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All T. Rowe Price funds are offered by prospectus only. Prospectuses include investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing.

Every T. Rowe Price mutual fund issues a report every six months according to its fiscal-year schedule. In each report, the fund manager discusses the general market environment, explains the investment decisions made during the reporting period, and presents an outlook for the economy and the financial markets. These reports are intended for shareholders and others who have reviewed the fund's prospectus.

You can also obtain a free copy of the prospectus or the fund report by calling us toll free at 1-800-541-8803.

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The annual and semiannual reports for the Domestic Stock Funds cover the one-year and six-month periods ended December 31st and June 30th, respectively, and are available within 60 days of the indicated period-ends. The only exceptions to this are the annual and semiannual reports for the Tax-Efficient Balanced, Tax-Efficient Growth and Tax-Efficient Multi-Cap Growth Funds (which cover the one-year and six-month periods ended February 28th and August 31st, respectively).

 
Fund Name Prospectus Annual Report Semi-Annual Report
Balanced Acrobat Acrobat Acrobat
Blue Chip Growth Acrobat Acrobat Acrobat
Capital Appreciation Acrobat Acrobat Acrobat
Capital Opportunity Acrobat Acrobat Acrobat
Diversified Mid-Cap Growth Acrobat Acrobat Acrobat
Diversified Small-Cap Growth Acrobat Acrobat Acrobat
Dividend Growth Acrobat Acrobat Acrobat
Equity Income Acrobat Acrobat Acrobat
Equity Index 500 Acrobat Acrobat Acrobat
Extended Equity Market Index Acrobat Acrobat Acrobat
Financial Services Acrobat Acrobat Acrobat
Growth & Income Acrobat Acrobat Acrobat
Growth Stock Acrobat Acrobat Acrobat
Health Sciences Acrobat Acrobat Acrobat
Media & Telecommunications Acrobat Acrobat Acrobat
Mid-Cap Growth Acrobat Acrobat Acrobat
Mid-Cap Value Acrobat Acrobat Acrobat
New America Growth Acrobat Acrobat Acrobat
New Era Acrobat Acrobat Acrobat
New Horizons Acrobat Acrobat Acrobat
Real Estate Acrobat Acrobat Acrobat
Science & Technology Acrobat Acrobat Acrobat
Small-Cap Stock Acrobat Acrobat Acrobat
Small-Cap Value Acrobat Acrobat Acrobat
Spectrum Growth Acrobat Acrobat Acrobat
Tax-Efficient Balanced Acrobat Acrobat Acrobat
Tax-Efficient Growth Acrobat Acrobat Acrobat
Tax-Efficient Multi-Cap Growth Acrobat Acrobat Acrobat
Total Equity Market Index Acrobat Acrobat Acrobat
U.S. Large-Cap Core Acrobat Acrobat Acrobat
Value Acrobat Acrobat Acrobat
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The annual and semiannual reports for the International Stock Funds cover the one-year and six-month periods ended October 31st and April 30th, respectively, and are available within 60 days of the indicated period-ends. The only exceptions to this are the annual and semiannual reports for the Global Real Estate, Global Technology, and Spectrum International Funds (which cover the one-year and six-month periods ended December 31st and June 30th, respectively).

The annual and semiannual reports for the International Bond Funds cover the one-year and six-month periods ended December 31st and June 30th, respectively, and are available within 60 days of the indicated period ends.

 
International Stock Funds
Fund Name Prospectus Annual Report Semi-Annual Report
Africa & Middle East Acrobat Acrobat Acrobat
Emerging Europe & Mediterranean Acrobat Acrobat Acrobat
Emerging Markets Stock Acrobat Acrobat Acrobat
European Stock Acrobat Acrobat Acrobat
Global Large-Cap Stock Acrobat Acrobat Acrobat
Global Real Estate Acrobat Acrobat Acrobat
Global Stock Acrobat Acrobat Acrobat
Global Technology Acrobat Acrobat Acrobat
International Discovery Acrobat Acrobat Acrobat
International Equity Index Acrobat Acrobat Acrobat
International Growth & Income Acrobat Acrobat Acrobat
International Stock Acrobat Acrobat Acrobat
Japan Acrobat Acrobat Acrobat
Latin America Acrobat Acrobat Acrobat
New Asia Acrobat Acrobat Acrobat
Overseas Stock Acrobat Acrobat Acrobat
Spectrum International Acrobat Acrobat Acrobat
International Bond Funds
Fund Name Prospectus Annual Report Semi-Annual Report
Emerging Markets Bond Acrobat Acrobat Acrobat
International Bond Acrobat Acrobat Acrobat
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The annual and semiannual reports for the Taxable Domestic Bond Funds cover the one-year and six-month periods ended May 31st and November 30th, respectively, and are available within 60 days of the indicated period-ends. The only exceptions to this are the annual and semiannual reports for the Spectrum Income Fund (which cover the one-year and six-month periods ended December 31st and June 30th, respectively) and the U.S. Bond Index Fund (which cover the one-year and six-month periods ended April 30th and October 31st, respectively).

The annual and semiannual shareholder reports for the Tax-Free Domestic Bond Funds cover the one-year and six-month periods ended February 28th and August 31st, respectively, and are available within 60 days of the indicated period-ends.

