Document:

exhibit4n

T-RA-RPL-E1 Page E1  TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA  (TIAA)  730 Third Avenue, New York, NY  10017-3206  Telephone:  [800-842-2733]  Endorsement to Your TIAA Retirement Annuity Contract  [ Effective Date: Attached at issue / Upon receipt / Specific date / Date of Issue, and as part of  endorsement END-1000.24-ACC, if such endorsement applies / Upon receipt, and as part of  END-1000.24-ACC, if such endorsement applies  / Specific date, and as part of END-1000.24- ACC, if such endorsement applies]  This endorsement modifies the provisions of your TIAA Retirement Annuity Contract and becomes  part of it. Please read this endorsement and attach it to your contract.  The following provisions are added to your contract:  The term Investment Account refers to the Real Estate Account or to any subaccount of any other  Separate Account available under the contract.  Retirement Plan Loans  A Retirement Plan Loan is a disbursement of some or all of your Investment Account accumulation  to provide loans. To the extent your employer’s plan so provides and in accordance with section  72(p) of the IRC, as amended, and ERISA, to the extent applicable, you may request a Retirement  Plan Loan from your available Investment Account accumulations, at any time prior to the annuity  starting date. Retirement Plan Loans are not available from your TIAA Traditional accumulations.  The amount of a Retirement Plan Loan may generally not exceed the least of:  i) the total of your available Investment Account accumulations; ii) [50%] of the present value of your vested accrued benefit under any of your employer's plans; and iii) [$50,000] In determining the amount available for a Retirement Plan Loan, all plans of your employer,  including 403(b), 401(a), 403(a) and 457(b) plans, to the extent loans are available, and all such  plans of any related employers under IRC Section 414(b), (c) or (m) shall be considered employer  plans for this purpose.   A request for a Retirement Plan Loan must be made on or before the annuity starting date in  accordance with the terms of your contract. A Retirement Plan Loan will be effective as of the  business day on which we receive your request, in a form acceptable to TIAA as well as any spousal  waiver that may be required under ERISA or the terms of your employer’s plan. TIAA will  determine all values as of the end of the effective date. You can't revoke a request for a Retirement  Plan Loan after its effective date.   Exhibit 4(N) 

 

  T-RA-RPL-E1   Page E2      A Retirement Plan Loan reduces the accumulations from which it is paid by the amount of the loan  chosen. The loan will be issued in accordance with the terms of a loan agreement. The loan  agreement will describe the terms, conditions and any fees or charges for the loan. Any loan  repayments applied to the contract will be applied as new premiums.                    President and       Chief Executive Officerexhibit4o

T-SRA-RPL-E1 Page E1  TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA  (TIAA)  730 Third Avenue, New York, NY  10017-3206  Telephone:  [800-842-2733]  Endorsement to Your TIAA Supplemental Retirement Annuity Contract  [ Effective Date: Attached at issue / Upon receipt / Specific date / Date of Issue, and as part of  endorsement END-1200.8-ACC, if such endorsement applies / Upon receipt, and as part of END- 1200.8-ACC, if such endorsement applies / Specific date, and as part of END-1200.8-ACC, if  such endorsement applies]  This endorsement modifies the provisions of your TIAA Supplemental Retirement Annuity Contract  and becomes part of it. Please read this endorsement and attach it to your contract.  The following provisions are added to your contract:  The term Investment Account refers to the Real Estate Account or to any subaccount of any other  Separate Account available under the contract.  Retirement Plan Loans  A retirement plan loan is a disbursement of some or all of your accumulation to provide loans. To the  extent your employer’s plan so provides and in accordance with section 72(p) of the IRC, as  amended, and ERISA, to the extent applicable, you may request a Retirement Plan Loan from your  available Traditional Annuity accumulation or your Investment Account accumulations, at any time  prior to the annuity starting date. The amount of a Retirement Plan Loan may generally not exceed  the least of:  i) the total of your available Traditional Annuity accumulation and your Investment Account accumulations; ii) [50%] of the present value of your vested accrued benefit under any of your employer's plans; and iii) [$50,000] In determining the amount available for a Retirement Plan Loan, all plans of your employer,  including 403(b), 401(a), 403(a) and 457(b) plans, to the extent loans are available, and all such  plans of any related employers under IRC Section 414(b), (c) or (m) shall be considered employer  plans for this purpose.   A request for a Retirement Plan Loan must be made on or before the annuity starting date in  accordance with the terms of your contract. A Retirement Plan Loan will be effective as of the  business day on which we receive your request, in a form acceptable to TIAA as well as any spousal  waiver that may be required under ERISA or the terms of your employer’s plan. TIAA will  determine all values as of the end of the effective date. You can't revoke a request for a Retirement  Plan Loan after its effective date. TIAA may defer the payment of a Retirement Plan Loan from the  available Traditional Annuity accumulation for up to six months.  Exhibit 4(O) 

