEO, Greg Dunlap who has celebrated his 10-year Anniversary at Stanley Mutual Insurance. Germania Mutual

pg. 46THINK 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 | 1-800-387-0859 bcaldwell@caldwellsecurities.comwww.caldwellsecurities.comTrillium MutualIn November 2024, during our annual holiday luncheon, we honored employees celebrating 5, 10, 15, and 20 years with the company to recognize their commitment, hard work, and valuable contributions. This celebration was to show our appreciation for their dedication and loyalty to the company.Congratulations on your milestone anniversaries with Salus Mutual!Salus Mutual5 Years of ServiceMallory Long Dana McKinlay10 Years of ServiceMatt Ross20 Years of ServiceKelli-An DeCook 25 Years of ServiceMary Gosnell

pg. 47North Blenheim MutualWe’re excited to celebrate Jeff Dahmer’s impressive 15-year journey with North Blenheim Mutual. Jeff began his career here as an All-lines Claims Adjuster, where his expertise in Accident Benets and Bodily Injury claims set him apart. Over the past seven years as Claims Manager, his leadership has been key to the department’s success and in providing exceptional service to our clients. Jeff, your dedication to the company is truly appreciated. Congratulations on this fantastic achievement, and here’s to many more years of continued success!Congratulations to Greg Byermann for reaching 5 years as Loss Prevention Inspector. Greg’s attention to detail and unwavering commitment to safety have been a tremendous asset to both the organization and the community. Thank you, Greg, for all your hard work. Congratulations to Valerie Gerber on an extraordinary 20 years with North Blenheim Mutual. Val’s outstanding career in the accounting department has had a lasting impact on our operations, and her dedication has been key to our success. Now, as a board member for the last 3 years, and currently sitting as Chair of the Board, Val continues to play a crucial role in shaping the future of North Blenheim. Val, your commitment and leadership are deeply appreciated. We’re thrilled to celebrate this milestone with you and look forward to many more years of your guidance and contributions!Congratulations to Gavin Stewart on marking 20 incredible years with North Blenheim Mutual. Gavin’s contributions, from his early days in Claims to his tenure as COO, have been pivotal in driving our organization forward. Now, as a board member for the past 1.5 years, he continues to bring valuable insights and leadership that shape the direction of our future. Gavin, we thank you for your dedication and are proud to celebrate this signicant milestone with you. Here’s to many more years of success and innovation!We’re thrilled to celebrate a remarkable milestone as Shelley Deyo marks 25 years with North Blenheim. Over the past quarter-century, Shelley has been an invaluable member of our team, demonstrating unwavering dedication, exceptional expertise, and a commitment to excellence. Throughout the years, Shelley has made signicant contributions to our company, consistently going above and beyond to serve our clients and support our team. Her hard work and loyalty have played a crucial role in our success, and we are incredibly grateful for her continued dedication.We’re delighted to celebrate Tara Lounsbury for reaching her 5 year milestone as a Commercial Underwriter. Tara’s dedication, expertise, and commitment to excellence have been invaluable to our team.We’re delighted to celebrate Stephanie Murray for reaching her 5 year milestone. Stephanie has shown incredible growth and dedication, starting in Reception and worked into the role of Sales Agent where she demonstrates versatility and a commitment to excellence.We’re delighted to celebrate Caitlyn Wyatt reaching her 5 year milestone. Caitlyn has excelled in multiple roles, showcasing her versatility and dedication. In her latest role as Sales Agent, Caitlyn continues to demonstrate expertise and a commitment to excellence.

pg. 48AccomplishmentsCongratulating mutual members on professional developmentNova MutualWe’re so proud to congratulate our Claims Manager Rachel, and our Intermediate Auto Claims Adjuster Diana on their recent accomplishments. After much hard work and dedication, they have both earned their CIP certication. Congratulations to both Rachel and Diana on your hard work on these amazing achievements!Stanley MutualCongratulations to Jodi Simpson on achieving her Chartered Insurance Professional (CIP) Designation! We’re incredibly proud of Jodi for her hard work, dedication, and perseverance in earning this prestigious industry certication. Her commitment to professional growth is a testament to her passion and expertise in the insurance eld. We look forward to your continued success and the amazing impact you’ll make on our community.Salus MutualWe’re thrilled to celebrate Justin Burley on achieving his Advanced CIP designation! This accomplishment is a testament to his dedication, hard work, and commitment as an Agent. Congratulations, Justin. We’re so proud of you!We would also like to congratulate Michelle Craeymeersch on achieving her CIP designation! This remarkable accomplishment reects her dedication, hard work, and commitment as an Underwriter. Well done, Michelle, we’re so proud of you!

