CANADIAN CEBS® NEWSLETTER advantageApril 2018 | Volume XXXVI | Number 2 CEBS Online Study— ISSUE HIGHLIGHTS

Sign Up Today! CEBS Instructor-Led Online Classes Summer Session Meet the Instructor Classes Start Soon! Course Corner ISCEBS President’s Message 37th Annual ISCEBS Employee Benefits Symposium New Graduates

37TH ANNUAL ISCEBS Employee Benefits

August 26-29, 2018 Boston, Massachusetts

Published for registrants of the Certified Employee Benefit Specialist® program.

CEBS Department | April 2018

SANDRA L. BECKER, CEBS | Director, CEBS/ISCEBS ISCEBS President’s Message LINDA S. BIELSKI, CEBS | Director, CEBS/ISCEBS Lisa Kaiser, CEBS LAURA J. JESKE, CEBS | Senior Administrator, CEBS Operations RACHEL OLIVER | Manager, CEBS Program Development SANDY L. TELLEFSON, CEBS | Manager, Education Services You will work hard for each and every one of those ERIKA R. TURNER, CEBS | Director, Professional Development CHRISTINE M. VAZQUEZ, CEBS | Manager, Professional Development letters—Own them. Each letter tells a story: With the exception of official CEBS announcements, the opinions given in articles are those of the authors. Certified. Employee. Benefit. Specialist. The International Foundation disclaims responsibility for views expressed and statements made “ in articles published. ©2018 International Foundation of Employee Benefit Plans, Inc. ” ISSN: 0895-9226 CONNECT WITH US 18700 West Bluemound Road | Brookfield, WI 53045 Phone: (262) 786-6710, option 3 | Fax: (262) 786-8780 Network with peers, get news E-mail: [email protected] | Website: www.cebs.org and updates, apply for courses PDF-418

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CEBS Instructor- Online Class Schedule Summer 2018 Led Online May 21-August 10 GBA 1—Managing Benefit Plans Part 1 Classes GBA 2—Managing Benefit Plans Part 2 GBA/RPA 3—Navigating the Plan Environment RPA 1—Managing Retirement Plans Part 1

Fall 2018 Begin Your Learning Journey With August 27-November 16 Instructor-Led Online Classes! GBA 1—Managing Benefit Plans Part 1 GBA 2—Managing Benefit Plans Part 2 Summer brings to mind traveling and exploring. Would you rather take a scenic road trip or jet away somewhere distant for a GBA/RPA 3—Navigating the Plan Environment vacation? Professional growth is also a journey. There are mile- RPA 1—Managing Retirement Plans Part 1 stones, changes in direction, self-discovery, acceleration and RPA 2—Managing Retirement Plans Part 2 growth! What’s your ultimate career destination? How about a new designation? The new CEBS will put you on the map in the em- ployee benefits field. Earning your CEBS proves you have the know-how to direct your plan and will be a landmark in your ca- reer trajectory. Three Tips to Study Smarter Would you like a little extra help with understanding the new CEBS curriculum? A 12-week, instructor-led online class is available. Lists aren’t just for tasks you need to do. They’re a great tool for An instructor-led online class is a great way to complement taking inventory of your learning too. Here are some lists you can your independent study. Your CEBS instructor is an experienced make for each module to help yourself get ready for your CEBS benefits professional with real-life expertise. Whether you choose a exam. vacation or a staycation this summer, class is accessible at any time during the 12-week session—All you need is an Internet connec- • List three or four Key Terms from the module that were tion! A variety of tools and materials lets you design a learning completely new to you or a bit challenging for you to grasp. plan to fit your personal learning style. An online class will connect This will help you identify what you need to study the you with other benefits professionals and help you take a deep dive most. into the curriculum to get ready for your CEBS exam. With an on- line class, you get: • List three or four important numbers from the module such as dates that legislative changes were enacted, law or Instructor notes code numbers, or threshold limits for contributions.

Audio overview of each module • Write two or three questions you have about the module’s content. Review the module and see if you can answer your Quizzes and interactive games questions. If you need some clarification, post your ques- tions in the discussion forum of your online class to see Discussion what your instructor and classmates think.

Activities based on the Benefits in Action cases

Live review sessions

Opportunity to ask questions and network with others in the class

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Meet the Instructor Cindy on the value of the new CEBS program: “The only constant about employee benefits is change, and Cindy Arcand, CEBS, CHRP this has always been reflected in the CEBS curriculum as well GBA 2—Managing Benefit as the approach to learning. The new CEBS program is Plans Part 2 streamlined—concise yet comprehensive. The addition of Benefits in Action and the Capstone Cases brings theory into the workplace as practical applications of the concepts learned. Throughout my working career and postsecondary teaching, the CEBS program has always been a cornerstone for me. It’s also the standard that I look for in staff and col- leagues.”

Course Corner

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Study materials for courses in the redesigned RPA The Certified Employee The Certified Employee program are available for purchase now. All study Benefit Specialist® Program Benefit Specialist® Program 1 materials are available through Books for Business. 1 Plans Part 1 Managing Benefit Order online at www.booksforbusiness.com or by Plans Part 1 Managing Retirement calling (800) 387-1417. Please check your online Study Guide or the Readings Update for Canadian Managing Benefit Managing Retirement Courses page for any study materials updates. GBA1Plans Part 1 RPA1Plans Part 1

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Spine 1.625 x 11 GBA/RPA Spine 2.25 x 11 The Certified Employee RPA The CertifiedA EmployeeJOINT PROGRAM OF A JOINT PROGRAM OF ® Benefit Specialist® Program Benefit Specialist Program www.cebs.org www.cebs.org Cover 10.5 x 11 Cover 11.125 x 11 Cover 11.125 x 11 Spine 1.625 x 11 Spine 2.25 x 11

