TIAA CREF

UNDERWRITING AND ADMINISTERING INSURANCE, NAMELY, LIFE, HEALTH AND ANNUITIES; PROVIDING FINANCIAL SERVICES, NAMELY, INVESTMENT, ADMINISTRATION, DISTRIBUTION AND OVERSEEING OF INVESTMENT VEHICLES, NAMELY, MUTUAL FUNDS AND ANNUITIES, TO SPONSORS AND PARTICIPANTS OF RETIREMENT AND DEFERRED COMPENSATION PLANS AND TO THE GENERAL PUBLIC; ADMINISTERING TRUSTS AND TUITION FINANCE PROGRAMS FOR OTHERS; BROKER/DEALER AND OTHER SERVICES FOR A VARIETY OF INVESTMENT VEHICLES, NAMELY, MUTUAL FUNDS, AND FIXED AND VARIABLE ANNUITIES