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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Page 5 .Old Age Security (OAS) Employee Assistance Program (EAP) Employee Stock Purchase Plan (RyderShares) Safety At Work Safety. Health & Security Policy Accidents and Emergencies Use of Seat Belts Policies to Know Preventing Workplace Violence Ryder Drug and Alcohol Policy Computer. 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. E-Mail.

The Company will try to inform you of any changes as they occur. Please see your manager for any location specific policies. please refer to the Principles of Business Conduct & Ethics on pages 22-25.About this Handbook The purpose of this handbook is to provide you with a guide to your employment relationship with Ryder Canada. procedures. 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. location handbooks. Confidentiality This handbook and the information it contains are confidential. For more details in regards to confidential or proprietary information. except to Ryder employees or persons affiliated with Ryder whose knowledge of the information is required in the normal course of business. we had to be brief and have only included general information and guidelines. 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. We have tried to put as much information in this handbook as possible. Page 6 . manager. Exclusions This handbook contains Ryder’s policies. which contradicts the policies in this handbook. No portion of this handbook should be disclosed. so that you do not have to find the information you need elsewhere. practices. policies and benefits described here may be changed or discontinued from time to time with or without notice. The procedures. officer or other agent of the Company. 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. Please Note Any written or oral statement by a supervisor. Previous Documents/Changes The information in this handbook supersedes all policies. 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. However.

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

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

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

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

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

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

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

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

For more information. Page 15 . “R”. Version: December 2006 Ryder Truck Rental Canada Ltd. you have the opportunity to purchase Ryder shares at a discount through the RyderShares program. As a Ryder employee.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.

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

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. financing.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. Page 17 . including vehicle configuration. 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. purchasing.

commercial rental and programmed maintenance. As of December 31. managing crossborder transportation and freight movements. we have approximately 50 SCS customer accounts in Canada. 2003. operations. fuel services and compliance services.200 full service lease customer accounts in Canada. 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. Given the proximity of this market to our U. In 2003. 2003.000 commercial trucks.And Specifically About Canada… Ryder has been operating in Canada for over 40 years. Page 18 . The FMS operations in Canada include full service leasing. We also offer fleet support services such as insurance.S. As of December 31. we had over 1. counterparts. we had a fleet of approximately 10. the Canadian operations are highly coordinated with their U.S. tractors and trailers leased or rented through approximately 20 locations throughout 8 Canadian provinces.

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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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. and complies with all domestic and international anti-bribery laws such as the Foreign Corrupt Practices Act. you must immediately return all Ryder-related information. or any other unfair-dealing practices. equipment and property in your possession. suppliers or competitors that unfairly prevent or limit competition. sell or distribute Ryder’s confidential or proprietary information to any third party. Employees who reveal confidential information are subject to immediate and appropriate discipline. and when appropriate. customers. Antitrust and Fair Dealing Policy You must deal fairly with Ryder’s customers. When you leave the Company. up to and including termination. 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. abuse of privileged information. 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. concealment. The Company complies with the applicable privacy and data protection laws in the countries in which we operate. copy. However. misrepresentation of material facts. environmental protection.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. Information about competitors. Confidential or Proprietary Information of Ryder. competitors and employees. No one should take unfair advantage of anyone through manipulation. and suppliers is a valuable asset in our highly competitive industry. Never engage in activities with customers. Never engage in independent actions with respect to Version: December 2006 Ryder Truck Rental Canada Ltd. or could appear to do so. 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. suppliers. and pollution prevention in its business of providing transportation and logistics solutions around the world. or any other Ryder employee (unless it is on a “need to know” basis). Page 23 .

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

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

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

and have permission from your manager to apply. Ryder encourages all employees to improve their work by planning to learn from everyday work assignments. projects. Opportunities exist in your current position to challenge your capabilities and accelerate your development. To apply for a change in position you must normally have a record of good performance. The Job Posting will give a general overview of the position. the company does stipulate that employee’s not report to a family member. the exceptions to this are departments. You are encouraged to have a minimum of one full year in your current job. Version: December 2006 Ryder Truck Rental Canada Ltd. seminars and conferences in order to meet new challenges. responsibilities and qualifications. Page 27 . You can discuss your educational goals and desired career paths with them to further your professional aspirations. depending on the needs of both departments involved. but you may also pursue internal and external learning opportunities through courses. mentoring and by soliciting feedback from management and co-workers. and applications should be made during this time. Where appropriate. While Ryder doesn’t prohibit the employment of relatives. attendance and punctuality. However. which are currently overstaffed and have qualified employees available for transfer to the position. The job postings are available through Lotus Notes and are posted on bulletin boards in each location. please inform your manager or supervisor of your application. The usual duration of a posting is one week. Each candidate is judged on an individual basis. In all cases. and the employee’s qualifications. Creating a development plan will help you identify opportunities and develop the insights. or where candidates have been identified through the Senior Management Succession Planning process. You learn a great deal from day-to day challenges. Our goal is to post all open positions. where a potential layoff situation exists. 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. Transfers and Promotions Your Manager or Human Resources is available to work with you throughout your career with Ryder. Many Ryder employees have been approached by family and friends interested in working here.Recruitment. confidence and competence you need to take an active role in your success. Our Employee Referral Program provides an incentive and reward to employees for helping to attract the best candidates to the career opportunities at Ryder. Ryder promotes internal advancement by posting new opportunities for you to progress to more challenging positions.

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

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

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

and an expressed consent is deemed required.Employee Consent Under the Act. Expressed consent: Consent is given either orally or in writing (signing a consent form). Disclosure and Retention Ryder Canada is committed to only obtain. Should you need any changes to be made. 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. Ryder Canada is required to disclose your personal information to third party providers that perform services on behalf of the company. A list of the current third party providers is enclosed. Safeguarding Personal Information Ryder Canada has developed appropriate safeguards to ensure the personal information of all employees is secure. all employees concerned will be contacted. Page 31 . 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. employee consent can be defined as follows: Implied consent: Consent is reasonably inferred from the action/inaction taking place. retain or disclose personal information for the purpose it was requested. See Appendix “A”. it will remain protected under this policy. Limiting Use. Version: December 2006 Ryder Truck Rental Canada Ltd. If there is an emergency threatening life. health. or security. 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. you are required to inform the appropriate department. use. Rest assured that although your personal information is shared with third party providers. If Ryder Canada requires the personal information for other purposes. If the information is publicly available as specified in the regulations. Accuracy Ryder Canada will maintain accurate and complete personal information.

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

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. change or delete third party providers from this list as deemed necessary without prior notice or written consent. Page 33 . Version: December 2006 Ryder Truck Rental Canada Ltd. 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.C.

To comply with legal requirements such as Income Tax Act. To monitor attendance. promotion.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. To determine eligibility for salary increases. bonuses. training and development purposes. Employees can reasonably expect that Ryder Canada may require personal information for the following purposes: • • • • • • • • To pay employees through direct deposit. and other incentivebased compensation. agencies and government bodies administering those statutes. Version: December 2006 Ryder Truck Rental Canada Ltd. Workers’ Compensation. To determine suitability for employment. 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. Page 34 . Employment Standards. To administer all benefit programs. To determine physical and/or mental fitness for work. To review and evaluate performance.

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

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

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

You may not remove material from Company bulletin boards. 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.Solicitations. Version: December 2006 Ryder Truck Rental Canada Ltd. 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. Persons not employed by Ryder may not solicit Ryder employees on Company premises for any purposes. or has management approval. Please check with your manager in regards to where communications are posted at your location. 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.

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

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

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

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

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

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

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

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

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. This policy does not apply to employees covered by collective bargaining agreements. knowledge. The education must be completed on the employee’s own time.000 per calendar year. full-time or part-time employee at the beginning and end of the course for which tuition aid is requested. Version: December 2006 Ryder Truck Rental Canada Ltd. The employee must be classified as a permanent. up to a limit of $3. Manager and Senior Manager (manager once removed) approval must be obtained prior to enrolment.Training & Development At Ryder Our goal is to help employees develop the skills. Page 48 . 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. 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. 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. and valued as a key contributor to the success of the company. Human Resources will work with the manager to determine the best solution and assist in implementing that solution. A course is approved when the employee’s manager considers it work-related or a part of a work-related degree program. The tuition aid program provides 75% reimbursement of eligible expenses. 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. When a training need is identified.

