2026-2027 details coming fall 2026 CN & Hockey Helps the Homeless Thank you to those CN Pensioners who supported Hockey Helps the Homeless during the 2024–2025 season. Your time and energy helped raise $7.8 million for local shelters and housing programs across Canada. Team CN showed up in full force: 162 players and 46 volunteers across 8 cities stepped onto the ice alongside former pro players, all united by one goal: to help shutout homelessness. We’re excited to be back for the 2026–2027 tournaments ! Stay tuned for more information coming soon! About Hockey Helps the Homeless and CN Starting in 2024, CN signed on as the Premier National Partner with the Hockey Helps the Homeless (HHTH) program (details here ). The program consists of organizing and holding hockey tournaments in locations across Canada and where available, they include NHL, AHL, etc. alumni, local teams and where there is sufficient interest, a CN team (active employees). Since 1996, Hockey Helps the Homeless Canada, a not-for-profit hockey charity with over 25,000 donors, 3,500 players, and 1,000 volunteers, has granted over $28 million to face-off against homelessness. Everyone from community participants to NHL players and Olympians participate annually and "play with purpose to combat homelessness." 100% of net proceeds stay local in the city the tournament is in. HHTH partners with over 60 local homeless support agencies across Canada. For more information about Hockey Helps the Homeless events, please visit www.hockeyhelpsthehomeless.com . CN and HHTH are looking for volunteers to help make these events a success. Each event needs a group of volunteers to perform various duties during the tournament. CN and HHTH are hoping that some of our CNPA members will step forward act as volunteers at each of these locations. HHTH has advised that in terms of volunteer opportunities** for pensioners 60+ in age, there are various flexible roles including: Player Greeting Registration Player Gift/Incentives Breakfast/Lunch Time Keeping Selling Raffle Tickets ** Please note that most volunteer positions have early morning start times. NOTE: Any member/spouse volunteering for this event will qualify for our Railroaders in the Community program and can log their hours for the event and CN will contribute to HHTH. The details for the scheduled tournaments are listed below (locations where there is likely to be a "CN team" involved are indicated in the table). If you wish to become a HHTH volunteer, please go to the HHTH Volunteer Cup page at: https://hhth.akaraisin.com/ui/VolunteerCup Date Location / Lieu CN Team Expected/Équipe CN attendue Event Website / Site de l'événement 05/22/2026 Saskatoon https://hhth.akaraisin.com/ui/Sask2025 05/28/2026 Okanagan https://hhth.akaraisin.com/ui/OKG26 10/01/2026 2026-27 Coming Soon/À venir

Mail Order Pharmacy Save Money and Free Home Delivery of Prescription Drugs Over the last couple years, we have become more comfortable purchasing online, but what about your prescriptions? In the last year alone, our members have filled over 1000 of their prescriptions on line and through our partners. With Mail Order Pharmacy, you avoid trips to pharmacies, it is safe and efficient, and has LOWER PRICES than most pharmacies in Canada, and with FREE delivery, so save even more. For those in remote locations, or with restricted mobility, this could be worth looking at. It’s available to all CN Pensioner Medavie Blue Cross (MBC) plan members (#93115) , except in Quebec. MBC utilizes two leading home delivery pharmacy service providers. Telus Health Virtual Pharmacy (formerly Alliance) and Sobeys Pharmacy by Mail make it easy for our members to access the maintenance drugs they regularly need, the way they want. They also connect with your eligible provincial drug programs AND your Blue Cross coverage. These pharmacies will help manage your medications with you, you can do refills on line, and they will connect with your doctors where necessary. Registration is simple and quick. Call them and get the scoop, ask questions and make sure your concerns are addressed! Telus Health also offers a handy App. Call the toll-free numbers to register (have your Blue Cross and Provincial Health Care Card ready): Telus Health Virtual Pharmacy – Available All Across Canada (except Quebec) East - for Ontario and all Atlantic Provinces Phone (Toll Free): 1-888-921-0466 Fax (Toll Free): 1-877-835-8329 Hours: Mon - Fri, 9:00am - 5:00pm EST Central - for Manitoba, Saskatchewan and Nunavut Phone (Toll Free): 1-866-318-0047 Fax (Toll Free): 1-833-815-5756 Hours: Mon - Fri, 9:00am - 5:00pm CST West – for Alberta, British Columbia, Yukon and Northwest Territories Phone (Toll Free): 1-855-370-7979 Fax (Toll Free): 1-855-295-7174 Hours: Mon - Fri, 9:00am - 5:00pm PST or Sobeys Pharmacy by Mail Phone (Toll Free): 1-866-657-MEDS (6337) (Except Quebec) (Pharmacy located in Moncton and shipping from Moncton)

