Mission Statement Insurance Professionals dedicated to providing quality insurance solutions, service and security to Saskatchewan people.

Vision Statement To be the Insurer of choice by providing customized, professional and innovative insurance solutions, with a personal touch, to the people and businesses of the Prairies.

Goals 1. People

To build and maintain an organization of people who have the vitality, strength, capacity, diversity and versatility to carry out its purposes.

2. Financial Security and Stability

To build and maintain an appropriate profit and surplus.

3. Policyholders

To make appropriate insurance products available and to provide excellent service.

4. Corporate Images

To develop, maintain and project a positive, well-respected corporate image.

5. Facilities

To plan and provide for appropriate buildings, transportation and equipment for the ongoing needs of the company.

2014 Annual General Meeting Agenda 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

11. 12. 13. 14. 15. 16. 17.

Call to Order Call for Quorum Approval of Agenda Minutes of the 2012 Annual Meeting held on February 22, 2013 Business Arising out of the Minutes Board of Directors’ Report, Hildor Braun, Chairperson Call for Nomination of Directors Appointment of Balloting Committee Bylaw Amendment - Rewrite of the Bylaws to bring the wording of the bylaws into accepted political correct standards. Managers’ Reports a. Wes Moroziuk, Claims Manager b. Garth Driedger, Manager of Underwriting and Risk Consulting Financial Report, Sheryl Janzen, Accounting Manager President & CEO Report, Valerie Fehr Election of Directors Appointment of Auditors Questions from Policyholders Door Prizes Adjournment

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2013 AGM Meeting Minutes

MMFI SASKATCHEWAN ANNUAL GENERAL MEETING MINUTES February 22, 2013

1. Call to Order Bryant van Kuik called the meeting to order at 1:00 p.m. 2. Call to Quorum The Quorum of 12 members was met. 3. Approval of Agenda MOTION: Sheldon Janzen moved that the 2013 AGM Agenda be approved. SECONDED by Curtis Wiebe. CARRIED. 4. Minutes from 2012 AGM Karen Klein read the 2012 AGM minutes. MOTION: Kathy Ratzlaff moved to accept the 2012 minutes as read. SECONDED by Linda Buller. CARRIED. 5. Business Arising out of Minutes There were no items arising from the 2012 Minutes. 6. Board of Directors’ Report, Bryant van Kuik, Vice Chair-person Bryant noted that there was a correction to be made on the realized income stated in the Directors Report. Bryant van Kuik read the report in the absence of Hildor Braun, Chair-person for the Board of Directors. (See page 4 of the 2012 Annual Report) 7. Call for Nomination of Directors There was a call for Nominations to take place at 1:40 p.m. 8. Appointment of Balloting Committee Volunteers for balloting were: Sheryl Janzen, Tina Doell and Garth Driedger 9. Bylaw Amendment ‐ 19. Qualifications of the Directors The recommendation to amend bylaw 19’s qualification of a director’s age from 70 to 75. Bryant van Kuik opened the floor to discussion and questions as to what the Board is looking for in regard to directors. Tony Funk (policy holder) wanted MMFI to note the lack of inclusive language and gender neutral use in the MMFI bylaws. He also questioned the recommendation of amending the bylaw’s age qualification stating he believed age 75 and over was too old to continue on the board of directors because their term would technically not finish until the age of 78.

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MMFI Saskatchewan AGM Minutes 02-22-2013

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MOTION: Murray Klassen moved to support the amendment for bylaw 19 changing the qualifying age from 70 to 75 years of age. SECONDED by Curtis Wiebe. CARRIED. 10. Managers’ Reports a. Wes Moroziuk, Claims Manager(see the 2012 Annual Report page 5) The Incurred Claims for 2012 were $8,120,565, 962 claims for an average claim of $8,441.34. The top five claim categories were: fire, wind/hail, sewer back‐up, water, and machinery. A power point chart gave a comparison of 2011 with 2012. All 2012 claims were handled by in-house staff. b. Garth Driedger, Manager of Underwriting and Risk Consulting (see the 2012 Annual Report pages 6 and 7)

