Contributory Retirement Plan

It is important that you regularly review your investment decisions to ensure that they continue to meet your personal investment objectives. Each investment company will provide you with quarterly reports on the investment of your contributions. You also may review the status of your investments at any time through the TIAA-CREF and Vanguard websites, by arranging a “one-on-one” on-campus appointment with a TIAA-CREF or Vanguard representative, or by speaking with a representative by telephone.

To access your personal account information online, you will need to establish secure access through your investment company’s website. To get started with TIAA-CREF, you will need your Social Security Number, date of birth, and a TIAA or CREF contract number. Your contract number is provided in the original welcome package sent to you by TIAA-CREF. It also appears on your quarterly statements and your Annual Retirement Planner. If you cannot locate your contract number, call (800) 842-2733. When you have the information you need, go to TIAA-CREF’s website at www.tiaa-cref.org and click “Create Log-in” under “Secure Access” in the upper left-hand corner of the TIAA-CREF home page. Then follow these 5 easy steps:

Enter your Social Security Number and date of birth; check the box next to “I am a current TIAA-CREF customer.”
Enter your TIAA or CREF contract number.
Create and enter a User ID and password.
Confirm your User ID and password by re-entering them in the fields provided.
Click on the word “submit.”

Once you have completed these steps, you will be able to access your TIAA-CREF account information immediately.

Have your Social Security Number, Plan number (090005), birth date, and zip code handy.
Go to www.vanguard.com and select “Personal Investors.”
Click the “Log on” button.
Select “Set up your user name and password,” and follow the instructions provided.

While this Summary Plan Description summarizes the major provisions of this plan, it does not provide you with every plan detail. The plan documents, which govern this plan, provide full details. If there are any discrepancies between this Summary Plan Description and the legal plan documents, the legal plan documents control.