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Frequently Asked Questions I need to change my address and/or my phone number. What do I do? You need to advise CN Pension & Benefits Administration of any change of address. The CNPA cannot process any requests for address or phone number changes. CN Pensions & Benefits Administration will forward address changes to the CNPA so that any of our mailings will continue to reach you. Contact information for CN Pension & Benefits Administration is found on our Members Reference page. I need to change my banking information so that I continue to receive my monthly pension payment. What do I do? You need to advise CN Pension & Benefits Administration of any change of banking information. The CNPA cannot process any requests for this type of change. Contact information for CN Pension & Benefits Administration is found on our Members Reference page. A CN pensioner (or surviving spouse receiving a CN pension) has died? What should I do? There are a number of steps to be taken depending on the situation. The CNPA has put together a list of activities to help you in such circumstances. This information is found on the Death of a Pensioner page Is every CN pensioner a member of the CN Pensioners Association? No, not every CN pensioner or surviving spouse is currently a contributing member of the CNPA. Membership is optional; however, the CNPA is the only association that you have at your disposal to protect your interests, financial and otherwise regarding your pensions and/or benefits. Although the CNPA is a volunteer directed association, like any service organization it does require operating funds in which to conduct the business necessary for it to function successfully. Do I have to complete a membership application or renew my membership every year? The membership fee required to be a contributing member of the CNPA is $12 annually, which can be paid by (a) authorization of any CN pensioner or surviving spouse to have $1.00 per month deducted from their monthly pension cheque (payroll deduction) or (b) completion of a membership application accompanied by a cheque or money order in the amount of $12. By electing option (a) you never have to fill in any more applications and never have to worry about your membership dues as the $1.00 monthly deduction will continue each and every month unless you tell us to discontinue. So, the quick answer to the question is: If you elect payroll deduction, the answer is NO. If you wish to continue membership by paying annually, the answer is YES. More than 72% of contributing members have chosen payroll deduction and more are switching to PRD as they get to understand the benefits and convenience. We ask that you consider this method of paying membership dues so that we can keep our annual fee at the current low level of $12. We have unavoidable administrative costs and PRD helps us keep these costs at a minimum. How do I cancel my CNPA membership if I no longer wish to be a member? You may cancel your membership by sending an email to membership@cnpensioners.org and requesting you be removed from the membership. How do I know if I am on pension payroll deduction (PPD)? For those pensioners who receive their monthly pension payments via direct deposit, periodically (at least once per year) you will receive a "Statement of CN Pension Benefits and Deductions" slip from the CN Pension Trust Fund. This information slip will show your "Total Amount Before Deductions" along with a "Description of Deduction", i.e. Federal Tax, Blue Cross Monthly Premium and CN Pensioners" Association deductions. For those pensioners who still receive their monthly pension payment by cheque, the $1.00 deduction for CN Pensioners' Association is shown on your cheque stub. On the membership application form, what do you mean by "To which local/council do you wish to belong"? We have over 35 Local Councils strategically located throughout Canada. When we receive an application for membership we are obliged to assign the candidate to a Local Council. Our obligation is to associate the applicant to either (a) the closest local council to their geographical location or (b) a specific local council as chosen by the applicant. The choice is the prerogative of the applicant and you can be associated with any local council of your choice regardless of your current place of residence. What are the locations of the Local Councils? The CNPA is a tri-level association. The "parent" level is the National Council whose main objective is to be the liaison between the association and the company. The second level is comprised of 5 regions - Atlantic, Quebec, Ontario, Prairie and Mountain. The third level comprises the Local Councils within each of these regions. The full list is found on the Regional and Local Councils page. If a surviving spouse receiving a CN pension remarries, does he/she still receive the pension as the surviving spouse? Yes. I am a surviving spouse of a CN pensioner. Can I also become a contributing member of the CNPA? YES, as a surviving spouse you are an important part of the CN pensioner population and we welcome your application to become a contributing member. The CNPA is there to protect the interests of both pensioners and survivors. If a CN pensioner marries after his/her date of retirement, is his/her spouse entitled to any portion of his pension in the event of his/her death? No. To be entitled of a pension payment as a surviving spouse, the pensioner and spouse must be married at the date of retirement or living in a conjugal relationship at least one year prior to retirement. Are spouses of CN pensioners who are members of the CNPA automatically members of the CNPA as well? No. Spouses are NOT considered members unless the Dues Fee has been paid for them. If anyone wants their spouse to be a member, we can increase their Payroll Deduction to $2.00. When a pensioner passes away, the spouse will be sent an application for membership so she/he will have the option to become a contributing member. Nothing is automatic.