Ford Partner Recognition Program As a CN Pensioners Association member, you are eligible to participate in the Ford Partner Recognition X-Plan Vehicle Pricing Program! Program members have access to exclusive savings on Ford and Lincoln vehicles. CNPA members can access the program at www.fordpartner.com . You will need your Social Insurance Number (SIN) in order to complete the PIN request (last 4 digits only) and your PIN and proof of CNPA membership at the dealership Choose your country/language preference and use the CN/CNPA partner code - KX0E7 (a "zero" not the letter 'O') to enter the portal. Within the program portal, you can research vehicles, review plan rules and create your personalized PIN. To generate your PIN, you will need to enter the last 4 digits of your Social Insurance Number in the field labeled "Last 4 digits of NAS" as well as the other required information (name and address). Once you have your PIN, follow the instructions on how to use that PIN and proof of your CNPA membership to access Ford pricing discounts at any Ford dealer.

HearingLife Hearing Care Services The CN Pensioners Association has teamed up with the professionals at HearingLife to provide the very best hearing care services to all its members. HearingLife and its Network Partners have over 400 clinics across the nation and form the largest network of Hearing Health care providers in Canada. Your membership with the CN Pensioners Association makes you and your spouse/partner, children, and parents eligible to receive exclusive benefits, including an EXTRA 10% off the final purchase price of hearing aids and custom noise protection. * Please note that you will be required to show your CNPA membership card at your appointment. PLUS, you’re eligible to register for the HearingLife Advantage Club Pass and receive: A FREE Club Pass Card Access to exclusive contests and giveaways Take Advantage now! Visit HearingLifeAdvantage.ca/CNPA to request your free Club Pass Card Have questions? Contact the preferred partner line at 1-888-419-8871 For Quebec Residents : Provincial legislation prevents HearingLife from offering these benefits to residents of Quebec. However, HearingLife's has partnered with Le Groupe Forget, Audioprothésistes - with over 80 locations across the province - to offer similar benefits to our membership in Quebec. CNPA members in Quebec can contact Groupe Forget at 1-888-415-6101 to discuss these benefits. * Offers not available in Quebec.

Friends & Colleagues No Longer With Us* * Those deceased within the last 5 years, based on information received from CN Pensions & Benefits Administration Enter First and/or Last Name And/Or Filter by Council Name Select Council Last Name / Nom de famille First Name / Prénom Date of Death/ Date du décès Council Code Council Name / Nom du conseil Cabral Jose 06/30/2026 E3 Edmonton: CN RailVets Prefontaine Guy 06/30/2026 B7 Conseil Montréal / Laval Khan Habib 06/29/2026 E3 Edmonton: CN RailVets Nadeau Jean 06/29/2026 B14 Conseil de la Rive-sud-de-Montréal / Laurentides / Lanaudière Burant Henry 06/28/2026 D2 Saskatchewan Council Leblanc Doris 06/27/2026 A7 Moncton Council #1 Maillet Noella 06/27/2026 A7 Moncton Council #1 Bush Joe 06/26/2026 E10 Central & Northern BC Council Gallant Hector 06/26/2026 A7 Moncton Council #1 Howlett Anna 06/26/2026 A8 South West (Port aux Basque) Houle Liliane 06/25/2026 B14 Conseil de la Rive-sud-de-Montréal / Laurentides / Lanaudière Lannon Marie F 06/25/2026 A9 St. John's Branch Skeete Wreaker 06/25/2026 F1 National Council Spencer Ronald 06/25/2026 A7 Moncton Council #1 Adams Caesar 06/24/2026 C14 Toronto Council Aubry-Chevigny Honorine 06/24/2026 B14 Conseil de la Rive-sud-de-Montréal / Laurentides / Lanaudière Scott Randolph 06/24/2026 C3 Belleville Council Watson Margaret 06/24/2026 D3 Manitoba Division #1 Larocque Marguerite 06/22/2026 C13 Thunder Bay Council McMahon Karin H 06/22/2026 D3 Manitoba Division #1 Morrison Mary Louise 06/22/2026 C8 Niagara Falls Council Wilkins Sylvia 06/22/2026 E9 Fraser Valley Council Comeau Marie E 06/21/2026 A7 Moncton Council #1 Domagala Evelyn 06/21/2026 C14 Toronto Council Downey Geraldine 06/21/2026 D3 Manitoba Division #1 Page 1 of 1

