Common use of Investment Allocation Clause in Contracts

Investment Allocation. For transfers from an existing Traditional ▇▇▇ held by another institution or a direct rollover from a retirement plan, please fill out only the Investment Allocation section on the ▇▇▇ Asset Transfer Form. The minimum investment per fund is $2,000 unless you’re electing to make contributions through the Automatic Investment Plan. (Please complete Sections 5 and 6.) Please enclose a check payable to: TIAA-CREF Funds. Please note: Third-party checks or any check not made payable to TIAA-CREF Funds can be accepted for subsequent purchases only and if $10,000 or less. Cashier’s checks can be accepted if $10,000 or less. All purchases must be in U.S. dollars, and all checks must be drawn on U.S. banks. TIAA-CREF Funds will not accept payment in the following forms: traveler’s checks, money orders, credit card convenience checks, cash, counter checks virtual currency (such as Bitcoin), or starter checks. TIAA-CREF Funds will not accept corporate checks for investment into non-corporate accounts. Payment from a Transfer: (Please complete form A11745 for transfers. Note: A separate transfer form is required for each transfer.) Existing Mutual Fund ▇▇▇ Account Number Existing other TIAA ▇▇▇ Account Transfer from a Non-TIAA Account. (Please include a copy of the current custodian’s statement.) Please check here to set this allocation for future investments unless other instructions are received. RETAIL CLASS FUND NAME (FUND CODE) AMOUNT PERCENT Bond Index (91) $ Core Bond (66)* $ Core Impact Bond (45)* $ Core Plus Bond (96)* $ Emerging Markets Debt (2794) $ Emerging Markets Equity (67) $ Emerging Markets Equity Index (69) $ Equity Index (65) $ Green Bond (2608) $ Growth & Income (64) $ High-Yield (95) $ Inflation-Linked Bond (90) $ International Bond (2957) $ International Equity (61) $ International Opportunities (49) $ Large-Cap Growth (68) $ FUND NAME (FUND CODE) AMOUNT PERCENT % Large-Cap Value (85) $ % % Lifecycle Retirement Income (70) $ % % Lifestyle Aggressive Growth (94) $ % % Lifestyle Conservative (78) $ % % Lifestyle Growth (93) $ % % Lifestyle Income (77) $ % % Lifestyle Moderate (79) $ % % Managed Allocation (99) $ % % Mid-Cap Growth (86) $ % % Mid-Cap Value (87) $ % % Money Market (63) $ % Quant International Small-Cap % Equity (2966) $ % % Quant Small-Cap Equity (88) $ % % Equity (2956) $ % % Real Estate Securities (89) $ % % Bond (2609) $ %

Investment Allocation. For transfers from an existing Traditional Traditiona▇ ▇▇▇ RA held by another institution or a direct rollover from a retirement plan, please fill out only the Investment Allocation section on the th▇ ▇▇▇ RA Asset Transfer Form. The minimum investment per fund is $2,000 unless you’re electing to make contributions through the Automatic Investment Plan. (Please complete Sections 5 and 6.) Please enclose a check payable to: TIAA-CREF Funds. Please note: Third-party checks or any check not made payable to TIAA-CREF Funds can be accepted for subsequent purchases only and if $10,000 or less. Cashier’s checks can be accepted if $10,000 or less. All purchases must be in U.S. dollars, and all checks must be drawn on U.S. banks. TIAA-CREF Funds will not accept payment in the following forms: traveler’s checks, money orders, credit card convenience checks, cash, counter checks virtual currency (such as Bitcoin), or starter checks. TIAA-CREF Funds will not accept corporate checks for investment into non-corporate accounts. Payment from a Transfer: (Please complete form A11745 for transfers. Note: A separate transfer form is required for each transfer.) Existing Mutual Fund Fun▇ ▇▇▇ RA Account Number Existing other TIAA TIA▇ ▇▇▇ RA Account Transfer from a Non-TIAA Account. (Please include a copy of the current custodian’s statement.) Please check here to set this allocation for future investments unless other instructions are received. RETAIL CLASS FUND NAME (FUND CODE) AMOUNT PERCENT Bond Index (91) $ Core Bond (66)* $ Core Impact Bond (45)* $ Core Plus Bond (96)* $ Emerging Markets Debt (2794) $ Emerging Markets Equity (67) $ Emerging Markets Equity Index (69) $ Equity Index (65) $ Green Bond (2608) $ Growth & Income (64) $ High-Yield (95) $ Inflation-Linked Bond (90) $ International Bond (2957) $ International Equity (61) $ International Opportunities (49) $ Large-Cap Growth (68) $ FUND NAME (FUND CODE) AMOUNT PERCENT % Large-Cap Value (85) $ % % Lifecycle Retirement Income (70) $ % % Lifestyle Aggressive Growth (94) $ % % Lifestyle Conservative (78) $ % % Lifestyle Growth (93) $ % % Lifestyle Income (77) $ % % Lifestyle Moderate (79) $ % % Managed Allocation (99) $ % % Mid-Cap Growth (86) $ % % Mid-Cap Value (87) $ % % Money Market (63) $ % Quant International Small-Cap % Equity (2966) $ % % Quant Small-Cap Equity (88) $ % % Equity (2956) $ % % Real Estate Securities (89) $ % % Bond (2609) $ %