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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><img width="612" height="245" id="_x0000_i1026" src="cid:image001.jpg@01DA0B22.069877E0"></span><span style="font-family:"Arial",sans-serif"><o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif">October 30, 2023<o:p></o:p></span></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse">
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<p class="MsoNormal" style="margin-left:-6.3pt;text-align:justify"><span style="font-family:"Arial",sans-serif">To:<o:p></o:p></span></p>
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<td width="550" style="width:412.85pt;padding:0in 5.4pt 0in 5.4pt;height:.3in">
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Departments Benefits Representatives<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-left:-6.3pt;text-align:justify"><span style="font-family:"Arial",sans-serif">From:<o:p></o:p></span></p>
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<td width="550" style="width:412.85pt;padding:0in 5.4pt 0in 5.4pt;height:.3in">
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Central HR Benefits Office<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-left:-6.3pt;text-align:justify"><span style="font-family:"Arial",sans-serif">Re:<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Health Equity Webinars – Understanding the Health Savings Account<o:p></o:p></span></p>
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<p class="MsoNormal" style="text-align:justify"><span style="font-size:1.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;line-height:115%">
<b><span style="font-family:"Arial",sans-serif">DBRs, please share this very important information via your internal listserv.</span></b><b><span style="font-size:10.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></b></p>
<p class="MsoNormalCxSpMiddle" style="margin-bottom:6.0pt;mso-add-space:auto;line-height:115%">
<span style="font-size:2.0pt;line-height:115%;font-family:"Arial",sans-serif;mso-ligatures:standard"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">HealthEquity has scheduled the following live webinars to educate members on the Health Savings Account (HSA). For your convenience, there are two options for attending the webinars.
<b><u><a href="https://hr.ucr.edu/sites/default/files/2023-10/HealthEquity-Webinars-sent-10-26-2023.pdf">Download the flyer</a></u></b><span style="color:#2E75B6">
</span>describing both topics presented and use the QR code below to register for the event.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoBodyText" style="mso-margin-top-alt:.15pt;margin-right:1.9pt;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify;line-height:95%">
<span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">Take</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">control</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">of</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">your</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">heath</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">and</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">grow</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">your</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">money.</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">In</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">just</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">15</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.6pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">minutes
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">you'll</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">discover</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">how</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">to</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">use</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">a</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">Health</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">Savings</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">Account</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">(HSA)</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">to</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.65pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.1pt">save
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">on</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.3pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">healthcare</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.3pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">premiums</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.3pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">and</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.3pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">build</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.3pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">long-term</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.3pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">health</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.3pt">
</span><span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt">savings.<o:p></o:p></span></p>
<p class="MsoBodyText" style="mso-margin-top-alt:.15pt;margin-right:1.9pt;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify;line-height:95%">
<span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt"><o:p> </o:p></span></p>
<p class="MsoTitle" style="margin-left:1.5in;line-height:95%;punctuation-wrap:simple">
<span style="color:#058092;letter-spacing:-.1pt">HSA your way: Spend, save and invest in your healthcare
<o:p></o:p></span></p>
<p class="MsoTitle" style="margin-left:1.5in;line-height:95%;punctuation-wrap:simple">
<span style="font-size:12.0pt;line-height:95%;font-family:"Century Gothic",sans-serif;color:#058092;letter-spacing:-.1pt;font-weight:normal">November 1, 2023 at 3 pm PT<o:p></o:p></span></p>
<p class="MsoTitle" style="margin-left:1.5in;line-height:95%;punctuation-wrap:simple">
<span style="font-size:12.0pt;line-height:95%;font-family:"Century Gothic",sans-serif;color:#058092;letter-spacing:-.1pt;font-weight:normal">November 3, 2023 at 12 pm PT<o:p></o:p></span></p>
<p class="MsoBodyText" style="mso-margin-top-alt:.15pt;margin-right:1.9pt;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify;line-height:95%">
<span style="font-size:11.0pt;line-height:95%;font-family:"Arial",sans-serif;letter-spacing:-.2pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-right:4.35pt;line-height:95%"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-right:4.35pt;line-height:95%"><span style="font-family:"Arial",sans-serif">Your<span style="letter-spacing:-.85pt">
</span>Health<span style="letter-spacing:-.85pt"> </span>Savings<span style="letter-spacing:-.8pt">
</span>Account<span style="letter-spacing:-.85pt"> </span>(HSA)<span style="letter-spacing:-.85pt">
</span>can<span style="letter-spacing:-.8pt"> </span>complement<span style="letter-spacing:-.85pt">
</span>your<span style="letter-spacing:-.8pt"> retirement savings </span><span style="letter-spacing:-.4pt">and also be a powerful investment tool. Join us to learn more about
</span>investing<span style="letter-spacing:-.8pt"> </span>your<span style="letter-spacing:-.8pt">
</span>HSA<span style="letter-spacing:-.8pt"> </span>and<span style="letter-spacing:-.8pt">
</span>potential<span style="letter-spacing:-.8pt"> </span>ways<span style="letter-spacing:-.8pt">
</span>to<span style="letter-spacing:-.8pt"> </span>build<span style="letter-spacing:-.8pt">
</span>the<span style="letter-spacing:-.8pt"> </span>ultimate retirement nest egg.<o:p></o:p></span></p>
<p class="MsoBodyText" style="punctuation-wrap:simple"><span style="font-size:10.0pt"><o:p> </o:p></span></p>
<p class="MsoTitle" style="margin-left:1.5in;line-height:95%;punctuation-wrap:simple">
<span style="color:#058092;letter-spacing:-.1pt">Future</span><span style="color:#058092;letter-spacing:-1.85pt">
</span><span style="color:#058092;letter-spacing:-.1pt">in</span><span style="color:#058092;letter-spacing:-1.85pt">
</span><span style="color:#058092;letter-spacing:-.1pt">Focus:</span><span style="color:#058092;letter-spacing:-1.85pt">
</span><span style="color:#058092;letter-spacing:-.1pt">Investing</span><span style="color:#058092;letter-spacing:-1.85pt">
</span><span style="color:#058092;letter-spacing:-.1pt">your</span><span style="color:#058092;letter-spacing:-.15pt">
</span><span style="color:#058092;letter-spacing:-.1pt">HSA</span><span style="color:#058092;letter-spacing:-1.85pt">
</span><span style="color:#058092;letter-spacing:-.1pt">for</span><span style="color:#058092;letter-spacing:-1.85pt">
</span><span style="color:#058092;letter-spacing:-.1pt">Retirement<o:p></o:p></span></p>
<p class="MsoBodyText" style="mso-margin-top-alt:3.4pt;margin-right:0in;margin-bottom:0in;margin-left:1.5in;margin-bottom:.0001pt;punctuation-wrap:simple">
<span style="color:#058092">November<span style="letter-spacing:-.75pt"> </span>6,<span style="letter-spacing:-.75pt">
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<span style="color:#058092">November<span style="letter-spacing:-.25pt"> </span>8,<span style="letter-spacing:-.25pt">
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