In keeping with the premise of spread of risk, in 2012 MMFI initiated controlled reduction of single risk exposure by imposing lower risk limits in all classes of business including ILOs. Increased pricing as required and continued due diligence in “knowing our risk” particularly through our risk consulting expertise will be the direction for 2013. 11. Financial Report, Sheryl Janzen, Accounting Manager (see pages 10-33) The MNP Report was presented as in the 2012 Annual Report. High-lighted in the presentation was the Statement of Financial Position (page 12), Reinsurance, Property Quota Share Program, MMP usage increase, and Claims up by 50%. Sheryl also spoke on how insurance premiums are accounted for. In conclusion she spoke on the MCT Score on page 32 in the 2012 Annual Report. MOTION: Becky Loewen moved to accept the 2012 Financial Report. SECONDED by Curtis Wiebe. CARRIED. 12. Election of Directors Art Klaassen and Brent Eliason were elected by acclamation. Brent Eliason introduced himself to the policy holders. 13. President & CEO Report, Valerie Fehr (see page 34) Valerie thanked the management team and staff. She reported that 2012 was the 2nd largest year in terms of the volume of claims. She highlighted Investments (page 21) and the way in which MMFI invests with a cautious approach. She told policy holders that in order to see dividends MMFI would have to be off Quota Share. She also gave an update on Premium Tax. Up until now MMFI pays no taxes on Farm premiums. This might see a change with the next government budget. 14. Appointment of Auditors MOTION: Sheryl Janzen moved that MMFI continue with Meyers‐ Norris‐ Penny (MNP) as Auditors for 2013. SECONDED by Bertha Moorman. CARRIED.

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MMFI Saskatchewan AGM Minutes 02-22-2013 15. Questions from Policyholders There were no questions asked by policy holders. 16. Door Prizes Wendy Donnan, Linda Buller and Sheldon Janzen were all recipients of the 3 door prizes drawn for. 17. Adjournment Shane Peters adjourned the Annual General Meeting at 2:10 p.m.

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MMFI Procedure Manual

COMPANY BYLAWS

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MMFI 2013

MMFI Procedure Manual BY-LAW NO. 1 (02/2014) A By-law relating generally to the transaction of the business and affairs of Mennonite Mutual Fire Insurance Company of Saskatchewan. BE IT ENACTED as a By-law of the Mennonite Mutual Fire Insurance Company of Saskatchewan as follows:

HEAD OFFICE

1. The Head Office of the Company shall be located in the Town of Waldheim or at such other place in Saskatchewan as may, by special resolution, be determined subject to compliance with the requirements of the Statutes.

MEMBERSHIP

2. A person insured under a policy issued by the Company shall, from the date upon which the insurance becomes effective, be deemed a member of the Company. 3. A member may, with the consent of the Directors, withdraw from the Company on such terms as the Directors lawfully prescribe subject to The Saskatchewan Insurance Act.

MEETING OF MEMBERS ANNUAL MEETINGS 4. An Annual Meeting of the members for the election of Directors shall be held before the end of February in each year at the hour of 1:00 P.M. in the Head Office of the Company in the Town of Waldheim or at such other location within the said Town as the Board of Directors by resolution determine – such location to be specified in the Notice of Meeting. 5. Before the election, the Annual Statement for the year ending on the previous 31st day of December shall be presented and read. 6. At every Annual Meeting, 1/3 of the total number of Directors shall be elected for a period of three years to fill the positions of Directors whose terms have expired. 7. If an election of Directors is not made at the annual Meeting, the election may be held on a subsequent day at a meeting called by the Directors. In this event, the Directors then in office will continue in office until their successors are elected.

GENERAL MEETINGS

8. The Directors may call a General Meeting of the members of the Company at any time for the transaction of any business – the nature of which is specified in the Notice calling the meeting.

NOTICE

9. Notice of every Annual or Special General Meeting of the Company shall be sent by mail to every agent who shall post the Notice in at least one conspicuous place in their area fourteen days before the Annual Meeting and it shall be published in a Saskatchewan Valley newspaper as well as one Swift Current publication at least fourteen days before the day of the Meeting.

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MMFI 2013

MMFI Procedure Manual ANNUAL STATEMENT

10. The Directors shall present, on paper, to the members in attendance, the annual Statements for the year ending on the previous 31st day of December which shall be certified by the auditors who shall be chartered accountants and shall be in the form prescribed by the regulations under The Saskatchewan Insurance Act.

