P&D OWNER OPERATOR PROGRAMS

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1 P&D OWNER OPERATOR PROGRAMS DECEMBER 2013

2 T A B L E O F CONTENTS GROUP BENEFITS Owner Operator Group Insurance Downtime Insurance Program AWARDS & RECOGNITION Safety Pin Program Million Miles Award Program Owner Operator/Driver of the Year Award Years of Service Recognition Program Quarterly Safety Bonus Program Safe Inspection TRUCK MAINTENANCE & REPAIR Discounted Tires Discounted Parts and Labour Rental Equipment Purchase Order Program SAVINGS RRSP s Canada Savings Bonds NO COST TO OWNER OPERATORS Decals Tolls Worker s Compensation Uniform Allowance Business Seminars REDUCED COSTS TO OWNER OPERATORS Fuel Costs Irving Tissue Purchase Plan GM Discount Program Ford Discount Program Nissan-Infiniti Discount Program GoodLife Fitness Discount Program Dell Discount Program TD/The Personal Insurance Discount Program MISCELLANEOUS ITEMS Transport to the Future Scholarship Fund Direct Deposit Owner Operator Savings Voluntary Income Tax Remittance Advances Referral Program Sign On Bonus SUBLEASE PROGRAM Owner Operator Sublease Program

3 OWNER OPERATOR GROUP INSURANCE SAFETY PIN PROGRAM Safety pins are awarded to full-time Owner Operators for each year of accident-free driving with Midland. These numbered pins are awarded on the Owner Operator s anniversary date each year. MILLION MILES AWARD PROGRAM Midland Transport s Million Mile Award Program will recognize P&D Owner Operators for every 10 years of accident free service with the company. Each recipient of the Million Mile Award will be presented with the following at the annual Million Miles Award Banquet: GROUP BENEFITS Midland Transport offers Owner Operators and their drivers the option of a Group Benefit Plan. Summary of Benefits: Life Insurance Dependent Life Insurance for Spouse and Children Weekly Indemnity Long Term Disability Health Insurance Dental Insurance AD&D Group plans do not require any medical underwriting and cannot decline coverage if coverage is applied for within 30 days of contract date. The Owner Operator and their family get the protection they need. The cost of the group plan is an average of 15% less than getting personal coverage with Blue Cross. DOWNTIME INSURANCE PROGRAM The Downtime Insurance Program provides protection for all Midland Transport Owner Operator units. There are no inspections or rejections. Cash Award for each 10 years of accident free service Custom Leather Jacket Plaque/Certificate Pin Special Personalized Hat OWNER OPERATOR/DRIVER OF THE YEAR AWARD Two Awards are given each year: one Highway Owner Operator/Driver and one City Owner Operator/Driver. Recipients receive a cash award and a plaque. YEARS OF SERVICE RECOGNITION PROGRAM Certificates are awarded for 5, 10, 15 and 20 years of service. Owner Operators with 25 years of service are invited to the annual 25 year banquet. QUARTERLY SAFETY BONUS PROGRAM All P&D units are entitled to receive a quarterly Safety Bonus. To receive this bonus, the unit must comply with the following: Have no preventable accidents for the quarter. Comply with the company uniform policy for the quarter. Have at least 12 paid days per month to qualify for the bonus. SAFE INSPECTION Effective September 1, 2013, each time an Owner Operator is given a clean DOT Inspection Report, they will receive a gift card. Simply turn in the inspection report to Driver Services and you will receive the gift card. AWARDS & RECOGNITION Summary of Benefits: Towing Buydown Downtime/Accident Expense Miscellaneous Expense Total Loss Voluntary AD&D is also available Accidental Death & Dismemberment

