<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:dt="uuid:C2F41010-65B3-11d1-A29F-00AA00C14882" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=us-ascii">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
        {font-family:Wingdings;
        panose-1:5 0 0 0 0 0 0 0 0 0;}
@font-face
        {font-family:"Cambria Math";
        panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
        {font-family:Calibri;
        panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
        {font-family:"Calibri Light";
        panose-1:2 15 3 2 2 2 4 3 2 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
        {margin-top:0in;
        margin-right:0in;
        margin-bottom:8.0pt;
        margin-left:0in;
        line-height:105%;
        font-size:11.0pt;
        font-family:"Calibri",sans-serif;}
h1
        {mso-style-priority:9;
        mso-style-link:"Heading 1 Char";
        margin-top:12.0pt;
        margin-right:0in;
        margin-bottom:0in;
        margin-left:0in;
        margin-bottom:.0001pt;
        line-height:105%;
        page-break-after:avoid;
        font-size:16.0pt;
        font-family:"Calibri Light",sans-serif;
        color:#2E74B5;
        font-weight:normal;}
h3
        {mso-style-priority:9;
        mso-style-link:"Heading 3 Char";
        margin-top:2.0pt;
        margin-right:0in;
        margin-bottom:0in;
        margin-left:0in;
        margin-bottom:.0001pt;
        line-height:105%;
        page-break-after:avoid;
        font-size:12.0pt;
        font-family:"Calibri Light",sans-serif;
        color:#1F4D78;
        font-weight:normal;}
a:link, span.MsoHyperlink
        {mso-style-priority:99;
        color:#0563C1;
        text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
        {mso-style-priority:99;
        color:#954F72;
        text-decoration:underline;}
p.MsoNoSpacing, li.MsoNoSpacing, div.MsoNoSpacing
        {mso-style-priority:1;
        margin:0in;
        margin-bottom:.0001pt;
        font-size:11.0pt;
        font-family:"Calibri",sans-serif;}
p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph
        {mso-style-priority:34;
        margin-top:0in;
        margin-right:0in;
        margin-bottom:8.0pt;
        margin-left:.5in;
        mso-add-space:auto;
        line-height:105%;
        font-size:11.0pt;
        font-family:"Calibri",sans-serif;}
p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst
        {mso-style-priority:34;
        mso-style-type:export-only;
        margin-top:0in;
        margin-right:0in;
        margin-bottom:0in;
        margin-left:.5in;
        margin-bottom:.0001pt;
        mso-add-space:auto;
        line-height:105%;
        font-size:11.0pt;
        font-family:"Calibri",sans-serif;}
p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle
        {mso-style-priority:34;
        mso-style-type:export-only;
        margin-top:0in;
        margin-right:0in;
        margin-bottom:0in;
        margin-left:.5in;
        margin-bottom:.0001pt;
        mso-add-space:auto;
        line-height:105%;
        font-size:11.0pt;
        font-family:"Calibri",sans-serif;}
p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast
        {mso-style-priority:34;
        mso-style-type:export-only;
        margin-top:0in;
        margin-right:0in;
        margin-bottom:8.0pt;
        margin-left:.5in;
        mso-add-space:auto;
        line-height:105%;
        font-size:11.0pt;
        font-family:"Calibri",sans-serif;}
p.Body, li.Body, div.Body
        {mso-style-name:Body;
        margin-top:0in;
        margin-right:0in;
        margin-bottom:12.0pt;
        margin-left:0in;
        font-size:10.0pt;
        font-family:"Arial",sans-serif;}
p.Default, li.Default, div.Default
        {mso-style-name:Default;
        margin:0in;
        margin-bottom:.0001pt;
        text-autospace:none;
        font-size:12.0pt;
        font-family:"Times New Roman",serif;
        color:black;}
span.Heading1Char
        {mso-style-name:"Heading 1 Char";
        mso-style-priority:9;
        mso-style-link:"Heading 1";
        font-family:"Calibri Light",sans-serif;
        color:#2E74B5;}
span.Heading3Char
        {mso-style-name:"Heading 3 Char";
        mso-style-priority:9;
        mso-style-link:"Heading 3";
        font-family:"Calibri Light",sans-serif;
        color:#1F4D78;}
.MsoChpDefault
        {mso-style-type:export-only;
        font-family:"Calibri",sans-serif;}
.MsoPapDefault
        {mso-style-type:export-only;
        margin-bottom:8.0pt;
        line-height:107%;}
@page WordSection1
        {size:8.5in 11.0in;
        margin:.3in 1.0in .3in 1.0in;}
div.WordSection1
        {page:WordSection1;}
/* List Definitions */
@list l0
        {mso-list-id:127865592;
        mso-list-type:hybrid;
        mso-list-template-ids:-1925014362 1323867992 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l0:level1
        {mso-level-start-at:0;
        mso-level-number-format:bullet;
        mso-level-text:\2022;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:.75in;
        text-indent:-.5in;
        font-family:"Arial",sans-serif;
        mso-fareast-font-family:Calibri;
        mso-fareast-theme-font:minor-latin;}
@list l0:level2
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l0:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l0:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l0:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l0:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l0:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l0:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l0:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l1
        {mso-list-id:178738084;
        mso-list-type:hybrid;
        mso-list-template-ids:1813923070 1323867992 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l1:level1
        {mso-level-start-at:0;
        mso-level-number-format:bullet;
        mso-level-text:\2022;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:.75in;
