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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

Ontario Provincial Council Scholarship In addition to the 5 National awards of $1500.00 each for the Great Lakes Region, the Ontario Provincial Council (OPC) is offering an additional scholarship of $1500.00, available to eligible applicants. The OPC scholarship program will follow the same rules, procedures and dates as the National Program and will be awarded to the sixth winning Great Lakes Region scholarship applicant. The 2025 award winning OPC applicant will be eligible to re-apply for the 2026 National Scholarship and a National winning scholarship applicant may apply for the 2026 OPC program. Unsuccessful qualified applicants may re-apply for either subsequent program.

CNPA Pension Committee Atlantic Representative Wayne Greenland Quebec Representative Denis Cousineau Ontario Representative Ron Hewson Prairie Representative (National Co-chair) Bruce Anderson Mountain Representative Blake Olson Union Appointed Representative Guy Scarrow Atlantic Alternate John Bailey Quebec Alternate Denise Arcand Ontario Alternate Lou Lisi Prairie Alternate Joanne Gaborieau Mountain Alternate Mike Englehart Union Appointed - Alternate Ron Shore Annual Directors Meeting Pension Report 2023

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.

Rail Safety Week 2024 Help CN to Spread the Rail Safety Message Held annually in September, Rail Safety Week is a great opportunity to inform the public about the importance of rail safety and the risks of trespassing and not obeying signs and signals at grade crossings. This year, Rail Safety Week 2024 will be held in Canada, the United States and Mexico from September 23-29. Operation Lifesaver, and its partners, created Rail Safety Week in 2003 to raise public awareness of the potential dangers at railway crossings and from trespassing on railway property. Since then the momentum has grown and together with our partners at Operation Lifesaver, CN will join forces again this year to promote public rail safety in communities throughout our network across North America. Join our CN Rail Safety Week team! Rail Safety Week is just around the corner and we need your help to ensure it's a success! Why get involved? Your experience, insight, and commitment can truly make a difference in promoting safety around railway tracks and crossings. By volunteering with us, you'll play a crucial role in educating others about safe practices and raising awareness about the importance of rail safety. Here's how you can contribute: Volunteer: Join our team of dedicated volunteers during Rail Safety Week. Whether it's distributing educational materials, assisting at events, or engaging with the community, your participation will be invaluable. For a list of specific events being organized in your area, please email rsw@cn.ca Make a presentation: Your firsthand experiences can resonate deeply with others. Consider sharing your insights on why rail safety matters to you. Your voice can inspire others to take action and prioritize safety. Sign the pledge: Pledge to be safe around tracks and trains by visiting www.cn.ca/railsafety and signing the online pledge. Encourage your families and communities to do the same. Together, we can reach more people and make our communities safer places to live, work, and play. Your involvement can make a significant difference in preventing accidents and saving lives. Let's work together to ensure that everyone understands the importance of rail safety. For more information, please email rsw@cn.ca . The list of 2024 Rail Safety Week events, including dates, locations and CN contacts, in Canada and the U.S. can be found here Janet Drysdale Vice-President, Public, Government & Regulatory Affairs Rail Safety Tips Stephen Covey Chief of Police and Chief Security Officer

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 Latest Promotion 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. September 2025 Promotion As a season comes to an end, we often reflect on some of our favourite moments. And it’s the sounds that stay with us: the laughter echoing from a patio, a favourite song humming from the radio, or the rustle of leaves in a gentle breeze. These sounds become bookmarks in our personal story, reminding us of the joy, connection, and serenity that a certain moment so effortlessly delivers. Stay connected to your favourite sounds with better hearing. For a limited time, save up to $1,700 on the latest hearing aids. Plus, CNPA members and family save an EXTRA 10%! Call 1-888-320-7699 to book your free appointment or visit HearingLifeAdvantage.ca.

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) Myron Wizniak Nanaimo (E6) Mike Englehart Victoria (E7) Gordon Wheatley Vancouver (E8) Judy Pearson Fraser Valley (E9) Barry Jones 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 Other Council Positions National Newsletter - Mountain Rae Sexton Government Liaison - Mountain Steve Mihell

