Municipal Pension Retirees Association. July Dear MPRA Plan Member: RE: INSURANCE PLAN RENEWAL SUMMARY & ANNOUNCEMENT SEPTEMBER 1,2016

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1 Municipal Pension Retirees Association 2475 Dobbin Road Unit 22 Suite 525 West Kelowna, Be V4T 2E9 Telephone: (250) July 2016 Dear MPRA Plan Member: RE: INSURANCE PLAN RENEWAL SUMMARY & ANNOUNCEMENT SEPTEMBER 1,2016 MPRA and the Plan Administrator, Johnson Inc. completed the annual renewal process for the insurance plans renewing on September 1, Below is a summary of the changes and new options that may be of interest to you. RATE CHANGES EFFECTIVE SEPTEMBER 1: All plans are negotiated on an annual basis and we are working to keep premium rates as low as possible while continuing to provide comprehensive coverage that provides the best value for our members. As a result of the negotiations, the following increases will be implemented effective September 1, 2016: Prestige Travel with Extended Health Care rates will be increasing by 13.4% Dental Care rates will remain the same PRESTIGE TRAVEL WITH EXTENDED HEALTH CARE PLAN HIGHLIGHTS Our existing plan provides great coverage and savings to meet the needs of many MPRA members, especially those who travel by providing the following unique benefits: Emergency travel coverage for multiple annual trips up to 62 days duration per trip Trip cancellation/interruption ($6,000 per trip) No medical required for travel coverage Coverage for sudden and unforeseen eligible medical travel expenses For the spouses and eligible dependents of MPRA members this plan continues to provide enhanced in province coverage over alternative options that may be available to you through the pension plan including: No annual deductible $250,000 lifetime maximum for in-province eligible expenses ($2,000,000 lifetime maximum for eligible travel expenses) Vision Care ($300 per 2 calendar years plus up to $100 towards 1 eye exam per 2 calendar years) Home Care benefit (after a hospital stay of at least 24 hours) Health Education benefit providing coverage for well ness, rehabilitation and other medically related educational programs THRIVE FLEXIBLE BENEFITS FOR RETIREES Many MPRA members have been asking for additional insurance options to meet their diverse and changing travel, extended health and dental insurance needs. As a result of these requests we have worked with Johnson Inc. to design a flexible benefit plan for retirees. Our new THRIVE offering will provide you with this flexibility. Members can choose between three comprehensive dental and/or health plans (sold separately). We encourage you to review these options at

2 For plan details, please contact Johnson Inc. toll-free at or by at pbservicewest@johnson.ca visit our website for additional information or Yours truly,

3 THRIVE Flexible Benefits for Retirees ;-. Plan Highlights If your members / employees do NOT have access to benefits before or after retirement. Johnson's Flexible Benefits for Retirees - THRIVEt - offers a choice of three comprehensive health and dental plans. The Thrive flexible retiree plans provide a wide range of coverage and are available to all Canadians, coast-to-coast. Enrollment is easy, competitively priced and fully portable. Coveraget:, Coverage Level~ Dental Care sold Separatel; Superior Enhanced Basic Extended I ealth Care (EHC) 90%coverage. Basicunlimited Minor restoration 5900fyear Major restoration 60%coverage: crowns/posts/inlays/onlays $1.000implants/bridges/dentures 90%coverage annual drug maximum 5150fyearlifestyle drugs covered at 50% $300/day hospital coverageat 100% $90/visit for paramedical $600/2 years for vision care 80%coverage Basicunlimited Minor restoration 5800fyear Major restoration 50%coverage: 5800 crowns/posts/inlays/onlays 5800 implants/bridges/dentures 80%coverage 52,000 annual drug maximum 5150fyearlifestyle drugs covered at 50%. $250/dayhospital coverageat 100% S80/visitfor paramedical 5500/2 yearsfor vision care 70%coverage Basicunlimited Minor restoration 5800fyear 70%coverage annual drug maximum $150/dayhospital coverageat 100% 570/visitfor paramedical 5300/2 yearsfor vision care." Key points: Retirees who apply within 90 days of losing group benefit coverage - no medical evidence required Access to benefits when changing jobs or retiring No age termination Applicants with pre-existing health conditions are not excluded Desjardins Insurance LIFE- HEALTH - R.EllRfMENT Direct pay health card for prescription medicines and other health care providers will be provided to all policyholders. Monthly premium deductions may be a tax-deductible expense Coverage is fully portable, across Canada JOHNSONO May 2016

4 THRIVE Flexible Benefits for Retirees British Columbia Dental Care Monthly Rates: Coverage Level Single Couple Superior 582, , ,00 Enhanced Basic Extended Health Care Monthly Rates: Coverage Level Superior Enhanced Basic Rates in effect until December 31, 2017 at which time the Plan Design and Rates will be reviewed. Please contact Johnson Inc. for additional coverage details. III Desjardins Insurance urs- HEALTH RETIREMENT I JOHNSONO Johnson Inc. r!ohnson') is a licensed msurance intermediary. jomson provides administrative. consulting and/or claims administration/payment services. t)ohnson administers the Extended Health Care Plan('EHC Plan') and Dental Care roptions'). Eligibility requirements. limitations and exclusions may apply and/or may vary by province or territory. The EHC Plan and Options are underwritten by Desjardins Financial Security ('DFS ). 'Individual and overall maximums may apply. The terms. conditions. limitations and exclusions which apply to the described coverage are as set out in the policy. Policy wordings prevail. Check Certificates of Insurance for complete details. Coverage under the EHC Plan is subject to proof of enrolment in applicable Provincial Pharmacare program. Other restrictions may apply. The information provided herein is for informational purposes only and should not be considered legal or insurance advice.

