APPENDIX APPENDIX. PAGE 1 PARTICIPANT APPENDIX

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1 r-r \ ) APPENDIX APPENDIX. PAGE 1 APPENDIX () => Useful Addresses => Table of Important Steps => Retirement-related Provisions of the Collective Agreement

2 APPENDIX APPENDIX. PAGE 5 Table of Important Steps ~ If you have less than 2 years of eligible service: ::::> Return of contributions with interest ~ If you are under age 50 with at least 2 years of eligible service: You are entitled to: Immediately: Immediately: At age 50: A deferred annuity or transfer value Severance pay Transfer value Possible reduced immediate annuity At age 60: Retirement benefits (deferred) () At age 60 or 65: CPP or QPP benefits (early or not) At age65: At age 66: Possible Benefits: Reduction of retirement benefits Old Age Security Beginning of 10% reduction in basic life insurance ::::> Survivor Benefits ::::> Basic life insurance => Extended Health Care Plan (over 10 years of service) ::::> Canada Post Dental Services Plan (summer 2000)

3 n () APPENDIX APPENDIX. PAGE 6 ~ If you are between 50 and 59 with under 30 years of eligible service: You are entitled to: Immediately: Immediately: At age 60: At age 60: At age 66: Possible Benefits: A deferred annuity or reduced immediate annuity Severance pay Reduced immediate annuity benefits Deferred benefits (based on earlier election) Early CPP/QPP benefits CPP/QPP benefits (unreduced) Reduction of retirement benefits Old Age Security Beginning of 10% reduction in basic life insurance => Survivor Benefits ::::> Basic lne insurance ::::> Extended Health Care Plan ::::> Canada Post Dental Services Plan (summer 2000)

4 APPENDIX APPENDIX. PAGE 7 C) ~ If you are age 55 or older with more than 30 years of eligible service: () You are entitled to: Immediately: Immediately: At age 60: At age 66: Possible Benefits: An immediate annuity Severance pay Retirement benefits Early CPP/QPP benefits CPP/QPP benefits (unreduced) Reduction of retirement benefits Old Age Security Beginning of 1 0% reduction in basic life insurance => Survivor Benefit => Basic life insurance => Extended Health Care Plan => Canada Post Dental Services Plan (summer 2000) ( l \_~/

5 () APPENDIX APPENDIX. PAGE 8 ~ If you are age 60 or older with more than 2 years of eligible service: You are entitled to: Immediately: Immediately: Immediately: (Prior to age 65) At age 66: An immediate annuity Severance pay Retirement benefits Early CPP/QPP benefits CPP/QPP benefits (unreduced) Reduction of retirement benefits Old Age Security Beginning of 1 0% reduction in basic life insurance (If you are over age 65 when you leave, you can only keep the reduced coverage you were entitled to. Your coverage and contributions continue to decrease annually.) C) Possible benefits: => Survivor Benefits => Basic life insurance => Extended Health Care Plan => Canada Post Dental Services Plan (summer 2000)

6 n APPENDIX Useful Addresses APPENDIX, PAGE 14 :> Canada Pension Plan Human Resources Development Canada Internet: (English) (French) (hearing impaired) :> Old Age Security C) Human Resources Development Canada Internet: (English) (French) (hearing impaired) :> Quebec Regie des rentes Internet: Telephone: Quebec region Montreal region Toll-free number Service for the hearing impaired Iii; a(tdd, TIY) :> Vancouver Local CUPW Internet : / ) ~.. ~

7 n APPENDIX APPENDIX. PAGE 14 Useful Addresses For all individual member pension enquiries contact the... Pension Centre If you have a specific question about your own pension benefits, contact a Pension Centre Representative. The representative has access to your pension file, and will be pleased to handle your questions as soon as possible. In writing: P.O. Box 2073 MISSISSAUGA ON L5B 3C6 By phone: On the web cpcpension.com C) Pension Services In writing: By Suite B320 (e) 2701 Riverside Drive OTIAWA ON K1A OB1 pension.services@ canadapost.postescanada.ca Also, for retirees wishing to contact their current representative to the Pension Advisory Council on general pension issues, please contact Bill Price through pension.services@ canadapost. postescanada.ca Retirees: RBC Global In writing: By phone: Benefit Payment Services 5th Floor 1 Place Ville Marie E Wing MONTREAL QC H3B 1Z

8 () APPENDIX Benefits Information Great-West Life Health & Dental Benefits Claims Quebec Residents other than in the National Capital Region: In writing: By phone: On the Web GWL Health & Dental Benefits 800, de Ia Gauchetiere Ouest, Suite 5800 MONTREAL QC H5A 1 B in English or French APPENDIX. PAGE 14 CJ For all other residents: In writing: By phone: On the Web GWL Health & Dental Benefits P.O. Box 3050 WINNIPEG MB R3C 4E in English or French Great West Life Administration In writing: By phone: On the Web Great-West Life Assurance Company Member Administration P.O. Box 6000 Station Main WINNIPEG MB R3C 9Z Basic Life Insurance If you are an active member contact your local Human Performance Management office. If you are retired contact the Pension Centre

