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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="color:black"><img width="199" height="76" id="Picture_x0020_6" src="cid:image001.png@01DBF731.41BEC0C0" alt="A blue text on a black background
Description automatically generated"></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">July 17, 2025</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="729" style="width:547.0pt;background:white;border-collapse:collapse">
<tbody>
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<td width="103" valign="top" style="width:77.6pt;padding:0in 5.4pt 0in 5.4pt;height:19.4pt">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">To:</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
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<td width="626" valign="top" style="width:469.4pt;padding:0in 0in 0in 0in;height:19.4pt">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">Department Benefits Representatives (DBRs)</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">From:</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
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<td width="626" valign="top" style="width:469.4pt;padding:0in 0in 0in 0in;height:19.95pt">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">Central HR Benefits Office on behalf of UC Office of the President</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">Re:</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
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<td width="626" valign="top" style="width:469.4pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;height:22.55pt">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">Retirement Readiness Review Access Link Correction</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">DBRs, please share this information via your internal listserv. <b><u>Do not reply to this mail.</u></b> Please send
a separate email with questions to </span><span style="color:black"><a href="mailto:benefits@ucr.edu" title="mailto:benefits@ucr.edu"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">benefits@ucr.edu</span></a></span><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">.</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"><br>
<b>UCOP advised that the original link to the 2025 Personalized Retirement Review on the <a href="https://myucretirement.com/resources/articles/0082" target="_blank">Retirement Review page</a> of myUCretirement.com was incorrect. The link has been corrected
and is also provided below for your information: <a href="https://myucretirement.com/auth/sso?target=retirement-review" target="_blank">
https://myucretirement.com/auth/sso?target=retirement-review</a></b></span><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">As shared in the previous communication, the 2025 Retirement Review is now available at the link above for UC career
employees enrolled in the University of California Retirement Plan (UCRP) (Pension Choice). <i>Note: The Retirement Review for career employees who selected the Savings Choice option will be released at a later date.</i></span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">What Is the 2025 Retirement Review?</span></b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">The Retirement Review offers a snapshot of the retirement income UC employees are projected to receive from all UC retirement
benefits. It includes:</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<ol style="margin-top:0in" start="1" type="1">
<li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l2 level1 lfo3">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">An estimate of their potential monthly retirement income</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l2 level1 lfo3">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">The percentage of their current income that they are on track to replace in retirement—their <b>Retirement Readiness Score</b></span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li></ol>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">The review encompasses:</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l3 level1 lfo4">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">UCRP (pension) and the Defined Contribution (DC) Supplement, if applicable</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l3 level1 lfo4">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Account balances in the UC 403(b), 457(b), and/or DC Plans</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l3 level1 lfo4">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Capital Accumulation Payment (CAP) balances, where applicable</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li></ul>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Employees also have access to an interactive modeling tool, which allows them to explore various retirement scenarios—such
as increasing their contributions or factoring in outside income sources.</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Please note: Retirement Reviews have <i>not</i> been generated for:</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l4 level1 lfo5">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Savings Choice participants (to be released later)</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l4 level1 lfo5">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Members with community property liens or pending Qualified Domestic Relations Orders (QDROs)</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l4 level1 lfo5">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Safe Harbor or terminated employees</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li></ul>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">However, these individuals may still log in to myUCretirement.com (</span><span style="color:black"><a href="https://myucretirement.com/" target="_blank"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">https://myucretirement.com/</span></a></span><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">)
and use the modeling tool by entering information manually to generate a Retirement Readiness Score.</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Communications & Resources</span></b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">An email announcement is scheduled to go out in mid-July 2025 to <b>employees whose Retirement
</b></span><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Reviews have been generated</span></b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">. </span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"> </span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Please send any inquiries regarding the Retirement Review to Fidelity Investments at <b>1-800-558-9182</b>.</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
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