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        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
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      <managementInvestmentQuestion>
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        <mgmtInvSeriesId>S000005088</mgmtInvSeriesId>
        <mgmtInvLei>549300QS088Z3O8G7484</mgmtInvLei>
        <isFirstFilingByFund>Y</isFirstFilingByFund>
        <numAuthorizedClass>0</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
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          <sharesOutstanding sharesOutstandingClassName="N/A" sharesOutstandingClassId="C000013875" sharesOutstandingTickerSymbol="TLGQX"/>
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          <fundType>Underlying fund</fundType>
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        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
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          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
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          <securityLending>
            <securitiesAgentName>STATE STREET BANK AND TRUST CO.</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</securitiesAgentLei>
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            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
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                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
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        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
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        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
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        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
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        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
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            <investmentAdviserName>Teachers Advisors, LLC</investmentAdviserName>
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            <transferAgentName>DST Systems, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
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        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
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            <pricingServiceName>Thomson Reuters</pricingServiceName>
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            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
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        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
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            <custodianName>STATE STREET BANK AND TRUST COMPANY</custodianName>
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            <custodianCountry>GB</custodianCountry>
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            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
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            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
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            <custodianCountry>DK</custodianCountry>
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            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>CITIBANK,N.A.</custodianName>
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            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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            <custodianName>STATE STREET BANK AND TRUST CO.</custodianName>
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            <isCustodianAffiliated>N</isCustodianAffiliated>
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            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
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        <isSwingPricing>N</isSwingPricing>
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      <managementInvestmentQuestion>
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                <creditUser fundName="TIAA-CREF International Bond Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Life Large-Cap Value Fund" secFileNo="811-08961"/>
                <creditUser fundName="TIAA-CREF Real Estate Securities Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2050 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Mid-Cap Growth Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2050 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Large-Cap Value Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2055 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Social Choice Bond Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifestyle Conservative Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2010 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2030 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2015 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Green Bond Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Quant International Small-Cap Equity Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifestyle Aggressive Growth Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2020 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Short-Term Bond Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2060 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2045 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Money Market Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Large-Cap Growth Index Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF 5-15 Year Laddered Tax-Exempt Bond Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2015 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Quant Small-Cap Equity Fund" secFileNo="811-09301"/>
                <creditUser fundName="College Retirement Equities Fund Bond Market Account" secFileNo="811-04415"/>
                <creditUser fundName="TIAA-CREF Bond Plus Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2045 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Social Choice Low Carbon Equity Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Emerging Markets Debt Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Large-Cap Value Index Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Small-Cap Blend Index Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Emerging Markets Equity Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Life Growth &amp; Income Fund" secFileNo="811-08961"/>
                <creditUser fundName="TIAA-CREF Equity Index Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2030 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF International Equity Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Bond Index Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Social Choice Equity Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2025 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2040 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Life International Equity Fund" secFileNo="811-08961"/>
                <creditUser fundName="TIAA-CREF Large-Cap Growth Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifestyle Moderate Fund" secFileNo="811-09301"/>
                <creditUser fundName="College Retirement Equities Fund Money Market Account" secFileNo="811-04415"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2055 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2035 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2010 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2025 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Life Bond Fund" secFileNo="811-08961"/>
                <creditUser fundName="TIAA-CREF Life Small-Cap Equity Fund" secFileNo="811-08961"/>
                <creditUser fundName="TIAA-CREF Lifestyle Growth Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Growth &amp; Income Fund" secFileNo="811-09301"/>
                <creditUser fundName="College Retirement Equities Fund Global Equities Account" secFileNo="811-04415"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2035 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index Retirement Income Fund" secFileNo="811-09301"/>
                <creditUser fundName="College Retirement Equities Fund Stock Account" secFileNo="811-04415"/>
