Countdown2004!CIAA Mission: To boldly go where no

professional development has gone before

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4 1 S T A N N U A L C I A A C O N F E R E N C ESeptember 19-22, 2004 at the Westin Nova Scotian, Halifax

www.ciaa.org

Welcome to Halifax and to Countdown 2004 –the CIAA’s 41st Annual conference.

When we started planning this conference way back inOctober 2003 I had high expectations of what wecould offer members. I’ll be candid – the conference hassurpassed what I was hoping for and I have mycommittee members to thank.

Everyone went full throttle and we’ve ended up with agreat program, the best ever sponsorship participationand excellent registration numbers. Special thanks to Karen Byrne, Geoff Shields, Annette Pohle, SandraTaylor, Catherine Fleming and Pat Ristich.

Our keynote speaker is Dr. Roberta Bondar, a trueCanadian hero who has excelled in so many fields. She’llshare her observations with us in her talk – PersonalFulfillment through Growth, Change and Challenge.

On a personal aside I want to say this is a qualityassociation with much to offer members. I’m proud tohave chaired this Halifax event and urge you to get involved in your Association – it’s rewarding and fun to help shape the directionof the Association.

I pass the conference over toyou – enjoy and learn.

Glenn Taylor, Conference Director,

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YOUR 2004 CONFERENCE DIRECTOR

YOUR 2004 CONFERENCE COMMITTEE

Conference Director • Glenn Taylor, Allstate Canada Group

Business Program • Karen Byrne, Peel Mutual Insurance Company• Wendy Mills, The Dominion of Canada • Rene St. Cyr, Royal Bank of Canada• Jeff Howell, Bay of Quinte Mutual Insurance Company• Tom Burrow, Legg Mason Canada• Chris Johnstone, Royal Bank of Canada

Sponsors • Geoff Shields, Chubb Insurance Company of Canada• Nick Hinton, Marsh Canada• Antonietta Montisano, Royal & SunAlliance Insurance Company• Christine Davis, CUMIS General Insurance Company

Social Program • Annette Pohle, PricewaterhouseCoopers LLP• Rick Keeler, Temple Insurance• Dave Paterson, Ayr Farmers’ Mutual Insurance Company

Registration • Sandra Taylor, Ontario School Boards Insurance Exchange• Alec Harmer, Tradition Mutual Ins. Co.• Lori Harmer, Tradition Mutual Ins. Co.• Patti Welsh, Bay of Quinte Mutual Insurance Company

Communications & Publicity • Pat Ristich and Michelle Ramsay, R-squared communications inc.

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SUNDAY, SEPT. 19, 20044:00 pm - 6:00 pm Registration (Conference level – 2nd floor)6:00 pm - 7:00 pm M Cocktail Reception7:00 pm - 11:00 pm A Dinner, Kilted Ceilidh and SonS of Maxwell

MONDAY, SEPT. 20, 20047:00 am - 8:30 am A Breakfast8:00 am - 8:20 am AB Optional Workshop – Longview Solutions8:30 am - 8:40 am AB Welcome – Glenn Taylor, conference director8:40 am - 10:10 am AB Keynote Speaker – Dr. Roberta Bondar

10:10 am - 10:30 am M Coffee Break10:30 am - 11:15 am AB Economies of Enthusiasm11:15 am - 12:00 pm AB Tax Update12:00 pm - 1:30 pm A Lunch and CIAA Annual General Meeting1:30 pm - 3:00 pm AB CEO Panel – Part 1 3:00 pm - 3:20 pm M Coffee Break3:20 pm - 4:30 pm AB CEO Panel – Part 2

5:00 pm sharp! - 10:30 pm meet in L Harbour Cocktail Cruise, Pier 21 dinner and Gordon Stobbe Band

TUESDAY, SEPT. 21, 20047:00 am - 8:30 am A Breakfast8:00 am - 8:20 pm AB Optional Workshop – MSA Research Inc.8:30 am - 9:30 am AB Economic Outlook9:30 am - 10:40 am AB Dueling CFOs – Round 1

10:40 am - 11:00 am M Coffee Break11:00 am - 12:00 pm AB Dueling CFOs – Round 2 12:00 pm - 1:00 pm A Lunch 1:10 pm - 5:00 pm meet in A Networking activities (Amazing Race)1:15 pm - 5:00 pm meet in L Networking activities (Golf/City Tour)6:00 pm - 1:00 am VIA Cocktails, Dinner and The Mellotones & Big Fish

WEDNESDAY, SEPT. 22, 20047:00 am - 8:30 am A Breakfast8:30 am - 9:15 am AB Automobile Insurance Across Canada9:15 am - 10:30 am AB Corporate Governance

10:30 am - 10:50 am M Coffee Break10:50 am - 12:20 pm AB You Can’t be Serious! Putting Humour to Work12:30 pm - 1:30 pm A Lunch/departure

YOUR 2004 CONFERENCE AT A GLANCE

Countdown 2004!xA Commonwealth A (Westin)

AB Atlantic Ballroom (Westin)L Lobby (Westin)

M Mezzanine (Westin)VIA VIA Train Station

MONDAY, SEPTEMBER 20, 2004

8:00 am to 8:20 am Optional WorkshopJohn Power, Vice President, Canadian Operations, Longview Solutions

Longview Solutions will discuss how Corporate Performance Management software enables leadingcompanies to drive performance with speed, visibility, and financial integrity. We will provide an overviewof how our solution provides a single repository of financial truth from which statutory consolidation,management reporting, planning, modeling, analysis, budgeting, forecasting, and strategic tax can beperformed quickly and accurately, enterprise-wide.