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

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

Please check with your manager who receives a schedule each year. as approved by your manager. X X X X X X X X X Alta. 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. 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. Page 51 .Statutory Holidays All regular full time employees and regular part time employees are eligible for statutory holidays. 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. to receive pay for a holiday you must work the last scheduled workday preceding the holiday and the first scheduled workday following the holiday. In addition. X X X X X X X X BC X X X X X X X X X Man. you are also eligible for a floating holiday. In Manitoba. Version: December 2006 Ryder Truck Rental Canada Ltd. which is to be used on your birthday or the day closest to your birthday. there is an additional National holiday observed on June 24th. you will not be paid for it. there is an additional holiday for Family Day on the third Monday in August. Holidays on Weekends The Company observes paid holidays that fall on a weekend on another day. In Alberta. In Nova Scotia if an employee is required to work. Important: If you do not use your floating day. As an hourly employee. it is not provided that employees are paid for Remembrance Day if they are not required to work. he or she shall be given a holiday with pay on another agreed upon day.

employees earn vacation on their anniversary date of hire. their current weeks’ vacation accrual. if any. as well as the accrual for next years’ entitlement. 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. the accrual balance for that week ending will be used for calculating the new year vacation payment entitlement. When an employee reaches their vacation anniversary date.99 4 to 8. Hourly employees must take two weeks of their vacation entitlement as vacation time. This balance represents the amount outstanding from their current year entitlement. Ryder provides vacation time off with pay for regular full time or part time employees who work 30 hours or more per week.Vacation Policy Policy To provide opportunities for rest. as well as their total outstanding accrual balance. Eligibility is based on service with the Company. Employees will accrue vacation pay on a weekly basis according to the following schedule: Completed Years of Service 0 to 3. relaxation and personal pursuits. Eligibility Based upon continuous service with the Company. This is also the amount an employee would be paid if they were to terminate employment with the company.99 19 or more Vacation Accrual Process Hourly employees will see on each pay stub. Page 52 . 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.99 9 to 18.

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

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

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

newspaper obituary. The employee can take the day before the funeral. therefore if an employee were on vacation. funeral home notice).Bereavement Leave Policy In the unfortunate event of a death in a Ryder employee’s immediate family. Immediate Family Definition For the purpose of this policy. If additional time off is needed. Exceptions For all employees covered by a collective agreement. Bereavement leave covers only scheduled working days. Page 56 . bereavement leave would not apply. the Company will grant that employee a paid leave of absence of up to three days. employees may use vacation time or make arrangements with their manager for unpaid leave pursuant to the “Leaves of Absence” policy. death notice. the day of the funeral and the day after the funeral. Employees may be required to show proof of the death (i. Version: December 2006 Ryder Truck Rental Canada Ltd. 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.e. 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.

Benefits Your benefits will not continue during Personal Leave. 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. Page 57 . Version: December 2006 Ryder Truck Rental Canada Ltd. all regular full time and part time employees may be eligible for Personal Leave Without Pay. but otherwise your Personal Leave is without pay or benefits. you may be eligible for a personal leave without pay for a maximum period of 90 days within a rolling 12-month period. The different types of leaves are described below. Your manager and Human Resources Manager must approve your request. Personal Leave Without Pay Subject to approval by your manager and your Human Resources Manager.

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

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

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

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

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

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

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

Ontario M5V 3C5 to request that a copy of the Sun Life Privacy Brochure be sent to you. or send a written request by e-mail to privacyofficer@sunlife. or any other person that you authorize. You are entitled to consult the information contained in Sun Life’s file and.ca. West. The statements in this booklet are only a summary of some of the provisions in the master policy. These files are kept for the purpose of providing you with benefits under the Ryder group benefit plan. 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. 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. call 1 800 361-6212. Page 65 . or by mail to Privacy Officer. To find out more about the Sun Life Privacy Policy.Respecting Your Privacy Sun Life is committed to protecting your privacy.sunlife. Toronto. visit their web site at www. They maintain a confidential file in their offices containing personal information about you and Ryder’s contract with Sun Life. to have it corrected by sending a written request to Sun Life. Sun Life Financial.com. if applicable. 225 King St.

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

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

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

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

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

which exceeds 100% of income or expenses. Page 71 . 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. our plan will pay you no more than the amount needed to bring your total reimbursement up to the amount of your actual loss.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. In this situation. Our insurance company will contact you to obtain the information required to proceed. You will be required to sign an undertaking to reimburse our insurer for any amount recovered. If this situation arises. Version: December 2006 Ryder Truck Rental Canada Ltd. Before agreeing to a settlement of your claim. you must obtain our insurance company’s approval.

disability or death.Your benefits at a glance Compulsory government programs Program Summary Canada Pension Plan / Provides minimal protection Quebec Pension Plan in case of retirement. 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. Page 72 .

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

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

sunlife. Monday to Friday (excluding holidays) www.fgiworldmembers. 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. 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/member Sun Life 1-800-361-6212 Manulife Financial 1-888-727-7766 or www. 7:00 am to 8:00 pm (EST).ca/GRO FGI Canada-wide (English): 1800-268-5211 Canada-wide (French): 1800-363-3872 www.Insurers and Policy Numbers Please find below the contact name. number and policy numbers for the different components of your benefit plan.manulife.

but does not include a dependant.D. etc. • Standard scheduled hours per week for all eligible part-time employees. The base number of hours per week is: • 40 hours per week for all material handlers and shop employees. Means a doctor of medicine (M.) legally licensed to practice medicine. kilometers. by trips. 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. regardless of the method of remuneration (for example. accidental death and dismemberment.Defining Special Terms The table below contains the definitions of the key terms used throughout the Employee Benefits section of this handbook. 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. All members of the hourly benefit program.) will have benefit coverage for basic life. Calendar Year Member Physician Version: December 2006 Ryder Truck Rental Canada Ltd. Page 76 . • 45 hours per week for all drivers. Means January 1 to December 31 Means a person who is insured.

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

subject to a maximum benefit of $50. both your coverage and your family’s coverage will stop. your health and dental coverage will continue for both yourself and your eligible family members until you reach age 65.000. 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. Once you are eligible for coverage. Page 78 . At that time. please contact Human Resources. Unless you qualify for continuing benefits as described above.You were asking What do I need to do to change my coverage? If you wish to make changes to your benefits. please contact your manager for the appropriate forms. Version: December 2006 Ryder Truck Rental Canada Ltd. If you have any questions. Only your spouse and/or dependent children who meet the definition of eligibility are covered by the benefits program in addition to you. If you retire after at least five years of service. 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. This amount remains in effect for the rest of your life at no cost to you. Disability coverage also stops at retirement or age 65. My parents live with me and depend on me for support. What happens to my coverage if I change positions at Ryder? Eligibility for the benefits program is the same throughout Ryder. whichever occurs first. You may also contact Nadia Arnone at 905-812-2370 if you require further information. 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. Does the benefits program cover them? No. your health and dental coverage ceases at retirement. The rest of your life and accident insurance coverage and any coverage on your spouse and children cease at retirement. you have the opportunity to add this once a year to be effective August 1st.

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

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

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

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.000 for you and each covered dependant for the combined eligible expenses under Parts A. Version: December 2006 Ryder Truck Rental Canada Ltd. Termination Age: member’s 70th birthday or retirement. 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. Other maximums are listed under the appropriate Provision page. D and E. if earlier. **Maximum for eyeglasses/contact lenses every 24-month period for you and for each covered dependant. ***Limited to 31 days per disability. C. this benefit will be applied before the regular hospital benefit. NOTE: If optional hospital is elected. B. Page 82 . ****Optional Hospital Benefit: additional 31 days per disability. Lifetime Maximum: $350. The deductible applies to the combined eligible expenses of Part C and E.