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 Baxter William Steven 10/31/2025 C2 Barrie Council Heft Shannon 10/31/2025 C4 Hamilton Council Leblanc Leonard 10/31/2025 A7 Moncton Council #1 Wheaton Ted 10/31/2025 D3 Manitoba Division #1 Cormier Alonzo 10/30/2025 A7 Moncton Council #1 Giles Edwina N 10/30/2025 A9 St. John's Branch Janssen Gerard 10/30/2025 B7 Conseil Montréal / Laval Lepine Colombe 10/30/2025 C9 Ottawa Sass Helena 10/30/2025 E3 Edmonton: CN RailVets Carra Giulio 10/29/2025 B7 Conseil Montréal / Laval Dunn Elsie May 10/29/2025 B14 Conseil de la Rive-sud-de-Montréal / Laurentides / Lanaudière Gurdibaniuk Johanna 10/28/2025 D3 Manitoba Division #1 Gladu Andy 10/27/2025 F2 National Council Gordon Nancy Iola 10/27/2025 C7 SW Ontario Council Morash Muriel P 10/27/2025 A7 Moncton Council #1 Page Elizabeth 10/27/2025 C2 Barrie Council Harris Gordon S 10/26/2025 C2 Barrie Council Leger Jean E 10/26/2025 F2 National Council Robinson Neville 10/26/2025 D2 Saskatchewan Council Gingras Madeleine 10/25/2025 B9 Conseil québécois Marrington Graham 10/24/2025 C3 Belleville Council Meaney Thomas 10/24/2025 A9 St. John's Branch Olson Margaret 10/24/2025 A9 St. John's Branch Huculak Helen 10/23/2025 D2 Saskatchewan Council Paquin Pauline 10/23/2025 B7 Conseil Montréal / Laval Pearce Ronald E 10/23/2025 E3 Edmonton: CN RailVets Provencal Carmel 10/23/2025 B9 Conseil québécois Reese Madeline 10/23/2025 C7 SW Ontario Council Briones Julian 10/22/2025 D3 Manitoba Division #1 Nelson Leonard 10/22/2025 D3 Manitoba Division #1 Nepveu Laurette 10/22/2025 B7 Conseil Montréal / Laval Anderson Muriel Millicent 10/21/2025 E3 Edmonton: CN RailVets Crook Glennine 10/21/2025 E4 Kamloops Council Byram Stanley 10/20/2025 C2 Barrie Council Gillingham Sharon 10/20/2025 C2 Barrie Council Powell James 10/20/2025 E3 Edmonton: CN RailVets Amesbury Cliff B 10/19/2025 E9 Fraser Valley Council Korol Lorraine 10/19/2025 E3 Edmonton: CN RailVets Pambrun John 10/19/2025 D2 Saskatchewan Council Knox Alice 10/18/2025 C3 Belleville Council Widawski Les 10/18/2025 C2 Barrie Council Ackerman James 10/17/2025 E3 Edmonton: CN RailVets Miller John 10/17/2025 D3 Manitoba Division #1 Petronzi Bernardino 10/17/2025 C14 Toronto Council Umpherville Dean 10/17/2025 E3 Edmonton: CN RailVets Bouliane Andre 10/16/2025 B14 Conseil de la Rive-sud-de-Montréal / Laurentides / Lanaudière Bulpit John 10/16/2025 C14 Toronto Council Dupont Jeanne 10/16/2025 B14 Conseil de la Rive-sud-de-Montréal / Laurentides / Lanaudière Fitzmaurice Kenneth 10/16/2025 D3 Manitoba Division #1 Gaudet Leonard 10/16/2025 A7 Moncton Council #1 Page 1 of 173

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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.

Terry Fox Run - September 14, 2025 Thank you to those CN Pensioners who represented CN at last year’s Terry Fox Run. On September 15, 2024, nearly 300 CN employees, retirees, and family members took part in six runs across Canada, raising over $16,500 for cancer research. This was part of CN’s $1 million commitment over three years to help fund life-saving research and innovation. In 2023–24 alone, the Terry Fox Foundation directed $43.9 million to cancer research, supporting over 170 projects and nearly 600 researchers. Definitely something to be proud of! This year’s run - the 45th annual - takes place on Sunday, September 14, 2025 across Canada! As we look ahead to this year’s events, we invite more of you to get involved. Team CN has started recruiting for these sites: Montreal: https://run.terryfox.ca/team/equipecnteammontreal Toronto: https://run.terryfox.ca/team/teamcntoronto Barrie: https://run.terryfox.ca/team/teamcnbarrie Prince George: https://run.terryfox.ca/team/teamcnprincegeorge Edmonton: https://run.terryfox.ca/team/teamcnedmonton Winnipeg: https://run.terryfox.ca/team/teamcnwinnipeg Join the movement, register for a team or donate to your local run. Let’s keep Terry’s dream alive—together