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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 2025–2026 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 10/24/2025 Waterloo Region https://hhth.akaraisin.com/ui/WR25 11/07/2025 Halifax https://hhth.akaraisin.com/ui/HFX25 11/14/2025 Kingston https://hhth.akaraisin.com/ui/ygk25 11/14/2025 Markham https://hhth.akaraisin.com/ui/HHTHMarkham2025 11/20/2025 Calgary Y https://hhth.akaraisin.com/ui/hhthcalgary2025 11/28/2025 Vancouver Y https://hhth.akaraisin.com/ui/VAN25 12/05/2025 Winnipeg tbc https://hhth.akaraisin.com/ui/hhthwinnipeg2025 12/12/2025 York Region https://hhth.akaraisin.com/ui/YorkRegion2025 02/27/2026 Barrie https://hhth.akaraisin.com/ui/Barrie26 03/13/2026 Ottawa Y https://hhth.akaraisin.com/ui/HHTHOttawa2026 03/13/2026 Peel Region https://hhth.akaraisin.com/ui/Peel2026 03/27/2026 Montreal Y https://hhth.akaraisin.com/ui/HHTHMTL2026 04/10/2026 Hamilton/Burlington Y https://hhth.akaraisin.com/ui/HHTHHamBur2026 04/18/2026 Toronto (Men & Co-ed) Y https://hhth.akaraisin.com/ui/Toronto26 04/19/2026 Toronto (Women's) https://hhth.akaraisin.com/ui/GTAWomen26 05/01/2026 Edmonton Y https://hhth.akaraisin.com/ui/HHTHEdmonton2026 05/02/2026 London https://hhth.akaraisin.com/ui/LONDON26 05/07/2026 Newfoundland https://hhth.akaraisin.com/ui/NL 05/08/2026 Durham Region https://hhth.akaraisin.com/ui/Durham2026 05/22/2026 Saskatoon https://hhth.akaraisin.com/ui/Sask2025 05/28/2026 Okanagan https://hhth.akaraisin.com/ui/OKG26

Here's the latest information for pensioners about the broader CN Community. Information on volunteering, rail safety, the CN Community Fund and more is found here Our CN Community We're all part of the CN Community and we can contribute in many ways CN Employees’ and Pensioners’ Community Fund CN Employees’ and Pensioners’ Community Fund is a non-profit organization that organizes fundraising activities and annual campaigns in support of various Canadian charities Rail Safety Week Rail safety is a shared responsibility and we ask everyone to be especially careful when on or near railroad property and at crossings. Look, listen and live! That’s what it means to be rail smart! CN Corporate Site There's lots of information about CN found on the corporate site www.cn.ca . The latest CN news is found here And if you're interested, the CN 100 Celebration Commemorative book can be found here Volunteer In Your Community The 'CN Railroaders in the Community' (RRITC) program recognizes acts of kindness by providing grants to the not for profit organizations employees choose to support through their volunteer efforts. CN Spotlight Find out more about the people of CN each month in the 'CN Spotlight' magazine CN & Hockey Helps the Homeless CN has signed on as the Premier National Partner with the Hockey Helps the Homeless (HHTH) program, for three years, starting in 2024. You can help make it happen Terry Fox Run - September 14, 2025 This year's Terry Fox Run is set for September 14, 2025. Find out more details here and how you can contribute to its success

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 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

Website Credits, Terms & Conditions Image Credits All non-CNPA specific images are royalty free/licence free files sourced from image searches performed on the internet (or supplied by partners offering discounts and services to our membership). We have taken care to ensure, to the CNPA's best ability, that all photos are truly licence and royalty free based on our search criteria and terms and conditions listed on the internet sites used to obtain these photos. That being said, it is possible that an image may not fall into this category. Should this be the case, please immediately contact webmaster@cnpensioners.org to have the image removed from our site as soon as possible. Should this happen, we apologize in advance for this misuse of such an image. . Credits for the photos that are currently in use on cnpensioners.org - where not specifically CNPA sourced/owned - are listed below. Images used multiple times are listed only once, at the highest level of the website hierachy. 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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

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 will soon (2026) have a health plan available for those who were classed as 'defined contribution' members 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.

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.