Joanne Brown

In my final message to you as President, I would like to take this opportunity to sincerely thank the many people who have supported and offered me direction throughout the past year, in particularly CEO Jeff Bear and my fellow Council Members. I would also like to express my appreciation and thanks to all the RIBO staff members for their professionalism, dedication and hard work. RIBO´s efficiency is a tribute to our collective effort to fulfil our mission to serve the public while guiding the profession. It has truly been a pleasure working with everyone and I look forward to next year where I will continue to serve on Council as a Past President.

It is with sadness that we have to say good bye to two of our Past Presidents who will be retiring from Council this fall. Both Art Despard and Lorie Guthrie Phair have dedicated a number of years to RIBO for which we are indebted. I would like to extend my personal appreciation to both Lorie and Art for their tremendous support and guidance given to me during my year as President. I wish them every success in their new endeavours.

By now you should have received an important package from RIBO containing: election material, a copy of the Annual Report and a Notice of Meeting for the Annual General Meeting in November. If you have not received this package, please contact Susan MacKenzie at the RIBO office.

As a member of RIBO we encourage you to take the time to read the Annual Report as it presents a synopsis of our year, along with our financial statements. The pages outline the work carried out by a dedicated Council and staff in our mission to protect the public and regulate the profession. Should you have any questions or comments after reading the Report, please feel free to contact any Council or staff members.

We always encourage you to read through the election material very carefully to ensure that your ballot is properly completed. Ballots incorrectly filled out cannot be counted. As independent brokers we fought long and hard to have, and continue to fight to maintain, self-regulation. Please show your support by exercising your right to vote. I urge you to return your ballot no later than November 4^th at 4 p.m.

Council and staff are always interested in meeting and talking with our membership. In the next few months there will be two excellent opportunities to do just that: at our booth at the IBAO Annual Convention (October 23-24) and at RIBO´s Annual Meeting on November 7. If you can attend either event, please do come by and say hello.

Yours truly,

Art Langley
Chairperson

It is hard to believe that this is my last report to you as Qualification and Registration Chair. I hope everyone had a wonderful summer.

Please take the time to read the notice in Important Notice to Principal Brokers. It is vital in this difficult time within our industry to keep up proficiency standards and protect the public. Allowing an unlicensed individual to deal with the public may have severe consequences on your errors and omission coverage.

I am happy to report that the reciprocity agreement with the Financial Services Commission is now in place. An agent who has consistently been licensed for at least six months may make an application to RIBO to write our equivalency exam on the RIBO Act, Regulations and By-laws.

We require that they forward to us an updated resume along with a copy of their Agent´s license. We will then send the the appropriate application kit. Any broker wishing to become an agent should contact the FSCO´s Agents-Adjusters Branch.

It gives me great pleasure to congratulate this year´s winner of the Chris Ward Award Robert Morris of Robert J. Morris Insurance Consulting Ltd. This award is presented in memory of RIBO´s late president Christopher J. Ward, to the individual who receives the highest mark on the first attempt at both sections of the Level II examinations. We look forward to presenting Mr. Morris with the award at our Annual Meeting in November.

The deadline for completing your continuing education credits was September 30, 2002. Those who did not comply will have their license suspended and their names published in both the winter editions of the Bulletin and Continuing Education Summary. If you have any questions concerning education, please consult the Continuing Education Summary, or contact Vivian Lee.

In the last three months we´ve had had 47 requests for secondary business exemptions. All but one were granted. The exemption breakdown was as follows: 16 individuals were granted exemptions to sell financial products, 31 individuals were granted other secondary business exemptions. There were no requests to waive Level 1 or Level II exams.

It has been a pleasure serving as your Qualification and Registration Chair this year. Thanks for your support.

• When you phone or write RIBO for inquires, please provide your full name as printed on your registration and your RIBO number.
• If you have a staff room or a staff bulletin board in your office, please post the Continuing Education Requirements and the current Continuing Education Summary and Bulletin.
• Set up a library of RIBO publications and industry documents. This should include Continuing Education Summaries, Bulletins, Annual Reports, RIB Act and Regulations, Code of Conduct binder and all other relevant industry documents.

Thursday, November 7, 2002
MARK YOUR CALENDAR

The Twentieth Annual General Meeting of the membership of the Registered Insurance Brokers of Ontario will take place on Thursday, November 7, 2002, starting at 2:00 p.m. at Toronto´s Grand Hotel.

A formal notice of meeting, annual report and proxy form has been mailed to each registrant in good standing.

