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38

2017 Stantec

Benefits Guide

Right to alternative investment.

If your account balance has been defaulted into either the JPMorgan SmartRetirement Funds or

the BlackRock Global Allocation Fund (Class I), you have the right at all times to transfer your

account balance into one or more of the other plan investment options without incurring a

fee or expense for the transfer.

You can make an investment change at any time by accessing Merrill Lynch’s secure Benefits OnLine

website at

benefits.ml.com

or by calling Merrill Lynch at (800) 228-4015. The cutoff time for submitting

an investment change is 4:00 PM (ET). Investment changes submitted after 4:00 PM (ET) will be

executed on the next business day. Some plan investment options other than the Qualified Default

Investment Alternative (QDIA) may be subject to restrictions designed to prevent short-term trading,

also known as market timing. You can find information about these restrictions, if any, on the Benefits

OnLine website under “Investments”, “Investment Choices”, by scrolling over the description of the

“Investment Options”.

Please remember that you’re responsible for investing your plan accounts and reviewing the

plan investment options. You should periodically review the investment performance of your

plan accounts to ensure that you’re comfortable with their performance and that you

can meet your financial objectives.

Where to go for further investment information.

You can obtain further investment information about the other investment options available under

the plan on Merrill Lynch’s secure Benefits OnLine website at

benefits.ml.com

or by calling

Merrill Lynch at (800) 228-4015. If you have questions about accessing your account, you

can also contact a member of the Stantec US Benefits team at (855) 874-6790 or send

a request to the Stantec HR Service Center.