Version: December 2006 Ryder Truck Rental Canada Ltd. in the province of residence of the member. Termination Age: member’s 70th birthday or retirement. 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.000** ** ** $1. 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. For expenses incurred in Alberta. **The maximum amount payable applies to the combined eligible expenses incurred in a calendar year under Parts A. for expenses incurred outside Canada.500*** *The deductible applies per calendar year. Page 83 . B and C 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. 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. C and D. 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.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. if earlier. or outside Canada by an Alberta resident.

for expenses incurred outside Canada. if earlier. Termination Age: member’s 70th birthday or retirement. **The maximum amount payable applies to the combined eligible expenses incurred in a calendar year under Parts A.500*** *The deductible applies per calendar year. 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. For expenses incurred in Alberta.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. 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. Page 84 .500** ** ** $1. or outside Canada by an Alberta resident. 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. in the province of residence of the member. C and D. ***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. B and C for you and for each covered dependant. 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.

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

The intentional omission. 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. • The plan where the member is a part-time employee. Version: December 2006 Ryder Truck Rental Canada Ltd. priority of payment will be attributed in the following order: Member 1. and The reimbursement percentage is applied. Page 86 . To determine the amount payable. 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. payment under the other plan must be made first. is subtracted. the total amount of eligible expenses you claim will be adjusted as follows: • • • The maximums described throughout the extended health benefit provisions are applied. Then the deductible. 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. 2. The plan where the person is covered as a member. which must be satisfied each calendar year. misrepresentation or falsification of information relating to any claim constitutes fraud.Extended Health Care Plan This plan helps pay for many supplies and services not covered by your Provincial Plan. If a person is covered under two plans.

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

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

• 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. Page 89 . on the date of termination of your coverage. 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.• Out-of-province expenses for elective (non-emergency) medical treatment or surgery. • 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. regardless of the availability of work for you.

5. syringes. provided they are medically necessary for the treatment of disease or injury. 2. and chemical diagnostic aids for the treatment of diabetes. or requiring a prescription. 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. Page 90 . Your Version: December 2006 Ryder Truck Rental Canada Ltd. prescribed by a physician or dentist and dispensed by a registered pharmacist or physician: 1. compounded prescriptions where one of the ingredients is an eligible expense. which legally require a prescription and are identified in the Monographs section of the current Compendium of Pharmaceuticals and Specialties as a narcotic. 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.Extended Health – Pay Direct Drug Benefit Eligible Expenses Eligible expenses are the reasonable and customary charges for the following items of expense. controlled drug. needles. drugs.

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

Means a member of the Canadian Association of Optometrists or of a provincial association associated with it. Version: December 2006 Ryder Truck Rental Canada Ltd. Page 92 . 3. Reasonable and customary charges: Eligible Expenses Eligible expenses mean reasonable and customary charges for the following items of expense: 1. eye examinations by an ophthalmologist or optometrist limited to one examination in a 24-month period. 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. 2.Extended Health – Vision Benefit Definitions Ophthalmologist: Optometrist: Means a person licensed to practice ophthalmology. eyeglasses and contact lenses certified by an ophthalmologist as necessary due to a surgical procedure or the treatment of keratoconus. expenses incurred under any of the conditions listed on the Extended Health Provision page as an Exclusion. eyeglasses and contact lenses and repairs to them that are necessary for the correction of vision and are prescribed by an ophthalmologist or optometrist. 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. Exclusions No benefit is payable for 1. 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.

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

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

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

oxygen. Page 96 . 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. violent and accidental means. braces. 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. and. 5. 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. 13. 7. and services shall be limited to 100 hours per month. and a calendar year maximum of $25. diagnostic laboratory and x-ray examinations. A physician's prescription is not required. 14. trusses and crutches. 8. the services of a dental surgeon. orthopaedic modifications to shoes. hearing aids and repairs to them. excluding batteries.000. 4. 11. orthopaedic shoes. the services and return air fare for a registered nurse. provided they are not solely for athletic use. 12.program provided however that covered expenses shall be limited to the same hourly rate as that payable by such home care program. if the patient requires the services of a registered nurse during the flight. when they are required for the correction of deformity of the bones and muscles and provided they are not solely for athletic use. including dental prosthesis. artificial limbs or other prosthetic appliances. 10. 6. limited to $150 for eligible expenses incurred during a 5-year period. Version: December 2006 Ryder Truck Rental Canada Ltd. 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. 9. blood glucose monitors for insulin dependent diabetics. limited to $150 in a calendar year. limited to $750 for eligible expenses incurred during a 3-year period. and orthotics.

after deducting the amount payable by a government plan. 16. expenses for the services of a registered nursing assistant (R. services of a physician limited to. traction kits. Version: December 2006 Ryder Truck Rental Canada Ltd. the level of physicians' charges in the patient's province of residence. except those specifically provided under Eligible Expenses for treatment of accidental injuries to natural teeth.N. e.P. public ward accommodation and auxiliary hospital services in a general hospital limited to. items such as: a. b.). dental expenses. a. after deducting the amount payable by a government plan. expenses incurred under any of the conditions listed on the Extended Health Provision page as an Exclusion. but is not limited to. c. limited to a lifetime maximum of $250. wheel chair repairs. b.) or homemaker. 4. hospital beds. wheel chairs. licensed practical nurse (L. Eligible durable equipment includes. $75 a day for 60 days in a calendar year. walkers. 3. 5. 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. Exclusions No benefit is payable for 1.N.A. expenses for items purchased solely for athletic use.15. or purchase at our option. Page 97 . rental. of durable equipment which is required for temporary therapeutic use in the patient's home and is approved by Sun Life. d. Items of expense incurred outside Canada are eligible only if they are not offered in any province in Canada. utilization fees which are imposed by the provincial health care plan for the use of a service. 2.

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

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

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

4. physician and hospital referrals. (Washington. hospital or translator). you are one call away from Worldwide Assistance Services. on-going monitoring of medical treatment if a family member is hospitalized. By calling the 24-hour helpline. 5. 3.Travel Assistance Services Benefit This benefit is available for the first 60 days of any trip away from home. 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. payment assistance for hospital/medical expenses. Page 101 . 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. With Medi-Passport from Sun Life. DC). one of the largest and most experienced emergency assistance companies in the world. 6. your family. Version: December 2006 Ryder Truck Rental Canada Ltd. a telephone interpretation service. 2. a message service for you. friends and business associates. 7. legal referrals. 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.

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

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

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

If the other plan does contain a co-ordination of benefits clause. 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. misrepresentation or falsification of information relating to any claim constitutes fraud. and 3. the plan where the member is a retiree. the maximums specified in the Summary of Benefits are applied. The plan where the person is covered as a member.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. • • • The plan where the person is covered as a member. priority goes to the plan where the member is a full-time employee. Spouse 3. the deductible. which must be satisfied each year. priority of payment will be attributed in the following order: Member 1. the total eligible expenses claimed are adjusted as follows: 1. The intentional omission. payment under the other plan must be made first. Version: December 2006 Ryder Truck Rental Canada Ltd. is subtracted. the reimbursement percentage is applied. Sun Life reserves the right to refuse any assignment of benefits under this provision. 2. the plan where the member is a part-time employee. Page 105 . If a person is covered under two plans. To determine the amount payable. 2.

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

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

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

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

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

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

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

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

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

You are encouraged to take advantage of the pre-treatment review process to avoid unpleasant surprises. you may find our in advance how much of the cost will be covered by this plan. Version: December 2006 Ryder Truck Rental Canada Ltd. 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. 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.Pre-Treatment Review If you or an eligible family member requires major dental work.

