Common use of Pension Clause in Contracts

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan, a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. The Employer agrees to pay an amount of money, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Team, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension Team. A copy of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and is supervised by Boards a Board of Trustees. a. The Plan, a defined contribution, registered pension plan, which is registered . Registered with the Canada Customs and Revenue Agency (CCRA) and the Financial Services Commission of Ontario under (FSCO) as Pension Plan #0398594, applies to the Plan is designed for the benefit of all employees covered by under this Collective Agreement. a. 14.02 The Employer shall contribute to the Pension Plan, on behalf of each employee, the hourly amount described in Schedule “A” of this Agreement, beginning from the first day of employment. 14.03 The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction deduction, and remit to the Union’s Pension TeamBenefit Administration Office, voluntary employee pension contributions in addition to those contributions outlined aboveany other collective agreement Pension Plan contributions. Such amounts shall not exceed the limits established by the Canada Customs and Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension TeamBenefit Administration Office. c. A request for such voluntary pension deductions shall be submitted 14.04 The Employer's contributions to the Employer in a format provided by the Pension Team. A copy of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Health Fund and Pension Plan shall be recorded on electronically and submitted to the Union. The employer agrees to provide the following information: a. name of employee; b. total hours' worked during the month for which the remittance is made; x. xxxx of termination (where applicable); d. hourly rate of pay; e. total sum of Employer contributions. The Employer will forward to the Union's Benefit Administration Office monthly, not later than the fifteenth (15th) of each month, the remittance information in electronic format together with a remittance form cheque for the total amount of contributions for the Health Fund, Pension Plan and other Union Benefit Trust Funds. 14.05 All money being earned by the employee, such as the Employers' contribution to the Benefit Plan, as well as deductions made off the employee's wages, such as Union dues, Vacation Pay, and Pension is a Trust Fund in the same manner as 13.03hands of the Employer until the money is paid to the Union. 14.04 Where 14.06 When legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that the employee would have received is if he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 13.01 The Employer agrees Company and the Union agree to give full cooperation to CLAC’s the Union Pension Team Plan registered with the Financial Securities Commission of Ontario as Pension Plan #0398594 for pension benefits the benefit of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is , maintained and administered by the Union and supervised by Boards a Board of Trustees, provides for a certain amount of pension income. a. 13.02 The Plan, a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. The Employer Company agrees to pay an the amount of money, as outlined under specified on Schedule "A", " to the Union’s Union Pension Team Plan for each hour worked by each employee covered under this Agreement, Agreement as an irrevocable contribution to the Union's Pension Plan. Allocation . 13.03 The Company's contribution to the Union's Pension Plan shall be recorded on a remittance sheet supplied by the Union. On these sheets, the Company will be as set out on Schedule "A", attached hereto and made part hereofenter: a. name of employee; b. total hours worked during the month for which the remittance is made; x. xxxx of hire for new employees only; d. date of termination (where applicable); e. address for new employee only; f. date of birth for new employees only; g. telephone number for new employees only. The Company will forward two (2) copies of the remittance sheet plus accompanying cheque to the Union not later than the fifteenth of the following month. b. 13.04 The Employer agrees to deduct an additional amount by way of payroll deduction and remit to the Union’s Pension Team, Union‟s Benefit Administration Office as voluntary employee pension contributions over and above the contributions noted in addition to those contributions outlined above. Schedule A. Such amounts shall not exceed the limits established by Canada Customs & Revenue Agency. These monies will be recorded separately on the Employer’s Employer‟s monthly remittance to the Pension Team. c. Benefit Administration Office. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension TeamBenefit Administration Office. A copy of the completed form shall be sent to the Pension Team by the Employer Benefit Administration Office with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per Employees may change, commence or terminate their voluntary additional contributions effective January 1 and July 1 of every year. 14.03 The Employer’s contribution to 13.05 Two amounts above the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out mandatory amounts contained in this Article, the Employer shall not Collective Agreement may be obligated to contribute toward the cost of pension benefits provided determined by the Plan nor be responsible for providing such benefitsUnion and chosen by any employee. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan, a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. The b. For all employees, the Employer agrees to pay an amount of money, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. c. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Team, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. d. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension Team. A copy of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 14.02 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 14.03 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 14.04 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. 13.01 The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan), a defined contribution, registered contribution pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, Agency. The Plan applies to all employees covered by this Collective Agreement. a. 13.02 New employees will join the Plan upon completion of probation. Contributions shall begin at the commencement of the next pay period. 13.03 The Employer shall remit to the Union, for each eligible employee, an Employer contribution as indicated in Schedule “A”. Employer contributions will vest in accordance with the rules of the Plan. 13.04 The Employer’s contributions to the Plan will be non- refundable to the Employer once received by the Union and will vest immediately in the employee on whose behalf the deposit was made. 13.05 The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction deduction, and remit to the Union’s Pension Team, additional voluntary employee pension contributions in addition to which are above and beyond those contributions outlined above. Such amounts shall Employees must request such deductions by submitting a form provided by the Union to the Employer. The Employer will send a copy of the completed form to the Union along with the next remittance which includes such voluntary contributions. 13.06 The total amount of pension contributions remitted by the Employer, on an employee’s behalf, cannot exceed the limits established annual maximum money purchase outlined by the Canada Revenue Agency. These monies The Employer has no obligation to monitor the employee’s contribution made outside the employment relationship. For greater clarity, if employees exceed the annual maximum money purchase limit as a result of contributions made outside the employment relationship, the Employer shall not be liable for any tax consequence imposed on the employee by the Canadian Revenue Agency. 13.07 The Employer shall continue pension contributions during a period of injury insured under provincial workplace safety insurance legislation, to the extent required by such legislation. 13.08 The Employer will remit pension contributions to the Union as outlined in the Remittances to the Union article. Employer and voluntary contributions, as the case may be, will be recorded separately on the Employer’s monthly remittance to the Pension Teamremittance. c. A request for such voluntary pension deductions shall be submitted to 13.09 In the Employer in event that a format provided remittance has not been received by the Pension Team. A copy of the completed form shall be sent to the Pension Team Union by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as date set out in this Articlethe Remittances to the Union article, the Employer shall not be obligated is responsible to contribute toward compensate the cost of pension benefits provided Plan for any investment returns lost by the Plan nor be responsible for providing such benefits. 