<div dir="ltr"><table width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#ffffff" style="border-collapse:collapse;color:rgb(0,0,0);font-family:"Times New Roman";font-size:medium;text-align:center;background-image:initial;background-position:initial;background-size:initial;background-repeat:initial;background-origin:initial;background-clip:initial;margin-left:auto;margin-right:auto;table-layout:auto"><tbody><tr><td width="100%" align="center" valign="top" style="width:793px"><div align="center" style="margin-left:auto;margin-right:auto;max-width:100%"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td align="center" valign="top" style="padding:16px 0px"><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;table-layout:fixed;max-width:610px;width:580px"><tbody><tr><td align="center" valign="top" style="font-family:Verdana,Geneva,sans-serif;color:rgb(93,93,93);padding:4px 0px"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse;table-layout:fixed;color:rgb(0,0,0);font-family:"Times New Roman";min-width:100%"><tbody><tr><td align="center"><div style="background-color:rgb(209,230,209)"><table width="100%" border="0" cellpadding="0" cellspacing="0" bgcolor="#D1E6D1" style="border-collapse:collapse;table-layout:auto"><tbody><tr><td align="center"><table width="610" align="center" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;table-layout:fixed;width:610px"><tbody><tr><td align="center" valign="top" style="padding:15px 5px"><table width="100%" align="center" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td align="center" valign="top" bgcolor="#869198" style="background-color:rgb(134,145,152);padding:0px"><table width="100%" align="center" border="0" cellpadding="0" cellspacing="0" bgcolor="#869198" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td align="center" valign="top" bgcolor="#ffffff" style="background-color:rgb(255,255,255);padding:0px"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td width="100%" align="left" valign="top"><div><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td align="center" valign="top"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td width="100%" align="center" valign="top" style="padding-bottom:10px;height:1px;line-height:1px"><div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display:block;height:1px;width:5px"></div></td></tr></tbody></table></td></tr></tbody></table></div></td></tr></tbody></table><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td width="100%" align="left" valign="top" bgcolor="#A3CDA2" style="background-color:rgb(163,205,162)"><div><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td align="left" valign="top" style="font-family:Arial,Verdana,Helvetica,sans-serif;font-size:20px;text-align:center;display:block;line-height:1.2;font-weight:bold;padding:10px 20px"><div style="color:rgb(255,255,255)"></div><div><div><div><span style="font-size:28px"><font color="#274e13">Teachers Retirement Services</font></span></div></div></div></td></tr></tbody></table></div></td></tr></tbody></table><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td width="100%" align="left" valign="top"><div><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td align="center" valign="top"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td width="100%" align="center" valign="top" style="padding-bottom:10px;height:1px;line-height:1px"><div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display:block;height:1px;width:5px"></div></td></tr></tbody></table></td></tr></tbody></table></div></td></tr></tbody></table><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td align="left" valign="top" bgcolor="#ffffff" style="padding:0px 20px"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td width="100%" align="left" valign="top" bgcolor="#FFFFFF"><div><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td align="center" valign="top"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td width="100%" align="center" valign="top" style="padding-bottom:10px;height:1px;line-height:1px"><div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display:block;height:1px;width:5px"></div></td></tr></tbody></table></td></tr></tbody></table></div><div><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td align="left" valign="top" style="font-family:Arial,Verdana,Helvetica,sans-serif;line-height:1.2;font-size:14px;display:block;padding:10px 20px"><div style="color:rgb(23,43,77)"></div><div><div><div style="color:rgb(23,43,77)"><span style="color:rgb(0,0,0)">Hello,</span></div><div style="color:rgb(23,43,77)"><br></div><div align="center" style="text-align:center">Each year, as an employee of Texas A&M University- Commerce, you are eligible to sit down one-on-one with a licensed representative to answer your specific state, federal, and individual retirement questions.