        text-indent:-.5in;
        font-family:"Arial",sans-serif;
        mso-fareast-font-family:Calibri;
        mso-fareast-theme-font:minor-latin;}
@list l1:level2
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l1:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l1:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l1:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l1:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l1:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l1:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l1:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l2
        {mso-list-id:342898356;
        mso-list-type:hybrid;
        mso-list-template-ids:256276370 639549424 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l2:level1
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:35.3pt;
        text-indent:-.25in;
        mso-ansi-font-size:12.0pt;
        font-family:Symbol;
        color:#234674;
        mso-ansi-font-weight:normal;
        mso-ansi-font-style:normal;}
@list l2:level2
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:71.3pt;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l2:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:107.3pt;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l2:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:143.3pt;
        text-indent:-.25in;
        font-family:Symbol;}
@list l2:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:179.3pt;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l2:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:215.3pt;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l2:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:251.3pt;
        text-indent:-.25in;
        font-family:Symbol;}
@list l2:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:287.3pt;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l2:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:323.3pt;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l3
        {mso-list-id:1031691816;
        mso-list-type:hybrid;
        mso-list-template-ids:-1001631140 -417015488 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l3:level1
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:center;
        margin-left:40.3pt;
        text-indent:-.25in;
        mso-ansi-font-size:12.0pt;
        mso-bidi-font-size:11.0pt;
        font-family:Symbol;
        color:#002060;
        mso-hide:none;
        text-transform:none;
        mso-ansi-font-weight:normal;
        mso-ansi-font-style:normal;
        text-decoration:none;
        text-line-through:none;
        vertical-align:baseline;}
@list l3:level2
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:76.3pt;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l3:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:112.3pt;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l3:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:148.3pt;
        text-indent:-.25in;
        font-family:Symbol;}
@list l3:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:184.3pt;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l3:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:220.3pt;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l3:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:256.3pt;
        text-indent:-.25in;
        font-family:Symbol;}
@list l3:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:292.3pt;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l3:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:328.3pt;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l4
        {mso-list-id:1179586208;
        mso-list-type:hybrid;
        mso-list-template-ids:1826397404 1323867992 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l4:level1
        {mso-level-start-at:0;
        mso-level-number-format:bullet;
        mso-level-text:\2022;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:.75in;
        text-indent:-.5in;
        font-family:"Arial",sans-serif;
        mso-fareast-font-family:Calibri;
        mso-fareast-theme-font:minor-latin;}
@list l4:level2
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l4:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l4:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l4:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l4:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l4:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l4:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l4:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l5
        {mso-list-id:1324622610;
        mso-list-type:hybrid;
        mso-list-template-ids:1308283108 -417015488 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l5:level1
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:center;
        text-indent:-.25in;
        mso-ansi-font-size:12.0pt;
        mso-bidi-font-size:11.0pt;
        font-family:Symbol;
        color:#002060;
        mso-hide:none;
        text-transform:none;
        mso-ansi-font-weight:normal;
        mso-ansi-font-style:normal;
        text-decoration:none;
        text-line-through:none;
        vertical-align:baseline;}
@list l5:level2
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l5:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l5:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l5:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l5:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l5:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l5:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l5:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l6
        {mso-list-id:1341395242;
        mso-list-type:hybrid;
        mso-list-template-ids:1282604706 67698689 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l6:level1
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l6:level2