9 n APPENDIX APPENDIX. PAGE 14 Retirement-Related Provisions of the Collective Agreement ARTICLE 42 PENSION Information on Pension To the employee who enters upon his or her last year of pensionable service under the Canada Post Corporation Pension Plan and to the employee who has good reasons for doing so, the Corporation shall furnish in writing, within thirty () (30) calendar days after the written request of the employee, the following information: (a) (b) (c) the total period of pensionable service of that employee; any period of service which is not pensionable; the average annual salary for the five (5) consecutive year period during which the employee received the highest salary, the identification of said years and the salary received during each year covered by this period; (d) the different options of benefits to which the employee may be entitled upon retirement, and, if necessary, a complete explanation of such options.

10 () APPENDIX APPENDIX. PAGE 14 ARTICLE Acquired Rights SEVERANCE PAY Regular employees who are employees of the Corporation on September 1, 2003 shall be entitled to an amount equal to the severance pay entitlement they will have accumulated as of December 31, Entitlement The amount to which an employee is entitled shall be equal to one week of regular salary for each year of continuous service up to December 31, 2003, up to a maximum of twenty-eight (28) weeks. If the employee, based on his or her () anniversary date, has not completed a full year of employment to December 31, 2003, the amount payable for the partial year of employment shall be prorated. Payment to employees who are part-time, or whose continuous employment includes a period of both full-time and part-time employment, will be calculated in accordance with clause of the collective agreement expiring January 31, Prior service as a temporary and/or casual employee will be included in determining the entitlement under this paragraph and shall be prorated in accordance with clause of the collective agreement expiring on January 31, 2003.

11 APPENDIX APPEND/X, PAGE Terms of Payment The amount to which an employee is entitled shall be paid in a single payment, at the employee's discretion, either: (a) Before July 1, 2004, at the employee's rate of pay as of December 31, 2003, or (b) At the time of his or her retirement, based on the employee's rate of pay during the week prior to his or her retirement. In the event of the death of an employee who has not received his or her severance pay entitlement, such entitlement shall be paid to his or her estate based on the employee's rate of pay at the time of his or her death. An employee who chooses to receive a payment under paragraph 28.03{b), who resigns or is terminated after December 31, 2003 but prior to his or her retirement, shall be paid the amount set out in paragraph 28.03(a) Transition The provisions of clauses to of the collective agreement that expired on January 31, 2003 shall continue to apply until December 31, 2003 for regular employees who are on strength as of September 1, 2003.

12 n APPENDIX APPENDIX. PAGE 14 ARTICLE 3D GROUP INSURANCE AND BENEFIT PLANS Post-Retirement Health Care Benefits () (a) (b) For purposes of this clause, a retiree is a regular employee who has retired from the Corporation and who is in receipt of an unreduced or reduced pension under the Canada Post Corporation Pension Plan, or an annual allowance or an immediate annuity under the Public Service Superannuation Act. Until December 31, 2007, subject to the other provisions of this clause, a retiree who has ten {1 0) years or more of continuous service on the date of retirement shall be covered by the EHCP if he or she elects to receive these benefits within sixty (60) days of the retirement or the date on which he or she starts to receive a deferred pension. Effective January 1, 2008, subject to the other provisions of this clause, a retiree who has fifteen (15) years or more of continuous service on the date of retirement shall be covered by the EHCP if he or she elects to receive these benefits within sixty {60) days of retirement or the date on which he or she starts to receive a deferred pension. If no application to receive the benefits is made, the retiree will not be eligible to be covered by EHCP. This is a one-time election.

13 C> APPENDIX APPENDIX, PAGE 14 (c) Until December 31, 2007, the retiree with less than ten (10) years of continuous service who is totally disabled and in receipt of a disability pension pursuant to the Canada Post Pension Plan or the Public Service Superannuation Act shall also be covered by the EHCP if an application is made as provided for in paragraph 30.03(b) above. Effective January 1, 2008, subject to the other provisions of this clause, a retiree with less than fifteen ( 15) years or more of continuous service who is totally disabled and in receipt of a disability pension pursuant to the Canada Post Pension Plan or the Public Service Superannuation Act shall also be covered by the EHCP if an application is made as provided for in paragraph 30.03(b) above. C) (d) Notwithstanding paragraphs 30.03(b) and (c) above, an employee whose employment is terminated shall not be entitled to EHCP if he or she defers pension entitlements for more than five (5) years. (e) (f) If a retiree who elected for coverage subsequently notifies the carrier that he or she wishes to discontinue coverage under Post Retirement Health Care, he or she will not be eligible to rejoin the plan at a later date. Subject to paragraph 30.03(h), retirees covered by the EHCP pursuant to this clause are entitled to the same EHCP as active employees, including the level of benefits, deductibles and co-insurance.