Details for the Saint John, NB CNPA/ARCN council Saint John Council (A11) Council Executive President James Flynn 1st Vice President William (Bill) Blathford Secretary Carman Fearon Treasurer Rita Gould Social Committee Vacant

Holo Alert 24/7 Medical Alert Protection Stay Safe Anywhere with Holo Alert — Exclusive Offer for CN Pensioners Holo Alert is one of Canada’s top-rated medical alert providers, trusted by thousands of Canadians to stay protected at home and on the go. Choose from three discreet, easy-to-use devices designed to get you help when you need it most: Choose Your Protection: Holo Pro Pendant - Lightweight neck-worn pendant with an optional clip for belt or pocket wear. Holo Mini Pendant - Compact and discreet, worn on the wrist for everyday comfort and ease. Holo Smartwatch - Sleek and modern with built-in heart rate and activity monitoring. All Devices Include: WiFi & GPS Tracking – So emergency responders know exactly where you are Two-Way Voice – Speak directly with trained Canadian operators Fall Detection – Automatically calls for help if a fall is detected Emergency Button – One press connects you to support instantly Water-Resistant – Safe to wear in the shower or outdoors Exclusive Benefits for CNPA Members**: FREE Device (up to $300 value) 10-Day Risk-Free Trial – Try it with confidence 20% Off Monthly Monitoring – Save $10–15/month on 24/7 GPS + Fall Detection services ** - To qualify, simply provide a photo of your CNPA membership card (showing your name and PIN). Ready to Order or Have Questions? Contact Matthew Toth at mtoth@holoalert.ca or call (888) 411-4656 . Visit www.holoalert.ca to learn more.

Conseil de Coteau / Vaudreuil-Soulanges (B4) Council Executive Président Daniel Leroux Tel: (450) 455-7330 Vice-président Michel Marin Tel: (450) 267-9970 Secrétaire-trésorier Andre Beriault Tel: (450) 370-2548 Directeur Richard Methot Tel: (450) 763-2232 Directeur Gilbert Charlebois Tel: (514) 894-6375 Directeur Claude Ladouceur Tel: (450) 267-9521

Submitting Your Claims There's more than one way to submit a claim. Online with eClaims Access complete information on your group benefits in a secure environment: submit claims electronically, review claims status and history, eligibility for specific products or services and online registration for direct deposit of your claims. Note: You must sign up for Direct Deposit in order to use eClaims. As well, not all services may be available to some plan members With the Medavie Blue Cross Mobile App Access to the same suite of information wherever you are and whenever you need Note: You must sign up for DIrect Deposit in order to use the mobile app to submit claims. As well, not all services may be available to some plan members By Mail You can still submit claims the old fashioned way if you prefer. Just fill out and print the forms , attach the necessary receipts and mail to the Medavie Blue Cross regional address for your province.

The CNPA has over 35 regional and local councils representing the membership of their specific geographical area. Details on each of the councils are found here. Regional & Local Councils Atlantic A1: Atlantic Regional Council A4: Edmundston Council A7: Moncton Council #1 A10: Sydney Council #6 A11: Saint John Council Newfoundland & Labrador A8: South West (Port aux Basque) A9: St. John's Branch Quebec B1: Québec Provincial Council B2: Abitibi Council B3: Bas-Saint-Laurent / Vallée-de-la-Matapédia / Gaspésie Council B4: Coteau / Vaudreuil-Soulanges Council B6: Centre-de-la-Mauricie / Haut-Saint-Mauricie / Laviolette Council B7: Montreal / Laval Council B9: Quebec Council B10: Rivière-Du-Loup Council B11: Saguenay / Lac-Saint-Jean Council B14: Rive-sud-de-Montréal / Laurentides / Lanaudière Council Ontario C1: Ontario Provincial Council C2: Barrie Council C3: Belleville Council C4: Hamilton Council C6: Kingston & Brockville Council C7: Southwestern Ontario Council C8: Niagara Falls Council C9: Ottawa Council C13: Thunder Bay Council C14: Toronto Council Prairie D2: Saskatchewan Council D3: Manitoba Division #1 Mountain E1: Regional Committee E2: Calgary: CN RailVets E3: Edmonton: CN RailVets E4: Kamloops/Okanagan Council E6: Nanaimo Council E7: Victoria Council E8: Vancouver Council E9: Fraser Valley Council E10: Central & Northern BC Council

