<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=utf-8">
<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]-->
<title>December 2021 Perspectives newsletter for Tier One, Tier Two members</title>
<style><!--
/* Font Definitions */
@font-face
{font-family:Helvetica;
panose-1:2 11 6 4 2 2 2 2 2 4;}
@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;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
h1
{mso-style-priority:9;
mso-style-link:"Heading 1 Char";
mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:24.0pt;
font-family:"Calibri",sans-serif;
font-weight:bold;}
h2
{mso-style-priority:9;
mso-style-link:"Heading 2 Char";
mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:18.0pt;
font-family:"Calibri",sans-serif;
font-weight:bold;}
h3
{mso-style-priority:9;
mso-style-link:"Heading 3 Char";
mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:13.5pt;
font-family:"Calibri",sans-serif;
font-weight:bold;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
span.Heading3Char
{mso-style-name:"Heading 3 Char";
mso-style-priority:9;
mso-style-link:"Heading 3";
font-family:"Calibri Light",sans-serif;
color:#1F3763;}
span.Heading1Char
{mso-style-name:"Heading 1 Char";
mso-style-priority:9;
mso-style-link:"Heading 1";
font-family:"Calibri Light",sans-serif;
color:#2F5496;}
span.Heading2Char
{mso-style-name:"Heading 2 Char";
mso-style-priority:9;
mso-style-link:"Heading 2";
font-family:"Calibri Light",sans-serif;
color:#2F5496;}
span.EmailStyle25
{mso-style-type:personal-reply;
font-family:"Calibri",sans-serif;
color:windowtext;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;}
@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:220754696;
mso-list-template-ids:-1657357690;}
@list l0:level1
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l0:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l0:level3
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l0:level4
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l0:level5
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l0:level6
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l0:level7
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l0:level8
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l0:level9
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1
{mso-list-id:321586073;
mso-list-template-ids:1903481686;}
@list l1:level1
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l1:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l1:level3
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level4
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level5
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level6
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level7
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level8
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l1:level9
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2
{mso-list-id:1226600622;
mso-list-template-ids:835591310;}
@list l2:level1
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l2:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l2:level3
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level4
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level5
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level6
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level7
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level8
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l2:level9
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l3
{mso-list-id:1674796351;
mso-list-template-ids:568782538;}
@list l3:level1
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l3:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l3:level3
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l3:level4
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l3:level5
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l3:level6
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l3:level7
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l3:level8
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l3:level9
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4
{mso-list-id:1689716908;
mso-list-template-ids:-1028479784;}
@list l4:level1
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l4:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l4:level3
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level4
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level5
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level6
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level7
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level8
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l4:level9
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l5
{mso-list-id:1883395280;
mso-list-template-ids:-445843786;}
@list l5:level1
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l5:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l5:level3
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l5:level4
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l5:level5
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l5:level6
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l5:level7
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l5:level8
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l5:level9
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l6
{mso-list-id:2023194612;
mso-list-template-ids:296355574;}
@list l6:level1
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l6:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l6:level3
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l6:level4
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l6:level5
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l6:level6
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l6:level7
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l6:level8
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l6:level9
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l7
{mso-list-id:2104835864;
mso-list-template-ids:-2058844194;}
@list l7:level1
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l7:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l7:level3
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l7:level4
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l7:level5
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l7:level6
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l7:level7
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l7:level8
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
@list l7:level9
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Wingdings;}
ol
{margin-bottom:0in;}
ul
{margin-bottom:0in;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1034" />
</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="blue" vlink="purple" style="word-wrap:break-word">
<div class="WordSection1">
<p class="MsoNormal"><span style="font-size:12.0pt">Forwarding on behalf of PERS.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#993366"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="color:#1F4E79;letter-spacing:2.0pt">Shauna Tobiasson</span></b><b><span style="font-size:10.0pt;color:#4F6228">
</span></b><span style="font-size:10.0pt;color:gray">| </span><span style="font-size:10.0pt;color:#993366">Senior CPERS Analyst</span><span style="font-size:10.0pt;color:gray"><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:3.0pt;color:#A6A6A6">___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:10.0pt;color:#595959">DAS Centralized PERS Services Team
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;color:#595959">Cell: 971-719-3173<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:12.0pt"><span style="font-size:9.0pt;color:#993366">Website:
</span><span style="color:#993366"><a href="http://www.oregon.gov/DAS/Financial/payroll/Pages/index.aspx"><span style="font-size:9.0pt;color:#0563C1">http://www.oregon.gov/DAS/Financial/payroll/Pages/index.aspx</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;color:#993366">“I have the most valuable commodity in America: the blind stubborn belief that I’m doing what is right” – Leslie Knope</span><span style="color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D"><o:p> </o:p></span></p>
</div>