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l6:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l6:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l6:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l6:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l6:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l6:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l6:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l7
        {mso-list-id:1361123304;
        mso-list-type:hybrid;
        mso-list-template-ids:-1573627930 -2051129764 67698713 67698715 67698703 67698713 67698715 67698703 67698713 67698715;}
@list l7:level1
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:35.3pt;
        text-indent:-.25in;
        mso-ansi-font-size:11.0pt;
        font-family:Symbol;
        color:#234674;
        mso-ansi-font-weight:normal;
        mso-ansi-font-style:normal;}
@list l7:level2
        {mso-level-number-format:alpha-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:71.3pt;
        text-indent:-.25in;}
@list l7:level3
        {mso-level-number-format:roman-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:right;
        margin-left:107.3pt;
        text-indent:-9.0pt;}
@list l7:level4
        {mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:143.3pt;
        text-indent:-.25in;}
@list l7:level5
        {mso-level-number-format:alpha-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:179.3pt;
        text-indent:-.25in;}
@list l7:level6
        {mso-level-number-format:roman-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:right;
        margin-left:215.3pt;
        text-indent:-9.0pt;}
@list l7:level7
        {mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:251.3pt;
        text-indent:-.25in;}
@list l7:level8
        {mso-level-number-format:alpha-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:287.3pt;
        text-indent:-.25in;}
@list l7:level9
        {mso-level-number-format:roman-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:right;
        margin-left:323.3pt;
        text-indent:-9.0pt;}
@list l8
        {mso-list-id:1419516321;
        mso-list-type:hybrid;
        mso-list-template-ids:577261846 -2122671406 67698713 67698715 67698703 67698713 67698715 67698703 67698713 67698715;}
@list l8:level1
        {mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:35.3pt;
        text-indent:-.25in;
        mso-ansi-font-size:11.0pt;
        color:#1F3864;
        mso-themecolor:accent5;
        mso-themeshade:128;}
@list l8:level2
        {mso-level-number-format:alpha-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:71.3pt;
        text-indent:-.25in;}
@list l8:level3
        {mso-level-number-format:roman-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:right;
        margin-left:107.3pt;
        text-indent:-9.0pt;}
@list l8:level4
        {mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:143.3pt;
        text-indent:-.25in;}
@list l8:level5
        {mso-level-number-format:alpha-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:179.3pt;
        text-indent:-.25in;}
@list l8:level6
        {mso-level-number-format:roman-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:right;
        margin-left:215.3pt;
        text-indent:-9.0pt;}
@list l8:level7
        {mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:251.3pt;
        text-indent:-.25in;}
@list l8:level8
        {mso-level-number-format:alpha-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:287.3pt;
        text-indent:-.25in;}
@list l8:level9
        {mso-level-number-format:roman-lower;
        mso-level-tab-stop:none;
        mso-level-number-position:right;
        margin-left:323.3pt;
        text-indent:-9.0pt;}
@list l9
        {mso-list-id:1428384089;
        mso-list-type:hybrid;
        mso-list-template-ids:-1939962448 639549424 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l9:level1
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        mso-ansi-font-size:12.0pt;
        font-family:Symbol;
        color:#234674;
        mso-ansi-font-weight:normal;
        mso-ansi-font-style:normal;}
@list l9:level2
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l9:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l9:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l9:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l9:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l9:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l9:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l9:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l10
        {mso-list-id:1508789098;
        mso-list-type:hybrid;
        mso-list-template-ids:502720188 67698689 967483534 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l10:level1
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:35.3pt;
        text-indent:-.25in;
        font-family:Symbol;}
@list l10:level2
        {mso-level-start-at:0;
        mso-level-number-format:bullet;
        mso-level-text:\2022;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:89.8pt;
        text-indent:-36.5pt;
        font-family:"Arial",sans-serif;
        mso-fareast-font-family:Calibri;
        mso-fareast-theme-font:minor-latin;}
@list l10:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:107.3pt;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l10:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:143.3pt;
        text-indent:-.25in;
        font-family:Symbol;}
@list l10:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:179.3pt;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l10:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:215.3pt;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l10:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:251.3pt;
        text-indent:-.25in;
        font-family:Symbol;}
@list l10:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:287.3pt;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l10:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        margin-left:323.3pt;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l11
