M C E L H O E S & D U F F Y I N S U R A N C E B R O K E R S

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1 M C E L H O E S & D U F F Y I N S U R A N C E B R O K E R S Newsletter Volume 1, Issue 1 Insurance Update One-piece driver s licence and new, multi-year renewals now available to Manitobans: Manitoba Public Insurance Inside this issue: Types of Insurance 2 M&D History 2 Insurance Programs 3 Vancouver Mission Statement 4 Driver Safety Rating 5 Special points of interest: A new higher tech one -part driver s licence new head office will be located at Unit 1, 604 St. Mary's Road. Instead of five merits, Manitobans will be able to earn up to 15 merits for safe driving A new higher tech one-part driver s licence and new, multi-year Autopac renewal system are now available for Manitobans, Manitoba Public Insurance President/CEO Marilyn McLaren announced today. The one-piece driver s licence will improve customer service by eliminating the current two-part licence, bringing Manitoba in line with other North American jurisdictions, said McLaren. This new durable licence card will be made of sophisticated tamper-proof material and will comply with the standards set out in the Canadian Driver s Licence Agreement. Starting today, Manitobans who apply for or renew a drivers licence will receive Manitoba s new one-piece driver s licence. Those Manitobans who wish to obtain the new, one-piece licence before their renewal date can make a special application and pay a $10 replacement fee. All Manitoba drivers will be fully converted to the new, one-piece drivers licence by Feb. 28, 2011, explained McLaren. Multi-year renewal The new, multi-year renewal program will mean that drivers and vehicle owners will be required to visit their Autopac agent only once every five years, unless they want to make a change to their policy. The new multi-year system was implemented after customer surveys reported that the majority of Autopac customers 80 per cent made no changes to their policy. As of November 2, 2009 our new head office is located at Unit 1, 604 St. Mary's Road. It's the Old St. Vital Civic Office Building next to the Fire Hall. Visitors Our new, multi-year renewal process will make it more convenient for customers to renew, said McLaren. With vehicle insurance, drivers licence and identification cards in effect for up to five years, customers will only need to renew in person once every five years, instead of having to make a yearly visit to an Autopac agent or MPI Service Centre. Customers will still pay for their licence and insurance annually. However, in the years in between renewals, customers will have additional payment options such as online payments for added convenience. In order to stagger renewals over a five year period, not all customers will be placed on a five year renewal cycle when they transition to multi-year renewals. Instead most customers policies and drivers licenses will expire on their existing licence photo card expiry date. With documents initially expiring anywhere from one to five years, it will take four years until everyone is on the full, five year renewal cycle, explained McLaren. In their renewal year, customers will need to attend their Autopac agent to renew their driver s licence, policies, and identification cards. In between renewal years customers will continue to be insured by simply making a payment or allowing their financing to continue. For customer convenience E-payments and telephone banking will be available in between renewals. The validation stickers on plates will change due to multi-year renewals. The day sticker will be replaced by a month We Have Moved parking is by the back door or you can park on St. Marys Rd. till 3:30 pm. Entrance to the rear parking lot can also be done off Major Dr. sticker and will be placed on the lower left side of the plate. The month/year sticker will be replaced with a year sticker and will be placed on the lower right side. The new validation stickers will be good for up to five years and will be replaced every five years at renewal. If Manitobans have any questions, regarding the new one-piece drivers licence, enhanced drivers licence or multi-year renewal system, they are encouraged to visit their Autopac agent. Enhanced Drivers Licence Manitoba drivers will also have the option of obtaining a new enhanced drivers licence, which is a photo identification card that denotes identity and citizenship, effective today. The new enhanced drivers licence which can be used instead of a passport meets entry requirements for travelling to the U.S. (by land and water only). Those cardholders wishing to exchange their enhanced identification card for an enhanced drivers licence can do so at no extra charge upon their first renewal date, upon presentation of their enhanced identification card and drivers licence. For those licence holders who don t have an enhanced identification card, but want an enhanced drivers licence, they can do so at an additional charge of $30, said McLaren.

