evolution The of your Yale University Retirement Program

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1 evolution The of your Yale University Retirement Program

2 Evolving the Yale University Retirement Program Table of contents One provider, more options...3 What to expect...8 Key dates...11 Frequently asked questions...12 Yale University Retirement Program Investment Menu...17 Yale University Retirement Program Transfer Strategy Contact information Call or visit www1.tiaa-cref.org/tcm/yale for more for more information. information. All photos by Michael Marsland/Yale University.

3 One provider, more options campus, expand online tools and phone support, reduce fees for many participants, and allow a new In the Spring, the current plans will be combined into the Yale University Retirement Program, which will allow you to access all of Yale s investment options and manage your retirement plan in one location. The University has selected TIAA-CREF, a Yale retirement provider since 1920, to serve as the single recordkeeper of the Yale University Retirement Program. Lower pricing on many existing investments... with Vanguard University Retirement Program at TIAA-CREF will have lower fees. If you are invested in any of these funds, you will automatically qualify for the lower-cost the lower-cost share class. A lower-cost share class means that less of your money goes to investment fees. As a result, you keep a larger portion of the potential returns generated by each fund. While returns cannot be guaranteed, paying lower fees may help you reach your retirement goals faster. with TIAA-CREF accounts to the Yale University Retirement Program. Prior to this change you will receive an information package regarding the new classes and their lower expenses. The change in the CREF accounts is unrelated to the transition of recordkeeping services to TIAA-CREF. No action is required to move current CREF investments to the new reduced-expense CREF options. How does a lower-cost share class save you money? A reduction of 0.10% in mutual fund fees would result in annual savings of $10 each year for every $10,000 invested. If your account is worth $100,000, you would save approximately $100 a year in mutual fund fees. These savings can add up over time. Please keep in mind that lower expenses do not mean higher returns. *The Yale University Retirement Program includes the Yale University Retirement Account Plan (YURAP), the Yale University Tax-Deferred 403(b) Savings Plan, the Yale University Matching Retirement Plan and the Yale University 457(b) Deferred Compensation Plan. Call or visit for more information. 3

4 One provider, more options all the Retirement Program s investments. All Vanguard mutual funds will mutual funds and annuities and Vanguard mutual funds through TIAA-CREF. You will also have the convenience of making investment choices on one system, plus access to a dedicated Yale call center. Please. The addition of a Roth option to the Program Later this Summer, the Yale University Retirement Program s 403(b) Plans* to your current pre-tax contributions, you can designate some of your contributions as after-tax Roth contributions. And, if you satisfy certain program and tax law requirements, the Roth money you withdraw at information and consult your tax advisor to determine if the Roth feature is right for you. Through the Yale University Retirement Program More convenience Managing your retirement account will be easier. You will have a consolidated view of all your Yale University Retirement Program investments, with one statement and one website to manage Vanguard investments. 4 Call or visit for more information. * The Yale University Retirement Account Plan (YURAP), the Yale University Tax-Deferred 403(b) Savings Plan and the Yale University Matching Retirement Plan.

5 One place to manage your investments your account. You will see all your TIAA-CREF and Vanguard investments, and get the latest fund performance data for each of your investment choices from one site. future investments on or after Visit and log in to your secure account or register for online access. Click on the Manage My Portfolio tab, choose Change Allocation of Contributions for each account you want to update, then follow the steps to reallocate. existing investments on or after Visit and log in to your secure account or register for online access. Click on the Manage My Portfolio tab, choose Change Investments for each account you want to update, then follow the steps to reallocate. To learn more about these updates for more information about these upcoming events. Visit for information on the Yale University Retirement Program, including a current schedule of on-site events and workshops. Review the investment options and decide if your current investment strategy and allocations are appropriate for you. Call or visit for more information.

6 HOW TO REGISTER FOR SECURE ONLINE ACCESS You can update your account at Click on Register, then select Register for Online Access to establish your user ID and password. FOR ASSISTANCE WITH SETTING UP A USER ID AND PASSWORD Call TIAA-CREF at , Monday through Friday, 6 Call or visit for more information.

