Common use of Page Clause in Contracts

Page. If a member a spouse at the time of retirementand wishes to have the paid in a formother than the one described above, the spouse must give 'written consent to the election of different form if that form provides the with a benefit less than that described above. The following are someof the alternativeforms of pension payment which are available: This pension will cease on the member's death and provides no security for dependents, Under option, the pension would be paid for the longer of the lifetime and a guaranteedperiod. If the member dies during the guaranteed period, the pension payments would continue to be paid to the member's beneficiary for the balance of the guaranteed period, an example, the guaranteed period may be months (5 years), months (10 years) or (15 years), but cannot exceed months. This pension would be payable for the member's lifetime and would after death to thespouse if the spouse is still alive. The lifetime pension payable to the spouse may be the same as the pension payable the member is alive or a reduced amount depending on the member's election at retirement. At retirement the available options will be explained fully so that each member can choose the formof payment prefers, If a member becomes totally permanently disabled, the member will continue to earn retirement benefits under the These benefits will accrue on the basis that the member earns a full year of credited service in each year as long as acceptable proof of continued disability is provided, At retirement, the member will receive a determined on the basis of the credited serviceearned before and during the period of After January the pension provided for Credited Past Service and Credited Future Service fromthe plan become vested when the member completed two years of continuous plan membership. If a member‘s pension is vested, is eligible to receive it when reaches retirement age regardless of whether or not continues to be employed by In the event that a member who earned a vested pension before retirement beneficiary will be entitled to receive a benefit which has a value equal to value of the vested pension accrued by the member to the date of his death. If the beneficiary the member‘s spouse, the benefit must be paid in the form of a lifetime pension or be transferred ina lump sum to a ”Locked-InRetirement Account“(“LIRA”),a “Life Income Fund” (“UP”), a “Locked-In income Fund” or to the pension plan in which the spouse is a member, A LIRA a vehicle to an which must be used to provide a lifetimepension, and both a and are similar to a with certain restrictions on the way in which the funds can be received. Service for the purposes of the Plan will be considered to have been broken when member terminates employment. Alternatively, at the member's option, a break in servicecan be deferred until the member has completed less than hours of work in a period of two consecutivecalendar years, A member who has a break in service for any other than retirement or death after he earned a vested pension will be entitled to a pension benefit startingat age equal to the pension earned under the Ran for Credited Past Serviceand Credited FutureService up to the date of termination. A terminated member may elect to have his pension commence to attaining age but not than age In case the pension be reduced so that it has a value equivalent to the full pension commencingat age This reduction will be a greater reduction than the reduction which applies a retires from active employment. Certain to this rule may apply the member's employment is terminated as a result of change, permanent job elimination, or permanent closureof the workplace. In of receiving a deferred pension commencing at a date, a member may elect to have the lump sum which is equivalent to the value of the deferred pension transferred to a LIP or to a future employer's pension plan, or to an insurance company. Within days following the end of each calendar year, each member shall receive a statement of the accrued benefits to which the member le entitled under the Plan at the end of that year. The pension plan is by a Board of comprised of two union representatives, and two company representatives. If you have any questions that are not in plan summary, please contact one of the Trustees: Xxxxxxx Xxxxx or Xxx In t I Corp. Canada Hourly Union Employees Industrial Wood Allied Workers This information booklet has been prepared to give you an informal summary of the main features of your group insurance program. This booklet is not an insurance policy, and does not grant or confer any contractual rights. All rights under this program shall be governed by the provisions of the Master Policy and by applicable law. Accidental Death and Dismemberment is provided by ACE Insurance. All other benefits outlined in this booklet are provided by Maritime Life. This booklet is for your reference. Please read it carefully and keep it for future use. TABLE OF CONTENTS ELIGIBILITY SUMMARY OF BENEFITS EMPLOYEE BASIC LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT EMPLOYEE OPTIONAL LIFE INSURANCE SPOUSE OPTIONAL LIFE INSURANCE WEEKLY DISABILITY INCOME SUPPLEMENTARY HEALTH EXPENSE EMERGENCY TRAVEL ASSISTANCE DENTAL EXPENSE BENEFIT GENERAL PROVISIONS WHEN YOUR INSURANCE STARTS EVIDENCE OF INSURABILITY WHEN YOUR INSURANCE TERMINATES COORDINATION OF BENEFITS ELIGIBLE DEPENDENTS CHANGE IN AMOUNTS OF INSURANCE CHANGE IN GOVERNMENT SPONSORED PROGRAMS DEFINITIONS HOW TO CLAIM TIME LIMITATIONS Canada Hourly Union Employees International Wood Allied Workers of Canada Local Policy Number: Plan Effective Date: September Plan description in this booklet outlines the current plan as of January Permanent, full-time employees will become eligible for coverage on the later of, the policy effective date, or following month of continuous, active employment. * months for dental coverage Retired employees are not eligible for coverage. Please refer to the General Provisions section in the back of this booklet for further information, including BASIC LIFE INSURANCE You are eligible of insurance. No-Evidence Limit: Evidence of insurability will not be required. Coverage terminates on the date you attain age or earlier retirement, whichever is earlier, and as outlined in the General Provisions section.