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

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

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

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

Permanent injury or loss of function due to an accident is another risk that can have serious financial consequences. These benefits are paid in addition to the survivor benefits provided by Ryder’s basic and optional life and accident insurance plans. Termination of Insurance: • Life: -none • Accidental Death and Dismemberment: 70th birthday or retirement. especially those who are partly or entirely dependent on us for support. Survivor Protection Summary of Insurance Life Insurance and Accidental Death & Dismemberment: Class of Members Hourly Employees Benefit Formula 1X earnings Maximum Benefit $850. 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. available through Ryder’s benefit program at competitive group rates. Page 120 . Ryder pays the full cost of this basic coverage. 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). Ryder pays the full cost of the Retirement Plan and makes contributions on your behalf to the other plans.000 Benefit Reduction: Reduces by 50% on 65th birthday. You can build on this foundation by selecting optional life and accident insurance benefits for yourself and your family members.Survivor Protection Introduction For peace of mind. Ryder lays the foundation for solid financial protection by providing you with basic life and accident insurance.

000 $250. or the spouse’s 65th birthday. Optional Dependant Life Insurance Spouse: units of $10.Hourly Employees Units of $10.000 to maximum $250. Version: December 2006 Ryder Truck Rental Canada Ltd. Page 121 . your Life Insurance only may be continued. If no beneficiary has been appointed or if the beneficiary has predeceased you. 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.000 Each child: $10.000 Each child: $10. 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. payment will be made to your estate.000 to maximum $250. if you are also insured for group Long Term Disability Insurance with Sun Life. when you begin receiving group Long Term Disability payments. retirement. The claimant must submit proof of the claim and the right to receive the benefit to Sun Life. Optional Dependant Accidental Death & Dismemberment Insurance Spouse: units of $10. if earlier. If you become totally disabled before age 65. Claims A death claim must be received by Sun Life within 6 years of the date of death.000 Termination of Insurance: the earlier of the member’s 65th birthday. retirement.000 Termination of Insurance: 65th birthday or retirement. or the spouse’s 65th birthday.

Proceedings must be started within 1 year of Sun Life's receipt of the proof of claim. There is a time limit for proceedings against Sun Life for payment of a claim. 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. or $200. if the previous policy was replaced by this provision within 31 days of its termination. 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. 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. This exclusion does not apply to a member who was insured for similar coverage under a previous policy issued to this group. . and this provision continues in force. This exclusion does not apply if you. • If your insurance terminates while this provision continues in force and you die within 31 days after termination of insurance. Page 122 Version: December 2006 Ryder Truck Rental Canada Ltd. after becoming insured. consultation. If you become totally disabled and are not insured for group Long Term Disability Insurance with Sun Life. Premiums will not be waived if a disability is related to a pre-existing condition and begins within 12 months of you becoming insured. 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. At Termination If your Life Insurance terminates because you are no longer eligible. Death Benefit Exclusions A "pre-existing" condition is one for which you received medical attention.000 (Basic and Optional Life Insurance combined). during the 12 months before you became insured.If you become totally disabled and are also 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. diagnosis or treatment. you may convert it to an individual policy on your life up to the lesser of • • the amount of the insurance terminated.

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

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

if the beneficiary has predeceased you. If a claim is submitted for Occupational Training for Spouse. 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. Schedule of Losses Loss of Life Hemiplegia Paraplegia Quadriplegia Loss of Both Hands. If a claim is submitted for Education Benefit for Dependant Child. Sun Life will pay your estate. Depending on the loss suffered by you. If a claim is submitted for Repatriation. If no beneficiary has been appointed or. Page 125 . we will pay your estate. Sun Life will pay your spouse.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. the amount of benefit is limited to the percentage shown in the Schedule of Losses. The amount of dismemberment benefit will be paid to you. 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. Sun Life will pay your dependent child.

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

travelling. A claim for a loss must be received by Sun Life within 3 months of the date of the loss. or clothing expenses. A post-secondary institution includes any accredited university. 5% of your amount of benefit. trade school. up to 4 consecutive years. 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. There is a time limit for proceedings against Sun Life for payment of a claim. Proceedings must be started within 1 year of Sun Life's receipt of the proof of claim. 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. or clothing expenses. No payment will be made for: 1. he enrols as a full-time student at a postsecondary institution. after Sun Life receives proof that your dependent child is enrolled as a full-time student at a post-secondary institution. The claimant must submit proof of claim and the right to receive the benefit to Sun Life. room or board or other ordinary living. community college. Exclusions Version: December 2006 Ryder Truck Rental Canada Ltd. Education Benefit for Dependent Child If you suffer loss of life. colleges d'enseignement general et professionnel. or 2.000. 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. within 365 days of the date of the accident. travelling. All other claims must be received by Sun Life within 3 months of the date that the expense is incurred. The amount of benefit will be paid each year. $5. or 2. or private college that provides an education above the secondary school level. Page 127 . your dependent child is a student at the secondary school level and. Claims A death claim must be received by Sun Life within 6 years of the date of death.No payment will be made for room or board or other ordinary living. 2.

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

Repatriation If your dependant suffers loss of life. The loss must occur within 365 days of the date of the accident. That loss will be the highest of the losses suffered by your insured dependant. your Dependant Accidental Death and Dismemberment Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived. If you become totally disabled. Page 129 . provided all of the following conditions are met: • • The accident must occur while your dependant is insured under this provision.000. A claim for a loss must be received by Sun Life within 3 months of the date of the loss. The claimant must submit proof of claim and the right to receive the benefit to Sun Life. Sun Life will pay the amount of benefit for only one loss. The accidental death must occur at a distance of 150 kilometres or more from your dependant's place of permanent residence. for the preparation and transportation of your dependant's body from the place of the accident to his place of permanent residence. Claims A death claim must be received by Sun Life within 6 years of the date of death. All other claims must be received by Sun Life within 3 months of the date that the expense is incurred. No benefit is payable for any loss suffered by an insured dependant if the loss occurs before he reaches the age of 2 years.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. limited to a maximum of $10. 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. the amount of benefit will be paid. Sun Life will pay the reasonable and customary expenses. Version: December 2006 Ryder Truck Rental Canada Ltd. 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.

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

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

financial assistance may also be available from government plans. Page 132 . the benefits provided by Ryder’s plans may be subject to an adjustment. 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. In this case. Version: December 2006 Ryder Truck Rental Canada Ltd. In some circumstances. Ryder pays the full cost of your Short Term Disability coverage. 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.Disability Benefits Introduction Loss of income due to illness or injury is a serious financial risk for anyone who works for a living. you may also be eligible for benefits under Ryder’s Accidental Death and Dismemberment Plans (see the Survivor Protection section for more details). If you become disabled due to an accident.

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

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

to apply for the benefit. 4. 5. You will receive payment for approved disability claims from Sun Life directly. and Employee and Attending Physician Statement. 8. 7. Your medical diagnosis and treatment plan are kept strictly confidential with Sunlife. Page 135 . Notify your manager of any absence from work. If your absence exceeds. 3. Communication between you and your immediate manager is required as per Ryder policy while you are absent from the workplace. Ryder will be informed only of your ability or inability to function within your own job duties. 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. or you know it will exceed 3 consecutive working days and you did not get sick or injured at work. You will receive notification of your benefit status and expected return to work date. The fax number at Sunlife is 1-866-209-7215. 6.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. every day that you are going to be absent. 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. You are in no way obligated to reveal the nature of your medical condition/diagnosis to your manager or anyone at Ryder. Your manager is responsible for providing you with the appropriate form. and the expected duration of your absence. Version: December 2006 Ryder Truck Rental Canada Ltd. you are required to let your manager know immediately. 2. 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.

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

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

Version: December 2006 Ryder Truck Rental Canada Ltd. 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. plus extra Plan benefits if you have dependent children. and a further 11 weeks from Employment Insurance. if totally disabled. to a maximum benefit of $10. The participation in this benefit is automatic and paid for by Ryder.In Summary… Plan Ryder Disability Benefits Short Term Disability After 1st day of accident/hospitalization or 4th day of Plan illness. 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. Workers’ Compensation Continues a significant portion of your earnings if you are unable to work due to a work-related injury or disease. it is a tax-free benefit. Employment Insurance Pays a sickness benefit equal to 55% of your insurable earnings for up to 15 weeks. Canada/Quebec Pension Pays a monthly disability pension for you. pays partial weekly earnings for up to 15 weeks by Sun Life. Government Disability Benefits Your Ryder disability benefits are coordinated with the following government disability benefits. Long Term Disability The participation in this benefit is mandatory and is paid for by the employee. After 26 weeks of disability. Page 138 .000 per month. Due to the fact the employee pays the premiums for this benefit.