The annual and semiannual shareholder reports for the Summit Funds cover the one-year and six-month periods ended October 31st and April 30th, respectively, and are available within 60 days of the indicated period-ends.

 
Taxable Domestic Bond Funds
Fund Name Prospectus Annual Report Semi-Annual Report
Corporate Income Acrobat Acrobat Acrobat
GNMA Acrobat Acrobat Acrobat
High Yield Acrobat Acrobat Acrobat
Inflation Protected Bond Acrobat Acrobat Acrobat
New Income Acrobat Acrobat Acrobat
Short-Term Bond Acrobat Acrobat Acrobat
Spectrum Income Acrobat Acrobat Acrobat
Strategic Income Acrobat Acrobat Acrobat
Summit GNMA Acrobat Acrobat Acrobat
U.S. Bond Index Acrobat Acrobat Acrobat
U.S. Treasury Intermediate Acrobat Acrobat Acrobat
U.S. Treasury Long-Term Acrobat Acrobat Acrobat
Tax-Free Domestic Bond Funds
Fund Name Prospectus Annual Report Semi-Annual Report
California Tax-Free Bond Acrobat Acrobat Acrobat
Georgia Tax-Free Bond Acrobat Acrobat Acrobat
Maryland Tax-Free Bond Acrobat Acrobat Acrobat
Maryland Short-term Tax-Free Bond Acrobat Acrobat Acrobat
New Jersey Tax-Free Bond Acrobat Acrobat Acrobat
New York Tax-Free Bond Acrobat Acrobat Acrobat
Summit Municipal Income Acrobat Acrobat Acrobat
Summit Municipal Intermediate Acrobat Acrobat Acrobat
Tax-Free High Yield Acrobat Acrobat Acrobat
Tax-Free Income Acrobat Acrobat Acrobat
Tax-Free Short-Intermediate Acrobat Acrobat Acrobat
Virginia Tax-Free Bond Acrobat Acrobat Acrobat
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The annual and semiannual reports for the Taxable Money Market Funds cover the one-year and six-month periods ended May 31st and November 30th, respectively, and are available within 60 days of the indicated period-ends.

The annual and semiannual shareholder reports for the Tax-Free Money Market Funds cover the one-year and six-month periods ended February 28th and August 31st, respectively, and are available within 60 days of the indicated period-ends. The annual and semiannual shareholder reports for the Summit Funds cover the one-year and six-month periods ended October 31st and April 30th, respectively, and are available within 60 days of the indicated period-ends.

 
Taxable Money Market Funds
Fund Name Prospectus Annual Report Semi-Annual Report
Prime Reserve Acrobat Acrobat Acrobat
Summit Cash Reserves Acrobat Acrobat Acrobat
U.S. Treasury Money Acrobat Acrobat Acrobat
Tax-Free Money Market Funds
Fund Name Prospectus Annual Report Semi-Annual Report
California Tax-Free Money Acrobat Acrobat Acrobat
Maryland Tax-Free Money Acrobat Acrobat Acrobat
New York Tax-Free Money Acrobat Acrobat Acrobat
Summit Municipal Money Acrobat Acrobat Acrobat
Tax-Exempt Money Acrobat Acrobat Acrobat
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The annual and semiannual shareholder reports for the Asset Allocation Funds cover the one-year and six-month periods ended May 31st and November 30th, respectively, and are available within 60 days of the indicated period-ends. The only exceptions to this are the annual and semiannual reports for the Balanced, Spectrum Growth, Spectrum Income, and Spectrum International Funds (which cover the one-year and six-month periods ended December 31st and June 30th, respectively), and Tax-Efficient Balanced Fund (which cover the one-year and six-month periods ended February 28th and August 31st, respectively).

 
Fund Name Prospectus Annual Report Semi-Annual Report
Balanced Acrobat Acrobat Acrobat
Personal Strategy Balanced Acrobat Acrobat Acrobat
Personal Strategy Growth Acrobat Acrobat Acrobat
Personal Strategy Income Acrobat Acrobat Acrobat
Retirement 2005 Acrobat Acrobat Acrobat
Retirement 2010 Acrobat Acrobat Acrobat
Retirement 2015 Acrobat Acrobat Acrobat
Retirement 2020 Acrobat Acrobat Acrobat
Retirement 2025 Acrobat Acrobat Acrobat
Retirement 2030 Acrobat Acrobat Acrobat
Retirement 2035 Acrobat Acrobat Acrobat
Retirement 2040 Acrobat Acrobat Acrobat
Retirement 2045 Acrobat Acrobat Acrobat
Retirement 2050 Acrobat Acrobat Acrobat
Retirement 2055 Acrobat Acrobat Acrobat
Retirement Income Acrobat Acrobat Acrobat
Spectrum Growth Acrobat Acrobat Acrobat
Spectrum Income Acrobat Acrobat Acrobat
Spectrum International Acrobat Acrobat Acrobat
Tax-Efficient Balanced Acrobat Acrobat Acrobat
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Each of the investment products (including the T. Rowe Price mutual funds) or services referred to in the T. Rowe Price Web site may be offered only to persons in the United States. This Web site should not be considered a solicitation or offering of any investment products or services to investors residing outside the United States.

Copyright 2009, T. Rowe Price Investment Services, Inc., Distributor. All rights reserved.