Ryder Canada Employee Handbook For Hourly Employees

Table of Contents
Topic About this Handbook All About Ryder Ryder System Inc.’s Goals Ryder System Inc.’s Company Overview Our History The Power of R Ryder’s Service Offerings And Specifically About Canada Ryder Canada’s Address and Contact Listings Principles of Employment at Ryder Overview of the Principles of Business Conduct About Your Employment Employee Categories Recruitment, Transfers and Promotions Personnel Records Employee Personal Information Protection Policy Attendance, Punctuality and Dependability Dress Code Appearance Conduct Communications Use of Company Property Solicitations, Distributions and Use of Bulletin Boards Reference Checks Employee Expenses About Pay Pay Timing for Hourly Employees Overtime Pay Direct Deposit Time Records About Your Performance Performance Review Process Progressive Discipline About Your Development Training & Development at Ryder Tuition Aid Policy Online and Self Study Courses Ryder Internal Training Courses Page 6 8 9 10 11 15 16 18 19 20 21 25 26 27 29 30 35 35 36 36 36 37 38 39 40 41 42 42 42 42 44 45 46 47 48 48 49 49

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Taking Time Away from Work 50 Statutory Holidays 51 Vacation Policy 52 Bereavement Leave 56 Leaves of Absence 57 Compassionate Care Leave 58 Emergency Leave (Ontario Only) 59 Maternity and Parental Leave 60 Away from Work Due to Illness 61 About Your Benefits 62 A Word to Begin 63 About Your Benefits Guide 64 Respecting Your Privacy 65 General Information 66 Eligibility 66 Definitions 66 Enrolment 67 Cost and Participation 67 Optional Benefits 68 Effective Date 68 Changes in Coverage 68 Benefits at Age 65 69 Termination of Coverage 69 Naming Your Beneficiary 69 Earnings 70 Third Party Compensation Benefits 71 Your Benefits at a Glance 72 Compulsory Government Programs 72 Ryder Benefits 73 Insurers and Policy Numbers 75 Defining Special Terms 76 Your Benefits and Tax Considerations 77 You were Asking 78 Health and Dental Care 80 Introduction 81 Extended Health Benefit 82 Dental Benefit 83 Optional Dental Benefit 84 Health & Dental Care Provincial Health Insurance 85 Extended Health Care Plan 86 Extended Health – Pay Direct Drug Benefit 90 Extended Health – Vision Benefit 92 Extended Health – Supplementary Hospital Benefit 94 Extended Health – Supplementary Health Care Benefit 95 Extended Health – Out-of-Province Emergency and Travel Assistance Benefit 98
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Travel Assistance Services Dental Plan Dental Provision – Basic Benefit Dental Provision – Basic Restorative Benefit Dental Provision – Major Restorative Benefit Dental Provision – Orthodontic Benefit How to Submit a Claim Access to Your Benefits is Easy on the Internet Survivor Protection Introduction Summary of Insurance Basic and Optional Member Life Insurance Provision Optional Dependant Life Insurance Provision Basic & Optional Member Accidental Death and Dismemberment Optional Dependant Accidental Death & Dismemberment Disability Benefits Introduction Ryder’s Disability Management Program Short Term Disability Claims Process Return to Work Policy (Non-Occupational Absence) Summary: Ryder Disability Benefits Ryder Disability Benefits Short Term Disability Benefits Long Term Disability Benefits Government Benefits Retirement & Savings Plan Benefits Introduction Summary: Retirement & Savings Plans General Information – Ryder Plans Ryder Retirement Plan Terms Used to Determine Your Benefit Retirement Benefits Retirement Account Benefits on Early Retirement Benefits on Postponed Retirement Payment of Benefits Payment of Your Retirement Account Benefit Disability Benefit Maternity and Parental Leave Leaving the Company Death Before Retirement Group Registered Retirement Savings Plan (Group RRSP) Ryder Deferred Profit Sharing Plan (DPSP) Leaving the Company – DPSP Government Plans
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101 105 108 110 112 114 116 118 119 120 120 121 123 125 128 131 132 133 135 137 138 140 142 148 152 153 154 155 157 159 163 164 165 167 167 168 169 169 169 170 171 173 178 181 182
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Health & Security Policy Accidents and Emergencies Use of Seat Belts Policies to Know Preventing Workplace Violence Ryder Drug and Alcohol Policy Computer. Page 5 . E-Mail. Internet and Voice Mail Policy Electronic Recording Policy Anti-Nepotism Policy Employee Expenses Leaving Ryder Terminations Final Actions Acknowledgement of Receipt of the Ryder Employee Handbook Sign Off 183 184 186 187 188 189 190 191 192 195 199 205 207 208 209 210 214 215 Version: December 2006 Ryder Truck Rental Canada Ltd.Old Age Security (OAS) Employee Assistance Program (EAP) Employee Stock Purchase Plan (RyderShares) Safety At Work Safety.

If you are covered by a valid and current written customer contract or a collective bargaining agreement and specific provisions of the customer contract or collective bargaining agreement Version: December 2006 Ryder Truck Rental Canada Ltd. so that you do not have to find the information you need elsewhere. policies and benefits described here may be changed or discontinued from time to time with or without notice. please keep in mind that due to the number of topics we wanted to cover. location work rules and guidelines on the same topics published prior to the date of the publication of this handbook. Exclusions This handbook contains Ryder’s policies. manager. The Company will try to inform you of any changes as they occur. is invalid and should not be relied upon by any prospective or current employee. you should refer to your manager or the Human Resources department for further guidance. No portion of this handbook should be disclosed. Please Note Any written or oral statement by a supervisor. Please see your manager for any location specific policies. Previous Documents/Changes The information in this handbook supersedes all policies. except to Ryder employees or persons affiliated with Ryder whose knowledge of the information is required in the normal course of business. For more details in regards to confidential or proprietary information. procedures. Confidentiality This handbook and the information it contains are confidential. officer or other agent of the Company. practices. However. This handbook is not intended to address all possible situations and if you have a specific question in regards to the application of a policy or procedure. location handbooks. The procedures. We have tried to put as much information in this handbook as possible.About this Handbook The purpose of this handbook is to provide you with a guide to your employment relationship with Ryder Canada. we had to be brief and have only included general information and guidelines. which contradicts the policies in this handbook. please refer to the Principles of Business Conduct & Ethics on pages 22-25. Page 6 .

Page 7 . to your manager or Human Resources manager. If you want more information on any of the policies in this handbook. You may also address questions concerning your eligibility for a particular benefit. Note: The terms of written insurance policies and plan documents govern all related issues. the provisions of the customer contract or collective bargaining agreement supersede those in this handbook provided they do not violate the law. please talk to your manager or Human Resources. It is your responsibility to read the full Principles of Business Conduct & Ethics policy and the full Drug & Alcohol policy.contradict the policies found in this handbook. or how a policy applies to you. Further Information All of the information provided in the handbook is in general terms. Version: December 2006 Ryder Truck Rental Canada Ltd.

Page 8 .All About Ryder Version: December 2006 Ryder Truck Rental Canada Ltd.

Page 9 .Ryder System Inc. delivering year-over-year improvement across a range of financial goals. Increase Client Satisfaction Ryder will provide leading edge logistics and transportation management solutions. and controlling costs. Emphasize Safety Ryder will continue to promote safe practices as a critical value throughout the organization. investing strategically. Improve Asset Management Ryder and its employees will manage all assets to maximize their utilization and total financial return to the company. Version: December 2006 Ryder Truck Rental Canada Ltd.’s Goals Improve Financial Performance Ryder will increase shareholder value by. as measured by improved client satisfaction and retention. Become an Employer of Choice Ryder will enhance employee satisfaction and performance through teamwork and career enrichment and by valuing individual contributions and diversity.

sales can be increased and a competitive position improved. Ryder understands that the supply chain is a lifeline of a company. one constant has been the Company’s focus on servings its customers in a timely. distribution and downstream to end-use customers. From raw material suppliers. global marketplace. Ryder takes pride in delivering a comprehensive range of flexible. Page 10 . a cost-effective supply chain is vital to success.Ryder System Inc. customized solutions that uniquely position its customers to leverage the power and connectivity of today’s high-speed. Ryder is committed to achieving customer success and worldwide leadership in each of its business solutions. Today.000 employees.78 billion in annualized revenues. Throughout its evolution. operations on four continents. By making a supply chain more efficient and responsive. customer service can be improved. Version: December 2006 Ryder Truck Rental Canada Ltd. Company Overview Jim Ryder started the Company with only a $35 Model A Ford truck hauling bricks in the 1930’s. Ryder is a global leader in supply chain and transportation management solutions with $4. employing nearly 30. through inventory. cost-effective and reliable manner. production.

A second truck. 15 trucks in service. Became a publicly traded company with the issue of 160. 1933 Company founded by James A.Our History With only a $35 Model A Ford truck. Ryder Truck Rental Canada Ltd. a relationship that continues today. In 1938. a black. Florida. Throughout Ryder’s 70-year history there have been many important events that have shaped the success of the organization. Expanded operations to five branches and 450 trucks. Revenue topped $100. Ryder in Miami. Florida. incorporated. Ryder System. First Ryder truck. Champagne Velvet Beer business became the first Ryder lease account. Headquarters moved to Jacksonville. offering truck leasing and rental in Canada.000 for the year. Began international operations. Started dedicated contract carriage for The Miami Herald. launching Ryder’s full-service leasing business. a 1934 Ford V-8. Ryder has evolved into one of the world’s leading suppliers of supply chain and transportation management solutions with nearly $5 billion in annual revenue. 1931 Model “A” Ford. a Miami beverage distributor agreed to lease five trucks. Became nationally recognized with the acquisition of Great Southern Trucking. Presented below is a chronicle of some of those historical occurrences. Page 11 1934 1937 1938 1939 1942 1945 1949 1952 1955 1957 Version: December 2006 . Inc. Headquarters returned to Miami. From those beginnings. Ryder began its business hauling concrete back in 1933. Revenue from truck leasing and rental activities topped $1 million. Fleet expanded to 50 trucks. doubled the size of the fleet.000 shares of common stock overthe-counter at $10 per share.

Spun off aviation subsidiaries. Entered insurance industry with acquisition of Southern Underwriters. Ryder Truck Rental Canada Ltd. Anthony Burns elected Chairman of the Board in addition to duties as President and Chief Executive Officer. Barnes retired as Chairman of the Board. Launched One Way “Yellow” Consumer Truck Rental offering. Entered United Kingdom market. Entered the Netherlands market. Anthony Burns elected President and Chief Operating Officer. offering truck leasing. Anthony Burns became Chief Executive Officer. Page 12 1970 1971 1973 1977 1978 1979 1982 1983 1984 1985 1986 1988 1992 1993 Version: December 2006 . M. Began operations in Poland. Entered public transportation management with the acquisition of ATE Management and Service Company. James A. M. founder and chairman. elected Chairman of the Board. Acquired a chain of six Truck stops of America. Leslie O. Entered the auto transport business by acquiring M&G Convoy. a managing general insurance agency. Ryder. Barnes names President and Chief Executive Officer. Formally established International division. Entered German market offering truck leasing. Entered aviation business with acquisition of Aviation Sales Company. Introduced Ryder Programmed Maintenance Service. Sold Ryder Truck Lines. Corporate revenue surpassed the $1 billion mark. Moved to current Miami Headquarters building. M. Leslie O. offering truck leasing and rental. retired. Sold Truck stops of America.1960 1965 1967 1968 Stock listed on the New York Stock Exchange. Entered school bus business with acquisition of Rustman Bus Co. Expanded automotive transportation operations to Canada.

Anthony Burns retires as CEO. Named one the 50 best workplaces for Hispanic women by Latina Style for the fifth consecutive year. (Corky) Nelson as new Senior Executive Vice President – Finance and CFO. Began operations in Argentina and Brazil.com. retaining roles as President and Chief Executive Officer. Settles trademark infringement lawsuit with Budget Group. Ryder Truck Rental Canada Ltd. Hired C. Launched e-channel Solutions. ordering and delivering of fuel. M. an internetbased end-to-end fulfillment solutions. a web site providing resources for planning. Page 13 1995 1996 1997 1998 1999 2000 2001 2002 Version: December 2006 . Created Company-wide Asset Management Group. for the third consecutive year. Formally established an ecommerce group. Began Logistics Management with acquisition of LogiCorp. Hired Gregory T. Named top Third-Party Logistics Provider. Names top Third-Party Logistics provider. for the fifth consecutive year. Gregory T. Again named one of the 50 best workplaces for Hispanic women by Latina Style. Sold One Way Consumer “yellow” Truck Rental division. by Inbound Logistics magazine. Ltd. retains role as Chairman of the Board.1994 Began operations in Mexico. Swienton named to Chairman of the Board. M. Swienton as President and COO. Launched Asia-Pacific headquarters acquisition of Singapore-based Ascent Logistics Pte. Gregory T. Names one of America’s best companies for African-Americans. Inc. lubricants and wide range of parts and equipment. Names most admired highway transportation company by Fortune magazine. Named one of the 100 best workplaces for Hispanics by Hispanic magazine for the eighth consecutive year. Named best large Florida company for women to work for by the Florida Commission on the Statute of Women. Names one of the 50 best workplaces for Hispanic women by Latina Style. Swienton named President and CEO. Asians and Hispanics by Fortune. Opened the nation’s first Charter School in the workplace. Sold Ryder Public Transportation Services.J. Sold Automotive Carrier division. Launched RyderFleetProducts. Again named most admired highway transportation company by Fortune. Anthony Burns retires as Chairman of the Board. Launched used vehicle sales web site. by Inbound Logistics magazine.

Version: December 2006 Ryder Truck Rental Canada Ltd. Page 14 .2003 Named one of the 100 best workplaces for Hispanics by Hispanic magazine for the tenth year.

you have the opportunity to purchase Ryder shares at a discount through the RyderShares program. For more information. Version: December 2006 Ryder Truck Rental Canada Ltd. “R”.The Power of R Did you know? • • That Ryder is the only company on the New York Stock Exchange with a ticker symbol that is a single letter. please refer to the information booklet that you received when you joined us about RyderShares. Page 15 . As a Ryder employee.

mode and route optimization. Product supply Inbound transportation of raw materials and/or components. aggregating orders into loads. tracking and confirming delivery with full documentation and freight visibility. from suppliers to customers. Distribution Management Solutions Network consulting Optimizes the customer’s transportation. identifying specific ways to add value to their business. Transportation Management Solutions Network consulting Improves supply chain performance by evaluating process design. Shipment planning and execution Optimizes the transportation of freight by consolidating shipments. Product distribution Outbound transportation and distribution of finished goods. asset utilization.Ryder’s Service Offerings Supply Chain Management Solutions Integrated Logistics Operations Optimizes the functional components of a customer’s business. inventory/transportation trade-offs. Carrier Procurement Determines the best modes and carriers for each shipment to reduce shipping costs. cycle time and technology. selecting route and carrier. dispatching. Lead Logistics Management Provides global distribution network capabilities with comprehensive supply chain solutions involving the coordination of all logistics providers in the network. customized reports and freight bill and audit payment Version: December 2006 Ryder Truck Rental Canada Ltd. Product support services Additional services which Ryder can handle. distribution and inventory processes at a single site or enterprise wide. Page 16 . Logistics Network Consulting Analyzes a customer’s entire supply chain. creating an integrated smooth operating supply chain.

purchasing. financing. including vehicle configuration. maintenance management and disposal Commercial truck rental An immediate solution to temporary vehicle needs such as handling periods of peak demands Version: December 2006 Ryder Truck Rental Canada Ltd. from selected services at a Ryder shop or a complete turnkey maintenance operation on the customer’s site On-site maintenance Ensures that vehicle and transportation problems do not interfere with the customer’s business Full service lease A comprehensive package of services. Page 17 .Dedicated Transportation Management Solutions Dedicated contract carriage A turnkey transportation service from drivers and equipment to complete administration and management Capacity management A technology driven system for matching existing freight with available capacity in our network of customers Fleet Management Services Solutions Fleet support Value-added products to supplement leasing or maintenance solutions Contract Maintenance Tailored to meet the needs of the customer’s fleet.

S. In 2003. We also offer fleet support services such as insurance. Given the proximity of this market to our U. we had over 1. Page 18 . the Canadian operations are highly coordinated with their U.And Specifically About Canada… Ryder has been operating in Canada for over 40 years. counterparts. we have approximately 50 SCS customer accounts in Canada.200 full service lease customer accounts in Canada. managing crossborder transportation and freight movements. 2003. commercial rental and programmed maintenance. operations. The FMS operations in Canada include full service leasing.000 commercial trucks. As of December 31.S. fuel services and compliance services. tractors and trailers leased or rented through approximately 20 locations throughout 8 Canadian provinces. we had a fleet of approximately 10. 2003. Version: December 2006 Ryder Truck Rental Canada Ltd. The Canadian operations also include a full range of SCS and DCC services including lead logistics management services and distribution and transportation solutions. As of December 31.

Ryder Canada
Canada Head Office
2233 Argentia Road, Suite 300 Mississauga, Ontario L5N 2X7 Phone: 905-826-8777 1-800-565-8495 Fax: 905-826-0079

Ryder Canada Head Office Human Resources Listing
General HR inquiries HR Confidential Fax Recruitment Recruitment Hotline Recruitment E-Mail All Positions All Management Positions Recruitment Fax Line FMS & Team 31 Employee Relations 800-565-8495, x. 283 905-826-8567 or 905-826-1673 800-565-8495, x. 232 1-877-JOINRYDER Join_ryder@ryder.com Canada_careers@ryder.com 1-888-838-4136 800-565-8495, x. 305

Ryder Canada HR Contact Listing
Employee relation matters for accounts as follows: Ryder/General Motors/Johnson Controls/ Automodular Ryder/SCS – London Hub Ryder/Imperial Tobacco Ltd Ontario, Calgary & Vancouver Ryder/Imperial Tobacco Ltd Quebec, Maritimes & Winnipeg

800-647-2210, x. 310 800-339-2834, x. 257

905-759-2005

514-782-4287

Ryder Canada Head Office Payroll & Benefits Listing
General Payroll inquiries SCS hourly payroll FMS hourly payroll Salary payroll Pension & Benefits Payroll Confidential Fax
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800-565-8495, x. 234 800-565-8495, x. 267 800-565-8495, x. 243 800-565-8495, x. 222 905-826-8718

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Principles of Employment at Ryder

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Overview of the Principles of Business Conduct
This overview will help you become familiar with the Principles of Business Conduct. The overview is provided for your convenience, but you are expected to read and abide by the policies outlined the full text of the Principles as a condition of your employment. If you have any questions, contact your supervisor, human resources, or Global Corporate Compliance at 1-800-62RYDER or ethics@ryder.com. The Principles apply in every country in which we do business and to every employee, officer, director, and member of the Board of Directors. Every employee has the right and the obligation to promote ethical conduct, and to report known or suspected violations of the Principles, Ryder policy, or the law.

Reporting Mechanism and Policy Against Retaliation
If you reasonably believe that a violation has occurred, you must report that immediately to your supervisor, human resources, any manager, the Global Corporate Compliance Group at 1-800-62-RYDER or ethics@ryder.com, or the Director of Audit Services, and you may do so confidentially. You may make a confidential and anonymous report through the Ryder HOTLINE at 800-8152830, 24 hours a day, seven days a week, or by completing a report through ryder.com. There are no tracking or tracing mechanisms such as caller ID or other email identifiers. The reporting mechanisms are available to customers, suppliers, vendors, or anyone who has information about a suspected violation. Ryder forbids retaliation against any employee who files a good faith report. If you believe that you have experienced retaliation, contact any manager, human resources or the Global Corporate Compliance Group at 1-800-62-RYDER or ethics@ryder.com immediately.

Equal Employment Opportunity Policy
Employment, recruitment, hiring and placement, compensation, benefits, promotion, training and termination at Ryder are based upon personal capabilities and qualifications regardless of: race, colour, national origin, gender, sexual orientation, religion, disability status, veteran status, any other status protected by law. If you believe that someone has violated this policy, contact any supervisor (even outside your chain of command, if that makes you more comfortable), human resources, or the Global Corporate Compliance Group at 1800-62-RYDER. Any employee willfully violating this policy may be subject to appropriate disciplinary action, up to and including termination.

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Open Door Process
You may raise any work related concerns with any member of management without fear of retaliation. It is important that human resources and all appropriate levels of management have an opportunity to review your question, suggestion, or complaint. However, if you do not feel comfortable speaking with your supervisor, you may skip that person and go directly to the next level.

Conflicts of Interest
A conflict of interest may occur when an individual’s personal interests interfere or appear to interfere with Ryder’s interests. Perceived conflicts of interest can be as damaging as actual conflicts. We must avoid the appearance of impropriety at all times. Gifts: You may accept or provide nominal gifts worth less than $100.00 or entertainment if it does not influence, or have the appearance of influencing objective decision making; occurs infrequently; arises out of the ordinary course of business; involves reasonable, not lavish, expenditures; does not violate the other party’s company’s policies; and takes place in settings that are reasonably appropriate and fitting to you, your hosts or guests, and the business at hand. Financial Interests/Investment in Other Companies: You must ensure that your financial interests do not create conflicts, as it relates to ownership of securities, participation in financial offerings or accepting loans. Providing Services to Other Companies, Including Your Own: You should not serve as an advisor, consultant, or employee of a customer, supplier, vendor, or competitor of the Company (unless the Company is being paid for these services), without written approval. You may provide services to other companies such as a not-for-profit organization or your own business, without pre-approval if there is no actual or apparent conflict of interest or violation of the Company’s confidentiality policies, and you continue to meet the performance standards of your job. Reporting to Family Members and Others With Whom You Have a Close Personal Relationship/Nepotism: Working relationships between family members and close, personal friends will be evaluated as to the potential to cause an actual or apparent conflict of interest or the perception of impropriety. You must disclose these relationships to management and human resources for guidance and possible work reassignment. Further, you must ensure that your personal relationships do not interfere with your business responsibilities as it relates to inappropriate reporting relationships or providing business opportunities to them.

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environmental protection. customers. concealment. and suppliers is a valuable asset in our highly competitive industry. suppliers. Employees have a responsibility to stay informed about environmental policies and programs and to take immediate corrective action to address any adverse situation or condition. Page 23 . The Company complies with the applicable privacy and data protection laws in the countries in which we operate. you must immediately return all Ryder-related information. misrepresentation of material facts. Employees who reveal confidential information are subject to immediate and appropriate discipline. or could appear to do so. suppliers or competitors that unfairly prevent or limit competition. Confidential or Proprietary Information of Ryder. copy. abuse of privileged information. Information about competitors. and pollution prevention in its business of providing transportation and logistics solutions around the world. up to and including termination. Never engage in independent actions with respect to Version: December 2006 Ryder Truck Rental Canada Ltd. When you leave the Company. equipment and property in your possession. However. sell or distribute Ryder’s confidential or proprietary information to any third party. and when appropriate. Antitrust and Fair Dealing Policy You must deal fairly with Ryder’s customers. and complies with all domestic and international anti-bribery laws such as the Foreign Corrupt Practices Act.Bribery and Corruption Ryder develops and maintains good relationships and effective communications with all levels of government in all areas in which we conduct business. Its Competitors and Its Employees Both during and after your employment with the Company you may not disclose. Environmental Policy Ryder supports the important goals of sustainable development. or any other Ryder employee (unless it is on a “need to know” basis). competitors and employees. or any other unfair-dealing practices. Never engage in activities with customers. Ryder’s environmental leadership team works with all levels of staff and operating employees to develop and administer programs in support of the Company’s environmental policy. legal action. No one should take unfair advantage of anyone through manipulation. you should not engage in unauthorized copying or reveal or encourage others to reveal or use any trade secrets of a former employee or other competitor in connection with your Ryder employment.

Version: December 2006 Ryder Truck Rental Canada Ltd. the Director of Audit Services.customers. You may report a violation of the Principles without fear of retaliation through human resources. the Ryder HOTLINE at 800-815-2830.com. suppliers or competitors that unfairly restrain trade and/or attempt to improperly gain market share. any manager. or by completing a report through ryder. Page 24 . Consult the Principles of Business Conduct for more detailed guidance on all of the policies listed above.com. the Global Corporate Compliance Group at 1-800-62-RYDER or ethics@ryder.

About Your Employment Version: December 2006 Ryder Truck Rental Canada Ltd. Page 25 .

The employee is eligible for all company benefits (group and statutory).Employee Categories Employee An individual who is paid by or receives benefits through Ryder’s payroll system. Based on the conditions of employment. active employment. The individual is responsible for his/her own statutory tax remittance to the government and benefit coverage. They are eligible for benefits on the first day of the next month following 30 days of continuous. Page 26 . their employer. Version: December 2006 Ryder Truck Rental Canada Ltd. The company pays for services invoiced by the individual. Temporary Employee An employee who has a finite duration of time that they will be working for Ryder. Regular full-time employees may be paid a salary or on an hourly basis. They are hired to fill a temporary need. employees of Ryder fall into one of the categories defined below. The employee is not eligible for group benefits but will receive statutory holiday pay. They are eligible for benefits. 37. Agency Employee A temporary worker that is placed by an agency. Students/Co-ops are not eligible for group benefits but are eligible for statutory holidays. where Ryder withholds taxes and contributions and/or provides taxable benefits. Regular Part Time Employee An employee who is regularly scheduled to work at least 30 hours per week. The contract is finite and the hours are variable. at a Ryder location. Independent Contractor A contract person has a position assignment and is paid directly or indirectly through Ryder’s Accounts Payable department.5 to 60 hours). Student/Co-op Employee is currently enrolled in a learning institution and is supplementing his/her studies through a paid work term with the company. The employment contract has no fixed end date. Regular Full Time An employee is regularly scheduled to work what is considered a normal full time work week (across 7 days per week.

where a potential layoff situation exists. and the employee’s qualifications. The Job Posting will give a general overview of the position. please inform your manager or supervisor of your application. or where candidates have been identified through the Senior Management Succession Planning process. You can discuss your educational goals and desired career paths with them to further your professional aspirations. In all cases. Opportunities exist in your current position to challenge your capabilities and accelerate your development. However. Transfers and Promotions Your Manager or Human Resources is available to work with you throughout your career with Ryder. which are currently overstaffed and have qualified employees available for transfer to the position. attendance and punctuality. While Ryder doesn’t prohibit the employment of relatives. Version: December 2006 Ryder Truck Rental Canada Ltd. The usual duration of a posting is one week. To apply for a change in position you must normally have a record of good performance. Ryder encourages all employees to improve their work by planning to learn from everyday work assignments. Many Ryder employees have been approached by family and friends interested in working here. the exceptions to this are departments. but you may also pursue internal and external learning opportunities through courses. The job postings are available through Lotus Notes and are posted on bulletin boards in each location.Recruitment. Creating a development plan will help you identify opportunities and develop the insights. responsibilities and qualifications. mentoring and by soliciting feedback from management and co-workers. Each candidate is judged on an individual basis. seminars and conferences in order to meet new challenges. and applications should be made during this time. depending on the needs of both departments involved. projects. Our Employee Referral Program provides an incentive and reward to employees for helping to attract the best candidates to the career opportunities at Ryder. You are encouraged to have a minimum of one full year in your current job. You learn a great deal from day-to day challenges. and have permission from your manager to apply. confidence and competence you need to take an active role in your success. external recruitment can be conducted concurrently when the hiring Manager and Human Resources determines that there are no likely qualified internal candidates available for the position. Our goal is to post all open positions. Page 27 . the company does stipulate that employee’s not report to a family member. Where appropriate. Ryder promotes internal advancement by posting new opportunities for you to progress to more challenging positions.

Employees are accountable for their own career planning however a number of resources internally are available to assist you. If you are interested in a particular position or career path at Ryder. Version: December 2006 Ryder Truck Rental Canada Ltd. Page 28 . talk to you manager or Human Resources to find out what skills are needed in that role.There is a Career Planning process at Ryder through the use of the Individual Development Plan.

social insurance number. legal or security reasons. as well as. confidential personal information in its possession. home address. date of birth. Should the information not be accurate. to verify its accuracy and completeness. Personal information can be defined as. As such. or • banking information. an employee can view their personal information. Ryder Canada will respond to the request within thirty (30) days. name. If however. the employee can request. credit card record. with manager supervision. but is not limited to. Ryder Canada is committed to having an open door policy. the employee will be advised accordingly. upon written request. you must notify your Manager and Human Resources of any changes in your: • name and/or marital status • address and/or telephone number • number of eligible dependents • emergency contact and/or your emergency contact’s telephone number. Page 29 . in writing. secure and maintain accurate. ethnic origin. Version: December 2006 Ryder Truck Rental Canada Ltd. Ryder Canada respects the privacy of all employees and is committed to collect. personal phone number. disclose. Ryder complies with the Federal Personal Information Protection and Electronic Documents Acts (PIPEDA). etc. income. gender.Personnel Records To keep Company records up to date. in the possession of its third party providers. if appropriate. that the information be amended. your request is denied due to cost. use. medical records. bank information. age.