14.06 The Employer and employees as a result of the Union will cooperate in providing this information required to administer the Plan on the employees’ behalflate remittance. The Plan staff This compensation amount shall be responsible for informing calculated on all applicable contributions which are part of the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balanceremittance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The 15.01 CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan), a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. The 15.02 New employees will join the Plan beginning from the first day of employment. 15.03 Each pay period, the Employer agrees to pay will remit an amount of money, as outlined under Schedule "“A", to the Union’s Pension Team ” for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to . Employer contributions will vest in accordance with the rules of the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. 15.04 The Employer agrees to deduct deduct, by way of payroll deduction deduction, and remit to the Union’s Pension Team, Union additional voluntary employee pension contributions in addition to which are above and beyond those contributions outlined abovein Articles 15.03. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in on a format form provided by the Pension Team. A Plan and a copy of the completed form shall be sent to the Pension Team by the Employer Union along with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 15.05 The Employer’s contribution contributions to the Union's Pension Plan will be non- refundable to the Employer once received by the Union and will vest immediately in the employee on whose behalf the deposit was made. 15.06 The total amount of pension contributions remitted by the Employer, on an employee’s behalf, cannot exceed the annual maximum money purchase outlined by the Canada Revenue Agency. The Employer has no obligation to monitor the employee’s contribution made outside the employment relationship. For greater clarity, if the employee exceeds the annual maximum money purchase limit as a result of contributions made outside the employment relationship, the Employer shall not be liable for any tax consequence imposed on the employee. 15.07 The Employer has an obligation to continue pension contributions during a period of injury insured under applicable provincial workplace safety insurance legislation, to the extent required by such legislation. 15.08 The Employer will remit pension contributions to the Union as outlined in Article 7. Employer and voluntary contributions will be recorded separately on the remittance. 15.09 In the event that a remittance has not been received by the Union by the date set out in Article 7, the Employer is responsible to compensate the Plan for any investment returns lost by the employees as a result of the late remittance. This compensation amount shall be recorded calculated on a remittance form in all applicable contributions which are part of the same manner as 13.03remittance. 14.04 15.10 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount contributions in Schedule “A” Article 15.03 will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is if he/she were still contributing to the Plan. 14.05 15.11 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor or be responsible for providing such benefits. 14.06 15.12 The Employer and the Union will cooperate in providing this the information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance. 15.13 The Employer agrees to provide the Union with the social insurance number and current address of all employees on whose behalf contributions are being remitted.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan, a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. The For employees who have successfully completed their probationary period as outlined in Article 5.03, the Employer agrees to pay an amount of money, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Team, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension Team. A copy of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 13.01 The Employer agrees and the Union agree to give full cooperation to CLAC’s the Union Pension Team Plan registered with the Ontario Pension Commission as Pension Plan 0398594 for pension benefits the benefit of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is , maintained and administered by the Union and supervised by Boards a Board of Trustees, provides for a certain amount of pension income. a. The Plan, a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. 13.02 The Employer agrees to pay an amount of money, as outlined under Schedule "A", one dollar and ninety-five cents ($1.95) to the Union’s Union Pension Team Plan for each hour worked by each employee covered under this Agreement, agreement as an irrevocable contribution to the Union's Pension Plan. Allocation The Employer agrees to deduct thirty cents (30¢) per hour per employee in addition to the above. The Employer will continue to make contributions to the Union Pension Plan for employees who continue to be employed past age 65 up to age 69. 13.03 The combined Employer and employee contributions to the Union's Pension Plan shall be recorded on a remittance sheet supplied by the Union. On these sheets, the Company will be as set out on Schedule "A", attached hereto and made part hereofenter: 1. Name of Employee; 2. Total hours worked during the month for which the remittance is made; 3. Date of hire for new employees only; 4. Date of termination (where applicable); 5. Address for new employees only; 6. Date of birth for new employees only; 7. Telephone number for new employees only. The Employer will forward two copies of the remittance sheet plus accompanying cheque to the Union not later than the fifteenth of the following month. b. 13.04 The Employer agrees to deduct by way of payroll deduction and remit contribute to the Union’s Pension TeamBenefit Administration Office, voluntary employee pension contributions in addition to those contributions outlined aboveany other collective agreement pension plan contributions. Such amounts shall not exceed the limits established by Canada Revenue AgencyCanada. These monies will be recorded separately on the Employer’s monthly remittance to the Pension TeamBenefit Administration Office. c. 13.05 A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension TeamBenefit Administration Office. A copy of the completed form shall be sent to the Pension Team by the Employer Benefit Administration Office with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team Benefit Administration Office for the pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards a Board of Trustees. a. The CLAC Pension Plan, a defined contribution, registered pension plan, which is money purchase plan registered with the Canada Revenue Agency Agency, and the Financial Services Commission of Ontario Ontario, under registration #0398594, applies to all employees covered by this Collective Agreement. a. b. Employer contributions to the CLAC Pension Plan will vest in accordance with the rules of the Plan. c. The employees shall be informed about the Plan and will receive statements showing their account balance, including details of all contributions received, and all earnings/losses allocated. 14.02 The Employer agrees to pay an amount of money, as outlined under Schedule "A", " to the Union’s Pension Team Benefit Administration Office for each hour worked by each non-probationary employee covered under this Agreement, Agreement as an irrevocable contribution to the Pension Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. 14.03 The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension TeamBenefit Administration Office, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension TeamBenefit Administration Office. c. 14.04 A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension TeamBenefit Administration Office. A copy of the completed form shall be sent to the Pension Team Benefit Administration Office by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 14.05 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form remitted, together with other Union funds, by the 15th of the following month and in the same manner as 13.03outlined in Article 7. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 a) The Employer agrees to give full cooperation contribute the pension amount set out in Schedules “A” and “B” to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The the CLAC Pension Plan (“the Pension Plan”) is maintained and administered ), governed by the Union and supervised by Boards CLAC Pension Plan Board of Trustees, for each employee, for all hours worked. a. b) The Plan, Pension Plan is a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. c) The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Teamdeduction, voluntary employee pension contributions in addition to which are above and beyond those contributions outlined abovespecified in Schedules “A” and “B”. