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09 - April 22, 2025 County Council Agenda PackageM"� Elgin County Council Regular Council Meeting Orders of the Day Tuesday, April 22, 2025, 9:00 a.m. Council Chambers 450 Sunset Drive St. Thomas ON Note for Members of the Public: Please click the link below to watch the Meeting: https://www.facebook.com/ElginCounty Accessible formats available upon request. Pages 1. Meeting Call to Order 2. Approval of Agenda 3. Introductions, Recognitions, Memorials 4. Adoption of Minutes 3 5. Disclosure of Pecuniary Interest and the General Nature Thereof 6. Presenting Petitions, Presentations and Delegations 7. Motion to Adopt Recommendations from the Committee of the Whole 7 8. Committee Recommendations 9. Reports for Information and Immediate Consideration 9.1 Warden Jones - Warden's Activity Report (March 2025) 11 9.2 Tree Commissioner/Weed Inspector - Tree Commissioner/Weed 13 Inspector Quarterly Report July — September 2024 and Quarterly Report October — December 2024 9.3 Tree Commissioner/Weed Inspector - Tree Commissioner/Weed 15 Inspector Year End Report 2024 9.4 Manager of Economic Development, Tourism & Strategic Initiatives - 18 Website Modernization Project — Elgin Tourism Website Launch 10. Council Correspondence 10.1 2025 Elgin County Warden's Golf Tournament Poster 21 10.2 Email Newsletter from St. Thomas Local Immigration Partnership 22 (STELIP) for April 2025 10.3 Resolution from the Prince Edward -Lennox and Addington Social 31 Services Committee re: Ontario Works Financial Assistance Rates 10.4 Resolution from the Township of Central Frontenac re: US Tariff 33 Response 10.5 Email from Howick Township to Premier and Ministers re: Installation of 34 New Utility Poles through the Accelerated High Speed Internet Project 10.6 Letter from Mayor of the Town of Saugeen Shores to Honourable Rob 44 Flack re: Opposition to O. Reg. 530/22 to Expand Strong Mayor Powers 11. Statements/Inquiries by Members 12. Closed Meeting Items 12.1 Closed Meeting Minutes - April 8, 2025 12.2 Director of Human Resources - Labour Relations Update - ONA Interest Arbitration Award Municipal Act Section 239 (2) (d) labour relations or employee negotiations. 13. Motion to Rise and Report 14. Consideration of By -Laws 14.1 By -Law No. 25-18 Debenture 46 14.2 By -Law No. 25-19 Confirmation 74 15. Adjournment Page 2 of 74 Elgin County Council Regular Council Meeting Minutes April 8, 2025, 9:00 a.m. Council Chambers 450 Sunset Drive St. Thomas ON Members Present: Warden Grant Jones Deputy Warden Ed Ketchabaw Councillor Dominique Giguere Councillor Mark Widner Councillor Jack Couckuyt Councillor Andrew Sloan (virtual) Councillor Todd Noble Councillor Mike Hentz (virtual) Councillor Richard Leatham Staff Present: Blaine Parkin, Chief Administrative Officer/Clerk Nicholas Loeb, Director of Legal Services Michele Harris, Director of Homes and Seniors Services (virtual) Brian Masschaele, Director of Community & Cultural Services Jennifer Ford, Director of Financial Services/Treasurer Peter Dutchak, Director of Engineering Services Mat Vaughan, Director of Planning and Development Holly Hurley, Director of People & Culture Andrea Loughlean, Manager of Emergency Management & Elgin -Middlesex Regional Fire School (virtual) Emily Waldick, Manager of Human Resources Katherine Thompson, Manager of Administrative Services/Deputy Clerk Natalie Marlowe, Manager of Library Services Jenna Fentie, Legislative Services Coordinator Stefanie Heide, Legislative Services Coordinator Meeting Call to Order The meeting was called to order at 9:00 a.m. with Warden Jones in the chair. 2. Approval of Agenda Moved by: Councillor Noble Seconded by: Councillor Leatham RESOLVED THAT the agenda for the April 8, 2025 County Council Meeting be approved as presented. Motion Carried. 3. Introductions, Recognitions, Memorials None. 4. Adoption of Minutes Page 3 of 74 Moved by: Councillor Couckuyt Seconded by: Councillor Noble RESOLVED THAT the minutes of the March 25, 2025 Regular Meeting and Special Meeting be adopted. Motion Carried. 5. Disclosure of Pecuniary Interest and the General Nature Thereof None. 6. Presenting Petitions, Presentations and Delegations None. 7. Motion to Adopt Recommendations from the Committee of the Whole None. 8. Committee Recommendations None. 9. Reports for Information and Immediate Consideration 9.1 Manager of Library Services - Mobile Library Service Progress Report The Manager of Library Services provided an update and progress report on the Mobile Library Service for Elgin County Library that was launched in 2024. The report also provides a framework for next steps for the continuation of the program in 2025. Moved by: Councillor Widner Seconded by: Councillor Leatham RESOLVED THAT the report titled "Mobile Library Service Progress Report" from the Manager of Library Services dated April 8, 2025, be received and filed. Motion Carried. 10. Council Correspondence 10.1 Resolution from the Municipality of Central Elgin recommending the establishment of a garden plot and municipal garden planting pilot project in municipal parks. Moved by: Councillor Hentz Seconded by: Deputy Warden Ketchabaw RESOLVED THAT Correspondence Item 10.1 be received and filed. Motion Carried. 11. Statements/Inquiries by Members 11.1 Warden Jones - Support Local Campaign Warden Jones announced the launch of the Support Local Campaign that encourages people to shop, dine, and support businesses in Elgin County. He noted that, over the next few weeks, County Councillors will be visiting businesses across the county to showcase their incredible products and services. Warden Jones will be kicking off the campaign with a stop at Evelyn's Sausage Kitchen in Southwold this afternoon. 12. Closed Meeting Items Page 4 of 74 Moved by: Councillor Widner Seconded by: Councillor Giguere RESOLVED THAT we do now proceed into closed meeting session in accordance with the Municipal Act to discuss the following matters under Municipal Act Section 239 (2): Closed Meeting Item #1 - Closed Meeting Minutes - March 25, 2025 Closed Meeting Item #2 - Labour Relations Matter (d) labour relations or employee negotiations Motion Carried. 12.1 Closed Meeting Minutes - March 25, 2025 12.2 Director of People and Culture - Labour Relations Matter 13. Motion to Rise and Report Moved by: Councillor Hentz Seconded by: Councillor Sloan RESOLVED THAT we do now rise and report. Motion Carried. Closed Meeting Item #1 - Closed Meeting Minutes - March 25, 2025 Moved by: Deputy Warden Ketchabaw Seconded by: Councillor Leatham RESOLVED THAT the closed meeting minutes of the March 25, 2025 Regular Meeting and Special Meeting be adopted. Motion Carried. Closed Meeting Item #2 - Labour Relations Matter Moved by: Councillor Couckuyt Seconded by: Councillor Widner RESOLVED THAT County Council approve the confidential report titled "Labour Relations Matters - Seeking Approval of Renewal of Collective Agreement with Canadian Union of Public Employees (CUPE Local 841) and the recommendations contained therein; and THAT the necessary by-law be prepared. Motion Carried. 14. Consideration of By -Laws 14.1 By -Law No. 25-16 CUPE Library Collective Agreement BEING a By -Law to Authorize the Execution of a Collective Agreement between the Corporation of the County of Elgin and Canadian Union of Public Employees with respect to the Corporation's County Library Employees. Moved by: Councillor Leatham Seconded by: Councillor Giguere RESOLVED THAT By -Law No. 25-16 be now read a first, second and third time and finally passed. Page 5 of 74 Motion Carried. 14.2 By -Law No. 25-17 Confirmation BEING a By -Law to Confirm Proceedings of the Municipal Council of the Corporation of the County of Elgin at the April 8, 2025 Meeting. Moved by: Councillor Giguere Seconded by: Deputy Warden Ketchabaw RESOLVED THAT By -Law No. 25-17 be now read a first, second and third time and finally passed. Motion Carried. 15. Adjournment Moved by: Councillor Widner Seconded by: Councillor Leatham RESOLVED THAT we do now adjourn at 9:24 a.m. to meet again on April 22, 2025 at 9:00 a.m. Motion Carried. Blaine Parkin, Grant Jones, Chief Administrative Officer/Clerk. Warden. Page 6 of 74 Agenda Number: Resolution Number Title: Date: Moved by: Seconded by: Resolution Page Committee of the Whole Meeting 2. CW25-1 Approval of Agenda Tuesday, April 8, 2025 Councillor Noble Councillor Giguere D, ElginCounty RESOLVED THAT the agenda for the April 8, 2025 Committee of the Whole Meeting be approved as presented. Motion Carried. Page 7 of 74 Resolution Page Committee of the Whole Meeting Agenda Number: 6.1. Resolution Number CW25-2 Title: Director of Financial Services/Treasurer - Terrace Lodge Redevelopment — Debenture Timeline Date: Tuesday, April 8, 2025 Moved by: Deputy Warden Ketchabaw Seconded by: Councillor Leatham D, ElginCounty RESOLVED THAT the report entitled "Terrace Lodge Redevelopment — Debenture Timeline dated April 8, 2025 be approved by Council; and THAT the Warden, Chief Administrative Officer/Clerk, and Treasurer be approved to sign the necessary documents once received as per the outlined timelines of Infrastructure Ontario (10); and THAT a By -Law be brought forward for Council to approve at the next Council meeting in order to meet the requirements of the debenture. Motion Carried. Page 8of74 Resolution Page Committee of the Whole Meeting D, ElginCounty Agenda Number: 6.2. Resolution Number CW25-3 Title: Director of Engineering Services - Cold In -Place Asphalt Recycling (Tender No. 2025-T10) and Hot Mix Asphalt Paving (Tender No. 2025- T11) - Tender Awards Date: Tuesday, April 8, 2025 Moved by: Councillor Noble Seconded by: Councillor Couckuyt RESOLVED THAT Roto-Mill Inc. be selected to complete Cold In -Place Asphalt Recycling on various roads, Tender No. 2025-T10 at a total price of $2,079,245.30 inclusive of a $100,000 contingency allowance and exclusive of H.S.T.; and THAT Brantco Construction be selected to complete Hot Mix Asphalt Paving on various roads, Tender No. 2025-T11 at a total price of $7,795,770.10 (County Portion) inclusive of a $250,000 contingency allowance and exclusive of H.S.T.; and THAT the Warden and Chief Administrative Officer be directed and authorized to sign the contracts. Motion Carried. Page 9of74 Agenda Number: Resolution Number Title: Date: Moved by: Seconded by: Resolution Page Committee of the Whole Meeting 7. C W25-4 Adjournment Tuesday, April 8, 2025 Councillor Widner Councillor Sloan D, ElginCounty RESOLVED THAT we do now adjourn at 9:46 a.m. to meet again on April 22, 2025 at 9:30 a.m. Motion Carried. Page 10 of 74 ElginCounty Report to County Council From: Grant Jones, Warden Date: April 22, 2025 Subject: Warden's Activity Report (March 2025) Recommendation(s): THAT the report titled "Warden's Activity Report (March 2025)" from Warden Jones dated April 22, 2025 be received and filed. Introduction: The purpose of this report is to provide a high-level summary of the meetings and official functions I have attended during the month of March as Elgin County Warden. Background and Discussion: Events/Meetings Attended by Warden- 8 • Health Recruitment Partnership Committee (March 3) • Community Breakfast St. Thomas (March 6) • WOWC Meeting (March 7) • Health Recruitment Partnership Subcommittee Meeting (March 10) • Elgin County Council (March 11) • SWPH- GSC update meeting (March 14) • SWPH Governance Standing Committee (March 17) • Community Safety and Well-being Integration Table (March 18) • VON Meals on Wheels Elgin Manor (March 24) • meeting with Mayor Preston (March 25) • Elgin County Council (March 25) • Meeting with MPP Flack (March 28) • SWPH Board of Health (March 27) Financial Implications: None. Page 11 of 74 Advancement of the Strategic Plan: Local Municipal Partner Impact: Elgin County continues to work with and find ways to collaborate with Elgin's municipal partners. Communication Requirements: None. Conclusion: I am deeply honored to have been selected by my colleagues for the office of Warden. I eagerly anticipate representing the County and advocating for its interests at events and meetings throughout the year. All of which is Respectfully Submitted Grant Jones Warden Approved for Submission Blaine Parkin Chief Administrative Officer/Clerk Page 12 of 74 ElginCounty Report to County Council From: Jeff Lawrence, Tree Commissioner/Weed Inspector Date: April 22, 2025 Subject: Tree Commissioner/Weed Inspector Quarterly Report July — September 2024 and Quarterly Report October — December 2024 Recommendation(s): THAT the report titled "Tree Commissioner/Weed Inspector Quarterly Report July — September 2024 and Quarterly Report October — December 2024" from the Tree Commissioner/Weed Inspector dated April 22, 2025 be received and filed. Introduction: The following is a summary of activity related to the Elgin Woodlands Conservation By - Law for the period of July 1, 2024 to December 31, 2024 and weed inspection activity for the same period. Background and Discussion: Logging Activity/Applications to Harvest: A total of 15(15) applications to harvest were submitted from July 1, 2024 to September 30, 2024. Applications were filed by municipality as follows: West Elgin-1(0), Dutton/Dunwich-1(3), Southwold-1(0), Central Elgin-4(4), Malahide-1(3), and Bayham- 3(5). The total volume for harvest was approximately 0.373 million board feet(0.977). The total forested area involved in these harvests was approximately 262 acres(645). The numbers in brackets are corresponding third quarter numbers from 2023. A total of 27(15) applications to harvest were submitted from October 1, 2024 to December 31, 2024. Applications were filed by municipality as follows: West Elgin- 5(1), Dutton/Dunwich-5(0), Southwold-2(1), Central Elgin-3(3), Malahide-4(5), and Bayham-8(5). The total volume for harvest was approximately 0.753 million board feet(0.548). The total forested area involved in these harvests was approximately 527 acres(581). The numbers in brackets are corresponding fourth quarter numbers from 2023. Page 13 of 74 Weed Complaints and Orders: Four weed complaints were received in the third quarter of 2024. All of these weed complaints were addressed by the landowners. No Weed Destruction