This Separate Account Fund invests in the Vanguard Variable Insurance Fund International Portfolio, which seeks to provide long-term capital appreciation. This Underlying Portfolio’s primary investment strategies include: investing in stocks of companies located outside the United States. In selecting stocks, the Portfolio’s Advisors evaluate foreign markets around the world and choose companies with above-average growth potential. The Portfolio employs multiple investment advisors.

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.

James K. Anderson is chief investment officer, partner of Baillie Gifford & Co and Head of Global Equities. He has managed assets with Baillie Gifford since 1985 and has managed a portion of the Portfolio since 2003. He earned an undergraduate degree at University College, Oxford, a diploma at Bologna Center of Johns Hopkins University and a graduate degree at Carleton University.

Greg Aldridge, Portfolio Manager at M&G. He has worked in investment management since 1996; has been with M&G since 2004; has managed investment portfolios since 2007; and has co-managed a portion of the Portfolio since 2008. Education: M.A., Cambridge University; M.B.A., INSEAD.

Graham French, Portfolio Manager at M&G. He has worked in investment management since 1988; has been with M&G since 1989; has managed investment portfolios since 1991; and has co-managed a portion of the Portfolio since 2008. Education: B.Sc., University of Durham.

Virginie Maisonneuve, CFA is Head of Schroder’s Global and International Equities. She has worked in investment management since 1987 and has managed assets for Schroders since 2004. Ms. Maisonneuve has jointly managed a portion of the portfolio with Mr. Dobbs since 2005. She holds a degree from the People's University in Beijing, China and a Diplome de Grand Ecole de Commerce, ESLSCA in Paris, France.

Simon Webber, CFA, Fund Manager and Global Sector Specialist of Schroders' Global and International Equities. He has worked in investment management since 1999; has managed assets for Schroders since 2001; and has co-managed a portion of the Portfolio since 2009. Education: B.Sc. from the University of Manchester.