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

Version: December 2006 Ryder Truck Rental Canada Ltd. Eligible part-time employees will be based on standard scheduled hours per week. Life and Accident coverage continues. kilometres.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). While you are receiving Long Term Disability benefits: ♦ your Health and Dental coverage continues for the first two years of long term disability. Now and until future notice. all of your Health. 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. Page 140 . by trips.e. 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. However. regardless of the method of remuneration (i. Other Benefits While Disabled While you are receiving Short Term Disability benefits. 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. Dental. if you need to start your leave earlier than planned due to medical difficulties validated by a medical certificate. you must continue to make your own premium payments for any optional benefits. 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.) will have benefit coverage for basic life insurance. you will be eligible for short-term disability benefits during this period. etc. Also. then stops ♦ your Life and Accident coverage continues for the duration of your disability.

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

maximum** *The first 15 weeks are payable at 70% of regular weekly earnings. provided through an insurance contract These benefits are integrated with your sickness benefit from Employment Insurance (EI) as shown below.I. **The E.*** Version: December 2006 Ryder Truck Rental Canada Ltd. Page 142 . Qualifying Period • • 3 consecutive work days of total disability. or. the period before the first day the patient was admitted to a hospital as an in-patient who is hospitalized overnight. 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 next 11 weeks are payable at the difference between E. Class of Members Hourly Employees Benefit Formula 70% of weekly earnings (up to the EI Maximum)* Maximum Weekly Benefit E. Workplace Safety and Insurance Act or other similar legislation’s benefits Total disability or Totally disabled means that. and 70% of regular weekly earnings. Basic Reductions: QAA benefits and Workers' Compensation. provided through an insurance contract ♦ the Ryder Supplementary Unemployment Benefit (SUB). The availability of work for the member does not affect the determination of "totally disabled". maximum is equal to the current percentage of the maximum insurable earnings in force under the Employment Insurance regulations at the beginning of disability.I.I. if shorter. 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.Short Term Disability Benefits Ryder’s Short Term Disability Plan consists of two types of benefits: ♦ the Short Term Disability benefit.

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. Benefit Period: 26 weeks Termination Age: 65th birthday or expiration of the Benefit Period. Let’s assume a person is responsible for your disability. you would reimburse Sun Life for the loss of income benefits Sun Life has paid. is paying or has paid your loss of income benefits. Workplace Safety and Insurance Act or similar legislation’s waiting period. the qualifying period will equal the Workers' Compensation.***Where Workers' Compensation. If you are absent from active work for more than half of a day because you are totally disabled. and is required to compensate you for any of the loss that results from your disability. The weekly benefit is payable concurrently with any disability benefit you are entitled to receive under the Worker’s Compensation Board. Page 143 . If you receive an amount for future loss of income. Benefits are payable from the later of: • the end of the qualifying period. the right to be reimbursed for benefits paid to you if you have been compensated by another person who is responsible for your loss. Workplace Safety and Insurance Act or similar legislation’s benefits are payable. In that case. If Ryder Truck Rental Canada Ltd. that amount will reduce your future loss of income benefits from Ryder Truck Rental Canada Ltd. 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. 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 absence is considered one day of disability. Workplace Safety and Insurance Board or other similar board. If you are receiving disability income or retirement income from other sources. Version: December 2006 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. The intent of subrogation is to limit your benefit payments to the amount you actually lost.

Before agreeing to a settlement of your claim. No benefit is payable during any leave of absence mutually agreed upon by you and your employer. 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. • a disability due to civil disorder or war. which exceeds 100% of income or expenses. whether or not war was declared.’s approval must be obtained. Once you are compensated by the person who is responsible for your loss. 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. Page 144 . Ryder Truck Rental Canada Ltd.Subrogation also applies to any medical and/or dental expenses you have been paid as a result of an injury caused by another person. Version: December 2006 Ryder Truck Rental Canada Ltd. If subrogation applies to your claim. a physician or an institution provincially designated for that treatment. You will be required to sign an undertaking to reimburse Sun Life for any amount recovered. you will continue to be eligible for this benefit as if it were still in force. 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. 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. At Termination If this Weekly Indemnity provision terminates while you are totally disabled. Exclusions and Limitations No benefit is payable for • a disability due to intentionally self-inflicted injuries. Sun Life will contact you to obtain the information required to proceed.

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

These benefits are not payable after your death. any subsequent disability will be considered as a new claim. a disability will be considered to be a new claim if it results from an injury or sickness. Page 146 . including those described above. 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. claims must be submitted no later than 3 months after you become disabled. Version: December 2006 Ryder Truck Rental Canada Ltd. After 90 days. Claims To qualify for payment. but an existing claim will be paid for the remainder of the benefit period. does not exceed 100% of your earnings at the time you became disabled. Termination of Benefits Your Ryder Short Term Disability benefits will stop after 26 weeks of payments or earlier. In any event. 100% Rule: Your Short Term Disability benefits will also be reduced so that your combined income from all sources. and then become disabled again.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. 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. which is entirely unrelated to the cause of the previous disability. 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.

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

85% of your gross monthly earnings in force on the date you became totally disabled if the benefit is subject to income tax. the Workers’ Compensation Act.000 Monthly Disability Benefit Your monthly disability benefit is the lesser of 1. below: 1. your monthly disability benefit is subject to income tax. e.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. are unable to perform the regular duties or your normal occupation. Workplace Safety and Insurance Act or other similar legislation. the Canada/Quebec Pension Plan or a similar pension plan. If your employer pays any portion of the Long Term Disability premium. Definition of “Totally Disabled” For Long Term Disability benefits. the benefit formula applied to your gross monthly earnings. c. Workplace Safety and Insurance Act or other similar legislation. an automobile insurance policy. your monthly disability benefit is not subject to income tax. 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. the Workers’ Compensation Act. If you pay 100% of the Long Term Disability premium. less any disability and retirement income you receive from: a. b. “totally disabled” is defined as follows: ♦ during the 26-week qualifying period and the next two years. Page 148 . limited to the maximum monthly benefit. the Canada/Quebec Pension Plan or a similar pension plan. less any disability and retirement income you receive from: a. b. it means you are totally and continuously disabled due to illness or an off-the-job injury and. another group insurance policy. a retirement income plan providing income that becomes payable after you are no longer actively at work. d. 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. excluding benefits for dependent children. ♦ after this time. 2. excluding benefits for dependent children. as a result. and 2.

until age 65 or earlier recovery. Medical evidence must be provided on request and renewed periodically. you must be under the active and continuous care of a Version: December 2006 Ryder Truck Rental Canada Ltd. Page 149 . Now and until future notice. you must be actively supervised by and be receiving continuous treatment for that disability from a rehabilitation centre. Qualifying Period: later of 26 weeks or expiration of Weekly Indemnity and EI benefit payment periods. *Earnings Explanation of Benefits Calculations – all employees on the hourly benefit program. 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. Benefits continue as long as you continue to qualify. 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. etc. For psychological disorders.) will have benefit coverage for basic life insurance. regardless of the method of remuneration (i. Cost You pay the cost of this insurance (for a tax-free benefit). kilometres.Your condition must be a mental or physical impairment that can be medically assessed.e. Eligible part-time employees will be based on standard scheduled hours per week. 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. For drug and alcohol disability. by trips. a physician or an institution provincially registered for that treatment. you will be eligible for Long Term Disability benefits. You may also be required to undergo a medical examination by a physician designated by the insurance company. These benefits start after you have been disabled for 26 weeks (the “qualifying period”). 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.