Page. If The Subsistence Review Committee will consist of one (1) representative appointed by the Alberta Building Trades Council and one (1) representative appointed by the Employers’ Coordinating Committee. Neither appointee shall be directly involved with the issue at hand. The Subsistence Review Committee will undertake such investigation as is necessary to determine whether the paid will allow an Employee to purchase available accommodation and three (3) meals per day in the community or communities where Employees will be domiciled. in the event that the Committee determines that the allowance is insufficient to purchase such lodging and meals the Committee shall determine the amount by which the subsistence allowance shall be adjusted. A decision of the Committee as to whether the allowance is sufficient or whether a member specified adjustment is necessary shall be final and binding provided that both appointees mutually agree with the resolve. Any such mutually agreed upon decision shall be issued within five (5) days the date of or such longer period as may be agreed by the Coordinating Committee and the Building Trades. In the event the Committee fails to make the required determination or determinations within the period allowed, the meal and lodging costs ascertained by the Committee shall be referred, together with such other relevant evidence and argument as may be submitted by the parties, to an Umpire who shall be appointed within five (5) days in accordance with the provisions of Article The Umpire shall render a spouse at final and binding decision as to whether the time subsistence allowance is sufficient to allow an Employee to purchase accommodation and meals in the subject community or communities, and if it is not the amount by which the allowance should be adjusted to afford the purchase of retirementand wishes to available lodging and meals. The decision of the Umpire shall be rendered within five (5) full days of the Umpire’s appointment, or such longer period as may be agreed by the coordinating Committee and the Building Trades. The decision of the Umpire shall have the paid in a formother than the one described above, the spouse must give 'written consent same binding effect and shall be subject to the election same limited review as a decision of different form if that form provides the with a benefit less than that described abovean arbitrator in grievance proceedings. The following are someof fees and disbursements of Umpire shall be borne equally by the alternativeforms of pension payment which are available: This pension will cease on Coordinating Committee and the member's death referring Union. The Subsistence Review Committee the Umpire shall enter into a review when determining subsistence costs and provides no security for dependents, Under option, the pension would be paid for the longer of the lifetime and a guaranteedperiod. If the member dies during the guaranteed period, the pension payments would continue in order to be paid come to the member's beneficiary for conclusions that are necessary to out the balance objects of this clause some guidelines are included; in the guaranteed period, an example, appropriate the guaranteed period may be months (5 years), months (10 years) or (15 years), but cannot exceed months. This pension would be payable for the member's lifetime and would after death ability to thespouse if the spouse is still alive. The lifetime pension payable to the spouse may be the same as the pension payable the member is alive or a reduced amount depending decide on the member's election at retirement. At retirement the available options will be explained fully so that each member can choose the formof payment prefers, If a member becomes totally permanently disabled, the member will continue to earn retirement benefits under the These benefits will accrue on the basis that the member earns a full year of credited service in each year as long as acceptable proof of continued disability is provided, At retirement, the member will receive a determined on the basis of the credited serviceearned before and during the period of After January the pension provided for Credited Past Service and Credited Future Service fromthe plan become vested when the member completed two years of continuous plan membership. If a member‘s pension is vested, is eligible to receive it when reaches retirement age regardless of whether or not continues to an increase