Common use of Required Number of Hours Clause in Contracts

Required Number of Hours. ▪ As per the Collective Agreement Deductible ▪ $15 single/$25 family deductible for drug expenses ▪ nil for all other expenses Combined Maximum ▪ Unlimited Coinsurance ▪ Drugs ▪ 100% ▪ Hospital ▪ 100% ▪ Vision ▪ 100% ▪ Other Eligible Expenses ▪ 80% professional and paramedical services ▪ 100% for all other expenses ▪ Drug Features ▪ Drugs available only by prescription (plus certain life- sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ Pay direct drug card ▪ Includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy mark-up and dispensing fee maximums by province ▪ Prescription drugs with valid drug identification number (DIN) ▪ Over the counter products are not eligible ▪ Use of a pay direct drug card to purchase prescription drugs, which includes Manulife Managed Formulary, mandatory generic drug program, and reasonable and customary pharmacy mark-ups by province ▪ Anti-obesity drugs ▪ Smoking cessation drugs to $300 life time maximum per person ▪ Fertility drugs are subject to a lifetime maximum of $15,000 per person ▪ Charges for oral contraceptives, intrauterine devices and diaphragms Gender affirmation: $10,000 maximum per person per lifetime for non-elective, medical necessary treatment ▪ Coverage is coordinated with provincial coverage, where it exists ▪ Hospital Room ▪ Private or semi private ▪ Nursing Care ▪ Max $25,000 per person every 3 years ▪ Paramedical ▪ 80% paramedical services to applicable maximum Acupuncture ▪ Max of $500 per person per year Chiropractor ▪ Max of $500 per person per year Osteopath ▪ Max of $500 per person per year* Plan Features Massage Therapist ▪ Max of $500 per person per year Naturopath ▪ Max of $500 per person per year* Physio-therapist ▪ Max of $500 per person per year Podiatrist ▪ Max of $500 per person per year* Psychologist/Social Worker/ Psychotherapist ▪ Max of $1,500 per person per year Speech Therapist ▪ Max of $500 per person per year ▪ Vision Care ▪ Max of $250 per person in any 24 consecutive months (frames, lenses, laser) ▪ One eye exam every 2 calendar years (reasonable and customary costs) ▪ Hearing Aids ▪ Max of $300 per person in any 5 consecutive calendar years ▪ Other ▪ Nursing home accommodation – max $20 a day ▪ Ambulance services to and from the nearest appropriate medical care ▪ Medical supplies and services to specified maximums ▪ Accidental dental treatment within 6 months of the accident ▪ Extra care (wigs or hairpieces up to $500 lifetime per person) ▪ Emergency Out-of-Country ▪ Emergency medical services ▪ Referral treatment ▪ Max of $5 million lifetime per person ▪ Travel Assistance ▪ Included * Less any amount paid by the government plan Dental Premium Cost Sharing ▪ As per the Collective Agreement Waiting Period ▪ Same as Major Medical Participation Basis ▪ Same as Major Medical

Required Number of Hours. ▪ As as per the Collective Agreement Deductible ▪ $15 single/$25 family deductible for drug expenses ▪ nil for all other expenses Combined Maximum ▪ Unlimited unlimited Coinsurance ▪ Drugs ▪ 100% ▪ Hospital ▪ 100% ▪ Vision ▪ 100% ▪ Other Eligible Expenses ▪ 80% professional and paramedical services ▪ 100% for all other expenses ▪ Drug Features ▪ Drugs drugs available only by prescription (plus certain life- sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ Pay pay direct drug card ▪ Includes includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy markxxxx-up and dispensing fee maximums by province ▪ Prescription drugs with valid drug identification number (DIN) ▪ Over the counter products are not eligible ▪ Use of a pay direct drug card to purchase prescription drugs, which includes Manulife Managed Formulary, mandatory generic drug program, and reasonable and customary pharmacy mark-ups by province ▪ Anti-obesity drugs ▪ Smoking cessation drugs to $300 life time maximum per person ▪ Fertility drugs are subject to a lifetime maximum of $15,000 per person ▪ Charges for oral contraceptives, intrauterine devices and diaphragms Gender affirmation: $10,000 maximum per person per lifetime for non-elective, medical necessary treatment ▪ Coverage is coordinated with provincial coverage, where it exists ▪ Hospital Room ▪ Private or semi private ▪ Nursing Care ▪ Max max $25,000 per person every 3 years ▪ Paramedical ▪ 80% paramedical services to applicable maximum Acupuncture Chiropractor Osteopath Naturopath Podiatrist Speech Therapist Massage Therapist Acupuncture (performed