To ensure our commitment. More details are provided. be reminded that it is the responsibility of each and every one to protect their own personal information. However. Although not all employees are legally protected under the Act. effective January 1. social insurance number. Purpose To establish the guideline and procedure in regards to protecting all employee personal information gained by Ryder Canada as a result of their employment relationship. from its United States Head Quarters. medical records. etc. current and new employees of Ryder Canada. use. credit card record. confidential personal information in its possession. Personal information can be defined as. secure and maintain accurate. Identify the purpose Ryder Canada will ensure that the purpose for collecting the information is clearly communicated to employees prior to. in the possession of its third party providers. disclose. This communication can be verbal or written. Ryder Canada is responsible for ensuring compliance with this policy and related legislation. Policy Ryder Canada respects the privacy of all employees and is committed to collect. but is not limited to. Accountability As a Corporation. or at the time the information is collected. its corresponding provincial privacy legislation. as well as a Canadian Executive Team Leader. as well as. gender. age. Version: December 2006 Ryder Truck Rental Canada Ltd. home address. Definition of Personal Information Personal information is just that – personal. Scope This policy applies to all subsequent. Ryder Canada appointed a Chief Privacy Officer. date of birth. personal phone number. ethnic origin. bank information. 2004. See Appendix “B”. income. as well as.Employee Personal Information Protection Policy This policy was created to comply with the spirit and intent of the Federal Personal Information Protection and Electronic Documents Act (PIPEDA). A list of third party providers is enclosed. Page 30 . See Appendix “A”. name. Ryder Canada made the decision to implement an Employee Personal Information Protection Policy for all employees across the country.

Should you need any changes to be made. Disclosure and Retention Ryder Canada is committed to only obtain.Employee Consent Under the Act. If the information is publicly available as specified in the regulations. and an expressed consent is deemed required. Exception Clause Ryder Canada reserves the right to use personal information without the employee’s knowledge or consent only: • • • • If it is in the employee’s best interest and the consent is not available in a timely manner. Rest assured that although your personal information is shared with third party providers. Accuracy Ryder Canada will maintain accurate and complete personal information. Expressed consent: Consent is given either orally or in writing (signing a consent form). you are required to inform the appropriate department. Ryder Canada is required to disclose your personal information to third party providers that perform services on behalf of the company. it will remain protected under this policy. employee consent can be defined as follows: Implied consent: Consent is reasonably inferred from the action/inaction taking place. health. If knowledge or consent would compromise the availability or accuracy of the information and collection that is required to investigate a breach of an agreement or contravention of a federal or provincial law. Limiting Use. See Appendix “A”. If Ryder Canada requires the personal information for other purposes. Safeguarding Personal Information Ryder Canada has developed appropriate safeguards to ensure the personal information of all employees is secure. use. Page 31 . Version: December 2006 Ryder Truck Rental Canada Ltd. retain or disclose personal information for the purpose it was requested. A list of the current third party providers is enclosed. Example: Providing your social insurance number to the payroll department to set up your personnel file on the payroll system in order to receive your pay as well as obtaining your T4s for income tax purposes. or security. If there is an emergency threatening life. all employees concerned will be contacted.

to verify its accuracy and completeness. the employee will be advised accordingly. that the information be amended. safeguard procedures and agreements with third party providers as deemed necessary without prior notice or written consent. Ryder Canada is committed to maintaining the privacy of employees’ personal information in the course of administering their responsibilities. Page 32 . Note: Ryder Canada reserves the right to amend any policies. the complaint procedure is based on the chain of command process outlined below: 1st step: 2nd step: 3rd step: The employee should speak to their immediate supervisor/manager. If the employee’s concern remains unsatisfied. Any changes to this policy will not change our commitment to you. with manager supervision. the employee should speak to their supervisor/manager once removed (supervisor/manager’s manager). If you have any questions concerning this policy. your request is denied due to cost. Ryder Canada will respond to the request within thirty (30) days. Complaint Procedure At Ryder Canada. If the employee does not feel they can receive fair treatment through the chain of command process outlined above. Note: All written requests must be submitted to your Manager. If the employee’s concern remains unsatisfied after second the step. Should the information not be accurate. In Conclusion As an employer. please do not hesitate to contact the your designated Human Resources Manager. Version: December 2006 Ryder Truck Rental Canada Ltd. the employee should speak to their designated Human Resources Manager. the employee can approach any member of the management team or human resources department at any time. an employee can view their personal information. upon written request. in writing. the employee can request.Openness – Access to Personal Information Ryder Canada is committed to having an open door policy. legal or security reasons. As such. If however. if appropriate.

Page 33 . change or delete third party providers from this list as deemed necessary without prior notice or written consent.C. Tanner Drivercheck Carlson Travel Bell Canada WSIB/CSST Partners & Profile Law Firms Iron Mountain Dunn & Bradstreet GM Safety Databank Tax jurisdictions (CCRA) Purpose/Service Benefits RRSP – defined contribution pension plan Defined benefit pension plan Company credit card Payroll Corporate banking Access to the building Disability for salaried employees Ryder Shares Payroll Fund raising Service award Pre-employment medical Business Travel Bell Canada calling card Workplace accident Reference checks Legal matters Storage/archive Credit checks Car discount certificate Driver information Tax information Note: Ryder Canada reserves the right to add.APPENDIX “A” Third party providers that perform services on behalf of the company Third Party Provider Name Sunlife Manulife Towers Perrin American express ADP Royal Bank ADT Security Medisys Smith & Barney SAP United Way O. Version: December 2006 Ryder Truck Rental Canada Ltd.

promotion. To monitor attendance. To determine physical and/or mental fitness for work. Workers’ Compensation. Employees can reasonably expect that Ryder Canada may require personal information for the following purposes: • • • • • • • • To pay employees through direct deposit.APPENDIX “B” Example of types of personal information Name Age/date of birth Social insurance number (SIN) Home address and home phone number Gender Ethnic origin Banking information Medical records and credit card records Benefit claims Marital Status and family status Vacation and leave of absence Previous work history and references Emergency contact information Educational background Language and other job-related skills Performance evaluations Attendance Discipline Workplace accidents Promotion/demotion Years of service Salary and bonus Use of Personal Information During your employment. Version: December 2006 Ryder Truck Rental Canada Ltd. To administer all benefit programs. agencies and government bodies administering those statutes. training and development purposes. and other incentivebased compensation. To determine eligibility for salary increases. To determine suitability for employment. To comply with legal requirements such as Income Tax Act. Ryder Canada will require personal information from employees to carry out its responsibilities as an employer and in order for employees to derive full benefit from their employment. To review and evaluate performance. Page 34 . Employment Standards. bonuses.

Page 35 . while maintaining a professional. We support employees’ desire to dress comfortably. Important: If your position requires a replacement. it is important that you attend work as scheduled. You are expected to: • • Be at work on all scheduled work days and during all scheduled work hours. and Report to work on time.Attendance. dependability and a commitment to do the job right are essential functions of every position at Ryder. Dress Code Our goal at Ryder is to deliver quality performance in a professional manner. Employees who fail to make this notification may be considered as having voluntarily resigned. In general. contact another manager at your location or the individual your manager has designated as the contact person when he/she is away. Version: December 2006 Ryder Truck Rental Canada Ltd. Many of our locations require that employees wear a uniform. shorts are not permitted in Ryder locations. punctuality. Punctuality and Dependability Attendance. business-like appearance acceptable to our customers and employees. you must notify your manager at least four hours before your scheduled start time. If you are going to be late or absent from work. Unless your operation has other requirements. you must notify your manager directly each day of your absence or if you are going to be late. If your manager is not available. speak to your manager in regards to the specific requirements for your location. this notification must be made no later than one hour before your scheduled arrival time. Because the Company depends heavily upon its employees.

All communications. in which Ryder Canada will be mentioned. or cover particular body parts if they are deemed to be inappropriate or a safety hazard and are not needed as a reasonable accommodation. submissions to industry publications. So that employees can have an opportunity to ask their manager any questions about different communications. and cooperation among employees. As an employee of Ryder. at its sole discretion. may ask you to leave the work area to remove articles of clothing or piercings. we are committed to communicating with you openly and regularly. Conduct Ryder requires order and discipline to succeed and to promote efficiency. interviews. many communications are sent to managers first and then cascaded to employees through meetings. Version: December 2006 Ryder Truck Rental Canada Ltd. public speaking engagements. you are expected to maintain proper standards of professional conduct at all times. Page 36 . must be approved by senior management before hand.Appearance As an employee of Ryder. The Company. you are expected to avoid extremes in dress. Communications In order to ensure that you have the information you need to do your job well and to take advantage of the many benefits available to you as a Ryder employee. productivity.

and Only use such equipment and property for Company purposes. Loss. up to and including termination as well as possible legal action. uniforms. equipment. Version: December 2006 Ryder Truck Rental Canada Ltd. These items are to be used solely for Company purposes. vehicles and materials necessary for you to perform your job.Use of Company Property Ryder’s Expectations Ryder provides the supplies. damages or theft of Company property must be reported immediately. Page 37 . Negligence in use of property Negligence in the care and use of Company property may be considered grounds for disciplinary action. The Company expects you to: • • Exercise care in the use of its equipment and property.

Version: December 2006 Ryder Truck Rental Canada Ltd. Please check with your manager in regards to where communications are posted at your location. Distributions and Use of Bulletin Boards Solicitations and Distributions Employees may not solicit other employees of the Company during working time. Page 38 . nor may they distribute literature in work areas unless the solicitation and/or distribution: • • is co-sponsored by the Company. You may not remove material from Company bulletin boards. Employee Responsibility You are expected to: • • check bulletin boards periodically for new and/or updated information and follow the rules set forth in all posted notices. or has management approval. Bulletin Boards Bulletin boards maintained by Ryder are to be used for posting or distributing only these materials: • • notices containing matters directly concerning Company business announcements of a business nature which are equally applicable and of interest to employees Authorization All posted material must have authorization from senior management. Persons not employed by Ryder may not solicit Ryder employees on Company premises for any purposes.Solicitations.

Page 39 . job title. and a statement releasing Ryder from liability in connection with furnishing the specified information. dates of employment. department.Reference Checks No Ryder employee may issue a reference letter or provide a telephone reference statement on behalf of any current or former employee. Version: December 2006 Ryder Truck Rental Canada Ltd. Failure to follow this policy will result in disciplinary action. up to and including termination. in writing or by telephone. regarding current or former Ryder employees must be referred to Human Resources. it must contain: • • an authorization to furnish specific information. and validate salary information. Handling Inquiries All inquiries. No other data or information will be furnished unless the employee provides a written request to the Company or Ryder is required by law to furnish the information. Personnel Records will: • • furnish or verify only an employee’s name. If the employee provides a written request.

Employee Expenses In order to claim for reimbursement of expenses. have your manager approve the expense statement. and then forward it onto the Shared Services Center in Alpharetta. Page 40 . Please ensure you include the location code where the expense should be charged to on the statement. you must complete the Travel Expense Statement. If you have a Corporate American Express card. You must attach all of your original receipts to the statement. all expenses should be charged using this credit card. Georgia for processing. Version: December 2006 Ryder Truck Rental Canada Ltd.

Page 41 .About Your Pay Version: December 2006 Ryder Truck Rental Canada Ltd.

Employees may not: • • Alter. there may be times when. up to termination. Any violation of this policy will result in: • Immediate and appropriate discipline. even with their permission. Time Records Attendance documents are Company records and as such. You must calculate your overtime on a weekly basis. time taken for lunch and other breaks. Page 42 . Prior approval of a manager is required on a daily basis before any eligible employee works overtime. based upon the Company’s business needs. up to and including immediate termination and/or Version: December 2006 Ryder Truck Rental Canada Ltd. Employees working overtime without their manager’s approval are subject to disciplinary action. or falsify time records in any way. Overtime Pay Ryder does not encourage work beyond normal working hours. Where applicable. With direct deposit your salary payment is deposited directly into your savings or chequing account at the bank of your choice.Pay Timing for Hourly Employees Hourly employees are paid once a week for all hours on the time sheet for the particular week ending period. overtime wages are included in your pay covering your hours worked in the prior weekly period. Direct Deposit All Ryder Canada employees will receive their pay by direct deposit. care must be exercised in recording regular work hours. However. overtime hours and absences. you will be required to work overtime. or Clock or sign in or out for other employees. tamper with.

• Civil and/or criminal legal proceedings. Lunch and Break Times In most locations and for most positions. Start time Failure to begin work immediately once you clock or sign in is considered falsification of your timekeeping records. if appropriate. lunch time is 30 minutes and employees have two 15-minute breaks. their times of arrival. Version: December 2006 Ryder Truck Rental Canada Ltd. If you forget to clock or sign in. you must immediately notify your manager so that your time may be accurately recorded for payroll purposes. Employees must record. on their own time records. Page 43 . start and end of meal periods and departure. Employees’ Responsibilities Hourly employees are responsible for their own daily record keeping. Any exceptions must be indicated on your time record and approved by your manager on a daily basis.

About Your Performance Version: December 2006 Ryder Truck Rental Canada Ltd. Page 44 .

Improve and develop work skills. Evaluate performance against goals. This review may or may not result in an increase to your pay. Version: December 2006 Ryder Truck Rental Canada Ltd. Most newly hired hourly employees are eligible to receive performance reviews at the completion of six months’ service and at least annually thereafter.Performance Review Process What is it? The Performance Review process is where an employee and their manager meet on a semi-annual and annual basis to review the employee’s performance and provide them with some feedback in regards to their performance and any areas for improvement. Review Dates Every employee should normally receive an annual review. this is just the formal process to document an individual’s performance and summarize what has been previously discussed. Increases to pay are based on a variety of factors. Hold themselves accountable for the results. Purpose: The purpose of the Performance Review process is to: Set and communicate goals. including business conditions and satisfactory work performance as documented by a performance review. Page 45 . Pay Increases Pay rates are reviewed on an annual basis. These performance conversations will occur throughout the year.

Important: In some circumstances. the Company may. Progressive Discipline Progressive discipline is designed to encourage a change in behaviour by providing employees with guidance in areas that need improvement. in which the employee has been incident free.Progressive Discipline Ryder’s Expectations The Company expects all of its employees to meet its standards of work performance as set forth in this handbook and by the employee’s manager. • Final written warning. there have been no further incidents or the previous offences will remain relevant. There is no right to or guarantee of progressive discipline. to initiate the appropriate level of discipline after reviewing the frequency and severity of the incident. the previous performance issues or offences will be deemed to be no longer relevant. use progressive discipline including: • Verbal warning. in conjunction with Human Resources. Suspension. If you do not meet the Company’s standards and/or performance expectations. or Last Chance Agreement. It is very important to note that during the 12-month period following the last offences. Page 46 . Version: December 2006 Ryder Truck Rental Canada Ltd. the company may not use progressive discipline and choose to move to any step in the process. up to and including termination. and • Termination The intent of progressive discipline is to formally document problems while providing the employee with a reasonable time within which to improve performance. It is the discretion of the Manager. Previous Offences If after a period of 12 months. • Written warning. for a very serious offence. under appropriate circumstances.

Page 47 .About Your Development Version: December 2006 Ryder Truck Rental Canada Ltd.

Tuition Aid Policy Ryder Canada is committed to building an environment where learning is encouraged for career development and personal growth. The tuition aid program provides 75% reimbursement of eligible expenses. knowledge.Training & Development At Ryder Our goal is to help employees develop the skills. Only qualifying expenses will be reimbursed: • Course tuition fees • Required textbooks and course materials Financial assistance is provided for courses from a recognized college or university or another place of learning licensed through the Ministry of Education. This policy does not apply to employees covered by collective bargaining agreements. up to a limit of $3. A course is approved when the employee’s manager considers it work-related or a part of a work-related degree program. The education must be completed on the employee’s own time. and competencies needed to be successful in their jobs and to ensure that Ryder has the culture and talent necessary to meet our strategic goals. full-time or part-time employee at the beginning and end of the course for which tuition aid is requested. Manager and Senior Manager (manager once removed) approval must be obtained prior to enrolment. Tuition aid provides financial assistance to eligible employees who wish to enhance their career development and personal growth through external education taken outside of regular business hours. All active permanent employees working full-time and part-time (must be over 30 scheduled hours per week) for Ryder Canada are eligible for tuition aid. When a training need is identified. Page 48 . The employee must be classified as a permanent. Human Resources will work with the manager to determine the best solution and assist in implementing that solution. Version: December 2006 Ryder Truck Rental Canada Ltd. and valued as a key contributor to the success of the company.000 per calendar year.

Ryder Internal Training Courses As different overall training needs are identified that impact a number of employees. or employees can take these courses in the US. please contact your Human Resources representative. where there is a widespread need. Type Ride in the address line. Click on Ryder Training Group on the right hand side of the screen. 3. The Logon ID and password is your SAP number. please contact Lesley Kerr at 905-812-2384. On the Ryder Training home page.Online & Self-Study Courses Ryder has a number of online and self-study courses available to employees. Page 49 . There you will find all of the online and self-study courses available at Ryder. 6. Here is how: 1. The online or self-study courses can be accessed through the Ryder Training Group intranet. 5. internal training courses will be provided. These courses can be found on the Ryder Training Group intranet site. Version: December 2006 Ryder Truck Rental Canada Ltd. there are a number of internal courses that are already available through our US training group. Then go into My Courses. If you don’t know what this number is. Also. 2. choose LMS Student Interface on the left hand column of the screen. Launch Internet Explorer. If you have any questions. 7. All of these courses can be delivered in Canada. you must have the approval of your manager. These courses will either be developed in Ryder or by an external vendor to meet the specific training need of the applicable group. 4. In order to attend an internal training course. which is at the top of the screen.

Page 50 .Taking Time Away from Work Version: December 2006 Ryder Truck Rental Canada Ltd.

Page 51 . you will not be paid for it. Here is a chart to show the statutory holidays by provincial or federal legislation: New Year’s Day Good Friday Victoria Day Memorial Day Canada Day 1st Monday in August Labour Day Thanksgiving Day Remembrance Day Christmas Day Boxing Day Fed. he or she shall be given a holiday with pay on another agreed upon day. it is not provided that employees are paid for Remembrance Day if they are not required to work. Version: December 2006 Ryder Truck Rental Canada Ltd. Important: If you do not use your floating day. as approved by your manager. As an hourly employee. X X X X X X X X NB X X Nfld X X X X X X X X X X X X X X X X X X X X X X X X X X NS X X Ont X X X Que X X X X In Quebec. which is to be used on your birthday or the day closest to your birthday. In addition. to receive pay for a holiday you must work the last scheduled workday preceding the holiday and the first scheduled workday following the holiday. X X X X X X X X BC X X X X X X X X X Man. In Manitoba. Holidays on Weekends The Company observes paid holidays that fall on a weekend on another day. X X X X X X X X X Alta.Statutory Holidays All regular full time employees and regular part time employees are eligible for statutory holidays. there is an additional National holiday observed on June 24th. if you are a regular full time or regular part time employee. Exceptions Employees subject to collective bargaining agreements are otherwise subject to a specific customer’s holiday policy may not be covered by this policy. there is an additional holiday for Family Day on the third Monday in August. In Alberta. In Nova Scotia if an employee is required to work. you are also eligible for a floating holiday. Please check with your manager who receives a schedule each year.

Vacation Policy Policy To provide opportunities for rest. Ryder provides vacation time off with pay for regular full time or part time employees who work 30 hours or more per week. Vacation days are allocated in accordance with the following schedule: Completed Years of Service 1 to 4 years 5 to 9 years 10 to 19 years 20 years or more Vacation Entitlement 2 weeks 3 weeks 4 weeks 5 weeks Employees are entitled to take vacation time after the completion of each year of service. Eligibility Based upon continuous service with the Company. Page 52 . Eligibility is based on service with the Company. as well as their total outstanding accrual balance. relaxation and personal pursuits. This balance represents the amount outstanding from their current year entitlement. employees earn vacation on their anniversary date of hire.99 19 or more Vacation Accrual Process Hourly employees will see on each pay stub. Hourly employees must take two weeks of their vacation entitlement as vacation time. as well as the accrual for next years’ entitlement. if any. Employees will accrue vacation pay on a weekly basis according to the following schedule: Completed Years of Service 0 to 3. When an employee reaches their vacation anniversary date. meaning that two weeks of the hourly employee’s accrual as of their last vacation anniversary date will be used to pay the employee during the Vacation Pay Percentage 4% 6% 8% 10% Version: December 2006 Ryder Truck Rental Canada Ltd. This is also the amount an employee would be paid if they were to terminate employment with the company. their current weeks’ vacation accrual. the accrual balance for that week ending will be used for calculating the new year vacation payment entitlement.99 9 to 18.99 4 to 8.

Your manager must approve vacation requests. if a request is submitted less than 3 weeks prior to the requested vacation dates. Requests for Vacation Payments for Pay in Lieu of Vacation Time Employees are required to complete the applicable ‘Vacation Payment Request Form’. Version: December 2006 Ryder Truck Rental Canada Ltd. Your manager has the right to deny a vacation request. Payroll will calculate the vacation payment amount in accordance with the policy and process the payment on the week ending corresponding with the vacation time taken. or pay in lieu. Requests for Vacation Payments for Vacation Time Taken Managers are required to complete a ‘Vacation Payment Request Form’. Based upon the needs of the business. the Company will attempt to grant the requested dates. and submit this to their manager for approval.time they are off on vacation. Any additional vacation entitlement that the employee is eligible for may be taken as pay in lieu of vacation time. Payroll will calculate the vacation payment amount in accordance with the policy and process the payment accordingly. and fax this to the Payroll Department three weeks prior to the expected payment date. including signatures. including signature. Although they may have money in their vacation accrual at the time. Managers will not refuse reasonable requests. Page 53 . Manager’s Responsibility It is the responsibility of the location manager and employee to keep track of the vacation days requested and taken. Requests for Vacation Time Employees should make their vacation requests as far in advance as possible and/or in accordance with your location’s vacation planning procedures. if they can be accommodated. Please see ‘Pay in lieu of vacation time’ for further information and clarification. if they prefer. the manager will fax the signed form to the Payroll Department three weeks prior to the expected payment date. Please note. If approved. if it does not meet the needs of the business at that time. the employee has taken so far in their vacation anniversary year. the payment for the request may be delayed. Employees can only take vacation time or pay in lieu of vacation time that they are eligible for in any given anniversary year. it does not mean they are eligible to take vacation time or pay in lieu of vacation since it depends on the days.

that day is not counted as a vacation day and should be paid as ‘Holiday Pay’. the employee’s Vacation Anniversary Date would be based on the employee’s Rehire Date. In the case of rehired employees. Vacation is not to be used for unexpected absences due to illness. The date is calculated by moving the employee’s original hire date forward by the number of days that elapsed between termination and rehire. When an adjusted service date applies. not their Adjusted Service Date. Page 54 . the rehire date for employees who have left Ryder and have subsequently been rehired. the date an employee has transferred from part time to full time employment. Vacation Anniversary Date This date represents the anniversary of the original hire date for employees who have been in continuous employment with Ryder. where necessary. Illness During Vacation If an employee falls ill or is injured while off on vacation. The vacation accrual does not include entitlement for the Birthday Holiday. rehired or reinstated employees are given credit for their prior service with Ryder in determining vacation entitlement. Birthday Holidays Birthday Holidays should be paid as ‘Holiday Pay’ and not as vacation time. these days continue to count as vacation time.It is also the location manager’s responsibility to complete. Version: December 2006 Ryder Truck Rental Canada Ltd. and fax the applicable ‘Vacation Payment Request Form’ to the Payroll Department three weeks prior to the expected payment date. Adjusted Service Date When a former employee is rehired with a bridge of service. an adjusted service date must be calculated. service is bridged if the employee’s prior length of service was greater than the period of time between their termination date and their rehire date. Statutory Holidays When a statutory holiday falls on a scheduled vacation day. or. Rehired or Reinstated Employees Under some circumstances. Note: if your timesheet does not have a column for ‘Holiday Pay’ use the column for ‘Regular Pay’ and note Birthday Day in the comments section.

The remaining time can be split up in any way. they have the option of requesting the third or subsequent weeks as pay in lieu of vacation time. A split vacation may be arranged as long as the business operation is not seriously affected. If an employee has greater than two weeks vacation. Terminating Employees Employees will be paid any earned vacation pay on their final pay. However. unless there are extenuating circumstances and the employee’s manager must approve this in writing. the collective agreement will be the binding document. Employees cannot request pay in lieu of vacation time in daily amounts. Split Vacations Normally. Please note that pay in lieu of vacation time is taxed at a very high percentage since it is deemed a lump sum bonus payment in the Income Tax Act. depending upon approval by management.Vacation Carry-Over Annual vacation entitlement must be taken during the year it is earned. Page 55 . unused vacation time is not preserved and will be forfeited. Version: December 2006 Ryder Truck Rental Canada Ltd. vacation should be scheduled on consecutive days. Pay in Lieu of Vacation Time Applies to employees who have greater than two weeks vacation entitlement during their anniversary year. Pay in Lieu of Vacation Time can be requested any time during the anniversary year. however the payments must be requested in weekly increments equivalent to one or more weeks vacation pay. employees must take off at least five consecutive weekdays at least once during the year. Otherwise. Collective Agreements For all employees covered by a collective agreement. not the policy. Employees may not carry over vacation days to future years.

the collective agreement will be the binding document not the policy. The supervisor is responsible for notifying Human Resources if the length of the leave is beyond the policy of 3 days to ensure consistent application of the policy and any exceptions to it. employees may use vacation time or make arrangements with their manager for unpaid leave pursuant to the “Leaves of Absence” policy. bereavement leave would not apply. therefore if an employee were on vacation. Exceptions For all employees covered by a collective agreement. Employees may be required to show proof of the death (i. death notice. Page 56 . Version: December 2006 Ryder Truck Rental Canada Ltd. immediate family is defined as one of the following: • • • • • Spouse Domestic partner Child Parent (including in-laws) • • • • • Grandchild Roommate Relative residing at your home at the time of death Anyone serving in the place of one of the above family members Grandparent Sibling Notification of Request for Leave Employees are responsible for notifying their supervisor in a timely manner of their need for bereavement leave. the day of the funeral and the day after the funeral. If additional time off is needed. funeral home notice). Bereavement leave covers only scheduled working days.Bereavement Leave Policy In the unfortunate event of a death in a Ryder employee’s immediate family. The employee can take the day before the funeral.e. newspaper obituary. the Company will grant that employee a paid leave of absence of up to three days. Immediate Family Definition For the purpose of this policy.

Personal Leave Without Pay Subject to approval by your manager and your Human Resources Manager. Version: December 2006 Ryder Truck Rental Canada Ltd. all regular full time and part time employees may be eligible for Personal Leave Without Pay. Page 57 . Benefits Your benefits will not continue during Personal Leave. you may be eligible for a personal leave without pay for a maximum period of 90 days within a rolling 12-month period. Your manager and Human Resources Manager must approve your request. Pay and Benefits During Leave You may use your earned vacation or floating holiday.Leaves of Absence Overview Depending on the circumstances. Required Documentation You must put your request for Personal Leave in writing. The different types of leaves are described below. but otherwise your Personal Leave is without pay or benefits.

stating that the family member has a serious medical condition and as a result. Eligibility All permanent and part time employees are entitled to this leave.Compassionate Care Leave Policy Employees are entitled to up to 8 unpaid weeks of compassionate care leave to provide care and support to a gravely ill family member. there is a significant risk of death within 26 weeks. your benefits will continue during the period you are off. A certificate is required from a qualified medical practitioner. Required Documentation The medical certificate must be issued by a qualified medical practitioner. or be given a comparable position in the same location and with the same wages and benefits. However. If you have elected any optional benefits. Page 58 . you must pay these premiums while you are off for them to continue along with your LTD benefit premiums. Pay and Benefits During Leave This leave is unpaid. the employee’s child(ren) or the child(ren) of the employee’s spouse or common-law partner. having so cohabited for a period of at least one year. stating that the family member has a serious medical condition with a significant risk of death within 26 weeks. “Common law partner” means a person who is cohabiting with the individual in conjugal relationship. Reinstatement Following your leave you will be reinstated into your former position. Version: December 2006 Ryder Truck Rental Canada Ltd. Definition of a Family Member The employee’s spouse or common-law partner. and a parent of the employee or spouse or common-law partner of the parent are all considered family members.

Required Notification An employee must inform their manager that they will be taking an emergency leave of absence. Emergency days are counted as full days. child. injury or medical emergency. and death. Pay and Benefits An Emergency Leave is unpaid. step-grandparent. injury and certain other emergencies or urgent matters. If an employee has to begin an emergency leave before notifying their manager. benefits do continue during this period. grandchild or stepgrandchild of the employee. Page 59 . job-protected leave of up to 10 days each year. foster parent. Emergency leave may be taken in the case of illness. injury.Emergency Leave (Ontario only) Emergency leave is unpaid. And an employee continues to earn credit for service while they are off. illness. the employee’s spouse or the employee’s same-sex partner the spouse or same-sex partner of an employee’s child a brother or sister of the employee a relative of the employee who is dependent on the employee for care or assistance. grandparent. step-child. medical emergency or urgent matters relating to: a spouse or same-sex partner a parent. An employee can take emergency leave for up to 10 days’ unpaid leave of absence due to: • • personal illness. even if the employee only takes part of the day. step-parent. they must inform the employer as soon as possible after starting the leave. foster child. Version: December 2006 Ryder Truck Rental Canada Ltd. However.

