Dear Envisage Team Member: IMPORTANT CHANGES ARE

December 4, 2015
Dear Envisage Team Member:
IMPORTANT CHANGES ARE COMING SOON TO THE RETIREMENT PLAN.
We are pleased to announce several changes to the retirement plan, effective January 1, 2016. To get the most out
of the retirement plan, please read this and future communications carefully. We also encourage you to attend a
seminar where you can ask questions about the changes. See the enclosed Plan Update Guide for seminar dates.
A COMPREHENSIVE REVIEW AND SELECTION PROCESS
Envisage Information Systems, LLC, is committed to offering a competitive retirement program that reflects
industry best practices. Based on this commitment, we recently conducted a comprehensive review of the
retirement plan and determined that joining the TIAA Code Section 401(k) Plan would provide the best value
combined with the greatest breadth of retirement services for all team members.
WHAT YOU NEED TO KNOW
• Effective January 1, 2016, all team members will begin participating in the TIAA Code Section 401(k)
Plan. At this time future contributions will be directed to TIAA-CREF. Existing balances in the Staff Leasing
Retirement Savings Plan will remain with VOYA while we work closely with TIAA-CREF to coordinate an
automatic transfer to your TIAA-CREF account in early 2016.
• The 401(k) Plan investment menu includes a variety of low-cost investment options that give you the
ability to create a diversified retirement portfolio that matches your investment goals and preferences.
• All team members can receive personalized advice on the 401(k) Plan’s investment options from a TIAA-CREF
Financial Consultant. This service is available as part of your 401(k) Plan at no additional cost to you.
HAVE QUESTIONS?
Please see the enclosed Plan Update Guide and notice for important information about the TIAA Code Section
401(k) Plan and any actions you may want to consider.
You can also call TIAA-CREF at 877 452-8798. Consultants are available Monday through Friday, 8 a.m. to
10 p.m. and Saturday, 9 a.m. to 6 p.m. (ET). Or visit www.tiaa-cref.org/envisage for more information about
the 401(k) Plan.
Envisage Information Systems, LLC, is committed to providing the resources you need to help you prepare for
retirement. Please review future communications — and attend a seminar — to make the most of your
retirement benefits.
Sincerely,
Cathy Steding
Chief Financial Officer
Enclosure(s): Plan Update Guide, Auto-enroll and Qualified Default Investment Alternative (QDIA) Notice, QDIA
Fund Fact Sheet
31 Dutch Mill Road
443 N Franklin St.
306 East Main Street
Ithaca, NY 14850
Syracuse, NY 13204
Endicott, NY 13760
CNA
474020-601902 (12/15)
Introducing the TIAA Code Section 401(k) Plan for
Envisage Information Systems, LLC, team members
What this means to you
• Envisage Information Systems, LLC, will be joining the TIAA Code
Section 401(k) Plan, effective January 1, 2016. The new 401(k) Plan
offers a wide array of low-cost, specially selected investment options.
• You can pre-enroll in the new 401(k) Plan. You will be able to elect
your contribution rate on Employee Navigator and, beginning
December 31, 2015, set up your investment allocation and beneficiary
information at www.tiaa-cref.org/envisage before the first contribution
is directed to the Plan on January 7, 2016.
• As a TIAA-CREF participant, you can receive personalized advice on the
Plan’s investment options from a TIAA-CREF Financial Consultant. This
service is available as part of your retirement program at no additional cost to
you. Investment advice is available online, by phone or through a One-on-One
Counseling session. Consultants will be on site for individual appointments in
January 2016. The dates will be announced shortly.
Key dates
Week of December 7, 2015
Attend a transition seminar to learn more
about the updates. See the back cover for
the complete schedule.
December 21, 2015
Last day to update your contribution amount
(including electing to contribute zero) in
Employee Navigator before your TIAA Code
Section 401(k) Plan account is issued.
December 31, 2015 to January 6, 2016
You can pre-select your investments at
www.tiaa-cref.org/envisage prior to the
first contribution.
Action items for the Envisage Team
January 7, 2016
• Attend a transition seminar. Access Employee Navigator and select Start
Benefits to update your salary deferral amount.
If you did not pre-enroll, you will be
automatically issued a new TIAA Code
Section 401(k) Plan account and an
enrollment confirmation will be sent to your
home address.
• Visit www.tiaa-cref.org/envisage to review the new investment options,
access retirement plan information and, from December 31, 2015 to
January 6, 2016, to pre-enroll, select your investments and name
your beneficiary.
January 2016
• If you were automatically enrolled, beginning January 8, 2016, you can log
in to your account and review and update your investment elections and
beneficiary information.
TIAA-CREF Financial Consultants will be on
site for individual advice sessions. The dates
will be announced shortly.
How the transition will work
All team members can take advantage of a pre-enrollment period to establish a contribution rate and choose investments
before the first contribution is made to the TIAA Code Section 401(k) Plan. To change your contribution amount or elect to
not contribute to the 401(k) Plan, you can log in to Employee Navigator beginning December 7, 2015. Any changes made by
December 21, 2015, will be effective with the January 7, 2016, contribution.
