text: NOTE 22: PENSIONS 
  
  We have contributory and non-contributory defined benefit pension 
  plans that are made available to most of our employees. The plans 
  provide pensions based on years of service, years of contributions and 
  earnings. We do not provide any non-pension post-retirement benefits. 
  We also provide unfunded supplemental pension benefits to certain 
  executives. 
  
  The assets of the defined benefit pension plans are held in segregated 
  accounts isolated from our assets. We administer the defined benefit 
  pension plans pursuant to applicable regulations, the Statement of 
  Investment Policies and Procedures and to the mandate of the Pension 
  Committee of the Board of Directors. The Pension Committee of the 
  Board of Directors oversees our administration of the defined benefits 
  pension plans, which includes the following principal areas: 
  (cid:129) overseeing the  funding,  administration,  communication and 
  investment management of the plans 
  (cid:129) selecting and monitoring the performance of all 
  
  third parties 
  performing duties in respect of the plans, including audit, actuarial 
  and investment management services 
  (cid:129) proposing, considering and approving amendments to the defined 
  benefit pension plans 
  (cid:129) proposing, considering and approving amendments of the Statement 
  of Investment Policies and Procedures 
  (cid:129) reviewing management and actuarial reports prepared in respect of 
  the administration of the defined benefit pension plans 
  (cid:129) reviewing and approving the audited financial statements of the 
  defined benefit pension plan funds. 