The Co-operators Group 2013/media...Company Profile / Organizational Chart 4 Consolidated Highlights / Three-Year Review 5 Letter to Member-Owners, Policyholders and Shareholders 6

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>2013 The Co-operators Group Limited>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

Our Mission The Co-operators: financial security for Canadians and their communities.

Our VisionThe Co-operators aspires to be valued by Canadians as... > a champion of their prosperity and peace of mind, > a leader in the financial services industry,

distinct in its co-operative character, and > a catalyst for a sustainable society.

Statement of ValuesAt The Co-operators we...> strive for the highest level of integrity> foster open and transparent communication> give life to co-operative principles and values> carefully temper our economic goals with consideration

for the environment and the well-being of society at large> anticipate and surpass client expectations

through innovative solutions supported by mutually beneficial partnerships.

Visit www.cooperators.ca to view the full suite of 2013 reports for The Co-operators group of companies.

MissionVision

Values>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

Our Mission The Co-operators: financial security for Canadians and their communities.

Our VisionThe Co-operators aspires to be valued by Canadians as... > a champion of their prosperity and peace of mind, > a leader in the financial services industry,

distinct in its co-operative character, and > a catalyst for a sustainable society.

Statement of ValuesAt The Co-operators we...> strive for the highest level of integrity> foster open and transparent communication> give life to co-operative principles and values> carefully temper our economic goals with consideration

for the environment and the well-being of society at large> anticipate and surpass client expectations

through innovative solutions supported by mutually beneficial partnerships.

Company Profile / Organizational Chart 4

Consolidated Highlights / Three-Year Review 5

Letter to Member-Owners, Policyholders and Shareholders 6

2013 Company Highlights 8

Member-Owners and Co-operative/Mutual Organizations 10

Board of Directors 11

Co-operative Governance 12

Board of Directors: Committees 13

Corporate Directory 14

Contents>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

4 THE CO-OPERATORS GROUP LIMITED / 2013

The Co-operators is a leading Canadian-owned, multi-product insurance and financial services organization with more than $35.5 billion in assets under administration. Within our three core areas of operation — Property and Casualty (P&C) insurance, Life insurance, and institutional investments — we have 4,567 employees. We are supported by a dedicated financial advisor network with 2,571 licensed insurance representatives throughout Canada. We also serve approximately 330 credit unions with more than 5.3 million members.

Property & Casualty Insurance> Insures over 728,000 homes and more than 1 million vehicles.> Provides coverage to more than 36,000 farms and 145,000 businesses.

Life Insurance> Protects more than 604,000 lives.> Insures more than 188,000 employees through Group Benefit plans.> Provides Travel insurance to nearly 1.1 million Canadians and visitors to Canada.> Offers a wide range of Wealth Management products.> Provides Credit insurance to more than 642,000 Canadians.

Investments> Provides institutional investment and asset management services.

Addenda Capital Inc. (74.36%)

Co-operators General Insurance Company> The Sovereign General Insurance Company> The Equitable General Insurance Company*> COSECO Insurance Company

Federated Agencies Limited> HB Group Insurance Management Ltd.> UNIFED Insurance Brokers Limited

Co-operators Life Insurance Company> TIC Travel Insurance Coordinators Ltd. - SELECTCARE WORLDWIDE CORP.

> The CUMIS Group Limited (72.99%) - CUMIS Life Insurance Company - CUMIS General Insurance Company - Credential Financial Inc. (50%)

The Co-operators Group Limited

Co-operators Financial Services Limited

*Non-operating entity

COMPANY PROFILE / ORGANIZATIONAL CHART>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

THE CO-OPERATORS GROUP LIMITED 5

CONSOLIDATED HIGHLIGHTS

THREE-YEAR REVIEW(in millions of dollars, except return on shareholders’ equity) 2013 2012* 2011

