Spring 2020 Page 16 City of Prince George UBCM

Agenda Procedure Item (11)

______

Village of Kaslo: Circulation Package for 2020

Table of Contents Page 2 Village of Kaslo Newsletters Page 14 Recreation Grants -Spring 2020 Page 16 City of Prince George UBCM 2020 Resolution Page 18 City of Burnaby UBCM 2020 Resolutions Page 29 BC Rural Health Network April 2020 Page 36 Kaslo and Area Chamber News March 2020 Page 43 Kaslo Library Increased Digital Services Page 44 CKISS Minutes 2020.03.05 Page 50 Columbia River Treaty - 2020.03.19 Page 56 FCM Page 60 MIABC 2019 Annual Report Page 116 CARO – Drinking Water Reports

Filing ref P:\AGENDAS & MEETINGS\MINUTES COUNCIL\2019\PACKAGES

Outdoor Burning Ban Village of Kaslo The Ministry of Environment imposed a ban on open res in NEWS High Smoke Sensitivity Zones until April 15, 2020. Under the Village’s re bylaw, this ban also prohibits burning grass, brush PO Box 576, Kaslo V0G 1M0 and yard waste, and camp res. Email: [email protected] As of April 16, 2020, a province-wide Phone: 250-353-2311 ban on Category 2 and 3 open res, Resource Management open res, the use of reworks, the use of sky lanterns, and the use of burn 2020 Yard and Garden barrels or burn cages of any size or description will come into eect until further notice. These prohibitions apply to all Debris Pick-up in Kaslo! public and private land within British Columbia. The Village of Kaslo will be picking up organic yard and garden The Village’s full ban on outdoor open burning will continue.

tidy up yards and adjacent boulevards on: Tuesday, April 21 for lower Kaslo, and south of Kaslo River Village Closures & Info Wednesday, April 22 for upper Kaslo, and Kaslo Bay area The municipal campground is closed until at least May 30th. The skate park, playground and ball eld are also closed until Please make a note on your calendar, further notice. Unfortunately it is not possible to maintain and a few things to keep in mind are: social distancing at these facilities, and surfaces are not Absolutely no garbage mixed in with garden trimmings – sanitized. All provincial and regional parks are also closed. anything other than garden organics will not be picked up; If you use the trails, be courteous and Leaves, dead plants and grass trimmings must be bagged in cooperative by stepping at least 2 metres compostable bags available for purchase in quantity at local aside to let others pass. Keep your dog on retail outlets; a leash and under your control. Although dogs do not appear to get sick from the 2 METRES Small branches must be cut to lengths less than 6 feet and virus, they may carry it. Your dog’s wet bundled. nose or licks probably won’t be appreciated by strangers! • Ensure adequate access for equipment. Avoid the back country because if you get into trouble you’ve • Everything must be ready for pick-up put search and rescue and emergency services at even greater from your boulevard or lane by 7am on risk. Reduce the risk: STAY HOME, STAY SAFE! the appointed day for your area. Let’s be kind. Sometimes people just need a • Wait until April 19 to place your debris gentle reminder on appropriate social distancing by the curb. It will not be collected early. behaviour. If you see people out together, they probably live together. Please do wave and say Any questions? hello. Show o your clean hands. The Village O ce is closed, but we’re still working for you: 8am-noon and 1-4pm weekdays! City Hall is closed to the public except by appointment. If you have an appointment, please ring the doorbell by the side entrance. Village administrative sta are available by phone or email to Garbage & Recycling answer your questions: Email [email protected] or Phone You can put out one household garbage bag or 250-353-2311 ext. 101, or drop a letter in our mailbox. Building container for curbside collection on Tuesdays permit questions can be emailed to [email protected] or without a garbage tag. We appreciate the great Phone 1-800-268-7325. Our Public Works crew continues to job the KWS team is doing under dicult work hard ensuring essential services are delivered and our circumstances! Please cooperate by ensuring infrastructure is maintained. The crew are observing social the trash you put out is properly bagged and distancing practices, too, so if you see anything that needs all recyclable containers have been cleaned. their attention, please contact Village administration. Do you need bag tags for excess trash? Contact the oce to Get on our email list to receive updates by sending your name and email to [email protected]. arrange payment or send a cheque to “Village of Kaslo” and we can mail them to you or visit the Husky to purchase them there. Tags are $30 per sheet of 10. 2020 Budget Process The Village budget process is underway and Council is consider- The RDCK transfer station is open Tuesday, Friday and Sunday ing a zero-tax increase budget, which would actually reduce the from 9:00 am to 3:00 pm. Please visit www.rdck/covid-19 for Village portion of the tax rates by 4.8%. There will also be the latest information on acceptable items and quantities. electronic options to apply for the Home Owner Grant and make Free yard waste drop-o will be available in May. payments. The budget and tax rates will be nalized in early May. Thank-you to all front-line workers, health professionals and others working tirelessly to keep us safe! Village of Kaslo Box 576, Kaslo, BC V0G 1M0 Tel. 250-353-2311 ext. 101 E-mail: [email protected] News http://www.kaslo.ca

2020.04.09

Village Update #3 RE: COVID-19

Message from Mayor Hewat

As we go into the Easter long weekend, I would like to reflect on the effect COVID -19 has had on our community and how we can support each other through this difficult time.

Our front-line health care workers have been here to look after all of us. They face daily risks to their physical and mental well being. They deserve our sincere appreciation, respect and support.

Many of our local businesses have closed due to provincial orders to do so. This has left many members of our community without jobs and put businesses at risk. Those that remain open have adjusted their hours and have done an amazing job of putting social distancing measures in place to protect their staff and customers. They are doing all they can to ensure we have what we need locally.

We have seen members of our community step up, volunteering to shop and run errands for the vulnerable or for those in self-isolation.

All levels of government have been working together, as have organizations such as the Federation of Canadian Municipalities and Union of BC Municipalities, to find ways to help those most affected.

Locally, municipal staff have been participating in weekly calls with the Emergency Operations Centre out of Nelson to discuss the issues on the ground. CAO Dunlop and I have also been on weekly calls with Hon. Selina Robinson, Minister of Municipal Affairs and Housing to get updates and to discuss issues as they arise.

Council has also been working with staff to find areas in the budget to make reductions that will ease the burden on taxpayers this year, while still maintaining the services that residents expect. We are also hoping to be able to undertake some projects that may provide local employment later in the year. These would be funded through a combination of grants and reserve funding.

What can you do to support your community now and into the future? • Offer to run errands for a neighbour who can’t get out themselves. • Call those that you know who are alone and would like to hear a friendly voice. • Help with chores for those who are unable to do them or to afford to hire someone. • Donate to or volunteer at our local food hub. • Shop locally now and in the future to assist with our community recovery.

In comparison to what is being done by those working front-line and essential jobs, and the volunteers in our community, our individual task this weekend and beyond is easy—Please stay home. If you must go out, keep your distance, be courteous, kind and thankful for where we are and what we have.

Take care of each other and be well.

Mayor Suzan Hewat

SIMPLE ACTIONS CAN STOP THE SPREAD OF COVID-19

2 METRES

WASH YOUR HANDS KEEP THE DISTANCE

Outdoor Burning Ban Continues

The Ministry of Environment imposed a ban on open fires in High Smoke Sensitivity Zones until April 15, 2020. Under the Village’s fire bylaw, this ban also prohibits burning grass, brush and yard waste, and campfires. As of April 16, 2020, a province-wide ban on Category 2 and 3 open fires, Resource Management open fires, the use of fireworks, the use of sky lanterns, and the use of burn barrels or burn cages of any size or description will come into effect until further notice. These prohibitions apply to all public and private land within British Columbia. The Village’s full ban on outdoor open burning will continue.

These open burning prohibitions will reduce demands on firefighting resources and help protect the health and safety of the public, as well as BC Wildfire Service staff. They will also help reduce the impact of wildfire smoke on air quality and public health during the COVID-19 pandemic.

The Village’s Spring Yard Waste collection is coming up on April 21-22. Please take advantage of this opportunity to dispose of yard waste. Pile the debris neatly on the boulevard in front of your home for pick up by the crew a day or two before collection.

Mandatory Self-isolation

As of March 25, it is mandatory for people returning from travel outside of Canada to self-isolate for 14 days. Yesterday, Premier Horgan announced that all international travellers returning to the province who do not have a plan for self-isolation will be placed in accommodation for 14 days. Self- isolation after domestic travel is also highly recommended. This order does not apply to essential business workers, such as transport truck drivers, who must cross the border as part of their job. Such workers must maintain good hygiene, distancing, and self monitor for symptoms.

Now is not the time to go on a grand road trip! For the sake of the health of all in our community, please don’t invite friends and family to visit Kaslo or rent accommodations to strangers during this time. Stay home unless you need to go to work or get supplies.

Reminder of Village Closures and to Maintain Social Distance

The municipal campground is closed until at least the end of May. The skate park, playground and ball field are also closed until further notice. All provincial and regional parks are also closed.

If you go on the trails this weekend, be courteous and cooperative by stepping at least 2 metres aside to let others pass. Keep your dog on a leash and under your control. Although dogs do not appear to get sick from the virus, they may carry it. Your dog’s wet nose or licks probably won’t be appreciated by strangers! Avoid the back country because if you get into trouble you’ve put search and rescue and emergency services at even greater risk.

Let’s be kind. Sometimes people just need a gentle reminder on appropriate social distancing behaviour. If you see people out together, they probably live together. Please do wave and say hello.

Support for Businesses

Our retailers are doing an amazing job serving customers during this difficult time, and Kaslovians are being respectful and mindful of the protocols they have in place.

The Community Futures Central Kootenay website is an excellent resource for information on the programs and support available for small businesses. They also offer free business consultation, access to low-interest financing, and planning tips. https://futures.bc.ca/

The province announced local property tax relief for commercial property owners by cutting the school tax rate in half. Filing deadlines for sales taxes and EHT have also been extended. https://www2.gov.bc.ca/gov/content/taxes/tax-changes/covid-19-tax-changes

The North Kootenay Lake Rural Revitalization Program was already underway when the pandemic emerged. This project is overseen by the Kaslo & Area D Economic Development Commission and funded with the support of Ministry of Economic Development and the Columbia Basin Trust. The outcome will be an economic development and marketing strategy for the Village of Kaslo and RDCK Area D. The timely project’s focus is already shifting towards response and recovery, looking at how we can best support our local Chamber of Commerce, businesses and entrepreneurs in the months to come. Some businesses and residents have already participated in the initial workshops and surveys. There’s more to come! https://www.facebook.com/NORTHKOOTENAYLAKE/

Support for Individuals

You may be eligible for the Canada Emergency Response Benefit (CERB) if you are out of work due to COVID-19. Visit the CERB website to see if you qualify and apply. To keep call and website volumes manageable, you should apply on the day of the week corresponding to your birth month:

If you were born in the month of Apply for CERB on January, February, or March Mondays April, May, or June Tuesdays July, August, or September Wednesdays October, November, or December Thursdays Any month Fridays, Saturdays and Sundays

Visit: https://www.canada.ca/en/revenue-agency/services/benefits/apply-for-cerb-with-cra.html Or call: 1-800-959-2019 or 1-800-959-2041 You will need to provide your Social Insurance Number and Postal Code.

Waste Collection and Transfer Station

You can put out a garbage bag or container for Village curbside collection on Tuesdays without a garbage tag. We appreciate the great job the KWS team is doing under difficult circumstances! Please cooperate by ensuring the trash you put out is properly bagged and all recyclable containers have been cleaned. Do you need bag tags for excess trash? Contact the office to arrange payment or send a cheque to “Village of Kaslo” and we can mail them to you or visit the Husky to purchase them there. Tags are $30 per sheet of 10.

The RDCK Kaslo Transfer Station is staffed regular hours and continues to accept reasonable amounts of residential waste at no charge but are NOT accepting metal, construction or demolition waste, garden waste, or tires unless you have a commercial account. Please consider if your trip is essential, such as waste that has the risk of attracting pests or going rancid, or if it can wait. Do NOT visit a facility if you are feeling unwell, experiencing flu-like symptoms or have been potentially exposed to the coronavirus.

Village Office Closed to Public – We are available by phone or email

City Hall is closed to the public except by appointment. If you have an appointment, please enter City Hall by the side entrance. Ring the doorbell if it is locked. Village administrative staff are available by phone or email to answer your questions: Email [email protected] or Phone 250-353-2311 ext. 101, or drop a letter in our mailbox. Building permit questions can be emailed to [email protected] or Phone 1-800-268-7325. Our Public Works crew continues to work hard ensuring essential services are delivered and our infrastructure is maintained. The crew are observing social distancing practices, too, so if you see anything that needs their attention, please contact Village administration.

Get on our email list to receive updates by sending your name and email to [email protected].

Village Budget

Council had a special budget meeting on Tuesday, April 7 to review the latest draft of the Village’s 2020 budget. Staff presented a zero-tax increase budget, which would result in the Village portion of property tax rates going down by 4.8%. The net tax change for individual property owners depends

on how much your property value assessment went up or down this year, as shown on the 2020 BC Assessment notice you received in January. The Village budget will be finalized in early May.

We are still planning a variety of projects this year including some construction projects to support local jobs through grants and using some reserve funds. But unlike the provincial or federal government, municipalities cannot run deficits to fund their operations. We, too, hope the higher levels of government will offer support to us as we deal with economic uncertainties, such as, what if people simply can’t afford to pay their property tax bill this year?

There is already a provincial program in place to help people over 55 or families with children to defer payment property taxes. If you have equity in your home, tax can be deferred (paid in future) through a low-interest loan lien on your property. Visit https://www2.gov.bc.ca/gov/content/taxes/property-taxes/annual-property-tax/defer-taxes for more information.

To make payment easier and reduce the need to visit the Village Office to pay taxes and apply for your Home Owner Grant, you’ll be able to apply for your grant online and we’ll be expanding electronic payment options. Details will be announced when tax notices are sent out in mid-May.

Recycle Bins

Just another reminder to please complete the recycle bin survey. Thanks to those of you who have already responded.

Recycle BC has now mandated that the Village provide bins to residents, which came as a bit of a surprise. We thought people could use their own, and we promoted that, but they want to make sure everyone has a bin. So, the Village would like to hear from you. There is a choice of a large covered bin with wheels or a midsize tote bin. We are surveying residents with curbside collection requesting the following information:

Your name & street address ______121 L Bin And choose one of the following:  I already use my own bin 63 L Tote  I would like a large bin Limit one per household  I would like a tote bin  I don’t want a bin

Feel free to email your answers to [email protected] or drop it in our mailbox beside the side door at City Hall. If we don’t hear from you, you may receive a large bin because Recycle BC wants us to encourage more recycling in Kaslo.

Public Works Activities

The Village crew has replaced several high-pressure sodium lamps in Lower Kaslo with LED lights. The bulbs were changed in free- standing lamp posts that the Village owns. The new lights use 70% less energy and provide a more natural night light, like moonlight, instead of the harsh orange glow of the old sodium bulbs. We’re also reducing waste by retrofitting, rather than replacing, the old streetlight fixtures. Next, we’ll negotiate with Fortis about replacing lamps that are on their hydro poles. But let us know what you think about our new lights.

Several Cottonwood trees will be taken down in Kaslo Bay Park. It is no longer possible to safely maintain these trees and falling limbs during a windstorm last year caused personal injury. The Village is developing a tree planting plan to start replacing trees that were taken down over the past couple of years. You are One of the cool things about the Village’s welcome to provide suggestions on the types of trees to plant and bucket truck is it allows us to maintain both locations. horizontal and vertical social distancing 😊😊

Street sweeping is complete. The crew continues to focus on spring cleanup in addition to ensuring the daily activities ensuring the Village’s water and sewer systems are always operating and giving you one less thing to worry about. A major watermain repair is planned to start later this month that will require the closure of 5th Street in front of the Post Office for a few days. Further information will be published in the next newsletter.