        {mso-list-id:1610509381;
        mso-list-type:hybrid;
        mso-list-template-ids:-1639020222 -417015488 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l11:level1
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:center;
        text-indent:-.25in;
        mso-ansi-font-size:12.0pt;
        mso-bidi-font-size:11.0pt;
        font-family:Symbol;
        color:#002060;
        mso-hide:none;
        text-transform:none;
        mso-ansi-font-weight:normal;
        mso-ansi-font-style:normal;
        text-decoration:none;
        text-line-through:none;
        vertical-align:baseline;}
@list l11:level2
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l11:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l11:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l11:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l11:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l11:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l11:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l11:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l12
        {mso-list-id:1852405892;
        mso-list-type:hybrid;
        mso-list-template-ids:-155834762 -417015488 67698703 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l12:level1
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:center;
        text-indent:-.25in;
        mso-ansi-font-size:12.0pt;
        mso-bidi-font-size:11.0pt;
        font-family:Symbol;
        color:#002060;
        mso-hide:none;
        text-transform:none;
        mso-ansi-font-weight:normal;
        mso-ansi-font-style:normal;
        text-decoration:none;
        text-line-through:none;
        vertical-align:baseline;}
@list l12:level2
        {mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;}
@list l12:level3
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l12:level4
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l12:level5
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l12:level6
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
@list l12:level7
        {mso-level-number-format:bullet;
        mso-level-text:\F0B7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Symbol;}
@list l12:level8
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:"Courier New";}
@list l12:level9
        {mso-level-number-format:bullet;
        mso-level-text:\F0A7;
        mso-level-tab-stop:none;
        mso-level-number-position:left;
        text-indent:-.25in;
        font-family:Wingdings;}
ol
        {margin-bottom:0in;}
ul
        {margin-bottom:0in;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1033" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="EN-US" link="#0563C1" vlink="#954F72">
<div class="WordSection1">
<h1><img width="150" height="57" id="Picture_x0020_1" src="cid:image001.png@01D6FBD3.331713F0"></h1>
<p class="MsoNormal"><o:p> </o:p></p>
<table class="MsoNormalTable" border="1" cellspacing="0" cellpadding="0" style="border-collapse:collapse;border:none">
<tbody>
<tr>
<td width="623" valign="top" style="width:467.5pt;border:dotted #DEEAF6 1.0pt;border-bottom:solid #DEEAF6 1.0pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
<span style="font-family:"Arial",sans-serif">February 5, 2021<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
<span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:6.0pt;line-height:normal"><span style="font-family:"Arial",sans-serif">To:          Department Benefits Representatives (DBRs)<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:6.0pt;line-height:normal"><span style="font-family:"Arial",sans-serif">From:      HR Benefits Office
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:6.0pt;text-indent:-.7pt;line-height:normal">
<span style="font-family:"Arial",sans-serif">Re:          On the Horizon: Flexible Benefits, New Talent Challenges & More<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width="623" valign="top" style="width:467.5pt;border-top:none;border-left:dotted #DEEAF6 1.0pt;border-bottom:solid #DEEAF6 1.0pt;border-right:dotted #DEEAF6 1.0pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" style="mso-margin-top-alt:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;text-align:justify">
<a name="_Hlk63423063"><i><span style="font-size:10.0pt;line-height:105%;font-family:"Arial",sans-serif;color:#002060">On behalf of Bright Horizons, the HR Benefits Office is sharing their On the Horizon newsletter featuring benefits that that may be of interest
 to UCR faculty and staff.</span></i></a><i><span style="font-size:10.0pt;line-height:105%;font-family:"Arial",sans-serif;color:#002060"><o:p></o:p></span></i></p>
</td>
</tr>
<tr>
<td width="623" valign="top" style="width:467.5pt;border-top:none;border-left:dotted #DEEAF6 1.0pt;border-bottom:none;border-right:dotted #DEEAF6 1.0pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:center;line-height:110%">
<span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
</td>
</tr>
<tr>
<td width="623" valign="top" style="width:467.5pt;border-top:none;border-left:dotted #DEEAF6 1.0pt;border-bottom:none;border-right:dotted #DEEAF6 1.0pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:justify;line-height:110%">
<!--[if gte vml 1]><o:wrapblock><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f">
<v:stroke joinstyle="miter" />
<v:formulas>
<v:f eqn="if lineDrawn pixelLineWidth 0" />
<v:f eqn="sum @0 1 0" />
<v:f eqn="sum 0 0 @1" />
<v:f eqn="prod @2 1 2" />
<v:f eqn="prod @3 21600 pixelWidth" />
<v:f eqn="prod @3 21600 pixelHeight" />
<v:f eqn="sum @0 0 1" />
<v:f eqn="prod @6 1 2" />
<v:f eqn="prod @7 21600 pixelWidth" />
<v:f eqn="sum @8 21600 0" />
<v:f eqn="prod @7 21600 pixelHeight" />
<v:f eqn="sum @10 21600 0" />
</v:formulas>
<v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect" />
<o:lock v:ext="edit" aspectratio="t" />