You may also pre-select your investments and name your beneficiary for your TIAA Code Section 401(k) Plan account. This
pre-enrollment period begins December 31, 2015, and ends January 6, 2016. Go to www.tiaa-cref.org/envisage, select the Enroll
Now tab, then choose the Plan name and follow the instructions to establish your account.
If you take no action, you will be automatically enrolled at 3% on a pretax basis; you have the option of waiving the election
through Employee Navigator. TIAA-CREF will issue you a new account and will send an enrollment confirmation to your home.
Until you update your investment choices with TIAA-CREF, future contributions will be directed to the Plan’s default investment
option, the TIAA-CREF Lifecycle Fund with the target year closest to the year you turn age 65. You can locate your year of birth
on the Target Date Fund Table below to determine the corresponding fund. Your estate will be listed as your beneficiary. We
encourage you to name your beneficiary to ensure it reflects your intentions.
Important note about existing Plan assets at VOYA: It is intended that any existing balances in your current Staff Leasing
Retirement Savings Plan will be transferred to your new TIAA Code Section 401(k) Plan account in the first quarter of 2016. The
transfer should occur automatically and you will be notified in advance of the exact timing and of any action required on your part.
Target date fund table
Birth year
Age-appropriate TIAA-CREF Lifecycle Index Fund
Ticker
Prior to 1948
TIAA-CREF LIFECYCLE 2010-INSTITUTIONAL
TCTIX
1949 – 1953
TIAA-CREF LIFECYCLE 2015-INSTITUTIONAL
TCNIX
1954 – 1958
TIAA-CREF LIFECYCLE 2020-INSTITUTIONAL
TCWIX
1959 – 1963
TIAA-CREF LIFECYCLE 2025-INSTITUTIONAL
TCYIX
1964 – 1968
TIAA-CREF LIFECYCLE 2030-INSTITUTIONAL
TCRIX
1969 – 1973
TIAA-CREF LIFECYCLE 2035-INSTITUTIONAL
TCIIX
1974 – 1978
TIAA-CREF LIFECYCLE 2040-INSTITUTIONAL
TCOIX
1979 – 1983
TIAA-CREF LIFECYCLE 2045-INSTITUTIONAL
TTFIX
1984 – 1988
TIAA-CREF LIFECYCLE 2050-INSTITUTIONAL
TFTIX
1989 to the present
TIAA-CREF LIFECYCLE 2055-INSTITUTIONAL
TTRIX
How to update your salary deferral information on Employee Navigator
To change your current salary deferral amount or to elect to not contribute to the plan, go to Employee Navigator,
select Start Benefits and follow the instructions.
How to update your TIAA Code Section 401(k) Plan account beginning December 31, 2015
Online
To update your investment choices
and beneficiary information, go to
www.tiaa-cref.org/envisage and select
Enroll Now, or once your account is issued,
select Log In. (First-time users will need to
establish a user ID and password.)
Phone
In person
If you have any questions or would like
assistance selecting your new investment
options, call TIAA-CREF at 877 452-8798,
Monday to Friday, 8 a.m. to 10 p.m., or
Saturday, 9 a.m. to 6 p.m. (ET).
You can also update your account
information during a One-on-One
Counseling session with a TIAA-CREF
Financial Consultant.
TIAA Code Section 401(k) Plan investment menu
These new choices may offer you flexibility to create a retirement strategy that matches your investment preferences and
goals. You can see details on the new menu online at www.tiaa-cref.org/envisage. Click on Plans & Investments and then
select Investment Choices to view the individual investment information.
