Home, Business & Automobile Insurance PROGRAMS

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1 Home, Business & Automobile Insurance PROGRAMS Customized Insurance PROGRAMS for: Professional Associations Corporations Member-Based Groups Based on the feedback we have received, Mardon has been doing an exceptional job of meeting our members needs in these areas [Home, Office, Auto insurance programs]. British Columbia Medical Association (BCMA)

2 BRITISH COLUMBIA MEDICAL ASSOCIATION (BCMA) ALBERTA MEDICAL ASSOCIATION (AMA) COAST MOUNTAIN BUS COMPANY BCIT ALUMNI ASSOCIATION SASKATCHEWAN MEDICAL ASSOCIATION (SMA) PHYSIOTHERAPY ASSOCIATION OF BRITISH COLUMBIA (PABC) Some Organizations that Benefit from our PROGRAMS Include: WHAT OUR CLIENTS SAY ABOUT US Based on the feedback we have received, Mardon has been doing an exceptional job of meeting our members needs in these areas [General Insurance]. British Columbia Medical Association (BCMA) Our house is now insured through Mardon, with one of the biggest insurance companies in Canada (with a solid reputation) to a higher value than my old policy, with better coverage for specialty items and with less overall cost to me! Thanks, so much, to both Mardon Group and PABC for making my membership so valuable - both to my profession and to me personally! Physiotherapy Association of British Columbia (PABC) Member Scott Brolin, Physiotherapist We have just recently subscribed to the AMA Office Package Program offered by Mardon Group Insurance and I wanted to pass along our experience... From the very beginning, [Mardon s Representative] came across as being professional, well prepared and very responsive to our needs. She responded quickly and thoroughly to my questions and was able to get our coverage in place in a very timely fashion. I have been very impressed Dealing with Mardon has been a very pleasant experience and we look forward to continuing this relationship with Mardon Group. Patty Hopkins, Account Administrator for Dr. Ma, Member Alberta Medical Association (AMA) MARDON GROUP PHILOSOPHY The philosophy of Mardon Group Insurance is that successful programs are built upon successful relationships. With the leaders of the respective associations, societies, and employer groups having confidence in the qualifications of MGI and key team members, and with Mardon Group Insurance consistently providing exceptional value with its service, products and pricing, MGI delivers on its philosophy everyday. MARDON GROUP A PROFILE Mardon Group Insurance (MGI) is an insurance brokerage designed specifically to meet the needs of Group members. The Group may be an association, a member-based group, or the employees of a particular employer. WHAT IS THE MARDON GROUP PROGRAM? It is a value-added benefit, which you can provide to your members or employees AT NO COST TO YOUR ORGANIZATION. It provides them with a discounted group rate on their personal insurance coverages, such as homes, condominiums, rented apartments, seasonal dwellings, boats, trailers and cars. For members with commercial insurance needs such as offices, clinics, service and retail establishments, professional liability and more, customized group plans are also available with a discounted group rate. WHAT ARE THE ADVANTAGES TO YOUR MEMBERS OR EMPLOYEES? Generally lower cost and superior coverage compared to what is available on an individual basis in the standard market. Access to highly desirable, customized insurance products and services often unavailable to individuals through regular retail insurance channels. Satisfaction of knowing that their organization is working to provide them access to such superior, specialized benefits ( and at no cost to their organization). Access to on-line quotes 24 hours per day at their own convenience. They will not be contacted unless they request it via , phone, fax or in person. Individual member participation in the program is strictly voluntary. Security knowing policies are underwritten and financially backed by leading national and international insurance companies.