8:30 am to 8:40 am Welcome from Glenn Taylor, 2004 conference director

8:40 am to 10:10 am Personal Fulfillment through Growth, Change and Challenge

Keynote Speaker - Dr. Roberta BondarIntroduced by Pat Ristich, R-squared communications

Come and hear our keynote speaker Dr. Roberta Bondar – Canada’s first womanastronaut who flew on the space shuttle Discovery in 1992. An accomplished physician, scientist and photographer, Dr. Bondar shares her personal journey. Non-delegatesare also invited to join this session. Dr. Bondar will be autographing books as well.

10:10 am to 10:30 am Coffee Break

10:30 am to 11:15 am Economies of Enthusiasm

Mark Tonnesen, Vice Chairman and CFO, RBC InsuranceIntroduced by Rene St. Cyr, RBC

Mark will discuss the ‘Economies of Enthusiasm’ a term he coined 20 years ago. Focusing on the organizationalcontributors and detractors to individual enthusiasm, the talk will cover the economies of scale, the need forobjectives, values and a mission ‘To make the world a better place to be’. The role that accounting and auditingcan play in managing this important corporate asset will be discussed.

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11:15 am to noon Tax Update

Nunzio Tedesco, Partner, KPMG LLP, Insurance Industry PracticeDave Schlesinger, Partner, KPMG LLP, Sales and Local Tax PracticeIntroduced by Tom Burrow, Legg Mason Canada

Join two industry veterans as they review tax developments over the past year, including changes to GST forthe insurance industry.

12:00 pm to 1:30 pm Lunch and CIAA Annual General Meeting

1:30 pm to 3:00 pm CEO Panel – Part 1

Robert Landry, President & CEO, Zurich North America CanadaDiane Strashok, President & CEO, Peace Hills InsuranceBob Tisdale, President & COO, Pembridge Insurance CompanyModerated by Dave Thomson, KPMGIntroduced by Karen Byrne, Peel Mutual Insurance Company

We’ve enlisted these CEOs to form our ever-popular CEO panel to provide insights on key issues facing theproperty and casualty insurance industry. Our panel will provide candid opinions on issues such as …

• Getting the Pricing Right for Commercial Customers

• The Insurance Cycle – will we ever learn?

• Regulation and its Impact on the Marketplace

• Personal Lines – a perspective on the future

• Repairing the Industry’s Damaged Image - what do customers really want?

• Socialized Pricing of Young Drivers – its impact on the Alberta market

3:00 pm to 3:20 pm Coffee Break

3:20 pm to 4:30 pm CEO Panel – Part 2

At the conclusion of the panel discussion there will be time for the panel members to entertain your questions.

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TUESDAY, SEPTEMBER 21, 2004

8:00 am to 8:20 pm Optional Workshop – Joel Baker, President, MSA Research Inc.

Market-Security Analysis & Research Inc. (MSA) was founded in 2004 and is a Canadian-owned, analyticalresearch firm focused on the Canadian insurance industry. MSA’s mission is to provide Canada’s insuranceprofessionals with comprehensive financial information, analytical tools and rigorous research. Join Joel for anoverview of what MSA Research can offer your organization.

8:30 am to 9:30 am Economic Outlook

Craig Wright, Vice President & Chief Economist, RBCFGIntroduced by Rene St. Cyr, RBC

Economic Outlook – always an engaging topic. We will examine where the North American economy isheaded, as well as prospects for various markets around the world.

9:30 am to 10:40 am Dueling CFOs – Round 1

Sharon Ludlow, Vice President, Finance & Administration, Liberty International Underwriters CanadaGeoff Shields, Senior Vice President and Chief Financial Officer, Chubb Insurance Company of Canada“Referee” Doug Hogan, Vice President and CFO, The Dominion of CanadaIntroduced by Jeff Howell, Bay of Quinte Mutual Insurance Company

CFOs rule this session that promises to cover a lot of territory. We’ll look at “safe” topics such as InternationalAccounting Standards, and Accounting developments. But we’ll also prompt the CFOs on more contentiousmatters: Where are we headed with efficiencies? Does outsourcing work in the financial area and what is being outsourced? What should a CFO do vs. what is being done? How does a CFO add strategic value?

10:40 am to 11:00 am Coffee Break

11:00 am to noon Dueling CFOs – Round 2

The fun continues. Be sure to join us for the Dueling CFOs and see if they agree on anything. As always,we open the floor to questions so be prepared to join in and be heard.

