Thank you for being our client.  We appreciate the confidence you have placed in us; and we will do everything possible to continue to earn your trust and goodwill.  We look forward to serving your insurance needs for many years to come.

Our goal is to arrange the appropriate insurance protection for you, combining sound advice with coverage tailored to your needs.  We also provide you with ongoing policy maintenance, claims support, top-notch personal service, and professional care.  We serve as your advocate, your advisor, and your guide.  We represent you.

Please remember … All our policies come complete with someone who cares!

For the services we provide to you, we receive a percentage of your insurance premium, as a commission, paid to us by your Insurance Company. Below, we have listed the Property & Casualty Insurance Companies with whom we have contracts (and also other insurance markets that do not require a contract, with whom we have over $100,000 in annual premium), together with the range of compensation each provides, as a percentage of your overall premium. For a printed copy of this information, feel free to call us.

This commission percentage is paid to us, each policy term, for both new policies and renewals.

When you are well-informed, our role is easier.  So we also urge you to consult the websites of individual Insurance Companies and the various provincial and national insurance industry organizations, for further information.

Our firm is privately owned, and completely independent.  There is no direct or indirect ownership interest by any Insurance Company or financial institution, nor any loan or financial guarantee.  We confirm that there are no conflicts of interest in our relationship with you, and that our overall recommendations to you are based on our understanding and assessment of your needs.

If you have any questions, or if we can assist you or someone else you know, please don’t hesitate to contact us.  We have a dedicated, dynamic, and well-educated team, with specialists in many different insurance disciplines, including business and commercial insurance, personal home and auto insurance, RRSPs, RESPs, group insurance, mutual funds (arranged through Dundee Private Investors Inc), GICs, and life and disability insurance.

All of us are fully committed to providing you with the very best, in advice and in service.

~ HOW WE ARE PAID FOR PROPERTY & CASUALTY INSURANCE POLICIES ~

Insurance Company or Intermediary	Personal Auto and Umbrella	Personal Property	Commercial Auto and Surety	Commercial Property
ACE INA	n/a	n/a	n/a	12.5-20%
*  Aviva	10-12.5%	15-20%	7.5-12.5%	15-20%
*  AXA	10-12.5%	20%	7.5-12.5%	15-20%
*  Chieftain	12.5%	12.5%	n/a	n/a
*  Citadel	10.0 - 12.5%	20.0%	12.5%	20.0%
*  The Dominion	10.0 – 12.5%	20.0%	7.5 – 12.0%	15.0 – 25.0%
*  Echelon	12.5 – 13.5%	n/a	12.5 – 13.5%	n/a
*  Economical Mutual	10.0 – 12.5%	20.0 – 25.0%	7.5 – 12.5%	20.0 – 25.0%
Elliott Special Risk	n/a	n/a	n/a	10.0%
Encon	n/a	n/a	n/a	7.5 – 10.0%
Frank Cowan	n/a	n/a	10.0%	15.0%
* Gore Mutual	10.0 – 12.5%	20.0%	7.5 – 12.5%	15.0 – 25.0%
* Guarantee Company of North America	15.0%	15.0 – 24.0%	12.5%	20.0%
* ING Canada	10.0 – 12.5%	15.0 – 20.0%	10.0 – 12.5%	20.0%
* Kingsway	5.0 – 13.5%	15.0%	n/a	18.0%
Markel	n/a	n/a	10%	n/a
Nordique      (Facility)	7.5 – 11.0%	n/a	6.0 – 10.0%	n/a
* North Waterloo Farmers Mutual	10.0 – 12.5%	20.0%	12.5%	20.0 – 24.0%
Perth	5.0 – 12.5%	15.0%	n/a	n/a
* Pilot	7.0 – 17.5%	15.0 – 24.0%	4.0 – 17.5%	20.0%
Robertson Hall	n/a	n/a	n/a	15.0%
Southwestern Group	n/a	12.5-15%	n/a	7.5-15%
TWIG / The   Wholesale   Insurance Group	n/a	10.0 – 12.5%	n/a	10.0%
* York Fire &   Casualty	12.5%	17.5 – 20.0%	12.5%	20.0%
* Zurich	10.0 – 12.5%	n/a	7.5 – 12.5%	10.0 – 20.0%

*The asterisks in the chart, above, denote Insurers with whom we also have Contingent Profit Commission agreements.  We may be eligible for this additional compensation, such as profit-sharing or prizes, if we meet certain requirements pertaining to volume, mix of business, retention and/or loss ratios.  Contingent Profit Commissions are not guaranteed; and plans vary widely, from Company to Company.  More detailed information about a specific Insurance Company’s Contingent Profit Commission plan can usually be found on their website.