in subsistence allowance shall be employed by In the event that a member who earned a vested pension before retirement beneficiary will be entitled to receive a benefit which has a value equal to value of the vested pension accrued by the member made retroactively to the date of his death. If the beneficiary the member‘s spouse, the benefit must be paid in the form of a lifetime pension or be transferred ina lump sum to a ”Locked-InRetirement Account“(“LIRA”),a “Life Income Fund” (“UP”), a “Locked-In income Fund” or matter was submitted to the pension plan in which the spouse is a member, A LIRA a vehicle to an which must be used to provide a lifetimepension, and both a and are similar to a with certain restrictions on the way in which the funds can be received. Service for the purposes of the Plan will be considered to have been broken when member terminates employment. Alternatively, at the member's option, a break in servicecan be deferred until the member has completed less than hours of work in a period of two consecutivecalendar years, A member who has a break in service for any other than retirement or death after he earned a vested pension will be entitled to a pension benefit startingat age equal to the pension earned under the Ran for Credited Past Serviceand Credited FutureService up to the date of termination. A terminated member may elect to have his pension commence to attaining age but not than age In case the pension be reduced so that it has a value equivalent to the full pension commencingat age This reduction will be a greater reduction than the reduction which applies a retires from active employment. Certain to this rule may apply the member's employment is terminated as a result of change, permanent job elimination, or permanent closureof the workplace. In of receiving a deferred pension commencing at a date, a member may elect to have the lump sum which is equivalent to the value of the deferred pension transferred to a LIP or to a future employer's pension plan, or to an insurance company. Within days following the end of each calendar year, each member shall receive a statement of the accrued benefits to which the member le entitled under the Plan at the end of that year. The pension plan is by a Board of comprised of two union representatives, and two company representatives. If you have any questions that are not in plan summary, please contact one of the Trustees: Xxxxxxx Xxxxx or Xxx In t I Corp. Canada Hourly Union Employees Industrial Wood Allied Workers This information booklet has been prepared to give you an informal summary of the main features of your group insurance program. This booklet is not an insurance policy, and does not grant or confer any contractual rights. All rights under this program shall be governed by the provisions of the Master Policy and by applicable law. Accidental Death and Dismemberment is provided by ACE Insurance. All other benefits outlined in this booklet are provided by Maritime Life. This booklet is for your reference. Please read it carefully and keep it for future use. TABLE OF CONTENTS ELIGIBILITY SUMMARY OF BENEFITS EMPLOYEE BASIC LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT EMPLOYEE OPTIONAL LIFE INSURANCE SPOUSE OPTIONAL LIFE INSURANCE WEEKLY DISABILITY INCOME SUPPLEMENTARY HEALTH EXPENSE EMERGENCY TRAVEL ASSISTANCE DENTAL EXPENSE BENEFIT GENERAL PROVISIONS WHEN YOUR INSURANCE STARTS EVIDENCE OF INSURABILITY WHEN YOUR INSURANCE TERMINATES COORDINATION OF BENEFITS ELIGIBLE DEPENDENTS CHANGE IN AMOUNTS OF INSURANCE CHANGE IN GOVERNMENT SPONSORED PROGRAMS DEFINITIONS HOW TO CLAIM TIME LIMITATIONS Canada Hourly Union Employees International Wood Allied Workers of Canada Local Policy Number: Plan Effective Date: September Plan description in this booklet outlines the current plan as of January Permanent, full-time employees will become eligible for coverage on the later of, the policy effective date, or following month of continuous, active employment. * months for dental coverage Retired employees are not eligible for coverage. Please refer to the General Provisions section in the back of this booklet for further information, including BASIC LIFE INSURANCE You are eligible of insurance. No-Evidence Limit: Evidence of insurability will not be required. Coverage terminates on the date you attain age or earlier retirement, whichever is earlier, and as outlined in the General Provisions sectionSubsistence Review Committee.