</v:shapetype><v:shape id="Picture_x0020_21" o:spid="_x0000_s1032" type="#_x0000_t75" style='position:absolute;left:0;text-align:left;margin-left:24.35pt;margin-top:0;width:410.4pt;height:113.05pt;z-index:251679744;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:text;mso-width-percent:0;mso-height-percent:0;mso-width-relative:margin;mso-height-relative:margin'>
<v:imagedata src="cid:image002.png@01D6FBD3.331713F0" o:title="" />
<w:wrap type="topAndBottom"/>
</v:shape><![endif]--><![if !vml]><span style="mso-ignore:vglayout">
<table cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td width="48" height="0"></td>
</tr>
<tr>
<td></td>
<td><img width="547" height="150" src="cid:image003.png@01D6FBD3.331713F0" v:shapes="Picture_x0020_21"></td>
</tr>
</tbody>
</table>
</span><![endif]><!--[if gte vml 1]></o:wrapblock><![endif]--><br style="mso-ignore:vglayout" clear="ALL">
<span style="font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width="623" valign="top" style="width:467.5pt;border:none;border-bottom:solid #DEEAF6 1.0pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" align="center" style="mso-margin-top-alt:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:-5.75pt;text-align:center;line-height:115%">
<span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif">This month, we’re covering the creative and flexible benefit strategies forged during a pandemic, emerging talent challenges, and how 2020 reshaped Human Resources (HR).</span><span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal" style="mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in">
<b><span style="font-size:12.0pt;line-height:105%;font-family:"Arial",sans-serif;color:#32889E">Ideas & Innovations<o:p></o:p></span></b></p>
<table class="MsoTableGrid" border="0" cellspacing="0" cellpadding="0" width="625" style="width:468.95pt;border-collapse:collapse;border:none">
<tbody>
<tr>
<td width="209" valign="top" style="width:156.75pt;border:none;border-bottom:solid #DEEAF6 1.0pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" style="margin-bottom:6.0pt;line-height:15.0pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E">This Will Be 2021’s Biggest Talent Challenge
<o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:30.0pt;text-align:justify;line-height:115%">
<span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif;color:#464647">A new talent problem should be raising alarm bells – and it’s one that could last for decades.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:4.0pt;text-align:justify;line-height:normal">
<a href="https://go.brighthorizons.com/e/77712/1-utm-term-na-utm-content-blog/9nt6fz/601313313?h=iIXzGO3hGr4vp2Rb8f5rAxjykO1Hh_5O6PL9L1djDKk" target="_blank"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E">Read Article
</span></b><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1A475F">></span></b></a><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E"><o:p></o:p></span></b></p>
</td>
<td width="222" colspan="2" valign="top" style="width:166.5pt;border:none;border-bottom:solid #DEEAF6 1.0pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:9.35pt;line-height:15.0pt">
<b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E">2020’s Legacy for Human Resources
<o:p></o:p></span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:30.0pt;margin-left:9.35pt;text-align:justify;line-height:115%">
<span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif;color:#464647">Bright Horizons’ CHRO Maribeth Bearfield reflects on how an unimaginable year reshaped HR.<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:4.0pt;margin-left:9.35pt;text-align:justify;line-height:normal">
<a href="https://go.brighthorizons.com/e/77712/1-utm-term-na-utm-content-blog/9nt6g2/601313313?h=iIXzGO3hGr4vp2Rb8f5rAxjykO1Hh_5O6PL9L1djDKk" target="_blank"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E">Read Article
</span></b><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1A475F">></span></b></a><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E"><o:p></o:p></span></b></p>
</td>
<td width="194" colspan="2" valign="top" style="width:145.7pt;border:none;border-bottom:solid #DEEAF6 1.0pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:.05in;line-height:15.0pt">
<b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E">COVID-19 and Child Care: What’s Now & What’s Next
<o:p></o:p></span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:5.05pt;margin-bottom:4.0pt;margin-left:.05in;text-align:justify;line-height:115%">
<span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif;color:#464647">Hear how HR executives are adapting their employee support strategies in response to the child care crisis.<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:.05in;text-align:justify;line-height:normal">
<a href="https://go.brighthorizons.com/e/77712/hre-webinar-2021-nl/9nt6g4/601313313?h=iIXzGO3hGr4vp2Rb8f5rAxjykO1Hh_5O6PL9L1djDKk" target="_blank"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E">Register for Webinar
</span></b><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1A475F">></span></b></a><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E"><o:p></o:p></span></b></p>
</td>
</tr>
<tr>
<td width="625" colspan="5" valign="top" style="width:468.95pt;border:none;background:#EFEEEE;padding:0in 5.4pt 0in 5.4pt">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr>
<td width="100%" style="width:100.0%;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr>
<td width="100%" valign="top" style="width:100.0%;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr>
<td width="100%" style="width:100.0%;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr>
<td width="100%" valign="top" style="width:100.0%;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr>
<td width="100%" style="width:100.0%;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr>
<td width="100%" valign="top" style="width:100.0%;border:none;border-bottom:solid #DEEAF6 1.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="margin-top:12.0pt"><b><span style="font-size:12.0pt;line-height:105%;font-family:"Arial",sans-serif;color:#32889E">What We're Reading<o:p></o:p></span></b></p>
