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<PAGE> SUPPLEMENT dated January 22, 1996 to the Prospectus dated April 1, 1995 for the Individual Deferred Variable Annuities Funded through TIAA Separate Account VA-1 Page 7 of the Prospectus, under the caption "Adding, Closing, or Substituting Portfolios" is hereby amended to delete the fourth sentence and replace it with the following: "We can add or close portfolios, substitute one portfolio for another, or combine portfolios, subject to the requirements of applicable law."
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