<Date>
<First Name Last Name>
<Address Line 1>
<Address Line 2>
<City, State Zip>
Important notice about the Central Michigan University Retirement Plans
Dear <First Name Last Name>:
Central Michigan University will make several changes to the Central Michigan University Retirement
Plans effective January 5, 2016.
TIAA-CREF and the employers we serve routinely look for ways to improve the design and
operation of retirement plans. Changes may be prompted by new regulations, technology and/or
research on how participants interact with their retirement plans. Typically, plan sponsors conduct
careful reviews before introducing the kinds of changes described below.
Highlights:
 The TIAA-CREF Retirement Share Class will be replaced by the lower-cost TIAA-CREF
Premier Share Class.
 A new investment option will be introduced.
To learn more about these changes and how they will impact your account, you can speak to one
of our financial consultants over the phone or in person by calling TIAA-CREF at 800 842-2252,
Monday to Friday, 8 a.m. to 10 p.m. or Saturday, 9 a.m. to 6 p.m. (ET).
And in greater detail:
1. Share Class change
Starting January 5, 2016, the TIAA-CREF Retirement Share Class investment options will be
replaced by the lower-cost TIAA-CREF Premier Share Class.
Assets and future contributions
Any assets and any future contributions to the affected investment options will be directed to the
Premier Share Class of the same funds. Investment strategies for the Premier Share Class are
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identical to those of the current Retirement Share Class. And, of course, you can change your
investment options at any time.
See the following chart for information on how your assets and any future contributions may
be affected:
Current Investment Option
Ticker
Symbol
Replacement Investment Option
Ticker
Symbol
TIAA-CREF Bond Plus Fund –
Retirement Class
TCBRX

TIAA-CREF Bond Plus Fund –
Premier Class
TBPPX
TIAA-CREF Bond Fund –
Retirement Class
TIDRX

TIAA-CREF Bond Fund – Premier
Class
TIDPX
TIAA-CREF Emerging Markets
Equity Index Fund – Retirement
Class
TEQSX

TIAA-CREF Emerging Markets Equity
Index Fund – Premier Class
TEQPX
TIAA-CREF Emerging Markets
Equity Fund – Retirement Class
TEMSX

TIAA-CREF Emerging Markets Equity
Fund – Premier Class
TEMPX
TIAA-CREF Equity Index Fund –
Retirement Class
TIQRX

TIAA-CREF Equity Index Fund –
Premier Class
TCEPX
TIAA-CREF Growth & Income
Fund – Retirement Class
TRGIX

TIAA-CREF Growth & Income Fund –
Premier Class
TRPGX
TIAA-CREF High-Yield Fund –
Retirement Class
TIHRX

TIAA-CREF High-Yield Fund –
Premier Class
TIHPX
TIAA-CREF Inflation-Linked Bond
Fund – Retirement Class
TIKRX

TIAA-CREF Inflation-Linked Bond
Fund – Premier Class
TIKPX
TIAA-CREF International Equity
Index Fund – Retirement Class
TRIEX

TIAA-CREF International Equity Index
Fund – Premier Class
TRIPX
TIAA-CREF International Equity
Fund – Retirement Class
TRERX

TIAA-CREF International Equity
Fund – Premier Class
TREPX
TIAA-CREF Large-Cap Growth
Fund – Retirement Class
TILRX

TIAA-CREF Large-Cap Growth Fund
– Premier Class
TILPX
TIAA-CREF Large-Cap Value
Fund – Retirement Class
TRLCX

TIAA-CREF Large-Cap Value Fund –
Premier Class
TRCPX
TIAA-CREF Lifecycle 2010 Fund –
Retirement Class
TCLEX

TIAA-CREF Lifecycle 2010 Fund –
Premier Class
TCTPX
TIAA-CREF Lifecycle 2015 Fund –
Retirement Class
TCLIX

TIAA-CREF Lifecycle 2015 Fund –
Premier Class
TCFPX
TIAA-CREF Lifecycle 2020 Fund –
Retirement Class
TCLTX

TIAA-CREF Lifecycle 2020 Fund –
Premier Class
TCWPX
TIAA-CREF Lifecycle 2025 Fund –
Retirement Class
TCLFX

TIAA-CREF Lifecycle 2025 Fund –
Premier Class
TCQPX
TIAA-CREF Lifecycle 2030 Fund –
Retirement Class
TCLNX

