YOUR CREDIT UNION PARTNER

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1 YOUR CREDIT UNION PARTNER

2 Our focus on you is in everything we do Providing value, solving business challenges and delivering products and services to meet your needs: it s what we do. At CUMIS, we are a trusted partner that delivers strategic advice and financial solutions to meet the unique protection needs of you and your members. We strive to develop solutions based on understanding your goals, sharing our knowledge and exceeding your expectations. We work with you to develop a successful insurance strategy while providing expert advice, a range of insurance and insurance-based wealth management solutions and excellent customer service. Your committed partner in success You ll receive solutions from our team of experts who are aligned with your strategy and objectives; solutions that are built on years of experience in the credit union system.

3 CUMIS is a trusted partner to credit unions and their members for protection personal, financial and business.

4 Relationships We re committed to building long-lasting, effective and proactive relationships with all of our credit union partners. Achieving your business goals and enhancing your members satisfaction is a focus we share with you to drive our mutual success. Wherever you re located across Canada, you have access to a dedicated relationship management team who draws on the experience of serving approximately 375 credit unions with more than five million members. This team is supported by experts and specialists from across our group of companies and integrated sales processes. We put your needs first to provide a superior customer experience. Solutions We provide advice and a full suite of insurance products and services designed exclusively for credit unions and their members. Our advisors work with you to deliver on your wealth and insurance strategies, protect your business and offer financial security to your members. We understand that you need to deliver consistent business and branch processes. Our technology solutions are designed to work with your systems and infrastructure, and our integrated systems include convenient, consolidated monthly statements and reporting tools to drive member satisfaction.

5 Support We provide custom learning solutions designed to meet your insurance strategy and preferred delivery format. By building your employees knowledge and capabilities, we can work together to enhance the member experience. To simplify the claims process and speed up turnaround times, we look for ways to pay the claim for your credit union and members. We take pride in our proactive approach to claims management, which sets us apart from our competitors. Answering your members questions quickly and effectively is important to us. Our Client Service Centre handles more than 10,000 calls per month related to the status of claims, applications, product questions and general inquiries. Results Being results driven while providing protection to your credit union and members, reducing risk and increasing revenue are integral to your success. We work with you to develop revenue opportunities to help you achieve the best outcomes. Through consultation and goal setting, we stay focused on programs that enhance your results and financial returns while helping you maintain a competitive advantage. Co-operative and community support As member-owned financial co-operatives, credit unions have a meaningful impact on the co-operative system and business landscape within Canada. Our values align with those of the co-operative and credit union system; we are committed to giving back to the communities in which we operate and supporting the ongoing development of the Canadian and international credit union system.

6 Products and services portfolio Choose from our industry-leading suite of products and services that are designed to meet your needs and the needs of your members at every stage of their lives. FOR CREDIT UNION MEMBERS Credit Insurance Single Premium Life, Disability and Critical Illness Monthly Premium Life, Disability and Critical Illness Group Mortgage Protection Life (Riders: Disability, Loss of Employment, Critical Illness) Credit Card Balance Protection Lender Pay Lines (Loans and Savings Insurance) Member Term Life Individual Life Insurance Accidental Injury Hospital Cash Plan Accidental Death Final Needs Term Life (Direct Term One, Term 10, Term 20, Term 100) Universal Life Critical Care Auto Insurance Liability Accident Benefits Collision and Comprehensive

7 Home Insurance with Identity Theft Coverage Homeowners Tenants Condominiums Travel Insurance Annual Per Trip FOR CREDIT UNIONS Credit Union Bonding Program Fidelity Bond Professional Liability Directors and Officers Liability Credit Union Property and Casualty Property and Liability Insurance (including Catastrophic Loss, Financial Indemnity) Security Interest in Loans, Mortgages Employee Benefits Health, Dental and Vision Care Life Insurance and Disability Retirement Services Defined Contribution Pension Plans Defined Benefit Plans Deferred Profit Sharing Plans Group Registered Retirement Savings Plans Supplemental Employee Retirement Plans Deferred Salary Leave Plans Group Tax-Free Savings Accounts Relationship Services Client Service Centre Multi-Channel Access Claims and Underwriting Administration Onsite and Online Credit Union Training and Coaching Loss Prevention Tools and Training Tele-Underwriting Sales Performance Reporting Fraud and Robbery Prevention Programs Comprehensive Risk Management Services

8 About us The CUMIS Group Limited (CUMIS) creates financial security for Canadians and promotes the growth and success of credit unions and caisses populaires in Canada. Our strong foundation is built on a group of companies that include CUMIS Life Insurance Company and CUMIS General Insurance Company, as well as a 50 per cent interest in Credential Financial Inc. We are jointly owned by Co-operators Life Insurance Company and Central 1 Credit Union. We offer an industry-leading suite of insurance-related products and services built on 75 years of experience in the credit union system and we are proud to have been named among the Best Employers in Canada and the Greater Toronto area*. Contact your CUMIS Relationship Manager to learn more about how we can help you achieve your goals. The CUMIS Group Limited / P.O. Box 5065 / Burlington, ON L7R 4C / CUMIS is a registered trademark of CUMIS Insurance Society, Inc. and is used under licence. *Based on Queen s Business School and Toronto Star reports in 2012.