<p class="MsoNormal"><span style="font-size:12.0pt"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b> Oregon PERS <OregonPERS@public.govdelivery.com>
<br>
<b>Sent:</b> Wednesday, December 1, 2021 4:03 PM<br>
<b>To:</b> TOBIASSON Shauna M * DAS <Shauna.M.TOBIASSON@das.oregon.gov><br>
<b>Subject:</b> December 2021 Perspectives newsletter for Tier One, Tier Two members<o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse">
<tbody>
<tr>
<td style="padding:.75pt .75pt .75pt .75pt"><a name="gd_top"></a></td>
<span style="mso-bookmark:gd_top"></span>
</tr>
</tbody>
</table>
<span style="mso-bookmark:gd_top"></span>
<p class="MsoNormal"><span lang="EN"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0" id="flexible-abe-main-table">
<tbody>
<tr>
<td style="background:whitesmoke;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<tbody>
<tr>
<td style="padding:15.0pt 0in 15.0pt 0in"></td>
<td style="padding:15.0pt 0in 15.0pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:whitesmoke;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-48769da0-13a9-4268-8342-e53c96bb9d61">
<div id="abe-column-block-48769da0-13a9-4268-8342-e53c96bb9d61-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<p align="center" style="margin:0in;text-align:center"><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:#666666"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDAsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL2NvbnRlbnQuZ292ZGVsaXZlcnkuY29tL2FjY291bnRzL09SUEVSUy9idWxsZXRpbnMvMmZkODdmMCJ9.DK2qQZu9TyJQcwvIsd52vHN10zp685eR9B1x9C3N4fU/s/778057492/br/122094850900-l" target="_blank"><span style="color:#666666">VIEW
AS A WEBPAGE</span></a><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-591c2a85-f5d1-4fbb-8cb3-72eaa5b3d850">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:white;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:0in 0in 0in 0in">
<div id="abe-column-block-2c312d4b-ebaa-4167-a0db-9925be9350c2">
<div id="abe-column-block-2c312d4b-ebaa-4167-a0db-9925be9350c2-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<p class="MsoNormal"><img border="0" width="600" height="220" style="width:6.25in;height:2.2916in" id="_x0000_i1037" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215392/3840115/tiers-header-december-2021_crop.png" alt="Oregon PERS Perspectives newsletter for Tier One, Tier Two members; background of snow-covered Oregon mountain"><o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-180e707c-7772-42b6-bd9e-79d00007b53e">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:white;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-9d95ca32-7cbd-441b-8ed8-81440891d1ee">
<div id="abe-column-block-9d95ca32-7cbd-441b-8ed8-81440891d1ee-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<h3 align="right" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;text-align:right">
<span style="font-size:11.5pt;font-family:"Helvetica",sans-serif;color:#676767">DECEMBER 2021<o:p></o:p></span></h3>
<h1 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">2021 virtual Expo offers retirement guidance<o:p></o:p></span></h1>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<!--[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_2" o:spid="_x0000_s1033" type="#_x0000_t75" alt="Screenshot of 2021 PERS Expo website" style='position:absolute;margin-left:136.3pt;margin-top:0;width:187.5pt;height:132.75pt;z-index:251658240;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:3.5pt;mso-wrap-distance-top:0;mso-wrap-distance-right:3.5pt;mso-wrap-distance-bottom:0;mso-position-horizontal:right;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f">
<v:imagedata src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215359/expo-screenshot-flat_original.png" />
<w:wrap type="square" anchory="line"/>
</v:shape><![endif]--><![if !vml]><img width="250" height="177" style="width:2.6041in;height:1.8472in" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215359/expo-screenshot-flat_original.png" align="right" hspace="5" alt="Screenshot of 2021 PERS Expo website" v:shapes="Picture_x0020_2"><![endif]><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">More
than 4,600 public employees explored this year’s PERS Expo, learning more about their PERS benefits to help them prepare for a secure retirement. Expo was again offered as an online-only event due to the COVID-19 pandemic. However, this year, PERS built on
the resources and materials offered virtually in 2020 to provide members with live, interactive, and on-demand presentations as well as question-and-answer sessions.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Expo was launched in October, with live sessions presented October 5 and 6. If you were unable to attend in October, Expo resources and recordings are still available to
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDEsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5lbmdhZ2V6Lm5ldC9QRVJTRXhwbzIxIn0.XeSyZAE_5RARl6CTNqbJx6bQfNjuvivMSZQ_SjunZvU/s/778057492/br/122094850900-l">
<span style="color:#14506E">explore online</span></a> through December 31, 2021.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Expo’s offerings include:<o:p></o:p></span></p>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l1 level1 lfo1;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Checklists of key steps to take to help create a secure retirement.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l1 level1 lfo1;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Overviews of PERS retirement plans — Tier One, Tier Two, and Oregon Public Service Retirement Plan (OPSRP).<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l1 level1 lfo1;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Options for extra retirement savings beyond PERS, including Oregon Savings Growth Plan (OSGP) and its advantages.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l1 level1 lfo1;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Health insurance options offered to retirees by PERS Health Insurance Program.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l1 level1 lfo1;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Various recorded PERS and OSGP presentations.<o:p></o:p></span></li></ul>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">The goals of this year’s virtual Expo remained the same as always: to help members better understand their PERS benefits and plan for a secure financial future.<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-bcfadb5f-e117-413d-8734-1b673475b1c9">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:#FFF4DC;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-6571439b-acd3-4ccb-8fac-be7b3e013f3b">
<div id="abe-column-block-6571439b-acd3-4ccb-8fac-be7b3e013f3b-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<p class="MsoNormal"><img border="0" width="570" height="144" style="width:5.9375in;height:1.5in" id="_x0000_i1036" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215363/3840116/mas-image-04_crop.png" alt="Example image of a PERS member annual statement"><o:p></o:p></p>
<h1 style="mso-margin-top-alt:8.05pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<strong><span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">2021 member annual statements to arrive in May</span></strong><span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E"><o:p></o:p></span></h1>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">As year’s end approaches, you may wonder when you will receive your next member annual statement. Your 2021 statement will be mailed by the end of May 2022 and will reflect data submitted
by your employer as of December 31, 2021.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">It takes that long to prepare your statement for two reasons:<o:p></o:p></span></p>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l5 level1 lfo2;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">The PERS Board must adopt final earnings crediting before statements can be finalized. In 2022, the board will vote on adoption on March 28.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l5 level1 lfo2;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">PERS must painstakingly check the accuracy of contribution information received from more than 900 employers regarding thousands of member accounts.<o:p></o:p></span></li></ul>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">While you wait, explore our