 

  T-SRA-RPL-E1   Page E2      If you request a Retirement Plan Loan from your available Traditional Annuity accumulation, we  will disburse the portion of your Traditional Annuity accumulation you choose, less any charges.     A Retirement Plan Loan reduces the accumulations from which it is paid by the amount of the loan  chosen. The loan will be issued in accordance with the terms of a loan agreement. The loan  agreement will describe the terms, conditions and any fees or charges for the loan. Any loan  repayments applied to the contract will be applied as new premiums. If you choose a Retirement Plan  Loan from your available Traditional Annuity accumulation and different rate schedules apply to  different parts of your accumulation, the reduction in your accumulation will be allocated among the  parts on a pro-rata basis in accordance with procedures established by TIAA.    The provision defining the components of the Traditional Annuity accumulation is modified such  that the Traditional Annuity accumulation is reduced by the amount of any Retirement Plan Loan  paid from the available Traditional Annuity accumulation.                 President and       Chief Executive Officerexhibit4p

T-IA-SECURE-E1-NY-1 Page E1  TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA  (TIAA)  730 Third Avenue, New York, NY  10017-3206  Telephone:  [800-842-2733]  Endorsement to Your TIAA Annuity Contract  Effective Date: [01-01-20xx]  This endorsement is part of your contract with TIAA. Please read this endorsement and attach it to  your contract.  The following statement is added to the cover page of your contract:  This contract is subject to and will be administered to comply with all applicable laws and  regulations, including the Employee Retirement Income Security Act (ERISA) and the Internal  Revenue Code (IRC).  The following provisions are added to your contract:  Required Minimum Distributions. Payments made under this contract will not be considered to be  required minimum distributions (RMD) under IRC Section 401(a)(9) until you reach RMD age,  which occurs in the year you turn age 72 (70 1⁄2, if born before July 1, 1949). Then, depending on the  plan or contract funding this contract, payments made to you under this contract may be RMD. If the  contract is purchased after you have attained RMD age, annuity payments made during the year of  purchase count towards satisfaction of any RMD for the funding account or contract. In years after  the year of purchase, this contract separately satisfies its own RMD, if any, under Treasury  Regulation section 1.401(a)(9)-6. Each year of annuity payments made to you will automatically  satisfy any RMD for that year. Payments to your beneficiary will also satisfy the RMD for this  contract, provided that we limit the distribution period in accordance with IRC section 401(a)(9)(H),  as added by the 2019 SECURE Act. This may result in payments being made for a period shorter  than the remaining guaranteed period, as described below.   The SECURE Act generally requires all payments to individual beneficiaries under this contract  to be completed by December 31 of the 10th year following the year of the owner’s death. However,  any remaining guaranteed period payments may continue to be made for the life expectancy of  “eligible designated beneficiaries.” These are the owner’s spouse, a disabled or chronically-ill  individual, a minor child of the owner, but only until reaching the age of majority, and anyone else  who is not more than 10 years older than the owner. Once a minor child reaches the age of majority,  a further 10 year distribution period begins.   We reserve the right to pay the commuted value of any remaining guaranteed period payments  in a single sum in order to prevent such payments from violating IRC section 401(a)(9) including  extending beyond, as applicable, the end of a 10-year distribution period or beyond the life  expectancy of an eligible designated beneficiary. In lieu of such payment, if required by the Internal  Revenue Service (IRS) or permitted and elected by you, we will make a constructive distribution that  would permit annuity payments to continue under the terms of this contract. This means that we  would report the commuted value of the remaining guaranteed period payments to you and the IRS  as income.  Exhibit 4(P) 

 

    T-IA-SECURE-E1-NY-1   Page E2           Compliance with laws and regulations. TIAA will administer your contract to comply with all  laws and regulations pertaining to the terms and conditions of your contract. You cannot elect any  benefit or exercise any right under your contract if the election of that benefit or exercise of that right  is prohibited under an applicable state or federal law or regulation. The choice of income option,  issue date, beneficiary, second annuitant (if any), method of payment of the death benefit, and the  availability of guaranteed periods, internal transfers, lump-sum or commuted value benefits as set  forth in this contract are subject to the applicable restrictions, distribution requirements, and  incidental benefit requirements of the ERISA and the IRC, and any rulings and regulations issued  under ERISA and the IRC.               President and       Chief Executive Officer

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