M E S S A G E F R O M T H E P R E S I D E N T

There is no secret to BFL CANADA’s success – it’s simply hard work and professional dedication – the same hard work and professional dedication that you invest in your own organization.

And when we contribute to your success, you contribute to ours in return.

Plain and simple.

We are passionate about finding the right solution for you, overcoming challenges along the way and, in the end, delivering results.

If you are in search of a rewarding relationship with an insurance brokerage and consulting firm, you can count on us to make a difference.

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TO BE THE MOST PROFESSIONAL, CLIENT-ORIENTED AND INNOVATIVE INSURANCE BROKERAGE AND CONSULTING FIRM IN CANADA, THROUGH A DISCIPLINED AND DEDICATED TEAM APPROACH.

B A R R Y F. L O R E N Z E T T I

BFL CANADA IS ONE OF THE LARGEST EMPLOYEE-OWNED AND OPERATED COMMERCIAL BROKERAGE AND CONSULTING SERVICES FIRMS IN CANADA.

With offices across the country and an outstanding team of professionals, we are able to provide you with first-rate expertise and service. This is why our clients’ loyalty is amongst the highest in the industry.

W H AT M A K E S B F L C A N A D AD I F F E R E N T ?

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SERVICE

Each and every day of our mandate, we attend to your requirements based on your timetable.

TEAMWORK

Each and every one of our professionals supports your service team members to ensure your objectives are met.

CREATIVITY

We invest every thought and take every measure to deliver high-quality services.

DEDICATION

Your level of satisfaction is the measure of our success.

Our clients can attest to the fact that we go the extra mile for them, again and again.

Another advantage to you is the fact that we are totally independent – our only obligation is to meet your needs, to put your interests first.

With our access to insurance markets worldwide, you can rest assured you will be offered world-class options.

And through our alliances with international partners such as Lockton (lockton.com/locktonglobal), we follow your growth and activities around the world and provide service where and when you  need it.

BFL CANADA operates two divisions:

— Insurance brokerage, risk management, surety bonding and related services — Employee benefits and consulting services

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C O M M E R C I A L I N S U R A N C E

BFL CANADA caters to a wide range of local, national and international clients of all sizes and from all industry segments, including:

— Agriculture — Architects and engineers — Aviation — Construction — Energy — Equine — Film, media and entertainment — Financial institutions — Food and beverages — Forestry — Health and pharmaceutical — Hospitality — Manufacturing — Marine and international logistics — Mining — Municipalities — Professional services — Real estate and property management –

residential and commercial — Retail and wholesale distribution — Sports and leisure — Technology and communications — Transportation

We tailor solutions to address each client’s specific requirements: general liability, builder’s risk, crime, boiler and machinery, business interruption, environmental, professional liability, political risk, directors’ and officers’ liability, trademark infringement, trade credit, cyber risks, etc.

BFL CANADA understands that each organization is unique, due to a variety of factors:

— Corporate culture — Industry segment — Projects — Size — Financial situation — Goals — Geography — Sensitivity to economic indicators — Production process — Risk management philosophy

As each client’s needs are different, we work with them to determine their priorities.

With access to insurance markets worldwide, BFL CANADA can recommend the best choice for each line of insurance and take advantage of the competition among insurance companies in terms of premiums and coverage.

The fact that we maintain solid relationships with all of the major insurers and keep abreast of trends and developments makes a world of difference for our clients.

S U R E T Y B O N D S

BFL CANADA provides advice and guidance with respect to surety bonds and bonding facilities, including financial assessments and experts opinions. We also offer solutions for a wide range of surety problems and provide bond rate benchmarking and bond claims assistance.

Our surety bonding services are integrated with our insurance and risk management operations to provide a seamless, single point of contact for project owners, transportation companies, exporting manufacturers, developers, contractors and others.

OUR PROFESSIONALS ARE DEDICATED TO DELIVERING THE RIGHT SOLUTION, HOWEVER SIMPLE OR SPECIAL YOUR COVERAGE NEEDS MAY BE.

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G L O B A L S E R V I C E S

A global market means increased business opportunities, but also increased risk. BFL CANADA can help you weigh, balance and manage that risk to support your international growth plans, whether you are a foreign company considering Canada as a place to expand and invest or a Canadian company opening your perspective to the rest of the world.

For many years, BFL CANADA Global Services have facilitated both placement and services for clients doing business internationally. Our teams are located in Calgary, Toronto and Montreal and operate abroad through the Lockton Global partnership, a network of like-minded, independently-owned insurance and risk management firms from around the world. Rather than “fitting” into a global brokerage’s outline, our philosophy is to put our clients in control of the service they require and the expectations they wish to set.

OUR VALUE PROPOSITION:

Global reach | Compliance, clarity and efficiency | Customized solutions

The Lockton Global partnership serves multinational companies with innovative, integrated risk management, insurance and employee solutions. Our clients have operations in more than 100 countries and range in size from those taking their first steps in the international marketplace to large, sophisticated corporations. For that reason, our service is tailored to our individual clients’ needs, with each multinational client assigned a dedicated, international specialist from the Global business team. As for our partners, they are risk experts in their market, speak the local language and understand local culture, all part of our standards built around the satisfaction of our clients’ needs, including:

— Compulsory insurance and compliance audits — Global risk analysis — Mergers and acquisitions due diligence — Customized foreign program design — International claims management

As brokers, we are committed to:

— Provide clear, effective and responsive communication — Track insurance market dynamics, regulatory requirements,

tax issues and benchmark data — Coordinate with other Lockton Global brokers to maintain quality

and innovation — Listen to your specific needs and preferences, notably by introducing

partners at the beginning and not at the back-end of service promises — Formulate objectives and tailor action plans that help you meet your

business goals — Structure a Global Business service plan that keeps everyone on

the same page, at the same time — Remain independent, as independence ensures talent, focus,

business model and servicing model alignment

OUR APPROACH TO GLOBAL THINKING IS PROACTIVE.

