National Geographic : 2007 Oct
THINK .org ONOMICALLY. We are TIAA-CREF We're a dot-org. Not a dot-com. A $400 billion financial services dot-org whose greatest measure of success is the retirement well-being of our participants - those who serve the greater good. By focusing on this unique audience, we're better able to serve their unique needs. Plus, with low operating costs, no commissions, and fees that are generally half the industry average, more of their money is being invested to work harder for them. Which means we not only think differently as a financial services dot-org, we act it too. That's powerof.org. That's TIAA-CREF. Go to powerof.org _TI AA I Ir- *CREF FINANCIAL SERVICES FOR THE GREATER GOOD Low fees are based on Morningstar Direct (February 2007) expense comparisons by category. Not applicable to brokerage products. Our Advisors receive no commissions. They are compensated through a salary plus incentive program. Not applicable to brokerage products. TIAA-CREF Individual & Institutional Services, LLC,and Teachers Personal Investors Services, Inc., Members NASD, distribute securities products. Advisory services are provided by Advice and Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC,a registered investment advisor. Consider the investment objectives, risks, charges and expenses carefully before investing. Call 877 518-9161 or visit tiaa-cref.org for a current prospectus that contains this and other Information. Read it carefully before investing. C38877 © 2007 Teachers Insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF), New York, NY10017.