Nuveen Lifecycle Income Index CIT Series

Converting some or all of your savings to income benefits (referred to as "annuitization") is a permanent decision. Once income benefit payments have begun, you are unable to change to another option.

Lifetime income payments from TIAA Secure Income Account may include a TIAA Loyalty BonusSM which is discretionary and determined annually.

Retirement paycheck refers to the annuity income received in retirement. Guarantees of fixed monthly payments are only associated with TIAA's fixed annuities.

Annuity contracts may contain terms for keeping them in force. Plan recordkeepers can provide participants with costs and complete details.

TIAA Secure Income Account is a fixed annuity product issued through this contract by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017: Form series including but not limited to: TIAA-UQDIA-002-K and related state specific versions. Not all contracts are available in all states or currently issued. TIAA Secure Income Account is issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY.

SEI Trust Company (the "Trustee") serves as the trustee of the Nuveen Lifecycle Income Index CIT Series (the "Funds") and maintains ultimate fiduciary authority over the management of, and the investments made, in the Funds. The Funds are part of a Collective Investment Trust (the "Trust") operated by the Trustee. The Trustee is a trust company organized under the laws of the Commonwealth of Pennsylvania and wholly owned subsidiary of SEI Investments Company (SEI).

The Trust is managed by the Trustee based on the investment advice of Nuveen Fund Advisors, LLC, the investment adviser to the trust.

The Trust is a trust for the collective investment of assets of participating tax qualified pension and profit-sharing plans and related trusts, and governmental plans as more fully described in the Declaration of Trust. As a bank collective trusts, the Trust is exempt from registration as an investment company.

Important Information on Risk

Investing involves risk; principal loss is possible. There is no guarantee the Funds investment objectives will be achieved. The Funds are fund of funds subject to the risks of their underlying funds in proportion to each Fund allocation. Underlying funds invest primarily in stocks, bonds and real estate. Large cap stocks may grow more slowly than the overall market. Growth stocks and stocks issued by smaller companies are more volatile than other stocks. Bonds lose value when the issuer is unable to make interest and principal payment when due or faces a decline in its credit quality. They experience volatility when interest rates fluctuate. Rising interest rates can cause bond prices to fall. Non-US investments involve risks including currency fluctuation, political and economic instability, and lack of liquidity and differing legal and accounting standards. These risks are magnified in emerging markets. Real estate investment involves risk caused by economic downturns, reduced rents, property tax increases, and interest rate and tax law changes.

A plan fiduciary should consider the Funds' objectives, risks, and expenses before investing. This and other information can be found in the Declaration of Trust and the Funds' Disclosure Memorandum. The Fund is not a mutual fund, and its units are not registered under the Securities Act of 1933, as amended, or the applicable securities laws of any state or other jurisdiction.