April 2018 OM News : simplebooklet.com

A Message from OMIA s Chair Brad Vanstone I appreciate and am honoured to serve as Chair of OMIA for this upcoming year As I look at the events calendar I realize that it will be a very busy and exciting year which I look forward to participating in representing all of you our Member Companies My theme Embracing Youth and Technology will hopefully start a dialogue with the membership about how we can maintain and strengthen the involvement of our younger generations and prioritize the ever changing technological component of our industry Technology affects every facet of how we conduct business Engaging further with our youth and joining the fast pace of technology today will allow us to continue to be a strong and informed system The Mutuals need to be forward thinking in all ways when it comes to insurance products and the way we offer them to our members Communication with policyholders and engagement with our younger generations is extremely vital If we don t make our company easily available and accessible some one else will I have always been proud of our organization for what we stand for and how we strive to make things better Being successful will require doing what has made us successful for more than the past 100 years We must stay current with all that technology has to offer and the vibrant enthusiasm of our youth today I look forward to meeting many of you over the next few months to talk about how we can continue to build on our past success and grow stronger together with your input on the involvement of our youth and our ever changing information technology 4 Yours in Mutuality Brad Vanstone West Wawanosh Mutual

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Thoughts from Past Chair Christine Van Daele CHRISTINE VAN DAELE OMIA Past Chair One year ago as incoming Chair of OMIA I chose Our Passion is Mutual as my theme After a year out and about seeing the good work and great people that make up the Mutuals I believe in my theme more than ever My hope is that all of you will keep this theme alive as we take our Mutual System into the future together Passion creates energy passion generates change and movement passion drives vision and commitment to our broker and agent distribution channels through uncertain times have earned our system a very good reputation within the larger insurance community Our longest incorporated companies are now over 160 years old and have been a stable market for our brokers when other companies haven t been There has been increased interest in knowing more about The Mutuals Passion creates energy passion generates change and movement passion drives vision Our Mutual Companies are currently grappling with increased water and fire losses and changes to the automobile product In the midst of this claims activity our leaders are actively determining our technology vision to meet the needs of our consumer Through all of this our Directors are more actively involved in committee oversight as we deal with an increasing list of regulatory requirements and risk analysis Throughout the upcoming year you will be challenged to think innovatively to work together as a system and to exude passion to secure our future success Our exceptional service levels 6 If you are asked to explain what the Mutuals are all about be sure to tell them that T he underlying principles of the Mutuals have not been of profit but of cooperation and self reliance O ur service levels are exceptional because our policyholders are our owners Your Mutual belongs to one of the most financially secure networks in the world

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MY MUTUAL We re excited about our new venture of having a remote adjuster Benjamin Fehr joined our Customer Care Loss and Prevention team in January 2018 He resides in Swift Current and will be adjusting claims and taking care of our customers in southern Saskatchewan HOWICK MUTUAL We recently welcomed two new members to our organization In late November Bil Graham was appointed to the Howick Mutual Board of Directors Bil has been a valuable addition to our Board and we are extremely please to welcome him to the Howick team In mid January Shawn Cottrill CPA CGA joined our team as a Finance Manager Corporate Treasurer Shawn is a true asset to our organization and we are very happy to have him as a part of our Howick family NEW TEAM MEMBERS Welcoming New Faces to the Mutual System 8 PEI MUTUAL Thomas Clark was hired as a Service Agent in the Central Queens County Area Thomas joins the PEI Mutual team with experience in the insurance industry He holds a Bachelor s degree in Business Administration and is currently studying for his CIP designation with the Insurance Institute of Canada Thomas resides in Brackley and looks forward to his new role with PEI Mutual PEI MUTUAL Josh Toombs joins the PEI Mutual team as our new Claims Manager Josh comes to the PEI Mutual Management team from private law practice in Summerside He holds a Bachelor of Business Administration Honours from UPEI and a Law Degree from the University of New Brunswick Josh is originally from Mayfield but plans to reside in the Summerside area with his fianc e Courtney

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NEW TEAM MEMBERS MCKILLOP MUTUAL Keirstin Taylor joined us on January 2nd as our new Farm Underwriter Keirstin is a graduate of the Business Insurance Program at Fanshawe College a Chartered Insurance Professional and she also received her Canadian Risk Management CRM and Associate Customer Service ACS designations With Keirstin s past brokerage and underwriting experience and her great personality she has been a great addition to our team PEI MUTUAL Retiring agent Tom Kickham of Souris welcomes new agents Lisa Roche and Gary Sheehan and offers them best wishes in their new careers Lisa Roche comes to PEI Mutual with a wealth of Business and Managerial experience and holds a Bachelor s degree from UPEI She will serve as one of our service agents in Eastern Kings Lisa and her husband Albert reside in Montague with their family Gary Sheehan looks forward to serving the policyholders in eastern Kings County and joins the PEI Mutual team with excellent experience and training in Business Management and Administration Gary and his wife Mindy who are originally from the Souris area look forward to bringing their family back to their hometown area Pictured L to R Gary Sheehan Tom Kickham Lisa Roche TRILLIUM MUTUAL CongRong Xie joined the Board of Directors in December 2017 Cong Rong spent 23 years working in the P C industry and held various leadership positions in program and technology management supporting new product development new distribution channels and improving IT delivery agility She now holds the position of Vice President of Technology with the Great West Life Assurance Company Cong Rong lives in Waterloo actively supports local community and is a board member of the Kitchener Waterloo Counselling Services Welcome to our mutual family Cong Rong AYR FARMERS MUTUAL We re pleased to welcome Tim Kerr to the company as Chief Information Officer Tim has more than 22 years of experience with Princeton Holdings Limited Cowan Insurance Group During his tenure he held the roles of Systems Analyst Manager of IT Director of IT and his more recent position of Director IT Infrastructure Tim will provide leadership in building and supporting our information technology department infrastructure applications and business processes Additionally he is responsible for cyber risk management and the protection of AFM assets and reputation KENT ESSEX MUTUAL We are pleased to announce that Jim Giroux has recently joined the Kent Essex Mutual Claims Department in the role of Adjuster Jim brings with him over 10 years experience in the restoration industry We are excited to have Jim join the K E team April 2018 9

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NEW TEAM MEMBERS AYR FARMERS MUTUAL We re pleased to welcome Jodi Meiering as Chief Operating Officer Jodi has nearly 20 years of experience in the insurance industry which has provided her with a broad range of knowledge and opportunities She has held roles within her family brokerage as a partner and principal broker and in 2005 joined Economical Insurance as the Manager of Personal Insurance and Ned Insurance program Jodi has since held positions as the Field Services Manager Stream Leader for Underwriting Transformations and more recently as Assistant Vice President National Underwriting and Regional Processing Operations Jodi has obtained her FCIP CRM and BBA from Wilfrid Laurier and most recently attended the Queen s Executive Program WEST ELGIN MUTUAL We would like to welcome Danielle Simpson to the role of Underwriting Supervisor With over 18 years in the insurance industry she brings a wealth of knowledge and experience to the team Danielle lives locally on the outskirts of Rodney with her husband and three boys Welcome to the team Danielle 10 WEST ELGIN MUTUAL We would like to welcome Lexy Pinder to the role of Auto Underwriter Lexy is a graduate of the Insurance Program at Fanshawe College has her CIP and over 11 years experience in the insurance industry She was born and raised in Dutton and lives there with her husband and two children Welcome to the team Lexy ERIE MUTUAL We have welcomed a local student to join our team and learn from hands on experience in the mutual insurance work environment Rebecca Flatt a Dunnville resident and student at Mohawk College is enjoying her cooperative education work placement at the Erie office Although her office tasks are somewhat limited due to not currently having an OTL she is eager to learn from the opportunity and contribute to the value her hometown mutual insurer provides to family friends and other members Rebecca has been a quick learner and an asset to our office and we look forward to watching her flourish in her time with us this year We anticipate a successful insurance career upon completing her academics HTM We would like to welcome Christine Owens to our team With her educational background experience in underwriting and broker relations and her love of our mutual culture she will be an excellent addition to our company She will be taking on the new role of Business Development Lead

