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Ontario Provincial Council (OPC) (C1) Council Executive President Robert Haggart 1st Vice-President David Simpson 2nd Vice-President Ronald Hewson Secretary Roger McDevitt Treasurer Cathy Thomas Ontario Provincial Council Delegates Barrie Council (C2) Robert Haggart Barrie Council (C2) Gerry Lipnicky Belleville Council (C3) David Simpson Belleville Council (C3) Roger McDevitt Hamilton Council (C4) Maureen Smyth Hamilton Council (C4) Scott Montani Kingston Council (C6) David Delcloo Kingston Council (C6) Cathy Thomas Southwestern Ontario Council (C7) Ron Hewson Southwestern Ontario Council (C7) Bob Gallant Niagara Falls Council (C8) David Kinghorn Niagara Falls Council (C8) William Lindsay Ottawa Council (C9) Keith Goodhue Ottawa Council (C9) Mark Merriman Thunder Bay Council (C13) Larry Ezack Thunder Bay Council (C13) Jim Pudas Toronto Council (C14) Nancy Zajacz Toronto Council (C14) Ron Charles National Council Representatives Vice-President/National Director (Ontario) Ron Hewson National Director (Ontario) Les MacDonald National Director (Ontario) Robert Haggart National Director - Alternate (Ontario) Ron Charles Pension Committee Ron Hewson Pension Committee - Alternate Lou Lisi Health Care Committee Roger McDevitt Health Care Committee - Alternate Ron Hewson Federal Government Liaison Officer Michael Matthews Other Council Positions National Newsletter - Ontario Cathy Thomas Government Liaison - Ontario Robert Haggart OPC Scholarship Chairperson Les McDonald

Québec Provincial Council (B1) Council Executive President Arthur Murphy St. Hilaire Tel: (819) 820-2848 Vice-President Serge Labadie Tel: (514) 943-4618 Treasurer Rémi La Haye Tel: (514) 662-3283 Secretary François Garceau Tel: (418) 955-2469 Past President Yves Bourdon Tel: (450) 449-3444 Director Denise Arcand Tel: 450 686-9964 Director Marc Tessier Tel: (450) 656-7888 Québec Newsletters June 2024 November 2023 June 2023 January 2023 July 2022 February 2022 December 2021 October 2021 National Council Representatives Vice-President/National Director (Québec) Arthur Murphy St. Hilaire Tel: (819) 820-2848 National Director (Québec) Denis Cousineau Tel: National Director (Québec) Rémi La Haye Tel: (514) 662-3283 National Director - Alternate (Québec) Paul Goupil Tel: (418) 559-5737 Pension Committee Denis Cousineau Tel: Pension Committee - Alternate Denise Arcand Tel: 450 686-9964 Health Care Committee Paul Goupil Tel: (418) 559-5737 Health Care Committee - Alternate Charlotte Leblanc Tel: (514) 697-0459 Québec Provincial Council Constitution & By-Laws Other Council Positions National Newsletter - Québec Rémi La Haye Government Liaison - Québec Daniel Boiteau Auditor Denis Godin Auditor Denise Arcand Quebec Provincial Council AGM (via Zoom) - June 2023 Regional executives and delegates attending the 2023 AGM Row 1: Yves G Bourdon, Ronald Lang, Roger Bouchard, Marc Tessier, Luc Cullen Row 2: William Théberge, Robert Beaudoin, Rémi La Haye, Mario Michaud, Paul Goupil Row 3: Daniel Leroux, André Bériault, Jean Bédard, Charlotte Leblanc, Roger Marchand Row 4: Léopold Provencher and Claude Chartrand, Denise Arcand, Arthur Murphy St Hilaire, Denis Godin, Denis C Cousineau Row 5: François Garceau

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.

Hotel Savings The CNPA, in conjunction with CN, have secured discounted rates at a variety of hotels and locations worldwide to help you save when you travel. Discounts up to 20 % are available at participating hotels but note that not all brands within an offering may honour the discount codes. And as usual, the CNPA advises that it still pays to shop around as it may be possible to find lower rates elsewhere. Best Western With hotels across 19 brands (including Best Western, Glo and SureStay) in 100+ countries and territories. Best Western® is pleased to offer a special rate to CNPA members at participating hotels. The corporate discount code for CN/CNPA is 01344410. You receive a 19% discount when booking directly with the hotel at: http://www.bestwestern.com Choice Hotels More than 7000 hotels over 22 brands including Comfort Inn, Econolodge, Quality Inn and Radisson Choice Hotels are pleased to offer a preferred rate to CNPA members at participating hotels. You will save 15%, and possibly more, when booking directly with Choice Hotels at: www.choicehotels.com/?clientid=00064447 As well, new members enrolling in the Choice Privileges program will receive 1,000 bonus points. Enrol here ! World of Hyatt With more than 1250 locations across 28 brands including Grand Hyatt and Hyatt Regency Hyatt Hotels are pleased to offer a special rate to CNPA members at participating hotels. The corporate discount code for CN/CNPA is 90441 . You receive a 15 % discount when booking directly with the hotel at: https://www.hyatt.com/en-US/home IHG Hotels More than 6000 hotels over 19 brands including Holiday Inn, Holiday Inn Express and Crowne Plaza IHG Hotels are pleased to offer a special rate to CNPA members at participating hotels. The corporate discount code for CN/CNPA is 000279633. You receive a 14% or 17.5% discount when booking directly with the hotel at: http://www.ihg.com/ Wyndham Hotels More than 9000 hotels over 24 brands (including Days Inn, Super 8, Ramada and Microtel) and 95 countries. Wyndham Hotels are pleased to offer a special rate to CNPA members at participating hotels. The corporate discount code for CN/CNPA is 1000006067 . You receive a 18% discount when booking directly with the hotel at: https://www.wyndhamhotels.com/en-ca?corporate_id=1000006067