GBA/RPA Spine 2.25 x 11 GBA The Certified Employee RPA The Certified Employee The Certified Employee Benefit Specialist® Program Benefit Specialist® Program Benefit Specialist® Program 2 Plans Part 2 Managing Retirement 2 2 3 Plans Part 2 Managing Retirement Plans Part 2 Managing Benefit Plan Environment Navigating the 3 Navigating the Managing Retirement Plan Environment Plan Environment Navigating the Plans Part 2 GBA/RPA 3 RPA 2 VOLUME TWO VOLUME TWO Managing Retirement Navigating the Managing Benefit Plans Part 2 Plan EnvironmentVOLUME TWO Plans Part 2 RPA 2 VOLUME TWO GBA/RPAA JOINT PROGRAM OF 3 GBA 2

VOLUMEA JOINT PROGRAM ONE OF www.cebs.org VOLUME ONE

www.cebs.org VOLUME ONE VOLUME ONE

A JOINT PROGRAM OF A JOINT PROGRAM OF A JOINT PROGRAM OF

www.cebs.org www.cebs.org www.cebs.org

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What’s in a Name? Pride (In the Name of CEBS)

ell, hello. My name is Lisa Kaiser, and I’m pleased to in- We’re on the cusp of achieving some high points for the Society troduce myself as the Society President for 2018. I’d be this year, which I’m sharing as my goals for 2018, namely: W remiss if I didn’t kick off 2018 by recognizing the amaz- • Getting real—the realization of new students starting their ing volunteers I’ve met in the ISCEBS community and thanking all CEBS journey under the new curriculum and reengaged stu- who give their time and talents to make the Society a better place dents finishing their designations to belong. • Elevation—reaching a tipping point of new designation hold- (I don’t know if you saw what I did in that first paragraph, but I ers, combined with existing and renewing members, to surge was envisioning one of the ubiquitous red or blue “Hello, My Name membership to higher levels Is _____” stickers when I drafted the intro. I wanted to be friendly • Amplification—support of International Foundation tools and extend my greetings, hoping you’d feel welcomed and comfort- and marketing to increase awareness and name recognition able enough to settle in and read some more.) for the CEBS designation and the Society. Belonging, or a sense of community, is im- Brand awareness matters, as we cleave to and identify with portant to any group. And in a professional as- the CEBS and ISCEBS marks. In times of increased volatility, the sociation such as ours, identity and cohesive- stability and prestige of the CEBS designation matter, as does the ness are critical to success over the long term. deep, objective knowledge that is inherent in the Society. And Creating a recognizable place for belonging the Society has chosen to continue to lead in the employee ben- enhances the well-being of the community efits field by investing in ongoing, deep and practical knowledge member, since it is an absolutely essential that practitioners can apply; ongoing, topical and relevant in- human need somewhere at the middle of formation for continuing education credentials; and connecting Maslow’s pyramid. To sustain the community, leaders across the country in chapters and through virtual com- its caretakers must actively cultivate mean- munities. Lisa Kaiser, CEBS ing and reinforce the markers of identity. For We have challenges aplenty in the year ahead. In Canada, legal- ISCEBS, that begins with the name. ized marijuana, fiduciary issues and providing benefits for an ag- And what’s in a name? The band and others might weigh in as ing workforce remain top priorities. With Society support, we can to the values of a name, but for those who hold the CEBS creden- tackle those issues as well as the latest developments in tax changes tials, which are the basis for the Society, we know exactly what’s in impacting U.S. employee benefits, total health reform, employer re- our name. (And, sidebar: If you haven’t heard it pronounced, say porting requirements, ERISA erosion at the federal level, changes each letter of this important acronym. For example, we don’t call to the health care delivery system and more. And, together, we can CPAs “sipas.”) You will work hard for each and every one of those focus on mental health concerns, increased emphasis on employee letters—Own them. Each letter tells a story: Certified. Employee. and retiree health, health care and technology innovations, data Benefit. Specialist. security issues and other trending topics you’re sure to see at the Through CEBS, we have gained measurable knowledge, having 2018 Symposium in Boston, Massachusetts. been weighed and found not wanting through the examination Together, we: process. We focus on and serve employees through their benefits • Inspire others to lead healthier lives and retire with dignity plans (as opposed to social programs, government schemes or • Demonstrate the fullness of our knowledge of incredibly other aspects of remuneration). We dig deep. We specialize in complex topics to our employers, clients and employees/ our knowledge, even though the breadth of the employee benefits members field may be breathtaking. • Validate our knowledge by continuing to actively participate Collectively, we are the go-to experts for clients, employers, em- in the Society. ployees and dependents, members and others who need to know The last point is key: To be a strong Society, we need you. When about employee benefits. The CEBS designation is an instant boost, we join together, our act of conscious, collective creation can build a knowing nod of the head, a swipe right on the resumé and an pride. Pride is a universal and important emotion, and those who are opening to doors with some really smart people behind them. self-aware and have tapped in are often more successful and lead lon- That’s the power of the letters that attach to your name to maxi- ger lives, since pride is a positive coping mechanism. (Note: (a) I’m mize opportunities for networking and career advancement: It is not a psychologist, (b) this will sound a little familiar if you attended through Society membership that the promise of the designation the 2017 Symposium in Denver, Colorado and (c) I mean the good can be fulfilled. kind of pride—the pride that drives us to figure out who we are and