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in on a format form provided by the Pension Team. A Plan and a copy of the completed form shall be sent to the Pension Team by the Employer Union along with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 d) The Employertotal amount of all contributions remitted by the Employer on an employee’s behalf (employer and employee voluntary), cannot exceed the annual maximum money purchase contribution to limits outlined by the Union's Pension Plan shall Canada Revenue Agency. e) Employer and employee voluntary contributions will be recorded separately on a remittance form in the same manner as 13.03remittance. 14.04 f) Where legislation prohibits an employee Employer from contributing to the Pension Plan because of an employee’s age, an amount equivalent to the pension amount contributions outlined in Schedule Schedules “A” and “B” will be paid to that employee on each paycheque. This payment payment, in-lieu of pension contributions RSP and Pension Plan contributions, will not be less than the amount that employee would have received is if he/she were still contributing to the Planplan. 14.05 The g) In the event that a remittance has not been received by the Union acknowledges and agrees that, other than remitting contributions to by the Plan as date set out in this ArticleArticle 25, the Employer shall not be obligated is responsible to contribute toward compensate the cost of pension benefits provided plan for any investment returns lost by the Plan nor employees as a result of the late remittance. This compensation amount shall be responsible for providing such benefitscalculated on all applicable contributions which are part of the remittance. 14.06 h) The Employer and the Union will cooperate in providing this the information required to administer the Pension Plan on the employees’ behalf. The Pension Plan staff shall be responsible for informing the employees about the Planplan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 a) The Employer agrees to give full cooperation contribute the pension amount set out in the Wage Schedules to the CLAC Pension Plan (“Pension Plan”), governed by the CLAC Pension Plan Board of Trustees, for each employee, for all hours worked. b) Each employee shall make a two percent (2%) contribution, as outlined in the Wage Schedules, to the CLAC Pension Plan for all hours worked via payroll deduction. Any employee who completes the CLAC Pension Plan Participation Opt Out form, on file with the Employer, may opt out of making employee contributions to the Pension Plan; however, by doing so, they will forego two percent (2%) of the Employer’s contribution outlined in the Wage Schedules. Employees who opt out may be required to wait up to half a year before the Employer is required to reactivate matching contributions and deductions. Employees may opt back into the CLAC Pension Plan January 1st and July 1st of each year at which time Employer contributions will also be reactivated. c) The Christian Labour Association of Canada (CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The CLAC ) Pension Plan (“the Plan”) is maintained and ), a registered defined contribution pension plan, administered by the Union and supervised by Boards CLAC Pension Plan Board of Trustees. a. The Plan, a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. d) The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Teamdeduction, voluntary employee pension contributions in addition to which are above and beyond those contributions outlined abovespecified in the Wage Schedules. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in on a format form provided by the Pension Team. A Plan and a copy of the completed form shall be sent to the Pension Team by the Employer Union along with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall e) Employer and employee voluntary contributions will be recorded separately on a remittance form in the same manner as 13.03remittance. 14.04 f) Where legislation prohibits an employee Employer from contributing to the Pension Plan because of an employee’s age, an amount equivalent to the pension amount contributions outlined in Schedule “A” the Wage Schedules will be paid to that employee on each paycheque. This payment payment, in-lieu of pension contributions contributions, will not be less than the amount that employee would have received is if he/she were still contributing to the Pension Plan. 14.05 The g) In the event that a remittance has not been received by the Union acknowledges and agrees that, other than remitting contributions to by the Plan as date set out in this ArticleArticle 25, the Employer shall not be obligated is responsible to contribute toward compensate the cost of pension benefits provided Pension Plan for any investment returns lost by the Plan nor employees as a result of the late remittance. This compensation amount shall be responsible for providing such benefitscalculated on all applicable contributions which are part of the remittance. 14.06 h) The Employer and the Union will cooperate in providing this the information required to administer the Pension Plan on the employees’ behalf. The Pension Plan staff shall be responsible for informing the employees about the Pension Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees Pension Plan, known as the Pen- sion Plan,” described under the heading “Pension Plan” at pages and of the Collective Agreement covering Pressmen and Paperhandlers between Toronto Star Newspa- pers Limited (the “Employer”) and the Printing and Graphic Communications Union No. N-l (the effective Jan- uary to give full cooperation December shall be continued solely for purpose of providing for the payment of pensions, deferred vested pensions and other benefits under the terms thereof to CLAC’s members or former or their beneficiaries who, by reason of termination of employment or death, were receiving such payments or were entitled to deferred vested pensions prior to the date of the signing of the Collective Agreement covering the period January to December 3 No employee governed by this Collec- tive Agreement shall be eligible to in the Pension Team for Plan or to receive a pension thereunder on or after such date and no pension benefits, other than deferred vested pensions to which former employees had theretofore become entitled, shall commence to be paid or payable under the Pension on or after the date of the signing of the Collective Agreement covering the period January to December All regular situation-holders, priority substitutes and Apprentices as at the date of the signing of the Collective Agreement the period January to have been and are required to join the Toronto Star Pension Plan as non-contributory members thereof upon of the requirements of that. Plan. An employee shall retire from the employment upon attaining age or as be specified in the Toronto Star Pension Plan as amended from time to time, unless such is by mutual agreement among the Employer, the employee and the Union. The pension benefits of all employees covered payable under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan, a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. The Employer agrees to pay an amount of money, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Team, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension Team. A copy of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Toronto Star Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing to the integrated with those payable under The Canada Pension Plan. ‘The actual integrated Toronto Star Pension Plan/Canada Pension Plan because pension benefits payable upon retirement at age to a non-contributory member of age, an amount equivalent the Toronto Plan who is governed by this Collective Agreement and who elects a normal ten-year guaranteed pen- sion benefit shall be equal to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less or greater than the amount that employee level of Cana- da Pension Plan benefits which would have received is been payable to such employee had he/she were still contributing to retired at age or thereafter on the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to date of the Plan as set out signing of this Collective Agreement a pen- sion in this Article, the Employer shall not amount which would be obligated to contribute toward the cost equivalent of pension benefits provided that pro- vided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and application of the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.following formula:

