TIAA-CREF Asset Management. TIAA-CREF Global Equity Strategies. Combining discipline and innovation for investments that seek to consistently deliver

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1 TIAA-CREF Asset Management TIAA-CREF Global Equity Strategies Combining discipline and innovation for investments that seek to consistently deliver

2 A distinguished heritage of intelligent equity investing At TIAA-CREF, we ve been investing in equities for more than 60 years. During that time, we ve developed an investment approach that uses bottom-up fundamental and quantitative research to uncover the best ideas. And we ve seen results. Our judicious processes bring the maximum degree of expertise to bear on each investment decision. This helps us manage investments to keep expenses down and portfolios true to style, so we can meet the needs of investors with diverse goals, risk tolerances and time horizons. The experienced portfolio managers on the TIAA-CREF Global Equity Team invest with a long-term perspective, while taking advantage of near-term opportunities to help meet the desired investment objective. Today, our assets under management in equities alone have grown to more than $225 billion. 1 Proof that ingraining smart thinking in the process works Traditionally, many investors select their investments based on style, market segment or geography. TIAA-CREF recognized that clients might benefit from a professionally managed product that combines these strategies. In 1952, we developed the CREF Stock Account, the world s first variable annuity, creating a revolution in retirement planning by giving people access to equities in a portable pension product. The CREF Stock Account uses a multi-manager approach to provide exposure across geographies, investment styles and market capitalizations. The account frequently serves as a core equity holding for investors seeking a single, diversified equity strategy. Because every investor s needs are unique, we have built a suite of differentiated strategies to help them achieve their financial objectives. The CREF Stock Account is just one example of how our forward-thinking approach to investing contributes to our clients long-term investment success. 1 As of September 30, 2013.

3 We offer clients a broad spectrum of equity strategies, including diversified portfolios based on a wide range of market capitalizations and geographies.

4 Strategies as varied as the clients we serve It all starts with our clients. Everything we do has been developed with their goals in mind. It s why we offer a full range of equity strategies: actively managed, quantitatively managed and indexed across a variety of styles. We further diversify our investment universe by offering portfolios based on different investment styles, market capitalization sizes and geographic regions. And clients benefit from our commitment to controlling costs our fees are among the lowest in the industry. 2 TIAA-CREF portfolio management styles Actively Managed: Our portfolio management teams focus on individual stock selection, seeking stocks that offer an attractive risk/reward profile based on a fundamental analysis of the company s prospects for growth in earnings, revenues, cash flow and other relevant metrics. Quantitatively Managed: Combining proprietary multifactor quantitative models and fundamental analysis, our quantitative investment strategies seek to build portfolios that produce higher returns than their benchmark but with similar risk exposure. Indexed: Using industry-recognized quantitative models with proprietary enhancements, our management teams strive to replicate market indices and match benchmark performance before expenses. Intensive research sets us apart At the heart of TIAA-CREF s expertise in the equity investment markets is our centralized Global Equity Research Team: Over 40 expert industry analysts (average of 16 years of experience) More than 10 research associates Each analyst focuses on specific sectors, building expertise and a vast array of industry relationships. Our reputation as a world-class investor gives analysts ready access to companies and opportunities throughout the world. They go on site to companies, looking behind the numbers and gaining insight into a company s business. TIAA-CREF senior equity analysts also manage their own sector portfolios. This unique approach helps attract and retain top investment talent. It gives them a breeding ground for ideas as well as long-term incentive. Portfolio managers and analysts engage in an ongoing dialogue to ensure the best insights are leveraged in each equity fund offering. Together, they refine portfolios as the market evolves to provide investors with exposure to TIAA-CREF s best ideas. A smart answer to managing risk We institutionalized the practice of risk management long before it became popular in the investment industry. TIAA-CREF established an independent risk-management team that reports directly to the CEO. It has been their task to ensure everything we do as an organization is managed for risk exposure. From an equity investment standpoint, these risk controls help to ensure a consistent investment approach adhering to the funds investment guidelines. Each strategy is managed with clearly defined risk metrics, limiting the size of individual holdings, sector weightings and other risk factors. 2 Morningstar Direct, September 30, Based on Morningstar data, the expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. (70% are less than half their respective Morningstar Universe average and 60% are less than half their respective Morningstar Universe median.)

5 TIAA-CREF s range of equity strategies Our broad array of equity offerings have been developed with one goal in mind to help investors achieve better investment outcomes. U.S. Growth & Income Large-Cap Growth Large-Cap Growth Index Enhanced Large-Cap Growth Index Large-Cap Value Large-Cap Value Index Enhanced Large-Cap Value Index Mid-Cap Growth Mid-Cap Value Small-Cap Equity Small-Cap Blend Index U.S. (cont.) Equity Index S&P 500 Index CREF Stock 3 CREF Growth CREF Equity Index Developed (non-u.s.) International Equity International Equity Index Enhanced International Equity Index International Opportunities 4 Global CREF Global Equities Emerging Markets Emerging Markets Emerging Markets Equity Index Specialized Social Choice Equity Sector Real Estate Securities Global Natural Resources Experienced leadership in every facet of equity investing Delivering strong risk-adjusted returns over time requires intelligence and skill qualities embodied by our Global Equity Team. Members are seasoned professionals with extensive experience investing in the equity markets over many market cycles. Bill Riegel, CFA, leads the Global Equity Team along with a strong team of managers that average over 20 years of industry experience, the majority of it with TIAA-CREF. The members are responsible for specific areas within the global equity asset class: Thomas Franks, Managing Director, Head of Active Equity Portfolio Management and Quantitative Portfolio Management Hans Erickson, Managing Director, Head of Lifecycle Portfolio Management Saira Malik, Managing Director, Head of Global Equity Research Chetan Joglekar, Senior Trader, Acting Head of Trading A wide selection of quality equity strategies for a well-balanced portfolio Every investor has specific goals, time horizons and risk tolerance. TIAA-CREF offers consistent, time-tested processes and a disciplined approach that works to bring all clients the results they desire. To learn more about our equity offerings, contact your Relationship Manager or visit assetmanagement. 3 Strategy also invests in developed (non-u.s.) and emerging markets. 4 Strategy also invests in emerging markets. There is no guarantee that past results will continue in the future.

6 Portfolios are subject to certain risks such as market and investment style risk. Please consider all risks carefully before investing. Foreign investing involves certain risks, including currency fluctuations and controls, restrictions on foreign investments, less governmental supervision and regulation, less liquidity and the potential for market volatility and political instability. In addition, investing in emerging markets may involve a relatively higher degree of volatility. Investments in small- to medium-sized corporations are more vulnerable to financial risks and other risks than larger corporations and may involve a higher degree of price volatility than investments in the general equity markets. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call or log on to tiaa-cref.org for product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. TIAA-CREF Asset Management provides investment advice and portfolio management services to the TIAA-CREF group of companies through the following entities: Teachers Advisors, Inc., TIAA-CREF Investment Management, LLC, and Teachers Insurance and Annuity Association (TIAA ). Teachers Advisors, Inc., is a registered investment advisor and wholly owned subsidiary of Teachers Insurance and Annuity Association (TIAA). TIAA-CREF is the name commonly used to refer to the companion organization for TIAA and CREF. TIAA-CREF Individual & Institutional Services, LLC, and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products Teachers Insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY C _ A13272 (1/14)

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