New opportunities for your retirement strategy. Announcing upcoming changes to the University of Southern California Retirement Plans

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1 New opportunities for your retirement strategy Announcing upcoming changes to the University of Southern California Retirement Plans

2 The University of Southern California is dedicated to helping you prepare for your retirement. As part of that effort, USC is making several changes to the retirement program, starting on March 1, Key Dates Friday, January 29, 2016 A transition guide from USC was distributed to you with full details explaining the upcoming changes to the USC Retirement Plans. Throughout March-April 2016 Come visit us on campus to learn more about the changes. Go to usc.edu/uscretire for details. Tuesday, March 1, 2016 The new USC investment menu takes effect. These choices, carefully selected for USC employees, may offer you flexibility to create a retirement strategy that matches your investment preferences and goals. See page 2 for more details. Tuesday, March 1, 2016 Self-Directed Brokerage accounts can be opened through TIAA-CREF. For more information on this, please review the details on page 5 of this guide. Friday, April 29, 2016 at 1 p.m. (PT) USC will transfer assets from some of the current investment options to the new investment options. See page 3 for more details. Beginning on April 29, 2016 Any contributions received after this date will reflect the mapped contributions. See page 3 for more information. During April and July Your quarterly statement reflecting the Plan changes will be available for review. A transition guide from USC was distributed to you with details on these changes. This guide is intended to help you understand the changes that are happening to the plan(s). There may be no action for you to take, depending on what investments you have in your plan(s). This is a great opportunity for you to review and reflect upon your investment strategy to be sure that it is set to help you achieve your retirement goals. What this means to you USC is updating the investment menu. The new investment options offer a wide array of specially selected investments from some of the leading providers. To see if any of your investments will be affected, you can view a recent statement, either online by logging in to tiaa-cref.org and clicking on Investments or Daily Statement, or in your paper records if you have them mailed quarterly to your home. USC is adding a new Self-Directed Brokerage account option through TIAA-CREF. The new investment options are designed to meet the needs of the vast majority of participants, but we are adding a brokerage option for participants whose situation calls for even more investment choices. As a TIAA-CREF participant, you can receive personalized advice on the plans investment options from a TIAA-CREF Financial Consultant. This service is available as part of your retirement program at no additional cost to you. Investment advice is available online, by phone or through a One-on-One Counseling session. Action plan for the changes Visit for information on the changes, to review the new investment options and to determine your investment strategy. Attend an information session and/or schedule a One-on-One Counseling session. To schedule an appointment, call , Monday to Friday, 5 a.m. to 5 p.m. (PT), or visit Review the changes to your accounts on your quarterly statements in April and July, or by logging in to your account at You may need to establish a login and password to view your TIAA-CREF account online. To do this, go to tiaa-cref.org and click on New User? Register. 1 Questions? Call or visit