pg. 49Ayr Farmers MutualAt Ayr Farmers Mutual, we take pride in recognizing team members who go above and beyond to uphold our values. This year, we were proud to present the AFM Commitment Award to Brian Harte - a well-deserved honour for someone who consistently embodies what AFM stands for.Nominated by his peers, Brian’s condence and experience provide comfort and reassurance to our policyholders. His thoughtful, responsive approach ensures their needs are always met with care. A natural mentor, Brian generously shares his knowledge, leading with integrity and a strong commitment to doing what’s right. His dependable, compassionate nature has made a lasting impact - not only on our policyholders but also on our entire team.Congratulations, Brian, and thank you for your dedication and the positivity you bring to AFM!Our values are the foundation of who we are - relationships, teamwork, integrity, enthusiasm, communication, and stewardship. Each year, we recognize a team member who truly lives out these values in all they do. We are proud to announce that the inaugural AFM Values Award was presented to Vanessa McKinnon - a well-deserved honour chosen by her peers. Vanessa’s collaborative spirit, approachable nature, and dedication to helping others succeed make her an invaluable part of our team. With her warm personality and genuine care for those around her, she builds meaningful connections and fosters a positive environment wherever she goes. Her unwavering enthusiasm and respect for others are a testament to her character, and why she’s so deserving of this recognition. Congratulations, Vanessa, and thank you for inspiring us all!We believe in the power of growth and learning. We were proud to recognize several team members for their recent educational accomplishments - a testament to their dedication, hard work, and commitment to excellence.Congratulations to all who achieved this milestone! Your pursuit of knowledge strengthens our team and helps us better serve our policyholders.Caroline Mansell and Bobbi Chapman both received their CIP designations.Ashley Seth achieved her CPA designation.Paula McMahon earned her Governance Professionals of Canada Designation (GPC.D)

pg. 50OMIAThe Guidewire ALLSTAR program recognizes individuals for their outstanding transformation and the results they are creating within their businesses. Kendra Dick was recognized for her expertise in launching Guidewire Software’s PolicyCenter and improving efciency through system stabilization and new workows. Kendra Dick was also promoted to Manager of Projects & Insurance Applications in February. In this role, Kendra’s existing portfolio will be expanded to include responsibility for overseeing product development and project governance. Please join us in congratulating Kendra!A huge congratulations to Kurt Tosetto and Jessie Poulin of Trillium Mutual on achieving their CIP designation! This accomplishment reects their dedication and hard work, with the CIP designation showcasing their commitment to professional growth and excellence. We are lucky to have both of you on the team. Well done!Howick MutualTrillium MutualHowick’s own Melissa Ellis was successful in passing all requirements to obtain her CIP Designation. Congratulations Melissa!Congratulations to three OMIA team members on their recent academic achievements! Shawn Zhang (pictured, left) achieved his Fellow Charted Insurance Professional designation (FCIP), Mandy Hetherington (picture, right) and Niveditha Nair achieved their General Insurance Essentials designations (GIE). Way to go!

pg. 51BCM Insurance Company2025 marks an incredible milestone – BCM’s 145th anniversary! Since founding in 1880, we have persisted to stay committed to serving our customers and the surrounding Niagara Region with the highest degree of dedication, innovation, and trust. Over these past 145 years our organization has expanded, evolved, and adapted but our core values have always remained the same since day one. Join us in celebrating this incredible achievement as we want to acknowledge all our employees, customers, and community partners who have been an integral part of this journey, every step of the way. Here’s to 145 years of excellence!Trillium MutualTrillium was selected as one of Southwestern Ontario’s Top Employers in February. This recognition showcases our exceptional commitment to employee well-being and professional growth. We’re proud to offer our staff benets, including annual lifestyle spending accounts, job-related tuition subsidies and a wellness program that includes mental health support. These all contribute to a positive and supportive workplace environment for our teams.Westminster MutualWe’re excited to share that our renovations, which began in January 2024, were completed in November 2024. The project included a new addition and the creation of more workstations, enhancing our workspace to better support our growing team. We celebrated this milestone with an open house on December 13th, 2024, where staff, clients, and community members toured our improved facilities.These upgrades mark a new chapter for us, and we look forward to continuing to provide excellent service in our enhanced space.Other News & Events

pg. 52Join Us in Celebrating Our 150thAnniversary!...and stay to Enjoy a BBQ immediately following the ceremonies.Friday, August 22, 202523 King Street West, Cayuga, ONOpen House: 1-4 p.m. Ceremonies: 2 p.m.A telephone RSVP is required by July 30th 905-772-5498 | 1-800-576-3381Due to limited parking in the village a shuttle service will be provided from the Haldimand County Museum, 8 Echo St. W., Cayuga, ONcayugamutual.comUsborne & Hibbert MutualAt the end of the year, our team came together and participated in three Christmas parades with a decorated oat The parades took place in Exeter, Mitchell and Mildmay. Team members, agents and even board members, were involved this year in driving our oats!Stanley MutualWe would also like to congratulate Greg Dunlap, President and CEO, who was recently featured in Canadian SME Small Business Magazine! This article highlights Greg’s leadership and the exciting transformations happening at Stanley Mutual Insurance. For those interested in learning more about how Stanley Mutual is shaping the future of the workplace, the article can be found at canadiansme.ca/stanley-mutuals-workplace-transformation-a-new-era-of-success.Stanley Mutual is proud to have won the second annual Best Places to Work in Atlantic Canada award. We’re dedicated to creating a work environment that fosters growth and supports our team.