Pension. 14.01 a) The Employer agrees to give full cooperation contribute the pension amount set out in the applicable Wage Schedule, for each employee hours worked. This contribution will be remitted to CLAC’s the applicable CLAC Remittance Team. b) New employees will join the Pension Team immediately. c) The Employer agrees to match the following contribution amounts to the Pension Plan for pension benefits all hours worked by each employee, via payroll deduction. 1 up to 4,999 continuous hours worked 2% after 5,000 continuous hours worked 2.5% after 10,000 continuous hours worked 3% after 20,000 continuous hours worked Continuous hours (hours are defined as all regular and overtime hours) shall be deemed continuous unless the rrupted for a period of all employees covered under this Agreementgreater than six (6) months. Any employee who completes the CLAC Pension Participation Opt Out form, and submits that form to the Employer, may opt out of the additional Pension Plan participation and as such will forego the matching . Employees who opt out may be required to wait up to one year before the Employer can be required to reactivate matching contributions and deductions. The Employer, in consultation with the Union, will establish dates on which Employees who have opted out of the program may reapply. These dates will be defined in the Opt Out Form. d) The Christian Labour Association of Canada (CLAC) Pension Plan registered defined contribution pension plan governed by the CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards Board of Trustees. a. The Plan, a defined contribution, registered pension plan, which is and registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. e) The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction deduction, and remit to the Union’s Pension applicable CLAC Remittance Team, voluntary employee pension contributions in addition to which are above and beyond those contributions outlined abovein a). Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by on the CLAC Pension TeamPlan - Additional Voluntary Contribution Form. A copy of the completed form shall be sent to the Pension CLAC Retirement Team by the Employer along with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall f) Employer and employee voluntary contributions will be recorded separately on the remittance. g) In the event that a remittance form has not been received by the Union by the date set out in Article 25, the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing Employer is responsible to compensate the Pension Plan because for any investment returns lost by the employees as a result of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paychequelate remittance. This payment in-lieu of pension contributions will not be less than the compensation amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing calculated on all applicable contributions which are part of the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balanceremittance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan, a defined contribution, contribution registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all non- probationary employees covered by this Collective Agreement. a. 14.02 New employees will join the pension plan upon completion of probation. Contributions shall begin at the commencement of the next pay period. 14.03 Each month, the Employer shall remit to the Union, for each eligible employee, an Employer contribution to the plan as described in Schedule “A”. Employer contributions will vest in accordance with the rules of the plan. 14.04 The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction deduction, and remit to the Union’s Pension Team, additional voluntary employee pension contributions in addition to which are above and beyond those contributions outlined abovein Schedule “A”. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in on a format form provided by the Pension Team. A Plan and a copy of the completed form shall be sent to the Pension Team by the Employer Union along with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 14.05 The Employertotal amount of all contributions remitted by the Employer on an employee’s behalf (employer and voluntary), shall not exceed the annual maximum money purchase contribution limits outlined by the Canada Revenue Agency. 14.06 The Employer will remit all contributions to the Union's Pension Plan shall Union within fifteen (15) days following the end of the month for which contributions are payable, together with an itemized list of the employees and the amounts applicable to each. Employer and voluntary contributions will be recorded separately on a remittance form in the same manner as 13.03remittance. 14.04 14.07 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount Employer contributions in Schedule “A” Article 14.03 will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is if he/she were still contributing to the Planplan. 14.05 14.08 The Union acknowledges and agrees that, other than remitting contributions to the Plan plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost and administration of pension benefits provided by the Plan nor plan or be responsible for providing such benefits. 14.06 14.09 The Employer and the Union will cooperate in providing this the information required to administer the Plan plan on the employees’ behalf. The Plan plan staff shall be responsible for informing the employees about the Planplan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance. 14.10 All money being earned by the employee, such as the Employers' contribution to the Health Benefit Plan, as well as deductions made from Employees’ wages, such as Union dues, Vacation Pay, and voluntary Pension contributions, is a Trust Fund in the hands of the Employer until the money is paid to the Union. 14.11 The Union shall indemnify and hold harmless the Employer against any and all claims made against, and liability of any nature incurred by the Employer by reason of any amounts deducted from the employee’s pay and remitted to the Union’s Benefit Administration Office as provided in this article. The Employer’s sole obligation under this article shall be limited to making the payment as particularized above.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. 13.01 The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan), a defined contribution, registered pension plan, which is money purchase plan registered with the Canada Revenue Agency Agency, and the Financial Services Commission of Ontario Ontario, under registration #0398594, applies to all employees covered by this Collective Agreement. a. 13.02 New employees will join the Plan immediately upon completing three (3) months of employment. 13.03 The Employer agrees to pay contribute an amount of money, as outlined under Schedule "set out in Schedules “A", to the Union’s Pension Team ” for each hour worked by toward each employee covered under this Agreement, employee’s participation in the Union Pension Plan registered with the Canada Customs and Revenue Agency (CCRA) and the Financial Services Commission of Ontario (FSCO) as an irrevocable Pension Plan #0398594. 13.04 Covered wages shall be defined as gross wages. 13.05 The Employer will remit the employees’ and the Employer's contribution to the PlanPlan so that it is received by the Plan within fifteen (15) days following the end of the month for which contributions are payable, together with an itemized list of the employees and the amounts applicable to each. Allocation to When the Union's Pension Plan will be as has not received the remittances by the date set out above, the Employer is responsible to compensate the Plan for all pension earnings lost by the Employer’s employees as a result of the late remittance. This compensation amount shall be calculated on Schedule "A"all contributions (employer, attached hereto employee and made voluntary, if applicable) which are part hereofof the remittance. b. 13.06 The Employer and the Union will cooperate in providing the information required to administer the Plan on the employees’ behalf. The Plan shall be responsible for informing the employees about the Plan including statements to each employee, showing their account balance, including details of all contributions received, and all earnings/losses allocated. 13.07 The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension TeamPlan, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension Team. A copy of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.Article 13