GUARANTEED1
TICKER SYMBOL
TIAA TRADITIONAL
Guaranteed Annuity
MONEY MARKET
TICKER SYMBOL
1
CREF MONEY MARKET ACCOUNT (VARIABLE ANNUITY) R3
QCMMIX
FIXED INCOME (BONDS)
TICKER SYMBOL
CREF BOND MARKET ACCOUNT (VARIABLE ANNUITY) R3
QCBMIX
CREF INFLATION-LINKED BOND ACCOUNT (VARIABLE ANNUITY) R3
QCILIX
TIAA-CREF BOND PLUS – INSTITUTIONAL
TIBFX
TIAA-CREF HIGH-YIELD – INSTITUTIONAL
TIHYX
TIAA-CREF SHORT-TERM BOND – INSTITUTIONAL
TISIX
MULTI-ASSET
TICKER SYMBOL
CREF SOCIAL CHOICE ACCOUNT (VARIABLE ANNUITY) R3
QCSCIX
TIAA-CREF LIFECYCLE 2010 – INSTITUTIONAL
TCTIX
TIAA-CREF LIFECYCLE 2015 – INSTITUTIONAL
TCNIX
TIAA-CREF LIFECYCLE 2020 – INSTITUTIONAL
TCWIX
TIAA-CREF LIFECYCLE 2025 – INSTITUTIONAL
TCYIX
TIAA-CREF LIFECYCLE 2030 – INSTITUTIONAL
TCRIX
TIAA-CREF LIFECYCLE 2035 – INSTITUTIONAL
TCIIX
TIAA-CREF LIFECYCLE 2040 – INSTITUTIONAL
TCOIX
TIAA-CREF LIFECYCLE 2045 – INSTITUTIONAL
TTFIX
TIAA-CREF LIFECYCLE 2050 – INSTITUTIONAL
TFTIX
TIAA-CREF LIFECYCLE 2055 – INSTITUTIONAL
TTRIX
TIAA-CREF LIFECYCLE RETIREMENT INCOME – INSTITUTIONAL
TLRIX
REAL ESTATE
TICKER SYMBOL
TIAA REAL ESTATE ACCOUNT (VARIABLE ANNUITY)
QREARX
EQUITIES (STOCKS)
TICKER SYMBOL
CREF EQUITY INDEX ACCOUNT (VARIABLE ANNUITY) R3
QCEQIX
CREF GLOBAL EQUITIES ACCOUNT (VARIABLE ANNUITY) R3
QCGLIX
CREF GROWTH ACCOUNT (VARIABLE ANNUITY) R3
QCGRIX
CREF STOCK ACCOUNT (VARIABLE ANNUITY) R3
QCSTIX
TIAA-CREF EMERGING MARKET EQUITY – INSTITUTIONAL
TEMLX
TIAA-CREF GROWTH & INCOME – INSTITUTIONAL
TIGRX
TIAA-CREF INTERNATIONAL EQUITY INDEX – INSTITUTIONAL
TCIEX
TIAA-CREF INTERNATIONAL EQUITY – INSTITUTIONAL
TIIEX
TIAA-CREF LARGE-CAP GROWTH INDEX – INSTITUTIONAL
TILIX
TIAA-CREF LARGE-CAP GROWTH – INSTITUTIONAL
TILGX
TIAA-CREF LARGE-CAP VALUE INDEX – INSTITUTIONAL
TILVX
TIAA-CREF LARGE-CAP VALUE – INSTITUTIONAL
TRLIX
TIAA-CREF MID-CAP GROWTH – INSTITUTIONAL
TRPWX
TIAA-CREF MID-CAP VALUE – INSTITUTIONAL
TIMVX
TIAA-CREF REAL ESTATE SECURITIES – INSTITUTIONAL
TIREX
TIAA-CREF S&P 500 INDEX – INSTITUTIONAL
TISPX
TIAA-CREF SMALL-CAP BLEND INDEX – INSTITUTIONAL
TISBX
TIAA-CREF SMALL-CAP EQUITY – INSTITUTIONAL
TISEX
TIAA-CREF SOCIAL CHOICE EQUITY – INSTITUTIONAL
TISCX
TIAA Traditional Annuity is a guaranteed
insurance contract and not an investment
for federal securities law purposes. Any
guarantees under annuities issued by TIAA
are subject to TIAA’s claims-paying ability.
1
Investment products may be subject to
market and other risk factors. See the
applicable product literature or visit
www.tiaa-cref.org/envisage for details.
All investment options have expenses
and other fees that can be found in the
prospectuses at www.tiaa-cref.org/
envisage. Some investment options may
also have redemption or other fees.
Not sure where to begin?
Meet with us to help you take the next step!
Attend a transition seminar to learn more about the 401(k) Plan updates.
Date
Time
Location
December 7, 2015
8:30 a.m. – 9:30 a.m.
10 a.m. – 11 p.m.
1 p.m. – 2 p.m.
2:30 p.m. – 3:30 p.m.
4 p.m. – 5 p.m.
Syracuse Billings Conference Room
Syracuse Billings Conference Room
Ithaca Envisage Lab
Ithaca Envisage Lab
Ithaca Envisage Lab
December 11, 2015
11 a.m. – 12 p.m.
3 p.m. – 4 p.m.
Endicott Waneta Conference Room
Ithaca Envisage Lab
You can also get personalized retirement plan advice on the Plan’s investment options from a TIAA-CREF Financial Consultant. This
service is available by phone or in person as part of your retirement program at no additional cost to you.
Consultants will be on site in January for individual appointments. The schedule will be provided in advance.
Contact TIAA-CREF.
Phone
Call 877 452-8798, Monday to Friday, 8 a.m. to 10 p.m., or Saturday, 9 a.m. to 6 p.m. (ET).
Online
Visit www.tiaa-cref.org/envisage to learn about the program’s investment choices and access retirement
planning tools.
Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not bank deposits, are not
insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.
You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877 518-9161
or go to www.tiaa-cref.org/envisage for current product and fund prospectuses that contain this and other information. Please
read the prospectuses carefully before investing.
TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC,
distribute 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. Brokerage Services
are provided by TIAA-CREF Brokerage Services, a division of TIAA-CREF Individual & Institutional Services, LLC.
©2015 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY 10017
C26557474020-601702
(12/15)