Here are the numbers of weeks by province and for federally regulated accounts. You must provide a written request to your Manager two weeks prior. in accordance with the applicable provincial or federal legislation. You must provide your manager with 4 weeks written notice of when you intend to start your maternity or parental leave. at the minimum salary before the leave. or one of comparable value. 35 weeks if maternity leave is taken 37 weeks 37 weeks 35 weeks 52 weeks.Maternity and Parental Leave Ryder Canada employees are entitled to both unpaid maternity and parental leaves. Version: December 2006 Ryder Truck Rental Canada Ltd. Jurisdiction Federal Alberta British Columbia Manitoba New Brunswick Newfoundland Nova Scotia Ontario Quebec Maternity Leave 17 weeks 15 weeks 17 weeks 17 weeks 17 weeks 17 weeks 17 weeks 17 weeks 18 weeks Parental Leave 37 weeks 37 weeks 37 weeks. Page 60 . 35 weeks if maternity leave is taken 52 weeks Those returning from a maternity or parental leave will be entitled to their previous position. 35 weeks if maternity leave is taken 37 weeks. if you intend to change your return to work date.

If you return to work from illness on the third day. When you are away from work for more than 3 days due to illness. It is your responsibility to get the paperwork completed by your physician in order to apply for the benefit. The days that you are away from work due to illness are unpaid days. unless you apply for short-term disability and are approved. Version: December 2006 Ryder Truck Rental Canada Ltd. you are not required to apply for short-term disability.Away from work due to illness Occasionally. you must apply for short-term disability. Page 61 . all of us may need to miss some time from work due to illness.

Page 62 .About Your Benefits Version: December 2006 Ryder Truck Rental Canada Ltd.

we must balance your need for adequate protection with Ryder’s need to manage the cost of benefits. Of course. We realize that continuous communication about your benefits will help ensure that they are used properly and that they therefore serve as a true enhancement of your total Ryder compensation package. We provide a range of plans that work to minimize the financial impact of catastrophic events on you and your family.A word to begin Ryder Logistics and Transportation Solutions Worldwide is committed to its employees. Please make sure you understand how they work so you can use them effectively. A significant part of this commitment is a comprehensive benefit program that provides extensive financial protection for you and your family. This coverage can make all the difference when you really need it. Remember. We will therefore update this section as often as required. they represent a significant portion of your total compensation package. Many of these benefits are paid for entirely by Ryder. however. We will provide you with the necessary information for you to access the information or continue to receive updates as they become available. These benefits are an important part of your total compensation at Ryder. simply call Nadia Arnone at 905-812-2370 or Lesley Kerr at 905-812-2384. Page 63 . that this is only a summary of the official documents (insurance contracts and policy documents) that govern actual benefits and services. Version: December 2006 Ryder Truck Rental Canada Ltd. Together with the Company’s contributions on your behalf to government benefit plans. This section of your handbook outlines each of the plans in your benefits program. Others are available on an optional basis to meet your own individual needs at attractive group rates. obviously. and share it with your family. For more information. We will continue to review the plans. Please ensure that you keep this handbook updated with the inserts you will receive by lotus notes or from your manager or that we will update on the intranet. Read through this information. what is appropriate today may not be in the future.

About Your Benefits Guide Keep in a safe place This portion of your handbook.ca Version: December 2006 Ryder Truck Rental Canada Ltd. The address is: www. please call Sun Life’s Customer Care Centre toll-free number at 1 800 361-6212. Your Plan Administrator is there to help Your plan administrator can: • • • help you enroll in the plan provide you with the forms you need to claim group benefits answer any questions you may have Your Plan Administrator is Nadia Arnone and she can be reached at 905-8122370.sunlife. It provides you with the information you need about Ryder’s group benefit plan with Sun Life Assurance Company of Canada (Sun Life). We also recommend that you familiarize yourself with this information and refer to it when making a claim for group benefits. a member of the Sun Life Financial group of companies. about your benefits. Please keep it in a safe place. Benefits and claims information at your fingertips For more information about your group benefits or claims. Page 64 . We’re on the Internet! Learn more by going on Sun Life’s web site. is a valuable source of information for you and your family.

or send a written request by e-mail to privacyofficer@sunlife.ca. if applicable. Sun Life Financial. 225 King St. or any other person that you authorize. They maintain a confidential file in their offices containing personal information about you and Ryder’s contract with Sun Life. The statements in this booklet are only a summary of some of the provisions in the master policy. You are entitled to consult the information contained in Sun Life’s file and. visit their web site at www. If you need further details on the provisions which apply to your group benefits you must refer to the master policy (available from Human Resources) Version: December 2006 Ryder Truck Rental Canada Ltd.com. or by mail to Privacy Officer. West.sunlife. Toronto. Ontario M5V 3C5 to request that a copy of the Sun Life Privacy Brochure be sent to you. To find out more about the Sun Life Privacy Policy. call 1 800 361-6212. These files are kept for the purpose of providing you with benefits under the Ryder group benefit plan.Respecting Your Privacy Sun Life is committed to protecting your privacy. to have it corrected by sending a written request to Sun Life. Page 65 . Access to your personal information is restricted to those employees and representatives who are responsible for the administration and servicing of the Ryder contract with Sun Life.

Dependent child: Version: December 2006 Ryder Truck Rental Canada Ltd. 4. You have been continuously employed by Ryder Truck Rental Canada Ltd. 2. 3. 2. 2. at least 30 hours each week. who is entirely dependent on you for maintenance and support and who is: 1.. or 3. for dependant coverage while you meet all of the following conditions: 1. If Sun Life does not approve evidence of insurability required for a dependant. You are eligible.. You regularly work for Ryder Truck Rental Canada Ltd. at least as long as the waiting period. Means a natural. You are a resident of Canada. Definitions Dependant: Means your spouse or a dependent child of you or your spouse. and continue to be eligible. under 26 years of age and attending a college or university full-time. under 21 years of age. Waiting Period – the first of the month following 30 days of employment (from the date of hire).General Information Eligibility You are eligible. and continue to be eligible. physically or mentally incapable of self-support and became incapable to that extent while entirely dependent on you for maintenance and support and while eligible under 1) or 2) above. Your dependants are residents of Canada. 3. You are a member. You are actively working for Ryder Truck Rental Canada Ltd. You have at least one dependant. adopted or step-child who is not married or in any other formal union recognized by law. Page 66 . to be a member while you meet all of the following conditions: 1. he/she will not be a covered dependant.

Current costs for all optional benefits are available on the HR intranet or from Human Resources. see your Plan Administrator to find out how to enroll for dependant coverage. is employee-paid in order to ensure that the benefit payments will be tax-free. If your new dependant is a common-law spouse. evidence of insurability submitted to Sun Life is at your expense.g. marriage). Additional benefits are offered on an optional basis at competitive group rates. Cost and Participation Ryder pays for most of your benefits and provides them to you automatically. For late entrants. you are considered a late entrant and must submit evidence of insurability for each dependant to Sun Life. If you enroll more than 31 days after you become eligible. examine your benefit options and select the coverage that best meets your needs. allowing you to tailor your coverage to your particular needs and circumstances. Page 67 . or a person of the opposite or same sex who is living with you in a conjugal relationship for 12 consecutive Enrolment An eligible person enrolls for Optional Life Insurance by submitting a completed enrolment form and evidence of insurability to Sun Life. the Long Term Disability Plan. request dependant coverage. An eligible person enrolls for all other coverage by submitting a completed enrolment form. If you have no dependants when you enroll and later acquire one. One mandatory benefit. A member requests Optional Dependant Life Insurance by submitting a completed enrolment form and evidence of insurability to Sun Life. A member requests all other dependant coverage by submitting a completed enrolment form. (e. you are considered a late entrant and you must submit evidence of insurability to Sun Life. birth of a first child. You should assess your situation.Spouse: Means your spouse by marriage or under any other formal law. Version: December 2006 Ryder Truck Rental Canada Ltd. If you request dependant coverage more than 31 days after you become eligible.

The increase in the amount of Version: December 2006 Ryder Truck Rental Canada Ltd. If you request an increase in the amount of Optional Dependant Life Insurance. If you apply for the Optional Hospital Benefit and/or Optional Dental Benefit. then that coverage will not be effective until the date you return to active work. Optional life insurance benefits are subject to approval by Sun Life. or the date that Sun Life approves your evidence of insurability. you must submit evidence of insurability to Sun Life. You may apply for optional life and accident insurance benefits at any time. the date that you enroll for coverage. you must keep this coverage in effect for at least 12 months.Optional Benefits You may apply for optional benefits when you first become eligible for them. or the date that Sun Life determines the insurability of all of your dependants and approves at least one dependant. The following conditions apply: • • • • You may rejoin the Optional Hospital Benefit and/or Optional Dental Benefit on August 1st of any year. You (or your spouse) must complete a statement of health to provide evidence of insurability. Page 68 . Effective Date Your coverage is effective on the latest of • • • the first of the month coinciding with or following the date that you became eligible. You may cancel other optional benefits at any time. Your dependant coverage is effective on the latest of • • • the date that you become eligible for dependant coverage. the date that you request dependant coverage. If you are absent from work on the date your coverage or your dependant coverage would be effective. Changes in Coverage If you request an increase in the amount of Optional Life Insurance. you must submit evidence of insurability for your dependant to Sun Life.

Your basic life insurance and Accidental Death & Dismemberment coverage will reduce by 50% and all optional benefit coverage will end. (i. the increase becomes effective on the date you return to active work. If. • • • • you are no longer eligible. you may name anyone you choose as your beneficiary for Life and Accident Insurance benefits payable on your death and you may change your beneficiary at any time. your benefit coverage will change. you reach the Termination Age. For example. Page 69 . due to disease or injury. the increase will not be effective. Benefits After Age 65 Once you reach age 65. Your drug card must be returned to your manager upon termination. If you do not name a Version: December 2006 Ryder Truck Rental Canada Ltd. you are not actively working on the date of an increase in your benefits. Your health and dental coverage will remain unchanged to age 70. the amount of your coverage or the amount of your dependant coverage would be effective. Termination of Coverage Your coverage could terminate for a number of reasons. If Sun Life does not approve an increase in the amount of your coverage or the amount of your dependant coverage.coverage will be effective on the date that Sun Life approves the evidence of insurability. the increase becomes effective on the date Sun Life establishes.e. Naming Your Beneficiary Subject to any applicable provincial law*. Coverage for your spouse and/or dependants may end earlier than this. for optional coverage. you are no longer actively working). If Sun Life does not approve the evidence of insurability required. Sun Life may require evidence of insurability to establish the date that you are physically and mentally fit to return to active work. An increase in the maximum benefit amount will be effective on the date Sun Life approves the evidence of insurability. any further increase in the maximum benefit amount will not be effective unless evidence of insurability is approved. You will no longer be eligible for short term or long-term disability. If so. the month in which your last contribution is paid. if they no longer meet the definition of eligibility. the provision of the policy terminates.

the benefit(s) will be paid to your estate. Earnings Explanation of Benefits Calculations .). designation of your legal spouse may be considered irrevocable and cannot be changed without the permission of your spouse. Page 70 . the base number of hours per week is 40 hours per week for all material handlers and/or service employees and 45 hours per week for all drivers. Now and until future notice. by trips.beneficiary. kilometers. You are automatically the beneficiary for any Optional Life and/or Accident Insurance you purchase for your spouse and children. *In Quebec. Eligible part-time employees will be based on standard scheduled hours per week.e. accidental death and dismemberment and short term and long term disability benefit coverage amounts calculated using a base number of hours per week times an hourly rate of pay.all employees on the hourly benefit program. regardless of the method of remuneration (i. etc. Version: December 2006 Ryder Truck Rental Canada Ltd. will have benefit coverage for basic life insurance. Please contact your Plan Administrator if you wish to review or change your beneficiary designation.

Our insurance company will contact you to obtain the information required to proceed. If this situation arises. You will be required to sign an undertaking to reimburse our insurer for any amount recovered. you are expected to co-operate fully with our insurance company to allow them to do what is reasonably necessary to assert its rights in this regard. In this situation. you must obtain our insurance company’s approval. Version: December 2006 Ryder Truck Rental Canada Ltd. Before agreeing to a settlement of your claim.Third Party Compensation Benefits In some situations (such as automobile accident) you may be entitled to receive compensation benefits from another person or that person’s insurance company due to a loss that is also covered under our plan. our plan will pay you no more than the amount needed to bring your total reimbursement up to the amount of your actual loss. Page 71 . which exceeds 100% of income or expenses.

Your benefits at a glance Compulsory government programs Program Summary Canada Pension Plan / Provides minimal protection Quebec Pension Plan in case of retirement. Page 72 . disability or death. Costs Shared contributions (the amount paid is a percentage of earnings to a set maximum). Ryder: 50% Employee: 50% Contributions paid by Ryder Contributions paid by Ryder (a portion of earnings to a set maximum) Shared contributions (the amount paid is a percentage of your earnings within a set maximum determined annually by Revenue Canada) Provincial Health Coverage Worker’s Compensation Guaranteed basic health care services Income replacement insurance for employees injured while working Income replacement insurance for employees who are terminated Employment Insurance Version: December 2006 Ryder Truck Rental Canada Ltd.

Short Term accident/hospitalization Disability Plan or 4th day of illness. Employee pays cost. Disability Benefits After 1st day of Ryder pays cost. Basic Health Insurance Plan Hospital. Optical Semi-private hospital Optional room Hospital benefit Ryder pays cost Dental plan Optional Dental benefit Preventive. partial earnings paid up to 15 weeks from Sun Life and a further 11 weeks from EI. Ryder pays the cost Optional benefit. Employee pays cost. expenses not covered Supplementary by your Provincial Health. taxEmployee pays Long Term mandatory free. Optional benefit. Out-ofProvince and Travel Assistance Benefits.Ryder Benefits Benefit Summary Costs For more details Page Health & Dental Benefits Extended Health Covers many health Plan – Drug. major and orthodontic services Increase in yearly maximum benefit from the Ryder paid dental plan. Version: December 2006 Ryder Truck Rental Canada Ltd. if totally disabled. basic. Page 73 . Opportunity to add this benefit every August 1st for a minimum of a 12-month period. 60% of earnings. up to cost Disability Plan age 65. Opportunity to add the benefit every August 1st for a minimum of a 12-month period.

up to $250. Employee pays cost. Optional benefit.000 per child Optional Life Insurance – Children Accident Insurance Basic Employee 1 X annual earnings Accidental Death & Dismemberment (AD&D) Units of $10.000 per child Ryder pays cost Optional benefit. Employee pays cost.000 up to Optional Life $250.000 Insurance – Spouse $10. Version: December 2006 Ryder Truck Rental Canada Ltd.000. Ryder pays cost Optional benefit. Optional benefit. Retirement & Savings Plans Provides a lifetime Ryder Retirement Plan: monthly income based on your service and Pension career earnings. up to Optional Life $250. Optional benefit. Optional benefit. Employee pays cost. Employee pays cost.000 Optional AD&D – Units of $10. Employee pays cost.000. up to Optional Employee AD&D $250.000 Insurance Units of $10. You may use your Ryder Group accumulated savings Registered to provide a lifetime Retirement retirement income Savings Plan (Group RRSP) When you contribute to Ryder Deferred the Group RRSP. Employee pays cost. Account Accumulates a lump Retirement sum amount used to Account buy an annuity.000. Optional benefit. Ryder pays cost. Ryder pays cost. Page 74 . Employee pays cost.Survivor Protection Life Insurance 1 X annual earnings Basic Life Insurance Units of $10. Employee pays cost.000 Spouse Optional AD&D Children $10. Optional benefit. Profit Sharing Ryder makes matching Plan (DPSP) contributions to the DPSP up to certain limits.

Page 75 .com Username: ryder Password: ryder101 Policy Number 83444 Not applicable Retirement Pension Plan: 10000564 Group RRSP: 20000564 Deferred Profit Sharing Plan: 30000564 Not applicable Employee Assistance Program Version: December 2006 Ryder Truck Rental Canada Ltd.ca/GRO FGI Canada-wide (English): 1800-268-5211 Canada-wide (French): 1800-363-3872 www.manulife. Monday to Friday (excluding holidays) www. Program Health & Dental benefits Survivor Protection – Life Insurance Accident Insurance Disability benefit payments Disability benefits Retirement & Savings Plans Insurance Company Contact Information Sun Life Financial 1-800-361-6212. number and policy numbers for the different components of your benefit plan. 7:00 am to 8:00 pm (EST).fgiworldmembers.sunlife.ca/member Sun Life 1-800-361-6212 Manulife Financial 1-888-727-7766 or www.Insurers and Policy Numbers Please find below the contact name.

D. but does not include a dependant. by trips.) will have benefit coverage for basic life. Calendar Year Member Physician Version: December 2006 Ryder Truck Rental Canada Ltd. The base number of hours per week is: • 40 hours per week for all material handlers and shop employees. All members of the hourly benefit program. • 45 hours per week for all drivers. Means a doctor of medicine (M. • Standard scheduled hours per week for all eligible part-time employees.Defining Special Terms The table below contains the definitions of the key terms used throughout the Employee Benefits section of this handbook. short term and long term disability benefit coverage amounts calculated using a base number of hours per week multiplied by an hourly rate of pay. etc. Term Actively working and active work Benefit Calculations Earnings Definition Means the performance of all of the regular duties of the person’s own occupation for one full working day or shift.) legally licensed to practice medicine. Means January 1 to December 31 Means a person who is insured. Page 76 . accidental death and dismemberment. regardless of the method of remuneration (for example. kilometers.

you may claim the remaining amount as a medical expense for income tax purposes. Except in Quebec. In addition. you do not pay income tax on Ryder’s cost of providing you with Extended Health Care and Dental Plan benefits (in Quebec. Page 77 . you must pay provincial income tax on this amount). Version: December 2006 Ryder Truck Rental Canada Ltd. The benefits paid to you for health and dental claims are not subject to income tax.Your Benefits and Tax Considerations Most of the benefits you receive under the benefits program will not affect your income tax situation. • • • • • In provinces where Ryder pays the Provincial Health Insurance Plan premium on your behalf. However. you must pay income tax on the premium. Your Optional Hospital Benefit premiums (if elected) qualify as a medical expense for income tax purposes. If any of your health and dental expenses are not fully reimbursed by Ryder’s plans or any other plan. some of the additional benefits you may receive will also affect your income tax. contributions and premiums for group insurance coverage are treated differently in the different provinces.

Does the benefits program cover them? No. My parents live with me and depend on me for support. If you retire after at least five years of service.000. please contact your manager for the appropriate forms. your health and dental coverage ceases at retirement. At that time. The rest of your life and accident insurance coverage and any coverage on your spouse and children cease at retirement. You may also contact Nadia Arnone at 905-812-2370 if you require further information. Disability coverage also stops at retirement or age 65. Version: December 2006 Ryder Truck Rental Canada Ltd. please contact Human Resources. your health and dental coverage will continue for both yourself and your eligible family members until you reach age 65. This amount remains in effect for the rest of your life at no cost to you. both your coverage and your family’s coverage will stop. If you have any questions. What happens to my benefits when I retire? If you retire after attaining age 55 with at least 10 years of service and 5 years of membership in the Ryder Retirement Plan but before age 65. Page 78 . Only your spouse and/or dependent children who meet the definition of eligibility are covered by the benefits program in addition to you. subject to a maximum benefit of $50. Once you are eligible for coverage. whichever occurs first. Unless you qualify for continuing benefits as described above. What happens to my coverage if I change positions at Ryder? Eligibility for the benefits program is the same throughout Ryder. you have the opportunity to add this once a year to be effective August 1st. you will remain eligible unless you change employment status and are no longer working full time or part time (minimum of 30 scheduled hours) on a permanent basis. your Basic Life Insurance is reduced to 25% of your highest annual earnings while employed at Ryder. If you want to add any optional coverage.You were asking What do I need to do to change my coverage? If you wish to make changes to your benefits.

you must continue to pay the required premiums during your leave. your insured family members will continue to be covered for another 60 days. If you want more information in regards to this. You are eligible for 50% of any Basic or Optional Life Insurance you have up until age 70. If you have any questions. Your health and dental coverage and your out-of-province health coverage will continue as is until age 70. You are also required to pay the Long Term disability premiums throughout your leave. please contact Nadia Arnone at 905-812-2370. you will have the option of converting your life insurance coverage to an individual policy. In the case of death. Page 79 . Your short and long term disability benefits will end at age 65. What happens with my benefits during maternity and parental leave? Your Company-paid health and dental coverage continues automatically during any maternity and parental leave. please contact Nadia Arnone at 905-812-2370.What happens to my benefits if I leave Ryder? Your coverage under the benefits program ends when you leave Ryder. If you want to maintain the optional hospital or optional dental benefit for yourself and any insured family members. what happens to my benefit coverage then? After age 65. However. Version: December 2006 Ryder Truck Rental Canada Ltd. what happens to my family’s benefit coverage? If you die while covered by these health and dental plans. What if I turn 65 and continue to work at Ryder. your benefit coverage will change based on the fact that the government now covers some of your coverage.

Health & Dental Care Version: December 2006 Ryder Truck Rental Canada Ltd. Page 80 .

Page 81 . at no cost to you. If you wish. While you may usually need only regular check-ups and the occasional prescription drug. Ryder provides comprehensive extended health care and dental plans for both you and your family members. you never know when you may require special services such as home nursing care or major dental procedures. you may select additional hospital and/or optional dental coverage at an attractive group rate. While each province has its own health insurance plan.Health and Dental Care Introduction Quality health and dental care is something everyone needs. Version: December 2006 Ryder Truck Rental Canada Ltd. the benefits from these plans are generally limited to basic medical care and hospital accommodation. To help you meet both predictable and unexpected needs that are not covered by your Provincial Plan.

**Maximum for eyeglasses/contact lenses every 24-month period for you and for each covered dependant. Health Care Out-of-province Emergency and Travel Assistance Deductible Per Per family person unit None None None None $50* $150* None $50* None None $150* None Reimburse ment 80% 100% 80% 100% 80% 100% *The deductible applies per calendar year. if earlier. Termination Age: member’s 70th birthday or retirement.000 for you and each covered dependant for the combined eligible expenses under Parts A. this benefit will be applied before the regular hospital benefit. Version: December 2006 Ryder Truck Rental Canada Ltd. D and E.Health and Dental Care In summary… Extended Health Benefit Part A B C D E F Benefit Drug: Pay Direct Vision: $150**** Hospital: ward to semiprivate** Optional Hospital: ward to semi-private*** Supp. C. Lifetime Maximum: $350. ****Optional Hospital Benefit: additional 31 days per disability. ***Limited to 31 days per disability. NOTE: If optional hospital is elected. The deductible applies to the combined eligible expenses of Part C and E. Other maximums are listed under the appropriate Provision page. Page 82 . B.

B and C for you and for each covered dependant. C and D. in the province of residence of the member. Dental Fee Guide: The applicable fee guide is the one in force for general practitioners on the day when and in the province where the expense is incurred or. For expenses incurred in Alberta.Dental Benefit Part Benefit Deductible Per Per person family unit None None $50* $150* $50* $50* $150* $150* Reimbursement Maximum A B C D Basic Basic Restorative Major Restorative Orthodontic 80% 80% 50% 50% $1. **The maximum amount payable applies to the combined eligible expenses incurred in a calendar year under Parts A. or outside Canada by an Alberta resident. if earlier.000** ** ** $1. Page 83 .500*** *The deductible applies per calendar year. ***The maximum lifetime amount payable applies to the eligible expenses incurred under Part D for you and for each covered dependant. Version: December 2006 Ryder Truck Rental Canada Ltd. for expenses incurred outside Canada. the maximum amount payable for the combined eligible expenses of all parts incurred during the first 12 months of coverage will be limited to $250 for you and for each covered dependant. Late Entrant Maximum: If you or your eligible dependant becomes covered more than 31 days after the date you became eligible for the Dental coverage. Termination Age: member’s 70th birthday or retirement. the applicable fee guide is the 1997 Alberta Fee Guide plus an inflationary adjustment determined by Sun Life. The deductible applies to the combined eligible expenses of Parts B.

the applicable fee guide is the 1997 Alberta Fee Guide plus an inflationary adjustment determined by Sun Life. Late Entrant Maximum: If you or your eligible dependant becomes covered more than 31 days after the date you became eligible for the Dental Coverage. for expenses incurred outside Canada. The deductible applies to the combined eligible expenses of Parts B. For expenses incurred in Alberta. Page 84 . **The maximum amount payable applies to the combined eligible expenses incurred in a calendar year under Parts A. if earlier. the maximum amount payable for the combined eligible expenses of all parts incurred during the first 12 months of coverage will be limited to $250 for you and for each covered dependant. ***The maximum lifetime amount payable applies to the eligible expenses incurred under Part D for you and for each covered dependant.500*** *The deductible applies per calendar year. Dental Fee Guide: The applicable fee guide is the one in force for general practitioners on the day when and in the province where the expense is incurred or. Termination Age: member’s 70th birthday or retirement. Version: December 2006 Ryder Truck Rental Canada Ltd. or outside Canada by an Alberta resident. in the province of residence of the member.500** ** ** $1. C and D. B and C for you and for each covered dependant.Optional Dental Benefit Part Benefit Deductible Per Per person family unit None None $50* $150* $50* $50* $150* $150* Reimbursement Maximum A B C D Basic Basic Restorative Major Restorative Orthodontic 80% 80% 75% 50% $1.

While coverage varies slightly from province to province. Ryder pays a payroll tax toward the cost of your Provincial Plan coverage. In some other provinces. please contact your provincial health ministry (you can find their phone number in the blue pages in your telephone directory). Cost Ryder pays the full cost of your Provincial Plan premiums in provinces where premiums apply. Benefit Your Provincial Health Insurance Plan pays for most of your basic medical expenses.Health & Dental Care Provincial Health Insurance Eligibility This benefit is available to everyone who has resided in the province for the minimum period of time required by your provincial plan. when referred by a general practitioner Diagnostic procedures. Page 85 . If you have any questions or would like to verify your eligibility. most plans pay for: • • • • • • Doctors’ and surgeons’ fees Specialists’ fees. including x-rays and lab tests Maternity care Standard ward hospital accommodation Out-patient treatment For more information on your Provincial Health Insurance Plan. contact your provincial health ministry. Version: December 2006 Ryder Truck Rental Canada Ltd.

Page 86 . misrepresentation or falsification of information relating to any claim constitutes fraud. priority of payment will be attributed in the following order: Member 1. If a person is covered under two plans. • The plan where the member is a part-time employee. which must be satisfied each calendar year.Extended Health Care Plan This plan helps pay for many supplies and services not covered by your Provincial Plan. The intentional omission. Version: December 2006 Ryder Truck Rental Canada Ltd. is subtracted. and The reimbursement percentage is applied. To determine the amount payable. If the other plan does contain a co-ordination of benefits clause. payment under the other plan must be made first. Co-ordination of Benefits If you or your covered dependant are covered under another plan and the other plan does not contain a co-ordination of benefits clause. Then the deductible. The plan where the person is covered as a member. It includes the following benefits: • • • • • • Basic Drug Benefit Supplementary Health Benefit Basic Hospital Benefit Out-of-Province Benefit Optical Benefit Travel Assistance Benefit Benefit You will be reimbursed when you submit proof to Sun Life that you or your covered dependant has incurred any of the eligible expenses for medically necessary services required for the treatment of disease or bodily injury. 2. the total amount of eligible expenses you claim will be adjusted as follows: • • • The maximums described throughout the extended health benefit provisions are applied. priority goes to • The plan where the member is a full-time employee.

if the parents have the same birth date. The intent of subrogation is to limit your benefit payments to the amount you actually lost. If a dental accident occurs. • The plan of the spouse of the parent not having custody of the dependent child. Following payment under another plan. Page 87 . Subrogation Subrogation is a legal practice giving Ryder Truck Rental Canada Ltd. and is required to compensate you for any of the loss that results from your disability. you would reimburse Sun Life for the loss of income benefits Sun Life has paid. In situations where parents are separated/divorced. If Ryder Truck Rental Canada Ltd. Let’s assume a person is responsible for your disability. then the following order applies. • The plan of the spouse of the parent with custody of the dependent child. the benefits will be prorated in proportion to the amount that would have been paid under each plan had there been coverage by only that plan. The plan of the parent whose first name begins with the earliest letter in the alphabet. 3. the amount of benefit payable under this plan will not exceed the total amount of eligible expenses incurred less the amount paid by the other plan. is paying or has paid your loss of income benefits. In that case. 6. the right to be reimbursed for benefits paid to you if you have been compensated by another person who is responsible for your loss. • The plan of the parent not having custody of the dependent child. • The plan of the parent with custody of the dependent child. you may be receiving more income than you earned before you became disabled. health plans with dental accident coverage will pay benefits before dental plans. 5.• Spouse The plan where the member is a retiree. If you receive an amount for future loss of income. If priority cannot be established in the above manner. Version: December 2006 Ryder Truck Rental Canada Ltd. that amount will reduce your future loss of income benefits from Ryder Truck Rental Canada Ltd. The plan where the person is covered as a member Dependent Child 4. The plan of the parent with the earlier birth date (month/day) in the calendar/benefit year.

