The ratios provided here do not replace performance data, but are supplemental data intended to help investors analyze performance.

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1 3 & 5 Year Annualized & for the period ending Definitions: Excess Return (ER): a measure of an investment's annualized return in excess of a benchmark. (TE): a measure of the volatility of excess returns relative to a benchmark. (IR): a measure of excess annualized return per unit of risk. Disclosures: The ratios provided here do not replace performance data, but are supplemental data intended to help investors analyze performance. Performance data for each product showing the standardized 1, 5, 10-year and since inception returns can be found here: For mutual fund prospectuses, or for annuities the contract prospectus and, if applicable, the underlying funds' prospectuses visit the TIAA-CREF website at or call Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Payments from the variable annuity accounts [and mutual funds] are not guaranteed and will rise or fall based on investment performance. TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, 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 2015 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY C14979

2 3 & 5 Year Annualized & for the period ending Ratio Fund ID Bmk ID CREF Accounts CREF Bond Market Account Bloomberg Barclays Aggregate Bond Index CREF Equity Index Account Russell 3000 Index 5 NA 5 NA CREF Global Equities Account MSCI World Index CREF Growth Account Russell 1000 Growth Index CREF Inflation-Linked Bond Account Bloomberg Barclays TIPS 1-10 Year Index CREF Social Choice Account SCA Composite Index CREF Stock Account CREF Composite Index Retirement Share Class Funds Bond Fund Bloomberg Barclays Aggregate Bond Index Bond Index Fund Bloomberg Barclays Aggregate Bond Index 25 NA 21 NA Bond Plus Fund Bloomberg Barclays Aggregate Bond Index Emerging Markets Equity Fund MSCI Emerging Markets Index Emerging Markets Equity Index Fund MSCI Emerging Markets Index 138 NA 243 NA Equity Index Fund Russell 3000 Index 8 NA 9 NA Global Natural Resources Fund MSCI AC World Index Commodity Producers Sec. Cap. Index NA NA Growth & Income Fund S&P 500 Index High-Yield Fund BofA ML BB-B Cash Pay Issuer Constrained Index Inflation-Linked Bond Fund Bloomberg Barclays TIPS 1-10 Year Index International Equity Fund MSCI EAFE Index International Equity Index Fund MSCI EAFE Index 203 NA 227 NA International Opportunities Fund MSCI All Country World Index ex-usa NA NA Large-Cap Growth Fund Russell 1000 Growth Index Large-Cap Growth Index Fund Russell 1000 Growth Index 7 NA 8 NA Large-Cap Value Fund Russell 1000 Value Index Large-Cap Value Index Fund Russell 1000 Value Index 8 NA 9 NA Lifecycle 2010 Fund Lifecycle 2010 Fund Composite Index Lifecycle 2015 Fund Lifecycle 2015 Fund Composite Index Lifecycle 2020 Fund Lifecycle 2020 Fund Composite Index Lifecycle 2025 Fund Lifecycle 2025 Fund Composite Index Lifecycle 2030 Fund Lifecycle 2030 Fund Composite Index Lifecycle 2035 Fund Lifecycle 2035 Fund Composite Index Lifecycle 2040 Fund Lifecycle 2040 Fund Composite Index Lifecycle 2045 Fund Lifecycle 2045 Fund Composite Index Lifecycle 2050 Fund Lifecycle 2050 Fund Composite Index Lifecycle 2055 Fund Lifecycle 2055 Fund Composite Index Lifecycle Retirement Income Fund Lifecycle Retirement Income Fund Composite Index Lifecycle Index 2010 Fund Lifecycle Index 2010 Composite 32 NA 34 NA Lifecycle Index 2015 Fund Lifecycle Index 2015 Composite 34 NA 37 NA Lifecycle Index 2020 Fund Lifecycle Index 2020 Composite 33 NA 38 NA Lifecycle Index 2025 Fund Lifecycle Index 2025 Composite 40 NA 46 NA Lifecycle Index 2030 Fund Lifecycle Index 2030 Composite 47 NA 52 NA

