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Co-operative Hail Insurance Company Ltd.

5% Dividend

Co-op Hail's Board of Directors are pleased to announce a dividend payment after a successful 2011 underwriting year. The dividend will be paid to all 2011 policyholders with at least 50% being paid in cash and the remainder paying up your share capital to a maximum of $500.

AGENT CENTER

"Hailquotes is now available for 2012 Application Entry"

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The production and financial risks facing the agricultural industry today are many. With continual changes to government programs, market fluctuations and rising input costs, effective risk management is an integral part of any farming operation. The economic effect of a hail loss can be devastating.

remains a true co-operative, specializing in hail insurance since 1947. For over a half a century we have been committed to providing a sound risk management program to the grass root agricultural community.

We remain committed to our original roots focusing on what we do best, servicing the agricultural community's of Saskatchewan and Manitoba.

At Co-op Hail our goal has never changed in that we endeavor to provide hail insurance at cost to our members. We strive to achieve those objectives through:

100% member owned
dividend policy in profitable years
maintain strong reserves
protect capital through an adequate reinsurance protection program

Definition of Hail

Precipitation in the form of transparent or partially opaque balls or irregular lumps of concentric ice, and does not include sleet, snow and frozen or partly frozen rain. Hail forms in cumulonimbus clouds when super cooled water droplets freeze on contact with condensation nuclei, such as dust or dirt.

Notables for 2012