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WEDNESDAY, SEPTEMBER 22, 2004

8:30 am to 9:15 am Automobile Insurance Across Canada

Grant Kelly, Director, Policy Development & Assistant Chief Economist, Insurance Bureau of CanadaIntroduced by Tom Burrow, Legg Mason Canada

This session will review the changing regulatory environment of the automobile insurance industry acrossthe country.

9:15 am to 10:30 am Corporate Governance

Tom Kornya, Partner, Ernst & Young LLPIntroduced by Geoff Shields, Chubb Insurance Company of Canada

We’ll hear about corporate governance and the role of the director. The session will address audit committees,Sarbanes-Oxley and internal control certification.

10:30 am to 10:50 am Coffee Break

10:50 am to 12:20 pm You Can’t be Serious! Putting Humour to Work

Michael Kerr, author and humoristIntroduced by Karen Byrne, Peel Mutual Insurance Company

Michael is one of Canada’s leading authorities on the vital role that humor, heart andpassion play in today’s changing work environment. Michael will provide insights that can immediately be put to use to combat stress, build stronger teams, spark creativethinking skills and improve workplace morale. Non-delegates are also invited tojoin this session

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SUNDAY EVENING, SEPTEMBER 19, 2004Scottish Night at the Westin Hotel

6:00 pm - 7:00 pm Cocktail Reception

7:00 pm - 11:00 pm Dinner and Entertainment

A Town Crier welcomes you to the CIAA kick-off event.

During dessert there will be a Kilted Ceilidh “a marvelous event which captures theflavour and occasion of Scotland of Olde” (bagpiper, highland dancing and a warmNew Scotland welcome). You’ll be entertained with a brief light-hearted talk on theScottish history of Nova Scotia that touches on the pride and culture behind the Kilts.

Evening entertainment - SonS of Maxwell

MONDAY EVENING, SEPTEMBER 20, 2004

Maritime DreamsMeet at 5 pm sharp! or you’ll miss the boat!

Reception aboard the Harbour Queen – a Mississippi style sternwheeler – providing a Halifax Harbour tour.We’ll take a leisurely one hour boat tour to see the beauty of the Halifax skyline. We’ll be back for dinner atPier 21, the site of Immigration Services which processed millions of new Canadians from 1928 to 1971.

We’ll also have the Order of the Sou’Wester, a Maritime fisherman style welcome to Nova Scotia. Dinner with be The Ultimate Lobster Supper and the evening entertainment is provided by the Gordon Stobbe Band.The evening winds up at 10:30 pm.

TUESDAY EVENING, SEPT. 21, 2004

Mardi Gras – Halifax Style at the VIA train station 6:00 pm - 7:00 pm Cocktail Reception

7:00 pm - 9:00 pm Dinner

9:00 pm - 1:00 am Entertainment

You don’t have to travel to New Orleans to experience Mardi Gras. This evening willbe at the VIA Rail Station, which will be decorated in carnival and circus atmospheretypical of Mardi Gras. Entertainment includes a professional fool, cartoonist, magicianand palm reader. Dance to the sounds of two bands, The Mellotones and Big Fish.

YOUR 2004 SOCIAL PROGRAM

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YOUR TUESDAY AFTERNOON NETWORKING ACTIVITIES

The Amazing Race – CIAA style

Meet in Commonwealth A at 1:00 pm where you’ll be put in teams.

A hysterical Halifax walking rally/scavenger hunt – fun and educational way to tour downtown Halifax.

Race will end at the Alexander Keith’s Brewery (where else?) where we’ll visit the Stag’s Head Tavernto enjoy a taste of Keith’s famous brew. The race concludes at 5:00 pm.

Halifax City Tour

Meet in the lobby at 1:15 pm. We’ll return at 5:00 pm.

Get your cameras loaded for a three-hour city tour. Your coach comes complete with kilted driver. They’ll take you around to all the sites that make Halifax such a popular destination. Visit the Halifax Citadel NationalHistoric Park, the Old Town Clock and the Titanic Grave Site, just to name a few stops.

Golf

You should have your tee times by now. If not, contact Rene St. Cyr, our golf organizer.

Lost Creek Golf Club and Village is an exciting golf course spread over 1,000 acres of wilderness just 20 minutes from Halifax. Box lunch provided. Pick up in the lobby.

MONDAY, SEPTEMBER 20

Meet in lobby at 10:15 am.

Full day Lunenburg Tour - recently named a UNESCO World Heritage Site by theUnited Nations, Lunenburg is commonly known as “the prettiest town in Canada.”

TUESDAY MORNING, SEPTEMBER 21

Meet in lobby at 9:45 am.

Amphibious Adventure - From downtown Halifax tour aboard the ‘HarbourHopper.’ What better way to see the famous harbour than from this versatile vehiclethat goes on land and in the water?

Please note: All non-delegates are invited to attend Dr. Bondar’s and Michael Kerr’s session.

