Download ~. Choose an initial investment allocation 4. Indicate any existing

1. Providesomebasic information
'! about yourself
..
~. Choosean initial investmentallocation
:~ There are t\VO\vays you can choosc an allocation. The
: transfer and \vithdrawal restrictions of the accountS differ
~t and should be taken into consideration. You may change
:~ your allocation at any time.
, Option A-Create YourOwnAllocation
:
':.
:
1.'
Choo~e the percentages you want to allocate to each TIAACREF fIXed and variable annuity account. You can choose
from any of the accounts available under your employer's
plan. If your allocation exceeds100%, if it violates any plan
limitations, or if we receive your contributions before we
receive your enrollment form, your contributions will be allo".: cated to the CREF Money Market Account. If your allocation is less than 100%, the omitted percentage will be
allocated to the CREF Money Market Account. Upon
:i receiving clarification from you, we will apply all future contributions according to your instructions. If you need help
customizing your allocation:
~
Use our Asset Allocation Calculatol; available
g
at www,tiaa-cref.org
You'llanswera seriesof questionsand a portfolio will be suggested ba~ed on your responses. You'll also find historical perfor-
mancefor the llAA-CREF accountsand informationon the
variableaccountexpensesin our prospectu~es.
IIflA
V'
To have a customized allocation prepared,
call a consultant at 800 842-2888
3. Designateyour beneficiary(ies)
Your primary beneficiary(ies)will be paid any survivor bcnefit existing under the conu'act at your death. If there are no
surviving
primary
beneficiaries,
your contingent
beneficiary(ics)will receive these benefits.If }'Ouare married,
pmvi..,ions under your employcr's plan may requil'C you to
name your spouse as primary bcneficiary for at least a portion of the benefit. You can call a consultant at 800 842-2888
for further information about choosing your beneficiaries.
4. Indicateanyexistingcontracts
Wc al'e complying with a regulatory rcquirement in asking
that you provide information on existing contracts. You need
to answer "Yes" only if thcse TIAA-CREF contracts will
completely replace existing contracts under the same rctirement plan at your employcr.
5. Rememberto sign your form
Nextsteps...
Return your eIU'Olbnent form to your employer's benefits office. You may need to complete a salary reduction
agreement with your employer.
Complete the Transfer/Rollover
Authorization
to
TlAA-CREFform.
If you have funds with another financial
carrier that you would likc to consolidate with TIAA-CREF,
just return the Transfer/Rollover Authorization form to us.
Before making a transfer, be sure to consider any surrender
chargesthe other company may deduct.
Consultants are available weekdays from 8 am to 11 pm,
and weekendsfrom 9 am to 6 pm, ET.
Option B-Seloot Oneof Our SamplePortfolios
Our sample portfolios
are examples that can be
created using the TIAA-CREF fixed and variablc annuity
accounts. These portfolios are not recommendations and do
not take into consideration your personal goals or preferences. After you take into account information you consider
important in making an investment choice, the ultimate
allocation decision is up to you.
Standard RA (Non-ERISA) 6/01
10.34.31\ (01/01)
You can choose among the TIAA Traditional fixed annuity and the TIAA-CREF variable annuity accounts. For more de~aiJed information,
see your enrollment kit brochurc and the prospectuses. Some of the accounts m8Y not be available under yovr employer's plan. If you have
questions about account availability, call our Enrollment Hotline at 800 842-2888.
TIAA Traditional-guarantees
your principal and a specified
interest rate (backed by TIM's claims-payingability), plus offers
ildditionol growth opportunitY through dividends, which are established on a year-by-yearbasis but are not guaranteed for future years.
BecauseTlAA invests in long-term, relatively illiquid investments
in an effort to obtain increasedyields, withdrawalsand transfers
from TIM Traditional must be spread over a ten-yearperiod.
TIM
Real Estate-invests
the majority of its assets in income-
producing commercial properties with the remainder in liquid assets
such as money market instruments and other ~ecurities. Real estate
h;!s specific risks, including fluctuations in property value, higher
expenses or lower income than expected, and environmental
problems ~nd liability. Transfers from the TIM
are limited to once per c~rendar quarter.
ViRY LOW RISK
CREF Stock---a broadly diversified portfolio investingthe majority
of its assets in U.S.stocks. Two.thirdsof the portfolio usesenh~nced
indexing to reflect the overallU.S.stock market.The remainderis
actively managed,divided fairly equally between u.s. and foreign
stocks. (Foreign marketsare subject to additional risksfrom
changing currencyvalues. interest rates,government regulations.
and political and economic conditions.)
