TIAA vs READYSAVE 529

Manage your retirement and brokerage accounts using the TIAA mobile app. The app provides quick and secure access to all your TIAA finances and puts 100 years of top money management into the palm of your hand. The TIAA mobile app includes: • Security: Use your password, Touch ID, or Face ID to log in • Investment and retirement plan management: Monitor your account activity, contributions, and asset allocation; transfer money between funds in your retirement plan, fund a new brokerage account and track fund performance. • Brokerage trading: Buy and sell equities, ETFs, and mutual funds. • Goals: Monitor savings to achieve your financial goals. • Peek View: View your total portfolio and balances without logging in. • Contact TIAA & Support: Contact a professional or have quick access to all of our support tools and services, view tax forms and other statements. • Apple Watch: View your total portfolio and balances from your wrist. TIAA Brokerage, a division of TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC, distributes securities. Brokerage accounts are carried by Pershing, LLC, a subsidiary of The Bank of New York Mellon Corporation, Member FINRA, NYSE, SIPC. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.

Manage your education savings plan account anywhere, anytime with the READYSAVE 529 mobile app. The app makes it easier than ever to: • Securely access your 529 plan account • Check your account balance, transaction history, and investment allocations • Add money to your balance as a one-time or recurring contribution • See how your savings stack up to others in your plan • Easily invite friends and family to help give your savings a boost • NEW (starting July 2025)– Take money out of your 529 account to pay for education expenses by sending payment directly to a school or university, or to a selected bank Participants in the following 529 programs can use the READYSAVE 529 mobile app to access their account: • Alaska 529* • Achieve Montana + • Arkansas Brighter Future 529 Plan* + • Bright Start 529 College Savings Plan (Illinois)* + • CollegeBound Saver (Rhode Island) + • Indiana529 Direct Savings Plan + • CollegeInvest (Colorado)* + • ISave 529 (Iowa)* + • College SAVE (North Dakota) + • DC College Savings Plan* + • The Education Plan (New Mexico)* + • Edvest College Savings Plan (Wisconsin)* + • HI529 – Hawaii’s College Savings Program* + • IDeal – Idaho College Savings Program* + • KY Saves 529* + • Learning Quest 529 Education Savings Program (Kansas)* • Maryland 529* + • Michigan Education Savings Program* + • Minnesota College Savings Plan* + • MOST – Missouri’s 529 Education Plan* + • NJBEST – (New Jersey) + • NY’s 529 College Savings Program + • Ohio’s 529 College Advantage* + • Oklahoma 529 College Savings Plan* + • PA 529 Investment Plan* + • Path2College 529 Plan (Georgia)* + • ScholarShare 529 (California) + • SMART529 (West Virginia) + • SMART529 Select (West Virginia) + • Future Path 529 Plan (Nevada)* + • T. Rowe Price College Savings Plan* + • TNStars* + * Denotes that users can enroll in the plan directly from the app + Denotes that users can withdraw money from their account to pay for education expenses