Welcome to your New SNC-Lavalin Employee Benefits Program€¦ · 28/11/2016 · 6 SNC-Lavalin Employee Benefits Program Step 3: Review your Flexible Program Keep track of your NEW

FOR NON-UNIONIZED CANADIAN EMPLOYEES OF SNC-LAVALIN, OPERATIONS & MAINTENANCE AND KENTZ ON CERTAIN TYPES OF LEAVES OR LONG-TERM INTERNATIONAL ASSIGNMENT

Transition Guide

Welcome to your

New SNC-Lavalin Employee Benefits Program

2 SNC-Lavalin Employee Benefits Program

You recently learned about your new SNC-Lavalin Employee Benefits Program, effective January 1, 2017. With this change, Sun Life Financial will become the provider of both your group insurance and retirement and savings programs. As a plan member, this move entitles you to a number of service enhancements and benefits to help you invest better, save better and stay better.

You should be reading this guide if, as of January 1, 2017, you will be: • on leave without pay; • receiving long-term disability benefits; • on sick leave, but not receiving any disability benefits; • on temporary lay-off; • on long-term international assignment; or • working in Canada, but still waiting to obtain your provincial coverage.

Inside this guideStep 1: Get connected! 4 Step 2: Download the app 5 Step 3: Review your Flexible Program 6 How to register for direct deposit 8 Good to know 9 How to register for coordination of benefits (COB) with your spouse 10 Step 4: Review your Retirement and Savings Program 11 Your contributions 12 Your investment instructions 13 Your beneficiary designation 16 Enrol in a new product now available to you! 17 Important dates 18 Checklist 19 Appendix 1: Replacement portfolios for transferred assets 20 Appendix 2: Your investment approaches and fund lineup 22

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With both your group insurance and retirement and savings programs with Sun Life Financial, you’ll enjoy having easy access and one-stop support for both programs, online or by calling one toll-free telephone number.

One phone number – 1-866-881-0583 Available any business day between 8 a.m. and 8 p.m. ET to answer all of your questions regarding your group insurance and retirement and savings programs. One website - mysunlife.ca/snclavalin You have 24/7 access to the tools, services and information you need to manage your Employee Benefits Program online in one convenient place. One app - my Sun Life Mobile Use the app to submit and track benefits claims, check full coverage details, review your retirement and savings plan balances, access helpful tools to help you save more money, and use your phone to show your virtual drug and coverage cards whenever and wherever you need them.


Step 1: Get connected!

> This is the same access ID and password to access both your group insurance and retirement and savings accounts.

> This is the same access ID and password you use for the Customer Care Centre, secure website and mobile app.

> Forgot your access ID? On mysunlife.ca/snclavalin select the link Forgot your access ID?

> Forgot your password? On mysunlife.ca/snclavalin select the link Forgot your access ID?

You may wish to bookmark this site for future access.

WELCOME! GROUP INSURANCE RETIREMENT AND SAVINGS

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If you are not a member of this group plan, please use mysunlife.ca to sign in and access your account

Online tutorial

Checking on my Health & Wellness

Looking after my Mental Wellness

Getting involved in your workplace plan

Setting your retirement savings goals

Investment advice is a phone call away

Welcome to your program

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W E L C O M E T O Y O U R

SNC-Lavalin Employee Benefits

Program

© Sun Life Assurance Company of Canada. All rights reserved. legal I privacy I security

my Sun Life MobileFaster. Easier. More connected.

Questions? Call 1-866-881-0583 toconnect with benefits and retirementCustomer Care Centre representatives, any business day, 8 a.m. to 8 p.m. ET.

You need your access ID and password to sign in to mysunlife.ca/snclavalin and access your account, plan and benefits information and an entire suite of tools.

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The my Sun Life Mobile app lets you do everything you’re used to, but on the go!

Download the my Sun Life Mobile app on your smart phone or tablet (available through Apple and Google Play app stores).

You’ll need to set up your access ID and password before signing in.

Now, sign in and enjoy!

Step 2: Download the app


Step 3: Review your Flexible ProgramKeep track of your NEW Group Insurance Program contract numbers: Extended Health Care and Dental benefits: 1503001 Life and Long-Term Disability (LTD) benefits: 1030002

1 If you are on long-term international assignment, or working in Canada and still waiting to obtain your provincial coverage, you remain under your current contract with AIG.