</div><div align="center" style="color:rgb(23,43,77);text-align:center"><br></div><div align="center" style="color:rgb(23,43,77);text-align:center"><br></div><div align="center" style="color:rgb(23,43,77);text-align:center"><span style="color:rgb(0,0,0);font-weight:bold;font-style:italic">We believe financially planning ahead creates the best opportunity for a comfortable retirement.</span><span style="color:rgb(0,0,0);font-weight:bold"> </span></div><div align="center" style="color:rgb(23,43,77);text-align:center"><br></div><div align="center" style="color:rgb(23,43,77);text-align:center"><br></div><div style="color:rgb(23,43,77)"><span style="color:rgb(0,0,0)">Key topics we are here to assist with:</span></div><ul style="color:rgb(23,43,77);padding:0px;margin:0px 0px 0px 40px"><li style="padding:0px;margin:0px;line-height:1.2;color:rgb(0,0,0)">Obtain an estimate of what you could expect at the time of retirement.</li><li style="padding:0px;margin:0px;line-height:1.2;color:rgb(0,0,0)">Calculate how you can maximize your pension, and decide the best age for you to retire.</li><li style="padding:0px;margin:0px;line-height:1.2;color:rgb(0,0,0)">Learn how you can save money through district-approved plans (403B) to cover the shortfall you will face at retirement.</li><li style="padding:0px;margin:0px;line-height:1.2;color:rgb(0,0,0)">Review any existing 403B accounts you may have, and answer any questions regarding your retirement account.</li></ul></div></div></td></tr></tbody></table></div></td></tr></tbody></table></td></tr></tbody></table><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td width="100%" align="left" valign="top"><div><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td align="center" valign="top"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td width="100%" align="center" valign="top" style="padding-bottom:10px;height:1px;line-height:1px"><div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display:block;height:1px;width:5px"></div></td></tr></tbody></table></td></tr></tbody></table></div></td></tr></tbody></table><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td width="100%" align="left" valign="top"><div><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td align="left" valign="top" style="font-family:Arial,Verdana,Helvetica,sans-serif;font-size:14px;color:rgb(64,63,66);display:block;line-height:1.2;padding:10px 20px"><div></div><div><div><div align="center" style="text-align:center"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__districtplanning-2Ddot-2Dyamm-2Dtrack.appspot.com_16J4Lo-2DzFo5pOIrTe0jkw9uzOdgcbi4Fl2Fr0n82e7jsgtWeLgAHovm-5FavZrB2ZAa7m81WL7HjYz207eRoz5sMLBZXhMLhK8hw8HDW6LHX4mP1mHyn6n88RLNtW4lB0t3xYHDDY30aCF-2D3971jCzEt80&d=DwMFaQ&c=oqyuZuih6ykib6aKiBq22_bich4AVfYGoLertJN0bEc&r=hjwEO_XYlnwAQWUGeaCrW47w4mK-Al28-BKyRvaivBs&m=qcukD0LQME2E-2BRBzgzDBvm0wGZ3ctNUWCybsga0sY5utf6yZOsWaKuTzO4iPrh&s=1qQRmfT7HQjddJwXpirSSRypoV5TPt2diEPdV8KwUT8&e=" rel="nofollow" target="_blank">Click</a><span style="color:rgb(0,0,0)"> the button below to update your information and select the date that works best for you to meet a licensed agent through Zoom Meetings.</span></div></div></div></td></tr></tbody></table></div></td></tr></tbody></table><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td width="100%" align="" valign="top"><div><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;width:600px;min-width:100%"><tbody><tr><td style="font-family:Arial,Verdana,Helvetica,sans-serif;font-size:14px;color:rgb(255,255,255);padding:10px 20px"><table style="border-collapse:collapse;table-layout:fixed;width:560px;min-width:100%"><tbody><tr><td align="center" valign="top" style="font-family:Arial,Verdana,Helvetica,sans-serif;padding:0px"><table border="0" cellpadding="0" cellspacing="0" bgcolor="387B37" style="border-collapse:collapse;table-layout:fixed;background-color:rgb(56,123,55);width:initial;border-radius:5px;border-spacing:0px;min-width:initial;padding:0px;border:none"><tbody><tr><td align="center" valign="top" style="font-family:Arial,Verdana,Helvetica,sans-serif;padding:9px 15px 10px"><div><div><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__districtplanning-2Ddot-2Dyamm-2Dtrack.appspot.com_1eeIO0cLfO0LkssudtYdgqIvAa3Tnced1SeP89jkIBkEhtWeLgAEljCiN0oJl1VlBMEWeS69xBoPL-5FecAHBYb32Uxfv2eDKv9Wu6t25s2wgkPeGBq3jFPnGIXpQ1IVCHh22ux9y9XQXCFG0hM0qvhF74&d=DwMFaQ&c=oqyuZuih6ykib6aKiBq22_bich4AVfYGoLertJN0bEc&r=hjwEO_XYlnwAQWUGeaCrW47w4mK-Al28-BKyRvaivBs&m=qcukD0LQME2E-2BRBzgzDBvm0wGZ3ctNUWCybsga0sY5utf6yZOsWaKuTzO4iPrh&s=vgCnlKgL8LAgJ83Lsu7RzYAYJMTo5FDZuEJEP1EURIc&e=" rel="nofollow" target="_blank"><font color="#000000">Click Here!