Pension. 14.01 13.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan, a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. The For all employees, the Employer agrees to pay an amount of money, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Team, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension Team. A copy of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 13.03 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.036.01. 14.04 13.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 13.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 13.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team Benefit Administration Office for the pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards a Board of Trustees. a. The CLAC Pension Plan, a defined contribution, registered pension plan, which is money purchase plan registered with the Canada Revenue Agency Agency, and the Financial Services Commission of Ontario Ontario, under registration #0398594, applies to all employees covered by this Collective Agreement. a. b. Employer contributions to the CLAC Pension Plan will vest in accordance with the rules of the Plan. c. The employees shall be informed about the Plan and will receive statements showing their account balance, including details of all contributions received, and all earnings/losses allocated. 14.02 The Employer agrees to pay an amount of money, as outlined under Schedule "A", " to the Union’s Pension Team Benefit Administration Office for each hour worked by each employee covered under this Agreement, Agreement as an irrevocable contribution to the Pension Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. 14.03 The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension TeamBenefit Administration Office, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension TeamBenefit Administration Office. c. 14.04 A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension TeamBenefit Administration Office. A copy of the completed form shall be sent to the Pension Team Benefit Administration Office by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 14.05 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form remitted, together with other Union funds, by the 15th of the following month and in the same manner as 13.03outlined in Article 7. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan, a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. The b. For all employees, the Employer agrees to pay an amount of money, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. c. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Team, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. d. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension Team. A copy of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 14.02 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 14.03 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 14.04 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 14.05 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. 13.01 The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan), a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. 13.02 New employees will join the Plan upon completion of probation. Contributions shall begin at the commencement of the next pay period. 13.03 Each pay period, the Employer shall remit to the applicable CLAC Remittance Team, for each eligible employee, an Employer contribution to the Plan as described in Schedule “A”. 13.04 The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction deduction, and remit to the Union’s Pension applicable CLAC Remittance Team, additional voluntary employee pension contributions in addition to which are above and beyond those contributions outlined abovein Schedule “A”. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in on a format form provided by the Pension Team. A Plan and a copy of the completed form shall be sent to the Pension Team by the Employer Union along with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution contributions to the Union's Pension Plan will be non- refundable to the employer once received by the applicable CLAC Remittance Team and will vest immediately in the employee on whose behalf the deposit was made. The total amount of pension contributions remitted by the Employer, on an employee’s behalf, cannot exceed the annual maximum money purchase outlined by the Canada Revenue Agency. The employer has no obligation to monitor the employee’s contribution made outside the employment relationship. For greater clarity, if the employee exceeds the annual maximum money purchase limit as a result of contributions made outside the employment relationship, the employer shall not be liable for any tax consequence imposed on the employee. 13.05 The Employer has an obligation to continue pension contributions during a period of injury insured under applicable provincial workplace safety insurance legislation, to the extent required by such legislation. 13.06 The Employer will remit pension contributions to the applicable CLAC Remittance Team as outlined in Schedule “A”. Employer, employee and voluntary contributions will be recorded separately on the remittance. 13.07 In the event that a remittance has not been received by the Union by the date set out in Article 6.02, the Employer is responsible to compensate the Plan for any investment returns lost by the employees as a result of the late remittance. This compensation amount shall be recorded calculated on a remittance form in all applicable contributions which are part of the same manner as 13.03remittance. 14.04 13.08 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount contributions in Schedule “A” Article 13.03 will be paid to that employee on each paychequepay cheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is if he/she were still contributing to the Plan. 14.05 13.09 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor or be responsible for providing such benefits. 14.06 13.10 The Employer and the Union will cooperate in providing this the information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance. 13.11 The Employer agrees to provide the Union with the name, date of birth, social insurance number and current address of all employees on whose behalf contributions are being remitted.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The 12.01 CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan), a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under as #0398594, applies to all employees covered by this Collective Agreement, subject to Article 6.01. a. 12.02 The Employer will remit amounts as outlined in Schedule A, below. 12.03 The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction deduction, and remit to the Union’s Pension Team, Union additional voluntary employee pension contributions in addition to which are above and beyond those contributions outlined above. Such amounts shall in Schedule A. 12.04 The Employer’s contributions to the Plan will be non- refundable to the Employer once received by the Union and will vest immediately in the employee on whose behalf the deposit was made. 12.05 The total amount of pension contributions remitted by the Employer, on an employee’s behalf, cannot exceed the limits established annual maximum money purchase outlined by the Canada Revenue Agency. These monies will The Employer has no obligation to monitor the employee’s contribution made outside the employment relationship. For greater clarity, if the employee exceeds the annual maximum money purchase limit as a result of contributions made outside the employment relationship, the Employer shall not be recorded separately liable for any tax consequence imposed on the Employer’s monthly remittance employee. 12.06 The Employer has an obligation to continue pension contributions during a period of injury insured under applicable provincial workplace safety insurance legislation, to the Pension Teamextent required by such legislation. c. A request 12.07 In the event that a remittance has not been received by the Union by the date set out in Article 7, the Employer is responsible to compensate the Plan for such voluntary pension deductions any investment returns lost by the employees as a result of the late remittance. This compensation amount shall be submitted to the Employer in a format provided by the Pension Team. A copy calculated on all applicable contributions which are part of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per yearremittance. 14.03 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 12.08 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor or be responsible for providing such benefits. 14.06 12.09 The Employer and the Union will cooperate in providing this the information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance. 12.10 Where legislation prohibits an employee from contributing because of age, an amount equivalent to the contributions in Schedule A will be paid to that employee. This payment in-lieu of pension contributions will not be less than the amount that employee would have received if he/she were still contributing to the Plan. This amount will not be used in the hourly rate or calculation of overtime, and will not be included for any other matter/reason, other than simply providing the employee with the contribution amount.