4 DISCOUNTED TIRES RRSP s TRUCK MAINTENANCE & REPAIR DISCOUNTED PARTS AND LABOUR Midland Owner Operators are eligible for a discount on Michelin Tires. This discount is 15-20% less than the retail price. This is an average savings of $150 per tire. In order to receive this discount, a purchase order must be obtained from Owner Operator Relations at Midland Head Office. Tire purchases can be deducted from the biweekly settlement per the purchase order guidelines. There is no interest charged on Michelin tire purchases, and only a $10 handling charge. Midland has a partnership with Universal Truck & Trailer. Midland Owner Operators are eligible for a discount on both parts and labour. This discount is an average of 10-20% off the regular retail price. AIR MILES Universal Truck & Trailer now offers Air Miles reward miles. Earn 1 Air Miles reward mile for every $40 purchased in parts and service and 1 Air Miles reward mile for every $100 in new truck sales. RENTAL EQUIPMENT In the event that the Owner Operator s equipment is not in service, Midland Transport may have equipment available to rent at an all inclusive rate per mile or per hour. Subject to availability of Midland equipment. An RRSP is a retirement savings plan that you establish and to which you contribute. Deductible RRSP contributions can be used to reduce your tax. CANADA SAVINGS BONDS RRSP s can be contributed to by deduction from your bi-weekly O/O Settlements payment. As this is a Group plan, Owner Operators benefit from lower management fees. Spousal RRSP s and Tax Free Savings Accounts are also available. Group Retirement Services will mail RRSP tax receipts to the Owner Operator to be used when income tax returns are filed. Canada Savings Bonds are available by deduction from Owner Operator Settlements. For more than 65 years, the Canada Savings Bonds Program has provided Canadians with a means to save for their financial goals in a way that is safe and convenient. SAVINGS PURCHASE ORDER PROGRAM Midland Transport will assist Owner Operators by providing a Purchase Order for emergency parts or repairs to their units. Purchase orders are deducted from the biweekly settlement over a set period of time. Handling charge and interest are calculated and applied by Owner Operator Settlements.

5 DECALS FUEL COSTS All decals are provided for Owner Operator units up to a maximum of $500. TOLLS Fuel purchased at authorized fuel stops designated by the company will be charged to the Owner Operator as follows: NO COST TO OWNER OPERATORS Tolls are 100% paid by Midland Transport. Owner Operator units are provided with transponders that cover almost all toll charges. Any toll charges that must be paid out of pocket are reimbursed by Owner Operator Settlements. Any necessary fax charges or trailer washes are also 100% paid by Midland. WORKER S COMPENSATION 100 % paid by the Company for Owner Operators not required, by Workers Compensation, to purchase and maintain his/her own WCB coverage. For those Owner Operators required to purchase and maintain his/her own WCB coverage, he/she must provide evidence of such coverage. Quarterly, these Owner Operators will be reimbursed at the Midland WCB rate up to the amount remitted to WCB by the Owner Operator. UNIFORM ALLOWANCE Midland Transport provides uniforms for the Owner Operators. Uniforms consist of a variety of items to pick from. Uniform Allowance is $ per year per unit. BUSINESS SEMINARS Midland and Grant Thornton offer a series of Owner Operator Business Seminars. Some of the items covered are: Maximizing your Taxable Deductions to Keep More of Your Money Truck Leasing vs. Buying IRVING TISSUE PURCHASE PLAN Once a year, Owner Operators are able to purchase four (4) cases per truck of Irving Tissue products at a reduced cost. The purchase is deducted through Owner Operator Settlements. GM DISCOUNT PROGRAM Domestic - $0.408 per litre of Diesel / $0.658 per litre of Gas Midland Owner Operators are eligible for a GM discount on new vehicles. FORD DISCOUNT PROGRAM Midland Owner Operators are eligible for a discount on the purchase or lease of a Ford, Lincoln, and Mercury vehicles in Canada. NISSAN-INFINITI DISCOUNT PROGRAM US - $1.54 per US Gal Midland Owner Operators are eligible for a discount on Nissan/ Infiniti vehicles in Canada. GOOD LIFE FITNESS DISCOUNT PROGRAM Since 1979, GoodLife Fitness has been educating, motivating, and helping Canadians reach their fitness goals. Midland Owner Operators are eligible for a discount of up to 15% on memberships. DELL DISCOUNT PROGRAM Midland Owner Operators are eligible for a discount of up to 30% on Dell products. Visit Dell.ca Member ID# REDUCED COSTS TO OWNER OPERATORS Controlling Maintenance Costs TD/THE PERSONAL INSURANCE DISCOUNT PROGRAM Benefits of Incorporation Great Tax Planning Strategies Midland Owner Operators are eligible for a discount on their personal vehicle/home insurance.

