Common use of Non-occupational Accident and Sickness Insurance Clause in Contracts

Non-occupational Accident and Sickness Insurance. a. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-two percent (62%) of the employee’s regular job rate to the maximums in the following table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeon, except that in those cases of non-occupational sickness which result in the claimant being hospitalized, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. b. Maximum Weekly Indemnity Benefits Payable c. Each of the hourly job rates in the above table is defined as the straight time rate of the employee's regular job, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basis. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) months, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least fifteen (15) weeks of benefits or until the employee is no longer disabled or retires, whichever comes first. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (100%) of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of sixty-four (64) will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three (3) months No Premium

Non-occupational Accident and Sickness Insurance. a. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-sixty two percent (62%) of the employee’s regular job rate to the maximums in the following table. Note: All these Increases to Health and Welfare benefits take place on the date of ratification, October 4, 2012. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-non- occupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeonsickness, except that in those cases of non-non- occupational sickness sickness, which result results in the claimant being hospitalizedhospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-fifty two (52) weeks during any one period of disability. b. Maximum Weekly Indemnity Benefits Payable c. Each . Where the employee recovers an amount from a liable third party for loss of income as a result of the hourly job rates in same accident or illness, they must reimburse the above table is defined as the straight time rate Plan once they have received 100% of the employee's regular job, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basistheir gross wages lost. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) months, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-five (65) 65 will continue until the employee has received at least fifteen (15) weeks of benefits benefits, or until the employee is no longer disabled or retires, whichever comes first. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (have received 100%) % of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of sixty-four (64) 64 will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three (3) months No Premiumpremium The Weekly Indemnity Plan will provide benefits for loss of time as a result of attempted suicide under the Plan Provisions covering other mental illnesses. Coverage shall also include injury disability arising from attempted suicide.

Non-occupational Accident and Sickness Insurance. a. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-two percent (62%) of the employee’s regular job rate to the maximums in the following table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeon, except that in those cases of non-occupational sickness which result in the claimant being hospitalized, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-fifty two (52) weeks during any one period of disability. b. Maximum Weekly Indemnity Benefits PayablePayable WI Cap - February 17, 2018 $1,000.00 per week July 1, 2018 $1,020.00 per week July 1, 2019 $1,050.00 per week July 1, 2020 $1,080.00 per week c. Each of the hourly job rates in the above table is defined as the straight time rate of the employee's regular job, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basis. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) months, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least fifteen (15) weeks of benefits or until the employee is no longer disabled or retires, whichever comes first. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (100%) of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of sixty-four (64) will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three (3) months No Premium

Non-occupational Accident and Sickness Insurance. a. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-two percent (62%) of in accordance with the employee’s regular job rate to the maximums in the following tableTable. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeonsickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalizedhospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. b. Maximum . Payment of Weekly Indemnity Benefits Payable c. Each benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits for loss of time as a result of attempted suicide under the hourly job rates in Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the above table is defined as the straight time rate of the employee's regular jobinitial waiting period, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basisfor any subsequent lost time. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall Effective May 1, 1998, benefit payment will not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) monthsmade beyond age 65 and in all cases, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least fifteen (15) weeks of benefits or until the employee is no longer disabled or retires, whichever comes firstcease on recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (100%) % of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of sixty-four (64) 64 will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three (3) months No PremiumPremium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.

Non-occupational Accident and Sickness Insurance. a. The Welfare Plan will include Non-occupational Occupational Accident and Sickness Insurance that will provide a benefit of sixty-two sixty percent (6260%) of the employee’s regular job rate to the maximums in the following table. Date of Ratification $750.00 per week May 1, 2009 $800.00 per week May 1, 2010 $820.00 per week May 1, 2011 $845.00 per week NOTE: The increases effective May 1, 2010 and May 1, 2011 reflect the May 1, 2009 benefit being increased in accordance with the general wage increases effective on those dates. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeonsickness, except that in those cases of non-occupational sickness sickness, which result in the claimant being hospitalizedhospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. b. Maximum . Weekly Indemnity Benefits Payable c. Each of the hourly job rates in the above table is defined as the straight time rate of the employee's regular job, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basis. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) months, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-five (65) 65 will continue until the employee has received at least fifteen (15) weeks of benefits benefits, or until the employee is no longer disabled or retires, whichever comes first. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (100%) of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of sixty-four (64) 64 will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three WHERE THE EMPLOYEE RECOVERS AN AMOUNT FROM A LIABLE THIRD PARTY FOR LOSS OF INCOME AS A RESULT OF THE SAME ACCIDENT OR ILLNESS, THEY MUST REIMBURSE THE PLAN ONCE THEY RECEIVE 100% OF THEIR LOSS. ONE HUNDRED PERCENT (3100%) months No PremiumOF THEIR LOSS INCLUDES GROSS WAGES LOST.

