PROSPECTUSES

Equities

American Funds EuroPacific Growth Fund

American Funds Fundamental Investors Fund

Columbia Acorn International Fund

Columbia Mid Cap Index Fund

CREF Equity Index Account

CREF Global Equities Account

CREF Stock Account

DFA Emerging Markets Value Portfolio

Eaton Vance Large-Cap Value Fund

Federated Clover Small Value Fund

Harbor International Fund

Lord Abbett Developing Growth Fund

Morgan Stanley Inst Fund Trust Mid Cap Growth Portfolio

Prudential Jennison Growth Fund

Prudential Jennison Natural Resources Fund

RidgeWorth Mid Cap Value Equity Fund

Royce Pennsylvania Mutual Fund

T. Rowe Price Growth Stock Fund

TIAA-CREF International Equity Index Fund

TIAA-CREF Large-Cap Value Fund

TIAA-CREF Mid-Cap Growth Fund

TIAA-CREF Mid-Cap Value Fund

TIAA-CREF S&P 500 Index Fund

TIAA-CREF Small-Cap Blend Index Fund

TIAA-CREF Small-Cap Equity Fund

Real Estate

TIAA Real Estate Account

Fixed Income

American Century Ginnie Mae Fund

CREF Bond Market Account

CREF Inflation-Linked Bond Account

PIMCO Total Return Fund

Templeton Global Bond Fund

TIAA-CREF High-Yield Fund

Vanguard Short-Term Bond Index Fund

Western Asset Core Plus Bond Fund

Money Market

CREF Money Market Account

TIAA-CREF Money Market Fund

Guaranteed

TIAA Traditional Annuity

Multi-Asset

BlackRock Global Allocation Fund

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

Other

Credit Suisse Commodity Return Strategy Fund

C10279