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NEW TEAM MEMBERS FARM MUTUAL RE Gina Holzwarth was welcomed to Farm Mutual Re November 6th 2017 as a claims analyst Gina brings 30 years of industry experience to the organization most recently as a Major Case Unit Specialist with Zurich Insurance FARM MUTUAL RE Rosena Chan was welcomed to Farm Mutual Re January 8th 2018 Rosena has joined the Analytic Services Department for eight months in the role of Actuarial Analyst Intern Rosena is a graduate of the University of Manitoba with a Bachelor of Science Honours She majored in Actuarial Mathematics and minored in Computer Science and previously worked for Sun Life as an Actuarial Analyst FARM MUTUAL RE Alexander Beverly was welcomed to Farm Mutual Re January 8th 2018 as FARM MUTUAL RE YeJi An joined a Reinsurance Analyst Alexander the Analytic Services Department on is a recent graduate of Wilfred January 8th 2018 YeJi An will be with Laurier University with a Master of Farm Mutual Re for eight months in Business Administration Previously the role of Data Visualization Associate he completed his undergraduate Co op She is currently in the second studies at the University of Guelph with a Bachelor of degree Bachelor of Computer Science Commerce Before joining us Alexander was working program at the University of British with Legacy Partners Wealth Strategies Inc as a Research Columbia She previously attained a Bachelor of Arts and Financial Analysis Associate Economics from the University of California Berkeley FARM MUTUAL RE Janani Antony joined our IT Department in the role of Project Management Intern She worked part time through December and began an 8 month term in the New Year Janani has a Bachelors of Engineering in Computer Science from Anna University in India as well as a Post graduate certificate in Information Technology Business Analysis from Conestoga College FARM MUTUAL RE Rogerio Apezzatto was welcomed to Farm Mutual Re January 17th 2018 as a Software Developer Rogerio brings over ten years of experience to the role most recently working with Gore Mutual Insurance for a co op term as he completed the Mobile Solution Development Program at Conestoga College April 2018 11

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NEW TEAM MEMBERS FARM MUTUAL RE Catherine Gao was welcomed to Farm Mutual Re January 8th 2018 Catherine has joined the Actuarial Department for four months in the role of Actuarial Analyst Intern Catherine is a graduate of the University of Waterloo with a Bachelor of Mathematics She majored in Actuarial Science and Statistics Catherine also has previous experience working as an Actuarial Analyst with the Financial Services Commission of Ontario FARM MUTUAL RE Dalia Hikal joined us on January 17th 2018 for a 12 month contract in the role of Software Developer Dalia is a Microsoft certified NET developer with more than ten years of comprehensive experience in Windows and web development and database design PEEL MUTUAL We are thrilled to welcome Daniel Heap as our VP Claims effective Feb 26th 2018 Dan comes to us with over 25 years of insurance claim experience most recently at a large commercial insurer where he led the National Claims operation In addition to his strong technical and people development abilities Dan is skilled at work flow analysis and process improvement initiatives as well as vendor management Dan has a B A from the University of Western Ontario in addition to his FCIP and CRM designations FARM MUTUAL RE Boris Rajic was welcomed to Farm Mutual Re January 29th 2018 Boris joined the Claims Department for a 15 month term in the role of Claims Coordinator He most recently worked as a Law Clerk for Dueck Sauer Jutzi Noll LLP In addition he has attained an Office Administration Legal Diploma from Conestoga College FARM MUTUAL RE Amanda Cox was welcomed to Farm Mutual Re January 29th 2018 Amanda has joined the Claims Department for a 15 month term in the role of Claims Coordinator Amanda s most recent employment was with Allianz Global Assistance where she worked as a Case Manager Amanda has an Honours Bachelor of Arts in Psychology from the University of Guelph PEEL MUTUAL We are also pleased to advise that Matt LeMaire will be joining Peel as our first VP of Human Resources effective March 20th 2018 Matt holds a B A and an M A from Brock University and is completing his CHRL HR professional designation exam later this month He has over ten years experience in Human Resource management at several organizations including Bell Canada Matt comes to us from Dalton Timmis Insurance Group a leading Canadian brokerage In his role Matt will develop and implement our people strategy going forward NORTH BLENHEIM MUTUAL We would like to welcome Donna Rice to our team Donna joined us in Fall 2017 and has since attained her Agents License She brings with her many years of insurance experience and has taken on the roles of Reception and Agent Care Representative 12

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CYBER SECURITY The scope of phishing attacks is constantly expanding but frequent attackers tend to utilize one of these four tactics 1 2 3 4 Embedding links into emails that redirect users to an unsecured website requesting sensitive information Installing Trojans via a malicious email attachment or posting ads on a website that allow intruders to exploit loopholes and obtain sensitive information Spoofing the sender address in an email to appear as a reputable source and requesting sensitive information Attempting to obtain company information over the phone by impersonating a known company vendor or IT department Email Security Best Practices Five Ways to Block Phishing Attacks Employees should always be suspicious of potential phishing attacks especially if they don t know the sender Here are five best practices to ensure you don t become the victim of a cyber attack Don t reveal personal or financial information in an email Make sure employees also know not to respond to email solicitations for this information This includes clicking on links sent in such emails Check the security of websites This is a key precaution to take before sending sensitive information over the Internet indicates the site has not applied any security measures while means it has Also consider if employees are practicing safe browsing habits Sites that do not serve a legitimate business purpose are also more likely to contain harmful links Pay attention to website URLs Not all emails or email links seem like phishing attacks so employees may be lured into a false sense of security Teach them that many malicious websites fool end users by mimicking legitimate websites One way to sniff this out is to look at the URL if it s not hidden behind nondescript text to see if it looks legit Employees may also be able to detect and evade the scheme by finding variations in spellings or a different domain e g com versus net Verify suspicious email requests Contact the company they re believed to be from directly If an employee receives an email that looks odd from a well known company such as a bank instruct them to reach out to the bank using means other than responding to the suspicious email address It s best to contact the company using information provided on an account statement NOT the information provided in the email Keep a clean machine Utilizing the latest operating system software and Web browser as well as anti virus and malware protection are the best defenses against viruses malware and other online threats All information was collected from the eBook Cybersecurity Tips for Employees The Complete Guide to Secure Behavior Online and in the Office April 2018 13

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GIVING BACK THE COMMONWELL MUTUAL INSURANCE GROUP Our 15th annual charity golf tournament was again a great success thanks to all of the participants players and volunteers The Commonwell split the proceeds of over 34 000 between two local charities Big Brothers Big Sisters of Kawartha Lakes Haliburton and Boys and Girls Clubs of Kawartha Lakes We re happy to say that in the 15 years of hosting this tournament over 465 000 has been donated to local charities Pictured Left to Right Jim DeFlorio Executive Director of Big Brothers Big Sisters Kawartha Lakes Haliburton Tim Shauf President and CEO of The Commonwell Scott Robertson Executive Director of Boys Girls Clubs Kawartha Lakes MIDDLESEX MUTUAL Our commitment to contributing to a vibrant and healthy community is achieved in part with the Middlesex Mutual Community Spirit Pledge initiative Each year MMIC s Community Relations Committee with help from the Board of Directors selects not for profit organizations making a difference in our community and sponsors their community initiatives We are pleased to announce Middlesex Centre Community Policing VON Middlesex Elgin and the Women s Rural Resource Centre as the recipients of Middlesex Mutual funding in 2017 Middlesex Centre Community Policing was the recipient of 5 000 to support their Deer Collision Reduction Strategy This funding will ensure development of their pilot project for high visibility solar road signage along with a public awareness campaign The long term goal is to see further expansion of this project throughout the Province using the Middlesex Centre pilot project as an example for deer collision reduction These large reflective flashing solar powered signs have been installed along Glendon Road and Gideon Road in Middlesex County advising drivers to watch for deer Long term benefits of these signs could result in the decrease of collisions on major roads by one third and could decrease collisions on secondary roads as well Pictured Cheque presentation with Nancy Preston and Brett Borden on October 11th 2017 MY MUTUAL Our company also supports the Waldheim Fire Rescue by purchasing a corporate table each year at their Annual Firemen s Dinner It was a great night made even greater this year when Chris Enns our Communications Team Leader was awarded the Fireman of the Year award by the Fire Rescue Team Chris has been working with Fire Rescue for the Waldheim community for 14 years KENT ESSEX MUTUAL In December 2017 K E staff were happy to donate household items to help support the youth of Chatham Kent Children s Services April 2018 15

