<div dir="ltr"><table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse;border-width:medium;border-style:none;border-color:currentcolor"><tbody><tr style="height:27pt"><td width="623" colspan="2" valign="top" style="width:467.5pt;padding:0in 5.4pt;height:27pt"><img src="cid:ii_mu1rtd3u4" alt="benefits-2020-logo1 (1).png" width="151" height="56" class="gmail-CToWUd" style="margin-right: 0px;"><br><br><br><p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><b><span style="font-size:11pt;font-family:Arial,sans-serif">September 21, 2026</span></b></p><p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><b><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif"> </span></b></p></td></tr><tr style="height:0.2in"><td width="53" valign="top" style="width:39.55pt;padding:0in 5.4pt;height:0.2in"><p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif">To:</span></p></td><td width="571" valign="top" style="width:427.95pt;padding:0in 5.4pt;height:0.2in"><p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:11pt;font-family:Arial,sans-serif">Department Bnefits Representatives (DBRs)</span></p></td></tr><tr style="height:0.2in"><td width="53" valign="top" style="width:39.55pt;padding:0in 5.4pt;height:0.2in"><p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif">From:</span></p></td><td width="571" valign="top" style="width:427.95pt;padding:0in 5.4pt;height:0.2in"><p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span lang="EN" style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif">Central HR Benefits Office on behalf of the UCR Retirement Center</span></p></td></tr><tr style="height:0.2in"><td width="53" valign="top" style="width:39.55pt;padding:0in 5.4pt;height:0.2in"><p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif">Re:</span></p></td><td width="571" valign="top" style="width:427.95pt;padding:0in 5.4pt;height:0.2in"><p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif">Understanding Required Minimum Distributions Featuring Fidelity
Investments</span></p></td></tr><tr style="height:34.65pt"><td width="623" colspan="2" valign="top" style="width:467.5pt;padding:0in 5.4pt;height:34.65pt"><div style="border-width:medium medium 1.5pt;border-style:none none solid;border-color:currentcolor currentcolor windowtext;padding:0in 0in 1pt"><p class="MsoNormal" style="margin:0in;line-height:normal;border-width:medium;border-style:none;border-color:currentcolor;padding:0in;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:10pt;font-family:Arial,sans-serif"> </span></p></div><p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:10pt;font-family:Arial,sans-serif"> </span></p><p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span id="m_4358245328918743687m_4127692755271882921m_-873516461115946596m_3653902943315351387m_2729508265918393888m_-5729828219161606720gmail-docs-internal-guid-8302f6f4-7fff-d6a9-a126-980b9c685c78"></span></p><div dir="ltr" align="left" style="margin-left:0pt"><table style="border-width:medium;border-style:none;border-color:currentcolor;border-collapse:collapse"><colgroup><col width="53"><col width="571"></colgroup><tbody><tr style="height:0pt"><td colspan="2" style="vertical-align:top;padding:0pt 5.4pt;overflow:hidden"><p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant:normal;vertical-align:baseline;white-space:pre-wrap">DBRs, please share this information via your internal listserv.  </span><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant:normal;text-decoration:underline;vertical-align:baseline;white-space:pre-wrap">Please do not reply to this email</span><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant:normal;vertical-align:baseline;white-space:pre-wrap">.  Please send questions in a separate email to </span><a href="mailto:benefits@ucr.edu" target="_blank" style="text-decoration:none"><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(70,120,134);background-color:transparent;font-variant:normal;text-decoration:underline;vertical-align:baseline;white-space:pre-wrap">benefits@ucr.edu</span></a><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant:normal;vertical-align:baseline;white-space:pre-wrap">.</span></p><p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant:normal;vertical-align:baseline;white-space:pre-wrap"><br></span></p><p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant:normal;vertical-align:baseline;white-space:pre-wrap"><span style="font-family:Arial,sans-serif;font-size:12pt;background-color:transparent;color:rgb(34,34,34)">The UCR Retirement Center invites all Faculty and Staff to participate in the online presentation </span><b style="font-family:Arial,sans-serif;font-size:12pt;background-color:transparent;color:rgb(34,34,34)">– Understanding Required Minimum Distributions presented by Fidelity Investments</b><span style="font-family:Arial,sans-serif;font-size:12pt;background-color:transparent;color:rgb(34,34,34)">.</span></span></p><p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant:normal;vertical-align:baseline;white-space:pre-wrap">
</span></p><p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-family:Arial,sans-serif">In this
session, employees will learn the essentials of Required Minimum Distributions
(RMDs)—mandatory withdrawals from certain tax-deferred retirement accounts.
This webinar will cover how RMDs work, which accounts are subject to RMDs,
important deadlines, and key considerations for timing your distributions.</span></p><p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant:normal;vertical-align:baseline;white-space:pre-wrap"><span style="font-family:Arial,sans-serif;font-size:12pt;background-color:transparent;color:rgb(34,34,34)">Please use the information below to register </span>to attend<span style="font-family:Arial,sans-serif;font-size:12pt;background-color:transparent;color:rgb(34,34,34)"> this event.</span></span></p><p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant:normal;vertical-align:baseline;white-space:pre-wrap">
</span></p><p class="MsoNormal" align="center" style="text-align:center;margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-family:Arial,sans-serif"><br>
<b>Understanding Required Minimum Distributions</b></span></p><p class="MsoNormal" align="center" style="text-align:center;margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-family:Arial,sans-serif">Tuesday, September 22, 2026</span></p><p class="MsoNormal" align="center" style="text-align:center;margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-family:Arial,sans-serif">1:00 – 2:00 p.m. Pacific Time via Zoom<br>
<br>
</span></p><p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;background-color:transparent;font-family:Arial,sans-serif">Faculty and Staff members may register for this Zoom session using the Fidelity
webpage at: </span><a href="https://fmr.zoom.us/webinar/register/WN_ckL52EuQRGy45DjwiBoZUw" target="_blank" style="font-family:Aptos,sans-serif;font-size:12pt;background-color:transparent;color:rgb(70,120,134)"><span style="font-family:Arial,sans-serif">https://fmr.zoom.us/webinar/register/WN_ckL52EuQRGy45DjwiBoZUw</span></a></p><p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant:normal;vertical-align:baseline;white-space:pre-wrap"><span style="font-family:Arial,sans-serif;font-size:12pt;background-color:transparent;color:rgb(34,34,34)"> </span></span></p><p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-family:Arial,sans-serif">
Please find attached a flyer for this event.</span></p><p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;font-family:"Fira Sans",sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant:normal;vertical-align:baseline;white-space:pre-wrap">





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