Start planning today to save more for tomorrow For early career employees at the University of Northern Iowa TIAA-CREF Financial Essentials

Who we are  Today, 3.7 million individuals and more than 15,000 institutions rely on TIAA-CREF.  Since 1918, TIAA-CREF participants have received a total of $316.8 billion in annuity payments and other benefits.*  Over 95 years of service to education, research and cultural institutions. Founded by Andrew Carnegie Foundation.  One of the world’s largest retirement systems, with more than $520 billion in combined assets* Start Today *As of December 31, Other benefits from TIAA and CREF include: Additional amounts paid on TIAA Traditional annuity contracts above the guaranteed rate, surrender benefits and other withdrawals, death benefits, health insurance and disability insurance benefits, and all other policy proceeds paid.

Defined Contribution Plan: If you elect to enroll with TIAA-CREF: Contributions:Employee = 3/33% on the first $4,800, then 5% UNI = 6.66% on the first $4,800, then 10% thereafter. You are immediately vested in all contributions! Contributions are allocated to the appropriate age-based TIAA-CREF Lifecycle fund as a default. Your estate is the designated beneficiary as a default. It is important to update your allocation and your beneficiary designation. You bear the investment risk which can result in higher or lower balances. Investing in securities involves risk including loss of principal. This slide highlights only some features of the plan. Please consult the respective plan documents for a more complete description. In the event of any inconsistency between this summary and the plan documents, the plan documents will govern.

How TIAA-CREF helps you plan  History of consistent mutual fund and variable annuity performance*  Some of the industry’s lowest expenses**  Personal, objective advice  A wide array of products  Availability to meet at our office or yours TIAA-CREF Advantage * Past performance does not guarantee future results. ** The expense ratio on all mutual fund products and Variable Annuity Accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. Source: Morningstar Direct (September 2012), based on Morningstar expense comparisons by category.

We offer a variety of savings choices TIAA-CREF Advantage * Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for Federal Securities Law purposes. Investment option availability is subject to your institution’s plan provisions and contract type. Real estate securities are subject to various risks, including fluctuations in property values, higher expenses or lower income than expected, and potential environmental problems and liability. Investments in mutual funds and variable annuities involve market and other risks. Because their social screens exclude some investments, the CREF Social Choice Account may not be able to take advantage of the same opportunities or market trends as accounts that do not use such criteria. TIAA Traditional Annuity Seeks to provide stability through guaranteed* returns, which can serve as the foundation of a diversified portfolio. TIAA Real Estate Account (variable annuity) Diversification in directly owned commercial real estate investments for rental income and capital appreciation. CREF Social Choice Account (variable annuity) Socially responsible investing that screens the types of companies and investments the account will hold.

Allocation strategies with TIAA-CREF Annuity Accounts Allocate assets instead of timing the market * Guarantees based upon TIAA’s claims-paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for Federal Securities Law purposes. ** NOTE: An investment in the CREF Money Market Account is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Payments from the variable annuity accounts are not guaranteed and will rise or fall based on investment performance. Real EstateGuaranteedMoney MarketFixed IncomeEquities TIAA Traditional Annuity* TIAA Real Estate CREF Money Market** CREF Bond Market Inflation-Linked Bond CREF Growth CREF Equity Index CREF Global Equities CREF Stock CREF Social Choice Risk level Low High

Two ways to allocate your portfolio  Choose a Lifecycle Fund — A one-step investment choice  Create your own — customize your allocation to your preferences  Asset Allocation Evaluator at tiaa-cref.org.  Complete the Risk Tolerance Questionnaire.  Select the investment choices based on the asset classes in the portfolio and your individual risk profile.  Let us help you design a portfolio that’s right for you. Asset Allocation

Lifecycle Funds provide age-appropriate allocations As with all mutual funds, the principal value of a Lifecycle Fund isn’t guaranteed. Also, please note that the target date of the Lifecycle Fund is an approximate date when investors may plan to begin withdrawing from the fund. Approximately seven to ten years after a Lifecycle Fund’s target date, the fund may merge into the Lifecycle Retirement Income Fund or a similar fund. Fixed-Income Funds Equity Funds 2055 Fund2045 Fund2040 Fund2035 Fund 2030 Fund2025 Fund2020 Fund2015 Fund 2010 Fund Retirement Income Fund 2050 Fund Asset Allocation The charts are only visual representations of the target date, fixed income and equity percentages. Please refer to the prospectus for the funds for more details on asset allocation for each of the target date funds. TIAA-CREF Lifecycle Funds share the risks associated with the types of securities held by each of the underlying funds in which they invest. In addition to the fees and expenses associated with the Lifecycle Funds, there is exposure to the fees and expenses associated with the underlying mutual funds as well.

Online tools to help you plan for retirement Asset allocation evaluator Recommends a portfolio of investments in just a few minutes to help you develop a portfolio that fits your investment style Retirement goal evaluator Helps you determine whether you’re saving enough to meet your goals Maximize tax deferral calculators Shows you how to take full advantage of your retirement plan contributions Visit tiaa-cref.org for these and additional tools to help you effectively save for retirement Asset Allocation

At no additional cost to you, our advice and guidance can help you achieve your goals  Receive objective and personalized recommendations  Determine if you’re saving enough to achieve your goals  Choose the appropriate investment mix  Consolidate assets, where appropriate, to better manage your portfolio Start Today

Sign up for your plan today  No One Can Make This Decision For You  If you choose the defined contribution plan, it’s easy to sign up with TIAA-CREF.  If you’re still undecided, please let us know how we can help. We can give you the guidance and information you need to help make your decision.  Remember, you have only 30 days from your hire date to decide!  Remember, your decision is irrevocable. Start Today

To enroll with TIAA-CREF, complete the Retirement Benefit Election form AND enroll on-line via this micro site.

Enroll now For an appointment, call the local TIAA-CREF office: nd St., Suite 350 Coralville, IA 52241

Enroll now Get started today  Sign up right now  Call us at  Visit us at tiaa-cref.org

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tiaa-cref.org © 2013 Teachers Insurance and Annuity Association – College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY C7734 TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit tiaa-cref.org for details. Investment products, insurance products and annuity products: are not FDIC insured, are not bank guaranteed, are not bank deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call or visit for a prospectus that contains this and other information. Please read the prospectus carefully before investing. TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY..