DESJARDINS GROUP PLANS

DESJARDINS GROUP PLANS Quick Reference Guide for New Employees The Desjardins Group Plans website lets employees enrol themselves in the group insurance plan, modify their group insurance coverage as needed and submit claims online. The site also lets employees estimate their retirement income using a pension simulator, view their Desjardins Group Pension Plan (DGPP) annual statement and submit various requests. In addition, the site contains information on the group plans, animated information videos and all the administrative forms employees may need. Accessing the Group Plans Website. Visit www.rcd-dgp.com. Is this is your first time on the site and you want to enroll in the group insurance plan and make your coverage choices? You must first register on the site. Click the Consult and edit my Group Insurance file button under My Secure Access at the top right of the screen. Click the To Register button to get a user ID and password; simply follow the on-screen instructions and enter the required information and then click Continue. Write down this information and keep it in a safe place. You will need it when you want to access the secure site in the future. Please note: > Group number: EMP1234E > Certificate number: Desjardins Insurance will send you this number once your file has been created in your employer s payroll system. Complete your registration. To access the member screens, enter your user ID and password on the identification screen and then click Confirm. Are you a newcomer to the plan? All new eligible Desjardins Group employees must make their group insurance coverage selections on the site as soon as possible to minimize retroactive premium deductions on their pay cheques, as enrolment in the plan is retroactive to the eligibility date. Here s how to enroll in the plan: > Make your group insurance choices: Click on Enroll in or make a change to my file under I want to. Then click on New Enrolment under Plan Administration. My personal file: To simulate different scenarios to calculate coverage costs before entering your choices, click on Simulation. You are now ready to enter your choices. > Print, complete and sign the Revocation, Designation or Change of Beneficiaries form located in the Guide and Forms section under I want information, keep a photocopy for your records and remit the original to your employer. > As needed, print, complete and sign the Insurability Report, keep a photocopy for your records and send the original to the following address: Desjardins Insurance Life - Health - Retirement C.P. 3000 Lévis (Québec) G6V 9X8

2 SUMMARY OF YOUR PENSION PLAN The Desjardins Group Pension Plan (DGPP) is a defined benefit plan. When you retire, your pension will be determined based on your age at retirement, your number of years of membership and your final average salary. In the event you leave your job before age 55, a benefit corresponding to 175% of your cumulative contributions with interest is guaranteed in case of transfer. Eligibility for the DGPP: REGULAR EMPLOYEE OTHER STATUSES Employee age 25 or older: mandatory Employee under age 25: optional In addition to the age criteria, you must respect the following requirements: - Full-time employee (35 hours) and part-time (14 hours or more): membership is immediate - Part-time employee who works less than 14 hours: membership on January 1 of the following year, if the employee has worked 700 hours or has received total remuneration of at least 35% of the MPE in the previous calendar year. (MPE: Maximum Pensionable Earnings eligible for the QPP 1 or the CPP 2 ) Immediate membership if the employee has worked for 700 hours or received total remuneration of at least 35% of the MPE during the previous calendar year. Otherwise, the employer will check again on January 1 of the following year. PLAN FEATURES Pension formula > Pension formula (per year of credited service) > Final average salary > Salary > Average MPE Retirement ages > Normal retirement age > Early retirement period > Deferred retirement period Early retirement > Retirement with non-reduced pension > Reduction applicable Pension indexation > Before retirement (deferred pension only) > At retirement FOR SERVICE AS OF DECEMBER 30, 2012 > 1.5% of average salary up to average MPE plus 2.0% of the excess > Average salary from eight-best years > Basic salary > Average of the maximum pensionable earnings under the QPP or CPP from the year and four previous years > Age 65 > Between age 55 and 65 > After age 65 (payment of the pension must commence at the end of the calendar year in which the member attains age 71) > Age 62 > 4% for each year before age 62 > Annually to age 55, based on 50% of the CPI 3 increase, subject to a maximum of 2% a year > Starting on January 1 after the 65th birthday, for a 10-year period based on the CPI 3 to a maximum of 1% per year (calculated pro rata for the first and last years of indexation) > Flexibility option at retirement 1. RRQ Régie des rentes du Québec 2. CPP Canada Pension Plan 3. Consumer Price Index > Various optional forms of pension are available at retirement

