Common use of Co-Insurance Clause in Contracts

Co-Insurance. In respect of Benefits (i) to (vii), the Plan will provide reimbursement of 90% of eligible expenses. Benefits (viii) and (ix) will be subject to 50% co-insurance. APPENDIX “2” PULP AND PAPER INDUSTRY LONG TERM DISABILITY PLAN SUMMARY

Co-Insurance. In respect of Benefits (i) to (vii), the Plan will provide reimbursement of 90% of eligible expenses. Benefits (viii) and (ix) will be subject to 50% co-insurance. APPENDIX “"2” PULP AND PAPER INDUSTRY LONG TERM DISABILITY PLAN SUMMARY"

Co-Insurance. In respect of Benefits (i) to (vii), the Plan will provide reimbursement of 90% of eligible expenses. Benefits (viii) and (ix) will be subject to 50% co-co- insurance. Note: All these Increases to Health and Welfare benefits take place on the date of ratification, October 4, 2012. APPENDIX “"2” " PULP AND PAPER INDUSTRY LONG TERM DISABILITY PLAN SUMMARY

Co-Insurance. In respect of Benefits (ia) to (viig), the Plan will provide reimbursement of as follows: Plan pays 90% of eligible expensesapproved schedule fees. Benefits (viiih) and (ixi) will be subject to 50% co-insurance. APPENDIX “2” - PULP AND PAPER INDUSTRY LONG TERM DISABILITY PLAN SUMMARY

Co-Insurance. In respect of Benefits (i) to (vii), the Plan will provide reimbursement of 90% of eligible expenses. Benefits (viii) and (ix) will be subject to 50% co-insurance. APPENDIX “"2” " PULP AND PAPER INDUSTRY LONG TERM DISABILITY PLAN SUMMARY