7 One provider, more options retirement planning journey Program s service is available as part of your retirement program at no additional cost. TIAA-CREF can help tailor your investment selections to your individual needs. Online tools your income needs in retirement. After logging in to your secure account at select the Advice and Guidance tab, then Retirement Advisor under Popular Tools & Calculators. You can receive personalized advice for all investment options, including the Vanguard funds, by phone or on campus. To schedule your session, call. Please note, Vanguard advisory services will no longer be available for your to TIAA-CREF advice services online or by scheduling an advice session with a TIAA-CREF consultant. In addition to managing your TIAA-CREF and Vanguard investment choices in one place, you can also use the 360 Financial View to help you manage your plan; or even your bank and credit accounts. You can get a complete picture alerts or manage a budget. Please note that this information is completely consultant only if you authorize it. Call or visit for more information. 7

8 8 Call or visit for more information. What to expect

9 What to expect for Vanguard participants It is important that you review your current elections and update if necessary. Your contribution asset allocation may change depending on which provider is currently receiving your contributions. If you are contributing 100% of your current salary deferral election (contribution amount) to TIAA-CREF, no change is required. If you are contributing 100% of your current salary deferral election (contribution amount) to Vanguard, your Vanguard asset allocation will be transferred to the TIAA-CREF platform. Future contributions will be as you previously directed. No change is required. If you are directing contributions to both Vanguard and TIAA-CREF, your asset allocation for each vendor will be blended for future contributions to the TIAA-CREF platform. This blended allocation will allow your contributions to continue as you currently have them directed. Additional information will be provided in the upcoming months. Two-step process Your Vanguard assets will be reregistered at TIAA-CREF. Your account will remain fully invested throughout the reregistration process. TIAA-CREF, that lower class will be applied so that you are immediately realizing the cost savings from the new investment menu. Please refer to the Vanguard Fund Transfer Strategy chart on page 21 for Call or visit for more information. 9

10 What to expect between March 24 to ensure it is accurate. your existing TIAA-CREF account(s) will determine the payment of all proceeds in the event of your death. This will include your Vanguard assets transferred to the TIAA-CREF recordkeeping platform. a new TIAA-CREF account(s) will be established for you during the week be transferred to TIAA-CREF. Once your Vanguard assets are transferred to the your TIAA-CREF account(s) will determine the payment of all proceeds in the event of your death. this waiver will not be carried over to the new TIAA-CREF platform. To waive your spouse s rights to any assets in your account, spousal waiver section, and return it to TIAA-CREF. and Log In or Register. On the Manage My Portfolio tab, choose under the Quick Links heading. To update your account The Vanguard asset and data transfer and systems updates are expected to be completed by mid-april. You should review your account and, if necessary, take action. You can receive assistance with your account by contacting TIAA-CREF at, Monday through Advice Session. Schedule a One-on-One Advice Session with a TIAA-CREF consultant to get individual retirement program advice. To schedule your session, call , Monday through Friday, 8 a.m. 8 p.m. (ET). Or visit 10 Call or visit for more information.

11 Key dates Key dates Starting the week of Event Town Hall meetings and information sessions begin. Receive information about the expanded Yale University Retirement Program, full investment lineup, share class changes and the Roth feature. You can see the schedule at Vanguard funds will be added to the Yale University Retirement Program investment lineup on the TIAA-CREF recordkeeping platform. TIAA-CREF participants may begin investing in these new choices. Participants with Vanguard assets will receive a Welcome Kit for each new account created. Your Welcome Kit includes important information on making the most of your participation with TIAA-CREF. Quiet Period begins for Vanguard accounts. Requests for transactions such as directing or diversifying assets, or obtaining a distribution must be submitted to Vanguard prior to this time to be processed. Requests received after 4 p.m. (ET) will not be processed. New requests can be accepted by TIAA-CREF when the Quiet Period ends. Additional information will be mailed to you in the upcoming weeks. Existing Vanguard assets will be transferred in kind, or reregistered, on the TIAA-CREF platform. Your account will remain fully invested through the transfer process and you containing details of the transfer. Quiet Period for Vanguard assets ends. You can now access and update your entire retirement account at TIAA-CREF. All *Important note: The end of the Quiet Period depends on the accurate, timely transfer of assets and data from Vanguard to TIAA-CREF. If this does not occur, these dates may be delayed. For new TIAA-CREF participants To view or change your account: click Log In. and click Register, then select Register for Online Access to establish your user ID and password. Please note, TIAA-CREF participants can register at any time. If you are investing with Vanguard, you must wait until on or after March 24. Enter your TIAA-CREF user ID and password to access your account. Call or visit for more information. 11