MODERATE
RISKI
CREF Global Equities-invests between 40%and 75%of its assets
in foreign stockswith the remainder in U.S.securities. This portfolio
combines individual stock selectionwith enhancedindexing.
(Foreignmarketsare subject to additional risksfrom changing
currencyvalues. interest rates. govemment regulations, and political
and economic conditions.)
MODERATE
RISK
CREF Growth-invests in stocksthat may offer superior growth
potential based on economic and marketconditions. A second
portfolio component usesenhanced indexing to reflect a broadly
based index of U.S. growth stocks.
MOOERATE-To-HIGH
RISK
CREF Equity Index-encompasses almost the entire range
of U.S.stocks. This account usesindexing to reflect the returns of
the Russell3000.*
MODERATE
Real Estate Account
MODERATE
CREF Money
Market-invests
RISK
in securities and other instruments
that will mature in the near future and therefore tend to reflect
!
changes in current interest rates. This account is neither insured
nor guaranteed by the Federal Deposit Insurance Corporation or
any other government agency.
VERYLOWRISK I
CREF Bond Market-invests
primarily in high- and medium-
~
quality corporate and governmentbonds of v~ryingmaturities.
The bonds are often actively bought and sold rather than held
to maturity.
CREF
Inflation-Linked
LOW.YO-MODERATERISK
Bond-invests
primarily in bonds
whose principal or interest is adjusted to track the inflation rate.
LOW-TO-MODERATERISK ~
CREF Socia! Choice-a portfolio of stocks,bonds, and money
market instrumentsthat screensout investmentsnot meeting
certain socialcriteria.
LOW-TO.MODERATE
RISK
RISK
.Not..: Tho Rv.ocll3(XX),comp;led by the FrankRussellCompa"y. is"" vnm.".ged ;"d.. "I tho .tocks ofth.. 3,!XXJlargestu.S. cOO'Paniestraded on the New York Stcck Excha"ge. o"'e( U.S.
exdo.nges andover the cou"ter ('.e.. slocks svth ..t"ose listed on NASDAQ),Eachstock i" the index is weighted by;,. telalive marketv.lue. TheCREFEqu;tyIndex Accovnt ;s oot promoted or
oponsored byor aflii.led w;th the Frank RussellCompany. which;. nOl respono;blefor .ny representations.bout the accovnt. You "annot purchases"are. in the inde.. The R""ell 3(XX)is a
regis'ered tr.demork of the Fr.nk RussellComp."y.
Remember. if you'd like to select an allocation other than these sample portfolios. we can help you create your own allocation by using our
Asset Alloc<ition Calculator at www,tia<i-cref.org or by calling 600 842-2888.
60% TlAA
Traditional,
This portfoJio's
priate
30% CREF Stock,
high percentage
for someone
who is primarily
The equity
portion
offers
diversified
within
additional
diversification.
itself.
10% TlAA
in TIAA Traditional
investment
The allocation
concerned
with
Real Estate
makes it approsafety and stability.
in CREF Stock, which
is broadly
to TIAA Real Estate provides
45% TIM Traditional, 45% CREF Stock, 10% TIM Real Estate
This portfolio seeks a balance between safety and grOWth potential.
It is diversified, including stock and real estate accounts, as well as
the guarantees of TlAA Traditional.
A note about ri~k: Remember; all the sample portfolios offer
investment within equity accounts. The more aggressive the sample
portfolio, the greater the risk of loss.
25% TIAA Traditional, 30% CREF Stock, 20% CREF Global Equities,
15% CREF Growth, 10% TIM Real Estate
This portfolio seeks growth opportunity while maintaining a percentage in TIM Traditional to help enhance overall safety. The equity
accounts offer growth opportunity through broad diversification,
indexed and active investment <lpproaches, <lnd particlp<ltion in both
domestic and global investments. TIM Real Estate adds diversification.
10% TlAA Traditional, 35% CREFStock. 20% CREFGlobal Equities.
25% CREFGrowth, 10% TIM Real Estate
This portfolio provides a risk-tolerantinvestorwith a way to take
advantageof the long-term growth opportunities of stocks,including
a healthy allocationto the CREFGrowth Account. The guaranteesof
TIAA Traditionalprovide some balanceto the risksof stock investing,
and TIAA Real Estate enhances
diversification.
Enrollment
Fo1~m
f01- TlAA
and CREF Retirement
(FOl- Plans Not
Co'~ered
B)' ERISA)
Annuitv .. Contl~acts
Please!Jlpeorprint in hlackor dark hlueink andprovideall informationrequested.
~
.
YourPersonallnfurmation
0 Mr. 0 Mrs. 0 ~Is. 0 Dr. 0 Othc~
Middlc
l.astNamc
First
~IailingAdd.".. Street
Apt. No.
