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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.

Rail Safety Week 2024 Help CN to Spread the Rail Safety Message Held annually in September, Rail Safety Week is a great opportunity to inform the public about the importance of rail safety and the risks of trespassing and not obeying signs and signals at grade crossings. This year, Rail Safety Week 2024 will be held in Canada, the United States and Mexico from September 23-29. Operation Lifesaver, and its partners, created Rail Safety Week in 2003 to raise public awareness of the potential dangers at railway crossings and from trespassing on railway property. Since then the momentum has grown and together with our partners at Operation Lifesaver, CN will join forces again this year to promote public rail safety in communities throughout our network across North America. Join our CN Rail Safety Week team! Rail Safety Week is just around the corner and we need your help to ensure it's a success! Why get involved? Your experience, insight, and commitment can truly make a difference in promoting safety around railway tracks and crossings. By volunteering with us, you'll play a crucial role in educating others about safe practices and raising awareness about the importance of rail safety. Here's how you can contribute: Volunteer: Join our team of dedicated volunteers during Rail Safety Week. Whether it's distributing educational materials, assisting at events, or engaging with the community, your participation will be invaluable. For a list of specific events being organized in your area, please email rsw@cn.ca Make a presentation: Your firsthand experiences can resonate deeply with others. Consider sharing your insights on why rail safety matters to you. Your voice can inspire others to take action and prioritize safety. Sign the pledge: Pledge to be safe around tracks and trains by visiting www.cn.ca/railsafety and signing the online pledge. Encourage your families and communities to do the same. Together, we can reach more people and make our communities safer places to live, work, and play. Your involvement can make a significant difference in preventing accidents and saving lives. Let's work together to ensure that everyone understands the importance of rail safety. For more information, please email rsw@cn.ca . The list of 2024 Rail Safety Week events, including dates, locations and CN contacts, in Canada and the U.S. can be found here Janet Drysdale Vice-President, Public, Government & Regulatory Affairs Rail Safety Tips Stephen Covey Chief of Police and Chief Security Officer

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

Holo Alert 24/7 Medical Alert Protection Stay Safe Anywhere with Holo Alert — Exclusive Offer for CN Pensioners Holo Alert is one of Canada’s top-rated medical alert providers, trusted by thousands of Canadians to stay protected at home and on the go. Choose from three discreet, easy-to-use devices designed to get you help when you need it most: Choose Your Protection: Holo Pro Pendant - Lightweight neck-worn pendant with an optional clip for belt or pocket wear. Holo Mini Pendant - Compact and discreet, worn on the wrist for everyday comfort and ease. Holo Smartwatch - Sleek and modern with built-in heart rate and activity monitoring. All Devices Include: WiFi & GPS Tracking – So emergency responders know exactly where you are Two-Way Voice – Speak directly with trained Canadian operators Fall Detection – Automatically calls for help if a fall is detected Emergency Button – One press connects you to support instantly Water-Resistant – Safe to wear in the shower or outdoors Exclusive Benefits for CNPA Members**: FREE Device (up to $300 value) 10-Day Risk-Free Trial – Try it with confidence 20% Off Monthly Monitoring – Save $10–15/month on 24/7 GPS + Fall Detection services ** - To qualify, simply provide a photo of your CNPA membership card (showing your name and PIN). Ready to Order or Have Questions? Contact Matthew Toth at mtoth@holoalert.ca or call (888) 411-4656 . Visit www.holoalert.ca to learn more.

The CN Pensioners Association umbrella of councils offers many scholarship opportunities to eligible students across Canada Scholarships & Bursaries CNPA National Scholarships The CNPA National Council offers 25 scholarships of $1500 across Canada on an annual basis. The scholarships are distributed across the country: five scholarships in each of the 5 Canadian regions (Atlantic, Quebec, Ontario, Prairie, and Mountain). Children, grandchildren and great-grandchildren of CNPA contributing members get access to this program 2025 Scholarship Winners Additional Regional CNPA Scholarships & Bursaries Maritime Scholarship Awards The Atlantic Region council is pleased to offer an additional 3 scholarships of $1500 for grandchildren and great-grandchildren sponsored by contributing members of the CNPA who reside in New Brunswick, Nova Scotia or P.E.I. Those interested should apply through the CNPA National Council Scholarship program . All National program rules and criteria apply to this award. CNPA Quebec The CNPA of Quebec is pleased to sponsor a CNPA Trade scholarship - the Luc Grenier Trade Bursary. CNPA Ontario The Ontario Provincial Council is pleased to sponsor an additional scholarship in addition to the 5 scholarships offered by the CNPA for the Ontario region Moncton Council #1 Moncton Council continues to fund two additional $1500 scholarships for grandchildren and great-grandchildren of sponsors who are contributing members of Moncton Council #1. Those interested should apply through the CNPA National Council Scholarship program All National program rules and criteria apply to this award. Montréal/Laval Council The Montréal/Laval Council offers an additional Luc Grenier Trade Bursary to grandchildren and great-grandchildren of sponsors who are contributing members of Montréal/Laval council. Those interested should apply through the Luc Grenier Trade Bursary program CNPA Man itoba The CNPA of Manitoba is pleased to sponsor two bursaries - the Harvey Hosfield Bursary and a CNPA Trade Bursary. Details are found on the CNP A of Manitoba website . The most recent bursary winners are found here Additional Non-CNPA Scholarships & Bursaries belairdirect Insurance Our partner - belairdirect Insurance - offers scholarship opportunities to students who are children or grandchildren of contributing members of the CN Pensioners Association

belairdirect Insurance Scholarship Program April 30 to June 30, 2026 Our partner belairdirect Insurance is once again proud to offer 50 scholarship opportunities - valued at $1000 each - to eligible applicants starting post-secondary education in the fall of 2026. At belairdirect, they understand the challenges faced by students during their pursuit of higher education, and are proud to offer these scholarships to help them achieve their dreams. The scholarships are offered to belairdirect's valued partner network, of which the CNPA is a member. To apply, "CNPA applicants" must be: a resident of a province or territory of Canada; completing high school in 2026 have a minimum cumulative average of 80% over the last three terms of available marks enrolled in an undergraduate program on a full-time basis for the 2026-2027 academic year at a recognized publicly funded Canadian post-secondary institution or CEGEP (if living in the province of Quebec) a child or grandchild of a contributing member of the CNPA - the member does NOT have to hold a policy with belairdirect in order for their child/grandchild to apply Application Deadline: June 30, 2026 To learn more about this exciting program, visit https://www.belairdirect.com/en/scholarship.html , or if you require further information, please call Universities Canada toll free 1 844 567.1237 or email scholarshipfund@belairdirect.com .