12 Frequently asked questions 12 Call or visit for more information.

13 Frequently asked questions Why is Yale University consolidating the Retirement Program providers, TIAA-CREF and Vanguard? multiple programs with a single provider, TIAA-CREF. Please note, the Program s features are not changing. What is happening to my current TIAA-CREF and Vanguard retirement plans? Savings Plans into a single Yale University Retirement Program that will be recordkept by TIAA-CREF, but will include all of your Yale retirement investments from both TIAA-CREF How can I learn more about the new Yale University Retirement Program investment options? The complete investment menu is included in this package for your review. You can also visit the dedicated Retirement Program website at As with any investment information, please review this information carefully and if you have questions, contact the new dedicated line for Yale participants at How will my current Vanguard assets be transferred? share for share, to the new Yale University Retirement Program at TIAA-CREF without any. Refer to the Transfer Strategy on page 21 for detailed fund transfer the transfer. Will my Vanguard investments be sold as part of the transfer? No. Your investments will be transferred as mutual fund shares directly from Vanguard to the TIAA-CREF recordkeeping platform and will remain fully invested during the transfer process. Call or visit for more information. 13

14 Frequently asked questions Is there any period of time when I cannot make transactions? Yes, if you currently invest with Vanguard. Your account(s) will remain fully invested, however there will be a short period of time, the Asset Transfer Quiet Period, during which you will not be able Vanguard assets, obtaining a distribution from these plan assets, or any transfers or rollovers, for a hardship withdrawal must be received, in good order, by March 30 at 4 p.m. (ET). Requests received after this time will not be processed. New requests will be accepted by TIAA-CREF when the Quiet Period ends. How will allocations for future contributions be set up for my Vanguard investments? your contribution amount will be directed to the same Vanguard investments you currently have, unless you make a change or the fund is moving to a lower-cost share class. If your contributions are split between TIAA-CREF and Vanguard, please see page 9 for more information. from Vanguard to TIAA-CREF. You must resubmit them. To do so, please contact TIAA-CREF at What if I need help making investment choices? You can obtain personalized advice for all investment fund options, including the Vanguard funds. This service is available as part of your retirement program at no additional cost to you. You have the following options to access program advice: Online tools needs in retirement. Visit and click Log In. 14 Call or visit for more information.

15 and click Register, then select Register for Online Access to establish your user ID and password. After logging in to your secure account, select the Advice and Guidance tab and choose Retirement Advisor under Popular Tools & Calculators. You can receive personalized retirement plan investment advice over the phone or on campus. To schedule your session, call, Monday through Friday,. What should I expect from a TIAA-CREF One-on-One Advice Session? Advice sessions last approximately one hour. If possible, bring all your investment account statements, including any investments outside of the Yale University Retirement Program, and your most recent Social Security statement ( A TIAA-CREF Financial Consultant can Can I bring him/her to a meeting? Yes. You may bring your spouse, partner or guest to your individual counseling sessions. Will I pay any fees to invest in the Retirement Program? There are no fees to hold an account in the Yale University Retirement Program; however, individual Program will result in many investment options having lower fees. Certain investment options may have redemption fees, but there will be no redemption fees assessed due to the transition of assets What does a lower-cost share class mean for me? Investing in a fund with a lower-cost share class means that with less going to fees, you keep a higher percentage of the potential returns generated by each fund. While returns can t be guaranteed, paying lower fees can help you reach your retirement goals faster. For example, a reduction of 0.10% in mutual fund fees would result in annual savings of $10 each year for every $10,000 invested. If your account is worth $100,000, you would save approximately $100 a year in mutual fund fees. These savings can add up over time. Call or visit for more information.

16 Frequently asked questions than the ones I have now? Do they earn more or less? fund. The investment expenses of the new share class are lower, thereby giving your portfolio more I have now? a pro rata share of the fund s investment portfolio. Each share class has a unique ticker symbol and is registered with the Securities Exchange Commission (SEC) as a separate share class of the existing Are there any withdrawal restrictions from the Retirement Program? from employment, death or disability may be prohibited, limited and/or subject to substantial What if I am receiving a recurring payment from Vanguard? If you are currently receiving required minimum distributions or systematic withdrawals from your account at Vanguard, TIAA-CREF will use information provided by Vanguard to continue these recurring payments. Every attempt will be made to ensure that there will be no interruption in payments, and Vanguard as recordkept by TIAA-CREF. Roth feature. When will the Roth feature be available? A Roth after-tax contribution feature is being added to the three 403(b) Plans [Yale University Retirement Account Plan (YURAP), the Yale University Tax-Deferred 403(b) Savings Plan, and the Yale University Matching Retirement Plan] later this Summer. More information will be available soon. *Lower expenses do not necessarily translate into higher returns. 16 Call or visit for more information.