3 PLAN FEATURES Benefit in case of death during retirement > Member with or without a spouse at retirement > Optional benefit payment methods FOR SERVICE AS OF DECEMBER 30, 2012 > Life annuity, guaranteed 10 years > Several options available providing flexibility at retirement Employee contributions > Formula > Pensionable earnings > Sharing of DGPP costs > 7.45% of pensionable earnings up to 65% of MPE, plus 10.85% of the excess > Salary corresponding to hours worked at regular rate > 65% by employers and 35% by active members; which means that the employer pays 1.85 times the employee contribution Termination of membership > Benefit > Payment options > Minimum benefit in case of transfer Transfert > Sums accumulated in the pension plan of a previous employer > Indexed deferred annuity (with early retirement option starting at age 55 with actuarial reduction) > Deferred annuity payable from the plan or transfer (before age 55) of the value of deferred annuity > 175% of employee contributions with accrued interest > If the benefits are still in the previous employer s plan > Option of transferring the value accumulated in the DGPP Want to view your personalized annual DGPP statement or make a request? Register on the Group Plans site. Click on Desjardins Group Pension Plan in the My Secure Access section on the right of the screen. You are now on the I am a Member page in the DGPP section. Click on This is the FIRST TIME and then on I already have a User ID Register using the same user ID and password as for the group insurance plan site. Your contract and certificate numbers can be found on your group insurance payment card. By going back to the I am a Member page, you can enter your password to access your pension file. You will then be presented with the site s terms of use, which you must accept (bottom of page), and then the My File section where you can view your annual DGPP statement in the My annual statements section. If you forgot your User ID or your password for the DGPP section, please use the I forgot my password function.

4 SUMMARY OF YOUR GROUP INSURANCE PLAN Plan eligibility: Regular employees must work a minimum of 10 hours a week. Temporary employees must have a firm 1-year contract (35 hours/week) or have worked for one year (35 hours/week) without interruption at one or more Desjardins employers.s. LIFE COMPONENT Life Insurance and Accidental Death and Dismemberment (AD&D) Basic insurance for employees - Basic Life Insurance: 1 or 2 x salary (choice), minimum $13,500 - In case of accidental death: equal to the selected multiple of basic life - Accidental dismemberment: percentage of the amount of insurance based on the dismemberment Optional coverage Employee Spouse Per child SPOUSE AND CHILDREN S LIFE INSURANCE n/a $13,500 $5,400 ADDITIONAL LIFE 1 to 4 x salary 1 ½ to 4 x salary 1 n/a ADDITIONAL AD&D - ACCIDENTAL DEATH Amount equal to additional life insurance - ACCIDENTAL DISMEMBERMENT % determined based on dismemberment 1. Minimum coverage amount of $13,500 Amount equal to additional life insurance % determined based on dismemberment n/a n/a Critical Illness coverage Lump-sum amount payable if the illness occurs for the first time The coverage terminates on payment of the benefit Payment of the benefit is subject to certain conditions that may vary based on the illness Employee Spouse Per child BASIC (without evidence of insurability) $10,000 n/a n/a ADDITIONAL (with evidence of insurability, except for children) - MINIMUM $20,000 $20,000 $20,000 - MAXIMUM 2 x employee s salary 2 x employee s salary $20,000 - COVERED ILLNESSES Stroke, loss of speech, severe burns, cancer, blindness, coma, heart attack, muscular dystrophy, vital organ transplant, HIV infection, kidney failure, Alzheimer s disease, Parkinson s disease, paralysis of two limbs, loss of two limbs, coronary artery bypass, multiple sclerosis, deafness Illnesses covered for adults plus: mental deficiency, cystic fibrosis, congenital heart disease, cerebral palsy, spina bifida, trisomy