Saskatchewan Council (D2) The Saskatchewan Council (D2) is based in Saskatoon and represents over 900 members living across the province of Saskatchewan. Our council is combined with that of Manitoba Division #1 and together we are known as the Prairie Region within the National Council. Manitoba has two national directors and Saskatchewan has one. These directors are there to serve the membership as liaisons between pensioners/surviving spouses and Canadian National Railways. If you are thinking about joining the Saskatchewan Council, please select council D2, on your membership application. The executive of the Saskatchewan council are your volunteers to assist you in any way that we can on items associated with your CN pension, benefits or CNPA health care with Blue Cross. Council Executive President Fred Bateman 1st Vice-President Dennis Burton 2nd Vice-President Terry Senko Secretary Vacant Treasurer Raoul Cieszkowski Past President Helen Jones National Council Representatives National Director (Prairie) Fred Bateman Health Care Committee - Alternate Dennis Burton Other Council Positions Provincial Government Liaison - Saskatchewan Terry Senko Membership Chairman Gary Heasman Newsletter Editor Gary Heasman Centenarian Coordinators Rick Crowe Terry Senko New Member Contact Vicki Stephanson Council Meetings When: Fourth Thursday of the month for the months of January, March, May, September and November, approximately 1 hour in duration Where: Masonic Temple, 1021 Saskatchewan Crescent W, Saskatoon, SK S7M 5J6 Enter by westside door and proceed to lower level Time: November, January & March – 11h00, followed by a luncheon at 12h00 May & September – 10h00, followed in the evening by a social starting at 17h00 with dinner served at 18h00 The newsletter is issued 10 days before the meetings and confirms the times, cost and type of meal - pot luck (normally) or catered. Council Newsletter The Saskatchewan Council issues a newsletter 5 times per year. It provides information to our members from the National Council, from the Health Care Committee concerning the Blue Cross Health Care Plan, and from the CN Pension meetings held four times per year. It also includes information from our local meetings and from pensioners/surviving spouses in our local communities that forward information to either our meetings or directly to the Newsletter Editor. The newsletter also keeps you up to date on the latest on savings on travel, reductions on automobile purchases, home/car/travel insurance, hotel stays, scholarships for children/grandchildren, etc. This newsletter goes to those who have signed up to the Saskatchewan council only and so, it is not available online. The newsletter can be received electronically by email and this is our preferred method as it saves the council mailing costs. As well, by choosing this option, you will receive the newsletter approximately five days earlier than via Canada Post and it will be in colour rather than a black and white mailed copy. To receive it electronically, you still must be a member in good standing. We currently have close to 500 pensioners/spouses that receive it by email. Our History The Saskatchewan CNR Pensioners Assoc. was founded in February 1985. In the words of Stan Plue, one of our founders... "When I retired in 1982, and after a year of talking with people I worked with, and associated with when working, I thought it would be a good idea if we had an organization where we could meet and visit. It became that 23 Pensioners formed the C.N.R. Pensioners Assoc. in Saskatoon in 1985. We had a lot of help from trades people on the C.N. but the person that made this all happen was Mr. Russ Pelesh who was the District Superintendent at the time, headquartered in Saskatoon". Our Founders Roy Armstrong Shirley Corbett Harold Harnett Bruce Kimpton Stan Plue Ken Uhrich Frank Atchison Ernie Dale Ted Holmes Alfonse Martin Stan Read Sid Wilkins Art Back Bob England Al Hockey Bob Mclay Reg Taylor George Wood Toby Cole Paul Fontaine Morley Hyland Lawrence Pattison Pete Telfer The Saskatchewan association then became affiliated with the National Council of Pensioners and now represent all the CN Pensioners in Saskatchewan under the name of "CNR Pensioners Assoc., Saskatchewan Division, Inc.", incorporated as a non-profit corporation in 2003.