Thanks again for your patience and understanding as we work through this difficult situation. An even bigger thank-you to our front-line workers, health professionals and others working tirelessly to keep us safe.

Please, let’s all be compassionate and kind to each other! We are so fortunate to be in Kaslo!

Ian Dunlop Chief Administrative Officer Village of Kaslo

P.S. Email [email protected] if you would like to be added to the email list to receive updates like this to your inbox.

2020.03.27

Village Update #2 RE: COVID-19

Message from Mayor Hewat (From the March 24, 2020 Regular Meeting of Council) I would like to thank all our front-line health workers, including our doctors, nurses, paramedics, ambulance attendants, long-term care workers, search & rescue and fire department personnel. They are working hard to ensure the safety of those in our community. Council is now holding meetings without members of the public being allowed in the gallery. This decision was made in order to ensure the safety of everyone. I would like to thank Mel Bryce for technical assistance in the broadcasting of tonight’s meeting online via live streaming. Residents were invited to join the meeting via Zoom. This will allow members of the public to participate in the meeting. If there are any members of the public online or on the phone, you are invited to ask questions during our 15-minute question period. I want to thank all of the staff at the Village of Kaslo for their work in managing to keep operations running smoothly in the village. We have had to make some very difficult decisions in the past few weeks. Some of these were made as a result of directives from the Provincial and Federal governments and some were made to maintain the safety of everyone. We have all seen the news stories and Facebook posts regarding the closure of parks and playgrounds. These closures were not taken lightly but were as a result of careful consideration. There have continued to be gatherings of people that were not practicing safe distancing. On the news earlier this evening it was revealed that new COVID cases are from an equal mix of those as a result of travel and community transfer. This means that we are not doing our job of slowing the spread of this virus. If you have travelled and just arrived home, please self isolate. You should also isolate if you were in direct contact with anyone who is showing symptoms or who has returned from a trip. It is up to all of us to keep each other safe. I would also like to recognize the efforts of our local business owners for the leadership they are showing in the face of this crisis, some of them at the risk of their own viability. Now, like no other time, is the time to shop locally. Many people in the community have stepped up to help friends and family. Take care of each other and be well.

Box 576, Kaslo, BC V0G 1M0 Tel. 250-353-2311 ext. 101 Fax. 250-353-7767 E-mail: [email protected] http://www.kaslo.ca

Outdoor Burning Ban Now in Effect

The Ministry of Environment has imposed an immediate ban on open fires until April 15, 2020. The Village’s ban under the fire bylaw prohibits burning grass, brush and yard waste, and campfires. If you previously received a burn permit from the Village, it is now suspended.

This precaution is not in response to Covid-19 but the additional local measures are to ensure that local air quality is maintained and recognizing our limited resources to otherwise enforce a ban. It may be an inconvenience for some people but as with the other coronavirus related measures, this is for the greater good.

The Village’s Spring Yard Waste collection is coming up on April 21-22. Please take advantage of this opportunity to dispose of yard waste instead of burning it. Please pile the debris neatly on the boulevard in front of your home for pick up by the crew just a day or two before collection.

Reminder of Closures and to Maintain Social Distance

The Skate Park and Vimy Park Playground remain closed because it is not possible for users to maintain safe social distancing, and equipment and seating surfaces are not disinfected. We realize this is a hardship, but it would not be practical to allow even small groups to use the facility because it would be impossible to supervise. Ball games are also prohibited. The Logger Sports area has been gated and the Campground blocked off to prevent illegal camping. The campground is closed indefinitely. The Kemball Building is now locked during the day. Building tenants may have visitors/clients by appointment only.

When using parks, the beach, trails and other open spaces, please practice social distancing by remaining at least 2 metres apart. Of course, if you are out with somebody you know intimately you should not be expected to maintain this distance from each other, but collectively to maintain your distance from other people. Use common sense.

Self-isolation

As of March 25, it is mandatory for people returning from travel outside of Canada to self-isolate for 14 days. This order does not apply to essential business workers, such as transport truck drivers, who must cross the border as part of their job. Such workers must maintain good hygiene, distancing, and self monitor for symptoms.

Information for Businesses

Businesses have not been ordered to close but there are orders affecting how business can be conducted. There are many types of businesses that are considered essential services and being encouraged to stay open. The BC Centre for Disease Control provides excellent information for employers and businesses and the extra steps they should take to stay safe: http://www.bccdc.ca/health-info/diseases-conditions/covid-19/employers-businesses

Waste Collection and Transfer Station

You can put out a garbage bag or container for Village curbside collection on Tuesday without a garbage tag. Our contractor, Kootenay Waste Services, continues to provide our community with great service and respectfully asks the following of you:

• Please DO put your garbage in a bag, even if you use a container, so it can be collected by our team with minimal exposure. • Please DO NOT put out garbage or recycling if you suspect you may have contracted the COVID-19 virus, have recently traveled outside Canada, or if you are waiting for COVID-19 test results, and • Please DO NOT put your garbage and recycling out if you are showing cold or flu symptoms or if you are self-quarantining.

We appreciate the great job the KWS team is doing under difficult circumstances! Please cooperate by ensuring the trash you put out is properly bagged and all recyclable containers have been cleaned.

The RDCK Kaslo Transfer Station is staffed, regular hours, and continues to accept reasonable amounts of residential waste at no charge but are NOT accepting the following items: metal, construction or demolition waste, garden waste, or tires unless you have a commercial account. Please consider if your trip is essential, such as waste that has the risk of attracting pests or going rancid, or if it can wait. While isolation at home is a great opportunity to do yard work, purge your closets, or complete renovations, waste materials from these projects can remain at home for now. Do NOT visit a facility if you are feeling unwell, experiencing flu-like symptoms or have been potentially exposed to the coronavirus.

Village Office Closed to Public – We are available by phone or email

City Hall is closed to the public except by appointment. If you have an appointment, please enter City Hall by the side entrance. Ring the doorbell if it is locked. Village administrative staff are available by phone or email to answer your questions: Email [email protected] or Phone 250-353-2311 ext. 101. Building permit questions can be emailed to [email protected] or Phone 1-800-268-7325. Our Public Works crew continues to work hard ensuring essential services are delivered and our infrastructure is maintained. The crew are observing social distancing practices, too, so. If you see anything that needs their attention, please contact Village administration.

Get on our email list to receive updates by sending your name and email to [email protected].

Council passed a resolution at their March 24, 2020 meeting to enable Regular and Committee of the Whole meetings to be conducted electronically during the state of emergency. The Committee of the Whole meeting times changed from 4:30pm to 7:00pm until further notice. A link will be posted online before the meetings so you can watch via live stream. The provincial government announced on March 26 that municipalities do not need to accommodate the public during meetings, but we will continue to do so through technology where possible. The province also announced that urgent municipal bylaws can be read and adopted in a single meeting instead of requiring a minimum of two meetings.

All committee meetings have been suspended. These include the Parks, Trails and Public Art Committee, Utilities Commission, Health Select, Economic Development Commission, and Buildings, Village Assets and Housing Committee. The business of these committees will be handled directly by Council for the time being.

The Recreation Grant program is suspended. Several of the applications were for events that have had to be cancelled due to the emergency. We’ll be providing updates on a new the grant intake deadline shortly, and applicants will have an opportunity to revise their applications to suit changes in their plans.

Provincial Health Orders

Safe business practices are listed on the BC CDC website at http://www.bccdc.ca/health- info/diseases-conditions/covid-19/employers-businesses/food-businesses

Mar 18th, 2020: The ordered closure of bars, pubs, and nightclubs continues.

Mar 21st, 2020: Restaurants and cafes are to offer take-away foods in single use containers or by delivery only. Packaged liquor may be sold along with the meals. There was a clarification that draft beer may be sold in new containers only (growlers, bombers), min. 1 Litre, no refills.

Other new orders were announced by Mike Farnworth, Minister of Public Health & Safety on Mar 26th, 2020. Here is the summary from their press release (https://news.gov.bc.ca/21885)

• Supply chain: Establishing a new Provincial Supply Chain Coordination Unit to co-ordinate goods and services distribution; taking a more active role in co-ordinating essential goods and services movement by land, air, marine and rail; and suspending any bylaws that restrict goods delivery at any time of day. • Protecting consumers: Banning the secondary resale of food, medical supplies, personal protective equipment, cleaning and other essential supplies; and restricting quantities of items purchased at point of sale. • Enforcement: Enabling municipal bylaw officers to support enforcement of the provincial health officer’s orders for business closures and gatherings, in line with offences under the Public Health Act. • Travel: Ensuring all passenger and car-ferry services provide minimum service levels and priority access for residents, and essential goods and workers. • Protecting B.C.’s most vulnerable: Making it easier to support critical services for vulnerable people, like food banks and shelters. • Co-ordination: Suspending local states of emergency specific to the COVID-19 pandemic, except for the City of Vancouver; giving municipal councils the ability to hold more flexible meetings to expedite decisions; and co-ordinating potential use of local publicly owned facilities, like community centres, for self-isolation, testing, medical care, warehousing and distribution.

The provincial government has requested that the Village assist in enforcing the Provincial Health Orders through bylaw enforcement. The Village can also suspend or cancel a business license. We

are seeking clarification on the matters to be enforced and things like the requirements for mobile food/farm vendors.

Please visit this page for links to provincial assistance and benefit programs: https://www2.gov.bc.ca/gov/content/safety/emergency-preparedness-response-recovery/covid-19- provincial-support And, the federal government’s page on support for businesses and individuals https://www.canada.ca/en/department-finance/news/2020/03/canadas-covid-19-economic-response- plan-support-for-canadians-and-businesses.html

A heartfelt thank-you to our local business community for adapting to the changing requirements – keeping their employees and customers as safe as possible.

Kaslo & District Public Library Announces Increased Digital Services

Getting tired of Netflix yet? Kaslo library is offering more digital services thanks to vendors like Tumblebooks and World Book, which are providing these services free to the community to support all of us through social distancing during the COVID-19 pandemic. Thanks, Eva, for sharing this information!

Tumblebooks includes talking storybooks for children, math for children, e-books for teens, audiobooks for all ages and e-books/romance novels. They are featured on the front page of our website: https://kaslo.bc.libraries.coop. Just click on the icons and access immediately. No need to set up or download an app or place a hold - just begin enjoying the service.

World Book online offers support for home learning while school is out. There are 15 products to access through the icon on our home page!

The library also have a digital library that requires a Kaslo library card to access. This includes access to 30,000 e-books and e-audio through Overdrive (aka Libby); access to e-audio, e-magazines, and streaming movies through RB Digital; and the opportunity to learn 163 languages through Pronunciator (all on the home page of our website). Other digital resources include Global Road Warrior and A to Z Travel for world travel information and a car repair database.

If any new databases become available, they will be posted on the library’s home page. Don’t have a library card? If you need a library membership, or any help with the digital library we are here to help! Contact us at [email protected]

BC Transit Changes

Riders will not be required to pay fares for 30 days for all bus systems including conventional, community, and handyDART. If the bus has a rear door, please board via that door unless you require use of the ramp. Stay up to date for daily changes and trip cancellation notices at https://www.bctransit.com/west-kootenay/home, or through their customer call centre at 1-855-993- 3100.

Inter-jurisdictional Communication

Mayor Hewat and CAO Dunlop participated in calls with Ministers Mungall, Robinson and Farnworth on March 26th to get the latest updates on provincial orders, programs and supports. Local emergency coordination through the RDCK’s Emergency Operations Centre is going well, and we thank the EOC staff for keeping our local municipalities and electoral districts connected. We also receive daily situation reports and information calls with Emergency Management. BC.

Recycle Bins

Thanks to those of you who have already responded to the recycle bin survey that was in the last newsletter. Here is the information again:

Thanks again for your patience and understanding as we work through this difficult situation.

Please, let’s all be compassionate and kind to each other! We are so fortunate to be in Kaslo!

Sincerely,

Ian Dunlop Chief Administrative Officer Village of Kaslo

P.S. Email [email protected] if you would like to be added to the email list to receive updates like this to your inbox.

VILLAGE OF KASLO RECREATION GRANT FUNDING Applications Are Invited Funding for 2020 recreation grants is now available through the Village of Kaslo. Current application forms may be picked up at the Village office, 413 Fourth Street, Kaslo BC weekdays between 10am and 3pm, or downloaded from our website at www.kaslo.ca . DEADLINE for return of applications and all documentation is 12 noon, Friday March 27, 2020. For further information, contact the Village office at 250-353-2311.

March 31, 2020

At the last regular meeting of Council held 2020.03.24, council resolved to postpone the 2020 Spring Recreation grants considering the current COVID-19 health protocols.

Council will be suspending the intake until further notice.

All Spring Recreation Grant applications will be kept on file until a new date is announced.

Lets all do our part by keeping safe and following the rules.

Stay positive Kaslovians!

Stephanie Patience Deputy Clerk

Box 576, Kaslo, BC V0G 1M0 Tel. 250-353-2311 ext. 201 Fax. 250-353-7767 E-mail: [email protected] http://www.kaslo.ca

RESOLUTION: Addressing Increases to Condominium Insurance

WHEREAS stratified condominium home ownership is a growing form of tenure in communities across the province and insurance rates have been increasing;

AND WHEREAS over the past year condominium stratas have experienced substantial increase to insurance premiums or found it difficult to secure an insurer for their buildings;

THEREFORE BE IT RESOLVED that the Union of BC Municipalities call upon the Province to take action to address the skyrocketing costs for condo insurance.

Approved by Burnaby City Council at its meeting of 2020 February 24. RESOLUTION: Benefits of Public Car Insurance

WHEREAS public car insurance creates local jobs and significant investments in municipalities through road safety and improvement, grants-in-lieu, and community grants while providing greater control to municipalities to plan for risks and costs;

AND WHEREAS jurisdictions with only private insurance options have experienced significant rate hikes year after year while accident benefits dramatically decline;

THEREFORE BE IT RESOLVED the UBCM will call on the provincial government to preserve public car insurance, including jobs and local investments, in British Columbia.

Approved by Burnaby City Council at its meeting of 2020 February 24.

RURAL HEALTH MATTERS

British Columbia Rural Health Network April 2020

Dedicated to the development of a health services system that improves and sustains the health and well-being of residents of rural communities across British Columbia as a model of excellence and innovation in rural health care.

Letter from the President

Dear BCRHN Members and Supporters, responding to the particular needs of our communities. The global crisis brought on by the COVID-19 pandemic has been expressed as The BC Rural Health Network was formed as challenging, unprecedented, difﬁcult, crazy, a way to identify our common concerns and terrifying; and depending on your and share our successful strategies and personal situation, these are all appropriate initiatives. There is perhaps no better time descriptions. Who would have thought, even a than during this crisis to connect with each month ago, that we would be self isolating other and share our stories. and adjusting to circumstances that have become the “new normal”. To this end, we are partnering with the Centre for Rural Health Research (CRHR) on As each of us in our own way make these a survey to capture rural communities adjustments, it’s heartening to know that there response to Covid-19. are positive things to report as our We are interested in highlighting stories of communities rally in support of each other. resilience and innovation. We will gather stories from across rural BC and send them In my home community of Princeton, the out to our membership. In addition, the Mayor has called on local organizations to Centre for Rural Health Research will be assist him in the implementation of a plan to highlighting some of the responses through a support those who are most vulnerable and podcast series that will also be available to incapable of helping themselves. The Support our members and open to the public through Our Health Care Society of Princeton has the CRHR website. Further information that responded to the call by asking our members will include a link to the survey will be sent to and supporters to assist in this initiative by our membership shortly. identifying people in need and volunteering to help in any way they can. The response has As President of the BCRHN and on behalf of been very positive. the Board of Directors, I’d like to wish all of our members and supporters the very best I expect that this scenario is being repeated in as we work together in these challenging a variety of ways throughout the province. It times. underscores the value and importance of the Edward Staples, BCRHN President many organizations and individuals that make telephone:250-295-0822 up the volunteer support systems email: [email protected]

1 Member of the Month Society for Protection and Care of Seniors - Trail

The Society for Protection and Care of Seniors (SPCS) is a non-profit, volunteer based Seniors' health care advocacy group located in Greater Trail. We advocate and pursue options for adequate, accessible and the safe continuing care of seniors’ resources within our communities. We communicate, disseminate information and educate to accomplish these goals.

