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</head>
<body lang="EN-US" link="#467886" vlink="#96607D" style="word-wrap:break-word">
<div class="WordSection1">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="margin-left:-4.5pt;border-collapse:collapse">
<tbody>
<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@01DC9FF5.1D9F8630" alt="A blue text on a black background
AI-generated content may be incorrect."></p>
</td>
</tr>
<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">February 17, 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>
</td>
</tr>
<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" 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>
</td>
</tr>
<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%">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>
</td>
</tr>
<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>
</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"><b><span style="font-size:11.0pt">UC 403(b) Plan Loan Repayment Change – Transition to Fidelity ACH April 2026</span></b><span style="font-size:11.0pt"><o:p></o:p></span></p>
</td>
</tr>
<tr style="height:19.75pt">
<td width="764" colspan="2" valign="top" style="width:573.3pt;padding:0in 5.4pt 0in 5.4pt;height:19.75pt">
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt">_____________________________________________________________________________________________________<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width="764" colspan="2" valign="top" style="width:573.3pt;padding:0in 5.4pt 0in 5.4pt">
<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>
</td>
</tr>
</tbody>
</table>
<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">The University of California (UC) is implementing a change to how the UC Voluntary Retirement Savings Plan 403(b) plan loans are repaid. Retirement Program Services
is sharing this update to help employees prepare for the transition. The information below outlines what is changing, what employees need to do, and when these changes will take effect.<o:p></o:p></span></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>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt">What’s changing</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">UC is updating the repayment method for UC 403(b) Plan loans. Currently, employees with an outstanding UC 403(b) Plan loan have their repayments deducted from their
paycheck and applied directly to their retirement account.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt">Beginning in April 2026, loan repayments will no longer be deducted from an employee’s paycheck. Instead, employees must make their loan repayments using Fidelity’s
Automated Clearing House (ACH) service, which deducts payments directly from their bank account.<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>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt">What it means for employees</span></b><span style="font-size:11.0pt"><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">Loan repayments deducted from employee paychecks are scheduled to end with paychecks issued after <b>April 8, 2026</b>.<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">Employees must set up ACH loan repayments to continue making payments on their loan. Instructions will be shared in future communications.<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">For biweekly‑paid employees, the repayment schedule will change from biweekly to monthly.<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">How to prepare</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">Employees will be able to set up ACH loan repayments starting <b>April 13, 2026</b>. In the meantime, please prepare for this change by:<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 lfo5">
<span style="font-size:11.0pt">Ensuring member has an active bank account that can be used for ACH loan repayments.<o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l1 level1 lfo5">
<span style="font-size:11.0pt">Considering how a monthly payment schedule may differ from current biweekly deductions.<o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l1 level1 lfo5">
<span style="font-size:11.0pt">Watching for emails beginning in <b>March 2026</b> that will include step‑by‑step instructions for setting up ACH loan repayments.<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">Important reminder about missed repayments</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">If ACH loan repayment is not established, the loan could “default” and be treated as a taxable distribution for the outstanding loan balance. This would make the
balance subject to income tax and potentially a 10% early withdrawal penalty. A defaulted loan may also affect eligibility to request additional loans.<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">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">For any questions about this transition or how to set up ACH loan repayments, please contact a Fidelity representative at <b>1‑866‑682‑7787</b>. Representatives
are available <b>Monday to Friday, 5:30 AM to 5:00 PM Pacific Time</b>.<o:p></o:p></span></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>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt">Communications and resources</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">Fidelity will distribute communications about the UC 403(b) Plan loan repayment change to affected employees beginning with an initial notice <b>beginning the week
of Monday, February 16, 2026</b>, and continuing through July 2026. Starting in March 2026, Fidelity will send emails with detailed, step‑by‑step instructions for setting up ACH loan repayments. See example communication below.<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"><span style="font-size:11.0pt;line-height:115%"><img border="0" width="758" height="779" id="Picture_x0020_1" src="cid:image002.png@01DC9FF5.1D9F8630"></span><span style="font-size:11.0pt;line-height:115%"><o:p></o:p></span></p>
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