<SEC-DOCUMENT>0000930413-16-007700-index.html : 20160928
<SEC-HEADER>0000930413-16-007700.hdr.sgml : 20160928

<ACCEPTANCE-DATETIME>20160728154914

<PRIVATE-TO-PUBLIC>

ACCESSION NUMBER:		0000930413-16-007700

CONFORMED SUBMISSION TYPE:	485BPOS

PUBLIC DOCUMENT COUNT:		36

FILED AS OF DATE:		20160728

DATE AS OF CHANGE:		20160728

EFFECTIVENESS DATE:		20160801


FILER:


	COMPANY DATA:	

		COMPANY CONFORMED NAME:			TIAA-CREF FUNDS

		CENTRAL INDEX KEY:			0001084380

		IRS NUMBER:				134055167

		STATE OF INCORPORATION:			DE

		FISCAL YEAR END:			0930



	FILING VALUES:

		FORM TYPE:		485BPOS

		SEC ACT:		1933 Act

		SEC FILE NUMBER:	333-76651

		FILM NUMBER:		161790050



	BUSINESS ADDRESS:	

		STREET 1:		730 THIRD AVE.

		CITY:			NEW YORK

		STATE:			NY

		ZIP:			10017

		BUSINESS PHONE:		2129166746



	MAIL ADDRESS:	

		STREET 1:		730 THIRD AVE.

		CITY:			NEW YORK

		STATE:			NY

		ZIP:			10017



	FORMER COMPANY:	

		FORMER CONFORMED NAME:	TIAA CREF INSTITUTIONAL MUTUAL FUNDS

		DATE OF NAME CHANGE:	19990415




FILER:


	COMPANY DATA:	

		COMPANY CONFORMED NAME:			TIAA-CREF FUNDS

		CENTRAL INDEX KEY:			0001084380

		IRS NUMBER:				134055167

		STATE OF INCORPORATION:			DE

		FISCAL YEAR END:			0930



	FILING VALUES:

		FORM TYPE:		485BPOS

		SEC ACT:		1940 Act

		SEC FILE NUMBER:	811-09301

		FILM NUMBER:		161790051



	BUSINESS ADDRESS:	

		STREET 1:		730 THIRD AVE.

		CITY:			NEW YORK

		STATE:			NY

		ZIP:			10017

		BUSINESS PHONE:		2129166746



	MAIL ADDRESS:	

		STREET 1:		730 THIRD AVE.

		CITY:			NEW YORK

		STATE:			NY

		ZIP:			10017



	FORMER COMPANY:	

		FORMER CONFORMED NAME:	TIAA CREF INSTITUTIONAL MUTUAL FUNDS

		DATE OF NAME CHANGE:	19990415



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<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000005369

<SERIES-NAME>TIAA-CREF Real Estate Securities Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000014628

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIREX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000014629

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TCREX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000014630

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TRRSX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079553

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TRRPX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162546

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIRHX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000005372

<SERIES-NAME>TIAA-CREF Bond Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000014635

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIBDX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033991

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIDRX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033992

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIORX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079556

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIDPX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162549

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIBHX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000005373

<SERIES-NAME>TIAA-CREF Inflation-Linked Bond Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000014636

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIILX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000014637

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TCILX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033993

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIKRX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079557

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIKPX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162550

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIIHX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000005374

<SERIES-NAME>TIAA-CREF Money Market Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000014638

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TCIXX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033994

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIEXX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033995

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIRXX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079558

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TPPXX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162551

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TMHXX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000012195

<SERIES-NAME>TIAA-CREF Short-Term Bond Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033274

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TCTRX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033275

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TISRX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033276

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TISIX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079571

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSTPX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162566

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TCTHX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000012196

<SERIES-NAME>TIAA-CREF High-Yield Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033277

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIYRX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033278

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIHRX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033279

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIHYX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079572

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIHPX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162567

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIHHX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000012198

<SERIES-NAME>TIAA-CREF Bond Plus Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033283

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TCBPX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033284

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TCBRX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033285

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIBFX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079574

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TBPPX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162569

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TCBHX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000012199

<SERIES-NAME>TIAA-CREF Tax-Exempt Bond Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033286

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIXRX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000033287

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TITIX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162570

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIXHX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000026500

<SERIES-NAME>TIAA-CREF Bond Index Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079523

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TBIIX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079524

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TBIRX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079525

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TBIPX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000079526

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TBILX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162579

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TBIAX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000038169

<SERIES-NAME>TIAA-CREF Social Choice Bond Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000117721

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSBIX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000117722

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSBPX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000117723

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSBRX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000117724

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSBBX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162598

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSBHX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000050278

<SERIES-NAME>TIAA-CREF Short-Term Bond Index Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000158750

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TNSHX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000158751

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TPSHX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000158752

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TRSHX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000158753

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TESHX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000162603

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TTBHX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000054622

<SERIES-NAME>TIAA-CREF International Bond Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000171516

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIBNX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000171517

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIBWX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000171518

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIBLX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000171519

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIBEX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000171520

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TIBVX

</CLASS-CONTRACT>

</SERIES>

<SERIES>

<OWNER-CIK>0001084380

<SERIES-ID>S000054623

<SERIES-NAME>TIAA-CREF Small/Mid-Cap Equity Fund

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000171521

<CLASS-CONTRACT-NAME>Retirement Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSMOX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000171522

<CLASS-CONTRACT-NAME>Advisor Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSMNX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000171523

