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The Michigan Education Savings Program

Program DISCLOSURE BOOKLET AND PARTICIPATION AGREEMENTS The Michigan Education Savings Program ADMINISTERED BY: The Michigan Department of Treasury Program MANAGER: TIAA-CREF Tuition Financing, Inc. June 12, 2006 No security issued by MESP has been registered with or approved by the United States Securities and Exchange Commission or any state securities commission. 2006 State of Michigan No dealer, broker, salesperson or other person has been authorized by the Program Manager or the State of Michigan ( State ) to give any information or to make any representations other than those contained in this document and, if given or made, such other information or representations must not be relied upon as having been authorized by the Program Manager or the State.

an offer to buy, nor shall there be any sale of a security in the Michigan Education Savings Program (“ MESP ”) by any person in any jurisdiction in which it is unlawful for such person to make such an offer, solicitation or sale.

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