IMPORTANT INFORMATION FOR FOREIGN ADDRESS PARTICIPANTS IN THE VILLANOVA UNIVERSITY 403(b) RETIREMENT SAVINGS PLAN
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1 August 22, 2014 IMPORTANT INFORMATION FOR FOREIGN ADDRESS PARTICIPANTS IN THE VILLANOVA UNIVERSITY 403(b) RETIREMENT SAVINGS PLAN Starting October 15, 2014, Villanova University will make several changes to the Villanova University 403(b) Retirement Savings Plan. These changes are described below. IMPORTANT! According to our records, you do not have a United States mailing address on file. As a result, TIAA-CREF may be restricted from processing certain mutual fund transactions on your behalf. If you have a legitimate U.S. mailing address, including an address in Puerto Rico or the Virgin Islands, or an Army Post Office (APO), Diplomatic Post Office (DPO) or Fleet Post Office (FPO) box, the following restrictions may be lifted. Please contact TIAA-CREF for assistance. About foreign address restrictions TIAA-CREF is generally restricted from processing mutual fund transactions for plan participants who reside outside of the United States and don t have a legitimate U.S. address. These transactions include purchases, rollovers and transfers of mutual funds. Starting, October 15, 2014, your rollovers, current asset transfers and any future contributions to mutual funds will not be processed by TIAA-CREF. Your options for these types of transactions on the TIAA-CREF platform will be limited to the TIAA-CREF group annuity options available under your plan on the new investment menu. If your asset allocation on file is currently directed to a mutual fund(s), your contributions will be redirected to the default option established under your plan by Villanova University. Upcoming changes to the Villanova University 403(b) Retirement Savings Plan include: A single point of contact: Starting October 15, 2014, TIAA-CREF will provide all services for the 403(b) Retirement Savings Plan. As a result of this change, Vanguard will no longer be an active provider for the plan; however, Vanguard mutual funds will remain available as part of transfer strategy. Your current assets and future contributions will be directed to TIAA-CREF. New investment options: Several investment choices will be restricted from the investment menu and replaced with new options. To understand how your current assets and/or future contributions will transfer, see the charts on the following pages. Participants with a foreign mailing address will be limited to annuity investment options. New contracts: New Retirement Choice (RC) annuity contracts will be issued for future contributions.
2 Key Dates Week of September 22, 2014 October 10, 2014 October 15, 2014 Week of October 20, 2014 October 30, 2014 Event Welcome Kit is sent with important information on making the most of your participation with TIAA-CREF. Vanguard plan participants: Blackout Period begins. Please see the enclosed Blackout Notice for more information. TIAA-CREF is the sole recordkeeper for the plan. Existing assets transfer from Vanguard to TIAA-CREF. s are being closed. Existing assets in these funds will be automatically transferred or mapped to replacement Vanguard Target Retirement s. Vanguard plan participants: Blackout Period expected to end. Need help? If you have questions on the upcoming changes, TIAA-CREF can help: Phone: Call , Monday to Friday, 8 a.m. to 10 p.m., and Saturday, 9 a.m. to 6 p.m. (ET). This is a United States telephone number. Please ensure you have international calling capability. An additional per-minute surcharge may apply for all calls placed internationally. These charges are subject to market fluctuation and may change at any time. For more information, please contact your telephone service provider. To place an international phone call, you must first dial the International Direct Dialing (IDD) code, which may vary by country or telephone company, followed by the Country Code of the call destination country. Go to, select Contact Us at the top of the screen, and in the By section, under Participants, select Log in to send a secure . If you are new to TIAA-CREF, you will need to go to the Register for Secure Online Access section to obtain your required User ID and Password. Mail: Write to TIAA-CREF, 730 Third Avenue, New York, NY We look forward to serving you! Enclosure: Blackout Notice
3 Villanova University 403(b) Retirement Savings Plan New investment options for foreign address participants, starting October 15, 2014: Asset Class Guaranteed* Fixed Income Multi-Asset Real Estate Equities TIAA Traditional Annuity CREF Bond Market Account CREF Inflation-Linked Bond Account CREF Social Choice Account TIAA Real Estate Account CREF Stock Account CREF Equity Index Account CREF Global Equities Account CREF Growth Account * 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. Annuity account options are available through annuity 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 are not guaranteed and will rise or fall based on investment performance. Please note, all investment options have expense ratios and other investment-specific fees that can be found in the prospectuses at Some investment options may also have redemption fees. How your current assets and future contributions will transfer to the new investment options: Current TIAA-CREF investors During the week of September 22, 2014, if you are currently contributing to TIAA-CREF, you will be enrolled in a new TIAA-CREF account, and you will be sent a TIAA-CREF Welcome Kit that includes your new account information. If you do not take action, beginning October 10, 2014, your future contributions will be redirected to the CREF Social Choice Account unless you are actively contributing to one or more of the annuity options listed above in the chart titled s for Foreign Address Participants. Your TIAA-CREF current assets will be transferred to replacement investment options during the transition to the new menu. See the transfer chart on the following page to understand how any mutual fund investments may be affected. Any annuity balances you have will remain where they are in your existing contracts. You should be aware that there are some features of the Retirement Choice contracts that differ from your existing contracts (such as liquidity, interest rates and other considerations). Please make sure you understand those differences before you transfer your account balances to the Retirement Choice contracts.