3 New investment options menu, effective March 1, 2016 Beginning on March 1, 2016, you will be able to view details on the new menu online at You will be able to direct existing assets and/or future contributions to these options beginning at this time. Guaranteed TIAA Traditional Annuity 1 (fixed annuity) Money Market CREF Money Market Account R3 Fixed Income (Bonds) MainStay High Yield Corporate Bond R6 Metropolitan West Total Return Bond Plan PIMCO Real Return Instl Vanguard Total Bond Market Index I Vanguard Total Intl Bd Idx Institutional Wells Fargo Advantage Sh Dur Govt Bd R6 Multi-Asset CREF Social Choice Account R3 Income Institutional 2010 Institutional 2015 Institutional 2020 Institutional 2025 Institutional 2030 Institutional 2035 Institutional 2040 Institutional 2045 Institutional 2050 Institutional 2055 Institutional 2060 Institutional Real Estate TIAA Real Estate Account Equities (Stocks) American Funds EuroPacific Growth R6 CREF Stock Account R3 Eagle Mid Cap Growth R6 Goldman Sachs Small Cap Value Instl JHancock Disciplined Value R6 MFS Mid Cap Value R5 MFS International Value R5 Vanguard Capital Opportunity Adm Vanguard Emerging Mkts Stock Idx I Vanguard FTSE Social Index Inv Vanguard Institutional Index I Vanguard Mid Cap Index I Vanguard Small Cap Index I Vanguard Total Intl Stock Index I Wells Fargo Advantage Small Co Growth I William Blair Emerging Mkts Ldrs Instl Self-Directed Brokerage Services Symbol NA-Guaranteed Annuity Symbol QCMMIX Symbol MHYSX (new option) MWTSX (new option) PRRIX (new option) VBTIX (new option) VTIFX (new option) MSDRX (new option) Symbol QCSCIX VITRX (new option) VIRTX (new option) VITVX (new option) VITWX (new option) VRIVX (new option) VTTWX (new option) VITFX (new option) VIRSX (new option) VITLX (new option) VTRLX (new option) VIVLX (new option) VILVX (new option) Symbol QREARX Symbol RERGX QCSTIX HRAUX (new option) GSSIX (new option) JDVWX (new option) MVCKX (new option) MINJX (new option) VHCAX (new option) VEMIX (new option) VFTSX (new option) VINIX (new option) VMCIX (new option) VSCIX (new option) VTSNX (new option) WSCGX (new option) WELIX (new option) 1 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. All investment options listed in bold are new to the Plans as of March 1, Questions? Call or visit 2

4 Investment option mapping effective April 29, 2016 On April 29, 2016, your existing assets and/or future contributions to the investment options shown in the left column of the following tables will be transferred to the corresponding replacement options. If you currently are contributing to the following investment options: CREF Bond Market Account R3 CREF Equity Index Account R3 CREF Global Equities Account R3 CREF Growth Account R3 CREF Inflation-Linked Bond Account R3 If you currently have balances and/or are contributing to the following investment options: Symbol QCBMIX QCEQIX QCGLIX QCGRIX QCILIX Symbol American Funds Washington Mutual R-6 RWMGX TIAA-CREF International Eq Instl TIIEX TIAA-CREF Large-Cap Value Instl TRLIX TIAA-CREF Lifecycle Retirement Income Institutional TLRIX TIAA-CREF Lifecycle 2010 Institutional TCTIX TIAA-CREF Lifecycle 2015 Institutional TCNIX TIAA-CREF Lifecycle 2020 Institutional TCWIX TIAA-CREF Lifecycle 2025 Institutional TCYIX TIAA-CREF Lifecycle 2030 Institutional TCRIX TIAA-CREF Lifecycle 2035 Institutional TCIIX TIAA-CREF Lifecycle 2040 Institutional TCOIX TIAA-CREF Lifecycle 2045 Institutional TTFIX TIAA-CREF Lifecycle 2050 Institutional TFTIX TIAA-CREF Lifecycle 2055 Institutional TTRIX TIAA-CREF Mid-Cap Growth Instl TRPWX Your balances will remain where they are and future contributions will automatically be re-directed on April 29, 2016 into the following investment options: Symbol Metropolitan West Total Return Bond Plan MWTSX Vanguard Institutional Index I VINIX Mapped to Vanguard Target Date Fund by birth year. See page 4 for more information on this. Vanguard Capital Opportunity Adm VHCAX PIMCO Real Return Instl PRRIX Your balances and future contributions will automatically be re-directed on April 29, 2016 into the following investment options: Symbol JHancock Disciplined Value R6 JDVWX American Funds EuroPacific Growth R6 RERGX JHancock Disciplined Value R6 JDVWX Income Fund Institutional 2010 Institutional 2015 Institutional 2020 Institutional 2025 Institutional 2030 Institutional 2035 Institutional 2040 Institutional 2045 Institutional 2050 Institutional 2055 Institutional VITRX VIRTX VITVX VITWX VRIVX VTTWX VITFX VIRSX VITLX VTRLX VIVLX Eagle Mid Cap Growth R6 HRAUX TIAA-CREF Mid-Cap Value Instl TIMVX MFS Mid Cap Value R5 MVCKX TIAA-CREF Small-Cap Equity Instl TISEX Western Asset Core Plus Bond IS WAPSX Vanguard Small Cap Index I VSCIX Metropolitan West Total Return Bond Plan MWTSX 3 Questions? Call or visit

