0001193125-23-125860 Sample Contracts

Contractholder: [XYZ Trust Company] Contract Number: [T-123456] Companion CREF Contract Number: [C-123456/NONE] Date of Issue: [01-01-2023]
Tiaa Separate Account Va-3 • April 28th, 2023

This is a legal contract between the Contractholder, [XYZ Trust Company], as Trustee of the [Retirement Choice Annuity Trust] (“Trust”), and us, Teachers Insurance and Annuity Association of America (TIAA). This page refers briefly to some of the features of this contract. The next pages set forth in detail the rights and obligations of TIAA, the employer, employer plan and the Contractholder under the contract. PLEASE READ THIS CONTRACT CAREFULLY. IT IS IMPORTANT.

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Contractholder: [XYZ Trust Company] Contract Number: [T-123456] Companion CREF Contract Number: [C-123456/NONE] Date of Issue: [01-01-2023]
Tiaa Separate Account Va-3 • April 28th, 2023

This is a legal contract between the Contractholder, [XYZ Trust Company], as Trustee of the [Retirement Choice Plus Annuity Trust] (“Trust”), and us, Teachers Insurance and Annuity Association of America (TIAA). This page refers briefly to some of the features of this contract. The next pages set forth in detail the rights and obligations of TIAA, the employer, employer plan and the Contractholder under the contract. PLEASE READ THIS CONTRACT CAREFULLY. IT IS IMPORTANT.

PARTICIPATION AGREEMENT Among NORTHERN FUNDS, NORTHERN TRUST INVESTMENTS, INC., NORTHERN FUNDS DISTRIBUTORS, LLC, and TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA
Participation Agreement • April 28th, 2023 • Tiaa Separate Account Va-3 • New York

THIS AGREEMENT, made and entered into as of this 29 day of April, 2022 by and among Teachers Insurance and Annuity Association of America (hereinafter, the “Company”), a New York insurance company, on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A hereto as may be amended from time to time (each account hereinafter referred to as the “Account”), Northern Funds (hereinafter the “Fund”), a Delaware statutory trust, Northern Trust Investments, Inc. (hereinafter the “Adviser”), and Northern Funds Distributors, LLC (hereinafter the “Distributor”), a Wisconsin limited liability company.

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