<h3 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:normal">
<!--[if gte vml 1]><v:shape id="Picture_x0020_23" o:spid="_x0000_s1031" type="#_x0000_t75" style='position:absolute;margin-left:0;margin-top:-.1pt;width:104.4pt;height:101.05pt;z-index:-251634688;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:text;mso-width-percent:0;mso-width-relative:margin'>
<v:imagedata src="cid:image004.png@01D6FBD3.331713F0" o:title="" />
<w:wrap type="tight" side="right"/>
</v:shape><![endif]--><![if !vml]><img width="139" height="134" src="cid:image005.png@01D6FBD3.331713F0" align="left" hspace="12" v:shapes="Picture_x0020_23"><![endif]><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:windowtext">COVID-19
 Impact on Child Care<o:p></o:p></span></b></h3>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;text-align:justify;line-height:115%">
<span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif">A third of companies saw parents exit last year. And the child care crisis may be getting worse.<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:-.7pt;margin-bottom:.0001pt;line-height:normal">
<a href="https://go.brighthorizons.com/e/77712/ovid-19-impact-childcare-fs-nl/9nt6g6/601313313?h=iIXzGO3hGr4vp2Rb8f5rAxjykO1Hh_5O6PL9L1djDKk" target="_blank"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E">Read Article
</span></b><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif">></span></b></a><span style="font-size:10.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:15.85pt;margin-bottom:.0001pt">
<span style="font-size:10.0pt;line-height:105%;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<h3 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:normal">
<b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:windowtext">How the pandemic paved the way for more flexible benefits in 2021<o:p></o:p></span></b></h3>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:115%">
<span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif">COVID looked like an unconquerable obstacle to job performances; then, employers got creative.<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.05in;margin-bottom:.0001pt">
<a href="https://go.brighthorizons.com/e/77712/lexible-benefits-in-2021-fs-nl/9nt6g8/601313313?h=iIXzGO3hGr4vp2Rb8f5rAxjykO1Hh_5O6PL9L1djDKk" target="_blank"><b><span style="font-size:10.0pt;line-height:105%;font-family:"Arial",sans-serif;color:#32889E">Read
 Article </span></b><b><span style="font-size:10.0pt;line-height:105%;font-family:"Arial",sans-serif">></span></b></a><span style="font-size:10.0pt;line-height:105%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.05in;margin-bottom:.0001pt">
<span style="font-size:10.0pt;line-height:105%;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<h3 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:normal">
<b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:windowtext">Health Care Staffing Impacted by Child Care Crisis<o:p></o:p></span></b></h3>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in">
<span style="font-size:10.0pt;font-family:"Arial",sans-serif">Staff shortages were already a healthcare issue; child care shortages are making them even worse.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt;line-height:normal"><a href="https://go.brighthorizons.com/e/77712/-impacted-by-child-care-crisis/9nt6gb/601313313?h=iIXzGO3hGr4vp2Rb8f5rAxjykO1Hh_5O6PL9L1djDKk" target="_blank"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E">Read
 Article </span></b><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif">></span></b></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:.05in;line-height:15.0pt">
<b><span style="font-family:"Arial",sans-serif;color:#32889E"><o:p></o:p></span></b></p>
</td>
</tr>
<tr style="height:148.9pt">
<td width="623" colspan="4" valign="top" style="width:467.5pt;padding:0in 5.4pt 0in 5.4pt;height:148.9pt">
<p style="mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in">
<b><span style="font-family:"Arial",sans-serif;color:#1A475F">Industry Perspectives<o:p></o:p></span></b></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;text-align:justify">
<!--[if gte vml 1]><v:shape id="Picture_x0020_25" o:spid="_x0000_s1030" type="#_x0000_t75" style='position:absolute;left:0;text-align:left;margin-left:351.4pt;margin-top:17.4pt;width:95.75pt;height:86.2pt;z-index:-251633664;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:text;mso-width-percent:0;mso-width-relative:margin'>
<v:imagedata src="cid:image006.png@01D6FBD3.331713F0" o:title="" />
<w:wrap type="tight" side="left"/>
</v:shape><![endif]--><![if !vml]><img width="128" height="115" src="cid:image007.png@01D6FBD3.331713F0" align="right" hspace="12" v:shapes="Picture_x0020_25"><![endif]><span style="font-size:10.0pt;font-family:"Arial",sans-serif">What
 does child care look like today? See how a safe return to Bright Horizons sparks joy for children and parents alike.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:justify;line-height:normal">
<a href="https://go.brighthorizons.com/e/77712/industry-perspectives-fs-nl/9nt6gd/601313313?h=iIXzGO3hGr4vp2Rb8f5rAxjykO1Hh_5O6PL9L1djDKk" target="_blank"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E">Watch Video
</span></b><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1A475F">></span></b></a><span style="font-size:10.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
<td style="border:none;padding:0in 0in 0in 0in" width="2">
<p class="MsoNormal"> </p>
</td>
</tr>
<tr>
<td width="623" colspan="4" valign="top" style="width:467.5pt;background:#EFEEEE;padding:0in 5.4pt 0in 5.4pt">
<p style="mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in">
<b><span style="font-family:"Arial",sans-serif;color:#1A475F">The Burning Question<o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:12.0pt;line-height:115%"><span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif">When will your company reopen office doors?