2 If you are receiving long-term disability benefits, you remain under your current contract.

Review your personal information and coverage details • Sign in to mysunlife.ca/snclavalin • Click [Enrolment] under the heading my health and well-being on the Home page • Select [View your coverage summary] under the Enrolment Options box • Review your personal information to ensure all the details are correct. If any changes are needed, please call Sun Life Financial at 1-866-881-0583 on business days, 8 a.m. to 8 p.m. ET • A summary of your coverage is available in the Benefits box located under your personal information

Please note • You have already been enrolled in your plan. Clicking on the [Enrolment] button will direct you to your Group Insurance details.• As described in the letter sent to you, coverage under the Flexible Group Insurance Program has been assigned to you. You will have the opportunity to select your benefits upon returning to work or when you obtain provincial coverage, as applicable.

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Update your beneficiary designation

Even if you have already selected beneficiaries under your current group insurance program, you must select your beneficiaries again. However, any previous irrevocable designation will prevail.

It is recommended that you nominate a beneficiary to ensure that in the event of a life claim, payment can be made promptly and according to your wishes. You can print the beneficiary form at any time accessible from the [Enrolment] link as outlined below. Special note for Quebec residents If you are a Quebec resident and name your legal spouse as your beneficiary, this designation is considered irrevocable (meaning you must have your spouse’s written consent to change your beneficiary designation) unless you specify “revocable” when first naming your spouse as a beneficiary. Print the beneficiary form:

• Sign in to mysunlife.ca/snclavalin • Click [Enrolment] under the heading my health and well-being on the Home page

• Select [View your coverage summary] under the Enrolment Options box

• Click [Print Beneficiary form]

• Download the form in your preferred language of English or French, fill it out as required and mail it to the address provided on the form

Skip this section if... You are receiving long-term disability benefits. You do not need to take any action as you remain covered under your current life insurance contract.


How to register for direct deposit

Sign up for direct deposit to get quicker and more convenient claim payments.

Even if you have previously registered for direct deposit with Sun Life Financial, you have to register again.

• Sign in to mysunlife.ca/snclavalin

• Click [my claims] under the heading my health and well-being on the Home page

• Select [Direct deposit] under the Take me to ...menu on the right side of the page

• Select [update] under “Step 1”, provide your bank information and click [submit]

• Select [update] under “Step 2”, enter your email address and preferences, and click [submit]

• Click [done] to complete your direct deposit registration

Skip this section if... You are on long-term international assignment, or working in Canada and still waiting to obtain your provincial coverage.

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Good to know

Expenses incurred up to December 31, 2016: The deadline for claims to be received by the insurer of your current contract is March 31, 2017.

SNC-Lavalin Paper claims are to be mailed to Sun Life Financial using your current contract number (25622).

Operations & Maintenance Paper claims are to be mailed to Sun Life Financial using your current contract number (150230).

Kentz Claims must be submitted to Great-West Life. For Health Spending Account claims, the deadline is January 31, 2017.

Expenses incurred on or after January 1, 2017 should be sent to Sun Life Financial. These claims are to be submitted under your new contract number (150300) and may be submitted online through mysunlife.ca/snclavalin, the my Sun Life Mobile app or by mailing in a paper claim.

Generic substitution: Starting on January 1, 2017, if a generic drug exists and you choose to buy the brand-name drug instead, you will be reimbursed for the cost of the lowest cost alternative (usually generic), unless your doctor provides medical justification for the brand-name drug. Exceptions are subject to Sun Life’s approval.

Exception drugs approved under your current program will automatically be approved under the Flex Program.


Use your virtual drug and coverage cards! You will not be receiving plastic cards with your new Flexible Program. Your drug and coverage cards will be accessible through the my Sun Life Mobile app. Save your cards in your e-wallet and make sure to share them with your dentist or pharmacist for instant payment of your covered expenses. Should you wish to print your cards, sign in to mysunlife.ca/snclavalin, select your contract number under the heading my health and well-being from the Home page, then click on the [Print Drug Card] link on the right side of the Quick View page. Make sure to use your current cards for expenses incurred until December 31, 2016, otherwise your claim will be rejected. The new cards will be effective January 1, 2017.


How to register for coordination of benefits (COB) with your spouse

If you have a spouse who also has a benefits plan with family coverage, you may be able to claim benefits under both plans. Coordination of benefits (COB) allows you to claim under both plans for up to a combined maximum of 100% of the eligible (reasonable and customary) amount of the coverage expense.

To find out how to do this, sign in to mysunlife.ca/snclavalin, select your contract number under the heading my health and well-being from the Home page and then select [Coordination of benefits] under Take me to... (on the right side of the Quick view screen).