Pension. 14.01 a) The Employer agrees to give full cooperation contribute the amount set out in Schedule A and B to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The the CLAC Pension Plan (“the Pension Plan”) is maintained and administered ), governed by the Union and supervised by Boards CLAC Pension Plan Board of TrusteesTrustees for each employee, for all hours worked. a. b) The Employer agrees to contribute two percent (2%) to the Pension Plan, for each employee, for all hours worked and each employee shall also contribute a two percent (2%) matching amount to the Pension Plan for all hours worked, via payroll deduction. Any employee who completes the CLAC Pension Plan Participation Opt Out form, on file with the Employer, may opt out of the Pension Plan participation and as such will forego the two percent (2%) Employer’s contribution and will not be required to contribute two percent (2%) of their wages. Employees who opt out may be required to wait up to six months before the Employer can be required to reactivate matching contributions and deductions. The Employer, in consultation with the Union, will establish dates on which Employees who have opted out of the program may reapply. These dates will be defined in the Opt Out Form. c) The Pension Plan is a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. d) The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Teamdeduction, voluntary employee pension contributions in addition to those contributions outlined abovecontributions. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in on a format form provided by the Pension Team. A Plan and a copy of the completed form shall be sent to the Pension Team by the Employer Union along with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall e) Employer and employee voluntary contributions will be recorded on the remittance. f) In the event that a remittance form has not been received by the Union by the date set out in Article 25, the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing Employer is responsible to compensate the Pension Plan because for any investment returns lost by the employees as a result of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paychequelate remittance. This payment in-lieu compensation amount shall be calculated on all applicable contributions which are part of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Planremittance. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 g) The Employer and the Union will cooperate in providing this the information required to administer the Pension Plan on the employees’ behalf. The Pension Plan staff shall be responsible for informing the employees about the Pension Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan, a defined contribution, contribution registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all non- probationary employees covered by this Collective Agreement. a. 14.02 New employees will join the pension plan upon completion of probation. Contributions shall begin at the commencement of the next pay period. 14.03 Each month, the Employer shall remit to the Remittance Processing Centre (RPC), for each eligible employee, an Employer contribution to the plan as described in Schedule “A”. Employer contributions will vest in accordance with the rules of the plan. 14.04 The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction deduction, and remit to the Union’s Pension TeamRPC, additional voluntary employee pension contributions in addition to which are above and beyond those contributions outlined abovein Schedule “A”. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in on a format form provided by the Pension Team. A Plan and a copy of the completed form shall be sent to the Pension Team by the Employer RPC along with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 14.05 The Employertotal amount of all contributions remitted by the Employer on an employee’s behalf (employer and voluntary), shall not exceed the annual maximum money purchase contribution limits outlined by the Canada Revenue Agency. 14.06 The Employer will remit all contributions to the Union's Pension Plan shall RPC within fifteen (15) days following the end of the month for which contributions are payable, together with an itemized list of the employees and the amounts applicable to each. Employer and voluntary contributions will be recorded separately on a remittance form in the same manner as 13.03remittance. 14.04 14.07 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount Employer contributions in Schedule “A” Article 14.03 will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is if he/she were still contributing to the Planplan. 14.05 14.08 The Union acknowledges and agrees that, other than remitting contributions to the Plan plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost and administration of pension benefits provided by the Plan nor plan or be responsible for providing such benefits. 14.06 14.09 The Employer and the Union will cooperate in providing this the information required to administer the Plan plan on the employees’ behalf. The Plan plan staff shall be responsible for informing the employees about the Planplan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance. 14.10 All money being earned by the employee, such as the Employers' contribution to the Health Benefit Plan, as well as deductions made from Employees’ wages, such as Union dues, Vacation Pay, and voluntary Pension contributions, is a Trust Fund in the hands of the Employer until the money is paid to the Union. 14.11 The Union shall indemnify and hold harmless the Employer against any and all claims made against, and liability of any nature incurred by the Employer by reason of any amounts deducted from the employee’s pay and remitted to the Union’s Benefit Administration Office as provided in this article. The Employer’s sole obligation under this article shall be limited to making the payment as particularized above.

