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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

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.

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.

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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.

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.

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.

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

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

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

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.