To update your current COB information:

• Select [update]

• Select the statement that applies to your spouse’s coverage under each contract number

• Select [update now] when done


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Step 4: Review your Retirement and Savings ProgramDepending on your status, you might be eligible to participate in the Retirement and Savings Program starting on January 1, 2017, or when you return to work. Your eligibility to the Program is described in the letter that was sent to you.

SNC-Lavalin has automatically set up some of the new plans for you at Sun Life Financial. It is therefore important that you review the setup of your account to ensure it aligns with your wishes. When you first review your account online, you will see how each product in your account has automatically been set up for you. Please review each product’s investment instructions and contribution rates, if applicable, to ensure they align with your personal risk tolerance and retirement goals.

Skip this section if... You do not have any assets in the Harvest Retirement Savings Program (Harvest) or Harvest International Savings Program (Harvest International) at Manulife, or in the Kentz DC plan at Great-West Life.


Your contributions

If you’re currently contributing to the Harvest International Program:

We set up your plan (now called the International Savings Plan) assuming you will maintain your contribution rate, up to 5%, effective September 30, 2016.

If you’re currently contributing to the Harvest Program:

• We set up your SNCL Retirement Plan (DCPP) assuming you will maintain your base contribution rate, up to 5%, effective September 30, 2016, so that you benefit from the 100% employer match in the DCPP.

• If part of your base contribution is currently allocated to a spousal account, we assumed you will maintain your total base contribution rate in the DCPP in order to benefit from the 100% employer match, as no spousal account is allowed in the DCPP.

• If you currently make supplementary contributions to the Harvest Program, we assumed you will maintain your contribution rate effective as of September 30, 2016, in the new SNCL Group RRSP.

• If you currently make supplementary contributions to a spousal account in the Harvest Program, we assumed you will maintain your contribution rate effective as of September 30, 2016, in the spousal account of the new SNCL Group RRSP.

Please note Should you wish to update your contribution rate, you must do so before December 7, 2016 if you want your new contribution rate to apply to your first contribution at Sun Life Financial in January 2017.

How to update your contribution rate You can update your contribution rate online or by calling the Customer Care Centre. To update your instructions online, once you’ve signed in to mysunlife.ca/snclavalin:

• select [my financial centre] from the Home page

• select [Payroll contributions] from the Requests drop-down menu

• use the Payroll contribution calculator to help you decide how much to contribute from each pay

• you will see your current payroll deduction instructions

listed. Simply type in the new percentage you wish to contribute under the Member Contribution column, and select [Save and Continue]

• review your new instructions, and if you’re happy with your choice, select [Submit]

Skip this section if... You are not currently contributing to the Harvest or Harvest International Program, or to the Kentz DC plan.

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Your investment instructions

If you do not take action regarding your investment instructions before December 31, 2016 Your assets will automatically be invested in the replacement portfolios at Sun Life Financial as described in Appendix 1.

Skip this section if... You do not have assets in the Harvest or Harvest International Program, or in the Kentz DC plan.

Your current asset mix and investment instructions will not carry over to Sun Life Financial. Your transferred assets will be allocated and invested according to the fund mapping table in Appendix 1.

As a general rule, all funds with Manulife will be replaced with the SNCL Moderate Portfolio with a maturity date closest to, but not exceeding, your 65th birthday.

However, if your assets are currently invested in one of the three balanced portfolios (conservative, moderate or aggressive), the replacement SNCL Target Portfolio chosen for you will reflect the risk profile of the portfolio in which you are currently invested (see Appendix 1 for details).

The resulting new investment instructions will be applicable to:

• Assets transferred from your Harvest and/or Harvest International Program account at Manulife

• DCPP contributions starting in 2017 (employee and employer match), if applicable

• Group RRSP contributions starting in 2017, if applicable

• International Savings Plan contributions starting in 2017 (employee and employer match), if applicable

How will your assets held at Manulife transfer to Sun Life Financial?All assets will transfer to Sun Life.

This includes your current Harvest Program account (your Group RRSP holding employee contributions and your DPSP holding employer contributions), but also any other accounts, such as a spousal account, a locked-in retirement account (LIRA), or a non-registered account, such as your Harvest International Program account.


a. Determine how comfortable you are with investment risk

You can determine your comfort level with investment risk by using the online Asset allocation tool.

