PROSPECTUSES

Equities

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

DFA U.S. Targeted Value Portfolio

Dodge & Cox International Stock Fund

Dreyfus Global Stock Fund

Lord Abbett Developing Growth Fund

Neuberger Berman Socially Responsive Fund

T. Rowe Price Institutional Large Cap Growth Fund

T. Rowe Price Institutional Large Cap Value Fund

Vanguard Extended Market Index Fund

Vanguard Institutional Index Fund

Vanguard Total International Stock Index Fund

Vanguard Total Stock Market Index Fund

Real Estate

TIAA Real Estate Account

Fixed Income

CREF Bond Market Account

CREF Inflation-Linked Bond Account

PIMCO Total Return Fund

Vanguard Total Bond Market Index Fund

Money Market

CREF Money Market Account

Vanguard Prime Money Market Fund

Guaranteed

TIAA Traditional Annuity

Multi-Asset

CREF Social Choice Account

GMO Benchmark-Free Allocation Series Fund

Vanguard Institutional Target Retirement 2010 Fund

Vanguard Institutional Target Retirement 2015 Fund

Vanguard Institutional Target Retirement 2020 Fund

Vanguard Institutional Target Retirement 2025 Fund

Vanguard Institutional Target Retirement 2030 Fund

Vanguard Institutional Target Retirement 2035 Fund

Vanguard Institutional Target Retirement 2040 Fund

Vanguard Institutional Target Retirement 2045 Fund

Vanguard Institutional Target Retirement 2050 Fund

Vanguard Institutional Target Retirement 2055 Fund

Vanguard Institutional Target Retirement 2060 Fund

Vanguard Institutional Target Retirement Income Fund

Vanguard Target Retirement 2010 Fund

Vanguard Target Retirement 2015 Fund

Vanguard Target Retirement 2020 Fund

Vanguard Target Retirement 2025 Fund

Vanguard Target Retirement 2030 Fund

Vanguard Target Retirement 2035 Fund

Vanguard Target Retirement 2040 Fund

Vanguard Target Retirement 2045 Fund

Vanguard Target Retirement 2050 Fund

Vanguard Target Retirement 2055 Fund

Vanguard Target Retirement 2060 Fund

Vanguard Target Retirement Income Fund

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