Page. If All employees shall, as a member condition of employment, authorize the Company to deduct the amount equal to the Local Union's Initiation Fees in instalments of dollars per week after the completion of the probationary period. This deduction shall continue until the Initiation Fee is paid in full. The Company agrees to remit such monies so deducted to the head office of the Local Union along with a spouse list of the employees from whom the money was deducted at the same time as the Union dues are remitted. The Company agrees, for the duration of retirementand wishes this Agreement, to have deduct from the paid in last pay cheque each month the monthly dues of any employee covered by this Agreement, and to remit such monies so deducted to the head office of the Local Union along with a formother list of the employees from whom were deducted not later than the one described above, tenth day of the spouse must give 'month following the date upon which such monies were deducted. The checkoff list will include social insurance numbers and names. The Union will notify the Company in writing of any arrears in dues caused for any reason or any arrears in initiation or fees and the Company will commence deductions in amounts prescribed by the Local Union in such written consent notice and forward such monies to the election Local Union along with the monthly dues as provided for above. Such notice of different form if that form provides arrears served on the Company shall prescribe payroll deductions of not more than dollars ($25.00) per week. The Union will refund directly to the employee any such monies deducted in error along with confirmation of such refund to the Company. The Union will supply the Company with a benefit less than that described abovesupply of printed checkoff forms which shall provide a column for "Dues", "Arrears in Dues", "Initiation and The Company shall each month add the of each new employee hired on since the remittance of the previous checkoff along with the starting date and the Company shall give an explanation alongside the name of each employee who appeared on the previous checkoff sheet for whom a remittance is not made for any reason. The following are someof the alternativeforms Union will supply with Initiation Deduction Authorization Forms, Application for Membership Dues Deduction Authorization Forms and Health and Welfare Enrolment Forms, all of pension payment which are available: This pension will cease shall be signed by a l l new employees on the member's death and provides no security for dependents, Under option, date of hire. It will be the pension would be paid for the longer responsibility of the lifetime and a guaranteedperiod. If the member dies during the guaranteed period, the pension payments would continue Company to be paid ensure that all completed Application for Membership Forms are returned to the member's beneficiary for Union. All forms shall be returned to the balance Union within seven days from the date of the guaranteed period, an example, the guaranteed period may hire. The deduction of Union dues shall be months (5 years), months (10 years) or (15 years)made from every employee including, but cannot exceed monthslimited to, probationary employees. This pension would be payable for the member's lifetime and would after death to thespouse if the spouse is still alive. The lifetime pension payable to the spouse may be the same as the pension payable the member is alive or a reduced amount depending on the member's election at retirement. At retirement the available options will be explained fully so that each member can choose the formof payment prefers, If a member becomes totally permanently disabled, the member will continue to earn retirement benefits under the These benefits will accrue on the basis that the member earns a full year of credited service in each year as long as acceptable proof of continued disability is provided, At retirement, the member will receive a determined on the basis of the credited serviceearned before and during the period of After January the pension provided for Credited Past Service and Credited Future Service fromthe plan become vested when the member completed two years of continuous plan membership. If a member‘s pension is vested, is eligible to receive it when reaches retirement age regardless of whether or not continues to be employed by In the event that a member who earned a vested pension before retirement beneficiary probationary employee fails to complete his probationary period, Union dues will be entitled to receive a benefit which has a value equal to value deducted from his final pay cheque. The checkoff and cheque for the Union dues deducted must be in the office of the vested pension accrued by Local Union not later than the member to tenth day of the date of his death. If month following the beneficiary the member‘s spouse, the benefit must be paid in the form of a lifetime pension or be transferred ina lump sum to a ”Locked-InRetirement Account“(“LIRA”),a “Life Income Fund” (“UP”), a “Locked-In income Fund” or to the pension plan month in which the spouse monies were deducted, If the checkoff and cheque have not arrived by the tenth (10th) day of the the Local Union Secretary-Treasurer will, by registered mail, so notify the Company who will ensure that the Company remits the cheque within seven days of receipt of the notification. The Company shall show the annual total of Union dues deducted each month on employees‘ slips. The Union recognizes that the Company has the right to manage the business, to exercise all the prerogatives of management and, without affecting the generality of the it has the right to determine the size of and direct the work force, to extend or curtail operations and to hire and promote, except to the extent that the said rights and prerogatives have been specifically delegated to the Union or otherwise curtailed in this Agreement. The Company also has the right to discharge, suspend or otherwise discipline employees for just cause. The above clause shall not deprive the employees of the right to exercise the