Pension. 14.01 12.01 The Employer will pay into the Laborers' Pension Fund of Western Canada the amount specified in the GPC Wage and Benefit Schedule for Local 92 and any increases thereto for all regular hours worked by Employees covered by this Agreement. The Employer agrees to give full cooperation to CLAC’s Pension Team contribute for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained each, and administered by the Union and supervised by Boards of Trustees. a. The Plan, a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. The Employer agrees to pay an amount of money, as outlined under Schedule "A", to the Union’s Pension Team for each every regular hour worked by each employee covered an Employee under this the job classifications set out in the Agreement, as an irrevocable contribution . Contributions shall be made on the basis of full or half hours and shall be made on the basis of hours worked. 12.02 All payments shall be made not later than the fifteenth (15th) day of the month following the month for which the payment is to be made. 12.03 Payment to be forwarded to the Plan. Allocation Laborers' Pension Fund of Western Canada located at: or such other place as the Trustees may designate from time to time. 12.04 Either of the parties to this Agreement may request the Trustees of the above Fund to authorize an independent inspection of the Employer's pay records and the Employer hereby agrees to any such inspection. 12.05 Notwithstanding any provision of this Collective Agreement or of any other document, including any document respecting the establishment or administration of the said Fund, the Employer's liability to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Team, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension Team. A copy of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests said Fund shall be limited to two (2) changes/adjustments per yearremittance of the above noted contributions in the manners and at the times set out herein. 14.03 The 12.06 Where an Employee performs work that would require the Employer to contribute hourly contributions to the Laborers' Pension Fund of Western Canada in the amount specified in this Collective Agreement then the Employer shall keep, and shall be deemed to have kept, such an amount separate and apart from their own monies and shall be deemed to hold the sum so deducted in Trust on behalf of Employees until the Employer has paid such monies to the applicable Trust Fund. Further, in the event of any liquidation, assignment, or bankruptcy of the Employer, an amount equal to the amount that is owed to the applicable Trust Fund by the Employer on whose behalf Employees have performed work entitling them to receive contributions to the Fund as is herein before provided for, is deemed to be held in Trust for the Trustees of this Trust Fund and such a Fund shall be deemed to be separate from, and form no part of, the estate in liquidation, assignment, or bankruptcy, whether or not that amount has in fact been kept separate and apart from the Employer's own money or from the assets of the estate. 12.07 Pension contributions shall not be payable in respect of a Member on or after November 30th of the calendar year in which the Member attains the age of seventy- one (71) years or such other maximum age prescribed under Canada’s Income Tax Act. Such monies that would have otherwise been payable on behalf of the Member as pension contributions shall be paid directly to the Member as a separate hourly payment exclusive of other wage-related earnings. (For clarity purposes, the payment is equal to the number of hours worked, multiplied by the pension contribution otherwise payable). This provision will be applicable to all union pensioners working under this agreement, including pensioners under the age of 71, that will be required to produce documentation satisfactory to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 a) The Employer agrees to give full cooperation contribute the pension amount set out in Schedule “A” to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The the CLAC Pension Plan (“the Pension Plan”) is maintained and administered ), governed by the Union and supervised by Boards CLAC Pension Plan Board of Trustees, for each employee, for all hours worked. a. b) The Plan, Pension Plan is a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. c) The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension Teamdeduction, voluntary employee pension contributions in addition to those contributions outlined abovecontributions. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in on a format form provided by the Pension Team. A Plan and a copy of the completed form shall be sent to the Pension Team by the Employer Union along with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall d) Employer and employee voluntary contributions will be recorded separately on a remittance form in the same manner as 13.03remittance. 14.04 e) Where legislation prohibits an employee Employer from contributing to the Pension Plan because of an employee’s age, an amount equivalent to the pension amount contributions outlined in Schedule “A” will be paid to that employee on each paychequepay cheque. This payment payment, in-lieu of pension contributions contributions, will not be less than the amount that employee would have received is if he/she were still contributing to the Pension Plan. 14.05 The f) In the event that a remittance has not been received by the Union acknowledges and agrees that, other than remitting contributions to by the Plan as date set out in this ArticleArticle 28, the Employer shall not be obligated is responsible to contribute toward compensate the cost of pension benefits provided Pension Plan for any investment returns lost by the Plan nor employees as a result of the late remittance. This compensation amount shall be responsible for providing such benefitscalculated on all applicable contributions which are part of the remittance. 14.06 g) The Employer and the Union will cooperate in providing this the information required to administer the Pension Plan on the employees’ behalf. The Pension Plan staff shall be responsible for informing the employees about the Pension Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 13.01 The Employer agrees to give full cooperation to CLAC’s Pension Team Benefit Administration Office for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. 13.02 The CLAC Pension Plan, a defined contribution, contribution registered pension plan, which is Pension Plan registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. The Employer agrees to pay an amount of money, as outlined under Schedule "A", to the Union’s Pension Team Benefit Administration Office for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the PlanPension Plans. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction and remit to the Union’s Pension TeamBenefit Administration Office, voluntary employee pension contributions in addition to those contributions outlined above. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension TeamBenefit Administration Office. c. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension TeamBenefit Administration Office. A copy of the completed form shall be sent to the Pension Team Benefit Administration Office by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 13.04 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.0312.03. 14.04 13.05 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Pension Plan. 14.05 13.06 The Union acknowledges and agrees that, other than remitting contributions to the Pension Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Pension Plan nor be responsible for providing such benefits. 