<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=Windows-1252">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
{font-family:Wingdings;
panose-1:5 0 0 0 0 0 0 0 0 0;}
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:+mn-ea;
panose-1:0 0 0 0 0 0 0 0 0 0;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
h1
{mso-style-priority:9;
mso-style-link:"Heading 1 Char";
margin-top:24.0pt;
margin-right:0in;
margin-bottom:12.0pt;
margin-left:0in;
page-break-after:avoid;
background:#D5DCE4;
border:none;
padding:0in;
font-size:14.0pt;
font-family:"Arial",sans-serif;
color:#21508F;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:#0563C1;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:#954F72;
text-decoration:underline;}
p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph
{mso-style-priority:34;
margin-top:0in;
margin-right:0in;
margin-bottom:0in;
margin-left:.5in;
margin-bottom:.0001pt;
mso-add-space:auto;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst
{mso-style-priority:34;
mso-style-type:export-only;
margin-top:0in;
margin-right:0in;
margin-bottom:0in;
margin-left:.5in;
margin-bottom:.0001pt;
mso-add-space:auto;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle
{mso-style-priority:34;
mso-style-type:export-only;
margin-top:0in;
margin-right:0in;
margin-bottom:0in;
margin-left:.5in;
margin-bottom:.0001pt;
mso-add-space:auto;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast
{mso-style-priority:34;
mso-style-type:export-only;
margin-top:0in;
margin-right:0in;
margin-bottom:0in;
margin-left:.5in;
margin-bottom:.0001pt;
mso-add-space:auto;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
span.Heading1Char
{mso-style-name:"Heading 1 Char";
mso-style-priority:9;
mso-style-link:"Heading 1";
font-family:"Arial",sans-serif;
color:#21508F;
background:#D5DCE4;
font-weight:bold;}
p.Body, li.Body, div.Body
{mso-style-name:Body;
mso-style-priority:99;
margin-top:0in;
margin-right:0in;
margin-bottom:12.0pt;
margin-left:0in;
font-size:10.0pt;
font-family:"Arial",sans-serif;}
p.Default, li.Default, div.Default
{mso-style-name:Default;
margin:0in;
margin-bottom:.0001pt;
text-autospace:none;
font-size:12.0pt;
font-family:"Arial",sans-serif;
color:black;}
span.UnresolvedMention
{mso-style-name:"Unresolved Mention";
mso-style-priority:99;
color:#605E5C;
background:#E1DFDD;}
.MsoChpDefault
{mso-style-type:export-only;
font-family:"Calibri",sans-serif;}
.MsoPapDefault
{mso-style-type:export-only;
margin-bottom:8.0pt;
line-height:107%;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
/* List Definitions */
@list l0
{mso-list-id:100417106;
mso-list-type:hybrid;
mso-list-template-ids:425625040 67698689 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l0:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l0:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:"Courier New";}
@list l0:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Wingdings;}
@list l0:level4
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l0:level5
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:"Courier New";}
@list l0:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Wingdings;}
@list l0:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l0:level8
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:"Courier New";}
@list l0:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Wingdings;}
@list l1
{mso-list-id:1600522579;
mso-list-type:hybrid;
mso-list-template-ids:-334304030 67698689 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l1:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l1:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:"Courier New";}
@list l1:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Wingdings;}
@list l1:level4
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l1:level5
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:"Courier New";}
@list l1:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Wingdings;}
@list l1:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l1:level8
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:"Courier New";}
@list l1:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Wingdings;}
ol
{margin-bottom:0in;}
ul
{margin-bottom:0in;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1027" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="EN-US" link="#0563C1" vlink="#954F72">
<div class="WordSection1">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse">
<tbody>
<tr style="height:117.0pt">
<td width="663" style="width:6.5in;padding:0in 5.4pt 0in 5.4pt;height:117.0pt">
<p class="MsoNormal"><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f">
<v:stroke joinstyle="miter" />
<v:formulas>
<v:f eqn="if lineDrawn pixelLineWidth 0" />
<v:f eqn="sum @0 1 0" />
<v:f eqn="sum 0 0 @1" />
<v:f eqn="prod @2 1 2" />
<v:f eqn="prod @3 21600 pixelWidth" />
