Some Final Thoughts

The Minimum Distribution Option is not a lifetime annuity. Rather, it's an option that provides an easy way for you to satisfy the federal minimum distribution requirements. So if you don't need more than the required amount of income at this time, the Minimum Distribution Option may be suitable for you.

When making your decision, be sure to consider your other assets and sources of income. Will they provide enough income to meet your desired standard of living? How important is a guaranteed lifetime income to you? Also, be sure to consider the tax implications of your investment and income choices.

We are here to help you. If you have any questions about hte Minimum
Distribution Option, or would like to discuss the rules, please call one of our
consultants, toll free at 1 800 842-2776, Monday through Friday
from 8:00 a.m. to 11:00 p.m. ET,and Saturday and Sunday from 9:00 a.m.
to 6:00 p.m. ET. For other TIAA-CREF telephone numbers, refer to the
Points of Contact section in the back of this booklet.

Next: Appendix I: How To Complete The Forms Package
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