Grievance Procedure as outlined i n the Agreement. No person shall be refused employment or in any manner be discriminated against in accordance with the Canadian Charter of Rights and Freedoms. Representative6 of the Local Union shall be allowed to enter the premises to deal in the administration of the Agreement, provided they do not interfere with the normal operation of the Company. Visiting Representatives of the Local Union shall make their presence known to Local Management The Company acknowledges the right of the Union to appoint the necessary stewards. It is understood that the Union will not appoint an excessive number of stewards. Wherever possible, grievances shall be processed during the normal working hours of the xxxxxxx. In any event, a memberxxxxxxx shall receive his regular rate of pay when grievances or pending grievances are processed with the Company on Company property or at any other place which is mutually agreed upon by both the Union and the Company. The provisions as outlined in Section above are not subject to any Hours of Work provisions in this Agreement. Should the Company find that a xxxxxxx'x activities interfere with the normal course of his duties or the duties of other employees, A LIRA the Company may contact a vehicle representative of the Local Union and/or register a grievance. The will. inform the Company in writing of the name of the xxxxxxx and of any subsequent change in stewards. The Company shall not be asked to an which must recognize any xxxxxxx until such notification from the Union has been received. The Company will notify the Union by registered mail or telegram prior to the suspension or discharge of a xxxxxxx. Failure of the Company to comply with this procedure shall render the dismissal or suspension null and void. For the purpose of layoff and the allocation of overtime, as specifically set out in Section the xxxxxxx shall be used to provide a lifetimepension, and both a and are similar to a with certain restrictions established on the way in which appropriate seniority list as "second". The xxxxxxx however shall not use the funds can be received. Service xxxxxxx'x seniority for the purposes purpose of vacation preference, job openings or shift changes. For the Plan will be considered purpose of processing specific grievances or disputes, Business Representatives and stewards shall have relevant time cards and personnel disciplinary records made available to have been broken when member terminates employment. Alternativelythem on request as soon as possible but not to exceed three days, at the member's option, a break in servicecan be deferred until terminal during the member has completed less than office hours of work in a period of two consecutivecalendar years, A member who has a break in service for any other than retirement or death after he earned a vested pension will be entitled to a pension benefit startingat age equal to the pension earned under the Ran for Credited Past Serviceand Credited FutureService up to the date of termination. A terminated member may elect to have his pension commence to attaining age but not than age In case the pension be reduced so that it has a value equivalent to the full pension commencingat age This reduction will be a greater reduction than the reduction which applies a retires from active employment. Certain to this rule may apply the member's employment is terminated as a result of change, permanent job elimination, or permanent closureof the workplace. In of receiving a deferred pension commencing at a date, a member may elect to have the lump sum which is equivalent to the value of the deferred pension transferred to a LIP or to a future employer's pension plan, or to an insurance company. Within days following the end of each calendar year, each member shall receive a statement of the accrued benefits to which the member le entitled under the Plan at the end of that year. The pension plan is by a Board of comprised of two union representatives, and two company representatives. If you have any questions that are not in plan summary, please contact one of the Trustees: Xxxxxxx Xxxxx or Xxx In t I Corp. Canada Hourly Union Employees Industrial Wood Allied Workers This information booklet has been prepared to give you an informal summary of the main features of your group insurance program. This booklet is not an insurance policy, and does not grant or confer any contractual rights. All rights under this program shall be governed by the provisions of the Master Policy and by applicable law. Accidental Death and Dismemberment is provided by ACE Insurance. All other benefits outlined in this booklet are provided by Maritime Life. This booklet is for your reference. Please read it carefully and keep it for future use. TABLE OF CONTENTS ELIGIBILITY SUMMARY OF BENEFITS EMPLOYEE BASIC LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT EMPLOYEE OPTIONAL LIFE INSURANCE SPOUSE OPTIONAL LIFE INSURANCE WEEKLY DISABILITY INCOME SUPPLEMENTARY HEALTH EXPENSE EMERGENCY TRAVEL ASSISTANCE DENTAL EXPENSE BENEFIT GENERAL PROVISIONS WHEN YOUR INSURANCE STARTS EVIDENCE OF INSURABILITY WHEN YOUR INSURANCE TERMINATES COORDINATION OF BENEFITS ELIGIBLE DEPENDENTS CHANGE IN AMOUNTS OF INSURANCE CHANGE IN GOVERNMENT SPONSORED PROGRAMS DEFINITIONS HOW TO CLAIM TIME LIMITATIONS Canada Hourly Union Employees International Wood Allied Workers of Canada Local Policy Number: Plan Effective Date: September Plan description in this booklet outlines the current plan as of January Permanent, full-time employees will become eligible for coverage on the later of, the policy effective date, or following month of continuous, active employment. * months for dental coverage Retired employees are not eligible for coverage. Please refer to the General Provisions section in the back of this booklet for further information, including BASIC LIFE INSURANCE You are eligible of insurance. No-Evidence Limit: Evidence of insurability will not be required. Coverage terminates on the date you attain age or earlier retirement, whichever is earlier, and as outlined in the General Provisions sectionCompany.