Orders were issued in the third quarter of 2024. No weed complaints were received in the fourth quarter of 2024. No Weed Destruction Orders were issued in the fourth quarter of 2024. Financial Implications: �m Advancement of the Strategic Plan: Local Municipal Partner Impact: None. Communication Requirements: None. Conclusion: The above report details the activities of the Tree Commissioner/Weed Inspector for the period of July — December 2024. All of which is Respectfully Submitted Jeff Lawrence Tree Commissioner/Weed Inspector Approved for Submission Blaine Parkin Chief Administrative Officer/Clerk Page 14 of 74 ElginCounty Report to County Council From: Jeff Lawrence, Tree Commissioner/Weed Inspector Date: April 22, 2025 Subject: Tree Commissioner/Weed Inspector Year End Report 2024 Recommendation(s): THAT the report titled "Tree Commissioner/Weed Inspector Year End Report 2024" from the Tree Commissioner/Weed Inspector dated April 22, 2025 be received and filed. Introduction: The following is a summary of activity related to the Elgin County Woodlands Conservation By-law and weed inspection for 2024. Background and Discussion: Logging Activity/Applications to Harvest: A total of 81(61) applications to harvest were submitted from January 1, 2024 to December 31, 2024. Applications were filed by municipality as follows: West Elgin 12(14), Dutton/Dunwich 8(3), Southwold 12(3), Central Elgin 13(10), Malahide 13(17), and Bayham 23(14). The total volume harvested was approximately 2.236 million board feet(2.298). The total forested area involved in these harvests was approximately 1885 acres(1829). Numbers in brackets are corresponding year end numbers for 2023. The following graph demonstrates the number of harvest applications received in each municipality each year since the Woodlands Conservation By-law was adopted in 2005. Page 15 of 74 ME a`r 200 150 �m 100 E wz Z 50 M II Il ry sty Applhications I y Muinlidjpalhity 2005 2024 II � IIIII �u1 IIIIIIIII IIIII�0111111 �I ,,,IIIII t J 1Ill 0L �IIIII �I III 20052006200I20082.009201020112012.2013201420152016201 I201320192.0202021202220232024 NAUnicipality by Year. uuuuuuuuuuuuuuuuuuuu We s t IElgin o000000000if(, I7 i.i �ktoi ID u nw i c hS o o t h wo l d uuuuuuuuuuuuuuuuuuuu C e n tra l IE...Ig i n 0000000000000i Malahide uuuuuuuuuuuuuuuuuuuui Bayharrn Elgin County Applications for Woodland Clearings: Two (2) applications were received to clear portions of woodlands within the county in 2024, for a total area to be cleared of approximately 0.615 hectares (-1.54 acres). One (1) application was approved in West Elgin for clearing approximately 0.435 hectare (-1.1 acres), conditional upon adherence to the Elgin County No -Net -Loss Policy. The second application was approved in Bayham for clearing approximately 0.18 hectare (-0.44 acre), conditional upon adherence to the Elgin County No -Net -Loss Policy. Weed Complaints and Orders: A total of 6 complaints were received over the 2024 season. This number is consistent with that received in 2023. No Weed Destruction Orders were issued in 2024. Meetings and Workshops: The annual Weed Inspectors Conference returned to an in -person session following several years of being held virtually. Page 16 of 74 Financial Implications: �m Advancement of the Strategic Plan: Local Municipal Partner Impact: �m Communication Requirements: �m Conclusion: The above report details the activities of the Tree Commissioner/Weed Inspector for the 2024 calendar year. All of which is Respectfully Submitted Jeff Lawrence Tree Commissioner/Weed Inspector Approved for Submission Blaine Parkin Chief Administrative Officer/Clerk Page 17 of 74 ElginCounty Report to County Council From: Carolyn Krahn, Manager of Economic Development, Tourism and Strategic Initiatives Date: April 22, 2025 Subject: Website Modernization Project — Elgin Tourism Website Launch Recommendation(s): THAT the report titled "Website Modernization Project — Elgin Tourism Website Launch" from the Manager of Economic Development, Tourism and Strategic Initiatives dated April 22, 2025 be received and filed. Introduction: g y' (.....�... ll.���'L i[::U..n:.�:.��.«.:: i,,.jl�°:���i�..U.:!N:.j�..��..�.��.r.e:�"� .) marks the final The launch of Elgin County's new tourism website step in the County's website modernization project. The Economic Development and Tourism team led the development, with support from the website taskforce. Backaround and Discussion: In September 2023, Council approved a full redevelopment of the County's websites. The new main site and library site were presented to Council on October 8, 2024. The tourism website was developed separately by the Economic Development and Tourism team, Sandbox Software Solutions, and County IT staff. The design was completed by adHOME. The new tourism site officially launched on March 27, 2025. Key highlights include: Platform upgrade: The tourism website has transitioned from Drupal 7.0 (which reached end -of -life in January 2025) to WordPress, the same platform used for the main County and library sites. This ensures improved security, usability, and ongoing support. • Fresh new look: The site features an updated visual design that better reflects Elgin County's rural identity —rounded fonts, a soft colour palette, and natural imagery that communicate a peaceful, welcoming place to explore. Page 18 of 74 Enhanced content: The site provides a stronger focus on local tourism businesses and events, using photos, searchable categories, and easy navigation to connect residents and visitors with what Elgin has to offer. Promoting digital resources: The home page features prominent links to the digital versions of Elgin County's annual Visitor Guide and Elgin County Taste Guide, making it easier for users to access and explore local experiences online. • New domain name: The site is now live at elgintourism.ca, replacing the previous elgintourist.com. Visitors to the old URL are redirected automatically. As part of the website redevelopment, economic development content was moved to the main County website. The Economic Development and Tourism team are improving this content to support existing businesses better and to promote Elgin County more effectively as a place to do business. This includes highlighting local businesses, the quality of life, available properties, and other advantages of investing in Elgin. We are working closely with the Corporate Communications & Engagement Coordinator to ensure the content is clear, engaging, and well presented. This work is ongoing and can be completed within the department's approved annual budget. Financial Implications: This project was supported by a $50,000 Rural Economic Development (RED) grant, and the development of the website was contained within the approved budget. Advancement of the Strategic Plan: The new tourism website advances the County's strategic plan by promoting tourism - related activities, local festivals, and events, while celebrating Elgin's rural heritage. Its design reflects the area's natural beauty and rural identity, highlighting local tourism operators and attractions. The economic development content also supports meaningful business engagement by providing resources for local businesses and promoting investment opportunities in Elgin County. Local Municipal Partner Impact: The new tourism site highlights attractions across the County, promoting all of our communities. It will be a valuable tool for attracting visitors and supporting local businesses in each municipality. Communication Requirements: To celebrate the launch, we are developing a promotional campaign that will include direct communication with local tourism operators and a local campaign targeting the St. Thomas and London area —ideal for day trips. We are exploring promotional options such as social media, radio ads, TV spots, and billboards. This campaign will be the focus of our marketing efforts for 2025. Page 19 of 74 Conclusion: While we are wrapping up our website modernization project, our websites will continue to evolve. We will continue to refine and update the content to keep it relevant and engaging. The next step will focus on promoting the site through a targeted campaign. At the same time, we will continue to update and improve the economic development content on the main County website to support local businesses better and promote Elgin as a top location for investment. This ongoing effort will help ensure Elgin County remains positioned as an attractive place to live, work, and play. All of which is Respectfully Submitted Carolyn Krahn Manager of Economic Development, Tourism and Strategic Initiatives Approved for Submission Blaine Parkin Chief Administrative Officer/Clerk Page 20 of 74 Outlook From: STELIP Newsletter <communications@stelip.ca> Sent: April 8, 2025 1:30 PIVI To: Katherine Thompson <kthompson@elgin.ca> Subject: STELIP Newsletter - April Uli ST. T H O M A S - E L G I N Local Immigration Partnership Building welcoming, caring, and inclusive communities. Page 22 of 74 1/10 S.I Ilr III 11P 11Ie .s iirrlr...Ilr grit :1Y9gr .... iir p Up, ,Ilr' &ii timer 11Ie s wld...11r grrtsl - Job Fair, Ignite Youth Centre Programs, Service Canada Updates, MCS Annual Banquet ...111...111: ;III....1lP Cookbook.. 0ther III °°°°1iii tflliiights - Celebrating Our Heritages in April, Serving Immigrants and Newcomer Clients Training S III Ilr III 11P Cotprmiiil I lii llliii llr . - Devin Munro (WILL Immploy) . Updgtes fiirorn 1111RQ S II U»»»II II II" II°r, , J, wd U vr,o-ti'ls Back in 2019, looking ahead to a new 5-year strategic plan, we set the aspirational target that, by 2025, 80% of newcomers to St. Thomas -Elgin would progress from settlement to integration within five years of arriving in St. Thomas and Elgin County. While it is hard to exactly measure this outcome, our community collectively worked towards this goal for the past five years. We strengthened workforce development and employer supports, community readiness, equitable supports, education, and civic and social inclusion to improve newcomers' settlement outcomes in our community. Our 2023. Page 23 of 74 2/10 �::4r py showed some encouraging results: 75% of respondents shared they had a positive settlement experience and expressed a strong sense of belonging, while 77% considered permanently staying in our community. Regardless of the uncertainty and change on the horizon, we know that immigrants are still critical for our community. Not only do they account for 80% of Canada's population growth and 100% of all labour force growth, but they also bring new and valuable ideas, perspectives, and ways of doing things. Immigrants are also our neighbours, friends, family, and colleagues; about one in every 10 St. Thomas -Elgin residents was born outside Canada. As we look towards creating a new strategic community plan for 2025-2028, we will continue to affirm that immigrants are a valued part of our community, and that it is worthwhile to work to better support immigrants in St. Thomas -Elgin. As a community collective, together we will rise to meet both the challenges and opportunities that the future holds. The 2025 St. Thomas -Elgin Job Fair will take place on April 23, 1-5pm, at the Joe Thornton Community Centre (75 Caso Crossing). Come out and connect with local employers. Free city transit will be available on the day. Registration required. IU pgiiisteiir k)r, tl' igli° l iiiiiP ilriennonite Banquet Mennonite Community Services (MCS)'s Annual Fundraising Banquet will take place on May 3, 2025, doors open at 5:30pm, dinner at 6:00pm. The theme is "Mennonite Melodies: A Musical Journey", with special musical performances and a presentation by John Wesley Dueck, editor of Die Mennonitische Post, on the significant role music has played in Mennonite culture. Tickets can be purchased online, by phone, Page 24 of 74 3/10 or in -person at MCS: $150 per plate or $1000 for a table. Clieck out III SW ebsfte for iu°noire lu�r°ffbriu°nafio Open House Ignite Youth Centre will be holding an open house to celebrate their 20th anniversary on May 10, 10am-3pm. Enjoy games, food, prizes, and more! Wellness Within Program Ignite Youth Centre will be offering a free 5-week wellness series, Wellness Within, for youth ages 12-19. This program will equip youth with tools to manage stress, build resilience, and foster a positive mindset in a fun, engaging, and supportive environment. !3pgJs"gr four.... 6l1r�e .lui"IIViiuiir� Student Work Placement Program An additional 40,000 work -integrated learning opportunities will be funded through the Student Work Placement Program. eairiir° iu°rr o re about i Il ie Si ude iir° i Work iirYrou ire iu°n Foreign Credential Recognition The federal government is investing $52 million through the Foreign Credential Recognition Program to improve foreign credential recognition and help skilled newcomers fill labour gaps in healthcare and construction sectors. eariir° iu°rr o re about iIli iirede�r°�i<l4� U': �ecoiir°0i<lu(:Xi IIC!!!)roarw°n Canadian Dental Care Plan Clients who have filed their 2024 tax return and who have previously applied for the Page 25 of 74 4/10 Canadian Dental Care Plan (CDCP) can stjt Nn1: gri .Ipfg�llicafiioiirm to...iir Nrm(l.... th(�fliiir Canadians aged 18-64 will be able to apply for the CDCP in May 2025. Eligible Canadians can apply online, by phone, or by visiting a Service Canada centre. Temporary Measures to the Employment Insurances Benefits Starting in April 2025, it will be easier to be eligible for Employment Insurance (EI) Regular benefits as the temporary measure will reduce the hours required to qualify and increase the weeks of entitlement. Additionally, changes to El for the work - sharing program have been implemented to extend the maximum length of agreements and expand employer and employee eligibility. For more information on these temporary measures, check out griada" IU prm „ to 1..1, , ..f irirliift oiirm C&ria(1i4rm Goods. II II II C a <0 II e; U 1 a <0 II onsale now for Sig ............. wr,�w Looking for some recipe inspiration? There are still copies of From There to Here: Our Family Cookbook available to purchase. Try out tasty recipes from around the world —brought to you by immigrants who have made St. Thomas - Elgin their home. Learn about their immigration stories and cultural heritages while trying new, delicious food! Page 26 of 74 5/10 0+1„Ill f r, Ii J IL l 11 ii J r-1 �] ea 41 09 -a i= April is Sikh Heritage Month. It also includes significant celebrations for many different religions, including the holidays of Vaisakhi, Passover, and Easter. IhegR .