The CN Pensioners Association regularly publishes newsletters to provide its members with the latest news and updates as well as stories of interest CNPA National Newsletters Want less paper coming to your door? CNPA E-Newsletter coming soon! The CNPA is excited to announce that, starting with the first 2026 edition (Spring) of our National Newsletter, we will be providing all our pensioners with an option to receive an electronic newsletter version instead of your current printed copy. The full colour E-Newsletter editions could be provided to you via an electronic link in an email as soon as it is posted. The E-Newsletters are environmentally friendly, more convenient and provides you direct access to any imbedded web links. It also reduces the printing and distribution costs and won’t be delayed by mail disruptions or an incorrect address. We want to hear your feedback on this important project at our new email address e-newsletter@cnpensioners.org . You can also use this same email to subscribe to the E-Newsletter - just include your name and PIN in the email. After you subscribe, you will receive a confirmation and will start receiving the E-Newsletter in the spring of 2026. While this will replace the paper version for those who subscribe, our contributing CNPA members will continue to receive their annual CN calendar by mail each December. Email us with your comments, and get yourself on the list to be the first to receive the National Newsletter electronically. Greetings From Your Editor As editor for the national newsletter, our focus is to strive for continuous improvement in delivering an informative and interesting newsletter to you. Our newsletter is issued and mailed to you three times per year (Spring, Summer and Winter) as well as posted to our website. However, we do require your assistance. We are always on the lookout for stories of interest - and that's where you come in. If you have a story you would like to share, please email your story to your respective regional representative. Contact information for the regional newsletter reps can be found in our national newsletters. We ask that all submissions be sent in electronically as a Word document. If you have a photo to go with it, please attach it separately to your email and list the names of all those in the photo. It is important that the photo be of high quality for printing purposes. Occasionally we will be sending out a survey looking for your feedback as well - what kind of articles would you like to see? E.g. personal stories, issues affecting pensioners such as health care and pensions, historical photos and stories, etc. Your feedback is important to us and will help us to serve you better. Steve Mihell Editor newsletters@cnpensioners.org Deadline for Articles : Spring Edition - January 31 Summer Edition - June 15 Winter Edition - September 30 National Newsletters Spring 2026 Winter 2025 Summer 2025 Spring 2025 Winter 2024 Summer 2024 Spring 2024 Winter 2023 Summer 2023 Regional & Local Newsletters Regional & Local Newsletters are available for some councils. If so, they are found and can be viewed by visiting the Regional or Local Council page. SpringC 2026

