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<body lang="EN-US" link="#467886" vlink="#96607D" style="word-wrap:break-word">
<div class="WordSection1">
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<tr style="height:21.55pt">
<td width="764" colspan="2" valign="top" style="width:573.3pt;padding:0in 5.4pt 0in 5.4pt;height:21.55pt">
<p class="MsoNormal"><img width="183" height="70" id="Picture_x0020_2" src="cid:image001.png@01DC83AB.94B8AF50" alt="A blue text on a black background
AI-generated content may be incorrect."></p>
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<tr style="height:21.55pt">
<td width="764" colspan="2" valign="top" style="width:573.3pt;padding:0in 5.4pt 0in 5.4pt;height:21.55pt">
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt">January 12, 2026<o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt"><o:p> </o:p></span></b></p>
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<td width="97" valign="top" style="width:72.45pt;padding:0in 5.4pt 0in 5.4pt;height:.2in">
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt">To: <o:p></o:p></span></p>
</td>
<td width="668" valign="top" style="width:500.85pt;padding:0in 5.4pt 0in 5.4pt;height:.2in">
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt">Department Benefits Representatives (DBRs)<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<td width="97" valign="top" style="width:72.45pt;padding:0in 5.4pt 0in 5.4pt;height:.2in">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%">From: <o:p></o:p></span></p>
</td>
<td width="668" valign="top" style="width:500.85pt;padding:0in 5.4pt 0in 5.4pt;height:.2in">
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt">Central HR Benefits Office on behalf of UC Office of the President<o:p></o:p></span></p>
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<tr style="height:.2in">
<td width="97" valign="top" style="width:72.45pt;padding:0in 5.4pt 0in 5.4pt;height:.2in">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%">Re: <o:p></o:p></span></p>
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<td width="668" valign="top" style="width:500.85pt;padding:0in 5.4pt 0in 5.4pt;height:.2in">
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt">Fidelity Voluntary Retirement Savings Plans - Quarterly Administrative Services Fee for Small-Balance Accounts Discontinued<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">_____________________________________________________________________________________________________<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt">DBRs, please share this information via your internal listserv.
<u>Do not reply to this email.</u> Please</span></b><span style="font-size:11.0pt"><o:p></o:p></span></p>
</td>
</tr>
<tr style="height:.2in">
<td width="764" colspan="2" valign="top" style="width:573.3pt;padding:0in 5.4pt 0in 5.4pt;height:.2in">
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt">send a separate email with questions to
</span></b><a href="mailto:benefits@ucr.edu"><b><span style="font-size:11.0pt">benefits@ucr.edu</span></b></a><b><span style="font-size:11.0pt">.</span></b><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt">In the fourth quarter of 2025, UC discontinued the quarterly administrative services fee for Voluntary Retirement Savings Program accounts with balances below $300.
Participants do not need to request this waiver or take any action.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt">If a participant’s total balance across all Voluntary Retirement Savings Program accounts exceeds $300 at the end of a future quarter, the administrative services
fee—currently $7.25 per quarter, or $29 per year—will be deducted for that quarter. Fee amounts are subject to change.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt">What the Fee Covers</span></b><span style="font-size:11.0pt"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt">The administrative services fee supports non‑investment plan costs, including:<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:l1 level1 lfo4">
<span style="font-size:11.0pt">Recordkeeping for participant accounts<o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l1 level1 lfo4">
<span style="font-size:11.0pt">Participant communications<o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l1 level1 lfo4">
<span style="font-size:11.0pt">Financial education and planning tools<o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l1 level1 lfo4">
<span style="font-size:11.0pt">Internal UC plan support and operations<o:p></o:p></span></li></ul>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt">Participant Questions</span></b><span style="font-size:11.0pt"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt">Participants with questions about accounts or fees should contact Fidelity Investments at <b>1‑866‑682‑7787</b>. Additional information about the ongoing fee waiver
for small‑balance accounts is available at the <a href="https://www.myucretirement.com/resources/articles/0060" target="_blank">myUCretirement.com</a> website. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%"><o:p> </o:p></span></p>
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