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 Individual 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 them carefully before investing. © 2002 Teachers Insurance and Annuity Association-Coliege Retirement Equities Fund (TIAA-CREF). 730 Third Avenue, New York, NY 10017

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