(Nit ���, r sg(,;.'ii4U ine(:Iia k1r, in(Ire iiir ftlr.inatii(Xn ab(Nit w:;h gAiKu r4u Iheriiitage.. Page 27 of 74 6/10 SERVII IIIIIIIIII ,4T A N umuol Vuuuuu Vuuuuu u ° uuuuu IIIIIIIIII Spotlight:STELIP Resource Serving Immigrant anio Newcomer Clients Training I • A free webinar and resource sheet to help service providers understand the role and services provided by settlement agencies. • Explores how settlement agencies help newcomers. • Explains why newcomers benefit from a referral to a settlement agency. • Resource sheet includes contact information for all local settlement agencies. hecII ..out the Ser'Vlllrmg god IU Je....cgrier, IUlllgrit Devin Munro WILL Immploy Page 28 of 74 7/10 Devin is the Senior Manager of Employer Services and Strategic Partnerships at WILL Employment Solutions - a nonprofit, charitable organization that supports newcomers seeking employment in Ontario and helps employers source the skilled workers they need. Devin oversees the activities of WILL Immploy, an employer -focused project of WILL Employment Solutions that provides recruitment services, mentorship programming and employer education/training services to successfully hire, onboard and retain immigrant talent. WILL Immploy is also an Immigrant Employment Council (IEC), serving all of Southwestern Ontario, that is part of a National Network of Immigrant Employment Councils (IECC) that assist employers in effectively integrating immigrant talent into the Canadian labour market. Devin also guides the activities of WILL Access - a project that helps immigrant job seekers continue their career in Canada in regulated professions. Devin has an extensive background in government relations, corporate communications, stakeholder relations and issues management. He has worked for several elected representatives at both the federal and provincial levels of government, served as a Senior Advisor to the Ontario Minister of Labour, and has worked on many projects, programs and services aimed at addressing challenges and inequities in employment, immigration, labour laws and workplace safety. Page 29 of 74 8/10 �- r%Jr.O.l:. (e 1- yJ �, f,o ra .f�/ iJ`(�"✓',.r �. f'(�i. (j i.P �.0 if JJ �� 1'' ,(�i. rf ��� �.0 r.D�Jr"��r Q1JIJ,r„t�.,,r���; Jo-,ti,�lr��o IIlr�ou�ou��u�.,,r�l��,�o-r„ II%,�J���, � �,� � ,.,,o-ra„t ,�I�r�l�rr�.�o-r�Il�rI�IJ„� ,��,.,,o-r,.,,a„t,� • mIU".he Gerrrnerit l��rr�da iiis iirives rrg � �rp t��r to gpI)orrtv • IMore IIIIIR �� � I1',Jew t Follow us on social media for more information about our work, our community partners, and our upcoming events. JII aeIboo / Jll 'istagiir@iij /.III,,,,,.iiiirrl,kedlN Use our #Culture Lives Here hashtag! We would love to share your experiences in and around St. Thomas and Elgin County. JJf;; r''�Aarc t 11„JJ% Funded by: Immigration, Refugees and Citizenship Canada Finance par: Immigration, Refugies et Citoyennete Canada St. Thomas -Elgin Local Immigration Partnership* All rights reserved. Made by Mailchimp Want to change how you receive these emails? You can y2qqtp.,yqqTpfqr.e.n.q.e.s or unsubscribe from ...is list Page 30 of 74 9/10 April 10, 2025 Re: Ontario Works Financial Assistance Rates Please be advised that the Prince Edward -Lennox and Addington Social Services Committee, at its meeting held on April 10, 2025, approved the following resolution: WHEREAS poverty is taking a devastating toll on communities, undermining a healthy and prosperous Ontario, with people in receipt of Ontario Works and Ontario Disability Support Program being disproportionately impacted; AND WHEREAS the cost of food, housing, medicine, and other essential items have outpaced the highest inflation rates seen in a generation; AND WHEREAS people in need of social assistance have been legislated into poverty, housing insecurity, hunger, poorer health, their motives questioned, and their dignity undermined; AND WHEREAS Ontario Works (OW) Financial Assistance rates have been frozen since 2018 ($733 per month); AND WHEREAS Ontario Disability Support Program (ODSP) benefit rates have been increased by 6.5 percent as of July 2023 and another 4.5% as of July 2024 to keep up with inflation, however even with the increase, ODSP rates still fall significantly below the disability -adjusted poverty line ($3,091 per month); AND WHEREAS OW and ODSP rates do not provide sufficient income for a basic standard of living and, as a result, hundreds of thousands of people across Ontario who rely on these programs live in poverty; AND WHEREAS designated Service Managers are doing their part, but do not have the resources, capacity, or tools to provide the necessary income and health related supports to people experiencing poverty; and AND WHEREAS leadership and urgent action is needed from the Provincial Government to immediately develop, resource, and implement a comprehensive plan to address the rising levels of poverty in Ontario, in particular for those on Ontario Works and Ontario Disability Support Programs; • - r • •WOOD M_ NOW THEREFORE BE IT RESOLVED THAT Prince Edward -Lennox & Addington Committee requests the Provincial Government to urgently: 1. Increase Ontario Works rates to match the ODSP rate increases that have already been made and be indexed to inflation; 2. Commit to ongoing cost of living increases above and beyond the rate of inflation to make up for the years they were frozen; AND FURTHER THAT a copy of this resolution be sent to the Minister of Children, Community, and Social Services, the Minister of Health, the Minister of Municipal Affairs and Housing, the Association of Municipalities of Ontario, the Ontario Municipal Social Services Association, and all Ontario Municipalities. Regards, Sam Branderhorst Signed with ConsignO Cloud (2025/04/11) I IIaII II VI I II III veufy with verifio.com or Adobe Reader. Sam Branderhorst, Chair Prince Edward -Lennox and Addington Social Services Committee Cc: Minister of Children, Community, and Social Services Minister of Health Minister of Municipal Affairs and Housing Association of Municipalities of Ontario Ontario Municipal Social Services Association All Ontario Municipalities We engage and support people who require our services and help there find their own workable solutions. Page 32 of 74 -0 Township of Central Frontenac 1084 Elizabeth Street, P.O. Box 89, Sharbot Lake, ON KOH 2PO Tel: 613-279-2935 or 1-800-300-6851, Fax: 613-279-2422 www.centralfrontenac.com Office of the Clerk At its regular meeting of Council held April 8, 2025, the Corporation of the Township of Central Frontenac passed the following motion. Whereas United States President Donald Trump, continues to threaten executive orders to impose tariffs on imports from Canada; And whereas these tariffs will have a significant detrimental impact on the economic stability in both countries; And whereas our Prime Minister and Premier are encouraging Canadians to choose Canada and to choose products made in Canada; And whereas municipalities have significant purchasing power through capital and infrastructure programs; And whereas we must stand united and strong to meet this moment and protect our communities. And whereas municipalities can assist in the effort to combat tariffs and support businesses in the procurement for capital and infrastructure programs; Now therefore be it resolved that the Township of Central Frontenac only purchase products made in Canada whenever practicable, and when not in violation of trade agreements and legislation, in all of its purchasing decisions, including increasing current invitational and open market thresholds in the Procurement By-law to enable targeted purchases from Canadian Suppliers; And further that this resolution be forwarded to the Prime Minister Mark Carney, Premier Doug Ford, MPP John Jordan, MP Scott Reid, the Association of Municipalities of Ontario, the Federation of Canadian Municipalities and all Ontario municipalities. Dated at Sharbot Lake, Ontario This 17 th day of December 2024. Page 3-1 nf 7L f Id A r iA ji A Cathy Mac�lunn",'-CAO�,-Ierk Howick TOWNSHIP April 11, 2025 The Honourable Kinga Surma Minister of Infrastructure Room 5E200, 5th Floor 777 Bay Street Toronto, ON M7A 2J3 Email: kinga.surma .pc.ola.orq 44816 HARRISTON ROAD, RR 1, GORRIE, ON NOG 1X0 TEL. 519-335-3208 EXT 2 www.howick.ca The Honourable Lisa M. Thompson Minister of Rural Affairs, Huron -Bruce MPP 408 Queen Street P.O. Box 426 Blyth, ON NOM 1 HO Email- Iisa.thompson apc.ola.orq IM12 M1.0 • 7Ca,06179FM.51 Minister of Municipal Affairs and Housing 17th Floor 777 Bay Street Toronto, ON M7A 2J3 Email: rob.flack .pc.ola.orq The Honourable Doug Ford Premier of Ontario Legislative Building Queen's Park Toronto, ON M7A 1A1 Email: premier ontario.ca Sent Via Email Dear Hon. Premier and Ministers: Re. Installation of New Utility Poles in Howick Township through the Accelerated High Speed Internet Project (AHSIP) It is with great concern that we provide a connectivity update from the perspective of the Township of Howick. The Township applauds the provincial government for its $4 billion investment to provide high-speed internet access in every region of Ontario and is appreciative of the Ministry of Infrastructure's leadership with the Accelerated High Speed Internet Program (AHSIP). Page 34 of 74 Improved connectivity to Ontario's unserved and underserved areas creates immense economic development opportunities and begins to address some of the challenges experienced by rural and remote communities. These communities continue to experience profound inequities in the areas of education, business and interpersonal relationships due to the lack of adequate communications infrastructure. The buildout of new broadband infrastructure starts the work towards resolving this inequity. The Township of Howick is a small, rural municipality with a rich and proud history in agriculture. Through AHSIP, Xplore Inc. has obtained $1.6 billion of private investment and government funding for fibre network expansion in several underserved, rural Ontario communities, including Howick Township. While Howick Township is supportive of all rural residents receiving access to reliable high-speed internet, there are ongoing concerns from Council and residents over the installation of dozens of new utility poles within the municipal right-of-way across Howick's countryside instead of utilizing Hydro One's existing utility poles or underground direct bury or drilling methods. In response to our inquiries, representatives from Xplore Inc. have explained to township council and staff that these new utility poles have been installed by their subcontractor because of "significant delays in Hydro One's permitting process to add broadband infrastructure to their existing utility poles and because it is the most cost-effective installation method." The Ministry of Infrastructure outlines very thorough processes, procedures and timelines for Attaching to LDC-Owned Poles in the Building Broadband Faster in Ontario guidelines released November 30, 2021. Section 2.2 of the guideline outlines the Broadband One Window (BOW) authorization process for LDC owned pole attachments, including the engineering design requirements as well as the applicable standards to which stakeholders are expected to adhere to. This process includes field inspection/survey of the poles, pole loading structural analysis and determination of what telecom and power make-ready work, if any, needs to be completed for safe attachment. Nowhere in the guidelines does the Ministry of Infrastructure outline a process for installing new utility poles instead of attaching to existing LDC owned poles. This leave us in Howick Township with several questions: What guidelines are being followed if this ISP is completely bypassing the LDC in favor of erecting new utility poles? Is the Ministry of Infrastructure responsible for making sure these guidelines and processes are being followed? If Xplore Inc. has admitted to avoiding the permitting process of using the LDC's (Hydro One) existing utility poles, who owns these new utility poles that have been installed? Who is responsible for their maintenance and eventual replacement? Who is going to maintain the brush and shrubbery that surround many of these new poles in the municipal right-of-way? It is Howick Township's opinion that the AHSIP program lacks oversight and compliance measures over the work being completed by the Internet Service Providers and their sub- contractors. Along with this, the Building Broadband Faster Act, 2021, S.O. 2021, c.2, Cc: (via email) Association of Municipalities of Ontario All Ontario municipalities Page 35 of 74 Huron County Federation of Agriculture g Sched. 