Page 88 . any claim must be received by Sun Life no later than 90 days following the end of the coverage. Version: December 2006 Ryder Truck Rental Canada Ltd. Expenses for services and products. However. Workplace Safety and Insurance Act or a similar statute. if your coverage terminates. Sun Life will contact you to obtain the information required to proceed. whether or not war was declared. For the assessment of a claim. If subrogation applies to your claim. Ryder Truck Rental Canada Ltd. rendered or prescribed by a person who is ordinarily a resident in the patient’s home or who is related to the patient by blood or marriage. Exclusions No benefit is payable for • • • • • • Expenses for which benefits are payable under a Workers’ Compensation Act. Expenses incurred due to intentionally self-inflicted injuries. You will be required to sign an undertaking to reimburse Sun Life for any amount recovered. you must reimburse Ryder Truck Rental Canada Ltd. Expenses for benefits which are legally prohibited by the government from coverage. Proceedings must be started within 1 year of Sun Life’s receipt of the proof of claim. Claims A claim must be received by Sun Life within 18 months of the date that the expense is incurred.Subrogation also applies to any medical and/or dental expenses you have been paid as a result of an injury caused by another person. Before agreeing to a settlement of your claim. itemized bills. which exceeds 100% of income or expenses. There is a time limit for proceedings against Sun Life for payment of a claim. Expenses incurred due to civil disorder or war. If your physician is recommending medical treatment that is expected to cost more than $1.’s approval must be obtained. attending physician statements or other necessary information are required. you should request pre-authorization to ensure that the expenses are covered.000. Once the person who is responsible for your loss compensates you. Expenses for which benefits are payable under a government plan.

At Termination If. is receiving treatment from a physician and is confined to a hospital or his home. Version: December 2006 Ryder Truck Rental Canada Ltd. or Your covered dependant has a medically determinable physical or mental impairment due to injury or disease. regardless of the availability of work for you. on the date of termination of your coverage. • You have a medically determinable physical or mental impairment due to injury or disease which prevents you from performing the regular duties of the occupation in which you participated just before the impairment started. • Benefits will be payable for eligible expenses related to the impairment provided they are incurred within 90 days of the date of termination and this provision continues in force. Page 89 .• Out-of-province expenses for elective (non-emergency) medical treatment or surgery.

5. provided they are medically necessary for the treatment of disease or injury. 2. Drug Utilization Review (DUR) Sun Life provides a Drug Utilization Review (DUR) to ensure the safe and effective use of drugs prescribed for you and your insured dependant. injectible drugs 4. and chemical diagnostic aids for the treatment of diabetes. Your Version: December 2006 Ryder Truck Rental Canada Ltd. controlled drug. prescribed by a physician or dentist and dispensed by a registered pharmacist or physician: 1. needles. life-sustaining drugs which may not legally require a prescription and are identified in the Therapeutic Guide section of the current Compendium of Pharmaceuticals and Specialties under the following headings: • anti-anginal agents • antiparkinsonism agents • bronchodilators • antihyperlipidemic agents • hyperthyroidism therapy • parasympathomimetic agents • tuberculosis therapy • anticholinergic preparations • anti-arrhythmic agents • glaucoma therapy • insulin preparations • oral fibrinolytic agents • potassium replacement therapy • topical enzymatic debriding agents 3. which legally require a prescription and are identified in the Monographs section of the current Compendium of Pharmaceuticals and Specialties as a narcotic. or requiring a prescription. compounded prescriptions where one of the ingredients is an eligible expense. drugs. Page 90 .Extended Health – Pay Direct Drug Benefit Eligible Expenses Eligible expenses are the reasonable and customary charges for the following items of expense. syringes.

such as a severe drug interaction. ♦ expenses for drugs for the treatment of obesity. and infant foods. ♦ expenses for drugs used for the treatment of erectile dysfuntion. any maximums included in this benefit do not apply to eligible drugs covered by the RAMQ formulary.pharmacist will review an eligible drug against your past drug claims for possible harmful effects to your health. ♦ expenses for contraceptives (other than oral). Regie de l’assurance du Quebec (RAMQ) Formulary Drugs for Quebec Residents In addition to the above eligible expenses. are experimental. this benefit includes all drugs covered by Quebec basic drug formulary. Limitations and Exclusions No benefit is payable for ♦ the portion of expenses for which reimbursement is provided by a government plan. ♦ expenses for drugs which. ♦ expenses for drugs used for treatment of infertility. ♦ expenses for smoking cessation aids. vitamins. Page 91 . Version: December 2006 Ryder Truck Rental Canada Ltd. ♦ expenses for dietary supplements. The minimum reimbursement percentage required by provincial legislation is applied up to the annual out-of-pocket maximum. as specified by law. and ♦ expenses incurred under any of the conditions listed on the Extended Health Provision page as an exclusion. ♦ expenses for drugs which are used for cosmetic purposes. This formulary is reviewed on a regular basis and is subject to change as new drugs and drug products are introduced. For Quebec residents. as established by the RAMQ. in Sun Life’s opinion.

eyeglasses and contact lenses and repairs to them that are necessary for the correction of vision and are prescribed by an ophthalmologist or optometrist. limited to the maximum specified in the Summary of Benefits for eligible expenses incurred during a 24 month period for you and for each covered dependant. Mean those which are usually made to a person without coverage for the items of expense listed under Eligible Expenses and which do not exceed the general level of charges in the area where the expense is incurred. Reasonable and customary charges: Eligible Expenses Eligible expenses mean reasonable and customary charges for the following items of expense: 1. Exclusions No benefit is payable for 1.Extended Health – Vision Benefit Definitions Ophthalmologist: Optometrist: Means a person licensed to practice ophthalmology. Means a member of the Canadian Association of Optometrists or of a provincial association associated with it. 3. expenses incurred under any of the conditions listed on the Extended Health Provision page as an Exclusion. Version: December 2006 Ryder Truck Rental Canada Ltd. eyeglasses and contact lenses certified by an ophthalmologist as necessary due to a surgical procedure or the treatment of keratoconus. limited to a lifetime maximum of $200 for the non-surgical treatment of keratoconus for you and for each covered dependant and a maximum of $200 for expenses incurred within six months of each surgical procedure. eye examinations by an ophthalmologist or optometrist limited to one examination in a 24-month period. 2. Page 92 .

Most locations will also apply the discount to non-prescription eyewear and accessory items. Version: December 2006 Ryder Truck Rental Canada Ltd. prescription lenses and lens add-ons at registered PVS locations. Page 93 .Preferred Vision Services (PVS) The Preferred Vision Services (PVS) vision care program enables you to purchase eyewear at savings of up to 20%. PVS locations can be identified by calling the PVS information centre toll-free number 1-800-668-6444. These savings are available on all frames. You will need to show your group benefits identification certificate when you visit the practitioner. You can then submit your claim to Sun Life.

limited to the difference between the charges for public ward and semi-private accommodation for each day of hospitalization. semi-private accommodation in a convalescent hospital limited to $25 per day and 120 days per disability.Extended Health – Supplementary Hospital Benefit Eligible Expenses Eligible expenses mean reasonable and customary charges for 1. 2. Exclusions No benefit is payable for 1. Page 94 . Version: December 2006 Ryder Truck Rental Canada Ltd. semi-private accommodation in a hospital for a period of 31 days per disability. expenses incurred under any of the conditions listed on the Extended Health Provision page as an exclusion.

N. Eligible expenses are the reasonable and customary charges for the items of expense listed below. Page 95 . including one x-ray examination per calendar year. * physician's prescription not required. e. g. i. a podiatrist or chiropodist*. the expenses must be medically necessary for the treatment of disease or bodily injury and prescribed by a physician. limited to $20 per visit to a calendar year maximum of $200 for each practitioner. the services of the following practitioners.Extended Health – Supplementary Health Care Benefit Eligible Expenses To be eligible.N. Where applicable. 1. the services of a homemaker other than members of the employee's family. a physiotherapist. but only if the employee or dependent (i) requires such services as a result of a diagnosed illness or injury. an osteopath*. a speech language pathologist. provided through the government sponsored home care program of the employee's province of residence. d. The practitioner must be registered with the appropriate association or registry. f. a registered massage therapist. expenses for practitioners' services eligible under a provincial health care plan will not be reimbursed until your expenses exceed the annual maximums under your provincial plan. b. a psychologist.) providing private duty nursing services in the patient's home. a naturopath*. the patient's treatment must require the level of expertise of an R. limited to $25. To qualify as an eligible expense. a chiropractor*. an acupuncturist. and h.000 in a calendar year. 3. the services of a registered nurse (R. and (ii) qualifies for the maximum "Homemaker" benefit under such home care Version: December 2006 Ryder Truck Rental Canada Ltd. 2. c. including one x-ray examination per calendar year. a. including one x-ray examination per calendar year.

5. including dental prosthesis. if the patient requires the services of a registered nurse during the flight. and a calendar year maximum of $25. trusses and crutches. the services of a dental surgeon. artificial limbs or other prosthetic appliances. provided they are not solely for athletic use. 11. A physician's prescription is not required. the services and return air fare for a registered nurse. required for the treatment of a fractured jaw or for the treatment of accidental injuries to natural teeth if the fracture or injury was caused by external.000. 10. limited to $150 for eligible expenses incurred during a 5-year period. 4. licensed ground ambulance service to the nearest hospital equipped to provide the required treatment when the physical condition of the patient prevents the use of another means of transportation. 14. emergency air ambulance service to the nearest hospital equipped to provide the required treatment when the physical condition of the patient prevents the use of another means of transportation. excluding batteries. 7. limited to $150 in a calendar year. when they are required for the correction of deformity of the bones and muscles and provided they are not solely for athletic use. diagnostic laboratory and x-ray examinations. oxygen. 12. violent and accidental means. provided the services are performed within 12 months of the accident but excluding services required in conjunction with such fracture or injury due to a condition that existed before the accident. Page 96 . orthopaedic modifications to shoes. 13. hearing aids and repairs to them. 8. and orthotics. braces. orthopaedic shoes.program provided however that covered expenses shall be limited to the same hourly rate as that payable by such home care program. limited to $750 for eligible expenses incurred during a 3-year period. 9. and services shall be limited to 100 hours per month. blood glucose monitors for insulin dependent diabetics. 6. and. Version: December 2006 Ryder Truck Rental Canada Ltd.

traction kits.A. except those specifically provided under Eligible Expenses for treatment of accidental injuries to natural teeth. expenses for the services of a registered nursing assistant (R. walkers. Exclusions No benefit is payable for 1. wheel chairs. a. after deducting the amount payable by a government plan. e. c.N.) or homemaker. 3. Page 97 . utilization fees which are imposed by the provincial health care plan for the use of a service. Version: December 2006 Ryder Truck Rental Canada Ltd. items such as: a. 4.15. hospital beds. or purchase at our option. wheel chair repairs. limited to a lifetime maximum of $250. b. after deducting the amount payable by a government plan. the level of physicians' charges in the patient's province of residence. rental. Eligible durable equipment includes. public ward accommodation and auxiliary hospital services in a general hospital limited to.). 2. expenses incurred under any of the conditions listed on the Extended Health Provision page as an Exclusion. b. the following hospital and medical services which are not offered in the province of residence and are performed following written referral by the attending physician in the patient's province of residence. $75 a day for 60 days in a calendar year. expenses for items purchased solely for athletic use. 5.P.N. Items of expense incurred outside Canada are eligible only if they are not offered in any province in Canada. licensed practical nurse (L. dental expenses. services of a physician limited to. d. 16. of durable equipment which is required for temporary therapeutic use in the patient's home and is approved by Sun Life. but is not limited to.

Extended Health . Family member means you or your covered dependant. you will be asked to provide medical information from your physician to show that the expenses could not have been foreseen. you should discuss the stability of the medical condition with your physician. which occurs during the first 60 days of traveling on vacation or business outside your home province. suffering or disease. they are medically necessary. listed under Eligible Expenses and which do not exceed the general level of charges in the area where the expense is incurred. Version: December 2006 Ryder Truck Rental Canada Ltd. they are incurred as a result of emergency treatment of a disease or injury which occurs outside your home province. Reasonable and customary charges mean those. which are usually made to a person without coverage for the items of expense. If a questionable claim occurs. unexpected occurrence (disease or injury) that requires immediate medical attention. 2. you and your covered dependant must have provincial health care coverage. and 3. if you or your covered dependant has a medical condition that required treatment or a change in medication in the three months prior to departure. Expenses for hospital/medical services and travel assistance benefits are eligible if 1. is medically able to return to your province of residence. which cannot be delayed until you or your covered dependant.Out-of-Province Emergency and Travel Assistance Benefit To be covered for this benefit. This includes treatment (non-elective) for immediate relief of severe pain. For example. they are incurred due to an emergency. Your 60 days of coverage starts on the day you or your covered dependant departs from your home province. Definitions: Emergency means a sudden. Page 98 .

3. which include reimbursement for the cost of: Version: December 2006 Ryder Truck Rental Canada Ltd. public ward accommodation and auxiliary hospital services in a general hospital. Hospital or Supplementary Health Care benefits are also eligible while you or your covered dependant is travelling outside Canada. the services and return air fare for the registered nurse. family assistance benefits. Eligible Expenses for Hospital/Medical Services Eligible expenses mean reasonable and customary charges for the following items of expense. brother or sister. services of a physician. economy air fare for the patient's return to his province of residence for medical treatment. emergency air ambulance service to the nearest hospital equipped to provide the required treatment. Vision. less the amount payable by a government plan: 1. 2. licensed ground ambulance service to the nearest hospital equipped to provide the required treatment. These expenses are subject to the deductibles and reimbursement percentages listed under the appropriate benefit in the Summary of Benefits. and if the patient requires a registered nurse during the flight. parent. Eligible Expenses for Travel Assistance Benefits Eligible expenses mean reasonable and customary charges for the following items of expense: 1.000. Expenses that are included as Eligible Expenses under Drug. The maximum lifetime amount payable for the above Eligible Expenses is $1. or to Canada. when the patient's physical condition prevents the use of another means of transportation. 5. 4. Page 99 . child.000 for you and for each covered dependant.Relative means your spouse. or to Canada. when the patient's physical condition prevents the use of another means of transportation.

The maximum amount payable for returning the vehicle is $1. c. for one relative. Page 100 . We will arrange the transportation of the dependent child to your home. pre-paid transportation. such as burial caskets and urns. Preparation of the deceased includes expenses for cremation at the place of death. Version: December 2006 Ryder Truck Rental Canada Ltd. an escort will be provided to accompany him. if they are left unattended because you or your spouse is hospitalized outside your province of residence. These expenses are also covered when it is necessary for a relative to identify a deceased family member before the release of his body. or the nearest appropriate rental agency.000. Return of the deceased includes a basic shipping container. This includes meals and accommodation up to a maximum of $150 per day. If a family member is unable to operate a vehicle (owned or rented) because he is being returned to Canada for medical treatment.000 for one travel emergency. 2. Sun Life will administer reimbursement of the cost of returning this vehicle to his province of residence. but excludes expenses for burial. 3. The maximum amount payable for the preparation and return of the deceased is $5. return tickets. and consequently requires them to purchase new return tickets.a. less any amount reimbursed for the unused. meals and accommodation up to a maximum of $150 per day per family. return of a vehicle.000. The extra cost of each return fare is payable to a maximum of a one-way economy fare. The necessary authorizations will be obtained and arrangements made for the return of the deceased to his province of residence. This benefit is also payable in the event of a family member's death. and if necessary. if the hospitalization of a family member prevents them from returning home on the originally scheduled. return of a deceased family member. return transportation for family members. or who are handicapped. and round-trip economy transportation. The combined maximum amount payable for the above family assistance benefits is $5. if a family member is hospitalized for more than 7 days while traveling without a relative. The maximum payable for the return transportation is a one-way economy fare for each dependent child. b. d. visit of one relative. if a trip is extended because a family member is hospitalized. return transportation for covered dependent children who are under the age of 16.

DC). physician and hospital referrals. 4. With Medi-Passport from Sun Life. hospital or translator). payment assistance for hospital/medical expenses. By calling the 24-hour helpline. 5. your family. 2. one of the largest and most experienced emergency assistance companies in the world. coordination of transportation arrangements via ground or air ambulance if it is medically necessary to return a family member to Canada or transfer him to another hospital that is equipped to provide the required treatment. Version: December 2006 Ryder Truck Rental Canada Ltd. 7. 6. friends and business associates. 3. on-going monitoring of medical treatment if a family member is hospitalized. (Washington. It gives you access to a 24-hour-day toll-free number for emergency information from anywhere in the world (such as referrals to a physician.Travel Assistance Services Benefit This benefit is available for the first 60 days of any trip away from home. Worldwide Assistance will be able to provide you and your covered dependants with the following emergency assistance services during the first 60 days of travel: 1. Inc. you are one call away from Worldwide Assistance Services. Page 101 . a telephone interpretation service. a message service for you. legal referrals.

Worldwide Assistance will hold such messages for 15 days. then have a family member. they can call the help line and leave messages for you while you travel. traveling companion or medical personnel call for you. you must reimburse us for the excess amount of the payment. 1.Emergency Payment Assistance Eligible Hospital/Medical Expenses: To ensure payment of these expenses. likewise. 4. Page 102 . Version: December 2006 Ryder Truck Rental Canada Ltd. 24 Hour Help line If emergency assistance is needed. If you receive any subsequent bills for these expenses. If you are physically unable to call the help line yourself. friends or business associates. 2. nurse or hospital personnel will NOT ensure payment of these expenses. You will be required to sign an authorization form allowing Worldwide Assistance to recover any amounts payable by the provincial health care plan. 3. You can also call the help line and leave important messages for family. For expenses that require a percentage paid by you. Simply showing your Sun Life travel assistance card to a doctor. Multilingual coordinators at Worldwide Assistance can access a worldwide network of professionals who offer help with medical. a 24-hour help line is available. if you need to find a local legal advisor. or if you require telephone interpretation services. Worldwide Assistance will verify your extended health coverage and provincial health care coverage so payments can be arranged on behalf of you or your covered dependant. please forward them to Worldwide Assistance and they will coordinate payments with the provincial health care plan and Sun Life. Call the 24-hour help line immediately. The 24 hour help line can assist you and your covered dependant if you have lost your passport or visa. legal. or that are not covered under this plan or the provincial health care plan. 5. and other travel related emergencies.

Physicians and hospitals can call to confirm benefits and arrange direct payment. 2. expenses incurred under any of the conditions listed as an Exclusion in the Extended Health Provision.. hotel or other current telephone number. please contact Nadia Arnone at 905812-2370. If you do not have a card. expenses for the regular treatment of an injury or disease which existed before your departure or your covered dependant's departure from your province of residence. expenses incurred by you or your covered dependant due to an emergency which occurs more than 60 days after departure from your province of residence. In an emergency. is open 24 hours a day. Exclusions and Limitations No benefit is payable for 1. Worldwide Assistance’s operations center in Washington.C. ID No. to receive one. 3. you and your covered dependants must return to your province of residence for at least 30 consecutive days before becoming eligible for another 60 days of coverage. Version: December 2006 Ryder Truck Rental Canada Ltd.. as soon as possible. expenses incurred on a non-emergency or referral basis. Certificate No. Please give Worldwide Assistance your hospital.com Remember to add the long-distance calling code to the USA at the beginning of the (202) numbers above. Page 103 . please be ready to state your Plan No.. In the USA and Canada. call: In Mexico. D. 4. You should carry your Medi-Passport card with you whenever you travel outside your province. If you are covered as a retired employee. call: Elsewhere. and Provincial Medical Coverage Plan/Health Card Number. call collect: Fax: E-mail: 1 800 511 4610 001 800 368-7878 (202) 296-7493 (202) 331-1528 ops@worldwideassistance. contact Worldwide Assistance Services Inc. so they can stay in touch with you.When calling the 24-hour help line.

Due to conditions such as war. Neither Sun Life nor Worldwide Assistance is responsible for the availability. emergency assistance services may not be available in certain countries. political unrest. and geographic inaccessibility. epidemics. Version: December 2006 Ryder Truck Rental Canada Ltd. quality or results of the medical treatment received by you or your covered dependant. For more information on travelling conditions and the availability of Worldwide Assistance services in a particular country. Page 104 . please call the appropriate 24-hour help line. or for the failure to obtain medical treatment.

is subtracted. Spouse 3. the total eligible expenses claimed are adjusted as follows: 1. To determine the amount payable. If a person is covered under two plans. which must be satisfied each year. The intentional omission. • • • The plan where the person is covered as a member. priority of payment will be attributed in the following order: Member 1. the plan where the member is a part-time employee. the deductible. misrepresentation or falsification of information relating to any claim constitutes fraud. Version: December 2006 Ryder Truck Rental Canada Ltd. the maximums specified in the Summary of Benefits are applied.Dental Plan Benefit You will be reimbursed when you submit proof to Sun Life that you or your covered dependant has incurred any of the eligible expenses for necessary dental services performed by a dentist. Co-ordination of Benefits If you or your covered dependant are covered under another plan and the other plan does not contain a co-ordination of benefits clause. priority goes to the plan where the member is a full-time employee. If the other plan does contain a co-ordination of benefits clause. and 3. 2. Sun Life reserves the right to refuse any assignment of benefits under this provision. the reimbursement percentage is applied. the plan where the member is a retiree. payment under the other plan must be made first. 2. Page 105 . The plan where the person is covered as a member.

Version: December 2006 Ryder Truck Rental Canada Ltd. is paying or has paid your loss of income benefits. before payment will be made under this provision. and is required to compensate you for any of the loss that results from your disability. If Ryder Truck Rental Canada Ltd. The intent of subrogation is to limit your benefit payments to the amount you actually lost. If a dental accident occurs. 6. payment for these expenses must be made under an extended health coverage plan that includes these expenses as eligible expenses. • the plan of the spouse of the parent with custody of the dependent child. the benefits will be prorated in proportion to the amount that would have been paid under each plan had there been coverage by only that plan. the amount of benefit payable under this plan will not exceed the total amount of eligible expenses incurred less the amount paid by the other plan. In that case. if the parents have the same birth date. Following payment under another plan. health plans with dental accident coverage will pay benefits before dental plans. The plan of the parent with the earlier birth date (month/day) in the calendar year. • the plan of the parent with custody of the dependent child.Dependent Child 4. If you or your covered dependant incurs expenses for the services of a dentist for the treatment of accidental injuries to teeth. • the plan of the spouse of the parent not having custody of the dependent child. If priority cannot be established in the above manner. 5. then the following order applies. Page 106 . The plan of the parent whose first name begins with the earlier letter in the alphabet. Let's assume a person is responsible for your disability. Subrogation Subrogation is a legal practice giving Ryder Truck Rental Canada Ltd. you may be receiving more income than you earned before you became disabled. If you receive an amount for future loss of income. that amount will reduce your future loss of income benefits from Ryder Truck Rental Canada Ltd. the right to be reimbursed for benefits paid to you if you have been compensated by another person who is responsible for your loss. you would reimburse Sun Life for the loss of income benefits Sun Life has paid. In situations where parents are separated/divorced. • the plan of the parent not having custody of the dependent child.

reports. commercial laboratory receipts. pre-treatment x-rays. If subrogation applies to your claim. records. study models. Claims A claim must be received by Sun Life within 18 months of the date the expense is incurred. Ryder Truck Rental Canada Inc. • expenses incurred due to civil disorder or war. Laboratory charges are also limited to 66 2/3% of the fee for the procedure in the Dental Fee Guide shown on the Summary of Benefits. There is a time limit for proceedings against Sun Life for payment of a claim. Workplace Safety and Insurance Act or other similar legislation. you must have your dentist prepare a pre-treatment plan.Subrogation also applies to any medical and/or dental expenses you have been paid as a result of an injury caused by another person. if your coverage terminates. Version: December 2006 Ryder Truck Rental Canada Ltd. whether or not war was declared. itemized bills. However. Anaesthesia and laboratory procedure charges must be completed in conjunction with other services and the amount payable will be limited to the reimbursement percentage of the services they are being performed in conjunction with. If your dentist has recommended dental treatment that is expected to cost more than $500. For the assessment of a claim. Exclusions and Limitations No benefit is payable for • expenses for which benefits are payable under a Workers' Compensation Act. you must reimburse Ryder Truck Rental Canada Ltd. Proceedings must be started within 1 year of Sun Life's receipt of the proof of claim. any claim must be received by Sun Life no later than 90 days following the end of the coverage. • expenses incurred due to intentionally self-inflicted injuries. Before agreeing to a settlement of your claim. Once you are compensated by the person who is responsible for your loss. Sun Life will contact you to obtain the information required to proceed. which exceeds 100% of income or expenses. Page 107 .’s approval must be obtained. independent treatment verification or other necessary information may be required. You will be required to sign an undertaking to reimburse Sun Life for any amount recovered. • expenses for which benefits are payable under a government plan.

tests and laboratory examinations: • biopsy of oral tissue.Basic Benefit Eligible Expenses Eligible expenses mean reasonable and customary charges for the following items of expense Procedures a. • extra oral. • interproximal discing. • scaling. institutional call and office visit. • panoramic (once every 24 months). expenses for cosmetic services. • consultation. • minor emergency treatment. Version: December 2006 Ryder Truck Rental Canada Ltd. • treatment planning. • pit and fissure sealant (for persons under 19 years of age). d. c. oral hygiene instruction: Exclusions No benefit is payable for 1. b. • house call. radiographs: • periapical (one complete series every 36 months). • pulp vitality tests. • limited examination. • topical application of fluoride phosphate (once every 6 months).Dental Provision . Page 108 . • recall oral examination (once every 6 months). • sialography. • radiopaque dyes to demonstrate lesions. e. 2. examination and diagnosis: • oral examination. • occlusal. • tomography. preventive services: • dental prophylaxis (once every 6 months). • special oral examination. expenses incurred for the treatment of malocclusion or for orthodontic treatment. • interpretation of radiographs received from another source. • bitewing (twice per year).

Page 109 . stolen or mislaid.3. expenses for replacement of space maintainers which have been lost. for vertical dimension correction or for correction of temporomandibular joint dysfunction. expenses incurred for full mouth reconstructions. 4. expenses incurred under any of the conditions listed on the Dental Provision page as an Exclusion or Limitation. 5. Version: December 2006 Ryder Truck Rental Canada Ltd.

plastic crown. • conscious sedation. • transitional restoration of fractured anterior. • surgical excision. in office laboratory procedures Version: December 2006 Ryder Truck Rental Canada Ltd. • occlusal equilibration (not exceeding 8 time units every year). periodontics: • non surgical services. • emergency procedures. relining and rebasing of dentures g. plastic fillings: • amalgam. endodontics: • pulpotomy. • other endodontic procedures. e. • neuroleptanalgesic. denture repairs f. • periapical services. • steel crown. anaesthesia (if performed in conjunction with oral surgery): • general anaesthesia. • root canal therapy. • frenectomy. • surgical incision. surgical services: • uncomplicated removals. • surgical removals and repositioning. • lacerations. d.Dental Provision .Basic Restorative Benefit Eligible Expenses Eligible expenses mean reasonable and customary charges for the following items of expense – Procedures a. space maintainers: b. c. i. drug injections j. • acrylic or composite resin. Page 110 . h. • fractures. • miscellaneous surgical services. • root planning (not exceeding 8 time units every year).

stolen or mislaid.Exclusions No benefit is payable for 1. Page 111 . expenses for replacement of space maintainers which have been lost. expenses for cosmetic services. 3. 5. expenses incurred for the treatment of malocclusion or for orthodontic treatment. expenses incurred under any of the conditions listed on the Dental Provision page as an Exclusion or Limitation. 2. expenses incurred for full mouth reconstructions. 4. for vertical dimension correction or for correction of temporal mandibular joint dysfunction. Version: December 2006 Ryder Truck Rental Canada Ltd.

Page 112 . • remake partial dentures. • temporomandibular joint x-rays. • porcelain inlay restorations. crowns. onlays: • metal inlay restorations. • other prosthetic services. • adjunctive procedures. major surgery: • alveoplasty.Major Restorative Benefit Eligible Expenses Eligible expenses mean reasonable and customary charges for the following items of expense Procedures a. • porcelain/ceramic inlay restorations • crowns. • hemisection. fixed bridgework: • bridge pontics. g. Version: December 2006 Ryder Truck Rental Canada Ltd. • post treatment evaluation. f. • adjustment to dentures. • retainers. d. b. • dislocations. • recementing crown. repairs and adjustments: • porcelain repairs. periodontics: • surgical services. • post-surgical treatment. • composite inlay restorations. inlays. e.Dental Provision . • excision of tumor. • other restorative services. examinations: • oral examination. • repairs to bridges. • partial dentures. • diagnostic casts. c. partial and complete dentures: • complete dentures.

placed on a tooth not functionally impaired by incisal angle or cuspal damage. expenses for cosmetic services. anaesthesia (if performed in conjunction with oral surgery) • general anaesthesia • neuroleptanalgesic • conscious sedation i. Version: December 2006 Ryder Truck Rental Canada Ltd. in office laboratory procedures Replacement of an existing denture. 5. inlay or onlay which was installed at least 5 years before the replacement. expenses for full mouth reconstructions. expenses for prosthetic devices which are ordered while you or your or covered dependant is covered under this benefit but are installed after termination of this benefit. The addition of teeth to an existing partial denture or bridgework is an eligible expense if the addition is required to replace one or more teeth removed while you or your covered dependant is covered under this benefit. Page 113 . expenses for permanent splinting.h. bridgework. inlays or onlays and addition of teeth to existing dentures or bridgework except as provided under Eligible Expenses. crown. 3. inlay or onlay is an eligible expense if the replacement is required to replace an existing denture. limited to a maximum eligible expense of the value and quality of the original denture. crown. expenses for crowns and onlays. bridgework. expenses for replacement of periodontal appliances or dentures which have been lost. 9. 8. inlay or onlay. 7. Exclusions No benefit is payable for 1. 6. bridgework. 2. 4. crowns. bridgework. expenses for initial dentures and bridgework (including crowns and inlays forming the abutments) to replace a tooth or teeth missing before you or your covered dependant became covered under this benefit or to replace a tooth or teeth congenitally missing. crown. expenses for replacement of dentures. expenses incurred under any of the conditions listed on the Dental Provision page as an Exclusion or Limitation. for vertical dimension correction or for correction of temporomandibular joint dysfunction. stolen or mislaid.

adjustment. expenses incurred under any of the conditions listed on the Dental Provision page as an Exclusion or Limitation. stolen or mislaid. expenses for replacement of orthodontic appliances which have been lost. anaesthesia (if performed in conjunction with oral surgery) • general anaesthesia • neuroleptanalgesic • conscious sedation e. 2. • active appliances for tooth guidance or uncomplicated tooth movement • retention appliances.Dental Provision . Version: December 2006 Ryder Truck Rental Canada Ltd. observation. • repairs. comprehensive treatment: d. expenses incurred for full mouth reconstructions. • observation. appliances to control oral habits: c.Orthodontic Benefit Eligible Expenses Eligible expenses mean reasonable and customary charges for the following items of expense incurred for the treatment of malocclusion or for orthodontic treatment Procedures a. for vertical dimension correction or for correction of temporomandibular joint dysfunction. alterations. adjustment: • oral examination. • hand and wrist radiograph. • diagnostic cast. Page 114 . • cephalometric radiograph. b. in office laboratory procedures Exclusions No benefit is payable for 1. 3. • surgical services. • skull and facial bone survey.