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GIVING BACK MIDDLESEX MUTUAL Victorian Order of Nurses VON Middlesex Elgin is dedicated to meeting both the health and social needs of those in our community while helping them live safely and independently at home An aging population is creating a greater demand for VON services and a greater need for community funding VON was a worthy recipient of 10 000 to support their kitchen renovation to create a multi use learning environment and better serve their clients Upon completion of the renovations VON invited the Middlesex Mutual Community Relations Committee to the ribbon cutting ceremony and open house on February 1st 2018 HALWELL MUTUAL Halwell donated 7 500 to Habitat for Humanity Wellington Dufferin Guelph in order to help give them a new and well deserved office space Halwell staff members also helped paint the new office 16 MCKILLOP MUTUAL During the 2017 IPM in Walton McKillop staff and volunteers proudly donned team hockey jerseys After the event the jerseys were happily donated to Seaforth Minor Hockey to be used as practice jerseys KENT ESSEX MUTUAL In December 2017 Kent Essex Mutual donated 100 000 to the Children s Treatment Centre and Foundation of ChathamKent The donation will support the development of the CTC Foundation s new Butterfly Building including the development of a pool area which will provide CTC clients schools physiotherapy clinics and community groups with year round access to a warm water therapy pool and physical activity HALWELL MUTUAL We held our second annual National Cupcake Day party in support of the Guelph Humane Society Staff showed off their baking skills and we raised 150 for the Guelph Humane Society

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GIVING BACK OMIA We ran a holiday drive to collect clothing toys personal items and monetary donations to help local families in need The donations were brought to the Self Help Food Bank and the Bridges Shelter in Cambridge The staff at the Bridges Shelter said that OMIA s annual donations are often enough to last them the entire winter Special acknowledgment is given to Rachel Carew and Christine Senior for organizing and leading the initiative Heidi DuMaresq for assisting in shopping for items and Jessica Knight for helping wrap the gifts Pictured Jessica Knight with Christmas presents to be donated to families in Cambridge and North Dumfries BERTIE CLINTON MUTUAL Our team collected mittens hats and scarves for our Mitten Tree this past Christmas Over 50 items of warm winter gear were delivered to the Hope Centre in Welland by Marc Savain and Ruth Stranges LAMBTON MUTUAL The St Joseph s Hospice in Sarnia received a 7 000 donation from Lambton Mutual this past Fall This donation will be used for the purchase of 5x Smart TV s We are honoured to be able to make a contribution to this worthy organization in some small way NORFOLK MUTUAL Our Annual Christmas Open House was a huge success for us again We ask for donations for the Tillsonburg Simcoe Food banks and this year we had over 500 pounds of food donated and over 350 dollars in cash and cheque donations Canada s Insurance Replacement Specialists Preferred rates for insurance partners DIAL user friendly reservation system for varied accounts 24 7 live agent QuickCarTM rental kiosks Free customer pick up and return Direct billing to insurance carrier Canada s largest combined fleet of cars and trucks Interested to learn more We d love to hear from you Contact Courtney Thompson at cthompson discountcar com April 2018 17

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GRENVILLE MUTUAL In celebration of Grenville Mutual s 125th Anniversary each staff member selected a local community group to receive donations as part of a company wide giving project In the end there were 33 organizations that benefited from these contributions in 2017 The people of Grenville Mutual are proud to support what we believe in being a strong community minded company having respect and empathy for others and pitching in when it is needed Donation Recipients 1st Willamsburg Scouts Adam Harlow Fellowship Fund Alzheimer s Society Lanark Leeds Grenville A2A Algonquin to Adirondacks Collaborative Big Brother Big Sisters of Leeds Grenville Big Sky Ranch Animal Sanctuary Carefor Camp Erin Eastern Ontario Canadian Cancer Society Denver s Dragonflies Relay for Life Canadian Guide Dogs for the Blind Canadian Veteran Service Dog Unit CHEO Foundation Community Living North Grenville Erik Gutknecht Memorial Bursary Fun with Books Girls Incorporated of Upper Ottawa Anglican Cursillo Canada Movement Kanata Baptist Church Parkinson Canada Kemptville District Home Support Pink Ribbon Ride for Cancer The Kemptville Youth Centre Prescott Public Library Lakeshore Drive United Church Stormont Count 4 H M T J B Child Care Centre Inc Association Making Play Possible Upper Canada Migratory Bird Maxville Manor Foundation Sanctuary Friends of the National Kids Cancer Ride Sanctuary North Augusta Recreation Winchester District Memorial Committee Hospital Foundation North Grenville Community Support Council Due diligence INSTITUTIONAL PERFORMANCE Ontario at your fingertips REPORT SPCA Leeds REPORTING FIXED Easily compare the Grenville MANAGERS INCOME PRODUCTS performance and risk Animal profiles of Investment Managers To request a Centre 300 200 5 distinct investment universes dedicated to Fixed Income solutions 18 COMPLIMENTARY subscription call Craig 905 842 4242 x26 charrison gmr ca

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GIVING BACK AYR FARMERS MUTUAL We began our 125th Anniversary celebration by making a donation to two local fundraising initiatives The Pete Lavoie Ball Diamonds project located at Lion s Park in Paris received a 10 000 donation for which Ayr Farmers Mutual will be recognized as the concession stand sponsor Another 10 000 donation was made to the Grand River Conservation Foundation towards the FWR Dickson Wilderness Area just outside the village of Ayr The project supports the rehabilitation of the network of trails and improvement of accessibility along those trails We ll also be holding a Family Fun Fest on Saturday June 16th from 11am to 3pm at the North Dumfries Community Centre in Ayr Everyone is invited to attend this free all ages event featuring live music games activities and a BBQ LAMBTON MUTUAL We held a Christmas contest in December during which we gave away 50 gingerbread house kits to be created at home Entrants sent in a photograph of their completed gingerbread house to be eligible for the draw Our young contest winners Kacie Podolinsky Gracie Bosch and Bryce de Boer won Toys R Us gift cards just in time for Christmas HOWICK MUTUAL We re very proud to support those who give so much to our local communities The Hanover Fire Department is raising funds to upgrade their auto extrication equipment and we were happy to donate 2 000 to such a valuable resource Thank you to the Hanover Fire Department for all you do to keep our community and residents safe April 2018 19

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GIVING BACK THE COMMONWELL We recently did a year end wrap up of the donations we made in 2017 The Commonwell is happy to report that we donated 547 300 to charities across the province Of that 397 300 was donated as part of the C A R E Create a Ripple Effect program and the additional 150 000 was donated to local historical organizations throughout the province as part of Canada s 150th celebrations The donations were made to provide financial support to organizations in need that support the overall wellbeing of the communities The Commonwell serves Here at The Commonwell Mutual Insurance Group we think of the C A R E program as our way to get actively involved in the great causes and organizations in the Ontario towns that we serve said Tim Shauf President and CEO We think it s important to do our part in sustaining and promoting local organizations that provide critical support to members of these communities We hope that these year round donations make a difference in the lives of people across the province Just a few of the donations Campbellford Memorial Hospital 20 000 Community Care North Durham 25 000 Jennifer Ashleigh Children s Charity 10 000 Five Counties Children s Foundation 20 000 Girls Incorporated 10 000 Stormont Dundas Glengarry Ahkwesahsne Children s Treatment Centre 10 000 Cornwall Community Hospital Foundation 25 000 Hub Hospice Palliative Care 10 000 We C A R E Rural Ottawa South Support Ser 25 000 Habitat for Humanity Perth Ottawa South 25 000 Great War Memorial Hospital Foundation 14 866 Pembroke Regional Hospital 25 000 20

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GIVING BACK FARM MUTUAL RE OMIA The 2018 Farm Mutual Re OMIA Bonspiel held on January 24th at the Guelph Curling Club was another great success We had over 100 participants and volunteers and representatives from 15 Member Companies It was a great day filled with friendly competition and relationship building The Farm Mutual Foundation would like to thank everyone who participated in the Beer and Wine Survivor Fundraiser Together we raised 2 450 The supreme winners were Freezing Our Rocks Off with a score of 45 They received steaks for their efforts The last place but hardworking team Stone Crushers ended the day with a score of 4 1 4 and some ground beef Save the date for Wednesday January 23rd 2019 Let s fill the ice Pictured From Left Freezing Our Rocks Off Steve Smith Farm Mutual Re President Ross Weber Krista Seiling Kathy Cass John Stirk and John Taylor OMIA President Stone Crushers Riley Dolittle Ron Atkinson Tracy Vandemark and Sandra Leys SOUTH EASTHOPE MUTUAL Our 146th Annual General Meeting was recently held in Tavistock with 66 members in attendance Three of our directors Glen Blair Jeff Schultz and Paul Heinbuch were re elected for 3 year terms As part of the AGM we were proud to present 1 000 to Muscular Dystrophy Canada Since 1998 South Easthope has donated a total of 29 000 to the organization Pictured From Left 2017 South Easthope Chair Ken Yeoman receives a plaque of appreciation from Carrie Fischer and Joe Boe of Muscular Dystrophy Canada April 2018 21

