PROSPECTUSES

TIAA Access T1 prospectus

Equities

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 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 Bond Plus 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 Retirement Income Fund

TIAA Access Account - Vanguard Wellington 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.