by physician) Physio-therapist Psychologist/Social Worker ▪ Max max of $500 per person per year Chiropractor ▪ Max max of $500 per person per year Osteopath ▪ Max max of $500 per person per year* Plan Features Massage Therapist ▪ Max of $500 per person per year Naturopath ▪ Max max of $500 per person per year* Physio-therapist ▪ Max of $500 per person per year Podiatrist ▪ Max max of $500 per person per year* Psychologist/Social Worker/ Psychotherapist ▪ Max of $1,500 per person per year Speech Therapist ▪ Max max of $500 per person per year ▪ max of $500 per person per year ▪ n/a ▪ max of $500 per person per year ▪ max of $500 per person per year ▪ ▪ Vision Care ▪ Max max of $250 per person in any 24 consecutive months (frames, lenses, laser) ▪ One one eye exam every 2 calendar years (reasonable and customary costs) ▪ Hearing Aids ▪ Max max of $300 per person in any 5 consecutive calendar years ▪ Other ▪ Nursing nursing home accommodation – max $20 a day Plan Feature ▪ Ambulance ambulance services to and from the nearest appropriate medical care ▪ Medical medical supplies and services to specified maximums ▪ Accidental accidental dental treatment within 6 months of the accident ▪ Extra extra care (wigs or hairpieces up to $500 lifetime per person) ▪ Emergency Out-of-Country ▪ Emergency emergency medical services ▪ Referral referral treatment ▪ Max max of $5 1 million lifetime per person ▪ Travel Assistance ▪ Included * Less any amount paid by the government plan Dental Premium Cost Sharing ▪ As as per the Collective Agreement Waiting Period ▪ Same same as Major Medical Participation Basis ▪ Same same as Major Medical

Required Number of Hours. ▪ As  as per the Collective Agreement Deductible ▪   $15 single/$25 family deductible for drug expenses ▪ nil for all other expenses Combined Maximum ▪ Unlimited  unlimited Coinsurance ▪  Drugs ▪  100% ▪  Hospital ▪  100% ▪  Vision ▪  100% ▪  Other Eligible Expenses ▪   80% professional and paramedical services ▪ 100% for all other expenses ▪  Drug Features ▪ Drugs    drugs available only by prescription (plus certain life- life-sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ Pay pay direct drug card ▪ Includes includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy markxxxx-up and dispensing fee maximums by province ▪ Prescription drugs with valid drug identification number (DIN) ▪ Over the counter products are not eligible ▪ Use of a pay direct drug card to purchase prescription drugs, which includes Manulife Managed Formulary, mandatory generic drug program, and reasonable and customary pharmacy mark-ups by province ▪ Anti-obesity drugs ▪ Smoking cessation drugs to $300 life time maximum per person ▪ Fertility drugs are subject to a lifetime maximum of $15,000 per person ▪ Charges for oral contraceptives, intrauterine devices and diaphragms Gender affirmation: $10,000 maximum per person per lifetime for non-elective, medical necessary treatment ▪ Coverage is coordinated with provincial coverage, where it exists ▪  Hospital Room ▪ Private  private or semi private ▪  Nursing Care ▪ Max  max $25,000 per person every 3 years ▪  Paramedical ▪  80% paramedical services to applicable maximum – Acupuncture ▪ Max  max of $500 per person per year – Chiropractor ▪ Max  max of $500 per person per year – Osteopath ▪ Max  max of $500 per person per year* Plan Features – Massage Therapist ▪ Max  max of $500 per person per year – Naturopath ▪ Max  max of $500 per person per year* – Physio-therapist ▪ Max  max of $500 per person per year – Podiatrist ▪ Max  max of $500 per person per year* – Psychologist/Social Worker/ Psychotherapist ▪ Max Worker  max of $1,500 per person per year (effective Oct. 1, 2017) – Speech Therapist ▪ Max  max of $500 per person per year ▪  Vision Care ▪ Max   max of $250 per person in any 24 consecutive months (frames, lenses, laser) ▪ One one eye exam every 2 calendar years (reasonable and customary costs) ▪  Hearing Aids ▪ Max  max of $300 per person in any 5 consecutive calendar years ▪  Other ▪ Nursing      nursing home accommodation – max $20 a day ▪ Ambulance ambulance services to and from the nearest appropriate medical care ▪ Medical medical supplies and services to specified maximums ▪ Accidental accidental dental treatment within 6 months of the accident ▪ Extra extra care (wigs or hairpieces up to $500 lifetime per person) ▪  Emergency Out-of-Country ▪ Emergency    emergency medical services ▪ Referral referral treatment ▪ Max max of $5 million lifetime per