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SOUTH EASTHOPE MUTUAL Our employees have the option of paying 2 to wear jeans to the office on Fridays The funds are collected throughout the year and each December employees choose where to donate the money raised In 2017 employees selected the following causes Listowel Office The Salvation Army Listowel Family Services Foodbank Tavistock Office Tavistock Agricultural Society Woodstock Office Woodstock District Developmental Services Last year marked our ninth year of the program When we work together supporting our local communities we make them stronger and a better place to live South Easthope s Karen Clemmer Kyle Cressman and Sandy Johnston Zack Stevenson Cindy Lotus and and Deb Gerber present a cheque present a cheque to The Salvation Samantha Shanks of Woodstock to Tavistock Agricultural Society Army Listowel Family Services District Developmental Services and President Mona Eichmann Foodbank s Wendy Johnstone Linda Stock of South Easthope TRILLIUM MUTUAL The ROOTS Community Fund is pleased to support the Rare Charitable Research Reserve in the amount of 20 000 Rare is a community driven urban land trust and environmental institute with over 900 acres located on and around the Grand and Speed Rivers in Cambridge The emphasis of this organization is on pure peer reviewed scientific research as a source of content for educational and environmental restoration projects TRILLIUM MUTUAL The ROOTS Community Fund is pleased to support the Stratford Perth Rotary Hospice in the amount of 25 000 These funds will be put towards the campaign to build a new facility in Stratford which will offer palliative care to people who are unable to or do not wish to remain at home with an end stage illness The building will also house a Centre of Excellence for palliative care offering emotional physical social and spiritual support Construction is expected to begin this Spring with doors opening in early 2019 Cheque Presentation Left to Right Laura Klein and Emily Leslie Rare Staff Dave Colyn Trillium staff Taryn Jarvis Rare staff Karen Galbraith ROOTS Council member Christine Thompson Manager of Major Gifts Rare Ross Lamont Trillium Mutual Board Chair Alissa Fraser Mackenzie Lesperance Rare staff This hospice is going to make a significant difference in palliative care throughout our community and we are honored to be a recipient of the Trillium ROOTS Community Fund says Andy Werner Chair Stratford Perth Hospice Foundation This generous donation has moved us over the 5 million mark of our 7 5 million campaign goal The support of Trillium Mutual Insurance an organization outside of Stratford is significant for us as this facility is very much for everyone in Perth County 22 Pictured From Left Ross Stone Trillium Mutual Director Joe Dietrich President CEO of Trillium Mutual Andy Werner and Dennis Young of Stratford Perth Hospice Foundation and Margaret Jack ROOTS Council member

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NORFOLK MUTUAL We re proud to be a major sponsor of the new Inflatable Fire Safety Hazard house and we can t wait to see it in 2018 Safety is everyone s priority Pictured Fire Chief Terry Dicks Norfolk Mutual Director Mike Columbus Assistant Fire Chief Scott Pipe and Norfolk Business Development Manager Chris Hibbs HALWELL MUTUAL We held our annual Broker Christmas Party in December and it was such a fun night Brokers played Halwell Bingo in order to get to know the Halwell staff a bit better and they won some great door prizes Every year at our Broker Christmas Party in lieu of gifts we make a donation to someone in our community The Children First Fund at Family Children s Services Guelph provides financial assistance to programs which are not currently funded through the Ministry of Children and Youth Services TRILLIUM MUTUAL We re very happy to announce our partnership with the Do More Ag Foundation This amazing group is dedicated to raising awareness around mental health in agriculture Do More Ag along with Trillium Mutual is helping to develop a community surrounding mental health to break the stigma that exists around it They are working to change the the culture within the Ag industry a culture that leads people to not seek help The key is to build a stronger community and start having a conversation surrounding mental health Together we can make a huge difference in the lives of many people across Canada To learn more about their work visit https www domore ag April 2018 23

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DUMFRIES MUTUAL Shelley Sutton celebrated 25 years as Manager of Dumfries Mutual She has seen the company grow substantially during her tenure and believes it has been the policyholders who have made Dumfries so successful since 1856 She has always believed in superior customer service and continues to stress its importance to this day Dumfries staff agents and directors feel fortunate to have a knowledgeable hardworking and caring leader in Shelley They re excited about where the organization is headed under her continued strong leadership ONTARIO MUTUALS MILESTONES Celebrating achievements in the Mutual System 24 Pictured Shelley receiving the OMIA Presidential Merit award in 2017 surrounded by her supportive family from left to right Daughter in law Tara son TJ Shelley husband Randy and daughter Alison WEST ELGIN MUTUAL Congratulations to Serge Lebedz on his 30 year anniversary as an agent with West Elgin Mutual

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MILESTONES MIDDLESEX MUTUAL We had a big year for professional milestones in 2017 as we celebrated a combined 75 years of service Our Agents Tara McKenzie and Greg Schneider were recognized along with Lisa Boylan Statistics Systems Supervisor and Claims Adjuster for 20 dedicated years of service And our President CEO Nancy Preston celebrated 15 years of service We are truly lucky to have such a devoted and hardworking team Pictured Nancy Preston President CEO and Ken Filson Chair presenting Years of Service Awards to Tara McKenzie and Greg Schneider Lisa Boylan was also recognized but not present at ceremony MY MUTUAL February 28th was AGM day for My Mutual and a milestone the first AGM for the company with our new name Focusing on building our team with a unified vision and culture is bringing us clarity and success as we work with brokers policyholders and business partners We re looking to the future with great expectation HTM In December 2017 HTM Insurance celebrated a 10 year work anniversary for Bryce Clarke Pictured Above Alec Harmer HTM President and Bryce Clarke MY MUTUAL We also wish to congratulate Garth Driedger left and Kerry Willemson right on 20 years working for My Mutual Insurance FARM MUTUAL RE We would like to congratulate Jeff Consitt on 30 years of service Jeff started at Farm Mutual Re in February of 1988 as a Claims Examiner eventually earning the role of Sr Vice President and COO Among his many accomplishments during this time he completed his Executive MBA in 2015 We thank Jeff for his tireless dedication to the organization and innumerable contributions Congratulations Jeff HTM We also celebrated a 15 year work anniversary for Donna White this January April 2018 25

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MILESTONES MILESTONES HOWICK MUTUAL February 21st 2018 was our official groundbreaking ceremony held at the new building site outside of Wingham Ontario This marked another exciting milestone for Howick Mutual and a step forward in the progress of our new location Pictured Howick Board Members with Jake Domm DOMM Construction Paul Gowing MorrisTurnberry Mayor and Kevin Inglis Howick Mutual CEO Name Years of Service Howick Staff and Jake Domm DOMM Construction Location Cherylanne Burke 40 Perth Regional Office Marianne Bossema 30 Lindsay Corporate Office Helen Sinclair 30 Lindsay Corporate Office Daphne Evans 30 Perth Regional Office Monique Tourangeau 25 Alexandria Regional Office Brenda Paquette 20 Lindsay Corporate Office Janine Ponee 15 Lindsay Corporate Office Darlene Glass 15 Lindsay Corporate Office Sheri Leger 15 Lindsay Corporate Office Luc Coutu 15 Lindsay Corporate Office Regena Scott 15 Lindsay Corporate Office Terri Richard 15 Lindsay Corporate Office Lisa McGill 15 Lindsay Corporate Office Paul Rolofs 15 Perth Regional Office Cindy Dyke 10 Perth Regional Office Cheryl Rathwell 10 Perth Regional Office Denise Miller 10 Alexandria Regional Office THE COMMONWELL We would like the acknowledge our long term service awards listed above We thank all of the team for their hard work and dedication to making The Commonwell a success 26 Morris Turnberry dignitaries with Kevin Inglis Howick Mutual CEO and Jake Domm DOMM Construction LAMBTON MUTUAL On February 10th 2018 CamRon Insurance Brokers Ltd celebrated 122 years of representing Lambton Mutual Insurance Company in their office Not too many brokers today can boast heritage going back to February 10th 1896 Congratulations The earliest customers were visited by Greg Cameron s great grandfather Malcolm D Cameron who travelled on horse and buggy Due to time and distance this often required an overnight stay at the client s homestead traveling back the following day Greg s grandpa Norman Cameron is remembered for calling upon customers on his motorbike in the early 1940 s Greg s parents Park and Agnes Cameron joined the business in 1959 Today Greg Karen Cheryl Janet and Agnes Cameron carry on the insurance business in two locations Oil Springs and Sarnia