5 Reminder about current options that will not be mapped The following options will not be changing on April 29, 2016: Investment Option Name TIAA Traditional Annuity (fixed annuity) 1 CREF Money Market Account R3 CREF Social Choice Account R3 TIAA Real Estate Account American Funds EuroPacific Growth R6 CREF Stock Account R3 NA - Guaranteed Annuity QCMMIX QCSCIX QREARX RERGX QCSTIX Information regarding the Vanguard Target Date Retirement Funds Each Vanguard Target Date Retirement Fund consists of mutual funds that invest in a broad range of stocks and bonds. You will be invested in the fund that most closely matches the year you plan to retire (generally age 65). For example, if you will turn age 65 in 2044, your contributions would be directed to the Vanguard Target Date 2045 Retirement Fund. To help reduce risk as you move through your career and into retirement, the fund automatically readjusts the mix of stocks, bonds and other asset types to a more conservative mix as the fund s target date approaches. Keep in mind that as with all mutual funds, the principal value in a target date fund is not guaranteed. Also, please note that the target date of the Vanguard Target Date Retirement Fund is an approximate date when investors may plan to begin withdrawing from the fund.* Birth Year Investment Fund Name Symbol Income Institutional VITRX Institutional VIRTX Institutional VITVX Institutional VITWX Institutional VRIVX Institutional VTTWX Institutional VITFX Institutional VIRSX Institutional VITLX Institutional VTRLX Institutional VIVLX 1993 Present 2060 Institutional VILVX 1 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. * Target date funds share the risks associated with the types of securities held by each of the underlying funds in which they invest. In addition to the fees and expenses associated with the target date funds, there is exposure to the fees and expenses associated with the underlying mutual funds as well. Questions? Call or visit 4

6 The TIAA-CREF Self-Directed Brokerage account USC is adding a new Self-Directed Brokerage Services option to all your Plans: The new investment menu is designed to help meet the needs of the vast majority of participants. USC is adding the TIAA-CREF Self-Directed Brokerage account for retirement plans to provide participants a choice of thousands of mutual funds from many well-known fund families beyond the core investment options. 1 Please note, USC will not monitor the performance of the funds offered through the Brokerage account and TIAA-CREF does not offer investment advice for brokerage assets. TIAA-CREF will waive any of the transaction fees into the Self-Directed Brokerage account for a 90-day period, beginning on March 1, 2016, and ending on May 29, You can visit products-services/brokerage-services/commissions-fees, click on Brokerage Forms and then the Customer Account Agreement for a complete list of commissions and fees. Additionally, you may elect to maintain your existing account balances in the following funds below by utilizing a Self-Directed Brokerage account offered through your Plans. Should you choose to do so, your existing balances in the below referenced fund(s) will be transferred in-kind (share for share) to your newly established Brokerage account. Investment Option TIAA-CREF International Eq Instl TIAA-CREF Large-Cap Value Instl TIAA-CREF Mid-Cap Growth Instl TIAA-CREF Mid-Cap Value Instl TIAA-CREF Small-Cap Equity Instl TIIEX TRLIX TRPWX TIMVX TISEX In order to facilitate these transactions, you must open a Self-Directed Brokerage account between March 1, 2016 April 15, Upon successful establishment of your Self-Directed Brokerage account, TIAA-CREF will interpret this action as your intent to complete an in-kind transfer of the affected funds. The enrollment period to open a Brokerage account through TIAA-CREF will run from March 1, 2016 until April 15, 2016 at 1 p.m. (PT). Beginning on the week of April 25, 2016, TIAA-CREF will begin processing the transactions to move these balances and expect the transfer to be completed no later than April 28, Please note: During this period your account will continue to be invested, the actual transfer is expected to occur over a two-day period during which time you will be unable to direct or diversify these affected fund balances. It is easy to establish a TIAA-CREF Self-Directed Brokerage account within your USC Retirement Plan. You ll need to establish a separate brokerage account for each retirement account that you have (401(a), 403(b), 457(f), and/or 457(b)). continued 1 The brokerage account option is available to participants who maintain both a legitimate U.S. residential address (non P.O. Box) and a legitimate U.S. mailing address. Certain securities may not be suitable for all investors. Securities are not FDIC insured and are not a deposit or other obligation of or guaranteed by any bank or TIAA-CREF. Securities are subject to investment risk, including possible loss of the principal amount invested. By opening a brokerage account, you will be charged a commission on all transactions and other account-related fees in accordance with the TIAA-CREF Commission and Fee Schedule. Please visit click on Brokerage Forms and then the Customer Account Agreement for a complete list of commissions and fees. Other fees and expenses apply to a continued investment in the funds and are described in the fund s current prospectus. Investment products may be subject to market and other risk factors. See the applicable product literature, or visit for details. All investment options have expenses and other fees that can be found in the prospectuses at Some investment options may also have redemption or other fees and restrictions. 5 Questions? Call or visit