belairdirect - Home, Auto, Travel insurance A World of Coverage and Convenience Awaits Experience the peace of mind that comes with comprehensive coverage and exclusive savings through belairdirect. Whether at home, on the road, or traveling abroad, belairdirect ensures you and your loved ones are well-protected. With all your insurance in one place, being covered has never been simpler. Simplify your insurance with an exclusive offer from belairdirect for CN Pensioners Reliable Car and Home Insurance Say hello to exclusive savings on car and home insurance. You need great coverage that can keep up with your schedule. Luckily, our official partner, belairdirect, has got you covered. We’ve teamed up with them to score special savings on insurance that’s tailored just for you, as a valued member of the CNPA. You’ll also enjoy exclusive access to enhanced home coverage with their Affinity Plus endorsement, and the option for great car insurance add-ons. Plus, you'll benefit from a suite of helpful digital tools that make managing your insurance and claims a breeze! It’s more than just a policy. When you get insurance through belairdirect, you’re also supporting the CNPA! Visit belairdirect.com/savings or call 1 833 887.4626 and mention our group name - CN Pensioners Association. Hassle-Free Travel Insurance Travel insurance made oh so simple. CNPA members can embark on unlimited adventures with annual travel insurance. With our exclusive group rates, often for less than single-trip coverage*, you could receive annual coverage for emergencies, trip disruptions, lost baggage, and more - all in one package. There's no age or health restrictions**, and you can choose from convenient monthly or annual payment options. Get your travel insurance price by visiting belairdirect.com/travel-groups or call 1 833 583.3643 and mention our group name - CN Pensioners Association. Eligibility requirements, limitations and exclusions may apply and/or may vary by province or territory. The information provided in this summary is for informational purposes only and should not be considered legal or insurance advice. Policy wordings prevail. © 2025 Belair Insurance Company Inc. All rights reserved. Travel insurance products are underwritten by Belair Insurance Company Inc. and services are provided by belairdirect Agency Inc. * Based on a comparison of 17-day Plan and 35-day Base Plan against single trip plans with similar benefits. ** This insurance may not cover claims related to medical conditions that are not stable, whether disclosed or not at time of policy purchase.

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Increased Pension to Age 65 Option If you retire before age 65, you may elect the increased pension to age 65 option (IPO). Under this option, you receive more from the CN Pension Plan before age 65 and less after age 65. If you choose this option, your increased CN pension will be reduced for life once you reach age 65. Your decision to elect or decline this option is personal and irrevocable. The following example illustrates how the IPO affects an employee retiring early at age 56 and 6 months on December 31, 2004: With IPO : Monthly Pension before Age 65 CN Basic Pension $2500 IPO Allowance $ 183 Total Monthly Pension $2683 Monthly Pension after Age 65* CN Basic Pension $2283 Without IPO : Monthly Pension before Age 65 CN Basic Pension $2500 IPO Allowance $ 0 Total Monthly Pension $2500 Monthly Pension after Age 65 CN Basic Pension $2500 * In this example, at age 65, the total CN monthly pension of $2,683 being paid is reduced for life by the fixed amount of $400 a month ($2,683 - $400 = $2,283). The increased pension to age 65 option is calculated so that the value of both options is, on average, the same. The amount of the IPO allowance reflects the age of the member at retirement, the applicable reduction of $400 at age 65, interest rates and whether the member retired early or on disability pension. Because survivor benefits are calculated using the CN basic pension amount, your decision to elect or decline the IPO will have no bearing on pension benefits which may become payable to your survivors.

Update for VIA Pass Holders For information about the VIA Pass and/or to replace your card, please call the CN Pension & Benefits Administration at 1-800-361-0739. Visit the VIA Rail site to book a trip. Identified Issue: Some passes no longer work within the new VIA reservation system Some old passes have initials instead of full first names VIA reservation system no longer accepts initials (November 2023) Guidance: For VIA pass holders who intend to travel , check their VIA pass and do the following: If the pass contains both the full first and last name of the pass holder, no action is necessary, and travel can be booked using VIA’s online system; If the pass contains only initials, contact CN Pension & Benefits Administration (1-800-361-0739) at least 4 weeks prior to travel to have a new pass issued. For those who do not intend to travel or if their current pass has the full spelling of their first and last name , no action is required. It is the member’s responsibility to create an online profile with VIA, and members should contact VIA customer service for any online issues at 1-888-VIA-RAIL (1-888-842-7245) Spring 2025 Update VIA modified the points program in the spring of 2025 - a decision made by VIA that CN did not have the ability to influence. Per VIA: Modification of the rules related to the accumulation of VIA Préférence points for reservations made with a VIA Rail pass by a CN or CP retiree/their spouse or dependents VIA Rail has standardized the rules related to points accumulation and tier qualification for all bookings made with a VIA Rail pass, so that they are aligned with the program’s general terms and conditions. This change was made as of April 3, 2025, and points accumulation and tier qualification rules for CN and CP retirees rail passes are as follows: Members who travel with a pass will earn points only when they pay a surcharge. The amount of the surcharge will be used to calculate the number of points to be credited. The amount paid for a surcharge during a given qualification period will be used to determine the member’s tier level. Impacted passes (Pass codes - Passholders): GB - CN active employees, their spouse and dependents GT - Grand Trunk employee, their spouse and dependents HB - CN retirees at the time of issuance, their spouse and dependents MB - CP retiree, spouse & dependents