Sun Life will then let you and your dentist know how much the plan will pay and how much you will need to pay on your own. Submit the form to Sun Life for review before any work begins. Page 115 . Simply pick up a dental claim form from your Benefits administrator and ask your dentist to complete Part One of the form.Pre-Treatment Review If you or an eligible family member requires major dental work. you may find our in advance how much of the cost will be covered by this plan. You are encouraged to take advantage of the pre-treatment review process to avoid unpleasant surprises. Version: December 2006 Ryder Truck Rental Canada Ltd.

you will need to know the policy number which is 83444. To submit a claim. For most medical and dental claims. Be sure to keep a copy of the claim form and receipts for your records. More complex claims can take longer. usually within 24 to 48 hours from the time your claim has been processed.How to submit a claim If you have a medical or dental expense that the benefit plan either fully or partially covers. Just click on Direct Deposit at the top of the screen. Mail All eligible expenses can be claimed by mailing your claim submissions. Just follow the easy steps to submit your claim. you can find it on your Sun Life drug card or you can contact Nadia Arnone at 905-812-2370. Just complete the claim form. When your claim has been processed. This means you won’t need to complete a claim form. using your Access ID and password to enter our Plan Member Services Web site. Electronic Submission Many dentists choose to submit claims electronically on behalf of their patients. Upon approval of your first claim. you can download personalized medical and dental forms. enclose the original receipts and mail it to the Sun Life office nearest you. Sign up for direct deposit Direct deposit lets you arrange to have claim payments deposited directly to your bank account. Page 116 . Version: December 2006 Ryder Truck Rental Canada Ltd. If you don’t know what your member ID number is. and your member ID number. It’s easy to sign up for this convenient service on the Plan Member Services site. you will receive a claim statement in the mail. Sun Life can usually process your claim in three to five working days from when they receive it. You can get claim forms from Nadia Arnone or. Internet When you sign up for direct deposit. you can submit claims on our Plan Member Services site. Your payment gets to you faster – deposited directly to your bank account. there are a number of easy ways to submit a claim for reimbursement. we will send you an e-mail to notify you about the status of your claim.

instead of receiving a paper claims statement and a reimbursement cheque in the mail. please make sure to print your claim statements as soon as possible. If you require paper copies for future reference. You can then sign on the Plan Member Services site to view or print the details of your claim. Version: December 2006 Ryder Truck Rental Canada Ltd. You claim details are available for six months. Direct deposit is a fast and easy way to receive reimbursement for your eligible expenses.Once you have signed up. you will receive an e-mail letting you know when your claim has been processed. Page 117 .

Check when you’re eligible for your next pair of eyeglasses. e-mail address and password. Check the balance of your Health Spending Account to help you manage your account. Download personalized medical and dental claim forms – less information for you to complete. Once you have them. Traveling soon? Print a wallet card so you have contact number while you’re away. Page 118 .sunlife. you will need your Access ID and password. Here are some of the things you can do at www. Print a personalized Pay-Direct drug card. Update your personal information on the site. View medical and dental claim information to help you keep track of your claims. You can register online for your Access ID and password.sunlife. Check when you’re eligible for coverage of your next dental exam – book your appointment when you know you’ll be covered.ca/member: • • • • • • • • • Sign up for direct deposit and submit claims for faster claims processing. telephone number.ca/member and sign in. How to sign up for Plan Member Services To access the Sun Life web site. so you know when you are covered to purchase a new pair. go to www.Access to your benefits is easy on the Internet Sun Life’s Plan Member Services site makes it easy to access the benefits information you need and make claims for expenses covered by your plan. such as your address. You will now have access to your benefits on the Internet! Version: December 2006 Ryder Truck Rental Canada Ltd.

Survivor Protection Version: December 2006 Ryder Truck Rental Canada Ltd. Page 119 .

Ryder pays the full cost of this basic coverage. These benefits are paid in addition to the survivor benefits provided by Ryder’s basic and optional life and accident insurance plans. it’s important to make adequate plans for the financial security of our survivors. if earlier Optional Life Insurance and Accidental Death and Dismemberment Insurance Class of Members Benefit Formula Maximum Benefit Version: December 2006 Ryder Truck Rental Canada Ltd.Survivor Protection Introduction For peace of mind. You can build on this foundation by selecting optional life and accident insurance benefits for yourself and your family members. Survivor Protection Summary of Insurance Life Insurance and Accidental Death & Dismemberment: Class of Members Hourly Employees Benefit Formula 1X earnings Maximum Benefit $850. especially those who are partly or entirely dependent on us for support. available through Ryder’s benefit program at competitive group rates.000 Benefit Reduction: Reduces by 50% on 65th birthday. Additional survivor benefits may also be payable from Ryder’s Retirement & Savings Plans and from government plans (Canada/Quebec Pension Plan and the provincial workers’ compensation plan). Termination of Insurance: • Life: -none • Accidental Death and Dismemberment: 70th birthday or retirement. Page 120 . Ryder pays the full cost of the Retirement Plan and makes contributions on your behalf to the other plans. Permanent injury or loss of function due to an accident is another risk that can have serious financial consequences. Ryder lays the foundation for solid financial protection by providing you with basic life and accident insurance.

000 Each child: $10. or the spouse’s 65th birthday. payment will be made to your estate. If no beneficiary has been appointed or if the beneficiary has predeceased you. Optional Dependant Accidental Death & Dismemberment Insurance Spouse: units of $10. or the spouse’s 65th birthday. your Life Insurance only may be continued.000 Termination of Insurance: 65th birthday or retirement. Claims A death claim must be received by Sun Life within 6 years of the date of death.000 $250.000 to maximum $250.000 to maximum $250. Page 121 . if earlier.000 Termination of Insurance: the earlier of the member’s 65th birthday. Basic and Optional Member Life Insurance Provision Benefit The amount of Life and Optional Life benefit (if applicable) will be paid to your beneficiary upon your death.Hourly Employees Units of $10. If you become totally disabled before age 65. when you begin receiving group Long Term Disability payments. retirement. Premiums for the continued insurance will be waived after you have been totally disabled from the same or related causes for six continuous months or.000 Termination of Insurance: the earlier of the member’s 65th birthday. if you are also insured for group Long Term Disability Insurance with Sun Life. The claimant must submit proof of the claim and the right to receive the benefit to Sun Life. retirement.000 Each child: $10. Version: December 2006 Ryder Truck Rental Canada Ltd. Optional Dependant Life Insurance Spouse: units of $10.

Premiums will not be waived if a disability is related to a pre-existing condition and begins within 12 months of you becoming insured. No benefit is payable for any amount of Optional Life Insurance that has been in force for less than 2 years if death is due to suicide while sane or insane. Page 122 Version: December 2006 Ryder Truck Rental Canada Ltd. and this provision continues in force. or $200. There is a time limit for proceedings against Sun Life for payment of a claim. This exclusion does not apply if you. consultation. during the 12 months before you became insured. if the previous policy was replaced by this provision within 31 days of its termination. have been actively working for 3 consecutive months with no absence related to the pre-existing condition. the maximum amount of insurance for which you have been insured under this provision less the total amount of individual insurance still in force on your life which was previously obtained through the Conversion Privilege of this provision.000 (Basic and Optional Life Insurance combined). This exclusion does not apply to a member who was insured for similar coverage under a previous policy issued to this group. • If your insurance terminates while this provision continues in force and you die within 31 days after termination of insurance. Proceedings must be started within 1 year of Sun Life's receipt of the proof of claim. At Termination If your Life Insurance terminates because you are no longer eligible. If you become totally disabled and are not insured for group Long Term Disability Insurance with Sun Life. . you must submit a disability claim along with your claim under the group Long Term Disability Insurance to Sun Life. you must submit a disability claim to Sun Life after you have been totally disabled continuously for 6 months but not beyond 12 months after the date you became totally disabled. you may convert it to an individual policy on your life up to the lesser of • • the amount of the insurance terminated. diagnosis or treatment. after becoming insured.If you become totally disabled and are also insured for group Long Term Disability Insurance with Sun Life. Death Benefit Exclusions A "pre-existing" condition is one for which you received medical attention. the amount of insurance which you could have converted to an individual policy on your life through the Conversion Privilege of this provision will be paid to your beneficiary.

the amount of benefit will be paid to the beneficiary upon the death of your insured spouse. Optional Dependant Life Insurance Provision Benefit The amount of benefit will be paid to you upon the death of your insured dependant. If you convert your Life Insurance. if you have appointed a beneficiary. You must submit proof of claim and the right to receive the benefit to Sun Life. If you become totally disabled. Proceedings must be started within 1 year of Sun Life's receipt of the proof of claim. If you have any questions about this conversion privilege. Death Benefit Exclusions Version: December 2006 Ryder Truck Rental Canada Ltd. you must apply and pay the premium to Sun Life within 31 days after termination of insurance. There is a time limit for proceedings against Sun Life for payment of a claim. you may convert it to an individual policy on your life up to the lesser of • • the amount of the insurance terminated less the amount of insurance in force under a new group policy that replaces this policy. and you have been continuously insured under this provision for the five-year period before the termination of this provision. Claims A claim must be received by Sun Life within 6 years of the date of death.If your Life Insurance terminates because this provision terminates. Page 123 . or 3 times the Year's Maximum Pensionable Earnings as established under the Canada Pension Plan in the year that this provision terminated. For Optional Spouse Life Insurance. your Dependant Life Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived. please contact your plan administrator or the nearest Sun Life office.

Page 124 . Your spouse must apply and pay the premium to Sun Life within 31 days after termination of insurance. shows no sign of life. which your spouse could have converted to an individual policy on his/her life through the Conversion Privilege of this provision. while sane or insane. after complete separation from the mother. Version: December 2006 Ryder Truck Rental Canada Ltd. If your Dependant Life Insurance terminates while this provision continues in force and your spouse dies within 31 days after termination of insurance. will be paid to you. No benefit is payable for any amount of Optional Dependant Life Insurance that has been in force for less than 2 years if death is due to suicide.No benefit is payable for the death of a fetus. which. the amount of insurance. At Termination If your Dependant Life Insurance for your spouse terminates due to the termination of your Member Life Insurance and this provision continues in force. unless the remains legally require a burial. your spouse may convert the amount of the dependant insurance terminated to an individual policy on his/her life.

Sun Life will pay your spouse. The amount of dismemberment benefit will be paid to you. If no beneficiary has been appointed or. Both Feet or Sight of Both Eyes Loss of One Hand and One Foot Loss of One Hand and Sight of One Eye Loss of One Foot and Sight of One Eye Loss of Speech and Hearing Loss of Use of Both Hands or Both Feet Loss of Use of One Hand and One Foot Loss of One Arm or One Leg Loss of Use of One Arm or One Leg Loss of One Hand. Sun Life will pay your estate. Schedule of Losses Loss of Life Hemiplegia Paraplegia Quadriplegia Loss of Both Hands. If a claim is submitted for Education Benefit for Dependant Child. One Foot or Sight of One Eye Loss of Use of One Hand or One Foot Loss of Speech or Hearing Loss of Hearing in One Ear Loss of Thumb and Index Finger of One Hand Loss of Four Fingers of One Hand Loss of All Toes of One Foot 100% 200% 200% 200% 100% 100% 100% 100% 100% 100% 100% 75% 75% 67% 67% 50% 50% 33% 33% 25% Version: December 2006 Ryder Truck Rental Canada Ltd. the amount of benefit is limited to the percentage shown in the Schedule of Losses. Page 125 . If a claim is submitted for Occupational Training for Spouse. if the beneficiary has predeceased you. Sun Life will pay your dependent child. If a claim is submitted for Repatriation. Depending on the loss suffered by you. we will pay your estate.Basic and Optional Member Accidental Death and Dismemberment Insurance Provision Benefit The amount of death benefit will be paid to your beneficiary upon your death.

to train you for active employment in an occupation for which you would not have engaged except for those injuries. Repatriation If you suffer loss of life. The accidental death must occur at a distance of 150 kilometres or more from your place of permanent residence. If you become totally disabled. or clothing expenses. Occupational Training for Spouse If you suffer loss of life. Sun Life will pay the reasonable and customary expenses. provided all of the following conditions are met: • • The accident must occur while you are insured under this provision. No payment will be made for room or board or other ordinary living. for the preparation and transportation of your body from the place of the accident to your place of permanent residence.000. the amount of benefit will be paid. The expenses must be incurred within 2 years of the date of the accident. That loss will be the highest of the losses suffered by you. The expenses must be incurred within 3 years of the date of the accident. When proof is received by Sun Life that you have suffered any of the losses due directly to bodily injury caused solely by an accident.If you suffer more than one of the losses listed above as a result of one accident. travelling. Page 126 .000. Sun Life will pay the reasonable and customary expenses. to enrol your spouse in an accredited occupational training program to qualify him for active employment in an occupation for which he would not otherwise have sufficient qualifications. your Accidental Death and Dismemberment Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived. limited to a maximum of $10. Rehabilitation If you suffer any of the losses.000. Version: December 2006 Ryder Truck Rental Canada Ltd. limited to a maximum of $10. Sun Life will pay the amount of benefit for only one loss. The loss must occur within 365 days of the date of the accident. Sun Life will pay the reasonable and customary expenses. limited to a maximum of $10.

tuition expenses incurred before the date of the accident. your dependent child is enrolled as a full-time student at a post-secondary institution at the time of the accident. A post-secondary institution includes any accredited university. within 365 days of the date of the accident. There is a time limit for proceedings against Sun Life for payment of a claim. A claim for a loss must be received by Sun Life within 3 months of the date of the loss. Sun Life will pay the reasonable and customary tuition expenses to enrol your dependent child as a full-time student at a postsecondary institution provided 1. The maximum amount of benefit payable for each year that your dependent child is enrolled as a full-time student at a post-secondary institution will be the lesser of: 1. 2. travelling. All other claims must be received by Sun Life within 3 months of the date that the expense is incurred. up to 4 consecutive years. The claimant must submit proof of claim and the right to receive the benefit to Sun Life. community college. colleges d'enseignement general et professionnel. your dependent child is a student at the secondary school level and. he enrols as a full-time student at a postsecondary institution. or clothing expenses. 5% of your amount of benefit. or 2. after Sun Life receives proof that your dependent child is enrolled as a full-time student at a post-secondary institution. room or board or other ordinary living. or private college that provides an education above the secondary school level. Claims A death claim must be received by Sun Life within 6 years of the date of death. The amount of benefit will be paid each year. Page 127 . or clothing expenses. Proceedings must be started within 1 year of Sun Life's receipt of the proof of claim.000. or 2. $5. trade school. Education Benefit for Dependent Child If you suffer loss of life.No payment will be made for room or board or other ordinary living. Exclusions Version: December 2006 Ryder Truck Rental Canada Ltd. travelling. No payment will be made for: 1.

Both Feet or Sight of Both Eyes Loss of One Hand and One Foot Loss of One Hand and Sight of One Eye Loss of One Foot and Sight of One Eye Loss of Speech and Hearing Loss of Use of Both Hands or Both Feet Version: December 2006 Ryder Truck Rental Canada Ltd. suicide. Optional Dependant Accidental Death and Dismemberment Insurance Provision Benefit The amount of benefit will be paid to you. 5. or boarding or alighting from an aircraft if. when the injuries were received. 6. or b. 3. civil disorder or war. For Optional Spouse Accidental Death and Dismemberment Insurance. testing. while sane or insane. skywriting. Depending on the loss suffered by your insured dependant. racing. exploration or any other purpose except transportation. 100% 200% 200% 200% 100% 100% 100% 100% 100% 100% Page 128 . 2. seeding. learning to operate or serving as a member of a crew of any aircraft. injuries received while riding in. the amount of benefit payable as a result of your spouse's death will be paid to the beneficiary. or on. you were operating. if you have appointed a beneficiary. Schedule of Losses Loss of Life Hemiplegia Paraplegia Quadriplegia Loss of Both Hands. the aircraft was being used for crop dusting. disease. full-time service in the armed forces of any country. whether or not war was declared. the amount of benefit is limited to the percentage shown in the Schedule of Losses. crop spraying. self-inflicted injuries. a. while sane or insane. 4.No benefit is payable for a loss directly or indirectly due to 1.

Sun Life will pay the amount of benefit for only one loss.Loss of Use of One Hand and One Foot Loss of One Arm or One Leg Loss of Use of One Arm or One Leg Loss of One Hand. A claim for a loss must be received by Sun Life within 3 months of the date of the loss. the amount of benefit will be paid. That loss will be the highest of the losses suffered by your insured dependant. One Foot or Sight of One Eye Loss of Use of One Hand or One Foot Loss of Speech or Hearing Loss of Hearing in One Ear Loss of Thumb and Index Finger of One Hand Loss of Four Fingers of One Hand Loss of All Toes of One Foot 100% 75% 75% 67% 67% 50% 50% 33% 33% 25% If your insured dependant suffers more than one of the losses listed above as a result of one accident. The loss must occur within 365 days of the date of the accident. When proof is received by Sun Life that your insured dependant has suffered any of the losses due directly to bodily injury caused solely by an accident. Claims A death claim must be received by Sun Life within 6 years of the date of death. limited to a maximum of $10. Version: December 2006 Ryder Truck Rental Canada Ltd. No benefit is payable for any loss suffered by an insured dependant if the loss occurs before he reaches the age of 2 years. Page 129 . If you become totally disabled. provided all of the following conditions are met: • • The accident must occur while your dependant is insured under this provision. your Dependant Accidental Death and Dismemberment Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived. All other claims must be received by Sun Life within 3 months of the date that the expense is incurred. Sun Life will pay the reasonable and customary expenses. The claimant must submit proof of claim and the right to receive the benefit to Sun Life. The accidental death must occur at a distance of 150 kilometres or more from your dependant's place of permanent residence. Repatriation If your dependant suffers loss of life. for the preparation and transportation of your dependant's body from the place of the accident to his place of permanent residence.000.

6. crop spraying. 3. 2. Exclusions No benefit is payable for a loss directly or indirectly due to 1. injuries received while riding in. learning to operate or serving as a member of a crew of any aircraft. seeding. or b. disease. suicide. your insured dependant was operating. Version: December 2006 Ryder Truck Rental Canada Ltd. or boarding or alighting from an aircraft if. exploration or any other purpose except transportation. sky-writing. Proceedings must be started within 1 year of Sun Life's receipt of the proof of claim. while sane or insane. racing. when the injuries were received. whether or not war was declared. or on. self-inflicted injuries. testing. 5. a. while sane or insane. 4.There is a time limit for proceedings against Sun Life for payment of a claim. Page 130 . civil disorder or war. the aircraft was being used for crop dusting. full-time service in the armed forces of any country.

Page 131 .Disability Benefits Version: December 2006 Ryder Truck Rental Canada Ltd.

In some circumstances. Version: December 2006 Ryder Truck Rental Canada Ltd. They provide disability benefits for short-term absences due to illness or injury (paid from 1st day accident/hospitalization and from 4th day due to illness) and longer-term absences due to total disability. If you become disabled due to an accident. In this case. You are required to pay the cost of your Long Term Disability coverage so that the benefits will be tax-free if you ever need to make a claim. That’s why it is reassuring to know that Ryder’s income protection plans are there if you ever need them. the benefits provided by Ryder’s plans may be subject to an adjustment. you may also be eligible for benefits under Ryder’s Accidental Death and Dismemberment Plans (see the Survivor Protection section for more details). Page 132 . Ryder pays the full cost of your Short Term Disability coverage. financial assistance may also be available from government plans.Disability Benefits Introduction Loss of income due to illness or injury is a serious financial risk for anyone who works for a living.

however. our Disability Management program seeks to: Support the relationship between the employee and the workplace throughout an absence. through ongoing communication. Assist in the employee’s recovery. Sunlife provides disability management support to Ryder by acting as a third party disability management provider. We want to ensure that if you are hurt on the job or become ill or are in an accident off the job. positive self-image and provide the benefit of the employee’s skill to the workplace by seeking to provide transitional work wherever available. or at least not affect us for very long. Page 133 . we all experience some form of illness or injury. At Ryder. we recognize that both employees and managers need support and resources during these times. Usually this does not interfere with our ability to do the things we normally do. The work that you do for us each day is very important. Sunlife’s role is to assist you. that you are given the best possible care to return you to your former level of health. the employee. by providing access to information and professional support. That’s where Ryder’s Disability Management Program comes in. Ensure appropriate financial support to the employee during an absence. Assist the employee in their effort to return to health. We also want to ensure that we are doing everything we can to accommodate you with a safe return to work. through the disability benefit program. Occasionally. by: Objective validation of the claim Maintaining confidentiality of your medical information Managing return to work strategies and accommodation for an early and safe return to work. Version: December 2006 Ryder Truck Rental Canada Ltd. Sunlife has the resources and expertise to assist Ryder with our Disability Management program.Ryder’s Disability Management Program From time to time. At Ryder. an illness or injury is severe enough to interfere with what we can and cannot do for several days or even weeks.

and being actively involved in return to work plans. and participating in problem solving related to return to work barriers. Version: December 2006 Ryder Truck Rental Canada Ltd. but the need for collaboration and role clarification remains just as important. Page 134 . When there is a health issue.The Key Elements of Ryder’s Disability Management program is: Response that is appropriate for the medical situation. success comes from collaboration and role clarity. All payments are made by Sun Life and will be sent directly to you. If you have questions in regards to your short term disability payment. communication. Supervisor/Manager Support employees’ timely return to work by understanding limitations. Partnership with a provider of professional Disability Management service – Sunlife. so you may contact them. some of the things we do might need to change slightly. Human Resources Provide input into the disability management process by responding to issues that relate to Ryder policy. Sun Life Provide expertise. Problem solving and services to address the issues that may interfere with a successful return to work. Sun Life. Roles in the Disability Management Process Employee Participate fully in the disability management process. Sun Life handles the disability management process. and work. a problem solving structure. seeking to accommodate needs with transitional work. For Long Term disability claims. in particular by seeking appropriate care. then contact Sun Life. allowing communication relevant to the disability management process. is your contact point for all benefits. and coordination of resources that support the employees’ return to health. if you disability claim is approved. our benefit carrier. As in all aspects of work at Ryder.

Ryder will be informed only of your ability or inability to function within your own job duties. You will receive payment for approved disability claims from Sun Life directly. you are required to let your manager know immediately. This form must be received by Sunlife early as possible in order to ensure continuance of your benefit and to initiate planning for your earliest and safe return to work. 8. every day that you are going to be absent. 2. If your absence exceeds. Your manager has the responsibility to contact Joyce Lafleur at 905-8122383 in regards to any absences that are going to exceed 3 days so that Joyce can complete the Employer Statement and notify Sunlife of the pending claim. or you know it will exceed 3 consecutive working days and you did not get sick or injured at work. 3. The fax number at Sunlife is 1-866-209-7215. Your manager is responsible for providing you with the appropriate form. and Employee and Attending Physician Statement. and the expected duration of your absence. 7.Short Term Disability Claims Process Here is the process to follow if you are going to be off of work for more than 3 days due to a non-work related injury or illness: 1. You must complete the Employee portion and have your treating physician/specialist complete the Attending Physician portion of the statement and fax it directly to Sunlife within 24 hours. Your medical diagnosis and treatment plan are kept strictly confidential with Sunlife. 4. Version: December 2006 Ryder Truck Rental Canada Ltd. You are in no way obligated to reveal the nature of your medical condition/diagnosis to your manager or anyone at Ryder. to apply for the benefit. Notify your manager of any absence from work. 6. Communication between you and your immediate manager is required as per Ryder policy while you are absent from the workplace. Page 135 . 5. You will receive notification of your benefit status and expected return to work date.

please contact Sun Life at 1-800-361-6212 Who do I contact if I have a question about my disability benefit payment? If you have a question about your disability benefit payment. please contact Sun Life directly at 1-800-361-6212.Who do I contact if I have a question about my claim? If you have a question about the status of your claim. Page 136 . Version: December 2006 Ryder Truck Rental Canada Ltd.

meets the employee’s personal requirements. Ryder will work with Sun Life to find alternate means for rehabilitation for the employee so that they are able to return to full duties in the future. etc. Every effort will be made to ensure an employee’s current position is available for him/her upon return. occasionally an employee’s previous position will no longer be available or has changed to the point that the employee is no longer able to fulfill the requirements of the position. the employee is expected to return to work.e. based on changes in the business or based on changes to customer requirements. the employee will be provided with notice and any outstanding wages and/or vacation pay. If alternate work within Ryder is not available. there may be instances where Ryder cannot find modified duties at the employee’s home location. every effort will be made to find an alternate position within Ryder meeting the qualifications of the employee.Return to Work Policy (NonOccupational absence) Once the period of total disability has concluded or if the individual is no longer recommended for benefits. or. If that is the case. Version: December 2006 Ryder Truck Rental Canada Ltd. If this occurs. If an employee is only able to return to work on a modified schedule. However. i. every effort will be made to find work that can be completed on a modified schedule meeting his/her restrictions outlined in the modified return to work plan. However. shift schedule. that meets the employee’s restrictions. Page 137 .

Page 138 . Government Disability Benefits Your Ryder disability benefits are coordinated with the following government disability benefits.In Summary… Plan Ryder Disability Benefits Short Term Disability After 1st day of accident/hospitalization or 4th day of Plan illness. plus extra Plan benefits if you have dependent children. if totally disabled. After 26 weeks of disability. Canada/Quebec Pension Pays a monthly disability pension for you. Version: December 2006 Ryder Truck Rental Canada Ltd. Employment Insurance Pays a sickness benefit equal to 55% of your insurable earnings for up to 15 weeks.000 per month. it is a tax-free benefit. The participation in this benefit is automatic and paid for by Ryder. Workers’ Compensation Continues a significant portion of your earnings if you are unable to work due to a work-related injury or disease. and a further 11 weeks from Employment Insurance. Other Ryder Benefit Plans While you are receiving disability benefits under Ryder’s plans: Health & Dental Care You coverage continues for up to 2 ½ years. Due to the fact the employee pays the premiums for this benefit. pays partial weekly earnings for up to 15 weeks by Sun Life. to a maximum benefit of $10. if you wish to maintain your optional hospital or optional dental coverage you must continue to pay your premiums. pays 60% of monthly earnings until age 65. Long Term Disability The participation in this benefit is mandatory and is paid for by the employee.

if eligible. (Group RRSP) Ryder Deferred Profit The accumulated value of your account continues to Sharing Plan (DPSP) earn investment income. Version: December 2006 Ryder Truck Rental Canada Ltd. Ryder Group Registered The accumulated value of your account continues to Retirement Savings Plan earn investment income.Life & Accident Insurance Your coverage continues up to age 65. after six months of disability your premiums for optional insurance are waived. Ryder Retirement & Savings Plans While you are receiving disability benefits under Ryder’s plans: Ryder Retirement Plan Pays a disability pension. Page 139 .

kilometres. up to age 65 ♦ your premiums for optional benefits (except Optional Hospital and Optional Dental) are waived Earnings Explanation of Benefits Calculations – all employees on the hourly benefit Program. Version: December 2006 Ryder Truck Rental Canada Ltd. However. accidental death and dismemberment and short term and long term disability benefit coverage amounts calculated using a base number of hours per week times an hourly rate of pay. the base number of hours per week is 40 hours per week for all material handlers and service employees and 45 hours per week for all drivers. While you are receiving Long Term Disability benefits: ♦ your Health and Dental coverage continues for the first two years of long term disability.) will have benefit coverage for basic life insurance. Now and until future notice. Life and Accident coverage continues. then stops ♦ your Life and Accident coverage continues for the duration of your disability.Ryder Disability Benefits Ryder’s Disability Benefits program includes the following plans: ♦ Short Term Disability Plan ♦ Long Term Disability Plan The following provisions apply to both of these plans (unless otherwise specified). Also. Dental. all of your Health.e. if you need to start your leave earlier than planned due to medical difficulties validated by a medical certificate. Page 140 . Other Benefits While Disabled While you are receiving Short Term Disability benefits. you must continue to make your own premium payments for any optional benefits. Eligible part-time employees will be based on standard scheduled hours per week. by trips. Maternity & Parental Leave Short Term Disability benefits are payable during maternity leave for the health related portion of the leave as determined by a medical certificate. you will be eligible for short-term disability benefits during this period. etc. regardless of the method of remuneration (i.