Total assets 11,861 11,431 11,587

Insurance and investment contract liabilities 6,262 6,085 6,428

Shareholders’ equity 1,860 1,805 1,654

Participating policyholder account 610 547 521

Non-controlling interests 397 386 399

Total equity 2,867 2,738 2,574

Property & Casualty direct written premium 2,296 2,205 2,150

Life direct written premium 788 784 802

Net earned premium 2,888 2,825 2,751

Net investment gains and income 161 378 418

Policyholder benefits and adjustment expenses, net of reinsurance 1,850 1,795 1,900

Net income — attributable to shareholders 40 204 78

Return on shareholders’ equity 2.3% 12.7% 5.3%

*2012 balances include the adjustments to retrospectively adopt International Accounting Standard 19R “Employee Benefits”.

Co-operators General (54%)

Co-operators Life (17%)

CUMIS Group (12%)

Sovereign (10%)

COSECO (7%)

Bonds (61%)

Stocks (19%)

Mortgages (15%)

Short-term

Other (2%)investments (3%)

Ontario (45%)

Alberta (24%)

Atlantic (10%)

Man/Sask (9%)

BC (9%)

Quebec (3%)

2013 Direct Written Premium by Company

2013 Direct Written Premium by

Region

2013 Invested

Assets Mix

-

500

1,000

1,500

2,000

2,500

3,000

3,500

2008 2009 2010 2011 2012 2013

Total Equity (in millions)

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LETTER TO MEMBER-OWNERS, POLICYHOLDERS AND SHAREHOLDERS

Growing and BuildingThe year’s catastrophic weather events impacted all our Property and Casualty (P&C) companies — Co-operators General, COSECO, The Sovereign General and CUMIS General — and significantly reduced our bottom line. Setting aside these major weather events, however, 2013 was a good year for The Co-operators Group. Numerous efforts to improve online access, client communication and client satisfaction boosted our P&C results. In fact, we experienced unprecedented client growth for the second consecutive year.

Co-operators Life achieved improved profitability as a result of its ongoing focus on productivity gains and expense management. At the same time, the company is learning to operate in a new financial reality, where low interest rates are the norm and well-established pricing and investment assumptions no longer stand. The CUMIS Group Limited and TIC Travel Insurance Coordinators, two Co-operators Life subsidiaries, achieved strong growth and sound profitability in 2013.

For the second consecutive year, Addenda Capital exceeded performance benchmarks for all of its investment strategies. This bodes very well for new business and future growth of assets under management.

Again this year, the diversity of our business lines contributed to the resiliency and the overall strength of The Co-operators Group. We closed the year with an after-tax net income of $40.4 million, attributable to shareholders, and our financial position remains solid.

Leading ChangeEarly in 2013, we engaged researchers at the University of Waterloo to investigate the barriers and opportunities in addressing the lack of overland flood insurance in Canada. The timely study1 generated substantial discussion in the media, with other insurers and with governments. In addition to sponsoring the second phase of this work, we collaborated on the Resilient Cities project to build climate change adaptation strategies for urban centres. Our efforts to promote social, economic and environmental sustainability are featured in our 2013 Sustainability Report.

Stepping Up The Co-operators is a strong and resilient organization.This foundation supports us when external forces put pressure on our resources. The summer floods in southern Alberta and Toronto, the end-of-year ice storm that stretched from Ontario to the Atlantic, as well as many smaller yet significant weather-related events across the country, tested our mettle in 2013.

Our people are in Canadian communities from coast to coast to coast, ready to act quickly when our clients need us. The crises we navigated this year gave our client service employees and advisors the opportunity to shine, even though many were facing similar issues at home. Clients were able to count on us when it mattered most.

1“Assessing the Viability of Overland Flood Insurance: The Canadian Residential Property Market,” can be found at www.cooperators.ca >About Us > Sustainability > Advocacy.

