This Separate Account Fund invests in the Calvert VP SRI Balanced Portfolio, which seeks to achieve a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments that offer income and capital growth opportunity and satisfy the investment and social criteria established for the Portfolio. The Underlying Portfolio typically invests about 60% of its assets in stocks and 40% in bonds or other fixed-income investments.

The performance data shown above represent past performance, which is not a guarantee of future results. Investment returns and unit values will fluctuate so that units, when redeemed, may be worth more or less than their original cost. Investment Fund total return performance currently may be lower or higher than the figures stated above.

The total return performance data are based on a hypothetical investment of $1,000, which is redeemed at the end of the periods shown. The total return figures reflect the reinvestment of investment income and capital gains and losses, and are net of expenses which include a contract fee, an expense risk fee, administrative charges, a distribution expense charge and Underlying Funds fees and expenses. Please consider carefully the investment objectives, risks, charges and expenses of the Separate Account investment funds before investing. For this and other information about Mutual of America's products and their Separate Account investment funds, investors should obtain the applicable contract brochure or prospectus and prospectuses of the Underlying Funds by calling the toll-free number, 1-800-468-3785. Please read them carefully before investing. Investments in the Money Market Fund (and in the other Funds) are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Mutual of America Life Insurance Company is a Registered Broker-Dealer.

The total return figures for periods extending beyond a year are average rates of return and do not reflect the Funds' actual year-to-year results, which varied over the periods shown. Contributions or withdrawals made within a period would experience different rates of return based on the unit values on the dates of such transactions.

Natalie A. Trunow, Senior Vice President, Chief Investment Officer - Equities, Calvert Asset Management Company oversees investment strategy and management of all Calvert balanced, equity and asset allocation portfolios. She joined Calvert as Head, Equities as Head, Equities in August 2008.

Gregory Habeeb, Senior Vice President and Portfolio Manager, is the Lead Portfolio Manager. He joined Calvert Asset Management Company in 1997. Mr.Habeeb has over 27 years of experience as an analyst, trader and portfolio manager.

New Amsterdam Partners LLC, 475 Park Avenue South, 20th Floor, New York, NY 10016, has managed a portion of the equity assets of the portfolio since June 2004 and has managed all of the equity assets of the portfolio since June 2008.

Michelle Clayman, CFA, Managing Partner, Chief Investment Officer, Amsterdam Partners LLC is Portfolio Manager. Ms. Clayman founded the firm in 1986.

Nathaniel Paull, CFA, Partner, Senior Portfolio Manager, Amsterdam Partners LLC is Portfolio Manager. He joined the subadvisor in 1996.