In 2004, many seniors had difficulty accessing appropriate health care. There was a need for an advocacy group to bring awareness to IHA. The Trail Health Watch was formed to speak out for seniors with health issues.

In February 2006, a tragedy now known as “The Albo case” occurred. The Albo family's parents were both Trail hospital patients, when suddenly, contrary to the family's wishes, the parents were separated. Their mother was transferred to a long-term care facility in Grand Forks where two days later, she passed away. Their father passed away just 10 days later.

SPCS changed its name to The Society for the Protection and Care of Seniors. As a result of all the work SPCS has done over the past years, there has been considerable impact on how and what decisions are made by IHA. In 2010, a ten year span ‘Lost Services Report’ was created to identify detrimental changes to services – many are still concerns 15 years later! This Report can be viewed on our website: www.spcstrail.weebly.com. SPCS continues to advocate for improvements to service and to express concern regarding cuts to health care. An important role is to help citizens give voice to their valid concerns.

We are proud to be a part of Connected Communities - a West Kootenay group that meets regularly to discuss shared issues and advocate for change. Twice a year Connected Communities representatives meet with Kootenay Boundary IH Administration to discuss concerns and offer recommendations for dealing with identified concerns. This provides an avenue of transparency with IH. As a member of BCHC and COSCO, we also have a voice in provincial issues.

Members of SPCS find it rewarding to be actively involved in improving and enhancing positive changes to our health care system. SPCS advocates for the implementation of both the Ombudsperson's and BC Senior’s Advocate’s recommendations. We continue to be a force for change locally, regionally and provincially.

We are driven by the mandate first voiced by Jim Albo: to keep meeting, attend vigils and give time, energy and expertise to SPCS “until there are changes for the better”.

2 From the Desk of the Administrator

“There is a fine line between rural research and quality improvement, with the desired end goal for better health outcomes, better engagement of rural population and better health service delivery.”

The first speaker in our series of quarterly presentations was Jason Curran. Jason is with Interior Health as well as the Research & Knowledge Translation Lead for the Rural Coordination Centre's newly minted (May 2019) Regional Operations Centre in Penticton - Interior Node (IN).

Jason works out of the Penticton Regional Hospital with two other staff. His focus is on facilitating and leading rural health research across the region. He is also supporting several research projects across the province, and connecting and building a network on clinicians interested and able to conduct research. The end goal is better health outcomes, better engagement of rural population, and better health service delivery.

Research is one mechanism to connect physicians with the potential to recruit and retain physicians in rural communities. It can be a drawing point for interested potential physicians coming into a smaller community. They are more likely to sign on if they know there is a strong research fabric available to them as well as the supports which are offered through the Interior Node, and have the support and perhaps the connections of a larger network.

Jason presented a few examples of ongoing rural research that show the potential impact local or regional studies can have on small communities across the province. The key to these projects however, will be how we involve community and patient partners to help guide the research, as well as the eventual implementation of results that can have a positive effect on health care service delivery and patient outcomes.

Together with an emergency physician out of Golden, Jason is working on several projects:

Transportation: As there is no CTT in Golden, residents need to travel to centres such as Cranbrook, Kelowna and sometimes Calgary.

Patient-controlled analgesia: Patients to administer themselves when they are being transported in ambulances to larger centres to reduce the pain during transport. The doctor created this new protocol that could be spread to other communities.

Another project Jason is looking at, is a point of care ultrasound within clinics, which would mean cutting down the time patients need to travel to hospitals.

Jason’s focus is on involving and engaging patients and community members; that research is patient orientated, and conducted with patient engagement. He is looking into how to best include patients in the research process. Jason is also focusing on spreadability and scalability for the work being done. He will share interventions as well as new evidence as they come available.

Our next topics will be ‘Are you worried about the medications that older family members are taking?’ and ‘How are Distances to the Closest Health Services Measured? Are There Better Ways?’

Please give us some feedback as to which topics are of interest to you or your organization.

Connie Howe

3 COVID-19 helpful links

-> https://www.worldometers.info/coronavirus/? fbclid=IwAR0gTyg_1KAonIz3K_rsfCOSr_bNQOm_z_jid3qFTpcZ92N4lZ6oPj7hX_Q [Conﬁrmed Cases and Deaths by Country, Territory or Conveyance]

-> https://www2.gov.bc.ca/gov/content/safety/emergency-preparedness-response-recovery/ covid-19-provincial-support

-> https://www.who.int/emergencies/diseases/novel-coronavirus-2019/advice-for-public

-> https://www.fraserhealth.ca/news/2020/Mar/how-to-manage-anxiety-around- covid-19#.XnpAFIhKiUm

-> https://theconversation.com/social-distancing-can-make-you-lonely-heres-how-to-stay- connected-when-youre-in-lockdown-133693

-> https://www.camh.ca/en/health-info/mental-health-and-covid-19 (Province of BC)

-> https://bc.thrive.health [Support App and Self Assessment Tool]

-> https://thetyee.ca/News/2020/03/24/Science-Journals-Covid/

-> https://elemental.medium.com/if-youre-feeling-overwhelmed-here-s-a-science-backed-way- to-take-control-a9650718365c

-> https://www.theglobeandmail.com/canada/article-social-distancing-isnt-enough-we-need-to- ramp-up-testing-and/

-> https://www.theglobeandmail.com/newsletters/#coronavirus-update [Sign up for the Coronavirus Update newsletter to read the day’s essential coronavirus news, features and explainers written by Globe reporters

-> https://www.who.int/emergencies/diseases/novel-coronavirus-2019/advice-for-public [World Health Organization - don’t forget to click on the myth busters]

4 OF SPECIAL INTEREST

Do you miss not being able to work out in your favourite exercise club? Don’t despair. The following was posted on our Twitter account by Pulse Cardiac Health

Screen Shot

Interested? Click on: pulsecardiachealth.com 5 Rural Site Visit Project Rural Coordination Centre of BC (RCCbc)

The Rural Site Visit project – funded by the Joint Standing Committee on Rural Issues (JSC) seeks to connect with all RSA communities between 2017 and 2020.

The purpose is to hear directly from community members about their thoughts surrounding health care delivered in BC.

In communities, a team of rural physicians and RCCbc staff meet with health providers, health administrators, First Nations, and local leadership to host an open discussion about the community’s innovations, and challenges with regards to local health care services.

The team meets individually with these groups to discuss health services from their perspective. Information collected from these visits is anonymized and presented to the JSC. Before any material is presented to the JSC the notes gathered are reﬂected back to the participants to ensure accuracy.

The intent is for the information provided to be used to better inform policy and program development, and build stronger direct relationships between the JSC and rural health providers.

Approximately 95 communities from June 2017 until December 2019 have agreed to have their responses included.

Two and a half years after its inception, the RCCbc Site Visit project has reached its half-way point with over 100 rural BC communities visited.

Click the bold text to access the latest Community Report: https://rccbc.ca/wp-content/uploads/2020/01/RCCbc-Rural-Site-Visits-Community- Feedback-Report-3_Jun-2017-Dec-2019-1.pdf

6 New on our website……

There is a wide variety of useful and relevant resources available to individuals and organizations focused on healthy aging.

These include checklists, toolkits, reports, studies, videos, and other materials on the seven core program areas, as well as resources on topics such as ageism, caregiving, research, organizational and sector development, and many other subjects.

Click on https://bcrhn.ca/healthy-aging-core-2/ or click on: HEALTHY AGING CORE

A Kootenay physician, Dr. Michael Vance, has collaborated with regional engineers, Selkirk Colle, and the MIDAS lab in Trail to 3D print personal protective equipment (PPE), especially masks.

The team uses 3D printers and laser cutters and plastics to make the plastic shields, which cover the whole face.

BC Rural Health Network SOCIAL MEDIA Board of Directors website: https://bcrhn.ca Colin Moss - (Director) New Denver Curt Firestone - (Secretary/Treasurer) Salt Spring Island facebook: https:// Ed Staples - (President) Princeton www.facebook.com/ Johanna Trimble - (Director) Roberts Creek/Sunshine Coast bcruralhealthnetwork/ Jude Kornelsen - (Director) Centre for Rural Health Research twitter: twitter.com/bcrhnetwork Pegasis McGauley - (Vice President) Nelson Stuart Johnson - Rural Coordination Centre of BC liaison contact information: STAFF telephone: 250-295-0822 Connie Howe - (Administrator) Princeton email: Nienke Klaver - (Executive Assistant) Princeton [email protected]

7 Kaslo & Area Chamber News

MARCH 2020

Accomplished/Working On

Looking back as we near our year end for the Chamber here’s some of what your Board has accomplished and still working on:

Website – we initiated a new website to reduce yearly costs (approx. $1000) and to improve the appearance and usability. We also, in the spirit of Choose Local, are keeping it local to the Kootenays. Check it out at www.kaslochamber.com

Community Building: We’re a small community and New Website we want to work together. We have worked hard at strengthening our relationships. We met with Kootenay Lake Historical Society to build bridges and work together more. We are working to establish a better relationship with our Village Office & Council. Henry Van Mill, Village Councillor has been a great asset to the Chamber Board and a great liason with the Village.

Fundraising – It’s always a job to keep our heads floating above water, thanks to John Addison (past President) in helping us put in applications for Kaslo Village Hall grant funding. Xmas Party/Social Meet & Greets – We had a great THANKS! We want to thank Daphne Hunter and Christmas Party at the Taqueria. Well attended and John Addison for all the great work they have done a great time to socialize. And the Christmas Light up in the past. It’s never easy and it’s always work, – another successful event put on by your Chamber. but keeping the Chamber going for the past several years is not easy feat! So Thank you for everything! Last year we had a Meet & Greet @ The Kaslo Hotel – it’s always nice to see members mingling and sharing news & ideas.

Choose Local

Your Choose Local Committee has had another successful Great Gift Giveaway – thank you to all the participants. Couldn’t do it without you! This year the committee is going to work on a Local Passport -& a Kaslo Promotional video details will be emerging! Some other initiatives were: sharing how some of our businesses are striving to be environmentally friendly. Creating a welcome greeting card for new residents. We sold more than $5600 of Chamber Cash.

Kaslo Ididaride This group has been doing an amazing job of putting this on. Each year is becoming more successful. Here’s a link to find out all about it! This event is usually held in August. https://facebook.com/events/s/ididaride- run/582030715718180/?ti=icl

Kootenay Lake Historical Society 324 Front St

KasloGet on board! The world's oldest intact passenger sternwheeler in the world and Kaslo Visitor Centre are opening Sunday May 10th, 2020 10am - 5pmTreat your Mum...Mothers' Day - Opening Day Special: Sunday May 10th, 2020 Admission to ship $5 with afternoon tea and treats 1 - 4pm.250-353-2525

Helping Hands Trust c/o ox 634 Kaslo BC V0G1M0

Helping adults in need in Kaslo and Area D who need to travel for medical appointments or treatment.For information contact in confidenceone of: Larry Badry, Dave Boland,Georgie Humphries, Sandra

Rempel,Elizabeth Scarlett or Glen Stewart .

Community Futures

Did you know that Community Futures Central Kootenay holds many small business classes? Everything from how to do your bookkeeping to social media marketing for your business. For current offerings: https://futures.bc.ca/workshop-schedule/

MayDays has been cancelled due to the ongoing issues with the Corona Virus. Please check with any of the events that have been scheduled in our area for the next few weeks. The BC Government has stated that all events with 50 or more people gathering together to be cancelled until May 30 2020.

SUPPORT FOR MEMBERS - COVID-19

We are committed to helping our members through this difficult time; the following support will be available to our retail and commercial members that are facing financial challenges due to COVID-19.

Payment Suspensions and Alterations • Retail and Commercial Members will have the option to defer their loan and mortgage payments forup to 6 months with no payment alteration fee • Retail and Commercial LOC payments can be changed to "interest only" for up to 6 months • KS will reassess the situation after6 months

Small Loans and Lines of Credit • Retail loans up to $10,000 will be available to members; payments can be deferred for the first 6 months. • Commercial LOCs with limits up to $25,000 will be available to our business members; payments will be interest only.

We are launching an awareness campaign to let members know to contact us for support and to educate them on self-serve banking options. Members will be directed to call 1-800-665- 5728 and select one of the following: • Retail members - Option 4 • Commercial members - Option 5

This is from Kootenay Savings Credit Union RESOURCES FOR BUSINESSES AFFECTED BY COVID-19 Submitted by Georgiy on Mon, 2020-03-16 14:23 We’ve compiled a list of resources to help mitigate the impacts to businesses that have been affected by COVID-19. Note that restrictions may apply, so defer to each organization’s website for details.

Financial Support/Relief

• Business Development Bank of Canada (BDC) has resources available including: • Small Business Loan: Up to $100,000 can be obtained online in as little 48 hours from time of approval. • Working capital loan: Get extra funds to bridge cash flow gaps and support everyday operations. • Purchase Order Financing: Increase your cash flow to fulfill domestic or international orders with very flexible terms. • BDC’s Advisory Services experts are offering tools and support to review your financial management and operations. • BC Hydro: The COVID-19 Customer Assistance Program provides customers the option to defer bill payments or arrange for flexible payment plans with no penalty. Customers are encouraged to call BC Hydro's customer team at 1 800 BCHYDRO (1 800 224 9376) to discuss bill payment options. • Fortis BC: We’ve been in contact with Fortis, and they’re working with government and the BC Utilities Commission on how they can support their customers. More information to come. • CMHC is working to address mortgage payment difficulties. They’ve said on twitter that they are collaborating with lenders to allow payment deferral of up to six months. • Export Development Canada (EDC). In partnership with the federal government and Canadian banks, EDC will ensure customers impacted by COVID-19 have access to credit. Operational/Staffing Support

• Employment and Social Development Canada: Several measures are being taken by ESDC to assist employees who have been laid off, or are unable to work due to quarantine. This include, waiving the one-week waiting period for EI sickness beneﬁts, and priority application processing for related claims. • Uber Eats: The company has created a support package to promote "contactless" delivery from local restaurants, which includes waiving delivery fees, and a daily payout option to assist restaurants with cash ﬂow. • Work-Sharing (WS) Program: Work-Sharing is an adjustment program designed to help employers and employees avoid layoffs when there is a temporary reduction in the normal level of business activity that is beyond the control of the employer. Temporary special measures have extended the maximum duration of work-Sharing agreements from 38 weeks to 76 weeks for businesses affected by COVID-19 General Information • The federal Government has created a COVID-19 resource page for Canadian businesses • The Canadian Chamber of Commerce has pandemic preparedness resources and templates. • The BC government does daily media updates everyday at 3 pm (T-F), which are streamed live by major media.

SERVICES

• COVID-19 BUSINESS RESOURCES • CERTIFICATION • BC MINDREADER • MEMBER BENEFITS • CHAMBER PROGRAMS & SERVICES • BOARDROOM RENTALS Kaslo Administration

Subject: Increased Digital Services at Kaslo Library

‐‐‐‐‐Original Message‐‐‐‐‐ From: Eva Kelemen Sent: March 25, 2020 6:42 PM To: Kaslo Deputy ; Ian Dunlop (CAO Kaslo) Subject: increased digital services at Kaslo Library

Hello Ian and Stephanie,

I just wanted to share with you that the Kaslo library is offering more digital services thanks to vendors like Tumblebooks and World Book in case you are creating another newsletter or just wish to share the good news. They are providing these services free to the community to support all of us through social distancing during the COVID‐19 pandemic.

