Exhibit 99.1.2

Direct Transfer Authorization from
CREF Retirement Annuities and
CREF Group Retirement Annuities

Teachers
Insurance and
Annuity
Association
College
Retirement
Equities
Fund
730 Third Avenue
New York
NY 10017-3206

Instructions

1. Personal Information. Please complete this section. We’re requesting your TIAA contract number, if any, for information only. Direct transfers are made from CREF account(s).

2. Amount of Transfer. Tell us how much you want to transfer from each of your CREF accounts to the extent offered through your current or former employer’s retirement plan. Tell us whether you want to transfer a percentage. Any partial amount transferred must be at least $1,000 from any CREF account. If you wish to transfer the full amount, specify “one hundred percent.” Please spell out all percentages.

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If any premiums are paid to your CREF account(s) after your transfer has been made, we’ll credit them. If your TIAA and CREF accounts are closed, we’ll refund the premiums to your employer.

We’ll base the amount of the transfer(s) on the value of your CREF account(s) on the date we receive this properly completed form.

If you want the amount of the transfer(s) based on the value of your account(s) on a future date (which can be the end of the current or a future month), please let us know by enclosing a separate cover letter.

3. Your Authorization and Signature. Your signature authorizes us to transfer all or part of your account(s), as you direct, to another company. If one employer does not permit transfers, for example, we can’t transfer any contributions made to your account while you were covered by that employer’s plan or the accumulations resulting from them.

4. Employer Authorization. You must have your employer complete this section unless otherwise indicated.

5. Company Acceptance. Have a representative from the other company complete this section.

If you have any questions about completing this authorization,
please call our Benefit Payment Information Center toll-free at 1-800-842-2777

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Direct Transfer Authorization P

1	PERSONAL INFORMATION	Name
		Daytime Telephone	Social Security Number
		GRA TIAA Number	GRA CREF Number
		RA TIAA Number	RA CREF Number
		Employer

2	AMOUNT OF TRANSFER	For each account, write out in words (not numbers) a percentage of the available amount (up to one hundred percent)
			GRA — 401(a)	RA — 403(b)
		CREF Stock
		CREF Money Market
		CREF Social Choice
		CREF Bond Market
		CREF Global Equities
		CREF Growth
		CREF Equity Index

3	YOUR AUTHORIZATION	By signing, you direct TIAA-CREF to make transfers as shown in Section 2 to the following company:
		Company		Telephone
		Address		Account Number
		City	State	Zip Code
		By signing, you agree that you don’t need to return your CREF certificate(s) to make this transfer. However, if we transfer the full value of your account(s), you understand that the certificate(s) will then be of no value
	YOUR SIGNATURE	Signature		Date

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4	EMPLOYER AUTHORIZATION	The transfer authorized by this participant meets the requirements of our retirement plan.
		Name of Employer	Plan Representative Name
		Telephone	Title
		Signature	Date

5	COMPANY ACCEPTANCE	We agree to accept a direct transfer from TIAA-CREF and to deposit the amount in an account/annuity set up for the participant under the employer’s retirement plan. We’ll enforce Internal Revenue Code withdrawal restrictions on any elective deferrals or earnings on them, and the pre-retirement survivor annuity and joint and survivor annuity requirements of ERISA
		Company                                                    Telephone
		Authorized Signature
		Check-Mailing Address
		City                                        State                                     Zip Code
		Participant Name                                                 Participant Account Number
		Date

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