Non-occupational Accident and Sickness Insurance. a. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-two percent (62%) of in accordance with the employee’s regular job rate to the maximums in the following tableTable. Weekly Indemnity benefits benefits will be payable beginning with the first first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeonsickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalizedhospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity benefits Weekly Indemnity benefits will be payable beginning with the first first day of sickness. Benefits Benefits will be payable for a maximum of fiftyfifty-two (52) weeks during any one period of disability. b. Maximum . Payment of Weekly Indemnity Benefits Payable c. Each benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits for loss of time as a result of attempted suicide under the hourly job rates in Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the above table is defined as the straight time rate of the employee's regular jobinitial waiting period, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basisfor any subsequent lost time. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall Effective May 1, 1998, benefit payment will not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) monthsmade beyond age 65 and in all cases, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least fifteen (15) weeks of benefits or until the employee is no longer disabled or retires, whichever comes firstcease on recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (100%) % of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of sixty-four (64) 64 will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three (3) months No PremiumPremium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.

Non-occupational Accident and Sickness Insurance. a. i. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-two percent (62%) of in accordance with the employee’s regular job rate to the maximums in the following tableTable. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-non- occupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeonsickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalizedhospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Payment of Weekly Indemnity benefits will be made directly from the local mill. The Plan will provide benefits for loss of time as a result of attempted suicide under the Plan provisions covering other mental illness. Coverage also includes injury, disability arising from attempted suicide. Only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. b. Maximum Weekly Indemnity Benefits Payable c. Each of the hourly job rates in the above table is defined as the straight time rate of the employee's regular job, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basisii. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) months, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-sixty- five (65) will continue until the employee has received at least fifteen (15) 15 weeks of benefits benefits, or until the employee is no longer disabled or retires, whichever comes first. iii. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (100%) % of their loss. One hundred percent (100%) of their loss includes gross wages lost. Subrogation shall apply to the Weekly Indemnity Plan but not to the Long Term Disability Plan as documented in the Trustees Meeting Minutes dated January 21 and 22, 1999. iv. The premium structure for coverage of an employee over the age of sixty-four (64) 64 will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three (3) months No Premium

Non-occupational Accident and Sickness Insurance. a. i. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-two percent (62%) of in accordance with the employee’s regular job rate to the maximums in the following tableTable. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-non- occupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeonsickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalizedhospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Payment of Weekly Indemnity benefits will be made directly from the local mill. The Plan will provide benefits for loss of time as a result of attempted suicide under the Plan provisions covering other mental illness. Coverage also includes injury, disability arising from attempted suicide. Only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. b. Maximum Weekly Indemnity Benefits Payable c. Each of the hourly job rates in the above table is defined as the straight time rate of the employee's regular job, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basisii. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) months, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least fifteen (15) 15 weeks of benefits benefits, or until the employee is no longer disabled or retires, whichever comes first. iii. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (100%) % of their loss. One hundred percent (100%) of their loss includes gross wages lost. Subrogation shall apply to the Weekly Indemnity Plan but not to the Long Term Disability Plan as documented in the Trustees Meeting Minutes dated January 21 and 22, 1999. iv. The premium structure for coverage of an employee over the age of sixty-four (64) 64 will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three (3) months No Premium

Non-occupational Accident and Sickness Insurance. a. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-two percent (62%) of in accordance with the employee’s regular job rate to the maximums in the following tableTable. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational nonoccupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeonsickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalizedhospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. b. Maximum . Payment of Weekly Indemnity Benefits Payable c. Each benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits for loss of time as a result of attempted suicide under the hourly job rates in Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the above table is defined as the straight time rate of the employee's regular jobinitial waiting period, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basisfor any subsequent lost time. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall Effective May 1, 1998, benefit payment will not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) monthsmade beyond age 65 and in all cases, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least fifteen (15) weeks of benefits or until the employee is no longer disabled or retires, whichever comes firstcease on recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (100%) % of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of sixty-four (64) 64 will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three (3) months No PremiumPremium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.

