PROSPECTUSES

Equities

American Funds Capital World Growth and Income Fund

American Funds EuroPacific Growth Fund

American Funds Fundamental Investors Fund

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

Goldman Sachs Growth Opportunities Fund

Goldman Sachs Large Cap Value Fund

Keeley Small Cap Value Fund

Legg Mason Capital Management Opportunity Trust

Legg Mason Capital Management Value Trust

Legg Mason ClearBridge Small Cap Value Fund

Lord Abbett Value Opportunities Fund

Neuberger Berman Socially Responsive Fund

Nuveen Mid Cap Growth Opportunities Fund

Royce Opportunity Fund

Royce Premier Fund

SSgA S&P 500 Index Fund

T. Rowe Price Capital Appreciation Fund

T. Rowe Price Growth Stock Fund

TIAA-CREF Equity Index Fund

TIAA-CREF Growth & Income Fund

TIAA-CREF International Equity Fund

TIAA-CREF International Equity Index Fund

TIAA-CREF Large-Cap Growth Fund

TIAA-CREF Large-Cap Growth Index Fund

TIAA-CREF Large-Cap Value Fund

TIAA-CREF Large-Cap Value Index Fund

TIAA-CREF Mid-Cap Growth Fund

TIAA-CREF Mid-Cap Value Fund

TIAA-CREF Real Estate Securities Fund

TIAA-CREF S&P 500 Index Fund

TIAA-CREF Small-Cap Blend Index Fund

TIAA-CREF Small-Cap Equity Fund

TIAA-CREF Social Choice Equity Fund

Vanguard 500 Index Fund

Vanguard Explorer Fund

Vanguard Selected Value Fund

Vanguard Small-Cap Growth Index Fund

Vanguard Strategic Equity Fund

Vanguard Windsor II Fund

Real Estate

TIAA Real Estate Account

Fixed Income

CREF Bond Market Account

CREF Inflation-Linked Bond Account

Goldman Sachs Government Income Fund

TIAA-CREF Bond Fund

TIAA-CREF Bond Plus Fund

TIAA-CREF High-Yield Fund

TIAA-CREF Inflation-Linked Bond Fund

TIAA-CREF Short-Term Bond Fund

Western Asset Core Plus Bond Fund

Money Market

CREF Money Market Account

TIAA-CREF Money Market Fund

Guaranteed

TIAA Traditional Annuity

Multi-Asset

CREF Social Choice Account

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

TIAA-CREF Managed Allocation Fund

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