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDIsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL01lbWJlci1Bbm51YWwtU3RhdGVtZW50LUZBUXMuYXNweCJ9.i-1s91v9QT1yTvs_Qro6UR_pD_sA17Du7hGdyUB1rP4/s/778057492/br/122094850900-l">
<span style="color:#14506E">Member Annual Statement FAQs</span></a> webpage, which includes interactive examples and information to help you understand your statement. Also, check that your address is correct through your
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDMsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvUGFnZXMvV2hhdC1Jcy1PTVMuYXNweCJ9.yRaG45HajPZgXwZ7nTj_B5edYTb36-Xq2sd8yX55XVw/s/778057492/br/122094850900-l">
<span style="color:#14506E">Online Member Services</span></a> (OMS) account. If you need to change it, contact your employer to have it updated in the PERS reporting system. If you are not currently working for a PERS-participating employer, you can change
your address yourself in OMS. Make any necessary changes by February 28, 2022.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">To receive alerts about annual statements, sign up for GovDelivery emails from PERS. If you have questions,
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDQsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvUGFnZXMvQ29udGFjdC1Vcy5hc3B4In0.WGySRZCumejTS8W9n6wYeOKiTkJF35Z-cj0m2Wi4rcE/s/778057492/br/122094850900-l" target="_blank">
<span style="color:#14506E">contact Member Services</span></a> for help.<o:p></o:p></span></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr>
<td style="padding:0in 0in 11.25pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<tbody>
<tr>
<td style="background:#14506E;padding:7.5pt 7.5pt 7.5pt 7.5pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<p class="MsoNormal" align="center" style="text-align:center"><span style="color:black"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDUsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3B1YmxpYy5nb3ZkZWxpdmVyeS5jb20vYWNjb3VudHMvT1JQRVJTL3N1YnNjcmliZXIvbmV3P3RvcGljX2lkPU9SUEVSU184In0.RfKEd5pAM60vzBXoRWFUJ15Hr4uJ_mgZlhz2_ZTV3L0/s/778057492/br/122094850900-l" target="_blank" title="SIGN UP FOR GOVDELIVERY"><strong><span style="font-size:13.0pt;font-family:"Helvetica",sans-serif;color:white;text-decoration:none">SIGN
UP FOR GOVDELIVERY</span></strong></a></span><o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-22ed8c4a-1143-4f03-8758-0b0032762ca3">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:white;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-2a6386c5-acdf-4552-947e-50c3d17a7e55">
<div id="abe-column-block-2a6386c5-acdf-4552-947e-50c3d17a7e55-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<h1 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">One-time variable transfer deadline<o:p></o:p></span></h1>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word">
<tbody>
<tr>
<td width="132" valign="top" style="width:99.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<p class="MsoNormal"><img border="0" width="132" height="132" style="width:1.375in;height:1.375in" id="_x0000_i1035" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215404/3843081/deadline-icon-gray-01_crop.png" alt="Deadline icon"><o:p></o:p></p>
</td>
<td width="8" valign="top" style="width:6.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
</td>
<td valign="top" style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Do you have a variable account you want to permanently transfer into your regular account beginning January 1, 2022? If yes, then PERS must receive a completed
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDYsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvRG9jdW1lbnRzL0Zvcm0vMzU0Vy1PbmUtVGltZS1WYXJpYWJsZS1UcmFuc2Zlci1BY3RpdmUtb3ItSW5hY3RpdmUtTWVtYmVycy5wZGYifQ.TAgmULzTq4mnSw43qkwtZoOZDxNRB0dnczekuFsSSzk/s/778057492/br/122094850900-l">
<span style="color:#14506E">One-Time Variable Transfer</span></a> form from you <strong>
<span style="font-family:"Helvetica",sans-serif">no later than December 31, 2021</span></strong>. Read the form and our
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDcsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL09uZS1UaW1lLVZhcmlhYmxlLUFjY291bnQtVHJhbnNmZXIuYXNweCJ9.PjkSrPuQPsF11Kvflq7mIcvzCge03xItxV_JUP8sXT8/s/778057492/br/122094850900-l">
<span style="color:#14506E">One-Time Variable Account Transfer</span></a> webpage for eligibility requirements and more information.<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal"><o:p> </o:p></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr>
<td style="padding:12.0pt 0in 11.25pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<tbody>
<tr>
<td style="background:#14506E;padding:7.5pt 7.5pt 7.5pt 7.5pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<p class="MsoNormal" align="center" style="text-align:center"><span style="color:black"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDgsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvRG9jdW1lbnRzL0Zvcm0vMzU0Vy1PbmUtVGltZS1WYXJpYWJsZS1UcmFuc2Zlci1BY3RpdmUtb3ItSW5hY3RpdmUtTWVtYmVycy5wZGYifQ.00cHLxD6Wj23HZsT3HUh8Ag5IlN2VEpoHCYXbm8hIZw/s/778057492/br/122094850900-l" target="_blank" title="DOWNLOAD FORM"><strong><span style="font-size:13.0pt;font-family:"Helvetica",sans-serif;color:white;text-decoration:none">DOWNLOAD
FORM</span></strong></a></span><o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-3cd53405-dac1-4632-a189-cee1ff18b30e">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:#FFF4DC;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-99b61c93-7d5b-49a7-863d-c3d817c1d8c6">
<div id="abe-column-block-99b61c93-7d5b-49a7-863d-c3d817c1d8c6-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<h1 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<strong><span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">Find salary limit information on our website</span></strong><span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E"><o:p></o:p></span></h1>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<!--[if gte vml 1]><v:shape id="Picture_x0020_3" o:spid="_x0000_s1032" type="#_x0000_t75" alt="Salary limit icon" style='position:absolute;margin-left:49.3pt;margin-top:0;width:100.5pt;height:100.5pt;z-index:251659264;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:3.5pt;mso-wrap-distance-top:0;mso-wrap-distance-right:3.5pt;mso-wrap-distance-bottom:0;mso-position-horizontal:right;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f">
<v:imagedata src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215385/3843082/salary-limit-icon-light-blue-01_crop.png" />
<w:wrap type="square" anchory="line"/>
</v:shape><![endif]--><![if !vml]><img width="134" height="134" style="width:1.3958in;height:1.3958in" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215385/3843082/salary-limit-icon-light-blue-01_crop.png" align="right" hspace="5" alt="Salary limit icon" v:shapes="Picture_x0020_3"><![endif]><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">At
PERS, a “subject salary” is used to determine member IAP contributions, employer contributions to fund the pension program, and the final average salary for calculating retirement benefits under formula methods. In 2020, Senate Bill (SB) 1049 began changing
limits on subject salaries. The limits can vary each year based on the Consumer Price Index.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">For more details about SB 1049 and salary limits, read the
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDksInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL1NCMTA0OS5hc3B4In0.4VanZ49MEsRTkUJx_dHBN_uspzBRhJj6ii0a_iyro9I/s/778057492/br/122094850900-l" target="_blank">
<span style="color:#14506E">Senate Bill 1049 (2019) — Member Information</span></a>,
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTAsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL1NCLTEwNDktQ2hhbmdlcy1TYWxhcnktTGltaXQuYXNweCJ9.FgOjJExyP9Wl5wsh9fTOeBqArLPFWfHv7UOoV0v-Pzc/s/778057492/br/122094850900-l">
<span style="color:#14506E">SB 1049 Changes: Salary Limit</span></a>, and <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTEsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL1BhcnRpYWwtWWVhci5hc3B4In0.SB5VDMPrgITSr1_seKj7Xd-2tZNJC65-sDAfugwc19A/s/778057492/br/122094850900-l">