17 Yale University Retirement Program* Investment Menu to create a retirement portfolio that s aligned with your investment preferences and goals. You can see details about your investment choices at Click on Plans and Investments and then select Investment Choices to view the individual investment information. (Investment options appear in alphabetical order by asset type within each tier) Investment Name Ticker Symbol Asset Type Target Date Funds (Tier 1)** TIAA-CREF Lifecycle 2010 Fund - Institutional TCTIX Multi-Asset TCNIX Multi-Asset TIAA-CREF Lifecycle 2020 Fund - Institutional TCWIX Multi-Asset TCYIX Multi-Asset TIAA-CREF Lifecycle 2030 Fund - Institutional TCRIX Multi-Asset TCIIX Multi-Asset TIAA-CREF Lifecycle 2040 Fund - Institutional TCOIX Multi-Asset TTFIX Multi-Asset TFTIX Multi-Asset TTRIX Multi-Asset TIAA-CREF Lifecycle Retirement Income Fund - Institutional TLRIX Multi-Asset Lifetime Income Options (Tier 2) TIAA Traditional Annuity*** CREF Equity Index Account Variable Annuity Equities Variable Annuity Equities Variable Annuity Equities CREF Stock Account Variable Annuity Equities TIAA Real Estate Account Variable Annuity Real Estate CREF Bond Market Account Variable Annuity Fixed Income Variable Annuity Fixed Income CREF Money Market Account Variable Annuity Money Market CREF Social Choice Account Variable Annuity Multi-Asset ***Yale University Retirement Program includes the Yale University Retirement Account Plan (YURAP), the Yale University Tax-Deferred 403(b) Savings Plan, the Yale University Matching Retirement Plan and the Yale University 457(b) Deferred Compensation Plan. * ***TIAA Traditional Annuity is a guaranteed insurance contract and not an investment for federal securities law purposes. Any guarantees under annuities issued by TIAA are subject to TIAA s claims-paying ability. Call or visit for more information. 17

18 Yale University Retirement Program Investment Menu Investment Name Ticker Symbol Asset Type Mutual Funds (Tier 3) TIAA-CREF Equity Index Fund - Institutional TIEIX Equities Equities TIAA-CREF International Equity Index Fund - Institutional TCIEX Equities TIAA-CREF International Equity Fund - Institutional TIIEX Equities TILIX Equities TIAA-CREF Large-Cap Value Index Fund - Institutional TILVX Equities TIAA-CREF Large-Cap Value Fund - Institutional TRLIX Equities TRPWX Equities TIAA-CREF Mid-Cap Value Fund - Institutional TIMVX Equities TIAA-CREF Real Estate Securities Fund - Institutional TIREX Equities TISPX Equities TIAA-CREF Small-Cap Blend Index Fund - Institutional TISBX Equities TIAA-CREF Small-Cap Equity Fund - Institutional TISEX Equities TIAA-CREF Social Choice Equity Fund - Institutional TISCX Equities Vanguard Capital Opportunity Fund - Admiral VHCAX Equities Vanguard Capital Value Fund - Investor VCVLX Equities Vanguard Developed Markets Index Fund - Admiral Equities VDEQX Equities Equities Vanguard Emerging Markets Stock Index Fund - Institutional VEMIX Equities Vanguard Energy Fund - Admiral Equities Vanguard Equity Income Fund - Admiral VEIRX Equities Vanguard European Stock Index Fund - Institutional VESIX Equities Vanguard Explorer Fund - Admiral VEXRX Equities Vanguard Extended Market Index Fund - Institutional VIEIX Equities Vanguard FTSE Social Index Fund - Investor VFTSX Equities Equities Equities Equities Vanguard Health Care Fund - Admiral Equities Vanguard Institutional Index Fund - Institutional VINIX Equities Vanguard International Explorer Fund - Investor VINEX Equities 18 Call or visit for more information.