3 3 & 5 Year Annualized & for the period ending Ratio Lifecycle Index 2035 Fund Lifecycle Index 2035 Composite 48 NA 55 NA Lifecycle Index 2040 Fund Lifecycle Index 2040 Composite 52 NA 58 NA Lifecycle Index 2045 Fund Lifecycle Index 2045 Composite 55 NA 59 NA Lifecycle Index 2050 Fund Lifecycle Index 2050 Composite 51 NA 55 NA Lifecycle Index 2055 Fund Lifecycle Index 2055 Composite 54 NA 58 NA Lifecycle Index Retirement Income Fund Lifecycle Index Retirement Income Composite 27 NA 30 NA Lifestyle Aggressive Growth Fund Lifestyle Aggressive Composite NA NA Lifestyle Conservative Fund Lifestyle Conservative Composite NA NA Lifestyle Growth Fund Lifestyle Growth Composite NA NA Lifestyle Income Fund Lifestyle Income Composite NA NA Lifestyle Moderate Fund Lifestyle Moderate Composite NA NA Managed Allocation Fund Managed Allocation Composite Index Mid-Cap Growth Fund Russell Midcap Growth Index Mid-Cap Value Fund Russell Midcap Value Index Real Estate Securities Fund FTSE NAREIT All Equity REITs Index S&P 500 Index Fund S&P 500 Index 6 NA 8 NA Short-Term Bond Fund Bloomberg Barclays Short (1-3 Yr) Govt Credit Index Small-Cap Blend Index Fund Russell 2000 Index 8 NA 12 NA Small-Cap Equity Fund Russell 2000 Index Social Choice Bond Fund Bloomberg Barclays Aggregate Bond Index NA NA Social Choice Equity Fund Russell 3000 Index Institutional Share Class Funds Bond Fund Bloomberg Barclays Aggregate Bond Index Bond Index Fund Bloomberg Barclays Aggregate Bond Index 31 NA 26 NA Bond Plus Fund Bloomberg Barclays Aggregate Bond Index Emerging Markets Equity Fund MSCI Emerging Markets Index Emerging Markets Equity Index Fund MSCI Emerging Markets Index 140 NA 241 NA Enhanced Intl Equity Index Fund MSCI EAFE Index 275 NA 281 NA Enhanced Large-Cap Growth Index Fund Russell 1000 Growth Index 95 NA 101 NA Enhanced Large-Cap Value Index Fund Russell 1000 Value Index 128 NA 122 NA Equity Index Fund Russell 3000 Index 9 NA 10 NA Global Natural Resources Fund MSCI AC World Index Commodity Producers Sec. Cap. Index NA NA Growth & Income Fund S&P 500 Index High-Yield Fund BofA ML BB-B Cash Pay Issuer Constrained Index Inflation-Linked Bond Fund Bloomberg Barclays TIPS 1-10 Year Index International Equity Fund MSCI EAFE Index International Equity Index Fund MSCI EAFE Index 204 NA 229 NA International Opportunities Fund MSCI All Country World Index ex-usa NA NA Large-Cap Growth Fund Russell 1000 Growth Index Large-Cap Growth Index Fund Russell 1000 Growth Index 7 NA 9 NA Large-Cap Value Fund Russell 1000 Value Index Large-Cap Value Index Fund Russell 1000 Value Index 9 NA 10 NA Lifecycle 2010 Fund Lifecycle 2010 Fund Composite Index Lifecycle 2015 Fund Lifecycle 2015 Fund Composite Index