</span><span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt;text-align:justify;line-height:normal">
<a href="https://go.brighthorizons.com/e/77712/join-the-conversation-fs-nl/9nt6gg/601313313?h=iIXzGO3hGr4vp2Rb8f5rAxjykO1Hh_5O6PL9L1djDKk"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#32889E">Join the Conversation</span></b></a><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></b></p>
</td>
<td style="border:none;padding:0in 0in 0in 0in" width="2">
<p class="MsoNormal"> </p>
</td>
</tr>
<tr>
<td width="623" colspan="4" valign="top" style="width:467.5pt;padding:0in 5.4pt 0in 5.4pt">
<p style="mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in">
<b><span style="font-family:"Arial",sans-serif;color:#1A475F">From Our Product Team<o:p></o:p></span></b></p>
<h3 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:normal">
<!--[if gte vml 1]><v:shape id="Picture_x0020_22" o:spid="_x0000_s1029" type="#_x0000_t75" style='position:absolute;margin-left:396pt;margin-top:4pt;width:51.1pt;height:57.35pt;z-index:-251635712;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:text;mso-width-percent:0;mso-width-relative:margin'>
<v:imagedata src="cid:image008.png@01D6FBD3.331713F0" o:title="" />
<w:wrap type="tight" side="left"/>
</v:shape><![endif]--><![if !vml]><img width="68" height="77" src="cid:image009.png@01D6FBD3.331713F0" align="right" hspace="12" v:shapes="Picture_x0020_22"><![endif]><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:windowtext">A
 simpler way to solving employees’ child care shortages<o:p></o:p></span></b></h3>
<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:justify;line-height:115%">
<span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif">Tuition subsidies put affordable, safe child care in reach for your working parents.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:justify;line-height:115%">
<span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif;color:#1A475F"><o:p> </o:p></span></p>
<h3 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:normal">
<b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:windowtext">Redesigned experience for Bright Horizons College Coach<o:p></o:p></span></b></h3>
<p class="MsoNormal" style="margin-bottom:12.0pt;text-align:justify;line-height:15.0pt">
<span style="font-size:10.0pt;font-family:"Arial",sans-serif">More personalized resources to aid the more complicated journey to college.<span style="color:#1A475F"><o:p></o:p></span></span></p>
</td>
<td style="border:none;padding:0in 0in 0in 0in" width="2">
<p class="MsoNormal"> </p>
</td>
</tr>
<tr style="height:85.45pt">
<td width="312" colspan="2" valign="top" style="width:233.75pt;background:#EFEEEE;padding:0in 5.4pt 0in 5.4pt;height:85.45pt">
<p align="center" style="margin-bottom:3.75pt;text-align:center"><!--[if gte vml 1]><v:shape id="Picture_x0020_9" o:spid="_x0000_s1028" type="#_x0000_t75" style='position:absolute;left:0;text-align:left;margin-left:53.4pt;margin-top:9.75pt;width:80.05pt;height:79.2pt;z-index:-251637760;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:margin;mso-position-vertical:absolute;mso-position-vertical-relative:margin;mso-width-percent:0;mso-height-percent:0;mso-width-relative:margin;mso-height-relative:margin'>
<v:imagedata src="cid:image010.png@01D6FBD3.331713F0" o:title="" />
<w:wrap type="square" anchorx="margin" anchory="margin"/>
</v:shape><![endif]--><![if !vml]><img width="106" height="106" src="cid:image011.png@01D6FBD3.331713F0" align="left" hspace="12" v:shapes="Picture_x0020_9"><![endif]><b><span style="font-size:19.0pt;font-family:"Arial",sans-serif;color:#1A475F"><o:p></o:p></span></b></p>
</td>
<td width="312" colspan="2" valign="top" style="width:233.75pt;background:#EFEEEE;padding:0in 5.4pt 0in 5.4pt;height:85.45pt">
<p style="mso-margin-top-alt:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:115%">
