Tax-Deferred Annuity Plan

If you participate in this plan, you made voluntary pretax contributions to Group Supplemental Retirement Annuity (GSRA) contracts, Retirement Annuity (RA) contracts, or mutual funds with TIAA-CREF and/or Vanguard. Upon retirement, you may elect to begin receiving a benefit from all or a portion of your accumulation, or defer receipt until the April 1 following the calendar year in which you attain age 70½. TIAA-CREF and Vanguard offer a range of payment options. You may also elect to provide a benefit to a designated beneficiary upon your death. In addition, you may receive a lump sum payment of all or a portion of your accumulation. Contact TIAA-CREF directly at 1-800-842-2776 or Vanguard at 1-800-523-1188 for additional information on retirement income options and for overall retirement planning assistance.

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