1 has stripped Howick Township's right to question the installation of dozens of new utility poles without incurring financial penalties for causing delays to the project. We have included photos (see Appendix ) of the substandard installation of new utility poles across Howick Township under AHSIP that occurred throughout this past winter. As you can see, many poles were installed incorrectly, quickly and during all weather conditions. This required the sub -contractors to return several times to fix deficiencies. This doesn't seem like the most cost-effective installation method. Other photos show examples of the number of new poles installed in areas of Howick Township. With our primarily agriculture -based background and economy, many Howick Township landowners are quite upset with the amount of new utility poles that have been installed. Farm equipment continues to get larger in size as farming techniques modernize, and these new 30ft utility poles limit access to fields with overhead infrastructure installed along the municipal right-of-way. Through our research into this matter, we have not found examples of so many new utility poles being installed elsewhere across the province to facilitate the installation of fibre optic high-speed internet infrastructure. New pole installations are only referenced in the program guidelines regarding LDC-owned poles requiring replacement prior to installing the broadband infrastructure. Can you explain why so many new utility poles are being installed in Howick Township directly by the ISP instead of utilizing existing utility poles owned by Hydro One as outlined in your program guidelines? Municipalities were not informed that dozens of new utility poles would be installed through AHSIP. Howick Township is requesting to have these new utility poles removed in favour of utilizing existing LDC owned poles or direct bury or plowing methods of installation. We encourage any other Ontario municipalities who are experiencing similar new utility pole installations through the Accelerated High Speed Internet Program to reach out to Howick Township directly, and to join Howick Township by reaching out to the above listed ministries with your concerns. Thank you for your consideration on this matter. Please do not hesitate to contact us if you have any questions. Yours sincerely, Caitlin Gillis Chief Administrative Officer Township of Howick clerk howick.ca Doug Harding Reeve Township of Howick dhard inq .howick.ca Cc: (via email) Association of Municipalities of Ontario All Ontario municipalities Page 36 of 74 Huron County Federation of Agriculture g Appendix A - New Utility Poles in Howick Township Page 37 of 74 Page 38 of 74 Page 39 of 74 Page 40 of 74 Page 41 of 74 Page 42 of 74 Page 43 of 74 �ii�ovif :. iprr I� l� fJ� ,oi � �'Gi �iaiaii �„ J,r!.,.,/ 1Gf , !iiro ,,,,,,00" April 14, 2025 Honourable Rob Flack Ministry of Municipal Affairs and Housing 17th Floor, 777 Bay St. Toronto, ON M7A 2J3 ro .l c c.ol .or_ Dear Minister, rown of Saugeen Shores ... sir°nhhsan Drlive, I.. III; Pain ON II IV I 2C10 RE: Opposition to Proposed Amendments to O.Reg. 530/22 to Expand Strong Mayor Powers I am writing to express my opposition to the government's proposed expansion of Strong Mayor powers to include the Town of Saugeen Shores. As the Mayor of Saugeen Shores, I am concerned about the implications of this policy change on our local governance. Please consider this letter as the Town of Saugeen Shores submission on O.Reg. 530/22 which is available for comment until April 16tn In my experience, the `Council Manager' system of governance has always served our municipality well. Specifically, when it comes to advancing our shared priority of building more housing to serve our residents, Saugeen Shores Council has demonstrated flexible and determined leadership. Our Council has enabled housing by reducing red tape resulting in the construction of more than 600 multi -family residential units in the last two years alone. Given the strong and sustained commitment of our Council to these efforts, I do not see how the introduction of Strong Mayor powers will accelerate the construction of housing (or the pursuit of other priority areas) in any way. On the contrary, vesting these new powers in the Mayor threatens to disrupt long-established and effective processes, sidelining elected members of Council with effects that may be contrary to the interests of our residents. Saugeen Shores has thrived for decades on the principle of shared leadership. We have an effective team of elected representatives working in partnership with a professional staff to achieve goals that are transparently set out in our Strategic Plan and annual Business Plans. This approach to governance is foundational to building trust between the municipality and the residents that it serves. I fear that the unilateral decision -making enabled by Strong Mayor powers would erode this trust and disrupt the collaborative environment that has long been at the heart of the democratic tradition of our Council and community. I urge you to reconsider the expansion of Strong Mayor powers. If the government has a strong desire to advance these major changes to the governance of our municipality, I request that you engage in a thorough consultation process with our Council and the residents of our community before moving forward. It is crucial that any changes to local governance structures be made in close partnership with the communities they impact. Thank you for your attention to this matter. I look forward to your response and hope that we can work together in the interest of ensuring strong local governance in Saugeen Shores. Sincerely, Luke Charbonneau, Mayor Town of Saugeen Shores cc. Doug Ford, Premier of Ontario Lisa Thompson, MPP, Minister of Rural Affairs Council, Town of Saugeen Shores All Ontario Municipalities Page 45 of 74 Document # 10A.i.(DB) DEBENTURE BY-LAW — AMORTIZER — SEMI ANNUAL Single-tier/County/Region's purposes THE CORPORATION OF THE COUNTY OF ELGIN BY-LAW NUMBER 25-18 A BY-LAW OF THE CORPORATION OF THE COUNTY OF ELGIN TO AUTHORIZE THE BORROWING UPON AMORTIZING DEBENTURES IN THE PRINCIPAL AMOUNT OF $6,000,000.00 TOWARDS THE COST OF THE TERRACE LODGE REBUILD. WHEREAS subsection 401 (1) of the Municipal Act, 2001, as amended (the "Act") provides that a municipality may incur a debt for municipal purposes, whether by borrowing money or in any other way, and may issue debentures and prescribed financial instruments and enter prescribed financial agreements for or in relation to the debt; AND WHEREAS subsection 408 (2.1) of the Act provides that a municipality may issue a debenture or other financial instrument for long-term borrowing only to provide financing for a capital work; AND WHEREAS the Council of The Corporation of The County of Elgin (the "Municipality") has passed the By-law(s) enumerated in column (1) of Schedule "A" attached hereto and forming part of this By-law authorizing the capital work(s) described in column (2) of Schedule "A" (the "Capital Work(s)"), and authorizing the entering into of a Financing Agreement dated as of November 25, 2022 for the provision of temporary and long-term borrowing from Ontario Infrastructure and Lands Corporation ("OILC") in respect of the Capital Work(s) (the "Financing Agreement"); AND WHEREAS the Municipality has entered into the Financing Agreement for the provision of temporary and long-term borrowing from OILC in respect of the Capital Work(s) and desires to issue debentures for the Capital Work(s) in the amount(s) specified in column (5) of Schedule "A"; AND WHEREAS before authorizing the Capital Work(s) and before authorizing any additional cost amount and any additional debenture authority in respect thereof (if any) the Council of the Municipality had its Treasurer calculate an updated limit in respect of its most recent annual debt and financial obligation limit received from the Ministry of Municipal Affairs and Housing in accordance with the applicable regulation and, prior to the Council of the Municipality authorizing the Capital Work(s), each such additional cost amount and each such additional debenture authority (if any), the Treasurer determined that the estimated annual amount payable in respect of the Capital Work(s), each such additional cost amount and each such additional debenture authority (if any), would not cause the Municipality to exceed the updated limit and that the approval of the Capital Work(s), each such additional cost amount and each such additional debenture authority (if any), by the Ontario Land Tribunal pursuant to such regulation was not required; AND WHEREAS the Municipality has submitted an application to OILC for long- term borrowing through the issue of debentures to OILC in respect of the Capital Work(s) (the "Application") and the Application has been approved; Page 46 of 74 AND WHEREAS to provide long-term financing for the Capital Work(s) and to repay certain temporary advances in respect of the Capital Work(s) made by OILC pursuant to the Financing Agreement (if any), it is now deemed to be expedient to borrow money by the issue of amortizing debentures in the principal amount of $6,000,000.00 dated May 01, 2025 and maturing on May 01, 2035, and payable in semi-annual instalments of combined principal and interest on the first day of November and on the first day of May in each of the years 2025 to 2035 commencing November 1, 2025, both inclusive on the terms hereinafter set forth; NOW THEREFORE THE COUNCIL OF The Corporation of The County of Elgin ENACTS AS FOLLOWS- 1. The submitting of the Application and the execution and delivery of the Financing Agreement by the Municipality are hereby confirmed, ratified and approved. For the Capital Work(s), the borrowing upon the credit of the Municipality at large of the principal amount of $6,000,000.00 and the issue of amortizing debentures therefor to be repaid in semi-annual instalments of combined principal and interest as hereinafter set forth, are hereby authorized. 2. The Warden and the Treasurer of the Municipality are hereby authorized to cause any number of amortizing debentures to be issued for such amounts of money as may be required for the Capital Work(s) in definitive form, not exceeding in total the said aggregate principal amount of $6,000,000.00 (the "Debentures"). The Debentures shall bear the Municipality's municipal seal and the signatures of the Warden and the Treasurer of the Municipality, all in accordance with the provisions of the Act. The municipal seal of the Municipality and the signatures referred to in this section may be printed, lithographed, engraved or otherwise mechanically reproduced. The Debentures are sufficiently signed if they bear the required signatures and each person signing has the authority to do so on the date he or she signs. 3. The Debentures shall be in fully registered form as one or more certificates in the principal amount of $6,000,000.00, in the name of OILC, or as OILC may otherwise direct, substantially in the form attached as Schedule "B" hereto and forming part of this By-law with provision for payment of principal and interest (other than in respect of the final payment of principal and outstanding interest on maturity upon presentation and surrender) by pre -authorized debit in respect of such principal and interest to the credit of such registered holder on such terms as to which the registered holder and the Municipality may agree. 4. In accordance with the provisions of section 25 of the Ontario Infrastructure and Lands Corporation Act, 2011, as amended from time to time hereafter, the Municipality is hereby authorized to agree in writing with OILC that the Minister of Finance is entitled, without notice to the Municipality, to deduct from money appropriated by the Legislative Assembly of Ontario for payment to the Municipality, amounts not exceeding any amounts that the Municipality fails to pay OILC on account of any unpaid indebtedness of the Municipality to OILC under the Debentures and to pay such amounts to OILC from the Consolidated Revenue Fund. Page 47 of 74 2 of 28 5. The Debentures shall all be dated May 01, 2025, and as to both principal and interest shall be expressed and be payable in lawful money of Canada. The Debentures shall bear interest at the rate of 4.01% per annum and mature during a period of 10 years from the date thereof payable semi-annually in arrears as described in this section. The Debentures shall be paid in full by May 01, 2035 and be payable in equal semi-annual instalments of combined principal and interest on the first day of November and on the first day of May in each of the years 2025 to 2035, commencing November 1, 2025, both inclusive, save and except for the last instalment which may vary slightly from the preceding equal instalments, as set forth in Schedule "C" attached hereto and forming part of this By-law ("Schedule "C"). 6. Payments in respect of principal of and interest on the Debentures shall be made only on a day, other than Saturday or Sunday, on which banking institutions in Toronto, Ontario, Canada and the Municipality are not authorized or obligated by law or executive order to be closed (a "Business Day") and if any date for payment is not a Business Day, payment shall be made on the next following Business Day. 7. Interest shall be payable to the date of maturity of the Debentures and on default shall be payable on any overdue amounts both before and after default and judgment at a rate per annum equal to the greater of the rate specified on the Schedule as attached to and forming part of the Debentures for such amounts plus 200 basis points or Prime Rate (as defined below) plus 200 basis points, calculated on a daily basis from the date such amounts become overdue for so long as such amounts remain overdue and the Municipality shall pay to the registered holders any and all costs incurred by the registered holders as a result of the overdue payment. Any amounts payable by the Municipality as interest on overdue principal or interest and all costs incurred by the registered holders as a result of the overdue payment in respect of the Debentures shall be paid out of current revenue. Whenever it is necessary to compute any amount of interest in respect of the Debentures for a period of less than one full year, other than with respect to regular semi-annual interest payments, such interest shall be calculated on the basis of the actual number of days in the period and a year of 365 days or 366 days as appropriate. "Prime Rate" means, on any day, the annual rate of interest which is the arithmetic mean of the prime rates announced from time to time by the following five major Canadian Schedule I banks, as of the issue date of the Debentures: Royal Bank of Canada; Canadian Imperial Bank of Commerce; The Bank of Nova Scotia; Bank of Montreal; and The Toronto -Dominion Bank (the "Reference Banks") as their reference rates in effect on such day for Canadian dollar commercial loans made in Canada. If fewer than five of the Reference Banks quote a prime rate on such days, the "Prime Rate" shall be the arithmetic mean of the rates quoted by those Reference Banks. 