YOUR MUTUAL MARINE KEY CONTACTS DIRECTORY

1 YOUR MUTUAL MARINE KEY CONTACTS DIRECTORY Our aim is to provide the very best MARINE insurance service AT COST. The following stand ready and willing to advise and assist you. PACIFIC COAST FISHERMEN'S MUTUAL MARINE INSURANCE COMPANY. 3757 Canada Way, Burnaby, BC V5G 1G5. Office Phone: (604) 438-4240 Toll free in BC: 1-888-438-4242. Fax: (604) 438-5756. Email: Website: OFFICE HOURS: 8:00 to 4:30 Monday to Friday EMERGENCY ASSISTANCE PHONE NUMBERS. (Outside of office hours only). KEITH CHAUVEL, Managing Surveyor .. Cel: (604) 329-3254. MARC MITTS, Surveyor .. Home: (604) 936-2336. MATT CREED, Surveyor .. Cel: (604) 992-9428.

2 LEE VARSEVELD, General Manager .. Cel: (604) 329-8771. FOR NON-EMERGENCY AFTER HOURS CONTACTS : Leave message on office voicemail system (604) 438-4240 or 1-888-438-4242. Fax: (604) 438-5756. Email to: IMPORTANT. We suggest that you carefully read the contents of the Handbook, wherein is set out the information you need to know regarding the benefits and duties of Members. CONTENTS Page History .. 3. The Company .. 4. This Shares Document is an abbreviated version of the .. 4. MUTUAL MARINE 's 2018 Member's Handbook and is Directors .. 5. for information Districts for Election of purposes only. Directors .. 6. PolicyInDirective the event of any disagreement between this.

3 7. Bursaries and Scholarships document and the .. printed document that is 8. Rules and Regulations .. 8. distributed the membership, the printed document Notices .. 8. shall prevail. Vessel's Commercial Fishing License Status .. 8. Coverages (summarized) .. 9-10. Trading Limits .. 10-11. regular limits .. 10. diagram of regular limits .. 11. Extension of Offshore Limit for Offshore Fisheries .. 12-13. Vessel Modifications & Seaworthiness (Reporting Changes) .. 14. Skipper Approvals .. 15. Rates & Refunds .. 16. Protection & Indemnity Coverage (detailed) .. 17-18. Hull & Machinery Coverage (details & conditions) .. 19-26.

4 Policy deductible .. 19. processing fees .. 19. policy renewals & premium payments .. 20. cancellations .. 21. coverage of equipment .. 22. vessel survey .. 23. vessel use (other than commercial fishing) .. 23. commercial fishing license status .. 24. limitations and exclusions of coverage .. 24-25. recommended minimum propeller shaft size .. 26. General Vessel Requirements .. 27-32. Herring & Sardine Fisheries .. 32-33. 1. CONTENTS Page Claims Information .. 34-38. claim reporting .. 34. damage repairs .. 34. underwater damage .. 35. towing .. 35. 36/ 73/ 74. theft .. 36. machinery .. 37. anchor & electronics .. 37-38.

5 MARINE Weather Forecast information .. 39. Advisory Notice (vessels using Inside Passage) .. 40. Vessel Traffic VHF channels .. 41. RCMP West Coast MARINE Services contact information .. 41. By-Laws .. 42-62. Supplier DIRECTORY .. 63-69. Fisheries & Oceans and related Telephone Listings .. 70-71. Land Based RCMP & Police Detachment contact information .. 72. Collision Particulars (in the event of collision).. 73-74. Membership Listing .. 75-86. Tide & Current Tables .. 87-163. Active Pass (Currents) .. 88-91. Alert Bay (Tides) .. 92-95. Bella Bella (Tides) .. 96-99. Campbell River (Tides) .. 100-103. Columbia River (Tides).

6 104-107. Dodd Narrows (Currents) .. 108-111. Johnstone Strait Central (Currents) .. 112-115. Juan De Fuca Entrance (Currents) .. 116-119. Owen Bay (Tides) .. 120-123. Point Atkinson (Tides) .. 124-127. Porlier Pass (Currents) .. 128-131. Port Alberni (Tides) .. 132-135. Prince Rupert (Tides) .. 136-139. Race Passage (Currents) .. 140-143. Sechelt Rapids (Currents) .. 144-147. Seymour Narrows (Currents) .. 148-151. Tofino (Tides) .. 152-155. Victoria (Tides) .. 156-159. Yuculta Rapids (Currents) .. 160-163. 2. History When charges for hull insurance ranged from 9% to 12% or more, there be- came a need for affordable insurance that was within reach of the average fish- erman.

7 The Fishermen's Co-op Federation petitioned the Government of British Colum- bia for permission to form a MARINE insurance company. Though this was met with much opposition, the company was incorporated on March 28, 1945 by the passing of a Special Act of the Legislature, known as the Pacific Coast Fishermen's MUTUAL MARINE Insurance Company Act, 1945. MUTUAL MARINE , (as it is commonly referred to today) had 20 vessel owners join the company in its first year of operation and insurance in force totalled $250,000. Initially, as a precautionary measure the company insured no more than three-quarters of a vessel's value and the other one-quarter was effectively co-insured at the vessel owner's own risk.

8 It was not until 1951, after overcom- ing the fear of vessel losses, that the company began insuring vessels up to 100% of value. The concept of fishermen insuring each other surpassed every expectation. There was no other reference to follow, and members looked to each other for guidance and support. The years since conception have been a learning and fine-tuning process for the company, always with the aim of providing its members with excellent pro- tection at the least possible cost. The MUTUAL 's diligent loss prevention work and stringent risk selection provide members the reassurance that they are among the safest and most conscientious commercial fishermen on the BC coast.

9 The benefits of joining MUTUAL MARINE go well beyond the excellent service and value provided through insurance products. Included is the unique opportunity to have input in the operation of the company. When you join MUTUAL MARINE , you have a real a present say in the company's governance one member one vote. In today's corporate world, this ability to make a difference is often lost to powers beyond our local influence. We are truly created and operated by fishermen, for fishermen and you, as BC. Commercial Fishermen will always be or core reason to be. Our aim is to provide you the very best MARINE insurance AT COST.

10 3. The Company The company is supervised by a Board of Directors, all of whom are vessel owner members. The business of the company is thus transacted with a full understanding of fishermen's needs and problems. The members control the company through their elected Board - composed of 21 directors, representing all of the coastal areas of British Columbia. Directors serve for three years with one-third of the Board elected each year. Nominations take place at district meetings so every member has an opportunity to take part. Members may only nominate directors in the district they reside in and elections are held at the Annual General Meeting.