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MILESTONES Maximize your subrogation recoveries and free time for your staff to focus on more critical adjusting work Specializing in Subrogation We offer affordable contingency flat fee options Please contact us to discuss your subrogation needs Suite 216 762 Upper James St Hamilton ON 905 389 4522 christine sageclaims ca sageclaims ca YARMOUTH MUTUAL On October 17th 2017 the Staff and Directors from Yarmouth Mutual celebrated the anniversaries of Dorothy Kelly 20 years Marny Bolt 20 years Tyler Jacques 15 years and Gillian Jackson 10 years with lunch and gift presentations Thank you all for your contributions to Yarmouth Mutual Pictured From Left to Right Al Phillips Director Lloyd Perrin Director Dorothy Kelly Tyler Jacques in the back Gillian Jackson Marny Bolt Ron Jenken Director and Rob Foster Director Remember to send your news to marketing omia com so we can recognize your Mutual s story The next issue is out in August and submissions are due July 5th Different by Design As Canada s fifth largest professional services firm with dedicated financial services professionals in both rural and urban communities across Ontario MNP has you covered Whether you require accounting consulting tax or technology solutions we are here to support you with a diverse range of services and strategies that get results Contact Jas Chahal CPA CA at 289 293 2371 or jas chahal mnp ca April 2018 27

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ACCOMPLISHMENTS Congratulating Mutual Members on Their Professional Developments THE COMMONWELL We would like to celebrate the achievements of the Insurance Institute s newest graduates of the Fellow Chartered Insurance Professional FCIP and Chartered Insurance Professional CIP programs We would like to recognize our own team members who have demonstrated commitment to continuous improvement and dedication to their career journey Recipients Michael Leach CIP Sara Smeall CIP Sarah Steel CIP Wendy Norris CIP Adv Mary Jo Beggs CIP Top CIP Award Winner Miki Paczek FCIP Sheri Leger FCIP and Top FCIP Award Winner 28 FARM MUTUAL RE We re happy to announce that we have been selected as one of Waterloo Area s Top Employers and one of Canada s Greenest Employers TBA April 29th 2018 We have been recognized as an employer in the Kitchener Waterloo and Guelph areas who leads our industry by offering an exceptional place to work while adapting initiatives to protect the environment Waterloo Area s Top Employers determined that Farm Mutual Re offers one of the most progressive and forward thinking programs We strive to achieve high levels of employee satisfaction here in the workplace and are happy to be recognized for it With positive workplace recognition we can increase talent magnetism create a polished reputation and gain better insight by increasing employee engagement MCKILLOP MUTUAL Congratulations to McKillop Mutual Agent Julie Campbell who recently received her Fellowship designation It took a lot of hard work and commitment and the entire McKillop team is proud of you for reaching your goal HOWICK MUTUAL On March 1st 2018 Ashliegh Rock received her GIE Certificate at the annual Insurance Institute Convocation Luncheon Ashleigh is a valued part of the Underwriting Team at Howick Mutual Congratulations Ashliegh we re proud of you

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ACCOMPLISHMENTS DUMFRIES MUTUAL Congratulations to Jeremy Webster Property Underwriter for achieving his CIP designation Jeremy received his diploma on March 1st 2018 at the Annual Convocation and Awards Ceremony held by the Conestoga chapter of the Insurance Institute NORFOLK MUTUAL Samantha Bantam received her CIP designation November 1st 2017 She is an Intermediate Underwriter at Norfolk Mutual and has been with us for seven years Samantha joined Norfolk Mutual after a summer internship with us Town Country Mutuals Rob Pearson was one of her professors at Fanshawe and knew she would be a great fit for us She graduated from the Business of Insurance program in December 2010 and been with us since HALWELL MUTUAL On March 1st 2018 three of our staff members Dale Stuart left Sid CohenNavi middle and Jan Tatarski right celebrated their hard work at the CIP Convocation HALWELL MUTUAL Congratulations to Teri Lynn Oakley on completing the OMIA Accident Benefits Certificate Program Teri Lynn Oakley and Tom Seaman Vice President of Claims and Corporate Services HTM Donna White received her FCIP on February 2nd at the Kawartha Chapter of the Insurance Institute Convocation Congratulations Donna on another educational achievement Donna now holds her CPA CMA CRM and FCIP designations Pictured Donna and Tim Shauf Past President of the Insurance Institute of Ontario and President of The Commonwell Mutual Insurance Group MY MUTUAL We would like to congratulate Underwriter Kelly Zinn on obtaining her CIP in the Fall of 2017 HEARTLAND MUTUAL We re very proud to have had three of our Underwriters receive their designation certificates at the Insurance Institute graduation ceremony Congratulations to Jessica Patrick CIP left Jody Stribling FCIP centre and Melanie Buhrow FCIP right April 2018 29

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TRILLIUM MUTUAL For the 2nd year in a row Trillium Mutual is honoured and proud to be the recipient of the prestigious Canadian Corporate Award of Merit 2017 This is awarded by Human Synergistics a leading consulting firm that measures corporate values management processes human behaviours leadership styles and organizational culture This award is the only accurate measurement of a great employer and a great place to work and it s given to organizations that have significantly transformed their organization s culture based on the organizational culture inventory OCI in a given period Criteria Human Synergistics Canada uses the OCI to measure organizational culture The OCI has proven high levels of statistical validity and reliability Organizational culture is measured in twelve styles grouped into three clusters constructive passive defensive and aggressive defensive Those organizations that have a predominantly constructive culture are eligible for the award of merit Significance This award is significant because of the high levels of criterion related validity predictive validity of the OCI and is correlated to such outcomes as employee engagement product and service quality and personal motivation Companies that have a constructive culture are organizations that place a high value on service and product quality goal attainment and the development of their people where quality is valued over quantity creativity is valued over conformity and cooperation not competition is believed to lead to better results Through individual initiative effective teamwork and cooperation the products and services offered by constructive organizations tend to be of the highest quality In addition those organizations consistently report having high employee engagement President CEO Joe Dietrich ELC Chair Rhonda Ryan along with Trillium staff accepted the award On acceptance Joe Dietrich stated Getting to the top is easier than staying there To be honoured with this award for the second year in a row truly reflects our collective attitude and commitment to continuous improvement We re innovative leaders in the working environment and culture space Kudos to our employees Our future looks extremely bright 30

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THE REAL DIRT ON FARMING A New Project from 4 H and Farm and Food Care Ontario Ontario Mutuals Proud supporters of tomorrow s leaders in agriculture JOHN STIRK Dufferin Mutual Chair OMIA Marketing Committee Beginning this year part of the Ontario Mutuals 4 H Ontario sponsorship dollars will go towards a new education initiative using The Real Dirt on Farming resource produced by Farm and Food Care Ontario The project resource will be co funded by Ontario Mutuals and Crop Life and be made available to 4 H Ontario s 6 800 members across the province Association leaders will use this resource over the span of six meetings to provide knowledge and hands on activities to 4 H members between the ages of 9 and 21 These members will be eligible to receive a 4 H credit upon completing the program A contract writer has been secured and an Advisory Committee has been assembled The Advisory Committee will provide guidance knowledge and feedback throughout the development of this project OMIA is encouraged by this new initiative and will continue to seek sponsorship opportunities that align well with the Ontario Mutuals values your direct 4 H Club and Association level contributions of cash and in kind support This shared commitment of working together to benefit 4 H members volunteers and the communities in which they live is helping to ensure the long term sustainability of the 4 H program Over and above the coordinated support through OMIA and Farm Mutual Re you are well known for April 2018 31

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OTHER NEWS AND EVENTS LAMBTON MUTUAL Underwriting Manager Heather Straatman Loss Prevention Inspectors Dennis Kremer and Paul Van Lieshout and Director Jim Duffy attended the SouthWest Agricultural Conference 2018 in Ridgetown to network with farmers and representatives from the agriculture community TOWN COUNTRY MUTUAL On January 25th and 26th we participated in the Lifestyle Home Show in London at the Metroland Media Agriplex at the Western District Fairgrounds NORTH BLENHEIM MUTUAL We had a great time at the Oxford County Insurance Brokers Association Curling Bonspiel Thanks to the event organizers for a great day Pictured From Left Seamus Doherty Lori Fritz Rence Amos Jeff Dahmer and Paul Henderson MY MUTUAL We re happy to report that we re getting closer to implementing our new software program which is now in the testing stages All departments will be involved in parallel testing of the new software before it is completely installed It has been a longer process than anticipated but it will be worth having a top notch system that offers security and streamlines our processes 32