• Sign in to mysunlife.ca/snclavalin using your access ID and password, and select [my financial centre] from the Home page

• Select [my money tools] under the Resource Centre drop-down menu and select [Continue] to begin

b. Determine how much you need to save to meet your personal retirement goals

The Retirement planner lets you determine how much you need to save now to provide you with your desired income level in retirement. You can adjust a number of variables and, as they change over time, use the planner to update your calculations to see if any changes to your plan are necessary.

• To access the Retirement planner, select [my money tools] under the Resource Centre drop-down menu followed by Retirement planner

c. Learn more about your investment options

To learn more about your investment approaches and new fund lineup, review “Your investment approaches and fund lineup” section in Appendix 2 or sign in to mysunlife.ca/snclavalin.

Under my financial future, select [my financial centre]and discover lots of ways to learn – through e-books, videos and more – under Resource Centre, select [my learning centre] on the top page navigation bar

You can also access detailed fund information through Morningstar®, a leading provider of investment news and analysis.

Select [Investment performance] under the Accounts drop-down menu, then click on:

• [Rates of Return and Unit Values], to see how the

funds available in the plan have performed; or

• [Fund Report], to access tools and information on your funds

Before changing your investment instructions, you might want to follow these steps to ensure your investment strategy is right for you.

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How to update your investments

You can change your investment instructions online or by calling the Customer Care Centre.

There are no charges for transfers; however, a two per cent fee may be charged if you make a transfer into a fund followed by a transfer out of the same fund within 30 calendar days.

To update your investment instructions online, select [Change investments] under the Requests drop-down menu.


Your beneficiary designation

If you have designated a beneficiary for your assets currently with Manulife It will transfer to Sun Life Financial for the RRSP, DPSP and Harvest International.

If the new DCPP is set up for you at Sun Life You must designate a beneficiary, or your beneficiary will default to your estate. It is important to choose a beneficiary for your plan assets so they are distributed according to your wishes in the event of your death.

Under the DCPP, if you have a spouse when you die, the law stipulates that all or part of the death benefit be paid to your surviving spouse unless, where provided, your spouse waives the death benefit. A beneficiary designation other than your spouse would only apply to those death benefits which are not, according to the law, payable to your surviving spouse. If you wish to ensure that your spouse receives all benefits, please designate your spouse here. However, in some pension jurisdictions your spouse can waive this entitlement in writing, allowing you to appoint a beneficiary. Where Quebec law applies, a legal (married or civil union) spouse beneficiary is irrevocable unless you indicate otherwise. • Sign in to mysunlife.ca/snclavalin using your access ID and password, and select [my financial centre] from the

Home page

• Select [Beneficiary info] from the Quick Links drop-down menu and provide your beneficiary’s information

Skip this section if... You do not have assets in the Harvest or Harvest International Program, or in the Kentz DC plan.

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Enrol in a new product now available to you!

• Select [Let’s get started!] to begin

• Check the boxes beside each plan you want to enrol in

• Follow the instructions to choose how much you want to contribute and where you want to invest the contributions. If you are not currently receiving a salary from the company, you can still make lump-sum contributions to your account.

• Make sure you designate a beneficiary for each plan you enrol in (at the end of your enrolment, or at any time by selecting [Beneficiary info] from the Quick Links drop-down menu after you finish enrolling)

If you want to enrol in a product that has not been automatically set up for you, such as the SNCL Group RRSP or the SNCL Tax-Free Savings Account (TFSA), follow these instructions:

• Sign in to mysunlife.ca/snclavalin using your access ID and password

• From the Home page, select [my financial centre] under my financial future

• Select [Enrol] from the Requests drop-down menu

Skip this section if... You are participating to the Harvest International Program.


Important datesTo allow for the transfer of assets to take place, both your Sun Life Financial account and your account with Manulife will be unavailable for transactions, as described below:

Changes to your investment instructions and beneficiary designations at Manulife will be allowed until

Your existing assets will transfer to Sun Life Financial on

Your account will be AVAILABLE for transactions at Sun Life Financial starting

4 p.m. ET on January 19, 2017 January 24, 2017 January 26, 2017

We’re here for you! As part of your plan, we’re here to help you with your benefits plan needs. Contact us at 1-866-881-0583 on any business day, 8 a.m. to 8 p.m. ET if you have questions about your benefits plan, including updating benefits or adding coverage to reflect a change in your life, or for any questions related to your Retirement and Savings program.

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√ Have you downloaded the my Sun Life Mobile app?

√ Unless you are covered by AIG, have you registered for direct deposit?