4 Mapping instructions from existing TIAA-CREF funds to Retirement Choice contracts for October 15, 2014 implementation existing Investment 2010 TLTIX VTENX 2015 TLFIX VTXVX 2020 TLWIX VTWNX 2025 TLQIX VTTVX 2030 TLHIX VTHRX 2035 TLYIX VTTHX 2040 TLZIX VFORX 2045 TLXIX VTIVX 2050 TLLIX VFIFX 2055 TTIIX VFFVX Retirement Income TRILX 4 Income VTINX
5 Current Vanguard investors During the week of September 22, 2014, you will be enrolled in a new TIAA-CREF account, and you will be sent a Welcome Kit, including your new account information. Your beneficiary will be set to Estate. To update your account, you will need to establish a user ID and password to access your account online. On October 10, 2014, a Blackout Period will begin. During this time, you will be unable to change your investment choices, transfer funds or make withdrawals. If you are currently contributing to the plan, payroll contributions will continue to be withheld. For details, see the enclosed Blackout Notice. Beginning October 15, 2014, your current assets will be redirected to the funds listed in the mapping instructions below. See the chart below to understand how your investments may be affected. Vanguard mapping instructions for October 15, 2014 implementation existing Investment Vanguard 500 Index VFINX 4 Vanguard 500 Index VFIAX Vanguard Capital Opportunity VHCOX 4 Vanguard Capital Opportunity VHCAX Vanguard Emerging Markets Stock Index VEIEX 4 Vanguard Emerging Markets Stock Index VEMAX Vanguard Explorer VEXPX 4 Vanguard Explorer VEXRX Vanguard Extended Market Index VEXMX 4 Vanguard Extended Market Index VIEIX Vanguard GNMA VFIIX 4 Vanguard GNMA VFIJX Vanguard High-Yield Corporate VWEHX 4 Vanguard High-Yield Corporate VWEAX Vanguard Inflation Protected Securities VIPSX 4 Vanguard Inflation Protected Securities VAIPX Growth VWIGX 4 Growth VWILX Vanguard Long-Term Investment- Grade VWESX 4 Vanguard Long-Term Investment-Grade VWETX Vanguard PRIMECAP VPMCX 4 Vanguard PRIMECAP VPMAX Vanguard Prime Money Market VMMXX 4 Vanguard Prime Money Market VMRXX Vanguard REIT Index VGSIX 4 Vanguard REIT Index VGSLX Vanguard Short-Term Investment-Grade VFSTX 4 Vanguard Short-Term Investment- Grade VFSIX Vanguard Total Bond Market Index VBMFX 4 Vanguard Total Bond Market Index VBTIX
6 existing Investment Vanguard Total International Stock Index VGTSX 4 Vanguard Total International Stock Index VTSNX Vanguard Total Stock Market Index VTSMX 4 Vanguard Total Stock Market Index VITSX Vanguard U.S. Growth VWUSX 4 Vanguard U.S. Growth VWUAX Vanguard Wellesley Income VWINX 4 Vanguard Wellesley Income VWIAX Vanguard Wellington VWELX 4 Vanguard Wellington VWENX Vanguard Windsor II VWNFX 4 Vanguard Windsor II VWNAX Vanguard Convertible Securities VCVSX 4 Vanguard Convertible Securities VCVSX Vanguard Dividend Growth VDIGX 4 Vanguard Dividend Growth VDIGX Vanguard FTSE Social Index VFTSX 4 Vanguard FTSE Social Index VFTSX Vanguard Global Equity VHGEX 4 Vanguard Global Equity VHGEX Explorer VINEX 4 Explorer VINEX Value VTRIX 4 Value VTRIX Vanguard Selected Value VASVX 4 Vanguard Selected Value VASVX Vanguard STAR VGSTX 4 Vanguard STAR VGSTX 2010 VTENX VTENX 2015 VTXVX VTXVX 2020 VTWNX VTWNX 2025 VTTVX VTTVX 2030 VTHRX VTHRX 2035 VTTHX VTTHX 2040 VFORX VFORX 2045 VTIVX VTIVX
7 existing Investment 2050 VFIFX VFIFX 2055 VFFVX VFFVX 2060 VTTSX VTTSX Income VTINX 4 Income VTINX Brokerage Account at Vanguard N/A N/A 4 Brokerage Account at TIAA-CREF N/A N/A The transfer of your assets will take place in this one-step, fund-to-fund transfer process: For current investment choices remaining on the new menu Assets will be reregistered at TIAA-CREF. As a result of the reregistration process, participant accounts will remain fully invested and will in the investment experience of the funds during the asset transfer process. For current investment choices that are not on the new menu Mutual fund assets will move from Vanguard to TIAA-CREF following a fund-to-fund transfer process. Proceeds from Vanguard will be applied as of 4 p.m. (ET) on the day they are received by TIAA-CREF according to the transfer chart. Your account will not in the investment experience of the new investment options for one business day. TIAA-CREF Individual & Services, LLC and Teachers Personal s 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 (CREF), New York, NY Teachers Insurance and Annuity Association of America-College Retirement Equities (TIAA-CREF), 730 Third Avenue, New York, NY _ (8/14)
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