CHAIRPERSON

11. The Chairperson or, in their absence, a Vice-Chairperson who is a Director shall preside as chairperson at a meeting of members, but if there is no Chairperson or such a Vice-Chairperson or if, at a meeting, neither of them is present within fifteen minutes after the time appointed for the holding of the meeting, the members present shall choose a person from their number to be Chairperson.

QUORUM

12. Twelve members present in person shall constitute a quorum for the transaction of business at a General Meeting other than a meeting to vote on demutualization, wind up or any other form of dissolution of the corporation. The quorum for a meeting called to vote on demutualization, wind up or any other form of dissolution of the corporation shall require a quorum equaling at least fifty percent (50%) of all members.

VOTING

13. The majority of the votes cast shall unless otherwise required by Statute, determine all questions proposed for the consideration of the members at a meeting of members. In the case of an equality of votes, the question shall be termed lost.

QUALIFICATIONS FOR VOTING

14. A Member of the Company who is not in arrears for any assessment or cash payment to the Company is entitled, at all meetings of the Company, to one vote if the amount of premium paid annually is not less than $20.00 and no member is entitled to more than one vote.

METHOD OF VOTING SHOW OF HANDS

15. At all meetings of members, every question shall be decided by a show of hands unless a ballot vote is demanded and an entry in the minutes of a meeting of members to the effect that the Chairperson declared a motion to be carried is admissible in evidence as prima facie proof of the fact without proof of the number of proportion of votes recorded in favour of or against the motion.

BALLOT VOTE

16. If a ballot vote is demanded, it shall be taken in such manner as the Chairperson of the meeting directs.

ADJOURNMENT 17. The Chairperson presiding at a meeting of members may, with the consent of the meeting and subject to such conditions as the meeting decides, adjourn the meeting from time to time and from place to place.

DIRECTORS

18. Six Directors who shall be residents of the Province of Saskatchewan shall conduct the business of the Company.

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MMFI 2013

MMFI Procedure Manual QUALIFICATIONS OF THE DIRECTORS

19. The Directors shall be members of the Company and insured therein for the time they hold office to an amount of not less than $2,000.00. A Director shall be 18 or more years of age. No undischarged bankrupt shall be a Director and if a Director becomes a bankrupt, they cease to be a Director. No member shall be eligible for election or re-election as a Director after age 75 years. A Director should not become involved in the settlement of any claim unless directly called on by the Adjusting Staff. A Director shall automatically be disqualified from any and all involvement in the adjusting of a claim pertaining to a relative of their family.

NOMINATIONS 20. Nominations for election to the Board of Directors shall be in writing signed by the candidate for election and by the person making the nomination. A prescribed Company form is to be used for this purpose. The form should be submitted to the Board Succession Committee.

ELECTION OF DIRECTORS

21. Elections are to take place as follows: (1) One-third of the Directors term of office shall expire annually, in rotation. (2) The election of Directors shall be held and made by such members as attend for that purpose in person. (3) The election shall be by ballot. (4) If two or more members have an equal number of votes so that less than the whole number to be elected appear to have been chosen Directors by a majority of votes, the members present shall proceed to ballot until it is determined which of the persons so having an equal number of votes shall be the Director or Directors.

VACANCY 22. When any vacancy occurs among the Directors, during the term for which they have been elected, due to absences, death, resignation, ceasing to have the prescribed qualifications or insolvency, the vacancy may be filled until the next Annual Meeting, by any person duly qualified, and chosen, by a majority of the remaining Directors. Any Director missing three consecutive regular meetings without having received leave from Directors shall ipso facto create a vacancy. At the next Annual meeting, the vacancy shall be filled for the portion of the term still unexpired.

CONDUCT OF BUSINESS QUORUM

23. A majority of the Directors constitutes a quorum for the transaction of business, and, in the case of equality of votes at any meeting, the question passes in the negative.

RECORDING OF DISSENTING VOTE 24. A Director disagreeing with the majority at a meeting may have the dissent recorded with the reasons noted.

MEETING OF DIRECTORS

25. The Board of Directors shall hold regular meetings at least once every three months for transacting the business of the Company. These meetings may be held either at Waldheim or elsewhere in the Province of Saskatchewan as the Directors may from time to time determine – dates of these meetings to be established at the Organization Meeting. 26. The Board of Directors shall keep Minutes of all their proceedings entered into a book or books kept for that purpose.

