Here at TIAA-CREF we're always looking for ways to improve our service to you...to save you time and money. Our new service initiative provides a wide range of electronic facilities that are designed specifically to make your life easier. One special tool is TIAA-CREF's Telephone Remittance Service.

Telephone Remittance Service permits the electronic transfer of your TIAA-CREF premium remittance from your bank account to TIAA-CREF. The service completely eliminates the need for physical checks, and all that's associated with preparing and reconciling them.

Telephone Remittance Service guarantees that your payment will be received by TIAA-CREF on time. It lets you plan your cash flow accurately and avoid overdrafts. And it ensures that your payments go to work faster for your employees. The service costs no more than your current postage for mailing your remittance to TIAA-CREF and far less than wire transfers. And Telephone Remittance Service is completely safe -- only you can authorize electronic premium payments.

Think of the convenience Telephone Remittance Service provides. No more postdated checks, no more tracking lost or delayed payments, no more check preparation and no more need to follow-up on your wire transfer or your check.

Sign up is simple. Just complete and print the Authorization Form and attach a voided check from your bank account. Then return both to us. And get ready to put the time and money you're sure to save to better use.

Read the Questions and Answers Section. It will tell you more about Telephone Remittance Service. Please call the Administrator Telephone Center at 1 888 842-7782 Monday through Friday, 8:00 a.m. to 8:00 p.m. ET, if you have additional questions.