4 3 & 5 Year Annualized & for the period ending Ratio Lifecycle 2020 Fund Lifecycle 2020 Fund Composite Index Lifecycle 2025 Fund Lifecycle 2025 Fund Composite Index Lifecycle 2030 Fund Lifecycle 2030 Fund Composite Index Lifecycle 2035 Fund Lifecycle 2035 Fund Composite Index Lifecycle 2040 Fund Lifecycle 2040 Fund Composite Index Lifecycle 2045 Fund Lifecycle 2045 Fund Composite Index Lifecycle 2050 Fund Lifecycle 2050 Fund Composite Index Lifecycle 2055 Fund Lifecycle 2055 Fund Composite Index Lifecycle Retirement Income Fund Lifecycle Retirement Income Fund Composite Index Lifecycle Index 2010 Fund Lifecycle Index 2010 Composite 32 NA 34 NA Lifecycle Index 2015 Fund Lifecycle Index 2015 Composite 34 NA 38 NA Lifecycle Index 2020 Fund Lifecycle Index 2020 Composite 38 NA 42 NA Lifecycle Index 2025 Fund Lifecycle Index 2025 Composite 40 NA 45 NA Lifecycle Index 2030 Fund Lifecycle Index 2030 Composite 43 NA 49 NA Lifecycle Index 2035 Fund Lifecycle Index 2035 Composite 47 NA 51 NA Lifecycle Index 2040 Fund Lifecycle Index 2040 Composite 52 NA 56 NA Lifecycle Index 2045 Fund Lifecycle Index 2045 Composite 52 NA 54 NA Lifecycle Index 2050 Fund Lifecycle Index 2050 Composite 56 NA 58 NA Lifecycle Index 2055 Fund Lifecycle Index 2055 Composite 55 NA 57 NA Lifecycle Index Retirement Income Fund Lifecycle Index Retirement Income Composite 33 NA 37 NA Lifestyle Aggressive Growth Fund Lifestyle Aggressive Composite NA NA Lifestyle Conservative Fund Lifestyle Conservative Composite NA NA Lifestyle Growth Fund Lifestyle Growth Composite NA NA Lifestyle Income Fund Lifestyle Income Composite NA NA Lifestyle Moderate Fund Lifestyle Moderate Composite NA NA Managed Allocation Fund Managed Allocation Composite Index Mid-Cap Growth Fund Russell Midcap Growth Index Mid-Cap Value Fund Russell Midcap Value Index Real Estate Securities Fund FTSE NAREIT All Equity REITs Index S&P 500 Index Fund S&P 500 Index 7 NA 8 NA Short-Term Bond Fund Bloomberg Barclays Short (1-3 Yr) Govt Credit Index Small-Cap Blend Index Fund Russell 2000 Index 9 NA 10 NA Small-Cap Equity Fund Russell 2000 Index Social Choice Bond Fund Bloomberg Barclays Aggregate Bond Index NA NA Social Choice Equity Fund Russell 3000 Index Tax-Exempt Bond Fund Bloomberg Barclays 10 Year Municipal Bond Index Retail Share Class Funds Bond Fund Bloomberg Barclays Aggregate Bond Index Bond Index Fund Bloomberg Barclays Aggregate Bond Index 26 NA 22 NA Bond Plus Fund Bloomberg Barclays Aggregate Bond Index Emerging Markets Equity Fund MSCI Emerging Markets Index Emerging Markets Equity Index Fund MSCI Emerging Markets Index 147 NA 241 NA

5 3 & 5 Year Annualized & for the period ending Ratio Equity Index Fund Russell 3000 Index 8 NA 13 NA Global Natural Resources Fund MSCI AC World Index Commodity Producers Sec. Cap. Index NA NA Growth & Income Fund S&P 500 Index High-Yield Fund BofA ML BB-B Cash Pay Issuer Constrained Index Inflation-Linked Bond Fund Bloomberg Barclays TIPS 1-10 Year Index International Equity Fund MSCI EAFE Index International Opportunities Fund MSCI All Country World Index ex-usa NA NA Large-Cap Growth Fund Russell 1000 Growth Index Large-Cap Value Fund Russell 1000 Value Index Lifecycle Retirement Income Fund Retirement Income Fund Composite Index Lifestyle Aggressive Growth Fund Lifestyle Aggressive Composite NA NA Lifestyle Conservative Fund Lifestyle Conservative Composite NA NA Lifestyle Growth Fund Lifestyle Growth Composite NA NA Lifestyle Income Fund Lifestyle Income Composite NA NA Lifestyle Moderate Fund Lifestyle Moderate Composite NA NA Managed Allocation Fund Managed Allocation Composite Index Mid-Cap Growth Fund Russell Midcap Growth Index Mid-Cap Value Fund Russell Midcap Value Index Real Estate Securities Fund FTSE NAREIT All Equity REITs Index Short-Term Bond Fund Bloomberg Barclays Short (1-3 Yr) Govt Credit Index Small-Cap Equity Fund Russell 2000 Index Social Choice Bond Fund Bloomberg Barclays Aggregate Bond Index NA NA Social Choice Equity Fund Russell 3000 Index Tax-Exempt Bond Fund Bloomberg Barclays 10 Year Municipal Bond Index Premier Share Class Funds Bond Fund Bloomberg Barclays Aggregate Bond Index Bond Index Fund Bloomberg Barclays Aggregate Bond Index 31 NA 26 NA Bond Plus Fund Bloomberg Barclays Aggregate Bond Index Emerging Markets Equity Fund MSCI Emerging Markets Index Emerging Markets Equity Index Fund MSCI Emerging Markets Index 144 NA 245 NA Equity Index Fund Russell 3000 Index 9 NA 10 NA Global Natural Resources Fund MSCI AC World Index Commodity Producers Sec. Cap. Index NA NA Growth & Income Fund S&P 500 Index High-Yield Fund BofA ML BB-B Cash Pay Issuer Constrained Index Inflation-Linked Bond Fund Bloomberg Barclays TIPS 1-10 Year Index International Equity Fund MSCI EAFE Index International Equity Index Fund MSCI EAFE Index 204 NA 228 NA International Opportunities Fund MSCI All Country World Index ex-usa NA NA Large-Cap Growth Fund Russell 1000 Growth Index Large-Cap Value Fund Russell 1000 Value Index Lifecycle 2010 Fund Lifecycle 2010 Fund Composite Index Lifecycle 2015 Fund Lifecycle 2015 Fund Composite Index Lifecycle 2020 Fund Lifecycle 2020 Fund Composite Index Lifecycle 2025 Fund Lifecycle 2025 Fund Composite Index Lifecycle 2030 Fund Lifecycle 2030 Fund Composite Index Lifecycle 2035 Fund Lifecycle 2035 Fund Composite Index Lifecycle 2040 Fund Lifecycle 2040 Fund Composite Index Lifecycle 2045 Fund Lifecycle 2045 Fund Composite Index Lifecycle 2050 Fund Lifecycle 2050 Fund Composite Index Lifecycle 2055 Fund Lifecycle 2055 Fund Composite Index Lifecycle Retirement Income Fund Lifecycle Retirement Income Fund Composite Index

