Principal Underwriting and Distribution Services Agreement

Exhibit (e)(4)

Principal Underwriting and Distribution Services Agreement

Between College Retirement Equities Fund and
TIAA-CREF Individual & Institutional Services, LLC

SCHEDULE C

2024 Reimbursement Rates

For the period May 1, 2024 through April 30, 2025

For the services rendered and expenses incurred in connection with the Distribution Services, as provided in the Agreement, the annual expense deduction amounts for each Class of each CREF Account (as a percentage of average net assets) will be as follows:

Stock Account:	Class R1: 0.060%
	Class R2: 0.025%
	Class R3: 0.020%
	Class R4: 0.005%
Global Equities Account:	Class R1: 0.060%
	Class R2: 0.025%
	Class R3: 0.020%
	Class R4: 0.005%
Growth Account:	Class R1: 0.060%
	Class R2: 0.025%
	Class R3: 0.020%
	Class R4: 0.005%
Equity Index Account:	Class R1: 0.060%
	Class R2: 0.025%
	Class R3: 0.020%
	Class R4: 0.005%
Core Bond Account:	Class R1: 0.060%
	Class R2: 0.025%
	Class R3: 0.020%
	Class R4: 0.005%
Inflation-Linked Bond Account:	Class R1: 0.060%
	Class R2: 0.025%
	Class R3: 0.020%
	Class R4: 0.005%
Social Choice Account:	Class R1: 0.060%
	Class R2: 0.025%

	Class R3: 0.020%
	Class R4: 0.005%
Money Market Account:	Class R1: 0.060%
	Class R2: 0.025%
	Class R3: 0.020%
	Class R4: 0.005%

Date: Effective May 1, 2024 in accordance with prior approval by the CREF Board on March 22, 2024.

	COLLEGE RETIREMENT EQUITIES FUND
	By:	/s/ E. Xxxxx Xxxxxxxxx
		Title: Principal Financial Officer
	TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC
	By:	/s/ Xxxxxxxx Xxxxxxx
		Title: Chief Financial Officer