Leaving the Company Your disability coverage terminates when you leave the Company. Long Term Disability Payments are mandatory. you will be eligible for these benefits provided you meet the usual requirements.If you want to maintain the optional benefits for yourself and any insured family members. due to a health-related reason. you must continue to pay the required premiums during your leave. ♦ Since you pay the premiums for your Long Term Disability coverage. Tax Information ♦ Your Short Term Disability benefits are considered to be taxable income. if you are unable to return to work. However. Version: December 2006 Ryder Truck Rental Canada Ltd. Retirement Your disability coverage terminates at age 65 or your actual retirement date. whichever comes first. Short and Long Term Disability benefits are not payable during parental leave. Page 141 . the benefit payments are not subject to income tax or other deductions if you make a claim. as previously arranged.

Class of Members Hourly Employees Benefit Formula 70% of weekly earnings (up to the EI Maximum)* Maximum Weekly Benefit E. maximum is equal to the current percentage of the maximum insurable earnings in force under the Employment Insurance regulations at the beginning of disability. and 70% of regular weekly earnings.*** Version: December 2006 Ryder Truck Rental Canada Ltd. if shorter. **The E. Page 142 . or. the period before the first day the patient was admitted to a hospital as an in-patient who is hospitalized overnight. Workplace Safety and Insurance Act or other similar legislation’s benefits Total disability or Totally disabled means that. maximum** *The first 15 weeks are payable at 70% of regular weekly earnings. The next 11 weeks are payable at the difference between E. provided through an insurance contract ♦ the Ryder Supplementary Unemployment Benefit (SUB).I. Qualifying Period • • 3 consecutive work days of total disability. or none if total disability is due to an accidental injury caused by an unforeseen event and total disability began within 30 calendar days of the initial injury. up to the EI maximum. provided through an insurance contract These benefits are integrated with your sickness benefit from Employment Insurance (EI) as shown below.I.Short Term Disability Benefits Ryder’s Short Term Disability Plan consists of two types of benefits: ♦ the Short Term Disability benefit. you have a medically determinable mental or physical impairment due to injury or disease which prevents you from performing the regular duties of the occupation in which you participated just before the disability started. The availability of work for the member does not affect the determination of "totally disabled".I. Basic Reductions: QAA benefits and Workers' Compensation.

the right to be reimbursed for benefits paid to you if you have been compensated by another person who is responsible for your loss. or • the date you are no longer entitled to receive regular earnings or benefits under a salary continuance plan or short-term disability income plan. that amount will reduce your future loss of income benefits from Ryder Truck Rental Canada Ltd. In that case. Workplace Safety and Insurance Board or other similar board. you would reimburse Sun Life for the loss of income benefits Sun Life has paid. Workplace Safety and Insurance Act or similar legislation’s benefits are payable. If you receive an amount for future loss of income. the qualifying period will equal the Workers' Compensation.***Where Workers' Compensation. you may be receiving more income than you earned before you became disabled. If you are receiving disability income or retirement income from other sources. The intent of subrogation is to limit your benefit payments to the amount you actually lost. Benefits are payable from the later of: • the end of the qualifying period. is paying or has paid your loss of income benefits. and is required to compensate you for any of the loss that results from your disability. the weekly benefit will be reduced so that the total amount of disability and retirement income receivable by you from all sources does not exceed 100% of your weekly rate of earned income in force on the date you became totally disabled. The weekly benefit is payable concurrently with any disability benefit you are entitled to receive under the Worker’s Compensation Board. Workplace Safety and Insurance Act or similar legislation’s waiting period. If you are absent from active work for more than half of a day because you are totally disabled. If Ryder Truck Rental Canada Ltd. Version: December 2006 Ryder Truck Rental Canada Ltd. the absence is considered one day of disability. Let’s assume a person is responsible for your disability. Benefit Period: 26 weeks Termination Age: 65th birthday or expiration of the Benefit Period. Subrogation Subrogation is a legal practice giving Ryder Truck Rental Canada Ltd. whichever is later Benefit The amount of weekly benefit will be paid to you when proof is received by Sun Life that you are absent from active work because you are totally disabled. Page 143 .

You are not considered totally disabled unless you are under the active and continuous care of a physician whom Sun Life considers to be appropriate to your total disability and you are following the treatment prescribed by the physician for that disability. Ryder Truck Rental Canada Ltd. A maternity leave of absence will begin on the earlier of the agreed leave date or the date of birth of the child. you must reimburse Ryder Truck Rental Canada Ltd. Version: December 2006 Ryder Truck Rental Canada Ltd. If subrogation applies to your claim. You will be required to sign an undertaking to reimburse Sun Life for any amount recovered.Subrogation also applies to any medical and/or dental expenses you have been paid as a result of an injury caused by another person. No benefit is payable for loss of income due to elective cosmetic or experimental surgery unless the surgery or treatment is for accidental injuries or unless the surgery is medically necessary as determined by the provincial medicare plan in the province where you reside. Exclusions and Limitations No benefit is payable for • a disability due to intentionally self-inflicted injuries. Before agreeing to a settlement of your claim. At Termination If this Weekly Indemnity provision terminates while you are totally disabled.’s approval must be obtained. you will continue to be eligible for this benefit as if it were still in force. which exceeds 100% of income or expenses. You are not considered totally disabled due to the use of drugs or alcohol unless you are being actively supervised by and receiving continuous treatment for that disability from a rehabilitation centre. • a disability due to civil disorder or war. whether or not war was declared. Once you are compensated by the person who is responsible for your loss. a physician or an institution provincially designated for that treatment. Page 144 . Sun Life will contact you to obtain the information required to proceed. No benefit is payable during any leave of absence mutually agreed upon by you and your employer.

After you have received the STD benefit for 15 weeks. Cost Ryder pays the full cost of the STD and SUB benefit premiums. you must be actively supervised by and be receiving continuous treatment for that disability from a rehabilitation centre. Page 145 . Proof of Disability You must be under the regular care of a physician at all times and you must be following the treatment prescribed by your physician. up to the EI maximum. You and Ryder both contribute to Employment Insurance. You may also be required to undergo a medical examination by a physician designated by the insurance company. up to the EI maximum insurable earnings. Medical evidence must be provided on request and renewed periodically. Employment Insurance (EI) sickness benefit Ryder Supplementary Unemployment Benefit (SUB) Plan The difference between the EI benefit and 70% of your regular weekly earnings*. a physician or an institution provincially registered for that treatment. 55% of your EI insurable earnings. For psychological disorders. Amount of Benefit 70% of your regular weekly earnings*. you must be under the active and continuous care of a psychiatrist or registered psychologist and be following the treatment prescribed for that disability. Version: December 2006 Ryder Truck Rental Canada Ltd. this takes effect for up to 11 weeks. up to the EI maximum. the EI sickness benefit comes into effect for up to 11 weeks. For drug and alcohol disability. you may qualify for the Long Term Disability benefit.Your Ryder disability benefits during this period will come from the following sources: Benefit Ryder Short Term Disability insurance benefit Payable From 1st day accident or hospitalization or from the 4th working day you are absent due to illness for up to 15 weeks. After you have received the STD benefit for 15 weeks. Please note: After 26 weeks of disability.

In any event. Version: December 2006 Ryder Truck Rental Canada Ltd. claims must be submitted no later than 3 months after you become disabled. your second period of disability will be considered a continuation of the first period if you have been back at work for less than 90 days. These benefits are not payable after your death. Claims To qualify for payment. a disability will be considered to be a new claim if it results from an injury or sickness. which is entirely unrelated to the cause of the previous disability. but an existing claim will be paid for the remainder of the benefit period.Income from Other Sources Your Short Term Disability benefits will be reduced by any income replacement benefit you are eligible to receive from the Quebec Automobile Insurance Act or any provincial workers’ compensation Plan. The sources considered for this purpose include: ♦ income replacement payments from any automobile insurance plan ♦ disability benefits payable under the Canada/Quebec Pension Plan ♦ a disability pension from the Ryder Retirement Plan Recurring Disability If you have been receiving Short Term Disability benefits and you return to work. any subsequent disability will be considered as a new claim. Termination of Benefits Your Ryder Short Term Disability benefits will stop after 26 weeks of payments or earlier. 100% Rule: Your Short Term Disability benefits will also be reduced so that your combined income from all sources. After 90 days. if: ♦ you are no longer disabled or are working elsewhere for remuneration or profit ♦ you do not submit proof of continued disability or submit to a medical examination by a physician designated by the insurance company or Ryder When you reach age 65 these benefits stop. including those described above. does not exceed 100% of your earnings at the time you became disabled. Page 146 . and then become disabled again.

A medical examination by an independent physician appointed by Sun Life. Page 147 . Proof that the member continues to be totally disabled. Version: December 2006 Ryder Truck Rental Canada Ltd.Sun Life may require: 1. There is a time limit for appeals in regards to the payment of a claim. 2. Proof of claim is at the claimant’s expense. An appeal must be started within one year of Sun Life’s receipt of the application for claim. Other information Sun Life considers necessary for the assessment of a claim. and 3.

a retirement income plan providing income that becomes payable after you are no longer actively at work. your monthly disability benefit is not subject to income tax. b. below: 1. e. excluding benefits for dependent children. c. another group insurance policy. an automobile insurance policy. less any disability and retirement income you receive from: a. the Workers’ Compensation Act. 85% of your gross monthly earnings in force on the date you became totally disabled if the benefit is subject to income tax. Definition of “Totally Disabled” For Long Term Disability benefits.Long Term Disability Benefits Class of Members Hourly Employees Benefit Formula 60% of monthly earnings Maximum Monthly Benefit $10. or your net monthly earnings if the benefit is not subject to income tax.000 Monthly Disability Benefit Your monthly disability benefit is the lesser of 1. excluding benefits for dependent children. it means you are totally and continuously disabled due to illness or an off-the-job injury and. the Canada/Quebec Pension Plan or a similar pension plan. d. the Canada/Quebec Pension Plan or a similar pension plan. 2. the Workers’ Compensation Act. as a result. are unable to perform the regular duties or your normal occupation. If your employer pays any portion of the Long Term Disability premium. If you pay 100% of the Long Term Disability premium. Workplace Safety and Insurance Act or other similar legislation. and 2. your monthly disability benefit is subject to income tax. Workplace Safety and Insurance Act or other similar legislation. “totally disabled” is defined as follows: ♦ during the 26-week qualifying period and the next two years. and − that provides at least as much income as your long term disability benefit (adjusted for increases in the cost of living) Version: December 2006 Ryder Truck Rental Canada Ltd. Page 148 . ♦ after this time. b. limited to the maximum monthly benefit. less any disability and retirement income you receive from: a. the benefit formula applied to your gross monthly earnings. you will be considered totally disabled if you are unable to perform the duties of any occupation: − for which you have at least the minimum qualifications.

Qualifying Period: later of 26 weeks or expiration of Weekly Indemnity and EI benefit payment periods. Now and until future notice. Benefits continue as long as you continue to qualify.Your condition must be a mental or physical impairment that can be medically assessed. Page 149 . you will be eligible for Long Term Disability benefits. you must be actively supervised by and be receiving continuous treatment for that disability from a rehabilitation centre. For psychological disorders. Benefit Period: 5 years but not beyond the Termination of Insurance Termination of Insurance: 65th birthday Benefit If you are totally disabled after your Short Term Disability benefits expire. a physician or an institution provincially registered for that treatment. You may also be required to undergo a medical examination by a physician designated by the insurance company. the base number of hours per week is 40 hours per week for all material handlers and service employees and 45 hours per week for all drivers. Eligible part-time employees will be based on standard scheduled hours per week.) will have benefit coverage for basic life insurance. kilometres. accidental death and dismemberment and short term and long term disability benefit coverage amounts calculated using a base number of hours per week times an hourly rate of pay. Proof of Total Disability You must be under the regular care of a physician at all times and you must be following the treatment prescribed by your physician. For drug and alcohol disability. by trips. Cost You pay the cost of this insurance (for a tax-free benefit). you must be under the active and continuous care of a Version: December 2006 Ryder Truck Rental Canada Ltd. *Earnings Explanation of Benefits Calculations – all employees on the hourly benefit program.e. until age 65 or earlier recovery. Medical evidence must be provided on request and renewed periodically. etc. These benefits start after you have been disabled for 26 weeks (the “qualifying period”). regardless of the method of remuneration (i.

does not exceed 100% of your earnings at the time you became disabled. If you enrol in a rehabilitation program approved by the insurance company. Version: December 2006 Ryder Truck Rental Canada Ltd. the insurance company will assist you through a rehabilitation program designed to help you return to your own job or other suitable work. Disabilities Not Covered Long Term Disability benefits are not payable for disabilities due to: ♦ intentionally self-inflicted injuries ♦ civil disorder or war (declared or undeclared) If you become disabled due to a condition for which you received medical attention during the 12-month period before you became injured. this restriction is removed after you have been insured for at least 12 months. Income from Other Sources When you are disabled you may be eligible to receive disability benefits from other sources. If this happens. This restriction is removed if you work three consecutive months with no absence related to the condition for which you received medical attention. including those described above.psychiatrist or registered psychologist and be following the treatment prescribed for that disability. Page 150 . If necessary. you will not be eligible for Long Term Eligibility benefits. your Long Term Disability benefits will be reduced by any of the following benefits: ♦ disability benefits payable under the Canada/Quebec Pension Plan on your behalf (this does not include any benefits payable on behalf of your dependents or future cost-of-living adjustments) ♦ benefits payable under any provincial workers’ compensation plan 85% Rule: Your Long Term Disability benefit will also be reduced so that your combined income from all sources. Rehabilitation Where appropriate. you may continue to receive Long Term Disability benefits. including your rehabilitative earnings. In any case. your benefit will also be reduced so that your combined income from all sources. does not exceed 85% of your net earnings at the time you became disabled.

which is entirely unrelated to the cause of the previous disability. any subsequent disability will be considered as a new claim. Joyce can be reached at 905-812-2383. a disability will be considered to be a new claim if it results from an injury or sickness. Claims If you are likely to be off work for more than 26 weeks. Version: December 2006 Ryder Truck Rental Canada Ltd. Page 151 .Recurring Disability If you have been receiving Long Term Disability benefits and you return to work. Termination of Benefits Your Long Term Disability benefits will stop after the earlier of the following events: ♦ you are no longer disabled or are working elsewhere for remuneration or profit ♦ you do not submit proof of continued disability or submit to a medical examination by a physician designated by the insurer ♦ you do not participate in an approved rehabilitation program or vocational assessment ♦ you reach age 65 These benefits are not payable after your death. After 6 months. you should submit a Long Term Disability claim as soon as possible. claims must be submitted no later than 3 months after the end of the 26-week qualifying period. and then become disabled again. To qualify for payment. Claim forms are available from your manager or Joyce Lafleur. In any event. your second period of disability will be considered a continuation of the first period if you have been back at work for less than 6 months.

Page 152 . Employment Insurance Employment Insurance pays sickness benefits equal to 55% of your insurable earnings for up to 15 weeks. Version: December 2006 Ryder Truck Rental Canada Ltd.Government Benefits In addition to your coverage under Ryder’s benefit program. you should apply for workers’ compensation benefits immediately. you may qualify for disability benefits from the following government sponsored plans. As described earlier. the C/QPP may provide monthly income for you plus additional monthly income for each of your eligible dependent children. If you are likely to be disabled for longer than four months. you should apply for these benefits as soon as possible. There is a limit on retroactive payments if you apply late. these benefits are taken into consideration when determining your benefits under the Short and Long Term Disability Plans. The monthly benefit is equal to a substantial portion of your regular earnings. C/QPP benefits are payable from the fourth month after you are considered to have become disabled. If you suffer a work-related injury or illness. Workers’ Compensation Your provincial workers’ compensation plan provides you with monthly income if you are temporarily or permanently disabled as a result of a work-related injury or illness. Canada/Quebec Pension Plan If you are considered to be disabled according to the plan for a minimum period of time. For more information on these government programs. consult the appropriate government office (their telephone numbers can be found in the blue pages in your telephone directory).

Retirement & Savings Plan Benefits Version: December 2006 Ryder Truck Rental Canada Ltd. Page 153 .

the terms of the plans will prevail. Ryder sponsors three plans to help build up the resources you will need to enjoy your retirement years. Two of these plans. Ryder cannot offer any advice on this important matter. contractual or legal rights. regulatory requirements or otherwise. While Ryder will attempt to keep this chapter up todate. It cannot be relied upon to interpret or vary the plan documents. are paid for entirely by Ryder. Version: December 2006 Ryder Truck Rental Canada Ltd. It can be a time to do more of the things we enjoy. it is important to have a reasonable level of financial security. The third is a Group Registered Retirement Savings Plan funded by your own voluntary contributions. along with Old Age Security. This introduction contains general information about Ryder’s Retirement and Savings Plans.Retirement and Savings Plan Benefits Introduction{ TC \l "1"} Retirement is a life event that people not only expect. It does not confer or offer any employment. The purpose of this chapter of the handbook is to explain the Ryder Retirement and Savings Plans in everyday language. If you would like additional information respecting the Ryder Retirement and Savings Plans. The following information regarding Ryder’s Retirement Plan. discover new interests and try new pursuits. If there is any inconsistency between the information contained in this chapter and the terms of the plans. These Retirement and Savings Plans are a major component of the comprehensive benefit program provided to you as a Ryder employee. The Ryder Retirement Plan is designed to mesh with the Canada/Quebec Pension Plan. changes to the plans and corresponding changes to the handbook will inevitably be required from time to time as a result of changes to applicable laws. please contact your Plan Administrator. Each person’s financial circumstances and goals are different. This chapter outlines the main provisions of the plans but does not add to the plans. For a productive and rewarding retirement. provides another significant source of retirement income. Deferred Profit Sharing Plan and Group Registered Retirement Savings Plan is not intended to give you advice on how much to contribute to these plans or how to invest contributions made to these plans. This plan. It is followed by detailed descriptions of each plan. the Ryder Retirement Plan and the Ryder Deferred Profit Sharing Plan. You may wish to consult with a qualified investment advisor before making your decisions. Page 154 . but can actually look forward to. to which Ryder also contributes.

.In summary… { TC \l "1"} Fun ded By Retirement Savings Plan Ryder’s Plans Ryder Retirement Plan:Pension Account Benefits Participation provides a life-time monthly income based on your service and career earnings Optional. provided you have also earned at least 35% of YMPE or worked at least 700 hours in each of two consecutive years (part-time and temporary employees) Page 155 Version: December 2006 Ryder Truck Rental Canada Ltd. anytime after you Ryder complete 2 years of continuous service (full-time employees). any time after date of hire (full-time employees and part-time or temporary employees who work at least 30 hours per week) you Retirement Account accumulates a lump sum amount used to buy an annuity Ryder Group Registered Retirement Savings Plan (Group RRSP) Ryder Deferred Profit Sharing Plan (DPSP) you may use your accumulated savings to provide a life-time retirement income when you contribute to the Group RRSP. Ryder makes matching contributions to the DPSP up to certain limits Eligible on the January 1 or Ryder July 1 on or after you complete 2 years of continuous service (full-time employees). anytime after you Ryder complete 2 years of continuous service (full-time employees). provided you have also earned at least 35% of YMPE or worked at least 700 hours in each of two consecutive years (part-time and temporary employees)* Optional. provided you have also earned at least 35% of YMPE or worked at least 700 hours in each of two consecutive years (part-time and temporary employees)* Optional.

may start as early as age 60 provides a life-time monthly pension starting at age 65. Page 156 . subject to a claw back for high income individuals Automatic Ryder and you Automatic general taxes * or such earlier date as set out under the plan or as may be required by applicable pension laws Version: December 2006 Ryder Truck Rental Canada Ltd.Government–Sponsored Plans Canada/Quebec Pension Plan (C/QPP) Old Age Security (OAS) provides a life-time monthly pension.

Government Registration{ TC } The Retirement Plan for Employees of Ryder Truck Rental Canada Ltd. Please contact your Plan Administrator if you wish to review or change your beneficiary designation. the Group Registered Retirement Savings Plan and the defined contribution component of the Ryder Retirement Plan can also be viewed through the Internet. Information on your account in the Deferred Profit Sharing Plan. unless a waiver of such benefits has been made in accordance with applicable laws where permitted. Page 157 . You will also receive regular statements showing the status of your account in the Group Registered Retirement Savings Plan. The plan is administered by Version: December 2006 Ryder Truck Rental Canada Ltd. you may name anyone you choose as your beneficiary for any benefits payable from the Ryder retirement plans on your death and you may change your beneficiary at any time by providing Ryder with the necessary information in writing in a form acceptable to Ryder. Naming Your Beneficiary{ TC } Subject to any applicable provincial law.0531491. death benefits are automatically payable to your surviving spouse or same-sex partner. is registered under the Pension Benefits Act (Ontario) and with the Canada Revenue Agency under Registration No. Under the Retirement Plan. if you have one. If you do not name a beneficiary. Regular Statements and Information{ TC } Each year you will receive regular statements showing your current benefits under the Ryder Retirement Plan and the Deferred Profit Sharing Plan.General Information – Ryder Plans{ TC } The following provisions apply to the: Ryder Retirement Plan Ryder Group Registered Retirement Savings Plan (Group RRSP) Ryder Deferred Profit Sharing Plan (DPSP) Eligible Employees{ TC } The benefits outlined in this chapter apply to all permanent full-time and eligible part-time and temporary employees. Please contact your Benefits Administrator to determine how to access information on your accounts through the Internet. You should contact the Payroll Department to obtain copies of the relevant forms. such statements will be provided to you semi-annually. the benefit(s) will be paid to your estate. Currently.

Ryder in accordance with applicable pension legislation. 206-045. 0678565. is registered with the Canada Revenue Agency under Registration No. Page 158 . The Group Registered Retirement Savings Plan specimen plan is registered with the Canada Revenue Agency under Registration No. The plan has a fiscal year ending December 31. Inc. The Deferred Profit Sharing Plan for Canadian Employees of Designated Subsidiaries and Affiliates of Ryder System. Version: December 2006 Ryder Truck Rental Canada Ltd.

Ryder Retirement Plan
{ TC }

Benefits
The Retirement Plan for Employees of Ryder Truck Rental Canada Ltd. (the “Ryder Retirement Plan”) combines the two main types of pension benefits (defined benefit and defined contribution) so you can share in the advantages each one has to offer. These benefits are provided through a Pension Account and a Retirement Account, as described in detail later in this section under “Retirement Benefits”.

Fees and Expenses
All fees and expenses incurred in respect of the Ryder Retirement Plan shall be paid from the assets of the plan unless otherwise paid by Ryder in its sole discretion. Fees and expenses incurred in relation to a specific member account shall be paid from that member account unless otherwise paid by Ryder in its sole discretion.

Eligibility
As a full-time employee, you may join the Ryder Retirement Plan on the first day of the month that falls on or after the date on which you complete two years of continuous service* (or at an earlier date, if set out under the plan or as required by applicable pension laws). If you are a part-time or temporary employee, you may join the Ryder Retirement Plan on the first day of the month that falls on or after the date on which you complete two years of continuous service; provided that, in each of two consecutive calendar years, you had either: earned at least 35% of the Year’s Maximum Pensionable Earnings (YMPE*) as defined under the Canada/Quebec Pension Plan or worked at least 700 hours (or at an earlier date, if set out under the plan or as required by applicable pension laws). “Continuous Service”, “YMPE” and other key terms are defined later in this section. If you are a pensioner who is receiving monthly retirement income from the Ryder Retirement Plan and you are re-hired, you will not be eligible to rejoin the Ryder Retirement Plan, but will continue to receive your monthly retirement income. If you are a former employee who used to be a member and you are re-hired, you will be eligible to re-join the Ryder Retirement Plan when you meet the usual eligibility requirements.
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Funding
The employer contributions to the Ryder Retirement Plan in respect of your Pension Account benefits (under the defined benefit component of the plan) are determined based on the advice of an actuary. The employer contributions in respect of your Retirement Account benefits (under the defined contribution component of the plan) are determined based on the contribution formula under the plan, as described later in this section under “Retirement Account”. The Ryder Retirement Plan documents provide that any surplus under the plan may be used to reduce employer contributions or may be returned to Ryder, subject to approval by regulatory authorities and to the extent allowed under applicable legislation. If the plan is ever terminated, any surplus remaining after all plan liabilities have been satisfied will be returned to the employers, subject to approval by regulatory authorities. In addition, if the assets of the plan on termination are insufficient to meet the liabilities of the plan, pension benefits could be reduced. Members are not required or permitted to contribute to the Ryder Retirement Plan.

Tax Features
Employer contributions to the Ryder Retirement Plan on your behalf do not result in a taxable benefit to you. However, amounts paid from the plan upon retirement, termination of employment or death are subject to income tax unless they qualify for a tax-deferred rollover to another retirement plan under the Income Tax Act (Canada). Both the amount of the annual pension credit you earned in the Pension Account in the previous year and the employer contributions made on your behalf to the Retirement Account in the current year will reduce your allowable RRSP contribution room for the current year. For more details, please refer to the “Pension Adjustment” paragraph in the “Group Registered Retirement Savings Plan” section below.

The Pension Fund
The assets of the defined benefit component of the Ryder Retirement Plan are held by a financial institution. The assets of the defined contribution component are held in individual accounts by a life insurance company under the terms of an insurance contract.

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Investment of the Defined Benefit Component (the Pension Account)
The assets of the defined benefit component of the Ryder Retirement Plan are invested in accordance with applicable legislation and with the following investment objective: to meet the defined benefit component’s obligations by maximizing long-term returns, taking into account Ryder’s risk tolerance, the long-term nature of the obligations and the financial position of the plan.

Investment of the Defined Contribution Component (the Retirement Account)
You determine how the assets in your Retirement Account will be invested from among the wide choice of investment options selected by the administrator. Excellent tools are available to help you decide the portfolio mix that is right for you. The decision as to which investments to select is up to you. It will depend on your personal financial situation, risk tolerance and investment goals. You are encouraged to seek your own independent investment advice in order to help you make your investment decisions. You may change your investment options for future contributions at any time. You may also transfer past contributions from one fund to another at any time. If you move money from a GIC before the maturity date, a market value adjustment may reduce the amount of interest paid. There is no fee for inter-fund transfers made via the internet or telephone, regardless of the number of such transfers. If you make more than four inter-fund transfers in a year by paper (not by internet or telephone) there will be a fee charged for each additional paper inter-fund transfer (in excess of four) which will be deducted from your account. The current fee in this regard is $25. This amount is subject to change. The administrator reserves the right, under exceptional circumstances, to impose restrictions on maximum fund withdrawal or transfer amounts where the withdrawal or transfer may risk the integrity of the fund.

Foreign Property Limits
It is your responsibility to ensure that the investments in your Retirement Account which are considered “foreign property” for purposes of the Income Tax Act (Canada) do not exceed the limits set out under the Income Tax Act (Canada). Any penalties that are assessed as a result of your Retirement Account exceeding these limits will be deducted from your Retirement Account. If you would like more information about the foreign property limits, please call 1-800-463-6361 (toll-free).

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Retirement Date
Your normal retirement date under the Ryder Retirement Plan is the first day of the month coinciding with or immediately following your 65th birthday. You may retire under the plan on a reduced pension on the first day of any month on or after age 55 provided you have vested rights. For more details on vested rights, please see the section in this chapter on “Leaving the Company”. If you continue to work for Ryder after your normal retirement date, you may postpone your retirement until the first day of any month following your normal retirement date. However, payment of your pension must commence no later than the first day of December in the calendar year in which you attain age 69.