19 Investment Name Ticker Symbol Asset Type Mutual Funds (Tier 3) VWILX Equities Vanguard International Value Fund - Investor VTRIX Equities Vanguard Large-Cap Index Fund - Admiral VLCAX Equities Equities Vanguard Mid-Cap Index Fund - Institutional VMCIX Equities VMRAX Equities VPADX Equities Vanguard Precious Metals And Mining Fund - Investor Equities Vanguard PRIMECAP Core Fund - Investor VPCCX Equities Vanguard PRIMECAP Fund - Admiral VPMAX Equities Vanguard REIT Index Fund - Institutional Equities Vanguard Selected Value Fund - Investor VASVX Equities Equities Vanguard Small-Cap Index Fund - Institutional VSCIX Equities Vanguard Small-Cap Value Index Fund - Institutional VSIIX Equities Vanguard Strategic Equity Fund - Investor VSEQX Equities Vanguard Total International Stock Index Fund - Institutional VTSNX Equities Vanguard Total Stock Market Index Fund - Institutional VITSX Equities VWUAX Equities Vanguard U.S. Value Fund - Investor VUVLX Equities Vanguard Value Index Fund - Institutional VIVIX Equities Vanguard Windsor Fund - Admiral VWNEX Equities Vanguard Windsor II Fund - Admiral VWNAX Equities Vanguard Fund - Admiral VFIJX Fixed Income Vanguard High-Yield Corporate Fund - Admiral VWEAX Fixed Income VIPIX Fixed Income Vanguard Intermediate-Term Bond Index Fund - Institutional VBIMX Fixed Income VFIDX Fixed Income Vanguard Intermediate-Term Treasury Fund - Admiral VFIUX Fixed Income Vanguard Long-Term Bond Index Fund - Investor VBLTX Fixed Income VWETX Fixed Income Vanguard Long-Term Treasury Fund - Admiral VUSUX Fixed Income Call or visit for more information. 19

20 Yale University Retirement Program Investment Menu Investment Name Ticker Symbol Asset Type Mutual Funds (Tier 3) Vanguard Short-Term Bond Index Fund - Investor VBISX Fixed Income Vanguard Short-Term Federal Fund - Admiral Fixed Income VFSIX Fixed Income Vanguard Short-Term Treasury Fund - Admiral VFIRX Fixed Income Vanguard Total Bond Market Index Fund - Institutional VBTIX Fixed Income Vanguard Prime Money Market Fund - Institutional VMRXX Money Market Vanguard Balanced Index Fund - Institutional VBAIX Multi-Asset Vanguard Convertible Securities Fund - Investor VCVSX Multi-Asset Vanguard LifeS Multi-Asset Vanguard LifeS Multi-Asset Vanguard LifeStrategy Income Fund - Investor VASIX Multi-Asset Vanguard LifeS Multi-Asset Vanguard Star Fund - Investor Multi-Asset Vanguard Target Retirement 2010 Fund - Investor VTENX Multi-Asset VTXVX Multi-Asset Vanguard Target Retirement 2020 Fund - Investor VTWNX Multi-Asset VTTVX Multi-Asset Vanguard Target Retirement 2030 Fund - Investor VTHRX Multi-Asset VTTHX Multi-Asset Vanguard Target Retirement 2040 Fund - Investor VFORX Multi-Asset VTIVX Multi-Asset VFIFX Multi-Asset VFFVX Multi-Asset Vanguard Target Retirement 2060 Fund - Investor VTTSX Multi-Asset Vanguard Target Retirement Income Fund - Investor VTINX Multi-Asset Vanguard Wellesley Income Fund - Admiral VWIAX Multi-Asset Vanguard Wellington Fund - Admiral VWENX Multi-Asset IMPORTANT NOTE: Two Vanguard mutual funds, the Vanguard Admiral Treasury Money Market Fund (Ticker Symbol VUSXX) and Vanguard Federal Money Market Fund (Ticker Symbol VMFXX), were previously closed to new As a reminder, you may move assets out of the funds at any time, but no new investment will be allowed into either of these funds. 20 Call or visit for more information.