including your rehabilitative earnings. you will not be eligible for Long Term Eligibility benefits. including those described above. If this happens. 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. the insurance company will assist you through a rehabilitation program designed to help you return to your own job or other suitable work. does not exceed 85% of your net earnings at the time you became disabled.psychiatrist or registered psychologist and be following the treatment prescribed for that disability. Version: December 2006 Ryder Truck Rental Canada Ltd. 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. In any case. this restriction is removed after you have been insured for at least 12 months. Rehabilitation Where appropriate. This restriction is removed if you work three consecutive months with no absence related to the condition for which you received medical attention. Income from Other Sources When you are disabled you may be eligible to receive disability benefits from other sources. does not exceed 100% of your earnings at the time you became disabled. If necessary. your benefit will also be reduced so that your combined income from all sources. you may continue to receive Long Term Disability benefits. Page 150 . If you enrol in a rehabilitation program approved by the insurance company.

any subsequent disability will be considered as a new claim. Joyce can be reached at 905-812-2383.Recurring Disability If you have been receiving Long Term Disability benefits and you return to work. you should submit a Long Term Disability claim as soon as possible. a disability will be considered to be a new claim if it results from an injury or sickness. 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. 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. claims must be submitted no later than 3 months after the end of the 26-week qualifying period. and then become disabled again. Page 151 . Version: December 2006 Ryder Truck Rental Canada Ltd. To qualify for payment. After 6 months. In any event. Claim forms are available from your manager or Joyce Lafleur. Claims If you are likely to be off work for more than 26 weeks. which is entirely unrelated to the cause of the previous disability.

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

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

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

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. 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.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. 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. anytime after you Ryder complete 2 years of continuous service (full-time employees). 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). 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. .

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. Page 156 .Government–Sponsored Plans Canada/Quebec Pension Plan (C/QPP) Old Age Security (OAS) provides a life-time monthly pension. may start as early as age 60 provides a life-time monthly pension starting at age 65.

Page 157 . 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. You should contact the Payroll Department to obtain copies of the relevant forms. Government Registration{ TC } The Retirement Plan for Employees of Ryder Truck Rental Canada Ltd. The plan is administered by Version: December 2006 Ryder Truck Rental Canada Ltd. Currently. the benefit(s) will be paid to your estate. is registered under the Pension Benefits Act (Ontario) and with the Canada Revenue Agency under Registration No. such statements will be provided to you semi-annually. death benefits are automatically payable to your surviving spouse or same-sex partner. Under the Retirement Plan. If you do not name a beneficiary. Please contact your Plan Administrator if you wish to review or change your beneficiary designation. 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. the Group Registered Retirement Savings Plan and the defined contribution component of the Ryder Retirement Plan can also be viewed through the Internet.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. if you have one. You will also receive regular statements showing the status of your account in the Group Registered Retirement Savings Plan. 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. Please contact your Benefits Administrator to determine how to access information on your accounts through the Internet.0531491.

The Deferred Profit Sharing Plan for Canadian Employees of Designated Subsidiaries and Affiliates of Ryder System. Version: December 2006 Ryder Truck Rental Canada Ltd. 0678565. The plan has a fiscal year ending December 31. 206-045. 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. Inc.Ryder in accordance with applicable pension legislation.

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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Earnings: Your earnings for pension purposes include your base pay. For periods of credited service in which you have no earnings. or with another company acquired by Ryder or that participates in the plan. bonus and holiday pay. overtime pay. Version: December 2006 Ryder Truck Rental Canada Ltd. car allowances and moving expenses.500.100. but exclude special compensation such as stock options. This is the maximum amount of your annual earnings on which you make contributions to the C/QPP. Page 163 . Continuous service includes certain periods of disability and authorized leaves of absence. The YMPE is increased each year to reflect increases in the Average Industrial Wage. your earnings rate immediately prior to the interruption will be used for pension purposes if your absence meets the requirements for pension accrual. 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. For 2005.Terms Used to Determine Your Benefit Continuous Service: Your uninterrupted service with Ryder. commissions. Plan membership includes certain periods of disability and authorized leaves of absence as described later in this section. the YMPE is $41. “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). the YMPE was $40. For 2004. from the date you commenced such service.

the assets relating to the defined benefit component accumulate and are held in the Pension Fund for purposes of the plan. A Pension Account is set up in your name. you will receive a credit based on the formula in effect at the time. However. in an amount equal to 1/12 of the total annual benefit credits in your Pension Account as calculated above. 1997. Page 164 . It is important to note that your Pension Account does not contain assets per se. Your total Pension Account benefit may be limited by the maximum limits imposed by the Income Tax Act (Canada). (i) defined benefits. At retirement. including. Pension Account Formula For each year of Plan Membership on or after January 1. and (ii) defined contribution benefits. all according to the terms of the plan.1 % of your Earnings up to the YMPE plus 1. 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. which are notionally credited to your Pension Account. Your normal retirement benefit will be paid monthly. each year throughout your career. nor are contributions made to your Pension Account per se. notional “credits” are added to your Pension Account.Retirement Benefits The Ryder Retirement Plan provides two kinds of pension benefits. without limitation. Version: December 2006 Ryder Truck Rental Canada Ltd. the total “credits” in your Pension Account represent the annual income you will receive if you retire at age 65. 1997.5% of your Earnings above the YMPE For years of Plan Membership before January 1. you will receive a Pension Account credit for an amount of annual pension equal to: 1. 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. Rather.

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

462.000.40 $2.288.500.0 If this individual’s earnings continued at the same rate.1% x $39.95 $214.5% x $5.00 $5.00 Version: December 2006 Ryder Truck Rental Canada Ltd.154.00 $2.577.500.00 $13.00 $4.000) A) PENSION ACCOUNT ANNUAL BENEFIT CREDIT 1.00 $10.000 = $450.40 If this individual’s earnings continued at the same rate with no change in YMPE.$39. the retirement savings in his/her Retirement Account would increase as follows: Years of Participation 1 5 10 20 30 Total Retirement Account Balance* $450.250.50 $515.308.00 Monthly Benefits $42.00 $1. Page 166 .The following example shows how these two types of benefits work.50 $859.900) Total Annual Benefit Credit $438. 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 $515.75 $429.50 RETIREMENT ACCOUNT ANNUAL ALLOCATION: 1% x $45.90 $ 76.100 ($45.000 .00 $9. EXAMPLE (Assuming earnings in 2003 of $45.00 $15.900 (2003 YMPE) Plus 1.

Note: Special conditions apply under certain pension laws. 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). you will continue to earn benefits under this plan until your actual retirement date.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. 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. Page 167 .16% 75% 70. Not a guarantee of any particular level of investment return. Benefits on Early Retirement If you choose to retire early.67% 62. 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.74% 79.66% 83. 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. your actual retirement date cannot be later than December 1 of the year in which you attain age 69. Actual returns may vary. 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% 91.84% 66.

or such other amount as required under applicable legislation.a monthly income payable to you during your lifetime and guaranteed for 10 years. where applicable): 10 Years Certain and Life . After you begin to receive government benefits. you may waive the spousal or samesex partner benefit by signing the applicable waiver form where permitted by applicable legislation. after your death. Your retirement benefit will be adjusted to take into account the 10-year guarantee if you elect this option. your monthly income is reduced. at which time the benefit will cease. 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. of your reduced pension will be paid to your spouse or same-sex partner for his/her remaining lifetime. 66%. 75% or 100% (depending on the percentage you choose) of your monthly income continuing to your surviving designated beneficiary for life. Joint and Contingent Options . below: Optional Forms*: The following options may be elected in lieu of the normal form (with a signed waiver.an increased monthly income payable to you until the date you are expected to begin to receive benefits from government-sponsored retirement plans. If you and your spouse or same-sex partner wish. You may then choose one of the forms of pension payment listed under Optional Forms. If you have a spouse or same-sex partner your retirement benefit includes a surviving spouse’s or same-sex partner’s pension. Level Income Option .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. Your monthly income will be adjusted to reflect the payment to your surviving contingent beneficiary following your death. Page 168 . In the event of your death during the 10-year period. 60%.A monthly income payable to you during your lifetime. 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. with 60%. your total Version: December 2006 Ryder Truck Rental Canada Ltd. This way. your designated beneficiary will receive the same monthly benefit for the remainder of the 10 years.