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to fill our lives with meaning—not the hubristic, seven-deadly-sins I believe strongly that burnishing the CEBS pin and partaking in kind of pride.) Pride makes us care about how others see us and— the Society will help you find your path and ensure that someone just as importantly—how we see ourselves. is saying your name. When chapter leaders talk about why they got involved in I’m CEBS proud. Four little letters that make a big difference. ISCEBS, or when members complete the Society survey, they tell To make it work, it takes a resilient and formidable Society that is us about advancing their careers, making connections, achieving as strong as each individual member. Let the chain grow by mak- and giving back. This, my friends, starts with and is rekindled by ing sure your name is on the list and that your contributions are the spark of pride. Important milestones demonstrate your quest— worthy of the essential spark that got you started in the first place. earning your first designation, earning your CEBS, logging your In the words of Harvey Specter, “Work until you no longer have to hours to be CPE-compliant and, most certainly, earning your Fel- introduce yourself.” You can let the CEBS on your business card be lowship. Listening to your pride is one of the best ways to figure your calling card and do that bit for you. out who you are, what you want out of life and how you can get Hello, my name is Lisa Kaiser, CEBS, ISCEBS Fellow, and it’s my there. Own your pride. It’s an ability not only to feel good about pleasure to serve you. ourselves but also to use those feelings toward our own ends and to change lives. Lisa Kaiser, CEBS, ISCEBS Fellow, is the 2018 ISCEBS President. What do you want your Society to be? How can it help you meet She is fund administrator for Plumbers and Pipefitters Local 189 in your goals and firm your footing? Individual answers will vary, but Columbus, Ohio.

Attend the Symposium for Targeted Topics and Actionable Takeaways

he 2018 ISCEBS Symposium, the must-attend event for • Blockchain Technology for Employee Benefits benefits professionals, is just around the corner. The • Canada Legal/Legislative Update TWestin Copley Place hotel in Boston, Massachusetts will • The Blueprint for Successful Diabetes Management host this event, which will be held August 26-29, 2018. Stay • Disability Management Audit up to date with current topics in benefits, listen to thought- • The Legalization of Marijuana and Its Effect on Health and provoking and informative speakers, and network with your Welfare Plans colleagues. • Capital Accumulation Plans: The Past, Present and Future The sessions will be grouped into four educational tracks, in- • Pharmacogenetics and the Value of Personalized cluding one dedicated specifically to Canadian topics. Here is a Medication Management sample of some of the sessions that await you in Boston. • Sustainability Doesn’t Equal Adequacy

Visit www.iscebs.org/symposium for the full agenda, including speakers, descriptions, takeaways and more.

37TH ANNUAL ISCEBS Employee Benefits

August 26-29, 2018 | Boston, Massachusetts

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Network with peers, get news ISCEBS Membership | Contact Us and updates, apply for courses CEBS® graduates: Earn up to 19 CEBS 37TH ANNUAL ISCEBS continuing professional education (CPE) Employee Benefits credits at the Symposium!

August 26-29, 2018 | Boston, Massachusetts #18Symp

Register Now and Save!

PARTNERS IN EDUCATIONAL EXCELLENCE advantage | April 2018 | 7 REGISTRATION/2018 ISCEBS Employee Benefits Symposium (18SYMP) August 26-29, 2018 | The Westin Copley Place | Boston, Massachusetts CUSTOMER INFORMATION (Please print clearly) Source code ISBR1 Individual ID# or CEBS® ID# ______Full first name ______M.I. ______Last name ______Employer ______Title ______Address ______■ Business ■ Home City______State/Province ______Country ______ZIP/Postal code ______Phone ______Fax ______E-mail ______Last 4/3 digits of SSN/SIN ______Date of birth (mm/dd/yyyy) ______Mobile phone ______Emergency contact ______Contact phone ______See our policies regarding your registration/cancellation/refund/record retention/photo release and privacy at www.iscebs.org/policies. REGISTRATION INFORMATION REGISTER NOW! Before After Approximately what year did you begin working in employee benefits? ______July 13, 2018 July 13, 2018 ■ This is my first Symposium. ISCEBS Member Rates ■ US$1,155 ■ US$1,255 Level of responsibility ■ Senior management ■ Middle management International Foundation Corporate Member Rates ■ US$1,155 ■ US$1,255 ■ Operations ■ Other Special Guest Rates ■ US$ 955 ■ US$1,055 CEBS Conferment (Sunday, August 26, 5:00 p.m.) Nonmember Rates ■ Yes, I plan to attend the ceremony and reception. CEBS, CMS, GBA or RPA designees ■ US$1,340** ■ US$1,440** Guests’/children’s name(s) ______Corporate nonmembers ■ US$1,340† ■ US$1,440† I am a new ■ CEBS ■ GBA ■ RPA ■ CMS ■ ISCEBS Fellow CEBS student (completed at least one CEBS course Golf Outing by September 1, 2018) ■ US$1,340** ■ US$1,440** ■ Please send me information on the golf outing. New CEBS, CMS, GBA or RPA Graduates* Special Registration Fee Special Guest Registration Graduate member ■ US$ 955 ■ I am registering as a “guest” and have been invited by the following Society member or Graduate nonmember ■ US$1,140** International Foundation corporate member. * * Earned designation between September 1, 2017 and September 1, 2018. (If you earned your Name ______designation after September 1, 2017 and elected to go to the Conferment and Symposium in Note: Your guest registration will not be processed until the member named has registered Denver, you must pay the regular registration fee for Boston.) for the Symposium. **Includes 2018 ISCEBS membership. Sunday Registration †Includes a 2018 International Foundation membership for new members only. ■ Consulting Practice Owners Workshop ■ First-Time Attendee/Chapter Volunteer Luncheon Payment The Symposium registration fee must accompany this registration form. Registration fees Cancellation Policy can be paid by check or credit card. If you wish to pay the registration fee in Canadian funds, A US$60 administrative charge is imposed on all cancellations. Refund deadline is two weeks please use the equivalent Canadian rate in effect at the time you submit the registration fee. prior to the meeting. For more information regarding administrative policies such as complaint Note: If you’re unable to use a credit card for your hotel deposit, you may include one night’s and refund, please call the Society office at (262) 786-8771. room rate in your check for the registration fee.