√ Unless you are receiving long-term disability benefits, have you chosen a beneficiary under your Flexible Program?

√ If you are currently contributing to the Harvest or Harvest International Program, have you reviewed your contribution rate?

√ If you have assets in the Harvest or Harvest International Program, have you reviewed your investment instructions?

√ If the new SNCL Retirement Plan (DCPP) has been set up for you, have you chosen a beneficiary?

Checklist


Appendix 1: Replacement portfolios for transferred assetsReview the following chart to see how your assets at Manulife will automatically be invested in replacement portfolios at Sun Life Financial.

Fund category Existing funds at Manulife Replacement portfolios at Sun Life Financial

Balanced Portfolios Conservative Balanced Portfolio

SNCL Conservative Portfolio with a maturity date closest to, but not exceeding, your 65th birthday.

Moderate Balanced PortfolioSNCL Moderate Portfolio with a maturity date closest to, but not exceeding, your 65th birthday.

Aggressive Balanced PortfolioSNCL Aggressive Portfolio with a maturity date closest to, but not exceeding, your 65th birthday.

Guaranteed SL of Canada daily interest account

SNCL Moderate Portfolio with a maturity date closest to, but not exceeding, your 65th birthday.

SL of Canada - 1 year

SL of Canada - 2 years




5 years (Compound Interest Account)

Money market Money market SLI

Bond (fixed income)

Canadian Bond Index SLI

Canadian Bond Active SLI

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Fund category Existing funds at Manulife Replacement portfolios at Sun Life Financial

Balanced Diversified SLI

SNCL Moderate Portfolio with a maturity date closest to, but not exceeding, your 65th birthday.

Canadian equity Canadian growth fund - CC&L

Canadian equity JF

Canadian equity SLI

Canadian small CAP SLI

Canadian equity index SLI

U.S. equity U.S. equity direct index registered SLI

U.S. equity index SLI

International equity

International equity - Fiera Capital

International equity SLI

International equity index BlackRock

Global equity Global equity - MFS IM


Appendix 2: Your investment approaches and fund lineupYou have a variety of investments to choose from, with two distinct investment approaches in which you can invest and save: built FOR me and built BY me. Built FOR me You can simplify your investment decision-making process by choosing from the plan’s pre-built portfolios. These are pre-built portfolios based on a target date and your investment risk tolerance. Your target date is the date when you expect to retire or the date at which you expect to start withdrawing assets. SNCL Target Portfolios help you invest based on your investment time horizon – meaning when you need your money – and your comfort level with investment risk. Each portfolio automatically becomes more conservative (less risky) as it gets closer to its target date, but how the portfolios’ asset mix adjusts depends on the risk profile you choose. The portfolios provide diversification and are managed by a team of experts to help you stay on track for the long term. At maturity, a portfolio’s assets transfer to the SNCL Retirement Portfolio, which is designed for investors who will soon be drawing an income from their savings. Each portfolio’s asset mix was designed based on the length of time you have until you want your money and your comfort with risk.

Here are the built FOR me Target Portfolios available to you:

SNCL Target Portfolios

SNCL Conservative Portfolio Eight target dates from 2020 to 2055, in five-year increments

SNCL Moderate Portfolio Eight target dates from 2020 to 2055, in five-year increments

SNCL Aggressive Portfolio Eight target dates from 2020 to 2055, in five-year increments

SNCL Retirement Portfolio

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YOU SHOULD CONSIDER AN SNCL Target Portfolio IF YOU: • have a good idea of when you will need your money;

• have little interest in actively managing your portfolio, or feel you lack the knowledge or experience to manage your portfolio; and

• are comfortable with the portfolios strategy of decreasing levels of risk and potential returns as you approach your target date.

IF YOU DECIDE TO INVEST IN ONE OF THE SNCL Target Portfolios, ALL YOU HAVE TO DO IS:

1. complete the online Asset allocation tool. It provides you with an investment risk profile/score based on your answers to the questions – and it only takes a few minutes to complete;

2. determine your target date and invest in the portfolio that most closely matches this date and your investment risk profile and select the corresponding portfolio;

3. review your risk tolerance at least once each year – or when a major life event occurs – to ensure that the Target Portfolio you’re invested in continues to meet your needs. If it doesn’t, you can switch to another portfolio that better matches your risk tolerance.

Bill’s case study Bill is in his mid-twenties; he’s busy starting his career, planning a wedding and buying a house.