5 THRIVE Flexible Benefits for Retirees APPUCATIQN FOR DENTAl.. Pl-AN Pleasecomplete and return to JohnsonInc.at the addresson reverse Address (Including Apartment/Unit Number) Telephone Number o Female City/Town Province Postal Code Address Date of Birth (Day/Month/year) Provincial Health Care Plan Number MPRA Membership Number 2. PLAN INFORMATION I I Dental Plan (select one if you wish to enrol in Dental) Note:OnceyouenrolinEnhancedor Superior,youmustremaininthe planfor 24months 0 Basic o Single (you alone) Dependent Coverage: 0 Enhanced { o Couple (you and one other person) Select One 0 Superior o Family (you and two or more people) Extended Health Care (EHC) Coverage Please contact Johnson Inc. for more information and/or application form If you have selected Couple or Family coverage above, please complete Relationship to Participant First Name Last Name Gender Spouse the following: Date of Birth Personal Provincial If Child(ren) over 21, Health Number indicate Student or Handicapped Dependent Child Dependent Child If dependent child(ren) over age 21, please attach the name of school(s) and proof of enrolment or proof of disability IMPORTANT - YOU MUST COMPLETE AND SIGN SECTION 4 ON THE REVERSE BEFORE YOUR APPLICATION CAN BE PROCESSED.

6 IiIAutomatic Bank Withdrawal (Please include a blank personal cheque marked "VOID" and your completed PAD agreement) o Automatic Bank Withdrawal. I have enclosed a sample cheque marked "VOID". I authorize Johnson Inc., the plan administrator, to make monthly deductions (including mid-term adjustments and arrears) from the bank, trust company or credit union account shown on the cheque. Deductions are withdrawn one month in advance, for example, the May 5 th deduction pays for June coverage. 4. CONSENT AND SIGNATURE I understand that I must be a member ofmpra to maintain the MPRA Insurance Benefits. I authorize that my premium for this insurance, including any mid policy year adjustments, arrears and renewals, be deducted in monthly amounts due on or after this date of application. I understand that my policy will be automatically cancelled should Johnson Inc. receive two or more Non Sufficient Funds (NSF) notices on my account. I understand Dental coverage will begin on the day Johnson Inc. receives my completed application or on the date prior group coverage terminates if applying during the 90 day eligibility period. I also understand that unless I advise Johnson Inc. in writing to the contrary, the coverage I have selected will remain in effect for each policy year thereafter. Johnson Inc. will provide me with notification of my renewal before the beginning of each subsequent policy year, which is April 1. PRIVACY CONSENTS: I authorize my "Association! Affiliate" MPRA, my "Plan Administrator" Johnson Inc., and my "Insurer" Desjardins Financial Security to collect, use, maintain and disclose my financial, medical and other personal information, including the information relating to any spouse or dependent who may be the subject of this application, (the "Information") for the purposes ofthe Dental Plan (the "Plan") administration and audit and the assessment, investigation, management, processing and/or underwriting of this application and any claims under the Plan (collectively, the "Purposes"). I authorize any person with Information, including any medical and health professional, facilities or providers, professional regulatory bodies, any employer, plan administrator, insurer investigative agency and any administrators of other benefits programs to collect, use, maintain and exchange this Information with each other and with the Providers and any replacement Plan Administrator, Insurer, Administrator approved by my Association/Affiliate, for the Purposes. I understand that any coverage will not become effective until approved by the Providers. I authorize the use of my Provincial health number and any member ID for the purposes of identification and administration. o Please allow my spouse to contact Johnson Inc. to obtain any information regarding this insurance. 1 agree to allow Johnson Inc. to release and discuss any and all aspects as it pertains to our insurance. I hereby certify that I have completed this application so that all statements made herein are true and correct in all respects and may be relied upon by MPRA without further inquiry. x Signature of Applicant Date x Signature of Spouse (If couple or family coverage selected) Date Please include your blank personal cheque marked "VOID" and completed PAD agreement. PLEASE FORWARD YOUR APPLICATION TO: JOHNSON INC. ndesjardins ta!l Insurance LIFE' HEALTH' RETIREMENT THRIVE BENEFITS STREET EDMONTON, thrive@johnson.ca AB TSS 1P2 JOHNSON Johnson Inc. is a licensed insurance intermediary. Johnson administers the Extended Health Care Plan ("EHC Plan") and the option/or ("Option "). The EHC Plan and Options are underwritten by Desjardins Financial Security ("DFS"). Dental Care