21 Yale University Retirement Program Transfer Strategy investment platform at TIAA-CREF. these funds, your current balances and future contributions will automatically be directed to the lower-cost share class of the same fund. percentage of the fund s assets, as of the most recent fund prospectus. contributions and transfer existing balances at any time, except during the Quiet Period. Vanguard Investment at Time of Asset Transfer Ticker Symbol Current Net Expense Ratio* Lower-Cost Share Class Vanguard Investment on TIAA-CREF Platform Ticker Symbol New Expense Ratio* Vanguard Balanced Index Fund - Investor VBINX 0.24% Vanguard Balanced Index Fund - Institutional VBAIX 0.08% Vanguard Developed Markets Index Fund - Investor VDVIX 0.20% Vanguard Developed Markets Index Fund - Admiral 0.09% Vanguard Equity Income Fund - Investor VEIPX 0.30% Vanguard Equity Income Fund - Admiral VEIRX 0.21% Vanguard European Stock Index Fund - Investor VEURX 0.26% Vanguard European Stock Index Fund - Institutional VESIX 0.09% Vanguard Explorer Fund - Investor VEXPX Vanguard Explorer Fund - Admiral VEXRX Vanguard Fund - Investor VFIIX 0.21% Vanguard Fund - Admiral VFIJX 0.11% Investor VQNPX 0.36% Admiral 0.26% 0.24% Institutional 0.08% Vanguard High-Yield Corporate Fund - Investor VWEHX 0.23% Vanguard High-Yield Corporate Fund - Admiral VWEAX 0.13% Vanguard Intermediate-Term Bond Index Fund - Investor VBIIX 0.20% Vanguard Intermediate-Term Bond Index Fund - Institutional VBIMX 0.07% Call or visit for more information. 21

22 Yale University Retirement Program Transfer Strategy Vanguard Investment at Time of Asset Transfer Ticker Symbol Current Net Expense Ratio* Lower-Cost Share Class Vanguard Investment on TIAA-CREF Platform Ticker Symbol New Expense Ratio* Vanguard Intermediate-Term VFICX 0.20% Vanguard Intermediate-Term VFIDX 0.10% Vanguard Intermediate-Term Treasury Fund - Investor VFITX 0.20% Vanguard Intermediate-Term Treasury Fund - Admiral VFIUX 0.10% Vanguard Large-Cap Index Fund - Investor VLACX 0.24% Vanguard Large-Cap Index Fund - Admiral VLCAX 0.09% Fund - Investor VWESX 0.22% Fund - Admiral VWETX 0.12% Vanguard Long-Term Treasury Fund - Investor VUSTX 0.20% Vanguard Long- Term Treasury Fund - Admiral VUSUX 0.10% Vanguard Mid-Cap Index Fund - Investor VIMSX 0.24% Vanguard Mid-Cap Index Fund - Institutional VMCIX 0.08% 0.39% VMRAX Investor VPACX 0.26% Admiral VPADX 0.12% Vanguard Short-Term Federal Fund - Investor 0.20% Vanguard Short-Term Federal Fund - Admiral 0.10% Fund - Investor VFSTX 0.20% Fund - Institutional VFSIX 0.07% Vanguard Short-Term Treasury Fund - Investor VFISX 0.20% Vanguard Short-Term Treasury Fund - Admiral VFIRX 0.10% Investor 0.24% Institutional 0.08% Vanguard Small-Cap Index Fund - Investor NAESX 0.24% Vanguard Small-Cap Index Fund - Institutional VSCIX 0.08% Vanguard Small-Cap Value Index Fund - Investor VISVX 0.24% Vanguard Small-Cap Value Index Fund - Institutional VSIIX 0.08% VWUSX 0.44% VWUAX 0.30% Vanguard Value Index Fund - Investor VIVAX 0.24% Vanguard Value Index Fund - Institutional VIVIX 0.08% *For the most recent prospectuses, please visit for more detailed information. To review the most recent fee disclosures for Yale s Plans, go to. 22 Call or visit for more information.

23 Contact TIAA-CREF Call the dedicated Yale call center at Online Visit to learn about the Program s investment choices, make transactions and access retirement planning tools. TIAA-CREF Financial Consultant. This service is available as part of your retirement program. To schedule a session, call Contact Yale University Call Yale Employee Services at You may also send an to. Online Visit Call or visit for more information. 23

24 Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not bank deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. Investment products may be subject to market and other risk factors. See the applicable product literature, or visit for details. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call , or go to for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New 730 Third Avenue, New York, NY C _464322

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