2 Insurance Update Volume 1, Issue 1 Page 2 Types of Insurance Offered Home Insurance We offer various types of insurance to protect you and your family, including: Home insurance Home or cottage, condo or tenant, we carry the insurance that is right for your needs. Auto Insurance We are pleased to offer MPI Auto Insurance for all of your vehicle needs. Business Insurance McElhoes & Duffy offers the most comprehensive coverage for all your Business Insurance needs. Farm Insurance We can customize an Insurance Package for your Dairy, Hog & Poultry Farm. We also look after Beef & Grain operations. Boat Insurance On or off the water, look to us to insure all your Watercraft needs are met. Travel Insurance Planning a trip? We can help make sure that you will be safe. Medical Coverage We offer a variety of Blue Cross programs. Contract Bonding Guarantee a variety of construction work obligations, from the bid phase, to the construction work, all the way through to the maintenance period. A Brief History of McElhoes & Duffy Over the years the firm has expanded to include complete insurance services for your Home, Auto, and Business. J.A. Duffy started the operation of Duffy's Insurance in He was joined by W.S. (Mac) McElhoes in 1951 and the name was changed to McElhoes and Duffy Insurance Agency and St.Vital Realty to reflect the new partnerships. J.R. (Ron) Corrigal, the son in law of Mac McElhoes came into the business in 1955 after 5 years working with Norwich Union and General Accident. In 1969 McElhoes retired from real estate and Ron Corrigal purchased the shares and became sole owner and president. In 1971, the firm was incorporated in the name of Corrigal Enterprises Ltd. and operated publicly as McElhoes and Duffy Insurance Agency. Gerry Corrigal, eldest son of Ron Corrigal joined the firm in The Real Estate division was wound down in 1981 allowing the firm to concentrate on providing their customers with complete insurance services. Steve Corrigal, youngest son of Ron Corrigal and current President, joined the firm in 1983 making McElhoes & Duffy a truly family run business. Over the years the firm has expanded to include complete insurance services for your Home, Auto, and Business. It is with pride we say our firm has one of the most automated offices in the insurance brokerage field and we are continuing to explore new methods through which we can offer our clients even better service. Stability is foremost in todays somewhat transient society and after serving the public for 80 years and three generations, we have no hesitation in saying "We're Here To Stay".

3 Insurance Update Volume 1, Issue 1 We offer various Insurance programs to protect your Business Insurance Assets & Liabilities Page 3 Restaurant/ Lounge/ Industry We are members of the Manitoba Restaurant & Food Service Association and have developed a specialized program called the ( restaurateur ) General Insurance Program tailored to this industry. The program offers the most comprehensive insurance protection in Manitoba, as well as extremely competitive rates. Auto Trades Industry We are members of the Auto Trades Association and have developed a specialized program called the Technician General Insurance Program. This program is designed for Auto Body & Repair Shops and offers the most comprehensive insurance protection in Manitoba, as well as extremely competitive rates. Food Processors Industry We are members of the Manitoba Food Processors Association and have developed a specialized program called Food Processors Solutions. Construction Industry We are members of the Heavy Equipment & Trucking Association and we have developed a specialized program called Contractors Solutions. We also specialize in contract bonding and have an on-line bid bonding service that allows our customers to access & request bid bonds electronically. Trucking Industry We are affiliated with the Safety Group and specialize in writing truck fleet insurance in Manitoba, Alberta, Ontario and the Maritimes. We can help you manage your fleet insurance costs. Generally we have found there are many inefficiencies in your Fleet program and even if you stay with MPI, we have processes in place that can save you between 10-20% off your insurance program. We call this program Trucking Solutions. Hair & Stylist Industry We offer a specialized program called the Salon Select program tailored to this industry. The program offers the most comprehensive insurance protection in Manitoba, as well as extremely competitive rates. Other General Commercial Businesses For all other types of commercial businesses we can tailor an insurance program to meet your companies special requirements. We can offer the most comprehensive and cost affective program for your business. we can tailor an insurance program to meet your companies special requirements THE CROSBY SHOW AS CANADA BEAT USA FOR GOLD VANCOUVER 2010 Superstar Sidney Crosby pots the game winner in overtime as Canada won the Olympic Gold Medal, beating the United States 3-2 to become the first host nation to capture men's hockey gold in 30 years. Crosby got the winning goal 7:40 into overtime, receiving a pass from Jarome Iginla of the Calgary Flames and sliding a shot under the pads of US goaltender Ryan Miller of the Buffalo Sabers. "It doesn't even feel real. It feels like a dream," said Crosby as Canada clinched a rec- ord eighth Olympic men's hockey gold with their win in Vancouver. "Our team worked really hard in regulation time and they got that one by us in the end. But we came out in overtime and this is just an unbelievable feeling." Said Sydney Crosby as he reflected on the Gold Medal Game.

