National Geographic : 2007 Sep
we're a $400 bilon full-service financial services dot-org with a nearly 90-year nonprofit heritage As a dot org we answer to our participants first - those who serve the greater good; people in the academic, medical, cultural and research fields. We serve their best interests with objective advice, low fees, social responsive ivestment - : Our mission to guide them to and through retirement We do that withab t eadah of pro ucts.and h est, psonaed service , provided by noncomssioned consultants who are compensated prImarily on howwel they serve you, not what they sel you° Sb , three o the os tsorysred matters foe end Paftera dot on the whole Wo Id Wi de Web. An the place you will find them, when it omtitutionales t fServices, LLCnancia services, ia registeredafter or investment advitedyisor. very dot-org name TIAA-CRE E of ro lse FINANCIAL SERVICE FOR GREAER OODY Lowfees are based on Morningstar Direct (February 2007) expense comparisons bycategory. Not applicable to brokerage products. Our Advisors receive no commissions. Theyare compensated through a salary plus incentive program.Not applicable to brokerage products. TIAA-CREF Individual & Institutional Services, LLC,and TeachersPersonal Investors Services, Inc.,Members NASD, distribute securities products. Advisory services areprovided byAdvice andPlanning Services, a division ofTIAA-CREFIndividual & 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. C38840A ©2007Teachers Insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF), New York, NY10017.