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(Signed)Kathy Bardswick President and Chief Executive Officer

(Signed)Richard Lemoing Chairperson, Board of Directors

In 2010, Ontario implemented much-needed auto insurance reforms. As a co-operative insurer, we believed that passing the resulting savings on to clients was the right thing to do, which is why we opted to reduce our rates by 12 per cent 2 over the past two years. However, in 2013, the government mandated an average 15 per cent rate decrease for all auto insurers in the province, a move that went beyond the typical rate regulation process. We find this interference with the risk-based pricing model, which is vital to the P&C industry’s financial health, to be very concerning. While this issue affects only one province directly, the ripple effects may be felt across the country in the years to come.

We are pleased to report that we earned a place on the “50 Best Employers in Canada” list for the 11th consecutive year. While our employee engagement score dropped from 76 per cent in 2012 to 73 per cent this year, we continue to be well positioned amongst other large Canadian companies. We will focus on the areas of opportunity highlighted in the survey results as we continue to build an engaged workforce.

Our dedication to the co-operative business model is evidenced in many ways, from our support for emerging co-operatives and related associations, to the insurance solutions we develop for our member-owners. We launched a research project in 2013 to deepen our abilities to measure and enhance our co-operative performance and identity. The international co-operative community adopted the “Blueprint for a Co-operative Decade,”3 a solid strategy that guides the growth of this business model around the world. We are encouraged to see that, one year later, momentum from the International Year of Co-operatives continues.

Focusing on the futureWe strive to serve the needs of our member-owners and their communities, our clients and our employees. Through an anonymous survey, members told us they are highly engaged with our co-operative: we achieved a member engagement score of 88 per cent in 2013, unchanged from the last survey two years ago. Our strong governance guides us and acts as a beacon, leading us to make decisions based on co-operative values and the long-term success of our organization.

We are entering the last year of our 2010 – 2014 Strategic Plan and we are pleased to report that the execution of our objectives is on track. The coming year will bring much thoughtful discussion as we develop a new strategy to carry us through the next four years.

In the wake of the devastating Alberta floods, we received praise for our timely, compassionate and fair client service: for this we must thank our claims teams, our advisors and all our employees across Canada who provided assistance behind the scenes. We would also like to thank our member-owners, clients, broker partners, Board of Directors and community partners for their ongoing support. We are confident we can overcome any challenges we encounter and we look forward to new successes in 2014.

Our strong governance guides us and acts as a beacon, leading us to make decisions based on co-operative values and the long-term success of our organization.


2 Co-operators General non-consolidated3 Visit http://ica.coop for details.


COMPANY HIGHLIGHTS

The Co-operators Group Limited is the co-operative holding company for The Co-operators group of companies.> Placed on the 2013 “50 Best Employers in Canada” list (CGL, CGIC, HB Group and Addenda),

for the 11th consecutive year.> Achieved a member engagement score of 88%.> Paid a record Member Loyalty Payment, based on 2012 financial results.> Named as Corporate Knights’ “Most Sustainable Co-operative in the World” and ranked in the top three

on their “Best 50 Corporate Citizens in Canada” list. Included in Maclean’s “Top 50 Socially Responsible Corporations” list.

Co-operators Financial Services Limited is a Canadian holding company that consolidates all of The Co-operators insurance and investment management operations.> Earned net investment income on portfolio investments of $10.3 million, on a non-consolidated basis.

Addenda Capital Inc. provides discretionary investment advisory services to pension plans, insurance companies, endowments, foundations, governments, corporations and mutual funds, as well as the companies of The Co-operators Group Limited.> Surpassed benchmarks on all investment strategies, for the second consecutive year.> Supported sustainable investing by integrating an environmental, social and governance

(ESG) review process into the construction of all portfolios.> Introduced a refreshed brand, in addition to a new website and promotional materials.

Co-operators General Insurance Company provides Home, Auto, Farm and Commercial insurance through an exclusive advisor network across Canada. This network also distributes Life and Travel insurance, and Wealth Management products for Co-operators Life Insurance Company.> Provided claims support to nearly 3,400 clients as a result of catastrophic floods in southern Alberta and

Toronto. These events, when added to other natural disasters, resulted in gross storm claims in excess of $215 million this year — our highest ever.