<span style="color:#14506E">Partial Year Salary Limits</span></a> webpages.<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-af8b2ed7-375e-4bb5-84d0-45ca23875c66">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:white;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-084be821-863b-44da-9a36-b965eef61338">
<div id="abe-column-block-084be821-863b-44da-9a36-b965eef61338-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<h1 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<strong><span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">Keep your beneficiary designations up to date</span></strong><span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E"><o:p></o:p></span></h1>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<p class="MsoNormal"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTIsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3ZpbWVvLmNvbS80NjU0MjEzOTYifQ.Y_aH3xApNdAibvn9OaBt_PRNceC3iaSJYMY4rtLttUY/s/778057492/br/122094850900-l" target="_blank" title="Naming your beneficiaries"></a><!--[if gte vml 1]><v:shape id="Picture_x0020_4" o:spid="_x0000_s1031" type="#_x0000_t75" alt="Screenshot from OSGP video "Why designate a beneficiary?"" href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTIsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3ZpbWVvLmNvbS80NjU0MjEzOTYifQ.Y_aH3xApNdAibvn9OaBt_PRNceC3iaSJYMY4rtLttUY/s/778057492/br/122094850900-l" target=""_blank"" title=""Naming your beneficiaries"" style='position:absolute;margin-left:182.8pt;margin-top:0;width:234pt;height:150.75pt;z-index:251660288;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:3.5pt;mso-wrap-distance-top:0;mso-wrap-distance-right:3.5pt;mso-wrap-distance-bottom:0;mso-position-horizontal:right;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f" o:button="t">
<v:imagedata src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215368/3843083/designate-beneficiary-screenshot_crop.png" />
<w:wrap type="square" anchory="line"/>
</v:shape><![endif]--><![if !vml]><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTIsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3ZpbWVvLmNvbS80NjU0MjEzOTYifQ.Y_aH3xApNdAibvn9OaBt_PRNceC3iaSJYMY4rtLttUY/s/778057492/br/122094850900-l" target=""_blank""><img border="0" width="312" height="201" style="width:3.25in;height:2.0972in" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215368/3843083/designate-beneficiary-screenshot_crop.png" align="right" hspace="5" alt="Screenshot from OSGP video "Why designate a beneficiary?"" title=""Naming your beneficiaries"" v:shapes="Picture_x0020_4"></a><![endif]><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTIsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3ZpbWVvLmNvbS80NjU0MjEzOTYifQ.Y_aH3xApNdAibvn9OaBt_PRNceC3iaSJYMY4rtLttUY/s/778057492/br/122094850900-l" target="_blank" title="Naming your beneficiaries"></a><o:p></o:p></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTMsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3ZpbWVvLmNvbS80NjU0MjEzOTYifQ.kZVNDiXjq7cW9uOWF19zltbAJeigNhflADW_n3Fdje8/s/778057492/br/122094850900-l"><span style="color:#14506E">Naming
your beneficiaries</span></a> and keeping those designations current is a critical part of retirement planning.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Here’s why: If you have not designated a beneficiary prior to your death, PERS will pay the balance of your member account to your estate at the time of your death.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Locating next of kin can be challenging and substantially delay payment of your benefits to your survivors. To avoid delays, PERS encourages members to complete and submit beneficiary
forms for your <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTQsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvRG9jdW1lbnRzL0Zvcm0vMDk0LVRpZXItT25lLW9yLVRpZXItVHdvLVByZS1SZXRpcmVtZW50LUJlbmVmaWNpYXJ5LURlc2lnbmF0aW9uLnBkZiJ9.U8QCzjlbscctjxSsuspU6jHrk7giu1mPTbS7g-M4JBw/s/778057492/br/122094850900-l">
<span style="color:#14506E">pension</span></a> and your <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTUsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvRG9jdW1lbnRzL0Zvcm0vNDY5LUlBUC1QcmUtUmV0aXJlbWVudC1EZXNpZ25hdGlvbi1vZi1CZW5lZmljaWFyeS1QYWNrZXQucGRmIn0.CCFye01yOTP9n5GQwKHrObqOMIM6WteyvEiN6V-Jd_s/s/778057492/br/122094850900-l">
<span style="color:#14506E">Individual Account Program</span></a> (IAP) account. If you have designated a beneficiary and die before retirement, PERS will pay the amounts in your Tier One or Tier Two member account and your IAP account to your designated beneficiary.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">If your death meets certain criteria, your employer may pay your beneficiary an additional amount that matches the value of your Tier One or Tier Two member account.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">If your spouse is your sole Tier One or Tier Two beneficiary, they can receive the Optional Spouse Death Benefit (OSDB), which is a lifetime monthly payment based on your salary and
service credit, if certain conditions are met:<o:p></o:p></span></p>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l2 level1 lfo3;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">You are working for a PERS-participating employer at the time of your death, or your death is within 120 days after your employment ended.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l2 level1 lfo3;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Survivors immediately notify PERS about your death.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l2 level1 lfo3;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Your spouse completes an OSDB estimate/election form that PERS sends them. PERS must receive the form from your spouse within 60 days from your date of death. Postmarks do not count.<o:p></o:p></span></li></ul>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">When your survivors or executor
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTYsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvSExQL1BhZ2VzL0hhdmUtYS1EZWF0aC1pbi10aGUtRmFtaWx5LVRpZXItT25lLVRpZXItVHdvLU1lbWJlcnMuYXNweCJ9.5fhuRZblOv0E1mPk1lvlywS4hIXu59IPRseZSckCBYs/s/778057492/br/122094850900-l">
<span style="color:#14506E">notify PERS</span></a> of your death, PERS will ask them to provide the date of death, city and state where the death occurred, a photocopy of the death certificate, and their contact information.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Processing death benefits typically can take one to two months. To avoid processing delays, consider keeping you beneficiary designations current. Again, your survivors or executors
should notify PERS of your death as soon as possible.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">If you have questions, you can
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTcsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvUGFnZXMvQ29udGFjdC1Vcy5hc3B4In0.gRAwTZl4afrKasF3oeP2DdHaC2p2LQU2_xy64AlqauQ/s/778057492/br/122094850900-l">
<span style="color:#14506E">contact PERS</span></a> at any time, but you may especially want to do this when major life events occur. Major events include marriage,
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTgsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL0dldC1EaXZvcmNlZC5hc3B4In0.RtFJhKUb85z8G4sjSad3tYJxei-jr6Sv_4P083Lv5vk/s/778057492/br/122094850900-l">
<span style="color:#14506E">divorce</span></a>, or the death of a beneficiary.<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-fd97d9c5-4eeb-40d6-b172-4a6d27b58cfa">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:#FFF4DC;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-8b5469f9-adb3-41ef-ac81-b417c551cfbc">