4 M C E L H O E S & D U F F Y I N S U R A N C E B R O K E R S Unit 1, 604 St. Mary s Rd. Winnipeg, MB R2M 3L5 Phone: (204) Fax: (204) Toll Free : Keeping In Touch 2010 We re on the Web! The mission of McElhoes & Duffy Insurance Brokers is to build long term relationships with our staff, customers, and the community we live in. We are committed to providing our clients with quality, innovative, and unique insurance products with value-added service in an effective, competitive, and professional manner. Vision The vision of McElhoes & Duffy Insurance Brokers is to become a dynamic and respected insurance Brokerage that is responsive to the insurance requirements of our clients. Mission Statement We Believe In Quality. We must attract and retain clients who share our commitment to integrity and who represent a mutually profitable relationship over the long term. We Believe In Our People. Our employees are the key to our success. Their enthusiasm and commitment to McElhoes & Duffy Insurance Brokers enables us to stay at the forefront of our industry and meet the challenges of the future. Innovation, creativity, and initiative are encouraged and rewarded. We expect our employees to strive for continuous improvement. We Value Our Relationships With Our Customers, and Insurance Suppliers. We strive to be friendly, courteous, professional, and treat each other with respect. We are continually refining good communication skills. We maintain a positive, pro active, attitude and make business decisions based on facts, not assumptions, and will accept responsibility for our own mistakes. We Will Continually Assess New Business Opportunities. We will focus on those opportunities that fit within the broad business strategies of our firm. Children love to help cook, but please don t leave them unattended with something cooking on the stove. Tip of The Day Values McElhoes & Duffy Insurance Brokers business principles can be summed up in the following. We Believe In The Interests Of Our Clients. To them, we must provide the highest quality, advice, service, and products. Only in this way can we build trusting relationships which is the foundation of our business. We Believe That Our Reputation Is Our Most Important Asset. We must lead our industry in setting the highest ethical standards. We understand that Utmost Good Faith forms the foundation of our business. We know that personal reputation and the reputation of McElhoes & Duffy Insurance Brokers are often indivisible. We Stress Teamwork. McElhoes & Duffy Insurance Brokers will maintain and encourage the traditional partnership and teamwork concept. We understand that we cannot be all things to all people. We must ensure our principle business strategies complement our strong core business. We specialize in areas that we know Best. We will maintain leadership in this integrated group of core business -Automobile Insurance -Residential Insurance -Commercial Insurance We Understand That McElhoes & Duffy Insurance Brokers Must Be Consistently Profitable. In order to provide the highest quality client service and to attract and retain the best people, McElhoes & Duffy Insurance Brokers must achieve a return on equity commiserate with the risks of our business.