> Before tax net income from continuing operations was $80.1 million, lower than 2012 mainly due to the impact of extreme weather events.

> Achieved unprecedented client growth, adding more than 18,000 new clients. > Ranked among the best Auto insurance performers and was a strong Home insurance performer in the

J.D. Power Customer Satisfaction Study.

The Sovereign General Insurance Company offers solutions for the specialized and complex insurance needs of Canadian businesses through a coast-to-coast-to-coast, independent brokerage network.> Grew gross written premium revenue by 9.2%.> Reduced expense ratio by 1.7% through a combination of growth and expense management.> Ranked 21st on the “50 Best Employers in Canada” list for small and medium employers and

was recognized as one of “Canada’s 10 Most Admired Cultures,” as presented by Waterstone.

Co-operators Life Insurance Company provides Life, Health and Travel insurance, as well as Wealth Management products, to individuals and groups across Canada.> Achieved strong total premium and deposit growth in Individual insurance and excellent profitability

in Wealth Management.> Significantly improved Group Benefits offer, grew net sales over prior year and improved

Net Promoter Score (a customer loyalty measurement) from 29% to 35%.> Named as one of “Saskatchewan’s Top Employers,” by the editors of “Canada’s Top 100 Employers.”

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TIC Travel Insurance Coordinators Ltd. is one of the largest providers of Travel insurance products to Canadians and visitors to Canada.> Surpassed the $100 million premium threshold for the first time. > Boosted earnings substantially over 2012.

The CUMIS Group Limited is the leading provider of insurance-related products and services to credit unions, caisses populaires and their members in Canada.> Posted strong earnings and a solid combined ratio for CUMIS General Insurance Company.> Received a Net Promoter Score (a customer loyalty measurement) of 45%, a 2% improvement over an

already excellent result. > Continued to expand Small Business and Integrated Wealth and Insurance solutions.

Credential Financial Inc. is a national Wealth Management firm offering a full suite of products and services to over 225 credit unions and independent financial institutions.> Increased assets under administration by 17% to $15.7 billion.> Subsidiary company Credential Securities Inc., became a self-clearing IIROC brokerage firm and launched a new

division, Credential Correspondent Partners, to provide custody and trading services for portfolio managers and independent wealth management firms.

Federated Agencies Limited offers specialty Personal, Commercial and Financial Services products that complement the offerings of its strategic business partners.> Partnered with Credential Asset Management for mutual fund dealer services and implemented an operational

structure to support future growth opportunities.> Moved forward with plans to provide member-owners, and their members, with the most competitive

Property & Casualty offerings available from across the group of companies.

HB Group Insurance Management Ltd. and COSECO Insurance Company offer Home and Auto insurance products through three contact centres to employer groups, affinity groups, associations and credit union members. Business developed by HB Group is insured primarily by COSECO.> Signed a record number of new groups (57) at HB Group, providing more than 105,000 prospective clients

for future growth and contributing more than $9.5 million in premium. > Extreme weather events and high claims costs at COSECO led to a before tax net loss from continuing operations

of $5.7 million.

The membership of The Co-operators Group Limited consists primarily of co-operative organizations and credit union centrals.

Alberta> Agrifoods International Cooperative Limited†

> Alberta Federation of Agriculture> Alberta Federation of Rural

Electrification Associations> Credit Union Central Alberta Limited> Federation of Alberta Gas Co-ops Ltd.> Lilydale Inc.> UFA Co-operative Limited

Atlantic> Amalgamated Dairies Limited> Atlantic Central> Canadian Worker

Co-operative Federation†

> Co-op Atlantic> La Fédération des caisses populaires

acadiennes limitée> Newfoundland-Labrador Federation

of Co-operatives> Northumberland Co-operative Limited> Scotsburn Co-operative Services Limited