pg. 53Ayr Farmers MutualAyr Farmers Mutual proudly offered a refund from premiums to eligible 2024 policyholders. AFM’s Board of Directors approved a $1.53 million refund, the second largest in the company’s history and benetting more than 11,000 families and businesses. This decision came after another nancially strong year, reecting AFM’s enduring commitment to its policyholders. When the company performs well, the benets are shared directly with those who make it successful - its members.We were proud to join industry peers at Conestoga’s Industry Night, where students had the chance to connect with professionals and explore career opportunities in insurance. Our team, Chelsea, Kylie, Blair and Tony, enjoyed sharing insights, answering questions, and witnessing the incredible enthusiasm these future leaders bring to the industry.The AFM team had a blast at this year’s Farm Mutual RE/OMIA Bonspiel! The day was lled with curling, friendly competition, and great company. A special shout out to Jamie Sass and his team - Melanie O’Shea, Amy Butler, and Scott MacNeil - for taking home the win at the 2025 Bonspiel! The event’s signature Beer & Wine Survivor fundraiser was another highlight, with proceeds supporting the Farm Mutual Re Foundation. Thank you to everyone who participated and contributed to this meaningful cause.PEI MutualWe’re pleased to share that we have won the Workplace Excellence award at the Charlottetown Chamber event, the 2025 President’s Excellence Awards Gala! This award recognizes organizations that foster positive, healthy, and productive workplaces through innovative HR practices. During the application process, reviewed by an impartial, Canada-wide panel we shared some of our innovative human resource practices:• Clothing Allowance: 70% company subsidy up to $500/year through an online store• Regular events like costume/theme contests, Christmas parties for kids and adults, secret Santa, ofce lunches, summer party, golf tournaments, sponsored events like Festival of Small Halls, tickets to various dinners and award ceremonies, and many more throughout the year• Professional Development: Support for training, conferences, and education• Employee Recognition: Awards every 5 years with gift options• Interest-Free Loans: Available with exible repayment and reapplication• Pension Matching: 7.5% RRSP matching, one of PEI’s best plans• Various wellness challenges throughout the year, and a $500 betterment fund for wellness purchases for each staff member. Ergonomic assessments for staff and purchases and adjustments to ensure each workstation is setup optimally. • Newer and modern ofce with comfortable spaces, lunch room with free coffee and tea. • Option for compressed work weeks for some departments and exible working hours and arrangements

pg. 54Kent & Essex MutualOntario MutualsThis past January, Kent & Essex was excited to exhibit at two major regional trade shows – the London Lifestyle and Home Show and Chatham-Kent Farm Show, and another trade show recently in March – the London Farm Show. These highly anticipated events provided the perfect platform for us to connect with the community, engage with potential and existing customers, and advocate for the importance of insurance, from homeownership to farming operations. To make our presence even more memorable, we engaged attendees with interactive experiences and indulged them with free exclusive Kent & Essex giveaways. Thank you to everyone who visited our booth. The London Farm Show at Western Fair District is the largest spring farm show in eastern Canada, featuring over 300 exhibitors and 230,000 square feet of show space, showcasing the latest in agricultural technology and equipment. OMIA was pleased to once again host a booth in the trade show, which offered a great space for Ontario Mutuals to gather, meet policyholders, discuss the industry and network. Eight mutuals signed up 22 participants who handed out small giveaways and encouraged visitors to play Plinko, with an aim to gain ‘tokens’ towards an Ontario Mutuals donation to 4-H. We were happy to contribute the $2,100 raised to a very grateful 4-H Ontario who will put the funds towards their earliest leadership development program, Youth Adventure Camp.

pg. 55Collectivde2024 marked a signicant milestone for Collectivde as we celebrated our fth anniversary. This achievement wouldn’t have been possible without our incredible team, broker partners, Board of Directors, and shareholders; your support has been instrumental in our success. We hit two additional milestones by joining the 100-100 Club: we are over $100 million in GWP (Gross Written Premium) and have over 100 employees throughout our network!Grenville MutualLet’s Talk – First Step to Mental Well-beingTo mark Bell “Let’s Talk Day” on January 22nd, the Grenville Mutual team enjoyed an afternoon wellness break. With plenty of great conversation, healthy snacks, and smoothies, the afternoon was a chance to focus on what makes people happy and how we can support each other. Everyone also chose an amigurumi emotional support toy - a small, but meaningful, reminder that talking things through can make a difference. A great way to reset and recharge! Nova MutualTeam members from Nova Mutual were invited to attend the Norfolk County Agricultural Society AGM. We got to hear speeches from the many candidates who sought election on the board, learning their history and connection and why it meant so much to them to be more involved and invested with the organization. We were truly humbled and honoured to be presented with the Ontario Association of Agricultural Societies Accomplishment Award, in recognition of outstanding contributions of time and energy or resources that contribute to the success of the Norfolk County Agricultural Society. Steve Balcomb, Past President of NCAS presented the award and shared why Nova Mutual was nominated…“Their dedication to promoting and preserving agricultural traditions reects a shared belief in the importance of celebrating our roots while embracing innovation. Through their sponsorship and encouragement, Nova Mutual has helped transform our South Drive streetscape, leaving a legacy that will inspire generations to come. Their commitment to community-driven initiatives is a shining example of what it means to truly invest in the people and places that make Norfolk County so special.” We are so proud of this long-standing community partnership and grateful for this incredible award.