<div id="abe-column-block-8b5469f9-adb3-41ef-ac81-b417c551cfbc-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<h1 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<strong><span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">A new Perspectives</span></strong><span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E"><o:p></o:p></span></h1>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<!--[if gte vml 1]><v:shape id="Picture_x0020_5" o:spid="_x0000_s1030" type="#_x0000_t75" alt="Email icon" style='position:absolute;margin-left:0;margin-top:0;width:113.25pt;height:113.25pt;z-index:251661312;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:3.5pt;mso-wrap-distance-top:0;mso-wrap-distance-right:3.5pt;mso-wrap-distance-bottom:0;mso-position-horizontal:left;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f">
<v:imagedata src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215370/3840120/email-icon-01_crop.png" />
<w:wrap type="square" anchory="line"/>
</v:shape><![endif]--><![if !vml]><img width="151" height="151" style="width:1.5694in;height:1.5694in" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215370/3840120/email-icon-01_crop.png" align="left" hspace="5" alt="Email icon" v:shapes="Picture_x0020_5"><![endif]><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">You
may have noticed something’s different about your member newsletter, Perspectives. Starting with this edition, PERS is providing you with member news in an email format. Previously, we emailed you links to where you could find a digital version of the newsletter
on the PERS website.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Now, important member news and reminders will come directly to you — three times a year in your inbox. You can still access past editions of Perspectives on the News page of our website.<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal"><o:p> </o:p></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr>
<td style="padding:12.0pt 0in 11.25pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<tbody>
<tr>
<td style="background:#14506E;padding:7.5pt 7.5pt 7.5pt 7.5pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<p class="MsoNormal" align="center" style="text-align:center"><span style="color:black"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTksInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvUGFnZXMvTmV3cy5hc3B4In0.t_hOQQPSM_2zLsGaIY3F5doCKb5JILbUYfEmSzAOd_M/s/778057492/br/122094850900-l" target="_blank" title="ACCESS PAST EDITIONS"><strong><span style="font-size:13.0pt;font-family:"Helvetica",sans-serif;color:white;text-decoration:none">ACCESS
PAST EDITIONS</span></strong></a></span><o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-9522b8ee-3e2a-4c37-b076-5f1ee85bfaed">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:white;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-635fe843-9b87-40e6-a3e9-6e26a96f3707">
<div id="abe-column-block-635fe843-9b87-40e6-a3e9-6e26a96f3707-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<h1 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">Oregon Legislature defines PERS and its benefits<o:p></o:p></span></h1>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<!--[if gte vml 1]><v:shape id="Picture_x0020_6" o:spid="_x0000_s1029" type="#_x0000_t75" alt="Image of Heather Case, PERS Senior Policy Advisor" style='position:absolute;margin-left:87.55pt;margin-top:0;width:138.75pt;height:146.25pt;z-index:251662336;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:3.5pt;mso-wrap-distance-top:0;mso-wrap-distance-right:3.5pt;mso-wrap-distance-bottom:0;mso-position-horizontal:right;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f">
<v:imagedata src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215437/3840121/heather-cropped_crop.jpg" />
<w:wrap type="square" anchory="line"/>
</v:shape><![endif]--><![if !vml]><img width="185" height="195" style="width:1.9305in;height:2.0277in" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215437/3840121/heather-cropped_crop.jpg" align="right" hspace="5" alt="Image of Heather Case, PERS Senior Policy Advisor" v:shapes="Picture_x0020_6"><![endif]><em><b><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">By
Heather Case, PERS Senior Policy Advisor</span></b></em><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black"><o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">The Oregon Legislature does many things that affect our daily lives as Oregonians, including serving as the “plan sponsor” for the Public Employees Retirement System (PERS).<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">As plan sponsor, the Legislature sets the rules that govern the retirement system in which public employees participate. The laws that the Legislature makes define who a PERS member
is, what benefits a member can receive at retirement, retirement eligibility criteria, and so on.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">To put PERS laws into action, the Legislature established an agency in 1946 to administer the retirement system in partnership with more than 900 public employers. That agency also
is known by the acronym PERS.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">PERS, the agency, as part of its administrative role, assists more than 384,000 current and former public employees or their beneficiaries with their retirement benefits. The agency
maintains information about PERS members, educates them about their benefits and retirement-related resources (including the Oregon Savings Growth Plan and PERS Health Insurance Program), helps them navigate the retirement application process, and pays them
their benefits after retirement.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">In total, three entities play critical roles in the PERS system, ensuring it runs efficiently and effectively:<o:p></o:p></span></p>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l7 level1 lfo4;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">The Legislature</span></strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif"> creates the rules of the system.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l7 level1 lfo4;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Oregon State Treasury</span></strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif"> — especially the Oregon Investment Council — invests and manages assets within
the Oregon Public Employees Retirement Fund (OPERF), which is the source of PERS pensions.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l7 level1 lfo4;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">PERS, the agency,</span></strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif"> follows the rules set by the Legislature to administer the plan and ensure members
get paid the right benefit at the right time.<o:p></o:p></span></li></ul>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Like the three legs of a stool, those three entities must work together to support the overall system.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">For example, not every legislator is an expert in PERS. Because of this, PERS, the agency, works with lawmakers during and between legislative sessions to help them understand the
plan and the effect that proposed laws can have if passed.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">It is important for the agency to work with the Legislature because the agency must implement any legislative changes lawmakers make. The agency also works with individual legislators
on PERS-related issues brought to them by their constituents.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">This agency-Legislature relationship is vital to supporting the PERS system and ultimately important to serving you — our PERS members.<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-65abe017-572e-4a41-a04a-3547aacc4952">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:#FFF4DC;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-b0efffbe-4b62-47a7-a3eb-831419bf4010">
<div id="abe-column-block-b0efffbe-4b62-47a7-a3eb-831419bf4010-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<h1 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">Looking for health insurance options?<o:p></o:p></span></h1>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<!--[if gte vml 1]><v:shape id="Picture_x0020_7" o:spid="_x0000_s1028" type="#_x0000_t75" alt="PERS Health Insurance Program logo" style='position:absolute;margin-left:117.55pt;margin-top:0;width:168.75pt;height:95.25pt;z-index:251663360;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:3.5pt;mso-wrap-distance-top:0;mso-wrap-distance-right:3.5pt;mso-wrap-distance-bottom:0;mso-position-horizontal:right;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f">