Page. If a member a spouse at no applications, to fill any posted vacancy or newly created job, are received from employees, or if there are no successful applicants, the time of retirementand wishes to Hospital may fill the vacancy or newly created job in any manner it sees fit. The Hospital shall have the paid in a formother than right to fill any vacancy on an interim basis until the one described aboveposting procedure herein has been complied with, and arrangements have been made to assign the spouse must give 'written consent employee selected to fill the vacancy to the election of different form if that form provides the with a benefit less than that described abovejob. No grievance may be filed such temporary arrangements. The following are someof successful applicant will be placed in the alternativeforms vacancy for a trial period not exceeding thirty (30) days of pension payment which are available: This pension will cease on work in the member's death and provides no security for dependentscase of a full- time employee, Under option, or hours worked in the pension would be paid for the longer case of the lifetime and a guaranteedperiodpart-time employee. If the member dies during the guaranteed periodemployee proves satisfactory, the pension payments would continue to then he shall be paid considered permanently assigned to the member's beneficiary for the balance of the guaranteed period, an example, the guaranteed period may be months (5 years), months (10 years) or (15 years), but cannot exceed months. This pension would be payable for the member's lifetime and would after death to thespouse if the spouse is still alive. The lifetime pension payable to the spouse may be the same as the pension payable the member is alive or a reduced amount depending on the member's election at retirement. At retirement the available options will be explained fully so that each member can choose the formof payment prefers, If a member becomes totally permanently disabled, the member will continue to earn retirement benefits under the These benefits will accrue on the basis that the member earns a full year of credited service in each year as long as acceptable proof of continued disability is provided, At retirement, the member will receive a determined on the basis of the credited serviceearned before and during the period of After January the pension provided for Credited Past Service and Credited Future Service fromthe plan become vested when the member completed two years of continuous plan membership. If a member‘s pension is vested, is eligible to receive it when reaches retirement age regardless of whether or not continues to be employed by In the event that a member who earned a vested pension before retirement beneficiary will be entitled to receive a benefit which has a value equal to value of the vested pension accrued by the member to the date of his deathvacancy. If the beneficiary employee proves unsatisfactory during that time, or if the member‘s spouseemployee feels he is unable to perform the duties of the vacancy to which he is posted, the benefit must employee will be paid returned to his former position at his former salary or rate of pay, as will any other employee in the form bargaining unit who was promoted or transferred by reason of a lifetime pension or such placing. Newly hired employees shall be transferred ina lump sum to a ”Locked-InRetirement Account“(“LIRA”),a “Life Income Fund” (“UP”), a “Locked-In income Fund” or terminated and such termination shall not be subject to the pension plan in which the spouse is grievance and arbitration procedure. Successful applicants to permanent vacancies and newly hired employees will not be permitted to apply for job or any subsequent vacancies for a memberperiod of six (6) months, unless otherwise mutually agreed. An employee may make a written request for transfer by advisingthe Hospital and filing a Request for Transfer form indicating her name, qualifications, experience, present area of assignment, seniority and requested area of assignment. A LIRA a vehicle to an which must be used to provide a lifetimepension, and both a and are similar to a with certain restrictions on the way in which the funds can be received. Service Request for the purposes Transfer shall become active as of the Plan date it is received by the Hospital and shall remain so until December following. Such requests will be considered as applications for posted vacancies and subsequent vacancies created by the filling of a posted vacancy. The vacation year is defined as the period from April of any given year to have been broken when member terminates employment. Alternatively, at the member's option, a break in servicecan be deferred until the member has completed less than hours of work in a period of two consecutivecalendar years, A member who has a break in service for any other than retirement or death after he earned a vested pension will be entitled to a pension benefit startingat age equal to the pension earned under the Ran for Credited Past Serviceand Credited FutureService up to the date of termination. A terminated member may elect to have his pension commence to attaining age but not than age In case the pension be reduced so that it has a value equivalent to the full pension commencingat age This reduction will be a greater reduction than the reduction which applies a retires from active employment. Certain to this rule may apply the member's employment is terminated as a result of change, permanent job elimination, or permanent closureof the workplace. In of receiving a deferred pension commencing at a date, a member may elect to have the lump sum which is equivalent to the value March of the deferred pension transferred to a LIP or to a future employer's pension plan, or to an insurance company. Within days following the end of each calendar year, each member shall receive a statement of the accrued benefits to which the member le entitled under the Plan at the end of that year. The pension plan is by a Board of comprised of two union representatives, and two company representatives. If you have any questions that are not in plan summary, please contact one of the Trustees: Xxxxxxx Xxxxx or Xxx In t I Corp. Canada Hourly Union Employees Industrial Wood Allied Workers This information booklet has been prepared to give you an informal summary of the main features of your group insurance program. This booklet is not an insurance policy, and does not grant or confer any contractual rights. All rights under this program shall be governed by the provisions of the Master Policy and by applicable law. Accidental Death and Dismemberment is provided by ACE Insurance. All other benefits outlined in this booklet are provided by Maritime Life. This booklet is for your reference. Please read it carefully and keep it for future use. TABLE OF CONTENTS ELIGIBILITY SUMMARY OF BENEFITS EMPLOYEE BASIC LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT EMPLOYEE OPTIONAL LIFE INSURANCE SPOUSE OPTIONAL LIFE INSURANCE WEEKLY DISABILITY INCOME SUPPLEMENTARY HEALTH EXPENSE EMERGENCY TRAVEL ASSISTANCE DENTAL EXPENSE BENEFIT GENERAL PROVISIONS WHEN YOUR INSURANCE STARTS EVIDENCE OF INSURABILITY WHEN YOUR INSURANCE TERMINATES COORDINATION OF BENEFITS ELIGIBLE DEPENDENTS CHANGE IN AMOUNTS OF INSURANCE CHANGE IN GOVERNMENT SPONSORED PROGRAMS DEFINITIONS HOW TO CLAIM TIME LIMITATIONS Canada Hourly Union Employees International Wood Allied Workers of Canada Local Policy Number: Plan Effective Date: September Plan description in this booklet outlines the current plan as of January Permanent, full-time employees will become eligible for coverage on the later of, the policy effective date, or following month of continuous, active employment. * months for dental coverage Retired employees are not eligible for coverage. Please refer to the General Provisions section in the back of this booklet for further information, including BASIC LIFE INSURANCE You are eligible of insurance. No-Evidence Limit: Evidence of insurability will not be required. Coverage terminates on the date you attain age or earlier retirement, whichever is earlier, and as outlined in the General Provisions sectionfollowingyear.

