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<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">October 16,
2025</span></p>
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<p class="MsoNormal" style="margin:3pt 0in;line-height:normal;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">To:</span></p>
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<p class="MsoNormal" style="margin:3pt 0in 3pt 5.3pt;line-height:normal;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">UCR
Emeriti & Retirees</span></p>
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<p class="MsoNormal" style="margin:3pt 0in;line-height:normal;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">From:</span></p>
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Retirement Center on behalf of UCR Central HR Benefits Office </span></p>
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<p class="MsoNormal" style="margin:3pt 0in;line-height:normal;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">Re:</span></p>
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<p class="MsoNormal" style="margin:3pt 0in 6pt 5.05pt;line-height:normal;font-size:11pt;font-family:Calibri,sans-serif"><b><span style="font-family:Arial,sans-serif">November United Healthcare Monthly Webinars</span></b><span style="font-family:Arial,sans-serif"></span></p>
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<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif"><br>
United Healthcare hosts monthly webinars to share all about the benefits of a
UC Medicare Choice plan. All sessions will begin at 12:00 p.m. Pacific Time
and experts will be available to answer any questions. Please join the November
session and details are outlined below.</span></p>
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<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">If
you have general questions or want to learn about how Medicare works with
eligible retiree health benefits, please use the information below to attend.</span></p>
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<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><b><span style="font-family:Arial,sans-serif">UNITED HEALTHCARE MONTHLY WEBINAR </span></b><span style="font-family:Arial,sans-serif"></span></p>
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<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><b><span style="font-family:Arial,sans-serif">Title:</span></b><span style="font-family:Arial,sans-serif"> November
UC Medicare Choice Health Plan Information Session</span></p>
<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><b><span style="font-family:Arial,sans-serif">Date:</span></b><span style="font-family:Arial,sans-serif"> Thursday,
November 6, 2025</span></p>
<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><b><span style="font-family:Arial,sans-serif">Time:</span></b><span style="font-family:Arial,sans-serif"> 12:00
PM Pacific Time</span></p>
<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><b><u><span style="font-family:Arial,sans-serif">Join the conversation using this link:</span></u></b><span style="font-family:Arial,sans-serif"> <a href="https://uhc.webex.com/uhc/j.php?MTID=m6a4c00607d80a81e8cbfca590ab9f4ae" style="color:rgb(5,99,193)">https://uhc.webex.com/uhc/j.php?MTID=m6a4c00607d80a81e8cbfca590ab9f4ae</a>
</span></p>
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<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><b><span style="font-family:Arial,sans-serif">You will learn: </span></b><span style="font-family:Arial,sans-serif"></span></p>
<p class="gmail-MsoListParagraphCxSpFirst" style="margin:0in 0in 0in 0.5in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Symbol">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><span style="font-family:Arial,sans-serif">How
Medicare parts A, B, C, and D work</span></p>
<p class="gmail-MsoListParagraphCxSpMiddle" style="margin:0in 0in 0in 0.5in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Symbol">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><span style="font-family:Arial,sans-serif">When
you are eligible for Medicare </span></p>
<p class="gmail-MsoListParagraphCxSpMiddle" style="margin:0in 0in 0in 0.5in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Symbol">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><span style="font-family:Arial,sans-serif">How
to enroll in Medicare</span></p>
<p class="gmail-MsoListParagraphCxSpMiddle" style="margin:0in 0in 0in 0.5in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Symbol">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><span style="font-family:Arial,sans-serif">How
the United Healthcare UC Medicare Choice plan works</span></p>
<p class="gmail-MsoListParagraphCxSpLast" style="margin:0in 0in 0in 0.5in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Symbol">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><span style="font-family:Arial,sans-serif">A
question-and-answer session will be held at the conclusion of the
presentation.</span></p>
<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif"> </span></p>
<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">Please
view the monthly webinar schedule at this <a href="https://live-ucr-retirees.pantheonsite.io/sites/default/files/2025-10/uc-medicare-choice-monthly-webinar-schedule.pdf" style="color:rgb(5,99,193)">link</a>.</span></p>
<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif"> </span></p>
<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">For
more information, please visit the United Healthcare website at: <a href="https://retiree.uhc.com/uc" style="color:rgb(5,99,193)">https://retiree.uhc.com/uc</a> </span></p>
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