PROSPECTUSES

Equities

American Funds EuroPacific Growth Fund

Artisan International Value Fund

Cohen & Steers Institutional Realty Shares

Columbia Acorn International Fund

Columbia Mid Cap Index Fund

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

Eagle Small Cap Growth Fund

Goldman Sachs Small Cap Value Fund

John Hancock Disciplined Value Fund

MFS International Value Fund

MFS Mid Cap Value Fund

Morgan Stanley Inst Fund Trust Mid Cap Growth Portfolio

Prudential Jennison Natural Resources Fund

Royce Pennsylvania Mutual Fund

T. Rowe Price Institutional Large Cap Growth 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 Extended Market Index Fund

Vanguard Institutional Index Fund

Vanguard Total International Stock Index Fund

Wells Fargo Advantage Emerging Markets Equity Fund

Real Estate

TIAA Real Estate Account

Fixed Income

CREF Bond Market Account

CREF Inflation-Linked Bond Account

JPMorgan Core Bond Fund

PIMCO Total Return Fund

Templeton Global Bond Fund

TIAA-CREF Bond Plus Fund

TIAA-CREF High-Yield Fund

TIAA-CREF Short-Term Bond Fund

Vanguard Short-Term Bond Index Fund

Vanguard Total Bond Market Index Fund

Money Market

CREF Money Market Account

Guaranteed

TIAA Traditional Annuity

Multi-Asset

CREF Social Choice Account

PIMCO All Asset 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

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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