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<p class="MsoNormal" style="margin:0in;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-size:12pt;font-family:Arial,sans-serif">January
7, 2026</span></p>
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<p class="MsoNormal" style="font-size:11pt;font-family:Calibri,sans-serif"><span style="font-size:12pt;font-family:Arial,sans-serif">To: UCR
Emeriti & Retirees</span></p>
<p class="MsoNormal" style="margin:0in 0in 6pt;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-size:12pt;font-family:Arial,sans-serif">From: UCR Emeriti & Retirees’ Associations</span></p>
<p class="MsoNormal" style="margin:0in 0in 6pt;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-size:12pt;font-family:Arial,sans-serif">Re:<b> </b><span class="gmail_default" style="font-family:verdana,sans-serif;font-size:small"></span>Winter 2026 Tower Talk Newsletter</span></p>
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<p class="MsoNormal" style="line-height:110%;margin:0in;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-size:12pt;line-height:110%;font-family:Arial,sans-serif">Please click on the attached
document to view the UCR Emeriti and Retirees’ 2026 Winter Tower Talk
Newsletter. Included are clickable links to help navigate through the
relevant content in the newsletter. Below is a pictured view of what is
included.</span></p>
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