person ▪  Travel Assistance ▪ Included  included * Less any amount paid by the government plan Dental DENTAL Premium Cost Sharing ▪ As  as per the Collective Agreement Waiting Period ▪ Same  same as Major Medical Participation Basis ▪ Same  same as Major MedicalMedical Required Number of Hours  same as Major Medical Dental Fee Guide  current in province of residence Deductibles Single Family   nil nil Coinsurance  Part I Preventive  100%  Minor Restorative  100%  Part II Major Restorative  50%  Part III Orthodontic  50% (Eligible Dependent Children only) Orthodontic Dependent Children Age Basis  under 19 years old Benefit Maximum    Part I – unlimited Part II - $1,500/year Part III - $2,500 lifetime Recall Exam  6 months X-Rays   bitewing – once every 6 months full mouth – once every 24 months LONG TERM DISABILITY Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis   employee coverage: compulsory dependent coverage: not applicable Required Number of Hours  same as Major Medical Benefit Formula   less than 4 years of service: 66 2/3% of pre-disability earnings 4 years of service or more: 75% of pre-disability earnings Maximum Benefit  $15,000 a month without Evidence of Insurability, $23,000 a month with satisfactory Evidence of Insurability as per Manulife. Qualifying Period  15 weeks or expiration of sick leave credits whichever is greater All Source Maximum  80% of gross pre-disability earnings Definition of Disability  2 years own occupation Indexation of Benefits  no Pre-existing Condition Clause  yes BASIC LIFE INSURANCE Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis   employee coverage: compulsory dependent coverage: not applicable Required Number of Hours  same as Major Medical Benefit Formula  1.5x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000 Reduction Formula  employee at age 65: coverage immediately reduces at age 65 & on each anniversary thereafter to the following percentage of original amount: 85% at age 65 70% at age 66 55% at age 67 40% at age 68 25% at age 69 Maximum Benefit    without evidence: $600,000 with evidence: $1,000,000 combined maximums with Optional Life OPTIONAL LIFE INSURANCE Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis   employee coverage: not compulsory dependent coverage: not applicable Required Number of Hours  same as Major Medical Benefit Formula  1x or 2x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000 Maximum Benefit   without evidence: $600,000 with evidence: $1,000,000  combined maximums with Basic Life DEPENDENT LIFE Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis   employee coverage: not applicable dependent coverage: not compulsory Required Number of Hours  same as Major Medical Benefit Formula  Spouse  $10,000  Each Eligible Child  $5,000 BASIC ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis   employee coverage: compulsory dependent coverage: not applicable Required Number of Hours  same as Major Medical Benefit Formula  1.5x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000 REDUCTION FORMULA  employee at age 65: coverage immediately reduces at age 65 & on each anniversary thereafter to the following percentage of original amount: 85% at age 65 70% at age 66 55% at age 67 40% at age 68 25% at age 69 VOLUNTARY AD&D Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis   employee coverage: not compulsory dependent coverage: not compulsory Required Number of Hours  same as Major Medical/ Benefit Formula  Employee Coverage  units of $10,000 to maximum of $500,000  Family Coverage   spouse, no children: 50% of employee coverage spouse and eligible children: 40% of employee coverage for spouse & 10% for each child  eligible children only: 15% of employee coverage for each eligible child

Required Number of Hours. ▪ As as per the Collective Agreement Deductible ▪ $15 single/$25 family deductible for drug expenses ▪ nil for all other expenses Combined Maximum ▪ Unlimited unlimited Coinsurance ▪ Drugs ▪ 100% Hospital ▪ Hospital Vision ▪ Other Eligible Expenses ▪ 100% ▪ Vision 100% ▪ 100% ▪ Other Eligible Expenses ▪ 80% professional and paramedical services ▪ 100% for all other expenses ▪ Drug Features ▪ Drugs drugs available only by prescription (plus certain life- sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ Pay pay direct drug card ▪ Includes includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy mark-up and dispensing fee maximums by province ▪ Prescription drugs with valid drug identification number (DIN) ▪ Over the counter