USD Men's Basketball 2000-2001

BECAUSE TOMORRow' s HERE SOONER THAN YOU THINK

REMEMBER TIAA-CREF. TIAA-CREF has been the retirement system of choice for millions of educators and researchers for over 80 years. The TIAA-CREF group of companies has a r roven history of helping people plan for tomorrow. Today, our mutual fund s, IRAs, personal retirement annuities,t trust services and tuition pl ans are avail able to everyone. TIAA-CREP pension accounts have some of the lowest expense charges in the fin anci al services industry, one of the reasons why Morningstar says that "TIAA-CREF sets the standard in the financial services industry." * Call 800 226-0 147 fo r more information about TIAA-CREF's products and services, including charges and expenses, or fo r mutual fund and personal annuity prospectuses. Please read them carefull y before you invest or send money. Isn't that a tomorrow you can't live without ?

Ii Ensuring the future for those who shape it.'"

TUITION FINANCING

MUTUAL FUNDS

TRUST SERVICES

INSURANCE

RETIREMENT

Past performance is not aguarantee of future results. t Availability sub1ect to state approval *Source: Morningstar. June 2000, referring to the TIAA-CREF pension accounts' consumer education.service and low fees flAA-CREF lnd1v1dual and Institutional Services. Inc.distributesCREF and TIAA Real Estate variable annuities • Teachers Personal Investor Services, Inc. distributes the Personal Annuities variable annuities, Mutual Funds, and Tuition Savings Agreements. • TIAA and TIAA-CREF Life Insurance Co. issue insurance and annu1t1es. • TIAA-CREF Trust Company, FSB provides Trust Services. © 2000 TIAA-CREF and TIAA-CREF Life Insurance Companies, NY. NY • Investment products are not FDIC insured, may lose value and are not bank guaranteed.

800 226-0147 www t1aa cref org

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~ _THAT TIAA-CREF proudly sponsors ( -----2:) ·~ONEV A new and informative newsmagazine about money every week on PBS '----._ti> s H O w [check local listings for airtimes]