British Columbia> BC Tree Fruits Cooperative> Central 1 Credit Union†

> Modo The Car Co-op> Mountain Equipment Co-op†

> PBC Health Benefits Society> Realize Co-op

Manitoba> Arctic Co-operatives Limited> Caisse Populaire Groupe Financier Ltée> Credit Union Central of Manitoba> Granny’s Poultry Cooperative

(Manitoba) Ltd.> Keystone Agricultural Producers

Ontario> Co-operative Housing Federation of Canada†

> Gay Lea Foods Co-operative Limited> GROWMARK, Inc.> Ontario Federation of Agriculture> Ontario Natural Food Co-op> Organic Meadow Co-operative Inc.> United Steelworkers – District 6

Quebec> Fédération des coopératives

d’alimentation du Québec> Fédération des coopératives

funéraires du Québec> Fédération québécoise des coopératives

en milieu scolaire/COOPSCO> La Coop fédérée> La Fédération des coopératives

du Nouveau-Québec

Saskatchewan> Access Communications Co-operative Limited> Credit Union Central of Saskatchewan> Federated Co-operatives Limited†

> Regina Community Clinic> Viterra Inc.

Multi-region†

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International Cooperative and Mutual Insurance Federation


We are proud members of the following co-operative /mutual organizations:

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>MEMBER-OWNERS


BOARD OF DIRECTORS

Albert De BoerAlberta

Dave Abel Manitoba

Terry Otto Ontario

André Perras Saskatchewan

Jim Laverick Alberta

Don Altman Ontario

Dave Sitaram Ontario

Gordon Young Saskatchewan

Phil BaudinBritish Columbia

Denis BourdeauOntario

Jack Wilkinson Ontario

Daniel BurnsBritish Columbia

John HarvieAtlantic

Johanne Charbonneau Ontario

Paul Godin Quebec

Emmet McGrath British Columbia

Denis Laverdière Atlantic

Jim MacFarlane Atlantic

Roger Harrop Ontario

Réjean Laflamme Quebec

Richard LemoingChairpersonManitoba

Alexandra WilsonVice-Chairperson

Ontario

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CO-OPERATIVE GOVERNANCE

Board of Directors composition and independenceThe Co-operators 22-member Board of Directors (Board) consists of individuals elected from our 43 member-owner organizations across Canada. All Directors are independent from management and unrelated to the day-to-day operations of the business.

Mandate of the BoardThe Board is responsible for key governance issues such as: ensuring the organization’s financial viability; articulating the mission, vision and values; setting the strategic direction; the appointment, selection and performance management of the President and CEO; and ensuring The Co-operators maintains a leadership role in the insurance industry and co-operative movement.

Performance managementAnnual performance management systems assess the effectiveness of the Board as a whole, the Chairperson of the Board, Board committees and individual Directors. To ensure The Co-operators ongoing relevance and effectiveness with its member-owner organizations, the Board oversees the measurement of member-owner engagement and conducts a formal review of the democratic structure of The Co-operators Group Limited.

Board developmentEvery year we hold an initial orientation and a follow-up session for new Directors. A competency-based Director Development Program was established in 2013 to support ongoing learning and enhanced governance performance. In addition, Directors participate in a number of internal education sessions throughout the year, which are structured to meet the development needs and interests of the Board.

A substantial training and development allowance is provided to Directors to fund participation in formal programs to support their individual development plan. A comprehensive website and Board of Directors Manual are in place as sources of reference information for all Directors.

Member-owner relationsThe Executive Vice-President, Member Relations and Corporate Services has the specific responsibility to liaise with member-owners to ensure ongoing, effective, two-way communication. In addition, member-owners receive regular updates on the company’s activities and finances throughout the year.

Board control of significant decisionsManagement is responsible for the day-to-day management and operations of the company. Major decisions, such as significant investment transactions, acquisitions, business arrangements or alliances must be submitted to the Board for prior approval. The Board annually reviews and approves the financial statements and strategic business plans for the company, and monitors its progress in achieving these plans throughout the year.