products are not eligible ▪ Use of a pay direct drug card to purchase prescription drugs, which includes Manulife Managed Formulary, mandatory generic drug program, and reasonable and customary pharmacy mark-ups by province ▪ Anti-obesity drugs ▪ Smoking cessation drugs to $300 life time maximum per person ▪ Fertility drugs are subject to a lifetime maximum of $15,000 per person ▪ Charges for oral contraceptives, intrauterine devices and diaphragms Gender affirmation: $10,000 maximum per person per lifetime for non-elective, medical necessary treatment ▪ Coverage is coordinated with provincial coverage, where it exists ▪ Hospital Room ▪ Private private or semi private ▪ Nursing Care ▪ Max max $25,000 per person every 3 years ▪ Paramedical – Acupuncture – Chiropractor – Osteopath – Massage Therapist – Naturopath – Physio-therapist – Podiatrist – Psychologist/Social Worker – Speech Therapist ▪ 80% paramedical services to applicable maximum Acupuncture ▪ Max max of $500 per person per year Chiropractor ▪ Max max of $500 per person per year Osteopath ▪ Max max of $500 per person per year* Plan Features Massage Therapist ▪ Max max of $500 per person per year Naturopath ▪ Max max of $500 per person per year* Physio-therapist ▪ Max max of $500 per person per year Podiatrist ▪ Max max of $500 per person per year* Psychologist/Social Worker/ Psychotherapist ▪ Max max of $1,500 per person per year Speech Therapist (effective Oct., 01, 2017) ▪ Max max of $500 per person per year ▪ Vision Care ▪ Max max of $250 per person in any 24 consecutive months (frames, lenses, laser) ▪ One one eye exam every 2 calendar years (reasonable and customary costs) ▪ Hearing Aids ▪ Max xxx of $300 per person in any 5 consecutive calendar years ▪ Other ▪ Nursing nursing home accommodation – max $20 a day ▪ Ambulance ambulance services to and from the nearest appropriate medical care ▪ Medical medical supplies and services to specified maximums ▪ Accidental accidental dental treatment within 6 months of the accident ▪ Extra extra care (wigs or hairpieces up to $500 lifetime per person) ▪ Emergency Out-of-Country ▪ Emergency emergency medical services ▪ Referral referral treatment ▪ Max max of $5 million lifetime per person Plan Features ▪ Travel Assistance ▪ Included included * Less any amount paid by the government plan Dental Premium Cost Sharing ▪ As as per the Collective Agreement Waiting Period ▪ Same same as Major Medical Participation Basis ▪ Same same as Major Medical

Required Number of Hours. ▪ As  as per the Collective Agreement Deductible ▪   $15 single/$25 family deductible for drug expenses ▪ nil for all other expenses Combined Maximum ▪ Unlimited  unlimited Coinsurance ▪  Drugs ▪  100% ▪  Hospital ▪  100% ▪  Vision ▪  100% ▪  Other Eligible Expenses ▪  80% professional and paramedical services ▪  100% for all other expenses ▪  Drug Features ▪ Drugs    drugs available only by prescription (plus certain life- life-sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ Pay pay direct drug card ▪ Includes includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy markxxxx-up and dispensing fee maximums by province ▪ Prescription drugs with valid drug identification number (DIN) ▪ Over the counter products are not eligible ▪ Use of a pay direct drug card to purchase prescription drugs, which includes Manulife Managed Formulary, mandatory generic drug program, and reasonable and customary pharmacy mark-ups by province ▪ Anti-obesity drugs ▪ Smoking cessation drugs to $300 life time maximum per person ▪ Fertility drugs are subject to a lifetime maximum of $15,000 per person ▪ Charges for oral contraceptives, intrauterine devices and diaphragms Gender affirmation: $10,000 maximum per person per lifetime for non-elective, medical necessary treatment ▪ Coverage is coordinated with provincial coverage, where it exists ▪  Hospital Room ▪ Private  private or semi private ▪  Nursing Care ▪ Max  max $25,000 per person every 3 years ▪  Paramedical ▪  80% paramedical services to applicable maximum – Acupuncture ▪ Max  max of $500 per person per year – Chiropractor ▪ Max  max of $500 per person per year – Osteopath ▪ Max  max of $500 per person per year* Plan Features – Massage Therapist ▪ Max  max of $500 per person per year – Naturopath ▪ Max  max of $500 per person per year* – Physio-therapist ▪ Max  max of $500 per person per year – Podiatrist ▪ Max  max of $500 per person per year* – Psychologist/Social Worker/ Psychotherapist ▪ Max Worker  max of $1,500 per person per