Page. If a member a spouse at The Employer agrees that ten month employees who are enrolled in the time of retirementand wishes to have the paid benefits contained in a formother than the one described above, the spouse must give 'written consent to the election of different form if that form provides the with a benefit less than that described above. The following are someof the alternativeforms of pension payment which are available: This pension will cease on the member's death Articles and provides no security for dependents, Under option, the pension would be paid for the longer of the lifetime and a guaranteedperiod. If the member dies during the guaranteed period, the pension payments would continue to be paid to the member's beneficiary for the balance of the guaranteed period, an example, the guaranteed period may be months (5 years), months (10 years) or (15 years), but cannot exceed months. This pension would be payable for the member's lifetime and would after death to thespouse if the spouse is still alive. The lifetime pension payable to the spouse may be the same as the pension payable the member is alive or a reduced amount depending on the member's election at retirement. At retirement the available options will be explained fully so that each member can choose the formof payment prefers, If a member becomes totally permanently disabled, the member will continue to earn retirement benefits under the These benefits will accrue on the basis that the member earns a full year of credited service in each year as long as acceptable proof of continued disability is provided, At retirement, the member will receive a determined on the basis of the credited serviceearned before and during the period of After January the pension provided for Credited Past Service and Credited Future Service fromthe plan become vested when the member completed two years of continuous plan membership. If a member‘s pension is vested, is eligible to receive it when reaches retirement age regardless of whether or not continues to be employed by In the event that a member who earned a vested pension before retirement beneficiary will shall be entitled to receive a benefit those benefits during the summer months that they are not working with the understanding that the employer will pay its share of such benefits as detailed in the above articles and the employee shall pay their share. The employees shall pay their share prior to the start of their absence. It is agreed that any and all accrued premium rate reductions realized by the employer from the rebate will be retained by the employer, which has a value equal have been applied to value the benefits in this article. An employee who is absent from work and covered by Workers' Compensation shall, upon written request, be entitled to continue to participate in all of the vested pension accrued by the member to the date of his death. If the beneficiary the member‘s spouse, the benefit must be paid in the form of a lifetime pension or be transferred ina lump sum to a ”Locked-InRetirement Account“(“LIRA”),a “Life Income Fund” (“UP”), a “Locked-In income Fund” or to the pension plan in benefits which the spouse is a memberemployee might choose from the Collective Agreement in effect between the Union and the Board, A LIRA a vehicle to an which must be used to provide a lifetimepension, and both a and are similar to a with certain restrictions on the way in which the funds can be received. Service for the purposes of the Plan will be considered to have been broken when member terminates employment. Alternatively, at the member's option, a break in servicecan be deferred until the member has completed less than hours of work in a period of up to two consecutivecalendar (2) years. The Board agrees to continue to pay its share of the applicable premiums, A member who has a break in service for any other than retirement or death after he earned a vested pension will provided the employee contributes share of the premiums. Such continuance is dependent upon satisfying the carrier's conditions. shall, upon written request, be entitled to a pension benefit startingat continue to participate in all of the benefits which might choose from the Collective Agreement in effect between the Union and the Board, until reaches the age equal of The Board agrees to continue to pay all applicable premiums, provided the employee reimburses the Board in full. The employee agrees to provide the Board with post-dated cheques in advance, on an annual basis, for all benefits chooses to continue. Such continuance is dependent upon satisfying the carrier's conditions. When an employee has exhausted benefits of the Short Term Sick Leave Plan, shall, upon written request, be entitled to continue to in all of the benefits which might choose from the Collective Agreement in effect between the Union and the Board, for up to six (6) months following