Ready To Sign Up? Are you a CN pensioner or surviving spouse and still not a member of the CNPA? Have you wondered why you should consider becoming a member all for only $1 a month? Hopefully our Programs & Benefits Page will have assisted you in making the decision to join us. The annual membership fee is $12.00 and the period is calendar year (January - December). Membership fee can be paid via payroll deduction (recommended method of payment). We arrange to have $1.00 per month deducted from your monthly pension cheque. This method is administratively beneficial to the association as it helps keep our administrative costs down. It saves the cost of postage to and from members each year, banking fees, transportation costs, etc. It is also beneficial to the pensioner as it continues without interruption until otherwise advised by the pensioner. You never have to wonder if your dues have been paid ever again. NOTE: As part of the Partnership agreement between CN and CNPA, effective January 1, 2020, CN will pay for the first twenty-four months of CNPA membership for all new retirees who enroll in the CNPA upon their retirement. Starting in the twenty-fifth month, your membership contribution will automatically be deducted from your monthly pension payment. Please note that the Payroll Deduction option is unfortunately not available to those who would fall under the "Associate Member" category. Please email us at membership@cnpensioners.org for more information as well as the sign up process for Associate Members. Fill out and submit the form below to join the CN Pensioners Association! CNPA Membership Application ** First Name Last Name CN PIN Street Address City Province/State/Region Postal / Zip code Country Country Code Phone Email Language Preference * English French Payment Preference * Automatic Pension Payroll Deduction ($1 per month) Cheque (paid annually) Local Council Select your local council affliation Expected Retirement Date (if applicable) CNPA Newsletter via Email? * Yes No CNPA Membership Card * E-Membership Card Plastic Wallet Card No Card Please accept my application for membership in the CN Pensioners Association. I have entered the information as accurately as possible. I understand that the annual fee is $12.00 per year. Checking this box (required) is considered to act as your signature of acknowledgement of membership. Register Now Thanks for your application! ** Terms & Conditions: By completing the online form above, you understand and agree that you will be a contributing member of the CNPA and thereby authorize the $1 per month deduction from your pension payment. You can decide to cancel your membership at any time by emailing membership@cnpensioners.org Note: If paying by cheque, please fill out and print the completed form (without clicking 'Register Now'), attach cheque or money order and mail to: Peter Moloney 33 Dunfield Cres. St. Albert, AB T8N 6R8

CNPA Health Care Committee Chairperson Blake Olson healthcare@cnpensioners.org Atlantic Representative Earl Garland garland.earl@gmail.com Quebec Representative Paul Goupil pgoupil@sympatico.ca Ontario Representative Roger McDevitt rogermcdevitt@gmail.com Prairie Representative Joanne Gaborieau joannegabor@outlook.com Mountain Representative Blake Olson blanche556@msn.com National Council (Ex-officio) Bruce Anderson Btanderson54@hotmail.com Atlantic Alternate Royce Girvan roycegirvan@gmail.com Quebec Alternate Charlotte Leblanc cleblancmtl@gmail.com Ontario Alternate Ron Hewson hewson@eastlink.ca Prairie Alternate Dennis Burton db5123855@gmail.com Mountain Alternate Michael Petrescu mapetrescu0@gmail.com

Montréal South Shore Council (B14) Montreal South Shore Council Facebook Page Council Executive Président (arcn.rs@gmail.com ) Marc Tessier Tel: (450) 656-7888 1er vice-président Michael Buchanan Tel: (450) 653-5853 2e vice-président Serge Labadie Tel: (514) 943-4618 Trésorier Marco Santerre marco.styx@sympatico.ca Secrétaire Danielle Malo Tel: (450) 448-9454 Secretaire Ginette Langlois Tel: (450) 281-0990 Directeur Réne Delisle Tel: (514) 229-2407 Directeur Jean Perrotte Tel: (450) 443-9740 Directeur Robert Martel Tel: (450) 671-5178 Directeur Jean Lavigne Tel: (450) 716-1745 Directrice Rive-Nord Chantale Lauzon Tel: (438) 526-4307 Directeur des communications Serge Labadie Tel: (514) 943-4618 June 8, 2023 - 35th Anniversary Gala of the B14 Council - In addition to the board members, spouses, elders and many volunteers are included Newsletters June 2024 March 2024 November 2023 August 2023 May 2023 February 2023 May 2024 February 2024 October 2023 July 2023 April 2023 January 2023 April 2024 January 2024 September 2023 June 2023 March 2023

Blue Cross Documents 2026 Health Care Plan The 2026 Blue Cross Manual for the Health Care Plan for CN Pensioners 2026 Premium Rates The 2026 Premium Rates for the Health Care Plan for CN Pensioners, by province Claim Forms You will find printable and fillable PDF versions of the health care forms