COMPANION PROGRAM

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YOUR CONFERENCE SPEAKERS

Doug Hogan, Vice-President and Chief Financial OfficerThe Dominion of Canada General Insurance Company

Doug joined The Dominion of Canada General Insurance Company in 1992 after spendingfive years in public accounting with Price Waterhouse. He was appointed to his currentposition in 1997.

A long-time member of Insurance Bureau of Canada financial committees, Doug is alsoactive in the Canadian Institute of Chartered Accountants’ Task Force, which is monitoringthe Insurance Project of the International Accounting Standards Board.

Doug holds a Bachelor of Commerce from the University of Toronto and obtained his C.A. designation in 1989.

Joel Baker, PresidentMSA Research Inc.

Market-Security Analysis & Research Inc. (MSA) was founded in 2004 and is a Canadian-owned, analytical research firm focused on the Canadian insurance industry. MSA’s missionis to provide Canada’s insurance professionals with comprehensive financial information,analytical tools and rigorous research.

Joel has extensive experience in the analysis of insurers, having followed the Canadian p & c and life/health industries for over eleven years. He also maintains a keen understanding

of U.S. and global insurance and reinsurance dynamics. Prior to launching MSA Research, Joel served as GeneralManager of A.M. Best’s Canadian office, and before that, as General Manager of TRAC Insurance Services Ltd.

Joel is a Chartered Insurance Professional, holds an M.Sc. (1991) and a B.Sc. (1989). Joel is a Level III candidate inthe CFA program and is a member of The CFA Institute, The Toronto Society of Financial Analysts, The InsuranceInstitute of Canada and the Canadian Insurance Accountants Association.

Grant Kelly, Director, Policy Development and Assistant Chief EconomistInsurance Bureau of Canada

Grant began working in IBC’s Policy Development department in 1994. He has beeninvolved in a wide range of issues, including bank retailing of insurance products, reducingthe impact of natural disasters on Canadian communities, financial reporting, tax, insuranceavailability and auto insurance reform across Canada.

He helped create the Institute for Catastrophic Loss Reduction, including tripling the industry’sfunding by securing partnerships with the Ontario Government and the University of Western

Ontario. Grant’s current responsibilities at IBC include developing a co-ordinated framework to support auto reformefforts across the country. He also acts as Secretary of the Financial Affairs Committee.

Grant holds a graduate degree in Economics from Wilfrid Laurier University and is a Chartered Financial Analyst(CFA). In September 2004, he received the Certified Management Accountant (CMA) designation. Grant lives inGeorgetown with his wife and two sons.

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Thomas J. Kornya, Partner, Assurance and Advisory Business Services Group

Ernst & Young LLP

Thomas is the Global Co-ordinating Partner for one of the firm’s largest global financialservices clients and one of Canada’s largest public companies. Prior to rejoining Ernst &Young in 1998, Thomas was involved in venture capital/investing activities.

Thomas is a Member of the Guiding Leadership Coalition in Canada, a group of 30 Canadianmembers which was established to drive a leadership culture within his firm, EntrepreneurOf The Year Program leader for the Financial Services Industry, Canadian representative on E&Y’s Global FinancialServices Knowledge Network Committee and Lead Partner for Recruiting for the University of Western Ontario

He holds a Bachelor of Arts (economics), University of Western Ontario and is a Chartered Accountant, Institute ofthe Chartered Accountants of Ontario.

Robert Landry, President & Chief Executive OfficerZurich North America Canada

Robert Landry serves as President and Chief Executive Officer of Zurich’s Canadian operations.

Robert joined Zurich in 1971 as a claims adjuster and eventually held the position ofbranch manager for the London, Ontario, office. His senior management positions includethat of Zurich Canada’s senior vice president for field operations and President of the company’s Personal Financial Solutions division. He was appointed to his current positionon January 1, 2002.

Robert is a Fellow Chartered Insurance Professional (FCIP).

Sharon M. Ludlow, Vice President, Finance & AdministrationLiberty International Underwriters Canada

Sharon has worked in the life and property and casualty insurance industries for more than10 years, primarily in the finance area. She is responsible for the financial, tax andregulatory compliance at Liberty, a commercial property and casualty insurer for corporateCanada. She is also responsible for financial, tax and regulatory compliance for the Libertygroup in Canada. In her previous experience, she played a key role in the demutualizationof a major life insurance company and launched a consumers’ on-line insurance quotationservice company.

Sharon graduated from the University of Toronto, with a Bachelor of Commerce and earned her CA designation in1992. She also holds an FLMI designation. Sharon has actively volunteered for Junior Achievement of Canada and has held Treasurer and President and Chair of the Board positions for Life-Bridge Childcare Centre and VON.

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John Power, Vice President, Canadian OperationsLongview Solutions

John is responsible for Longview’s Canadian business operations, including its current customer base and newbusiness development.

Prior to joining Longview, John was the Director of Strategic Technology Planning for Southam Inc. He also hadleadership roles with Andersen Consulting, including Manager, Financial Services Industry, and was responsible formanaging large systems integration projects in the Canadian financial services industry.