<v:imagedata src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215417/3843181/phip-logo-color-01_crop.png" />
<w:wrap type="square" anchory="line"/>
</v:shape><![endif]--><![if !vml]><img width="225" height="127" style="width:2.3472in;height:1.3194in" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215417/3843181/phip-logo-color-01_crop.png" align="right" hspace="5" alt="PERS Health Insurance Program logo" v:shapes="Picture_x0020_7"><![endif]><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">If
you are about to retire and reviewing your health insurance options, visit the <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMjAsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5wZXJzaGVhbHRoLmNvbSJ9.oxqfPFb3oSakz_NTkFOmD6jFFVVfXSV7Mg9rPQtekJQ/s/778057492/br/122094850900-l">
<span style="color:#14506E">PERS Health Insurance Program</span></a> (PHIP) website. The website offers information about PHIP eligibility rules; Medicare, non-Medicare, and dental plans; PHIP rates; and answers to other health insurance questions.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Contact PHIP at 1-800-768-7377 or visit the
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMjEsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5wZXJzaGVhbHRoLmNvbSJ9.AIw15qlw4a5aUFMZgK35ROXMu8DFAgNakxai48Yh3V4/s/778057492/br/122094850900-l">
<span style="color:#14506E">PHIP website</span></a> for more information.<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-71fd54ee-f7a3-4dd9-a52f-d4f858fc0c26">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:white;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-ad914818-57c5-4210-8b22-7d1af77d1acb">
<div id="abe-column-block-ad914818-57c5-4210-8b22-7d1af77d1acb-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<h1 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">Retirement process reminders<o:p></o:p></span></h1>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<!--[if gte vml 1]><v:shape id="Picture_x0020_8" o:spid="_x0000_s1027" type="#_x0000_t75" alt="Reminder icon" style='position:absolute;margin-left:47.05pt;margin-top:0;width:98.25pt;height:98.25pt;z-index:251664384;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:3.5pt;mso-wrap-distance-top:0;mso-wrap-distance-right:3.5pt;mso-wrap-distance-bottom:0;mso-position-horizontal:right;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f">
<v:imagedata src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215415/3843084/reminder-icon-pop-mustard-01_crop.png" />
<w:wrap type="square" anchory="line"/>
</v:shape><![endif]--><![if !vml]><img width="131" height="131" style="width:1.3611in;height:1.3611in" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215415/3843084/reminder-icon-pop-mustard-01_crop.png" align="right" hspace="5" alt="Reminder icon" v:shapes="Picture_x0020_8"><![endif]><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Are
you planning to retire in the near future? Don’t wait until the last minute to prepare.<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Check out these helpful resources from PERS to get ready:<o:p></o:p></span></p>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l3 level1 lfo5;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Review PERS’ <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMjIsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL1RpZXJPbmUtVGllclR3by1TdGVwcy10by1SZXRpcmUuYXNweCJ9.gW2IHIDuwhVquweKd6kvPrkyUqPAIVW0GYyNDedSjgI/s/778057492/br/122094850900-l">
<span style="color:#14506E">I Want to Retire</span></a> page and follow the instructions.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l3 level1 lfo5;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Attend an <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMjMsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL1RpZXItT25lLVRpZXItVHdvLVByZXNlbnRhdGlvbnMtSW5kZXguYXNweCJ9.pb6oo-Y-50eLnOGl_-3sD0R2NwEUQVmdXw0fQiXzbzE/s/778057492/br/122094850900-l">
<span style="color:#14506E">education session</span></a>. Sessions are currently available only by webinar due to the COVID-19 pandemic.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l3 level1 lfo5;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Schedule a <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMjQsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL1JBQVMvUmV0aXJlbWVudC1BcHBsaWNhdGlvbi1Bc3Npc3RhbmNlLVNlc3Npb25zLmFzcHgifQ.EO1_uJDNOeHMCP6jY1YQ38k_UqP4h6jbrfezTCl6IJ4/s/778057492/br/122094850900-l">
<span style="color:#14506E">retirement application assistance session (RAAS)</span></a>. These sessions currently are conducted by phone due to the pandemic. During your RAAS appointment, your forms will be reviewed by PERS staff for accuracy and completeness.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l3 level1 lfo5;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Get a written <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMjUsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL0JlbmVmaXQtRXN0aW1hdGVzLmFzcHgifQ.lDVXfCKMrhZhxpaO1rzT1NaXcVwzWblSqpHNzXGM8fg/s/778057492/br/122094850900-l">
<span style="color:#14506E">benefit estimate</span></a> when you are within 24 months of being eligible to retire. You also can create estimates online earlier through your
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMjYsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvUGFnZXMvV2hhdC1Jcy1PTVMuYXNweCJ9.QBpZ-7-lk4SAzct3zt2kk4xVw8mJhIOp2qpJPpT39-M/s/778057492/br/122094850900-l">
<span style="color:#14506E">Online Member Services</span></a> (OMS) account.<o:p></o:p></span></li></ul>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">Also, keep the following important points in mind:<o:p></o:p></span></p>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l0 level1 lfo6;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">It can take up to 92 days from your retirement date (not the date of your application submission) for your first pension benefit to be paid. Your benefit will be paid in arrears.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l0 level1 lfo6;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Once PERS receives your application, we will review all of your account information and reconcile data with your employer(s) as needed. Data discrepancies can sometimes cause your finalized benefit
amount to differ from benefit estimates you received earlier. Remember that benefit estimates are just that — estimates.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l0 level1 lfo6;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Checking your personal information in
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMjcsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvUGFnZXMvV2hhdC1Jcy1PTVMuYXNweCJ9.XpgZERnNX5wbpG0phYbgpSyJqMKIeUWqs2q3N5Q-eQU/s/778057492/br/122094850900-l">
<span style="color:#14506E">OMS</span></a> or on your <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMjgsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL01lbWJlci1Bbm51YWwtU3RhdGVtZW50LUZBUXMuYXNweCJ9.8-5bnfLMoVIY0lf_s7u6EmtoopN9XLDiToolnEBd4Oc/s/778057492/br/122094850900-l">
<span style="color:#14506E">member annual statement</span></a> and getting benefit estimates can help you avoid delays in the processing of your application. If you find errors in your personal/account information, contact your employer for corrections.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l0 level1 lfo6;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMjksInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvTUVNL1BhZ2VzL1doYXQtaXMtdGhlLUlBUC5hc3B4In0.DAcvDidp_kbNjIMq-H7P01lm64s-lxJw7dd4V0Fg_D0/s/778057492/br/122094850900-l" target="_blank"><span style="color:#14506E">Individual
Account Program</span></a> (IAP) retirement benefits can typically take from 90 to 120 days to process and complete payments or rollovers. Processing is done both by PERS and Voya, which administers the IAP for PERS.<o:p></o:p></span></li></ul>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">If you have questions,
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMzAsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvUGFnZXMvQ29udGFjdC1Vcy5hc3B4In0.meu6HOlGFqXkL6M3pDkFLZ89wAume2n-QmvR3TfSrAs/s/778057492/br/122094850900-l">
