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Supplemental Retirement Plans

TIAA-CREF Supplemental Retirement Plans and Group Supplemental = Retirement=20 Plans are tax-deferred and allow you to put away more for retirement in = addition=20 to the basic retirement plan offered by your employer.

While the provisions of different tax-deferred plans vary, they all = work the=20 same way: Money goes straight from your paycheck to an investment = account,=20 reducing your current income taxes. What's more, your potential = investment=20 earnings won't be taxable until you withdraw them in retirement.

If your employer offers a supplemental retirement plan, they = determine=20 the available investment choices and other plan features. Then you = decide=20 how much to invest and how you would like to allocate your = contributions.

With higher contribution limits than IRAs and the potential for a = larger tax=20 benefit in the near-term, tax-deferred plans from TIAA-CREF may be one = of the=20 best ways for you to build the retirement you want.

TIAA-CREF Expenses

Unlike most, TIAA-CREF annuities and mutual funds have no sales=20 charges. We aim to keep expenses low, so that more of your = dollars are=20 working for you.

Expenses are an important aspect of investing. To pay for the = operation and=20 management of a fund, each investor is charged an expense fee, which is=20 calculated as a percentage of the amount the investor has in the fund. = Even if=20 the fund loses money during a period, the fee is still charged.

Although an annual expense fee may seem relatively small, its effect = on=20 performance over time can be substantial. TIAA-CREF has some of the = lowest=20 expense charges in the industry.*

Investments

You can choose to allocate your contributions in a variety of annuity = accounts and, at some employers, mutual fund accounts. You can change = your=20 allocation of future contributions at any time or transfer some or all = of your=20 funds between accounts, with no tax implications.

Contribution Limits

Contributions are voluntary additional amounts you can make on your = own. The=20 Internal Revenue Code limits the total amount that can be = contributed.=20

Limits on Employee Contributions
The=20 maximum depends on your income, years of service, tax-deferred=20 contributions you've made in the past and other factors. Most = employees=20 can contribute a maximum of $15,500 in 2007.

You may be able to contribute more if you have 15 years of service or = are 50=20 or older.

Income and Distributions

All our plans offer the choice of lifetime income, where regular = payments are=20 based on:

How much money you accumulated=20
Your age=20
The income option you selected=20
The interest and/or investment returns you continue to earn once = you've=20 retired

Generally, you may also be able to take cash withdrawals, or use = other=20 options to design your own payment schedule.

Learn more about Retirement Plan Income Options.

Taxation

No taxes are due on contributions and earnings until the money is = withdrawn.=20 But because these plans are intended primarily for retirement, you can = generally=20 withdraw funds without penalties only after you've reached age 59=C2=BD. =

Eligibility

Find out if you are eligible for a TIAA-CREF supplemental retirement = plan.

* Morningstar Datalab Charting Tool Report Peer Group Analysis = (February=20 2006) based on Morningstar expense comparisons by category.

Supplemental Retirement Annuity contract form series 1200.8,
Group = Supplemental Retirement Annuity contract form series G1250.1. GSRAs are = not=20 available in all states.

TIAA-CREF Individual & Institutional Services, LLC and Teachers = Personal=20 Investors Services, Inc. distribute securities products. You = should=20 consider the investment objectives, risks, charges and expenses = carefully before=20 investing. Please call 1 877 518-9161 for = a prospectus that contains this and other information. = Please=20 read the prospectus carefully before investing.

TIAA (Teachers Insurance and Annuity = Association),=20 730 Third Avenue, New York, NY, 10017 issues annuities. =20 Investment products are not FDIC insured, may lose value and are not = bank=20 guaranteed.

Learn more about opening a TIAA-CREF retirement plan account.

Learn More About Retirement Planning

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