Payment of Your Retirement Account Benefit On retirement. There are no retirement plan benefits payable to anyone after your death. Disability Benefit If you are totally and permanently disabled. 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. the form of pension and the annuity rates available when you retire. 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. Version: December 2006 Ryder Truck Rental Canada Ltd. If you elect to purchase an annuity. should be about the same. the annuity contract must include the spousal or samesex partner benefit described under “Normal Form” above. as defined in the plan and in receipt of the C/QPP disability benefit. Maternity and Parental Leave Where required by provincial law. 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. This option is available only to active participants who are eligible for and request early retirement with immediate benefits upon termination. During this period. You may then choose another form of annuity payment. you will continue to earn Pension Account and Retirement Account credits under this plan during any maternity and parental leave. both before and after your government benefits begin. If you and your spouse or same-sex partner wish. subject to any time limit under applicable legislation. Page 169 . the amount of your annuity will depend on your age.income each month. you will receive a disability pension from the Ryder Retirement Plan provided you are age 45 and have 15 years of continuous service. * Other options for payment may be permitted under applicable pension legislation. If you have a spouse or same-sex partner and you elect to purchase a life annuity.

subject to an actuarial reduction. Retirement Account If you terminate employment after you have Vested Rights in your Retirement Account. Page 170 . 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. 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). Locked-in Benefits If you have Vested Rights. 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. Pension Account If you terminate employment after you have Vested Rights. you will receive any benefits you earned under your Pension Account.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”. 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. 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. the benefits you have earned in respect of your Pension Account and your Retirement Account balance are locked-in. 1987 and January 1. These Pension Account benefits will be payable commencing at your normal retirement date. Version: December 2006 Ryder Truck Rental Canada Ltd.

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). 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. at the time of your death. Death Before Retirement If you die after becoming entitled to Vested Rights. In addition. receive a lump sum payment equal to the value of your Pension Account benefits earned to the date of your death. If you die before becoming entitled to Vested Rights. 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). As indicated previously. you were age 55 with at least 10 years of Continuous Service. subject to the requirements of any applicable pension laws. in lieu of the lump sum payment described above. unless your spouse or same-sex partner has waived such entitlements in accordance with applicable legislation where permitted. 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. your designated beneficiary will receive this payment in a lump sum. 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. transfer this payment to an RRSP. same-sex partner or beneficiary would not receive any benefits from the plan. 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. unless your spouse or same-sex partner has waived such entitlement in accordance with applicable legislation where permitted. plus the value of your Retirement Account balance at your date of death. 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. your spouse or same-sex partner will. you cannot take a cash withdrawal of the funds they must be used to provide retirement income. subject to the requirements of any applicable pension laws. Version: December 2006 Ryder Truck Rental Canada Ltd. your spouse. 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. unless your spouse or same-sex partner has waived such entitlement in accordance with applicable legislation where permitted. If.When benefits are “locked-in”. Page 171 .

the plan administrator will provide a copy of such documents upon request and payment of applicable fees. 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. and free of charge. Alternatively. Version: December 2006 Ryder Truck Rental Canada Ltd. Examination of Documents You are entitled on written request. Page 172 . nor can they be attached. You will be notified of any amendments that affect your rights under the plan. dies. who is receiving a pension from the plan. Death During Retirement If a retiree. an immediate family member should advise the Benefits Administrator at Ryder. make extracts from or copy certain documents related to the Ryder Retirement Plan as provided in applicable provincial legislation. to inspect. 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). You may not borrow against or assign benefits due to you under the plan.Protection of Benefits The Ryder Retirement Plan is designed to provide you with regular monthly income after you retire.

When you contribute by payroll deduction. It has all the advantages of an ordinary RRSP. This plan has all the tax advantages of an ordinary RRSP. Participation in the Group RRSP is optional. plus immediate adjustment to the amount of income tax withheld from your pay. 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. Tax Features The Group RRSP is a convenient and tax-effective way to save for retirement. the amount of tax deducted from your pay is adjusted immediately. with the added convenience of regular payroll deductions and immediate adjustment to the amount of income tax withheld from your pay.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. 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. so you do not need to wait for a refund. 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. When you complete the application form you will be asked to designate your beneficiary under this plan. 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. 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). up to certain limits (see the next section for details). Page 173 . 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. Link with the Ryder Deferred Profit Sharing Plan When you become eligible to participate in the Ryder DPSP. While your Version: December 2006 Ryder Truck Rental Canada Ltd.

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

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). Investment Options The Ryder Group RRSP offers you a wide choice of investment options. You may also transfer past contributions from one fund to another at any time. to impose restrictions on maximum fund withdrawal or transfer amounts where the withdrawal or transfer may risk the integrity of the fund. Any penalties that are assessed as a result of your account exceeding those limits will be deducted from your account. Consult your Benefits Administrator for further details. regardless of the number of such transfers. You may change your investment options for future contributions at any time. The decision as to which investments to select is up to you. a market value adjustment may reduce the amount of interest paid. If you would like more information about the foreign property limits.It is your responsibility to ensure that you do not exceed your RRSP contribution limit. risk tolerance and investment goals. There is no fee for inter-fund transfers made via the Internet or telephone. Page 175 . please call 1-800-463-6361 (toll-free). Excellent tools are made available to you to help you decide the portfolio mix that is right for you. This amount is subject to change. It will depend on your personal financial situation. 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. Version: December 2006 Ryder Truck Rental Canada Ltd. If you move money from a GIC before the maturity date. under exceptional circumstances. 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. You decide how to invest your Group RRSP account. The administrator reserves the right. You are encouraged to seek your own independent investment advice in order to help you make your investment decisions.

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

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

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

to impose restrictions on maximum fund withdrawal or transfer amounts where the withdrawal or transfer may risk the integrity of the fund. Any penalties that are assessed as a result of your account exceeding these limits will be deducted from your account. risk tolerance and investment goals. a market value adjustment may reduce the amount of interest paid. The decision as to which investments to select is up to you. It will depend on your personal financial situation.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. 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. If you would like more information about the foreign property limits. please ask your Benefits Administrator for further details. 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). 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. If you move money from a GIC before the maturity date. regardless of the number of such transfers. Page 179 . The administrator reserves the right. under exceptional circumstances. You may also transfer past contributions from one fund to another at any time. There is no fee for inter-fund transfers made via the Internet or telephone. The current fee in this regard is $25. Excellent tools are available to help you decide the portfolio mix that is right for you. Version: December 2006 Ryder Truck Rental Canada Ltd. you determine how the assets in your DPSP account will be invested from among the wide choice of investment options. This amount is subject to change. 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. Investment of the DPSP Fund As noted above.

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. 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. Page 180 . Version: December 2006 Ryder Truck Rental Canada Ltd. 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.

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

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

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

psychologists. consultation. and refer you to helpful resources. Professional WorkLife Specialists provide telephone assessment. Canada’s largest and most respected behavioural health service provider. Version: December 2006 Ryder Truck Rental Canada Ltd. website listings and books to give you the tools you need to get things done. and advice. resources. Professional Counseling The EAP is a voluntary. confidential. Page 184 . They can also send you a package of information. WorkLife Solutions WorkLife Solutions is a confidential advisory service that assists you and your family in balancing work/life issues. social workers and specialists. 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. This network is made up of experienced counselors.Employee Assistance Program (EAP) The Employee Assistance Program (EAP) provides professional assistance for a wide range of issues. Our experts are ready and waiting to assist you with your special concern. offer advice. 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. 7 days a week to answer your questions. educational material. anytime you need help. WorkLife Solutions is available 24 hours a day.

a court order). books and links. Absolutely! FGI does not share any information with anyone outside of FGI without an individual’s informed.g. Is the service really confidential? Yes. no one at your workplace will even know that you have contacted the EAP. Visit www. How much does it all cost? There is no cost to you or your family. with the exceptions listed below. certain exceptions apply when information must be provided to others. Also.fgiworldmembers. This benefit is 100% Ryder paid. whether or not consent is given – such as when a person appears to pose a threat of serious injury to themselves or others.* Unless you tell them. you would be responsible for any fees that the benefit plan or provincial health insurance does not cover. 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. including reference materials. *Understandably. You can also access counseling or information via an on-line appointment request form. FGI’s professionals are legally required to report suspicion of child abuse and to disclose information required by law (e. voluntary and written consent. Page 185 . articles.com. your professional advisor will help you with a referral to an affordable community resource. If long-term or specialized care is required. At this point.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.

