Contingent Annuitant

1.15 - Contingent Annuitant means a Spouse, former Spouse or a "dependent" of the Participant as of the date of the Participant's death, as such latter term is defined in the Income Tax Act. "Dependent" includes:

• a parent, grandparent or sibling;
• a child or grandchild of the Participant who is:
• 18 years or younger;
• In full-time attendance at school; or
• mentally or physically infirm.