CANADIAN MERCHANT SERVICE GUILD

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1 2006 CANADIAN MERCHANT SERVICE GUILD WESTERN BRANCH PENSION PLAN (Towboats) This statement has been prepared for:

2 2006 CANADIAN MERCHANT SERVICE GUILD WESTERN BRANCH PENSION PLAN (Towboats)

3 Printed March 2007

4 Table of contents Personal information... 5 Respecting your personal information... 6 Funding... 7 Required member contributions... 7 Required employer contributions... 7 Additional (member) voluntary contributions (AVC)... 7 Credited investment earnings... 8 Pension account balance... 8 Work and contribution history for Benefits Estimated and projected purchasing power of DC account What are the benefit entitlements if you die prior to retirement? financial statement Your personal estate checklist Important actions to take now Location of important documents Rights to information... 21

5 In our member bulletin dated October 14 th, 2005, we announced the launch of the new Canadian Merchant Service Guild Western Branch (Towboats) website. Our intent was to meet our promise of providing you with additional information about the plan. We hope that you have had a chance to visit the site at and benefit from the information that is now available to you online. To improve the flow of information, we have made some changes to your Pension statement. The following information, which was available previously only on a yearly basis, is now available directly on the new internet site: explanation of the pension plan; retirement dates; forms of pension available; benefits on termination of plan membership; death benefits; disability benefits; investment management approach; selecting the appropriate fund; and glossary of terms. You will also be able to access a number of our administrative forms by clicking the Pension plan /administration forms tab. We hope that the website assists in providing you with up-to-date information about your plan. Sincerely, Coughlin & Associates Ltd., your plan administrator, and the Trustees.

6 Western Branch Pension Plan Towboats Personal information Name: SIN: Date of birth: Beneficiary: (Name) (SIN) (DOB) (Beneficiary) Spouse: (Name 2) Spouse s SIN: (SIN 2) Spouse s date of birth: (DOB 2) Vesting date: (new merge field 13.5) Normal retirement date: (age 60) Early retirement date: (age 50) On December 31 st, 2006 your funds were invested in the (new merge field 16) portfolio. At January 1, 2007 your funds were invested in the (new merge field 17) portfolio. If your personal information is incomplete, or where personal figures regarding your Pension cannot be calculated, the corresponding field will show N/A. It is important to update any missing or incorrect information on your file. Simply contact the plan administrator, Coughlin & Associates Ltd., as indicated on the last page of this personalized pension statement. 5

7 Canadian Merchant Service Guild Respecting your personal information The administrator of your group Pension plan is Coughlin & Associates Ltd. At Coughlin, we recognize and respect every individual s right to privacy. When personal information is provided to us, we establish a confidential file that is kept in the offices of Coughlin, or the offices of an organization authorized by Coughlin. We use the information to administer the group pension plan. We limit access to information in your file to Coughlin staff or persons authorized by Coughlin who require it to perform their duties, to persons to whom you have granted access, and to persons authorized by law. Coughlin uses your Social Insurance Number for the purposes of government reporting, identification and administration of your pension plan. Coughlin may exchange your personal information with the following persons, organizations or parties: financial institutions; government agencies; insurance companies; employers or former employers; your local union, plan trustees, pension advisory committee members, actuaries and auditors. Coughlin may use the personal information on file to provide you with additional information regarding any benefits to which you are entitled. 6

8 Western Branch Pension Plan Towboats Funding Required Member Contributions As outlined in the collective agreement between the Guild and certain members of the Council of Marine Carriers, you are required to contribute 7.5 per cent of your basic wages by payroll deduction. If you are party to a different collective agreement, the rate of contribution may differ. Contributions are remitted to the plan on a regular monthly basis. Required Employer Contributions As set out in the collective agreement effective October 1, 2000, your employer(s) is/are required to contribute to the plan an amount equal to 8.5 per cent of your basic wages on a regular monthly basis. One per cent goes toward a disability fund and is not credited to your account The employer contributions made on your behalf are not a taxable benefit to you until you collect a benefit. Employer contributions are included in the pension adjustment (PA) reported on your T4 to the Canada Revenue Agency each year. The one per cent disability contribution should not be included in the PA. AdditionaL (Member) Voluntary Contributions (AVCs) If you wish, you may make additional voluntary contributions (AVCs) to the plan by completing the appropriate application. The total additional amount that you may contribute to this plan and/or any RRSP is determined by tax rules that became effective in If you plan to make AVCs, it is your responsibility to ensure that you are familiar with the applicable legislation. If you are not sure, consult a tax adviser. To qualify as pension plan contributions, contributions must be made before December 31 of that same year. 7