John has been a guest lecturer at the University of Waterloo and a frequent speaker at conferences. He earned aBachelor of Commerce and Finance degree from the University of Toronto. In his spare time, John is an avid runnerand holds a number of long distance running records and competes throughout North America.

David Schlesinger, PartnerKPMG

Dave has over 15 years experience in the taxation area. He is a partner, heading upKPMG’s Sales and Local Tax practice for Eastern Ontario.

Dave advises a broad range of clients on sales tax issues, with a strong focus on financialinstitutions. He has performed sales tax reviews for insurance companies and has advisedthem on many technical issues related to the GST and financial services. He has developedseveral tax planning opportunities for insurance companies and other financial institutions.

Prior to joining KPMG, Dave was a manager within the GST Policy and Legislation Directorate of Revenue Canadawhere he was responsible for GST policy for Deposit Taking Financial Institutions and Corporate Reorganizations.He was seconded to the Department of Finance to prepare papers on replacements of the GST for financialinstitutions.

Geoff Shields, Senior Vice President and Chief Financial OfficerChubb Insurance Company of Canada

Geoff joined Chubb in 1994 after obtaining his Chartered Accountant designation and gaining four years auditing experience articling with a public accounting firm. He has beenChubb Canada’s senior finance executive for nine years. During this time he has successfullyexpanded the Finance department’s breadth of responsibilities from its base in corporateaccounting to accommodate the company’s growth to a $700-million dollar corporation.

Geoff is responsible for all traditional finance functions for Chubb Canada, includingaccounting, tax, cash management, reinsurance, and planning and budgeting. He also manages other operationalareas, including actuarial and travel and facilities management, and acts as primary advisor to the CanadianBoard of Directors and its various committees.

He is a member of several industry associations, including the CIAA and the Treasury Management Association.His hobby of Barbershop singing has led to his participation on the boards and committees of many charitableorganizations.

Proud to bea CIAA sponsor

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Let Royal LePage Commercial help you realize your businessgoals through strategic real estate solutions that have apositive impact on your bottom line.

Douglas Beaudoin and his team are uniquely qualified tenantbrokers specializing in corporate facilities advisement for theinsurance industry. Their expertise includes lease renewals,restructuring projects, and office relocations and dispositionsin the GTA and throughout Canada.

Royal LePage Commercial is Canada’s leading national realestate services provider. We leverage our substantialcorporate strengths - and unsurpassed market intelligence -to deliver outstanding results to our clients.

For more information on how we help sharpen yourcompetitive edge, please contact Douglas Beaudoin at416-359-2499 or visit officeleasingsolutions.com.

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David A. Thomson, PartnerKPMG

Dave has 28 years of experience in public accounting and specializes in providing auditand business advisory services to the insurance industry.

His clients in the property and casualty industry have included publicly-traded insurancegroups with operations in Canada, the U.S. and the Caribbean, private companies andseveral Canadian branch operations of foreign P&C insurers. Dave is also experienced inreinsurance, working with U.S. and European reinsurers operating in Canada and in the lifeinsurance sector working with several companies and branch operations.

Dave has helped a P&C insurer in the process of ‘going public’ and is experienced in dealing with securities regulatorymatters. He has also completed due diligence projects, managed the liquidation of a P&C insurance company, andreviewed business plans and financial projections for many insurers. Dave also has provided advice in insurance start-ups and has assisted clients in their application to the regulators for new or extended insurance licenses.

Dave is a member of the Property and Casualty and Life Insurance Auditors’ Advisory Committees to the Office of theSuperintendent of Financial Institutions, Canada and the CIAA.

Nunzio Tedesco, PartnerInsurance Industry Tax Practice Leader, KPMG LLP Canada

Nunzio has more than 15 years of experience and has been with the Insurance IndustryPractice since 1991. He has extensive experience on issues related to both resident andnon-resident life and non-life insurance companies, including tax planning for the purchaseand sale of insurance corporations and insurance businesses, corporate reorganizationsand negotiations with tax authorities.

Nunzio has co-authored and lectured at the Life Insurance Institute of Canada course, the IBC’s Financial Affairs Symposium, at CIAA meetings, Canadian Life and Health Insurance Association and theInsurance Accounting and Systems Association. He is also the income tax advisor to the IBC’s tax panel.

Nunzio is a Chartered Accountant and holds a B.Comm from the University of Toronto.

Diane Strashok, President and CEOPeace Hills Insurance

Diane joined Peace Hills at its inception in 1982 and was appointed to her position in 1990.

Diane has held many positions on various boards and committees. Currently she is adirector of the Alberta IBC Committee, the General Insurance OmbudService, the Board ofProperty and Casualty Insurance Compensation Corporation, the Board of Governors ofGrant MacEwan College, the Insurance Institute of Canada, and a member on the AlbertaFacility Committee. In the past Diane was Chairman of the Alberta IBC Committee, aDirector of the Edmonton Police foundation and a member of the Alberta Facility Committee.

The Canadian Association of Insurance Women presented Diane with the Insurance Woman of the Year Award in 1992and in 1995 the Edmonton YWCA awarded her the Woman of Distinction in Business, Management and the Professions.