HOTEL ■ US$279 single/double occupancy ■ No hotel required Arrival date ______Departure date ______Number of persons ______Special requests/Dietary requests ______A hotel deposit of one night’s room rate is required. Please use a credit card to secure your hotel deposit. The hotel accepts: ■ VISA ■ MasterCard ■ Discover ■ American Express Special assistance? ■ Yes ■ No Credit card #______Exp. date ______CONTINUING EDUCATION CREDIT

US$25 continuing education service charge due at time of registration (if applicable). The International Society will apply for ■ CEBS CPE (NO FEE) CE credit based on requests. You must indicate the profession for which credit is requested. Visit www.cebscpe.org ■ Actuary ■ Attorney/Lawyer ■ CFP ■ CIMA ■ CPA ■ Insurance Producer/Agent* ■ PHR/SPHR/GPHR for additional information. ■ SHRM-CP/SHRM-SCP ■ Other, specify ______Licensed in the state/province of ______License/NPN/BAR/CPA # ______* Preapproval of programs/seminars is required in ALL insurance states. This process can take up to 90 days. Alberta requires the Society to submit sessions for review 15 days prior to the program. Late requests could preclude insurance producers/agents from earning credit. NOTE: Requests made for CE credit on this form do not guarantee administration of credit. CE inquiries: (262) 786-6710, option 2, or e-mail [email protected]. PAYMENT INFORMATION REGISTRATION/ORDER SUMMARY Make check payable to International Society. Symposium fee US$ ______■ Check # ______US$ ______Continuing education service fee (US$25) US$ ______Credit card # ______Exp. date______Total (U.S. funds) US$ ______Cardholder’s name (print) ______

International Society Questions, e-mail [email protected], www.iscebs.org Secure fax (262) 364-1818 P.O. Box 681092, Chicago, IL 60695-2095 or phone (262) 786-8771.

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Save the Date to Celebrate! Two Upcoming CEBS Graduation Recognition Events Have you just completed your CEBS or specialty designation? Are you looking for a reason to cross the finish line? 2018 is the year to reach your goals! You went above and beyond, and now is your time to shine at a special event for celebrating your diligence and achievements. You’ll also get to meet benefits professionals from all over North America who have the same passion for employee benefits as you.

Representatives from the International Foundation and Dalhousie University will take part in each of these events. All new graduates, specialty designees and first-time ISCEBS Fellows are invited to attend.

CEBS Conferment Ceremony CEBS Graduate Recognition Reception Sunday, August 26 Thursday, November 1 Boston, Massachusetts Toronto, Ontario

Each year, the conferment ceremony is held in This event brings together new graduates conjunction with the ISCEBS Symposium. from across Canada to recognize and celebrate The conferment kicks off the annual Sympo- their accomplishments and dedication to the sium—2½ days of education sessions, net- employee benefits profession. Registration is working and discussion opportunities with complimentary for you and one guest. some of the brightest minds in the business. A special Symposium registration rate is avail- able for new graduates.

Complete program details for each event will be sent to all eligible individuals. If you have any questions, please contact CEBS at [email protected].

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CEBS Graduates—Canada November 2017 through March 2018

