Mutual of America's group and individual retirement products are variable annuity contracts and are suitable for long-term investing,
particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the
Separate Account investment funds you choose. Upon redemption, you could receive more or less than the principal amount invested.
A variable annuity contract provides no additional tax-deferred treatment of benefits beyond the treatment provided to any qualified
retirement plan or IRA by applicable tax law. You should carefully consider a variable annuity contract's other features before
making a decision.
Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract
and the underlying investment funds. This and other information is contained in the contract prospectus or brochure and underlying funds prospectuses and
summary prospectuses. Please read the contract prospectus or brochure and underlying fund prospectuses and summary prospectuses
carefully before investing. The contract prospectus or brochure and underlying fund prospectuses and summary prospectuses can be obtained
by mail or by calling 1-800-468-3785.
1This guarantee is based on Mutual of America's financial strength and claims-paying ability. Mutual of America
assumes the investment risk of the underlying investments of the Interest Account.
2While these ratings do not apply to the safety or investment performance of the Separate Account investment
funds available under Mutual of America's products, they do reflect the Company's ability to fulfill its General Account
obligations, which include its obligations under the Interest Account, annuity purchase rate guarantees and
annuity benefit payouts, as well as life insurance and disability income payments. Third party ratings are subject to change.