<CLASS-CONTRACT-NAME>Institutional Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSMWX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000171524

<CLASS-CONTRACT-NAME>Premier Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSMMX

</CLASS-CONTRACT>

<CLASS-CONTRACT>

<CLASS-CONTRACT-ID>C000171525

<CLASS-CONTRACT-NAME>Retail Class

<CLASS-CONTRACT-TICKER-SYMBOL>TSMEX

</CLASS-CONTRACT>

</SERIES>

</EXISTING-SERIES-AND-CLASSES-CONTRACTS>

</SERIES-AND-CLASSES-CONTRACTS-DATA>

</SEC-HEADER>

<DOCUMENT>
<TYPE>485BPOS
<SEQUENCE>1
<FILENAME>c85354_485bpos.htm
<TEXT>
Document 1 - file: c85354_485bpos.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(D)(77) <SEQUENCE>2 <FILENAME>c85354_ex99-d77.htm <TEXT> Document 2 - file: c85354_ex99-d77.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(D)(78) <SEQUENCE>3 <FILENAME>c85354_ex99-d78.htm <TEXT> Document 3 - file: c85354_ex99-d78.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(D)(79) <SEQUENCE>4 <FILENAME>c85354_ex99-d79.htm <TEXT> Document 4 - file: c85354_ex99-d79.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(E)(8) <SEQUENCE>5 <FILENAME>c85354_ex99-e8.htm <TEXT> Document 5 - file: c85354_ex99-e8.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(H)(27) <SEQUENCE>6 <FILENAME>c85354_ex99-h27.htm <TEXT> Document 6 - file: c85354_ex99-h27.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(I) <SEQUENCE>7 <FILENAME>c85354_ex99-i.htm <TEXT> Document 7 - file: c85354_ex99-i.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(J)(1) <SEQUENCE>8 <FILENAME>c85354_ex99-j1.htm <TEXT> Document 8 - file: c85354_ex99-j1.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(J)(2) <SEQUENCE>9 <FILENAME>c85354_ex99-j2.htm <TEXT> Document 9 - file: c85354_ex99-j2.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(L)(16) <SEQUENCE>10 <FILENAME>c85354_ex99-l16.htm <TEXT> Document 10 - file: c85354_ex99-l16.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(M)(46) <SEQUENCE>11 <FILENAME>c85354_ex99-m46.htm <TEXT> Document 11 - file: c85354_ex99-m46.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(M)(47) <SEQUENCE>12 <FILENAME>c85354_ex99-m47.htm <TEXT> Document 12 - file: c85354_ex99-m47.htm
</DOCUMENT> <DOCUMENT> <TYPE>EX-99.(N)(19) <SEQUENCE>13 <FILENAME>c85354_ex99-n19.htm <TEXT> Document 13 - file: c85354_ex99-n19.htm
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>16 <FILENAME>image_001.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 16 - file: image_001.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>17 <FILENAME>img_552a690644084.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 17 - file: img_552a690644084.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>18 <FILENAME>img_5c55006923404.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 18 - file: img_5c55006923404.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>19 <FILENAME>img_64ec9db612904.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 19 - file: img_64ec9db612904.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>20 <FILENAME>img_6626d7c8abc44.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 20 - file: img_6626d7c8abc44.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>21 <FILENAME>img_795f069ffcb34.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 21 - file: img_795f069ffcb34.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>22 <FILENAME>img_8b90cbab988b4.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 22 - file: img_8b90cbab988b4.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>23 <FILENAME>img_91fa0904062f4.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 23 - file: img_91fa0904062f4.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>24 <FILENAME>img_9c35eca836b14.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 24 - file: img_9c35eca836b14.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>25 <FILENAME>img_ad660300afae4.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 25 - file: img_ad660300afae4.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>26 <FILENAME>img_ba08e81597d84.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 26 - file: img_ba08e81597d84.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>27 <FILENAME>img_c84cedd6dc8a4.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 27 - file: img_c84cedd6dc8a4.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>28 <FILENAME>img_e303ea054fe54.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 28 - file: img_e303ea054fe54.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>29 <FILENAME>img_e98cd0fe96394.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 29 - file: img_e98cd0fe96394.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>30 <FILENAME>img_e9d8667fea614.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 30 - file: img_e9d8667fea614.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>31 <FILENAME>img_f8b80426c8984.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 31 - file: img_f8b80426c8984.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>32 <FILENAME>img_fa5ef31b82364.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 32 - file: img_fa5ef31b82364.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>33 <FILENAME>tiaa.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 33 - file: tiaa.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>34 <FILENAME>x1_c85354x45x1.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 34 - file: x1_c85354x45x1.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>35 <FILENAME>x1_c85354x69x1.jpg <DESCRIPTION>GRAPHIC <TEXT> Document 35 - file: x1_c85354x69x1.jpg
</DOCUMENT> <DOCUMENT> <TYPE>GRAPHIC <SEQUENCE>36 <FILENAME>image_001.gif <DESCRIPTION>GRAPHIC <TEXT> Document 36 - file: image_001.gif
</DOCUMENT> <DOCUMENT> <TYPE>COVER <SEQUENCE>37 <FILENAME>filename37.htm <TEXT> Document 37 - file: filename37.htm
</DOCUMENT> <DOCUMENT> <TYPE>CORRESP <SEQUENCE>38 <FILENAME>filename38.htm <TEXT> Document 38 - file: filename38.htm
</DOCUMENT> </SEC-DOCUMENT>