9 Canadian Merchant Service Guild Credited Investment Earnings The net rate of return credited to your account will take into consideration a portfolio change effective July 1, 2006, if you so elected. The net rate of return earned by the (new merge field 18) fund in 2006 was (new merge field 19). The net rate of return earned by the (new merge field 20) fund to June 30, 2006 was (new merge field 21) and the net rate of return earned by the (new merge field 22) fund from July 1, 2006 to December 31, 2006 was (new merge field 23). This rate was applied to your member contributions, employer contributions and additional voluntary contributions as shown below. Pension Account Balance Opening account balance (January 1, 2006)...$000,000,000 Opening balance of required contributions...$000,000,000 Member required contributions for $000,000,000 Employer required contributions for $000,000,000 Total contributions for $000,000,000 Investment earnings (loss) for 2006 on required contributions and account balance...$000,000,000 Subtotal... $000,000,000 Opening balance of assets transferred from other plan(s)...$000,000,000 Assets transferred in 2006 from other plan(s)...$000,000,000 Investment earnings (loss) for 2006 on transferred assets... $000,000,000 Subtotal... $000,000,000 8

10 Western Branch Pension Plan Towboats Opening balance of additional voluntary contributions (AVCs)...$000,000,000 AVCs made in $000,000,000 Investment earnings (loss) for 2006 on AVCs...$000,000,000 Subtotal... $000,000,000 Closing account balance (December 31, 2006)...$000,000,000 NOTE: The total contributions received in 2006 do not include the one per cent disability contributions made on your behalf to the disability account. Work and Contribution History for 2006 The pension plan funding falls under the terms of the collective agreement, which defines the funding requirements. The following table summarizes the contributions received by the administrator on your behalf. It is very important that you verify and reconcile this data immediately. Should there be any discrepancies, please notify the administrator as quickly as possible.

11 Canadian Merchant Service Guild Work Month Name of Basic Contributions month processed employer earnings Employer member AVCs 10

12 Western Branch Pension Plan Towboats NOTE: Only contributions remitted between February 1 and the year-end closing date (usually January 31 of following year) are listed above. Any current year remittances received after closing will appear in the next booklet. In connection with the annual audit of our records, please review your statement for pensionable earnings. Report contribution inaccuracies directly to our auditors: Bouris Wilson LLP, 1701 Woodward Drive, Ottawa, Ontario, K2C 0R4; Attn. Mr. James C. Dykstra, CA, (fax ; and to the plan administrator, Coughlin & Associates Ltd. 11

13 Canadian Merchant Service Guild Benefits Estimated and Projected Purchasing Power of DC Account The following table identifies the estimated monthly pension that can be provided at age 65, including government programs. It also outlines what can be purchased from member and employer contributions, transfers from funds in other plans and AVCs, where applicable. Please refer to the assumptions (indicated by the asterisk(s)) used to determine the data listed below. Estimate at age 65 At January 1, 2007 Source Estimated monthly pension 1. from pension account balance*...$000,000, from AVCs and investment returns*...$000,000, from funds transferred in from other plans with investment returns*...$000,000,000 Total estimated projected pension available at age 65...$000,000, the present CPP benefit payable at 65 is**... $ the present OAS benefit payable at 65 is**...$ Total available at age 65...$000,000,000 * Using the assumptions that the fund will earn 5.0 per cent per annum from January 1, 2007 until you reach age 65 and a joint and last survivor annuity is purchased, reducing to 60 per cent with a five-year guarantee when the interest rate is 5.5 per cent. ** Assumes you are eligible for the maximum benefit provided by government-sponsored programs (CPP & OAS). 12

14 Western Branch Pension Plan Towboats Based on the assumptions below, if you wish to retire at age N/A, the following table illustrates the estimated monthly pension that can be provided based on the earnings to date from government programs as well as purchases from member and employer contributions, transfers-in from other plans and AVCs, where applicable. Please refer to the assumptions used in determining these figures. Estimate at age N/A At January 1, 2007 Source Estimated monthly pension 1. from pension account balance*...$000,000, from AVCs and investment returns*...$000,000, from funds transferred in from other plans with investment returns*...$000,000,000 Total estimated projected pension available at age N/A...$000,000, the present CPP benefit payable at N/A is**...$ the present OAS benefit is not payable before N/A Total available at age N/A...$000,000,000 * Using the assumptions that the fund earns 5.0 per cent per annum from January 1, 2007 until you reach age N/A and a joint and last survivor annuity is purchased, reducing to 60 per cent with a five-year guarantee when the interest rate is 5.5 per cent. ** Assumes the early retirement reduction factor for CPP remains at six per cent per year of early retirement. 13

15 Canadian Merchant Service Guild If you wish to retire at age N/A, the following table, based on the assumptions below, illustrates the estimated monthly pension that can be provided based on the earnings to date from government programs as well as purchases from member and employer contributions, transfers-in from other plans and AVCs, where applicable. Please refer to the assumptions used in determining these figures. Estimate at age N/A At January 1, 2007 Source Estimated monthly pension 1. from pension account balance*...$000,000, from AVCs and investment returns*...$000,000, from funds transferred in from other plans with investment returns*...$000,000,000 Total estimated projected pension available at age N/A...$000,000, the present CPP benefit payable at N/A is**... N/A 5. the present OAS benefit is not payable before N/A Total available at age N/A...$000,000,000 * Using the assumptions that the fund earns 5.0 per cent per annum from January 1, 2007 until you reach age N/A and a joint and last survivor annuity is purchased, reducing to 60 per cent with a five-year guarantee when the interest rate is 5.5 per cent. ** CPP is not available before age