Diane enjoys skiing, golfing and weekends at the cottage with her son Jake.

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Helping bring your future into focus.

© 2004 KPMG LLP, the Canadian member firm of KPMG International, a Swiss cooperative. All rights reserved.

www.kpmg.ca

With more than 350 professionals across Canada, KPMG’sFinancial Services practice provides tailored audit, tax and advisoryservices to the banking & finance and insurance sectors. We are able to bring perspective and leading practices to our clients— providing industry–specific strategies to help them succeedin today’s complex world. For more information, please callDave Thomson at (416) 777-8593 or visit our website.

P R O U D S P O N S O R

wishes the CIAA all the best with

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xBest wishes to the CIAA on your annual conference

Bob Tisdale, President and Chief Operating OfficerPembridge Insurance Company and Pafco Insurance Company

Bob is also Vice President of Allstate Canada Group.

He joined the insurance industry in 1978 but has continued his education – CIP (1982),FCIP (1984); Certificate in Business Administration from Ryerson (1985), CRM (1989) andhis MBA from Heriot Watt University in Edinburgh, Scotland (2001).

He has been honoured by the insurance industry with the James Richardson Award and theCentennial Award. Bob is currently Vice Chair of the Facility Association; Chair of the

Facility Association Audit Committee and Deputy President of the Insurance Institute of Ontario.

Over the years he has taught insurance courses both in Canada and the U.S.. He has conducted seminars forgovernment and the hospitality industry, sharing his expertise in liquor liability. Bob has also authored several articles.

Bob and his wife, Christine have three sons, Zack, Justin and Tyler. In his leisure time, Bob enjoys golf, as well asplaying and coaching hockey.

Mark Tonnesen, Vice-Chairman and Chief Financial OfficerRBC Insurance Holdings Inc.

Mark is responsible for financial strategy, business development, marketing, mergers andacquisitions activity and investments management. Prior to this assignment, Mark wasexecutive vice-president of cards and e-business, personal and commercial banking.

Prior to joining RBC in 1997, Mark held a number of executive positions in the U.S. He joinedRoyal Bank from Banc One Corp., where he held several positions, including president ofBanc One Credit Card Services from 1990 to 1995.

Mark holds a BA from Rutgers University and a MBA from the University of Pittsburgh. Currently he is chairman ofthe Visa Canada Board and a member of the Visa International Board of Directors where he serves on the ExecutiveCommittee. He is also a member of the Board of Directors of Inovant, a payments processing company, and ofthe North American Markets Committee of Moneris Solutions, a merchant processing company he helped establish.He also serves as Chairman of Ernex Marketing Technologies Inc., a real-time marketing company.

Craig Wright, Vice President & Chief EconomistRBC Financial Group

As Chief Economist, Craig is responsible for the analysis and forecasting of macroeconomicand financial market developments in Canada, the United States and key overseaseconomies, and is a regular contributor to a number of RBC Financial Group publications.Craig is also a key player in delivering economic analysis to clients and the media throughthe Economics Department’s regular economic briefings.

A graduate of Wilfrid Laurier University and the University of Toronto, Craig joined RBCFinancial Group in 1994 after working for seven years at another major financial institution where he generatedfinancial market forecasts, regional and national macroeconomic forecasts and country risk analysis.

Craig and his wife, Susan live in Toronto with their three children, Emily, Bradley and Jacob.

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HOT TOPIC SPONSORS

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Farm Mutuals

EVENT SPONSORS

HalwellDufferin

Westminster Bay of Quinte

FRMPFarmer’s Mutual

LambtonNorth Blenheim

Peel

GrenvilleHamilton Township

OxfordHowickTradition

Ayr Farmers TrilliumHay

West Elgin

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GENERAL SPONSORS

RGBROWNCIT

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Best wishes with

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2003 Winnipeg Colleen Sexsmith CAS Accounting for Insurance Inc.