5 M&D A new program for setting driver s licences and vehicle premiums that will save Manitobans nearly $1 million in driver premiums will come into effect March 1, 2010 announced Manitoba Public Insurance s CEO and President Marilyn McLaren. The new Driver Safety Rating will bring about greater savings for safe drivers, which is an added financial incentive to drive safely, said McLaren. It s also Manitobans will save up to 30 per cent on vehicle insurance premiums. The majority of Manitobans are good drivers, said McLaren. Under the new program 93 per cent of all Manitoba drivers will pay the same or less for their Autopac. The DSR has a number of built-in incentives for Manitobans to drive safely: Instead of five merits, Manitobans will be able to earn up to 15 merits for safe driving Those with a record of safe driving will earn one merit for every year of driving with no at-fault collisions or traffic convictions. Under the current system it takes two years of safe driving to earn one merit With more merit levels, it will be possible for a driver to have more than one at-fault crash and still receive a discount. Subject to Public Utilities Board approval, very safe drivers could earn even better discounts after reaching the highest point on the scale More merits and greater savings for safe drivers under new Driver Safety Rating program Manitoba Public Insurance customer research supports this approach. In surveys, 95 per cent of good drivers and 84 per cent of average drivers stated it was important or extremely important to consider a person s driving history when determining the individual s insurance rates. Under the new program, drivers will receive the same, or even a larger discount, on their Autopac premium that they had under the old system, said McLaren. Where you re placed on the new scale will depend on how many merits you have, combined with your accumulated years of claims free driving. Example #1: A driver who has five merits and the past 15 or more years of driving with no at-fault accidents or traffic convictions will be assigned to the highest DSR level of 15. This driver will receive a $30 discount on their driver s licence premium, in addition to a 25 per cent discount off their Autopac premium. Example #2: A driver with five merits and the past five years of driving with no at-fault accidents or traffic convictions will be assigned at DSR level 10. This driver will receive a $25 discount on their driver s licence premium, in addition to a 25 per cent discount off their Autopac premium. New program easier to understand Currently, there are four separate programs that determine a driver s vehicle and licence premiums: two surcharge programs for licences (one for convictions and one for collisions), a merit/demerit program for driver s licences and a different merit discount program for Autopac premiums. These programs each have their own sets of rules. McLaren says few Manitobans understand how all of these individual programs work. That limits the system s effectiveness and makes it harder to see that safe driving can save money, while higher-risk driving can lead to higher costs, she says. Sometimes, drivers don t realize where they re headed until these costs become unmanageable. The new DSR program will merge these individual programs and rules into one consistent cohesive program that s easier to understand. Until recently, it wasn t practical to combine all of these different programs, as some of them were administered by Manitoba Public Insurance, while others were overseen by the Department of Transportation. That changed in 2004, when the operations of Driver and Vehicle Licensing were merged into Manitoba Public Insurance. Since then the Corporation has been harmonizing its processes for driver licensing and auto insurance. Now, the Corporation has a more complete set of data and can apply rules consistently across all programs. To learn more about the new DSR, Manitobans can talk to their Autopac agent, or call Manitoba Public Insurance at , or (toll free). Manitobans can also learn more about the new program by going to the DSR Rate Calculator found at Be a Part of our Referral Program & You Can Win The Grand Prize Have them call us and mention your Name. You automatically enter to Win p PLASMA HDTV Tell A Friend Plus every time you refer someone to our Brokerage for Commercial or Residential insurance (Autopac excluded), your name is entered into a draw for monthly and annual prizes. You could receive one of the following items with every referral draw: Tim Hortons Gift Card, Free Lottery Ticket, Restaurant Certificate, Donation to Charity and The Grand Prize.

6 Old St. Vital Biz The B.I.Z. is essentially an association of business people, within a defined commercial/residential area, who join together to promote their collective interests. The basis of these collective interests stem from sharing a common geographical location, promoting a healthy business environment, and directing positive change in the community where necessary. Currently, there are fifteen (15) B.I.Z. groups operating in the City of Winnipeg. A management board elected by the membership, directs each B.I.Z. This Management Board prepares an Annual Program, Budget, and Zone Levy rate for the B.I.Z. which requires the approval of the B.I.Z. membership at its Annual General Meeting (AGM). Subsequently, this package is forwarded to City Council for its approval. The City then collects the Zone Levy as part of the regular business tax and returns the Zone Levy portion to the B.I.Z. to be spent in accordance with the approved program. A B.I.Z. offers clear advantages for the business community. It serves as a vehicle for business people to work cooperatively toward developing a more attractive physical environment in which to conduct successful business and to keep our respective communities from deteriorating. Old St Vital BIZ meetings are held every third Thursday of each month at the Biz office at 604 St. Mary's Rd. If you are a business in the zone area you are most welcome to attend, the coffee is always hot! If you have any questions or require assistance from us, please do not hesitate to call our office at