8. In each year in which a payment of equal semi-annual instalments of combined principal and interest becomes due in respect of the Capital Work(s) including the last `non -equal' instalment, there shall be raised as part of the Municipality's general levy the amounts of principal and interest payable by the Municipality in each year as set out in Schedule "C" to the extent that the amounts have not been provided for Page 48 of 74 3 of 28 by any other available source including other taxes or fees or charges imposed on persons or property by a by-law of any municipality. 9. The Debentures may contain any provision for their registration thereof authorized by any statute relating to municipal debentures in force at the time of the issue thereof. 10. The Municipality shall maintain a registry in respect of the Debentures in which shall be recorded the names and the addresses of the registered holders and particulars of the Debentures held by them respectively and in which particulars of the cancellations, exchanges, substitutions and transfers of Debentures, may be recorded and the Municipality is authorized to use electronic, magnetic or other media for records of or related to the Debentures or for copies of them. 11. The Municipality shall not be bound to see to the execution of any trust affecting the ownership of any Debenture or be affected by notice of any equity that may be subsisting in respect thereof. The Municipality shall deem and treat registered holders of the Debentures as the absolute owners thereof for all purposes whatsoever notwithstanding any notice to the contrary and all payments to or to the order of registered holders shall be valid and effectual to discharge the liability of the Municipality on the Debentures to the extent of the amount or amounts so paid. When a Debenture is registered in more than one name, the principal of and interest from time to time payable on such Debenture shall be paid to or to the order of all the joint registered holders thereof, failing written instructions to the contrary from all such joint registered holders, and such payment shall constitute a valid discharge to the Municipality. In the case of the death of one or more joint registered holders, despite the foregoing provisions of this section, the principal of and interest on any Debentures registered in their names may be paid to the survivor or survivors of such holders and such payment shall constitute a valid discharge to the Municipality. 12. The Debentures will be transferable or exchangeable at the office of the Treasurer of the Municipality upon presentation for such purpose accompanied by an instrument of transfer or exchange in a form approved by the Municipality and which form is in accordance with the prevailing Canadian transfer legislation and practices, executed by the registered holder thereof or such holder's duly authorized attorney or legal personal representative, whereupon and upon registration of such transfer or exchange and cancellation of the Debenture or Debentures presented, the Warden and the Treasurer shall issue and deliver a new Debenture or Debentures of an equal aggregate principal amount in any authorized denomination or denominations as directed by the transferor, in the case of a transfer or as directed by the registered holder in the case of an exchange. 13. The Warden and the Treasurer shall issue and deliver new Debentures in exchange or substitution for Debentures outstanding on the registry with the same maturity and of like form which have become mutilated, defaced, lost, subject to a mysterious or unexplainable disappearance, stolen or destroyed, provided that the applicant therefor shall have: (a) paid such costs as may have been incurred in connection therewith; (b) (in the case when a Debenture is mutilated, defaced, lost, Page 49 of 74 4 of 28 mysteriously or unexplainably missing, stolen or destroyed) furnished the Municipality with such evidence (including evidence as to the certificate number of the Debenture in question) and an indemnity in respect thereof satisfactory to the Municipality in its discretion; and (c) surrendered to the Municipality any mutilated or defaced Debentures in respect of which new Debentures are to be issued in substitution. 14. The Debentures issued upon any registration of transfer or exchange or in substitution for any Debentures or part thereof shall carry all the rights to interest if any, accrued and unpaid which were carried by such Debentures or part thereof and shall be so dated and shall bear the same maturity date and, subject to the provisions of this By-law, shall be subject to the same terms and conditions as the Debentures in respect of which the transfer, exchange or substitution is effected. 15. The cost of all transfers and exchanges, including the printing of authorized denominations of the new Debentures, shall be borne by the Municipality. When any of the Debentures are surrendered for transfer or exchange the Treasurer of the Municipality shall: (a) in the case of an exchange, cancel and destroy the Debentures surrendered for exchange; (b) in the case of an exchange, certify the cancellation and destruction in the registry; (c) enter in the registry particulars of the new Debenture or Debentures issued in exchange; and (d) in the case of a transfer, enter in the registry particulars of the registered holder as directed by the transferor. 16. Reasonable fees in respect of the Debentures, in the normal course of business, other than reasonable fees for the substitution of a new Debenture or new Debentures for any of the Debentures that are mutilated, defaced, lost, mysteriously or unexplainably missing, stolen or destroyed and for the replacement of any of the principal and interest cheques (if any) that are mutilated, defaced, lost, mysteriously or unexplainably missing, stolen or destroyed may be imposed by the Municipality. When new Debentures are issued in substitution in these circumstances the Municipality shall: (a) treat as cancelled and destroyed the Debentures in respect of which new Debentures will be issued in substitution; (b) certify the deemed cancellation and destruction in the registry; (c) enter in the registry particulars of the new Debentures issued in substitution; and (d) make a notation of any indemnities provided. 17. Except as otherwise expressly provided herein, any notice required to be given to a registered holder of one or more of the Debentures will be sufficiently given if a copy of such notice is mailed or otherwise delivered to the registered address of such registered holder in accordance with the provisions of the Financing Agreement. 18. The Warden and the Treasurer are hereby authorized to cause the Debentures to be issued, one or more of the Clerk and Treasurer are hereby authorized to generally do all things and to execute all other documents and other papers in the name of the Municipality in order to carry out the issue of the Debentures and the Treasurer is authorized to affix the Municipality's municipal seal to any of such documents and papers. Page 50 of 74 5 of 28 19. The money received by the Municipality from the sale of the Debentures to OILC, including any premium, and any earnings derived from the investment of that money, after providing for the expenses related to their issue, if any, shall be apportioned and applied to the Capital Work(s) and to no other purpose except as permitted by the Act. 20. Subject to the Municipality's investment policies and goals, the applicable legislation and the terms and conditions of the Debentures, the Municipality may, if not in default under the Debentures, at any time purchase any of the Debentures in the open market or by tender or by private contract at any price and on such terms and conditions (including, without limitation, the manner by which any tender offer may be communicated or accepted and the persons to whom it may be addressed) as the Municipality may in its discretion determine. 21. This By-law takes effect on the day of passing. By-law read a first and second time this 22nd day of April, 2025 By-law read a third time and finally passed this 22nd day of April, 2025 Grant Jones, Warden Blaine Parkin, CAO & Clerk Page 51 of 74 6 of 28 The Corporation of The County of Elgin Schedule "A" to By-law Number 25-18 (1) (2) (3) (4) (5) (6) Approved Amount to be Amount of Amount of Term of By-law Project Financed Debentures Debentures Years of Description Through the Previously to be Issued Debentures Issue of Issued Debentures Terrace 22-35 Lodge $27,000,000.00 $0.00 $6,000,000.00 10 years Rebuild Page 52 of 74 7 of 28 The Corporation of The County of Elgin Schedule "B" to By-law Number 25-18 No. 25-18 1$6,000 000.00 CANADA Province of Ontario The Corporation of The County of Elgin FULLY REGISTERED 4.01 % AMORTIZING DEBENTURE The Corporation of The County of Elgin (the "Municipality"), for value received, hereby promises to pay to ONTARIO INFRASTRUCTURE AND LANDS CORPORATION ("OILC") or registered assigns, subject to the Conditions attached hereto which form part hereof (the "Conditions"), upon presentation and surrender of this debenture (or as otherwise agreed to by the Municipality and OILC) by the maturity date of this debenture (May 01, 2035), the principal amount of SIX MILLION DOLLARS ($ 6, 0 0 0, 0 0 0.0 0)--------------------------------- by equal semi-annual instalments of combined principal and interest on the first day of November and on the first day of May in each of the years 2025 to 2035 commencing November 1, 2025, both inclusive, save and except for the last instalment which may vary slightly from the preceding equal instalments, in the amounts set forth in the attached Amortizing Debenture Schedule (the "Amortization Schedule") and subject to late payment interest charges pursuant to the Conditions, in lawful money of Canada. Subject to the Conditions: interest shall be paid until the maturity date of this debenture, in like money in semi-annual payments from the closing date (May 01, 2025), or from the last date on which interest has been paid on this debenture, whichever is later, at the rate of 4.01 % per annum, in arrears, on the specified dates, as set forth in the Amortization Schedule; and interest shall be paid on default at the applicable rate set out in the Amortization Schedule both before and after default and judgment. The payments of principal and interest and the outstanding amount of principal in each year are shown in the Amortization Schedule. The Municipality, pursuant to section 25 of the Ontario Infrastructure and Lands Corporation Act, 2011 (the "OILC Act, 2011") hereby irrevocably agrees that the Minister of Finance is entitled, without notice to the Municipality, to deduct from money appropriated by the Legislative Assembly of Ontario for payment to the Municipality, amounts not exceeding any amounts that the Municipality fails to pay OILC on account of any unpaid indebtedness Page 53 of 74 8 of 28 under this debenture, and to pay such amounts to OILC from the Consolidated Revenue Fund. This debenture is subject to the Conditions. DATED at The Corporation of The County of Elgin as at the 1st day of May, 2025 IN TESTIMONY WHEREOF and under the authority of By-law Number 25-18 of the Municipality duly passed on the 22nd day of April, 2025 (the "By-law"), this debenture is sealed with the municipal seal of the Municipality and signed by the Warden and by the Treasurer thereof. Date of Registration: May 01, 2025 NTD: SIGNATURE NOT REQUIRED ON FORM OF CERTIFICATE] [NTD: SIGNATURE NOT REQUIRED ON FORM OF CERTIFICATE Grant Jones, Warden (Seal) Jennifer Ford, Treasurer OILC hereby agrees that the Minister of Finance is entitled to exercise certain rights of deduction pursuant to section 25 of the OILC Act, 2011 as described in this debenture. Ontario Infrastructure and Lands Corporation bv: Authorized Signing Officer by: Authorized Signing Officer Page 54 of 74 9 of 28 LEGAL OPINION We have examined the By-law of the Municipality authorizing the issue of amortizing debentures in the principal amount of $6,000,000.00 dated May 01, 2025 and maturing on May 01, 2035 payable in equal semi-annual instalments of combined principal and interest on the first day of November and on the first day of May in each of the years 2025 to 2035 commencing November 1, 2025, both inclusive, save and except for the last instalment which may vary slightly from the preceding equal instalments as set out in Schedule "C" to the By-law. In our opinion, the By-law has been properly passed and is within the legal powers of the Municipality. The debenture issued under the By-law in the within form (the "Debenture") is the direct, general, unsecured and unsubordinated obligation of the Municipality. The Debenture is enforceable against the Municipality subject to the special jurisdiction and powers of the Ontario Land Tribunal over defaulting municipalities under the Municipal Affairs Act. This opinion is subject to and incorporates all the assumptions, qualifications and limitations set out in our opinion letter. May 01, 2025 John E. Hogan [no signature required] Page 55 of 74 10 of 28 CONDITIONS OF THE DEBENTURE Form, Denomination, and Ranking of the Debenture 1. The debentures issued pursuant to the By-law (collectively the "Debentures" and individually a "Debenture") are issuable as fully registered Debentures without coupons. 2. The Debentures are direct, general, unsecured and unsubordinated obligations of the Municipality. The Debentures rank concurrently and equally in respect of payment of principal and interest with all other debentures of the Municipality except for the availability of money in a sinking or retirement fund for a particular issue of debentures. 