ALBERTA Christiane Maletz, CEBS Andrew D. King, CEBS MANITOBA Benefits Representative Group Customer Service Consultant Tara Azadeh, CEBS City of Edmonton Apri Insurance Services Russell G. Berdusco, CEBS Retirement Services Advisor Sherwood Park, AB Vancouver, BC Account Executive Group Suncor Energy Inc. Retirement Services Calgary, AB J. Glenn McAthey, CEBS Fangyu Li, CEBS Great-West Life Assurance Co. Director, Insurance Services Senior Analyst Winnipeg, MB Thomas J. Bauer, CEBS Alberta Medical Association Morneau Shepell Renewal and Sales Associate Edmonton, AB Vancouver, BC Felicia Blackburn, CEBS Manulife Financial Associate Manager Calgary, AB William J. McNerney, CEBS Matthew J. P. Lister, CEBS Benefits and Pension Group Benefit Advisor Employee Benefit Advisor Agnes Chu, CEBS Investors Group Servus Wealth Strategies Davis Benefits and Pensions Ltd. Winnipeg, MB Calgary, AB Edmonton, AB Surrey, BC Deborah M. Currie, CEBS Nathan J. Chidwick, CEBS Regeena B. Peter, CEBS Maury Lum, CEBS Senior Group Underwriter Administrative Support Compensation and Benefits Advisor Account Executive IV Pension Assistant Great-West Life Assurance Co. Workers Compensation Board–AB Manulife Financial Winnipeg, MB Alberta Health Services Edmonton, AB Vancouver, BC Calgary, AB Charlene L. Gerbrandt, CEBS Christopher M. Smith, CEBS Kim L. Madill, CEBS Member Services Specialist Karine D’Astous, CEBS Analyst Financial Security and Pension Specialist Teachers Retirement Benefit Consultants Inc. Benefits Advisor Allowances Fund Xerox Canada Edmonton, AB Langley, BC Calgary, AB Winnipeg, MB Janice Tanas, CEBS Nadine Pelletier, CEBS Nataliya Fedorko, CEBS Patricia T. Khoe, CEBS Sales and Client Maple Ridge, BC Consultant Senior Advisor–Benefits Relationship Coordinator WestJet Airlines Lane P. L. Quelch, CEBS Ellement Consulting Group Sun Life Financial Account Executive Winnipeg, MB Airdrie, AB Calgary, AB Sun Life Financial Marcia D. Lafantaisie, CEBS Rebekah L. Giguere, CEBS Nadeem Tarmohamed, CEBS Vancouver, BC Edmonton, AB Member Services Specialist Calgary, AB Rufat Ramazanov, CEBS Teachers Retirement Mychael S. Gilbert, CEBS Allowances Fund BRITISH COLUMBIA Pension Analyst Cochrane, AB Morneau Shepell Winnipeg, MB David J. Guttman, CEBS Teresa M. Bielert, CEBS Vancouver, BC Laura L. Lomow, CEBS Technical Consultant Account Manager and Employee Mark-Anthony Sawires, CEBS President Gallagher Benefit Services (Canada) Session Specialist Account Associate AQ Group Solutions Calgary, AB GroupHealth North Manulife Financial Winnipeg, MB Prince George, BC Patrick A. Hardie, CEBS Vancouver, BC Marta Major, CEBS Account Executive Nicholas M. Chu, CEBS Tunde Szamoskozi, CEBS Senior Benefits Specialist Rogers Insurance Ltd. Port Coquitlam, BC Member Benefits Trust Investors Group Calgary, AB Mark V. Costales, CEBS Vancouver, BC Winnipeg, MB Philip Heuchert, CEBS Group Benefits Consultant Agnes M. Tecson, CEBS Kerry McWhinney, CEBS Senior Advisor Johnson Inc. Disability Case Manager Director Client Services Alberta Health Services Langley, BC Vancouver Police Department AQ Group Solutions Leduc, AB Daniel Fortuna, CEBS Vancouver, BC Winnipeg, MB Colin D. King, CEBS Benefits Consultant Tamara C. Wicki, CEBS Susan H. Moeller, CEBS Group Financial Services Manager DRF Benefits Inc. Supervisor Payroll and Benefits Assistant Manager Group Servus Credit Union Surrey, BC City of Prince George Disability Claims Edmonton, AB Wojtek W. Golebiewski, CEBS Prince George, BC Great-West Life Assurance Co. Meng Camille Li, CEBS Client Relationship Manager Winnipeg, MB Pension and Benefits Administrator Manulife Financial Calgary District Pipe Trades Vancouver, BC Calgary, AB Jo-Ann Hannah, CEBS (continued on next page) Colleen S. Macdonald, CEBS Mount Currie, BC Calgary, AB

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CEBS Graduates (continued from previous page)

Jacqueline S. Oberbuchner, CEBS ONTARIO Shirley A. Hennessy, CEBS Mark W. Locke, CEBS Member Services Representative Glorie A. Alfred, CEBS National Director Producer Teachers Retirement Consultant Manulife Financial IFP Group Ontario Ltd. Allowances Fund Morneau Shepell North York, ON Markham, ON Winnipeg, MB Toronto, ON Karen Hepburn, CEBS Erica Macfarlane, CEBS Melissa M. Rak-Banville, CEBS Audia N. Bacchas, CEBS Consultant Executive Assistant Manager, Member Services Morneau Shepell FIS Manulife Financial HEB Manitoba, Healthcare Toronto, ON Pickering, ON Kitchener, ON Employee Benefits Allison P. Hogan, CEBS Greg MacLellan, CEBS Winnipeg, MB Jeffrey C. Baldwin, CEBS President Manager Pension Policy Financial Advisor Karel X. Sanchez, CEBS BPA Financial Group Ltd. Canada Post Corp. Freedom 55 Financial Senior Benefits Specialist Mississauga, ON Ottawa, ON North Bay, ON Investors Group Marnie L. Niemi Hood, CEBS Patrick M. Malloy, CEBS Winnipeg, MB Tessa E. Bedard, CEBS Sun Life Financial Chief Executive Officer Benefits Consultant NEW BRUNSWICK Mississauga, ON TEIBAS Ltd. BFL Canada Consulting Service Inc. Toronto, ON Toronto, ON Marc Bourque, CEBS Andrew K. Braithwaite, CEBS Financial Education Specialist Yan Hou, CEBS Denise K. Marshall, CEBS Pensions and Benefits Specialist Payroll Analyst, Payroll, Benefits and Controller Vestcor Inc. Manulife Financial Toronto, ON Total Rewards Department Benefit Partners Inc. Fredericton, NB Coughlin and Associates Ltd. Sudbury, ON Haldean T. Clark, CEBS Carolane Brasseur, CEBS Ottawa, ON Service Specialist Sarah McCurrie, CEBS Benefits Specialist Pierre R. Huneault, CEBS Director, Human Resources Maritime Group Benefits Ltd. Great-West Life Assurance Co. Ottawa, ON Group Benefit Consultant Colliers Project Leaders Woodstock, NB Dibrina Sure Group Mississauga, ON Angela D. Sadler, CEBS Kyle Campbell, CEBS Toronto, ON Ridgeway, ON Nick Mihaylov, CEBS Group Underwriter Kathleen D. Hunter, CEBS Toronto, ON Medavie Blue Cross Kevin Chan, CEBS Human Resources Generalist Halifax, NB Toronto, ON Olena Mysyshyn, CEBS The Royal Pension Fund Financial Analyst NOVA SCOTIA Kitbo Choi-Nguyen, CEBS Ottawa, ON Goodyear Canada Inc. Robertson, Eadie & Associates Paul W. Ibbott, CEBS Etobicoke, ON Julie F. Anthony, CEBS Oakville, ON Account Executive Group Benefits Benefits Analyst Dianna Ospina, CEBS Geoffrey W. Davis, CEBS Great-West Life Assurance Co. Benefits Advisor Human Resources Convergys CMG Canada ULC London, ON Halifax, NS Benefits Coordinator Healthcare of Ontario Pension Plan Ottawa Police Association Alison Kaczmarczyk, CEBS Toronto, ON Susan L. MacKenzie, CEBS Ottawa, ON The City of London Amanda C. Paul, CEBS Account Executive London, ON Sun Life Financial Kim M. Dixon, CEBS Associate Underwriter Halifax, NS Senior Presale Marketing Consultant Jeffrey Kearns, CEBS RBC Insurance Manulife Financial Employe Benefits Specialist Mississauga, ON Jeanette F. MacLanders, CEBS Kitchener, ON Great-West Life Assurance Co. Thomas M. Perkes, CEBS Human Resources Associate Kanata, ON Emera Inc. Ryan P. Geerts, CEBS Senior Director Operations and Halifax, NS Senior Advisor Benefits Anastasija Kulikova, CEBS Business Development and Pensions GBRS Education Coordinator Ontario Federation of Agriculture Laura B. McLellan, CEBS The Canadian Shield Group Manulife Financial Guelph, ON Pension Consultant Toronto, ON Toronto, ON HRM Pension Plan Office Samantha J. Perrin, CEBS Halifax, NS Kelly M. Gilbert, CEBS Sophia J. Lam, CEBS Chief Financial Officer Compensation and Toronto, ON Canadian Teachers Federation NUNAVUT Benefits Specialist Ottawa, ON SGS Canada Inc. Aldine Lawson, CEBS Peter Peterkin Chakonza, CEBS Lakefield, ON Consultant Payroll/ Manager, Human Resources Policy HR Implementation Government of Nunavut James M. Guest, CEBS Alamoy Consulting (continued on next page) Iqaluit, NU Toronto, ON Brampton, ON Kelly M. Hawthorne, CEBS Kyle M. Leroeye, CEBS Lead Associate Health and Benefits Account Executive Willis Towers Watson Empire Life Insurance Co. Toronto, ON Burlington, ON Kristina A. Hendren, CEBS Ottawa, ON

