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Welcome to AEO Canada Benefits!

Our compensation and benefits were designed for you and to support AEO’s intent toward Diversity,
Inclusion, and Being Real. We offer highly competitive benefits with choice, so that you can choose the INTRODUCTION
coverage that means the most to you and your family. We partner with the best providers in the industry,
who are committed to giving you the services you need to maintain your Physical, Mental, Financial, and
Social Well-Being. And we share the cost, so that you can afford the best coverage. We are confident
that our programs position us among the best companies in Retail, and we are so pleased that you’ve joined
our team.

This AEO Benefits Booklet* provides the core details of the benefits available to you as an American Eagle
Associate. As you read, we want you to learn about the programs and engage in the coverage, resources,
and services that will help you live your best life.

What’s New This Year

Fasten your seat belts. We have a LOT of great news for you this year!

New Carrier
For the 2022 benefit year, we will be changing partners. Manulife will be providing our group Health,
Dental, Life, and Critical Illness coverage starting January 1, 2022.

New Plan Design Changes and Improvements
AEO is always striving to lead the market in our Associate offerings. In 2022, we have added
enhancements to our Core and Premium plans that will be highlighted in the guide with a
“new this year” flag.

We have also added a new Opt Out / HCSA-only plan to give you more choice. This plan acts as a
default plan for those who do not take action during enrolment. It has an HCSA allowance to
cover CRA-eligible medical / dental expenses. You can also choose this plan if you have full
coverage under another plan but want to use the broader HCSA provision to cover other dependent
expenses in your family.

It’s All About You!

* Please note that this booklet is not the benefits contract. In the instance of a claims dispute,
the insurance carrier contract rules.
FULL TIME AND REGULAR PART-TIME BENEFITS — INTRODUCTION 1

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