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OTHER NEWS BERTIE CLINTON MUTUAL We participated in the Ontario Fruit and Vegetable Convention in Niagara Falls in February This was a great opportunity to promote our brand and connect with existing and potential clients Sean Enns Emily Russell and Christa Nixon are pictured spreading the word about all we have to offer WEST ELGIN MUTUAL It s been a long process but our new building is finally nearing completion Our plan is to close the Currie Road office on Friday April 6th and be up and running for business at our new location at 29584 Pioneer Line in Dutton on Monday April 9th Everyone at West Elgin Mutual is looking forward to having more space a place to exercise and lots of natural light OMIA The Poultry Industry Council and the Ontario Ministry of Agriculture Food and Rural Affairs have teamed up to help lead discussions on current issues affecting the poultry industry OMIA s Sue Baker had the opportunity to speak at the Clifford Regional Producer Update on February 14th She discussed the role of insurance in poultry operations and what producers need to know before insuring their poultry farms The intent of these sessions is to ensure the longevity of the industry by keeping producers up to date on important information that will affect their businesses now and in the future ERIE MUTUAL Our Management Team continues to lead the charge full speed ahead for staff and members to embrace and benefit from the changing digital insurance experience Recent projects have included a complete rebuild of the Erie Mutual website and all active social media platforms as well as incorporating the use of a new CRM as we launched Dynamics 365 live throughout the office in January 2018 Implemented changes are achieving successful results in company effectiveness and efficiencies office wide Pictured Erie Account Executive Gary Pinelli enters new Leads into the Dynamics program The sales process will convert the opportunities and once they are won they will become the newest Erie Mutual members BERTIE CLINTON MUTUAL Our staff is pictured having fun celebrating the holiday season April 2018 33

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OTHER NEWS HEARTLAND FARM MUTUAL Trade show season is in full swing and Heartland is happy to share our booth space with brokers and agents as we did at the Southwestern Ontario Dairy Symposium left and Chatham Kent Farm Show ERIE MUTUAL Erie Mutual Insurance became a corporate member of the Rotary Club of Dunnville just over a year ago and it s paid big dividends for our community As the Member of Record Darcy Johnson has encouraged the Rotary Delegates to become involved in the club s committees and activities They ve done that and much more Recent involvement has included Jennifer Belu fully supporting and assisting in the Rotary s Suicide Awareness Program while Adam Heeg took on the role of leading a very successful Rotary Christmas House Tour and Lauren Horton organized and took charge of a well attended Family Day event at our local community centre The feedback from Rotary has been exceptional Erie Mutual has strong representation at weekly meetings and our delegates are leading the way for a younger generation of Rotarians Pictured are Adam Heeg and Jennifer Belu SABS Claims Li ga on Commercial Claims Economic Loss Claims Jessy Hawley CPA CGA CFF CIP Gary Phelps CPA CMA CFF CFE advisoryservices davismar ndale com 1 800 668 2167 34 WABISA MUTUAL Out with the old in with the new Check out our new signage at Wabisa Mutual INDEPENDENT MEMBER FIRM

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RETIREMENTS Celebrating Those Who Have Helped Ontario Mutuals Thrive PEI MUTUAL Tom Kickham also retired from PEI Mutual on December 31st 2017 after serving the people of eastern Kings County for over 34 years PEI MUTUAL After 33 years as Safety Surveyor to PEI Mutual policyholders We wish Tom and his family a long Franklin Sanderson retired on December 31st 2017 Frank started with PEI happy and healthy retirement Mutual in 1985 and pioneered our Safety Survey Program which continues to be offered to our policyholders at no cost Over the years these safety surveys have helped many policyholders by preventing and reducing the risk of loss to their homes farms and families We wish Frank and his family good health and many happy years in his retirement Frank welcomes new Safety Surveyor Gary Bryson and offers him best wishes in his new career Mr Bryson comes to PEI Mutual with his Journeyman Electrician and Power Engineering background as well as extensive training in Safety and Loss Prevention Gary will continue the Safety Survey program for policyholders across PEI Gary lives in Summerside with his wife Krista and their family Pictured Left to Right Frank Sanderson Gary Bryson 36

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RETIREMENTS FARM MUTUAL RE It is with mixed emotions that we announce the retirement of Sue Webster effective December 31st 2017 For those who are unaware Sue worked with FMRP From February of 1979 through January 1989 at which time she left us to work for a computer software company Sue returned to us May 2006 as a Statistics Coordinator offering onsite data quality audits to our membership Over the next several years Sue and eventually her team travelled across Canada building deep rooted relationships with our Members guiding them through error detection and correction processes to ensure quality data was reported to the OMIA database During her tenure with FMRP Farm Mutual Re Sue witnessed our organization double assisted with the transition of the Statistics Department into the newly formed Data Analytics Department and she was part of our re branding process and has always been an active supporter of many of our social events Sue we thank you so much for your time and commitment to the mutual insurance industry FARM MUTUAL RE It is also with mixed emotions that we announce the pending retirement of our AVP Claims Lori Corrigan Lori began her career in insurance as a claims adjuster immediately after graduation and has been in the insurance industry in one form or another ever since then including operating her own business working as an industry consultant Lori has had a very rewarding insurance career holding positions as Director of Operations Executive Vice President and Vice President Chief Operating Officer Farm Mutual Re was fortunate to have Lori conclude her insurance career with us successfully fulfilling the responsibilities of Assistant Vice President Claims Lori joined Farm Mutual Re in November of 2011 with a goal of making an impact with both people and results During her tenure with us she has proven herself to be a truly respected caring and compassionate leader focused on the individual development and growth of her claims team Her efforts have truly been rewarded in the hard work of a very successful team who strives to give back to the organization by meeting and surpassing goals to support the needs of Farm Mutual Re and our Members We truly believe you have met your personal goal of making an impact and achieving results Lori announced a retirement date of June 30th 2018 at which point she and her husband Bruce intend to spend more time on the greens travelling and enjoying family BBQ s Congratulations Lori and on behalf of the board our staff and the entire mutual family we wish you health happiness and joy April 2018 37

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What is AALP The Advanced Agricultural Leadership Program AALP is a 19 month executive development opportunity for men and women who want to shape the future of the agriculture and food industry and make a positive difference in rural communities across Ontario Ontario Mutuals sponsors AALP to help ensure the success of the men and women enrolled in the program and to help ensure the progress of Canadian agriculture The curriculum includes a series of eight seminars two study tours one North American and one international and one issues analysis project Study topics include government and political systems marketing and economics environmental impact national and international trade communication and organization skills decision making consumer and social issues media relations agri food trends and society and globalization and the dynamics of change HOW AALP MAKES A DIFFERENCE AALP opens the gates to other sectors and industries that one might never experience in such a thought provoking way It wouldn t be unusual to note amazing similarities but also fantastic differences to your own business or industry I appreciated how the AALP experience also created a sense of hope and optimism through opportunities to witness true innovation collaboration and community action There were so many wow moments where we were left marvelling at the tenacity and ingenuity required to overcome complex challenges But the real magic of the AALP experience comes from the diversity of participants standing next to you all sharing each situation through a unique lens It helps you calibrate your thinking and view of the world like few other experiences can Kevin Prong Manager Business Innovation Edge Mutual Having the opportunity to participate in the Advanced Agricultural Leadership Program has had an extremely positive impact on me both personally and professionally The program offered excellent leadership training and allowed us to put our skills to use in various ways throughout the program In addition to learning about different sectors of agriculture we were also exposed to political and socio economic issues across Ontario nationally and internationally Learning alongside some of the brightest people in agriculture having diverse skills and experiences exposed me to very different and interesting perspectives I have developed a wonderful network of friends that I am able to call upon from across the agricultural sector Finally being able to visit and learn about communities and the issues they face across the Province the USA and India certainly broadened my horizons expanded my mind touched my heart and provided me with life changing experiences only made possible by being part of this amazing program Tammy Hickling Vice President Insurance Operations Howick Mutual 38