14 () APPENDIX APPENDIX, PA(l,E 14 (g) For those employees who retired before April1, 2000: (i) The existing terms and conditions for post -retirement benefits in effect on March 31, 2000 will apply. (h) For those employees who retired on or after April 1, 2000 and before September 30, 2003: C) (i) (ii) The Corporation's contribution to the "Medical" portion of EHCP (this excludes the Optional Expenses Benefit) shall be eighty percent (80%) and the contribution of the retiree shall be twenty per cent (20%). There will be an annual deductible of fifty dollars ($50) for each covered person to a maximum of eighty dollars ($80) for family coverage. (i) For those employees who retired on or after September 30, 2003: (i) The Corporation's contribution to the "Medical" portion of EHCP (this excludes the Optional Expenses Benefit) shall be seventyfive percent (75%) and the contribution of the retiree shall be twenty-five per cent (25%). (j) Paragraphs 30.03(a), (b), (c), (d), (e), and (f) apply to employees who retire on or after April1, ( ), /

15 APPENDIX APPENDIX PAGE 16 ARTICLE 19 VACATION LEAVE Pre-retirement Leave () (a) (b) (c) (d) In addition to vacation leave provided for under this agreement, a regular employee who attains fifty (50) years of age and completes twenty (20) years of continuous employment or, attains sixty (60) years of age and completes five (5) years of continuous employment, shall be entitled to be paid a pre-retirement leave of one ( 1) week in the fiscal year in which he or she becomes eligible for such leave and in every fiscal year thereafter until the employee's retirement up to a maximum of six (6) weeks pre-retirement leave from the time of eligibility until the time of retirement. An employee may elect to take her or his fifth (5th) and sixth (6th) weeks of pre-retirement leave during the same year. Pre-retirement leave with pay shall be scheduled in one (1) week blocks separate from the scheduling of vacation leave at a time to be determined by the Corporation, taking into consideration the employee's wishes, seniority and operational requirements. It is understood that there shall be no payment made to or on behalf of any employee in lieu of unused pre-retirement leave.

16 0 APPENDIX APPENDIX. PAGE 16 (e) No employee shall be required or authorized to work during his or her pre-retirement leave. () (d) (e) (f) When any day scheduled as pre-retirement leave falls on a designated paid holiday, the employee shall be entitled to an alternate day at the end of his or her pre-retirement leave. In the event of termination of employment, for reasons other than death or lay-off, the Corporation shall recover from any monies owed to the employee an amount equivalent to pre-retirement leave taken by the employee after the beginning of the fiscal year and prior to his or her birthday or anniversary date, whichever is later. In the event that an employee exercises his or her right under paragraph (b), the Corporation shall not recover the fifth (5th) or the sixth (6 1 h) week of pre-retirement leave if the Corporation would not otherwise be able to recover the fifth week pursuant to paragraph (g). NOTE: Workers may take six weeks of pre-retirement leave over five years without penalty.

17 () APPENDIX APPEND/X, PAGE 17 ARTICLE 19 VACATION LEAVE Entitlement (b) An employee who is entitled to receive pay for at least ten (10) days in each calendar month of a vacation, as defined in (a), shall earn vacation leave at the following rates: (i) three (3) weeks per vacation year if he or she has completed less than seven (7) years of continuous employment; (ii) four ( 4) weeks per vacation year after he or she has completed seven (7) years of continuous employment; (iii) five (5) weeks per fiscal year after he or she has completed fourteen (14) years of continuous employment; (iv) six (6) weeks per vacation year after he or she has completed twenty-one (21) years of continuous employment; (v) seven (7) weeks per vacation year after he or she has completed twenty-eight (28) years of continuous employment. During his or her vacation leave, the employee shall receive the salary provided for in clause

18 C) APPENDIX APPENDIX. PAGE 19 ARTICLE22 MEDICAL BOARDS Veterans In the application of clause of Article 21 "Leave for Other Reasons', the Corporation agrees that special leave with pay will continue to be provided when an employee who is a veteran is: () (a) (b) (c) (d) called in by the Department of Veterans Affairs for a medical examination not conducted primarily for the purpose of active treatment; asked by the Department of Veterans Affairs to report in connection with a medical research program conducted by that department; reporting to the Department of Veterans Affairs for the purpose of the supply or maintenance of a prosthetic appliance; called in by the Canadian Pension Commission for pension purposes. l)

19 () APPENDIX APPENDIX PAGE 19 APPENDIX "A" NOTES Effective January 31, 2007, the rate of pay of employees who were on strength as regular employees on September 1, 2003, and have completed twentyeight (28) years of indeterminate service shall be increased by one percent (1 %). C> Notwithstanding the above, employees who have completed sufficient service to be eligible for twenty-eight (28) weeks of severance pay as of December 31, 2003 shall not be eligible for the one percent (1%) increase.