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MMFI 2013

MMFI Procedure Manual SPECIAL MEETINGS

27. The Chairperson or Vice-Chairperson or any two Directors may call a Special Meeting of the Directors at any time. The Chief Executive Officer shall call all such meetings when authorized.

NOTICE OF SPECIAL MEETINGS

28. Notice of every Special Meeting shall be given to each Director not less than seven days before the time when the Meeting is to be held.

REMUNERATION OF DIRECTORS

29. The Board of Directors shall have the authority to set the remuneration of the Board of Directors and the elected officers. They may differ as determined from time to time by Resolution of the Board of Directors.

OFFICERS ELECTED OFFICERS

30. The Directors shall, at their first meeting after the Annual Meeting, elect by ballot from among themselves, a Chairperson, Vice-Chairperson and Director at large. They shall form the Executive committee. The Secretary or Chief Executive Officer shall preside at such election.

APPOINTED OFFICERS

31. At the first meeting after the Annual Meeting, the Board may appoint a Secretary, a Treasurer and such other officers as the Board may determine. These appointed Officers might, but need not, be the Chief Executive Officer or members of the Board. 32. In the absence of written agreement to the contrary, the Board may remove at its pleasure any officer of the Company. Each prior Officer shall continue to hold office until the appointment of officers at such meeting. The terms of employment of all appointed shall be settled from time to time by the Board. 33. Every Officer or person appointed to any office concerning the receipt of proper application of money shall furnish security for the just and faithful execution of the duties of their office in the amount of $5,000.00 or such greater amount as the Board of Directors or the Superintendent of Insurance may from time to time determine and such security may be in the form of a Bond from a licensed guarantee insurer or surety company and any person entrusted with the performance of any other service may be required to furnish similar security, and security so furnished and then subsisting shall be produced to the auditors at the annual audit.

DUTIES OF OFFICERS CHAIRPERSON

34. The Chairperson shall, when present, preside at all meetings of the members and of the Board. The Chairperson shall have authority to delegate duties to any member of the Board.

VICE-CHAIRPERSON 35. During the absence or inability of the Chairperson, the duties may be performed by the ViceChairperson. If the Vice-Chairperson exercises any such duty or power, the absence or inability of the Chairperson shall be presumed with reference hereto. The Vice-Chairperson shall also perform such duties and exercise such powers as the Chairperson may from time to time delegate to him, or the Board may describe.

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MMFI 2013

MMFI Procedure Manual THE EXECUTIVE COMMITTEE

36. The Chairperson, Vice-Chairperson and Director At Large shall form the Executive Committee. The Executive Committee shall meet at the call of the Chairperson to advise and assist the Chief Executive Officer in dealing with emergency business during the intervals between meetings of the Directors or to dispose of routine business in accordance with instructions of the Directors. During the absence or inability of any Executive member, an alternate Director shall be invited to act on the Executive Committee in their place.

CHIEF EXECUTIVE OFFICER

37. The Chief Executive Officer, if one is appointed, shall have the general management and direction subject to the authority of the Board, the Company’s Act and The Saskatchewan Insurance Act, of the Company’s business and affairs and the power to appoint and remove any and all officers, employees and agents of the Company not elected or appointed directly by the Board and to settle the terms of their employment and remuneration and shall attend all meetings of the Executive and the members.

EXECUTION OF DOCUMENTS 38. The Chairperson or the Vice-Chairperson together with the Chief Executive Officer are hereby authorized and shall have power to execute deeds, mortgages, leases, Powers of Attorney, legal discharges of any security for money held by the Company or other documents whatsoever requisite or expedient to be executed on behalf of the Company and to attach the Corporate Seal of the Company to any of such documents which may be required to be executed under the Seal of the Company and all such documents executed as aforesaid shall be binding upon the Company.

BANKING ARRANGEMENTS 39. The banking business of the Company or any part thereof, shall be transacted with such bank, trust company or other firm or corporation carrying on a banking business as the Board may designate, appoint or authorize from time to time by resolution and all such banking business or any part thereof, shall be transacted on the Company’s behalf by such one or more officers or other persons as the Board may designate, direct or authorize from time to time by resolution and to the extent therein provided, including, but without restricting the generality of the foregoing, the operation of the Company’s accounts; the making, signing, drawing, accepting, endorsing, negotiating, depositing, or transferring of any cheques, loans, promissory notes; drafts, acceptances, bills of exchange and orders for the payment of money; the giving of receipts for any orders relating to any property of the Company; the execution of any agreement relating to any banking business and defining the rights and powers of the parties thereto; and the authorizing of any officer of such banker to do any act or thing on the Company’s behalf to facilitate such banking business.