Barrie Council (C2) Barrie Council Facebook Page Council Executive President Bob Haggart 1st Vice-President Gerald Lipnicky 2nd Vice-President Ms Mae Harasymiw Secretary Linda Johnston Treasurer Wayne Eva Past President Charles Surgenor Membership Chair Gerald Lipnicky Newsletter Editor Gerald Lipnicky OPC Delegate (1) Bob Haggart OPC Delegate (2) Gerald Lipnicky OPC Alternate Delegate Peter Sudeyko Council Meetings When: Fourth Wednesday of the month, September to June Exceptionally, December meeting is held second Friday of December Where: Allandale Recreation Centre, 190 Bayview Dr, Barrie, ON L4N 4Y8

South West (Port aux Basque) (A8) Council Executive President Charlie Matthews 1st Vice President Manuel Baker 2nd Vice President Vacant Secretary Marie Dominie Treasurer Nancy Osmond

Quebec Health Care Options Effective January 1, 2022, the Health Care Plan for CN Pensioners no longer offered health care coverage for Quebec pensioners under the age of 65. However, the Régie de l'assurance maladie du Québec (RAMQ) has advised that CN Quebec Pensioners under the age of 65 are eligible to join RAMQ's Public Prescription Drug Insurance Plan (RAMQ's Plan) as of January 1, 2022, which may provide significant premium savings to you. Why This Change In 2019, RAMQ reviewed the participation terms for the Health Care Plan for CN Pensioners and thereafter revised the eligibility requirements to join RAMQ's Plan. Understanding the potential for premium savings under RAMQ's Plan, the CNPA decided to cancel access to the Health Care Plan for CN Pensioners to allow unrestricted potential access to RAMQ's Plan. Of course, under provincial regulations, Quebec pensioners under age 65 cannot opt for RAMQ's Plan if they are eligible for another private group benefits plan that covers prescription drugs. About RAMQ's Plan and Rules In Quebec, all residents are required to have prescription drug coverage. Coverage is available through RAMQ's Plan or through private group benefits plans provided by an employer or association. If you have access to a private group benefits plan that covers prescription drugs, you must be covered by that plan. Your spouse and dependent children must also be covered by that plan if they are under 65. At age 65, all Quebecers are automatically registered for RAMQ's Plan, and you have the choice to be covered by that plan only, by a private group benefits plan that covers prescription drugs or a combination of both. RAMQ provides Comprehensive Drug Coverage - Lower Premiums - Premiums paid directly through income taxes Joining RAMQ is easy. Registration can be completed by: Telephone at 1-800-561-9749, or Online at http://www.ramq.gouv.qc.ca/en/citizens/prescription-drug-insurance What happens if I am over 65 when I retire or will be turning 65 The Health Care Plan for CN Pensioners has been maintained and is available for those who are over age 65 where different rules apply. Eligible CN Pensioners and their spouses will have the option to join the Health Care Plan for CN Pensioners (or stay in the RAMQ's Plan at that time or both). This would be a one-time choice you will have to make when you reach age 65, and you should receive communication from CN Pension & Benefits Administration (1-800-361-0739) in advance of your 65th birthday or with your retirement package after 65. To see the CNPA Health Care Plan coverage and Premium rates in advance, please see the information found elsewhere in the Health Care section. Optional Extended Health Care Coverage As RAMQ's Plan only covers prescription drugs that are listed on the RAMQ formulary, you may choose to buy an optional individual extended health care coverage available from various National or Quebec insurance providers to meet your additional needs. You may also click on these links to see examples of available optional coverage, but you may choose any insurance provider that meets your needs. Blue Cross Health -> Insurance for retirees and those planning retirement Mercer Retiree Solutions -> Plan Overview - Rate Sheet - and to apply click here

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.

Conseil de Montréal / Laval (B7) Council Executive Président Claudette Hudon Tel: (514) 481-2618 Vice-président Denis Godin Tel: (450) 628-1066 Secrétaire Céline Rousseau Tel: (514) 516-8941 Trésorier Rémi La Haye Tel: (514) 662-3283 Directeur Wilson Martial Tel: (450) 449-1454 Council Meetings When: Every Tuesday, September to June, from 08h00 to 14h00 Where: Notre-Dame du Sacré-Coeur Church basement, 7671 Rue Édouard, LaSalle, QC H8P 1T3 (free parking at the back of the church) What: Free coffee & snacks, pizza or chicken from the restaurant on the 2nd Tuesday of the month (free if you arrive before 10h45), all members are bilingual Activities: billiards, snooker, social poker, darts, cribbage, dice games More infomation: Rémi La Haye 514-662-3283

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.

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.

Ottawa Council (C9) Ottawa Council Facebook Page Council Email: retiredrremployees@gmail.com Council Executive President Ken DeJean 1st Vice-President Mel Creighton Secretary Lawrence Mask Treasurer Serge Poulin OPC Delegate (1) Serge Poulin OPC Delegate (2) Ken DeJean Alt OPC Delegate Wally Goldberg Alt OPC Delegate Lawrence Mask Membership Chair Lawrence Mask Council Meetings When: Fourth Monday of the month from September to May, excluding December Where: Canterbury Community Centre, 2185 Arch St, Ottawa, Ontario.