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The Audit Committee assists the Board in fulfilling its oversight of the quality and integrity of the system of internal controls and financial reporting practices of the Company. It plays a liaison role between the internal and external auditors, the Board and management. It evaluates the performance and independence of the internal and external auditors and reviews their audit reports and findings with respect to internal controls, accounting policies and disclosure of company affairs. The Committee also has a responsibility to oversee and monitor the compliance of the financial reporting policies and internal control processes that management puts in place, with accounting standards and applicable laws and regulations.

The Corporate Governance and Conduct Review Committee recommends policies and practices to (a) maintain high standards and best practices in corporate and co-operative governance and (b) enhance performance through Board and Director effectiveness (education and assessment) programs. On behalf of the Board, the Committee provides oversight to the Company’s compliance function; carries out responsibilities with respect to the Self-Dealing provisions of the Insurance Companies Act; and deals with any other matters mandated by or arising from the Act, as amended. In addition, it deals with matters involving conflicts of interest and the conduct of related parties to The Co-operators. The Committee also reviews and advises management on the Board of Directors budget.

The Member and Co-operative Relations Committee oversees the strategic initiatives that ensure we (a) deliver on our goal to be the insurance provider of choice for member-owner and co-operative clients and (b) play a leadership role in national and international co-operative communities. It oversees specific activities related to member participation, engagement and democratic functioning, including the decennial Democratic Structure Review. It also considers membership issues such as member engagement, recruitment, retention and termination. The Committee reviews strategies to foster strong member and co-operative relations and advance our co-operative identity with key stakeholders.

The Risk and Compensation Committee oversees our Enterprise Risk Management (ERM) Program and Own Risk and Solvency Assessment process; provides advice on strategic issues linked to our top risks; and discharges the Board’s responsibilities in relation to lending and investment programs. The Committee ensures that the Company’s responsibilities related to The Co-operators Retirement Plan are fulfilled; develops compensation programs for the Board of Directors and President and CEO, for the Board’s approval; administers the CEO compensation and performance management programs; and ensures that effective management succession plans are in place.

The Sustainability and Citizenship Committee provides oversight of the sustainability performance of The Co-operators group of companies. It reviews and recommends policies, strategies and annual plans to advance us toward our sustainability vision, and monitors strategy and policy implementation and stakeholder engagement. The Committee advises the Board on the sustainability impact of key decisions, as well as emerging sustainability issues, risks and opportunities. It also provides oversight of The Co-operators Foundation programs.

The following is a brief summary of the key responsibilities of the standing committees of the Board:

Committee Members

Audit John Harvie (Chairperson)Daniel BurnsDenis LaverdièreEmmet McGrathGordon Young

Corporate Governance and Conduct Review Johanne CharbonneauRoger Harrop Réjean Laflamme (Chairperson)Jim MacFarlane

Member and Co-operative RelationsDon AltmanPhil BaudinDenis BourdeauJack Wilkinson (Chairperson)

Risk and Compensation Dave AbelAlbert De BoerJim LaverickRichard LemoingAlexandra Wilson (Chairperson)

Sustainability and CitizenshipPaul Godin (Chairperson)Terry OttoAndré PerrasDave Sitaram

Resolutions Jack Wilkinson (Chairperson)Committee comprised of one delegate elected from each Region Committee.

BOARD OF DIRECTORS: COMMITTEES


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CORPORATE DIRECTORY

THE CO-OPERATORS GROUP LIMITEDPriory SquareGuelph, ON N1H 6P8Phone: (519) 824-4400Fax: (519) 824-0599E-mail: [email protected]

Kathy BardswickPresident and Chief Executive Officer

Carol Hunter Executive Vice-President, Member Relations and Corporate Services

Rick McCombieExecutive Vice-President, Distribution and Insurance Operations

Carol PoulsenExecutive Vice-President and Chief Information Officer

Rob WesselingExecutive Vice-President,National P&C Product, The Co-operators and Chief Operating Officer,The Sovereign General Insurance Company