6 TRANSPORT TO THE FUTURE SCHOLARSHIP FUND Any student, who will have successfully completed a Grade 12 or equivalent and will be commencing a selected program no later than one day before their 25th birthday, can apply to the scholarship fund. VOLUNTARY INCOME TAX REMITTANCE Owner Operators have the option of voluntarily making payments to CRA for Income Tax. The amount of their choice is deducted from the bi-weekly settlement and remitted to CRA on the Owner Operator s behalf. ADVANCES Advances are available upon approval to assist Owner Operators in emergency situations. All requests for advances must be obtained through the Owner Operator Relations Department at Head Office. MISCELLANEOUS ITEMS Students must be a child of one of the following: a current full-time permanent employee or a Highway Owner Operator/City Owner Operator of Midland Transport Limited. A Child is defined as natural, adopted or step-child. Applications will be reviewed by a Scholarship Committee. Students will be assessed based on previous academic work at high school or postsecondary school, extra-curricular and community involvement, and on letters of recommendations from those who know them well. Two (2) Scholarships are awarded annually at $2000 each. DIRECT DEPOSIT Owner Operator s settlements are processed by direct deposit biweekly. There is also an option of a deposit to a second bank account. The second bank account would be set up to receive a flat dollar amount and the remainder of the settlement would go into the first bank account. REFERRAL PROGRAM Effective September 1, 2013, Midland introduced an Owner Operator Referral Program. Simply refer a new Owner Operator/Company driver to the Driver Services Department who is interested in joining Midland. If the referred candidate is successful in getting hired, you will receive an initial $ If the referred candidate is still with Midland after 3 months, you will receive an additional $ Eligibility Requirements The program does not apply to an existing Owner Operator adding additional units to the system. The referred Driver or Owner Operator must be filling an existing need in the system. The candidate must identify you as the individual who referred them on their application. There is no limit on how many referrals you can make. You will receive $ for each successful referred candidate. Employees working in Human Resources, Driver Services, and Recruiting are not eligible to participate. SIGN ON BONUS Effective September 1, 2013, Midland introduced an Owner Operator Sign-On Bonus Program to help fill difficult to fill positions in our fleet. Each Owner Operator vacancy that is eligible for the sign on bonus will be identified as Sign-On Bonus Eligible. MISCELLANEOUS ITEMS OWNER OPERATOR SAVINGS There is the option to contribute to an Owner Operator Savings account which is deducted from the bi-weekly settlement. This is a flat dollar amount selected by the Owner Operator to be put into an account with Midland. The funds in this account are available to the Owner Operator upon their request. All Owner Operators successful at bringing on a Sign-On Bonus Eligible unit with Midland will receive $ with their first settlement payment. If this Owner Operator unit is still with Midland after 3 months, the O/O will receive an additional $ This includes existing Owner Operators adding an additional unit to the Midland Fleet.

7 SUBLEASE PROGRAM Midland Transport offers a full service Sublease Program to Owner Operators. This program offers late model Freightliner Tractors. Here are some of the benefits of Leasing: Leasing is a quick and easy transaction to complete There s no down payment or credit check required Zero start-up costs for your trucking lease No long-term commitment No loss due to normal depreciation Many tax advantages SUBLEASE PROGRAM The leased vehicle can be returned and the agreement terminated with just 30 days notice. There is no long term lease to sign. Fixed Charge for Use of Truck deducted at twenty-six bi-weekly payments. The vehicle lease payment will be deducted from the bi-weekly Owner Operator Settlement. There will be a mileage charge associated with the lease of the vehicle that will be deducted from the bi-weekly Owner Operator Settlement. Midland is responsible for repairs and maintenance: Provided the Owner Operator operates the unit in a careful, non abrasive manner and not beyond its capacity, Midland will maintain and repair the leased vehicle; Midland will provide oil, lubricants, tires (due to normal wear and tear), tubes and other operating supplies necessary for the proper operation of the vehicle. LICENSING All pro-rated Licensing costs for Canada are the responsibility of the Operator. The annual cost of this Canadian Licensing will be deducted from the Operator over a 12 month period from the bi-weekly settlement. INSURANCE Operator will pay a mileage premium for insurance, which will be deducted from bi-weekly settlement on the paid miles.

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