Fill - Free fillable TIAA-CREF FUNDS COVERDELL EDUCATION SAVINGS ACCOUNT APPLICATION/ADOPTION AGREEMENT PDF form

TIAA-CREF FUNDS

COVERDELL EDUCATION SAVINGS ACCOUNT

APPLICATION/ADOPTION AGREEMENT

Page 1 of 7

TFDIA

A11751 (10/20)

To get started, simply complete the following sections. The terms of the account are contained in the document titled Coverdell Education

Savings Account Disclosure Statement and Custodial Account Agreement. This form cannot be used to establish a TIAA-CREF Funds

Traditional IRA or Roth IRA, or to convert a Traditional IRA to a Roth IRA.

Please send your signed and completed form to TIAA-CREF Funds per the Return Completed Forms section below or in the enclosed

customer reply envelope. Please call 800-223-1200, enter prompt 1, then prompt 2, with any questions, weekdays, 8 a.m. – 6 p.m. (ET).

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to

obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, Social Security number and other

information that will allow us to identify you (including a state-issued driver’s license or other government-issued identification). This

information will be verified to ensure the identity of all individuals opening a mutual fund account. Until you provide the information we

need, we may not be able to open an account or effect any transactions for you.

1. ACCOUNT REGISTRATION (REQUIRED)

In Section A below, provide the requested information about the Student for whose benefit the Coverdell Education Savings Account

(Coverdell ESA) is being opened. The Student must be under age 18 or a Special Needs Student for an Annual Contribution Coverdell ESA,

or under age 30 or a Special Needs Student for a Rollover or Transfer from another Coverdell ESA. In Section B, provide the requested

information about the Parent or Legal Guardian who will control the account on behalf of the Student. In Section C below, provide the

requested information about the Donor who is making the contribution to the account. The Student, Parent/Legal Guardian or anyone else

who meets the applicable income limits can be the Donor.

A. Student Information

Prefix First Name MI Last Name

Social Security Number/

Taxpayer Identification Number Date of Birth (mm/dd/yyyy) Gender

Male Female

Citizenship For foreign accounts, one of the following must be provided: alien ID or passport number with country of issuance along with photocopy of ID.

Alien ID or Passport Number

U.S. Resident Alien Nonresident Alien (Specify country)

Student’s Mailing Address

Address Street or P.O. Box (APO and FPO addresses will be accepted) City State Zip Code

Address (If the above address is a P.O. Box, you must also provide a street address) City State Zip Code

Daytime Phone Number Evening Phone Number Email Address

(Continued)

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TFDIA

A11751 (10/20)

1. ACCOUNT REGISTRATION (REQUIRED) (CONTINUED)

B. Parent/Legal Guardian Information (Only one person may be listed)

Parent Legal Guardian (If Legal Guardian, submit proof of guardianship)

Prefix First Name MI Last Name

Social Security Number/

Taxpayer Identification Number Date of Birth (mm/dd/yyyy) Gender

Male Female

Citizenship For foreign accounts, one of the following must be provided: alien ID or passport number with country of issuance along with photocopy of ID.

Alien ID or Passport Number

U.S. Resident Alien Nonresident Alien (Specify country)

TIAA Wealth Management Advisor (Name) Dealer Number

Parent/Legal Guardian’s Mailing Address

Address Street or P.O. Box (APO and FPO addresses will be accepted) City State Zip Code

Address (If the above address is a P.O. Box, you must also provide a street address) City State Zip Code

Primary Phone Number Phone Number Type Secondary Phone Number Phone Number Type

Mobile Home Business

Alternate Phone Phone Number Type Email Address

Mobile Home Business

C. Donor Information (If Donor is the Parent/Legal Guardian set forth in Section B, do not complete this section.)

Prefix First Name MI Last Name

Social Security Number Date of Birth (mm/dd/yyyy) Gender

Male Female

Donor’s Mailing Address

Address Street or P.O. Box (APO and FPO addresses will be accepted) City State Zip Code

Address (If the above address is a P.O. Box, you must also provide a street address) City State Zip Code

Daytime Phone Number Evening Phone Number Email Address

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A11751 (10/20)

(Continued)

2. INVESTMENT ALLOCATION

Be sure to read the current prospectuses carefully before investing. The maximum annual investment under the law is $2,000, and the

minimum investment to open a Coverdell ESA is $2,000. Please make check payable to TIAA-CREF Funds.

FUND NAMES AND FUND CODES ARE LISTED IN SECTION 3.