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CEBS Graduates (continued from previous page)

Jiani Qin, CEBS Taylor Valée, CEBS SASKATCHEWAN Financial Analyst Employee Benefits Analyst Evelyn McGaughey, CEBS Great-West Life Assurance Co. Aon Hewitt Owner Windsor, ON Toronto, ON Eureka Consulting Linda M. Rajacic, CEBS John R. Vandeweerd, CEBS Saskatoon, SK Technical Underwriter President Rita L. Rushton, CEBS ENCON Group Inc. Benefits International Account Manager Mississauga, ON Hamilton, ON Co-operators Life Insurance Co. Leanne N. Roth, CEBS Ryan Warner, CEBS Regina, SK Manulife Financial Director Sales and Marketing James K. Stangel, CEBS Waterloo, ON PPI Benefits Inc. Regional Sales Leader Patricia Ruiz, CEBS Kitchener, ON and National Accounts Service Representative Lindsay Webb, CEBS Group Medical Services Manulife Financial Burlington, ON Regina, SK London, ON Deborah J. Widdifield, CEBS UNITED STATES Bijantee M. Sanasy, CEBS Ottawa, ON Bilingual Payroll and Marcus Wong, CEBS Katherine Lacy-Wilson, CEBS Benefits Consultant Toronto, ON Area AVP Compliance Counsel LV Lomas Ltd. Arthur J. Gallagher & Co. Brampton, ON Chui Niook Sandrine Bloomington, MN Lam Po Yuen, CEBS Paul C. Scott, CEBS Client Relationship Manager Natasha A. Reid, CEBS Employee Benefits Specialist Manulife Financial Wyoming, MI ZFS Benefit Solutions Toronto, ON St. Catharines, ON James Michael Stapleton, CEBS QUEBEC Certified Financial Planner Wesley Fernandes, CEBS Freedom 55 Financial Sales Director Mississauga, ON Manulife Financial Michael R. Steffler, CEBS Montreal, QC Consultant Konrad Koloda, CEBS The Benefits Company Group Underwriter Windsor, ON Sun Life Financial Derek T. Szeto, CEBS Montreal, QC ENCON Group Inc. Sebastien Poirier, CEBS Mississauga, ON Product Manager Group Bev J. Traynor, CEBS Savings and Retirement Employee Benefit Services Industrial Alliance Manulife Financial Quebec, QC Kanata, ON Sharon Ha Yeung, CEBS Helen Tsotsos, CEBS Group Benefits Advisor SEB Administrative Services Inc. Ogilvy & Ogilvy Inc. Mississauga, ON Westmount, QC

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Group Benefits Associates (GBAs) November 2017 through March 2018

