PROSPECTUSES

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

TIAA Access Account - American Funds EuroPacific Growth Fund

TIAA Access Account - American Funds Washington Mutual Investors Fund

TIAA Access Account - DFA Emerging Markets Portfolio

TIAA Access Account - Dodge & Cox International Stock Fund

TIAA Access Account - T. Rowe Price Institutional Large-Cap Growth Fund

TIAA Access Account - TIAA-CREF Emerging Markets Equity Fund

TIAA Access Account - TIAA-CREF Emerging Markets Equity Index Fund

TIAA Access Account - TIAA-CREF Equity Index Fund

TIAA Access Account - TIAA-CREF Growth & Income Fund

TIAA Access Account - TIAA-CREF International Equity Fund

TIAA Access Account - TIAA-CREF International Equity Index Fund

TIAA Access Account - TIAA-CREF Large-Cap Growth Index Fund

TIAA Access Account - TIAA-CREF Large-Cap Value Fund

TIAA Access Account - TIAA-CREF Large-Cap Value Index Fund

TIAA Access Account - TIAA-CREF Mid-Cap Growth Fund

TIAA Access Account - TIAA-CREF Mid-Cap Value Fund

TIAA Access Account - TIAA-CREF Real Estate Securities Fund

TIAA Access Account - TIAA-CREF S&P 500 Index Fund

TIAA Access Account - TIAA-CREF Small-Cap Blend Index Fund

TIAA Access Account - TIAA-CREF Small-Cap Equity Fund

TIAA Access Account - TIAA-CREF Social Choice Equity Fund

TIAA Access Account - Vanguard Emerging Markets Stock Index Fund

TIAA Access Account - Vanguard Explorer Fund

TIAA Access Account - Vanguard Selected Value Fund

TIAA Access Account - Vanguard Small-Cap Value Index Fund

Real Estate

TIAA Real Estate Account

Fixed Income

CREF Bond Market Account

CREF Inflation-Linked Bond Account

TIAA Access Account - TIAA-CREF Bond Index Fund

TIAA Access Account - TIAA-CREF High-Yield Fund

TIAA Access Account - TIAA-CREF Short-Term Bond Fund

TIAA Access Account - Vanguard Intermediate-Term Treasury Fund

TIAA Access Account - Western Asset Core Plus Bond Fund

Money Market

CREF Money Market Account

Guaranteed

TIAA Traditional Annuity

Multi-Asset

CREF Social Choice Account

TIAA Access Account - TIAA-CREF Lifecycle 2010 Fund

TIAA Access Account - TIAA-CREF Lifecycle 2015 Fund

TIAA Access Account - TIAA-CREF Lifecycle 2020 Fund

TIAA Access Account - TIAA-CREF Lifecycle 2025 Fund

TIAA Access Account - TIAA-CREF Lifecycle 2030 Fund

TIAA Access Account - TIAA-CREF Lifecycle 2035 Fund

TIAA Access Account - TIAA-CREF Lifecycle 2040 Fund

TIAA Access Account - TIAA-CREF Lifecycle 2045 Fund

TIAA Access Account - TIAA-CREF Lifecycle 2050 Fund

TIAA Access Account - TIAA-CREF Lifecycle 2055 Fund

TIAA Access Account - TIAA-CREF Lifecycle Retirement Income Fund

TIAA Access Account - Vanguard Wellington Fund

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