PROSPECTUSES

Equities

American Funds Capital World Growth and Income Fund

American Funds EuroPacific Growth Fund

American Funds Fundamental Investors Fund

American Funds Growth Fund of America

American Funds New Perspective Fund

American Funds Washington Mutual Investors Fund

Columbia Mid Cap Value Fund

Columbia Small Cap Value Fund I

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

Eaton Vance Large-Cap Value Fund

Forward International Small Companies Fund

Harbor International Fund

Lazard Emerging Markets Equity Portfolio

Munder Mid-Cap Core Growth Fund

Royce Micro-Cap Fund

Royce Premier Fund

T. Rowe Price Capital Appreciation Fund

T. Rowe Price Growth Stock Fund

Thornburg International Value Fund

TIAA-CREF Emerging Markets Equity Index Fund

TIAA-CREF Equity Index Fund

TIAA-CREF Global Natural Resources 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 Developed Markets Index Fund

Vanguard Extended Market Index Fund

Vanguard Institutional Index Fund

Vanguard Small-Cap Growth Index Fund

Vanguard Small-Cap Index Fund

Real Estate

TIAA Real Estate Account

Fixed Income

CREF Bond Market Account

CREF Inflation-Linked Bond Account

Goldman Sachs Government Income Fund

MainStay High-Yield Corporate Bond Fund

Oppenheimer Senior Floating Rate Fund

PIMCO Total Return Fund

Templeton Global Bond Fund

TIAA-CREF High-Yield Fund

TIAA-CREF Short-Term Bond Fund

TIAA-CREF Social Choice Bond Fund

Vanguard Total Bond Market Index Fund

Western Asset Core Plus Bond Fund

Money Market

CREF Money Market Account

Guaranteed

TIAA Traditional Annuity

Multi-Asset

American Funds Capital Income Builder Fund

American Funds Income Fund of America

CREF Social Choice Account

TIAA-CREF Lifecycle Index 2010 Fund

TIAA-CREF Lifecycle Index 2015 Fund

TIAA-CREF Lifecycle Index 2020 Fund

TIAA-CREF Lifecycle Index 2025 Fund

TIAA-CREF Lifecycle Index 2030 Fund

TIAA-CREF Lifecycle Index 2035 Fund

TIAA-CREF Lifecycle Index 2040 Fund

TIAA-CREF Lifecycle Index 2045 Fund

TIAA-CREF Lifecycle Index 2050 Fund

TIAA-CREF Lifecycle Index 2055 Fund

TIAA-CREF Lifecycle Index Retirement Income Fund

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