TIAA-CREF Lifecycle 2030 Fund –
Premier Class
TCHPX
TIAA-CREF Lifecycle 2035 Fund –
Retirement Class
TCLRX

TIAA-CREF Lifecycle 2035 Fund –
Premier Class
TCYPX
TIAA-CREF Lifecycle 2040 Fund –
Retirement Class
TCLOX

TIAA-CREF Lifecycle 2040 Fund –
Premier Class
TCZPX
TIAA-CREF Lifecycle 2045 Fund –
Retirement Class
TTFRX

TIAA-CREF Lifecycle 2045 Fund –
Premier Class
TTFPX
TIAA-CREF Lifecycle 2050 Fund –
Retirement Class
TLFRX

TIAA-CREF Lifecycle 2050 Fund –
Premier Class
TCLPX
TIAA-CREF Lifecycle 2055 Fund –
Retirement Class
TTRLX

TIAA-CREF Lifecycle 2055 Fund –
Premier Class
TTRPX
TIAA-CREF Lifecycle Retirement
Income Fund – Retirement Class
TLIRX

TIAA-CREF Lifecycle Retirement
Income Fund – Premier Class
TPILX
TIAA-CREF Mid-Cap Growth
Fund – Retirement Class
TRGMX

TIAA-CREF Mid-Cap Growth Fund –
Premier Class
TRGPX
TIAA-CREF Mid-Cap Value
Fund – Retirement Class
TRVRX

TIAA-CREF Mid-Cap Value Fund –
Premier Class
TRVPX
2
TIAA-CREF Real Estate
Securities Fund – Retirement
TRRSX

TIAA-CREF Real Estate Securities
Fund – Premier Class
TRRPX
TIAA-CREF Short-Term Bond
Fund – Retirement Class
TISRX

TIAA-CREF Short-Term Bond Fund –
Premier Class
TSTPX
TIAA-CREF Small-Cap Equity
Fund – Retirement Class
TRSEX

TIAA-CREF Small-Cap Equity Fund –
Premier Class
TSRPX
TIAA-CREF Social Choice Equity
Fund – Retirement Class
TRSCX

TIAA-CREF Social Choice Equity
Fund – Premier Class
TRPSX
2. Central Michigan University will add a new investment option.
Starting January 5, 2016, a new investment option will be added to your retirement plans.
New Investment Option
TIAA-CREF Lifecycle 2060 Fund – Premier Class
Ticker Symbol
TLXPX
How to research the new investment options and update your account
Online:
To learn more about the new investment options, go to tiaa-cref.org. Select Research &
Performance then Market Research. You can then enter the name or ticker symbol of the
investment options in the search field.
To update your retirement portfolio online, log in to the secure section of the website, where you
can change the direction of future contributions and/or transfer existing assets.
Phone:
If you prefer, you can update your retirement portfolio by calling TIAA-CREF at 800 842-2252,
Monday to Friday, 8 a.m. to 10 p.m. or Saturday, 9 a.m. to 6 p.m. (ET).
In person:
To schedule an individual consultation, call 800 732-8353, Monday to Friday, 8 a.m. to 8 p.m.
(ET). You can also schedule a meeting online at www.tiaa-cref.org/schedulenow.
Important Note: If you have a foreign mailing address on file, there may be restrictions on
investing in the new options. Please call TIAA-CREF for more information at 212 490-9000,
Monday to Friday, 8 a.m. to 8 p.m. or Saturday, 9 a.m. to 6 p.m. (ET).
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Investment, insurance 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.
Investment products may be subject to market and other risk factors. See the applicable product literature or visit
www.tiaa-cref.org/cmich for details.
You should consider the investment objectives, risks, charges and expenses carefully
before investing. Please call 877 518-9161 or go to www.tiaa-cref.org/cmich for current
product and fund prospectuses that contain this and other information. Please read the
prospectuses carefully before investing.
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 is solely responsible for its own financial condition and contractual obligations.
Brokerage Services are provided by TIAA-CREF Brokerage Services, a division of TIAA-CREF Individual &
Institutional Services, LLC. Member FINRA/SIPC.
©2015 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund (TIAA-CREF),
730 Third Avenue, New York, NY 10017
C21764
141010690
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