5 HEALTH COMPONENT The individual situations of each employee, his spouse and their dependent children determine their needs, which can change over time. That s why there are four options available to you. Each option corresponds to a usage profile that includes a package of health care services that correspond to the profile. You must choose one of these four options for your health care insurance coverage. The option will apply to you, your spouse and your dependent children, as the case may be (individual, couple, family or single-parent coverage). The premiums payable depend on the range of health care services included in the option selected. The health care options are: Temporary employees are eligible for the PREVENTIVE option only. Rules for changing the health care option You may change to a more generous option at any time unless you are disabled. You may not change to a less generous option unless you have kept an option for at least three years. If a choice is not made in the 45 days following the date you became eligible, you will be automatically assigned the following coverages with retroactive premiums: Basic life: 2 times salary with AD&D Basic Critical illness Individual coverage under the Preventive option Short-term and long-term disability The employee can then make the changes he wants in accordance with the terms and conditions of the plan in effect on the date of the change. NOTE ABOUT RETIREMENT Your choice of coverage type has an impact on the type you will have at retirement. For a retiree to be entitled to the family, couple, or single-parent coverage, he must have held that coverage type for at least 5 of the last 10 years or from the time he acquired dependents and, of course, must be eligible for the coverages at retirement. Every option forms a whole and cannot be partitioned. For more information on eligible care, consult the policy on the Website under Information on the Plan. All amounts indicated are calculated on an annual basis unless otherwise stipulated. Drug Insurance 1 DEDUCTIBLE None None None None REIMBURSEMENT 75% up to RGAMQ 2 annual maximum, 100% thereafter ELIGIBLE EXPENSES Drugs on the RGAMQ 2 list only Application of mandatory generic substitution 3 80% up to RGAMQ 2 annual maximum, 100% thereafter Drugs on the RGAMQ 2 list only Application of mandatory generic substitution 3 80% up to RGAMQ 2 annual maximum, 100% thereafter Drugs requiring a prescription Application of mandatory generic substitution 3 90% up to RGAMQ 2 annual maximum, 100% thereafter Drugs requiring a prescription Application of mandatory generic substitution 3 PREVENTIVE VACCINES Not covered Not covered Not covered Max. $50 per vaccine 1. You can pay less at the pharmacy and help keep your group insurance premiums down by purchasing your medication responsibly: Ask your pharmacist for a 60- or 90-day supply. Pay attention to price fluctuations for the same drug at different pharmacies you can save big simply by choosing a pharmacy that offers a more competitive price. 2. RGAMQ: Quebec general prescription drug insurance plan (public plan) 3. For more information, visit the Health is Cool 360 platform at www.rcd-dgp.com.

6 Extended Health Care Insurance (Hospital, ambulance, paramedical care and travel insurance) DEDUCTIBLE None $45 individual $60 other $45 individual $60 other $45 individual $60 other REIMBURSEMENT 75% 80% 80% 90% ELIGIBLE EXPENSES - TRANSPORTATION BY AMBULANCE 1 Covered Covered Covered Covered - PARAMEDICAL CARE 2 Not covered Nursing care (eligible maximum of $3,000) - SHORT-TERM HOSPITALIZATION 1 Semi-private room (reimbursed at 100%) Paramedical A - eligible max. of $60 per visit - annual max.: $400 for individual coverage and $800 for other Semi-private room (reimbursed at 100%) Paramedical A + B - eligible max. of $60 per visit - annual max.: $400 for individual coverage and $800 for other (B combined maximum) Prosthesis, wheelchair, therapeutic equipment, etc. Semi-private room (reimbursed at 100%) Paramedical A + B + C - eligible max. of $60 per visit - annual max.: $800 for individual coverage and $1,600 for other (B + C combined maximum) Semi-private room at 100% + 80% of extra cost for private room - LONG-TERM Max. $650 a month Max. $650 a month Max. $650 a month Max. $650 a month HOSPITALIZATION 1 - TRAVEL INSURANCE 1 Reimbursed at 100% Reimbursed at 100% Reimbursed at 100% Reimbursed at 100% - LAB FEES Not covered Not covered Not covered Covered 1. Expenses not subject to the deductible 2. Paramedical A (maximum per specialist): Physiotherapist, rehabilitation therapist, occupational therapist, speech, hearing and vision therapist, podiatrist Paramedical B (maximum for all specialists): Chiropractor, osteopath Paramedical C (maximum for all specialists including B): Naturopath, acupuncturist, homeopath, homeopathic medication, massage therapist, orthotherapist, dietician, nutritionist Psychological Assistance Program DEDUCTIBLE None None None None ELIGIBLE EXPENSES REIMBURSEMENT - VIA ASSISTANCE SERVICE Consultation limit of 10 hours per insured Victim Assistance Program - DIRECT APPROACH 80% with max. eligible hourly rate of $60 Consultation limit of 10 hours per insured Victim Assistance Program Consultation limit of 10 hours per insured Victim Assistance Program Consultation limit of 10 hours per insured Victim Assistance Program 100% 100% 100% 100% 80% with max. eligible hourly rate of $60 80% with max. eligible hourly rate of $60 80% with max. eligible hourly rate of $60

