INVESTMENT STRATEGIES THAT ARE CLEAR AND CONCISE EVEN IF OUR NAME ISN’T / Aside from our name, we’ve always been in favor of making things simple. So contact us for smart, easy investment techniques to help you reach your financial goals. TIAA-CREF.org or call (800) 842-2776 Managing money for people ' with other things to think about" RETIREMENT I INSURANCE I MUTUAL FUNDS I COLLEGE SAVINGS I TRUSTS I INVESTMENT MANAGEMENT TIAA-CREF individuai and Institutional Services, Inc. and Teachers Personal Investors Services, Inc. distribute securities products. For more information, call (800) 842-2733, ext. 5509, for prospectuses. Read tliem carefully before investing. © 2002 Teachers insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY 10017