Besides the usual business covered at every Annual Meeting, you will have an opportunity to meet and talk with this year´s Council members, incoming members, senior management and many other valuable members of the RIBO staff.

All registrants in good standing are eligible to attend and to vote on matters brought before the meeting. A list of members who are qualified to vote will be available for review in the RIBO office during business hours.

Any member unable to attend the meeting is encouraged to submit a proxy to register their vote on questions that may be raised at the meeting.

The winner of this year´s Chris Ward Memorial Award is Robert Morris of Robert J. Morris Insurance Consulting Ltd. This award is presented in memory of RIBO´s late president Christopher J. Ward, to the individual who receives the highest mark on the first attempt at both sections of the Level II examinations.

The Council and staff would like to congratulate Mr. Morris on his achievement. A formal presentation of this award will be made at the Annual Meeting on Thursday, November 7.

Experience teaches us that brokers should exercise caution when dealing with "broker-of-record" letters. A broker should not accept such a letter without first checking with the intended insurer to make sure a quote will be offered to the new broker. Once a broker "files" a broker-of-record letter, that broker accepts responsibility for the client´s insurance needs. A broker should be aware that the insurers normally provide the incumbent broker with a grace period in which to have the letter withdrawn by the client.

The public could be in danger of losing their coverage if brokers fail to check with their insurers first before accepting and filing a broker-of-record letter. A client could be cancelled if the original insurer withdraws subsequent to the filing of a broker-of-record letter.

RIBO CEO Jeff Bear has been named the Chair of the Canadian Insurance Services Regulatory Organizations (CISRO) for the 2002-2003 term. CISRO is the national organization for provincial regulators of insurance intermediaries.

Real estate brokers have been approaching insurance brokers to enter into this partnership agreement. The Professional Development Committee reviewed the document and found that five of the conditions do not comply with the Code of Conduct.

November 4, 2002 is Election Day. Every member in good standing is entitled to vote for up to three candidates. You have received a nomination book, including information about each candidate up for election.

Please follow the instructions outlined on the back of the return envelope. All ballots must be received at the RIBO office by 4:00 p.m. on November 4, 2002.

EXERCISE YOUR RIGHT TO VOTE!!

CAUTION: While the information contained below is public, members should take caution that inappropriate use of this information may be considered to be misconduct.

Jerry Benjamin
Registration Number: R00700
Holland Landing, Ontario

MISCONDUCT: Ont. Reg. 991, ss. 14(1); 16(5)

PARTICULARS OF THE COMPLAINT

• Jerry Benjamin failed to discharge his duties to clients, members of the public, fellow members and insurers with integrity and failed to disburse trust monies in accordance with the provisions of s. 16 of Ont. Reg. 991.
• On a number of occasions, Mr. Benjamin accepted premium monies from clients, but did not remit these monies to his employer brokerage, nor to the insurer.
• On another occasion, Mr. Benjamin bound coverage on behalf of a client, provided a certificate of insurance, but failed to advise the insurer of the bound coverage.

DISCIPLINE COMMITTEE´S DISPOSITION (06/06/02)

• The Discipline Committee found Jerry Benjamin guilty of the alleged misconduct.
• The Certificate of Registration of Jerry Benjamin was revoked effective June 6, 2002.

Louis J. Cimini
Registration Number: R02026
Toronto, Ontario

MISCONDUCT: Ont. Reg. 991, s. 14(1)

PARTICULARS OF THE COMPLAINT

• Louis J. Cimini failed to discharge his duties to clients, members of the public, fellow members and insurers with integrity.
• Mr. Cimini added a commercial vehicle belonging to one of his clients to a fleet policy of another one of his clients, with the knowledge that the parties had no insurable interest in each other nor their respective vehicles, and without either parties´ knowledge or consent.

DISCIPLINE COMMITTEE´S DISPOSITION (07/18/02)

• The Discipline Committee found that there was sufficient evidence in support of a plea of guilty entered by Louis J. Cimini to the allegations, and found Louis J. Cimini guilty of the alleged misconduct.
• The Discipline Committee reprimanded Mr. Cimini for his conduct in this matter.
• In addition, the Certificate of Registration of Louis J. Cimini was suspended for a period of 60 days.

John D. Bell
Registration Number: I00663
Toronto, Ontario

MISCONDUCT: Ont. Reg. 991, ss 14(1); 16(5)

PARTICULARS OF THE COMPLAINT:

• John D. Bell failed to discharge his duties to clients, members of the public, fellow members and insurers with integrity and failed to disburse trust monies in accordance with the provisions of s. 16 of Ont. Reg. 991.
• Mr. Bell accepted premium monies from a client, but did not remit these monies to his employer brokerage, nor the insurer in a timely fashion.
• Mr. Bell eventually did reimburse the employer brokerage the amount, which was not originally remitted.