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AALP Dream Auction The Advanced Agricultural Leadership Program s Dream Auction is a biennial event that supports the Advanced Agricultural Leadership Program AALP and brings together close to 400 of Ontario s agriculture leaders to raise funds for the current class of the program Being part of this program is a great learning experience and also gives me the opportunity to educate other leaders in agriculture about insurance and the advantages of the Mutual Insurance sector I am also advocating the importance of a progressive risk management approach for primary producers and other stakeholders in the food industry I was very honoured to be accepted into the program that started in the Fall of 2017 To date my experience has been incredible It has made me more selfaware and has allowed me to step out of my comfort zone I m learning about our political and social issues strategic planning for the future of agriculture and food industries and in addition the issues and concerns that surround our rural communities and challenges in rural Ontario The program has introduced me to different sectors of the Ag industry that I never would have been exposed to I have built a great network of colleagues and leaders along the way and can t wait to see what the next 11 months will bring Rhonda Ryan Agri Business Commercial Lines Team Leader Trillium Mutual Ontario Mutuals were well represented at the AALP Dream Auction in Guelph February 10th helping to support Ag leadership and education OMIA Trillium Mutual and Heartland Farm Mutual were among the attendees whose bidding raised money for the Advanced Agricultural Leadership Program This year the Dream Auction had a Farmer s Market theme The Advanced Agricultural Leadership Program introduced me to a much broader spectrum of Ontario agriculture than I d been exposed to before When I started I was familiar with the sector of the industry that I was working in and with the crops that were produced on my family farm but throughout that program realized how much more there was to learn My 29 classmates had diverse backgrounds from primary producers and agri bankers to processors and agronomists 15 years later they re still among my closest friends and they re the group I go to first when seeking out connections and answers The seminars speakers and study tours all added to the incredible learning opportunity I m very grateful for having had the chance to take this program Kelly Daynard Executive Director Farm Food Care To learn more visit http www ruralontarioinstitute ca aalp April 2018 39

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APPOINTMENTS POSITION CHANGES Transforming the Mutuals PEEL MUTUAL Chair John Sanderson and the Board of Directors of Peel Mutual Insurance Company are pleased to announce the appointment of Irene K Bianchi as President and Chief Executive Officer effective Monday Feb 5th 2018 Mrs Bianchi is an experienced insurance executive who has spent over 30 years in the property and casualty industry She has worked for several Canadian and global insurers throughout her career in key domestic and international leadership roles Irene is a graduate of Queen s University at Kingston She also holds a Law degree from the University of Windsor Law School and is a member of the Law Society of Upper Canada and the Canadian Bar Association Irene s focus will be to drive excellence for Peel Mutual s customers agents and brokers We look forward to delivering the products and services that best protect our customers and the things they value under Irene s vibrant leadership FARM MUTUAL RE The Claims team at Farm Mutual Re is very pleased to acknowledge Christine Meacher as she progresses to the next step of her career after having accepted the role of Claims Supervisor Christine has worked diligently to build her technical skills during her 12 years at Farm Mutual Re and has handled both tort auto non auto and Accident Benefit Claims In the last 6 months she has been working on her leadership coaching and mentoring skills and this will continue as part of her Career Plan This is a much deserved promotion as Christine has taken on a natural leadership position within the team by volunteering to address numerous accountabilities outside of her file handling responsibilities HALWELL MUTUAL We ve had some exciting organizational changes recently at Halwell Jason Cox has been appointed as our first ever Business Development Representative He s been an integral part of our underwriting team for the past 3 5 years and brings over 5 years of multi line underwriting experience and exemplary service to our brokers to this new position Maria Scott has been promoted from Controller to Vice President Finance Tom Seaman has been promoted from Claims Manager to Vice President Claims and Corporate Services Stephen Matusiak has been promoted from IT Manager to Vice President Business Innovation PEEL MUTUAL We re also happy to announce that Bryan Bedford has been promoted to VP of Operations effective March 1st 2018 In this role Bryan will be a key player on the management team accountable for the smooth operations of our business technology process improvement and strategy execution Throughout his 15 years of insurance technology experience Bryan has held roles of increasing responsibility across Marketing IT Audit and Underwriting He also has experience as a co founder of a digital new media company Bryan holds a B Sc a diploma in Ecosystem Restoration the Canadian Risk Management designation with honours his FCIP with Honours as the top student in Canada and was the sole recipient of the CIP Society s 2015 National Leadership Award 40

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APPOINTMENTS TRADITION The Board of Directors of Tradition Mutual Insurance Company is pleased to announce the appointment of Paul Burns to the position of President and Chief Executive Officer CEO effective Monday April 2nd 2018 Paul succeeds incumbent CEO Harry Bryant who retires at the end of April 2018 Harry will act as a resource for Paul during the transition period prior to his retirement Paul currently holds the position of Business Development Manager He has been responsible for providing leadership and support to our distribution networks including agents and brokerages He recently introduced new technology including a new system management tool to aid in supporting company development His extensive underwriting knowledge and experience has been an asset in this role We are confident that Paul s familiarity with our company stakeholders and strategic direction will enable him to lead the Tradition Mutual team to future success Prior to joining Tradition Mutual Paul spent 11 years with MAX Canada Insurance an Associate Member of the Ontario Mutual Insurance Association He held the positions of Head Business Development and Underwriting Manager during his tenure there He has a proven track record of success with multi lined experience His background at MAX Canada allowed him to work closely with many brokers and agents across Canada Paul attended Wilfrid Laurier University and has his FCIP CRM and WETT designations as well as an Agent License He has been active in his own professional development over the years and plans to support his staff on setting professional goals and becoming life long learners Paul and his wife Cathy reside in Kitchener and they have two children He enjoys family trips and spending time together as much as possible He and his wife have been active through their church and travel to Nicaragua to help build homes for less fortunate families OMIA We re pleased to announce that Jackie Brouwers moved into the role of Compliance Resource Officer on February 1st 2018 The Compliance Resource Officer position researches and analyzes compliance requirements for Ontario Mutuals companies develops tools and resources to help them meet those needs and then works to assist them as they work through implementation In her time with OMIA Jackie has worked on many compliance related projects and her experience working with our Mutuals and doing knowledge transfer through training is a great fit for this role HOWARD Kim White President and Chief Executive Officer CEO on behalf of Howard Mutual Insurance Company HMI wishes to announce the appointment of Ron Elviage as the Business Development Manager effective January 2nd 2018 Ron has over 20 years of experience in the insurance industry including commercial underwriting risk and claims management and commercial insurance sales Ron began his insurance career as an underwriter with the Dominion of Canada and later moved to a risk management role with a national transportation firm For the past nine years Ron has been a commercial insurance broker first with Marsh Canada and for the past few years with regional insurance brokers Ron has completed the CIP designation and has a Bachelor of Physical Education from Brock University He is currently working toward his Bachelor of Commerce degree at the University of Windsor Ron and his wife have two grown children and reside in Sarnia Kim White stated Ron is a welcome addition and we are very excited to have someone with Ron s sales and leadership skills joining our Howard Mutual team We look forward to welcoming continued profitability and success with Paul Burns as President and Chief Executive Officer April 2018 41

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CONVENTION PRESIDENTIAL MERIT AWARD Each year the Presidential Merit Award is presented to an individual who exemplifies the best elements of our mutual system Winners of this award have demonstrated a long term commitment to mutuality and service to the association This year s winner is Steve Smith Steve was appointed as President and CEO of the Farm Mutual Reinsurance Plan in September 2003 He holds both the Chartered Insurance Professional and Canadian Risk Management designations In his current role Steve is responsible for leading operations of Farm Mutual Re and all that entails including directing future growth and development and for his stewardship of Farm Mutual Re s very significant contribution to mutuality and the mutual system in Canada Steve has played a leading role in the development of Farm Mutual Re as a highly respected Canadian reinsurer Steve has mentored Farm Mutual Re s leadership staff and directors helping the organization transition through a rapidly changing environment over the past 15 years Steve s involvement with industry organizations have included sitting on OMIA s Market Issues Committee acting as a member of the Farm Mutual Pooled Funds Investment Committee and participating as a member on FSCO s Farm Mutual Advisory Committee Steve Smith and Christine Van Daele OMIA Chair Steve served as a NAMICO director in the US and has most recently served on the NAMIC Management Conference Organizing Committee Steve has tirelessly given his time acting as a panelist and presenter at numerous events He crosses the province and country many times a year to present to groups and individual Mutuals and has helped cement the mutual bonds that hold us together OUTSTANDING CONTRIBUTOR AWARD The Outstanding Contributor Award is presented each year to a Member Company that has demonstrated leadership in supporting the mutual system This year Amherst Island Mutual is our Outstanding Contributor award winner To appreciate the mutual system one needs to value all of the unique Mutuals that have risen from the bedrock of our country Measuring the contribution of Mutuals is not strictly a matter of height width and volume but a matter of depth and heart This year we had an opportunity to recognize one of the smallest Mutuals in our system a Mutual that has over many years contributed to mutuality on a very large scale Amherst Island s Wayne Fleming left and Bruce Caughey are pictured with Christine Van Daele Particularly over the last 50 years the story of the contributions of Amherst Island have involved strong contributions from the Caughey family to Ontario s mutual system First with A Bruce Caughey who served as Chair of OMIA in 1975 and 1976 and then with his son current President CEO Bruce Caughey And as with many small Mutuals the directors of the company are active in maintaining Amherst Island s mutual values and ensuring that the company does right by it s policyholders Many of the current directors of the company can trace their lineage back to the original chartered directors from 1894 Since its beginning Amherst Island has contributed to and has been strengthened by the bonds of mutuality truly an example of neighbour helping neighbour April 2018 43

