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Calgary: CN Ra ilVets (E2) Council Executive President Judy Woods Vice President Brian Woods Treasurer Madeleine Pelletier Secretary Linda Engel Past President Brian Woods Director Roland Morin Membership Brian Woods Council Meetings When: First Monday of the month, September to June, 13h00 Where: Kerby Centre, 1133 7th Ave SW Newsletters June 2026 June 2025 June 2024 February 2026 February 2025 February 2024 October 2025 October 2024 October 2023

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

Moncton Council #1 (A7) Council Executive President Reg Hebert A7MonctonCouncil@cnpensioners.org 1st Vice-President John Bailey 2nd Vice President Earl Garland Secretary Treasurer Royce Girvan Recording Secretary Vacant Past President Vacant Advisory Kaye Bulmer Council Meetings When: Third Thursday of the month, September to June, 14h00 Where: Moncton No. 1 Council Centre, 1 Curry St., PO Box 23082, Moncton, NB E1C 9M9. Phone: (506) 383-7303

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.

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

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

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

Niagara Falls Council (C8) Council Executive President William Lindsay Vice-President David Kinghorn Treasurer Michael K. Gander Secretary Sylvester (Sy) Peplinski Membership Chair Sylvester Peplinski OPC Delegate (1) David Kinghorn OPC Delegate (2) William Lindsay OPC Alternate Delegate Vacant Council Meetings When: Third Monday of the month from September to June, excluding De cember, 14h00 Where: Royal Canadian Legion, Branch 479, 5603 Spring St. Niagara Falls, Ont. L2G 1P7. Telephone (905) 354-4331.

The CN Pensioners Association provides to members numerous offers related to your personal health, in partnership with Medavie Blue Cross. Health Care / Blue Cross Your health and well being is important to us. Whether you participate in the Health Care Plan for CN Pensioners (Blue Cross) or not, you may find information on this site useful in your personal life. Claims You have options to submit your claims quickly and easily - Online through eClaims, on a mobile app or by mail or in person. Workplace Injury The CN Pensioners Association is pleased to provide post-retirement guidance on illness, injuries or hearing loss which may be related to your career at CN. Manual, Rates & Forms The latest Blue Cross manuals and premium rates by province, as well as printable claim forms are available here Health Care Committee The team working for CN pensioners to secure the best services and options in the Health Care area Blue Cross Benefits The Blue Advantage program from Blue Cross offers a wide variety of product and services discounts that you may be eligible for as an enrolled Blue Cross member. Services for Seniors The federal and provincial governments provide a wide variety of services for seniors. Find out more here. Health Plan for Defined Contribution Retirees We have a Health Care Plan available for those who are classed as 'defined contribution' retirees Other Topics Blue Cross Travel Medical Insurance Quebec Health Care Options Mail Order Pharmacy Blue Cross - Making Contact If you have signed up for the CNPA Medavie Blue Cross Plan, and you have questions on coverage, administration of the plan, etc., here are the numbers to call: For questions about Enrolling, Changing Options, Cancellation of Coverage, Premium Rates, please call 1-866-660-7670. For questions about Payment of Claims, Definition of Benefits, Coverage Details, Obtaining Prior Approval For Certain Expenses, and to Obtain Claim Forms, please call 1-888-873-9200. You may also go to the Medavie Blue Cross Group Benefit website https://www.medaviebc.ca to obtain general information about your Plan and your current coverage, to view your claims and reimbursement history and to print generic claim forms. Need an income tax receipt, need to know if an item is covered under your plan or to take a look at the detailed history of your claims? You can now have that information and much more when you go online at https://www.medaviebc.ca in the 'For Plan Members' section. Follow the simple instructions on screen and in minutes you'll be online, in a secure environment, where you can consult important information about your Medavie Blue Cross Benefit Plan.

Toronto Council (C14) Executive Events Newsletters Photo Gallery Council Executive President Ron Charles c14TorontoCouncil@cnpensioners.org Vice President Wayne MacFarlane Secretary Vacant c14torontosecretary@cnpensioners.org Treasurer Nancy Zajacz c14torontotreasurer@cnpensioners.org Membership Chair Wayne MacFarlane c14torontomembership@cnpensioners.org Special Events Ron Charles, Nancy Zajacz, Aubrey Gill & Wayne MacFarlane Director Aubrey Gill Director Bob Haggart Director Lou J. Lisi OPC Delegate 1 Nancy Zajacz OPC Delegate 2 Ron Charles Alt OPC Delegate Lou Lisi Alt OPC Delegate 2 Vacant Council Events Newsletters July 2025 August 2024 October 2023 April 2025 June 2024 August 2023 October 2024 April 2024 May 2023 Photo Gallery 2024 Blue Jays 2024 Blue Jays 2023 Curling Day 2024 Blue Jays 1/9 Hover over picture for description

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.