DISCIPLINE COMMITTEE´S DISPOSITION (07/18/02)

• The Discipline Committee found that there was sufficient evidence in support of a plea of guilty entered by John D. Bell to the allegations, and found Mr. Bell guilty of the alleged misconduct.
• Mr. Bell was reprimanded for his conduct in this matter.
• In addition, the Certificate of Registration of John D. Bell was suspended for a period of 30 days.

A CONSENT BEING RECEIVED IN THE FOLLOWING MATTER, THE DISCIPLINE COMMITTEE MADE THE FOLLOWING ORDER:

Helen Sophia Carr
Registration Number: R01732
Richmond Hill, Ontario

MISCONDUCT: Ont. Reg. 991, s. 14(1)

PARTICULARS OF THE COMPLAINT:

• Helen Sophia Carr failed to discharge her duties to clients, members of the public, fellow members and insurers with integrity.
• On a number of occasions, Mrs. Carr created negative endorsements and policy cancellations without the knowledge or consent of her clients or her employer brokerage in order to create credits which in turn produced refund cheques which she endorsed and deposited to her own bank account.

DISCIPLINE COMMITTEE´S DISPOSITION (06/06/02)

• The Discipline Committee approved the Consent agreement between RIBO and Helen Sophia Carr.
• The Certificate of Registration of Helen Sophia Carr was revoked effective June 6, 2002.

The Accreditation Committee, composed of volunteer brokers and education professionals along with RIBO staff, works hard to properly screen the course material approved for continuing education credits. This committee, however, also has a monitoring and evaluation function.

It is logistically impossible for RIBO personnel to attend or "audit" every presentation, so we would greatly appreciate hearing from broker attendees regarding the quality or suitability for continued accreditation of any courses taken. There are already examples of courses that have been de-certified following feedback from brokers. We would invite you to drop us a line with your comments.

Over the last few months it has come to our attention that brokerage firms are allowing employees who have recently passed their examinations to undertake broker defined duties. Until an individual receives their license certificate, RIBO considers them "unlicensed". It is the responsibility of the principal broker to prevent this unauthorized practice. Failure to do so is an act of misconduct. Please refer to Regulation 991, section 14, 12 and section 15 (1) 16.

Please ensure that your office follows the proper procedures with all new RIBO candidates.

Additions

3056	HAWKINS MATUSINEC BYERS INSURANCE BROKERS INC.	DRAYTON
3057	THE PROLINK INSURANCE GROUP INC.	TORONTO
3061	KEY INSURANCE BROKERS O/B 1524940 ONTARIO INC.	SIMCOE
Deletions
77	ARMSTRONG INSURANCE BROKERS LTD.	BARRIE
91	ASSURANCE DE MONTIGNY INS. BRKS, O/B 631262 ONT. LIMITED	KAPUSKASING
147	L. BEATON INSURANCE BROKERS INC.	SUDBURY
384	HAAS & ASSOCIATES INSURANCE BROKERS LTD.	LONDON
426	CLAVEL JARVIS INSURANCE A DIV OF NORM CLAVEL INS INC.	HAMILTON
516	D & D INSURANCE BROKERS LIMITED	OTTAWA
780	JOSSLIN INSURANCE BROKERS (KITCHENER) LIMITED	KITCHENER
791	GERVAN & ASSOCIATES INSURANCE BROKERS LTD.	PORT MCNICOLL
946	HELSDON & METCALFE INSURANCE BROKER LTD	TILLSONBURG
1025	HYATT INSURANCE BROKERS O/B 1118632 ONTARIO INC.	CALLANDER
1256	LINK INSURANCE LIMITED	SARNIA
1486	WIL MERCER INSURANCE	DON MILLS
1534	MOONEY INSURANCE BROKERS LTD.	TILLSONBURG
1589	NAPIER & THOMAS INSURANCE BROKERS LTD.	SUDBURY
1739	PHAIR INSURANCE BROKERS (WALLACEBURG) LIMITED	WALLACEBURG
2703	HQZ BOTTOM LINE INSURANCE BROKERS LIMITED	CORNWALL
2758	WM B MATHER INSURANCE LTD.	TORONTO
2915	TRILLIUM INSURANCE BROKERS INC.	NORTH YORK
2920	DORLING-FREEMAN INSURANCE BROKERS INC.	ETOBICOKE
2934	BAYVIEW INTERNATIONAL INSURANCE BROKERS INC.	MISSISSAUGA
3004	J. PIGEON ASSURANCE/INSURANCE 3817903 CANADA INC.	OTTAWA

