Ball State University
Tier2-3: Socially Responsible Retirement Plan

TIAA-CREF has a long-standing commitment to socially responsible investing (SRI) that is consistent with our nonprofit heritage and unwavering mission to serve those who serve the greater good. Our SRI program combines three complementary strategies: social screening, shareholder advocacy and community investing. This globally integrated approach seeks to influence positive social change in the countries and communities in which we invest while helping our clients achieve their goal of a safe and secure retirement. SOCIAL SCREENING GOAL: Provide competitive returns aligned with investors' values through comprehensively screened investment options that give special consideration to companies’ environmental, social and governance (ESG) records SHAREHOLDER ADVOCACY GOAL: Promote long-term investment value by exercising our shareholder rights to influence the ESG policies of the companies in which we invest across the entire TIAA-CREF portfolio – not just in our socially screened offerings COMMUNITY INVESTING GOAL: Deliver a combination of competitive returns and positive social impact through focused investment programs1 1 Currently funded through the TIAA General Account, and through targeted investments in the fixed-income portion of the CREF Social Choice Account, a variable annuity. The TIAA General Account is an insurance company account and is not an investment or security offering available to the public. NOTE: All voluntary contributions to the Annuity Savings Account will be invested in the same manner and percentage as your Annuity Savings Account monies are currently invested. You cannot separate the mandatory and voluntary contributions for investment purposes. For example, if you have all of your Annuity Savings Account invested in the Guaranteed Fund, your voluntary contributions would be invested there as well. If you have a 50%-50% split between two investment options, that same split will apply to your voluntary contributions. The election you make will automatically apply to voluntary contributions. Specific rules apply to the investment of your Annuity Savings Account.