Tumblebooks includes talking storybooks for children, math for children, e‐books for teens, audiobooks for all ages and e‐books/romance novels. They are featured on the front page of our website: https://kaslo.bc.libraries.coop. Just click on the icons and access immediately. No need to set up or download an app or place a hold ‐ just begin enjoying the service.

World Book online offers support for home learning while school is out. There are 15 products to access through the icon on our home page!

We also have a digital library that requires a Kaslo library card to access. This includes access to 30,000 e‐books and e‐ audio through Overdrive (aka Libby); access to e‐audio, e‐magazines, and streaming movies through RB Digital; and the opportunity to learn 163 languages through Pronunciator (all on the home page of our website). Other digital resources include Global Road Warrior and A to Z Travel for world travel information and a car repair database.

If any new databases become available, they will be posted on the home page. If people need help with the digital library or need a library membership, we are here to help! Contact us at [email protected] (note: leaving phone messages is not recommended as we will be working from home)

Thanks and stay healthy,

Eva ‐‐ Eva Kelemen Library Director Kaslo & District Public Library Box 760, Kaslo, BC, V0G 1M0

250‐353‐2942 http://kaslo.bc.libraries.coop/

Minutes Land Managers Meeting 2020

March 5, 2020 1:00 pm-4:00 pm PT Chamber of Commerce Meeting Room – Upstairs 91 Baker St, Nelson BC

Attendees:

Nancy Hiebert ATCO

Rhonda Kariz BC Hydro

Amanda Weber-Roy BC Parks

Heather Myers Central Kootenay Invasive Species Society

Kalenna Olynyk Central Kootenay Invasive Species Society

Laurie Carr Central Kootenay Invasive Species Society

Erin Bates Central Kootenay Invasive Species Society

Brittny Anderson City of Nelson councilor

David Moorhead City of Trail

Lisa Tedesco CKISS/MFLNRO

Mike Hounjet Columbia Power

Rob Davidson Creston Valley Beef Growers Assoc.

Doug Riehl Creston Valley Beef Growers Assoc.

Dale McNamar Creston Valley Beef Growers Assoc.

Irene Manley Fish and Wildlife Compensation Program

Serina Swanson Fortis BC

Kailee Woodbeck Kalesnikoff

Norm Allard Lower Kootenay Band

Catherine MacRae Min. of Forestry Lands and Natural Resource Operations and Rural Dev'p.

Jazmine Lowther Min. of Forestry Lands and Natural Resource Operations and Rural Dev'p.

Jill Caruthers Ministry of Transportation and Infrastructure

Frances Swan Nakusp Community Forest

1 | Page

Richard Klafki Nature Conservancy

Adrian Leslie Nature Conservancy

Joe Strong Nature Trust BC

Jen Vogel Teck

Laena Brown West Kootenay Beekeepers

Axel Krause West Kootenay Beekeepers and regional Apiary Inspector

Welcome and Introductions Round table updates from Land Managers

New Provincial Invasive Species Priority List o New this year o List includes insects, fish, mammals, as well as plants o Some plant species that have not previously been on Provincial Prohibited, Crown Top 25, or CKISS lists o CKISS proposing to include some new plant species to align – for discussion o Current list available online at o https://www2.gov.bc.ca/gov/content/environment/plants-animals-ecosystems/invasive- species/priority-species

Review CKISS Priority List Definitions o Addition of new priority: 1a. Provincial Prevent o Update Provincial EDRR to be 1b. o Update Regional EDRR to be 2. o Update Eradicate/Annual Control to 3. o Update Contain to 4. o Update Established: no Biocontrol or Site Specific Approach to 5a. o Update Established: Biocontrol or Site Specific Approach to 5b. o Update Insufficient Information to 6.

Review of IPMA Priority Species o Discuss current distribution of top priority species in CKISS region, including containment boundaries where applicable o Determine any changes needed for 2020 Priority List. o Summary of discussion and any changes below:

2 | Page

Provincial EDRR in CKISS Recommendation Notes region Mouse ear hawkweed Discussed locations. No Near Kokanee Provincial Park recommendations or changes proposed. Common reed Discussed locations. No Creston Valley Wildlife Mgmt Area recommendations or changes proposed. Flowering rush Discussed locations. No Found in private pond in Nakusp ,FLNRO will recommendations or changes continue treatment proposed. North Africa grass Discussed locations. No Fall 2018 in PDO 7 Mile Rd. over to Rock Creek recommendations or changes and Slocan Valley, hiking and biking trails proposed. Passmore. Looks similar to cheatgrass. FLNRO doing extent surveying rather than treating. Species Recommendation Notes Baby’s Breath Do not change Slocan priority, Recommended to keep this species as a high leave as Eradicate. priority so that agricultural values in Creston are maintained. Mostly appears on private lands so RDCK and landowners need to recognize priority. Blueweed 1) Creston - change to Eradicate, Kaslo and Nakusp- Powder Ck. Rd closed so get rid of containment line could limit eradication. Creston: Private land 2) Change priority in Slocan, in Creston is source. Lower Arrow and Nelson from Action: Investigate private gravel pit, talk to Eradicate to Regional EDRR Llyod Bell, Mines act should have some clout. 3) Kaslo and Nakusp- keep as eradicate until can access Bur Chervil All IPMAS - change from Krestova Area, one site needs to be confirmed Insufficient Information to Regional EDRR

Curled Dock 1) Change Curled Dock from Action: Send sample to Ken Mar to verify if Established (no biocontrol) to garden sorrel or curled dock Insufficient Information 2) Add Garden Sorrel to the list as Insufficient Information

Diffuse knapweed Change from established to Existing inventory suspected to be inaccurate Insufficient Information (old records), could actually be spotted knapweed. Catherine: Spotted knapweed WAS input into IAPP as diffused knapweed in 2011. Action Catherine to check with IAPP administrators to do a programmatic change Norm: In 2014: reserve land suveys were entered into IAPP. Action: Norm to check to see if sites were input correctly Field scabious No changes

3 | Page

Himalayan balsam 1) Change priority in Kaslo and Catherine: Unsure about site on goat river. Nakusp from Eradicate to Thrums: Mostly on highways and private Regional EDRR lands. CP Railway line. 2) Keep containment area. Do Jen: make a containment line around Thrums, not extend containment area instead of connecting to Nelson to protect from Nelson/Blewett into conservation covenants Lower Arrow (include Thrums Action: change dots of “no weed found” to a and Castlegar). Make internal different colour on the map notes about treating to protect conservation lands 3) Keep Slocan as Eradicate.

Giant No changes knotweed/Japanese knotweed Plumeless thistle 1) Change priority in Creston, Catherine: biocontrol in containment around Kalso, Nakusp, Nelson, and Lower Arrow Slocan to Regional EDRR 2) Create containment area in Lower Arrow around dense sites 3) Change priority in Lower Arrow to Contain Poison hemlock No changes Jazmine: story of kids who ate some poison hemlock, father willing to share pictures Action: CKISS to follow up with Jazmine for outreach materials Dale: Near water at Erickson Elementary it is ¾ inch high right now. Kids not allowed in playground. Action: Dale to get in touch with CKISS for further information.

Purple loosestrife 1) Change priority in Creston, Catherine: biocontrol within containment, Kaslo and Lower Arrow from including Ainsworth Eradicate to Regional EDRR. 2) Biocontrol inside containment area

Rush skeletonweed 1) Change priority in Creston Jen: agrees, this would take Convenant lands and Lower Arrow to Regional out of containment near Krestova EDRR. Catherine: public outreach in Krestova might 2) Refine Krestova containment be worth it area to west side of Jen: pulling useful in sandy soil where roots Kootenay River will come out as well

Scentless chamomile 1) No priority change. CVBGA: came from load of gravel. Hard to 2) No change to Creston spray because already broadleaves in field. containment area as Dale has had luck with hard grazing at young proposed from 2019 age when cattle can’t discern between species. Otherwise they will not eat. Can 4 | Page

outcompete with planted natives. Patchy distribution. Catherine: Susan Turner(Kamloops) was using biocontrol of seed weevil in Creston Action: Catherine to look into what happened and keep CVBGA in loop. Get biocontrol from Catherine. Action: Jazmine: look into good neighbour program with MOTI Containment area: no change. Scotch thistle 1) Change priority in Nelson Increase education in Warfield from Eradicate to Regional EDRR

Wild chervil 1) Change priority in Kaslo to Jen: touch base with ATCO and city of Trail on Contain, with the goal of Violin Lake to see if spreading on dirt bike and containing to the current ATV trails infestation on private. 2) No change in containment area added in 2019

Insufficient Information Annual sow thistle Yes add to the list and add to Insufficient Information Black Locust Yes add to the list and add to Lots in Nakusp. Frances: fire resistant so Insufficient Information including in fire management plans Carpet burweed Yes add to the list and add to Catherine: Is on coast and could establish here Insufficient Information Perennial sow thistle Yes add to the list and add to Insufficient Information Spurge laurel Yes add to the list and add to Toxic fumes, used in cut flowers. Does well in Insufficient Information forest and shade. Yellow nutsedge Yes add to the list and add to Insufficient Information Cypress spurge Species discussed. No changes. Also in Kootenay Boundary. Going to wait to see if spreading aggressively, which indicates invasive genotype.

5 | Page

Other Notes:

• Regional District enforcement discussion: o CVBGA reps strongly desire noxious weed enforcement on private land to help control spread and impacts on agriculture o CKISS working with RDCK to develop invasive species strategy for regional district, good opportunity to bring stakeholder concerns forward o Suggestion by Brittny that Creston could be a pilot program for an area-specific taxpayer-funded program (similar to mosquito control in Meadow Creek)

• Beekeepers Request: o Please spray non flowering times. Please communicate: Beekeepers can cover hives so bees can’t get out or can move hives. o Axel Krause: Contact Axel if herbicide spraying and he will contact beekeepers o Dan Mawson: East Kootenay Apiary Inspector in Creston down to border

6 | Page

Date: March 19, 2020

To: Columbia River Treaty Region Elected Officials

From: Columbia River Treaty Local Governments Committee

Re: Committee Decision Not to Seek Negotiations Observer Status at This Time

The Columbia River Treaty (CRT) Local Governments Committee (the Committee) was created in 2011 by the local governments in the region impacted by the Treaty. The primary purpose of the Committee is to assist local governments and region residents to engage in decisions around the future of the Treaty.

From 2011 through 2017 the Committee worked closely with the BC CRT Team to consult with residents and local governments in the region to fully understand the concerns and issues related to the Treaty.

In 2013 the Committee provided recommendations to the provincial and federal governments regarding the process for making changes to the Treaty, desired improvements to the content of the Treaty and domestic issues that require resolution. These recommendations were based on the input from the local governments and residents of the region. We are in the process of updating these recommendations.

Early in 2018, when it became clear that negotiations to modernize the Treaty would be initiated by Canada and the U.S., the Committee evaluated a number of options for the Committee to engage in these negotiations, including seeking observer status ‘in the room’. The Committee sought the advice of a number of academics and others who are familiar with or have lead the development of international water related treaties who consistently confirmed that local governments, which are a creation of higher levels of government (e.g. the provincial government in BC), have never been directly engaged in these international negotiations. Based on this advice, and the ongoing open, productive relationships with the BC CRT Team and the federal agencies who would be involved in the negotiations, the Committee decided not to seek observer status.

Instead the Committee established a formal Communications and Engagement Protocol with the Canadian CRT Negotiating Team, which was signed in the fall of 2018. This Protocol allows the Negotiating Team to keep the Committee as informed as possible as negotiations proceed, while recognizing confidentiality limitations, and commits the Team to engage with the Committee if negotiations are moving in a direction that is not consistent with the Committee’s recommendations.

Treaty negotiations began in November 2018 and are continuing – for more information see the BC CRT website. In May 2019, the federal government granted observer status to the three regional Indigenous Nations. The Committee acknowledges and supports this decision as it is consistent with the views stated by many Basin residents during the 2018 and 2019 CRT community meetings throughout the region. The Treaty Negotiating Team is led by Global Affairs Canada and includes representatives from federal and provincial agencies. There are intentionally no elected officials on the team or amongst the Indigenous Nations’ observers. That is also the case for the U.S. negotiating team.

In the last few months, prompted by questions from a few constituents and others, the Committee has reconsidered whether it should request observer status at the negotiations. After gathering and thoroughly considering updated information, the Committee has decided not to pursue observer status at this time. If circumstances change in the future, the Committee may revisit this decision.

Significant factors in this decision were that there are no elected officials present in the negotiations to date, and as in 2018, there are no precedents for the local governments being involved in international water- related Treaty negotiations. These factors make it very unlikely that a request for observer status from the Committee would be granted.

As well, the Committee appreciates the ongoing, open, timely communications with the Negotiating Team through our Communications and Engagement Protocol. We are confident that the interests of Basin residents and local governments are front and centre in the negotiations at this time, as even the U.S. Lead Negotiator mentions the interests of Canadian residents as a factor in the discussions.

The Committee has established regular contact with the regional Indigenous Nations involved in the negotiations, with ongoing discussions about our shared interests in the future of the Treaty.

As well, we are very mindful of the public commitments by the BC CRT Team to bring any elements of a negotiated agreement that impact the region back to residents and local governments for review before negotiations are finalized.

However, the Committee is aware that as negotiations evolve, conditions may change or different outcomes that do not align with our recommendations may be considered. We are prepared to respond swiftly and strongly should this develop.

We look forward to continuing to work with regional elected officials, in non-partisan ways, to support the CRT Negotiating Team to secure the best possible agreement for our region. We are very encouraged by the invitation from the BC CRT Team to begin discussions with the province about a governance framework for a modernized Treaty that includes local governments and others. We believe this offers a long-term, inter- generational solution to the historical limited role of regional interests in decisions about Treaty-related hydro-electricity development and operations on the Kootenay and Columbia rivers.

Regional and community-based issues that can be solved domestically continue to a top priority for us. The Committee will continue to work with the BC CRT Team, elected officials, Indigenous Nations and others to explore and implement solutions.

Please contact us if you have any questions about the important work of this Committee.

On behalf of the CRT Local Governments Committee:

Linda Worley, Chair, Regional Director Stan Doehle, Vice-Chair, Regional Director Appointed by the Regional District of Kootenay Appointed by the Regional District of East Boundary Kootenays Cell: 250 231-1300 Email: [email protected] Cell: 250 531-3300 Email: [email protected]

CRT Local Government Committee members: Linda Worley, Chair, Regional Director, Regional District of Kootenay Boundary Stan Doehle, Vice Chair, Regional Director, Regional District of the East Kootenays Aimee Watson, Regional Director, by Regional District of Central Kootenay Ramona Faust, Regional Director, Regional District of Central Kootenay Diane Langman, Mayor, Village of Warfield and appointed by Regional District of Kootenay Boundary Jane Walter, Regional Director, Regional District of the East Kootenays Ron Oszust, Mayor, Town of Golden and appointed by Columbia-Shuswap Regional District David Brooks-Hill, Regional Director, Columbia Shuswap Regional District Donnie MacLean, Councillor, Village of Valemount Ange Qualizza, Mayor, City of Fernie and appointed by Association of Kootenay Boundary Local Governments

To: Regional Districts, Boards of Directors Date: February 14, 2020 Valemount Town Council

From: Linda Worley, Chair Columbia River Treaty Local Governments Committee

Subject: Update on Committee Activities

Since our last update in September 2019, the Committee has been very busy attending twelve CRT community meetings around the Basin, working with the BC CRT Team on specific community interests and maintaining communications with our U.S. local government colleagues and residents as well as regional indigenous nations, BC Hydro and our new Kootenay-Columbia MP.

