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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

Blue Cross Travel Medical Insurance The CNPA Health Plan DOES NOT provide any coverage for expenses or services incurred outside Canada. However, your local Blue Cross office may provide a discount if you buy individual Travel Medical Insurance from them and indicate that you are a Blue Cross Plan member. The potential discount varies by province and region and may or may not include other specific discounts. In some cases, your local Blue Cross office may offer the first 15 days complimentary when you buy 16 days or more of individual Travel Medical Insurance. Please contact the following local Blue Cross offices to inquire about individual Travel Medical Insurance and any potential discounts. Ontario, Quebec and Atlantic Provinces – Blue Cross Travel Insurance Monday to Friday between 8AM and 5PM Eastern Time 514-908-3493 or toll free at either 1-888-905-3493 or 1-888-857-2583 https://www.medaviebc.ca/en/plans/travel Manitoba Blue Cross Travel Insurance 204-775-0151 or 1-888-596-1032 https://www2.mb.bluecross.ca/plans/travel-plans Saskatchewan Blue Cross Travel Insurance Monday to Friday, 8:30 a.m. to 5 p.m. 1-800-667-6853 https://www.sk.bluecross.ca/personal-insurance/travel-insurance/ Alberta Blue Cross Travel Insurance Monday to Friday, 8:30 a.m. to 5 p.m. 1-800-394-1965 https://www.ab.bluecross.ca/plans/travel/travel-insurance-coverage.php Pacific Blue Cross Travel Insurance Monday to Friday, 8:30 a.m. to 5 p.m. 1-877-722-2583 https://www.pac.bluecross.ca/travel-insurance

National & Provincial Services for Seniors The federal and provincial governments provide a wide variety of services for seniors. Click on the links below to find out more details Federal Canada Pension Plan (CPP), Old Age Security (OAS), Guaranteed Income Supplement (GIS), Pension Splitting, Dental Services, etc. Newfoundland & Labrador Seniors Low Income Supplement, Accessible Vehicle Funding, Drug Assistance plan for low income residents, Disabled Persons benefits Nova Scotia Seniors Pharmacare, Age Tax Credit, Affordable Living Tax Credit Quebec Flu Vaccination, Some Hearing and Visual Aid Devices, Eye Exams, Physical Deficiency Devices, Shelter Allowance Program, Tax Credits for Home Services Manitoba Adult Learning, Palliative Care Drug Access Program Manitoba Income Supplement, Rent Assist, Manitoba Family, Personal and Caregiver Tax Credits, Seniors School Tax Credit, Geriatric Programs, Seniors Eyeglass Programs and Exams, Pharmacare, Cancer Drug Program, Manitoba Emergency Repair Program for Homeowners, Free Fishing License Alberta Alberta Seniors Benefit Income Supplement Program, Special Needs Assistance, Dental & Optical Assistance, Property Tax Deferral Program, Home Adaptation & Repair Program, Aids to Daily Living, Prescription Drug & Extended Health Care coverage for seniors (Alberta Blue Cross) Prince Edward Island Property Tax Deferral, Seniors Home Repair Program, Adult Immunizations New Brunswick Low Income Seniors Benefit, Property Tax Deferral Program, Drug Plan for Seniors, Low Income Energy Savings Program, Health Services Program Ontario Property Tax Grant – Senior/Disabled Property Tax Relief, Low-Income Energy Assistance Program, Disability Home and Vehicle Modification Program, Colon Cancer Check, Immunizations, Eye Exams, Ontario Drug Benefit Program, Diabetic Testing Agents, Assistive Devices Program Saskatchewan Sask. Drug Program, Seniors Income Plan, Care at Home and Outside the Hospital, Rental Housing Assistance, Personal Home Care Benefit, Palliative Care Drug Program British Columbia Property Tax Deferral Program, Pharmacare Drug Program, Seniors Property Tax Rebate, Discounted BC Ferries, Transit Fees, Home Adaptation Grants, Medical Travel Assistance, Immunizations, Home Renovation Credit

Manitoba Division #1 (D3) Visit the CN Pensioners of Manitoba website for more information and the latest updates CN Pensioners of Manitoba Facebook Page Council Executive President Patrick McMullin Vice-President Dennis Brown Secretary Patrick McMullin Treasurer Bruce Anderson Past President John Mozol National Council Representatives President/National Director (Prairie) Bruce Anderson National Director (Prairie) Joanne Gaborieau National Director - Alternate (Prairie) Patrick McMullin Pension Committee Bruce Anderson Pension Committee - Alternate (Prairie) Joanne Gaborieau Health Care Committee Joanne Gaborieau Other Council Positions National Newsletter - Prairie Mark Barda Provincial Government Liaison - Manitoba Albert Delbaere Membership Chair Joanne Gaborieau Publicity Mark Barda Special Events Ernie Yakiwchuk Webmaster Janet Lewis Anderson Outreach Rose Chapman Hospitality Dennis Brown Member-At-Large Jim Feeny, Carson Hull

Kingston & Brockville Council (C6) Council Executive President David Delcloo Vice-President Keith Heller Secretary David Delcloo Treasurer Cathy Thomas Membership David Delcloo OPC Delegate (1) David Delcloo OPC Delegate (2) Cathy Thomas OPC Delegate Alternate Vacant