year (effective Oct. 1, 2017) – Speech Therapist ▪ Max  max of $500 per person per year ▪  Vision Care ▪ Max   max of $250 per person in any 24 consecutive months (frames, lenses, laser) ▪ One one eye exam every 2 calendar years (reasonable and customary costs) ▪  Hearing Aids ▪ Max  max of $300 per person in any 5 consecutive calendar years ▪  Other ▪ Nursing      nursing home accommodation – max $20 a day ▪ Ambulance ambulance services to and from the nearest appropriate medical care ▪ Medical medical supplies and services to specified maximums ▪ Accidental accidental dental treatment within 6 months of the accident ▪ Extra extra care (wigs or hairpieces up to $500 lifetime per person) ▪  Emergency Out-of-Country ▪ Emergency    emergency medical services ▪ Referral referral treatment ▪ Max max of $5 million lifetime per person ▪  Travel Assistance ▪ Included  included * Less any amount paid by the government plan Dental DENTAL Premium Cost Sharing ▪ As  as per the Collective Agreement Waiting Period ▪ Same  same as Major Medical Participation Basis ▪ Same  same as Major Medical

Required Number of Hours. ▪ As  as per the Collective Agreement Deductible ▪   $15 single/$25 family deductible for drug expenses ▪ nil for all other expenses Combined Maximum ▪ Unlimited  unlimited Coinsurance ▪  Drugs ▪  100% ▪  Hospital ▪  100% ▪  Vision ▪  100% ▪  Other Eligible Expenses ▪  80% professional and paramedical services ▪  100% for all other expenses ▪  Drug Features ▪ Drugs    drugs available only by prescription (plus certain life- life-sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ Pay pay direct drug card ▪ Includes includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy markxxxx-up and dispensing fee maximums by province ▪ Prescription drugs with valid drug identification number (DIN) ▪ Over the counter products are not eligible ▪ Use of a pay direct drug card to purchase prescription drugs, which includes Manulife Managed Formulary, mandatory generic drug program, and reasonable and customary pharmacy mark-ups by province ▪ Anti-obesity drugs ▪ Smoking cessation drugs to $300 life time maximum per person ▪ Fertility drugs are subject to a lifetime maximum of $15,000 per person ▪ Charges for oral contraceptives, intrauterine devices and diaphragms Gender affirmation: $10,000 maximum per person per lifetime for non-elective, medical necessary treatment ▪ Coverage is coordinated with provincial coverage, where it exists ▪  Hospital Room ▪ Private  private or semi private ▪  Nursing Care ▪ Max  max $25,000 per person every 3 years ▪  Paramedical ▪  80% paramedical services to applicable maximum – Acupuncture ▪ Max  max of $500 per person per year – Chiropractor ▪ Max  max of $500 per person per year – Osteopath ▪ Max  max of $500 per person per year* Plan Features – Massage Therapist ▪ Max  max of $500 per person per year – Naturopath ▪ Max  max of $500 per person per year* – Physio-therapist ▪ Max  max of $500 per person per year – Podiatrist ▪ Max  max of $500 per person per year* – Psychologist/Social Worker/ Psychotherapist ▪ Max Worker  max of $1,500 per person per year (effective Oct., 01, 2017) – Speech Therapist ▪ Max  max of $500 per person per year ▪   Vision Care ▪ Max   max of $250 per person in any 24 consecutive months (frames, lenses, laser) ▪ One one eye exam every 2 calendar years (reasonable and customary costs) ▪  Hearing Aids ▪ Max  max of $300 per person in any 5 consecutive calendar years ▪  Other ▪ Nursing      nursing home accommodation – max $20 a day ▪ Ambulance ambulance services to and from the nearest appropriate medical care ▪ Medical medical supplies and services to specified maximums ▪ Accidental accidental dental treatment within 6 months of the accident ▪ Extra extra care (wigs or hairpieces up to $500 lifetime per person) ▪  Emergency Out-of-Country ▪ Emergency    emergency medical services ▪ Referral referral treatment ▪ Max max of $5 million lifetime per person ▪ PLAN FEATURES  Travel Assistance ▪ Included  included * Less any amount paid by the government plan Dental DENTAL Premium Cost Sharing ▪ As  as per the Collective Agreement Waiting Period ▪ Same  same as Major Medical Participation Basis ▪ Same  same as Major MedicalMedical Required Number of Hours  same as Major Medical Dental Fee Guide  current in province of residence Deductibles Single Family   nil nil Coinsurance  Part I Preventive  100%  Minor Restorative  100%  Part II Major Restorative  50%  Part III Orthodontic  50% (Eligible