Highlights for October 2019 to January 2020  CRT community meetings - Twelve CRT community meetings were held across the Basin between early October and late November. A total of 349 Basin residents participated in these meetings as follows: - Revelstoke - 35 - Creston - 11 - Nelson - 51 - Valemount - 21 - Golden - 22 - Meadow Creek - 27 - Cranbrook - 23 - Invermere - 19 - Nakusp - 50 - Jaffray - 36 - Genelle - 28 - Fauquier- 26 At each meeting the local Committee member welcomed participants and provided a brief review of the draft updated Committee recommendations to government, inviting input from participants. This was followed by an update from federal and provincial CRT Negotiating Team members, including Indigenous Nations representatives; presentations from indigenous Nations about salmon restoration and integrating ecosystem function into the Treaty; and a presentation on provincial work to address region- wide and local community interests. These meetings were another opportunity for Committee members to talk with residents about the Committee’s work to ensure the voices of Basin residents are incorporated in a modernized Treaty and to strengthen relationships with Indigenous Nation representatives.  Communications – In mid-November our Vice Chair, Stan Doehle, members Diane Langman, Mayor of Warfield and Jane Walters, RDEK Rural Director as well as our Executive Director (ED) traveled to Spokane Washington for a very positive meeting with our U.S. local government colleagues in the Washington State Association of Counties and to attend the 2019 Lake Roosevelt Forum conference. During the conference our Vice Chair shared local government interests in CRT renewal and salmon recovery on discussion panels and our ED co-presented a summary of BC and US views on the CRT from the One River – One Future Transboundary Conference in Kimberley in September. There were many informal opportunities for Committee members to further strengthen their relationships with U.S. local government elected officials, U.S. Basin residents and regional Indigenous Nations representatives. In January Stan Doehle, Committee Vice Chair and I met with the new Kootenay-Columbia MP Rob Morrison. We briefed him on the CRT and the work of the Committee. He was very impressed with the scale of the Committee’s work.

Ongoing  Community interests – Committee members continue to follow-up with the province on actions requested by community members at the 2018 and 2019 community meetings.  Negotiations – In November, the U.S. State Department postponed negotiating sessions. This week it was announced that the 9th round of negotiations will be held on March 11 and 12 in Washington, D.C. The Committee will be updated on these negotiations shortly after this round.  Updating our recommendations – Input from the community meetings and direct input to the Committee on our draft recommendations are being compiled and will be considered by the Committee early in 2020 to decide on revisions to complete the update process. Final recommendations will be shared with local governments and regional Indigenous Nations, MLAs and MPs as well as made available to the public. The Committee has initiated two task groups to: 1) revisit options explored previously to include local governments in the governance structure for a modernized Treaty; and 2) work with the BC CRT Team to update information about the distribution of benefits in BC from the CRT and make this information easily accessible as a first step to understand the current sharing of benefits and, if needed, explore options for changes.  Communications: In early December Committee members and Indigenous Nations representatives had our first quarterly telecon to share perspectives on CRT related topics. On this call we discussed the CRT community meetings and our draft recommendations. The Committee continues a dialogue with BC Hydro in hopes of improving communications and engagement with local governments and Basin residents about ongoing operations. We are looking forward to a fulsome sharing of ideas with BC Hydro staff at our upcoming annual strategy session.  Columbia Basin Regional Advisory Committee (CBRAC) – A CBRAC meeting was held on October 8 and 9 in Revelstoke. The agenda included the province’s actions on community interests, negotiations update, BC Hydro operations updates and presentations from Indigenous Nations representatives about salmon recovery, ecosystem function integration in the CRT and their role in the negotiations. We also had a discussion with youth who participated in the Wildsight Columbia River Field School, which ended with a commitment to continue these discussions. Some members toured a new museum exhibit about the communities south of Revelstoke that were displaced to create the Arrow Reservoir. The next CBRAC meeting will be in Valemount on May 5-6 to facilitate a field trip to the Kinbasket reservoir when it is drawn down, leaving tens of kilometres of mudflats south of the community. CBRAC terms of reference, membership and meeting summaries as well as presentations and reports discussed at these meetings are available on the CBRAC webpage.

Upcoming  Budget preparation and funding discussions with CBT and the province. (Feb. – March)  The Committee’s annual strategy session. (March)  CRT session at the AKBLG AGM (April)

I encourage you to stay informed about CRT negotiations by visiting the CRT engagement website and signing up for the CRT e-letter. This site will be the source of accurate, updated information as negotiations progress. The next Committee Update will be come to you in May.

Committee Website Page 2

Committee Members RDKB - Linda Worley, Regional Director (LGC Chair) and Diane Langman, Village of Warfield Mayor/RDKBChair RDEK - Stan Doehle, Regional Director (LGC Vice Chair) and Jane Walter, Regional Director RDCK – Aimee Watson, Regional Director/RDCK Chair, Ramona Faust, Regional Director CSRD – David Brooks-Hill, Regional Director and Mayor Ron Oszust, Town of Golden Village of Valemount – Donnie MacLean, Councilor AKBLG – Ange Qualizza, Mayor of Fernie

Committee Website Page 3

1234ÿ36728ÿ29ÿ@ABCÿDCA4E3C

ÿÿ FGHIPÿRSTÿRURU ÿÿÿÿÿÿÿÿÿÿÿ

VWXYH`Ga`ÿbcRURUÿGaaYdaIeWea`ÿ

f37Cÿ636D3CEgÿh383i7p3Eÿ79hÿq7Cp93CEg

rs3Cÿt7C3uB8ÿtA9E2h3C7vA9w79hÿ42pxÿiB2h79t3ÿuCA6ÿqBD82tÿx378pxÿ7BpxAC2v3Ew ycFÿPGÿWGeÿ`PeÿeIYaÿ`YÿIGaIeÿYdHÿRURUÿbaadGÿcYaeHeaIeÿGaÿ HGe PYgÿEtx3hB83hÿpAÿp73ÿq87t3ÿB93ÿÿ29ÿACA9pAÿ

x2Eÿ2Eÿ9Apÿ7ÿh3t2E2A9ÿ43ÿp73ÿ82ixp8@ÿrÿ47EÿE3pÿpAÿDC29iÿpAi3px3Cÿ6AC3ÿpx79 gÿ8At78ÿ837h3CEÿBCÿ799B78ÿtA9u3C39t3ÿ2Eÿ7ÿ4A9h3CuB8ÿAqqACpB92p@ÿuAC 636D3CEÿpAÿtA993tpgÿ837C9gÿEx7C3ÿ79hÿiCA4ÿdÿ79hÿpx3ÿ2p@ÿAuÿACA9pAÿ43C3ÿE3p pAÿqBpÿA9ÿ7ÿqx39A63978ÿExA4ÿ

e2pxÿpx3ÿA9iA29iÿ1ffghÿq79h362tgÿABCÿpAqÿqC2AC2p@ÿ2EÿqCAp3tv9iÿtA9u3C39t3 q7Cvt2q79pEgÿpx3ÿ42h3CÿtA66B92p@ÿ79hÿABCÿx378pxÿt7C3ÿE@Ep36w4x283ÿEp7@29i uAtBE3hÿA9ÿEBqqACv9iÿ797h279EÿpxCABixÿpx2EÿtC2E2Eÿfÿ9A4ÿpx7pÿ788ÿAuÿ@ABÿ7C3 hA29iÿpx3ÿE763ÿ29ÿ@ABCÿA49ÿtA66B92v3E

Aÿ7hhC3EEÿEA63ÿ3@ÿiB3EvA9Eÿ2663h27p38@j

bÿeekG`eÿGaÿIYWXGaYaÿÿHeIeleÿdÿHedamÿn3i2Ep3C3hÿh383i7p3E 4288ÿC3t32o3ÿ79ÿ36728ÿ42px29ÿ7ÿ433ÿ42pxÿh3p728EÿA9ÿpx3ÿC3uB9hÿqCAt3EEÿpe3q88 78EAÿ4ACÿ42pxÿxAp38ÿq7Cp93CEÿpAÿ39EBC3ÿCAA6ÿh3qAE2pEÿ7C3ÿC3uB9h3hr ycFsÿbtFÿGaÿuYGHÿeeIvYawÿe3qC3ÿ3xq8AC29iÿ78p3C97p3ÿ47@EÿpAÿxA8hÿpx3E3 tC2vt78ÿ3o39pEgÿ79hÿ4288ÿEx7C3ÿh3p728EÿA9ÿqCAt3EEÿ79hÿv638293Eÿ7EÿEAA9ÿ7Eÿpx3@ 7C3ÿ7o7287D83ÿ

BCÿtA9u3C39t3ÿpx363ÿpx2Eÿ@37Cÿ47Eÿyzÿ|z}~zÿr9hÿC2ixpÿ9A4gÿ43ÿ7C3ÿ788ÿuAtBE3h A9ÿh382o3C29iÿEA8BvA9EÿpAÿ7ÿqBD82tÿx378pxÿ79hÿ3tA9A62tÿtC2E2EÿrEÿ8At78ÿ837h3CEgÿ43 7C3ÿEiB7C38@ÿA9ÿpx3ÿuCA9pÿ8293EÿrEÿdgÿ43ÿ7C3ÿx38q29iÿpAÿ837hÿ7ÿ97vA942h3 C3EqA9E3gÿtAACh297v9iÿ42pxÿABCÿu3h3C78ÿq7Cp93CEÿ79hÿApx3CÿEp73xA8h3CEÿ

rEÿ6Btxÿ7Eÿfÿ47Eÿ8AA29iÿuAC47ChÿpAÿE3329iÿ@ABÿ788ÿ29ÿACA9pAgÿ43ÿ7C3ÿhA29iÿ3x7tp8@ 4x7pÿABCÿC3E2h39pEw79hÿABCÿtAB9pC@w933hÿBEÿpAÿD3ÿhA29iÿC2ixpÿ9A4ÿ3t7BE3 43qC3ÿ29ÿpx2EÿpAi3px3C

ÿGH`ea dÿ C3E2h39p

x2Eÿ934E833Cÿ47EÿE39pÿpAÿt7A7E8At7 AÿAqpABpgÿuA88A4ÿpx2Eÿ829jÿ9EBDEtC2D3

ÿ87C39t3 C2o7t@ÿ A82t@ !!"#$%&$"#'(%')!!%()%!#(!"( (0!#0$((##&&!"!0 '&#%'# #'(#"' 0"&0"($#" ÿ 123442 TDIÿUVWDÿUGVVD aA48ÿ4R7AbÿA@ÿcBd3ÿe3B8f43 567879 XS 5@273AB TDIÿUVWDÿUYWW` CDEÿGHI ÿÿÿÿÿÿÿÿÿÿÿ PQRSQ7

gÿV`V`ÿX4h437iB@ÿBPÿp7@7hA7@ÿqd@AQAr7bAi4f

!!"#$%&$"#'(%')!!%()%!#(!"( (0!#0$((##&&!"!0 '&#%'# #'(#"' 0"&0"($# ÿ

1234ÿ36728ÿ29ÿ@ABCÿDCA4E3C

ÿÿ FGHIPÿRSTÿRURU ÿÿÿÿÿÿÿÿÿÿÿ

VWXY`GaW`bÿcWÿdeFfbÿgWGHhÿWiÿpYHqIcWHb

r37Cÿstuÿ636D3CEv

w7xyÿ@37CvÿstuEÿ636D3CEÿ383xÿy32CÿA7CÿAÿr2C3xACEÿ7ÿABCÿ 99B78ÿ393C78 u339vÿ7Eÿ7CÿAÿy3ÿ 99B78ÿtA93C39x3

837E3ÿD3ÿ72E3ÿy7ÿstuEÿ 99B78ÿtA93C39x3ÿ339ÿ4288ÿD3ÿx79x3883ÿy2Eÿ@37C B3ÿAÿy3ÿA9A29ÿxA9x3C9Eÿ7DABÿt1rÿsACÿ6AC3ÿ29AC67A9ÿ7DABÿy3 x79x3887A9ÿAÿy3ÿ339vÿ837E3ÿ2E2ÿstuEÿ43DE23

stuÿ2EÿxBCC398@ÿ38AC29ÿAA9EÿACÿ3823C29ÿABCÿ 99B78ÿ393C78ÿu339ÿ79 A7CÿAÿr2C3xACEÿ383xA9ÿyCAByÿ783C973ÿ6379EÿsBCy3Cÿ29AC67A9ÿA9 xy793EÿAÿy3ÿ383xA9ÿCAx3EEÿ79ÿ638293Eÿ4288ÿD3ÿxA66B92x73ÿ7EÿEAA9ÿ7E y3@ÿ7C3ÿ77287D83

9ÿy3ÿ637963vÿx79273Eÿ7C3ÿ39xABC73ÿAÿxA99B3ÿEBD62d9ÿy32C 9A6297A9Eÿ7Eÿ3Cÿy3ÿCAx3EEÿ3ExC2D3ÿA9ÿstuEÿ43DE23

e3ÿB93CE79ÿy7ÿ788ÿABCÿ636D3CEÿ7C3ÿDBE@ÿ42yÿt1rÿC3EA9E3ÿ3fACEÿC2y 9A4ÿe3ÿ78EAÿB93CE79ÿy7ÿEA63ÿAÿ@ABÿ67@ÿy73ÿ2gxB8@ÿ7EE29ÿC3EA8BA9E AÿxA6833ÿ@ABCÿ9A6297A9ÿ2ÿ@ABCÿtAB9x28ÿ2Eÿ9Aÿ6339ÿB3ÿAÿt1r 837E3ÿC3Eÿ7EEBC3ÿy7ÿ43ÿ4288ÿ7h3ÿy3E3ÿC37823Eÿ29AÿxA9E23C7A9ÿ79ÿ39EBC3 y7ÿ788ÿ293C3E3ÿx79273Eÿy73ÿ7ÿC37EA97D83ÿAACB92@ÿAÿ7Cx273ÿ29ÿy2E @37CEÿ383xA9

837E3ÿAÿ9Aÿy3E273ÿAÿE39ÿ79@ÿiB3EA9EÿAÿ383xA9Ejx6x7ÿACÿx788ÿBEÿ7ÿkl mnkooo

py79hÿ@AB

p26ÿq3yA3 ty23ÿw83xA9Eÿgx3C

py2Eÿ934E83r3Cÿ47EÿE39ÿAÿx7Ajh7E8Ax7 pAÿAABvÿA88A4ÿy2Eÿ829hsÿt9EBDExC2D3

ouÿt87C39x3 p C27x@ÿA82x@ vC33 klÿouÿwoo 1234ÿ36728ÿ29ÿ@ABCÿDCA4E3C r747v s 97C2A klÿouÿnuum qÿwl ÿÿÿÿÿÿÿÿÿÿÿ

!!"#$%$"#&'%&""" (#)((#!#0%%))""("00!(&"(&#!&%#&'!' "% )" ÿ

123425

6ÿ8989ÿ@ABAC5DEFÿE1ÿG5F5BH5FÿIPFH2HQ5RHDAS

!!"#$%$"#&'%&""" (#)((#!#0%%))""("00!(&"(&#!&%#&'!' "% ) 2019 Annual Report BETTER TOGETHER Keith Gibson (1953 to 2019) Keith Gibson was our Risk Manager for over 20 years. The MIABC’s members came to know Keith as he crisscrossed the province, visiting communities and spreading the gospel of risk management. Over time, he managed to visit every member and take a photograph of every municipal hall. In a tribute to Keith, his work, and his dedication to the local governments of BC, his photographs grace our cover this year. MIABC 2019 ANNUAL REPORT 1

Additional Copies of the Annual Report This report is available on our website at www.miabc.org or at our office: #200 - 429 West 2nd Avenue Vancouver, BC V5Y 1E3 Tel: (604) 683-6266 Fax: (604) 683-6244 [email protected]

TABLE OF CHAIRPERSON’S LETTER 02 CONTENTS BOARD OF DIRECTORS 04

STAFF DIRECTORY 06

BETTER TOGETHER 09

PROPERTY INSURANCE PROGRAM CELEBRATES FIFTH ANNIVERSARY 10

OUR CONTINUED COMMITMENT TO EXCEPTIONAL SERVICE 12

MIABC COMPLETES OWN RISK AND SOLVENCY ASSESSMENT 14

MEMBERS VOTE TO ENHANCE LIABILITY COVERAGE 15

2019 FINANCIAL HIGHLIGHTS 16

KPMG INDEPENDENT AUDITORS’ REPORT 18

AXXIMA REPORT OF THE ACTUARY 21

CONSOLIDATED FINANCIAL STATEMENTS 22

LIST OF MEMBERS 52 2 MIABC 2019 ANNUAL REPORT / CHAIRPERSON’S LETTER

Chairperson’s Letter

One cannot pass the torch without someone there ready to catch it, and I have full confidence in the board’s ability to thrive under new leadership. In the past several years, we have focused on effective governance practices to ensure a well-functioning board. We have placed emphasis on board recruitment and developed a pipeline of future qualified directors through our Member Advisory Groups. I see excellent bench strength on our current board.