14.06 13.07 The Employer and the Union will cooperate in providing this information required to administer the Pension Plan on the employees’ behalf. The Pension Plan staff shall be responsible for informing the employees about the Pension Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan), a defined contribution, registered contribution pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, Agency. The Plan applies to all employees covered by this Collective Agreement. a. 14.02 The Employer shall remit to the Union, for each eligible employee, an Employer contribution as indicated in Schedule “A”. Employer contributions will vest in accordance with the rules of the Plan. 14.03 The Employer’s contributions to the Plan will be non- refundable to the Employer once received by the Union and will vest immediately in the employee on whose behalf the deposit was made. A credit will be issued to the Employer if a remittance overpayment occurs. 14.04 The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction deduction, and remit to the Union’s Pension Team, additional voluntary employee pension contributions in addition to which are above and beyond those contributions outlined above. Such amounts shall Employees must request such deductions by submitting a form provided by the Union to the Employer. The Employer will send a copy of the completed form provided by the Union to the Employer. The Employer will send a xxx of the completed form to the Union along with the next remittance which includes such voluntary contributions. 14.05 The total amount of pension contributions remitted by the Employer, on an employee’s behalf, cannot exceed the limits established annual maximum money purchase outlined by the Canada Revenue Agency. These monies The Employer has no obligation to monitor the employee’s contribution made outside the employment relationship. For greater clarity, if employees exceed the annual maximum money purchase limit as a result of contributions made outside the employment relationship, the Employer shall not be liable for any tax consequence imposed on the employee by the Canadian Revenue Agency. 14.06 The Employer shall continue pension contributions during a period of injury insured under provincial workplace safety insurance legislation, to the extent required by such legislation. 14.07 The Employer will remit pension contributions to the Union as outlined in the Remittances to the Union article. Employer, employee and voluntary contributions, as the case may be, will be recorded separately on the Employer’s monthly remittance to the Pension Teamremittance. c. A request for such voluntary pension deductions shall be submitted to the Employer in a format provided by the Pension Team. A copy of the completed form shall be sent to the Pension Team by the Employer with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 The Employer’s contribution to the Union's Pension Plan shall be recorded on a remittance form in the same manner as 13.03. 14.04 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount in Schedule “A” will be paid to that employee on each paycheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is he/she were still contributing to the Plan. 14.05 The Union acknowledges and agrees that, other than remitting contributions to the Plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor be responsible for providing such benefits. 14.06 The Employer and the Union will cooperate in providing this information required to administer the Plan on the employees’ behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance.

Pension. 14.01 The Employer agrees to give full cooperation to CLAC’s Pension Team for pension benefits of all employees covered under this Agreement. 13.01 The CLAC Pension Plan (“the Plan”) is maintained and administered by the Union and supervised by Boards of Trustees. a. The Plan), a defined contribution, registered pension plan, which is registered with the Canada Revenue Agency and the Financial Services Commission of Ontario under #0398594, applies to all employees covered by this Collective Agreement. a. 13.02 New employees will join the Plan upon completion of probation. Contributions shall begin at the commencement of the next pay period. 13.03 Each month, the Employer shall remit to the Remittance Processing Centre (RPC), for each eligible employee, an Employer contribution to the Plan as described in Schedule “A”. Employer contributions will vest in accordance with the rules of the Plan. 13.04 The Employer agrees to pay an amount of moneydeduct, as outlined under Schedule "A", to the Union’s Pension Team for each hour worked by each employee covered under this Agreement, as an irrevocable contribution to the Plan. Allocation to the Union's Pension Plan will be as set out on Schedule "A", attached hereto and made part hereof. b. The Employer agrees to deduct by way of payroll deduction deduction, and remit to the Union’s Pension TeamRPC, additional voluntary employee pension contributions in addition to which are above and beyond those contributions outlined abovein Schedule “A”. Such amounts shall not exceed the limits established by Canada Revenue Agency. These monies will be recorded separately on the Employer’s monthly remittance to the Pension Team. c. A request for such voluntary pension deductions shall be submitted to the Employer in on a format form provided by the Pension Team. A Plan and a copy of the completed form shall be sent to the Pension Team by the Employer RPC along with the first remittance of such additional voluntary contributions. Requests shall be limited to two (2) changes/adjustments per year. 14.03 13.05 The Employer’s total amount of all contributions remitted by the Employer on an employee's behalf (Employer and voluntary), shall not exceed the annual maximum money purchase contribution limits outlined by the Canada Revenue Agency. 13.06 The Employer will remit all contributions to the Union's Pension Plan shall RPC within fifteen (15) days following the end of the month for which contributions are payable, together with an itemized list of the employees and the amounts applicable to each. Employer and voluntary contributions will be recorded separately on a remittance form in the same manner as 13.03remittance. 14.04 13.07 Where legislation prohibits an employee from contributing to the Pension Plan because of age, an amount equivalent to the pension amount Employer contributions in Schedule “A” Article 13.03 will be paid to that employee on each paychequepay cheque. This payment in-lieu of pension contributions will not be less than the amount that employee would have received is if he/she were still contributing to the Plan. 14.05 13.08 The Union acknowledges and agrees that, other than remitting contributions to the Plan plan as set out in this Article, the Employer shall not be obligated to contribute toward the cost of pension benefits provided by the Plan nor or be responsible for providing such benefits. 14.06 13.09 The Employer and the Union will cooperate in providing this the information required to administer the Plan on the employees’ ' behalf. The Plan staff shall be responsible for informing the employees about the Plan, which includes providing updated account statements of all contributions received, investment returns allocated, and the current account balance. 13.10 All money being earned by the employee, such as the Employers' contribution to the Benefit Plan, as well as deductions made from Employees' wages, such as Union dues, Vacation Pay, and Pension, is a Trust Fund in the hands of the Employer until the money is paid to the Union. The Union shall indemnify and hold harmless the Employer against any and all claims made against, and liability of any nature incurred by the Employer by reason of any amounts deducted from the employee's pay and remitted to the Union's Benefit Administration Office as provided in this Article. The Employer's sole obligation under this Article shall be limited to making the payment as particularized above.