INVESTMENTS

40. The Company may invest its funds in any securities in which it is allowed to invest them under the provisions of The Saskatchewan Insurance Act. The Directors shall formulate policy for the investments of the funds of the Company, and may from time to time consider and revise it. Actual purchases, sales and transfers of securities undertaken in accordance with the instructions of the Directors shall be carried out by the Investment Committee.

FORMS OF POLICIES

41. Any and all forms, terms, conditions, rates and premiums for all contracts of insurance undertaken by the Company shall, subject to The Saskatchewan Insurance Act, have the endorsement of the Directors by majority vote.

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MMFI 2013

MMFI Procedure Manual LIMITS OF LIABILITY

42. Subject to the license powers of the Company, the Directors shall fix the limits of liability which the Company may assume under any insurance contract and may vary and alter the same from time to time, and may determine what risk or classes of risk shall be undertaken or refused by the Company.

REINSURANCE 43. The Directors may reinsure any risk undertaken with any other Insurer and subject to the approval of the Superintendent of Insurance, may enter into a general reinsurance agreement with any other Insurer for the reinsurance of risks on such terms and conditions as may be agreed upon.

DISTRIBUTION OF SURPLUS

44. The Directors may from time to time out of the surplus of the Company distribute equitably to the holders of policies issued by the Company such sums as in the judgement of the Directors are proper and justifiable.

AUDITORS

45. The members shall, at each Annual Meeting, appoint one or more auditors to hold office until the next Annual Meeting and, if an appointment is not made, the auditor in office shall continue in office until a successor is appointed. 46. No person shall be appointed an auditor of the Company who is a Director, Officer or Employee of the Company or an affiliated Company or who is a partner, Employer or Employee of any such Director, Officer or Employee. 47. No person may be appointed auditor unless they are a Chartered Accountant.

FISCAL YEAR

48. Unless otherwise ordered by the Board, the financial year of the Company shall end on the 31st day of December in each year.

AMENDMENTS TO BY-LAWS 49. Any By-laws, other than those which are restatements of statutory provisions, may from time to time be repealed, amended, varied or otherwise dealt with at an Annual Meeting of the Company, if notice in writing of the intention to propose such repeal, amendment or variation at such meeting is given to the Chief Executive Officer at least two months before the holding of the meeting. This should be presented to the Board of Directors as well. Where such notice has been given to the Chief Executive Officer particulars of such proposal shall be stated in the Notice of Meeting.

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MMFI 2013

Director’s Report February 21, 2014 Board of Directors Report 2013 We as a board are pleased to report that the year 2013 has been very positive for MMFI. As the health of our company continues to grow stronger, we can move forward with confidence in 2014. Each year regulatory guidelines are being changed, so as to align with international standards. These changes place an increased workload on both staff and the board. To help us in the process of self evaluation and direction to meet future needs, the board has unanimously agreed to bring in an outside business and human resources consultant to guide us in the process. This process examines many aspects of our company, including governance and future needs. As we look forward, we realize that to remain a strong player in our province and to meet the needs of our next generation policyholder our technology also needs to be continually evaluated, so that our products are easily accessible and user friendly . As a board we are proud of our competent staff at MMFI in the way they are willing to take on new ideas and challenges. One of the strengths of our company is our size. The size of our company allows us to be policyholder sensitive and to make changes in a timely manner. We welcome feedback from both our brokers and policyholders, so we can continue to serve you better each year. We wish to thank all our policyholders for their solid support of MMFI. As a Saskatchewan based company we feel confident that together we can remain strong. Respectfully submitted On behalf of MMFI Board

Hildor Braun Board Chairperson Board of Directors: Hildor Braun, Chairperson, Swift Current Bryant van Kuik, Vice Chairperson, Hepburn Tina Doell, Executive Member, Aberdeen Art Klaassen, Rosthern Murray Klassen, Meadow Lake Brent Eliason, Swift Current