Succession planning at the board level is reflected in succession planning across the organization, one of the major objectives of When I joined the MIABC’s board in 1994, I our 2019 - 2022 Strategic Plan. We believe did not expect I’d still be here 25 years later. this is crucial to an organization like ours that I did not expect I would eventually become prides itself on stability and intends to endure Chairperson. I did not expect, frankly, that I for generations. Our HR Manager is working would develop a passion for a local government on initiatives such as written job descriptions, risk pool. a staff skills assessment and a strengths deployment inventory. While my journey has been unexpected, it has also been tremendously gratifying. I have Member Engagement in the Face of a had a front-row seat to the success story that Changing Workforce is the MIABC. I saw the organization weather the bond market crash of the 1990s and the As we plan for succession in our own leaky condo crisis of the early 2000s. I saw organization, we also see succession occurring a membership base that remained largely in the communities that make up our intact through the difficult years, recognizing membership. The individuals who experienced that they were stronger together. Today, our the 1980s insurance crisis that gave rise to members can reap the rewards of a financially our creation are retiring. Many of today’s local stable organization that provides wide coverage government elected officials and staff were at stable rates and member services that born in the 1980s. cannot be found anywhere else. This creates new challenges for an organization like ours, which aims not to be the cheapest, Passing the Torch but the best value. Cheapest is obvious; As rewarding as the journey has been, I best value must be communicated. It is have decided this year will be my last as imperative that we take steps to convey our Chairperson; I will not stand for re-election next message to the new and future leaders of local year. In short, it is time to pass the torch. governments in BC. MIABC 2019 ANNUAL REPORT / CHAIRPERSON’S LETTER 3

This is reflected in the Strategic Plan, which None of our accomplishments would be set a goal to develop a targeted approach possible without the collective strength of the to communicating our value to members. MIABC members. We are truly better together, Staff made great strides in that direction and I would like to thank each of our members this year. The Member Services Department for continuing to support our mission. coordinated an Elected Official Engagement Plan that included an orientation session at As we enter a new decade, I encourage our AGM and a welcome package and video members to find new ways to engage with for new elected officials. Over the course of the the MIABC. Sign up for the Risk Management year, staff delivered presentations to 37 boards Conference. Attend a webinar. Schedule and councils. a presentation for your council. You most certainly will learn something that benefits Delivering Value your community. You may also, inadvertently, develop a passion for a local government risk In addition to communicating our value, we pool. must continue to deliver value. I have no doubt in our ability to do that. Look no further than the pages of this report, which describe many of our accomplishments of 2019. The MIABC continued to provide wide coverage at stable rates, while returning over $1.5 million to members in the form of dividends, grants, and member services. I applaud staff and management for their excellent work over the past year. 4 MIABC 2019 ANNUAL REPORT / BOARD OF DIRECTORS

Board of Directors

Back row (standing), left to right: First row (sitting), left to right: Councillor Chad Eliason Sheryl Worthing SILGA REPRESENTATIVE, (Former) DIRECTOR AT LARGE, VILLAGE OF BURNS LAKE CITY OF SALMON ARM Charles Hamilton Sukh Gill DIRECTOR AT LARGE, REGIONAL DISTRICT REPRESENTATIVE, COLUMBIA SHUSWAP REGIONAL DISTRICT THOMPSON-NICOLA REGIONAL DISTRICT Lance Kayfish Councillor Gord Klassen DIRECTOR AT LARGE, CITY OF KELOWNA NCLGA REPRESENTATIVE, CITY OF FORT ST. JOHN Director Penny Cote Councillor Myers Bennett AVICC REPRESENTATIVE, GROUP B REPRESENTATIVE, TOWN OF OSOYOOS ALBERNI-CLAYOQUOT REGIONAL DISTRICT Steffan Klassen Paul Gill GROUP C REPRESENTATIVE, TOWN OF CRESTON GROUP D REPRESENTATIVE, (Former) CITY OF MAPLE RIDGE Clay Nelson DIRECTOR AT LARGE, DISTRICT OF WEST VANCOUVER Sarah Morris DIRECTOR AT LARGE, (Former) Roy Scott CITY OF RICHMOND GROUP A REPRESENTATIVE, DISTRICT OF 100 MILE HOUSE Not pictured: Chair Rob Gay Mayor Jack Crompton AKBLG REPRESENTATIVE, LMLGA REPRESENTATIVE, RESORT MUNICIPALITY OF REGIONAL DISTRICT OF EAST KOOTENAY WHISTLER Karen Grommada GROUP D REPRESENTATIVE, CITY OF PORT COQUITLAM Councillor Ruth Hoyte SILGA REPRESENTATIVE, DISTRICT OF COLDSTREAM MIABC 2019 ANNUAL REPORT / BOARD OF DIRECTORS 5

2019 Committees (as of July 8, 2019)

Executive Committee Governance Committee

Charles Hamilton CHAIR Roy Scott CHAIR

Sukh Gill VICE CHAIR Sheryl Worthing VICE CHAIR Chad Eliason Penny Cote Gord Klassen Sukh Gill Roy Scott Gord Klassen

Finance/Audit Committee Member Services Committee

Sukh Gill CHAIR Gord Klassen CHAIR

Steffan Klassen VICE CHAIR Sarah Morris VICE CHAIR Tom Barnes Myers Bennett Clay Nelson Rob Gay Roy Scott Sheryl Worthing

Claims Committee

Chad Eliason CHAIR

Lance Kayfish VICE CHAIR Jack Crompton Karen Grommada Steffan Klassen 6 MIABC 2019 ANNUAL REPORT / STAFF DIRECTORY

Staff Directory

ADMINISTRATION DEPARTMENT

Tom Barnes Leigh Latchford Heidi Kriz Claudia Chan Andrea Imola CHIEF EXECUTIVE OFFICE & HR ADMINISTRATOR & OFFICE, COMMUNICATIONS & INTERN OFFICER MANAGER BOARD SECRETARY SYSTEMS ADMINISTRATOR

FINANCE DEPARTMENT

Maria Creighton Pritika Pratap CHIEF FINANCIAL ACCOUNTANT OFFICER

MEMBER SERVICES DEPARTMENT

Megan Chorlton Susan Ackerman Tony Lin DIRECTOR OF RISK MANAGEMENT RISK MANAGEMENT MEMBER SERVICES & ADVISOR DATA ANALYST GENERAL COUNSEL MIABC 2019 ANNUAL REPORT / STAFF DIRECTORY 7

INSURANCE DEPARTMENT

Glenn McLaughlin Nicole Purves Marina Sen Erica Shi DIRECTOR OF INSURANCE DEPUTY DIRECTOR OF INSURANCE SERVICES INSURANCE PROGRAMS INSURANCE COORDINATOR ADMINISTRATOR

CLAIMS DEPARTMENT

Sherman Chow David Tupper David Hooper Michelle Bourque DIRECTOR OF CLAIMS CLAIMS & RISK CLAIMS EXAMINER CLAIMS EXAMINER ANALYST

LEGAL DEPARTMENT

Maryam Sherkat Samantha Boyce Steven Gares Dana Romanick Harnimrit (Nim) Sian CHIEF RISK OFFICER & LEGAL COUNSEL LEGAL COUNSEL LEGAL COUNSEL LEGAL COUNSEL LEGAL COUNSEL

Annalee Diguangco Judy Yee LEGAL ASSISTANT LEGAL ASSISTANT

MIABC 2019 ANNUAL REPORT / BETTER TOGETHER 9

What does it mean to be “better together”? Thirty-three years ago, it meant members coming together to form the MIABC in response to a crisis. Today, “better together” means accessing value-added services that are unavailable anywhere in the private market. It means a Property and Ancillary Insurance Program specifically designed to cover the unique risks faced only by local governments. It means the collective ability to vote each year to expand or contract coverage. It means a financially strong organization that is simultaneously committed to keeping rates stable while seeking out new services and opportunities that benefit the membership.

Read on to learn how our members are together accomplishing great things. 10 MIABC 2019 ANNUAL REPORT / PROPERTY INSURANCE PROGRAM CELEBRATES FIFTH ANNIVERSARY

Property and Ancillary Insurance Program Celebrates Fifth Anniversary

For a quarter century, the MIABC name was A Stable and Growing Membership synonymous with liability insurance. That The MIABC placed its first property insurance changed in 2014 with the addition of the policy in late 2014 and membership has grown Property and Ancillary Insurance Program. Today, every year since. Since 2016, the Property the MIABC celebrates five years as a “one-stop Insurance Program has doubled the size of its insurance shop” for local governments in BC. insured assets, realizing the stable critical mass needed to sustain the program. Where We Began Like the MIABC itself, the idea for the Property A Brokerage Company Dedicated to our and Ancillary Insurance Program came directly Members from local governments. In a 2012 survey, In 2014, a brokerage arm, Civic Risk Insurance members overwhelmingly requested expanded Solutions Inc. (CRIS), was created to obtain coverage; they wanted a single source for all of ancillary and specialty coverage not underwritten their insurance needs. by the MIABC. Since then, its role has expanded. CRIS is forging relationships directly with The MIABC began working toward meeting insurers in order to access new products for our that goal. In consultations, the MIABC asked, members. “If you owned your own insurance company, what coverage, conditions and terms would you New Brokered Insurance Programs give yourself?” The members do own their own In 2019, we developed two brokered insurance insurance company, and their responses shaped programs for our members. Our Cyber Liability the eventual policy. and Legal Expense Insurance Programs are aligned to the specific exposures faced by local At the MIABC’s AGM in September 2013, the governments. This tailored coverage is not membership unanimously approved a resolution available anywhere else. to proceed with the Property and Ancillary Insurance Program. The program launched the Where We’re Going following fall. Where will the program be five years from today? Members continue to guide the evolution of “I may not have a crystal ball,” says Director of the program. A Programs Member Advisory Insurance Glenn McLaughlin, “but I’m confident Group acts as a focus group for new product we will continue to expand our participation. development. This helps us to ensure we are When members are ready to review their anticipating and meeting our members’ needs. property insurance provider or broker, we will be there, ready to demonstrate our value. With The Property and Ancillary Program Today prices on an upward trend in the commercial market, I expect members will begin to truly A Comprehensive Policy appreciate the stability of our property insurance At the core of the program is a Property pricing. Stability has long been the mantra of Insurance Agreement specifically crafted to the liability program, and we apply that same include the best features of other property approach to property insurance.” insurance policies. Our team continually canvasses the market to ensure we are offering the best coverage available to local governments. MIABC 2019 ANNUAL REPORT / PROPERTY INSURANCE PROGRAM CELEBRATES FIFTH ANNIVERSARY 11

CHRISTINE YEW NATALIE WEHNER Finance Manager Corporate Financial Officer City of Prince Rupert Cowichan Valley Regional District

“I depend on the MIABC’s staff for insurance advice “When working with MIABC the claims process is all the time. … They go above and beyond to provide quick and easy. Whether you are adding new professional assistance.” properties, submitting a claim, or just enquiring about a service, staff are very responsive and knowledgeable.“

MIKE VEENBAAS JAMIE SLATER Director of Financial Services Director of Financial Services Fraser Valley Regional District District of Lantzville “FVRD has been very happy with the MIABC “The District of Lantzville is pleased with the decision Property and Ancillary Insurance Program since to join the Property and Ancillary Insurance Program. making the switch in 2018. The staff are quick to MIABC staff have provided us with timely responses respond to enquiries and are very knowledgeable to insurance questions, flexible insurance options about the program. The financial savings from and coverages, and assistance determining optimum switching was an added bonus!” levels of coverage without incurring unnecessary premiums.” 12 MIABC 2019 ANNUAL REPORT / OUR CONTINUED COMMITMENT TO EXCEPTIONAL SERVICE

Our Continued Commitment to Exceptional Service

Together, the MIABC’s members have achieved a Unmatched Services level of service that is unmatched anywhere. From partnership comes power. The MIABC and its members achieve vastly more than any Risk management services have long been a one community could achieve individually. This focus of the MIABC. Our founders recognized is particularly true with respect to our services, that as a risk pool, the organization would many of which cannot be found anywhere else. benefit from each member practicing good risk management, thereby lowering liability A prime example is the Core Building Bylaw exposures for the whole. Over time, this has project that we undertook in 2018 and 2019. evolved into a commitment by every MIABC The purpose of the project was to provide department to delivering exceptional service in a members with building bylaw wording that could way that helps our members to thrive. This level be adopted with minimal modification. Had of service is only possible because the MIABC is every member individually retained lawyers to owned by the communities it insures. draft their bylaws, the costs would have been prohibitive. Because we are a pool made up with Customized Services members that share many of the same needs, As a member-owned organization, the MIABC we were able to complete this project in a cost- aims to customize its services to each member, effective way. acting as an extension of their risk management departments. This is one of our guiding Similarly, the Casual Legal Advice Program is principles: to serve each member equally and made possible by the fact that the MIABC is uniquely. made up of a large number of local governments that face similar issues. For a low annual fee, We achieve this level of customization partly subscribers to the program can contact local through our commitment to seeking member government lawyers at any time for up to 30 feedback. Our Member Advisory Groups, minutes of legal advice per question. The composed of a diverse collection of local program is one of a kind in this province. government staff, provide guidance on the MIABC’s plans, priorities, and operations. We Finally, our in-house Claims and Legal send out a Member Service Survey annually and Departments, dedicated solely to the a Closed Claim Survey at the conclusion of most management and defence of claims against claims. Feedback also comes from less formal local governments, are unique. No private insurer avenues; at member visits and on phone calls, could achieve this level of specialized expertise, we aim to listen to and learn from members’ which benefits members not only in the handling concerns. of claims, but also in the lessons we learn from those claims. For example, many of the sessions In 2019, we focused on providing customized at our annual Risk Management Conference are face-to-face education and training to our informed by lessons learned from real-life cases. members’ council and staff. We delivered dozens of presentations, visiting 40 members in total. Any member could request a visit, and we planned the sessions to meet each member’s specific needs. MIABC 2019 ANNUAL REPORT / OUR CONTINUED COMMITMENT TO EXCEPTIONAL SERVICE 13

A Supportive Community network, while sharing ideas and resources. Our mandate is not only to support our Members are drawn to the conference not only members, but also to foster their interaction by the informative sessions, but also by the with each other. We want our members to turn opportunity to connect with their peers. to each other for support – just as they did when the MIABC was founded – and to learn from each None of this would be possible without a other’s experiences and best practices. recognition by our members that togetherness breeds strength. The MIABC and its members One way in which we achieve this is our Annual achieve vastly more than any one community Risk Management Conference, which in 2019 could achieve individually. attracted staff from 87 of our members. Many sessions were designed to allow delegates to

COUNCILLOR LORNE BENSON COUNCILLOR HEATHER STEWIN Town of Smithers District of Hope “When you call the MIABC, there’s no need to “The MIABC’s free webinars are fascinating. navigate a complicated departmental hierarchy; They’ve taught me to ask questions I didn’t even it seems that the whole office is committed to know I should be asking.” responding quickly and helpfully to member inquiries.”

