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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 & '" c.. "E ~ u ~ "5 " ~ "E ~ z>- ~- ~ ~ Z "S' s :.. .~ 'g. ~ u ~ .g ~ ~ " ~ Q J.§ .~ ~ <: ==- .~ = < "S' .. ~ § 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