Dealing with the Death of a CN Pensioner You may be here because you recently lost a loved one or are assisting someone who has. If so, we would like to extend our deepest condolences to you and the family from everyone at the CN Pensioners Association (CNPA). It is always heartbreaking when we hear that a fellow CN Pensioner or their spouse or survivor has passed away. We recognize that this is a difficult time for the family and realize the issues you will face dealing with the loss. To assist family members manage what can be a difficult process, we have developed various checklists and links which may help make the process a bit easier. While we have attempted to list most usual items to be addressed or handled, the lists are not exhaustive and will not address every unique or unusual situation. Accordingly, you may often need specific professional, legal, financial or other outside support and we encourage you to get all the assistance you may require. These checklists were primarily developed to assist those receiving a CN Pension. Other CN retirees may also find the non-CN Pension information helpful. 1. Contact CN Pension and Benefits Administration When a CN Pensioner passes away, there are a number of things the spouse or family needs to do, but one thing that is important is to contact CN Pension & Benefits Administration as quickly as possible. Call them at: 1-800-361-0739 – Monday to Friday, from 8 AM to 6 PM Eastern Time CN Pension & Benefits Administration will ensure that necessary paperwork gets started and if there is an eligible spouse, that there is limited delay in managing their survivor pension. In addition, by contacting them, they will: Get all the necessary information from you to start managing the process. This includes mailing specific forms/documents related to the pension, for completion, signatures and submission back to them. Start the process for an eligible survivor pension. If there is a CN sponsored life insurance policy, CN Pension & Benefits Administration will notify the insurance company who will then write the spouse or estate and provide information on how to file a claim. If the CN Pensioner was a member of the CN Pensioners Association, this membership will be cancelled with the last pension payment. If the surviving spouse wishes, they may re-enroll via the application form that will be provided in the package from CN Pension & Benefits Administration. Who should call CN Pension & Benefits Administration? If there is an eligible spouse, and they are able to, they should be the person to call. Someone who is registered with CN Pension & Benefits Administration as a Power of Attorney for the deceased CN Pensioner, or the spouse of the deceased CN Pensioner. The person designated as the Executor/Administrator of the estate of the deceased CN Pensioner. If none of the above are available, a family member who is acting for the deceased. What information should they have on hand when they call? The unique 6 digit Personal Identification Number (PIN) of the deceased CN Pensioner. This may be found on previous annual pension statements, CN pension deposit notices, CN tax slips, a CNPA membership card, the original retirement forms or CN correspondence. The date of birth and the date of death of the CN Pensioner The residential address of the deceased CN Pensioner The Social Insurance Number of the deceased CN Pensioner If there is an eligible spouse of the deceased pensioner and they are contacting CN Pension & Benefits Administration, or if someone acting on behalf of the spouse is calling, they should also have the following information available about the spouse: Spouse’s date of birth Spouse’s Social Insurance Number Spouse’s residential address – especially if it will be different than the deceased pensioner Spouse’s phone number Bank account information An Estate Executor or a Power of Attorney or Administrator acting on behalf of the deceased CN Pensioner or the surviving spouse would need all the preceding information when calling Following the call, a package will be prepared and mailed to the appropriate person or party and will include various forms to complete and a list of required documents to provide (such as a copy of the death certificate for example). Although the payment of the survivor pension may commence following the notification of the member’s death, it may be suspended if the required documents aren’t received in a timely fashion after the package has been issued. In the event that there is no eligible spouse at time of death, there is still the possibility that there may be a benefit payable. CN Pension & Benefits Administration will provide all necessary information in this regard to the appropriate person or party. NOTE: When a CN Pensioner passes away, and their eligible surviving spouse commences receiving their survivor CN pension, the surviving spouse is now considered to be a CN Pensioner, and will assume the PIN of the deceased CN Pensioner. If a surviving spouse deceases, the processes listed above for a deceased pensioner will now apply to this surviving spouse. If the CN Pensioner had a CN Travel Pass – they should contact CN Pension and Benefits Administration and ask about continued eligibility. For additional guidance, please refer to the following flyers: the Pension Reference Guide and the Retiree Profile for Survivors and Estate. The Pension Reference Guide provides information on when to contact CN Pension and Benefits Administration. The Retiree Profile for Survivors and Estate outlines key information and emphasizes the importance of prompt communication with CN Pension and Benefits Administration in the event of a pensioner’s death. We encourage you to share this document with the person who will handle your affairs after your death. 