2002 Calgary Dave Thomson KPMG LLP

2001 Montreal Colleen Sexsmith CAS Accounting for Insurance Inc.

2000 Victoria Jim Abernethy Marsh Canada Limited

1999 Charlottetown Brian McAskill Marsh Canada Limited

1998 Huntsville Glenn Taylor Allstate Canada Group

1997 Montebello Mo Jansons Royal Bank of Canada

1996 St. John’s Brian Divell Aetna Casualty & Surety Co. of Canada

1995 Ottawa Marg Walker The Baloise

1994 Vancouver Peggy Helliwell Frankona Rückversicherungs- AG

1993 Kingston Mohez Remtulla Canadian Reinsurance Co.

1992 Niagara Falls Jane Gardner Continental Insurance Group

1991 Québec City Brian McAskill Sedgwick Limited

1990 St. Adele Guy Legare Compagnie d’Assurances Union Canadienne

1989 Kananaskis Stuart Kistruck Pilot Insurance Co.

1988 Halifax Peggy Helliwell NZ Re Canada Inc.

1987 Montebello Ron Bilyk Motors Insurance Corp.

1986 London Alf Schurr Royal Insurance

1985 Kitchener Norma Cooper Canadian Reinsurance Co.

1984 Sherbrooke Wilfred Callebert Mathema Inc.

1983 Ottawa Michael Bayne Gerling Global General Insurance

1982 Moncton Marion Smith Metropolitan Insurance Company

1981 Québec City Gilles Clark Le Groupe Commerce

1980 Winnipeg Ted Vanden Tillaart Scor Reinsurance Co. of Canada

1979 Ottawa David Williams David M. Williams EDP Services

1978 Québec City C.E. Couture Le Groupe Commerce

1977 London Rui Quintal Sphere Drake Canada Ltd.

1976 Gray Rocks Doug Cudmore Dale & Company

1975 Niagara Falls R. Morgan Sovereign General

1974 Québec City J. Spencer Welby Computer Services Ltd.

1973 Ottawa J.C. Martin Royal Insurance Co.

1972 L’Esterel K.D. Harding Johnston & Higgins Willis Faber Ltd.

1971 Honey Harbour V. Harris Halifax Insurance Co.

1970 Québec City H.A. Trickey Prudential Assurance Co. Ltd.

1969 Niagara Falls J. Hughes Canadian Reinsurance Co.

1968 Kingston F.D. Petrie American International Group

1967 Ottawa K.L. Hall Munich Re & Victory

1966 Mont Gabriel J. Bingham Royal Insurance Co.

1965 Brockville G. Perry Sterling Offices of Canada Ltd.

1964 Ottawa F. Di Tomasso Gold Circle Insurance Co.

PAST CONFERENCE DIRECTORS

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PARTICIPANTS

DELEGATE NAME NON-DELEGATE COMPANYAbeysinghe, Chetiya Folksamerica Reinsurance Co.Ali-Dabydeen Ernst & YoungAlldred, Paul Alldred, Pat Farmers’ Mutual Ins. CompanyAustin, Rob AIGBaker, Joel MSA Research IncBalanescu, Rodica Balanescu, John Lombard Canada LimitedBali, Ravinder Chubb InsuranceBasu, Rathin Temple InsuranceBertrand, Celine Bertrand, Alain North Waterloo Farmers Mutual Ins.Bird, David KPMGBoecker, Steve ScotiabankBourdeau, Lucien Factory Mutual Insurance CompanyBranco, Lucila CIBC Commercial BankingBrew, Alodie Pricewaterhouse CoopersBurrow, Tom Legg Mason Canada Inc.Byrne, Karen Derks, Peter Peel Mutual Insurance CompanyCalnan, Terrye Maynes, Gord Hamilton Township Mutual Ins. Co.Cash, Ashiqali AIGChan, Rebecca Royal & SunAlliance Insurance Co.Cheung, Christine Transalantic Reinsurance Co.Cheung, Michele AIGChiu, Alice CIBCCho-Chu, Larry Royal & Sun Alliance Insurance Co.Chun, Winnie AIGChuraman, Patricia Factory Mutual Insurance CompanyCoccia, Francesco IP GroupConstantinou, Peter Chubb InsuranceCoogan, Kathy Peace Hills Insurance CompanyCrookshank, Brenda Boiler Inspection and Insurance Company of CanadaDafoe, Joanne London and MidlandDavis, Christine The Cumis Group LimitedDe Bock, Debra Deloitte & Touche LLPDeJeu, Jim DeJeu, Nancy Lambton Mutual Insurance Co.Devers, Kathleen Allianz CanadaDodd, Michael The Co-operatorsEarle, Beth Fairway Insurance Services Inc.Eugene, Teer Global Aerospace Underwriting Managers Canada Ltd.Fiore, Rose Fiore, Carmine RBC Financial GroupFleming, Catherine CIAAFraser, David RBC Global Security ServicesGaudio, Claudio Royal & Sun Alliance Insurance Co.Gosine, Kaushilia Chubb InsuranceGrabarczyk, Rod Provincial Auditor SaskatchewanHaggard, Trenton Sargent, Jodie Insurance Bureau of CanadaHampel, Allan Optimum FrontierHannah, Jason Svendsen, Kristine Portage La Prairie Mutual Ins. Co.Harmer, Alec Harmer, Lori Tradition Mutual