pg. 56Farm Mutual ReThe 2025 Farm Mutual Re and OMIA Bonspiel was once again a great success, despite a winter storm which made travel challenging. Participants raised $1,940 playing Beer & Wine Survivor for the Farm Mutual Foundation. Rolling Stones took rst place with 42 ¼ points, and Sweep Dreams took second place with 42 points. All members of the winning teams brought home delicious sirloin strip steaks. Sheet Heads and Clean Sweep both took home ground beef as a consolation prize for their last place nishes. A special thank you to Emerging Leaders Committee for contributing popcorn to the giveaway bags. Farm Mutual Re President & CEO, JP Gagnon (left) and OMIA President, John Taylor (right) are pictured below presenting the prizes to the four teams.Rolling Stones, rst draw winners: Jamie Sass, Melanie O’Shea, Amy Butler, and Scott MacNeil.Sheet Heads, rst draw underdogs: Glenn Pick, Tia Milnes, and Steve SmithSweep Dreams, second draw winners: Riley Doolittle, Cindy Phillips, Tracy MacDonald, and Ed ForbesClean Sweep, second draw underdogs: Andy Younker, Emily Downing, Jamie Foss, and Mark Fisher

pg. 57We’re also pleased that, for the ninth year, Farm Mutual Re was named one of Waterloo Area’s Top Employers for 2025. Farm Mutual Re is proud to have been named one of Southwestern Ontario’s Top Employers for the second time (and the second year this award has existed). In February, Farm Mutual Re’s Board of Directors treated employees to a barnyard bash themed Thank You Celebration Dinner for all their work throughout 2024.It was a wonderful night lled with socializing, line dancing, and a delicious dinner.We had a successful clothing drive in January, spearheaded by our 350 Pinebush Green Team. Gently used clothing, textiles and more were donated to Diabetes Canada. Tel: 519.744.4491Toll Free: 1.800.387.6419Email: 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. 58Salus MutualOntario MutualsIntroducing this year’s Rural Change Makers Discover more at ruralontarioinstitute.ca/changemakers Find our video: Spotlight on Rural Change Makers on the Ontario Mutuals Youtube channel!Salus team members, Nikki Preston and Vanessa Sloan had a great time connecting with students and professionals at the Fanshawe College Lawrence Kinlin School of Business during their College Job Fair. Both enjoyed meeting so many talented individuals and sharing insights about careers in the insurance industry.Ontario Mutuals was the Ofcial Bag Sponsor at the Ottawa Valley Farm Show, March 11th to 13th at the EY Centre in Ottawa. This is an extensive tradeshow, bringing together farmers and industry professionals to facilitate networking and sharing of information.The Rural Ontario Institute (ROI) is excited to announce the 2024/25 young leaders of change who have begun their leadership learning journey together through the Rural Change Makers (RCM) program. “We have another incredible group of passionate emerging leaders this year each with unique perspectives and lived experiences. The participants in the program span northern, southwestern, central and eastern Ontario. They range in age from 18 to 35 years old and are at various stages in their lives and careers, but all at the beginning of this leadership experience of change and growth,” says Melanie Bidiuk, ROI Communications and RCM Program Manager. “I am excited to see how we come together, lead and how we give back in our communities.” This transformative program will equip emerging leaders throughout rural and northern Ontario with skills to mobilize community-led action on local priorities.Abbie Lakhan (Petawawa)Bobbie McKay (Thunder Bay)Charlie Plourde (Timmins)Chirag Parcha (Belleville)Christina Raddatz (Douglas)Davinder Singh (Timmins)Elizabeth Edwards (Trenton)Francesca Solomon (Guelph)Jesselyn Gray (Pikangikum)Dr. Jessica Becking (Bath)Jolenè Drouin (Niagara Falls)Josée Labelle (Kapuskasing)Kasha Kakekagumick (Wabigoon)Kiydan Zacariah (Picton)Matthias Brown (Angling Lake)Mina Bahador (Richmond Hill)Natalee Schors (Hillsdale)Morgan Scott (Brighton)Natalee Schors (Hillsdale)Rachel Richer (Laurentian Hills)Ropheka Adofo (Thunder Bay)Samantha Loney (Barrie)Sarah Richer (Eganville)Shay Hutchings (Haliburton)Skye Kakekagumic (Sandy Lake)Vijay Monias (Sandy Lake)Will Wellington (Stratford)Zeel Parmer (Windsor)