Underwriting and Risk Consulting

Premium growth for MMFI Saskatchewan in 2013 is attributable to a number of factors at play in the Saskatchewan P & C market Construction, while remaining strong, is levelling off and as such we saw a modest increase in the cost of construction in 2013. Also, as the Saskatchewan market adapts to the changes implemented by a number of other carriers, there continues to be an above average increase in new applications submitted and as such we have been intentional in our effort to ensure our growth is based on prudent underwriting practices and is consistent with our strategic plan. With the changes noted above we have seen a small but notable shift in the spread of risk both geographically as well as in the class of business. Farm property and associated liability continues to represent the largest segment of our premium volume by policy type at 51% however that is a decrease from the 54% we have seen for many years. Non-farm has increased to approximately 29% from 24% and commercial now represents only 17% with a total premium decrease for 2013. Auto continues to hold just over 2% of premium volume. There has also been a significant shift in claims distribution in 2013 with a disproportionate 24% of losses attributed to commercial policies producing a 71% loss ratio in a book of business that has traditionally had particularly low loss ratios. The majority of these losses are as a result of a handful of large claims. Farm policies also had a disproportionate amount of losses with 51% of the premium and only 47% of the losses produced a loss ratio of 48%. Past performance of the farm book of business has been volatile and has often seen higher loss ratios. Non-farm policies also performed very well at a 47% loss ratio. In 2013 we again introduced modest premium increases. That and continued vigilance in knowing and managing our risk have assisted in producing a very favorable combined loss ratio of 52%. Market share, as well as inflationary and rate increases combined to produce a total premium volume increase of approximately 11% ($1.7 million) for total premium of $16.3 million. When we isolate liability consistent with presentation by class of business in the P & C 1 we note that in 2012 farm property accounted for 50% of total premium volume. In 2013 we see that drop by another 2% to 48% with only a 1% increase in total farm premium.

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Underwriting and Risk Consulting continued Non-farm applications continued to dominate the new business and again represent the lion’s share of the premium growth for 2013 at 56%. A significant portion (31%) of this again relates to a specific geographic location and as such continued vigilance in underwriting will be essential. Our risk consultants continue to be a key element in our policy of knowing our risk as well as loss control. As a team the risk consulting department ensures that many of our commercial and agricultural risks as well as all the high value and unique construction dwellings are attended on a rotational basis. They also attend many of the solid fuel and all the oil heat installations. These consultations are beneficial to our brokers, provide critical underwriting information, and offer practical options for the insured for reducing the potential frequency and severity of losses. Respectfully submitted by,

Garth Driedger Underwriting and Risk Consulting Manager

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CEO REPORT

MMFI Saskatchewan operates at the will of and by the direction of several key groups of people. Our Policyholders, through their brokers, place their trust in MMFI with their policy premiums. We try to honour that trust with fairness, integrity and service in all of our contact points with policyholders and brokers. Our product has to be better than industry standard and our service has to be of the calibre that shows we care. We want to be the insurance that you need. Our Staff - Jack Welch stated “Willingness to change is a strength, even if it means plunging part of the company into total confusion for a while.” The staff at MMFI Saskatchewan has this strength in spades. Processes have been automated; jobs have been realigned and in some cases, totally changed. We lived the total confusion for awhile and now we see a streamlined processing system, which has made the workload easier and also helps in keeping our expense ratio down. We live in a Beta environment and we will continue to look for enhancements. To quote from Hildor Braun’s 2012 Director’s Report, “Only through constant self examination and the courage to adapt, will our company remain strong and continue to grow.” Our Directors, bring a dedication and passion to this company that often shames my own lack. Do they always agree? No. Do they all want the same thing for MMFI? Yes. Over the past three years your Directors have taken on more responsibility, which in turn has required more education. They continue to stretch and learn. There are times when it is necessary to take stock of where we were and where we are now. It helps to put our current discussions into perspective with the whole picture. Too often I get caught up in the moment, the here and now, the doing and I’m thankful for the reminders . . . We are “Insurance professionals dedicated to providing quality insurance solutions, service and security to Saskatchewan people.” We want “to be the Insurer of choice by providing, customized, professional and innovative solutions, with a person touch, to the people and business of the Prairies.” Respectfully submitted by,

Valerie Fehr President & CEO

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