3 HOME Insurance Coverage Highlights STANDARD MARKET WHY SHOULD YOU CONSIDER A GROUP PROGRAM? HOME, BUSINESS OR AUTOMOBILE A Mardon Group Insurance program for your members or employees can be provided at no cost to your organization. Members or employees of your organization benefit from group buying power and you will be recognized as acting proactively on their behalf. A Mardon Group Insurance program is perceived as a logical and appreciated extension to any existing total benefits package that your organization may provide. If there is no existing benefits package, then such a benefit to members may definitely be valued. The Mardon Group Insurance program can extend to retirees and eligible members dependents living at home. You are in control you have full authority over how Mardon Group Insurance products and services are marketed to your group members. WHO UNDERWRITES THE PROGRAMS? The programs are underwritten for Mardon Group Insurance by various leading national and international insurers depending on the type of group, the specific needs of its members or employees, and the province(s) in which it operates. WHAT IS THE ROLE OF MY ORGANIZATION? All that is required is your help in informing your members or employees about the programs. There is no cost to you and we administer the programs. We do not request member or employee lists or contact information. Your members or employees are merely apprised periodically of the availability and benefits of the products and services and they are provided 24-hour access to on-line quotes. They are only ever contacted directly should they request it. Potential Premium Savings Coverage up to full policy limit for theft of personal property from your vehicle $1,500 limit for theft of personal property from your vehicle The amount of personal property carried in your vehicle may vary considerably during the year. On a road trip or driving holiday, you may take more personal property than you would normally keep in your vehicle on a daily basis. With this coverage, you will not need to worry about a reduced coverage limit or count the number of CDs you leave in the car! $150,000 Bylaws Coverage $10,000 Bylaws Coverage New building code bylaws are introduced at various times. Some homeowners face the prospect of having to comply with setback bylaw requirements if their home is significantly damaged by fire. In these cases, the foundation or footprint of the house may have to be shifted to comply with a bylaw. A higher limit for Bylaws Coverage may reduce a homeowner s concern about increased repairs or rebuilding costs caused by bylaws requirements. $10,000 Coverage for Business Property On-Premises $5,000 Coverage for Business Property On-Premises This higher limit enables you to take more of your business property away from your office, as and when you need to, without necessarily having to purchase additional coverage which may reduce your chances of having an underinsured loss. $10,000 Coverage for Business Property Off-Premises Not Covered A home-based business may require some business property to be temporarily taken away from the premises (e.g. a laptop computer or product samples). This coverage provides protection without having to pay extra premiums. $1,000 Coverage for spare automobile parts Not Covered Spare seats, engine parts, or other parts may not be covered under your automobile insurance policy and are usually excluded by your home insurance policy under the automobile equipment exclusion. This feature provides coverage for some spare automobile parts you may have in your garage, on-site storage locker or elsewhere in your home. $2 million Coverage for Bodily Injury and Property Damage Liability $1 million Coverage for Bodily Injury and Property Damage Liability Higher liability limits are recommended to protect your financial well-being. The Mardon Group Insurance program includes $2 million personal liability coverage in the package premium. Limits over $2 million may also be available upon request. $2,500 Coverage to replace the locks on your home $500 Coverage to replace the locks on your home If the keys to your home are lost or stolen, a higher coverage limit may better enable you to change locks on your home in an endeavour to prevent a potential burglary by the people who stole or found your keys. No deductible applies to this coverage. MARDON GROUP PROGRAM }UP TO 20% OR MORE IN SAVINGS STANDARD MARKET $2,500 Coverage to replace the locks on your automobile Not Covered This feature complements the coverage for the locks on your home. Changing the locks on your automobile may help prevent its theft should the keys to it be lost or stolen. No deductible applies to this coverage. Coverage up to full policy limit for student property $10,000 Coverage for student property If you have one or more children away attending school, this coverage ensures that adequate insurance should be available to cover their personal belongings. $5,000 Coverage for relatives property in nursing home Not Covered This coverage provides protection if you have a relative in a nursing home. Most people do not have many personal belongings with them in a nursing home and this feature helps them to protect their belongings without necessarily having to buy an insurance policy themselves.