                <creditUser fundName="TIAA-CREF International Equity Index Fund" secFileNo="811-09301"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>International Equity Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000005091</mgmtInvSeriesId>
        <mgmtInvLei>549300CRUDR5NI8MIF30</mgmtInvLei>
        <isFirstFilingByFund>Y</isFirstFilingByFund>
        <numAuthorizedClass>0</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="N/A" sharesOutstandingClassId="C000013878" sharesOutstandingTickerSymbol="TLINX"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>STATE STREET BANK AND TRUST CO.</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="STATE STREET BANK AND TRUST CO." collateralManagerLei="571474TGEMMWANRLN572" isCollateralManagerAffliliated="Y" isCollateralManagerAffliliatedWithFund="N"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>1629446.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>27555.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>Teachers Advisors, LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-46887</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000107157</investmentAdviserCrdNo>
            <investmentAdviserLei>Q3EVPQI7HQSIMVRLOU14</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>DST Systems, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>21B7QCD05XOK0YTYOP98</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Thomson Reuters</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>STATE STREET BANK AND TRUST CO.</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK S.P.A.</custodianName>
            <custodianLei>529900SS7ZWCX82U3W60</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK SOCIEDAD ANONIMA ESPA</custodianName>
            <custodianLei>529900SICIK5OVMVY186</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>CITIBANK MAGHREB</custodianName>
            <custodianLei>5493003FVWLMBFTISI11</custodianLei>
            <custodianCountry>MA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG, TAIPEI BRANCH</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>CITIBANK NA SAO PAULO BRAZIL</custodianName>
            <custodianLei>579100KKDGKCFFKKF005</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>STANDARD CHARTERED BANK MALAYSIA BE</custodianName>
            <custodianLei>549300JTJBG2QBI8KD48</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>SKANDINAVISKA ENSKILDA BANKEN</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>NO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>CANADA SELF CUSTODY - CDSX</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>STANDARD CHARTERED BANK (THAI) PCL</custodianName>
            <custodianLei>549300O1LQYCQ7G1IM57</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>CITIBANK,N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>EUROCLEAR</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>CITIBANK NA LIMA</custodianName>
            <custodianLei>MYTK5NHHP1G8TVFGT193</custodianLei>
            <custodianCountry>PE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>BNP PARIBAS SECURITIES SERVICES, GR</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
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            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>UBS SWITZERLAND AG</custodianName>
            <custodianLei>549300WOIFUSNYH0FL22</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>CITIBANK A.S.</custodianName>
            <custodianLei>CWZ8NZDH5SKY12Q4US31</custodianLei>
            <custodianCountry>TR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>ITAU CORPBANCA (FORMERLY BANCO ITAU</custodianName>
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            <custodianCountry>CL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
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          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
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            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>HSBC BANK EGYPT S.A.E</custodianName>
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            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>BANK HAPOALIM B.M.</custodianName>
            <custodianLei>B6ARUI4946ST4S7WOU88</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
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            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>HONGKONG AND SHANGHAI BANKING CORPO</custodianName>
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            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>BANK HANDLOWY W WARSZAWIE SA</custodianName>
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            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>SKANDINAVISKA ENSKILDA BANKEN AB</custodianName>
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            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>CLEARSTREAM BANKING AG</custodianName>
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            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>MIZUHO BANK, LTD.(CUSTODY)</custodianName>
            <custodianLei>RB0PEZSDGCO3JS6CEU02</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
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          <custodian>
            <custodianName>SKANDINAVISKA ENSKILDA BANKEN</custodianName>
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            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
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                <creditUser fundName="TIAA-CREF Lifecycle 2020 Fund" secFileNo="811-09301"/>
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                <creditUser fundName="TIAA-CREF Mid-Cap Value Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Life Large-Cap Value Fund" secFileNo="811-08961"/>
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                <creditUser fundName="TIAA-CREF Managed Allocation Fund" secFileNo="811-09301"/>
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                <creditUser fundName="TIAA-CREF Lifestyle Growth Fund" secFileNo="811-09301"/>
                <creditUser fundName="College Retirement Equities Fund Money Market Account" secFileNo="811-04415"/>
                <creditUser fundName="TIAA-CREF Lifestyle Aggressive Growth Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Life Small-Cap Equity Fund" secFileNo="811-08961"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2010 Fund" secFileNo="811-09301"/>
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                <creditUser fundName="TIAA-CREF Lifecycle Index 2050 Fund" secFileNo="811-09301"/>
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                <creditUser fundName="TIAA-CREF Lifecycle 2045 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF 5-15 Year Laddered Tax-Exempt Bond Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Real Estate Securities Fund" secFileNo="811-09301"/>
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                <creditUser fundName="TIAA-CREF Lifecycle 2035 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Money Market Fund" secFileNo="811-09301"/>
                <creditUser fundName="College Retirement Equities Fund Stock Account" secFileNo="811-04415"/>
                <creditUser fundName="TIAA-CREF Bond Index Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2040 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Emerging Markets Debt Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Life Real Estate Securities Fund" secFileNo="811-08961"/>
                <creditUser fundName="TIAA-CREF Social Choice Bond Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle Index 2045 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2015 Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Social Choice International Equity Fund" secFileNo="811-09301"/>
                <creditUser fundName="College Retirement Equities Fund Inflation-Linked Bond Account" secFileNo="811-04415"/>
                <creditUser fundName="TIAA-CREF Social Choice Equity Fund" secFileNo="811-09301"/>
                <creditUser fundName="TIAA-CREF Life Balanced Fund" secFileNo="811-08961"/>
                <creditUser fundName="TIAA-CREF Lifecycle 2060 Fund" secFileNo="811-09301"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
    </managementInvestmentQuestionSeriesInfo>
    <signature registrantSignedName="TIAA-CREF LIFE FUNDS" signedDate="2018-12-31" signature="E. Scott Wickerham" title="Managing Director and Funds' Treasurer"/>
  </formData>
</edgarSubmission>