MAYOR BARBARA RODEN COUNCILLOR MYERS BENNETT Village of Ashcroft Town of Osoyoos “We asked the MIABC’s loss control inspector “I’ve seen first-hand the value of the MIABC’s to come out and inspect our playground. It was services. From the day-to-day risk management wonderful knowing we could expect to receive a advice to the Casual Legal Advice program, the Town quality report containing a full account of our risks, has access to professionals it could never afford to including recommendations on how we should retain on its own.” address them.” 14 MIABC 2019 ANNUAL REPORT / BOARD COMPLETES OWN RISK AND SOLVENCY ASSESSMENT

Board Completes Own Risk and Solvency Assessment

Our members value cost stability and What did the Board learn from completing the predictability, together with the ability to access ORSA this year? That we have a conservative risk services available nowhere else. They – through appetite and a healthy capital position. a Board made up of their representatives – have achieved that together. How does that benefit our members? Stability and flexibility. Stability in the sense that we have In 2019, the MIABC’s Board completed an Own sufficient capital to keep our rates steady even Risk and Solvency Assessment (ORSA) with the in the event that our major external costs – such assistance of our actuary. An ORSA is a decision- as reinsurance rates – increase. Flexibility in making tool that aims to continuously assess the sense that we have the freedom to allocate solvency needs related to the specific risk profile capital to opportunities – such as new products of an organization. and services – when they arise, without concern about compromising our financial strength Risks, of course, are the central focus of our and ability to meet our obligations. Now that organization. The members, in exchange for the the ORSA is complete, the Board will use it as payment of a premium, have transferred a slate a strategic planning tool; the Board can make of risks to the MIABC. The MIABC continuously decisions on allocating capital to various risks assesses its capital to ensure its solvency in and opportunities with the confidence that it is the event of those risks materializing. Like all maintaining a strong capital position. Canadian insurance institutions, the MIABC must regularly meet a “minimum capital test” set by our regulator.

The ORSA takes risk monitoring a step further. It requires participants to identify the specific types of risks faced by our organization. The actuary then performs stress tests, coming up with an actuarial estimate of the statistical chance of each risk coming to fruition. The Board determines its risk appetite and allocates an amount of capital to each risk.

Capital is allocated, of course, to standard risks such as the risk of large claims and risk of investment losses. But that’s not all. Capital is also allocated to support new ventures (such as the Property and Ancillary Insurance Program) and new services for our members. MIABC 2019 ANNUAL REPORT / MEMBERS VOTE TO EXPAND COVERAGE 15

Members Vote to Expand Coverage

Members coming together to dictate their own • Expanding defense cost coverage where coverage is one of the reasons the MIABC was an insured is accused of an intentional act created. It still happens today. – Now, the wording of the Intentional Act Exclusion makes it clear that defense costs During the insurance crisis of the 1980s, are covered where the insured has denied adequate coverage wasn’t just expensive; it was that they engaged in the alleged intentional unavailable. Policies no longer covered the major act. liability exposures faced by local governments. • Extending coverage for damage to property For the group of communities that formed the in the care, custody, or control of members MIABC, a core mission was to provide local – Now, members have coverage for damage governments with the coverage they need. to property in the care, custody, or control Today, the MIABC’s members continue to of a member where damages claimed are determine coverage. It is an ongoing exercise. under $250,000. Risks emerge and evolve, and so must insurance coverage. Every year at the AGM, the • Extending coverage to expectation MIABC’s members have both the privilege and damages in breach of contract claims – responsibility to vote on proposed coverage Now, there is coverage in breach of contract changes. claims for expectation damages, such as future loss of profits, up to a limit of $2 The impetus for the coverage changes comes million. both from members and management. We listen • Streamlining the process for adding the closely to member suggestions. We take note Provincial Government as an additional of the claims for which we must deny coverage insured – Now, members no longer have to because they fall outside the Liability Protection apply to the MIABC each time they wish to Agreement. We also survey the coverage add the Province as an additional insured. available in the private market to ensure we are Instead, they must only complete one remaining competitive and able to meet our standard form certificate in January of each members’ needs. year.

At this year’s AGM, members voted in favour of The members also approved substantial several coverage expansions: amendments to both the Reciprocal Insurance • Expanding coverage for unmanned aircraft Exchange Agreement and the Liability vehicle systems (drones) – Now, coverage Protection Agreement (LPA). The revisions were no longer depends on members having aimed at modernizing language and improving obtained written permission from property readability. owners for flying over their property. Coverage has also been extended to damages arising from personal injury or property damage. 16 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS

2019 Financial Highlights

sourced a wide range of ancillary products for our members, realizing broker commission revenue of $182,000. The MIABC changed its property reinsurance broker of record to CRIS at the October 1, 2019 renewal.

The Board declared dividends of $758,000 in addition to returning $580,000 to members in the form of Risk Management Grants. The MIABC also spent $261,000 on risk management programs including scholarships, webinars, member visits and the Risk I am pleased to present the MIABC’s Financial Management Conference. Statements for the 2019 fiscal year. The MIABC’s capital position remains strong, Subscribers’ equity sits at $84.2 million, down as reflected in its minimum capital test from $88.98 million in 2018. We sustained an (MCT) ratio of 390%, which is well above the operating loss of $8.8 million, largely due to requirements of our regulator. an adverse development on an outlier claim that resulted in a substantial reserve increase. Overall, our solid financial position continues to Large claims such as this tend to skew fiscal support our ability to absorb large claims while year results but we expect to see smoothing providing excellent coverage at stable rates over a longer term. and returning profits to our members through dividends, grants, and member services. Gross written premiums for the Liability and Property Insurance Programs totaled $18.2 million, slightly up from $17.7 million in 2018.

The Property and Ancillary Insurance Program saw favourable results, generating profits that served to offset the impact of the underwriting loss sustained by the Liability Insurance Sukh Gill Program. Civic Risk Insurance Solutions (CRIS) Chair, Finance/Audit Committee MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 17

Financial Statements 2019

Consolidated Financial Statements of

MUNICIPAL INSURANCE ASSOCIATION OF BRITISH COLUMBIA

Year ended December 31, 2019 18 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 19 20 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 21

Actuaries and Insurance Management Advisors

REPORT OF THE ACTUARY

Role of Actuary

The actuary is appointed by the Board of Directors of the Municipal Insurance Association of British Columbia (“MIABC”) pursuant to the Insurance Act. The actuary is responsible for ensuring that the assumptions and methods used in the valuation of policy liabilities are in accordance with accepted actuarial practice, applicable legislation and associated regulations or directives. The actuary is also required to provide an opinion regarding the appropriateness of the policy liabilities at the balance sheet date to meet all policyholder obligations of MIABC. Examination of supporting data for accuracy and completeness and consideration of MIABC’s assets are important elements of the work required to form this opinion.

Policy liabilities include unearned premiums, unpaid claims and adjustment expenses, the reinsurers’ share of unearned premiums and unpaid claims and adjustment expenses, deferred premium acquisition costs, premium deficiency and retrospective adjustments. The actuary uses the work of the external and internal auditors in verifying data used for valuation purposes.

Appointed Actuary’s Report

To the Subscribers of the Municipal Insurance Association of British Columbia

I have valued the policy liabilities and reinsurance recoverables of the Municipal Insurance Association of British Columbia for its statement of financial position at December 31, 2019 and their changes in the statement of earnings for the year then ended in accordance with accepted actuarial practice in Canada, including selection of appropriate assumptions and methods.

In my opinion, the amount of policy liabilities net of reinsurance recoverables makes appropriate provision for all policy obligations and the financial statements fairly presents the results of the valuation.

______St‐Bruno‐de‐Montarville, Quebec Julie‐Linda Laforce February 27, 2020 Fellow, Canadian Institute of Actuaries

2200 Marie-Victorin, suite 201, St-Bruno-de-Montarville, Québec, J3V 0M2 Tel. 1.450.646.2500 | Fax. 1.855.529.9462 | Web. www.axxima.ca 22 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 23 24 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 25 26 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 27 28 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 29 30 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 31 32 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 33 34 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 35 36 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 37 38 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 39 40 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 41 42 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 43 44 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 45 46 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 47 48 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS 49 50 MIABC 2019 ANNUAL REPORT / FINANCIAL STATEMENTS

52 MIABC 2019 ANNUAL REPORT / MEMBERS Members

Group A (Up to 2,000) Group B (2,001 to 5,000) 100 Mile House Mount Waddington Anmore Mackenzie Alert Bay RD Bowen Island Northern Rockies Ashcroft MIABC Burns Lake RD Barriere Nakusp Chase Oliver Belcarra New Denver Chetwynd Osoyoos Cache Creek New Hazelton Clearwater Pemberton Canal Flats North Coast RD Cumberland Port Hardy Central Coast RD Port Alice Duncan Port McNeill CivicInfo BC Port Clements Elkford Princeton Clinton Port Edward Enderby Rossland Fort St. James Pouce Coupe Fernie Sicamous Fraser Lake Queen Charlotte Fruitvale Sparwood Gold River Radium Hot Springs Gibsons Squamish-Lillooet RD Granisle Salmo Golden Tofino Greenwood Sayward Grand Forks Tumbler Ridge Harrison Hot Springs Silverton Highlands Vanderhoof Hazelton Slocan Houston Hudson’s Hope Stewart Invermere Jumbo Glacier Tahsis Lake Cowichan Kaslo Taylor Lantzville Keremeos Telkwa Lillooet Lions Bay UBCM Logan Lake LGMA Ucluelet Lumby Valemount Lytton Warfield Masset Wells McBride Zeballos Midway Montrose MIABC 2019 ANNUAL REPORT / MEMBERS 53

Group C (5,001 to 25,000) Group D (25,000 +) Alberni-Clayoquot RD Oak Bay Campbell River Armstrong Okanagan- Central Kootenay RD Bulkley-Nechako RD Similkameen RD Cowichan Valley RD Castlegar Parksville Kamloops Central Saanich Peace River RD Kelowna Coldstream Peachland Langley, City Columbia Shuswap RD Pitt Meadows Maple Ridge Comox Valley RD Powell River, City Mission Courtenay Prince Rupert Nanaimo, City Cranbrook qathet RD Nanaimo RD Creston Qualicum Beach North Vancouver, District Dawson Creek Quesnel Penticton East Kootenay RD Revelstoke Port Coquitlam Esquimalt Salmon Arm Port Moody Fort St. John Sechelt Richmond Fraser Valley RD Sidney Vernon Fraser-Fort George RD Smithers Victoria Hope Sooke West Kelowna Kent Spallumcheen West Vancouver Kimberley Squamish Whistler Kitimat Strathcona RD Kitimat-Stikine RD Summerland Kootenay Boundary RD Sunshine Coast RD Ladysmith Terrace Lake Country Thompson-Nicola RD Merritt Trail Metchosin View Royal Nelson White Rock North Okanagan RD Williams Lake North Saanich Municipal Insurance Association of British Columbia

200-429 West 2nd Avenue Vancouver, BC V5Y 1E3

Phone: 604-683-6266 Fax: 604-683-6244 Toll Free: 1-855-683-6266

www.miabc.org 2ER"3432%"E$!4$%5%67838

RE !R"E#$"! Ka !"#$%&!!a'($") QR$*"S$E@; Ka !"#$*+$$%,-$./,

%""E5"3!5 ]a3$_H3!"T @!RA$!R#ER ,,?.1=<

!$5;E#$?$"E< <,<,M,?M.N$,=^.E$`$$;a+ R!=E2" _P&32&3'$4aJ(P RE !R"E# <,<,M,?M<,$.,^E? R!=E2"$354! 2!2$5;

39'*).&:'+)91 +F6R$ F3a!5J&7a!$ L(PG&7( $ & $ a$ J( J&3'$ !aU"PaJ"P5$ )H!!$ ")$ 9aPJ#$ (3'a'(:$ 7&(3J& J $ :P&G(3$ J"$ 9a2($ J8($ B"P!:$ a$ a)(P$ a3:$ 8(a!J8&(P$ T!a7(O$ K8P"H'8$ "HP$ 7!&(3J V$ TP"W(7J $ B($ U(7"9($ a3$ ( (3J&a!$ (!(9(3J$ )"P$ a$ U(JJ(P$ B"P!:O$ 4($ (9T!"5$ 9(J8": $ 7"3:H7J(:$ &3$ a77"P:a37($ B&J8$ P(7"'3&X(:$ TP")( &"3a!$ Ja3:aP: $ H &3'$ a77(TJ(:$ J( J&3'$ 9(J8":"!"'&( $ a3:$ YHa!&J5$ 7"3JP"!$ ())"PJ O$ +F6R$ & $ a77P(:&J(:$ U5$ J8($ +a3a:&a3$ F "7&aJ&"3$ )"P$ ZaU"PaJ"P&( $ F77P(:&JaJ&"3$ [+FZF\$ J"$ ]LR$ .@,

Bi !"i#$%&'!(i)'*i#*+ B'C:'!D-$!E0'2i+$&5 J0'1)!-6!$0'!E%&:'

,-%! *.-/! $01$! $0'! +1234'! 5-%! #-44'#$')! 16$'&! F$G+! +i234'A! B'! 6i %&'! $0'! 2-&'! 5-%! K 0 & - % 0 ! & ' + ' 1 & # 0 7 ! & ' % 4 1 $ i - .! +.-/+0-'i. ! $-! +i$'7! )i i. ! 8! 2'$'&+7! 1.)! '.H-5! /-&*i. ! /i$0! -%&! 6%.! 1.)! *.-/4') '7! 1.)! i.+$&%2'.$1$i-.7! /'! &1#i. ! $-! '$! i$! -.! 1! 341.'! +-! 5-%! #1.! +%92i$! i$! '. 1 ')! $'12! 2'29'&+I! $0'! 2-&'! 1&'! 5-%&! 1.145$i#14! #'.$&'! 6-&! $0'! $-! $0'! 419! 6-&! $i2'! +'.+i$i:'! &'+%4$+! .'')')! $-! 4i*'45! 5-%! 1&'! $-! i:'! %+! #-.$i.%')! $'#0.i#14! *.-/4') '! 5-%! .'')7! 21*'! i23-&$1.$! 1.)! ';3'.+i:'! )'#i+i-.+! -33-&$%.i$i'+!$-!+%33-&$!5-%A B?LM@?! 5-%! .'')! i$7! +-! 5-%! #1.! +$15! ?@,!i23-&$1.$A!B'!*.-/!$01$!$--A %3!$-!)1$'!1.)!i.!$0'!*.-/A

If !"# $%&' %(! )#'*+,"(* "- ."(.'-(*/ 01'%*' ."(+%.+ 2' %+ +'%2.%-"3.%-"4.%

%&'()*+,-.$/01 K(a9$+F6R +!&(3J$L(PG&7($6(TP( (3JaJ&G(

.MNNNM?..MNN1;$>$$BBBO7aP"O7a

0..,$1,..$%&2&3'$4a5$6&789"3:#$*+$$%;%$$$0.,<$?;@@$A&'8Ba5$=@C$K(!"B3a#$*+$$%.D$E+?$$>$$.@<

6(G$<,[email protected],@ 2B*+9C$%D)&'$R-E&F'EG$!DH+)&EF0I PageQa'($.$")$? 1 of 3 "E8"$RE8;6"8

RE !R"E#$"! Ka !"#$%&!!a'($") @!RA$!R#ER ,,?.1=< R!=E2" _P&32&3'$4aJ(P RE !R"E# <,<,M,?M<,$.,^E?