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STATS CORNER Insights for the Mutuals from the OMIA Statistics Department 2017 Consolidated Financials for the Fire Mutuals Guarantee Fund Members As of December 31 2017 2017 2016 000 000 Change Assets 2 371 620 2 290 977 4 Liabilities 1 170 940 1 116 407 5 Surplus 1 200 680 1 174 570 2 Total 2 371 620 2 290 977 4 Property 409 395 384 680 6 Liability 69 462 66 644 4 287 606 270 115 6 600 609 1 Direct Premiums Written Gross 767 063 722 048 6 Reinsurance Ceded Assumed 102 148 97 303 5 664 915 624 745 6 26 682 50 054 47 Premiums Automobile Other Net Premiums Net Gain Subject to change after examination Version March 2 2018 While profitability lagged in 2017 growth remained steady at 6 as Direct Written Premiums cross the billion mark on the strength of over 1 2 billion of surplus Superior Insurance Solutions TITAN WEB ATLAS INSPECT Contact us for your free on site demonstration www sehcomp ca MINDER PRO 1 800 575 9974

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UPCOMING TRAINING EVENTS Subject to change Please refer to www omia com to review a current calendar of courses offered by OMIA Click on Education and then Education Calendar DATE COURSE NAME Personal Lines Automobile April 24 25 Insurance Course Level 1 COURSE DESCRIPTION This popular interactive 2 day program takes a back to basics approach providing participants Underwriters Agents Brokers and Adjusters an in depth understanding of Ontario s Automobile Insurance Policy OAP1 Policy Change Forms OPCF the Automobile Insurance Application OAF 1 Associated Reports and how to apply the Underwriting Manual guidelines April 25 Accident Benefits Claims Handling Workshop Join us on April 25th for our Spring Accident Benefits Workshop Topics will include Structured Settlements and Accident Benefits The Biomechanics of Injury Causation Tips and Strategies for Handling Casualty Insurance Claims and an Ask an Adjuster Q A segment May 1 Board Chairpersons Roundtable Of interest to Board Chairs and Vice Chairs this session will focus on governance and meeting topics of interest to them May 1 2 Portfolio Management offered live online Portfolio Management 101 Training will enhance existing skills used in the analysis of data to understand past performance and make changes to influence future profitability This course will appeal to anyone that wants to better understand the ratemaking process and will be particularly useful for those managing an underwriting program May 2 IT Roundtable A group of member company network or system administrators IT coordinators and other IT professionals meet to discuss issues surrounding data integrity and cyber security May 3 Building a Compliance Culture Human Resources Focus Replaces the May HR Roundtable On May 3 we will combine the HR Roundtable with the HR focused section of our ongoing Establishing a Compliance Culture series We will focus on the various regulatory requirements that member companies have to meet as employers and add them to our growing compliance calendar May 3 Insurance Finance 101 for Mutual Insurance Companies Held at Hay Mutual First of two dates Updated in 2018 this one day session mandatory for the Directors Certification Program is designed to provide directors and member company staff insurance accounting concepts in an interactive and non threatening way May 9 Underwriting Managers Roundtable Program is designed to provide directors and member company staff insurance May 10 Miller Thomson Day Replaces the May Agents and Claims Roundtables accounting concepts in an interactive and non threatening way May 15 16 Commercial Automobile Insurance Level 1 This comprehensive 2 day program is targeted to member company underwriters and agents new to working with individually rated commercial automobile risks May 16 Insurance Finance 101 for Mutual Insurance Companies Held at OMIA Cambridge Second of two dates see May 3rd at Hay Mutual Following the May 3rd session at Hay Mutual this is the second offering of this updated one day session designed to provide directors and member company staff insurance accounting concepts in an interactive and non threatening way This is a mandatory component of the Directors Certification Program May 16 Getting More Life Out of your Time REGISTRATION DEADLINE APR 23 One of the units in the University of Waterloo Leadership Certificate Program this program focuses on the essential habits and attitudes you need to make the most of your time increase personal productivity and get more life out of your time May 17 Accountants Roundtable This affiliate group of member company accountants meet to discuss issues which impact their role and corporate responsibilities May 23 Loss of Income This one day session is designed for point of sale underwriters and adjusters who would like to understand this often misunderstood line of insurance May 24 Loss of Income This one day session is designed for point of sale underwriters and adjusters who would like to understand this often misunderstood line of insurance May 28 29 30 Managers Conference Member company managers meet off site Kingbridge Conference Centre to discuss issues of interest to them June 5 Sales Accelerator Program Designed for those who have the responsibility of leading coaching insurance sales teams to grow their portfolios this is the first of a series of six sessions that will equip those individuals with the tips tools and material needed to act as a performance coach to sales people June 5 6 7 20 21 Intermediate AB Adjusters Part 1 More information coming to the website soon June 12 13 Ontario June 12 13 Mutual Loss Prevention League OMLPL An affiliate group of mutual company loss prevention officers attend sessions and discuss topics of interest to them April 2018 45

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IN MEMORIAM Remembering our Mutual Family Members TOWN COUNTRY MUTUAL Garry Hickson the first CEO of Town Country Mutual passed away on December 15th 2017 Garry s insurance career started in the 1970 s with Commercial Union in London and later Hamilton He also spent time with the General Accident in underwriting and marketing Garry joined East Williams Mutual in 1998 as the General Manager moving to Strathroy and becoming part of our local community He played an important role in the amalgamation discussions that took place between East Williams Lobo and Ekfrid Mutuals which led to the creation of Town Country Mutual effective January 1st 2001 At that time he was appointed General Manager of the new company and led the organization until his retirement in 2004 Garry was passionate about the Mutuals role in our industry and always considered his position with Town Country Mutual as the best job he had ever held Garry was also an Insurance Institute instructor for a number of years He will be missed 46 GERMANIA MUTUAL Germania Mutual Director Mary Golem passed away December 19th after a short but courageous battle with cancer Mary spent the past 12 years as a director of Germania including two years as Chair in 2011 and 2012 Mary was very focused on Directors Continuing Education and worked to attain her OMIA Certified Director designation She was also instrumental in the establishment of a formal Director Education Committee at Germania She will be missed

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IN MEMORIAM NORTH BLENHEIM MUTUAL Dwight M MacKay of Tavistock passed away peacefully at his home on October 23rd 2017 in his 90th year Dwight was a Past Director of North Blenheim Mutual for many years He was a man that lead by example and was very active in Knox United Church Embro He served with the Session Board of Stewards as a choir member and on many other committees he participated in many functions at the church He was gentle honest and trustworthy When you met Dwight at a church function a community function or simply on the street he always had time to say hello and a few kind words He will be truly missed by all who knew him HTM INSURANCE It is with great sadness that we share the news of Ross Thompson s passing March 27th 2018 in his 78th year Ross worked at HTM Insurance from 1985 to 2000 He was the General Manager when HTM Insurance won the first Outstanding Contributor Award in 1998 His support of any employee who wanted to work with OMIA Farm Mutual Re for the betterment of the mutual system was one of the reasons HTM received the award Ross was a great enthusiast of Mutualism TRILLIUM MUTUAL We are saddened to the announce the passing of Frank Coulter on November 2nd 2017 Frank served on the Board of Directors of Formosa Mutual and Trillium Mutual Insurance Companies from 1990 to 2008 He was the inaugural Chair of the Board of Directors of Trillium Mutual Insurance Company having served in that office in 2004 and 2005 Beyond his tenure as an active board member Frank also chaired the Building Committee and led a process that culminated in the construction of the first LEEDS building in Perth County YARMOUTH MUTUAL Bill Nesbitt of Lyons Ontario passed away on November 22nd 2017 in his 83rd year Bill was born in Malahide Township and served as a Director and Chair of Yarmouth Mutual from 1980 to 2005 The greatest love of Bill s love was his wife Joyce and their family followed closely by his love of farming For the past 62 years Bill was an admired and respected farmer who shared his knowledge and support with others in and around the Springfield Community He was a member of St John s United Church the Elgin Soil and Crop Improvement Association and the Oddfellow Lodge 404 Springfield for over 60 years Known for his warm manner and welcoming open door policy Bill was held in great esteem by his colleagues at Yarmouth Mutual and will be greatly missed April 2018 47

April 2018 OM News

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