Dependent Children only) Orthodontic Dependent Children Age Basis  under 19 years old Benefit Maximum  Part I – unlimited  Part II - $1,500/year  Part III - $2,500 lifetime Recall Exam  6 months X-Rays  bitewing – once every 6 months  full mouth – once every 24 months LONG TERM DISABILITY Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis  employee coverage: compulsory  dependent coverage: not applicable Required Number of Hours  same as Major Medical Benefit Formula  less than 4 years of service: 66 2/3% of pre-disability earnings  4 years of service or more: 75% of pre-disability earnings Maximum Benefit  $15,000 a month without Evidence of Insurability, $23,000 a month with satisfactory Evidence of Insurability as per Manulife. Qualifying Period  15 weeks or expiration of sick leave credits whichever is greater All Source Maximum  80% of gross pre-disability earnings Definition of Disability  2 years own occupation as per Manulife Indexation of Benefits  no Pre-existing Condition Clause  yes BASIC LIFE INSURANCE Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis  employee coverage: compulsory  dependent coverage: not applicable Required Number of Hours  same as Major Medical Benefit Formula  1.5x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000 Reduction Formula  employee at age 65: coverage immediately reduces at age 65 & on each anniversary thereafter to the following percentage of original amount: 85% at age 65 70% at age 66 PLAN FEATURES 55% at age 67 40% at age 68 25% at age 69 Maximum Benefit    without evidence: $600,000 with evidence: $1,000,000 combined maximums with Optional Life OPTIONAL LIFE INSURANCE Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis  employee coverage: not compulsory  dependent coverage: not applicable Required Number of Hours  same as Major Medical Benefit Formula  1x or 2x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000 Maximum Benefit  without evidence: $600,000  with evidence: $1,000,000  combined maximums with Basic Life DEPENDENT LIFE Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis  employee coverage: not applicable  dependent coverage: not compulsory Required Number of Hours  same as Major Medical Benefit Formula  Spouse  Each Eligible Child   $10,000 $5,000 BASIC ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis  employee coverage: compulsory  dependent coverage: not applicable Required Number of Hours  same as Major Medical Benefit Formula  1.5x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000 REDUCTION FORMULA  employee at age 65: coverage immediately reduces at age 65 & on each anniversary thereafter to the following percentage of original amount: 85% at age 65 70% at age 66 55% at age 67 40% at age 68 25% at age 69 VOLUNTARY AD&D Premium Cost Sharing  as per the Collective Agreement Waiting Period  same as Major Medical Participation Basis  employee coverage: not compulsory  dependent coverage: not compulsory Required Number of Hours  same as Major Medical Benefit Formula  Employee Coverage  units of $10,000 to maximum of $500,000  Family Coverage  spouse, no children: 50% of employee coverage  spouse and eligible children: 40% of employee coverage for spouse & 10% for each child  eligible children only: 15% of employee coverage for each eligible child Effective October 1, 2017 Re: Use of Personal Vehicle‌ Given that the use of one’s own vehicle is a bona fide requirement of nurses working at mobile clinics from time to time, it is the expectation of the parties that those nurses will maintain adequate automobile insurance for such use. Dated at Ottawa, Ontario this 14 day of May , 2020. FOR THE EMPLOYER FOR THE UNION “Xxxxxxxxx Xxxxxx” “Xxxxxxxx Xxxxxxxx” Labour Relations Officer “Xxx Xxxxxx” “Xxx Xxxxxxxxxxx” Re: Position of Coordinator, Medical Services, Ottawa‌ The parties hereby agree to the following:

