USD Men's Basketball 1999-2000

It seems the financial world's

best kept secret

For 80 years TIAA-CREF

served the pension, insurance,

is no longer a secret.

and investing needs of people

in education and research

exclusively, so we kept a low

profile. But you'll be hearing a

"Now you can invest with the best: pension-fund manager TIAA-CREF has standout stock funds." - Time, August 1998

lot more about us now because

our mutual funds , personal

annuities,* and other products

are available to everyone. And

now the "secret" is out. If you'd

like to see why everyone is

talking about TIAA-CREF, call

"

its customer service arguably second to none." - The Economist, May 1998

800 226-0147. We'll send you

more complete information

about TIAA-CREF's products

and services, including

charges and expenses, or you

can request our mutual fund

and personal annuity prospec–

tuses. Please read them

"TIAA-CREF sets the standard in the financial services industry." - Morningstar, January 1998

carefully before you invest or

send money.

www.tiaa-cref.org

ii Ensuring the future for those who shape it.SM