Canadian Insurance Top Broker, 2017

PROPERTY CASUALTY INSURERS REINSURERS PROPERTY CASUALTY INSURERS REINSURERS UNIFUND ASURANCE COMPANY 10 Factory Lane St Johns NL A1C 6H5 Tel 709 737 1500 Fax 709 737 1580 LUNIQUE ASURANCES GÉNÉRALES 240 925 Grande Allée ouest Québec QC G1S 1C1 Tel 418 683 2711 Fax 418 688 9684 Toll Free 800 463 4800 Website www lunique qc ca VIRGINIA SURETY COMPANY INC c o D M Williams Associates Ltd 201 3650 Victoria Park Avenue Toronto ON M2H 3P7 Tel 416 496 1148 Fax 416 496 1089 2017 National Insurance Directory 160 INSURANCE companies INSURANCE companies HISTORY Incorporated on January 1 1980 in Newfoundland OFFICERS IN CANADA Martin Thompson Chief Executive Officer John Asher SVP Chief Financial Officer Paul MacDonald Senior Vice President Claims Chief Claims Officer Ken Bennett Senior Vice President Lifestyle Insurance Mark Edgar Senior Vice President Human Resources Paul Lucarelli Senior Vice Present Commercial and Global Speciality Lines Louisa Leonard Senior Vice President Risk Chief Risk Officer Sid Chopra Senior Vice President Operations Chief Operations Officer Donna Ince Senior Vice President Personal Insurance Broker Antonietta Montisano Vice President Corporate Controller Robin Richardson Vice President General Counsel and Corporate Secretary Jacqueline Friedland Chief Actuary Kelly Martin Chief Internal Auditor AFFILIATIO NS MEMBERSHIP IBC GIO PACICC CLASES OF INSURANCE Property Accident and sickness Automobile and Liability PROVINCES LICENSED Licensed in all provinces and territories except Quebec CAPITAL Share Capital 282037000 Retained Earnings 186757000 CANADIAN BUSINES NL E RATI NG AA 2014 2015 Q2 2016 000 000 000 Assets 2204924 2204567 2259270 Liabilities 1799239 1695877 1781405 Equity 405685 508690 477865 Direct Premiums 972435 937625 414413 Reinsurance Assumed Net Premiums Written 940566 915349 393660 Net Premiums Earned 943463 933704 443506 Net Claims Incurred 798842 584601 249694 Underwriting Income 93320 114178 79489 Investment Income 35223 34811 17022 Underwriting Cost Index 10989 8777 8208 NPW Equity 23185 17994 N A Net Leverage Equity 65969 50617 N A RATI NGS BY RATI NG AGENCIES Standard Poors A 02 28 2014 HISTORY Constituee en vertu des lois du Quebec le fevrier 1978 BRANCH OFFICE 750 425 de Maisonneuve Blvd O Montreal QC H3A 3G5 Tél 514 768 0707 Toll Free 1 877 768 0707 OFFICERS IN CANADA Jean Tardif President Chief Operating Officer André Boucher Controller AFFILIATIO NS MEMBERSHIP IBC GAA CLASES OF INSURANCE Lignes personnelles Automobile Biens PROVINCES LICENSED Licensed in Quebec New Brunswick Nova Scotia Ontario and Prince Edward Island CANADIAN BUSINES NL E RATI NG AAA 2014 2015 Q2 2016 000 000 000 Assets 347816 353802 N A Liabilities 276668 275939 N A Equity 71148 77863 N A Direct Premiums 184772 180905 N A Reinsurance Assumed 103688 113166 N A Net Premiums Written 175853 173092 N A Net Premiums Earned 159765 175222 N A Net Claims Incurred 103158 107826 N A Underwriting Income 1081 7869 N A Investment Income 7026 5196 N A Underwriting Cost Index 9934 9557 N A NPW Equity 24717 22230 N A Net Leverage Equity 52101 47811 N A HISTORY Incorporated on January 1 1982 in Illinois Established in Canada in 1995 as Virginia Surety Company Inc Name changed to Combined Specialty Insurance Company in May 2002 Effective July 13 2003 name changed back to present title OFFICERS IN CANADA V Lorraine Williams Chief Agent in Canada CLASES OF INSURANCE Property Automobile Boiler Machinery and Liability AFFILIATIO NS MEMBERSHIP PACICC GIO PROVINCES LICENSED Licensed in all provinces and territories except Quebec CAPITAL Head Office Account 23194000 CANADIAN BUSINES NL E RATI NG AAAA 2014 2015 Q2 2016 000 000 000 Assets 59092 72035 74276 Liabilities 37544 48639 50041 Equity 21548 23396 24235 Direct Premiums 19725 25405 1756 Reinsurance Assumed Net Premiums Written 18571 20597 991 Net Premiums Earned 13051 14047 7360 Net Claims Incurred 10890 11660 3777 Underwriting Income 795 1295 80 Investment Income 768 738 485 Underwriting Cost Index 10609 10922 9891 NPW Equity 8618 8804 N A Net Leverage Equity 25216 26911 N A