6 3 & 5 Year Annualized & for the period ending Ratio Lifecycle Index 2010 Fund Lifecycle Index 2010 Composite 32 NA 35 NA Lifecycle Index 2015 Fund Lifecycle Index 2015 Composite 31 NA 34 NA Lifecycle Index 2020 Fund Lifecycle Index 2020 Composite 38 NA 41 NA Lifecycle Index 2025 Fund Lifecycle Index 2025 Composite 40 NA 44 NA Lifecycle Index 2030 Fund Lifecycle Index 2030 Composite 43 NA 48 NA Lifecycle Index 2035 Fund Lifecycle Index 2035 Composite 48 NA 55 NA Lifecycle Index 2040 Fund Lifecycle Index 2040 Composite 49 NA 54 NA Lifecycle Index 2045 Fund Lifecycle Index 2045 Composite 48 NA 55 NA Lifecycle Index 2050 Fund Lifecycle Index 2050 Composite 56 NA 58 NA Lifecycle Index 2055 Fund Lifecycle Index 2055 Composite 49 NA 52 NA Lifecycle Index Retirement Income Fund Lifecycle Index Retirement Income Composite 30 NA 30 NA Lifestyle Aggressive Growth Fund Lifestyle Aggressive Composite NA NA Lifestyle Conservative Fund Lifestyle Conservative Composite NA NA Lifestyle Growth Fund Lifestyle Growth Composite NA NA Lifestyle Income Fund Lifestyle Income Composite NA NA Lifestyle Moderate Fund Lifestyle Moderate Composite NA NA Mid-Cap Growth Fund Russell Midcap Growth Index Mid-Cap Value Fund Russell Midcap Value Index Real Estate Securities Fund FTSE NAREIT All Equity REITs Index Short-Term Bond Fund Bloomberg Barclays Short (1-3 Yr) Govt Credit Index Small-Cap Equity Fund Russell 2000 Index Social Choice Bond Fund Bloomberg Barclays Aggregate Bond Index NA NA Social Choice Equity Fund Russell 3000 Index LIFE Funds Bond Fund Bloomberg Barclays Aggregate Bond Index Growth & Income Fund S&P 500 Index Growth Equity Fund Russell 1000 Growth Index International Equity Fund MSCI EAFE Index Large-Cap Value Fund Russell 1000 Value Index Real Estate Securities Fund FTSE NAREIT All Equity REITs Index Small-Cap Equity Fund Russell 2000 Index Social Choice Equity Fund Russell 3000 Index Stock Index Fund Russell 3000 Index 5 NA 5 NA

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