<v:f eqn="prod @3 21600 pixelHeight" />
<v:f eqn="sum @0 0 1" />
<v:f eqn="prod @6 1 2" />
<v:f eqn="prod @7 21600 pixelWidth" />
<v:f eqn="sum @8 21600 0" />
<v:f eqn="prod @7 21600 pixelHeight" />
<v:f eqn="sum @10 21600 0" />
</v:formulas>
<v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect" />
<o:lock v:ext="edit" aspectratio="t" />
</v:shapetype><v:shape id="Picture_x0020_1" o:spid="_x0000_s1026" type="#_x0000_t75" style='position:absolute;margin-left:-5.4pt;margin-top:0;width:468pt;height:131.7pt;z-index:-251658240;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:text;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page'>
<v:imagedata src="cid:image001.jpg@01D7CBD3.806C7B10" o:title="" />
<w:wrap type="tight"/>
</v:shape><![endif]--><![if !vml]><img width="624" height="175" src="cid:image002.jpg@01D7CBD3.806C7B10" align="left" hspace="12" v:shapes="Picture_x0020_1"><![endif]><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width="663" style="width:6.5in;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">October 28, 2021<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<table class="MsoTableGrid" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse;border:none">
<tbody>
<tr style="height:.3in">
<td width="58" style="width:43.85pt;padding:0in 5.4pt 0in 5.4pt;height:.3in">
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">To:<o:p></o:p></span></p>
</td>
<td width="550" style="width:412.85pt;padding:0in 5.4pt 0in 5.4pt;height:.3in">
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Emeriti and Retirees Association Members<o:p></o:p></span></p>
</td>
</tr>
<tr style="height:.3in">
<td width="58" style="width:43.85pt;padding:0in 5.4pt 0in 5.4pt;height:.3in">
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">From:<o:p></o:p></span></p>
</td>
<td width="550" style="width:412.85pt;padding:0in 5.4pt 0in 5.4pt;height:.3in">
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Central HR Benefits Office<o:p></o:p></span></p>
</td>
</tr>
<tr style="height:.3in">
<td width="58" style="width:43.85pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.3in">
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Re:<o:p></o:p></span></p>
</td>
<td width="550" style="width:412.85pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.3in">
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">It’s Time for Benefits Open Enrollment<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal" style="margin-bottom:6.0pt"><span style="font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style="height:1.0in">
<td width="663" style="width:6.5in;background:#BDD6EE;padding:0in 5.4pt 0in 5.4pt;height:1.0in">
<p class="MsoNormal" align="center" style="text-align:center;line-height:115%"><span style="font-size:12.0pt;line-height:115%;font-family:"Arial",sans-serif;color:#002060">Benefits Open Enrollment is now available on UC Retirement at Your Service (UCRAYS) and
ends on Friday, November 19, 2021 at 5:00 p.m.<o:p></o:p></span></p>
<p class="MsoNormal" align="center" style="text-align:center;line-height:115%"><a href="https://retirementatyourservice.ucop.edu"><span style="font-size:12.0pt;line-height:115%;font-family:"Arial",sans-serif">https://retirementatyourservice.ucop.edu</span></a><span style="font-size:12.0pt;line-height:115%;font-family:"Arial",sans-serif;color:#002060"><o:p></o:p></span></p>
</td>
</tr>
<tr style="height:187.65pt">
<td width="663" valign="top" style="width:6.5in;padding:0in 5.4pt 0in 5.4pt;height:187.65pt">
<p class="Body" style="mso-margin-top-alt:6.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:110%">
<b><span style="font-size:11.0pt;line-height:110%">Satisfied with your current benefits elections? Not making any changes? Then, no action is required and all existing benefits will roll over to the new plan year, January 1, 2022.<br>
</span></b><span style="font-size:11.0pt;line-height:110%"><br>
In keeping with the required regulations for social distancing due to the COVID-19 pandemic, this year’s Open Enrollment is virtual, including a virtual benefits fair, virtual help desk and an Open Enrollment website.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:6.0pt;line-height:110%"><b><span style="font-family:"Arial",sans-serif;color:#1F4E79">UCR Virtual Benefits Fair
<br>
</span></b><span style="font-family:"Arial",sans-serif;color:#1F4E79">Wednesday, November 3, 2021 | 10:00 a.m. – 2:00 p.m.<b><o:p></o:p></b></span></p>
<p class="MsoNormal" style="line-height:110%"><span style="font-family:"Arial",sans-serif">The UCR Virtual Benefits Fair features informational presentations, resources, and links to exhibitions and plan updates from our various benefits vendors. Participating
vendors will also host interactive webinar sessions where you may ask questions and participate in the live chat feature.