4 MARDON GROUP PROFESSIONAL, EXPERIENCED TEAM LEADERSHIP COMMERCIAL OFFICE Insurance Coverage Highlights INDUSTRY STANDARD Bruce MacDonald, MBA, FCIP, CRM, President Prior to joining the Mardon organization in 2000, Bruce was Regional Vice President of ING Insurance (now Intact Insurance). He is a Past President of the Insurance Institute of British Columbia, a Past Governor and member of the Executive Committee of the Insurance Institute of Canada (IIC), and has served as the National Chair of the Chartered Insurance Professionals Society of IIC. Bruce has served on the Governing Councils of the Insurance Institutes of Ontario, British Columbia, and New Brunswick. He holds a Master of Business Administration degree from York University in Toronto and has earned the FCIP (Fellow Chartered Insurance Professional of IIC) and CRM (Canadian Risk Management) professional designations. Bruce has won multiple national and provincial honours for his professional studies and has been a frequent speaker at many insurance industry events. He has sat on Broker Councils for various insurance companies. In 2009, Bruce received the Insurance Institute of Canada s highest non-academic award, the IIC Award of Merit. Contact: Phil Cunningham, BA (Hons), CIP, PgDip, Senior Vice President Phil graduated from Manchester University in England with a Bachelor degree majoring in Commerce, which was followed by a post-graduate diploma from Salford University. He is a Chartered Insurance Professional of the Insurance Institute of Canada and is a Gold Medal recipient for his insurance studies. Phil is a Past President of the Insurance Institute of British Columbia and a Past Governor of the Insurance Institute of Canada. Prior to becoming a member of the executive team at Mardon Group Insurance, Phil was an Underwriting Manager for ING Insurance (now Intact Insurance) where he was instrumental in developing many Property & Casualty insurance programs for organizations. At Mardon Group Insurance, Phil has applied his proven expertise in customizing insurance programs for members of many associations, member-based groups and employer groups. These programs are suited to meeting the specific needs of the members of each group and may include home, automobile, office, clinic, business, E&O, and other types of insurance. Contact: Brad Neal, BA (Hons), CIP, Vice President With over two decades of progressive insurance experience, Brad has a broad base of knowledge and expertise from the perspective of broker, underwriter, and management. Following completion of his degree at Queen s University, Brad attained his Chartered Insurance Professional designation while holding increasingly responsible positions with two large international insurers. Before becoming a partner in a multi-office Ontario brokerage, Brad was Vice President at Pilot Insurance (now Aviva Canada) in Toronto. He has executive training at such respected international business schools as Wharton (US), INSEAD (France), and the London Business School (UK). With a focus on giving back to his community and industry, Brad has served in such capacities as President of his chapter of the Insurance Brokers Association of Ontario and as a member of the Organizing Committee for the Terry Fox Run in his region. Contact: $5 million Commercial General Liability Coverage included in the package premium Group Discounts available for those qualifying Multi Vehicle and/or Multi Policy discounts may be available Insurance underwritten by leading regional, national and international insurers depending on the specific needs of the association or employer group and the province(s) in which it operates Flexible payment options including monthly payments for those qualifying $1 million Commercial General Liability Coverage included in the package premium Higher liability limits are recommended to protect business assets. This coverage includes $5 million Commercial General Liability protection in the package premium so you do not need to pay extra premiums to get this higher liability limit. $5 million Coverage for Tenants Legal Liability $1 million Coverage for Tenants Legal Liability Landlords regularly require their tenants to carry this insurance as protection if the tenant is found legally liable for property damage to the building. An example of this would be if a tenant in a building negligently started a fire that burned down the building. This higher liability limit is included in the package premium. $2 million Limited Pollution Liability Coverage Not Covered This provides coverage in the event of an unexpected and unintentional discharge or release of pollutants, such as chemicals, at your premises which results in bodily injury or property damage or damage to a sewer or drainage system. $50,000 Coverage for Business Property Off-Premises $10,000 Coverage for Business Property Off-Premises This higher limit enables you to take more of your business property away from your office, as and when you need to, without necessarily having to purchase additional coverage and it may also reduce your chances of having an underinsured loss. $50,000 Coverage for Valuable Papers $10,000 Coverage for Valuable Papers This insurance covers the cost of re-compiling your business records and books of account if they are stolen or damaged by an insured peril. $5 million Coverage for Non-Owned Automobile Liability $1 million Coverage for Non-Owned Automobile Liability If one of your employees needs to hire a rental vehicle during the normal course of their employment, or uses their own vehicle during the normal course of their employment, this coverage is included in the package. It provides a higher liability limit to protect your business should the employee be found liable for causing bodily injury or property damage to a third party during the normal course of their employment. $50,000 Coverage for Accounts Receivable $10,000 Coverage for Accounts Receivable This coverage provides higher protection if you are unable to collect your accounts receivable because of loss or damage to your records of the accounts receivable by an insured peril. AUTOMOBILE Insurance Coverage Highlights

5 HOME BUSINESS AUTOMOBILE All the advantages of individually tailored coverage with the buying power of the group provided at no cost to your organization Contact MGI Vice President, Brad Neal, BA (Hons), CIP, to arrange for a presentation or merely to secure more information. Toronto Office 181 University Avenue, Suite 2011 Toronto ON M5H 3M7 T TF F TF Vancouver Office 800 West Pender, Suite 318 Vancouver BC V6C 2V6 T TF F TF in the event of any inconsistency(ies) between this document and any insurance policy(ies) that are, or will be, issued, the policy(ies) shall prevail.

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