Points of Contact

Toll-Free Telephone Numbers
Telephone Counseling Center
1 800 842-2776*
For questions on investment choices, income options, benefits, retirement illustrations, premiums, payments, and taxation. Representatives are available Monday to 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. Monday is the busiest day.

Automated Telephone Service
1 800 842 2252 *
For allocation of future premiums, transferring accumulations among the TIAA-CREF variable accounts and to TIAA Traditional, performance information, accumulation unit values, the current value of your accumulation, booklets and certain forms. You can also find out the status of your single-sum and systematic withdrawal or transfer requests for accumulating annuities. Available around the clock.

TTY Direct LIne
1 800 842-2755
Designated line for hearing- and speech-impaired participants using text telephones. Available weekdays frmo 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.

Planning and Service Center
1 800 223-1200
For questions on TIAA-CREF Mutual Funds, individual life insurance, Teachers LongTerm Care © Insurance, and the Teachers Personal Annuity. Representatives are available weekdays from 8:00 a.m. to 8:00 p.m. ET.

Group Life/Total Disability Insurance
1 800 842-2733, ext. 2945
For information on TIAA Group Life and Group Total Disability insurance. Representatives are available weekdays from 9:00 a.m. to 4:45 p.m. ET.

* access to this toll-free number outside the U.S., use AT&T's International Access Code.

On the Internet
For current account performance and rates, accumulations, and last premium information, and to make transfers and allocation changes, or to request an Annuity Benefits Report. Participants may also order select publications and forms. Available around the clock.

TIAA-CREF At Your Service
To obtain basic company information on-line, including daily accumulation unit values for the TIAA-CREF variable accounts and current interest rates for TIAA Traditional; account profiles and investment performance; publication excerpts; and answers to frequently asked questions. Available around the clock.

The TIAA-CREF Real Estate Account is subject to approval by state regulatory agencies, and each institution must approve the account for use in its retirement plan. It is available for TIAA-CREF Supplemental Retirement Annuities (SRAs) and for TIAA-CREF IRAs in all states except California.

TIAA-CREF Individual and Institutional Services distributes CREF certificates and interests in the TIAA Real Estate Account. This publication must be accompanied or preceded by current CREF and TIAA Real Estate Account prospectuses. For additional copies, call 1 800 842 2776.

For complete information about the TIAA-CREF Mutual Funds and the variable component of the TEachers Personal Annuity, including chargesand expenses, call 1 800 233 1200 for current prospectuses. Read them carefully before you invest or send money. The TIAA-CREF Mutual Funds and the variable component of the Teachers Personal Annuity are distributed by Teachers Personal Investors Services, an wholly owned subsidiary of TIAA.

The provisions of your institution's retirement plan may limit the availability of TIAA-CREF's Minimum Distribution Option (MDO) and certain calculation methods.

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