President	Past President
Joanne Brown Tel: (416) 394-4503 Marsh Canada Limited 70 University Ave., Suite 800 Toronto, Ontario M5J 2M4 Fax: (416) 815-3361	Art Despard Tel: (416) 868-5500 Aon Reed Stenhouse Inc. 20 Bay St., Suite 2400 Toronto, Ontario M5J 2N9 Fax: (416) 868-5580
Vice President	Secretary
Arthur Langley Tel: (705) 474-2420 Demarco-Lucenti Insurance Brokers Limited 669 Cassells Street North Bay, Ontario P1B 4A1 Fax: (705) 474-9089	Jack Baizana Tel: (613) 225-7722 Jack Baizana Insurance Brokers Ltd. 1390 Prince of Wales Dr. Ottawa, Ontario K2C 6N6 Fax: (613) 226-2781
Treasurer
Lorie J. Guthrie Phair Tel: (416) 487-5200 Guthrie Insurance Brokers 505 Consumers R. Suite 308 Toronto, Ontario M2J 4V8 Fax: (416) 487-4614
Members
*James Chestnutt Tel: (905) 277-2990 4076 Deer Run Court Mississauga, Ontario L5C 3P2 Fax: (905) 277-0639	Barry Downs Tel: (416) 366-5243 Partners Indemnity Insurance Brokers Ltd. 10 Adelaide St. East, Suite 400 Toronto, Ontario M5C 1J3 Fax: (416) 862-2416 barry@partnersindemnity.com
Toots Everley Tel: (807) 727-3336 Canada Brokerlink (Ontario) Inc. 179 Howey Street, Box 39 Red Lake, Ontario P0V 2M0 Fax: (807) 727-3750	Rod Finlayson CG & B Group Inc. 120 South Town Centre Blvd. Markham, ON L6G 1C3 Tel: (905) 479-6670 Fax: (905) 479-9164
*Al J. Hawco Tel: (613) 826-2804 3311 Warner Way Osgoode, Ontario K0A 2W0	*Hassan A. Jaffer Tel: (416) 283-7468 70 Baronial Court West Hill, Ontario M1C 3J7 Fax: (416) 724-8001
*Gloria Shan Tel: (416) 923-9222 449 Walmer Rd., Apt. 705 Toronto, Ontatio M5P 2X9 Fax: (705) 474-9089	Bonnie Warder Davis & McLay Insurance Brokers Limited Box 12, R.R. #1 2845 HWY #6 Lion's Head, Ontario NOH 1WO Tel: (519)793-3322 Fax: (519)793-3901

*Public members are appointed by the Lieutenant Governor-in-Council to represent the public interest.

RIBO Office: (416) 365-1900 or 1-800-265-3097 Fax: (416) 365-7664
P.O. Box 45, 401 Bay Street, Suite 1200, Simpson Tower, Toronto, ON M5H 2Y4

Receptionist - Madeline Ross
General Manager - Jeff Bear (jeff@ribo.com)
Secretary - Lise Clements (lise@ribo.com)

ADMINISTRATION & FINANCE
Manager - George Martin (george@ribo.com)
Accounting & Data Supervisor
Registration/Data Entry - Irene Chung (irene@ribo.com), Erica Lo (erica@ribo.com), Karla Poirier (karla@ribo.com), Teresa Novak (teresa@ribo.com)

COMPLAINTS & INVESTIGATIONS
Manager - Tim Goff (tim@ribo.com)
Complaints Officer - Sharon Bentley (sharon@ribo.com)
Senior Investigators - Nadine Austin (nadine@ribo.com), Crystal Skyvington (crystal@ribo.com)
Secretary - Angela Daley (angela@ribo.com)
Co-ordinator - Diana Campoli (diana@ribo.com)
Financial Investigators - Michael Buck (michael@ribo.com),
Filomena Scampoli (filomena@ribo.com)

CORPORATION LEGAL SERVICES
In-house Legal Counsel - Bradley Nairn (bradley@ribo.com)
Secretary - Angela Daley (angela@ribo.com)

MARKETING & COMMUNICATIONS
Communications Co-ordinator - Susan MacKenzie (susan@ribo.com)

QUALIFICATION & REGISTRATION
Manager - Lilian Croucher (lilian@ribo.com)
Assistant - Vivian Lee (vivian@ribo.com)
Secretary - Margot Bolin (margot@ribo.com)
Clerk - Laurie Reynolds (laurie@ribo.com)