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R I S K C O N T R O LS E R V I C E S

BFL CANADA provides high-quality risk control services intended to help its clients manage the many risks their organizations face every day effectively. We work with our clients to identify and design customized cost-effective solutions to reduce or eliminate the impact of risk on their organizations.

Risk control services can and, in most cases, do increase the value of insurance/risk financing programs.

Even though some of our clients have risk control expertise on staff, they may require additional support or may need BFL CANADA to act as a risk control advisor to their operations. We work with our clients to implement a risk control strategy in support of their insurance/risk management and business objectives and priorities.

Whether you are building a new plant, office tower, rail system, school or hospital, need to train personnel on health and safety issues, new regulations or fleet safety or wish to reduce the frequency or severity of losses incurred by your organization, our professionals can help.

R I S K M A N A G E M E N T

A sound risk management program is derived from an organization’s philosophy towards risk and retention.

It is our belief that combining risk control and risk financing can lead to a stable program, designed to protect the most valuable assets of an organization while reducing its cost of risk and supporting its business plan.

BFL CANADA’s services include:

— Review of contracts and leases for indemnification and insurance purposes

— Design of risk management manuals — Optimal retention/deductible analysis — Benchmarking of limits, deductibles, retentions — Risk profile — Mergers and acquisitions risk and insurance advice — Corporate governance

WE OFFER PROACTIVE INSIGHT, VISION AND ADVICE AIMED AT HELPING YOU ACHIEVE YOUR OBJECTIVES.

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A S S O C I AT I O N A N D GROUP   PROGR AMS

A definite advantage of belonging to a group or an association is the possibility of buying into a stable risk transfer program with a broad, tailored and economical insurance component. Numerous Canadian associations and groups have chosen BFL CANADA as their partner to design, implement and develop such programs.

A wide range of benefits can be derived from group or association programs, such as:

— Leveraged purchasing power resulting in savings — Broader coverage for the group or association

members — Enhanced relationship with insurers — Access to effective risk control measures, which

benefit all program participants in the long run — Increased stability of premium levels

We work closely with your association or group to understand your specific needs and design innovative programs to meet your objectives. BFL provides tailored services, including:

— Online applications for members — Development of a website solely dedicated to

your program and members

Whatever industry your group or association belongs to, the power of the group can be harnessed to your advantage.

C L A I M S M A N A G E M E N T S E R V I C E S

They are, in fact, purchasing claims management services in the event such services are required at a later point in time.

At BFL CANADA, we recognize this and are committed to supporting our clients with services tailored to best address their situations.

In addition to traditional reporting and negotiation services, BFL CANADA offers clients claims settlement services for programs with large retentions or special requirements.

Our standard services include:

— 24-hour emergency service — Claims settlement — Loss bordereau in client’s preferred format — Retention management — Claims review meetings — Electronic claims reporting

ALL OF OUR CLIENTS HAVE ONE THING IN COMMON WHEN THEY PURCHASE INSURANCE:

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OUR SERVICES

Personalized Benefits Consulting

Clients use their employee benefits program as a key human resource tool in order to achieve their broader business objectives. This concept has resulted in a process developed by BFL CANADA to provide personalized consulting services such as:

— Setting of annual benefits objectives — Financial analysis of the various benefits plans — Review of legislative issues and their impact

on benefits plans — Introduction to new and innovative benefits concepts

BFL CANADA goes beyond benefits consulting. We communicate with our clients and educate their employees on their benefits program. We offer the support and expertise they need to make their program a success for both beneficiaries and sponsor.

B E N E F I T S C O N S U LT I N G S E R V I C E S

BY CHOOSINGBFL CANADA ASYOUR PARTNER,YOU OBTAINACCESS TO THEBROAD SPECTRUMOF BENEFITSCONSULTINGSERVICES, INCLUDING:

GROUP INSURANCE PLANS — Life insurance — Disability insurance — Supplemental healthcare — Dental care — Travel accidents — Alternate funding arrangements — Claims audits — Due diligence and plan audits — Communication

GROUP RETIREMENT SAVINGS PLANS — Defined contribution pension plans — Defined benefit pension plans — Deferred profit sharing plans — Group registered retirement savings plans — Group tax-free savings plans — Retirement counseling

EXECUTIVE COMPENSATION — Individual pension plans — Supplemental executive retirement plans — Retirement compensation agreements — Wealth management — Estate planning

INDIVIDUAL INSURANCE — Life insurance — Critical illness insurance — Long-term care — Disability insurance — Post-retirement health and dental insurance — Emergency travel insurance

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T H E T E A M

Our team is comprised of professionals with vast experience and expertise. Their know-how, creativity, entrepreneurial spirit and dedication are at the core of our success.

This wide range of expertise in all industry segments enables BFL CANADA to achieve professional excellence in the servicing of all types of risk management, insurance and benefits programs.

Our clients’ loyalty is proof of our expertise, hard work, and the outstanding level of service we provide. Our professionals listen to our clients.

IT’S THANKS TO THE TEAM THAT BFL MAKES A DIFFERENCE!

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