What makes the TIAA-CREF IRA so special?

• Guaranteed income for life option**.
• Personalized, objective advice
• 100% of our funds are rated 3 or more stars by Morningstar across all asset classes.^†,1

*Rollovers and transfers may be subject to differences in features, costs, and surrender charges. Indirect transfers may be subject to taxation and penalties. Consult your tax advisor regarding your situation.

**Available through guaranteed annuity products only. Guarantees are backed by the issuer.

^† The breakdown of the 100% of TIAA-CREF funds/annuities rated 3 or more stars — 3 stars: 79%, 4 stars: 19%, 5 stars: 2%, as of 12/31/10.

¹Source: Morningstar Rankings as of December 31, 2010. Past performance does not guarantee future results. The overall star ratings are Morningstar's published ratings, which are weighted averages of its 3-, 5-, and 10-year ratings for periods ending December 31, 2010. Current rankings may be higher or lower on a monthly basis. For each fund/account with at least a three-year history, Morningstar calculates a Morningstar RatingTM based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund's/account's monthly performance (including the effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. Where applicable, Morningstar's performance rankings are based on linked performance that considers the differences in expense ratios, while actual performance data shown does not reflect such differences. The top 10% of funds/accounts in a category receive five stars, the next 22.5% receive four stars, the next 35% receive three stars, the next 22.5% receive two stars and the bottom 10% receive one star. (Each share class is counted as a fraction of one fund/account within this scale and rated separately, which may cause slight variations in the distribution percentages.) Morningstar proprietary ratings on U.S.-domiciled funds/accounts reflect historical risk-adjusted performance and are subject to change every month. They are derived from a weighted average of the performance figures associated with its three-, five- and ten-year (if applicable) Morningstar Rating metrics.