pg. 59Ontario Mutuals proudly supports the Ontario Agricultural Hall of Fame (OAHF). This year ve leaders who have made signicant contributions to Ontario agriculture and beyond will be inducted into the OAHF in 2025. Their inuence spans a diverse range of agricultural pursuits from livestock genetics to soil health and environmental sustainability to labour issues in horticulture, poultry welfare, and bovine veterinary medicine. The 2025 inductees are: Edward Blair (Ted) Burnside, Kenneth Elgin Forth, Donald Wallace Hart, Craig Hunter, and Ken Leslie.Induction into the OAHF is a prestigious honor, recognizing visionary leadership, innovation, entrepreneurship, and a lasting legacy within Ontario agriculture. Save the Date!July 14th-15th, 2025Designed for those who are:• Beginning a career in the mutual system• Interested in growing within the industry• Focused on developing leadership skills• Hoping to connect with like-minded peers.This year’s theme is Leading Without a Title which highlights the importance of leadership development at every stage of a career. Key topics will include: professional growth in companies of any size, building and maintaining healthy work habits, setting boundaries and recognizing burnout, sustaining long-term engagement and enthusiasm in the workplace.Featuring inspiring speakers, meaningful discussions, and valuable networking opportunities with fellow professionals in the mutual insurance industry.Hosted by OMIA and the Emerging Leaders CommitteeWatch for registration details coming soon!

pg. 60OMIA Chair, Marg Torrance welcomed delegates to OMIA’s 143rd Annual General Meeting and Convention on Thursday, March 27th. This day followed a luncheon and information session from Farm Mutual Re, and preceded a breakfast, AGM, and information session from Collectivde. There was an excellent turnout with over 575 attendees. (We’re pleased to note that we had 65 rst time attendees.)Marg’s theme for the year was Learning, Living, and Leaning in and her year provided many opportunities to do all three.Keynote SpeakerThe convention keynote, Dan Riskin, provided a unique perspective about what Mother Nature can tell us during times of great uncertainty. With recent announcements on a global trade war emanating from the United States, Dan’s message was timely and on point. He also shared intriguing examples from nature on adaptation including more information than we ever thought we would hear about bats.AGMsThe Fire Mutuals Guarantee Fund and OMIA Annual General Meetings took place mid-morning. The OMIA meeting included addresses from President, John Taylor, Chair, Marg Torrance, and Incoming Chair, Kevin Inglis.Marg shared examples that illustrated how we have grown as mutuals while staying rmly connected to our communities and policyholders. John Taylor provided a report on OMIA’s 2024 activities and the important work that mutuals do in promoting stability during uncertain times. He provided an overview of ongoing projects on a Corporate Governance Framework, Climate Risk Disclosure, data alignment, and promoting mutuality. He also reported on the mutuals contributions to the Insurance Bureau of Canada’s recent media campaign on “Protecting Our Tomorrows” focused on how insurers work to protect individuals and communities from severe weather events.John thanked retiring Director at Large and outgoing Chair, Marg Torrance, for her service to the mutuals and congratulated her on her exceptional forty-year plus insurance career.Incoming Chair, Kevin Inglis introduced his theme for 2025/26: “A Strong Legacy & Secure Future.” He also shared his family’s involvement with the Ontario Mutuals through four generations since 1901.Awards During the awards luncheon the Presidential Merit Award was presented to Sharon Dittmer of the Ontario Mutual Insurance Association and the Outstanding Contributor Award was presented to West Wawanosh Mutual.We also recognized 13 directors who completed the OMIA Directors Certication with modules on governance, the business of insurance, insurance nance and accounting.Information SessionsThe non-delegates program was a trip to “Little Canada” a unique exhibit with accurate and striking models of Canadian landmarks and communities from coast to coast.During the afternoon, delegates participated in educational sessions on the following topics:• Financial Services Regulatory Authority – Updates and Open Discussion• Behind the Scenes with Renewable Energy• Ontario Mutual Automobile Plan – Discussion and Interactive Panel • The Bigger Picture in the Board Room• Climate Risk and Insurance Meet in the Headlines• Emerging Leaders Panel – Beyond Recruitment, Engagement, and RetentionThe 99’s provided our banquet entertainment and this was followed by the ever-popular Farm Mutual Foundation Auction in the OMIA and Farm Mutual Re hospitality suite.The auction raised proceeds of over $35,000.The 2025 OMIA Annual ConventionMarch 26th to 28th, Toronto

