Employee Referral Program  Receive a cash reward upon referring a successful candidate Employee Assistance Program  Confidential counselling and referral services for employees and their families on personal or work related matters that may affect their physical or emotional well-being.  Carrier: Morneau Shepell Group Home & Auto Insurance Program  Discounted rates on customized insurance packages and options for home and auto insurance  Carrier: Economical Select Group Mortgage Program  Mortgage savings on home purchase, mortgage renewal, debt consolidating, refinancing, etc.  Carrier: True North Mortgage Vehicle Purchase Program  Purchase or lease a select model at an exclusive discount  Carrier: GM, Ford, Chrysler Fitness Membership Discount  Save up to 15% off regular fitness memberships  Carrier: Good Life Fitness or Energie Cardio in Quebec Computer / Electronics Discount  Discount on computers and other electronics  Carrier: Dell Cell Phone Discount  Discount on cell phone plans and phone-related electronics  Carrier: Telus

Eligibility  Eligible to join plan any time from date of hire  Mandatory to join after 2 years of service Employee Contributions  3.5% of total earnings (base salary + bonus + commissions + overtime) Company Contributions  3.5% of total earnings (base salary + bonus + commissions + overtime) Withdrawals  Not permitted

Basic  85%; maintenance checkups, fillings, minor surgery, endodontic, periodontics and denture repairs  6 month oral exams Major Restorative  50%; includes dentures, bridgework, restorations, complex surgery and implants Orthodontia  50% up to $2,500 / lifetime / person (no age restriction) Overall Maximum  Basic and Major Restorative combined: $2,500 / calendar year / person Annual Deductible  Nil Dental Fee Guide  Payment based on the current year Dental Fee Guide for Province of Residence

  Drug  85%; written prescription required  Dispensing fee: up to $10 / prescription (except Quebec)  Generic drug substitute mandatory unless unavailable or adverse side effects Hospital  100%; semi-private accommodation Out of Canada  100%; includes emergency treatment in excess of provincial Medicare & emergency personal travel assistance benefit  Limited to $1,000,000 / lifetime / person Manu Assist Travel  Medical emergency while traveling outside province  Max period of 60 days Major Medical  100%; includes medical supplies and appliances Vision  100%; up to $250 / 24 months for frames, lenses, contact lenses, and laser eye surgery  1 eye exam / 12 months Hearing Aids  85%; up to $1,000 / 36 months / person Private Nursing  100% for in-home private duty nursing  $10,000 / calendar year / person Paramedical Practitioner  Includes Physiotherapist, Chiropractor, Psychologist, Massage, Speech, Osteopath, Naturopath, Podiatrist, Chiropodist, Acupuncture  All combined paramedical $1,000 / year / person Annual Deductible  Nil Overall Maximum  Unlimited (inside Canada)

Basic Life Insurance  Employees: 2.0x annual base salary; maximum of $500,000  Sales: 2.0x annual base salary + commission maximum of $500,000  Age Reduction: Reduce by 50% at age 65 Basic AD&D Insurance  Matches Basic Life Insurance  Benefit provided in the event of accidental death, dismemberment or paralysis due to an accident Dependent Life Insurance  Flat benefit of $10,000 for spouse and $5,000 for each dependent child Optional Insurance  Additional Life and AD&D insurance available through payroll deductions  Purchase in increments of $10,000 up to $250,000 for employee & spouse  Purchase in increments of $5,000 up to $50,000 for dependent children  Application is made within 31 days of insurance eligibility date  100% paid by employee via payroll deductions

Long Term Disability (LTD)  Begins after 26 weeks of disability; stops at age 65 or recovery or death  Monthly LTD benefit not to exceed 90% of monthly pre-disability income  LTD Benefit pays 60% of first $2,500 monthly earnings; 50% of next $2,250 monthly earnings; 40% of remaining earnings up to a max benefit of $5,500 / month less any CPP, Worker’s Compensation, other earnings  LTD Earnings = Base Salary + Commission (average 3 prior calendar years)  Definition of Disability: based on the regular duties of your own occupation during the first 24 months of LTD benefit; any occupation thereafter  Premiums are 100% employee paid, therefore non-taxable if ever collected

Short Term Disability (STD)  Continuation of income if off work due to sickness or non-occupational injury The first three days of sick payments are subject to management approval  After three successive days of absence, doctor’s note is required  STD Earnings = Base Salary + Car Allowance + Commission (average 3 prior calendar years up to max $75,000)  Payments may continue for up to 26 weeks for any one period of disability