FUND NAME FUND CODE CONTRIBUTION FOR CURRENT YEAR

This contribution does not exceed the maximum permitted amount as described in the Coverdell ESA Disclosure Statement.

3. ROLLOVER OR TRANSFER OF EXISTING COVERDELL ESA

Be sure to read the current prospectuses carefully before investing.

Direct transfer of existing Coverdell ESA or Change of Beneficiary

Complete the separate Coverdell ESA Direct Asset Transfer Form

and return it with this form.

Rollover of distribution from existing Coverdell ESA within 60

days after distribution

The requirements for a valid rollover are complex. See the

Coverdell ESA Disclosure Statement for additional information.

Check enclosed for $

Check the box below that describes the relationship between the

Student in Section 1 above and the Student in the existing Coverdell

ESA. The person in Section 1 is the:

Same Person Child or Stepchild Sibling

Child of Sibling Parent First Cousin

Stepparent Other

Spouse of One of the Foregoing

For rollover distributions only. Please do not complete this section for a direct transfer of assets from another Coverdell ESA. Use the Direct Asset Transfer Form.

Please check here to set this allocation for future investments unless other instructions are received.

RETAIL CLASS

FUND NAME (FUND CODE) AMOUNT PERCENT

Bond Index (91)

Core Bond (66)

Core Impact Bond (45)

Core Plus Bond (96)

Emerging Markets Debt (2794)

Emerging Markets Equity (67)

Emerging Markets Equity Index (69)

Equity Index (65)

Green Bond (2608)

Growth & Income (64)

High-Yield (95)

Inflation-Linked Bond (90)

International Bond (2957)

FUND NAME (FUND CODE) AMOUNT PERCENT

International Equity (61)

International Opportunities (49)

Large-Cap Growth (68)

Large-Cap Value (85)

Lifecycle Retirement Income (70)

Lifestyle Aggressive Growth (94)

Lifestyle Conservative (78)

Lifestyle Growth (93)

Lifestyle Income (77)

Lifestyle Moderate (79)

Managed Allocation (99)

Mid-Cap Growth (86)

Mid-Cap Value (87)

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TFDIA

A11751 (10/20)

The following fund name changes are effective 3/1/20:

Formerly: Bond; Renamed Core Bond

Formerly: Bond Plus; Renamed Core Plus Bond

Formerly: Social Choice Bond; Renamed Core Impact Bond

Please indicate payment method below (U.S. dollars only):

Check made payable to TIAA-CREF Funds.

Wire assets directly. (See prospectuses for wire instructions.)

Wire Date (mm/dd/yyyy)

Please note: Third-party checks or any check not made payable to TIAA-CREF Funds can be accepted for subsequent purchases only and

if less than $10,000. Cashier’s checks can be accepted if less than $10,000. All purchases must be in U.S. dollars, and all checks must

be drawn on U.S. banks. TIAA-CREF Funds will not accept payment in the following forms: traveler’s checks, money orders, credit card

convenience checks, cash, counter checks or starter checks. TIAA-CREF Funds will not accept corporate checks for investment into non-

corporate accounts.

RETAIL CLASS

3. ROLLOVER OR TRANSFER OF EXISTING COVERDELL ESA (CONTINUED)

FUND NAME (FUND CODE) AMOUNT PERCENT

Money Market (63)

Quant International Small-Cap

Equity (2966)

Quant Small-Cap Equity (88)

Quant Small/Mid-Cap Equity

(2956)

Real Estate Securities (89)

Short Duration Impact

Bond (2609)

4. TELEPHONE OPTIONS

This service allows you to make exchanges or purchases by telephone or web among your identically registered accounts. You will also have

access to your account through the Automated Telephone Service (ATS) and the internet. See prospectus for details. This service will be

automatically added to your account unless you check No below.

Telephone Exchange No

This option permits exchanges among TIAA-CREF Funds with

the same account registrations ($50 minimum to an existing

account/$2,000 minimum to a new fund account).

Telephone Purchase No

This option lets you invest by telephone with payments transferred

by Automated Clearing House (ACH) from your designated bank

account to your existing mutual fund account ($100 minimum).

FUND NAME (FUND CODE) AMOUNT PERCENT

Short-Term Bond (97)

Short-Term Bond Index (2797)

Social Choice Equity (62)

Social Choice International

Equity (2762)

Social Choice Low Carbon

Equity (2763)

5-15 Year Laddered Tax-Exempt

Bond (98)

Total Amount or Percentage

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A11751 (10/20)

6. BANK INFORMATION

You must complete this section if you requested Telephone Purchase or the Automatic Investment Plan.

