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Voluntary Investment Program

Note: See the investment's fact sheet and/or prospectus for additional information.

Guaranteed Annuity
INVESTMENT NAME	SHARE CLASS	TICKER SYMBOL
TIAA Traditional Annuity	N/A	N/A	Fund Profile \| Prospectus

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Variable Annuity
INVESTMENT NAME	SHARE CLASS	TICKER SYMBOL
CREF Stock Account	N/A	N/A	Fact Sheet (PDF) \| Prospectus

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Variable Annuity
INVESTMENT NAME	SHARE CLASS	TICKER SYMBOL
TIAA Real Estate Account	N/A	N/A	Fact Sheet (PDF) \| Prospectus

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Variable Annuity
INVESTMENT NAME	SHARE CLASS	TICKER SYMBOL
CREF Money Market Account	N/A	N/A	Fact Sheet (PDF) \| Prospectus

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Variable Annuity
INVESTMENT NAME	SHARE CLASS	TICKER SYMBOL
CREF Social Choice Account	N/A	N/A	Fact Sheet (PDF) \| Prospectus

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C2145

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit www.tiaa-cref.org for details.

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 (TIAA) and College Retirement Equities Fund (CREF), New York, NY.