7 Vision Care DEDUCTIBLE None None None None REIMBURSEMENT 75% 80% 80% 90% ELIGIBLE EXPENSES - EYE EXAM - GLASSES OR CONTACT LENSES Max. $60/24 months Max. $60/24 months Max. $60/24 months Max. $60/24 months Not covered Not covered Not covered Max. $250/24 months - LASER SURGERY Not covered Not covered Not covered Lifetime max. $250/eye Dental Care ELIGIBLE EXPENSES - PREVENTIVE EXAMS 1 exam/year 1 exam/year 2 exams/year 2 exams/year - DEDUCTIBLE None None None None - REIMBURSEMENT 100% 80% 80% 100% EXTENDED CARE AND PROSTHESES - DEDUCTIBLE Not covered 75$ 75$ 75$ - REIMBURSEMENT Not covered 60% 80% 80% Extended care Prostheses Not covered 50% 80% 80% - ANNUAL MAXIMUM Not covered $1,200 $1,500 $2,000 ORTHODONTIC CARE - DEDUCTIBLE Not covered Not covered Not covered None - REIMBURSEMENT Not covered Not covered Not covered 50% - LIFETIME MAXIMUM Not covered Not covered Not covered $1,500 Health Spending Account IND./COUPLE OR SINGLE-PARENT/FAMILY None $400/$600/$800 $400/$600/$800 None YOUR SALARY Short-Term Disability Insurance First 2 weeks: covered by the employer Next 12 weeks: 85% of salary Next 12 weeks: 80% of salary Long-Term Disability Insurance As of the 27th week of total disability 70% of salary Indexation according to Consumer Price Index (CPI) up to a maximum of 1% for 10-year period Benefits terminate by age 62 at the latest Only regular employees are eligible for the coverage

8 You want to consult your group insurance file or make a change to your file? Life Component > Reduce or increase your life insurance > Change your or your spouse s smoking status Health Care Component > Change your health care option > Change your coverage type To make changes, you must log onto the secure group insurance site, under I want to, under the appropriate section. Leave (maternity, parental, unpaid) > Change your insurance during leave You want information about? > Direct deposit and electronic notice service > Online claims > Forms > Summary or detailled description of the group insurance plan or pension plan > Communiqués issued since September 2002 > The impact of various life events on your two group plans To get this information, you must log onto the secure group insurance site, go to the group insurance site, under I want information. To get this information, you must access the section corresponding to your need under I want to on the secure group insurance site. To get this information, you must go to Group Plans site under the appropriate section. For complete and detailed information Go to the Desjardins Group Group Plans site at www.rcd-dgp.com Browsing issues or revoked access? 1-866-838-7577 Group insurance for Desjardins Group employees and retirees 1-877-465-7935 mygroupinsurance@dsf.ca Desjardins Group Pension Plan (DGPP) 1-866-434-3166 or 514-285-3166 desjardinsgroupplans@desjardins.com 03131E (12-14) Desjardins Group Insurance Plan effective on January 1, 2015. Desjardins Group Pension Plan effective on December 30, 2012.