7 How to open a Self-Directed Brokerage account Step 1: Log in to your retirement account via secure access at From your account s home page, click on the Manage My Portfolio tab, and then select Change Investments (to transfer money from account balances) or Change Allocations of My Contributions (to change how your future contributions will be allocated). If you select Change Investments (to transfer money from account balances): Step 2: Select the plan in which you would like to establish the brokerage account. Step 3: Select the Effective Date. Step 4: Select the fund(s) from the Choose the Source Fund (Transfer form). Be sure to select the option button for Percent, Dollars, or Transfer All. Step 5: In the Choose the Destination Funds area, click on Open a Brokerage Account at the bottom of the screen. Complete and submit the brokerage application. If you select Change Allocations of My Contributions (to change how your future contributions will be allocated): Step 1: Select the plan in which you would like to establish the brokerage account. Step 2: Select the Effective Date. Step 3: Select the fund(s) and enter the percentage from the Choose Your Funds section. You should click on Open a Brokerage Account at the bottom of the screen. Complete and submit the brokerage application. It will take three business days for TIAA-CREF to establish the brokerage account. At that time your funds will be deposited into a brokerage money market account. You can then trade in the brokerage account by calling or by accessing Make a Trade from the Manage My Portfolio link at the top of tiaa-cref.org. A TIAA-CREF consultant can also help you enroll in your brokerage account. You can complete a phone application by calling A consultant will send you a pre-filled application for your signature. You can sign and return it in the envelope provided in the kit. Questions? Call or visit 6

8 Not sure where to begin? Meet with us to help you take the next step! To find out when TIAA-CREF is going to be on campus or to learn more about these changes, go to: You can also get personalized retirement plan advice on the plan s investment options from a TIAA-CREF Financial Consultant. This service is available by phone or in person as part of your retirement program. To schedule a session, call , Monday to Friday, 5 a.m. to 5 p.m. (PT), or visit Questions? Contact TIAA-CREF. Phone Call , Monday to Friday, 5 a.m. to 7 p.m. or Saturday, 6 a.m. to 3 p.m. (PT). Online Visit to learn about the program s investment choices, make transactions and access retirement planning tools. Distributions from 403(b) and 401(a) plans before severance from employment, death or disability may be prohibited, limited and/or subject to substantial tax penalties. Different restrictions may apply to other types of plans. 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. 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. TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations. Brokerage Services are provided by TIAA-CREF Brokerage Services, a division of TIAA-CREF Individual & Institutional Services, LLC Teachers Insurance and Annuity Association of America-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY C _ (01/16)

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