P. Bruce WestExecutive Vice-President, Finance and Chief Financial Officer

ADDENDA CAPITAL INC.98 Macdonell St. 4th floorGuelph, ON N1H 2Z6Phone: (519) 767-3077Fax: (519) 824-7040www.addenda-capital.com

Michael WhitePresident and Chief Executive Officer

CO-OPERATORS GENERALINSURANCE COMPANYPriory SquareGuelph, ON N1H 6P8Phone: (519) 824-4400Fax: (519) 824-0599E-mail: [email protected]

Kathy BardswickPresident and Chief Executive Officer

Carol Hunter Executive Vice-President, Member Relations and Corporate Services


Carol PoulsenExecutive Vice-President and Chief Information Officer

Rob WesselingExecutive Vice-President,National P&C Product, The Co-operators and Chief Operating Officer,The Sovereign General Insurance Company

P. Bruce WestExecutive Vice-President, Finance and Chief Financial Officer

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(CGIC CONTINUED) REGION VICE-PRESIDENTS

Christianne DostieQuebec Region3080 le Carrefour Blvd, Suite 700Laval, QC H7T 2R5Phone: (450) 978-8077Fax: (450) 688-3915

Mark FeeneyCentral Ontario Region1720 Bishop AvenueCambridge, ON N1T 1J4Phone: (519) 618-1216Fax: (519) 623-9943

Terry McRorieBritish Columbia/Manitoba/Saskatchewan Region101–2455 Millstream RdVictoria, BC V9B 3R5Phone: (250) 915-1400

Chris RossAlberta Region5550 1 St. SWCalgary, AB T2H 0C8Phone: (403) 221-7141Fax: (403) 221-7106

Don ViauNorth East and West Ontario Region1547 Merivale Road, Ste. 400Nepean, ON K2G 4V3Phone: (613) 683-1327Fax: (613) 727-2607

Dan WatchhornAtlantic Region10 Record StreetP.O. Box 890Moncton, NB E1C 8N9Phone: (506) 853-1277Fax: (506) 853-1355

THE SOVEREIGN GENERAL INSURANCE COMPANYSovereign Centre140, 6700 MacLeod Trail SECalgary, AB T2H 0L3Phone: (519) 767-3053Fax: (519) 824-0599www.sovereigngeneral.com

Rob WesselingChief Operating Officer, The Sovereign General Insurance Company and Executive Vice-President, National P&C Product, The Co-operators

CO-OPERATORS LIFEINSURANCE COMPANY1920 College AvenueRegina, SK S4P 1C4Phone: (306) 347-6218Fax: (306) 347-6801www.cooperators.ca

Kevin DanielExecutive Vice-President and Chief Operating Officer

THE CUMIS GROUP LIMITED151 North Service Road, P.O. Box 5065Burlington, ON L7R 4C2Phone: (905) 631-4888Fax: (905) 632-6871www.cumis.com

Kevin DanielPresident and Chief Operating Officer

Bob HaguePresident, Credit Union Distribution

FEDERATED AGENCIES LIMITEDPriory SquareGuelph, ONN1H 6P8Phone: (519) 767-3017Fax: (519) 824-0599 www.federatedagencies.ca


H.B. GROUP INSURANCE MANAGEMENT LTD.

COSECO INSURANCE COMPANY5600 Cancross CourtMississauga, ON L5R 3E9Phone: (800) 387-1963www.cooperatorsgroupinsurance.ca


The Co-operators, Priory Square, Guelph, ON N1H 6P8Phone: (519) 824-4400 / Fax: (519) 824-0599 / www.cooperators.ca / [email protected]

Available in French ~ Disponible en français COM333 (04/14)

Documents

The Co-operators Group 2013/media...Company Profile / Organizational Chart 4 Consolidated Highlights / Three-Year Review 5 Letter to Member-Owners, Policyholders and Shareholders 6