Non-occupational Accident and Sickness Insurance. a. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-two percent (62%) of in accordance with the employee’s regular job rate to the maximums in the following tableTable. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeonsickness, except that in those cases of non-occupational sickness sickness, which result in the claimant being hospitalizedhospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. b. Maximum Weekly Indemnity Benefits Payable c. Each . The Welfare Plan will include Non-Occupational Accident and Sickness Insurance that will provide a benefit of the hourly job rates in the above table is defined as the straight time rate sixty percent (60%) of the employee's ’s regular job, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basis. Employees who wish tax deducted on some other basis may make arrangements by contacting job rate to the Human Resources department. e. An employee receiving benefits under this insurance shall not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) months, or maximums in the event such vacation pay represents following table: Date of ratification $750.00 per week May 1, 2009 $800.00 per week May 1, 2010 $820.00 per week May 1, 2011 $845.00 per week Note: The increases effective May 1, 2010 and May 1, 2011 reflect the balance owing to an employee at May 1, 2009 benefit being increased in accordance with the end general wage increases effective on those dates. 56 Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness, except that in those cases of non- occupational sickness, which results in the claimant being hospitalized as a vacation year. f. bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly indemnity Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Weekly Indemnity benefits which begin prior to age sixty-five (65) 65 will continue until the employee has received at least fifteen (15) weeks of benefits benefits, or until the employee is no longer disabled or retires, whichever comes first. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan plan once they receive one hundred percent (100%) % of their lossgross wages lost. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of sixty-four (64) 64 will be as follows: First three (3) months 75% of Normal Premium Second normal premium Last three (3) months No premium 25% of normal premium Third three months 50% of Normal Premium Third normal premium Second three (3) months 25% of Normal Premium Last three (3) months No Premiummonths

Non-occupational Accident and Sickness Insurance. a. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-two percent (62%) of in accordance with the employee’s regular job rate to the maximums in the following tableTable. Weekly Indemnity benefits benefits will be payable beginning with the first first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness as long as the employee has been treated by a physician or surgeonsickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalizedhospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity benefits Weekly Indemnity benefits will be payable beginning with the first first day of sickness. Benefits Benefits will be payable for a maximum of fifty-fifty- two (52) weeks during any one period of disability. b. Maximum . Payment of Weekly Indemnity Benefits Payable c. Each benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits for loss of time as a result of attempted suicide under the hourly job rates in Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the above table is defined as the straight time rate of the employee's regular jobinitial waiting period, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basisfor any subsequent lost time. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall Effective May 1, 1998, benefit payment will not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) monthsmade beyond age 65 and in all cases, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least fifteen (15) weeks of benefits or until the employee is no longer disabled or retires, whichever comes firstcease on recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (100%) % of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of sixty-four (64) 64 will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three (3) months No PremiumPremium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.

Non-occupational Accident and Sickness Insurance. a. The Welfare Plan will include Non-occupational Accident and Sickness Insurance that will provide a benefit of sixty-two percent (62%) of the employee’s regular job rate to the maximums in the following table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-non- occupational sickness as long as the employee has been treated by a physician or surgeon, except that in those cases of non-non- occupational sickness which result in the claimant being hospitalized, and in those cases where surgery is performed which necessitates loss of time from work, the said weekly indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two fifty -two (52) weeks during any one period of disability. b. Maximum Weekly Indemnity Benefits Payable c. Each of the hourly job rates in the above table is defined as the straight time rate of the employee's regular job, exclusive of all premiums and fringes. d. Income tax shall be deducted from Weekly Disability Payments on a single status basis. Employees who wish tax deducted on some other basis may make arrangements by contacting the Human Resources department. e. An employee receiving benefits under this insurance shall not be entitled to receive vacation pay during the same period unless the employee has been off work for more than four (4) months, or in the event such vacation pay represents the balance owing to an employee at the end of a vacation year. f. Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least fifteen (15) weeks of benefits or until the employee is no longer disabled or retires, whichever comes first. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive one hundred percent (100%) of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of sixty-four (64) will be as follows: First three (3) months 75% of Normal Premium Second three (3) months 50% of Normal Premium Third three (3) months 25% of Normal Premium Last three (3) months No Premium