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Underlying fund expenses increase in Oklahoma

(February 18, 2006) - As a result of the January 25, 2006 approval of a new investment management contract by the TIAA-CREF Institutional Mutual Funds' shareholders, the underlying fund expenses have increased by approximately 0.07-0.14% in the Managed Allocation Option and by approximately 0.04% in the 100% Equity Option, effective February 1, 2006.

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