The CN Pensioners Association helps members with all matters related to their pension, with a dedicated pension committee leading the way. Your Pension For all pensioners receiving their pension cheques through the mail: Due to the potential for a Canadian postal strike, possibly as soon as May 22, 2025, CN has advised there will be no mail or courier delivery of pension cheques until such time as that potential strike is resolved. As per CN's advice in a letter that accompanied your November, 2024 pension cheque, their offer of an alternate delivery by courier was limited to the months thought to be impacted by the original strike (Nov, Dec & Jan) There is now a second letter coming to each of you, in the mail, advising that no courier arrangements will be provided this time, and all pension cheques will be retained, and then mailed out after the strike is resolved. Both letters (available below) included instructions and advice on how to sign up for a direct deposit alternative for these cheques, through CN Pension and Benefits at 1-800-361-0739. Our CN pension is the one thing that is common across CNPA members. You'll find more information about our pensions below CN Pension Inquiries The CNPA is not the administrator of your pension. For matters/questions directly related to your pension benefits, including change of address , changes in marital status, deceased pensioners, etc ., you need to contact CN Pensions & Benefits Administration. You may be able to use the web portal below, or you can call or write: By phone (have your PIN ready) : Toll-free from Canada & US only: 1-800-361-0739 Local & International: 1-514-673-7730 (Collect calls accepted ) By mail to : CN Pension & Benefits Admin P.O. Box 8111, Montreal, PQ, H3C 3N3 By fax: 1-514-284-7488 CN Pension & Benefits Portal The CN Pensions & Benefits portal is here to help manage your company pension Increased Pension to Age 65 If you retire before age 65, you may elect to receive an increased monthly pension until age 65 Death of a Pensioner When a pensioner dies, there are some key activities that need to be completed. Pension Committee The team working for CN pensioners to secure the best services and options in the Pension area Post Retirement Life Insurance The CNPA, in conjunction with CN Pension & Benefits Administration, has developed a set of Questions & Answers which provides some information on this insurance and the claim process.

About the CN Pensioners Association Who We Are The purpose of the CN Pensioners Association (CNPA) is to represent the needs of all retired CN employees. Our objective is to protect your interests, financial and otherwise, regarding your pension, your benefits and support and enhance your social interests and activities. The CNPA was established over 40 years ago but we continue to evolve over the years, changing with the times. As a group, we are active in the communities we live in. We proactively advocate governments on Seniors' issues. We are an equal partner, along with the unions and CN, on the CN Pension Committee, ensuring our pensions are funded and improved over time. When sufficient funds are available we propose to the CN Board of Directors, for its consideration, pension improvements for our pensioners and also recommend modifications to the Pension Plan rules to the CN Board of Directors for review and approval. We have an important role in monitoring and communicating matters relating to the funding of our pensions and other pension matters. With over 25,000 pensioners across the country, the CNPA wants to ensure you stay connected, have access to a wide variety of benefits, and have a place to connect with your former colleagues and to meet new friends. All this is managed by dedicated volunteers from every corner of the country. Despite popular belief, we are not just a group of old fogies who sit around playing pinochle. Our CNPA members are involved and active in the communities they live in, in volunteer efforts, recreation and leisure activities. We work with external partners to provide a variety of benefits, including insurance and travel discounts. While CN Pension & Benefits Administration (1-800-361-0739) is the primary contact for your specific defined benefit pension plan issues, you or your spouse can also direct your or concerns about pension provisions, your benefits, changes, etc. to an executive member at any level. We will point you in the right direction for answers on issues affecting your retirement. We are just a call or email away. About Our Organization The CN Pensioners Associations Inc. is a volunteer run, tri-level association, each with their own constitution and by-laws. The Association is comprised of: A National Council whose main role is to: Assist in forming associations of CN pensioners where a sufficient number are located and desire such association, To provide and be the liaison between these associations and the management of Canadian National Railway Company, Promote and protect the social economic and fraternal interests of all CN pensioners. Five Regional/Provincial Councils whose main role is to: Assist in forming associations of CN pensioners where a sufficient number are located and desire such association, Promote and protect the interests of all retired CN employees in their respective Regions/Provinces, including all pensioners and their spouses formerly connected with CN e.g. VIA Rail, Marine Atlantic and other Affiliates, to provide the proper liaison between CN pensioners and the Officers of CN in these respective Regions/Provinces. Act as an advisory body to assist Local Councils in problem solving. Over 30 local councils strategically located across the nation whose main role is to promote and protect the interests of all retired CN employees in their respective geographical locations, including all pensioners and their spouses formerly connected with CN e.g. VIA Rail, Marine Atlantic and other Affiliates.

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

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 A2: Campbellton 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 Winter 2025 Summer 2025 Spring 2025 Winter 2024 Summer 2024 Spring 2024 Winter 2023 Summer 2023 Spring 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. Test Hidden

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? N o. 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.

Sydney Council #6 (A10) Council Executive President Donald McKenna Vice President Vacant Secretary/Treasurer Alexander (Sandy) Jackson Social Committee John Morrison