Common use of SWITCHING BETWEEN INCOME CHANGE METHODS Clause in Contracts

SWITCHING BETWEEN INCOME CHANGE METHODS. A switch between income change methods is the exchange of annuity units payable under one income change method from an investment TCL-1009 Page 11 TIAA-CREF Life One-Life Ed. 5-2000 YOUR TIAA-CREF LIFE SINGLE PREMIUM ONE-LIFE IMMEDIATE ANNUITY account, for annuity units payable under the other income change method from the same investment account. You may switch some or all of the annuity units payable under this contract from one income change method to the other income change method under the same investment account, if both income change methods are then offered in that account.

SWITCHING BETWEEN INCOME CHANGE METHODS. A switch between income change methods is the exchange of annuity units payable under one income change method from an investment TCL-1009 Page 11 TIAA-CREF Life One-Life Ed. 5-2000 YOUR TIAA-CREF LIFE SINGLE PREMIUM ONE-LIFE IMMEDIATE ANNUITY account, for annuity units payable under the other income change method from the same investment account. You may switch some or all of the annuity units payable under this contract from one income change method to the other income change method under the same investment account, if both income change methods are then offered in that account.. ------------------------------------------------------------------------------- TCL-901 Page 10 TIAA-CREF Life Fixed-Period Ed. 5-2000

SWITCHING BETWEEN INCOME CHANGE METHODS. A switch between income change methods is the exchange of annuity units payable under one income change method from an investment TCL-1009 Page 11 TIAA-CREF Life One-Life Ed. 5-2000 YOUR TIAA-CREF LIFE SINGLE PREMIUM ONE-LIFE IMMEDIATE ANNUITY account, for annuity units payable under the other income change method from the same investment account. You may switch some or all of the annuity units payable under this contract from one income change method to the other income change method under the same investment account, if both income change methods are then offered in that account.

SWITCHING BETWEEN INCOME CHANGE METHODS. A switch between income change methods is the exchange of annuity units payable under one income change method from an investment TCL-1009 Page 11 TIAA-CREF Life One-Life Ed. 5-2000 YOUR TIAA-CREF LIFE SINGLE PREMIUM ONE-LIFE IMMEDIATE ANNUITY account, for annuity units payable under the other income change method from the same investment account. You may switch some or all of the annuity units payable under this contract from one income change method to the other income change method under the same investment account, if both income change methods are then offered in that account.