Automatic Contributions – IRA and FPA

An easy way to add to your long-term savings! As an IRA or FPA contractholder, you can make automatic contributions or even a one-time payment to your IRA or FPA using Mutual of America's Automatic Contributions program. Setting up Automatic Contributions is a simple and effective way to help you build your retirement savings, especially when you consider the following benefits:    Transfer funds automatically from your checking or savings account through the convenience of Electronic Funds Transfer (EFT).    Make automatic contributions on a weekly, bi-weekly or monthly basis. You can even choose to make a one-time contribution.    Cancel your automatic contributions with five-business-days' notice.    Manage your automatic contributions through Mutual of America's website. Four steps make it easy to sign-up for Automatic Contributions: Provide an e-mail address for receiving confirmations of changes to scheduled contributions. Enter the bank account(s) you want to use for EFT contributions to your IRA/FPA account. Schedule the amount and frequency of your contributions. Verify your scheduled contributions and bank information. Learn More About Contributions & Withdrawals. The security of your personal information is important to us. To guard your personal information while using our website, we maintain physical, electronic and procedural safeguards that comply with federal and state laws and regulations. Our website uses some of the most reliable forms of security measures available to protect your information from unauthorized access, including firewall barriers, 256-bit data encryption and Secure Sockets Layer (SSL) protocol. Important information about IRA contribution limits. Your contributions to an IRA are subject to annual limits imposed by the Internal Revenue Code, which may change for future years. (The limits do not apply to rollover contributions, and higher limits apply to employee contributions to a SIMPLE IRA plan offered through an employer.) You should ensure that the automatic contributions you request are within those annual limits for this year, and you should review your automatic contributions at the end of each year to be sure you continue to be eligible and to review the applicable limits for the next year. Additional information, including the limits for the current year, is available on our website for IRAs and Roth IRAs. To more fully understand the tax and planning considerations, including laws specific to your state, you should consult a tax adviser. To speak with a Mutual of America representative, please contact your local Regional Office or call 1-800-468-3785.

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.

Mutual of America's IRAs are individual 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.

Form IRA-2004 or applicable state variation.