$%9BF0'- $$R-E&F'$ J&+.-F+9- $$$R6$ ;9+'E %9BF0,-. K&BF+L+-*

E9.$)L$#+E'*+D&'+)9$MNNOPQRSTNPU$V$

Mi !"#i"$"%i &$'(&!&)*+*!, +"!&)"P9 #$K"Ja! d$. /F+$e$, . +bc`.,,$9Z <,<,M,?M.N IO$7"!& d$. /F+$e$, . +bc`.,,$9Z <,<,M,?M.N

6(G$<,[email protected],@ 2B*+9C$%D)&'$R-E&F'EG$!DH+)&EF0I PageQa'($<$")$? 2 of 3 % E5#3[$P1$8; !R"35J$354!R<%"3!5

RE !R"E#$"! Ka !"#$%&!!a'($") @!RA$!R#ER ,,?.1=< R!=E2" _P&32&3'$4aJ(P RE !R"E# <,<,M,?M<,$.,^E?

%9BF0E+E$#-E:*+Y'+)9 <-'().$R-LI "-:(9+\&- 6):B'+)9

+"!&)"P9 #$K"Ja!$&3$4aJ(P L/$=<<

5"+'6 7( %*+'-,*8 ,( +$' 9'+$": ;'f'-'(.' ,(:,.%+'* +$%+ +$' <7;= 2'+$": $%* >''( 2":,f,': f-"2 +$' -'f'-'(.' 2'+$":

JF)EEB*0$)L$"-*XE1 6Z $$ 6(T"PJ&3'$Z&9&J$[:()aH!J\ d Z( $J8a3$J8($ T(7&)&(:$6(T"PJ&3'$Z&9&J$[6Z\$M$J8($a7JHa!$6Z$9a5$U($8&'8(P$J8a3$J8($:()aH!J$6Z$:H($J"$GaP&"H $)a7J"P +bc`.,,$9Z +"!"35$b"P9&3'$c3&J $T(P$.,,$9&!!&!&JP( /F+ /aS&9H9$F77(TJaU!($+"37(3JPaJ&"3$[8(a!J8$Ua (:\ L/ LJa3:aP:$/(J8": $)"P$J8($ISa9&3aJ&"3$")$4aJ(P$a3:$4a J(BaJ(P#$F9(P&7a3$QHU!&7$A(a!J8$F "7&aJ&"3

J-9-*BF$2)XX-9'E1 K8($ P( H!J $ &3$ J8& $ P(T"PJ$ aTT!5$ J"$ J8($ a9T!( $ a3a!5X(:$ &3$ a77"P:a37($ B&J8$ J8($ +8a&3$ ")$ +H J":5$ :"7H9(3JO$ K8& $ a3a!5J&7a!$ P(T"PJ$ 9H J$ U($ P(TP":H7(:$ &3$ &J $ (3J&P(J5O$ +F6R$ & $ 3"J$ P( T"3 &U!($ )"P$ a35$ !" $ "P$ :a9a'($ P( H!J&3'$ :&P(7J!5$ "P$ &3:&P(7J!5$ )P"9$ (PP"P$ "P$ "9& &"3$ &3$ J8($ 7"3:H7J$ ")$ J( J&3'O$ Z&aU&!&J5$ & $ !&9&J(:$ J"$ J8($ 7" J$ ")$ a3a!5 & O$ $ La9T!( $ B&!!$ U($ :& T" (:$ ")$ ?,$ :a5 $ a)J(P$ J8($ J( J$ P(T"PJ$ 8a $ U((3$ & H(:$ H3!( $ "J8(PB& ($ a'P((:$ J"$ &3$ BP&J&3'O$ K8($ YHa!&J5$ 7"3JP"!$ [g+\$ :aJa$& $aGa&!aU!($HT"3$P(YH( J

6( H!J $ &3$ /)F.$ &3:&7aJ($ Ga!H( $ J8aJ$ aP($ aU"G($ +F6RV $ 9(J8":$ P(T"PJ&3'$ !&9&J O$ $ F35$ P( H!J $ J8aJ$ aP($ aU"G($ P('H!aJ"P5$ !&9&J $ aP($ 8&'8!&'8J(:$ *-.O$ $ Q!(a ($ 3"J($ J8aJ$ P( H!J $ B&!!$ "3!5$ U($ 8&'8!&'8J(:$ P(:$ &)$ J8($ P('H!aJ"P5$ !&9&J $ aP($ &37!H:(:$ "3$ J8($ +F6R$ P(T"PJO$ $ F35$ *"!:$ a3:`"P$ 8&'8!&'8J(:$ P( H!J $ :"$ 3"J$ Ja2($ &3J"$ a77"H3J$ 9(J8":$ H37(PJa&3J5O$ $ ])$ 5"H$ B"H!:$ !&2($ 9(J8":$ H37(PJa&3J5$"P$P('H!aJ"P5$!&9&J $J"$U($&37!H:(:$"3$5"HP$P(T"PJ#$ T!(a ($7"3Ja7J$5"HP$F77"H3J$/a3a'(P^J(a97aP"h7aP"O7a

6(G$<,[email protected],@ 2B*+9C$%D)&'$R-E&F'EG$!DH+)&EF0I PageQa'($?$")$? 3 of 3 2ER"3432%"E$!4$%5%67838

RE !R"E#$"! Ka !"#$%&!!a'($") QR$*"S$E@; Ka !"#$*+$$%,-$./,

%""E5"3!5 ]a3$_H3!"T @!RA$!R#ER ,,?<,,.

!$5;E#$?$"E< <,<,M,?M

Bi !"i#$%&'!(i)'*i#*+ B'C:'!D-$!E0'2i+$&5 J0'1)!-6!$0'!E%&:'

If !"# $%&' %(! )#'*+,"(* "- ."(.'-(*/ 01'%*' ."(+%.+ 2' %+ +'%2.%-"3.%-"4.%

%&'()*+,-.$/01 K(a9$+F6R +!&(3J$L(PG&7($6(TP( (3JaJ&G(

.MNNNM?..MNN1;$>$$BBBO7aP"O7a

0..,$1,..$%&2&3'$4a5$6&789"3:#$*+$$%;%$$$0.,<$?;@@$A&'8Ba5$=@C$K(!"B3a#$*+$$%.D$E+?$$>$$.@<

6(G$<,[email protected],@ 2B*+9C$%D)&'$R-E&F'EG$!DH+)&EF0I PageQa'($.$")$? 1 of 3 "E8"$RE8;6"8

RE !R"E#$"! Ka !"#$%&!!a'($") @!RA$!R#ER ,,?<,,. R!=E2" _P&32&3'$4aJ(P RE !R"E# <,<,M,?M<;$.;^1.

$%9BF0'- $$R-E&F'$ J&+.-F+9- $$$R6$ ;9+'E %9BF0,-. K&BF+L+-*

E9.$)L$#+E'*+D&'+)9$MNNOPNNQRNQS$T$

Mi !"#i"$"%i &$'(&!&)*+*!, +"!&)"P9 #$K"Ja! d$. /F+$e$, . +bc`.,,$9Z <,<,M,?M

6(G$<,[email protected],@ 2B*+9C$%D)&'$R-E&F'EG$!DH+)&EF0I PageQa'($<$")$? 2 of 3 % E5#3Y$Q1$8; !R"35J$354!R<%"3!5

RE !R"E#$"! Ka !"#$%&!!a'($") @!RA$!R#ER ,,?<,,. R!=E2" _P&32&3'$4aJ(P RE !R"E# <,<,M,?M<;$.;^1.

%9BF0E+E$#-E:*+W'+)9 <-'().$R-LI "-:(9+Z&- 6):B'+)9

+"!&)"P9 #$K"Ja!$&3$4aJ(P L/$=<<

5"+'6 7( %*+'-,*8 ,( +$' 9'+$": ;'f'-'(.' ,(:,.%+'* +$%+ +$' <7;= 2'+$": $%* >''( 2":,f,': f-"2 +$' -'f'-'(.' 2'+$":

JF)EEB*0$)L$"-*VE1 6Z $$ 6(T"PJ&3'$Z&9&J$[:()aH!J\ d Z( $J8a3$J8($ T(7&)&(:$6(T"PJ&3'$Z&9&J$[6Z\$M$J8($a7JHa!$6Z$9a5$U($8&'8(P$J8a3$J8($:()aH!J$6Z$:H($J"$GaP&"H $)a7J"P +bc`.,,$9Z +"!"35$b"P9&3'$c3&J $T(P$.,,$9&!!&!&JP( /F+ /aS&9H9$F77(TJaU!($+"37(3JPaJ&"3$[8(a!J8$Ua (:\ L/ LJa3:aP:$/(J8": $)"P$J8($ISa9&3aJ&"3$")$4aJ(P$a3:$4a J(BaJ(P#$F9(P&7a3$QHU!&7$A(a!J8$F "7&aJ&"3

J-9-*BF$2)VV-9'E1 K8($ P( H!J $ &3$ J8& $ P(T"PJ$ aTT!5$ J"$ J8($ a9T!( $ a3a!5X(:$ &3$ a77"P:a37($ B&J8$ J8($ +8a&3$ ")$ +H J":5$ :"7H9(3JO$ K8& $ a3a!5J&7a!$ P(T"PJ$ 9H J$ U($ P(TP":H7(:$ &3$ &J $ (3J&P(J5O$ +F6R$ & $ 3"J$ P( T"3 &U!($ )"P$ a35$ !" $ "P$ :a9a'($ P( H!J&3'$ :&P(7J!5$ "P$ &3:&P(7J!5$ )P"9$ (PP"P$ "P$ "9& &"3$ &3$ J8($ 7"3:H7J$ ")$ J( J&3'O$ Z&aU&!&J5$ & $ !&9&J(:$ J"$ J8($ 7" J$ ")$ a3a!5 & O$ $ La9T!( $ B&!!$ U($ :& T" (:$ ")$ ?,$ :a5 $ a)J(P$ J8($ J( J$ P(T"PJ$ 8a $ U((3$ & H(:$ H3!( $ "J8(PB& ($ a'P((:$ J"$ &3$ BP&J&3'O$ K8($ YHa!&J5$ 7"3JP"!$ [g+\$ :aJa$& $aGa&!aU!($HT"3$P(YH( J

6(G$<,[email protected],@ 2B*+9C$%D)&'$R-E&F'EG$!DH+)&EF0I PageQa'($?$")$? 3 of 3 2ER"3432%"E$!4$%5%67838

RE !R"E#$"! Ka !"#$%&!!a'($") QR$*"S$E@; Ka !"#$*+$$%,-$./,

%""E5"3!5 ]a3$_H3!"T @!RA$!R#ER ,,1,,@?

!$5;E#$?$"E< <,<,M,1M,.$,N^<,$`$$=a+ R!=E2" _P&32&3'$4aJ(P RE !R"E# <,<,M,1M,<$.E^E. R!=E2"$354! 2!2$5;

Bi !"i#$%&'!(i)'*i#*+ B'C:'!D-$!E0'2i+$&5 J0'1)!-6!$0'!E%&:'

If !"# $%&' %(! )#'*+,"(* "- ."(.'-(*/ 01'%*' ."(+%.+ 2' %+ +'%2.%-"3.%-"4.%

%&'()*+,-.$/01 K(a9$+F6R +!&(3J$L(PG&7($6(TP( (3JaJ&G(

.MNNNM?..MNN1;$>$$BBBO7aP"O7a

0..,$1,..$%&2&3'$4a5$6&789"3:#$*+$$%;%$$$0.,<$?;@@$A&'8Ba5$=@C$K(!"B3a#$*+$$%.D$E+?$$>$$.@<

6(G$<,[email protected],@ 2B*+9C$%D)&'$R-E&F'EG$!DH+)&EF0I PageQa'($.$")$? 1 of 3 "E8"$RE8;6"8

RE !R"E#$"! Ka !"#$%&!!a'($") @!RA$!R#ER ,,1,,@? R!=E2" _P&32&3'$4aJ(P RE !R"E# <,<,M,1M,<$.E^E.

$%9BF0'- $$R-E&F'$ J&+.-F+9- $$$R6$ ;9+'E %9BF0,-. K&BF+L+-*

E9.$)L$#+E'*+D&'+)9$MNNONNPQRNST$U$

Mi !"#i"$"%i &$'(&!&)*+*!, +"!&)"P9 #$K"Ja! d$. /F+$e$, . +bc`.,,$9Z <,<,M,1M,. IO$7"!& d$. /F+$e$, . +bc`.,,$9Z <,<,M,1M,.

6(G$<,[email protected],@ 2B*+9C$%D)&'$R-E&F'EG$!DH+)&EF0I PageQa'($<$")$? 2 of 3 % E5#3Z$S1$8; !R"35J$354!R<%"3!5

RE !R"E#$"! Ka !"#$%&!!a'($") @!RA$!R#ER ,,1,,@? R!=E2" _P&32&3'$4aJ(P RE !R"E# <,<,M,1M,<$.E^E.

%9BF0E+E$#-E:*+X'+)9 <-'().$R-LI "-:(9+[&- 6):B'+)9

+"!&)"P9 #$K"Ja!$&3$4aJ(P L/$=<<

5"+'6 7( %*+'-,*8 ,( +$' 9'+$": ;'f'-'(.' ,(:,.%+'* +$%+ +$' <7;= 2'+$": $%* >''( 2":,f,': f-"2 +$' -'f'-'(.' 2'+$":

JF)EEB*0$)L$"-*WE1 6Z $$ 6(T"PJ&3'$Z&9&J$[:()aH!J\ d Z( $J8a3$J8($ T(7&)&(:$6(T"PJ&3'$Z&9&J$[6Z\$M$J8($a7JHa!$6Z$9a5$U($8&'8(P$J8a3$J8($:()aH!J$6Z$:H($J"$GaP&"H $)a7J"P +bc`.,,$9Z +"!"35$b"P9&3'$c3&J $T(P$.,,$9&!!&!&JP( /F+ /aS&9H9$F77(TJaU!($+"37(3JPaJ&"3$[8(a!J8$Ua (:\ L/ LJa3:aP:$/(J8": $)"P$J8($ISa9&3aJ&"3$")$4aJ(P$a3:$4a J(BaJ(P#$F9(P&7a3$QHU!&7$A(a!J8$F "7&aJ&"3

J-9-*BF$2)WW-9'E1 K8($ P( H!J $ &3$ J8& $ P(T"PJ$ aTT!5$ J"$ J8($ a9T!( $ a3a!5X(:$ &3$ a77"P:a37($ B&J8$ J8($ +8a&3$ ")$ +H J":5$ :"7H9(3JO$ K8& $ a3a!5J&7a!$ P(T"PJ$ 9H J$ U($ P(TP":H7(:$ &3$ &J $ (3J&P(J5O$ +F6R$ & $ 3"J$ P( T"3 &U!($ )"P$ a35$ !" $ "P$ :a9a'($ P( H!J&3'$ :&P(7J!5$ "P$ &3:&P(7J!5$ )P"9$ (PP"P$ "P$ "9& &"3$ &3$ J8($ 7"3:H7J$ ")$ J( J&3'O$ Z&aU&!&J5$ & $ !&9&J(:$ J"$ J8($ 7" J$ ")$ a3a!5 & O$ $ La9T!( $ B&!!$ U($ :& T" (:$ ")$ ?,$ :a5 $ a)J(P$ J8($ J( J$ P(T"PJ$ 8a $ U((3$ & H(:$ H3!( $ "J8(PB& ($ a'P((:$ J"$ &3$ BP&J&3'O$ K8($ YHa!&J5$ 7"3JP"!$ [g+\$ :aJa$& $aGa&!aU!($HT"3$P(YH( J

6(G$<,[email protected],@ 2B*+9C$%D)&'$R-E&F'EG$!DH+)&EF0I PageQa'($?$")$? 3 of 3