Between upgrading his skills and managing his personal life, he doesn’t have much time to think about investing. Bill just wants to put some money away for his future; he doesn’t want to spend too much time managing a portfolio. Bill completed the Asset allocation tool and discovered that he has a moderate risk level. Since Bill plans on retiring when he’s 65, he chooses the SNCL Moderate 2055 Portfolio.

* Portfolio mixes are for illustration purposes only, and do not represent actual allocation of funds.

SNCL Moderate 2055 Portfolio*

Fixed IncomeCash Canadian Equity U.S. Equity International Equity Others

2055 2050 2045 20402035

20302025

2020RetirementPortfolio

Asset mixes adjust gradually over time as you approach your target date


Beth’s case study As a single parent who just started a new job, Beth, 42, is busy balancing work with the demands of her family. With so much on her plate, she wants to save as much as she can and not think about it. Beth completed the Asset allocation tool and discovered that she has a conservative risk level. Beth hopes to retire at 65 (even though she may have to work longer), so she selects the SNCL Conservative 2040 Portfolio.

Carol’s case study Carol is so close to retirement she is actively planning her future. At 55, she has 10 or less years of work left. She wants to make sure she has a diversified portfolio that’s moving to a more conservative asset mix as she approaches retirement. Carol completed the Asset allocation tool and discovered that she has an aggressive risk level. To achieve this investment objective, she invests her money in the SNCL Aggressive 2020 Portfolio.

* Portfolio mixes are for illustration purposes only, and do not represent actual allocation of funds.


SNCL Conservative 2040 Portfolio*

20402035

20302025

2020RetirementPortfolio


SNCL Aggressive 2020 Portfolio*


2020 RetirementPortfolio


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Built BY me You can create your own portfolio from a list of specially selected funds. This approach suits plan members who want to actively choose and monitor their investments. You can choose a mix of funds that matches your investor risk profile. You should use the online Asset allocation tool before choosing the built BY me approach.

Here are the built BY me funds available to you:

Fund category

Guaranteed SLA 1 Year Guaranteed fund

SLA 5 Year Guaranteed fund

Money market Sun Life Financial Money Market Segregated Fund

Bond (Fixed income) BlackRock Universe Bond Index Segregated Fund

Canadian equity BlackRock S&P/TSX Composite Index Segregated Fund

CC&L Group Canadian Q Growth Segregated Fund

Jarislowsky Fraser Canadian Equity Segregated Fund

U.S. equity BlackRock U.S. Equity Index Segregated Fund (Registered)

BlackRock U.S. Equity Index Segregated Fund

International equity BlackRock EAFE Equity Index Segregated Fund

Fiera International Equity Segregated Fund

Global equity Sun Life MFS Global Value Segregated Fund

Default option If you do not provide active investment instructions for your plans, your contributions will be directed to the SNCL Moderate Portfolio with the maturity date closest to your 65th birthday (without exceeding it), which is the default option in your Program. Since this investment option may not be suited to your investment horizon and risk profile, we recommend you take the time to assess your financial and retirement goals to determine the investment strategy that best fits your needs.

We are committed to helping you continue to invest better, save better and stay better

PRIVACY AND YOUR PLAN

Within the Sun Life Financial group of companies, protecting your privacy is a priority. Access to your personal information is restricted to those team members and representatives, including individuals from your company’s HR department who are responsible for the administration and servicing of your plans with us, or any other person whom you authorize. You are entitled to review your information and, if applicable, to have it corrected by sending a written request to us. For full details of our privacy policy, or if you have any questions or concerns, please send a request by email to [email protected] or go to sunlife.ca/privacy.

Group Benefits and Group Retirement Services are provided by Sun Life Assurance Company of Canada. Sun Life Assurance Company of Canada is the insurer, and is a member of the Sun Life Financial group of companies © Sun Life Assurance Company of Canada, 2016. 11/16-mzb-je (SNC-Lavalin_Leave_Transition Brochure_E_V6_1116) For non-unionized Canadian employees of SNC-Lavalin, Operations & Maintenance and Kentz on certain types of leaves or long-term international assignment. Should there be a discrepancy between this document and the contracts establishing the programs and benefits, the latter shall prevail.

All benefits will be paid in accordance with the provisions of the official plan documents. Your employer and Sun Life Financial reserve the right to alter, amend or terminate the plan at any time.

Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Documents

Welcome to your New SNC-Lavalin Employee Benefits Program€¦ · 28/11/2016 · 6 SNC-Lavalin Employee Benefits Program Step 3: Review your Flexible Program Keep track of your NEW