Da)'Iimc l'clcphonc ","umber
Extcnsioll
E-mail Address
50:"
SocialSccurityNumbcr
Spouse's
~amc
Zip Codc
Stale
City
';
'-,
0 ~1
Datc of Birth
OF
?vIa.
Yr.
Day
~...
'-
"
I Job 'l'itlc / Positiol1
Campus I Branch
l;.mploycr
YourPremiumAllocation-Choose OptionA OROptionB
OptionA -Create your ownallocation. (Use whole numbers only,)
Guaranteed
11:\,\
Traditional
I Equities
I Real Estate
CREF
CREf
'_0 Gro\'1R
GlobalEqUltlCS
CREF
;jtock
%
CREF
Equilylndc..
%
0/0
i
Equities 80FIXed
I FIXed Income
CREf
CREF
CRI~I:lnflation- CREF
SocialChoicc
Money~Iarkct Bond~1arkCl l.inkcd Bond
TIM
~
f.slatc
%
%
%
%=100%
OR
OptionB -Select an allocationfrom our sampleportfolios. These are examplcs and not recommendations. Your allocation
should reflect your personal goals and investment preferences.
0 Conservative
860%-TIAA
Tradition~1
.30%-CREF
Stock
810%-TIAA
Real Est3te
3.~
.
0 ModeratelyConservative 0 ModeratelyAggressive
YourBeneficiary(ies)
Name(s)of Primary Beneficiary(ies)
.45%-
TlAA
Traditional
450/b-CREF
I
Stock
.25%-
TIAA
e10%-TIAA
Traditional
e35%-CREF
Traditiona!
830%-CREF
Stock
0 20%-CREF
810%-TlAA
Real Estate
0 Aggressive
Global
Equities
0 15%-CREF
I
Stock
02O%-CREF
Global
Equities
0 25%-<:REF
Growth
Growth
810%-TlAA
Real Estate
e10%-TIAA
Real Estate
Relationshipto You
Date of Birth
Social Security Number
(If unavailable,provide laterj
Relationshipto You
Date of Birth
Social Security Number
(Ifunavailablc, providc later)
--
Namc(s)of Contingent Bcneficiary{ies)
OVER-PLEASE
~
Existing Contracts
~
"
~ ~. I I
\-Vill these annuity contracts replace an existing annuity contract or life insurance policy from another company? 0 Yes 0 No
l'rom what company?
Contract Number
,.'-~~
YOU~eemeiiiMiiSiglnature
This enrollment form is for contracts issued under~a retirement plan not covered by the Employee Relirement Income Securilv
..
Act of 1974 (ERISA). Gcnerally, retirement plans other than those of public institutions and certain churches are covered by
ERISA. If you are employed at D19lime by an employer whose retirement plan is covered by ERISA, your benefits from contributions madc under that plan will be subject to your spouse's rights. 77ziscould qffecty()ur bentflCi4rydeJignaJion
if you have named
someone other than your spouse.
These contracts do not provide for loans and cannot be assigned. Under federal la,\,; distributions before age 59'/2 or termination of cmployment may be prohibited, limited, a11d/or subject to substantial tax penalties. Your ability to make withdrawals and
transfcrs is subject to the terms of these contracts and may be limited. The TIAA annuity contract does not allow lump-sum cash
withdrawals from the TIM Traditional Annuity and transfers must be spread OYera ten-year period. TraJ1Sfersfrom the TIM
Real Estate Account and from all CREF accounts may be made in a lump sum.
CREF
investment
and
TIM
pcrformancc
RcaI
Estate
of tllese
account
accumulations
and
benefit
payments
are variable and
not guaranteed;
they
depend
on the
accounts.
I have read and understood all provisions of this enrollment
and a current Real Estate Account prospectus.
Si?;ned
form. I have received a current CREF prospectus
Datc
If you would like to receiveCREF's Statementof Additional Information, which supplementsthe CREF prospectus,check here. 0
&
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The TIA1-\ Real Estatc and CREF variablc annuities arc dist,-jbutcdby TIA1-\-CREF Individual & blstirulionaI SctViccs,Inc. This form muStbc
accompa,\icd or prcccded by CUlTentTIM Real Estatc a,~dCREF prospcctuscs.For additional copics,call 800 842-2733, cxtcl~sion5509.
You can also rcad or do\\1Jloadour prospectuseson our Wcb Centcr at '\'\II\"riaa<re£org:
1
t
-"
u
..
~
"0
~
ij~
-Ne\vYork,
730ThirdAvcnue
0
NY 10017-3206
Ensuring tht ftlure for IhosewIIo shapeie."-"
Standard RA (Non-ERISA) 6/01