TIAA-CREF is proud to be a part of the Iowa Retirement Investors' Club Plan. For over 90 years, we have been helping millions of people in the academic, medical, cultural and research fields plan for retirement, and TIAA-CREF has served educational institutions in Iowa for over 60 years. We offer you options to tailor your plan to your investment style and goals.

Life can be complicated, but planning for retirement doesn't have to be. To help you plan for your goals, we offer:

• Top ratings. For it's stability, sound investments, claims-paying ability, and overall financial strength, TIAA currently holds the highest possible ratings from the four leading insurance company rating agencies: Standard & Poor's (AAA as of 6/09), Moody's Investors Service (Aaa as of 5/09), A.M. Best (A++ as of 12/2009), and Fitch (AAA as of 6/09). These ratings don't apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA's claims-paying ability. Ratings are subject to change. There is no guarantee that current ratings will be maintained.
• Retirement choices that suit your style.
• A simplified "one decision" strategy. You pick one from a series of new Lifecycle Accounts targeted to your expected year of retirement.
• A "Build your own portfolio" strategy. You create your own long-term portfolio from a wide range of investment choices. You can refer to sample portfolios showing various risk tolerance levels.
• Sound guidance. Speak with a TIAA-CREF consultant for answers that make sense for you.
• Low cost. TIAA-CREF is committed to keeping costs low, with expenses that are among the lowest in the variable annuity and mutual funds industries¹.

If you are a new employee, enroll now to take advantage of these investment strategies.

There are risks associated with investing in securities including loss of principal. In addition to the fees and expenses associated with the Lifecycle Accounts, there is exposure to the fees and expenses associated with the underlying mutual funds as well.

¹ Source: Morningstar Direct (December 2009) based on Morningstar expense comparisons by category.

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Group Supplemental Retirement Annuity (GSRA) TIAA Contract form series G1250.1 (GSRA's are not available in all states)/CREF Certificate series CG1250.1
Retirement Choice Plus TIAA Contract form Series IGRSP-01-5-ACC, IGRSP-01-60-ACC, IGRSP-01-84-ACC; TIAA Certificate Series - IGRSP-CERT1-5-ACC, IGRSP-CERT1-60-ACC, IGRSP-CERT1-84-ACC; CREF Contract form series: CIGRSP; CREF Certificate series: CIGRSP-CERT1