pg. 61Keynote, Dan Riskin

pg. 62Dress for the Decades Celebration We were pleased to recognize our recipients of the Presidential Merit Award and the Outstanding Contributor 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 Sharon Dittmer of OMIA, pictured below (right) with Chair, Marg Torrance. Monday September 24th, 1984, on Eagle Street in Cambridge, was the rst day on the job for OMIA’s new Accounting Benets Clerk, Sharon Lewis.The accounting world that Sharon joined was a little less complicated than today. OMIA’s total revenue in 1984 was $236,000 and the net income was a healthy $7,500. Sharon became the fth employee of OMIA. We now have 32 employees.Over the 40 years since, Sharon’s career path has paralleled the growth of the mutuals. Her commitment to lifelong learning was evident from day one, as she completed accounting and payroll certications, as well as achieved her CIP designation from the Insurance Institute of Canada. In 2005, Sharon was promoted to Treasurer and Manager of Administrative Services. In her almost 20 years in this role Sharon has shaped and improved OMIA’s member pension and benet programs. Sharon’s dedication to creating a sustainable yet competitive group pension and benets program has been a major contributor to the mutuals ability, as small businesses, to attract and retain staff, leaders, and board members. Sharon is the lead staff liaison with OMIA’s Benets Committee, she started the Human Resources Roundtable, and has overseen the OMIA salary survey. She has also been an unsung hero at the OMIA Board table, developing compliance reporting, governance calendars, and sample board policies that have found their way out to many other mutual board tables.Above all, Sharon embodies the mutual spirit at OMIA. She sets high standards for our work but understands the human side of building a team and providing responsive service to members. She is a trusted colleague and friend to all of us here today. On behalf of the Ontario Mutual Insurance Association and its members we are proud to honour a very worthy recipient of the Presidential Merit Award. 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 West Wawanosh Mutual.On December 20th, 1878, a meeting was called at the West Wawanosh Township Council Hall, as to whether it was “expedient to organize a Fire Insurance company upon the Mutual Principle”. The meeting records show 70 votes for yes against 12 no’s and so the storied history of West Wawanosh Mutual began. West Wawanosh has always followed a neighbour-helping-neighbour philosophy. This was never more evident than on August 21st, 2011, when an F3 tornado directly struck the town of Goderich with damage occurring up to a swath of The 2025 OMIA Annual Awards RecipientsCathie Simpson (middle) and Traci Radford (right) receive the award from OMIA Chair, Marg Torrance.

pg. 631.5 km on a track 20km long. In responding to this historic event, West Wawanosh Mutual demonstrated the resilience of farm mutuals, the importance of a mutual reinsurance system, and the benet of having a local, community-based insurer. Above all, West Wawanosh showed dedication to rebuilding people’s lives after a devastating event.In the mutual community itself, the West Wawanosh Board and Staff have been unselsh contributors to their fellow mutuals. Traci Radford was one of the founding members of OMIA’s Accounting Advisory Committee that spearheaded and delivered the conversion strategy for IFRS-17. Brad Vanstone was an OMIA Director from 2012 to 2021. In his year as OMIA Chair in 2018-19, Brad’s theme “Embracing Youth and Technology” focused on two critical strategic factors for mutual insurers. Brad’s practical, plainspoken approach was both effective and “adventurous”.Director Mary Garriock was an original member of the Collectivde Board and CEO Cathie Simpson was a member of the OMIA Marketing Committee and the Auto Rate Filing Committee.Director Lloyd McGillivray joined the OMIA Board as Group C Director in 2024 and serves on the Legislative Affairs Committee. We were very pleased to honour West Wawanosh Mutual with the 2025 Outstanding Contributor Award.

pg. 64A Message From Sue: This note is sent to the many folks that I owe thanks to over the years that have been associated with the mutual insurance company world in Canada. Whatever your role in your company, it has been a privilege to work with you on the telephone, in the training room, in meetings, in person, by email, on Zoom or on Teams. I knew it wasn’t going to be possible to express myself to all of you in person, so I hope that this is a reasonable substitute. I consider it an honour that I have, in my years on staff at your trade association, been given the opportunity to learn from you, with you and for you, the changes and adjustments that insurers must take as we reect the changes that society takes. Whether those changes be in the equipment policyholders use in their lives or operations, construction of buildings, stock, produce, livestock, business types, accounting standards, legislation and regulation (Federal and Provincial), the impact of municipal differences, regulatory requirements and so on, I have always been proud of the fact that this group of insurers would regularly respond with an attitude of, “If we do this, how will we do it? And does it make sense to do it now, later, or at all?” I miss you and the work already and trust that you will keep the OMIA ofce on their toes with questions and concerns when you have them – they are a talented bunch of people. If there is anything that you think I might be able to help you with, somebody there will let you know how to nd me. Best wishes and deep respect to all of you – individually and collectively. Thanks for allowing me to learn and grow with you for the past 39 years. RetirementsOMIAAfter 39 years of service to OMIA and our member mutuals, Sue Baker retired on April 30th this year. Sue signed on as Insurance Training Coordinator on January 13th, 1986. Over her time with OMIA, and in her role as Manager, Insurance Services, Sue has trained virtually everyone in the mutual system on something. She has “called the roll” many times, written countless policy forms, endorsements, and guidelines, and answered questions day and night. Sue was our Presidential Merit Award winner in 2016. For the past ve years, Sue has been the moderator of one of the best innovations to come out of lockdown: the daily, then weekly, now monthly Wednesday morning member open forums (and Cambridge weather report) calls. Over these 39 years, Sue has helped shape the identity of OMIA. She has never wavered in her commitment to mutuals and their policyholders. No one has been more dedicated than Sue to the spirit of mutuality and grass roots insurance. Sue will be hanging up her school bell to enjoy retirement and we wish her success in what lies ahead even if it includes keeping on with the bagpipes. We thank her for all her contributions. Sue at her nal education session with Ontario Mutuals DirectorsSue is ringing in her retirement with the famous OMIA bell.