Required Number of Hours. ▪ As as per the Collective Agreement Deductible ▪ $15 single/$25 family deductible for drug expenses ▪ nil for all other expenses Combined Maximum ▪ Unlimited unlimited Coinsurance ▪ Drugs ▪ 100% Hospital ▪ Hospital Vision ▪ Other Eligible Expenses ▪ 100% ▪ Vision 100% ▪ 100% ▪ Other Eligible Expenses ▪ 80% professional and paramedical services ▪ 100% for all other expenses ▪ Drug Features ▪ Drugs drugs available only by prescription (plus certain life- sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ Pay pay direct drug card ▪ Includes includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy markxxxx-up and dispensing fee maximums by province ▪ Prescription drugs with valid drug identification number (DIN) ▪ Over the counter products are not eligible ▪ Use of a pay direct drug card to purchase prescription drugs, which includes Manulife Managed Formulary, mandatory generic drug program, and reasonable and customary pharmacy mark-ups by province ▪ Anti-obesity drugs ▪ Smoking cessation drugs to $300 life time maximum per person ▪ Fertility drugs are subject to a lifetime maximum of $15,000 per person ▪ Charges for oral contraceptives, intrauterine devices and diaphragms Gender affirmation: $10,000 maximum per person per lifetime for non-elective, medical necessary treatment ▪ Coverage is coordinated with provincial coverage, where it exists ▪ Hospital Room ▪ Private private or semi private semiprivate ▪ Nursing Care ▪ Max max $25,000 per person every 3 years ▪ Paramedical – Acupuncture – Chiropractor – Osteopath – Massage Therapist – Naturopath – Physiotherapist – Podiatrist – Psychologist/Social Worker – Speech Therapist – Massage Therapist ▪ 80% paramedical services to applicable maximum Acupuncture ▪ Max max of $500 per person per year Chiropractor ▪ Max max of $500 per person per year Osteopath ▪ Max max of $500 per person per year* Plan Features Massage Therapist ▪ Max max of $500 per person per year Naturopath ▪ Max max of $500 per person per year* Physio-therapist ▪ Max max of $500 per person per year Podiatrist ▪ Max max of $500 per person per year* Psychologist/Social Worker/ Psychotherapist ▪ Max max of $1,500 500 per person per year Speech Therapist ▪ Max max of $500 per person per year ▪ max of $500 per person per year ▪ Vision Care ▪ Max max of $250 per person in any 24 consecutive months (frames, lenses, laser) ▪ One one eye exam every 2 calendar years (reasonable and customary costs) ▪ Hearing Aids ▪ Max max of $300 per person in any 5 consecutive calendar years ▪ Other ▪ Nursing nursing home accommodation – max $20 a day ▪ Ambulance ambulance services to and from the nearest appropriate medical care ▪ Medical medical supplies and services to specified maximums ▪ Accidental accidental dental treatment within 6 months of the accident ▪ Extra extra care (wigs or hairpieces up to $500 lifetime per person) ▪ Emergency Out-of-Country ▪ Emergency emergency medical services Plan Features ▪ Referral referral treatment ▪ Max max of $5 million lifetime per person ▪ Travel Assistance ▪ Included * Less any amount paid by the government plan Dental Premium Cost Sharing ▪ As as per the Collective Agreement Waiting Period ▪ Same same as Major Medical Participation Basis ▪ Same same as Major Medical

Required Number of Hours. ▪ As as per the Collective Agreement Deductible ▪ $15 single/$25 family deductible for drug expenses ▪ nil for all other expenses Combined Maximum ▪ Unlimited unlimited Coinsurance ▪ Drugs ▪ 100% 100%‌ ▪ Hospital ▪ 100% ▪ Vision ▪ 100% ▪ Other Eligible Expenses ▪ 80% professional and paramedical services ▪ 100% for all other expenses expenses‌ ▪ Drug Features ▪ Drugs drugs available only by prescription (plus certain life- sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ Pay pay direct drug card ▪ Includes includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy mark-up and dispensing fee maximums by province ▪ Prescription drugs with valid drug identification number (DIN) ▪ Over the counter products are not eligible ▪ Use of a pay direct drug card to purchase prescription drugs, which includes Manulife Managed Formulary, mandatory generic drug program, and reasonable and customary pharmacy mark-ups by province ▪ Anti-obesity drugs ▪ Smoking cessation drugs to $300 life time maximum per person ▪ Fertility drugs are subject to a lifetime maximum of $15,000 per person person. ▪ Charges charges for oral contraceptives, intrauterine devices and diaphragms Gender affirmation: $10,000 maximum per person per lifetime for non-elective, medical necessary treatment ▪ Coverage is coordinated with provincial coverage, where it exists diaphragms‌ ▪ Hospital Room ▪ Private private or semi private ▪ Nursing Care ▪ Max max $25,000 per person every 3 years ▪ Paramedical ▪ 80% paramedical services to applicable maximum – Acupuncture ▪ Max max of $500 per person per year – Chiropractor ▪ Max max of $500 per person per year – Osteopath ▪ Max max of $500 per person per year* Plan Features – Massage Therapist ▪ Max max of $500 per person per year – Naturopath ▪ Max max of $500 per person per year* – Physio-therapist ▪ Max max of $500 