Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.
 

‡ Deposit and lending services and products are provided by TIAA Direct®, a division of TIAA-CREF Trust Company, FSB. Member FDIC. Equal Housing Lender .
 

The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.
 

TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.
 

Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.
 

TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

Read the TIAA-CREF Individual & Institutional Services, LLC unaudited Statement of Financial Condition as of December 31, 2015.

Read the Statement of Financial Condition (Unaudited) June 30, 2015 .

©2016 and prior years, Teachers Insurance and Annuity Association of America - College Retirement Equities Fund, New York, NY 10017.