Type of Account

Checking Savings

Name of Primary Bank Account Owner

Bank Name

Bank Phone Number

Name of Joint Bank Account Owner

ABA Routing Number

Bank Account Number

ATTACH A VOIDED BANK CHECK OR PREPRINTED SAVINGS DEPOSIT SLIP.

This will ensure accurate bank information.

5. AUTOMATIC INVESTMENT PLAN

If you would like to participate in the TIAA-CREF Funds Automatic Investment Plan, the minimum investment per fund is $100. Please

indicate below the amount to invest, the frequency, the first month to begin debiting your account and the time interval. Semimonthly

investments occur on both the 1

and the 15

, while monthly investments occur on either the 1st OR 15th. It takes up to 10 days to initiate

this service. (Please also complete Section 6.)

FUND NAMES AND FUND CODES ARE LISTED IN SECTION 3.

FUND NAME FUND CODE DOLLAR AMOUNT SEMI/MONTHLY START MONTH 1

/15

MONTH

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A11751 (10/20)

8. SIGNATURES – YOUR SIGNATURE(S) MUST APPEAR TO ESTABLISH THE ACCOUNT

By signing this form, I certify that I have received, read and agree to the terms of the prospectuses for the TIAA-CREF Funds. I have the full

authority and legal capacity to purchase shares of the TIAA-CREF Funds, am of legal age in my state to purchase such shares, and believe

each investment is suitable.

I authorize TIAA-CREF Funds and their agents to act for any service authorized on this Account Application on any instructions that they

believe to be genuine and that are received from me or any person claiming to act as my representative who can provide my account

registration. The TIAA-CREF Funds use reasonable procedures (including Shareholder identity verification) to confirm that instructions given

by telephone are genuine and are not liable for acting on these instructions. If these procedures are not followed, the TIAA-CREF Funds may

be liable for losses due to unauthorized or fraudulent transactions.

PROSPECTUS AND OTHER DOCUMENTS ACKNOWLEDGMENT

Please check the box below acknowledging your receipt of the following documents:

Prospectuses and Product Disclosures for the investment options available to you (TIAA.org/public/prospectuses)

TIAA Privacy Policy (TIAA.org/public/support/privacy-policy)

TIAA Business Continuity Policy (TIAA.org/public/about-tiaa/business-continuity)

Please check this box

to acknowledge

electronic receipt of

prospectuses and other

required documents

I acknowledge that I consent to receiving and have received the above-referenced documents through TIAA’s

website. I further acknowledge that I am able to access these documents on the website. I understand that

this acknowledgment applies only to this initial account application.

To select this acknowledgment and consent, you must have access to the website noted above. In either case, you must also be able to

download, view and print the documents. You will need Adobe Reader to view and print electronic PDF documents. If you don’t have Adobe

Reader, go to adobe.com to download a free copy. To request assistance with accessing these documents electronically, please contact us

toll-free at 800-842-2273. You understand and acknowledge that accessing documents electronically may involve additional costs, including

but not limited to subscription access fees from an internet service provider and printing costs.

Paper versions of the above documents can be ordered, both now and in the future, by calling toll-free 877-518-9161 or by going to TIAA.org.

If you are unable to acknowledge that you have received and accessed these documents on the website, please call 877-518-9161 for paper

prospectuses at no charge.

Note: Unless indicated above, I acknowledge that I have received paper copies of the above-referenced documents.



I agree that the TIAA-CREF Funds can redeem shares from my account(s) to reimburse a Fund for any loss due to nonpayment or lack of

money.



I understand that for joint tenant accounts, “I” refers to all Shareholders, and each of the Shareholders agrees that any Shareholder has

authority to act on the account without notice to the other Shareholders. TIAA-CREF Funds, in its sole discretion, and for its protection,

may require the written consent of all Shareholders prior to acting upon the instructions of any Shareholder.

Corporations or other entities must submit an original or certified resolution authorizing that the individual signing this form has the legal

capacity to sign and act on behalf of the corporation/entity.

7. TRUSTED CONTACTS (OPTIONAL)

Trusted contacts are people you know and trust who are at least 18 years of age and whom TIAA-CREF Funds may contact if we have

questions about your account, your well-being, or if we suspect you are the victim of fraudulent activity. See Section 8 for more information.

FOR OWNER

First Name of Contact Person Last Name Relationship

Date of Birth (mm/dd/yyyy) Phone Number Email Address

Mailing Address City State Zip Code

Page 7 of 7

TFDIA

A11751 (10/20)

Retain a photocopy of this completed Application/Adoption Agreement for your records.