<span style="color:#14506E">contact Member Services</span></a> for assistance.<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-665c4f49-c504-4f93-a936-d9f5e5b2baf0">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:#FFF4DC;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-4f6f7218-1bb8-473b-beb9-e0de60858965">
<div id="abe-column-block-4f6f7218-1bb8-473b-beb9-e0de60858965-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<h1 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">Building reopening and COVID-19 updates<o:p></o:p></span></h1>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<!--[if gte vml 1]><v:shape id="Picture_x0020_9" o:spid="_x0000_s1026" type="#_x0000_t75" alt="COVID-19 image" style='position:absolute;margin-left:0;margin-top:0;width:131.25pt;height:58.5pt;z-index:251665408;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:3.5pt;mso-wrap-distance-top:0;mso-wrap-distance-right:3.5pt;mso-wrap-distance-bottom:0;mso-position-horizontal:left;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f">
<v:imagedata src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215457/3840124/covid-pop-cherry_crop.jpg" />
<w:wrap type="square" anchory="line"/>
</v:shape><![endif]--><![if !vml]><img width="175" height="78" style="width:1.8194in;height:.8125in" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5215457/3840124/covid-pop-cherry_crop.jpg" align="left" hspace="5" alt="COVID-19 image" v:shapes="Picture_x0020_9"><![endif]><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">PERS
headquarters building in Tigard will reopen to the public on January 3, 2022. You can keep up to date about PERS’ operations as COVID-19 pandemic restrictions evolve via
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMzEsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvUGFnZXMvTmV3cy9DT1ZJRC0xOS5hc3B4In0.h2Et46gY-LQUuZ4-BtW8Y3gD98n-ur-AsmUS-5eEjiU/s/778057492/br/122094850900-l">
<span style="color:#14506E">updates on our website</span></a> and <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMzIsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3B1YmxpYy5nb3ZkZWxpdmVyeS5jb20vYWNjb3VudHMvT1JQRVJTL3N1YnNjcmliZXIvbmV3In0.5NxOVxiLsA32UGl49nbP3YhZmeQkkYM3qulbZ3NVhlk/s/778057492/br/122094850900-l">
<span style="color:#14506E">GovDelivery emails</span></a>. <o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-474e2311-6b7e-424b-8b51-c94be33c9f44">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:white;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:11.25pt 11.25pt 0in 11.25pt">
<div id="abe-column-block-88408f35-7f14-4a08-bae8-94f4dca51e71">
<div id="abe-column-block-88408f35-7f14-4a08-bae8-94f4dca51e71-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<div>
<div>
<div>
<div>
<h2 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:16.5pt;font-family:"Helvetica",sans-serif;color:#14506E">Sign up for GovDelivery email or text updates<o:p></o:p></span></h2>
</div>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-b0ef9160-361a-4941-96ea-aa2f98d13ee1">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:white;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="300" valign="top" style="width:225.0pt;padding:0in 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-41b53321-dd68-4f54-9edb-8ca6df8f6ffc">
<div id="abe-column-block-41b53321-dd68-4f54-9edb-8ca6df8f6ffc-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:black">You can get alerts on topics that include:<o:p></o:p></span></p>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l6 level1 lfo7;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Member news and Perspectives<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l6 level1 lfo7;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Tax remedy notifications<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l6 level1 lfo7;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Variable account information<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l6 level1 lfo7;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">PERS Health Insurance Program<o:p></o:p></span></li></ul>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
<td width="300" valign="top" style="width:225.0pt;padding:0in 11.25pt 11.25pt 11.25pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%" id="abe-column-block-4bead232-9d69-4e36-871d-ddc66b8da186-outlook-only">
<div id="abe-column-block-4bead232-9d69-4e36-871d-ddc66b8da186">
<div id="abe-column-block-4bead232-9d69-4e36-871d-ddc66b8da186-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l4 level1 lfo8">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">Legislation affecting members<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l4 level1 lfo8;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">PERS Board meetings<o:p></o:p></span></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;margin-bottom:7.5pt;mso-list:l4 level1 lfo8;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">PERS administrative rulemaking<o:p></o:p></span></li></ul>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr>
<td style="padding:0in 0in 11.25pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<tbody>
<tr>
<td style="background:#14506E;padding:7.5pt 7.5pt 7.5pt 7.5pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<p class="MsoNormal" align="center" style="text-align:center"><span style="color:black"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMzMsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3B1YmxpYy5nb3ZkZWxpdmVyeS5jb20vYWNjb3VudHMvT1JQRVJTL3N1YnNjcmliZXIvbmV3In0.eSPYrR00oA8MJBcNuTLjpAlg0w9wUbN46fLTTKVLQrs/s/778057492/br/122094850900-l" target="_blank" title="SIGN UP FOR GOVDELIVERY"><strong><span style="font-size:13.0pt;font-family:"Helvetica",sans-serif;color:white;text-decoration:none">SIGN
UP FOR GOVDELIVERY</span></strong></a></span><o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-36a28c12-7078-4328-bdbc-417037243592">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:#FFB414;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:7.5pt 7.5pt 7.5pt 7.5pt">
<div id="abe-column-block-de40e872-27bf-493e-8fe1-9e1861068000">
<div id="abe-column-block-de40e872-27bf-493e-8fe1-9e1861068000-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in"></td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-dd9700f6-0d06-4314-83e8-e30608944c0a">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:#666666;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="200" valign="top" style="width:150.0pt;padding:11.25pt 11.25pt 0in 11.25pt">
<div id="abe-column-block-cdf40ce1-b49d-4fc9-917b-fd008a604ed8">
<div id="abe-column-block-cdf40ce1-b49d-4fc9-917b-fd008a604ed8-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<p class="MsoNormal" align="center" style="text-align:center"><img border="0" width="170" height="149" style="width:1.7708in;height:1.5486in" id="_x0000_i1034" src="https://content.govdelivery.com/attachments/fancy_images/ORPERS/2021/11/5176328/pers_original.png" alt="Oregon PERS: 75 Years of Serving those who serve Oregon"><o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
<p style="mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white">Mailing address:</span></strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white"><br>
PERS<br>
PO Box 23700<br>
Tigard, OR 97281-3700<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white">Physical address:</span></strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white"><br>
11410 SW 68th Parkway Tigard, OR 97223<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white">Phone:</span></strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white"> 888-320-7377<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white">TTY:</span></strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white"> 503-603-7766<o:p></o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white">Phone lines open 8:30 a.m. to 5 p.m. Monday through Friday, except holidays.<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
<td width="400" valign="top" style="width:300.0pt;padding:11.25pt 11.25pt 0in 11.25pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%" id="abe-column-block-1e06f0f9-0fdc-49c9-9dfd-3f406266915f-outlook-only">