</font></a></div></div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></div></td></tr></tbody></table><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td width="100%" align="left" valign="top"><div><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td align="center" valign="top"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td width="100%" align="center" valign="top" style="padding:9px 0px"><table cellpadding="0" cellspacing="0" border="0" align="center" style="border-collapse:collapse;table-layout:fixed;height:1px;width:558px;min-width:93%"><tbody><tr><td height="1" align="center" bgcolor="#869198" style="border-bottom-style:none;height:1px;line-height:1px;padding-bottom:0px;background-color:rgb(134,145,152)"><div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display:block;height:1px;width:5px"></div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></div></td></tr></tbody></table><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td width="100%" align="left" valign="top"><div><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed;min-width:100%"><tbody><tr><td align="left" valign="top" style="font-family:Arial,Verdana,Helvetica,sans-serif;color:rgb(64,63,66);display:block;line-height:1.2;padding:10px 20px"><div style="font-size:14px"></div><div><div><div><span style="font-size:14px"> </span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__districtplanning-2Ddot-2Dyamm-2Dtrack.appspot.com_1anR75-2D-5Fgaz28ZjilitSB4YehMQL0Te5e1MCpONwJH54itWeLgAFqC3A4xrGj1ahGDgTp0x54R7IUIXeAZERzMje-5FKjrxR6LVfZKDxMgoRhVFr-2DywVaH5tuhNvhGz4xhtYzYSrxHMPwex7H7v6yr6WGU&d=DwMFaQ&c=oqyuZuih6ykib6aKiBq22_bich4AVfYGoLertJN0bEc&r=hjwEO_XYlnwAQWUGeaCrW47w4mK-Al28-BKyRvaivBs&m=qcukD0LQME2E-2BRBzgzDBvm0wGZ3ctNUWCybsga0sY5utf6yZOsWaKuTzO4iPrh&s=F8dYgbe8CKRjnkIJfyWHi87FGyUSpVLlw74BixfFBcA&e=" rel="nofollow" style="font-size:14px" target="_blank">Evening Times</a></div></div></div></td></tr></tbody></table></div></td></tr></tbody></table><br></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></div></td></tr><tr><td></td></tr></tbody></table><table width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#ffffff" style="border-collapse:collapse;color:rgb(0,0,0);font-family:"Times New Roman";background-image:initial;background-position:initial;background-size:initial;background-repeat:initial;background-origin:initial;background-clip:initial;margin-left:auto;margin-right:auto;table-layout:auto"><tbody><tr><td width="100%" align="center" valign="top" style="width:793px"><div align="center" style="margin-left:auto;margin-right:auto;max-width:100%"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;table-layout:fixed"><tbody><tr><td align="center" valign="top" style="padding:16px 0px"><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;table-layout:fixed;max-width:610px;width:580px"><tbody><tr><td align="center" valign="top" style="font-family:Verdana,Geneva,sans-serif;color:rgb(93,93,93);padding:4px 0px"><span style="font-size:12px">TRS | </span><span style="font-size:12px">2481 E CANAL DR, </span><span style="font-size:12px"></span><span style="font-size:12px"></span><span style="font-size:12px">TURLOCK, CA 95380-4401<br></span><font size="1"><span style="color:rgb(64,63,66);font-family:Arial,Verdana,Helvetica,sans-serif;font-weight:700;text-align:-webkit-left">TRS </span><font style="color:rgb(64,63,66);font-family:Arial,Verdana,Helvetica,sans-serif;font-weight:700;text-align:-webkit-left">Appts. is not associated with the Teacher Retirement System of Texas.</font></font><span style="font-size:12px"><br></span><span style="box-sizing:border-box;font-weight:700;color:rgb(55,61,77);font-family:"Helvetica Neue",Helvetica,Arial,sans-serif"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__districtplanning-2Ddot-2Dyamm-2Dtrack.appspot.com_17VAbxi80yd1R6jkCFZLCRg-2DPI5vyGe67M8NyappxyiEktWeLgAF301TUq0jaZdKUSVVukBHRkHkwTJhD9FgZ5RTcixN0yEH8Ripe-5FL8CicoZVOmLIYxQ5DEt-2DVCUmBL0twZSIcRMIyTKXYbSZoiKc8zPXKaYX-2DP8Ys9v-2DA&d=DwMFaQ&c=oqyuZuih6ykib6aKiBq22_bich4AVfYGoLertJN0bEc&r=hjwEO_XYlnwAQWUGeaCrW47w4mK-Al28-BKyRvaivBs&m=qcukD0LQME2E-2BRBzgzDBvm0wGZ3ctNUWCybsga0sY5utf6yZOsWaKuTzO4iPrh&s=2AeHeg4HgJN3G8YwU3Z6nefO2bxXxizZt_vCohdMrmE&e=" rel="nofollow" target="_blank"><font size="1">Unsubscribe</font></a></span></td></tr></tbody></table></td></tr></tbody></table></div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></div></td></tr></tbody></table></div>
<img src="https://districtplanning-dot-yamm-track.appspot.com/1sGd3aMWCBj8M6yEZ7pF-v6Ox18HWhtbKNWMeLMsPFYQetWeLgAEbqhYl-RMNQg2pDeZULLduEI_X6EEVaV8Gbn2G71c8R7KqycJgMlvu6HNWAkXCjlLjOVE" width="1" height="1" alt="beacon" style="display:none; display:none!important;">