per person per year – Podiatrist ▪ Max max of $500 per person per year* – Psychologist/Social Worker/ Psychotherapist Worker ▪ Max max of $1,500 per person per year year, includes Psychotherapists (effective Oct., 01, 2018)‌ – Speech Therapist ▪ Max max of $500 per person per year ▪ Vision Care ▪ Max max of $250 per person in any 24 consecutive months Plan Features (frames, lenses, laser) ▪ One one eye exam every 2 calendar years (reasonable and customary costs) ▪ Hearing Aids ▪ Max xxx of $300 per person in any 5 consecutive calendar years ▪ Other ▪ Nursing nursing home accommodation – max $20 a day day‌ ▪ Ambulance ambulance services to and from the nearest appropriate medical care ▪ Medical medical supplies and services to specified maximums ▪ Accidental accidental dental treatment within 6 months of the accident ▪ Extra extra care (wigs or hairpieces up to $500 lifetime per person) person)‌ ▪ Emergency Out-of-Country ▪ Emergency emergency medical services ▪ Referral referral treatment ▪ Max max of $5 million lifetime per person person‌ ▪ Travel Assistance ▪ Included included * Less any amount paid by the government plan plan‌ Dental Premium Cost Sharing ▪ As as per the Collective Agreement Agreement‌ Waiting Period ▪ Same same as Major Medical Participation Basis ▪ Same same as Major Medical

Required Number of Hours. ▪ As as per the Collective Agreement Deductible ▪ family $15 single/$25 family deductible 25, single $15.00 for drug expenses ▪ nil for all other expenses Combined Maximum ▪ Unlimited unlimited Coinsurance ▪ Drugs ▪ 100% ▪ Hospital ▪ 100% ▪ Vision ▪ 100% ▪ Other Eligible Expenses ▪ 80% professional and paramedical services ▪ 100% for all other expenses ▪ Drug Features ▪ Drugs drugs available only by prescription (plus certain life- sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ Pay pay direct drug card ▪ Includes includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy markxxxx-up and dispensing fee maximums by province ▪ Prescription drugs with valid drug identification number (DIN) ▪ Over the counter products are not eligible ▪ Use of a pay direct drug card to purchase prescription drugs, which includes Manulife Managed Formulary, mandatory generic drug program, and reasonable and customary pharmacy mark-ups by province ▪ Anti-obesity drugs ▪ Smoking cessation drugs to $300 life time maximum per person ▪ Fertility drugs are subject to a lifetime maximum of $15,000 per person ▪ Charges for oral contraceptives, intrauterine devices and diaphragms Gender affirmation: $10,000 maximum per person per lifetime for non-elective, medical necessary treatment ▪ Coverage is coordinated with provincial coverage, where it exists ▪ Hospital Room ▪ Private or semi private ▪ Nursing Care ▪ Max max $25,000 per person every 3 years ▪ Paramedical – Psychologist ▪ 80% paramedical services to applicable maximum Acupuncture ▪ Max max of $500 per person per year – Chiropractor ▪ Max max of $500 per person per year – Osteopath ▪ Max max of $500 per person per year* Plan Features Massage Therapist ▪ Max of $500 per person per year – Naturopath ▪ Max max of $500 per person per year* Physio-therapist ▪ Max of $500 per person per year – Podiatrist ▪ Max max of $500 per person per year* Psychologist/Social Worker/ Psychotherapist – Speech Therapist ▪ Max max of $1,500 500 per person per year Speech – Massage Therapist ▪ Max max of $500 per person per year – Acupuncture (performed by physician) ▪ n/a – Physio-therapist ▪ max of $500 per person per year ▪ Vision Care ▪ Max max of $250 200 per person in any 24 consecutive months (frames, lenses, laser) ▪ One one eye exam every 2 calendar years (reasonable and customary costs) ▪ Hearing Aids ▪ Max max of $300 per person in any 5 consecutive calendar years ▪ Other ▪ Nursing nursing home accommodation – max $20 a day ▪ Ambulance ambulance services to and from the nearest appropriate medical care ▪ Medical medical supplies and services to specified maximums ▪ Accidental accidental dental treatment within 6 months of the accident ▪ Extra extra care (wigs or hairpieces up to $500 lifetime per person) ▪ Emergency Out-of-Country ▪ Emergency emergency medical services ▪ Referral referral treatment ▪ Max max of $5 1 million lifetime per person ▪ Travel Assistance ▪ Included ManuAssist plan * Less any amount paid by the government plan Dental Plan Feature Premium Cost Sharing ▪ As as per the Collective Agreement Waiting Period ▪ Same same as Major Medical Participation Basis ▪ Same same as Major Medical