the expiration of sick leave bank. The Board agrees to continue to pay its share of the applicable premiums, provided the employee contributes share of the premiums. Such continuance is dependent upon satisfying the An employee who is in receipt of benefits from the Long Disability Plan shall, upon written request, be entitled to continue to participate in all of the benefits which might choose from the Collective Agreement in effect between the Union and the Board, until reaches age The Board agrees to continue to pay all applicable premiums, provided the employee reimburses the Board in full. The employee agrees to provide the Board with post-dated cheques in advance, on an annual basis, for all benefits chooses to continue. Such continuance is dependent upon satisfying the carrier's conditions. Continuance of coverages referred to in Article as listed above is dependent upon the employee meeting the following requirements: must notify the Board in advance, in writing, of intentions to continue coverages, and provides the Board with the money needed to cover share of the applicable benefits prior to the pension earned under required billing Each school is to be supplied with smocks in accordance with the Ran for Credited Past Serviceand Credited FutureService up following: Elementary Schools a minimum of one (1) xxxxx Secondary Schools a minimum of three (3) smocks These smocks are to be used by the clerical staff when working on dirty jobs such as Ditto, etc. It is understood that these smocks will be left on the premises of the Employer at all times. The Employer agrees to provide each Bus Driver, Xxxxxxx and Warehouse Driver with appropriate uniforms as agreed to by the parties. The Employer further agrees to provide protective clothing to the date of termination. A terminated member may elect to have his pension commence to attaining age but not than age In case the pension be reduced so that it has a value equivalent to the full pension commencingat age This reduction will be a greater reduction than the reduction which applies a retires from active employment. Certain to this rule may apply the member's employment is terminated as a result of change, permanent job elimination, or permanent closureof the workplace. In of receiving a deferred pension commencing at a date, a member may elect to have the lump sum which is equivalent to the value of the deferred pension transferred to a LIP or to a future employer's pension plan, or to an insurance company. Within days following the end of each calendar year, each member shall receive a statement of the accrued benefits to which the member le entitled under the Plan at the end of that year. The pension plan is by a Board of comprised of two union representatives, and two company representatives. If you have any questions that are not in plan summary, please contact one of the Trustees: Xxxxxxx Xxxxx or Xxx In t I Corp. Canada Hourly Union Employees Industrial Wood Allied Workers This information booklet has been prepared to give you an informal summary of the main features of your group insurance program. This booklet is not an insurance policy, and does not grant or confer any contractual rights. All rights under this program shall be governed by the provisions of the Master Policy and by applicable law. Accidental Death and Dismemberment is provided by ACE Insurance. All other benefits outlined in this booklet are provided by Maritime Life. This booklet is for your reference. Please read it carefully and keep it for future use. TABLE OF CONTENTS ELIGIBILITY SUMMARY OF BENEFITS EMPLOYEE BASIC LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT EMPLOYEE OPTIONAL LIFE INSURANCE SPOUSE OPTIONAL LIFE INSURANCE WEEKLY DISABILITY INCOME SUPPLEMENTARY HEALTH EXPENSE EMERGENCY TRAVEL ASSISTANCE DENTAL EXPENSE BENEFIT GENERAL PROVISIONS WHEN YOUR INSURANCE STARTS EVIDENCE OF INSURABILITY WHEN YOUR INSURANCE TERMINATES COORDINATION OF BENEFITS ELIGIBLE DEPENDENTS CHANGE IN AMOUNTS OF INSURANCE CHANGE IN GOVERNMENT SPONSORED PROGRAMS DEFINITIONS HOW TO CLAIM TIME LIMITATIONS Canada Hourly Union Employees International Wood Allied Workers of Canada Local Policy Number: Plan Effective Date: September Plan description in this booklet outlines the current plan as of January Permanent, full-time employees will become eligible for coverage on the later of, the policy effective date, or following month of continuous, active employment. * months for dental coverage Retired employees are not eligible for coverage. Please refer to the General Provisions section in the back of this booklet for further information, including BASIC LIFE INSURANCE You are eligible of insurance. No-Evidence Limit: Evidence of insurability will not be required. Coverage terminates on the date you attain age or earlier retirement, whichever is earlier, and as outlined in the General Provisions sectionComputer Technician employees.