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the YMPE was $40. The YMPE is increased each year to reflect increases in the Average Industrial Wage. the YMPE is $41. Version: December 2006 Ryder Truck Rental Canada Ltd. Plan membership includes certain periods of disability and authorized leaves of absence as described later in this section. This is the maximum amount of your annual earnings on which you make contributions to the C/QPP. Plan Membership: The total number of years and months of service while you were a member of the Ryder Retirement Plan and for which you earn benefits under the Pension Account or contributions are made on your behalf under the Retirement Account. Continuous service includes certain periods of disability and authorized leaves of absence. overtime pay. Earnings: Your earnings for pension purposes include your base pay. commissions. “YMPE”: Your Pension Account benefit takes into consideration the Year’s Maximum Pensionable Earnings (YMPE) as defined under the Canada/Quebec Pension Plan (C/QPP). bonus and holiday pay. or with another company acquired by Ryder or that participates in the plan.500. For 2004.Terms Used to Determine Your Benefit Continuous Service: Your uninterrupted service with Ryder. For 2005. from the date you commenced such service.100. Page 163 . For periods of credited service in which you have no earnings. your earnings rate immediately prior to the interruption will be used for pension purposes if your absence meets the requirements for pension accrual. but exclude special compensation such as stock options. car allowances and moving expenses.

which are notionally credited to your Pension Account. Your normal retirement benefit will be paid monthly. (i) defined benefits.5% of your Earnings above the YMPE For years of Plan Membership before January 1. in an amount equal to 1/12 of the total annual benefit credits in your Pension Account as calculated above. However. At retirement. 1997. nor are contributions made to your Pension Account per se. including. which accumulate in your Retirement Account: Pension Account The Pension Account is a notional account under the defined benefit component of the plan that provides a lifetime pension benefit based on your years of Plan Membership and your earnings in each year of such Plan Membership. all according to the terms of the plan. Version: December 2006 Ryder Truck Rental Canada Ltd. A Pension Account is set up in your name. Page 164 . the assets relating to the defined benefit component accumulate and are held in the Pension Fund for purposes of the plan. Pension Account Formula For each year of Plan Membership on or after January 1.Retirement Benefits The Ryder Retirement Plan provides two kinds of pension benefits. without limitation. and (ii) defined contribution benefits. the total “credits” in your Pension Account represent the annual income you will receive if you retire at age 65. notional “credits” are added to your Pension Account.1 % of your Earnings up to the YMPE plus 1. Rather. Your total Pension Account benefit may be limited by the maximum limits imposed by the Income Tax Act (Canada). It is important to note that your Pension Account does not contain assets per se. you will receive a Pension Account credit for an amount of annual pension equal to: 1. you will receive a credit based on the formula in effect at the time. 1997. the payment of expenses and to provide benefits for all entitled plan beneficiaries. This kind of pension is referred to as a “defined benefit” pension. each year throughout your career.

please see the section in this chapter on “Payment of Your Retirement Account Benefit”. under “Investment of the Defined Contribution Component”. the balance in your Retirement Account will be used to provide you with a lifetime retirement income. These contributions are then invested as described above. At retirement. Retirement Account Formula For each year of Plan Membership.0% of your Earnings. your Retirement Account will be allocated contributions equal to 1. contributions are allocated to your Retirement Account. Version: December 2006 Ryder Truck Rental Canada Ltd. as applicable.Retirement Account Your Retirement Account benefit reflects the investment performance of the investments selected by you. with investment returns based on the performance of the assets in which you have invested your Retirement Account. The Retirement Account provides a lump sum benefit at retirement. Page 165 . In addition. This kind of pension is referred to as a “defined contribution” pension. to be used to provide you with a lifetime monthly income. until you retire. your Retirement Account will be credited or debited. based on your Earnings that year. For more details. Each year. through a transfer of your Retirement Account balance to a locked-in retirement vehicle or through the purchase of an annuity.

000 . Page 166 .40 $2. EXAMPLE (Assuming earnings in 2003 of $45.900) Total Annual Benefit Credit $438.000) A) PENSION ACCOUNT ANNUAL BENEFIT CREDIT 1.00 $5.00 Monthly Benefits $42.00 $10.00 $9. the retirement savings in his/her Retirement Account would increase as follows: Years of Participation 1 5 10 20 30 Total Retirement Account Balance* $450.0 If this individual’s earnings continued at the same rate.75 $429.00 $1.500.The following example shows how these two types of benefits work.1% x $39.154.500.00 $15.900 (2003 YMPE) Plus 1.250.95 $214. the retirement benefit in his/her Pension Account would increase as follows: Years of Participation 1 5 10 20 30 B) Total Annual Benefit Credits $515.00 Version: December 2006 Ryder Truck Rental Canada Ltd.5% x $5.000.$39.50 $515.50 RETIREMENT ACCOUNT ANNUAL ALLOCATION: 1% x $45.100 ($45.40 If this individual’s earnings continued at the same rate with no change in YMPE.577.00 $2.000 = $450.288.00 $4.50 $859.308.00 $13.462.90 $ 76.

Note: Special conditions apply under certain pension laws. you will continue to earn benefits under this plan until your actual retirement date. The reduction reflects the fact that the annuity that you may purchase with your Pension Account benefit at early retirement is expected to be paid over a longer period.16% 75% 70. Benefits on Early Retirement If you choose to retire early. EARLY RETIREMENT SCHEDULE: Pension Account Benefit Reduction Based on Retirement Age Retire at age 55 or later with 10 or more years of Continuous Service 100% 100% 100% 100% 91.67% 62.50% Leave the Company with less than 10 years of Continuous Service 100% 93% 86% 79% 72% 65% 58% 51% 44% 37% 30% Retirement Age 65 64 63 62 61 60 59 58 57 56 55 Benefits on Postponed Retirement If you continue to work for Ryder or another company that participates in the plan after your normal retirement date. Page 167 . The amount of annuity that you may purchase with your Retirement Account benefit at postponed retirement will reflect the shorter period over which your annuity is expected to be paid. Version: December 2006 Ryder Truck Rental Canada Ltd. However.* Adjusted for investment returns based on the performance of the defined contribution investments selected by this individual. Not a guarantee of any particular level of investment return. Actual returns may vary.84% 66. your actual retirement date cannot be later than December 1 of the year in which you attain age 69.74% 79. the amount of your Pension Account benefit will be reduced based on the age at which you retire and your years of service with Ryder as shown on the Early Retirement Schedule (see below).66% 83.

After you begin to receive government benefits. your designated beneficiary will receive the same monthly benefit for the remainder of the 10 years. Joint and Contingent Options . Page 168 .A monthly income payable to you during your lifetime. of your reduced pension will be paid to your spouse or same-sex partner for his/her remaining lifetime. after your death. your monthly income is reduced. or such other amount as required under applicable legislation. your total Version: December 2006 Ryder Truck Rental Canada Ltd.Payment of Benefits Payment of Your Pension Account Benefit Normal Form (no spouse or same-sex partner): The normal form of payment if you do not have a spouse or same-sex partner is a monthly pension paid for your lifetime equal to 1/12 of the total annual benefit credit in your Pension Account. Normal Form (with spouse or same-sex partner): The normal form of payment if you do have a spouse or same-sex partner when you retire is a lifetime pension determined as above. 60%. 66%. with 60%.an increased monthly income payable to you until the date you are expected to begin to receive benefits from government-sponsored retirement plans.a monthly income payable to you during your lifetime and guaranteed for 10 years. you may waive the spousal or samesex partner benefit by signing the applicable waiver form where permitted by applicable legislation. Your monthly income will be adjusted to reflect the payment to your surviving contingent beneficiary following your death. You may then choose one of the forms of pension payment listed under Optional Forms. Level Income Option . 75% or 100% (depending on the percentage you choose) of your monthly income continuing to your surviving designated beneficiary for life. This option may apply to beneficiaries other than your spouse or same-sex partner. but reduced to include the following spousal or same-sex partner benefit: if you should die first. Your retirement benefit will be adjusted to take into account the 10-year guarantee if you elect this option. at which time the benefit will cease. This way. below: Optional Forms*: The following options may be elected in lieu of the normal form (with a signed waiver. where applicable): 10 Years Certain and Life . If you and your spouse or same-sex partner wish. In the event of your death during the 10-year period. If you have a spouse or same-sex partner your retirement benefit includes a surviving spouse’s or same-sex partner’s pension.

This option is available only to active participants who are eligible for and request early retirement with immediate benefits upon termination. the form of pension and the annuity rates available when you retire. The disability pension will start after you have been totally disabled for at least 6 months and after the plan administrator has received supporting medical evidence. You may then choose another form of annuity payment. the annuity contract must include the spousal or samesex partner benefit described under “Normal Form” above. If you have a spouse or same-sex partner and you elect to purchase a life annuity. you will continue to earn Pension Account and Retirement Account credits under this plan during any maternity and parental leave. * Other options for payment may be permitted under applicable pension legislation. During this period. subject to any time limit under applicable legislation. should be about the same.income each month. Maternity and Parental Leave Where required by provincial law. as defined in the plan and in receipt of the C/QPP disability benefit. If you and your spouse or same-sex partner wish. Payment of Your Retirement Account Benefit On retirement. If you elect to purchase an annuity. Disability Benefit If you are totally and permanently disabled. the balance in your Retirement Account must be transferred to a personal locked-in retirement vehicle (such as a Locked-in Retirement Account) or to a new employer’s plan (if that plan accepts such transfers) or be used to purchase a life annuity. Page 169 . you will receive a disability pension from the Ryder Retirement Plan provided you are age 45 and have 15 years of continuous service. you may waive the spousal or same-sex partner benefit by signing the applicable waiver form where permitted by applicable legislation. you will accrue benefits based on your rate of earnings before your leave commenced. the amount of your annuity will depend on your age. both before and after your government benefits begin. Version: December 2006 Ryder Truck Rental Canada Ltd. There are no retirement plan benefits payable to anyone after your death.

you will receive any benefits you earned under your Pension Account. unless you use the funds as described below (see “Locked-in Benefits”) or elect to have your lifetime pension start anytime after you attain age 55. These Pension Account benefits will be payable commencing at your normal retirement date. Page 170 . to a new employer’s plan (if that plan accepts the transfer) or to a life insurance company for the purchase of a life annuity. Version: December 2006 Ryder Truck Rental Canada Ltd. subject to an actuarial reduction. 2000 or New Brunswick and you have 5 years of Continuous Service you are employed in Manitoba and you have 2 years of Continuous Service you are employed in Quebec and have joined the Ryder Retirement Plan When you leave Ryder you may be entitled to vested pension benefits.Leaving the Company Vested Rights Your entitlement to a benefit from the plan if you terminate your employment before retirement is known as your “Vested Rights”. you are entitled to transfer the balance in your Retirement Account to a personal locked-in retirement vehicle (such as a locked-in retirement account). the benefits you have earned in respect of your Pension Account and your Retirement Account balance are locked-in. You will have Vested Rights to your accrued benefits in your Pension Account and to your Retirement Account balance if you meet at least one of the following conditions on termination of employment: you have 2 years of Continuous Service as a plan participant you were employed in Alberta between January 1. 1987 and January 1. Retirement Account If you terminate employment after you have Vested Rights in your Retirement Account. Locked-in Benefits If you have Vested Rights. Pension Account If you terminate employment after you have Vested Rights.

your spouse or same-sex partner will receive a monthly income equal to 50% of your Pension Account benefits (reduced based on a 50% Spouse Option). unless your spouse or same-sex partner has waived such entitlement in accordance with applicable legislation where permitted. As indicated previously. to another pension plan (if that plan accepts such transfers) or to an insurance company to buy an annuity payable for his/her lifetime unless otherwise required by applicable legislation. you cannot take a cash withdrawal of the funds they must be used to provide retirement income. your designated beneficiary will receive this payment in a lump sum. Page 171 . If. If you do not have a spouse or same-sex partner or if your spouse or same-sex partner has waived his or her entitlement to the death benefit in accordance with applicable legislation where permitted. Your spouse or same-sex partner may. used to purchase a life annuity or you may leave them in the Ryder Retirement Plan and receive these benefits in the form of a pension at age 65 or a reduced pension anytime after age 55. unless your spouse or same-sex partner has waived such entitlements in accordance with applicable legislation where permitted. unless your spouse or same-sex partner has waived such entitlement in accordance with applicable legislation where permitted. Version: December 2006 Ryder Truck Rental Canada Ltd. The lump sum value of this 50% benefit shall be at least equal to the lump sum value of the death benefit payment described in the previous paragraph. In addition. subject to the requirements of any applicable pension laws. Death Before Retirement If you die after becoming entitled to Vested Rights. subject to the requirements of any applicable pension laws. a lump sum equal to the value of your Retirement Account balance at your date of death will be payable to your spouse or same-sex partner. in lieu of the lump sum payment described above. locked-in benefits under your Retirement Account must be transferred to a personal locked-in retirement vehicle (such as a locked-in retirement account) or to a new employer’s plan (if that plan accepts such transfers) or used to purchase a life annuity. same-sex partner or beneficiary would not receive any benefits from the plan. you were age 55 with at least 10 years of Continuous Service. receive a lump sum payment equal to the value of your Pension Account benefits earned to the date of your death. plus the value of your Retirement Account balance at your date of death. your spouse. at the time of your death. If you die before becoming entitled to Vested Rights. transfer this payment to an RRSP. Locked-in benefits under your Pension Account may be transferred to a personal locked-in retirement vehicle (such as a locked-in retirement account) or to a new employer’s plan (if that plan accepts such transfers). your spouse or same-sex partner will.When benefits are “locked-in”.

You may not borrow against or assign benefits due to you under the plan. Examination of Documents You are entitled on written request. nor can they be attached. dies. and free of charge.Protection of Benefits The Ryder Retirement Plan is designed to provide you with regular monthly income after you retire. to inspect. who is receiving a pension from the plan. Version: December 2006 Ryder Truck Rental Canada Ltd. make extracts from or copy certain documents related to the Ryder Retirement Plan as provided in applicable provincial legislation. Death During Retirement If a retiree. Alternatively. You will be notified of any amendments that affect your rights under the plan. the plan administrator will provide a copy of such documents upon request and payment of applicable fees. Page 172 . Plan Changes or Termination Ryder reserves the right to amend or terminate the plan at any time (subject to the terms of any applicable collective agreement). an immediate family member should advise the Benefits Administrator at Ryder. levied or garnisheed in any way except as required by a court order or a domestic contract dividing pension benefits upon marriage breakdown or as otherwise required by applicable legislation.

the amount of tax deducted from your pay is adjusted immediately. Tax Features The Group RRSP is a convenient and tax-effective way to save for retirement. It has all the advantages of an ordinary RRSP. Cost All fees and expenses incurred in respect the Group RRSP shall be paid from the assets of the plan unless otherwise paid by Ryder in its sole discretion. Your contributions are tax-deductible within the limits set out in the Income Tax Act (Canada). your contributions to the Group RRSP will be matched by employer contributions on your behalf to the DPSP. up to certain limits (see the next section for details). You will receive contribution receipts for income tax purposes twice a year (in March for the first 60 days of that year and in January for the remainder of the previous year). While your Version: December 2006 Ryder Truck Rental Canada Ltd. This plan has all the tax advantages of an ordinary RRSP.Group Registered Retirement Savings Plan (Group RRSP) { TC } The Ryder Group RRSP is a convenient way to build up extra retirement savings to supplement the income available from the Ryder Retirement Plan and other government plans. When you complete the application form you will be asked to designate your beneficiary under this plan. Page 173 . Participation in the Group RRSP is optional. When you contribute by payroll deduction. Fees and expenses incurred in relation to a specific member account shall be paid from that member account unless otherwise paid by Ryder in its sole discretion. plus immediate adjustment to the amount of income tax withheld from your pay. Link with the Ryder Deferred Profit Sharing Plan When you become eligible to participate in the Ryder DPSP. with the added convenience of regular payroll deductions and immediate adjustment to the amount of income tax withheld from your pay. so you do not need to wait for a refund. Eligibility Full-time employees and part-time or temporary employees who work at least 30 hours per week may elect to participate in the Group RRSP. You may enroll and set up a Group RRSP account in your name or the name of your spouse or same-sex partner any time after you begin employment with Ryder.

You may also make lump sum contributions in an amount of at least $100. which is responsible for holding the funds. when you withdraw money from the Group RRSP or receive it in the form of retirement income. You may contribute up to 18% of your annual earned income (as defined in the Income Tax Act (Canada)) in the previous year. decrease or suspend your payroll deduction amount at any time during the calendar year. keeping track of your contributions. your accumulated Group RRSP savings can be used to provide a regular monthly income that will be subject to income tax as it is received. This contribution limit applies to the total of all your RRSP contributions. However. the amount paid out is subject to income tax. Please contact the Benefits Administrator for more details on making lump sum contributions. Administration The Group RRSP is provided through a contract with a financial institution. Subject to the limits discussed below. Your PA is the value of your annual benefits earned in the previous year under the Ryder Retirement Plan and DPSP. Benefit At retirement. subject to the annual maximum prescribed under the Income Tax Act (Canada). Contributions The Group RRSP is funded by your contributions and investment income earned on these contributions. you may specify a dollar amount to be deducted from your regular pay as a Group RRSP contribution. investment choices and beneficiary designations and issuing tax receipts. It is calculated according to a formula defined by the Income Tax Act (Canada) and is reported every February on your T4. The PA is the total of the following amounts: The amount of annual pension credit you earned in the Ryder Retirement Plan Pension Account in a year multiplied by 9. plus Ryder’s contribution on your behalf in a year to the Ryder Retirement Plan Retirement Account and the Ryder DPSP Version: December 2006 Ryder Truck Rental Canada Ltd. The contract is registered with the Canada Revenue Agency. You may increase. including any personal RRSPs. less your pension adjustment (see below).savings accumulate and grow in your Group RRSP account. then reduced by $600. Page 174 . the investment income is sheltered from income tax. Pension Adjustment (PA): Your allowable contribution will be limited by your government-legislated pension adjustment.

You may change your investment options for future contributions at any time. The current fee in this regard is $25. Consult your Benefits Administrator for further details.It is your responsibility to ensure that you do not exceed your RRSP contribution limit. This amount is subject to change. Version: December 2006 Ryder Truck Rental Canada Ltd. There is no fee for inter-fund transfers made via the Internet or telephone. Excellent tools are made available to you to help you decide the portfolio mix that is right for you. Investment Options The Ryder Group RRSP offers you a wide choice of investment options. Foreign Property Limits It is your responsibility to ensure that the investments in your Group RRSP account which are considered “foreign property” for purposes of the Income Tax Act (Canada) do not exceed the limits set out under the Income Tax Act (Canada). please call 1-800-463-6361 (toll-free). a market value adjustment may reduce the amount of interest paid. Your RRSP contribution limit for the current taxation year appears on the Notice of Assessment you received from the Canada Revenue Agency after you filed your income tax return for the previous year. Page 175 . It will depend on your personal financial situation. You decide how to invest your Group RRSP account. under exceptional circumstances. If you move money from a GIC before the maturity date. risk tolerance and investment goals. to impose restrictions on maximum fund withdrawal or transfer amounts where the withdrawal or transfer may risk the integrity of the fund. You are encouraged to seek your own independent investment advice in order to help you make your investment decisions. If you make more than four inter-fund transfers in a year by paper (not by internet or telephone) there will be a fee charged for each additional paper inter-fund transfer (in excess of four) which will be deducted from your account. You may also transfer past contributions from one fund to another at any time. regardless of the number of such transfers. The decision as to which investments to select is up to you. The administrator reserves the right. If you would like more information about the foreign property limits. Any penalties that are assessed as a result of your account exceeding those limits will be deducted from your account.

Alternatively. as applicable. please contact your Benefits Administrator. the balance in an account that you established in the name of your spouse or same-sex partner must be paid out or transferred from the plan no later than December 31st of the year in which your spouse or same-sex partner. you may use your accumulated contributions to buy an annuity or transfer the funds to a registered retirement income fund (RRIF). there is no charge for the first withdrawal by a member during a calendar year. At retirement. As required by law. Retirement The balance in your Group RRSP account must be paid out or transferred from the plan no later than December 31st of the year in which you attain age 69. For details concerning the method of making such contributions. Version: December 2006 Ryder Truck Rental Canada Ltd. Page 176 . However. you will not receive the matching employer contribution for the current year. income tax will be withheld and the full amount will be added to your taxable income in the year in which the payment is made. However.Withdrawals You have full rights to your Group RRSP account balance at all times. you may also transfer your contributions to another RRSP. An administration fee applies to funds withdrawn or transferred to other institutions. the primary purpose of this plan is to encourage long-term savings for your retirement. Currently. parental or adoption leave or any other period of approved leave. These amounts are subject to change. the administrator will withhold tax from your cash withdrawal (transfers to another RRSP remain tax-sheltered). Similarly. Any cash withdrawals are subject to income tax in the year in which the withdrawal is made. While withdrawals are permitted. you may take your accumulated contributions in cash. if you withdraw your current year contribution before the end of the year. attains age 69. The current fee in respect of each additional withdrawal is $25. If you are not yet 69 years old when you retire. Each of these options allows you to continue sheltering your contributions from tax until you receive annuity payments or withdraw money from the RRIF. Leave of Absence You may continue to make contributions during any maternity.

Page 177 . Statements and Information As was noted previously. The tax status of these kinds of payments in the hands of your beneficiary depends on this person’s relationship to you. the current balance in your Group RRSP account will be paid to your designated beneficiary. Up-to-date information is available 24 hours a day from a toll-free hotline. please see the Group RRSP brochure and other investment planning documents available from your Benefits Administrator.Leaving the Company If you terminate employment. the balance in your account or the account you established in the name of your spouse or same-sex partner. must be transferred to another RRSP or RRIF or withdrawn in cash. For more information about the Group RRSP. Your savings will remain tax-sheltered unless you decide to withdraw them. You can get up-to-date information about your account 24 hours a day by calling: 1-800-463-6361 (toll-free). Please consult the Canada Revenue Agency or a financial advisor for further details. you will receive regular statements showing the status of your Group RRSP account. Death If you should die before retirement. Version: December 2006 Ryder Truck Rental Canada Ltd.

You determine how your matching contribution will be invested from among the wide choice of investment options. The returns on the investment option(s) chosen by you will be allocated to your account within the DPSP. while these deposits accumulate and grow in your DPSP account. When you complete the required application form. Version: December 2006 Ryder Truck Rental Canada Ltd. death or retirement. unless it is transferred to another tax-sheltered plan (such as an RRSP). Also. you do not need to include these contributions in your taxable income.Ryder Deferred Profit Sharing Plan (DPSP) { TC } Eligibility The eligibility conditions for the DPSP are the same as those for the Ryder Retirement Plan. Tax Features When Ryder makes contributions on your behalf to the DPSP. the amount paid out is subject to income tax. Link with Your RRSP Contributions Ryder makes an annual contribution to the DPSP on your behalf that matches your annual contribution to the Group RRSP up to the following limits: Years of Continuous Service Less than 5 years 5 years or more Ryder matches Your Group RRSP contributions up to 2% of your annual earnings Your Group RRSP contributions up to 3% of your annual earnings An eligible employee’s RRSP contribution will qualify for matching contributions under the DPSP by regular payroll deductions to the Group RRSP. you will be asked to designate your beneficiary under this plan. However. Benefit Your Ryder matching contribution is made to the DPSP trust fund established with the plan trustee. Please refer to the commentary under “Eligibility” in the Ryder Retirement Plan section of this booklet. Page 178 . the investment income is sheltered from income tax. when your DPSP account is paid out on termination of employment.

You may change your investment options for future contributions at any time. Version: December 2006 Ryder Truck Rental Canada Ltd.Fees and Expenses Fees and expenses incurred in the general administration of the DPSP shall be paid from the member accounts unless otherwise paid by Ryder in its sole discretion. Any penalties that are assessed as a result of your account exceeding these limits will be deducted from your account. The current fee in this regard is $25. Foreign Property Limits It is your responsibility to ensure that the investments in your DPSP account which are considered “foreign property” for purposes of the Income Tax Act (Canada) do not exceed the limits set out under the Income Tax Act (Canada). under exceptional circumstances. you determine how the assets in your DPSP account will be invested from among the wide choice of investment options. The decision as to which investments to select is up to you. If you would like more information about the foreign property limits. Fees and expenses incurred in relation to a specific member account shall be paid from that member account unless otherwise paid by Ryder in its sole discretion. There is no fee for inter-fund transfers made via the Internet or telephone. Investment of the DPSP Fund As noted above. regardless of the number of such transfers. a market value adjustment may reduce the amount of interest paid. The administrator reserves the right. risk tolerance and investment goals. This amount is subject to change. to impose restrictions on maximum fund withdrawal or transfer amounts where the withdrawal or transfer may risk the integrity of the fund. If you move money from a GIC before the maturity date. It will depend on your personal financial situation. Excellent tools are available to help you decide the portfolio mix that is right for you. please ask your Benefits Administrator for further details. If you make more than four inter-fund transfers in a year by paper (not by internet or telephone) there will be a fee charged for each additional paper inter-fund transfer (in excess of four) which will be deducted from your account. You are encouraged to seek your own independent investment advice in order to help you make your investment decisions. Page 179 . You may also transfer past contributions from one fund to another at any time.

Version: December 2006 Ryder Truck Rental Canada Ltd. Page 180 . payable at least annually and over not more than 10 years you may use the balance to purchase a lifetime annuity contract you may transfer the balance to another tax-exempt plan (such as an RRSP) Your benefits from the plan are taxable when you receive them. you may elect to receive your DPSP account balance as follows: you may receive it in a lump sum you may receive it in ten equal installments. Leave of Absence Periods of approved leave of absence count as service for determining your eligibility and matching limit under the DPSP.Retirement At retirement.

you do not receive any benefits from the DPSP. You become entitled to the full amount of contributions made on your behalf once you have at least two years of plan membership or if you retire due to a disability or if you die prior to termination of employment. If you do not have vested rights when you terminate employment. If you have vested rights. he or she may elect to purchase a life annuity or transfer the funds to an RRSP in his/her name. Page 181 . same-sex partner or beneficiary may elect to receive this payment in a lump sum or ten equal installments. Version: December 2006 Ryder Truck Rental Canada Ltd. if the payment is being made to your spouse or same-sex partner. Death If you die before retirement. Alternatively. Your spouse. you may elect to receive your vested DPSP account balance in one of the optional forms described above (see “Retirement” above). You have full rights to Ryder’s DPSP contributions after 2 years of plan membership. adjusted to reflect related investment returns. your spouse. same-sex partner or beneficiary will receive any contributions made to the DPSP on your behalf.Leaving the Company Vested Rights Your entitlement to a benefit from the DPSP if you terminate your employment before retirement is known as your “vested rights”.

Eligibility All working Canadians participate in the C/QPP and remain in the plan for their working years. Cost As a C/QPP member. Your C/QPP pension is adjusted annually to help keep pace with increases in the cost of living. The reduction is . Page 182 . If you receive your C/QPP pension before age 65. Contributions to C/QPP are deducted from your earnings. Retirement Benefit Ryder and you contribute equal amounts to the C/QPP Typically. However. Version: December 2006 Ryder Truck Rental Canada Ltd. you begin receiving your pension from the C/QPP once you reach age 65. The amount of pension depends on how long you have contributed to the plan and how much you have earned during each year of participation. Ryder also makes matching contributions to C/QPP on your behalf.Government Plans Canada/Quebec Pension Plan (C/QPP){ TC } The Canada/Quebec Pension Plan is a government-sponsored plan that pays you a lifetime monthly pension beginning any time after age 60. you may choose to receive reduced benefits starting any time after age 60 if you are considered to have ceased working. the government reduces the monthly amount to account for a longer payment period.5% for each month (6% for each year) you are under age 65 when the payments begin. you make regular contributions based on your earnings.

you qualify for an Old Age Security pension. consult the appropriate government office (their telephone numbers can be found in the blue pages in your telephone directory).Old Age Security (OAS){ TC } This government-sponsored plan also pays you a lifetime monthly pension once you reach-age 65. Page 183 . OAS benefits are paid as a monthly flat-rate benefit. For more information on these government programs. The amount of your pension depends on how long you have been a Canadian resident. you must apply to the government for your OAS pension. In addition. Version: December 2006 Ryder Truck Rental Canada Ltd. Retirement Benefit You receive your Old Age Security pension in monthly payments. Cost The OAS pension is funded through general tax revenues. OAS benefits are subject to a “claw back” tax for high income individuals. Eligibility If you are a Canadian citizen and you meet the residency requirements. At age 65. provided you meet the government’s residency requirements. The benefits are adjusted every three months to help keep pace with increases in the cost of living.

and advice. Our experts are ready and waiting to assist you with your special concern. and refer you to helpful resources. website listings and books to give you the tools you need to get things done. They can also send you a package of information. WorkLife Solutions is available 24 hours a day. Canada’s largest and most respected behavioural health service provider. confidential. resources. WorkLife Solutions WorkLife Solutions is a confidential advisory service that assists you and your family in balancing work/life issues. including: • • • • • • • • • • • • Personal and work related stress Couple and marital relationships Childcare and parenting issues Eldercare concerns Depression and anxiety Alcohol and drug misuse Family matters Bereavement Financial concerns Career issues Crisis counseling/Trauma Other concerns These services are provided by FGI. short-term counseling and advisory service that connects you and your eligible family members to a network of dedicated professionals who are available to give you assistance 24 hours a day. consultation. Version: December 2006 Ryder Truck Rental Canada Ltd. Page 184 . offer advice. Professional Counseling The EAP is a voluntary. Professional WorkLife Specialists provide telephone assessment. anytime you need help. 7 days a week to answer your questions. psychologists. educational material. social workers and specialists.Employee Assistance Program (EAP) The Employee Assistance Program (EAP) provides professional assistance for a wide range of issues. This network is made up of experienced counselors.

*Understandably. How much does it all cost? There is no cost to you or your family. Visit www. If long-term or specialized care is required. a court order). certain exceptions apply when information must be provided to others. your professional advisor will help you with a referral to an affordable community resource. articles. This benefit is 100% Ryder paid. Toll-free English language services: Canada-wide: 1-800-268-5211 TDD 1-800-363-6270 (Hearing impaired) Service en francais: Ligne sans frais au Canada: 1-800-363-3872 ATS: 1-800-263-8035 (personnes malentendantes) Version: December 2006 Ryder Truck Rental Canada Ltd. with the exceptions listed below. Page 185 .WorkLife Online is a website that provides you and your family with easy access to relevant and timely information on a wide array of work/life topics.fgiworldmembers. including reference materials. no one at your workplace will even know that you have contacted the EAP. Absolutely! FGI does not share any information with anyone outside of FGI without an individual’s informed.com. At this point.* Unless you tell them. whether or not consent is given – such as when a person appears to pose a threat of serious injury to themselves or others. you would be responsible for any fees that the benefit plan or provincial health insurance does not cover. FGI’s professionals are legally required to report suspicion of child abuse and to disclose information required by law (e. Also. voluntary and written consent. Is the service really confidential? Yes. books and links. You can also access counseling or information via an on-line appointment request form.g.

you must be a regular full-time or regular part-time employee who was employed for 90 days prior to the offering period. Additional information is sent to employees once they become eligible. To participate. The price is 85 percent of the closing price on either the first trading day or the last trading day of the quarter. whichever is less. Version: December 2006 Ryder Truck Rental Canada Ltd. Page 186 . Shares are purchased at the end of each calendar quarter.Employee Stock Purchase Plan Eligible employees can purchase shares of Ryder common stock through RyderShares.

