PROSPECTUSES

Equities

American Century Mid Cap Value Fund

Calvert Capital Accumulation Fund

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

DFA Emerging Markets Small Cap Portfolio

Eaton Vance Atlanta Capital SMID-Cap Fund

Invesco Diversified Dividend Fund

MassMutual Select Overseas Fund

Parnassus Small Cap Fund

PIMCO RealEstateRealReturn Strategy

TIAA-CREF Equity Index Fund

TIAA-CREF International Equity Fund

TIAA-CREF Large-Cap Value Fund

TIAA-CREF Mid-Cap Growth Fund

TIAA-CREF Mid-Cap Value Fund

TIAA-CREF Small-Cap Equity Fund

TIAA-CREF Social Choice Equity Fund

TouchstoneSands Capital Institutional Growth Fund

Vanguard Mid-Cap Index Fund

Vanguard Small-Cap Index Fund

Vanguard Total International Stock Index Fund

Real Estate

TIAA Real Estate Account

Fixed Income

BlackRock Inflation Protected Bond Fund

Calvert Bond Portfolio

CREF Bond Market Account

CREF Inflation-Linked Bond Account

Federated Institutional High Yield Bond Fund

Legg Mason BW Global Opportunities Bond Fund

Pax World High Yield Bond Fund

PIMCO Diversified Income Fund

Money Market

CREF Money Market Account

Guaranteed

TIAA Traditional Annuity

Multi-Asset

CREF Social Choice Account

PIMCO Commodity Real Return Strategy Fund

T. Rowe Price Retirement 2005 Fund

T. Rowe Price Retirement 2010 Fund

T. Rowe Price Retirement 2015 Fund

T. Rowe Price Retirement 2020 Fund

T. Rowe Price Retirement 2025 Fund

T. Rowe Price Retirement 2030 Fund

T. Rowe Price Retirement 2035 Fund

T. Rowe Price Retirement 2040 Fund

T. Rowe Price Retirement 2045 Fund

T. Rowe Price Retirement 2050 Fund

T. Rowe Price Retirement 2055 Fund

T. Rowe Price Retirement Income Fund

TIAA-CREF Lifecycle 2010 Fund

TIAA-CREF Lifecycle 2015 Fund

TIAA-CREF Lifecycle 2020 Fund

TIAA-CREF Lifecycle 2025 Fund

TIAA-CREF Lifecycle 2030 Fund

TIAA-CREF Lifecycle 2035 Fund

TIAA-CREF Lifecycle 2040 Fund

TIAA-CREF Lifecycle 2045 Fund

TIAA-CREF Lifecycle 2050 Fund

TIAA-CREF Lifecycle 2055 Fund

TIAA-CREF Lifecycle Retirement Income Fund

C10279