3. This Debenture is one fully registered Debenture registered in the name of OILC and held by OILC. Registration 4. The Municipality shall maintain at its designated office a registry in respect of the Debentures in which shall be recorded the names and the addresses of the registered holders and particulars of the Debentures held by them respectively and in which particulars of cancellations, exchanges, substitutions and transfers of Debentures, may be recorded and the Municipality is authorized to use electronic, magnetic or other media for records of or related to the Debentures or for copies of them. Title 5. The Municipality shall not be bound to see to the execution of any trust affecting the ownership of any Debenture or be affected by notice of any equity that may be subsisting in respect thereof. The Municipality shall deem and treat registered holders of Debentures, including this Debenture, as the absolute owners thereof for all purposes whatsoever notwithstanding any notice to the contrary and all payments to or to the order of registered holders shall be valid and effectual to discharge the liability of the Municipality on the Debentures to the extent of the amount or amounts so paid. Where a Debenture is registered in more than one name, the principal of and interest from time to time payable on such Debenture shall be paid to or to the order of all the joint registered holders thereof, failing written instructions to the contrary from all such joint registered holders, and such payment shall constitute a valid discharge to the Municipality. In the case of the death of one or more joint registered holders, despite the foregoing provisions of this section, the principal of and interest on any Debentures registered in their names may be paid to the survivor or survivors of such holders and such payment shall constitute a valid discharge to the Municipality. Page 56 of 74 11 of 28 Payments of Principal and Interest 6. The record date for purposes of payment of principal of and interest on the Debentures is as of 5.00 p.m. on the sixteenth calendar day preceding any payment date including the maturity date. Principal of and interest on the Debentures are payable by the Municipality to the persons registered as holders in the registry on the relevant record date. The Municipality shall not be required to register any transfer, exchange or substitution of Debentures during the period from any record date to the corresponding payment date. 7. The Municipality shall make all payments in respect of equal semi-annual instalments of combined principal and interest including the last `non -equal' instalment on the Debentures on the payment dates commencing on November 01, 2025 and ending on May 01, 2035 as set out in Schedule "C" to the By-law, by pre -authorized debit in respect of such interest and principal to the credit of the registered holder on such terms as the Municipality and the registered holder may agree. 8. The Municipality shall pay to the registered holder interest on any overdue amount of principal or interest in respect of any Debenture, both before and after default and judgment, at a rate per annum equal to the greater of the rate specified on the Schedule as attached to and forming part of the Debenture for such amount plus 200 basis points or Prime Rate (as defined below) plus 200 basis points, calculated on a daily basis from the date such amount becomes overdue for so long as such amount remains overdue and the Municipality shall pay to the registered holder any and all costs incurred by the registered holder as a result of the overdue payment. 9. Whenever it is necessary to compute any amount of interest in respect of the Debentures for a period of less than one full year, other than with respect to regular semi-annual interest payments, such interest shall be calculated on the basis of the actual number of days in the period and a year of 365 days or 366 days as appropriate. 10. Payments in respect of principal of and interest on the Debentures shall be made only on a day, other than Saturday or Sunday, on which banking institutions in Toronto, Ontario, Canada and the Municipality are not authorized or obligated by law or executive order to be closed (a "Business Day"), and if any date for payment is not a Business Day, payment shall be made on the next following Business Day as noted on the Amortization Schedule. 11. The Debentures are transferable or exchangeable at the office of the Treasurer of the Municipality upon presentation for such purpose accompanied by an instrument of transfer or exchange in a form approved by the Municipality and which form is in accordance with the prevailing Canadian transfer legislation and practices, executed by the registered holder thereof or such holder's duly authorized attorney or legal personal representative, whereupon and upon registration of such transfer or exchange and cancellation of the Debenture or Debentures presented, a new Debenture or Debentures of an equal aggregate principal amount in any authorized denomination or denominations will be delivered as directed by the transferor, in the case of a transfer or as directed by the registered holder in the case of an exchange. Page 57 of 74 12 of 28 12. The Municipality shall issue and deliver Debentures in exchange for or in substitution for Debentures outstanding on the registry with the same maturity and of like form in the event of a mutilation, defacement, loss, mysterious or unexplainable disappearance, theft or destruction, provided that the applicant therefor shall have: (a) paid such costs as may have been incurred in connection therewith; (b) (in the case of a mutilated, defaced, lost, mysteriously or unexplainably missing, stolen or destroyed Debenture) furnished the Municipality with such evidence (including evidence as to the certificate number of the Debenture in question) and an indemnity in respect thereof satisfactory to the Municipality in its discretion; and (c) surrendered to the Municipality any mutilated or defaced Debentures in respect of which new Debentures are to be issued in substitution. 13. The Debentures issued upon any registration of transfer or exchange or in substitution for any Debentures or part thereof shall carry all the rights to interest if any, accrued and unpaid which were carried by such Debentures or part thereof and shall be so dated and shall bear the same maturity date and, subject to the provisions of the By- law, shall be subject to the same terms and conditions as the Debentures in respect of which the transfer, exchange or substitution is effected. 14. The cost of all transfers and exchanges, including the printing of authorized denominations of the new Debentures, shall be borne by the Municipality. When any of the Debentures are surrendered for transfer or exchange the Treasurer of the Municipality shall: (a) in the case of an exchange, cancel and destroy the Debentures surrendered for exchange; (b) in the case of an exchange, certify the cancellation and destruction in the registry; (c) enter in the registry particulars of the new Debenture or Debentures issued in exchange; and (d) in the case of a transfer, enter in the registry particulars of the registered holder as directed by the transferor. 15. Reasonable fees for the substitution of a new Debenture or new Debentures for any of the Debentures that are mutilated, defaced, lost, mysteriously or unexplainably missing, stolen or destroyed and for the replacement of mutilated, defaced, lost, mysteriously or unexplainably missing, stolen or destroyed principal and interest cheques (if any) may be imposed by the Municipality. When new Debentures are issued in substitution in these circumstances the Municipality shall: (a) treat as cancelled and destroyed the Debentures in respect of which new Debentures will be issued in substitution; (b) certify the deemed cancellation and destruction in the registry; (c) enter in the registry particulars of the new Debentures issued in substitution; and (d) make a notation of any indemnities provided. 16. If OILC elects to terminate its obligations under the financing agreement or rate offer agreement entered into between the Municipality and OILC, pursuant to which the Debentures are issued, or if the Municipality fails to meet and pay any of its debts or liabilities when due, or uses all or any portion of the proceeds of any Debenture for any purpose other than for a Capital Work(s) as authorized in the By -Law, the Municipality shall pay to OILC the Make -Whole Amount on account of the losses that it will incur as a result of the early repayment or early termination. Page 58 of 74 13 of 28 Notices 17. Except as otherwise expressly provided herein, any notice required to be given to a registered holder of one or more of the Debentures will be sufficiently given if a copy of such notice is mailed or otherwise delivered to the registered address of such registered holder. If the Municipality or any registered holder is required to give any notice in connection with the Debentures on or before any day and that day is not a Business Day (as defined in section 10 of these Conditions) then such notice may be given on the next following Business Day. Time 18. Unless otherwise expressly provided herein, any reference herein to a time shall be considered to be a reference to Toronto time. Governing Law 19. The Debentures are governed by and shall be construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario. Definitions: (a) "Prime Rate" means, on any day, the annual rate of interest which is the arithmetic mean of the prime rates announced from time to time by the following five major Canadian Schedule I banks, as of the issue date of this Debenture: Royal Bank of Canada; Canadian Imperial Bank of Commerce; The Bank of Nova Scotia; Bank of Montreal; and The Toronto -Dominion Bank (the "Reference Banks") as their reference rates in effect on such day for Canadian dollar commercial loans made in Canada. If fewer than five of the Reference Banks quote a prime rate on such days, the "Prime Rate" shall be the arithmetic mean of the rates quoted by those Reference Banks. (b) "Make -Whole Amount" means the amount determined by OILC as of the date of prepayment of the Debenture, by which (i) the present value of the remaining future scheduled payments of principal and interest under the Debenture to be repaid from the prepayment date until maturity of the Debenture discounted at the Ontario Yield exceeds (ii) the principal amount under the Debenture being repaid provided that the Make -Whole Amount shall never be less than zero. (c) "Ontario Yield" means the yield to maturity on the date of prepayment of the Debenture, assuming semi-annual compounding, which a non -prepayable term loan made by the Province of Ontario would have if advanced on the date of prepayment of the Debenture, assuming the same principal amount as the Debenture and with a maturity date which is the same as the remaining term to maturity of the Debenture to be repaid minus 100 basis points. Page 59 of 74 14 of 28 THE CORPORATION OF THE COUNTY OF ELGIN Schedule "C" to By-law Number 25-18 Loan.....: 3037 Name.....: The Corporation of The County of Elgin Principal: 6,000,000.00 Rate.....: 04.0100 Term.....: 120 Paid.....: Semi-annual Plan.....: Blended Pri n/I nt.: 367,117.39 Total I nt: 1,342,347.69 Remaining:0.00 Matures..: 05/01 /2035 Pay # Date Amount Due Principal Due Interest Due Rem. Principal 111/01/202S 367,117.39 246,817.39 120,300.00 5,753,182.61 2 05/01 /2026 367,117.39 251,766.08 115,351.31 5,501,416.53 3 11 /01 /2026 367,117.39 256,813.99 110,303.40 5,244,602.54 405/01/2027 367,117.39 261,963.11 105,154.28 4,982,639.43 5 11 /01 /2027 367,117.39 267,215.47 99,901.92 4,715,423.96 605/01/2028 367,117.39 272,573.14 94,544.25 4,442,850.82 711/01/2028 367,117.39 278,038.23 89,079.16 4,164,812.59 805/01/2029 367,117.39 283,612.90 83,504.49 3,881,199.69 9 11 /01 /2029 367,117.39 289,299.34 77,818.05 3,591,900.35 10 05/01/2030 367,117.39 295,099.79 72,017.60 3,296,800.56 11 11 /01 /2030 367,117.39 301,016.54 66,100.85 2,995,784.02 12 05/01/2031 367,117.39 307,051.92 60,065.47 2,688,732.10 13 11 /01 /2031 367,117.39 313,208.31 53,909.08 2,375,523.79 1405/01/2032 367,117.39 319,488.14 47,629.25 2,056,035.65 15 11 /01 /2032 367,117.39 325,893.88 41,223.51 1,730,141.77 16 05/01 /2033 367,117.39 332,428.05 34,689.34 1,397,713.72 17 11 /01 /2033 367,117.39 339,093.23 28,024.16 1,058,620.49 18 05/01 /2034 367,117.39 345,892.05 21,225.34 712,728.44 19 11 /01 /2034 367,117.39 352,827.18 14,290.21 359,901.26 20 05/01/2035 -------------- 367,117.28 -------------- 359,901.26 -------------- 7,216.02 0.00 7,342,347.69 6,000,000.00 1,342,347.69 Page 60 of 74 15 of 28 No. 25-18 1$6,000,000.00 CANADA Province of Ontario The Corporation of The County of Elgin FULLY REGISTERED 4.01 % AMORTIZING DEBENTURE The Corporation of The County of Elgin (the "Municipality"), for value received, hereby promises to pay to ONTARIO INFRASTRUCTURE AND LANDS CORPORATION ("OILC") or registered assigns, subject to the Conditions attached hereto which form part hereof (the "Conditions"), upon presentation and surrender of this debenture (or as otherwise agreed to by the Municipality and OILC) by the maturity date of this debenture (May 01, 2035), the principal amount of SIX MILLION DOLLARS ($6,000,000.00) by equal semi-annual instalments of combined principal and interest on the first day of November and on the first day of May in each of the years 2025 to 2035 commencing November 1, 2025, both inclusive, save and except for the last instalment which may vary slightly from the preceding equal instalments, in the amounts set forth in the attached Amortizing Debenture Schedule (the "Amortization Schedule") and subject to late payment interest charges pursuant to the Conditions, in lawful money of Canada. Subject to the Conditions: interest shall be paid until the maturity date of this debenture, in like money in semi-annual payments from the closing date (May 01, 2025), or from the last date on which interest has been paid on this debenture, whichever is later, at the rate of 4.01 % per annum, in arrears, on the specified dates, as set forth in the Amortization Schedule; and interest shall be paid on default at the applicable rate set out in the Amortization Schedule both before and after default and judgment. The payments of principal and interest and the outstanding amount of principal in each year are shown in the Amortization Schedule. The Municipality, pursuant to section 25 of the Ontario Infrastructure and Lands Corporation Act, 2011 (the "OILC Act, 2011") hereby irrevocably agrees that the Minister of Finance is entitled, without notice to the Municipality, to deduct from money appropriated by the Legislative Assembly of Ontario for payment to the Municipality, amounts