Safety At Work Version: December 2006 Ryder Truck Rental Canada Ltd. Page 187 .

and the general public. Health and Security are key business objectives. Version: December 2006 Ryder Truck Rental Canada Ltd. customers.Safety. Health and Security Policy Company Commitment Ryder is firmly committed to protecting its employees. supervisors and employees must ensure that safety. Managers and employees at all levels of the organization are responsible and accountable for safely performing all work operations and protecting Company employees and assets. assets. and security processes are incorporated into all aspects of our business. Condition of Employment It is Ryder’s belief that every collision. Working safely is a condition of employment. Safety. Responsibilities All managers. injury and security incident is preventable. health. Page 188 .

all employees will be provided care and first-aid or emergency service. you must immediately: • • • Call 911. Version: December 2006 Ryder Truck Rental Canada Ltd. Reporting Incident In the event of an accident or emergency. WSIB Claims Administrator of the incident.Accidents and Emergencies Ryder’s Position Maintaining a safe work environment requires the continuous cooperation of all Ryder employees. Employee Care For injuries or illnesses while on Company business. Important: You must report all work-related accidents and injuries immediately. when possible and as required. Page 189 . and Contact your manager (or the nearest manager if yours is not available) Contact the Safety department and the Safety Administrator Your manager is responsible for notifying Ed Gordon. The Company strongly encourages its employees to communicate with fellow employees regarding safety issues. if necessary.

Version: December 2006 Ryder Truck Rental Canada Ltd. All Ryder employees are required to wear seat belts when operating any vehicle on Company business.Use of Seat Belts Policy Ryder’s belief in a strong safety program goes beyond the shop and office to include all employees operating Ryder-owned vehicles. Page 190 .

Policies to Know Version: December 2006 Ryder Truck Rental Canada Ltd. Page 191 .

No firearms. kicking or holding Impeding or blocking movement of another person or urging others to do the same Using. pushing. weapons. even if made in jest. Violence or threats of violence. suppliers. etc. are grounds for immediate termination. which is prohibited by Ryder’s Preventing Workplace Violence Policy: • • • • • • • • • • Direct. Explosives. striking.Preventing Workplace Violence Policy Ryder will not tolerate the following actions by anyone at any level: • Violence • Threats of violence • Harassment • Intimidation • Any conduct that creates an intimidating or otherwise offensive work environment • Any conduct that creates a direct threat to the safety of the employee or others • Other prohibited conduct described in this document This policy is designed to enhance the protection and safety of all Ryder employees. indirect or implied threats toward persons or property Vulgar. cartoons. Prohibited Conduct The following are examples (by no means exhaustive) of conduct. Weapons. customers. vendors and contractors. as well as the general public. drawings or publications Firearms. profane or offensive language toward others Disparaging or derogatory comments or slurs Offensive sexual flirtations or propositions Verbal intimidation or bullying Name-calling or belittling behaviour Hitting. threatening or implying the use of any weapon or object that could be used as a weapon Derogatory or offensive posters. dangerous materials or chemicals. Page 192 . or explosives of any kind may: Version: December 2006 Ryder Truck Rental Canada Ltd.

air pistols and air rifles. up to and including termination. switchblades or other knives. you are required to communicate with knowledge to your manager or any individual in your location’s chain of command. suppliers or vendors. Note: For the purpose of this policy. toxic agents. the Company may take appropriate steps to protect employees against whom threats have been made. chains or other items which are threatening by their nature or which are displayed in a threatening or intimidating manner. Reporting Threats of Violence If you have knowledge of actions or behaviours prohibited by this policy.• • Be brought by Ryder employees onto Company property or the property of our customers. and when appropriate. Disciplinary Action/Prosecution Any employee whose conduct is prohibited by this policy or whose action is contrary to the company’s best interests will be subject to disciplinary action. or supplier. vendor. Additionally. but are not limited to. firearms and weapons include. Immediate Action In order to minimize the potential risk to co-workers during the period pending an investigation. Page 193 Version: December 2006 . Ryder will prosecute employees who commit criminal offenses against the Company. parking areas and Company vehicles. or Carried by any person on Company business Company property includes owned or leased office or maintenance locations. will cooperate in the prosecution of employees who commit criminal offenses against others. you may contact: • Human Resources through the Open Door Process Ryder Truck Rental Canada Ltd. These restrictions exclude materials present on Company property or in Company vehicles resulting from contractual obligations between Ryder and a customer. Investigation All reported threats of violence will be investigated.

Any employee who in good faith reports what appears to be a threat – even if the reported incident is determined not to be a threat – will not be subject to disciplinary action.• • Senior Manager. Safety. Page 194 . Version: December 2006 Ryder Truck Rental Canada Ltd. False Reports Any employee who knowingly makes a false report against another employee is subject to disciplinary action. Health & Security The GUIDELINE (for anonymous reporting) at 800-815-2830. up to and including termination. but not be limited to the following details: • • • • • • • Name of the person making the threat Name of the person(s) being threatened Specific language or form of the threat Any specific conduct by the person making the threat When and where the threat was made Names of others who observed or may know of the threat Knowledge regarding prior threats or violent conduct by the person who made the threat. Information to be reported should include.

sub-contractors and agents. Violations of these provisions are grounds for disciplinary action. Scope This policy and the specific prohibitions will apply to all employees while engaged in Company business. or any prescription drug which is not obtained and used under a lawfully-issued prescription. alcohol and medications. the company prohibits: • • • • Anyone being unfit for work because of the use or after effects of alcohol or other drugs. and The use. drugs of concern include illegal drugs. customers. and the communities in and through which we conduct business. the rules around fitness for duty and those associated with alcohol and other drug use or possession. These provisions. Version: December 2006 Ryder Truck Rental Canada Ltd. and driving company vehicles. offering or sale of alcoholic beverages. We recognize that the use of illicit drugs and the misuse of alcohol or other drugs can limit an employee’s ability to properly do their job. may be applied to contractors and their employees while providing services to Ryder. which inhibit or may inhibit an employee’s ability to perform their job safely and productively. All contractors will be advised of the applicable provisions of this policy. Appendix IV applies to Managers involved in the Alcohol and Drug Policy management process. possession. Therefore. They will be expected to enforce these requirements for their employees. which minimizes the risks associated with out operations in order to ensure a safe. distribution. For the purposes of this policy. both prescribed and over-the-counter. Page 195 . In support of a responsible approach to alcohol and drug use. Any contravention will be considered a breach of their contract. up to and including termination. and can have a serious negative impact on the health and safety of themselves and others. Sections I to III – Appendix I apply to all Ryder Canada employees. All managers are expected to be aware and knowledgeable in this process. distribution. healthy and productive workplace. offering or sale of illicit drugs. as determined by company management. possession. If you are a driver and travel to the United States. working on Company premises. in whole or in part. i. the above plus appendices II and III apply to you. the implementation of this policy is one more component of our overall safety program.Ryder Drug & Alcohol Policy Ryder Canada is committed to the safety and productivity of all operations on behalf of employees. and in particular. The misuse of medications. The use.

counseling. ♦ Identify specific standards to be met by individuals holding safe-sensitive positions. iii. and may be amended from time to time. and ♦ Reserve the right to conduct searches for alcohol and illicit drugs on premises owned. ♦ Undertake drug testing for applicants and alcohol and drug testing for current employees as outlined in the administrative guidelines. ♦ Any employee who may have a problem is expected to assume ownership of their problem. or otherwise controlled by the Company. excellence. 1996. ♦ Provide access to confidential assessment. Version: December 2006 Ryder Truck Rental Canada Ltd. profitability and safe operations cannot be achieved in a workplace where job performance is adversely affected by the use of alcohol or other drugs. and use the counselling and treatment services that are available through the Company and community. Because quality. ♦ Provide prevention programs emphasizing awareness. ♦ Emphasize job performance management as a major tool for the success of this policy. Ryder will: ♦ Actively promote a safe and healthy working environment that strives to eliminate any negative effects due to the inappropriate use of alcohol or other drugs. The following provisions became effective as of July 1.ii. The policy and administrative guidelines are subject to ongoing review and evaluation. referral and aftercare services. Responsibilities There is a shared responsibility for the success of this policy: ♦ Ryder will provide access to assistance programs in a way that ensures confidentiality. fairness and respect for individuals. PURPOSE These guidelines are intended to provide further details on all aspects of the Ryder Policy on Alcohol and Other Drug Use to ensure understanding of the provisions and uniform implementation of the main policy statement. contracted. ♦ Monitor and take appropriate action if an employee that is required to have a valid drivers license as a condition of employment receives an impaired driving charge or conviction at any time. Page 196 . education. and ♦ All employees are personally responsible for compliance with this policy and are always expected to place a priority on workplace safety in their job performance and practices. training and peer participations.

sale. 3.iv. installations. Version: December 2006 Ryder Truck Rental Canada Ltd. illicit drugs or medications. regular part time. This includes: ♦ Category A Contractors: owner-operators and their employees that provide exclusive services to Ryder. Company Premises includes but is not necessarily restricted to. street drugs such as marijuana and cocaine). illicit drugs or medications. including alcohol. purchase or transfer is restricted or prohibited by law (e. whether conducted on or off company premises. Employees include all regular full time. temporary and casual employees when on company business or premises. Company Business refers to all business activities undertaken by employees in the course of the company’s operations. Definitions 1. 9. Contractor refers to any contractor or supplier and their representatives providing services to Ryder and not on the company payroll. 7. seasonal.g. and. loading and other services. feels or acts. For purposes of this policy. 6. 5. property. Drug means any substance. drugs of concern are those that inhibit a worker’s ability to perform his or her job safely and productively. operated or otherwise directly controlled by the company. and equipment owned. 8. or under the company’s operating authority. Page 197 . the use of which has the potential to change or adversely affect the way a person thinks. ♦ Category B Contractors: service and product suppliers including companies providing maintenance. 2. It includes all situations when an employee is representing the company. or other low molecular weight alcohols including methyl and isopropyl. Illicit drug means any drug or substance whose use. Fitness for Work/Duty in the context of this policy means being able to safely and acceptably perform assigned duties without any limitations due to the use or after-effects of alcohol. vehicles. facility or other property to be dispatched. Safety-sensitive Functions are functions performed when a driver is: ♦ Waiting at a terminal. ethyl alcohol. leased. 4. Alcohol means the intoxicating agent in beverage alcohol. possession. and driver leasing companies. structures. ♦ Performing pre-trip inspections or servicing the vehicle. all land.

or very limited supervision to provide frequent operational checks. Implementation details are provided in the administrative guidelines. Area Manager or their designate. 1996. which is given to every employee upon hiring. This definition includes all employees that may be required to rotate through or temporarily relieve a safety-sensitive position. as defined under the Ontario Highway Traffic Act and other applicable provincial and federal legislation and regulations. Version: December 2006 Ryder Truck Rental Canada Ltd. Supervisor means the individual in authority over a particular area or shift. Managing Director Operations. This policy. including management personnel that could reasonably be expected to be called upon to drive a commercial motor vehicle will be included in this category. ♦ Loading or unloading a vehicle. A list of designated positions will be developed and approved by Company management. Vice President. Vertical Account Operations. Any individual. ♦ Remaining in readiness to operate the vehicle. 10. including team leaders. This policy and guidelines are subject to ongoing review and evaluation. attending a vehicle being loaded or unloaded. see full policy and appendices. obtaining assistance or remaining in attendance upon a disabled vehicle. Page 198 . ♦ In or upon a commercial motor vehicle (except when resting in the sleeper berth). ♦ Giving or receiving receipts for shipments loaded or unloaded. co-workers. the community or the environment. 12. Safety-sensitive Positions are positions in which individuals have a key and direct role in an operation where impaired performance could result in safety risk to self. managers and others in position of authority. 11. For purposes of this policy.♦ At the driving controls of a commercial motor vehicle in operation. these positions have no direct. For more complete details. property. and may be amended from time to time. and will be kept up to date to reflect changes in personnel and job content. supervising or assisting in the loading or unloading. which became effective July 1. Senior Management refers to the Vice President and General Manager. and ♦ Repairing. safety-sensitive positions include all employee drivers and Category A contractors whose primary job responsibility is driving a commercial motor vehicle used for hauling purposes on highways. In addition. will be communicated to all employees who are responsible for understanding its application to themselves and others. Additional copies can be obtained from the Human Resources or Safety Departments.

Any questions regarding this policy should be addressed to Ryder’s Human Resources. e-mail. voice mail and electronic mail (e-mail) can provide an excellent means of communicating with other employees. Ryder reserves the right to modify this policy at any time. Internet and voice mail policy Overview Certain employees of Ryder may be provided with access to the Internet to assist them in performing their jobs. Every employee is responsible for using Ryder’s computer and voice mail systems. properly and in accordance with this policy. its e-mail system and the Internet. received from and created or stored in its systems (whether through word processing programs. Page 199 . voice mail or otherwise) are Company records and property of the Company. All communications and information transmitted by. This policy is not intended to violate any employee’s legal rights.Computer. outside vendors and other businesses. “Surfing the Net” is not a legitimate business activity and is not an approved use of the Internet. The Company maintains this policy for the purpose of monitoring and ensuring lawful. The Internet can be a valuable source of information and research. with or without notice. e-mail. the Internet. our customers. Version: December 2006 Ryder Truck Rental Canada Ltd. In addition. Important: Employee use of the Company’s computer and voice mail systems constitutes consent to all terms and conditions of this policy. including. use of these systems must be tempered with common sense and good judgment. Company Property Ryder’s computer and voice mail systems are Company property and are provided for use in conducting Company business. appropriate and productive use of its computer and voice mail systems. Use of these systems for anything more than incidental and occasional personal purposes is prohibited. without limitation. However.

and E-mail sent and received by users. listen to. Employees should not have an expectation of privacy in anything they create. Confidentiality of E-mail and Voice Mail Employees are not authorized to retrieve. or For any other reason that the Company in its discretion deems appropriate. Use of passwords or other security measures does not in any way diminish the Company’s right to monitor and access materials in its systems. retrieve and delete any matter stored in. or sent over its computer or voice mail systems for any reason and without permission of or notice to any employee. send or receive on the Company’s systems. Any password used by an employee must be revealed to the Company upon request: • • When files need to be accessed by the Company in the employee’s absence. Even though the company has the right to retrieve. nor does it create any privacy rights of employees in the messages and files on the systems. Company’s Right to Monitor The company has the right to monitor any and all aspects of its computer system. received on. Internet accounts and voice mail to its employees to assist them in the performance of their jobs. The Company may use its right to monitor. computer accounts. and delete any information created. access. received or stored on its systems. Version: December 2006 Ryder Truck Rental Canada Ltd. and Accessed only by the intended recipient. including: • • • • Sites on the Internet visited by employees Chat and news groups Material downloaded or uploaded to the Internet by users. read or listen to any e-mail or voice mail messages not sent to them.No Expectation of Privacy The Company provides computers. store. sent. created on. e-mail and voice mail messages should still be: • • Treated as confidential by other employees. Page 200 .

Professional Use of Systems
When using the Company’s computer or voice mail systems, employees should conduct themselves in a professional manner and be courteous to other users of the system. E-mails and voice mails are sometimes misdirected or forwarded and may be viewed or heard by persons other than the intended recipient. Employees should always create e-mail and voice mail communications with no less care, judgment and responsibility than they would use for letters or internal memoranda written on Ryder letterhead. Important: Employees should be aware that deletion of any e-mail messages or files would not truly eliminate them from the system. All e-mail messages are stored on a central back-up system.

Voice Mail Greetings
Voice mail greetings represent Ryder to outside callers. Employees should ensure that their greetings are professional and courteous.

Use of Speaker Phone
In order to avoid disclosing contents of a message to unauthorized listeners, employees should avoid listening to voice mail messages while using the speakerphone feature.

Offensive and Inappropriate Material
Ryder’s policies regarding equal employment opportunities and harassment, discrimination and retaliation apply fully to the Company’s computer and voice mail systems, and any violation of these policies is grounds for discipline, up to and including termination. Therefore, no e-mail or voicemail messages should be created, sent or received if they contain intimidating or offensive material including, but not limited to, any of the following subjects: Race Colour Religion Sex Age National Origin Ancestry Disability Marital status Veteran status Sexual orientation Other classifications protected by law
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Further, material falling into one of the following categories may not be downloaded from the Internet or displayed or stored in the Company’s computers: Fraudulent Harassing Embarrassing Sexually explicit Profane Offensive Obscene Intimidating Defamatory Unlawful Inappropriate

Employees who encounter or receive this kind of material are responsible for: • • Replying to the sender that they do not wish to receive such material, and Immediately reporting the incident to their manager or Human Resources Manager.

Disclaimer of Liability for Use of Internet
Ryder employees accessing the Internet do so at their own risk. Ryder is not responsible for material viewed or downloaded from the Internet by users. The Internet is a worldwide network of computers that contains millions of pages of information. Employees should be aware that many of these pages include offensive, sexually explicit and inappropriate material. Even a harmless search request may lead to sites with highly offensive content. In addition, having an email address on the Internet may lead to the receipt of unsolicited e-mail containing offensive content.

Solicitations
The Company’s systems, including but not limited to e-mail, voice mail, the Intranet and the Internet, may not be used to solicit for:
• • • •

Religious or political causes Commercial enterprises Outside organizations, or Other non-job related causes.

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Virus Detection
Files obtained from sources outside the Company may contain dangerous computer viruses that may damage Ryder’s computer network. These include:
• • • •

Disks brought from home Files downloaded from the Internet, news groups, bulletin boards or other online services Files attached to e-mail, and Files provided by customers or vendors.

Employees must never download files from the Internet, accept e-mail attachments from outsiders or use disks from non-Company sources without first scanning the material with Company-approved virus-checking software. If there is a suspicion that a virus has been introduced into the Company’s network, employees are responsible for immediately notifying the Help Desk at 888-793-3733.

Care of Computer Resources
Employees must not deliberately perform acts that waste computer resources or unfairly monopolize resources to the exclusion of others. These acts include, but are not limited to:
• • • • • •

Sending mass mailings or chain letters Spending excessive amounts of time on the Internet Playing games Engaging in online chat groups Printing multiple copies of documents, or Otherwise creating unnecessary network traffic.

Because audio, video and picture files require significant storage space, files of this or any other sort may not be downloaded without prior approval from the employee’s supervisor. Employees may not use the Company’s Internet connection to download games or other entertainment software, including wallpaper and screen savers, nor may they play games over the Internet.

Voice Mail System Maintenance
As users of Ryder’s voice mail system, employees are responsible for routinely deleting outdated or unnecessary messages. This will help keep the system running smoothly and effectively, as well as minimize maintenance costs.

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Because of the storage space required for voice mail messages, employees should not send voice mail messages to large numbers of recipients without prior approval from their supervisor.

Copyrights and Trademarks
Employees must receive prior authorization from senior management (Senior Vice President or above) to use the Company’s computer system to send (upload) or receive (download) copyrighted materials, trade secrets, proprietary financial information or similar materials. If employees are uncertain about whether certain information is copyrighted, proprietary or otherwise inappropriate for transfer, they should:
• •

Resolve their doubts in favour of not transferring the information, and Consult with senior management.

Employees are responsible for complying with copyright laws and applicable licenses that may apply to any software, files, graphics, documents, messages or other material they wish to download or copy. Employees may not agree to a license or download any material for which a registration fee is charged without first obtaining expressed, written permission from their supervisor. Further, any Ryder-approved material that is posted or sent via the Company’s computer system should contain all proper copyright and trademark notices. Without prior approval from senior management to act as an official representative of the Company, employees posting information must include a disclaimer in that information stating, "Views expressed by the author do not necessarily represent those of the Company."

Violation of Policy
Violations of this policy may result in:
• •

Disciplinary action, up to and including termination, and Civil and/or criminal action, when appropriate.

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Electronic Recording Policy
Policy
Employees are not permitted to record or film conversations or actions at any Company facility, area or operation with a tape recorder, video camera or other recording device without:
• •

Prior approval from a senior level manager, and Consent from all parties involved.

Consequences of Violations
Any violation of this policy may result in disciplinary action, up to and including termination. In addition, recording a conversation without someone else’s consent is a criminal act in some states. Ryder will cooperate fully with authorities in prosecution of these offences.

Reference Checks on Current or Former Employees Policy
No Ryder employee may issue a reference letter or provide a telephone reference statement on behalf of any current or former employee. Failure to follow this policy will result in disciplinary action, up to and including termination.

Handling Inquiries
All inquiries, in writing or by telephone, regarding current or former Ryder employees must be referred to the Human Resources department. Personnel Records will:
• •

Furnish or verify only an employee’s name, dates of employment, job title, department, and Validate salary information.

No other data or information will be furnished unless the employee provides a written request to the Company or Ryder is required by law to furnish the information.

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If the employee provides a written request, it must contain:
• •

An authorization to furnish specific information, and A statement releasing Ryder from liability in connection with furnishing the specified information.

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This policy must be considered when assigning. Page 207 . Members of an employee’s immediate family will be considered for employment on the basis of their qualifications. employees who become family members (through marriage.Anti-nepotism Policy Policy The purpose of this policy is to avoid actual or apparent conflicts of interest. Version: December 2006 Ryder Truck Rental Canada Ltd. an immediate family member. transferring or promoting an employee. roommate or an individual who is currently involved in a romantic or sexual relationship with a Ryder employee may not be hired in the same department or work group or continue to work in that group if the employment would: • • • Create a supervisor/subordinate relationship with any individual described above Have the potential for creating an adverse impact on work performance. the appearance of a conflict of interest or the perception of unfairness to other employees. domestic partnerships or otherwise) may be prohibited from continuing in working relationships that would create one of the above conditions. Therefore. Depending on the circumstances. or Create an actual conflict of interest.

Version: December 2006 Ryder Truck Rental Canada Ltd. If you have a Corporate American Express card. You manager must be aware of the expense prior to the expense being incurred. Page 208 . You must attach all of your original receipts to the statement.Employee Expenses All expenses must have prior manager approval. and then forward it onto the Shared Services Center in Alpharetta. In order to claim for reimbursement of expenses. Georgia for processing. you must complete the Travel Expense Statement. all expenses should be charged using this credit card. have your manager approve the expense statement. Please ensure you include the location code where the expense should be charged to on the statement.

Leaving Ryder Version: December 2006 Ryder Truck Rental Canada Ltd. Page 209 .

ability. Involuntary reassignment may occur as a result of: • • • • • • A reduction of hours of work available A reduction in the number of positions required to perform the work A significant revision of job content A redundancy of positions. Version: December 2006 Ryder Truck Rental Canada Ltd. However. Ryder’s goal is to provide continuity of employment should such reassignments occur. potential. Our goal is to manage Ryder’s growth and the changes within our workforce as our business continues to evolve. During that notice period. and Documented performance history. demonstrating our commitment to employees and preserving our company culture. this is balanced against productivity and profitability requirements prescribed by competitive and economic factors. challenging employment to our employees. Reassignment will be based on your: • • • Qualifications. Human Resources and management involved will strive to identify alternate job placement. and willingness to perform the work available. you will receive the appropriate advanced written notice. preference will be given to those employees with the greatest seniority. In situations where several employees who will potentially be reassigned will be seeking reassignment. If you are to be reassigned as a result of an impending change. all other criteria being equal. and Length of service with Ryder. We support a long-term approach to workforce management where we may sacrifice some short-term effectiveness or productivity to invest in retraining existing employees. Page 210 .Terminations Workforce Management Our objective is to provide continuing. either organizationally or technologically Geographic relocation of the position A permanent disability that is medically substantiated.

benefit coverage Version: December 2006 Ryder Truck Rental Canada Ltd. your supervisor requests you to leave prior to the end of your notice period. Page 211 . However. you are requested to provide Ryder with at least two weeks advance written notice. you may be paid for the remainder of that period. you decide to leave the Company. Vacation days may not be included in the two-week notification period. as sometimes happens. Ryder does not have a mandatory retirement age. may change once the employee turns age 65.Voluntary Terminations If. after due consideration. at the discretion of the Company. If. You will be paid for all your unused vacation hours that you have earned up to the point of your resignation date.

Page 212 . actions or performance violates or conflicts with Ryder’s policies may be terminated immediately and without prior written or oral warning for this or any other offence. it is the Corporation’s intent to: • • • Treat employees consistently with dignity and respect and maintain. The following examples of grounds for immediate dismissal are representative. in the Company’s judgment. vendors or suppliers Version: December 2006 Ryder Truck Rental Canada Ltd. visitor or customer of Ryder Possession of weapons on the premises Threats or acts of violence against other employees and/or customers. However.Involuntary Terminations Ryder takes its responsibility in establishing. there are certain serious offences that. may be appropriate for immediate termination with or without progressive discipline. of the types of activities that may result in your immediate dismissal: • • • • • • • • • • • • • • • • Breach of trust or dishonesty A felony conviction Wilful violation of an established policy or rule Falsification of Company records Gross negligence Insubordination Falsification of expense reports Abuse of travel and entertainment policies Conviction of a misdemeanour offence with a connection to your position Violation of the Harassment and Discrimination policy Time card or sign-in book violations Unauthorized absence from duty during regularly scheduled work hours Non-performance of work Theft or the unauthorized possession of. avoid negotiations around severance packages and avoid costs of litigation Ryder tries to correct unacceptable employee conduct through the use of progressive discipline. maintaining and terminating employment relationships very seriously. property belonging to any co-worker. In appropriately compensating terminated employees. the goodwill of terminated employees Comply with applicable legislation and remain consistent with external practices Control costs through reduced severance expenditures. to the extent possible. or the use of. Any employee whose conduct. but not all inclusive.

• • • • • • • • • • • • • Unauthorized possession. within the first three months of employment. competitor practices. Version: December 2006 Ryder Truck Rental Canada Ltd. Ryder may choose to end the employment relationship if performance expectations are not being met after corrective action/progressive discipline measures have been unsuccessful. economic conditions and the like. conducting games of chance or possession of related devices on the premises or during work hours Leaving the work premises during work hours without authorization Sleeping on duty Mistreatment of. Page 213 . performance expectations are not met. use or copying of any records that are the property of Ryder Unauthorized posting or removal of notices from bulletin boards Excessive absenteeism or lateness Marring. Ryder will consider court precedent and follow legislative requirements in its termination practices. equipment or property of Ryder Failure to call or directly contact your supervisor when you will be late or absent from work Fighting or serious breach of acceptable behaviour Violation of the Company’s Alcohol and Drug Policy Violation of Ryder’s Principles of Business Conduct Gambling. A probationary termination occurs if. defacing or other wilful destruction of any supplies. It will also consider relevant individual circumstances of the terminated employee. This could also result from an inappropriate fit between the employee and the position. or excessive complaints from customers Inability to accept constructive criticism The above list is neither exhaustive nor intended to be comprehensive.

your supervisor will make arrangements for you to return all Company property and. including. the end of your access to any of the Company’s systems. if appropriate. Commissions or bonuses that must be repaid in accordance with plans Salary advances or loans Unpaid balances on your corporate credit card Any other appropriate deductions as determined by the Company Version: December 2006 Ryder Truck Rental Canada Ltd. Page 214 . They are normally conducted on the employee’s last day of employment by Human Resources. Ryder may deduct from your final pay any money.Final Actions Exit interviews are usually conducted only when an employee resigns (voluntary termination). Your relocation. On your last day of employment with Ryder. or a member of management other than the employee’s immediate manager. Unless otherwise prohibited by law. The exit interview provides Ryder with an opportunity to assess the quality of the workplace. but not limited to: • • • • • • • Vacation taken but not earned. and identify any potential problems. which you may owe the Company. or A tuition reimbursement.

In addition. I also understand that nothing contained in this Handbook creates a promise of future benefits or a binding contract with Ryder for benefits or for any other purpose. I will seek clarification from the Human Resources department. the provisions of the collective bargaining agreement or customer contract supersede those in the Handbook. including the statements in “About this Handbook” describing the purpose and effect of the Handbook. I agree to read it thoroughly. Name (Please Print): SAP Number: Location: Position: Signature: Date: ___________________________________________ ___________________________________________ ___________________________________________ ___________________________________________ ___________________________________________ ___________________________________________ (Please detach or print this page and return this form to your manager) Version: December 2006 Ryder Truck Rental Canada Ltd. Page 215 . I understand that the Handbook states Ryder’s policies and practices in effect on the date of publication and that policies and procedures are continually evaluated and may be changed or eliminated at any time. I agree to abide by the policies in the Handbook and that if there is any policy or provision in the Handbook that I do not understand.Acknowledgment of Receipt of the Ryder Employee Handbook I acknowledge that I have received a copy of Ryder’s Employee Handbook (the Handbook). I understand that if I am covered by a collective bargaining agreement or a valid customer contract and specific provisions of that agreement or contract contradict the policies found in the Handbook.