16 Western Branch Pension Plan Towboats What are the benefit entitlements if you die prior to retirement? Had you died on December 31, 2006, your benefits would have been payable as follows: Where death occurs before retirement: a) the pension account balance with investment earnings...$000,000,000 b) the value of funds transferred from other plans with investment earnings...$000,000,000 c) the additional voluntary contributions with investment earnings...$000,000,000 Death benefit value...$000,000,000 If you do not have a spouse, your beneficiary or estate will receive a lump sum refund of the death benefit, less applicable taxes. If you have a spouse at the time of your death, your spouse will receive the amount accumulated in your pension account and any accrued investment earnings as a death benefit. The spouse may transfer the death benefit to a locked-in registered retirement savings plan (LIRRSP) or purchase an immediate or deferred life annuity or life income fund from an insurance company. 15

17 Canadian Merchant Service Guild 2006 financial statement The following information has been taken from the 2006 auditor s report. Canadian Merchant Service Guild Western Branch Pension Plan (Towboats) Statement of changes in net assets available for benefits for the year ended December 31, 2006 Increase in assets Investment income Income from managed portfolio $503,995 $567,640 Interest income on current account 46,017 70,000 Net income on security transactions 15,283,018 14,198,944 Increase (decrease) in market value (959,017) (121,815) Contributions Mandatory employers 2,927,839 2,997,202 Mandatory members 2,927,659 2,998,615 Disability 235, ,183 Deferred disability 111, ,923 Voluntary 180,441 93,666 Transfer in 39,525 0 Total increase in assets $21,296,855 $21,225,358 16

18 Western Branch Pension Plan Towboats Decrease in assets Plan operation Administrative expenses $366,986 $362,611 Investment management fees 429, ,859 Benefits and refunds paid Purchase of annuities 0 90,280 Death benefits 1,994, ,848 Refund on terminations and retirements 9,770,392 11,243,513 Total decrease in assets $12,561,319 $12,470,111 Increase (decrease) in net assets $8,735,536 $8,755,247 Net assets available for benefits at start of year 135,714, ,450,371 Net assets available for benefits at end of year $144,450,371 $153,205,618 17

19 Canadian Merchant Service Guild Your personal estate checklist Important Actions to Take Now 1. Draw up a will, if you have not already done so. Without a will, payments from your estate may be delayed and your intentions regarding the distribution of your estate may not be followed. Review your will and/or legal documents once a year for: changes in beneficiaries resulting from birth, death, marriage, etc.; changes in your financial situation resulting from maturity of children, illness, significant changes in assets, etc.; changes in federal or provincial tax, probate or property law that may affect your will; and changes in executors, trustees, and guardians for your children. 2. Review your insurance program to ensure it meets your present needs. 3. Verify the beneficiaries that you have named for your pension and insurance benefits. If you would like to change your beneficiaries, or name a beneficiary where you have none on record, complete a new beneficiary designation form available from the plan administrator. If you wish to designate someone other than your legal spouse, a spousal waiver must be signed and notarized. 4. Record your private financial matters below: 18

20 Western Branch Pension Plan Towboats Location of important documents Will My will is located at My executor is My lawyer is Personal Life Insurance policies Company Beneficiary Amount Bank accounts Bank Branch Account no. Registered Retirement Savings Plans Company Branch Account no. 19

21 Canadian Merchant Service Guild Safety deposit box Bank Branch Box no. Other important documents Mortgage Birth certificate Marriage certificate Passport 20

22 Western Branch Pension Plan Towboats Rights to information The outline of the pension plan that is illustrated in this statement does not create or confer any contractual or other rights. The plan is subject to amendment and modification from time to time at the trustees discretion as circumstances warrant. All rights and obligations with respect to the plan will be governed solely by the official documents governing the Canadian Merchant Service Guild Western Branch Pension Plan (Towboats). On reasonable written notice members, former members, members spouses, beneficiaries or authorized representatives may review any documents relating to the plan at offices of either the Guild or the administrator. Photocopies are available at a fee. Available document Annual information returns; Audited financial statements; Collective agreement; Custodian agreement; Investment manager agreements; Plan document; Statement of investment policies and procedures; and Trust agreement; Please keep this statement as a permanent record. We hope that you will find it helpful in understanding your interest in the plan. Please advise the administrator of any errors or omissions. 21

23 Canadian Merchant Service Guild Board of trustees Guild: Employers: R. Cahill B. Geen Capt. T. Monteski B.E. Sims Capt. D. Overstall G. Wilson Administrator P.O. Box 3517, Station C Ottawa, ON K1Y 4H5 Tel toll-free Fax CMSG office 218 Blue Mountain Street Coquitlam, BC V3K 4H2 Tel. (604) Fax (604) Auditor Bouris, Wilson LLP Custodian Royal Bank of Canada Canada Revenue Agency Registration Number OSFI Registration Number E & OE 22

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