pg. 65Grenville MutualAfter more than 30 years with Grenville Mutual, Morna Foan, our Manager of Products and Pricing, has decided it’s time to retire. Morna rst joined the company in June 1993 as an auto underwriter and telephone claims adjuster. She later became Claims Manager in 2005, and moved into Distribution, Marketing and Communications in 2013, before taking on her current role in 2021. Over the years, she has been a driving force behind many of the company’s successes, guiding us through key moments in our history and supporting strategic changes along the way. While we’ll miss her knowledge and candour, we couldn’t be happier for her as she moves into this next chapter. Morna is looking forward to spending more time with family and friends, including her husband of 30 years, Greg, her daughter, Emily, and her nine-month-old grandson, Jack. She also has big plans to travel, volunteer, and dive into her newest hobby - watercolour painting. Known for her infectious energy, sharp attention to detail, and unmistakable laugh, Morna has built lasting connections with colleagues, Brokers, Agents, and Policyholders alike. She will be truly missed - not just at Grenville, but across the Mutual community. Morna’s last day was March 28th. Please join us in wishing her all the best in retirement!Howick MutualAfter a very accomplished 38 years as a Loss Prevention Technician for Howick Mutual Insurance, Paul Dickson retired on March 17th, 2025. During his tenure, Paul has been instrumental in risk mitigation and improving the overall quality of risks at Howick due to his vast knowledge and experience in electrical and building construction. In addition to Paul’s technical strengths, his farming background and strong people skills have provided him the ability to communicate effectively and compassionately with policyholders, the secret to a successful career in this role for so many years. As a respected ambassador for the company, he has proudly represented Howick at many industry functions, with our Broker partners and in the community. Paul’s commitment, loyalty and dedication to Howick Mutual for 38 years is an amazing accomplishment and he will be greatly missed. Please join us in congratulating Paul on his well-deserved retirement!We would like to announce the retirement of Traci Radford, CFO, effective February 28th after over 40 years of dedicated service. Traci’s time with us has been marked by hard work, passion, and a genuine commitment to making a difference and making our company successful. She has been an invaluable part of our team and her contributions have left a lasting legacy that will be remembered for years to come. Thank you, Traci, for your remarkable service. We wish you all the best in your well deserved retirement. West Wawanosh MutualWe’re also pleased to celebrate Brian McCabe as he retired after 17 years as a dedicated Sales Agent at North Blenheim. Brian has built strong relationships and provided exceptional service to our clients, his last day with us was December 31st.We extend our heartfelt gratitude and best wishes for a fullling retirement. Thank you, Brian for your remarkable contributions and for being an integral part of our team.North Blenheim MutualWe’re pleased to celebrate Geoff Vollmer as he retired after just over six years of dedicated service in loss prevention at North Blenheim. Geoff has built strong relationships and provided exceptional service to our clients and his last day with us was March 31st. Congratulations, Geoff!