2. Health Care Plan for CN Pensioners Was the CN Pensioner enrolled in the CN Pensioners Association Health Care Plan administered by Medavie Blue Cross under Plan number 93115? If they were, when contact is made with CN Pension & Benefits Administration, they will advise Medavie Blue Cross of the individual’s passing. If the CN Pensioner’s spouse was covered under the Pensioner member’s plan, Medavie Blue Cross will continue coverage for the spouse at no charge but for only two (2) additional months. These 2 months provide time for the new pension papers to be processed and allows an eligible surviving spouse the opportunity to reapply for coverage if desired. Important - The original policy for the deceased pensioner, that included the spouse, will be cancelled at the end of the 2 month free period for the spouse and the current Blue Cross cards will be invalidated. An eligible spouse must REAPPLY if desired. If there is an eligible spouse who will be receiving a CN survivor pension, included with the pension documents that will be sent from CN Pension & Benefits Administration will be a new Medavie Blue Cross information package & application. If the eligible spouse is interested, they can join/rejoin the CN Pensioners Association Health Care Plan. Even if the CN Pensioner and/or the eligible spouse was not previously covered by the CN Pensioners Association Health Care Plan, an eligible spouse will still receive a Medavie Blue Cross information package and application and may submit their application to join the Plan. An eligible spouse who intends to apply or reapply must submit their application form to Medavie Blue Cross in the enclosed enveloped within 60 days of receiving their survivor pension. If not, they will not be eligible to reapply later. (Exceptions may apply in Quebec) If the Spouse is not eligible for the CN survivor pension, they will also not be eligible for CN Pensioner Blue Cross Plan coverage. If there were any outstanding medical claims not previously submitted, please submit them as quickly as possible. If unsure about the process on how to claim or time limits, call Medavie Blue Cross at 1-866-660-7670. If there was NO eligible surviving spouse or if the surviving spouse chooses NOT to apply for coverage, the spouse or estate should contact Medavie Blue Cross at 1-866-660-7670, as there may be a reimbursable overpayment of premium. If the SPOUSE of a current covered CN Pensioner deceases, the Pensioner should contact Medavie Blue directly to review options to change their coverage. CN Post Retirement Health Care Spending Account Some former unionized CN Pensioners may receive this benefit from Canadian National following retirement between the ages of 55 and 65. If the deceased pensioner is between those ages, please contact Medavie Blue Cross at 1-866-660-7670, who administers this benefit for CN. Non-CN Pension Related Information While the CN Pensioners Association is not directly involved with the various Canadian/Provincial government agencies, we have listed some of the contacts of the primary agencies which many of our pensioners may receive benefits from and other items to consider. In addition, Contact information is provided below for Via Rail, Marine Atlantic and CN/CP Telecommunications Pensioners. Canada Pension – Québec Pension Plan – Old Age Security – Canada Revenue Agency Many pensioners receive these benefits and when someone passes away, like CN, they must be notified to stop payments and process any survivor benefits. To learn more about notifying the various affected Canadian government agencies visit: Notify of a Death You will need Proof of Death and the deceased CN Pensioner’s Social Insurance Number (SIN) Canada Revenue Agency (CRA) – Notify the CRA of a date of death or call 1-800-959-8281 Québec Pension Plan (QPP) – Steps to take in the event of death or call 1-800-463-5185 Service Canada handles the Canada Pension Plan (CPP) and Old Age Security (OAS) Plans as well as the Guaranteed Income Supplement (GIS) For Service Canada - visit Service Canada or call 1-800-622-6232 – to notify of death and review any potential survivor or death benefits. Service Canada can also advise on cancelling a passport. Registering the Death Your province requires the death to be registered. A funeral home typically will register a death within the province, and if they provide you with a death certificate, it means the death HAS been registered. If you don’t utilize a funeral home and don’t have a death certificate, you will usually need to notify the provincial department of Vital Statistics or provincial Services department. Other various Agencies or Documents which may require changes or cancellation Driver’s licence (contact your province to cancel), motor vehicle registrations & insurance, land titles, home insurance, utilities Provincial medical insurance coverage or other medical insurance Banks, credit cards, investment firms Clubs, organizations, memberships, social media, online accounts, subscriptions VIA Rail Pensioners – 1-800-799-9934 – (Request Pension Administration) Marine Atlantic Pensioners – 1-800-561-7660 (Request Pension Administration) CN/CP Telecommunications Pensioners – 1-800-276-7630 (ALLSTREAM Canada Corp.)