<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:110%"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:110%"><span style="font-family:"Arial",sans-serif">To participate in the Virtual Benefits Fair, please check in at the
</span><a href="https://whova.com/portal/webapp/uhrbf_202111/"><span style="font-family:"Arial",sans-serif;color:#0058A6">Virtual Benefits Fair webpage</span></a><span style="font-family:"Arial",sans-serif">.</span><span style="font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:110%"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:110%"><span style="font-family:"Arial",sans-serif">View and share the
</span><a href="https://hr.ucr.edu/document/2022-benefits-open-enrollment-virtual-benefits-fair"><span style="font-family:"Arial",sans-serif">2022 Benefits Open Enrollment Virtual Benefits Fair flyer</span></a><span style="font-family:"Arial",sans-serif">.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:110%"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="Body" style="mso-margin-top-alt:0in;margin-right:.5in;margin-bottom:6.0pt;margin-left:0in;line-height:115%">
<b><span style="font-size:11.0pt;line-height:115%;color:#2F5496">Emeriti and Retirees Open Enrollment Virtual Help Desk
<br>
</span></b><span style="font-size:11.0pt;line-height:115%;color:#2F5496">Tuesday, November 16, 2021 | 8:00 a.m. – 5:00 p.m.
<o:p></o:p></span></p>
<p class="Body" style="mso-margin-top-alt:0in;margin-right:.05in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:115%">
<span style="font-size:11.0pt;line-height:115%">The UCR Benefits Office is available to assist all UCR Emeriti and Retirees with understanding the benefits options available, changes to plans or services, and an overview of the medical plan premium changes.
You are welcome to contact us during these hours—via email at<span style="color:black">
</span></span><a href="mailto:benefits@ucr.edu"><span style="font-size:11.0pt;line-height:115%">benefits@ucr.edu</span></a><span class="MsoHyperlink"><span style="font-size:11.0pt;line-height:115%;color:windowtext;text-decoration:none">; or t</span></span><span style="font-size:11.0pt;line-height:115%">elephone</span>
<span class="MsoHyperlink"><span style="font-size:11.0pt;line-height:115%;color:windowtext;text-decoration:none">at (951) 827-2636 or (951) 827-5086</span></span><span style="color:black">—</span><span style="font-size:11.0pt;line-height:115%;color:black">for
assistance and to answer any questions you may have. <o:p></o:p></span></p>
<p class="Body" style="mso-margin-top-alt:0in;margin-right:.05in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:115%">
<span style="font-size:11.0pt;line-height:115%;color:black"><o:p> </o:p></span></p>
<p class="Body" style="mso-margin-top-alt:0in;margin-right:.05in;margin-bottom:6.0pt;margin-left:0in;line-height:115%">
<span style="font-size:11.0pt;line-height:115%;color:black">Please view and share the
</span><a href="https://hr.ucr.edu/document/open-enrollment-2022-virtual-help-desk-retirees"><span style="font-size:11.0pt;line-height:115%">Emeriti and Retirees Open Enrollment Virtual Help Desk flyer</span></a><span class="MsoHyperlink"><span style="font-size:11.0pt;line-height:115%;text-decoration:none">.</span></span><span style="font-size:11.0pt;line-height:115%;color:#0563C1"><o:p></o:p></span></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse">
<tbody>