pg. 66L&A Mutual CEO, Mike Salmon retired from the L&A Mutual family this March. The L&A board has greatly appreciated Mike’s support and leadership with the company over his 20+ year career. We wish him all the best as he takes this well-deserved time to spend with his wonderful family.Axiom MutualPaula Dunn retired at the end of 2024 after an impressive 15 years serving the members of Axiom Mutual. In that time, Paula was an essential part of our team, known for her unwavering commitment to our members and her deep-rooted connection to the community. Her expertise as an insurance agent has not only helped countless members but has also set a standard of service that will be carried forward by all who worked alongside her. Paula’s member-focused approach and community-minded spirit have made a lasting impact on both our organization and the lives of those she has served. Bill Zwambag celebrated his last ofcial day with Axiom Mutual on February 28th. We wish to congratulate Bill on his well-earned retirement after an incredible 20 years as one of our Insurance Advisors. We look forward to throwing him a proper send off celebration later this spring. Congratulations, Bill!Bill Gibson will be retiring as an Axiom Mutual Director. Bill has been a Director since 1999 when he joined the Hay Mutual Board. He has served as Chair a number of times and we are thankful for his dedication to the mutuals and his quiet leadership over the years. Bill has been instrumental in navigating us through the amalgamation as well as his involvement with our Director’s Cut initiative. We will miss his wisdom, and wish Bill nothing but the best as he enjoys more time farming and with his family.It is with mixed emotions and a tremendous amount of gratitude that we announce the retirement of Andrea Schaefer in April 2025. After 28 years of loyal and dedicated service, Andrea has decided to embark on a well-deserved retirement journey. Andrea began her career at the former Hay Mutual in 1998, as the Accountant. She was an invaluable contributor to the success of Hay and has been instrumental in the successful amalgamation that created Axiom Mutual. Andrea’s commitment and expertise have not only served us but she also worked tirelessly for the benet of the mutual system in Ontario. Serving as Chair of OMIA’s Accountant’s Advisory Committee, Andrea worked closely with the Financial Review Committee as our industry navigated changes in Accounting Standards. She also served on the Fire Mutuals Guarantee Fund until 2017 as both a committee member and Chair. Andrea’s passion for excellence is second to none. It is safe to say that she has applied this passion across all facets of her roles in the Ontario Mutual system. She strives for greatness, pursues perfection and has challenged all of us to be better than we were. We thank her for bringing that out in all of us. Thank you so much, Andrea, for all you have done!United GeneralJuanita MacQueen, Senior Accountant at United General Insurance Corporation, retired in March after 29 years of dedicated service. She began her career in Underwriting before transitioning to Accounting, where she ultimately became Senior Accountant, bringing both technical expertise and leadership to the company’s nancial operations. Beyond her ofcial role, Juanita was a mentor to many, sharing her knowledge and helping colleagues grow. Her broad experience across multiple departments made her a cornerstone of the organization, and her contributions will be deeply missed by both her colleagues and industry peers.L&A Mutual

pg. 67We’re honored to announce the retirement of Andre G. Verhaeghe, effective December 31st, 2024. Andre dedicated over two decades to Salus Mutual (formerly West Elgin), making a lasting impact as a key member of our Sales team at the Aylmer ofce. 2024 also marked an incredible milestone - Andre’s 50th year in the insurance industry. His unwavering commitment to our insureds, integrity, and diligence have set a high standard for all of us. His contributions have been instrumental in our success and his presence will be greatly missed. We wish Andre all the best in this well-earned next chapter, with more time to enjoy life’s pleasures and special moments with family. Thank you, Andre, for your decades of service, loyalty, and dedication.Salus MutualWe’re pleased to announce the retirement of Tammy deRoos, effective March 31st, 2025. Since joining us in June 1997, Tammy has dedicated 27 years to Salus Mutual (formerly West Elgin), playing a vital role in our Claims team and contributing immensely through our amalgamation.Her unwavering dedication, expertise, and work ethic have set a standard of excellence that will leave a lasting impact. While she will be greatly missed, we are excited for her as she embarks on this well-earned next chapter, enjoying more time with family. Thank you, Tammy, for your years of service, loyalty, and dedication. You have truly set an example for us all.Ruth LockettIt is with heavy hearts that we share sad news of the passing of Grenville Mutual Board Chair, Ruth Lockett.Ruth served on Grenville Mutual’s Board since 2017 and was both the rst female Board Member and Chair in our 133-year history. She was a dedicated leader who truly embodied our values, giving back to her community in countless ways. From her role on Prescott Town Council to serving on the Brockville Hospital Foundation Board, Ruth’s impact was far-reaching.She was a genuine example of kindness, community, compassion and so much more. Ruth will be greatly missed, and we share our deepest condolences with her family, friends, and all who had the privilege of knowing her.Bev TalbotWe are saddened to share the news of the passing of Beverley (Bev) Talbot, former MutualONE (Middlesex Mutual) Director and Chair of the OMIA Board in 2000.Bev’s theme for her year as Chair was Forward Together into 2000, a clear reminder of our mutuals’ dedication to tackling change the best way we know how - as a community.Our condolences to the Talbot family.In MemoriamRemembering Our Mutual Family Members

pg. 68Address: 350 Pinebush Road, Cambridge Ontario N1T 1Z6 (519) 622-9220 Fax: (519) 622-9227Mail: P.O. Box 3187 Cambridge ON N3H 4S6 www.omia.com And keep that news coming!Please send your news, photos, updates and more to marketing@omia.com. OM News can be read online at OMIA.com and sign-in is not necessary. Just visit www.omia.com and pick Ontario Mutuals Newsletter from the menu on the left of the page.READY TO GO GREEN? Please drop us an email if you’d prefer to read your OM News online and help us save paper and ink. Email marketing@omia.com and we’ll be sure that your name is included on the email notication that goes out when a new issue is available.