PROSPECTUSES

Equities

American Century Equity Income Fund

American Funds American Mutual Fund

American Funds EuroPacific Growth Fund

Columbia Acorn International Fund

Columbia Mid Cap Index Fund

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

DFA Emerging Markets Value Portfolio

ING Global Real Estate Fund

Invesco Small Cap Value Fund

Lord Abbett Developing Growth Fund

MainStay Large Cap Growth Fund

Nuveen Real Estate Securities Fund

Prudential Jennison Mid-Cap Growth Fund

RidgeWorth Mid Cap Value Equity Fund

T. Rowe Price Capital Appreciation 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 Mid-Cap Growth Fund

TIAA-CREF S&P 500 Index Fund

TIAA-CREF Small-Cap Blend Index Fund

TIAA-CREF Social Choice Equity Fund

Fixed Income

CREF Bond Market Account

CREF Inflation-Linked Bond Account

PIMCO GNMA Fund

PIMCO Total Return Fund

Templeton Global Bond 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

Money Market

CREF Money Market Account

TIAA-CREF Money Market Fund

Guaranteed

TIAA Traditional Annuity

Multi-Asset

CREF Social Choice Account

T. Rowe Price Retirement 2010 Fund

T. Rowe Price Retirement 2015 Fund

T. Rowe Price Retirement 2020 Fund

T. Rowe Price Retirement 2025 Fund

T. Rowe Price Retirement 2030 Fund

T. Rowe Price Retirement 2035 Fund

T. Rowe Price Retirement 2040 Fund

T. Rowe Price Retirement 2045 Fund

T. Rowe Price Retirement 2050 Fund

T. Rowe Price Retirement 2055 Fund

T. Rowe Price Retirement Income Fund

C2145

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit www.tiaa-cref.org for details.

TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY.

© 2013 and prior years, Teachers Insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY 10017.