TIAA-CREF is a national financial services organization with over $380 billion in combined assets under management* and the leading provider of retirement saving products and services in the academic, research, medical and cultural fields. We are committed to a long-term approach to investing, providing guidance tailored to the unique needs of our investors and offering products with among the lowest expenses in the industry**.TIAA-CREF has one of the strongest financial records as one of two insurance companies to receive the highest credit ratings from all four major rating agencies. Plan Highlights With some of the lowest fees in the insurance and mutual fund industries TIAA-CREF provides participants in the Pennsylvania State System with high quality products and superior services including access to one-on-one sessions with a non-commissioned Consultant, as well as 24-hour access to the Automated Phone Service (ATS) and Web Center. Numerous income options, loans, and transfer opportunities are also available.As a current participant of TIAA-CREF, you do not need to re-enroll into the Pennsylvania State System of Higher Education retirement plans. If you have questions about your TIAA-CREF accounts or about the changes that are taking place under your employer's retirement savings plans, please call 800 842-2888 weekdays from 8:00 a.m. to 10:00 p.m. or Saturdays from 9:00 a.m. to 6:00 p.m., ET. If you would like to enroll in a TIAA-CREF retirement plan, please contact 800-842-2888.For more information see: PASSHE/TIAA-CREF Microsite TIAA-CREF Enrollment Form
With some of the lowest fees in the insurance and mutual fund industries TIAA-CREF provides participants in the Pennsylvania State System with high quality products and superior services including access to one-on-one sessions with a non-commissioned Consultant, as well as 24-hour access to the Automated Phone Service (ATS) and Web Center. Numerous income options, loans, and transfer opportunities are also available.As a current participant of TIAA-CREF, you do not need to re-enroll into the Pennsylvania State System of Higher Education retirement plans. If you have questions about your TIAA-CREF accounts or about the changes that are taking place under your employer's retirement savings plans, please call 800 842-2888 weekdays from 8:00 a.m. to 10:00 p.m. or Saturdays from 9:00 a.m. to 6:00 p.m., ET. If you would like to enroll in a TIAA-CREF retirement plan, please contact 800-842-2888.For more information see: PASSHE/TIAA-CREF Microsite TIAA-CREF Enrollment Form
Footnotes *$380 billion includes pension and investments as of 6/30/06.**Morningstar Datalab Charting Tool Report Peer Group Analysis-[February 2006]-based on Morningstar expense comparisons by category.TIAA/TIAA-CREF Life currently holds top ratings from all four leading insurance company rating agencies: A.M. Best Co.:A++ (highest possible), 6/2006, Fitch:AAA (highest possible), 3/2006, Moody's Investors Service: Aaa (highest possible), 3/2006, and Standard & Poor's: AAA (highest possible), 5/2005. These ratings do not apply to variable annuities, mutual funds, or any other product or service not fully backed by TIAA's claims-paying ability.TIAA-CREF Individual & Institutional Services, LLC.,\and Teachers Personal Investors Services, Inc., distribute securities products.You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161 or go to www.tiaa-cref.org for a prospectus that contains this and other information. Please read the prospectus carefully before investing.TIAA (Teachers Insurance and Annuity Association)