ALBERTA Eric James Gosden, GBA MANITOBA Jena-Lynn Crawley, GBA Regional Director Account Coordinator Erika Conyette, GBA Great-West Life Assurance Co. Thomas R. Aldridge, GBA Manulife Financial Account Associate Port Coquitlam, BC Consultant Kitchener, ON Manulife Financial Investors Group Edmonton, AB Jennifer S. Harris, GBA Winnipeg, MB Brian A. Crosby, GBA Account Manager President Lindsay Foth, GBA Benefits and Insurance Sabrina Buffie, GBA Crosby Inc. Senior Benefits Analyst Thomas O’Neill & Associates Inc. Benefits Specialist Ottawa, ON Lehigh Hanson Vancouver, BC Princess Auto Ltd. Edmonton, AB Winnipeg, MB Dante Vince DeDominicis, GBA Melissa M. Huston, GBA Brantford, ON Paula J. Griffiths, GBA Financial Planner/Insurance Agent Gurpreet Kaur, GBA Benefits Specialist Winnipeg, MB Alexandra S. Egan, GBA The Joshua Group Financial Services Toronto, ON Norton Rose Fulbright Canada LLP Victoria, BC Christian Jordan Lontajo, GBA Calgary, AB Insurance Advisor Heather Grant, GBA Roderick David Jackson, GBA Human Resources Coordinator Brendan Hickey, GBA Client Account Manager Western Financial Group Cochrane, AB Winnipeg, MB Lynx Equity Ltd. Johnstone’s Benefits Toronto, ON Sizani Maphosa, GBA North Vancouver, BC Alec C. Ruest, GBA Benefit Plan Coordinator Johnston Group Adam K. A. Greig, GBA Chun Mei Lau, GBA Toronto, ON Alberta School Employee Burnaby, BC Winnipeg, MB Benefit Plan Krista Harloff, GBA Edmonton, AB Megan MacDonald, GBA NOVA SCOTIA Compensation and Benefits Analyst Manager, Benefits Austyn P. McNally, GBA Nicholas P. Mombourquette, GBA Wilfried Lauier University First West Credit Union Milverton, ON Account Manager Surrey, BC Financial Consultant and Group Empire Life Insurance Co. Benefits Specialist Jane E. Harper, GBA Calgary, AB Emily J. Metcalf, GBA Atlantic Wealth Management Ltd. Service Representative Human Resources Advisor David J. Slupsky, GBA Dartmouth, NS Manulife Financial Regional District of Nanaimo Toronto, ON Group Underwriter Nanaimo, BC Catherine A. Snider, GBA Sun Life Financial Service Supervisor Julia C. Hennessey, GBA Calgary, AB Laurie Diane Russell, GBA Johnson Inc. Amendment Coordinator II Associate, Client Services, Dartmouth, NS Empire Life BRITISH COLUMBIA Business Development Kingston, ON Great-West Life Assurance Co. ONTARIO Matthew Bassett, GBA Vancouver, BC Lorraine Laville, GBA Total Rewards Analyst Chantal Archambault, GBA Georgetown, ON Zymeworks Inc. Scott R. Sadgrove, GBA Group Underwriting Consultant Vancouver, BC Payroll Specialist Manulife Financial Marina Lodyga, GBA Ritchie Bros. Auctioneers Toronto, ON Senior Advisor, Pension and Benefits Jason Robert Bean, GBA New Westminster, BC CPP Investment Board Senior Associate Group Benefits Cory F. Bennetts, GBA Toronto, ON Bajus Financial Partners Jing Jie Sang, GBA Equitable Life Vancouver, BC Underwriter Kitchener, ON Tanya L. McKechnie, GBA Pacific Blue Cross Kanata, ON Julie Beyea, GBA Burnaby, BC Dennis F. Caponi Sr., GBA Disability Management Specialist President Trevor W. Medeiros, GBA Douglas College Melissa Shimizu, GBA Caponi Managed Group Benefits Renewal Analyst New Westminster, BC Coquitlam, BC Toronto, ON Great-West Life Assurance Co. London, ON Marc-Andre R. Choquette, GBA Amanda R. Turner, GBA Janice R. Clarke-Sinclair, GBA Pension and Benefits Specialist Senior Representative Client Service Human Resources Manager Jennifer Morley, GBA City of Vancouver–HR Services Great-West Life Assurance Co. The Home Depot Canada Renewal Associate Vancouver, BC Vancouver, BC Mississauga, ON Manulife Financial Kitchener, ON Deborah Sheryll Foster, GBA Mable B. Yan, GBA Lynn Corso, GBA Team Manager Customer Services Representative Renewal and Sales Associate Cynthia Pang, GBA Great-West Life Assurance Co. Pacific Blue Cross Manulife Financial Kitchener, ON Langley, BC Burnaby, BC Toronto, ON

(continued on next page)

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GBA Designees (continued from previous page)

Sheetal Patel, GBA Rory Taylor, GBA QUEBEC Tito L. Tabora-Mayrand, GBA Specialist National Client Service Representative Eureka-Lissa Noel, GBA Senior Analyst Group Disability Practices Green Shield Canada Manager, Training and Development Benefits Administration Manulife Financial Windsor, ON Manulife Financial Morneau Shepell Inc. Toronto, ON Nicole E. Tobola, GBA Montreal, QC Montreal, QC Cassandra E. Price, GBA New Hamburg, ON Maria Davila Ortiz, GBA SASKATCHEWAN Benefits and Retirement Analyst Biljana Vlaski, GBA New Business Analyst Montreal Owen & Associates Group Underwriting Analyst Underwriting Unit Patricia J. Boechler, GBA Collingwood, ON Manulife Financial Great-West Life Assurance Co. Saskatoon, SK Sarah A. Rains, GBA Kitchener, ON Anjou, QC David Stearn, GBA Union, ON FengLan Zhan, GBA Colin Sutton, GBA Commercial Insurance Advisor Joonyong Sung, GBA Toronto, ON Sun Life Financial HAL Insurance Group Underwriter Chateauguay, QC Regina, SK Great-West Life Assurance Co. Oakville, ON