not exceeding any amounts that the Municipality fails to pay OILC on account of any unpaid indebtedness under this debenture, and to pay such amounts to OILC from the Consolidated Revenue Fund. This debenture is subject to the Conditions. DATED at The Corporation of The County of Elgin as at the 1st day of May, 2025 Page 61 of 74 16 of 28 IN TESTIMONY WHEREOF and under the authority of By-law Number 25-18 of the Municipality duly passed on the 22nd day of April, 2025 (the "By-law"), this debenture is sealed with the municipal seal of the Municipality and signed by the Warden and by the Treasurer thereof. Date of Registration: May 01, 2025 (Seal) Grant Jones, Warden Jennifer Ford, Treasurer OILC hereby agrees that the Minister of Finance is entitled to exercise certain rights of deduction pursuant to section 25 of the OILC Act, 2011 as described in this debenture. Ontario Infrastructure and Lands Corporation bv: bv: Authorized Signing Officer Authorized Signing Officer Page 62 of 74 17 of 28 LEGAL OPINION We have examined the By-law of the Municipality authorizing the issue of amortizing debentures in the principal amount of $6,000,000.00 dated May 01, 2025 and maturing on May 01, 2035 payable in equal semi-annual instalments of combined principal and interest on the first day of November and on the first day of May in each of the years 2025 to 2035 commencing November 1, 2025, both inclusive, save and except for the last instalment which may vary slightly from the preceding equal instalments as set out in Schedule "C" to the By-law. In our opinion, the By-law has been properly passed and is within the legal powers of the Municipality. The debenture issued under the By-law in the within form (the "Debenture") is the direct, general, unsecured and unsubordinated obligation of the Municipality. The Debenture is enforceable against the Municipality subject to the special jurisdiction and powers of the Ontario Land Tribunal over defaulting municipalities under the Municipal Affairs Act. This opinion is subject to and incorporates all the assumptions, qualifications and limitations set out in our opinion letter. May 01, 2025 John E. Hogan [no signature required] Page 63 of 74 18 of 28 CONDITIONS OF THE DEBENTURE Form, Denomination, and Ranking of the Debenture 1. The debentures issued pursuant to the By-law (collectively the "Debentures" and individually a "Debenture") are issuable as fully registered Debentures without coupons. 2. The Debentures are direct, general, unsecured and unsubordinated obligations of the Municipality. The Debentures rank concurrently and equally in respect of payment of principal and interest with all other debentures of the Municipality except for the availability of money in a sinking or retirement fund for a particular issue of debentures. 3. This Debenture is one fully registered Debenture registered in the name of OILC and held by OILC. Registration 4. The Municipality shall maintain at its designated office a registry in respect of the Debentures in which shall be recorded the names and the addresses of the registered holders and particulars of the Debentures held by them respectively and in which particulars of cancellations, exchanges, substitutions and transfers of Debentures, may be recorded and the Municipality is authorized to use electronic, magnetic or other media for records of or related to the Debentures or for copies of them. Title 5. The Municipality shall not be bound to see to the execution of any trust affecting the ownership of any Debenture or be affected by notice of any equity that may be subsisting in respect thereof. The Municipality shall deem and treat registered holders of Debentures, including this Debenture, as the absolute owners thereof for all purposes whatsoever notwithstanding any notice to the contrary and all payments to or to the order of registered holders shall be valid and effectual to discharge the liability of the Municipality on the Debentures to the extent of the amount or amounts so paid. Where a Debenture is registered in more than one name, the principal of and interest from time to time payable on such Debenture shall be paid to or to the order of all the joint registered holders thereof, failing written instructions to the contrary from all such joint registered holders, and such payment shall constitute a valid discharge to the Municipality. In the case of the death of one or more joint registered holders, despite the foregoing provisions of this section, the principal of and interest on any Debentures registered in their names may be paid to the survivor or survivors of such holders and such payment shall constitute a valid discharge to the Municipality. Page 64 of 74 19 of 28 Payments of Principal and Interest 6. The record date for purposes of payment of principal of and interest on the Debentures is as of 5.00 p.m. on the sixteenth calendar day preceding any payment date including the maturity date. Principal of and interest on the Debentures are payable by the Municipality to the persons registered as holders in the registry on the relevant record date. The Municipality shall not be required to register any transfer, exchange or substitution of Debentures during the period from any record date to the corresponding payment date. 7. The Municipality shall make all payments in respect of equal semi-annual instalments of combined principal and interest including the last `non -equal' instalment on the Debentures on the payment dates commencing on November 01, 2025 and ending on May 01, 2035 as set out in Schedule "C" to the By-law, by pre -authorized debit in respect of such interest and principal to the credit of the registered holder on such terms as the Municipality and the registered holder may agree. 8. The Municipality shall pay to the registered holder interest on any overdue amount of principal or interest in respect of any Debenture, both before and after default and judgment, at a rate per annum equal to the greater of the rate specified on the Schedule as attached to and forming part of the Debenture for such amount plus 200 basis points or Prime Rate (as defined below) plus 200 basis points, calculated on a daily basis from the date such amount becomes overdue for so long as such amount remains overdue and the Municipality shall pay to the registered holder any and all costs incurred by the registered holder as a result of the overdue payment. 9. Whenever it is necessary to compute any amount of interest in respect of the Debentures for a period of less than one full year, other than with respect to regular semi-annual interest payments, such interest shall be calculated on the basis of the actual number of days in the period and a year of 365 days or 366 days as appropriate. 10. Payments in respect of principal of and interest on the Debentures shall be made only on a day, other than Saturday or Sunday, on which banking institutions in Toronto, Ontario, Canada and the Municipality are not authorized or obligated by law or executive order to be closed (a "Business Day"), and if any date for payment is not a Business Day, payment shall be made on the next following Business Day as noted on the Amortization Schedule. 11. The Debentures are transferable or exchangeable at the office of the Treasurer of the Municipality upon presentation for such purpose accompanied by an instrument of transfer or exchange in a form approved by the Municipality and which form is in accordance with the prevailing Canadian transfer legislation and practices, executed by the registered holder thereof or such holder's duly authorized attorney or legal personal representative, whereupon and upon registration of such transfer or exchange and cancellation of the Debenture or Debentures presented, a new Debenture or Debentures of an equal aggregate principal amount in any authorized denomination or denominations will be delivered as directed by the transferor, in the case of a transfer or as directed by the registered holder in the case of an exchange. Page 65 of 74 20 of 28 12. The Municipality shall issue and deliver Debentures in exchange for or in substitution for Debentures outstanding on the registry with the same maturity and of like form in the event of a mutilation, defacement, loss, mysterious or unexplainable disappearance, theft or destruction, provided that the applicant therefor shall have: (a) paid such costs as may have been incurred in connection therewith; (b) (in the case of a mutilated, defaced, lost, mysteriously or unexplainably missing, stolen or destroyed Debenture) furnished the Municipality with such evidence (including evidence as to the certificate number of the Debenture in question) and an indemnity in respect thereof satisfactory to the Municipality in its discretion; and (c) surrendered to the Municipality any mutilated or defaced Debentures in respect of which new Debentures are to be issued in substitution. 13. The Debentures issued upon any registration of transfer or exchange or in substitution for any Debentures or part thereof shall carry all the rights to interest if any, accrued and unpaid which were carried by such Debentures or part thereof and shall be so dated and shall bear the same maturity date and, subject to the provisions of the By- law, shall be subject to the same terms and conditions as the Debentures in respect of which the transfer, exchange or substitution is effected. 14. The cost of all transfers and exchanges, including the printing of authorized denominations of the new Debentures, shall be borne by the Municipality. When any of the Debentures are surrendered for transfer or exchange the Treasurer of the Municipality shall: (a) in the case of an exchange, cancel and destroy the Debentures surrendered for exchange; (b) in the case of an exchange, certify the cancellation and destruction in the registry; (c) enter in the registry particulars of the new Debenture or Debentures issued in exchange; and (d) in the case of a transfer, enter in the registry particulars of the registered holder as directed by the transferor. 15. Reasonable fees for the substitution of a new Debenture or new Debentures for any of the Debentures that are mutilated, defaced, lost, mysteriously or unexplainably missing, stolen or destroyed and for the replacement of mutilated, defaced, lost, mysteriously or unexplainably missing, stolen or destroyed principal and interest cheques (if any) may be imposed by the Municipality. When new Debentures are issued in substitution in these circumstances the Municipality shall: (a) treat as cancelled and destroyed the Debentures in respect of which new Debentures will be issued in substitution; (b) certify the deemed cancellation and destruction in the registry; (c) enter in the registry particulars of the new Debentures issued in substitution; and (d) make a notation of any indemnities provided. 16. If OILC elects to terminate its obligations under the financing agreement or rate offer agreement entered into between the Municipality and OILC, pursuant to which the Debentures are issued, or if the Municipality fails to meet and pay any of its debts or liabilities when due, or uses all or any portion of the proceeds of any Debenture for any purpose other than for a Capital Work(s) as authorized in the By -Law, the Municipality shall pay to OILC the Make -Whole Amount on account of the losses that it will incur as a result of the early repayment or early termination. Page 66 of 74 21 of 28 Notices 17. Except as otherwise expressly provided herein, any notice required to be given to a registered holder of one or more of the Debentures will be sufficiently given if a copy of such notice is mailed or otherwise delivered to the registered address of such registered holder. If the Municipality or any registered holder is required to give any notice in connection with the Debentures on or before any day and that day is not a Business Day (as defined in section 10 of these Conditions) then such notice may be given on the next following Business Day. Time 18. Unless otherwise expressly provided herein, any reference herein to a time shall be considered to be a reference to Toronto time. Governing Law 19. The Debentures are governed by and shall be construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario. Definitions: (a) "Prime Rate" means, on any day, the annual rate of interest which is the arithmetic mean of the prime rates announced from time to time by the following five major Canadian Schedule I banks, as of the issue date of this Debenture: Royal Bank of Canada; Canadian Imperial Bank of Commerce; The Bank of Nova Scotia; Bank of Montreal; and The Toronto -Dominion Bank (the "Reference Banks") as their reference rates in effect on such day for Canadian dollar commercial loans made in Canada. If fewer than five of the Reference Banks quote a prime rate on such days, the "Prime Rate" shall be the arithmetic mean of the rates quoted by those Reference Banks. (b) "Make -Whole Amount" means the amount determined by OILC as of the date of prepayment of the Debenture, by which (i) the present value of the remaining future scheduled payments of principal and interest under the Debenture to be repaid from the prepayment date until maturity of the Debenture discounted at the Ontario Yield exceeds (ii) the principal amount under the Debenture being repaid provided that the Make -Whole Amount shall never be less than zero. (c) "Ontario Yield" means the yield to maturity on the date of prepayment of the Debenture, assuming semi-annual compounding, which a non -prepayable term loan made by the Province of Ontario would have if advanced on the date of prepayment of the Debenture, assuming the same principal amount as the Debenture and with a maturity date which is the same as the remaining term to maturity of the Debenture to be repaid minus 100 basis points. Page 67 of 74 22 of 28 Loan.....: 3037 Name.....: The Corporation of The County of Elgin Principal: 6,000,000.00 Rate.....: 04.0100 Term.....: 120 Paid.....: Semi-annual Plan.....: Blended Pri n/I nt.: 367,117.39 Total I nt: 1,342,347.69 Remaining:0.00 Matures..: OS/01 /203S Pay # Date Amount Due Principal Due Interest Due Rem. Principal 111/01/202S 