Mountain Region Regional Council (E1) More details on the Mountain Region Regional Council can be found by visiting their website Council Executive Chairperson Dennis Jensen Vice Chairperson Gordon Wheatley Secretary Blake Olson Treasurer Al Vodden Regional Council Representatives Calgary - CN RailVets (E2) Judy Woods Edmonton - CN RailVets (E3) Cliff Gervais Kamloops/Okanagan (E4) Ross Rykyta Nanaimo (E6) Mike Englehart Victoria (E7) Gordon Wheatley Vancouver (E8) Judy Pearson Fraser Valley (E9) Steve Mihell Central & Northern BC (E10) Jeff Mohr National Council Representatives Vice-President/National Director (Mountain) Blake Olson National Director (Mountain) Dennis Jensen National Director (Mountain) Al Vodden National Director - Alternate (Mountain) Gordon Wheatley Pension Committee Blake Olson Pension Committee - Alternate Mike Englehart Health Care Committee Blake Olson Health Care Committee - Alternate MIchael Petrescu Communications Officer Steve Mihell Other Council Positions National Newsletter - Mountain Rae Sexton Government Liaison - Mountain Steve Mihell

The CN Pensioners Association National Council helps not only its membership but the regional and local councils. The National Council provides leadership in the areas of health care, pensions and scholarship as well as publishing a national newsletter. National Council The National Council consists of 17 Directors, 16 of which are elected - three (3) each elected by the five (5) regional/provincial councils plus one (1) elected from the Newfoundland provincial council. The final director is the CNPA Past President. The Executive Officers of the National Council are the President, a First Vice-President, four (4) Vice-Presidents (one from each regional/provincial council excluding the regional/provincial council which the First Vice President represents), a Treasurer, an Executive Secretary, a Membership Chair(s) and the Past President. Other roles of the National Council include, but are not limited to, the Health Care Chair, Communications Officer, Associate Co mmunications Officer, the Scholarship Chair and the Federal Government Liaison Officer. Details on positions and duties can be found in the CNPA Constitution and Bylaws. President/National Director (Prairie) - president@cnpensioners.org Bruce Anderson First Vice-President/National Director (Mountain) Blake Olson Executive Secretary - secretary@cnpensioners.org Ron Hewson Treasurer - treasurer@cnpensioners.org Ron Charles Vice-President/National Director (Atlantic) Earl Garland Vice-President/National Director (Quebec) Arthur Murphy St-Hilaire Vice-President/National Director (Ontario) Ron Hewson Vice-President/National Director (Prairie ) Joanne Gaborieau Past President/National Director Reg Hebert Membership Co-Chairs membership@cnpensioners.org Nancy Zajacz Peter Moloney National Director (Newfoundland & Labrador) Wayne Greenland National Director (Atlantic) John Bailey National Director (Atlantic) Bruce Peacock National Director (Quebec) Remi La Haye National Director (Quebec) Paul Goupil National Director (Ontario) Les MacDonald National Director (Ontario) Robert Haggart National Director (Prairie) Fred Bateman National Director (Mountain) Dennis Jensen National Director (Mountain) Al Vodden National Director - Alternate (Nfld. & Labrador) Graham Hill National Director - Alternate (Atlantic) Vacant National Director - Alternate (Quebec) Marc Tessier National Director - Alternate (Ontario) Ron Charles National Director - Alternate (Prairie) Patrick McMullin National Director - Alternate (Mountain) Gordon Wheatley Federal Government Liaison Officer fed.gov.liaison@cnpensioners.org Michael Matthews Communications Officer newsletters@cnpensioners.org Steve Mihell Associate Newsletter Editor Chantale Lauzon Health Care Chairperson healthcare@cnpensioners.org Blake Olson Scholarship Chairperson Reg Hebert Webmaster/IT Manager webmaster@cnpensioners.org George Rowan CNPA Constitution National By-Laws 2024 2023 2022 Annual Directors Meeting Summaries Pension Committee Health Care Committee Government Liaison Committee 2024 National Executive Left to right: Blake Olson, 1st Vice-President/VP Mountain; Reg Hebert , Past President; Bruce Anderson , National President; Joanne Gaborieau , VP Prairie; Ron Hewson , National Executive Secretary/VP Ontario; Ron Charles , National Treasurer; Nancy Zajacz , Membership Co-Chair; Peter Moloney , Membership Co-Chair; Earl Garland , VP Atlantic Region; George Rowan , Webmaster; John Bailey , Director Atlantic