0000930413-16-007398.txt : 20160616 0000930413-16-007398.hdr.sgml : 20160616 20160616114253 ACCESSION NUMBER: 0000930413-16-007398 CONFORMED SUBMISSION TYPE: 497 PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20160616 DATE AS OF CHANGE: 20160616 EFFECTIVENESS DATE: 20160616 FILER: COMPANY DATA: COMPANY CONFORMED NAME: COLLEGE RETIREMENT EQUITIES FUND CENTRAL INDEX KEY: 0000777535 IRS NUMBER: 136022042 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 497 SEC ACT: 1933 Act SEC FILE NUMBER: 033-00480 FILM NUMBER: 161716981 BUSINESS ADDRESS: STREET 1: 730 THIRD AVE CITY: NEW YORK STATE: NY ZIP: 10017 BUSINESS PHONE: 2129164905 MAIL ADDRESS: STREET 1: 730 THIRD AVE CITY: NEW YORK STATE: NY ZIP: 10017 0000777535 S000005080 Stock Account C000154473 Class R1 QCSTRX C000154474 Class R2 QCSTPX C000154475 Class R3 QCSTIX 0000777535 S000005081 Global Equities Account C000154476 Class R1 QCGLRX C000154477 Class R2 QCGLPX C000154478 Class R3 QCGLIX 0000777535 S000005082 Growth Account C000154479 Class R1 QCGRRX C000154480 Class R2 QCGRPX C000154481 Class R3 QCGRIX 0000777535 S000005083 Equity Index Account C000154482 Class R1 QCEQRX C000154483 Class R2 QCEQPX C000154484 Class R3 QCEQIX 0000777535 S000005084 Bond Market Account C000154485 Class R1 QCBMRX C000154486 Class R2 QCBMPX C000154487 Class R3 QCBMIX 0000777535 S000005085 Inflation-Linked Bond Account C000154488 Class R1 QCILRX C000154489 Class R2 QCILPX C000154490 Class R3 QCILIX 0000777535 S000005086 Social Choice Account C000154491 Class R1 QCSCRX C000154492 Class R2 QCSCPX C000154493 Class R3 QCSCIX 0000777535 S000005087 Money Market Account C000154494 Class R1 QCMMRX C000154495 Class R2 QCMMPX C000154496 Class R3 QCMMIX 497 1 c85226_497.htm

 

 

COLLEGE RETIREMENT EQUITIES FUND (“CREF”)

 

SUPPLEMENT NO. 2
dated June 16, 2016
to the Statement of Additional Information (“SAI”)
dated May 1, 2016, as supplemented through June 14, 2016

 

Effective immediately, the final paragraph of the section entitled “Currency transactions” set forth on page 16 of the SAI is hereby deleted in its entirety.

 

The following table hereby replaces in its entirety the “Officers” table set forth on page 32 of the “Management of CREF” section of the SAI.

 

Officers

 