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

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

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

Page 189 . if necessary. Important: You must report all work-related accidents and injuries immediately. Reporting Incident In the event of an accident or emergency. The Company strongly encourages its employees to communicate with fellow employees regarding safety issues. all employees will be provided care and first-aid or emergency service. when possible and as required.Accidents and Emergencies Ryder’s Position Maintaining a safe work environment requires the continuous cooperation of all Ryder employees. Version: December 2006 Ryder Truck Rental Canada Ltd. you must immediately: • • • Call 911. 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. WSIB Claims Administrator of the incident. Employee Care For injuries or illnesses while on Company business.

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. Version: December 2006 Ryder Truck Rental Canada Ltd. Page 190 .

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

No firearms. Explosives. as well as the general public. drawings or publications Firearms. are grounds for immediate termination. Page 192 . pushing. weapons. Prohibited Conduct The following are examples (by no means exhaustive) of conduct. indirect or implied threats toward persons or property Vulgar. suppliers. vendors and contractors. striking. etc. which is prohibited by Ryder’s Preventing Workplace Violence Policy: • • • • • • • • • • Direct. kicking or holding Impeding or blocking movement of another person or urging others to do the same Using. or explosives of any kind may: Version: December 2006 Ryder Truck Rental Canada Ltd. 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. Weapons. cartoons. customers. Violence or threats of violence.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. even if made in jest. 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.

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

• • Senior Manager. Information to be reported should include. up to and including termination. 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. Health & Security The GUIDELINE (for anonymous reporting) at 800-815-2830. 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. Page 194 . 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. Safety.

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

profitability and safe operations cannot be achieved in a workplace where job performance is adversely affected by the use of alcohol or other drugs. Page 196 . referral and aftercare services.ii. 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. and may be amended from time to time. ♦ Emphasize job performance management as a major tool for the success of this policy. The following provisions became effective as of July 1. ♦ Undertake drug testing for applicants and alcohol and drug testing for current employees as outlined in the administrative guidelines. excellence. Version: December 2006 Ryder Truck Rental Canada Ltd. contracted. fairness and respect for individuals. 1996. training and peer participations. ♦ Any employee who may have a problem is expected to assume ownership of their problem. and use the counselling and treatment services that are available through the Company and community. and ♦ Reserve the right to conduct searches for alcohol and illicit drugs on premises owned. ♦ 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. or otherwise controlled by the Company. The policy and administrative guidelines are subject to ongoing review and evaluation. iii. ♦ Provide prevention programs emphasizing awareness. counseling. 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. ♦ Identify specific standards to be met by individuals holding safe-sensitive positions. Because quality. 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. 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. education. ♦ Provide access to confidential assessment.

operated or otherwise directly controlled by the company. Definitions 1. temporary and casual employees when on company business or premises. property. illicit drugs or medications. and driver leasing companies. 3. 7. 5. Drug means any substance. 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. feels or acts. leased.g. and. Illicit drug means any drug or substance whose use. and equipment owned. 8. illicit drugs or medications. regular part time. Contractor refers to any contractor or supplier and their representatives providing services to Ryder and not on the company payroll. seasonal. 4. or other low molecular weight alcohols including methyl and isopropyl.iv. It includes all situations when an employee is representing the company. including alcohol. or under the company’s operating authority. sale. Safety-sensitive Functions are functions performed when a driver is: ♦ Waiting at a terminal. facility or other property to be dispatched. 6. 9. structures. Alcohol means the intoxicating agent in beverage alcohol. possession. installations. Company Business refers to all business activities undertaken by employees in the course of the company’s operations. ethyl alcohol. Company Premises includes but is not necessarily restricted to. This includes: ♦ Category A Contractors: owner-operators and their employees that provide exclusive services to Ryder. Version: December 2006 Ryder Truck Rental Canada Ltd. ♦ Category B Contractors: service and product suppliers including companies providing maintenance. street drugs such as marijuana and cocaine). vehicles. 2. Employees include all regular full time. ♦ Performing pre-trip inspections or servicing the vehicle. purchase or transfer is restricted or prohibited by law (e. drugs of concern are those that inhibit a worker’s ability to perform his or her job safely and productively. Page 197 . For purposes of this policy. whether conducted on or off company premises. the use of which has the potential to change or adversely affect the way a person thinks. loading and other services. all land.

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

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

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

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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an immediate family member. 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. Therefore. This policy must be considered when assigning. Version: December 2006 Ryder Truck Rental Canada Ltd. or Create an actual conflict of interest. the appearance of a conflict of interest or the perception of unfairness to other employees. Page 207 . Members of an employee’s immediate family will be considered for employment on the basis of their qualifications. Depending on the circumstances. domestic partnerships or otherwise) may be prohibited from continuing in working relationships that would create one of the above conditions. transferring or promoting an employee. 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.

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

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

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

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

there are certain serious offences that. avoid negotiations around severance packages and avoid costs of litigation Ryder tries to correct unacceptable employee conduct through the use of progressive discipline. However. The following examples of grounds for immediate dismissal are representative. the goodwill of terminated employees Comply with applicable legislation and remain consistent with external practices Control costs through reduced severance expenditures. Page 212 . 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. in the Company’s judgment. maintaining and terminating employment relationships very seriously.Involuntary Terminations Ryder takes its responsibility in establishing. In appropriately compensating terminated employees. to the extent possible. visitor or customer of Ryder Possession of weapons on the premises Threats or acts of violence against other employees and/or customers. property belonging to any co-worker. 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. or the use of. vendors or suppliers Version: December 2006 Ryder Truck Rental Canada Ltd. Any employee whose conduct. may be appropriate for immediate termination with or without progressive discipline. but not all inclusive.

Ryder will consider court precedent and follow legislative requirements in its termination practices. economic conditions and the like. Page 213 . Ryder may choose to end the employment relationship if performance expectations are not being met after corrective action/progressive discipline measures have been unsuccessful.• • • • • • • • • • • • • Unauthorized possession. A probationary termination occurs if. or excessive complaints from customers Inability to accept constructive criticism The above list is neither exhaustive nor intended to be comprehensive. 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. defacing or other wilful destruction of any supplies. Version: December 2006 Ryder Truck Rental Canada Ltd. 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. This could also result from an inappropriate fit between the employee and the position. It will also consider relevant individual circumstances of the terminated employee. competitor 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. performance expectations are not met. within the first three months of employment.

Ryder may deduct from your final pay any money. They are normally conducted on the employee’s last day of employment by Human Resources.Final Actions Exit interviews are usually conducted only when an employee resigns (voluntary termination). Your relocation. the end of your access to any of the Company’s systems. The exit interview provides Ryder with an opportunity to assess the quality of the workplace. On your last day of employment with Ryder. but not limited to: • • • • • • • Vacation taken but not earned. or a member of management other than the employee’s immediate manager. Unless otherwise prohibited by law. including. which you may owe the Company. your supervisor will make arrangements for you to return all Company property and. and identify any potential problems. Page 214 . 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. or A tuition reimbursement.

I agree to read it thoroughly. 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. including the statements in “About this Handbook” describing the purpose and effect of the Handbook. Page 215 . the provisions of the collective bargaining agreement or customer contract supersede those in the Handbook. 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. I will seek clarification from the Human Resources department. 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.Acknowledgment of Receipt of the Ryder Employee Handbook I acknowledge that I have received a copy of Ryder’s Employee Handbook (the Handbook). 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. In addition.

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