<div id="abe-column-block-1e06f0f9-0fdc-49c9-9dfd-3f406266915f">
<div id="abe-column-block-1e06f0f9-0fdc-49c9-9dfd-3f406266915f-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<h3 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:11.5pt;font-family:"Helvetica",sans-serif;color:white"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMzQsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvUGFnZXMvQWJvdXQtVXMuYXNweCJ9._yGHloHN8SpkEcKMfty0_93JP84ti8uJDg_B6WxHmhs/s/778057492/br/122094850900-l" target="_blank"><span style="color:white">About
PERS</span></a><o:p></o:p></span></h3>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white">We serve the people of Oregon by administering public employee benefit trusts to pay the right person the right benefit at the right time.<o:p></o:p></span></p>
<h3 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:11.5pt;font-family:"Helvetica",sans-serif;color:white"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMzUsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvcGFnZXMvYm9hcmQvcGVycy1ib2FyZC1pbmZvcm1hdGlvbi5hc3B4In0.UHadINjBEj81JsDHFtclnt81PxWzs9m3UR3Fqso1xTQ/s/778057492/br/122094850900-l" target="_blank"><span style="color:white">PERS
Board</span></a><o:p></o:p></span></h3>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white">Chair: Sadhana Shenoy<br>
Vice Chair: Lawrence Furnstahl<br>
Members: Stephen Buckley, Jardon Jaramillo, and John Scanlan<o:p></o:p></span></p>
<h3 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:11.5pt;font-family:"Helvetica",sans-serif;color:white">PERS leadership<o:p></o:p></span></h3>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white">Director: Kevin Olineck<br>
Deputy Director: Yvette Elledge-Rhodes<br>
Chief Financial Officer: Richard Horsford<br>
Chief Information Officer: Jordan Masanga<br>
Chief Compliance, Audit, and Risk Officer: Jason Stanley Chief Operations Officer: Sam Paris<o:p></o:p></span></p>
<h3 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:11.5pt;font-family:"Helvetica",sans-serif;color:white">For more information contact:<o:p></o:p></span></h3>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMzYsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvUGFnZXMvQ29udGFjdC1Vcy5hc3B4In0.9EwAZn2kkLqKh1X9G4WJ8oObrV5xJvST-x1dhX-mCYI/s/778057492/br/122094850900-l" target="_blank" title="How to contact PERS"><span style="color:white">PERS</span></a></span></strong><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white">
| <strong><span style="font-family:"Helvetica",sans-serif"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMzcsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5wZXJzaGVhbHRoLmNvbS9jb250YWN0LyJ9.vcyMYAa9mCKCLKoQmolY1r0zijtiXxSi2flOXEA1Mig/s/778057492/br/122094850900-l" target="_blank" title="How to contact PERS Health Insurance Program"><span style="color:white">PHIP</span></a></span></strong>
| <strong><span style="font-family:"Helvetica",sans-serif"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMzksInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3d3dy5vcmVnb24uZ292L3BlcnMvT1NHUC9QYWdlcy9Db250YWN0LVVzLmFzcHgifQ._AHI7wPQLIC4FFV3uBFZCA7fPKiRix-ZlAsH3i_rY6Q/s/778057492/br/122094850900-l" target="_blank" title="How to contact the Oregon Savings Growth Plan"><span style="color:white">OSGP</span></a></span></strong><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="600" style="width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0">
<tbody>
<tr id="abe-section-row-9456e1c0-6630-4db8-8cc0-1f7dce4ed373">
<td style="padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<div>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="max-width:6.25in;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="background:#666666;padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="600" valign="top" style="width:6.25in;padding:0in 11.25pt 11.25pt 11.25pt">
<div id="abe-column-block-2e818cbc-88ee-4e96-949b-f853aefcefdc">
<div id="abe-column-block-2e818cbc-88ee-4e96-949b-f853aefcefdc-padding">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<div>
<div>
<div class="MsoNormal" align="center" style="text-align:center">
<hr size="2" width="100%" align="center">
</div>
</div>
</div>
<p style="mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
<span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:white">Perspectives is published by the Oregon Public Employees Retirement System for the benefit of members and employers. It is emailed three times a year.<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
<td style="padding:15.0pt 0in 15.0pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%">
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<div id="mail_footer">
<p class="MsoNormal"><span lang="EN" style="display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="91%" style="width:91.92%;border-collapse:collapse">
<tbody>
<tr>
<td width="100%" style="width:100.0%;padding:.75pt .75pt .75pt .75pt">
<div class="MsoNormal" align="center" style="text-align:center">
<hr size="2" width="100%" align="center">
</div>
<p style="margin-bottom:12.0pt">Update your subscriptions, modify your password or email address, or stop subscriptions at any time on your
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxNDAsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3B1YmxpYy5nb3ZkZWxpdmVyeS5jb20vYWNjb3VudHMvT1JQRVJTL3N1YnNjcmliZXIvbmV3P3ByZWZlcmVuY2VzPXRydWUifQ.JnI13f58GUpkn8y-Kt2bPvzmqTng1xBYx6yjvro-Yec/s/778057492/br/122094850900-l">
Subscriber Preferences Page</a>. You will need to use your email address to log in. If you have questions or problems with the subscription service, please visit
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxNDEsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL2luc2lnaHRzLmdvdmRlbGl2ZXJ5LmNvbS9Db21tdW5pY2F0aW9ucy9TdWJzY3JpYmVyX0hlbHBfQ2VudGVyIn0.yGWZlrnQsHC-tto1Jv_375EKWEf63c1RuzTFMbb2O-0/s/778057492/br/122094850900-l">
Help</a>.<o:p></o:p></p>
<p style="margin-bottom:12.0pt">This service is provided to you by <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxNDIsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwOi8vd3d3Lm9yZWdvbi5nb3YvUEVSUy9QYWdlcy9pbmRleC5hc3B4In0.5tvnwMCNU3LIGG2NHByNruN4L3adjGSQ8GSHHBedjfM/s/778057492/br/122094850900-l">Oregon
PERS</a>.<o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
</div>
</div>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td valign="top" style="padding:0in 7.5pt 0in 7.5pt">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" align="right" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td colspan="2" valign="top" style="padding:7.5pt 0in 0in 0in">
<div class="MsoNormal" align="center" style="text-align:center">
<hr size="2" width="100%" align="center">
</div>
</td>
</tr>
<tr>
<td valign="top" style="padding:7.5pt 3.75pt 7.5pt 0in">
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Arial",sans-serif;color:#757575">This email was sent to
<a href="mailto:shauna.m.tobiasson@oregon.gov">shauna.m.tobiasson@oregon.gov</a> using GovDelivery Communications Cloud on behalf of: Oregon Public Employees Retirement System · 11410 SW 68th Parkway · Tigard, OR 97223</span>
<o:p></o:p></p>
</td>
<td width="95" valign="top" style="width:71.25pt;padding:7.5pt 0in 0in 0in">
<p class="MsoNormal" align="right" style="text-align:right"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxNDMsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMTEyMDIuNDk2Mzk3NjEiLCJ1cmwiOiJodHRwczovL3N1YnNjcmliZXJoZWxwLmdyYW5pY3VzLmNvbS8ifQ.ibdHZZmvKHKglRP_y8ATaF9M37pSCalM4LYFIWDrfVo/s/778057492/br/122094850900-l" target="_blank"><span style="text-decoration:none"><img border="0" width="115" height="29" style="width:1.1944in;height:.3055in" id="_x0000_i1033" src="https://content.govdelivery.com/images/govd-logo-dark.png" alt="GovDelivery logo"></span></a><o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal"><span lang="EN"><img border="0" width="1" height="1" style="width:.0069in;height:.0069in" id="_x0000_i1032" src="https://links.govdelivery.com/track?enid=ZWFzPTEmYnVsbGV0aW5yZWNpcGllbnRpZD0xMjIwOTQ4NTA5MDAtbCZzdWJzY3JpYmVyaWQ9Nzc4MDU3NDkyJm1zaWQ9JmF1aWQ9Jm1haWxpbmdpZD0yMDIxMTIwMi40OTYzOTc2MSZtZXNzYWdlaWQ9TURCLVBSRC1CVUwtMjAyMTEyMDIuNDk2Mzk3NjEmZGF0YWJhc2VpZD0xMDAxJn"></span><span lang="EN"><o:p></o:p></span></p>
</div>
</body>
</html>