~ HOW WE ARE PAID FOR LIFE, GROUP AND FINANCIAL SERVICES PRODUCTS ~

In arranging Life and Group Insurance and other Financial Services products, we represent you, our client. We appreciate the confidence you have placed in us; and we will do everything possible to continue to earn your trust and goodwill. We look forward to serving your insurance needs for many years to come.

Our goal is to work for you, combining sound advice with insurance coverage and/or other financial services products tailored to your needs. We also provide you with ongoing policy and product maintenance, claims support, top-notch personal service, and professional care. We serve as your advocate, your advisor, and your guide. We represent you. We meet or exceed all the ongoing educational and licensing standards required by our licensing bodies.

As a result of our work together, should you decide to purchase a product through us, we will be remunerated by way of commission and/or “commission linked” bonus directly by the insurer and/or the managing general agency that we represent. Our managing general agency will also be compensated. This is an integral element of your rate calculation. There is no additional charge to you. Arrangements vary widely, depending on a number of factors, including the type of product, the specific Insurance Company or product provider and the amount of coverage being arranged.

We may also be eligible for additional compensation, such as bonuses and/or prizes, which may vary widely from Company to Company, and from year to year, depending on factors such as the volume, persistency, or mix of business which we have placed with a specific Insurance Company or product provider.

We have listed all the Individual Life and Group Insurance Companies we represent, as well as the other providers of Financial Services products with whom we do business.

Please visit us on-line, anytime, at www.erb-erb.com for all the latest updates regarding material changes to this information … as well as for a wide range of other important and topical insurance-related information, together with many interesting details about our firm.

                          Please remember … All our policies come complete with someone who cares!

~ Primary Products and Services that We Offer

Auto	RRSPs - RRIFs - Annuities	Disability Insurance
Home	Term Deposits & GICs	Critical Illlness Insurance
Business	Life Insurance	Best Doctors Coverage
Employee Group Benefits	Mutual Funds**	Travel Insurance
Group RRSPs	Labour Sponsored Funds**	Mortgage Insurance
Health & Dental Plans	Segregated Investment Funds	Registered Education Savings Plans**

~ Life Insurance Companies that We Represent ~

AIG	American Home	Assumption Life
AXA	Benecaid	Blue Cross
Canadian Protection Plan	Canada Life	Co-operators
Desjardins Financial	Empire Life	Equitable Life
Great West Life	Faith Life Financial	Federated Life
Green Shield Canada	Industrial Alliance Pacific	La Capitale / PennCorp
La Survivance	Liberty Health	Manulife Financial
National Life	RBC Life	Standard Life
Sun Life	Superior Life	Transamerica Life
Unity Life	Wawanesa Life

~ Banks and Trust Companies that We Represent ~

Advisors Advantage Trust	AGF Trust	Apex Credit Union Ltd
B2B Trust	Bank of Montreal	Bank of Nova Scotia
Bank West	BMO Mortgage Corp.	Bruno Savings and Credit Union
Canada Trust	Canada Trustco	Canadian Western Bank
Canadian Western Trust	Capstone Consultants Ltd.	CIBC
CIBC Mortgages	CIBC Trust	Citizens Bank of Canada
Citizens Trust	Coast Capital Savings Credit Union	Community Trust
Concentra Financial	Dundee Wealth Bank	Effort Trust
Entegra Credit Union	Equitable Trust	General Bank of Canada
Heartland Credit Union	Home Trust	HSBC Mortgage Corp.
HSBC Trust	ING Bank	Island Savings
Kindersley District Credit Union	Laurentian Bank	LBC Trust
London Life	Lutheran Funds & Endowments	Manulife Bank of Canada
Maple Trust	MCAN Mortgage Corp.	MCAP
Montreal Trust	MRS Trust	Natean Trust
National Bank	National Trust	Niverville Credit Union
Peace Hills Trust	Peoples Trust	PW Bank of Canada
Resmor Trust	Royal Bank of Canada	Sandy Lake Credit Union
Saskatchewan Savings Bond	Scotia Bank	Scotia Mortgage Corp.
TD Bank	TD Pacific Mortgage Corp.	Ubiquity Bank of Canada
Valley First Credit Union	Vanguard Credit Union Ltd.	Virtual One Credit Union

~ Other Distributions and Intermediaries of Financial Services Products that We Represent ~

Best Doctors Inc.	Countrywide Insurance Group	Deposit Broker Services
Financial Horizons	Hunter McCouorkodale	MGI Financial Inc.
Pace Financial	Ten Star Insurance Brokers Ltd.	Travel Insurance Coordinators
Travel Underwriters	Trent Health Services	Wise Financial

This list is intended to comply with the disclosure requirements of Regulation 347/04 of the Insurance Act. **Some of our employees are also individually licensed as mutual fund representatives of MGI Financial Inc.