8. SIGNATURES – YOUR SIGNATURE(S) MUST APPEAR TO ESTABLISH THE ACCOUNT (CONTINUED)

Trustee(s) Certification: I am/We are the currently acting Trustee(s) and am/are authorized by the trust agreement to purchase shares of the

TIAA-CREF Funds. All services are subject to conditions set forth in the TIAA-CREF Funds Prospectuses.

Note: Trustee(s) must immediately notify TIAA-CREF Funds if the trust becomes a foreign trust.

This paragraph is only applicable if you added a Trusted Contact in Section 7. I hereby authorize TIAA-CREF Funds and its affiliates (“TIAA-CREF

Funds”) to contact the person(s) I have listed above (“Contact”) in the event TIAA-CREF Funds has questions or concerns regarding my ability

to handle my financial affairs (due to health-related matters or otherwise), potentially harmful financial transactions in my accounts or my

whereabouts. In order to address any such questions or concerns, when speaking to my Contact, TIAA-CREF Funds is authorized to: i. Share with

the Contact nonpublic information about me and all of my investments/accounts/products/contracts held at TIAA-CREF Funds and its affiliates

now or in the future (or any other financial information I may have provided to TIAA-CREF Funds), regardless of any previous election I have made

under federal, state or other law regarding the sharing of such information; ii. Share with the Contact any concerns and details surrounding my

potential financial exploitation; iii. Confirm with the Contact the specifics of my current contact information and/or health status; iv. Discuss with

the Contact whether any other person has been designated to act on my behalf (through power of attorney, Executor, Trustee or legal guardian or

otherwise); and v. Share information obtained from the Contact with its affiliates. I understand this authorization will remain in effect until I notify

TIAA-CREF Funds in writing that I am revoking or amending such authority and TIAA-CREF Funds acknowledges the receipt of such revocation

and/or amendment. Except as may be required by FINRA Rule 2165, TIAA-CREF Funds is under no obligation to speak to, write to or otherwise

interact with the Contact. TIAA-CREF Funds is not responsible for any action taken by the Contact, and TIAA-CREF Funds will not direct the

Contact to take any particular action on my behalf. TIAA-CREF Funds suggests that the named Contact(s) not be someone authorized to transact

business on the account, or who is already otherwise able to receive the information described above. By signing, I am affirming that the trusted

contact person(s) listed in this form are at least 18 years old, and to the best of my knowledge, do not work for TIAA-CREF Funds or its affiliates.

By signing this form, investor(s) acknowledges that neither TIAA-CREF Funds nor any Teachers Advisors, LLC affiliate or service provider

to TIAA-CREF Funds has provided the investor(s) with advice, recommendations or suggestions as to any specific investment decisions.

Investors in TIAA-CREF Funds are urged to consult their own advisors before making investment-related decisions, including but not

limited to those related to transfer or rollover from retirement plans, purchase or sale of investments, selection or retention of investment

managers, or selection of account beneficiaries.

Under penalties of perjury, I certify that: (1) The number shown on this form is my correct taxpayer identification number (or I am waiting

for a number to be issued to me); and (2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or

(b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report

all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding; and (3) I am a U.S. citizen or

other U.S. person; and (4) the FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct.

Please Sign Here

Signature (Responsible Individual) Today’s Date (mm/dd/yyyy)

9. STUDENT’S RIGHTS

If the Student is a minor under the laws of the Student’s state of residence, acceptance by the Custodian of the contribution to this Account

is expressly conditioned upon the Parent’s (identified above in Section 1) agreement to be responsible for all requirements of the Student,

and to exercise the powers and duties of the Student with respect to the operation of the Account. Upon reaching the age of majority in the

state in which the Student then resides, the Student may advise the Custodian in writing (accompanied by such supporting documentation

as the Custodian may require) that he or she is assuming sole responsibility to exercise all powers and duties associated with the

administration of the Account. Absent such written notice by the Student, the Custodian shall have no responsibility to acknowledge the

Student’s exercise of such powers and duties of administration.

RETURN COMPLETED FORM(S) TO:

Please return ALL numbered pages, including any pages you did not need to complete.

STANDARD MAIL:

TIAA-CREF Funds

P.O. Box 219227

Kansas City, MO 64121-9227

OVERNIGHT:

TIAA-CREF Funds

430 W. 7th Street, Suite 219227

Kansas City, MO 64105-1407

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TIAA-CREF FUNDS COVERDELL EDUCATION SAVINGS ACCOUNT APPLICATIONADOPTION AGREEMENT

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