<tr style="height:.4in">
<td width="624" style="width:6.5in;background:#BDD6EE;padding:0in 5.4pt 0in 5.4pt;height:.4in">
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#002060">Open Enrollment Education<o:p></o:p></span></b></p>
</td>
</tr>
<tr style="height:.4in">
<td width="624" style="width:6.5in;padding:0in 5.4pt 0in 5.4pt;height:.4in">
<p class="MsoNormal" style="mso-margin-top-alt:6.0pt;margin-right:.5in;margin-bottom:6.0pt;margin-left:0in;line-height:105%">
<b><span style="font-family:"Arial",sans-serif;color:#002060">Emeriti and Retirees Open Enrollment Presentation<o:p></o:p></span></b></p>
<p class="Body" style="mso-margin-top-alt:0in;margin-right:.05in;margin-bottom:6.0pt;margin-left:0in;line-height:115%">
<span style="font-size:11.0pt;line-height:115%">Learn more about your 2022 Benefits Open Enrollment options by reviewing this recorded presentation outlining all changes and additions to your benefit options. To access the recorded information prior to making
your Open Enrollment changes, please visit </span><span style="font-size:11.0pt;line-height:115%">the
<a href="https://retirees.ucr.edu/ucr-open-enrollment-2022-0">UCR Emeriti and Retirees Benefits Open Enrollment website<span style="mso-bookmark:_Hlk84571477"></span></a><a name="_Hlk84571477"></a></span><span style="mso-bookmark:_Hlk84571477"><span style="font-size:11.0pt;line-height:115%">.</span></span><span style="font-size:11.0pt;line-height:115%;color:black"><o:p></o:p></span></p>
</td>
</tr>
<tr style="height:.4in">
<td width="624" style="width:6.5in;background:#BDD6EE;padding:0in 5.4pt 0in 5.4pt;height:.4in">
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#002060">Open Enrollment Website<o:p></o:p></span></b></p>
</td>
</tr>
<tr style="height:.4in">
<td width="624" style="width:6.5in;padding:0in 5.4pt 0in 5.4pt;height:.4in">
<p class="MsoNormal" style="mso-margin-top-alt:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:115%">
<span style="font-family:"Arial",sans-serif">In addition, you will be able to access the
<a href="https://retirees.ucr.edu/ucr-open-enrollment-2022-0">UCR Emeriti and Retirees Benefits<span style="font-family:"Calibri",sans-serif">
</span>Open Enrollment website</a> that highlights important changes and information that you need to know about your benefit costs and options for the coming year.<o:p></o:p></span></p>
</td>
</tr>
<tr style="height:.4in">
<td width="624" style="width:6.5in;background:#BDD6EE;padding:0in 5.4pt 0in 5.4pt;height:.4in">
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#002060">Contact us</span></b><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></b></p>
</td>
</tr>
<tr style="height:41.4pt">
<td width="624" style="width:6.5in;padding:0in 5.4pt 0in 5.4pt;height:41.4pt">
<p class="MsoNormal" style="margin-top:6.0pt;line-height:110%"><span style="font-family:"Arial",sans-serif">For questions regarding Open Enrollment, please contact the Benefits Office via email at
</span><a href="mailto:benefits@ucr.edu"><span style="font-family:"Arial",sans-serif">benefits@ucr.edu</span></a><span style="font-family:"Arial",sans-serif">.
<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class="Body" style="mso-margin-top-alt:0in;margin-right:.05in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:115%">
<span style="font-size:11.0pt;line-height:115%;color:#002060"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
</body>
</html>