Name, Address and
Year of Birth (“YOB”)
  Position(s)
Held with
CREF
  Term of Office
and Length of
Time Served
  Principal Occupation(s) During Past 5 Years
Richard S. Biegen
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1962
  Chief Compliance Officer   One-year term. Chief Compliance Officer since 2008.   Managing Director, Senior Compliance Officer of Teachers Insurance and Annuity Association of America (“TIAA”). Chief Compliance Officer of the College Retirement Equities Fund (“CREF”), TIAA Separate Account VA-1, TIAA-CREF Funds, and TIAA-CREF Life Funds (collectively, the “TIAA-CREF Fund Complex”).
Carol W. Deckbar
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1962
  Executive Vice President   One-year term. Executive Vice President since 2013.   Executive Vice President, Institutional Investment and Endowment Services of TIAA and Executive Vice President of CREF.
Roger W. Ferguson, Jr.
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1951
  President and Chief Executive Officer   One-year term. President and Chief Executive Officer since 2008.   President and Chief Executive Officer of TIAA, CREF and TIAA Separate Account VA-1.
Phillip G. Goff
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1963
  Treasurer   One-year term. Treasurer since 2008.   Senior Vice President, Corporate Controller of TIAA. Treasurer of CREF; Chief Financial Officer, Principal Accounting Officer and Treasurer of TIAA Separate Account VA-1; Principal Financial Officer, Principal Accounting Officer and Treasurer of the TIAA-CREF Funds and TIAA-CREF Life Funds.
Stephen Gruppo
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1959
  Executive Vice President   One-year term. Executive Vice President since 2009.   Executive Vice President, Chief Risk Officer of TIAA. Executive Vice President of the TIAA-CREF Fund Complex.
Robert G. Leary
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1961
  Executive Vice President   One-year term. Executive Vice President since 2013.   Executive Vice President, Chief Executive Officer, TIAA Global Asset Management of TIAA. Principal Executive Officer and Executive Vice President of CREF and VA-1. Principal Executive Officer and President of TIAA-CREF Funds and TIAA-CREF Life Funds. Prior to joining TIAA, Mr. Leary served as a Representative, Securities Research, Inc., President and Chief Operating Officer, U.S., ING Americas, Chief Executive Officer, ING Insurance US, and Chairman and Chief Executive Officer, ING Investment Management, Americas.
J. Keith Morgan
TIAA-CREF
730 Third Ave.
New York, NY 10017-3206
YOB: 1951
  Executive Vice President   One-year term. Executive Vice President since 2015.   Executive Vice President and Chief Legal Officer of TIAA and Executive Vice President of the TIAA-CREF Fund Complex. Prior to joining TIAA, Mr. Morgan served as Founder and Chief Executive Officer of Morris Lane Capital LLC (consultant), and as Senior Vice President and General Counsel of General Electric Capital Corporation.
Ronald R. Pressman
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1958
  Executive Vice President   One-year term. Executive Vice President since 2012.   Executive Vice President, Chief Executive Officer, Institutional Financial Services of TIAA, and Executive Vice President of the TIAA-CREF Fund Complex. Prior to joining TIAA, Mr. Pressman served as President and Chief Executive Officer of General Electric Capital Real Estate.
 
Name, Address and
Year of Birth (“YOB”)
  Position(s)
Held with
CREF
  Term of Office
and Length of
Time Served
  Principal Occupation(s) During Past 5 Years
Phillip T. Rollock
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1962
  Senior Managing Director and Corporate Secretary   One-year term. Senior Managing Director since 2013 and Corporate Secretary since 2012.   Senior Managing Director, Corporate Secretary of TIAA and the TIAA-CREF Fund Complex.
Otha T. Spriggs, III
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1951
  Executive Vice President   One-year term. Executive Vice President since 2012.   Executive Vice President and Chief Human Resources Officer of TIAA and Executive Vice President of the TIAA-CREF Fund Complex. Prior to joining TIAA, Mr. Spriggs served as Senior Vice President of Human Resources, Boston Scientific; President of Integrated People Solutions; Senior Vice President, Human Resources and various human resources leadership roles, CIGNA Corp.
Edward D. Van Dolsen1
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1958
  Executive Vice President   One-year term. Executive Vice President since 2006.   Executive Vice President, Chief Executive Officer, Retail Financial Services of TIAA, and Executive Vice President of the TIAA-CREF Fund Complex.
Paul Van Heest
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1962
  Executive Vice President   One-year term. Executive Vice President since 2016.   Executive Vice President, TIAA and CREF Income Products, and Executive Vice President of CREF.
Constance K. Weaver
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1952
  Executive Vice President   One-year term. Executive Vice President since 2010.   Executive Vice President, Chief Marketing Officer of TIAA and Executive Vice President of the TIAA-CREF Fund Complex.
Virginia M. Wilson
TIAA-CREF
730 Third Avenue
New York, NY 10017-3206
YOB: 1954
  Executive Vice President, Chief Financial Officer and Principal Accounting Officer   One-year term. Executive Vice President, Chief Financial Officer and Principal Accounting Officer since 2010.   Executive Vice President, Chief Financial Officer of TIAA and Executive Vice President, Chief Financial Officer and Principal Accounting Officer of CREF.
1 Mr. Van Dolsen is scheduled to retire as Executive Vice President on June 30, 2016.

 

 

A15486 (6/16)

2

 
GRAPHIC 2 x1_c85226x1x1.jpg GRAPHIC begin 644 x1_c85226x1x1.jpg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