<span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif">Working parents need more support than ever. Learn what’s new and next in family care benefits.<o:p></o:p></span></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<p class="MsoNormal" style="margin-bottom:12.0pt"><a href="https://www.brighthorizons.com/get-in-touch?utm_source=pardot&utm_medium=email&utm_term=na&utm_content=contact-us&utm_campaign=familysolnews-02042021"><b><span style="font-size:10.0pt;line-height:105%;font-family:"Arial",sans-serif;color:#32889E">Get
 in Touch</span></b></a><b><span style="font-size:10.0pt;line-height:105%;font-family:"Arial",sans-serif"><o:p></o:p></span></b></p>
</td>
</tr>
</tbody>
</table>
<p style="mso-margin-top-alt:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in">
<b><span style="font-size:19.0pt;font-family:"Arial",sans-serif;color:#1A475F"><o:p></o:p></span></b></p>
</td>
<td style="border:none;padding:0in 0in 0in 0in" width="2">
<p class="MsoNormal"> </p>
</td>
</tr>
<tr style="height:85.45pt">
<td width="312" colspan="2" valign="top" style="width:233.75pt;background:#EFEEEE;padding:0in 5.4pt 0in 5.4pt;height:85.45pt">
<p align="center" style="margin-bottom:3.75pt;text-align:center"><!--[if gte vml 1]><v:shape id="_x0000_s1027" type="#_x0000_t75" alt="2 Wells Avenue | Newton, MA 02459 | 1-800-453-9383 © 2021 Bright Horizons Family Solutions LLC Unsubscribe & Manage Preferences " href="https://go.brighthorizons.com/preferences?ehash=e0ca263cbd6beab68e7fca5ec375ab6a&email_id=601313313&epc_hash=vbPlf7o9UqBJhyQYDSPucgq3ccbIKY9kOlmuEwF90CE" style='position:absolute;left:0;text-align:left;margin-left:75.5pt;margin-top:57.95pt;width:308.6pt;height:46.9pt;z-index:251677696;visibility:visible;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:text'>
<v:imagedata src="cid:image012.emz@01D6FBD3.331713F0" o:title="" />
</v:shape><![endif]--><![if !vml]><span style="mso-ignore:vglayout;position:absolute;z-index:251677696;left:0px;margin-left:134px;margin-top:511px;width:514px;height:78px"><a href="https://go.brighthorizons.com/preferences?ehash=e0ca263cbd6beab68e7fca5ec375ab6a&email_id=601313313&epc_hash=vbPlf7o9UqBJhyQYDSPucgq3ccbIKY9kOlmuEwF90CE"><img border="0" width="411" height="62" src="cid:image013.png@01D6FBD3.331713F0" alt="2 Wells Avenue | Newton, MA 02459 | 1-800-453-9383
© 2021 Bright Horizons Family Solutions LLC
Unsubscribe & Manage Preferences
" v:shapes="_x0000_s1027"></a></span><![endif]><!--[if gte vml 1]><v:shape id="Picture_x0020_18" o:spid="_x0000_s1026" type="#_x0000_t75" style='position:absolute;left:0;text-align:left;margin-left:-5.4pt;margin-top:18.4pt;width:468.7pt;height:94.65pt;z-index:251675648;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:text;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page'>
<v:imagedata src="cid:image014.png@01D6FBD3.331713F0" o:title="" />
</v:shape><![endif]--><![if !vml]><span style="mso-ignore:vglayout;position:absolute;z-index:251675648;left:0px;margin-left:-1px;margin-top:445px;width:781px;height:158px"><img width="625" height="126" src="cid:image015.png@01D6FBD3.331713F0" v:shapes="Picture_x0020_18"></span><![endif]><span style="font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
<td width="312" colspan="2" valign="top" style="width:233.75pt;background:#EFEEEE;padding:0in 5.4pt 0in 5.4pt;height:85.45pt">
<p style="mso-margin-top-alt:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:115%">
<span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif;color:#1A475F"><o:p> </o:p></span></p>
</td>
<td style="border:none;padding:0in 0in 0in 0in" width="2">
<p class="MsoNormal"> </p>
</td>
</tr>
<tr height="0">
<td width="261" style="border:none"></td>
<td width="128" style="border:none"></td>
<td width="149" style="border:none"></td>
<td width="240" style="border:none"></td>
<td width="2" style="border:none"></td>
</tr>
</tbody>
</table>
<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:justify;line-height:110%;background:#EFEEEE">
<span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
</div>
</body>
</html>