Compensation Management Specialists (CMSs) November 2017 through March 2018

ALBERTA MANITOBA Gary Filiatrault, CMS QUEBEC Human Resources Leslie L. Bannon, CMS Corrin Musey Denisuik, CMS Services Supervisor Melissa Allard, CMS Compensation Analyst Senior Compensation Officer Caesars Windsor L’assomption, QC Altagas Interlake Eastern Regional Tecumseh, ON Calgary, AB Health Authority SASKATCHEWAN Stony Mountain, MB Alison Kaczmarczyk, CMS Wayne E. Ormond, CMS The City of London Cynthia J. Anderson, CMS Human Resources Director NOVA SCOTIA London, ON Manager Membership Benefits Husky Energy Inc. and Insurance Calgary, AB Paula K. Judge, CMS Shayan Methot, CMS Saskatchewan Medical Association Compensation Specialist Financial Analyst Saskatoon, SK BRITISH COLUMBIA Healthy Association Nova Scotia Great-West Life Assurance Co. Oshawa, ON Patricia Fong, CMS Lower Sackville, NS Payroll Coordinator ONTARIO Amanda C. Paul, CMS Vancouver Fraser Port Authority Associate Underwriter New Westminster, BC Qun Bai, CMS Royal Bank of Canada Mississauga, ON Preet Pall, CMS Richmond Hill, ON Associate Nicolas Boulerice, CMS Rupinder Shahi, CMS Montridge Advisory Group Ltd. Rockland, ON Coordinator Payroll and Benefits Vancouver, BC ERCO Worldwide Ying Cheng, CMS Mississauga, ON Sarah J. Purslow, CMS Compensation and Benefits Analyst Human Resources Allstate Insurance Company Advisor, Compensation of Canada Tolko Industries Ltd. Markham, ON Vernon, BC

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Retirement Plans Associates (RPAs) November 2017 through March 2018

ALBERTA Margaret Yee Lin Hamilton, RPA ONTARIO Nancy Pressey, RPA Relationship Manager Relationship Manager Michelle Lynn Greenshields, RPA Royal Bank of Canada Tina Campbell, RPA Royal Bank of Canada Pension Service Coordinator Courtenay, BC Relationship Manager Grimsby, ON Manulife Royal Bank of Canada Edmonton, AB Lakhbir K. Johal, RPA Toronto, ON Barry A. Radtke, RPA RBC Group Advantage Royal Bank of Canada Mette Kondrup, RPA Relationship Manager Cosimo Cavaliere, RPA Thunder Bay, ON Pension Team Lead Group Consultant Royal Bank of Canada Adam L. Skube, RPA City of Edmonton Surrey, BC Royal Bank of Canada Edmonton, AB Maple, ON Employee Benefits Account Manager Rajeshwari Kumar, RPA Great-West Life Assurance Co. Catherine A. Legge, RPA Group Consultant Pasquale Ciulla, RPA Ottawa, ON Relationship Manager Relationship Manager Royal Bank of Canada Karen E. Slack, RPA Royal Bank of Canada Richmond, BC Royal Bank of Canada Calgary, AB Woodbridge, ON Client Service Specialist Brenna MacLean, RPA Great-West Life Assurance Co. Lynn A. Molvik, RPA Associate Consultant Matthew A. Conliffe, RPA London, ON Group Consultant Senior Associate ES3 Advisory Nicole P. Stallaert, RPA Royal Bank of Canada Vancouver, BC Mercer Calgary, AB London, ON Relationship Manager Althean C. Mansell, RPA Royal Bank of Canada Sarah L. Murray, RPA Group Consultant Tiffany M. Flood, RPA Chatham, ON Client Relationship Manager Group Conultant Royal Bank of Canada Derek Stone, RPA Manulife Vancouver, BC Royal Bank of Canada Edmonton, AB Toronto, ON Vice President Group Advantage Laura Smeltzer, RPA Royal Bank of Canada BRITISH COLUMBIA Pension and Benefits Advisor Jennifer S. Gale, RPA Toronto, ON Implementation Manager Teck Resources Ltd. Salvatore Tiano, RPA Christopher Anjo, RPA Vancouver, BC National Accounts Relationship Manager London Life Relationship Manager Royal Bank of Canada Dawn Torroba, RPA London, ON Royal Bank of Canada Kelowna, BC Royal Bank of Canada Richmond Hill, ON North Vancouver, BC Nancy K. Geen, RPA Jonathan Bones, RPA Senior Human Resources Associate Paul Scott Urquhart, RPA Group Benefits Consultant NEWFOUNDLAND Patheon Inc. Group Consultant Royal Bank of Canada Whitby, ON Royal Bank of Canada John M. Bennett, RPA Hamilton, ON Vancouver, BC Norah Isbister, RPA Group Consultant Group Advantage Matthew J. Woo, RPA Sandhya Braganza, RPA Royal Bank of Canada Toronto, ON Burnaby, BC Account Executive St. John’s, NL Gregory Jack, RPA Manulife Financial Traci Lynn Desrosiers, RPA Karen M. Hollahan-Squires, RPA Jack and Associates Financial Toronto, ON Group Consultant Relationship Manager St. Catharines, ON Royal Bank of Canada Royal Bank of Canada Harish Sunny Kapoor, RPA QUEBEC Kelowna, BC Mount Pearl, NL Client Relationship Manager Alexandra Lerebours, RPA Kristin A. Dolynski, RPA Manulife Financial Saint-Laurent, QC Vice President, Group Advantage NOVA SCOTIA Woodbridge, ON Mark A. Papadopoli, RPA Royal Bank of Canada Wesley G. Cook, RPA Jennifer Lau, RPA Langley, BC Senior Business Analyst Pension Analyst Scarborough, ON Manulife Financial Lauren M. Dressler, RPA Morneau Shepell Kate Nazar, RPA Montreal, QC Senior Service Representative Halifax, NS Vice President Great-West Life Assurance Co. Zachary Ward, RPA Client Solutions Centre SASKATCHEWAN Vancouver, BC Royal Bank of Canada Sun Life Financial Melanie Lishchynsky, RPA Robert Grad, RPA Halifax, NS Toronto, ON Group Consultant Manulife Financial Jeremiah Pike, RPA Royal Bank of Canada Vancouver, BC Group Consultant Saskatoon, SK Royal Bank of Canada Brantford, ON Joseph R. Popkey, RPA Group Consultant Royal Bank of Canada Kitchener, ON

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