367,117.39 246,817.39 120,300.00 S,7S3,182.61 2 OS/O1 /2026 367,117.39 2S1,766.08 11 S,3S1.31 S,S01,416.S3 3 11 /01 /2026 367,117.39 2S6,813.99 110,303.40 S,244,602.S4 4 OS/O1 /2027 367,117.39 261,963.11 10S,1 S4.28 4,982,639.43 S 11 /01 /2027 367,117.39 267,21 S.47 99,901.92 4,71 S,423.96 6OS/O1/2028 367,117.39 272,S73.14 94,S44.2S 4,442,8SO.82 711/01/2028 367,117.39 278,038.23 89,079.16 4,164,812.S9 8OS/O1/2029 367,117.39 283,612.90 83,SO4.49 3,881,199.69 9 11 /01 /2029 367,117.39 289,299.34 77,818.OS 3,S91,900.3S 10 OS/O1/2030 367,117.39 29S,099.79 72,017.60 3,296,800.S6 11 11 /01 /2030 367,117.39 301,016.S4 66,100.8S 2,99S,784.02 12 OS/01/2031 367,117.39 307,OS1.92 60,06S.47 2,688,732.10 13 11 /01 /2031 367,117.39 313,208.31 S3,909.08 2,37S,S23.79 14OS/O1/2032 367,117.39 319,488.14 47,629.2S 2,OS6,03S.6S 1 S 11 /01 /2032 367,117.39 32S,893.88 41,223.S1 1,730,141.77 16 OS/O1 /2033 367,117.39 332,428.OS 34,689.34 1,397,713.72 17 11 /01 /2033 367,117.39 339,093.23 28,024.16 1,OS8,620.49 18 OS/01 /2034 367,117.39 34S,892.OS 21,22S.34 712,728.44 19 11 /01 /2034 367,117.39 3S2,827.18 14,290.21 3S9,901.26 20 OS/O1/203S -------------- 367,117.28 -------------- 3S9,901.26 -------------- 7,216.02 0.00 7,342,347.69 6,000,000.00 1,342,347.69 Page 68 of 74 23 of 28 CERTIFICATE OF THE CLERK To: John E. Hogan And To: OILC IN THE MATTER OF an issue of a 10 years, 4.01% amortizing debenture of The Corporation of The County of Elgin (the "Municipality") in the principal amount of $6,000,000.00, authorized by Debenture By-law Number 25-18 (the "Debenture By-law"); AND IN THE MATTER OF authorizing by-law(s) of the Municipality enumerated in Schedule "A" to the Debenture By-law. I, Blaine Parkin, CAO & Clerk of the Municipality, DO HEREBY CERTIFY THAT- 1 . The Debenture By-law was finally passed and enacted by the Council of the Municipality on April 22, 2025 in full compliance with the Municipal Act, 2001, as amended (the "Act") at a duly called meeting at which a quorum was present. Forthwith after the passage of the Debenture By-law, the same was signed by the Warden and the Clerk and sealed with the municipal seal of the Municipality. 2. The authorizing by-law(s) referred to in Schedule "A" to the Debenture By-law (the "Authorizing By-law(s)") have been enacted and passed by the Council of the Municipality in full compliance with the Act at meeting(s) at which a quorum was present. Forthwith after the passage of the Authorizing By-law(s) the same were signed by the Warden and by the Clerk and sealed with the municipal seal of the Municipality. 3. With respect to the undertaking of the capital work(s) described in the Debenture By-law (the "Capital Work(s)"), before the Council of the Municipality exercised any of its powers in respect of the Capital Work(s), and before authorizing any additional cost amount and any additional debenture authority in respect thereof (if any), the Council of the Municipality had its Treasurer complete the required calculation set out in the relevant debt and financial obligation limits regulation (the "Regulation"). Accordingly, based on the Treasurer's calculation and determination under the Regulation, the Council of the Municipality authorized the Capital Work(s), each such additional cost amount and each such additional debenture authority (if any), without the approval of the Ontario Land Tribunal pursuant to the Regulation. 4. No application has been made or action brought to quash, set aside or declare invalid the Debenture By-law or the Authorizing By-law(s) nor have the same been in any way repealed, altered or amended, except insofar as some of the Authorizing By-law(s) may have been amended by any of the Authorizing By-law(s) set forth in Schedule "A" (if any), and the Debenture By-law and the Authorizing By-law(s) are now in full force and effect. Moreover, the Warden has not provided written notice to the Council of the Municipality of an intent to consider vetoing the Debenture By-law and no written veto document in respect of the Debenture By-law has been given to the Clerk. Page 69 of 74 24 of 28 5. All of the recitals contained in the Debenture By-law and the Authorizing By- law(s) are true in substance and fact. 6. To the extent that the public notice provisions of the Act are applicable, the Authorizing By-law(s) and the Debenture By-law have been enacted and passed by the Council of the Municipality in full compliance with the applicable public notice provisions of the Act. 7. None of the debentures authorized to be issued by the Authorizing By-law(s) have been previously issued. 8. The Municipality is not subject to any restructuring order under part V of the Act or other statutory authority, accordingly, no approval of the Authorizing By-law(s) and of the Debenture By-law and/or of the issue of the OILC Debentures is required by any transition board or commission appointed in respect of the restructuring of the municipality. 9. The Authorizing By-law(s) and the Debenture By-law and the transactions contemplated thereby do not conflict with, or result in a breach or violation of any statutory provisions which apply to the Municipality or any agreement to which the Municipality is a party or under which the Municipality or any of its property is or may be bound, or, to the best of my knowledge, violate any order, award, judgment, determination, writ, injunction or decree applicable to the Municipality of any regulatory, administrative or other government or public body or authority, arbitrator or court. DATED at The Corporation of The County of Elgin as at the 1 st day of May, 2025 [AFFIX SEAL] Blaine Parkin, CAO & Clerk Page 70 of 74 25 of 28 CERTIFICATE OF THE TREASURER To: John E. Hogan And To: OILC IN THE MATTER OF an issue of a 10 years, 4.01% amortizing debenture of The Corporation of The County of Elgin (the "Municipality") in the principal amount of $6,000,000.00, for Capital Work(s) of the Municipality authorized by Debenture By-law Number 25-18 (the "Debenture By-law"); AND IN THE MATTER OF authorizing by-laws of the Municipality enumerated in Schedule "A" to the Debenture By-law. This Certificate is issued pursuant to the financing agreement between OILC and the Municipality effective the November 25, 2022 (the "Financing Agreement"). Capitalized terms used herein and defined in the Financing Agreement have the meanings ascribed to them in the Financing Agreement. I, Jennifer Ford, Treasurer of the Municipality, DO HEREBY CERTIFY THAT- 1 . The Municipality has received from the Ministry of Municipal Affairs and Housing its annual debt and financial obligation limit for the relevant years. 2. With respect to the undertaking of the capital work(s) described in the Debenture By- law (the "Capital Work(s)"), before the Council of the Municipality authorized the Capital Work(s),and before authorizing any additional cost amount and any additional debenture authority in respect thereof (if any), the Treasurer calculated the updated relevant debt and financial obligation limit in accordance with the applicable debt and financial obligation limits regulation (the "Regulation"). The Treasurer thereafter determined that the estimated annual amount payable in respect of the Capital Work(s), each such additional cost amount and each such additional debenture authority (if any), would not cause the Municipality to reach or to exceed the relevant updated debt and financial obligation limit as at the date of the Council's approval. Based on the Treasurer's determination, the Council of the Municipality authorized the Capital Work(s),each such additional cost amount and each such additional debenture authority (if any), without the approval of the Ontario Land Tribunal pursuant to the Regulation. 3. As at the date hereof the Municipality has not reached or exceeded its updated annual debt and financial obligation limit. 4. In updating the relevant debt and financial obligation limit(s), the estimated annual amounts payable described in the Regulation were determined based on current interest rates and amortization periods which do not, in any case, exceed the lifetime of any of the purposes of the Municipality described in such section, all in accordance with generally Page 71 of 74 26 of 28 accepted accounting principles for local governments as recommended, from time to time, by the relevant Public Sector Accounting Board. 5. Any issues that were raised in any audit conducted under paragraph 16 (a) of the Financing Agreement have been resolved to the satisfaction of OILC in its sole discretion and/or OILC has not required an audit under paragraph 16 (a) of the Financing Agreement or such audit is not ongoing. 6. The term within which the debentures to be issued for the Municipality in respect of the Capital Work(s) pursuant to the Debenture By-law are made payable does not exceed the lifetime of such Capital Work(s). 7. The principal amount now being financed through the issue of debentures pursuant to the Debenture By-law in respect of the Capital Work(s) does not exceed the net cost of each such Capital Work and does not exceed the Committed Amount for such Capital Work(s). 8. Expenditures on the Capital Work(s) have been made or will be made in an amount that does not exceed the Committed Amount for such Capital Work(s), if OILC, in its sole discretion, has agreed to purchase the debentures to be issued pursuant to the Debenture By-law prior to making any Advance or prior to the expenditure of all or any portion of the Committed Amount on the Capital Work(s). 9. The money received by the Municipality from the sale of the debentures issued pursuant to the Debenture By-law, including any premium, and any earnings derived from the investment of that money after providing for the expenses related to their issue, if any, shall be apportioned and applied to the Capital Work(s), and to no other purpose except as permitted by the Municipal Act, 2001. 10. As of the date hereof none of the events specified in paragraph 12(c) of the Financing Agreement have occurred or are continuing. 11. On or before May 01, 2025, I as Treasurer, signed the fully registered amortizing debenture numbered 25-18 in the principal amount of $6,000,000.00 dated May 01, 2025, registered in the name of Ontario Infrastructure and Lands Corporation and authorized by the Debenture By-law (the "OILC Debenture"). 12. On or before May 01, 2025, the OILC Debenture was signed by Grant Jones, Warden of the Municipality at the date of the execution and issue of the OILC Debenture, the OILC Debenture was sealed with the seal of the Municipality, the OILC Debenture is in all respects in accordance with the Debenture By-law and in issuing the OILC Debenture the Municipality is not exceeding its borrowing powers. 13. The said Grant Jones, is the duly elected Warden of the Municipality and that I am the duly appointed Treasurer of the Municipality and that we were severally authorized under the Debenture By-law to execute the OILC Debenture in the manner aforesaid and that the OILC Debenture is entitled to full faith and credence. 14. No litigation or proceedings of any nature are now pending or threatened, attacking or in any way attempting to restrain or enjoin the issue and delivery of the OILC Debenture or in any manner questioning the proceedings and the authority under which the same is issued, Page 72 of 74 27 of 28 or affecting the validity thereof, or contesting the title or official capacity of the said Warden or myself as Treasurer of the Municipality, and no proceedings for the issuance of the OILC Debenture or any part of it has been repealed, revoked or rescinded in whole or in part. 15. The representations and warranties of the Municipality set out in paragraph 2 of the Financing Agreement were true and correct as of the date of the request to purchase the debentures in respect of the Capital Work(s) pursuant to the Debenture By-law and are true and correct as of the date hereof and the Municipality is not in material default of any of its obligations under such Financing Agreement. DATED at The Corporation of The County of Elgin as at the 1 st day of May, 2025. [AFFIX SEAL] Jennifer Ford, Treasurer I, Blaine Parkin, CAO & Clerk of the Municipality do hereby certify that the signature of Jennifer Ford, Treasurer of the Municipality described above, is true and genuine. [AFFIX SEAL] Blaine Parkin, CAO & Clerk Page 73 of 74 28 of 28 COUNTY OF ELGIN By -Law No. 25-19 "BEING A BY-LAW TO CONFIRM PROCEEDINGS OF THE MUNICIPAL COUNCIL OF THE CORPORATION OF THE COUNTY OF ELGIN AT THE APRIL 22, 2025 MEETING" WHEREAS, pursuant to Section 5.1 of the Municipal Act, 2001, S.O.2001, c.25, as amended, the powers of a municipality shall be exercised by its Council; AND WHEREAS pursuant to Section 5.3 of the Municipal Act, 2001, S.O. 2001, c.25, as amended, the powers of every Council shall be exercised by by-law; AND WHEREAS it is deemed expedient that the proceedings of the Municipal Council of the Corporation of the County of Elgin at this meeting be confirmed and adopted by by-law NOW THEREFORE the Municipal Council of the Corporation of the County of Elgin enacts as follows: THAT the actions of the Municipal Council of the Corporation of the County of Elgin, in respect of each recommendation contained in the reports and each motion and resolution passed and other action taken by the Municipal Council of the Corporation of the County of Elgin, at its meeting held on April 22, 2025 be hereby adopted and confirmed as if all such proceedings were expressly embodied in this by-law. 2. THAT the Warden and appropriate officials of the Corporation of the County of Elgin are hereby authorized and directed to do all things necessary to give effect to the actions of the Municipal Council of the Corporation of the County of Elgin referred to in the preceding section hereof. 3. THAT the Warden and the Chief Administrative Officer, or alternate, are authorized and directed to execute all documents necessary in that behalf and to affix thereto the seal of the Corporation of the County of Elgin. READ A FIRST, SECOND AND THIRD TIME AND FINALLY PASSED THIS 22ND DAY OF APRIL 2025. Blaine Parkin, Grant Jones, Chief Administrative Officer/Clerk. Warden. Page 74 of 74