Commission and Disclosures Statement

Edwards Insurance Brokers receives remuneration from these insurers for the tasks we perform for the insurers. Our remuneration is a percentage of the insurance premium paid, and covers the services we provide the insurers. We also may receive payment based on the profitability of the business placed with these insurers. We also may receive an annual fee from the premium finance facility introduced to you by Edwards Insurance Brokers for the financing of your insurance premium. Lastly, Edwards Insurance Brokers has secured an operational loan from Aviva Insurance Company which is in full compliance with all regulatory requirements.

Personal and Commercial Lines - Automobile and Property Insurance

The following are the ranges of commission provided by the insurers listed

• ACE INA: 12.5% - 20%
• Aviva: 12.5% - 20%
• AXA Canada: 12.5% - 20%
• Berkley Canada: 15% - 20%
• BI&I: 10.0% - 20%
• Chartis Insurance Company of Canada: 10% - 20%
• Chubb: 12.5% - 20%
• CNA: 12.5% - 20%
• Dominion of Canada General Insurance Company — 12.5% - 20%
• Echelon General Insurance Company: 5% - 20%
• Elite Insurance Company: 12.5% - 20%
• Gore Mutual: 12.5% - 20%
• Great American Insurance Companies: 15% - 20%
• Guarantee Company of North America: 12.5% - 20%
• Intact Insurance: 12.5% - 20%
• Royal and SunAlliance Facility: 10%*
• Trisura Guarantee: 10% - 20%
• Unica Insurance Company: 12.5% - 20%
• Waterloo Insurance Company: 10% - 17.5%

This commission percentage is paid annually for both new business and renewals. Should there be an increase in the commission schedule we receive from your insurer, or, any other material change that affects compensation arrangements, we will notify you.

* Personal Lines Commission is capped at $250.00