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Add a self-directed brokerage accountHow to open a self-directed brokerage account while using the Yale Target-Date Plus Service.Step #1.ActionLog in to your account at TIAA.org/Yale.Click Accounts tab.Click All Accounts to display the menu.Scroll down and click on RetirementAccounts.2.The Retirement accounts page displays.Click Retirement accounts to display themenu.Select the plan to view the Plan Detailspage.Screen shots are provided for illustration only and are subject to change.

Step #3.ActionThe Plan Details page displays.Select the contract to view theContract Details page.4.The Contract Details page displays.Click Quick Links.Select Add retirement brokerage.Note: You must open a separatebrokerage account for each plan in whichyou want to invest in mutual fundsbeyond the plan’s investment lineup.Screen shots are provided for illustration only and are subject to change.

Step #5.ActionThe Open a Retirement BrokerageAccount screen displays.The Waiver & Release of Liability pagedisplays. You must scroll and read thewaiver text to enable the check box, andthen click the check box to indicateacceptance of the terms and conditions ofthe waiver.Click Continue.Screen shots are provided for illustration only and are subject to change.

Step #ActionImportant Information about In-Kind Transfer for the following six mutual fundsDue to restrictions imposed by Vanguard, the following six Vanguard mutual funds will not be available to new investors in the Brokerage Account. Forparticipants who are currently invested and interested in retaining their position in these investments, there is a one-time window to transfer in-kind theirposition to a Brokerage Account.Vanguard Capital Opportunity Fund Admiral VHCAXVanguard Convertible Securities Fund Investor VCVSXVanguard Dividend Growth Fund Investor VDIGXVanguard PRIMECAP Core Fund Investor VPCCXVanguard PRIMECAP Fund Admiral VPMAXVanguard Wellington Fund Admiral VWENXIf you open a Brokerage Account by 4 p.m. (ET) on February 27, 2019, and hold at least one of these six Vanguard mutual funds, you are requesting tohave all of your current balances in each of these six funds transfer in-kind as outlined in the Transition Guide on page 17.If you have opened a Brokerage Account and do not want your current balances in these six mutual funds to transfer in-kind during the week of March 4,2019, you have until 4 p.m. (ET) on February 28, 2019, to close your Brokerage Account. To close your Brokerage Account, or for any questions, callTIAA Brokerage at 800-927-3059, 8 a.m. to 7 p.m. (ET). Alternatively, prior to 4 p.m. (ET) on March 1, 2019, if you wish to avoid the in-kind transfer inwhole or in part, you can transfer all or a portion of the amounts you have invested in these six mutual funds, to one or more investment options offeredon the current investment line-up.By the acknowledgment below, I declare that I have read and understand this WAIVER & RELEASE OF LIABILITY, and agree to the above statements. Iam solely responsible for the decision to establish a Brokerage Account under the Plan, and for all risks, losses and costs associated with my subsequentselection and management of investments made through the Brokerage Account.By checking this box, I acknowledge the above.Screen shots are provided for illustration only and are subject to change.

Step #6.ActionThe Online consent page displays.You must read the consent text and thenclick the check box to indicateacceptance of the terms and policiesnoted in the consent.Click Continue.7.The Required account openinginformation page displays.You must complete this page to submitrequired information to open a brokerageaccount and then click Continue.After completing this process, thebrokerage account will be opened,although not yet funded. It takes 1 day toopen the brokerage account.A message will display on the plan detailspage indicating that the process ofopening a brokerage account is pending.Screen shots are provided for illustration only and are subject to change.

Add a self-directed brokerage account How to open a self-directed brokerage account while using the Yale Target-Date Plus Service. Step # Action : 1. Log in to your account at . TIAA Brokerage at 800927--3059, 8 a.m. to 7 p.m. (ET). Alternatively, prior to 4 p.m. (ET) on March 1, 2019, if you wish to avoid the inkind transfer in - .