Countdown 2004!x

DELEGATE NAME NON-DELEGATE COMPANYHarrison, Neil Deloitte & Touche LLPHaskett, Margaret Haskett, Alvin North Blenheim MutualHinton, Nicholas Marsh Canada LimitedHoang, Kham Assurant SolutionsHorne, Sherry Peace Hills Insurance CompanyHorta, Phyllis Healthcare Insurance Reciprocal of CanadaHotte, Stephen Allianz CanadaHowell, Jeffery Morrow, Jef Bay of Quinte Mutual Insurance Co.Inglis, Kimberly Ernst & Young LLPIronside, Barbara RBC InsuranceJack, Mike St. Paul Fire & MarineJohnstone, Chris Royal Bank InsuranceKazek, John Odyssey America ReKeeler, Rick Keeler, Jenn Temple InsuranceKelly, Grant IBCKimshooye, Bryan SCOR CanadaKing, Greg Healthcare Insurance Reciprocal of CanadaLalji, Nizarali SCOR CanadaLeclerc, Jean-Guy Jevco Insurance CompanyLee, Henry St. Paul GuaranteeLee, Steve Ernst & Young LLPLeighl, Mal Ernst & Young LLPLi Chee Ming, Steve Travelers CanadaLister, Dan Kings Mutual Insurance CompanyMahoney, Stephanie Royal & Sun Alliance Insurance Co.Man, Ellis AIGMarkus, Laurie Goldhar, Sara Deloitte & Touche LLPMarques, Roger Marques, Pamela Boiler Inspection and Insurance Company of CanadaMartin, Terri Deloitte & Touche LLPMather, Philip PricewaterhouseCoopers LLPMcDermid, Jason Chubb InsuranceMcKewen, Carole McKewen, James Grenville Mutual InsuranceMcManus, Steve Lombard Canada Ltd.McPhie, Brenda The Co-operatorsMercado, Christien Zurich CanadaMertes, Marian Mertes, Ted Gore Mutual InsuranceMeyer, Valerie The Co-operatorsMihailov, George Farm Mutual Reinsurance Plan Inc.Mohan, Kay AIGMohez, Remtulle OSFIMontisano, Antonietta Royal & Sun Alliance Insurance Co.Montojo, Teresita Odyssey America ReMorgan, John Morgan, Dorothy Peace Hills Insurance CompanyNarayan, Jaya SCOR CanadaO’Leary, Jennifer Guy Carpenter & Company, Ltd.Patel, Dhansukh Patel, Kalavati CNA CanadaPaterson, Dave Ayr Farmers MutualPedden, Douglas Portage La Prairie Mutual Ins. Co.Pereira, Al Aon Re Canada IncPilgrim, Tanya Nova Scotia School Insurance ExchangePohle, Annette PricewaterhouseCoopers LLP

Countdown 2004!x

DELEGATE NAME NON-DELEGATE COMPANYPoon, Katy Boiler Inspection and Insurance Company of CanadaPower, John Longview SolutionsPudukkotai, Bala Ernst & YoungRamsay, Michelle R-SquaredRebner, Joanne ScotiabankRieder, Jeff Ward GroupRistich, Pat R-squared communications inc.Roach, Dinsmore Ferguson, Marie The Guarantee of North AmericaRoumiantseva, Janna St. Paul GuaranteeRourke, Tim CIBC Mellon Global Securities ServicesRyan, Lisa Pricewaterhouse CoopersSalinitri, Connie The Guarantee of North AmericaSavoie, Pauline PricewaterhouseCoopers LLPSchaefer, Andrea Hay Mutual Insurance CompanySchlesinger, David KPMGScrutton, Robert Zurich CanadaSestito, Dino PartnerRe CanadaSevazlian, Sarkis Munich ReShields, Geoff Chubb InsuranceSideris, Tina PartnerRe CanadaSkrzydlo, Lorraine York Fire & Casualty InsuranceSmith, Tom Farm Mutual Reinsurance Plan Inc.Squire, Deborah Squire, Jim Oxford Mutual Ins. Co.St. Cyr, Rene RBC Global ServicesSteele, Graeme The Co-operatorsSue-Chan, Desmond St. Paul GuaranteeSumsion, John Swiss Reinsurance Company CanadaTang, Kate AIGTaylor, Glenn Allstate CanadaTaylor, Sandra OSBIETedesco, Nunzio KPMGThomson, Dave KPMGTsang, Vicky Assurant SolutionsTse, Andy Ernst & Young LLPWatson, W.R. Watson, Dianna Portage La Prairie Mutual Ins. Co.Wagh, Akhil KPMGWelsh, Patti Bay of Quinte Mutual Insurance Co.White, Anita Bank of MontrealWhite, Lisa White, Murray Dufferin Mutual Insurance CompanyWhite, Rick White, Chrysta HunterKeilty Muntz & Beatty LimitedWilkinson, Cyndy The Co-operatorsWilliams, F.E. Williams, Lucille Grain Insurance and Guarantee Co.Wilson, Katherine Wilson, David Halwell Mutual Insurance Co.Wilson, Ronald Wilson, Debby Trillium Mutual InsuranceWisner, Sheila Ernst & Young LLPWong, Bella PartnerRe CanadaWoodfield, Karen Guarnaccia, Frank CNA CanadaWoodhouse, Laura Ernst & YoungYip, Catherine Bank of MontrealYoung, Eileen St. Paul TravelersYsseldyk, Bob Ysseldyk, Barbara Odyssey America Re

Countdown 2004!x

congratulates

the CIAA on its

41st annual conference

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Contact Crawford Brandon, Director National Sales,

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Proud to be a CIAA sponsor

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We understand people. We understand business.

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www.ciaa.org

See you next year in Whistler, British Columbia. September 18-21, 2005

To volunteer contact Rick Keeler, conference director at (416) 681-6928 or rkeeler@mroc.com

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